Our Quarterly Newsletter is published quarterly and is distributed via mail, email and facsimile. The newsletter provides our subscribers with up to date information on issues that affect their businesses and includes helpful links, addresses and contact information. To get a FREE subscription to the newsletter simply email us and include your fax number.   4th Quarter 2001 Contents: Managing in a down economy Refinancing your existing debt Revenue Ruling 179 for 2001 PFC launches PFC Realty to meet the financing needs of the California real estate market     2nd Quarter 2001 Contents: WARNING - Bankrupcty Reform For Who? Don't Say The "R" Word Critical Cash Management Tips EquipmentNetwork Prepares To Launch Equipment For Sale PFC To Exhibit at Gutenberg   1st Quarter 2001 Contents: Tax Savings for 2001 Will Lower Interest Rates Help You? Helpful Computer Tip 4th Quarter 2000 Contents: The Right Way to Buy Or Sell Equipment Year End Tax Tips Equipment For Sale 3rd Quarter 2000 Contents: Maximizing Your Credit Score Equipment For Sale Helpful Credit Links 2nd Quarter 2000 Contents: Will Higher Rates Mean Tighter Credit? PFC Forms Alliance With Wazzu.com Helpful IRS Links 1st Quarter 2000 Contents: Equipment Sales Soared in 1999 Is Buying On-Line Cheaper? PFC Announces PFC Cares Charity Initiative