Tag: Buying

Amazon is buying Whole Foods for $13, buying a business.#Buying #a #business


Amazon is buying Whole Foods for $13.7 billion

Buying a business

Amazon is making a big bet on physical stores and the business of food.

The online retail giant announced Friday that is buying organic grocery chain Whole Foods ( WFM ) for $13.7 billion in cash. The deal values Whole Foods at $42 a share, 27% higher than where the stock was trading Thursday.

Amazon ( AMZN , Tech30) said Whole Foods stores will continue operating under that name as a separate unit of the company. Whole Foods CEO John Mackey will stay on to lead Whole Foods, which will keep its headquarters in Austin, Texas.

The deal shows Amazon’s interest in moving into the business of operating traditional brick-and-mortar stores, even as many retailers that have been crippled by Amazon’s growth have announced a series of store closings.

It also shows Amazon’s growing interest in groceries. The company has its own delivery service, AmazonFresh, and is experimenting with a “click and collect” model, letting customers buy groceries online, then pick them up in person.

The supermarket business, like many other parts of retail, has been hit hard by increased competition from Amazon itself, as well as Walmart ( WMT ) .

Grocery giant Kroger ( KR ) said Thursday that its profits for the year would be lower than Wall Street expected, sending its stock plunging nearly 20%.

Then Kroger’s stock plummeted 13% further on Friday after the Amazon-Whole Foods detail was announced.

Shares of other retailers with a big presence in groceries, such as Target ( TGT ) , Costco ( COST ) , SuperValu ( SVU ) and Sprouts ( SFM ) , plunged as well.

And Walmart was down 5%, despite announcing another online commerce deal of its own Friday. It bought men’s apparel company Bonobos.

But Amazon’s stock rose 3% on the news. Investors don’t seem too concerned by how much the company is spending. A warning of a possible credit downgrade by ratings agency S P Global Ratings didn’t hurt Amazon either.

S P said that Amazon may need to take on more debt as a result of the acquisition. But Amazon finished the first quarter with $21.5 billion in cash and securities on its balance sheet — and only $7.7 billion in long-term debt.

Amazon’s deal for Whole Foods also further demonstrates the financial might of the Jeff Bezos-led company, whose market value is greater than that of the 12 largest traditional general retailers combined.

“Millions of people love Whole Foods Market because they offer the best natural and organic foods, and they make it fun to eat healthy,” said Bezos.

Whole Foods, founded in 1978, is widely credited with helping to make organic food go mainstream. The company now has about 87,000 employees and more than 460 stores — mostly in the U.S. But Whole Foods has also expanded to Canada and the U.K.

The company has been moving aggressively in big cities, targeting millennial shoppers with a store format called 365 by Whole Foods Market that, like rival Trader Joe’s, has lower prices than the ones found at core Whole Foods stores.

High prices, of course, have been a problem for Whole Foods. The company is often derisively referred to as Whole Paycheck since the company charges a pretty penny for spelt and quinoa.

The company was accused of overcharging customers by regulators in New York City in 2015 and that had a huge negative impact on Whole Foods. Sales plunged for several quarters.

And the company became the butt of jokes by late-night comedians. HBO’s John Oliver did a savage skit about the company’s high prices. (HBO, like CNNMoney, is owned by Time Warner.)

Oliver ran a mock commercial showing, among other things, a block of ice with an avocado balanced on top for $25.99, a pomegranate that listened to NPR for $64.99, and tilapia wearing yoga pants for $84.99.

Mackey eventually wound up apologizing to customers. But the damage was done.

Sales growth at Whole Foods has slowed and profits have yet to return to levels before the price scandal. That may be one reason why Whole Foods was willing to sell to Amazon.

It will be interesting to see if Amazon — which has a reputation for keeping prices low — will turn Whole Foods into more of a bargain retailer as well.

It’s also worth noting that Whole Foods stock did not move much higher than $42 on Friday — the price that Amazon agreed to pay. That could be a sign that Wall Street does not expect a bidding war for the company that would push the sale price higher.

So it looks like Bezos will inherit the bad PR baggage that comes with Whole Foods. I wonder if it’s too soon for people to ask Alexa where they can find stalks of asparagus in a bottle of water for $6.


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Buying a business: Starting a business advice and business ideas #business #simulation


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Buying a business

Buying an existing business can be a successful route to becoming your own boss. Take a look at the steps involved in finding, valuing and buying a small business to decide if buying a business is the right direction for you.

