3JM Seminars

Business Education Services, a division of 3JM Company, offers two types of business credit seminars - an On Site Seminar and a Telephone Seminar. David Balovich has been conducting seminars throughout North America for over 20 years on financial topics including credit analysis; collections; financial statements and legal aspects of credit & collections. He has over 30 years experience in financial management. See below for information on each.

Business Education Services offers a wide range of business and commercial credit seminars in half-day, one day or multi-day formats, custom tailored to meet your organization's needs. Popular presentations in the U.S. and Canada have included:

Accounts Receivable Management	Hiring & Firing
Balance Sheet Analysis	Income Statement Analysis
Bankruptcy	Interviews & Appraisals
Collections	Legal Aspects of Credit & Collections
Conflict Resolution	Managing Priorities
Credit Risk Analysis	Negotiating
Customer Service	Ratio Analysis
Dealing with Difficult People	Secured Transactions
Documentation & Follow Up Techniques	Time Management
Financial Statement Analysis	Uniform Commercial Code

The above topics can be combined for presentation in one day or multi-day formats.

Business Education Services also offers a Telephone Seminar for those seeking an alternative to the time and expense of attending an outside program.

Invest one to two hours of your time in a telephone seminar of your choosing and improve your knowledge and performance. You choose the topics to be discussed.

If you were to attend a seminar there would be many attendees from different companies and industries. The information other attendees are seeking may not be the same as your interests. Therefore, the speakers’ presentation would be of a general nature. Depending on the number of attendees, questions may or may not be accepted. Many times the same question is asked several times. Often when the opportunity to ask a question comes along, you have waited so long to ask your question you have forgotten it. It is not unusual for the information you came specifically to learn is never addressed.

Because this program is designed specifically to cover the information important to you, we find that we can cover a half day program (3 hours) in one hour and a full day program (6 hours) in two hours. In addition to the time saved driving to and from the seminar you get all the information you’re looking for and have the ability to put it to use immediately at the conclusion of the seminar.

You choose the topics you want covered and fax or email the topics to be discussed to us two weeks before the scheduled date of the program. We will assemble the information into a workbook and send that out to you so that you can follow along as we discuss the information. On the day of the program you contact us at the scheduled time and the program begins.

If you are not sure of topics we can email you a list of topics to assist you in putting your program together.

Modern communication technology can bring this seminar right into your office with a capital investment of nothing more than a telephone.

Programs unique to your association, industry group or organization can also be offered in formats of your choosing. Please contact us by phone or email for more information.