How To Start An Online Business – The Ultimate Guide To Making

#start online business

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How to start a successful online business

PASSION IS NOT ENOUGH.

How do I get started?

Repeat after me:
PASSION IS NOT ENOUGH

Most “experts” teach you that once you find your passion, you’ll magically become wealthy.

I don’t have to tell you that this plan is missing a few vital steps, such as an actual plan. Before you invest your time and energy creating an online product, ask yourself these questions:

  • How do I know which idea will be most profitable?
  • Will people actually pay?
  • How do I bring in traffic and buyers?
  • What can I do to set my business on autopilot, so it runs on systems instead of on my (limited) time?

Step 2

Solve the right problem (it’s probably not what you’d expect)

I asked readers, “What excites you about starting an online business?” Over 1,000 readers responded with ME-FOCUSED responses about what they wanted from an online business.

OK, we all want something for our work, whether it’s extra money, more free time, or the ability to be our own boss and give ourselves vacation days when the weather’s nice.

But what about your customers?

Nobody will ever give you money to solve your problems. but they’ll love you and happily pay you if you help them solve theirs. And by focusing on them, you’ll immediately stand out in a sea of online businesses that are only looking out for themselves.

What would happen if you said, “I’m really good at helping my friends with their relationship problems. I don’t want to just help people 1-on-1…I want to help THOUSANDS of people.” Or “I love helping people get in shape. I want to help as many people get fit as possible.”

It’s a huge psychological shift.

Once you’ve identified something you believe in, you need to know what idea people will pay for, how much to charge, and how to sell it without being sleazy.

It starts with figuring out what kind of online business you want.

Which online business ideas work best?

When you’re starting an online business, it’s easy to get overwhelmed by tactical minutiae. Should you create software, a physical product, a coaching system, or something else? How do you choose the right software, create your website, figure out drop shipping, and accept payments?

But when you drop what doesn’t work I spent years figuring this part out you’re left with 6 main options for an online business. I’ve systematically tried them ALL over almost a decade, and I’ll let you know exactly which ones are good and bad.

Your 6 options for starting an online business are software (including apps), physical products, ads, affiliate marketing, coaching, and online courses. And they aren’t all created equal.

Coaching is the single-best way to start learning business skills.

Many people don’t even think they can launch an online business. Then hold themselves back by saying things like, “I’m not an expert at personal finance, finding a dream job, or [fill in the blank].”

“I don’t know anything people would pay for!”

Are you sure? Unless you’ve actually tested your idea, the answer is “no.”

“But Ramit, my idea’s too weird/dumb! Nobody would ever pay to learn about it.”

I used to think that, too, until I discovered how many other weird people are out there. Here are just 3 profitable courses I’ve seen in the past year:

  • Toilet Trained Cat. Train cats to use the toilet. Revenue from books and courses.
  • Hear and Play. Learn to play piano by ear, without sheet music or years of lessons. Revenue from courses.
  • The Ultimate Disney World Savings Guide. Vacation at Disney World for half price. Revenue from ebooks.

Do these seem like ideas for normal, successful products? Of course not. These people simply found something they’re good at, then tested the market to see if other people were willing to pay for their knowledge.





How to Start a Blog and Make Money From It #business #lawyers

#work from home ideas

#

How to Start a Blog and Make Money From It

This post includes affiliate links.

If you want to work from home and make money blogging, then you need to have the right tools, resources, and information to guide your way.

With an overwhelming amount of information on the web it’s often confusing figuring it all out. Listed below are some of the resources that I use, recommend, or that I’ve found helpful on my blogging journey.

These tools will not only help get you started but they’ll make the process easier so you can start making money faster.

First, grab my FREE Blogging e-book. it will teach you how to write great content, get tons of traffic to your blog and most importantly, how to make money from it!

To start the process you ll need to choose a blogging platform; or in technical terms a content management system (CMS). There are many different CMS platforms to choose between, but I highly recommend WordPress. It s ideal for beginners as it s easy to use and modify, it has tons of functionality, and it s free to use all you need to do is purchase your hosting and domain name.

WordPress is what I use for this site.

A lot of people ask me about Blogger, Google’s blogging platform. I’ve heard it’s easy to use. But I also know a lot of people who started out on Blogger, but then had to make the switch to WordPress later on. Do yourself a favor and use WordPress from the beginning, you ll save yourself a lot of headaches down the road.

Once you decided on a blogging platform you ll need to purchase a domain name and hosting. When choosing a hosting company you’ll want to make sure that you get one that’s reliable, affordable, and that has excellent customer service. Right now I m using a virtual private server (VPS) through, Liquid Web. They have a wide variety of hosting plans, which makes it easy to upgrade your service as your site grows. If I weren t using them, I would probably use Bluehost or Synthesis. as they were created with WordPress users in mind. Over the years, I ve had to switch hosting companies three times which is no fun.

Need help installing WordPress to your host? Here s an EASY way to be up and running in 30 minutes or less!

When I first launched my blog, I had a graphic designer create a custom design for me. And while I loved my design it was very expensive! If I were just starting out again, I would use Bluehost with their 1-2-3 easy upload and a template from StudioPress (which is what I m using now). Not only are these templates affordable (like $99), but they look great and they re super easy to modify. To help make your site stand out, I do suggest getting a custom logo designed. If you re launching your blog on a shoestring budget, try Fiverr where freelancers only charge $5 for their services. I haven t used Fiverr for logo design, but I have used them for other sorts of images, and I ve been happy with the results.

To get traffic to your blog you’ll want to utilize social media platforms like Facebook, Twitter, LinkedIn, Foursquare, Instagram, and Google Plus. Seem overwhelming? To help manage all of these social media platforms, I use HootSuite. I’ve tried other applications, but this one has the most functionality, and it is the easiest to use. You can schedule updates and manage all of your accounts in one place, and best of all it s FREE!

The one network that you can’t manage from HootSuite is Pinterest. For Pinterest, I use BoardBooster to manage my pins. It s only $5 a month and so worth it! You can schedule pins and re-loop your pins so that they receive maximum exposure.

For tips on how to maximize your Pinterest efforts, check out these resources:

To create pin-friendly images for your blog posts, I recommend PicMonkey or Canva. I started out using PicMonkey, which is easy to use, and it gives you professional looking images in a flash. But now I mostly use Canva. It has premade templates and font combos which help me create professional looking images quicker. Each platform is free for basic usage with permeium features costing just a bit more.

For stock images I use StockFresh and DepositPhotos not only do they have high-quality photos, but they re affordable.

Part of getting traffic is writing awesome content. To make sure your content is excellent you ll need to edit your posts for punctuation, grammar, and spelling. Now you can do this manually, but I ve found that even when I go back and proofread two or three times I often miss typos. Of course, you can hire an editor to proof your content, but that can get expensive. A more affordable option is to use an editing software or program. I ve tried a few different platforms out and by far my favorite is, Grammarly. It s easy to use and catches errors that word processing programs miss. It also tightens up your copy so you re using an active voice.

From the first day, you launch your blog you need to make sure that you’re building an email list. SEO rules and social media platforms are constantly changing. But with an email list, it is something that you own, and that can always be used to reach your audience. Personally, I use Constant Contact I love them! They have lots of professional looking templates to choose from, it’s super easy to use, and they have added features like auto-responders. They even offer a FREE 60 trial so you can test them out without any obligation.

Search Engine Optimization (SEO):

The majority of my traffic comes from Google, and this is because certain keyword phrases on my site have ranked well with the search engines. Search engine traffic is free, and you’ll want to take advantage of it. I used to recommend Holly Klaassen’s e-book, 50 SEO Secrets for Mom Entrepreneurs, but she s no longer selling it.

So to get familiarized with SEO here are some useful articles on the basics.

I have read a ton of blogging books over the years, and these are the ones that have SERIOUSLY helped me on my journey!

There are so many ways to earn money from your blog, from direct ad sales and ad networks, to affiliate marketing and digital earning so make sure to check out these must-read articles.

As a career blogger, you ll need to keep meticulous records of your income and expenses. The first year I started out, I made the mistake of keeping all of these transactions in a spreadsheet which made tax time a nightmare. Since then I ve been using GoDaddy Bookkeeping (formerly, Outright) which has simplified the whole process because it automatically updates your transactions from your PayPal and checking account. The online platform is super easy to use, and I highly recommend it for all monetized bloggers.

Hope you found this roadmap helpful. Good luck on your blogging journey!

This post includes referral and affiliate links. Please be aware that we only promote advertising from companies that we feel we can legitimately recommend to our readers. See our disclosure policy for further information.





Can You Make Money With Vending Machines? #business #current #events

#vending machine business

#

Can You Really Make Money With Vending Machines?

The ads are alluring: “Make $500 an Hour in the Vending Business!” “Earn Money While You Sleep in a Vending Machine Business!” But they sound way too good to be true. Can vending machines really be a viable way to earn cash?

The National Automatic Merchandising Association reports that 18 percent of vending-machine operators make between $1 million and $5 million a year. But proceed with caution: The Better Business Bureau warns of scams. and a search of “vending machines” on the Federal Trade Commission’s website unearths dozens of fines and lawsuits.

Here are a half dozen tips for getting into the vending-machine business safely and profitably.

  1. Decide on the vending machine type. Many vending machines are filled with a selection of drinks and snack foods. Others focus more narrowly on a particular category, such as ice cream, popcorn, cigarettes, videos (think Redbox ), or personal hygiene. Some machines dispense individual units; others offer items in bulk, such as hard candy and gumballs.
  2. Get the proper licenses. In some states you’ll need a seller’s permit to operate vending machines, and many states require you to charge sales tax on the items in the machines. The tax varies by state, as does the minimum price that launches the requirement to collect the tax. Be sure to check with your local licensing office to find about the requirements in your area.
  3. Buy the machines. Decide whether you want to buy new or used machines. Prices can vary wildly: A new machine often runs a few thousand dollars, while used ones go for a few hundred or less on Craigslist. eBay. or Amazon. Keep in mind that all machines eventually break down, so you’ll need to either hire someone to repair them or learn to do so yourself. (Tip: You can buy parts from a manufacturer such as Vendors Exchange International .)
  4. Buy or lease a truck. Depending on how large your operation is, you’ll need a van — or, perhaps, a specialized beverage truck — to carry products from machine to machine. A used truck starts at about $5,500 at places like Specialty Trux. or you can lease a basic truck for about $500 a month.
  5. Find a supplier. You can buy products in bulk at a local big-box store or go online. Check out sites like Candymachines.com for bulk candy, or SmartVending for a full line of supplies. Markups will vary, depending on the product. Bulk items, such as candy and gumballs can be marked up 200 to 300 percent, while single items can typically be marked up between 60 and 100 percent. Of course, the more products you buy, the better price you’ll get, so you may have to settle for lower markups when just starting out in order to be competitive, and then increase them as you add machines.
  6. Secure a location or two. Where you place your vending machines will determine how successful you are. Check out each site before you approach its owner. Look for a place that gets a lot of foot traffic, such as an airport, a parking lot, a shopping mall, a large office building, or a busy waiting room. Once you select a location, approach the owner and work out a deal. Some vending machine operators offer the owner a small percentage of their profits; others donate a portion of sales to charity. NAMA, in its publication Vending 101 [PDF], suggests that you sign a written contract whenever you place a machine.
  7. Service your machines. Once your machines are placed, it will be up to you to keep them clean, well-stocked, and in working order. You may be able to do this by visiting once a week, but if the machine is popular, you may need to turn up more often.

Of course, all of this isn’t quite as easy as earning money while you sleep. But with careful planning, hard work, and a little luck, you can run a successful vending-machine business.

Liked this article? We think you will enjoy these recommendations.





How to Start a Blog and Make Money From It #business #loans

#work from home ideas

#

How to Start a Blog and Make Money From It

This post includes affiliate links.

If you want to work from home and make money blogging, then you need to have the right tools, resources, and information to guide your way.

With an overwhelming amount of information on the web it’s often confusing figuring it all out. Listed below are some of the resources that I use, recommend, or that I’ve found helpful on my blogging journey.

These tools will not only help get you started but they’ll make the process easier so you can start making money faster.

First, grab my FREE Blogging e-book. it will teach you how to write great content, get tons of traffic to your blog and most importantly, how to make money from it!

To start the process you ll need to choose a blogging platform; or in technical terms a content management system (CMS). There are many different CMS platforms to choose between, but I highly recommend WordPress. It s ideal for beginners as it s easy to use and modify, it has tons of functionality, and it s free to use all you need to do is purchase your hosting and domain name.

WordPress is what I use for this site.

A lot of people ask me about Blogger, Google’s blogging platform. I’ve heard it’s easy to use. But I also know a lot of people who started out on Blogger, but then had to make the switch to WordPress later on. Do yourself a favor and use WordPress from the beginning, you ll save yourself a lot of headaches down the road.

Once you decided on a blogging platform you ll need to purchase a domain name and hosting. When choosing a hosting company you’ll want to make sure that you get one that’s reliable, affordable, and that has excellent customer service. Right now I m using a virtual private server (VPS) through, Liquid Web. They have a wide variety of hosting plans, which makes it easy to upgrade your service as your site grows. If I weren t using them, I would probably use Bluehost or Synthesis. as they were created with WordPress users in mind. Over the years, I ve had to switch hosting companies three times which is no fun.

Need help installing WordPress to your host? Here s an EASY way to be up and running in 30 minutes or less!

When I first launched my blog, I had a graphic designer create a custom design for me. And while I loved my design it was very expensive! If I were just starting out again, I would use Bluehost with their 1-2-3 easy upload and a template from StudioPress (which is what I m using now). Not only are these templates affordable (like $99), but they look great and they re super easy to modify. To help make your site stand out, I do suggest getting a custom logo designed. If you re launching your blog on a shoestring budget, try Fiverr where freelancers only charge $5 for their services. I haven t used Fiverr for logo design, but I have used them for other sorts of images, and I ve been happy with the results.

To get traffic to your blog you’ll want to utilize social media platforms like Facebook, Twitter, LinkedIn, Foursquare, Instagram, and Google Plus. Seem overwhelming? To help manage all of these social media platforms, I use HootSuite. I’ve tried other applications, but this one has the most functionality, and it is the easiest to use. You can schedule updates and manage all of your accounts in one place, and best of all it s FREE!

The one network that you can’t manage from HootSuite is Pinterest. For Pinterest, I use BoardBooster to manage my pins. It s only $5 a month and so worth it! You can schedule pins and re-loop your pins so that they receive maximum exposure.

For tips on how to maximize your Pinterest efforts, check out these resources:

To create pin-friendly images for your blog posts, I recommend PicMonkey or Canva. I started out using PicMonkey, which is easy to use, and it gives you professional looking images in a flash. But now I mostly use Canva. It has premade templates and font combos which help me create professional looking images quicker. Each platform is free for basic usage with permeium features costing just a bit more.

For stock images I use StockFresh and DepositPhotos not only do they have high-quality photos, but they re affordable.

Part of getting traffic is writing awesome content. To make sure your content is excellent you ll need to edit your posts for punctuation, grammar, and spelling. Now you can do this manually, but I ve found that even when I go back and proofread two or three times I often miss typos. Of course, you can hire an editor to proof your content, but that can get expensive. A more affordable option is to use an editing software or program. I ve tried a few different platforms out and by far my favorite is, Grammarly. It s easy to use and catches errors that word processing programs miss. It also tightens up your copy so you re using an active voice.

From the first day, you launch your blog you need to make sure that you’re building an email list. SEO rules and social media platforms are constantly changing. But with an email list, it is something that you own, and that can always be used to reach your audience. Personally, I use Constant Contact I love them! They have lots of professional looking templates to choose from, it’s super easy to use, and they have added features like auto-responders. They even offer a FREE 60 trial so you can test them out without any obligation.

Search Engine Optimization (SEO):

The majority of my traffic comes from Google, and this is because certain keyword phrases on my site have ranked well with the search engines. Search engine traffic is free, and you’ll want to take advantage of it. I used to recommend Holly Klaassen’s e-book, 50 SEO Secrets for Mom Entrepreneurs, but she s no longer selling it.

So to get familiarized with SEO here are some useful articles on the basics.

I have read a ton of blogging books over the years, and these are the ones that have SERIOUSLY helped me on my journey!

There are so many ways to earn money from your blog, from direct ad sales and ad networks, to affiliate marketing and digital earning so make sure to check out these must-read articles.

As a career blogger, you ll need to keep meticulous records of your income and expenses. The first year I started out, I made the mistake of keeping all of these transactions in a spreadsheet which made tax time a nightmare. Since then I ve been using GoDaddy Bookkeeping (formerly, Outright) which has simplified the whole process because it automatically updates your transactions from your PayPal and checking account. The online platform is super easy to use, and I highly recommend it for all monetized bloggers.

Hope you found this roadmap helpful. Good luck on your blogging journey!

This post includes referral and affiliate links. Please be aware that we only promote advertising from companies that we feel we can legitimately recommend to our readers. See our disclosure policy for further information.





How to Talk About Money in Your Family Business – Family Business

#family business

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How to Talk About Money in Your Family Business

“Chains of habit are too light to be felt – until they are too heavy to be broken.” – Warren Buffett

Talking about money within the family business can be uncomfortable and awkward. What’s worse is that everyone knows about it; financial questions and concerns can be at the forefront of everyone’s mind. Few habits are so critical and yet translate so directly to the success of your family business. David Harland. Managing Director of FINH

It is up to the family business leaders to engage their family in these conversations, and to do so with honesty and directly. The early rounds might be difficult, but the end result is a better work environment and easier conversations about other complex issues (such as remuneration or financial agreements). Start early so that you can establish a precedent, make clear the expectations, and deal fairly with others.

Begin with a trusted family advisor – someone to help facilitate difficult conversations – who can project an image of fairness, conscientiousness, and experience.

We often feel that our loved ones know us so well that we don’t have to voice concerns or bring in a third party. It’s the role of the business leader to let go of these assumptions and find a real solution. Communication needs to be clear and open, and this is best when the conversation includes an element of impartiality and specialized knowledge.

It’s unfortunate that so many family businesses start out with an informal management structure and don’t have specific practices and policies for family members. Instead, the structure of the family business is often made up as it goes, which can create an impediment to honest communication later on.

Topics of Conversation Between Members of the Family Business

The family conversation should have goals and should be prepared for, just like any meeting with a non-family business partnerThat also includes having a formal agenda. It’s common to have three levels of interest at play: business issues, family issues, and ownership.

So what you should talk about? Start with family’s history, legacy, and values. The younger a member of the family is introduced to this message, the better. I recommend placing extra emphasis on a multigenerational approach to human capital appreciation.

Chances are that your family has a mix of dominant thinkers and dominant feelers. The thinkers might be more open to the practical realities of business success. Feelers will appreciate the sense of togetherness, shared accomplishment, and appreciation among members of the group. Guide the topics of conversations into those areas where you’re most likely to get buy-in from individual members; other issues can be dealt with more easily afterwards.

Emotion Will Be Part Of It; Deal With Emotion Early

“Select your words carefully. Spoken words may have positive or negative effects, depending on the manner and timing of your speech.” Abdurrahman Bagdadizade Paksoy to his sons, addressing how the Paksoy family was shut out of its own business in 1956

Every business requires emotional decisions and every family brings emotionally charged relationships. These two don’t always mix nicely.

Emotion is a real dynamic that isn’t going away, but it can be dealt with effectively and even harnessed to create a positive dialogue. Use family councils to address family matters. Even if your family members share the same values, they may not share the same vision. If your family runs the risk of starting new battles every time an old one is closed, it’s best to start with outside facilitation early on and stick with it through to the end.

