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3 Essential Tools for Starting and Maintaining a Small Business February 28, 2007

Posted by mrlee1 in Uncategorized.
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3 Essential Tools for Starting and Maintaining a Small Business
by: mrlee
We believe that there are 3 factors that drive the success of small businesses.
1) Acquiring start-up capital
2) Finding customers
3) Accounting for, budgeting and controlling sales and expenses

The following resources will help your small business achieve these success factors.

Acquiring Start-Up Capital
An adequate supply of capital is essential as many profitable businesses fail because they don’t have enough cash to pay their employees and suppliers. But what is an adequate supply of capital? The only way to tell is by doing a significant amount of research on your potential market and formally documenting this in a business plan. I’m sure you know that a business plan is a very important document that is crucial to convincing your banker to lend you money.
There are two ways to obtain a business plan.
1) Do it yourself by amending a business plan template, or
2) Hire a professional to do it for you.
Obviously obtain 1) will be a great deal cheaper.
Our research led to a website that has over 60 high quality and free business plan templates. We also found a directory that you can use to easily find a business plan writer in your city – where ever you live in the world.
Finding Customers
Finding customers is a difficult and expensive task for service business owners such as accountants, lawyers and plumbers. We believe that a cost effective marketing strategy for service business owners is to simply give all their personal contacts a few business cards.
Our research led to a few websites that have pre-designed business card templates. We felt that the diversity and quality of these designs was outstanding. In addition, we found that you can obtain a significant saving by finding a printing service on the Internet. We found that you could get 2,000 full color business cards for as little as US $150.
Accounting For, Budgeting and Controlling Revenue and Expenses
Accurate accounting is very important for small business owners. It’s essential that you have timely access to information that could make or break your business. If stocks are running low – you need to know about it. If a large proportion of your debtors haven’t paid – you need to know about it. If you do not react to these situations quickly you may have a situation where you don’t have enough money to pay your employees – or worse still someone is stealing cash out the till.
Our research led to a website that compares and reviews top accounting software for small businesses. The cheapest software cost US $89.99 and the most expensive software cost US $1,499. It was interesting to note that the top 3 ranked websites were not the most expensive and cost between US $250 – US $300.
Hopefully you now have an idea of some of the tools that you can use to grow and maintain your small business. If you would like to benefit from our research please visit our website. We do not charge for this research and offer the content freely on our website.
About the author:

http://www.postsforfree.com/

10 Ways To Lower Your Auto Indemnification February 28, 2007

Posted by mrlee1 in Uncategorized.
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10 Ways To Lower Your Auto Indemnification

10 Ways To Lower Your Auto Insurance
by: mrlee
Nowadays, auto guarantee is really invaluable. A commonplace insurance policy can cost a few hundred dollars to a few billion iron mans a year. And the insurance rates you pay are greatly dependent on the insurance clan or agent, your age, your car type, your driving record, and even the area you reside in!

You should never go without auto safeguard though, despite the costs. Not quite all the states require you to protect yourself with a minimum amount of claim coverage. Easily, the bare minimum is not adequate sufficient for the average car owner. And as you add in additional coverage for your car, you comprehend that you will be paying a some large sum annually.

So, understanding auto insurance can very help you to decide on a suitable insurance policy that won’t vacuum clean your wallet! Here, we have aggregate 10 of the best tips for lowering your auto safeguard, by as much as 40

Always compare insurance policies. There are elements which regulate auto insurance rates, but the insurance premiums can vary by hundreds of bucks for the explicit same coverage. It is easily worthwhile to shop around. The first material you can do is to check with your state insurance department. They often provide instruction about the coverage you need, as well as sample rates from the biggest companies. You can also ask your friends or look up the yellow pages. Checking purchaser guides and asking insurance agents can pay off as well. You can easily find out the tariff compass for your insurance policy, as well as discover the lowest prices in town.

However, you should not be shopping based on price along. The insurance group should provide good service at the best price. Excellent personal service is available as well, and they provide toted conveniences, although they cost a fair bit more. Ask the company how you can lower your costs, and also check their financial ratings. The rule of maul is repeatedly to get three price quotes from three variant firms, and pick the one with the best value.

It can also be a good idea to increase your deductibles. When you file a claim, the deductible is the amount you pay before the insurance company pays for the rest of the pollution. A higher deductible on swipe and extensive coverage can lead to a much bush league premium. For example, increasing your deductible from $200 to $400 can reduce your premiums by up to 25àHowever, you must lock on that you have the financial mattress full to handle the largest deductible when the time draw nears.

Remove certain types of coverage from your policy. Almost all the states require liability coverage for your car, but the rest of the coverage is practicably expendable. However, you do not want to be underinsured if you’re in an accident, so it isn’t advisable to remove all of your additional coverage. Optional coverage has medical payments, uninsured motorist, collision, and comprising coverage.

Drop collision and synoptic coverage for older cars. If you drive an older car that’s worth less than $2,000, it’s probably more cost-direct to drop bell ringer and comprising coverage since you’ll probably pay more for the coverage than you’ll group for a claim. You can find out the worth of your car by asking auto dealers and banks.

Make sure your credit report looks good. Car insurance syndicates repeatedly look at your credit history as there is a correlation between the risk to the retinue and your credit yesteryear. If you pay your chits on time and maintain a good strokes history, you can enjoy lower provision rates.

Joyride less. Cover companies often offer low-mileage discounts to motorists who pickup less than a foreordained number of removed each year. You can use public transportation more often, car-pool with friends, and take the train or a plane instead of energetic to addition state. And you’ll save on more than your coverage as you’ll need to cough up less on gasoline (of which prices are incredibly high).

Prolong a clean driving record. The zoo will give you a price cleft and you can save on your insurance policy after a specified period of a clean driving record. This means that you have no accidents, no unhumorous driving violations etc, until this period of time. The simplest and surefire way to qualify for this discount is to drive carefully and defensively all the time.

Choose a low-shadow car. Cover rates vary surrounded by difference models of shipment. Generally, sports cars and high-performance cars tend to cost more to insure, mainly because they represent more risk of theft and the drivers are often the people who drive more impetuously. Newer cars will cost more to reconstruction or replace than older ones, so naturally they can more to insure. Low-risk vehicles contain station wagons and sedans.

Ask about safety and custody discounts. The insurance companies intermittently attempt rollbacks on your insurance if your car is equipped with the following: anti-lock non-skid brake, air bags, self-moving seat belts, car startles, tracking structures. These reduce the injury risk to you, as well as the chances of your car being vandalized or disreputable.

Finally, ask about other discounts. You may apprehend a discount if you buy more than one type of provision from the same company or if you insure multiple cars pressed down the same management or company. You may also get discounts for taking a defensive driving channels, stoping with the same company for a few years, being a guide over 50, good-student deducts, and journey an AAA member. If you by now have fit health insurance, you can also eliminate paying for duplicate medical coverage, thus lowering your private injury protection costs by a substantial amount.

About the author:
mrlee

http://www.postsforfree.com

Good Articles For Free February 18, 2007

Posted by mrlee1 in Uncategorized.
600 comments

Today’s date is Monday, February 19, 2007.

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