How to start a business: What you need to know

  • Buying a business: Cafes and coffee shops

  • Buying a business: Tea rooms

    Key topics

    Startups answers the key questions you should ask before starting your own business

    David Soskin tells us about how he took over Cheapflights.co.uk

    Why buying a failing business may leave you in difficulties too

    Latest on Startups

    Useful business start up tools

    Forum post of the week

    Want to run a more profitable business?

    More from Startups


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  • Buying a business – Canada Business Network #sell #your #business


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    Buying a business

    Buying a business can take time, energy and a fair bit of research. It can be less risky and more affordable to purchase an existing business than to start one from scratch, but it is important that you do your homework to ensure that you buy the right business for you, and that you pay a fair price for it.

    On this page:

    Where to find a business to buy

    Businesses for sale are often advertised in print media and online, but sometimes business opportunities can be misleading. Make sure to do your due diligence before you take action. Try trade publications or commercial investment magazines, or talk to a broker who specializes in a specific industry. Networking at business events can help get the word out that you are looking to buy.

    Find buyers or find a business to buy based on algorithms allowing you to find the best match based on skills and goals.

    Looking to buy or sell an existing business in Ontario? Use this online marketplace to find available businesses that match your search criteria.

    What kind of business should I buy?

    If you buy an existing business, you have two choices: franchise, or traditional (independent) business. There are advantages and disadvantages to both.

    • Proven track record This is an established business with a proven concept; there is less risk and less initial capital required than with starting something brand new. Similarly, when it comes time to sell, you may have an easier time finding prospective buyers for a known entity.
    • Built-in customer base People know what to expect from your business because they know the brand, and trust the product or service.
    • Setup, support and training Having a parent company means having the infrastructure and processes in place, from equipment to uniforms to corporate advertising, rather than having to develop them on your own. Other franchisees can also be a source of support.
    • Set of rules and regulations to follow When you operate a franchise, you have less control over the operations than if you own an independent business; you also have to pay a percentage of your revenues to the parent company, which reduces overall earnings.
    • More control and responsibility You have the autonomy to set your own rules, but the success or failure of the business rests solely on your shoulders.
    • No fees or royalties You keep all of your earnings without sharing any of the profits.
    • More opportunity and risk You can sometimes find a business that may not be doing well but has potential. If you are willing to do the work, you may reap the rewards; you must be prepared if things don t turn out as planned.

    Evaluating a business

    Before deciding to buy a business, you should evaluate its condition and potential. Think about the following things:

    • What is the physical location of the business like? Is the office, warehouse, plant or retail space in good shape? What about any equipment or inventory?
    • If it s an online business, how well-designed is the website? Is it secure? Are there any metrics to study?
    • Does the business have a good reputation? You can check online for customer reviews.
    • How visible and easily accessible is the business? Is it located in an urban or rural area? You will have to consider expenses like increased shipping costs if you are farther away from your suppliers and customers.
    • Are the products or services generating revenue? Are sales increasing, decreasing or are they flat?
    • Does the business have a good working relationship with its suppliers and bank?

    If a business is doing poorly, examine what the potential causes are. It may be a case of poor management, or inadequate resources. If you think you can turn it around and make it profitable, you could stand to gain from your investment; on the flip side, you are taking a big risk if it doesn t work out.

    If a deal seems too good to be true, chances are, it probably is. Learn how to determine what type of business you should buy.

    Know your options when buying a business. Consider the pros and cons of each business type, situation and stage.

    If you need to know the value of your business, learn about the different approaches to business valuation.

    What is a fair price to pay for a business? Read this article to learn how to estimate the value of a business.

    Protect yourself when buying a business. This article outlines the steps you need to take before signing on the dotted line.

    Determining how much to pay for the business

    As a buyer, it all comes down to knowing what you can afford before negotiations start. You should be flexible in your negotiations, but also keep your budget and the value of the business in mind.

    What is the value of the business?

    • You will have to determine the value of assets such as the building, equipment and products.
    • Further factors to consider are the business financial statements, annual reports and intellectual property (for example, patents and trade-marks).
    • Other valuable assets to any business are its reputation, customer lists, and quality of personnel.

    Talk to clients who buy directly from the business. It is better to find out the reputation of a business before you sign on the dotted line. Banks are more receptive to a business that has a proven track record.

    Find out how to access funding for your business.

    Final considerations

    • Take your time and verify all of the information you are given before you commit yourself.
    • Buy a business in an industry you know well and with products or services you are comfortable selling.
    • Buy based on the return on investment and not only the price. You don t want to leave yourself short of funds for future expenses.
    • Investigate suppliers, clients and the reputation of the business before you buy.

    If you are buying a business and its inventory and assets, learn about some of the requirements, changing ownership and GST/HST considerations.