Create a sense of family unity with family stories. Make sure that younger generations can connect to the trials, successes, and anecdotes of the past. Let them speak and take care to actually listen. If less experienced members of the family are eager to bring a “fresh perspective” or innovative new ideas, this is the forum where they get their chance.

Tell a cautionary tale about past business episodes – especially if it has a personal impact. Not only will this help synergize the emotion in the room, but it will help emphasise the importance of properly addressed financial agreements. Just try not to get side-tracked in story land; it’s up to the business leaders to maintain focus on the long-term goal of multi-generational capital accumulation.

Always remember that money is a sensitive issue for many people. You’re likely to run into topics like fairness and competitiveness. These are important, but ultimately dangerous if mishandled because they can re-open old wounds or divert the conversation. Have a plan in place to stay on target.

There’s never a perfect time to talk about family business issues, with one exception: earlier is better. The sooner these conversations start happening, the sooner your family business can develop the type of effective communication that will stand the test of time.

For Advice on communicating about finance in your family business please call FINH 07 3229 7333





Best Investment Options – Making money by creating a website #business #yellow

#small scale business

#

Making money by creating a website/blog

Overview
Creating a website for selling products and services is one of the best ways of making money. However to create a website or blog, it may take lot of time and energy. On top of this, we need to spend lot of money.

There are various ways for which a website is created
Website for selling products and services
Website for sharing the hobbies and providing services
Website for company information / product information purpose

How to create a website
There are two parts here.
1) Registration of a domain name (the name of the website which people would type the address and browse) and
2) Hosting the website (running the website from a server).
3) Designing the website

Domain Name registration. There are lots of websites which offer domain name registrations which start from USD 2 / Rs.100 per year

Hosting. Website can be done with any of the hosting companies. The charges would be USD 100 / Rs.5,500 per annum. There are various players like Godaddy.com, Rock.in etc.

Designing the website: There are various design templates which available with low costs. There are free templates available which has certain limitations.
Content of the website: This is a major step where the success of the website depends. Selection of popular topics would enable users interest.

Creating traffic for the website
Another key step in this process is to create traffic for the website. Unless there is enough traffic generated, there is no way we can earn money. There are various ways on how you can generate traffic for your website.
1) Build your website SOE based (Search engine optimization based). The major traffic generated through search engines like Google, yahoo are the true traffic which comes to your website. Hence SOE optimized website would generate more traffic
2) Creating traffic by advertising on various websites which is termed as Paid traffic
3) Ask someone to work as affiliate marketing for your website. They would generate the traffic for your website

7 ways to make money out of your website
1) Pay per click (PPC) You can sign-up for Google ad sense to earn the revenue. Once you sign-up, Google will provide necessary code which you need to put in on your website and the Google Ads appear in your site. Any of your user / subscribe who visits your website, clicks on the Google Ads, then you would get paid.
2) Cost per impression (CPI) The Ad banner can be charged based on 1000 impressions. Based on the CPI the ad banner charges would apply starting from USD 0.25 to USD 50.
3) Direct banner advertisement: One can directly go to the customers and do the banner advertisement. However, this method takes time and manpower effort.
4) One can make money through website by e-books selling. Good e-books selection is the key to be success.
5) Affiliate marketing. One can work as affiliate marketing and make money. Recommend the third party products and make the money
6) Text links. One can money by adding text links to the website content and when one clicks on these text links, these would direct to the customer website
7) Writing articles/review. Articles can be written for a specific product / customer and in turn customer pays the money

Conclusion:
1) To create website, you need to have domain name+Hosting to be done. The costing would be approx USD 100 / Rs.5,500 per year.
2) Create your website with necessary steps so that traffic is generated. You can try paid methods to generate initial traffic
3) Consider various ways to see how you can earn money through your website. There are many people who generate extra income of USD 1000 / Rs.55,000 on an average per month. This is not the least, it is a minimum amount which people are earning.

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Suresh KP i.e. me, have written 1000+ articles on this website. I love doing analysis on various Best Investment Plans like mutual funds, Stocks, IPO’s, Bonds, Insurance products. You can share on FB or Twitter, if you love this blog. This is the BIGGEST gift which you would be giving to me and to this blog.

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10 ways to save money using these websites #business #plan #sample

#low investment business ideas

#

10 ways to save money using these websites

In today’s world everyone wants to save more money that is the reason we always look for buzz words like offers, sale, discount, free etc. When we see something is available like this we grab that opportunity without fail. We even don’t notice word written in smaller font *Condition Applied.

Keeping that in mind we are herewith websites that gives free service and by availing these services you can save your money.

Website to send Text Messages:-

While selecting mobile plan we always select tariff which allows us to send certain number of SMS free, and we pay sometime more money to avail this facility. Many of us are not aware that this type of facility is available free on multiple websites. Just Sign up with website, enter your friend’s number write your message and click ‘send’ completely free.

Website that offer free online storage:-

Few years back small storage facility was costing us big money, but today storage is commodity item. Today you can avail 8 GB storage mini SD card in just 300 Rs. If you want to save money on storage there are multiple website which can provide you personalized storage facility online free of cost. You can store your document, photos, music online free of cost. This storage space is varying from 15GB to 2 GB.

Website for Long distance call

Gone are days where you need to have ISD facility for making long distance call. Today it is very easy to make long distance call to relatives and friends. Just logon to website of Skype and stay in touch with your friends and relative with one click.

Website for Matchmaking

Traditional way to do match making was by relatives, friends and family member. But as time changed the traditional ways has also changed. Today we have multiple matrimony website which provides free trial for match making. Certain site has paid membership but we can always refer to free part to save money.

Website to save commission money

We pay lot of money to buy, sell or rent our property. We can straight away save this money if we try to use online portal available for this purpose. Online portals provide facilities to post our advertisement free of cost. You can use this facility not only for property but also to buy sell products services.

Website for Books

If you are book lover and if you want to save money you spend on book or you want to make sure book you are buying is worth or not you can use these book websites which gives facility to preview and download books from any arena of your interest like, technology, health, finance, fiction, romances and horror etc.

Website delivering free music

In good old days music lover was visiting CD/DVD store for purchasing music CD/DVD but today everything is available online. So if you are music lover and want to save money you can visit following websites which gives facility to listen downloading of songs.

Website for Movies

We all love watching movies so here are sites where you can download/watch movie for free instead of paying money. If you want to capture movie from youtube you can use tool like atube catcher will help you.

Website for Greeting Card

Greeting cards are a ways through which you express your special feelings to your loved and dear ones. Such greetings websites save you money which you might have wasted on a paper card and its postage. Not only that you can always set the date and time in advance, that at which the card to be sent.

Website for learning Language

Many people today love to learn multiple languages, knowing additional language always helps. Livemocha.com is a well-liked language learning site where you can learn many languages around the globe, whether it’s French or Bengali. There you get to interact with other language learners around the world. You can also practice the conversation with a native.

If you come across any website you feel saves you money do share it in comment section given below.





Startup firm – How to build money fast #business #list

#business start up

#

Startup firm

Start-Up Companies Logos

Small Business Startup Loan

Are you tired working for others after being a successful Architecture.

See who you know at Start Up IT Firm, leverage your professional network, and get hired.We help to fund great companies, great ideas and great people.

A small three-person Detroit firm called Dynamo Metrics has.Smith Jones, P.A. Start-up Business Plan 6 Hardware and Software Systems.A start-up business in Brazil is rolling out a network of drop-in siesta.

Small Business Start UPS

Business Partnership

Equilíbrio sustentável: conheça o triângulo da sustentabilidade.

He currently leads Business Development (BD) for our portfolio.Running your own business is a stressful but good career and life choice.

10 claves para aprender a vender tu empresa o producto – Marketing.

I was really excited with our startup because we had a lot of motivation and dedication that would take us to the top.Accounting is a more diverse profession than it is often given credit for, and it can offer both the.

Startup Business Cycle Graphic

Issues with the Chalk River facility have caused periodic shortages of Mo-99 over the years, most recently in May 2009, when the reactor was shutdown due to a major.From operating guidance to capital funding to technology assistance, the resources below can help your business start.Evaluate and Develop Your Business Idea: Step: Description: Resources: 1: Determine if the type of business suits you.Read more about Start-up firm Eckovation using AI to make open school platform smarter on Business Standard.Business Startup Advice – Start A Business And Grow It And Still Make Time For Your Family.

How I Started My Own Law Firm Right After Law School. Branigan.The Prinz Law Office is a Silicon Valley-based IP licensing and technology transactions boutique law firm, which represents entrepreneurs and start-ups across a.If you are an entrepreneur or an existing business owner who is looking to raise startup capital or business funding you have found the right place.Here are some secrets on how to start a business and some tips and advice to help you on your way.Fasken Martineau is a leading international business law and litigation firm with more than 700 lawyers across Canada, Europe and South Africa.Starting a small business is without a doubt a large undertaking, but it is fortunately something that can be attained by anybody with.

Business Startup Ideas

Startup Stages Funding

The start-up firm which wants to put Brazil to sleep. BBC News Services.Listed below are links to basic federal tax information for people who are.

Starting Business

Laguna Ventures LLC (LVL) combines creative and strategic chemistries that result in extraordinary business planning.

Starting a law firm is a difficult venture, especially for contingency fee attorneys.The entrepreneur might have a great idea and clear idea of how to turn it into.

Creating Image for Business Startup

This article is constantly updated to reflect new rules and processes of Starting Business in India.

Startup How to Make Money the Way

Whether you are starting an online business or a brick-and-mortar model, figuring out how to start a business, at its most basic, means finding a market need and then.

创业者想要成功,那就选择做“对的”事情,并将.

START-UP NY offers new and expanding businesses the opportunity to operate tax-free for 10 years on or near eligible university or college.Start the Right New Business for You.

Startup Company Infographic

START UP KIT FOR A SMALL LAW PRACTICE Compiled by the Law Practice Management Program and Law Practice Management Committee of the State Bar of Texas.

Business Start Up Companies

Business Start Up





Top 10 Online Business Opportunities to Make Money #best #online #business #ideas

#online business opportunities

#

Top 10 Online Business Opportunities to Make Money

Great ways to increase your income directly from your private computer

Money makes the web go around. Whether you’re on a mission to find a new source of income or just looking to increase your paycheck with a side gig, the internet can offer a variety of solutions for you to choose from.

With such a great selection it’s easy to get lost. And although trial and error is a method we usually would recommend, it’s probably not a good idea to invest time and resources on experimentation when something so crucial as your income is at stake.

The solution? Research, and fortunately for you we can save you time with that. Below is a list of 10 online business opportunities that have a high potential for generating profit. Read through and consider which of these options might work for you.

1. Teach Online Classes:
Your expertise and knowledge can be very useful to you when you start your online business. Whether you’re a certified chemistry teacher or a knitting master, you can create an online course and charge students for access to the study material.

2. Do Affiliate Marketing:
On the web, affiliate marketers are people who promote various online services and receive a commission for making sales. Many online services have an affiliate program Wix.com has one as well! This type of business is especially worthwhile if you already have a blog or a website set up and can simply start working on promoting your affiliate goods.

3. Write for Pay:
If you happen to be a gifted writer, your skills could be valuable to a huge variety of target audiences, from companies that need tech manuals, to college applicants who need help writing their resumes, or small businesses looking for good newsletter content.

4. Design Wix Websites:
You have no idea how many times we’ve seen this pattern a person in need of a website creates one using Wix’s web publishing platform, is very pleased with the process and the outcome, publishes the website and then receives offers from friends and acquaintances to design a site for them as well. The idea behind Wix is that everyone can create websites, but not everyone has the time or the will to do it, so why don’t you step in and fill the need? Check out WixEd. our very own online course where Wix users can become certified web designers and start their own business in web design.

5. Open an Online Consulting Agency:
Provide professional and specialized observations based on your field of expertise health and wellness, finances, law and more. Here you can choose whether you want to work solely online or combine face-to-face service with your digital one.

6. Use Your Research Skills:
The internet created a neverending source of data. Companies searching for business intel, an individual interested in family genealogy or an author in need of background material do not always have the ability to search this vast pool of knowledge with a fine-tooth comb. In these examples and others, they would prefer to hire someone to perform online research. Might that someone be yourself?

7. Get with the Retail Program:
With online sales continuously on the rise, selling products to web shoppers is definitely a worthwhile path to follow for business purposes. Using Wix to create your own online store. you can set up a retail business with minimum effort and costs. We even have a guide that can help you choose the best products for your online store.

8. Offer Text Editing Translation Services:
It’s the most straightforward process you can imagine. A customer sends you a text for proofreading, literary editing or translation purposes, you do your work and send them a document back. This kind of hassle-free operation will leave you plenty of time to focus on promoting your service.

9. Become a Social Media Marketer:
Small business brands and professional freelancers often require help with promoting their work on social media platforms. You can train yourself to understand the fine art of social media marketing and offer to either take over their social marketing efforts or to provide consulting services on the matter. The Wix Blog will provide you with an abundance of reading material on how to market on social media .

10. Create Custom-Made Art or Music:
If you want to support yourself as an independent artist without having to take on an office job or wait tables, why don’t you use your talent to make extra money? You can offer people from all over the world the option to commission illustrations, caricatures, sculptures, video art, designed candles, custom-ordered songs or anything that your creative force is able to produce.

Other Cool Stuff





How to Start a Blog and Make Money From It #partnership #business

#work from home ideas

#

How to Start a Blog and Make Money From It

This post includes affiliate links.

If you want to work from home and make money blogging, then you need to have the right tools, resources, and information to guide your way.

With an overwhelming amount of information on the web it’s often confusing figuring it all out. Listed below are some of the resources that I use, recommend, or that I’ve found helpful on my blogging journey.

These tools will not only help get you started but they’ll make the process easier so you can start making money faster.

First, grab my FREE Blogging e-book. it will teach you how to write great content, get tons of traffic to your blog and most importantly, how to make money from it!

To start the process you ll need to choose a blogging platform; or in technical terms a content management system (CMS). There are many different CMS platforms to choose between, but I highly recommend WordPress. It s ideal for beginners as it s easy to use and modify, it has tons of functionality, and it s free to use all you need to do is purchase your hosting and domain name.

WordPress is what I use for this site.

A lot of people ask me about Blogger, Google’s blogging platform. I’ve heard it’s easy to use. But I also know a lot of people who started out on Blogger, but then had to make the switch to WordPress later on. Do yourself a favor and use WordPress from the beginning, you ll save yourself a lot of headaches down the road.

Once you decided on a blogging platform you ll need to purchase a domain name and hosting. When choosing a hosting company you’ll want to make sure that you get one that’s reliable, affordable, and that has excellent customer service. Right now I m using a virtual private server (VPS) through, Liquid Web. They have a wide variety of hosting plans, which makes it easy to upgrade your service as your site grows. If I weren t using them, I would probably use Bluehost or Synthesis. as they were created with WordPress users in mind. Over the years, I ve had to switch hosting companies three times which is no fun.

Need help installing WordPress to your host? Here s an EASY way to be up and running in 30 minutes or less!

When I first launched my blog, I had a graphic designer create a custom design for me. And while I loved my design it was very expensive! If I were just starting out again, I would use Bluehost with their 1-2-3 easy upload and a template from StudioPress (which is what I m using now). Not only are these templates affordable (like $99), but they look great and they re super easy to modify. To help make your site stand out, I do suggest getting a custom logo designed. If you re launching your blog on a shoestring budget, try Fiverr where freelancers only charge $5 for their services. I haven t used Fiverr for logo design, but I have used them for other sorts of images, and I ve been happy with the results.

To get traffic to your blog you’ll want to utilize social media platforms like Facebook, Twitter, LinkedIn, Foursquare, Instagram, and Google Plus. Seem overwhelming? To help manage all of these social media platforms, I use HootSuite. I’ve tried other applications, but this one has the most functionality, and it is the easiest to use. You can schedule updates and manage all of your accounts in one place, and best of all it s FREE!

The one network that you can’t manage from HootSuite is Pinterest. For Pinterest, I use BoardBooster to manage my pins. It s only $5 a month and so worth it! You can schedule pins and re-loop your pins so that they receive maximum exposure.

For tips on how to maximize your Pinterest efforts, check out these resources:

To create pin-friendly images for your blog posts, I recommend PicMonkey or Canva. I started out using PicMonkey, which is easy to use, and it gives you professional looking images in a flash. But now I mostly use Canva. It has premade templates and font combos which help me create professional looking images quicker. Each platform is free for basic usage with permeium features costing just a bit more.

For stock images I use StockFresh and DepositPhotos not only do they have high-quality photos, but they re affordable.

Part of getting traffic is writing awesome content. To make sure your content is excellent you ll need to edit your posts for punctuation, grammar, and spelling. Now you can do this manually, but I ve found that even when I go back and proofread two or three times I often miss typos. Of course, you can hire an editor to proof your content, but that can get expensive. A more affordable option is to use an editing software or program. I ve tried a few different platforms out and by far my favorite is, Grammarly. It s easy to use and catches errors that word processing programs miss. It also tightens up your copy so you re using an active voice.

From the first day, you launch your blog you need to make sure that you’re building an email list. SEO rules and social media platforms are constantly changing. But with an email list, it is something that you own, and that can always be used to reach your audience. Personally, I use Constant Contact I love them! They have lots of professional looking templates to choose from, it’s super easy to use, and they have added features like auto-responders. They even offer a FREE 60 trial so you can test them out without any obligation.

Search Engine Optimization (SEO):

The majority of my traffic comes from Google, and this is because certain keyword phrases on my site have ranked well with the search engines. Search engine traffic is free, and you’ll want to take advantage of it. I used to recommend Holly Klaassen’s e-book, 50 SEO Secrets for Mom Entrepreneurs, but she s no longer selling it.

So to get familiarized with SEO here are some useful articles on the basics.

I have read a ton of blogging books over the years, and these are the ones that have SERIOUSLY helped me on my journey!

There are so many ways to earn money from your blog, from direct ad sales and ad networks, to affiliate marketing and digital earning so make sure to check out these must-read articles.

As a career blogger, you ll need to keep meticulous records of your income and expenses. The first year I started out, I made the mistake of keeping all of these transactions in a spreadsheet which made tax time a nightmare. Since then I ve been using GoDaddy Bookkeeping (formerly, Outright) which has simplified the whole process because it automatically updates your transactions from your PayPal and checking account. The online platform is super easy to use, and I highly recommend it for all monetized bloggers.

Hope you found this roadmap helpful. Good luck on your blogging journey!

This post includes referral and affiliate links. Please be aware that we only promote advertising from companies that we feel we can legitimately recommend to our readers. See our disclosure policy for further information.





12 Ways to Make Money Online – Business Opportunities #business #license

#internet business opportunities

#

12 Ways to Make Money Online

Regardless of your area of expertise, there is a plethora of opportunities out there for you to make money online. Someone, somewhere can use your skills and talents – and they’re willing to pay you for it.

However, use caution when you see the phrase “make money online,” as it could be a scam. Christine Durst, consultant to the FBI on Internet scam issues told Woman’s Day magazine, There is currently a 61-to-1 scam ratio among work-at-home job leads on the Internet – that is, for every legitimate job, there are 61 scams.

So how can you tell? Here’s a hint: Legit job offers never require you to pay a fee to get more information, nor do they come in unsolicited junk emails.

We’ve made it easy for you. Here’s a list of 13 (legit) ways to make money online. While some have bigger payouts than others, if done the right way they can all add up to a healthy income.

1. Become an Online Reseller

An online reseller purchases items and resells them on sites like eBay to make a profit. Sellers determine the price by the market and the value of items they sell, so it’s imperative that you have a strong knowledge of what the product is worth (market value). Depending on the volume of your business, reselling on eBay and other sites could become a lucrative full-time job.

