While this tip sounds like common sense, many small business owners do not have a concrete financial plan in place.

FORBES: Maintain Positive Cash Flow in a Tough Economy

How can conservatives can keep throwing out criticism and no concrete plans of their own flies in the face of common sense.

FORBES: The Big Problem With Obamacare: It Doesn't Help Many

The ministers from the 15-member EU - who are trying to agree their common immigration policy - asked the European Commission to come up with concrete proposals for financing both voluntary and forced repatriation.

BBC: EU backs action on illegal migrants

She said commercial waste had increased significantly, including bags of rubble and concrete, but that bags of personal household rubbish were also a common sight.

BBC: Imerys land

The UN World Programme for Human Rights Education (2005- ongoing), currently in its first phase, seeks to promote a common understanding of the basic principles and methodologies of human rights education, to provide a concrete framework for action and to strengthen partnerships and cooperation from the international level down to the grass roots level.

UNESCO: Associated Schools Annual Conference 2008