Work productivity, time management, organization, tools and tips

I'm glad you're here for this, the latest edition of the Arsenal Of Goals & Plans Carnival.  Read on.  No doubt you'll be pleasantly surprised at the variety of wisdom so generously shared.

EDUCATION
Nitin Pulyai talks about Progress in Life: MBA Application Essay Tips at Progress in Life.

FINANCIAL
Thomas Humes discusses Cash Flow - Life Blood for Every Business at Wealth Building World.  "The purpose of this article is to familiarize business owners with a kind of financing that is unfamiliar to many people, Factoring. I will explain, in a simple yet comprehensive way, how to improve your companys cash flow."

Stacey Derbinshire shares Three Life Saving Tips For New Businesses at Starting a Small Home Business.  "While entrepreneurs that are starting their new business typically look for ways to save money on everything from office space to consulting services, there are some things that are worth the splurge and more often then not, can give you the competitive edge you need to succeed."

PERSONAL DEVELOPMENT
John Wesley tells us How To Become a Highly Productive Night Owl at Pick the Brain.

Michelle Cramer talks about The Importance of Being Assertive at GreatFX Business Cards.  "Tips on how to be more assertive and, thus, be more successful in both your business and personal life."

PLANS
Debra Moorhead explores Living "Inspired" versus "Planned" at Debra Moorhead.com.

Sandy Kristin Piderit has a different take on setting and achieving goals at Work-Life Chronicles.  "what if the old SMART goal framework isn't working for you? Try out this alternative -- START NOW."

Tom Stanley talks about the Advantages Of A Franchise Business at Tom's Franchise Information Blog.  "The advent of franchising brought a big change in business. Many have since become rich because of franchising. Franchising has indeed many advantages."

Michelle Cramer shares thoughts about Scheduling Time to Relax at GreatFX Business Cards.  "In the hectic bustle of our everyday lives, it's crucial to schedule time to relax so you don't get overwhelmed."

PRODUCTIVITY
Warren Wong says Grow Your Pile Of Money at Personal Development for INTJs.  "Your Pile of Money is shrinking just by keeping it in the bank! Learn to grow your pile of money here!"

Mike Harmon brings us Article Syndication- The Sky is The Limit So Explore and Aim for the Sky at Basic Accounting.  "Article syndication is a very simple process wherein one gets to share their article among various online sites which helps to impart knowledge through the web."

Steve Pavlina talks about Making Time for the Important at Steve Pavlina's Personal Development Blog.

TIPS
Matt Hanson brings us Matt's Creative Advertising Blog >> Blog Archive >> Printing Estimates - Harness These 5 Helpful Hints at Matt's Creative Advertising Blog.  "Many online printers provide printing estimates for clients who visit their websites. Many of these of course are canvassing for the best prices..."

Jason Rakowski tell us How To Avoid Common Pitfalls When Using Music On Hold For Your Business at Learn Good Customer Service.  "While on hold messaging is not a complicated product, it can be somewhat confusing for beginners because of all the available choices. This article will help you avoid the most common pitfalls that can trip up a newcomer who is looking to make the best decision for his - her business."