2. Try Affiliate Marketing

Affiliate marketing is one of the fastest-growing ways to earn money online. What’s great about becoming an affiliate marketer is that you don’t have to create any products yourself. You just link up a buyer and a seller, and you take a commission on the sale. One piece of advice, don’t join every affiliate program you come across in hopes of increasing your streams of revenue. Choose wisely and don’t overload yourself. Here are some of the most popular affiliate programs to help you get started: CJ Affiliate. ClickBank. Google AdSense and Rakuten LinkShare .

3. Virtual Independent Contractor

Customer service has evolved in the last few decades. It’s no longer about just answering questions from a cubicle in a call center. Larger companies like J. Crew, Express Jet, 1-800-flowers and IRS outsource their customer service to third parties who then hire home-based workers to take calls. Become an independent contractor with LiveOps and you will have the freedom to operate your own business providing customer service right from the comfort of your own home.

With a college degree and skills in math, science, English or a variety of other subjects, online tutoring might be the right fit for a little extra cash. At Tutor.com. working as an independent contractor can earn you around $10-$14 per hour based on the subject and hours worked. The busier you are with your home tutoring business. the more money you can make. Some online tutors bring in up to $1,600 a month.

Although most transcription companies will require you to pass an entrance exam, once you get your foot in the door there is real opportunity to make money. TranscribeMe offers short audio files to be transcribed at a rate of $14 per audio hour, with potential to earn up to $20. The key here is audio hour – your speed and efficiency will determine your overall hourly rate.

Registered nurses should consider a company like Fonemed. which provides phone-based triage and medical information to customers in Canada and the US. Companies like Fonemed contract with medical-related clients, doctor’s offices and pediatrician’s offices to answer questions during non-office hours (usually weeknights and weekends). To be considered, you must be licensed in the state or province where you are located and have at least three years of recent clinical experience with adults and children. Typical Fonemed nurses make $27 an hour and are eligible for benefits like health insurance and paid leave.

You don’t need a computer science background to get into the app biz. What makes app development such an attractive opportunity is minimal overhead. While $0.99 is a cheap price for a consumer, multiply that by the millions of people who have the device to download it. So, get brainstorming. Yours could be the next killer app.

8. Take Online Surveys

You definitely won’t get rich taking surveys online, but it’s an easy way to earn a little cash on the side. Do your homework and make sure the survey company is legitimate. My Survey. Pinecone Research and SurveySpot are just a few you should check out.

9. Closed Captioning

Work from home doing court reporting or creating closed captioning for the hearing impaired for television, videos, etc. It’s an industry you can break into with just a little training that inevitably pays quite well. Captioning is generally done with a stenotype machine, and if you are trained to use one it is possible to type over 200 words per minute. If you aren’t trained, visit the National Court Reporting Association for more information.

10 Take Part in an Online Jury

Think about this. Companies like eJury.com and OnlineVerdict.com will pay you to sit on mock juries to give attorneys and consultants feedback on cases they are working on. These cases are real and your verdict will give them a prediction of how things might go in the courtroom. Payment ranges from $5 to $60.

11. Become a Virtual Assistant

Business owners and other professionals are in need of personal assistants but can’t afford to add a permanent position. So what do they do? They hire remotely to address their administrative needs. Contact businesses in your area or register with an agency like Zirtual.com to get stated.

12. Flip Domain Names

One of the easiest ways to make money online is by buying a domain name for a low price and selling it for a higher price. You can purchase domain names through sites like GoDaddy or in an online auction at NameJet. There are dozens of reasons why domains expire, and you can profit from them. Flipping domains doesn’t cost a fortune to start and you can flip as many domains as possible.

Featured Opportunities View All





Startup firm – How to build money fast #business #times

#business start up

#

Startup firm

Start-Up Companies Logos

Small Business Startup Loan

Are you tired working for others after being a successful Architecture.

See who you know at Start Up IT Firm, leverage your professional network, and get hired.We help to fund great companies, great ideas and great people.

A small three-person Detroit firm called Dynamo Metrics has.Smith Jones, P.A. Start-up Business Plan 6 Hardware and Software Systems.A start-up business in Brazil is rolling out a network of drop-in siesta.

Small Business Start UPS

Business Partnership

Equilíbrio sustentável: conheça o triângulo da sustentabilidade.

He currently leads Business Development (BD) for our portfolio.Running your own business is a stressful but good career and life choice.

10 claves para aprender a vender tu empresa o producto – Marketing.

I was really excited with our startup because we had a lot of motivation and dedication that would take us to the top.Accounting is a more diverse profession than it is often given credit for, and it can offer both the.

Startup Business Cycle Graphic

Issues with the Chalk River facility have caused periodic shortages of Mo-99 over the years, most recently in May 2009, when the reactor was shutdown due to a major.From operating guidance to capital funding to technology assistance, the resources below can help your business start.Evaluate and Develop Your Business Idea: Step: Description: Resources: 1: Determine if the type of business suits you.Read more about Start-up firm Eckovation using AI to make open school platform smarter on Business Standard.Business Startup Advice – Start A Business And Grow It And Still Make Time For Your Family.

How I Started My Own Law Firm Right After Law School. Branigan.The Prinz Law Office is a Silicon Valley-based IP licensing and technology transactions boutique law firm, which represents entrepreneurs and start-ups across a.If you are an entrepreneur or an existing business owner who is looking to raise startup capital or business funding you have found the right place.Here are some secrets on how to start a business and some tips and advice to help you on your way.Fasken Martineau is a leading international business law and litigation firm with more than 700 lawyers across Canada, Europe and South Africa.Starting a small business is without a doubt a large undertaking, but it is fortunately something that can be attained by anybody with.

Business Startup Ideas

Startup Stages Funding

The start-up firm which wants to put Brazil to sleep. BBC News Services.Listed below are links to basic federal tax information for people who are.

Starting Business

Laguna Ventures LLC (LVL) combines creative and strategic chemistries that result in extraordinary business planning.

Starting a law firm is a difficult venture, especially for contingency fee attorneys.The entrepreneur might have a great idea and clear idea of how to turn it into.

Creating Image for Business Startup

This article is constantly updated to reflect new rules and processes of Starting Business in India.

Startup How to Make Money the Way

Whether you are starting an online business or a brick-and-mortar model, figuring out how to start a business, at its most basic, means finding a market need and then.

创业者想要成功,那就选择做“对的”事情,并将.

START-UP NY offers new and expanding businesses the opportunity to operate tax-free for 10 years on or near eligible university or college.Start the Right New Business for You.

Startup Company Infographic

START UP KIT FOR A SMALL LAW PRACTICE Compiled by the Law Practice Management Program and Law Practice Management Committee of the State Bar of Texas.

Business Start Up Companies

Business Start Up





Top 10 Online Business Opportunities to Make Money #carpet #cleaning #business

#online business opportunities

#

Top 10 Online Business Opportunities to Make Money

Great ways to increase your income directly from your private computer

Money makes the web go around. Whether you’re on a mission to find a new source of income or just looking to increase your paycheck with a side gig, the internet can offer a variety of solutions for you to choose from.

With such a great selection it’s easy to get lost. And although trial and error is a method we usually would recommend, it’s probably not a good idea to invest time and resources on experimentation when something so crucial as your income is at stake.

The solution? Research, and fortunately for you we can save you time with that. Below is a list of 10 online business opportunities that have a high potential for generating profit. Read through and consider which of these options might work for you.

1. Teach Online Classes:
Your expertise and knowledge can be very useful to you when you start your online business. Whether you’re a certified chemistry teacher or a knitting master, you can create an online course and charge students for access to the study material.

2. Do Affiliate Marketing:
On the web, affiliate marketers are people who promote various online services and receive a commission for making sales. Many online services have an affiliate program Wix.com has one as well! This type of business is especially worthwhile if you already have a blog or a website set up and can simply start working on promoting your affiliate goods.

3. Write for Pay:
If you happen to be a gifted writer, your skills could be valuable to a huge variety of target audiences, from companies that need tech manuals, to college applicants who need help writing their resumes, or small businesses looking for good newsletter content.

4. Design Wix Websites:
You have no idea how many times we’ve seen this pattern a person in need of a website creates one using Wix’s web publishing platform, is very pleased with the process and the outcome, publishes the website and then receives offers from friends and acquaintances to design a site for them as well. The idea behind Wix is that everyone can create websites, but not everyone has the time or the will to do it, so why don’t you step in and fill the need? Check out WixEd. our very own online course where Wix users can become certified web designers and start their own business in web design.

5. Open an Online Consulting Agency:
Provide professional and specialized observations based on your field of expertise health and wellness, finances, law and more. Here you can choose whether you want to work solely online or combine face-to-face service with your digital one.

6. Use Your Research Skills:
The internet created a neverending source of data. Companies searching for business intel, an individual interested in family genealogy or an author in need of background material do not always have the ability to search this vast pool of knowledge with a fine-tooth comb. In these examples and others, they would prefer to hire someone to perform online research. Might that someone be yourself?

7. Get with the Retail Program:
With online sales continuously on the rise, selling products to web shoppers is definitely a worthwhile path to follow for business purposes. Using Wix to create your own online store. you can set up a retail business with minimum effort and costs. We even have a guide that can help you choose the best products for your online store.

8. Offer Text Editing Translation Services:
It’s the most straightforward process you can imagine. A customer sends you a text for proofreading, literary editing or translation purposes, you do your work and send them a document back. This kind of hassle-free operation will leave you plenty of time to focus on promoting your service.

9. Become a Social Media Marketer:
Small business brands and professional freelancers often require help with promoting their work on social media platforms. You can train yourself to understand the fine art of social media marketing and offer to either take over their social marketing efforts or to provide consulting services on the matter. The Wix Blog will provide you with an abundance of reading material on how to market on social media .

10. Create Custom-Made Art or Music:
If you want to support yourself as an independent artist without having to take on an office job or wait tables, why don’t you use your talent to make extra money? You can offer people from all over the world the option to commission illustrations, caricatures, sculptures, video art, designed candles, custom-ordered songs or anything that your creative force is able to produce.

Other Cool Stuff





The Top Franchises For The Money #small #business #loans #for #women

#best business to start

#

The Top Franchises For The Money

Tired of not getting paid what you’re worth (or not paid at all) and want to start your own, already-proven gig?

That’s the lure of franchising. Pick a brand, add water and a few bucks, and voila, you’re an entrepreneur.

Running day-to-day operations and turning a profit is another matter, of course. Success starts with picking the right system to begin with, then rooting out the names that give the best bang for your investment buck. But with roughly 3,500 franchises to choose from, each governed by a Franchise Disclosure Document (FDD) running around 400 pages, where to begin?

With the help of Robert Bond, publisher of Bond’s Franchising Guides and chief executive of the World Franchising Network, a franchise database, Forbes weeded through the 100 most recognized franchise operators and found 20 that delivered the best bang for a franchisee’s investment buck.

In Pictures: The Top 20 Franchises To Start

“One of the reasons people buy a franchise is they have instant credibility,” says Bond. “If you are a lesser known franchise, it takes years to get that national recognition.”

Bond concedes that big names come with higher startup fees, but the payoff is often worth it. “Because they are big, they are not lusting after franchise fees and royalties,” says Bond. Another reason size matters: “The best ones take care of their franchisees,” he adds. “A lot of franchisors don’t provide value to the franchisee. Unless they do that on a long-term basis, the system is not going to work.”

Our methodology took into account four variables: estimated minimum initial investment (including initial fees plus equipment costs); total locations (we wanted at least 50, and more was better); survival rates (measured as the percentage of closings during the previous three-year period to the total number of existing locations–the lower the percentage, the better); and the number of training hours offered to new franchisees measured against the startup cost (the more support, the more comfortable we felt). We tallied each operator’s performance on each variable (overall footprint and survival rates carried the most weight) and summed the figures to arrive at our rank-ordered list.

Restaurants dominated the ranks. At No.1: Domino’s Pizza, based in Ann Arbor, Mich. The cheesy stalwart boasts low overhead and an expanded menu, including pasta and sandwiches.

Over 4,500 locations provide instant credibility; Domino’s also offers new franchisees a whopping 1,308 hours of training. Average initial investment per store: $253,950.

7-Eleven comes in at No. 2, with over 6,200 locations (4,685 franchised). More than a quarter are located in California, so there is room to run. Unlike most franchises, which charge a royalty based on revenue, 7-Eleven takes about half of the franchisee’s profit. Average initial investment: $389,378.

At No. 3 is Kumon North America, which offers Offers after-school tutoring in math and reading, geared mainly towards high school students, based on worksheets designed by founder Toru Kumon. Average initial investment: $90,894.

At No. 11, Liberty Tax Service offers its franchisees a tidy business along with some pretty attractive hours. Franchisees work only four months a year and do not need prior tax-preparation experience; Liberty trains their staffs. Average initial investment: $63,350.

There are other variables to consider before plunking down for your own franchise. Marketing expenditures and territory size are two big ones, says Dennis Wieczorek, chair of the franchise practice group at DLA Piper. Royalty fees are big, too, though these are hard to compare as some operators charge a percentage of revenues while others snag a flat monthly fee or something else entirely. (We included royalty rates for each of the 20 franchises in our slide show.)

Potential profitability is yet another factor, but only about a third of franchises include what’s called an Item 19, or Financial Performance Representation in their FDD. While the document lays out lots of information about the financial health of the franchisor, individual franchisees’ performances are anybody’s guess. (Hint: Call a few before making any decisions; current and former ones are listed at the end of the FDD.)

Franchisors offer varying levels of training. Some provide online tutorials while others send you to their training center for weeks and come to your store for days of on-the-job training. This isn’t as cushy as it sounds: For the most part, you are expected to foot the bill for travel and living expenses during training.

The business model may be fully baked but franchising success is far from guaranteed. Do the hard research upfront and you’ll boost your odds.

In Pictures: The Top 20 Franchises To Start





How To Start A Blog And Make Money In 5 Easy Steps

#online business ideas

#

How To Start A Blog And Make Money

Blogging has opened up a whole new world to online marketing, if you want to know how to start a blog and make money online then follow this step by step guide.

Starting a blog has never been easier. I have created and managed dozens of blogs over the past few years and I have gathered quite a lot of experience in that time. There are lots of ways to make money blogging but I ll cover what I have found to be the best ones right here, but first I am going to run through how to set up your own blog today. You can actually follow along and do it right now!

If you want your own online business you are going to need a blog or site! Creating a blog is really easy and there is no need for any complicated coding, HTML. CSS skills or anything technical.

Step 1 Decide on a blogging platform

There are lots of different platforms which you can build your blog on. But the most popular by far is WordPress. I have used WordPress for years and it does everything you could possibly want. Some of the leading websites in the world are built on WordPress including this blog!

The last I heard, WordPress has been downloaded over 72 Million times, so that in itself should be enough to tell you that it is the best platform to use.

The advantages of WordPress are:

  • There are thousands of free themes and layouts to choose from
  • WordPress uses plugins, there is a plugin for almost everything, so no need for coding
  • Easily add images and multimedia
  • Simple to install (takes 2 minutes)

With WordPress you can create what is called a self hosted blog , and this is what we are going to be doing. This means that we can use our own hosting and most importantly, our own domain name. If you use the free blogging platform on blogger.com or Tumbler.com you will be given a subdomain, which will look something like this (startablog.tumblr.com). This also restricts you to many of the features of hosting your own blog.

It also gives your blog more credit if it is self hosted on your own domain, and you have full ownership of it. For this reason I ALWAYS self host my blogs.

Step 2 Choosing A Domain Name And Host

You want to put a bit of thought into selecting your domain name. You can choose to use your business name, your own name or a domain that contains keywords related to the type of site you are building. My advice is to choose something that is brand-able and easy to remember, keep it short if possible.

There are lots of Domain registrar s where you can check and register a domain, here are a few that I have used:

Where To Host My Blog

There are hundreds of hosting companies out there, I ve tried many of them and encountered bad experiences with almost all of them at some point. I then came across BlueHost. Since I started using their hosting I have never had any problems. Their support is fantastic, their servers are fast and reliable and best of all, they are cheap.

I think it s around $4.95 per month. which is great value. Having a reliable host is the foundation for your whole online business, so don t get it wrong.

You can register a BlueHost account right now. and continue following my step by step guide.

Almost forgot; you can host as many sites as you want on just 1 BlueHost account.

Step 3 How To Install WordPress In Less Than 2 Minutes

This is the part where a lot of people are afraid of. It can seem daunting, the thought of installing WP and setting everything up correctly! Luckily BlueHost have a quick 1 click installation.

Simply login to your BlueHost account:

You should have set up a domain when you opened the account

Scroll to the wordPress Installation Tab

Now Click The install Button

Now simply select your domain where you want to install WordPress and fill in the remaining

The application will install WordPress and all of the files and database in just a few seconds.

Here is a video to show you the process:

Step 4 My Installation Is Complete. Now What?

Congratulations, you now have your very own blog hosted on your own domain. Now if you have never used WordPress before you are going to have to learn how it all works.

There is far too much to explain in this post, so I have found a few links which will take you through the process of setting up your new blog:

Step 5 How to make money from your blog

Making money from your blog can be a difficult task. It took me a long time before I started making any money from blogs, mainly because I was inexperienced and didn t really know what I was doing at the time. Luckily I gained a lot of experience from my failures and now I can pass that experience on to you.

There are tons of ways to monetize your blog to make money, some of them include things like,

  • Adsense Get paid when people click on ads
  • selling a product
  • Selling other peoples products as affiliates
  • selling a service
  • blog advertising,
  • Drop Shipping Selling physical products that you don t actually own

These are the main areas to focus on and I have used all of these myself to make money on my blogs.

The first thing you need to determine is what your blog is all about . If for example you are writing a blog that provides a lot of information, similar to this blog, then you may want to think about using Google Adsense or selling advertising space on your blog.

Drop Shipping For Success

If you are thinking of basing your blog around certain products (something like a blog about PC s and Tablets) then you would benefit from selling products. For this you would need to use Drop Shipping.

Here is the best Drop Shipping Wholesale directory that I have used – SaleHoo

Ever wondered how people make a fortune on Ebay? Here is the answer They use Drop shipping. I have done it myself with Ebay and Amazon .

The great thing about Drop shipping is I DONT HAVE TO BUY THE ITEMS until the customer buys them!!

So you can open an online store with absolutely no stock, and then when a customer purchases an Item, you simply order it from the drop shipper and have it delivered straight to the customer!

Summary

I hope this guide has provided you with some good information to get you started. You should now have your WordPress blog set up and you now have the knowledge to know how to start a blog and make money anytime you like. So the next step in the process is to take action. Taking action is the best piece of advise I was given. It s no good reading posts like this if you don t take action. If you haven t already done so, get your Bluehost account and start building your blog!

I’m an internet Marketer with a love for online business. Get in touch if you need a helping hand with Internet marketing, SEO or Business

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Money Saving Expert: Credit Cards, Shopping, Bank Charges, Cheap Flights and more

#cottage industry ideas

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Or try one of the following links.

Important! How this site works

We think it’s important you understand the strengths and limitations of the site. We’re a journalistic website and aim to provide the best MoneySaving guides, tips, tools and techniques, but can’t guarantee to be perfect, so do note you use the information at your own risk and we can’t accept liability if things go wrong.

  • This info does not constitute financial advice, always do your own research on top to ensure it’s right for your specific circumstances and remember we focus on rates not service.
  • We don’t as a general policy investigate the solvency of companies mentioned (how likely they are to go bust), but there is a risk any company can struggle and it’s rarely made public until it’s too late (see the section 75 guide for protection tips).
  • We often link to other websites, but we can’t be responsible for their content.
  • Always remember anyone can post on the MSE forums, so it can be very different from our opinion.

MoneySavingExpert.com is part of the MoneySupermarket Group, but is entirely editorially independent. Its stance of putting consumers first is protected and enshrined in the legally-binding MSE Editorial Code.

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Free tool to analyse your finances and scrutinise spending.





How To Start An Online Business – The Ultimate Guide To Making

#start online business

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How to start a successful online business

PASSION IS NOT ENOUGH.

How do I get started?

Repeat after me:
PASSION IS NOT ENOUGH

Most “experts” teach you that once you find your passion, you’ll magically become wealthy.

I don’t have to tell you that this plan is missing a few vital steps, such as an actual plan. Before you invest your time and energy creating an online product, ask yourself these questions:

  • How do I know which idea will be most profitable?
  • Will people actually pay?
  • How do I bring in traffic and buyers?
  • What can I do to set my business on autopilot, so it runs on systems instead of on my (limited) time?

Step 2

Solve the right problem (it’s probably not what you’d expect)

I asked readers, “What excites you about starting an online business?” Over 1,000 readers responded with ME-FOCUSED responses about what they wanted from an online business.

OK, we all want something for our work, whether it’s extra money, more free time, or the ability to be our own boss and give ourselves vacation days when the weather’s nice.

But what about your customers?

Nobody will ever give you money to solve your problems. but they’ll love you and happily pay you if you help them solve theirs. And by focusing on them, you’ll immediately stand out in a sea of online businesses that are only looking out for themselves.

What would happen if you said, “I’m really good at helping my friends with their relationship problems. I don’t want to just help people 1-on-1…I want to help THOUSANDS of people.” Or “I love helping people get in shape. I want to help as many people get fit as possible.”

It’s a huge psychological shift.

Once you’ve identified something you believe in, you need to know what idea people will pay for, how much to charge, and how to sell it without being sleazy.

It starts with figuring out what kind of online business you want.

Which online business ideas work best?

When you’re starting an online business, it’s easy to get overwhelmed by tactical minutiae. Should you create software, a physical product, a coaching system, or something else? How do you choose the right software, create your website, figure out drop shipping, and accept payments?

But when you drop what doesn’t work I spent years figuring this part out you’re left with 6 main options for an online business. I’ve systematically tried them ALL over almost a decade, and I’ll let you know exactly which ones are good and bad.

Your 6 options for starting an online business are software (including apps), physical products, ads, affiliate marketing, coaching, and online courses. And they aren’t all created equal.

Coaching is the single-best way to start learning business skills.

Many people don’t even think they can launch an online business. Then hold themselves back by saying things like, “I’m not an expert at personal finance, finding a dream job, or [fill in the blank].”

“I don’t know anything people would pay for!”

Are you sure? Unless you’ve actually tested your idea, the answer is “no.”

“But Ramit, my idea’s too weird/dumb! Nobody would ever pay to learn about it.”

I used to think that, too, until I discovered how many other weird people are out there. Here are just 3 profitable courses I’ve seen in the past year:

  • Toilet Trained Cat. Train cats to use the toilet. Revenue from books and courses.
  • Hear and Play. Learn to play piano by ear, without sheet music or years of lessons. Revenue from courses.
  • The Ultimate Disney World Savings Guide. Vacation at Disney World for half price. Revenue from ebooks.

Do these seem like ideas for normal, successful products? Of course not. These people simply found something they’re good at, then tested the market to see if other people were willing to pay for their knowledge.





Top 10 Online Business Opportunities to Make Money #business #insurance #companies

#online business opportunities

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Top 10 Online Business Opportunities to Make Money

Great ways to increase your income directly from your private computer

Money makes the web go around. Whether you’re on a mission to find a new source of income or just looking to increase your paycheck with a side gig, the internet can offer a variety of solutions for you to choose from.

With such a great selection it’s easy to get lost. And although trial and error is a method we usually would recommend, it’s probably not a good idea to invest time and resources on experimentation when something so crucial as your income is at stake.

The solution? Research, and fortunately for you we can save you time with that. Below is a list of 10 online business opportunities that have a high potential for generating profit. Read through and consider which of these options might work for you.

1. Teach Online Classes:
Your expertise and knowledge can be very useful to you when you start your online business. Whether you’re a certified chemistry teacher or a knitting master, you can create an online course and charge students for access to the study material.

2. Do Affiliate Marketing:
On the web, affiliate marketers are people who promote various online services and receive a commission for making sales. Many online services have an affiliate program Wix.com has one as well! This type of business is especially worthwhile if you already have a blog or a website set up and can simply start working on promoting your affiliate goods.

3. Write for Pay:
If you happen to be a gifted writer, your skills could be valuable to a huge variety of target audiences, from companies that need tech manuals, to college applicants who need help writing their resumes, or small businesses looking for good newsletter content.

4. Design Wix Websites:
You have no idea how many times we’ve seen this pattern a person in need of a website creates one using Wix’s web publishing platform, is very pleased with the process and the outcome, publishes the website and then receives offers from friends and acquaintances to design a site for them as well. The idea behind Wix is that everyone can create websites, but not everyone has the time or the will to do it, so why don’t you step in and fill the need? Check out WixEd. our very own online course where Wix users can become certified web designers and start their own business in web design.

5. Open an Online Consulting Agency:
Provide professional and specialized observations based on your field of expertise health and wellness, finances, law and more. Here you can choose whether you want to work solely online or combine face-to-face service with your digital one.

6. Use Your Research Skills:
The internet created a neverending source of data. Companies searching for business intel, an individual interested in family genealogy or an author in need of background material do not always have the ability to search this vast pool of knowledge with a fine-tooth comb. In these examples and others, they would prefer to hire someone to perform online research. Might that someone be yourself?

7. Get with the Retail Program:
With online sales continuously on the rise, selling products to web shoppers is definitely a worthwhile path to follow for business purposes. Using Wix to create your own online store. you can set up a retail business with minimum effort and costs. We even have a guide that can help you choose the best products for your online store.

8. Offer Text Editing Translation Services:
It’s the most straightforward process you can imagine. A customer sends you a text for proofreading, literary editing or translation purposes, you do your work and send them a document back. This kind of hassle-free operation will leave you plenty of time to focus on promoting your service.

9. Become a Social Media Marketer:
Small business brands and professional freelancers often require help with promoting their work on social media platforms. You can train yourself to understand the fine art of social media marketing and offer to either take over their social marketing efforts or to provide consulting services on the matter. The Wix Blog will provide you with an abundance of reading material on how to market on social media .

10. Create Custom-Made Art or Music:
If you want to support yourself as an independent artist without having to take on an office job or wait tables, why don’t you use your talent to make extra money? You can offer people from all over the world the option to commission illustrations, caricatures, sculptures, video art, designed candles, custom-ordered songs or anything that your creative force is able to produce.

Other Cool Stuff





My Tarot Draw #tarot, #love, #luck, #job, #money


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The Tarot Reading

Tarot. Exact science or not. The 22 cards all have a signification that we all more or less agree on. It is the base of the tarot draw on which there should be no discussion. In revenge, the work of card synthesis gives more trouble for Tarot Readers all across the world. It is there that the sensitivity or a gift (depending on your interpretation) takes all it sense. The opposition, the orientation of the card or even the apparition number are going to be as much element to identify all factors before making an honest summary of the draw. As for my part, I often put together the sky birth data with the draw. I thus reinforce the idea that I made with the Tarot draw. If you wish to continue with me, it will be essential to allow me to know your place and date of birth to refine my work. But for the moment it is up to you to pick a card to start off with.

If you wish to choose me as your consultant, then I will need the place and your date of birth to refine my Tarot draw with the Astrology. For the moment, it is up to you to pick a card to start off.


Sending Money Abroad, Overseas, International Money Transfer, International Money Order #international #money


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Sending Money Abroad: International Money Transfer

There are three major ways to send money transfers from the United States to someone in another country ( international money transfer ):

Western Union . an established leader in international money transfer, can send money worldwide, including the ability to transfer money online or send money abroad by phone.

  • Its international money transfer website has a useful feature that calculates the cost of sending money abroad to the country of your choice. If you transfer money online or send money overseas by phone, you pay using a credit card or debit card.
  • If you do not transfer money online or send money abroad by phone, you will need to locate both a sending international money transfer agent and a receiving international money transfer agent. There are 196,000 money transfer agents located in over 190 countries and territories. If using a sending international money transfer agent, you must pay for the international money transfer in cash.
  • Fees, procedures, and the locations of international money transfer agents are available on the website or by calling 800-325-6000.
  • Each international money transfer transaction has a unique international money transfer control number. It makes it easier for collection of funds if the recipient knows the number.
  • The recipient should be able to pick up the funds within the hour (subject to the hours of operation at the receiving agent location). Proper identification is required.
  • Western Union Online FX is a more helpful online solution for frequent users – those individuals or businesses that need to send money abroad, or make international money transfers or payments, frequently or periodically. You can establish your own online international money transfer account at no cost (no setup fee, no account fee or maintenance fee), and you have more choices about how to fund and deliver transactions (including direct debit, EFT, ACH, bill payee, wire transfers, and drafts). Phone and email support is provided, and your online account provides transaction history with full details. Western Union Online FX is part of Western Union’s new service offering, and it has the feel of a premier service that may cost you less to use than other methods.

    MoneyGram is a competitor in international money transfer and now offers the ability to send money online as well. It has 75,000 agents in 170 countries. Like its competitor, its website has a useful feature that calculates the cost of sending money to the country of your choice. It claims to be cheaper than the leading international money transfer provider, although costs may vary by country and the amount of the international money transfer (for example, we found it significantly more expensive for sending money to Mexico, but slightly less for sending money to the United Kingdom).


    International Money Orders: U.S. Postal Service Banks

    The United States Postal Service issues international money orders:

    • Maximum allowed is $700 per international money order. However, you can purchase multiple international money orders per day, up to a maximum of $10,000 in international money orders.
  • The processing fee is $3.85 per international money order.
  • U.S. Money Orders can be cashed in banks or post offices in most countries around the world.
  • All U.S. post offices provide international money order service.
  • You must fill out the recipient’s name on the international money order before mailing the international money order to the recipient.
  • Keep the numbered carbon copy receipt for your records.
  • In case of problems, the international money order is traceable by its unique number.
  • Most banks also issue international money orders. The maximum is $1,000 and the fee is $4.50 per international money order. Most of the routines of U.S. Postal International Money Order purchases apply.


    International Bank Transfers

    If you have a bank account, there are several ways to send money overseas by making international money transfers through the banking system. Not all banks send money abroad in the same way. Check with your local bank for details on its services related to international money transfers.

    Sending a Check Abroad

    • International check clearing can take from 4 – 6 weeks.
    • Even though it’s easy to issue a check, it may not be easy for the recipient to cash the check.
    • The recipient will be charged a fee of about $50 for international check processing.
    • Some countries have less streamlined banking systems than others and may not honor foreign-drawn checks.
    • Depending on which city or town you live in, this can take from a few days to a week for the bank to prepare the foreign draft.
    • You mail the foreign draft to the recipient.
    • The money comes out of your account when the foreign draft is prepared, not when the recipient receives it.
    • There is a fee for this service of about $25.
    • Since the foreign draft is drawn on your bank to another (corresponding) bank, the recipient must have access to the corresponding bank.

    International Bank Wire Transfers

    • You don’t have to be a customer of the bank to send an international bank wire, but you have to pay cash.
    • Sending an international bank wire transfer is quicker than a Foreign Draft, since it is done almost immediately.
    • The fee for sending an international bank wire transfer is about $65 for non-customers and about $40 for bank customers.
    • The recipient must have access to the corresponding bank.

    International Money Transfer
    Cost / Efficiency Comparison
    Sending $300 from the United States to the United Kingdom


    Credit Freeze Guide: The best way to protect yourself against identity theft


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    Credit Freeze Guide: The best way to protect yourself against identity theft

    Image Credit: Dreamstime

    Team Clark is adamant that we will never write content influenced by or paid for by an advertiser. To support our work, we do make money from some links to companies and deals on our site. Learn more about our guarantee here.

    Credit freezes are one of the most effective ways for consumers to protect themselves against identity theft.

    What exactly is a credit freeze?

    A credit freeze allows you to seal your credit reports and use a personal identification number (PIN) that only you know and can use to temporarily thaw your credit when legitimate applications for credit and services need to be processed. The added layer of security means that thieves can t establish new credit in your name even if they are able to obtain your personal information.

    Freezing your credit files has no impact whatsoever on your existing lines of credit, such as credit cards. You can continue to use them as you regularly would even when your credit is frozen.

    Freezes have been available for free to victims of identity theft for some years, but recently all three of the major credit bureaus adopted new rules that now allow non-victims to have access to credit freezes as well for a small fee. In addition, most states and Puerto Rico have adopted laws establishing credit freezes for residents of their state.

    Residents of various states may also freeze the credit reports of their minor children. Visit the National Conference of State Legislatures to see what the law is in your state.

    The cost ranges from about $3 to $10 per person per bureau to freeze a credit report; a couple of states have higher fees.

    *When you do a credit freeze, it is imperative that you freeze your credit with all three bureaus.*

    The cost to thaw your reports for one creditor — or for a specific period of time — ranges from free to $10.

    Four states remove your credit freeze automatically after seven years. These states are Kentucky, Nebraska, Pennsylvania and South Dakota.

    In most states, your credit freeze remains permanently on your files until you request removal. But not so in the states listed above, according to the Consumers Union’s guide to security freeze protection .

    If you re a resident of one of these states, pay close attention. You ll need to set some kind of calendar reminder for seven years from the date of placement. That will serve as a reminder to refresh your credit freeze status before it drops off your radar completely and you go months or years without this key protection against identity theft!

    When shouldn t you freeze your credit?

    If your credit reports are accessed often for work or because you create new accounts with various financial institutions on a regular basis, it is not recommended that you freeze your accounts. The costs to regularly thaw your reports would tend to be excessive.

    Below you ll find directions and links to assist you in obtaining your credit freeze or thaw from each major bureau:

    • Credit freezes may be done online or by certified mail return receipt requested.
    • Check your state s listing for the exact cost of your credit freeze and to see if there is a reduction in cost if you are a senior citizen.
    • Request your credit freeze by certified mail using this sample letter. Please note the attachments you must include.
  • If your PIN is late arriving, call 1-888-298-0045. They will ask you for some ID and arrange for your PIN to be sent to you in 4-7 days.
  • Unfreeze. Do a temporary thaw of your Equifax credit freeze by snail mail. online or by calling 1-800-685-1111 (N.Y. residents dial 1-800-349-9960).
  • Info on freezing a child s credit with Equifax can be found here .
  • If requesting a freeze by mail, use the following address:
    • Equifax Security Freeze
      P.O. Box 105788
      Atlanta, GA. 30348
    • Credit freezes may be done online ; by certified mail return receipt requested; or by calling 1-888-EXPERIAN (1-888-397-3742). When calling, press 2 then follow prompts for security freeze.
    • Check your state s listing for the exact cost of your credit freeze and to see if there is a reduction in cost if you are a senior citizen.
    • Request your credit freeze by certified mail using this sample letter. Please note the attachments you must include.
    • You can also freeze a child s credit report. The information contained at this link is applicable for all three credit bureaus. You must first write a letter to each bureau to learn if your minor child has a credit report and if so, then you can proceed to freeze it.
    • Unfreeze. Do a temporary thaw of your Experian credit freeze online or by calling 1-888-397-3742.
    • Info on freezing a child s credit with Experian can be found here .
    • If requesting a freeze by mail, use the following address:
      • Experian
        P.O. Box 9554
        Allen, TX. 75013
    • Credit freezes may be done online. by phone (1-888-909-8872) or by certified mail return receipt requested. (Some users have reported difficulty with the online method. Please try one of the other options if you too experience difficulty.)
    • Check your state s listing for the exact cost of your credit freeze and to see if there is a reduction in cost if you are a senior citizen.
    • Request your credit freeze by certified mail using this sample letter. Please note the attachments you must include.
    • Unfreeze. Do a temporary thaw of your TransUnion credit freeze online or by calling 1-888-909-8872.
    • Info on freezing a child s credit with TransUnion can be found here .
    • If requesting a freeze by mail, use the following address:
      • TransUnion Protected Consumer Freeze
        P.O. Box 380
        Woodlyn, PA. 19094

    *YOU CAN ALSO FREEZE YOUR CHEXSYSTEM REPORT*

    Visit ChexSystems.com and to submit your request online.

    Special thanks to our listeners Carrie and Ed for their input into this guide.

    A new option for free credit monitoring

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    Google Finance – Get company stock quotes streaming live #finance, #reference, #research,


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    Google Finance

    What it’s good for

    • Information on personal finance from Google
    • Google Finance offers a broad range of information about stocks, mutual funds, public and private companies, interactive charts, news and fundamental data
    • Excellent site for financial information
    • Google s tool for searching financial information
    • Real Time quotes and market overview
    • Google Finance offers financial data and news for most publicly-traded companies
    • Excellent interactive charts for any stock, mutual fund or currency for right now or any date in the past (historical data) with annotations for dates of big news events
    • Get live streaming statistics from wall street
    • Search stocks and get real time stock quotes
    • Perform stock research to evaluate a stock or mutual fund before investing and get quick price charts for analysis
    • Business information, news, and interactive charts. Get market summary, market news, stock quotes, and videos related to the economy and market news. Find real-time, last sale prices from the New York Stock Exchange (NYSE) for free, along with those from NASDAQ. Wondering what Ford (F) is trading at today? Search for it on Google or Google Finance and keep the page up to have the quotes stream live. Access to real-time financial information has traditionally been limited to investors with brokerage accounts and other users via subscription fees. This free access was made available on Google Finance beginning in June 2008. Other features available on Google Finance includes the ability to create a personal, customized portfolio overview of stock values that you want to monitor

    Google Finance

    Popularity

    2017 iTools


    Money Girl: How to Make More Money (Without Getting a Second Job)


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    How to Make More Money (Without Getting a Second Job)

    If you want to improve your personal finances, like saving more money or paying off debt. there are 2 fundamental solutions: spend less, or earn more. Or you can turbo-charge your efforts and do both.

    While I always encourage cutting unnecessary or mindless spending, there s a limit to how much you can cut back. On the other hand, the amount you can earn is limitles – but it s usually more difficult than cutting expenses.

    In this episode, I ll cover an important way to make more money that doesn t involve getting a second or third job or even going back to school for an advanced degree. Using this information can make you happier at work, and help you earn a lot more money.

    Hop to a New Job

    If you re ready to earn more money, one of the quickest ways may be to simply change jobs. This is a trend that I ve observed over and over in my career and there s new data to support the economics behind job hopping, which I ll cover in the next section.

    Job hopping used to be frowned upon by managers and human resources professionals. If you stayed at a job for a only short period of time, you d be considered disloyal or flaky, while if you stuck it out for the long term, you d be rewarded with recognition, annual raises, and even a cushy retirement pension.

    But now the tide has turned, and job hopping doesn t have the same stigma. Far too often, employers tend to overvalue new hires and undervalue existing employees. Frequent job switching is the new norm, especially for younger workers. In fact, it may even be seen as an indication of ambition or motivation.

    Pages


    How to Save Money on Gas (with Pictures) #money #saving #articles


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    How to Save Money on Gas

    Gas prices keep going up, and the money in our wallet keeps evaporating more quickly. There are many ways you can spend less money on gas and reduce your overall fuel consumption. But, you must think it through and begin formulating new plans! One technique that has been around for a while but has drawn more attention recently is hypermiling. However, use your head because some hypermiling techniques are illegal and extremely dangerous.

    Steps Edit

    Change those spark plugs often! Platinum spark plugs may claim to last 100,000 miles (160,000 km), but they have been known to foul up at just 75,000 miles (121,000 km). [citation needed ] Spark plugs are relatively inexpensive and (depending on the vehicle) easy to replace. If you’re not that handy or mechanically inclined, read some auto repair books or be-friend a mechanic.

    Limit your driving. This article includes ideas such as carpooling, combining trips and taking the first parking spot you find.

    Find good gas prices . This article offers tips about making sure you are paying a competitive price for the gas you do buy. Be sure to recognize the value of the gas you spend to go out of your way.

    Take care of your car . A properly maintained vehicle will run more efficiently and give you better mileage, which saves you money in gas.

    Fill up efficiently. This involves three things:

    • Consider whether to fill your tank up full or halfway. Filling up your tank halfway will reduce your car’s weight, increasing your mileage slightly. However, if your nearest gas station is significantly out of the way of your daily route, make sure to take into account the gas spent driving to the station and the value of your time.
    • Don’t top up your tank between fills. It is wasted money and bad for the environment because it invariably forces liquid fuel into the evaporative emissions system, where it overwhelms circuits that route fuel tank vapors to the engine. [citation needed ]
    • Wait until you have a quarter tank, but don’t push this any further. Doing this can extend your gas mileage because you are hauling a lighter fuel load. It also gives you the opportunity to buy more gas if you run across a bargain. However, in cold weather, you run an increased risk of condensation in the fuel tank. Running a car with less than a quarter tank can shorten the life of the electric fuel pump, and running on empty will often destroy the pump.

    Top off the air in the tires every few weeks to the car manufacturer’s recommended pressure. This is best done when the tires are cold (have not been driven on more than a mile or so). It is proper for them to have a few psi higher pressure after extensive driving, but filling them hot should generally be avoided unless they are very low on air to avoid inaccuracy. Excessive pressure adds very little efficiency and can cause bad handling and uneven tire wear. Some gas stations, notably Sheetz gas stations, have air pumps that are free to use and automatically inflate the tires to a pressure set on the pump. These are very convenient. (If an automatic pump seems to be adding an unexpectedly large amount of air, double-check its progress with a hand air gauge to avoid overfilling.)

    • In California, gas station operators are required to offer free air to customers who purchase fuel.

    If you are always stuck in rush hour traffic after work anyway, try to find something to do near your work until the traffic dies down, rather than try to fight through it.

    Learn how to coast between traffic lights, applying power only as needed to keep the car rolling (more or less) with traffic. Learn to judge terrain and use engine braking to its full potential to keep the car moving ‘for free’, and save more gas over time.

    Most car modifications do not improve mileage. Extra wings add drag. Power improvements often hurt mileage. However, if your car is turbocharged, chiptuning may result in a mileage boost. The mileage boost will be canceled out if you drive more aggressively due to power improvements.

    Keep meticulous records of what you spend and how many miles you drive so you can quickly spot changes in vehicle performance. It will also help focus you on the goal of saving.

    A manual transmission saves an average $1000 on the cost of a new vehicle, and eliminates routine transmission maintenance that an automatic transmission requires (and most people never do this maintenance once the warranty is up – so a used car with an automatic can be a risky purchase). In some cases, a manual transmission gets slightly better mileage overall than an automatic transmission.

    Every MPH faster yields you less advantage than the last one. Going 10 mph (16 km/h) is a big difference over 5 mph (8.0 km/h), but there is very little difference between 55 mph (89 km/h) and 60 mph (97 km/h), unless you are on a very long trip. Many people mindlessly speed wherever they go, and gain absolutely nothing but a heftier fuel bill. Assuming everything goes perfectly (and when does it?) going 5 mph (8.0 km/h), even 15 mph (24 km/h) faster on a highway for a short trip will yield nothing but aggravation as you keep catching up to slower traffic.

    Many of these tips change slightly if your engine is turbocharged or diesel. For instance, diesel engines use almost no fuel while idling. Diesel trucks will often be left idling all night to provide heat or power for the trucker inside the cab, at the cost of relatively little fuel.

    Get a smartphone app that helps to find the cheapest gas.

    Often the right-most lanes keep moving more than the left-most in areas prone to traffic-jams. Vehicles continue to exit, which keeps leaving ‘gaps’ to fill in.


    Borrowing money, borrowing money for business.#Borrowing #money #for #business


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    Borrowing money

    At some stage in life most people are likely to borrow money. There are many different types of credit and loans. You should get the right loan for your needs and should shop around for the best loan.

    Consumers who borrow money are protected in legislation by the Consumer Credit Act 1995. This Act covers all types of credit and credit institutions must comply with this law. The Act also prescribes the ways in which credit may be advertised. If you are having trouble paying off a loan the Money Advice and Budgeting Service (MABS) may be able to help.

    Generally, banks, building societies and other credit institutions charge for the use of borrowed money. This payment is called ‘interest’ and it is calculated on the amount of money you borrow and the length of time that you borrow it. You may also have to pay fees to cover administrative expenses on your loan.

    Before you borrow money

    If you are borrowing money or buying goods it is important that you ensure that you can afford to pay back what you borrow. Be realistic about your living costs. Make sure that any money you have left after you pay for essentials is sufficient to cover the cost of a loan. Check whether you can save enough money to buy what you need rather than getting a loan. You can also reduce the amount that you may need to borrow by using money that you have saved.

    Get a loan to suit your needs

    There are many different types of loans and credit. Each type of credit is suitable for a different purpose. Some are more suited to short-term borrowing and others are more suited to medium to long-term borrowing.

    Shop around for the best value

    Banks, building societies and credit unions all offer a range of loans. When comparing charges for the use of borrowed money, interest on loans must be presented as the Annual Percentage Rate (APR). The APR states what percentage of the amount you borrow you will be charged in addition to paying back the loan amount. It is important that you compare like with like. Loans can be paid back over different terms or lengths of time. You may think that you are getting a good deal on a loan with a low APR but if you are paying more instalments over a longer period of time you may find that it will cost you more. Cost of credit is another way of comparing loans which looks at the total cost of the loan.

    The Central Bank authorises banks, building societies and credit unions. You should only borrow from an authorised financial service provider. This protects you and your money from unscrupulous lenders. If you are unsure if the company that you are dealing with is authorised contact the Central Bank to find out.

    You can access a loan calculator to help you work out repayments on a loan at consumerhelp.ie. You can also compare personal loans, credit cards and overdrafts with financial product comparison tools.

    Types of credit

    There are many different forms of credit including:

    • Overdrafts: An overdraft is a way of borrowing on your bank account. Overdrafts are given on your current account so that when your balance is 0 in your account you can still spend up to a certain limit.

  • Credit cards: A credit card allows you to borrow money on a monthly basis. There is no interest charged on borrowings if you pay your full bill within a set number of days. Credit cards are flexible and can be used to pay for items and services that you may buy on-line or by telephone. Credit cards are accepted as a means of payment for goods and services or for accessing cash in other countries. They are not suitable for long-term borrowing as interest rates are high. If you have a problem with an item you have purchased your credit card bill or statement can be used as proof of purchase.

  • Personal loans (from banks or building societies): Banks and building societies offer personal loans to customers. These loans are suitable for medium and longer term needs, for example, a car loan or a loan for home improvements. Banks or building societies may also charge other fees and charges. Generally, you pay a fixed amount back every month. If your loan is a variable rate loan you may be able to pay more than this back when you have it. This allows you to pay off the loan sooner. It is not advisable to take out personal loans to cover day-to-day expenses.

  • Credit union loans:Credit unions also offer loans to consumers. You must be a member of a credit union before you can take out a loan. Credit unions are based in the community or workplace and you must be living or working in a particular area or working for a particular employer to become a member. You may need to have saved some money in a credit union before getting a loan. Credit union loans are suitable for short and longer-term needs such as loans for holidays or cars. They are also useful for refinancing other loans. Some credit unions are offering a new type of loan called an It Makes Sense loan. This loan is aimed at people getting social welfare payments who repay the loan through the Household Budget Scheme.

  • Hire purchase: This is a hire agreement offered by shops or garages so that you can hire and eventually buy particular items. Items bought on hire purchase are normally expensive items such as a car or furniture or electronic equipment. You do not own the item until the last instalment of the loan is paid. While the Central Bank regulates finance companies, the Competition and Consumer Protection Commission regulates credit intermediaries (as well as pawnbrokers). In a hire purchase agreement ownership of the items passes to you after the last instalment is paid. In a consumer hire agreement the goods are hired and will always belong to the consumer hire company.

  • Credit sale agreements: These agreements are similar to hire purchase agreements in that an item is purchased and paid for in instalments. A major difference is that a buyer immediately owns the goods bought under a credit sale agreement. The APR charged on this type of loan is generally higher than that of credit cards but cannot be above 23%. Like hire purchase loans this type of credit is not flexible.

  • Mortgages and top-up mortgages: If you are a homeowner a mortgage is the largest single financial product that you are likely to buy in your life. A top-up mortgage is a way of extending your mortgage to consolidate your debts or to pay for a car or other large purchase. Although APRs are low, this type of loan may cost you substantially more in the long run if you pay it back over a longer term. These loans – like your mortgage – are secured on your home so it is extremely important that you keep up repayments otherwise your home may be at risk.

  • Moneylending: Moneylending is the practice of giving cash loans or supplying goods or services that are repaid at a high level of interest over a short period of time. Banks, building societies, insurance companies and credit unions are not considered moneylenders. Moneylenders are generally either individuals or companies whose main business is to lend money.
  • Credit history and your right to privacy

    If you have ever used credit you will have a credit history. A credit institution can refuse to give you a loan if you have not complied with the terms and conditions of previous loans. The Irish Credit Bureau keeps a database of all borrowers and credit institutions can check the status of previous loans taken by a potential borrower. You can find out more about your credit rating and the Irish Credit Bureau.

    When you have entered into a credit agreement, the Consumer Credit Act 1995 protects your rights.Your entitlement to privacy is protected and there are rules about lenders contacting you. These restrictions are legally binding on all lenders and are designed to protect your privacy as a consumer. For example, the Act prohibits visits or telephone calls from an authorised financial institution about the agreement to you without your consent at any place between 9pm and 9am weekdays, or at any time on Sundays or public holidays. Calls or visits to your place of work are prohibited unless you live there, or if reasonable efforts to contact you have failed. Only the person(s) involved in the credit agreement may be contacted (unless other arrangements have been made).

    Where to apply

    The Competition and Consumer Protection Commission (CCPC) provides information and education about the costs, risks and benefits of financial products and promote the interests of consumers of financial products. The CCPC provides a range of consumer guides and information on financial products:


    Is Whole Life Insurance Right For You? Consumer Reports #life #insurance, #whole


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    Is whole life insurance right for you?

    We’ve long advised younger, budget-conscious families to buy term life insurance. The main reason—it offers bargain-price protection that pays a large benefit to your survivors if you die during the typical 20- to 30-year term of the contract. Consequently, we’ve tended to short-shrift whole life insurance because it’s a murky mix of life insurance and savings or investment vehicle that builds cash value after several years and into the ­future—again, as long as you pay the premiums, which can be 10 times as high as those on a same-sized term policy.

    Our advice—that term life is a better deal for most families—hasn’t changed. But because bigger annual premiums result in larger commissions for insurance sales­people, sooner or later an agent may try to sell you a whole life insurance policy, also known as “cash-value” and “permanent life.” But whole life is a lot more complicated than term, and you should understand how both types work.

    The confusion starts with the fact that whole life insurance combines two financial products—life insurance and an investment—into one that is supposed to serve your needs over your entire lifetime. But life is unpredictable, and the circumstances that drove your initial purchase can be very different a decade later. A period of financial stress, say, may prompt you to eliminate the high annual payment and surrender the policy for its cash value.

    Running the numbers

    Click on the image to expand it.

    To grasp the value of whole life insurance, you need to see how it and term life insurance operate in practical terms. We got term and whole life quotes from AccuQuote, an online broker that sells policies from about 100 insurers nationwide, for a 40-year-old Illinois man in perfect health who wants a $500,000 policy with level annual premium payments (click to enlarge the chart, right).

    When you’re young and have a family, term life insurance (dotted-red, then solid red line) provides a big death benefit for a bargain price (turquoise line). But at age 70, in our example, the 30-year term protection ends. That’s also when the term life starts becoming prohibitively expensive because of the insured’s age and declining health, and the increasing probability of death.

    A traditional whole life insurance policy purchased at 40, keeps the death benefit in force beyond age 70, as long as premiums are paid (dashed-blue, then solid-blue line). Whole life premiums are steep, though: $6,760 per year vs. $660 annually for the term policy. But the “excess premium” goes to guaranteed savings, which build cash value over time (light-gray line).

    Alternatively, you could buy the 30-year term policy and each year invest the difference between the whole- and term-life premiums in conservative 10-year Treasury notes. (T-notes are a comparable alternative to investing in whole life, in terms of liquidity, risk, and resulting returns; a stock mutual fund would not be comparable.) In this illustration, which assumes that the current 2.17 percent 10-year T-note rate remains level, the T-notes can provide a higher return on your money (dark-gray line) vs. the guaranteed return (light-gray line)—but no death benefit past age 69.

    So one value of whole life is the continuing death benefit (dark-blue line) for your heirs while you continue to build cash value.

    But some whole life policies also pay dividends based on the insurer’s financial performance. Those returns, not guaranteed but likely, can be reasonably estimated. When the dividends are used to buy additional “paid-up insurance,” that can add an estimated $500,000 to cash value by age 90 (light-blue line) and boost the death benefit to $1.1 million (gold line).

    However, the average annual rate of ­return—1.5 percent for the whole life guaranteed cash value, 2.2 percent for the Treasuries, and 3.5 percent for the whole life possible cash value—is undercut by inflation, currently about 2.2 percent per year.

    So your savings tread water while providing lifelong life insurance, and you can pass on the assets tax-free to your heirs .

    The name of the game is to hold on to your policy until you die. About 4 percent of whole life policies per year lapse, according to a study of 47 million policies issued by 20 insurers over more than two decades, by LIMRA, an industry research company. That means the value of a whole life policy depends on how long you own it. Here’s what to look for:

    Less than five years

    If a reversal of fortune causes you to quit the policy in less than five years, whole life is a lousy investment. Huge front-end sales commissions and policy-surrender charges eat up the cash value, and you’ll probably lose all or most of your investment. You will have received the value of the life insurance protection for that period, but that will be wildly overpriced because you could have paid significantly less for a simple term policy.

    Our advice: If you worry that you won’t be able to maintain those high whole life premium payments for even a few years, buy term insurance instead.

    Sixteen years

    If you dump your policy around the 16th year, your cash surrender value plus the value of the insurance you received will be about what you put in. So that’s the earliest you can drop the policy without losing your shirt.

    Our advice: If you’re wealthy, you can probably gamble on whole life over that long period. If you’re struggling, go with term.

    Two decades and beyond

    As our chart shows, if you steadily maintain your payments for two decades, the returns on whole life, including dividends, start significantly pulling away from the term plus Treasuries alternative. Meanwhile, surrender charges have usually disappeared, if you want to cash out. “If you hold a cash-value policy long enough, it can compete with alternative investments of comparable risk,” says Glenn Daily, a New York City fee-only life-­insurance consultant.

    Our advice: Higher-income folks in the 20+ years club have options: If you’re building a legacy for your heirs and have the money to keep going, the rising return trajectory and insurance coverage should give peace of mind. If you need to leave whole life, you can.

    Whole life provides a death benefit until age 100 to 121, depending on the policy, but you have to keep paying the premium as long as you live. However, for an additional premium, if you become disabled before age 65, the insurance company pays the premiums for the rest of your life.

    Hidden truths

    This mixed bag of potential benefits and costs is complicated enough for consumers to navigate, but poor disclosure robs consumers of the information they need to comparison shop.

    Although most states have adopted model disclosure regulations promoted by the National Association of Insurance Commissioners, no state or federal agency requires them to mention such basics as investment-­management fees, rate of return, and (with the exception of New York) sales commissions.

    Insurers also don’t disclose what part of the annual premium goes to pay the life insurance vs. savings components of the policy. If you don’t know how much is going to your cash account, you can’t accurately calculate your rate of return on that asset.

    That makes it difficult to compare one policy with others. And yet there are large differences in prices among companies for essentially the same coverage, industry experts say. Brian Fechtel, a chartered financial analyst and 27-year life-insurance agent, says commissions on whole life can be 130 to 150 percent of the first-year premium.

    “If the industry disclosed the commissions, whole life sales costs would have to come down to be competitive,” Fechtel says.


    How to Start a Business With (Almost) No Money #cool #business #ideas

    #how to start a business

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    How to Start a Business With (Almost) No Money

    You re excited to start a business. Maybe you have an idea, or you re just fascinated with the idea of launching and growing your own enterprise. You re willing to take some risks, like leaving your current job or going without personal revenue for a while. But there s one logistical hurdle stopping you. You don t have much money.

    On the surface, this seems like a major problem, but a lack of personal capital shouldn t stop you from pursuing your dreams. In fact, it s entirely possible to start and grow a business with almost no personal financial investment whatsoever — if you know what you re doing.

    Why a business needs money

    First, let s take a look at why a business needs money in the first place. There s no uniform startup fee for building a business, so different businesses will have different needs. It s important to first estimate how much you need before you start finding alternative methods to fund your company.

    Consider the following uses:

    • Licenses and permits. Depending on your region, you may need special paperwork and registry to operate.
    • Supplies. Are you buying raw materials? Do you need computers and/or other devices?
    • Equipment. Do you need specialized machinery or software?
    • Office space. This is a huge expense, and you can t neglect things like Internet and utilities costs.
    • Associations, subscriptions, memberships. What publications and affiliations will you subsribe to every month?
    • Operating expenses. Dig into the nooks and crannies here, and don t forget about marketing .
    • Legal fees. Are you consulting a lawyer throughout your business-development process?
    • Employees and contractors. If you can t do it alone, you ll need people on your payroll.

    With that said, you have two main paths of starting a business with less money: lowering your costs or increasing your available capital from outside sources. You have three options here:

    Option one: Reduce your needs

    Your first option is to change your business model to demand fewer needs as listed above. For example, if you were planning on starting a company of personal trainers, you could reduce your employee expenses by being the sole employee at the start. Unless you need office space, you can work from home. You can even do your homework to find cheaper sources of supplies, or cut out entire product lines that are too expensive to produce at the outset.

    There are a few expenses that you won t be able to avoid, however. Licensing and legal fees will set you back even if you cut back on everything else. According to the SBA, many microbusinesses get started on less than $3,000. and home-based franchises can be started for as little as $1,000.

    Option two: Bootstrap

    Your second option invokes the idea of a warmup period for your business. Instead of going straight into full-fledged business mode, you ll start with just the basics. You might launch a blog and one niche service, reducing your scope, your audience and your profit, in order to get a head-start. If you can start as a self-employed individual, you ll avoid some of the biggest initial costs (and enjoy a simpler tax situation, too ).

    Once you start realizing some revenue, you can invest in yourself, and build the business you imagined piece by piece, rather than all at once.

    Option three: Outsource

    Your third option is all about getting funding from outside sources. I ve covered the world of startup funding in a number of different pieces. so I won t get into much detail, but know there are dozens of potential ways to raise capital — even if you don t have much yourself. Here are just a few potential sources for you:

    • Friends and family. Don t rule out the possibility of getting help from friends and family, even if you have to piece the capital together from multiple sources.
    • Angel investors. Angel investors are wealthy individuals who back business ideas early in their generation. They typically invest in exchange for partial ownership of the company, which is a sacrifice worth considering.
    • Venture capitalists. Venture capitalists are like angel investors, but are typically partnerships or organizations and tend to scout businesses that are already in existence.
    • Crowdfunding. It s popular for a reason: with a good idea and enough work, you can attract funding for anything.
    • Government grants and loans. The Small Business Administration (and a number of state and local government agencies) exist solely to help small businesses grow. Many offer loans and grants to help you get started.
    • Bank loans. You can always open a line of credit with the bank if your credit is in good standing.

    With one or more of these three options, you should be able to reduce your personal financial investment to almost nothing. You may have to make some other sacrifices, such as starting small, accommodating partners or taking on debt, but if you believe in your business idea. none of these losses should stand in your way. Capital is a major hurdle to overcome, but make no mistake — it can be overcome.





    Can You Make Money With Vending Machines? #business #emails

    #vending machine business

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    Can You Really Make Money With Vending Machines?

    The ads are alluring: “Make $500 an Hour in the Vending Business!” “Earn Money While You Sleep in a Vending Machine Business!” But they sound way too good to be true. Can vending machines really be a viable way to earn cash?

    The National Automatic Merchandising Association reports that 18 percent of vending-machine operators make between $1 million and $5 million a year. But proceed with caution: The Better Business Bureau warns of scams. and a search of “vending machines” on the Federal Trade Commission’s website unearths dozens of fines and lawsuits.

    Here are a half dozen tips for getting into the vending-machine business safely and profitably.

    1. Decide on the vending machine type. Many vending machines are filled with a selection of drinks and snack foods. Others focus more narrowly on a particular category, such as ice cream, popcorn, cigarettes, videos (think Redbox ), or personal hygiene. Some machines dispense individual units; others offer items in bulk, such as hard candy and gumballs.
    2. Get the proper licenses. In some states you’ll need a seller’s permit to operate vending machines, and many states require you to charge sales tax on the items in the machines. The tax varies by state, as does the minimum price that launches the requirement to collect the tax. Be sure to check with your local licensing office to find about the requirements in your area.
    3. Buy the machines. Decide whether you want to buy new or used machines. Prices can vary wildly: A new machine often runs a few thousand dollars, while used ones go for a few hundred or less on Craigslist. eBay. or Amazon. Keep in mind that all machines eventually break down, so you’ll need to either hire someone to repair them or learn to do so yourself. (Tip: You can buy parts from a manufacturer such as Vendors Exchange International .)
    4. Buy or lease a truck. Depending on how large your operation is, you’ll need a van — or, perhaps, a specialized beverage truck — to carry products from machine to machine. A used truck starts at about $5,500 at places like Specialty Trux. or you can lease a basic truck for about $500 a month.
    5. Find a supplier. You can buy products in bulk at a local big-box store or go online. Check out sites like Candymachines.com for bulk candy, or SmartVending for a full line of supplies. Markups will vary, depending on the product. Bulk items, such as candy and gumballs can be marked up 200 to 300 percent, while single items can typically be marked up between 60 and 100 percent. Of course, the more products you buy, the better price you’ll get, so you may have to settle for lower markups when just starting out in order to be competitive, and then increase them as you add machines.
    6. Secure a location or two. Where you place your vending machines will determine how successful you are. Check out each site before you approach its owner. Look for a place that gets a lot of foot traffic, such as an airport, a parking lot, a shopping mall, a large office building, or a busy waiting room. Once you select a location, approach the owner and work out a deal. Some vending machine operators offer the owner a small percentage of their profits; others donate a portion of sales to charity. NAMA, in its publication Vending 101 [PDF], suggests that you sign a written contract whenever you place a machine.
    7. Service your machines. Once your machines are placed, it will be up to you to keep them clean, well-stocked, and in working order. You may be able to do this by visiting once a week, but if the machine is popular, you may need to turn up more often.

    Of course, all of this isn’t quite as easy as earning money while you sleep. But with careful planning, hard work, and a little luck, you can run a successful vending-machine business.

    Liked this article? We think you will enjoy these recommendations.





    Registered Nurse – Career Rankings, Salary, Reviews and Advice #money, #careers, #salary,


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    Registered Nurse Overview

    Overview

    Florence Nightingale, the pioneer of modern nursing, lived more than a century ago, but her legacy lives on in hospitals, clinics and schools. Nightingale’s concern for patients stretched beyond administering medication to caring for the whole person – physical as well as emotional, intellectual and spiritual. And she backed up her nursing philosophies with research. Today, nursing research is just one of the exciting changes in the field, says Kathy McCauley, associate dean of academic programs at the University of Pennsylvania’s School of Nursing. Increasingly, evidence-based science is confirming the contributions nurses make to patient care.

    So, who are the people making these contributions? A registered nurse is the professional you’ll likely have the most contact with during a hospital stay. They’re responsible for monitoring a patient’s condition, performing medical procedures and administering medicine. They are also responsible for charting a patient’s progress. These professionals work with a range of patients, from those who are healthy (and are proactively trying to stay that way), to those who are pregnant and bringing new life, to those who are nearing the end of life and hoping for a peaceful death. “Nurses have a very holistic view of health and well-being, and I really appreciated that perspective,” Erin Whitehouse, an RN and Ph.D. student at Johns Hopkins School of Nursing, writes in an email. “[They] look at an entire person and their situation, not just what medical concern they have.”

    Many nurses also specialize and work with patients who have a certain health condition like cancer or diabetes. They can also specialize by body part. For instance, there are dermatology nurses and cardiovascular nurses, among others. RNs can also specialize by people group (like newborn babies) or by environment (like a school or hospital emergency room).

    Registered nurses will be in high demand in the next decade. The Bureau of Labor Statistics expects the profession to grow 16 percent by 2024, opening up 439,300 new jobs.

    Quick Stats

    $67,490 Median Salary

    1.5% Unemployment Rate

    439300 Number of Jobs

    Rankings

    Registered Nurses rank #17 in Best Health Care Jobs. Jobs are ranked according to their ability to offer an elusive mix of factors. Read more about how we rank the best jobs.

    Registered Nurses are ranked:


    Money Market Account, Republic Bank, money market rates florida.#Money #market #rates #florida


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    Savings & Investing

    Money market rates florida

    Don’t have time to make it to the bank? Deposit checks with your mobile device.

    Popmoney

    Money market rates florida

    Send money just as easily as sending an email.

    Purchase Rewards

    Money market rates florida

    Get cash back when using your Republic Bank CheckCard and reward yourself every time you shop.

    Mobile Banking

    Money market rates florida

    Access and manage your accounts quickly and securely from your mobile device.

    FinanceWorks

    Money market rates florida

    Track your spending habits, set goals and stay on budget

    Money Market Account

    Florida Content

    A tiered rate savings account with unlimited deposits and limited withdrawals.

    • $1,000 minimum opening deposit or establish direct deposit
    • Keep a $1,000 minimum balance each month and avoid a $10 monthly fee
    • Unlimited deposits
    • Unlimited withdrawals in person at a banking center, or an ATM, or an ITM
    • Limit of 6 ACH automatic payment, POS transaction, telephone, or Internet withdrawals or check withdrawals or transfers per statement cycle ($20 each thereafter)

    Rates are subject to change. These rates are as of MM/DD/YYYY . Fees may reduce earnings.

    * Annual Percentage Yield

    This account and the stated rates are only available to Florida residents of Hillsborough, Pasco and Pinellas County.

    Kentucky/Indiana Content

    A tiered rate savings account with unlimited deposits and limited withdrawals.

    • $1,000 minimum opening deposit or establish direct deposit
    • Keep a $1,000 minimum balance each month and avoid a $10 monthly fee
    • Unlimited deposits
    • Unlimited withdrawals in person at a banking center, or an ATM, or an ITM
    • Limit of 6 ACH automatic payment, POS transaction, telephone, or Internet withdrawals or check withdrawals or transfers per statement cycle ($20 each thereafter)

    Rates are subject to change. These rates are as of MM/DD/YYYY . Fees may reduce earnings.


    Money Market ETFs In Europe, etf money market.#Etf #money #market


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    Money Market ETFs In Europe

    Etf money market

    With the number of bank failures increasing, this investment vehicle looks well-positioned.

    While overall European ETF assets under management (AUM) have stagnated this year as a result of equity market drops, certain areas have continued to grow rapidly. Commodities, for instance, is one such area, driven by the continued bull market in that space. But the fixed-income sector has also grown sharply in terms of AUM, as showcased in the chart below.

    European Fixed-Income AUM Growth

    Etf money market

    Two ETFs top the European fixed-income charts, in terms of both AUM and secondary market trading volume. Interestingly, both of them are short-term money market style funds-Deutsche Bank’s db x-trackers Eonia Total Return Index ETF (Milan: XEON.MI), with 3.2 billion euros invested, and the Lyxor ETF Euro Cash EuroMTS Eonia (Paris: CSH.PA), with just under 2.0 billion euros invested.

    The Deutsche Bank fund is domiciled in Luxembourg with listings in Germany, France and Italy. The Lyxor fund is domiciled and listed in France, with secondary listings in Germany, Italy and Spain. Both ETFs are offered at a 15 basis points annual fee.

    The Eonia Euro money market rate tracked by the funds is calculated as the weighted average of all unsecured overnight lending transactions in the interbank market, compiled from a contributing panel of Eurozone banks.

    Deutsche Bank also offers similar funds linked to sterling and U.S. dollar money market rates.

    The number of ETF providers in the money market sector has recently increased to three, with the EasyETF launch of its own versions of Eonia and dollar (Fed funds rate) ETFs.

    So far, the euro rate trackers have attracted much more interest than the sterling or dollar versions, mainly because they were launched earlier and because of the euro’s strength. The increase in competing institutional money market products in the UK for sterling has made it more difficult for the products to grow there as well. In addition, low U.S. interest rates and the weak dollar have reduced demand for dollar cash products.

    According to Marco Montanari, head of Fixed Income ETF Structuring at Deutsche Bank, the success of these money market ETFs in Europe is driven by three factors. The first is their transparency-with the overnight deposit indexes accruing interest daily, investors can see clearly how much they are earning. The second factor is the ETFs’ relative safety, when compared to a certificate or deposit. And finally, the ETFs are very low cost.

    Up to now, said Montanari, most investors in these ETFs have come from the institutional sector and are typically banks, insurance companies and funds of funds. For Deutsche Bank, most investors have come from Germany and Italy, but also from France, Switzerland, Spain and throughout the Eurozone. Montanari added that he thinks retail interest should pick up as well, since these ETFs enable smaller investor to access money market cash rates in the same way as institutions, basically for the first time.

    I am good example of this here. On a personal note, my SIPP (self-invested pension plan) in the UK, which holds ETFs, earns interest from the plan provider on any surplus cash holdings at around 1-1.5% below official rates. So this kind of fund offers an obvious way to improve on returns.

    There are also some tax advantages for certain European investors when holding money market ETFs. To give two examples, Italian investors pay a 27% tax rate on deposits, but only 12.5% on funds, and so are attracted to the Eonia ETFs. In the UK, where db x-trackers offer a sterling money market ETF, its status as a fund allows an investor to allocate the full ISA (tax-sheltered) allowance of £7,200 per tax year, whereas ISAs investing in cash deposits directly are capped at £3,600 per tax year.

    How do the Eonia and other money market ETFs achieve their objective? Through swaps.

    Rather than investing directly in the overnight interbank deposit markets, an investor’s money is used to buy a portfolio of assets. (In Lyxor’s case, this portfolio is specified in the prospectus as equities; in db x-trackers’ case, it is simply defined as “transferable securities.”) Using these securities as collateral, the fund enters into a total return swap with a market counterparty (presumably the parent bank in each case), delivering to the bank the return on the underlying securities in exchange for an interest cash payment tied to overnight cash rates.

    The collateral held must be diversified according to UCITS rules, which specify that no single issuer’s securities may exceed 10% of the fund’s value, and that the value of securities in issuers which individually constitute more than 5% of the fund may not exceed 40% in total (the “5/10/40 rule”). There are some additional higher limits for EU government-backed securities and covered bonds, but we won’t go into those here.

    If this seems a bit technical, it is one of the core elements of the UCITS regime, and it gives a clue as to why these money market ETFs have grown so much over the last year. With the intensification of the credit crunch and the rapid loss of faith in the safety of some financial institutions, counterparty risk is at the forefront of investors’ concerns. Add to that the discrediting of the agency ratings system over the past few years-which failed to warn investors of the risks in many structured finance securities-and you have a strong market for a search for even safer places to park your cash. The cash ETFs offer inherent diversification and so are seen as a safer bet than direct, unsecured loans to banks in the money markets, let alone structured finance instruments that may have been given an AAA rating a year ago but are now worth far less than face value, and may well be unsellable in any case. While credit market problems continue, demand for these ETFs is likely to increase.

    It is worth pointing out that, while counterparty risk is reduced by investing via an ETF, it is not eliminated. The db x-trackers structure takes, in my view, the preferable approach, seeking to minimise the OTC counterparty risk by collateralising the swap daily and/or by resetting the swap if the mark-to-market value becomes too high. The Lyxor ETF has a looser limit-merely capping the swap counterparty exposure at 10%, which in any case would be the limit under UCITS. I haven’t been able to confirm how the recently launched EasyETF funds operate in this regard.

    Will money market ETFs continue to grow? Clearly their further success will depend on the level of interest rates in each currency zone, both relative to inflation and relative to longer-term bond yields. If the European Central bank were to reverse its current relatively tough stance and cut rates to below the inflation rate-as the Fed has done-many investors would no doubt cash in and leave. Also, there is increasing competition from deposit rates, with some banks paying interest at well above the market rate to attract funds. Here, investors will have to weigh the potential of earning some extra return against the increased counterparty and liquidity risk of deposits, when compared to the ETFs’ inbuilt diversification and ease of trading. With bank failures on the increase, money market ETFs look well-positioned.


    Best Investment Options – Making money by creating a website #business #coaching

    #small scale business

    #

    Making money by creating a website/blog

    Overview
    Creating a website for selling products and services is one of the best ways of making money. However to create a website or blog, it may take lot of time and energy. On top of this, we need to spend lot of money.

    There are various ways for which a website is created
    Website for selling products and services
    Website for sharing the hobbies and providing services
    Website for company information / product information purpose

    How to create a website
    There are two parts here.
    1) Registration of a domain name (the name of the website which people would type the address and browse) and
    2) Hosting the website (running the website from a server).
    3) Designing the website

    Domain Name registration. There are lots of websites which offer domain name registrations which start from USD 2 / Rs.100 per year

    Hosting. Website can be done with any of the hosting companies. The charges would be USD 100 / Rs.5,500 per annum. There are various players like Godaddy.com, Rock.in etc.

    Designing the website: There are various design templates which available with low costs. There are free templates available which has certain limitations.
    Content of the website: This is a major step where the success of the website depends. Selection of popular topics would enable users interest.

    Creating traffic for the website
    Another key step in this process is to create traffic for the website. Unless there is enough traffic generated, there is no way we can earn money. There are various ways on how you can generate traffic for your website.
    1) Build your website SOE based (Search engine optimization based). The major traffic generated through search engines like Google, yahoo are the true traffic which comes to your website. Hence SOE optimized website would generate more traffic
    2) Creating traffic by advertising on various websites which is termed as Paid traffic
    3) Ask someone to work as affiliate marketing for your website. They would generate the traffic for your website

    7 ways to make money out of your website
    1) Pay per click (PPC) You can sign-up for Google ad sense to earn the revenue. Once you sign-up, Google will provide necessary code which you need to put in on your website and the Google Ads appear in your site. Any of your user / subscribe who visits your website, clicks on the Google Ads, then you would get paid.
    2) Cost per impression (CPI) The Ad banner can be charged based on 1000 impressions. Based on the CPI the ad banner charges would apply starting from USD 0.25 to USD 50.
    3) Direct banner advertisement: One can directly go to the customers and do the banner advertisement. However, this method takes time and manpower effort.
    4) One can make money through website by e-books selling. Good e-books selection is the key to be success.
    5) Affiliate marketing. One can work as affiliate marketing and make money. Recommend the third party products and make the money
    6) Text links. One can money by adding text links to the website content and when one clicks on these text links, these would direct to the customer website
    7) Writing articles/review. Articles can be written for a specific product / customer and in turn customer pays the money

    Conclusion:
    1) To create website, you need to have domain name+Hosting to be done. The costing would be approx USD 100 / Rs.5,500 per year.
    2) Create your website with necessary steps so that traffic is generated. You can try paid methods to generate initial traffic
    3) Consider various ways to see how you can earn money through your website. There are many people who generate extra income of USD 1000 / Rs.55,000 on an average per month. This is not the least, it is a minimum amount which people are earning.

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    Person Behind this blog

    Suresh KP i.e. me, have written 1000+ articles on this website. I love doing analysis on various Best Investment Plans like mutual funds, Stocks, IPO’s, Bonds, Insurance products. You can share on FB or Twitter, if you love this blog. This is the BIGGEST gift which you would be giving to me and to this blog.

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    Money Saving Expert: Credit Cards, Shopping, Bank Charges, Cheap Flights and more

    #cottage industry ideas

    #

    Or try one of the following links.

    Important! How this site works

    We think it’s important you understand the strengths and limitations of the site. We’re a journalistic website and aim to provide the best MoneySaving guides, tips, tools and techniques, but can’t guarantee to be perfect, so do note you use the information at your own risk and we can’t accept liability if things go wrong.

    • This info does not constitute financial advice, always do your own research on top to ensure it’s right for your specific circumstances and remember we focus on rates not service.
    • We don’t as a general policy investigate the solvency of companies mentioned (how likely they are to go bust), but there is a risk any company can struggle and it’s rarely made public until it’s too late (see the section 75 guide for protection tips).
    • We often link to other websites, but we can’t be responsible for their content.
    • Always remember anyone can post on the MSE forums, so it can be very different from our opinion.

    MoneySavingExpert.com is part of the MoneySupermarket Group, but is entirely editorially independent. Its stance of putting consumers first is protected and enshrined in the legally-binding MSE Editorial Code.

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    The 5 Best Business Rewards Credit Cards #personal #finance,money,credit #cards,picks,ltmoney,daniel #bortz,small #business,daniel


    #

    The 5 Best Business Rewards Credit Cards

    Looking for a way to cut costs for your small business? Opting for a business rewards credit card could be a good solution.

    In addition to earning rewards for everyday business expenses like travel, gas, and office supplies, business credit cards come with expense-tracking tools that make it easier to keep tabs on your company’s finances.

    About 37 percent of business owners are using credit to cover some of their costs, reports the National Small Business Association. As of August 1, the average interest rate on a business rewards credit card was 15.74 percent, slightly lower than the average consumer rewards credit card rate of 17.64 percent. However, if you’re planning to get a business rewards credit card. be aware that these cards aren’t covered by the Credit CARD Act of 2009, which protects consumers from arbitrary rate increases.

    That isn’t a concern if you won’t be carrying a balance from month to month, says Beverly Harzog, an independent credit-card expert and consumer advocate. Since interest rates can fluctuate substantially on these cards, you should probably only get one if you can pay off the balance each month.

    Also keep in mind that the credit card company will look at your personal credit score when you apply for the card. “If your FICO score is not in the 700s, you might not get the lowest rate offered,” says Gerri Detweiler, director of consumer education at Credit.com.

    Competition for these cards has slightly declined, says Anisha Sekar, vice president of credit and debit products at NerdWallet. a credit card comparison site. “I think vendors are pulling back in the small-business realm. They aren’t working as hard to court small businesses these days,” she says. “It’s not exactly an ideal climate to snag that amazing sign-up bonus.”

    With that in mind, make sure you choose the right business rewards credit card for your company. U.S. News spoke to credit card experts for their recommendations:

    Starwood Preferred Guest Business Credit Card. This card, from American Express, is a good bet if you stay at Starwood hotels, Harzog says. Starwood’s umbrella includes Sheraton, Westin, and St. Regis hotels, among others. You’ll earn four Starpoints for every stay at participating Starwood hotels and resorts, and one point for all other hotels. But the real benefit is the Starpoints you can earn after enrolling: You get 10,000 Starpoints automatically after your first purchase, and you can earn an additional 15,000 Starpoints when you spend $5,000 in the first six months. The card’s $65 annual fee is waived during the first year.

    You’ll also be automatically enrolled in Amex’s OPEN savings program, which gets you discounts of 3 to 10 percent with purchases at businesses like Hertz, FedEx, and OfficeMax.

    Chase Ink Cash Credit Card. Harzog likes this card’s cash-back bonus. You’ll earn $100 cash back after your first purchase, plus an additional $150 cash back after you spend $5,000 in the first three months. As for the rewards, this card is on a tier system, which can make things a little complicated. “Don’t be put off by the fact that it can’t be laid out neatly on one page,” Harzog says. It comes with 5 percent cash back on the first $25,000 spent annually at office-supply stores and on cellular phone. landline, Internet, and cable services. You’ll also get 2 percent cash back on the first $25,000 spent annually at gas stations and restaurants; then it’s 1 percent cash back on all other purchases. The card comes with no annual fee.

    Capital One Spark Cash Credit Card. You’ll get 2 percent cash back on every purchase, which adds up. You can also earn a one-time $100 bonus if you spend $1,000 within the first three months. The card charges a $59 annual fee (waived the first year), but that expense could be worth it, says Brian Kelly, founder of ThePointsGuy.com, a credit card comparison site. “If you’re spending a lot, you make up for the small annual fee by raking in higher rewards,” he says.

    Citi Platinum Select/AAdvantage Card. Experts recommend this card if you frequently fly American Airlines. Currently, the card is offering 50,000 American Airlines AAdvantage miles if you spend $3,000 within the first four months—enough for two domestic round-trip flights. Citi will also reimburse 10 percent of the miles you redeem each year up to 10,000 miles. “That right there pays for the $95 annual fee,” Kelly says. The annual fee is also waived the first year.

    Gold Delta SkyMiles Credit Card. This is one of the best cards for an individual airline, says Detweiler. You and up to eight people can check your first bag for free on any Delta flight. “That alone can save you the price of your $95 annual fee, which is waived the first year,” Detweiler says. You can also earn 30,000 bonus miles if you spend just $500 within the first three months.

    Each rewards card offers incentives for different business expenses, so be sure to pick the best match for your company.


    Startup firm – How to build money fast #getting #a #business #loan

    #business start up

    #

    Startup firm

    Start-Up Companies Logos

    Small Business Startup Loan

    Are you tired working for others after being a successful Architecture.

    See who you know at Start Up IT Firm, leverage your professional network, and get hired.We help to fund great companies, great ideas and great people.

    A small three-person Detroit firm called Dynamo Metrics has.Smith Jones, P.A. Start-up Business Plan 6 Hardware and Software Systems.A start-up business in Brazil is rolling out a network of drop-in siesta.

    Small Business Start UPS

    Business Partnership

    Equilíbrio sustentável: conheça o triângulo da sustentabilidade.

    He currently leads Business Development (BD) for our portfolio.Running your own business is a stressful but good career and life choice.

    10 claves para aprender a vender tu empresa o producto – Marketing.

    I was really excited with our startup because we had a lot of motivation and dedication that would take us to the top.Accounting is a more diverse profession than it is often given credit for, and it can offer both the.

    Startup Business Cycle Graphic

    Issues with the Chalk River facility have caused periodic shortages of Mo-99 over the years, most recently in May 2009, when the reactor was shutdown due to a major.From operating guidance to capital funding to technology assistance, the resources below can help your business start.Evaluate and Develop Your Business Idea: Step: Description: Resources: 1: Determine if the type of business suits you.Read more about Start-up firm Eckovation using AI to make open school platform smarter on Business Standard.Business Startup Advice – Start A Business And Grow It And Still Make Time For Your Family.

    How I Started My Own Law Firm Right After Law School. Branigan.The Prinz Law Office is a Silicon Valley-based IP licensing and technology transactions boutique law firm, which represents entrepreneurs and start-ups across a.If you are an entrepreneur or an existing business owner who is looking to raise startup capital or business funding you have found the right place.Here are some secrets on how to start a business and some tips and advice to help you on your way.Fasken Martineau is a leading international business law and litigation firm with more than 700 lawyers across Canada, Europe and South Africa.Starting a small business is without a doubt a large undertaking, but it is fortunately something that can be attained by anybody with.

    Business Startup Ideas

    Startup Stages Funding

    The start-up firm which wants to put Brazil to sleep. BBC News Services.Listed below are links to basic federal tax information for people who are.

    Starting Business

    Laguna Ventures LLC (LVL) combines creative and strategic chemistries that result in extraordinary business planning.

    Starting a law firm is a difficult venture, especially for contingency fee attorneys.The entrepreneur might have a great idea and clear idea of how to turn it into.

    Creating Image for Business Startup

    This article is constantly updated to reflect new rules and processes of Starting Business in India.

    Startup How to Make Money the Way

    Whether you are starting an online business or a brick-and-mortar model, figuring out how to start a business, at its most basic, means finding a market need and then.

    创业者想要成功,那就选择做“对的”事情,并将.

    START-UP NY offers new and expanding businesses the opportunity to operate tax-free for 10 years on or near eligible university or college.Start the Right New Business for You.

    Startup Company Infographic

    START UP KIT FOR A SMALL LAW PRACTICE Compiled by the Law Practice Management Program and Law Practice Management Committee of the State Bar of Texas.

    Business Start Up Companies

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    How Much Money Do Master Plumbers Make? #how #much #money #do #plumbers


    #

    How Much Money Do Master Plumbers Make?

    Related Articles

    It could be argued that plumbing kick-started the infrastructure and sanitation of civilization as we know it today. The field has come a long way from terra cotta pipes, but plumbers still fulfill a crucial profession. From unclogging a toilet to designing complex pipe plans for new construction projects, the tasks of plumbers of varying expertise keep our clean water flowing in and our wastewater flowing out. One of the highest ranking in the industry is the master plumber.

    Master Plumber Certification

    As in any job, the adage of paying your dues holds true in plumbing. Before you can move up in the ranks — and the pay scale — to master plumber, you must complete a plumbing apprenticeship program through a union or trade school. Requirements vary from state to state, but typically these are four-year programs that include classroom and on-the-job training. The next step is journeyman, and after holding that position for two years or so, depending on state requirements, you can become a master plumber — but not without passing a state-sanctioned exam. Mastering the trade and all of the laws that go along with it pays off.

    Average Wages

    The Bureau of Labor Statistics does not provide specific data on master plumbers, and instead groups data from plumbers, pipefitters and steamfitters. However, the BLS states that apprentices typically make 30 to 50 percent less than a journeyman or master, so this data can serve as a benchmark. In 2010, the DOL reported the average wage for this trio of trades was $22.43 per hour, or $46,660 per year. The top 10 percent earned about $79,000 per year, while the lower 10 percent brought home an annual salary of about $27,000. The average annual salary is higher than for construction trades as a whole, which has an annual average of about $38,000. Time magazine reported, via an interview with a spokesperson for a Cincinnati, Ohio-based plumbing chain, that master plumbers with five to seven years experience can earn upwards of $100,000 per year.

    Workplace Influence

    The type of plumbing work you do and whether or not you own your own business can affect your earnings as a master plumber. According to the Department of Labor, among the highest paid in the industry are union members. In addition, a master plumber can also work as a foreman, a superintendent or a project manager, each earning higher than the previous. The Department of Labor states that 14 percent of plumbers are self-employed, and owning a business can be quite lucrative — especially when providing emergency service around the clock. Finally, plumbers working in more risky conditions are likely to earn more. The top-paying industry for plumbers and pipefitters, according the BLS, is steel manufacturing, and the most jobs are available in building equipment contracting, nonresidential building construction and utility system construction.

    Geographic Influence

    Where you decide to hang your plumber s belt can also affect your salary. The metro areas with the top average annual salaries, reported in 2011 by the BLS, were Vineland-Millville-Bridgeton, N.J. at $84,030; Nassau-Suffolk, N.Y. at $75,990; and San Jose-Sunnyvale-Santa Clara, Calif. at $75,730. The top three paying states the same year were Alaska, Massachusetts and New York.


    Computer Donation #why #donate #money #to #charity


    #

    Computers with Causes
    Welcomes You!

    American Veterans
    Need Your Support

    Donate Surplus Computers
    Bulk Equipment Donation

    Donations

    About Us

    Our charity Computer Donation program participates in a zero-waste recycling program. New and used Computer Donations appreciated. All charity Computer Donations, gadgets and tablet donations are tax deductible and support worthy charitable causes! Feel free to contact us with any questions.

    Our highly effective charitable computer donation program produces a meaningful impact on the quality of life for many throughout the world.

    Why Donate Your Computer?

    Help Others

    One of the greatest reasons to donate to charity is to help the less fortunate. If you have been blessed, making a decision to donate to charity can help you give a little back.

    Make a Difference

    Our main goal is to provide a refurbished computer from one of our many generous donors towards an educational, needy individual, or future learning program.

    Fair Market Tax Deduction

    When you donate computer you will gain certain tax benefits. All of us are looking for ways to pay less money in taxes. We go the extra mile to guarantee a write-off.

    Choose Your State


    I Make Money Online By Telling People How I Make Money Online


    #

    I’ve been blogging for over 7 years and keep getting this question: What are the first steps I should be taking before starting a blog? I’m surprised I get this question so often because I’ve answered it several times throughout my content and guest blogs. However, I can understand why people keep asking me, because, each year, the mechanics behind [ ]

    A few years ago, Ashley Richins was a struggling hairstylist trying to raise two kids as a single mother. Six months ago, she went through my 21 Steps program and became one of MOBE s top affiliates. Not only is she on her way to making multiple six-figure income, but she also earned a brand new Tesla Model X for free [ ]

    On this edition of the Dot Com Lunch, Oscar wishes everyone a happy 4th of July, and I wish everyone a happy Canada Day. Then we looked up what Canada Day is is all about. Turns out it s Canada s birthday. Click Here To Download John Chow s New eBook, The Ultimate Online Profit Model!

    You can buy almost anything online these days, from makeup to musical instruments, record players to real estate. It s easy, simple and convenient. It s also just as easily to buy new and used items from other average, everyday people as it is to buy from bigger box stores and multinational corporations. With so many people buying so many things, there [ ]

    It’s just not good enough to have a good content marketing strategy because with all the competition, you need to find a way to really stand out. Next, with social media marketing growing, bloggers are finding it very easy to get their content in front of people quickly with so much more ease. However, it’s NOT too difficult making the [ ]

    On this episode of Talking with John Chow, I explains some of the perks of MOBE (other than making money). While I do make a lot of money with MOBE (over $200K last month), there are other perks available when you re part of the company. Find out what they are by watching the video below. Want to enjoy some of [ ]

    When I was a kid growing up in the 90s, I wanted to drink Gatorade and wear Nikes because I saw all those commercials on TV with Michael Jordan. Like Mike. I wanted to be like Mike. Celebrity endorsements have been huge for a number of generations and while they may still hold some weight among some circles, the scope [ ]

    Twenty five year old Christian was working as a dishwasher before he discovered internet marketing and my 21 step system. By following the steps, he was able to make $35K in his first three months as an online marketer. I sat down with him in Costa Rica to find out how he did it. Click Here To Download John Chow s [ ]

    With so much competition online, you really have to be good at what you do. However, competition can be a great thing because you can learn a lot by simply following what others have done before you. Keep in mind, some of your competitors have been in business longer than you so they can provide valuable insight into what’s working [ ]

    A lot of people ask me what the Titanium Mastermind is all about. Rather than me explaining it, I decided to let Sally do it. Sally is with me in Costa Rica for Titanium and I figure I ll kill two birds with one stone. Sally will explain what the Titanium Mastermind is and I would enter her video into the [ ]

    Get a glimpse of the Dot Com Lifestyle


    How To Start An Online Business – The Ultimate Guide To Making

    #start online business

    #

    How to start a successful online business

    PASSION IS NOT ENOUGH.

    How do I get started?

    Repeat after me:
    PASSION IS NOT ENOUGH

    Most “experts” teach you that once you find your passion, you’ll magically become wealthy.

    I don’t have to tell you that this plan is missing a few vital steps, such as an actual plan. Before you invest your time and energy creating an online product, ask yourself these questions:

    • How do I know which idea will be most profitable?
    • Will people actually pay?
    • How do I bring in traffic and buyers?
    • What can I do to set my business on autopilot, so it runs on systems instead of on my (limited) time?

    Step 2

    Solve the right problem (it’s probably not what you’d expect)

    I asked readers, “What excites you about starting an online business?” Over 1,000 readers responded with ME-FOCUSED responses about what they wanted from an online business.

    OK, we all want something for our work, whether it’s extra money, more free time, or the ability to be our own boss and give ourselves vacation days when the weather’s nice.

    But what about your customers?

    Nobody will ever give you money to solve your problems. but they’ll love you and happily pay you if you help them solve theirs. And by focusing on them, you’ll immediately stand out in a sea of online businesses that are only looking out for themselves.

    What would happen if you said, “I’m really good at helping my friends with their relationship problems. I don’t want to just help people 1-on-1…I want to help THOUSANDS of people.” Or “I love helping people get in shape. I want to help as many people get fit as possible.”

    It’s a huge psychological shift.

    Once you’ve identified something you believe in, you need to know what idea people will pay for, how much to charge, and how to sell it without being sleazy.

    It starts with figuring out what kind of online business you want.

    Which online business ideas work best?

    When you’re starting an online business, it’s easy to get overwhelmed by tactical minutiae. Should you create software, a physical product, a coaching system, or something else? How do you choose the right software, create your website, figure out drop shipping, and accept payments?

    But when you drop what doesn’t work I spent years figuring this part out you’re left with 6 main options for an online business. I’ve systematically tried them ALL over almost a decade, and I’ll let you know exactly which ones are good and bad.

    Your 6 options for starting an online business are software (including apps), physical products, ads, affiliate marketing, coaching, and online courses. And they aren’t all created equal.

    Coaching is the single-best way to start learning business skills.

    Many people don’t even think they can launch an online business. Then hold themselves back by saying things like, “I’m not an expert at personal finance, finding a dream job, or [fill in the blank].”

    “I don’t know anything people would pay for!”

    Are you sure? Unless you’ve actually tested your idea, the answer is “no.”

    “But Ramit, my idea’s too weird/dumb! Nobody would ever pay to learn about it.”

    I used to think that, too, until I discovered how many other weird people are out there. Here are just 3 profitable courses I’ve seen in the past year:

    • Toilet Trained Cat. Train cats to use the toilet. Revenue from books and courses.
    • Hear and Play. Learn to play piano by ear, without sheet music or years of lessons. Revenue from courses.
    • The Ultimate Disney World Savings Guide. Vacation at Disney World for half price. Revenue from ebooks.

    Do these seem like ideas for normal, successful products? Of course not. These people simply found something they’re good at, then tested the market to see if other people were willing to pay for their knowledge.





    Money and Debt Jokes #money #and #debt #jokes,jokes #about #debt,jokes #about #money,funny


    #

    Money and Debt Jokes

    Here’s a collection of some funny money and debt jokes found online.

    A married couple both lost their jobs at the factory, and were having a hard time finding new jobs. Unfortunately, their mounting credit card debt required some immediate income. The wife suggested that she could whore herself out, but her husband was a little less than thrilled about the prospect. But financial necessities got the best of her, and she went behind her husband’s back to go whoring. She came back one night with a huge wad of cash, and fessed up to her hubby. He was upset, but asked how much she made.
    “$398.10,” she said.
    “Who paid ten cents?” he asked.
    “Everybody.”

    A couple was having a discussion about what to see and do now that they were safely in Florida on their honeymoon. Trying to assert himself rite off the bat, he exploded, “If it weren’t for my money, we wouldn’t be here at all!” The wife replied, “My dear, if it weren’t for your money, there wouldn’t be any “we” in the first place.”

    While attending a convention, three psychiatrists take a walk. “People are always coming to us with their guilt and fears,” one says, “but we have no one to go to with our own problems. ” “Since we’re all professionals,” another suggests, “why don’t we hear each other out right now? “They agreed this is a good idea. The first psychiatrist confesses, “I’m a compulsive shopper and deeply in debt, so I usually overbill my patients as often as I can. ” The second admits, “I have a drug problem that’s out of control, and I frequently pressure my patients into buying illegal drugs for me. ” The third psychiatrist says, “I know it’s wrong, but no matter how hard I try, I just can’t keep a secret. “

    Will Rogers, having paid too much income tax one year, tried in vain to claim a rebate. His numerous letters and queries remained unanswered. Eventually the form for the next year’s return arrived. In the section marked “DEDUCTIONS,” Rogers listed: “Bad debt, US Government — $40,000. “

    A couple of friends meet after a long time:
    “I divorced my wife.” One says.
    “Really? How did you do it?”
    “We hired a lawyer who helped divide the assets and stuff.”
    “What about the kids?”
    “Well. we’ve decided that whoever got more money would also take the kids.”
    “That sounds fair. And who got them?
    “The lawyer.”

    “Mr. Smith, I have reviewed this case very carefully,” the divorce court judge said, “and I’ve decided to give your wife $275 a week.”

    “That’s very nice, your honor,” the husband said. “And every now and then I’ll try to send her a few bucks, myself.”

    “Money is not everything.” But there is VISA & Mastercard.

    A successful man is one who makes more money than his wife can spend.
    A successful woman is one who can find such a man.


    Top 10 Online Business Opportunities to Make Money #business #contract

    #online business opportunities

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    Top 10 Online Business Opportunities to Make Money

    Great ways to increase your income directly from your private computer

    Money makes the web go around. Whether you’re on a mission to find a new source of income or just looking to increase your paycheck with a side gig, the internet can offer a variety of solutions for you to choose from.

    With such a great selection it’s easy to get lost. And although trial and error is a method we usually would recommend, it’s probably not a good idea to invest time and resources on experimentation when something so crucial as your income is at stake.

    The solution? Research, and fortunately for you we can save you time with that. Below is a list of 10 online business opportunities that have a high potential for generating profit. Read through and consider which of these options might work for you.

    1. Teach Online Classes:
    Your expertise and knowledge can be very useful to you when you start your online business. Whether you’re a certified chemistry teacher or a knitting master, you can create an online course and charge students for access to the study material.

    2. Do Affiliate Marketing:
    On the web, affiliate marketers are people who promote various online services and receive a commission for making sales. Many online services have an affiliate program Wix.com has one as well! This type of business is especially worthwhile if you already have a blog or a website set up and can simply start working on promoting your affiliate goods.

    3. Write for Pay:
    If you happen to be a gifted writer, your skills could be valuable to a huge variety of target audiences, from companies that need tech manuals, to college applicants who need help writing their resumes, or small businesses looking for good newsletter content.

    4. Design Wix Websites:
    You have no idea how many times we’ve seen this pattern a person in need of a website creates one using Wix’s web publishing platform, is very pleased with the process and the outcome, publishes the website and then receives offers from friends and acquaintances to design a site for them as well. The idea behind Wix is that everyone can create websites, but not everyone has the time or the will to do it, so why don’t you step in and fill the need? Check out WixEd. our very own online course where Wix users can become certified web designers and start their own business in web design.

    5. Open an Online Consulting Agency:
    Provide professional and specialized observations based on your field of expertise health and wellness, finances, law and more. Here you can choose whether you want to work solely online or combine face-to-face service with your digital one.

    6. Use Your Research Skills:
    The internet created a neverending source of data. Companies searching for business intel, an individual interested in family genealogy or an author in need of background material do not always have the ability to search this vast pool of knowledge with a fine-tooth comb. In these examples and others, they would prefer to hire someone to perform online research. Might that someone be yourself?

    7. Get with the Retail Program:
    With online sales continuously on the rise, selling products to web shoppers is definitely a worthwhile path to follow for business purposes. Using Wix to create your own online store. you can set up a retail business with minimum effort and costs. We even have a guide that can help you choose the best products for your online store.

    8. Offer Text Editing Translation Services:
    It’s the most straightforward process you can imagine. A customer sends you a text for proofreading, literary editing or translation purposes, you do your work and send them a document back. This kind of hassle-free operation will leave you plenty of time to focus on promoting your service.

    9. Become a Social Media Marketer:
    Small business brands and professional freelancers often require help with promoting their work on social media platforms. You can train yourself to understand the fine art of social media marketing and offer to either take over their social marketing efforts or to provide consulting services on the matter. The Wix Blog will provide you with an abundance of reading material on how to market on social media .

    10. Create Custom-Made Art or Music:
    If you want to support yourself as an independent artist without having to take on an office job or wait tables, why don’t you use your talent to make extra money? You can offer people from all over the world the option to commission illustrations, caricatures, sculptures, video art, designed candles, custom-ordered songs or anything that your creative force is able to produce.

    Other Cool Stuff





    Federal Tax Credits For Solar Energy Systems #solar #energy #tax #credits, #solar


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    Federal Tax Credits: Solar Energy Systems

    Solar Water Heaters

    Solar water heaters come in a wide variety of designs, all including a collector and storage tank, and all using the sun’s thermal energy to heat water. Solar water heaters are typically described according to the type of collector and the circulation system.

    At least half of the energy generated by the “qualifying property” must come from the sun. The system must be certified by the Solar Rating and Certification Corporation (SRCC) or a comparable entity endorsed by the government of the state in which the property is installed.

    Note: The credit is not available for expenses for swimming pools or hot tubs. The water must be used in the dwelling.

    Photovoltaic systems must provide electricity for the residence, and must meet applicable fire and electical code requirements.

    Tax Credit includes installation costs.

    Solar Panels (Photovoltaic Systems)

    Solar Panels or Photovoltaic Systems are solar cells that capture light energy from the sun and convert it directly into electricity.

    Requirements
    Photovoltaic systems must provide electricity for the residence, and must meet applicable fire and electrical code requirements.


    How to Talk About Money in Your Family Business – Family Business

    #family business

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    How to Talk About Money in Your Family Business

    “Chains of habit are too light to be felt – until they are too heavy to be broken.” – Warren Buffett

    Talking about money within the family business can be uncomfortable and awkward. What’s worse is that everyone knows about it; financial questions and concerns can be at the forefront of everyone’s mind. Few habits are so critical and yet translate so directly to the success of your family business. David Harland. Managing Director of FINH

    It is up to the family business leaders to engage their family in these conversations, and to do so with honesty and directly. The early rounds might be difficult, but the end result is a better work environment and easier conversations about other complex issues (such as remuneration or financial agreements). Start early so that you can establish a precedent, make clear the expectations, and deal fairly with others.

    Begin with a trusted family advisor – someone to help facilitate difficult conversations – who can project an image of fairness, conscientiousness, and experience.

    We often feel that our loved ones know us so well that we don’t have to voice concerns or bring in a third party. It’s the role of the business leader to let go of these assumptions and find a real solution. Communication needs to be clear and open, and this is best when the conversation includes an element of impartiality and specialized knowledge.

    It’s unfortunate that so many family businesses start out with an informal management structure and don’t have specific practices and policies for family members. Instead, the structure of the family business is often made up as it goes, which can create an impediment to honest communication later on.

    Topics of Conversation Between Members of the Family Business

    The family conversation should have goals and should be prepared for, just like any meeting with a non-family business partnerThat also includes having a formal agenda. It’s common to have three levels of interest at play: business issues, family issues, and ownership.

    So what you should talk about? Start with family’s history, legacy, and values. The younger a member of the family is introduced to this message, the better. I recommend placing extra emphasis on a multigenerational approach to human capital appreciation.

    Chances are that your family has a mix of dominant thinkers and dominant feelers. The thinkers might be more open to the practical realities of business success. Feelers will appreciate the sense of togetherness, shared accomplishment, and appreciation among members of the group. Guide the topics of conversations into those areas where you’re most likely to get buy-in from individual members; other issues can be dealt with more easily afterwards.

    Emotion Will Be Part Of It; Deal With Emotion Early

    “Select your words carefully. Spoken words may have positive or negative effects, depending on the manner and timing of your speech.” Abdurrahman Bagdadizade Paksoy to his sons, addressing how the Paksoy family was shut out of its own business in 1956

    Every business requires emotional decisions and every family brings emotionally charged relationships. These two don’t always mix nicely.

    Emotion is a real dynamic that isn’t going away, but it can be dealt with effectively and even harnessed to create a positive dialogue. Use family councils to address family matters. Even if your family members share the same values, they may not share the same vision. If your family runs the risk of starting new battles every time an old one is closed, it’s best to start with outside facilitation early on and stick with it through to the end.

    Create a sense of family unity with family stories. Make sure that younger generations can connect to the trials, successes, and anecdotes of the past. Let them speak and take care to actually listen. If less experienced members of the family are eager to bring a “fresh perspective” or innovative new ideas, this is the forum where they get their chance.

    Tell a cautionary tale about past business episodes – especially if it has a personal impact. Not only will this help synergize the emotion in the room, but it will help emphasise the importance of properly addressed financial agreements. Just try not to get side-tracked in story land; it’s up to the business leaders to maintain focus on the long-term goal of multi-generational capital accumulation.

    Always remember that money is a sensitive issue for many people. You’re likely to run into topics like fairness and competitiveness. These are important, but ultimately dangerous if mishandled because they can re-open old wounds or divert the conversation. Have a plan in place to stay on target.

    There’s never a perfect time to talk about family business issues, with one exception: earlier is better. The sooner these conversations start happening, the sooner your family business can develop the type of effective communication that will stand the test of time.

    For Advice on communicating about finance in your family business please call FINH 07 3229 7333





    Money Saving Expert: Credit Cards, Shopping, Bank Charges, Cheap Flights and more

    #cottage industry ideas

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    Or try one of the following links.

    Important! How this site works

    We think it’s important you understand the strengths and limitations of the site. We’re a journalistic website and aim to provide the best MoneySaving guides, tips, tools and techniques, but can’t guarantee to be perfect, so do note you use the information at your own risk and we can’t accept liability if things go wrong.

    • This info does not constitute financial advice, always do your own research on top to ensure it’s right for your specific circumstances and remember we focus on rates not service.
    • We don’t as a general policy investigate the solvency of companies mentioned (how likely they are to go bust), but there is a risk any company can struggle and it’s rarely made public until it’s too late (see the section 75 guide for protection tips).
    • We often link to other websites, but we can’t be responsible for their content.
    • Always remember anyone can post on the MSE forums, so it can be very different from our opinion.

    MoneySavingExpert.com is part of the MoneySupermarket Group, but is entirely editorially independent. Its stance of putting consumers first is protected and enshrined in the legally-binding MSE Editorial Code.

    More tools from MoneySavingExpert

    Budget Planner

    Free tool to analyse your finances and scrutinise spending.





    How To Start An Online Business – The Ultimate Guide To Making

    #start online business

    #

    How to start a successful online business

    PASSION IS NOT ENOUGH.

    How do I get started?

    Repeat after me:
    PASSION IS NOT ENOUGH

    Most “experts” teach you that once you find your passion, you’ll magically become wealthy.

    I don’t have to tell you that this plan is missing a few vital steps, such as an actual plan. Before you invest your time and energy creating an online product, ask yourself these questions:

    • How do I know which idea will be most profitable?
    • Will people actually pay?
    • How do I bring in traffic and buyers?
    • What can I do to set my business on autopilot, so it runs on systems instead of on my (limited) time?

    Step 2

    Solve the right problem (it’s probably not what you’d expect)

    I asked readers, “What excites you about starting an online business?” Over 1,000 readers responded with ME-FOCUSED responses about what they wanted from an online business.

    OK, we all want something for our work, whether it’s extra money, more free time, or the ability to be our own boss and give ourselves vacation days when the weather’s nice.

    But what about your customers?

    Nobody will ever give you money to solve your problems. but they’ll love you and happily pay you if you help them solve theirs. And by focusing on them, you’ll immediately stand out in a sea of online businesses that are only looking out for themselves.

    What would happen if you said, “I’m really good at helping my friends with their relationship problems. I don’t want to just help people 1-on-1…I want to help THOUSANDS of people.” Or “I love helping people get in shape. I want to help as many people get fit as possible.”

    It’s a huge psychological shift.

    Once you’ve identified something you believe in, you need to know what idea people will pay for, how much to charge, and how to sell it without being sleazy.

    It starts with figuring out what kind of online business you want.

    Which online business ideas work best?

    When you’re starting an online business, it’s easy to get overwhelmed by tactical minutiae. Should you create software, a physical product, a coaching system, or something else? How do you choose the right software, create your website, figure out drop shipping, and accept payments?

    But when you drop what doesn’t work I spent years figuring this part out you’re left with 6 main options for an online business. I’ve systematically tried them ALL over almost a decade, and I’ll let you know exactly which ones are good and bad.

    Your 6 options for starting an online business are software (including apps), physical products, ads, affiliate marketing, coaching, and online courses. And they aren’t all created equal.

    Coaching is the single-best way to start learning business skills.

    Many people don’t even think they can launch an online business. Then hold themselves back by saying things like, “I’m not an expert at personal finance, finding a dream job, or [fill in the blank].”

    “I don’t know anything people would pay for!”

    Are you sure? Unless you’ve actually tested your idea, the answer is “no.”

    “But Ramit, my idea’s too weird/dumb! Nobody would ever pay to learn about it.”

    I used to think that, too, until I discovered how many other weird people are out there. Here are just 3 profitable courses I’ve seen in the past year:

    • Toilet Trained Cat. Train cats to use the toilet. Revenue from books and courses.
    • Hear and Play. Learn to play piano by ear, without sheet music or years of lessons. Revenue from courses.
    • The Ultimate Disney World Savings Guide. Vacation at Disney World for half price. Revenue from ebooks.

    Do these seem like ideas for normal, successful products? Of course not. These people simply found something they’re good at, then tested the market to see if other people were willing to pay for their knowledge.





    Travel insurance: pick your way to the best policy #travel #insurance,insurance,consumer #affairs,family


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    Travel insurance: pick your way to the best policy

    Travel insurance: pick your way to the best policy

    Monday 9 June 2014 07.00 BST

    Y ou’ve booked the holiday, updated your summer wardrobe and checked the neighbours will water the plants. But have you bought travel insurance? If you are one of the millions turning to price-comparison sites to search for a policy the choice can seem baffling.

    Cash logged into Moneysupermarket.com to search for a Europe-only annual policy to cover two adults and two children under 16. It offered 94 policies from just £22.80. The same search on Gocompare.com returned 95, from £24.64. The startlingly low prices are thanks to intense competition among an expanding list of providers.

    However, table-topping names were mostly unrecognisable. We scrolled past a dozen or so before coming across a well-known brand. So how do you know you are buying from a reputable company?

    Large insurers tend to trade under a range of different names, and an unknown brand could actually be backed by a company you have heard of. For example, Travelinsurance.co.uk is a trading name of InsureandGo, which is part of massive Spanish insurer Mapfre. You can check the “about us” section of a provider’s website to see who they are. “Picking one that is part of a big insurer should give you peace of mind,” says Malcolm Tarling of the Association of British Insurers.

    There is a handful of standalone players, including Explorer Travel Insurance. Traveltime, Starttravel.co.uk, Planet Earth and goPanda. “In this case check who underwrites the policy – this is the company paying in the event of a claim,” says Tarling.

    If you are buying through a comparison site, the brands are authorised and regulated by the Financial Conduct Authority and you are covered by the Financial Services Compensation Scheme (FSCS).

    In the unfortunate event you pick a small brand and it goes bust, the scheme will step in. “We may first try to transfer the policy to another insurer,” says a spokesman. “If there is a claim already in process, we may be able to offer compensation, but this would be on a case-by-case basis.”

    Whether a provider pays out is what consumers really want to know. The Financial Ombudsman Service received, on average, 43 complaints a week in the year to April 2014, ruling in favour of the consumer in more than half the cases.

    One of the most common reasons for a claim being rejected is when an insurer relies on a particularly restrictive or onerous term in the contract.

    A spokesman for the ombudsman says: “Should the worst happen, keep a note of any correspondence. Keep electronic copies of your policy saved to your email account so the documents can be accessed wherever you are in the world. Taking pictures of an incident is another great way to record what’s happened.”

    Complaint disputes make it important to consider how companies deal with customers. Look for 24-hour helplines, and check online forums to see if there are any comments about a brand.

    Gocompare.com offers star ratings beside policies from independent financial researcher Defaqto. Some of the cheapest are only awarded one star out of a possible five. Consumer ratings are also a useful way of understanding which companies look after their customers. Of 20 travel insurers listed by consumer group Which? it only recommends Saga and Marks Spencer Bank based on customer feedback.

    Fairer Finance, a service set up to help consumers choose the best financial products, ranks insurers based on what customers think of the brand, how good they are at handling complaints, and how transparent they are. The best score highly across all of these areas.

    Among travel insurers LV=, First Direct, Tesco, Amex, M S and Saga are gold-rated, while Aviva, HSBC, Staysure and the AA are silver-rated.

    “It’s worth going to a comparison site first to see what the cheapest available policies are – but if you don’t see any of these brands it could be worth going to them directly,” says James Daley, founder of Fairer Finance.

    Before any search make a list of what cover you need in a policy, says Tarling. If you are unsure if the policy will pay out for your needs, you could also call a broker. A list of these is available at biba.org.uk. They can advise you of the right policy for your requirements.

    Graeme Trudgill, executive director of the British Insurance Brokers’ Association, says: “Numerous brands listed on comparison sites are actually brokers. You could give them a call to check the policy definitely covers your needs – they will have different types and strip down the cover to get a competitive quote.”

    Here are some relatively unknown insurers that may crop up: ■ Staysure: This is a specialist insurance broker for the over-50s known for being prepared to cover holidaymakers with cancer or other serious pre-existing medical conditions. Staysure has above average happiness and trust scores from customers on Fairer Finance – in spite of having the longest policy document of all travel insurers (at almost 38,000 words).

    BigBlue Cover: Listed by Which? as offering attractive rates with a good level of cover for singles, family and couples. It is part of the larger Rock Insurance Group.

    TopDog Insurance: Surprisingly, it isn’t a pet insurer. Cover is underwritten by Mapfre, which has a below average record on complaints handling, says Fairer Finance. In the last six months of 2013, the Financial Ombudsman received 310 complaints about Mapfre compared to 115 for Saga. Its policy documents are among the longest – at a little over 25,000 words.

    Explorer Travel Insurance: It specialises in insurance cover for over 65s. It is listed by Which? as providing among the best value European single trip policies for those over 80 with a good level of cover.


    Online Course: Hotel Management 101 – CEU Certificate #online #hospitality #management #certificate,


    #

    Hotel Management 101

    Course Description

    Hotel Management will provide a realistic look at every major portion of the hotel business which will help anyone planning or currently pursuing one of the many different career opportunities available in this burgeoning and dynamic industry.

    A great hotel manager leads by example. Like any business intent on survival and success, the hospitality industry requires insight into the financial aspect of every facet and every detail. Hotel Management is a course for those who wish to enjoy both personal and professional success in the hospitality industry; and need to have a more than casual understanding of the business and financial operations of the industry.

    Hotels and motels are not only places where a guest can obtain tasty food and comfortable lodging, they are an integral part of community life, with facilities for meetings, entertainment, and personal services. The career choices for a person seeking a job in the hospitality industry are vast: guest service manager, head chef, front office clerk, security officer, banquet manager, bookkeeper, concierge and many more opportunities that can be personally satisfying and financially rewarding. Renewed business travel, and domestic and foreign tourism will boost employment growth of lodging managers in full-service hotels.

    Additional demands for managers are expected in suite hotels. Business customers are willing to pay more for rooms with kitchens and suites that are spacious enough to conduct small meetings in. Other trainee and managerial opportunities will be available in large full-service hotels offering restaurants, fitness centers, ample meeting rooms and play areas for children, among other amenities.

    The hospitality industry offers today’s young men and women an interesting and exciting career. Management of a hotel or restaurant calls for a wide range of capabilities. For those wishing a rewarding and challenging life of service to others, a future in the hospitality field should be seriously considered.

    Lesson 1: History and Profile of the Hospitality Industry

    This lesson describes the evolution of the hotel, the different types, and the managerial aspects.

  • Lesson 2: Setting Goals and Objectives

    This lesson describes a manager’s duties, job opportunities, and educational programs and financial aid available.

  • Lesson 3: Managing People

    This lesson describes the different job positions in the hotel, managerial duties, and sales and marketing techniques.

  • Lesson 4: Invest Time In Your Personnel

    This lesson discusses interviewing, training, and motivational aspects when hiring employees.

  • Lesson 5: The Reservation Experience

    This lesson covers reservations, customer special requests, travel agencies, and cancellations.

  • Lesson 6: Guest Accounting Practices

    This lesson describes the different methods of payment, credit limits, and the special needs of a casino hotel.

  • Lesson 7: Managing Guest Services

    This lesson addresses guest amenities, room rates, and preventing problems.

  • Lesson 8: Food and Beverage Management

    This lesson covers everything from planning menus and cooks to meeting and convention planning.

  • Lesson 9: Hotel Environment

    This lesson deals with staff issues and hotel security.

  • Lesson 10: How Outstanding Managers Beat Work Overload

    This lesson explains how to separate work from home life, and which area you would be most comfortable in the hotel management.

  • Additional Course Information

    • Document Your Lifelong Learning Achievements
    • Earn an Official Certificate Documenting Course Hours and CEUs
    • Verify Your Certificate with a Unique Serial Number Online
    • View and Share Your Certificate Online or Download/Print as PDF
    • Display Your Certificate on Your Resume and Promote Your Achievements Using Social Media

    Course Title: Hotel Management 101

    Course Number: 33024

    Languages: English – United States, Canada and other English speaking countries

    By successfully completing this course, students will be able to:

    • Describe the history and profile of the hospitality industry.
    • Know setting goals and objectives.
    • Describe managing people.
    • Know the reservation experience.
    • Know guest accounting practices.
    • Describe managing guest services.
    • Describe food and beverage management.
    • Describe the hotel environment.
    • Describe how outstanding managers beat work overload, and
    • Demonstrate mastery of lesson content at levels of 70% or higher.

    Student Testimonials

    • “I have nothing to say about only that it was good.” — Dorothy G.
    • “A good source of information for a long term employee or for a new trainee.” — Magaly D.
    • “Thanks for your help! It was a great experience.” — Melissa M.
    • “All, even though it was challenging, but I needed to experience that. Thank you so much for being my instructor it was great working with you.” — Nontokozo G.

    Related Courses