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    Buying an Internet Business – Why 2016 is the Year to Buy #business #names

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    Buying an Internet Business Why 2016 is the Year to Buy

    The start of a new year is always a natural time of year to make plans for the future. be it personally or professionally. It’s a good time to take stock of previous experience and think about what’s taking place in the world. Indeed, you don’t have to look too far for predictions posts at the moment, the internet is positively awash with musings about the year ahead with many exciting internet marketing trends predicted (mobile, the internet of things and as ever, more content marketing!)

    Strangely though there is not much in the way of thoughts on business buying in 2016,particularly for buying an internet business. so I’ve put some thoughts together on why 2016 is potentially a very timely year to buy.

    Buying an internet business – macro favors the opportunist

    There’s so much uncertainty in both the US and global economy at the moment that you can carve a pretty convincing argument either way for economic collapse or prosperity in 2016 (presumably that’s how Wall Street analysts keep in business come high or low…)

    I think though that when it comes to small business ownership there is strong cause for optimism this year. Consumer confidence has continued to climb through 2016 to the mid 90 s. Good news for consumer facing e-businesses.

    Investment levels always tell you something about the market’s sentiment toward both the economy and small business growth. Whilst you shouldn’t always follow the herd it’s important to note we operate in an economy based largely on consent, so if everyone else is investing it’s a good sign for personal acquisitions. US venture capital investment continue to grow year over year, and 2015 saw the largest amount of investment dollars.

    Lastly, borrowing is an essential component for acquisition and growth and it’s refreshing to see that whilst SBA lending softened a little in 2014 to $3.8bn (from $4.0bn in 2013), the lender is anticipating a huge boost in 2015 to $4.8bn. If you’re looking to debt finance an internet business acquisition, 2016 could well be the year to do it.

    A word of warning though, it can still be quite difficult to secure debt financing for online business acquisitions. SaaS businesses and recurring revenue models that have at least three years of history tend to be the most successful candidates for funding, though cash buyers will continue to have pole position in 2016. If you want to learn about alternative finance options you can read How to Buy a Website with Finance .

    Surging internet growth continues

    The nice thing about most internet trends is that they almost always face upwards which makes the old Chinese proverb of “the best time to plant a tree was 20 years ago, the second best time is now” true at the start of almost every year.

    E-commerce continues to be one of the biggest areas of internet growth and eMarketer expects the global E-commerce industry to increase another $263bn in 2015 to $1.763trn (yes trillion), all boding very well for site owners and potential business acquirers.

    Content sites will not miss out on a continued surge in internet usage as multi-device and particularly mobile usage make the web a major source of advertising dollars. Internet advertising revenues continue to rise with spending up across every single sector. from 5% YoY in entertainment to 20% YoY in retail. Digital advertising revenue is now worth more than $40bn in the US alone (as of 2014), second only to TV, and rising at 15% per annum (5x faster than any other medium).

    It’s not just the growth opportunities that are appearing in the internet investment landscape, the risk factors are somewhat fading too. Many online business acquirers are cautious of pending Google algorithm updates particularly when looking at websites with high search traffic (and they are wise to be). With the last 18 months seeing an unprecedented amount of algorithm changes. things have now started to calm and the industry is expecting a smoother runway in 2016.

    That’s not to say there won’t be movement but there is much less concern over 20% single-day traffic falls as we saw with the Penguin and Panda rollouts in 2013 and 2014. The good news for site buyers is that investors now have the pick of sites that are still standing after the updates and they also have some runway ahead before Google consider another major algorithm update.

    Mobile is an explosive opportunity

    A major part of the trends above is the continued penetration of smartphones across the US, Western Europe and Asia as well as the proliferation of multi-device. Multi-device ownership is increasingly commonplace in developed markets with 1 in 4 smartphone owners in the US and EU5 also owning a tablet.

    Almost every internet marketing predictions post is citing mobile’s importance this year and its clear from listings at FEI that site owners who have mobile-optimised their sites (at the least) or built new service or content offerings around mobile, are very well positioned for selling. With Google putting greater emphasis on the mobile user experience, potentially even incorporating “mobile-friendliness” into its search ranking algorithm, mobile-friendly is now essential.

    Digi-Capital predict 61.3% CAGR of revenue growth in mobile app revenue (ex-gaming) to 2017 which is a staggering growth rate and a huge growth opportunity for buyers of e-businesses and apps in 2016 and beyond. Advertisers worldwide are recognizing the increasing penetration of mobile and its impact on consumers, and in response, plan to spend more than $64bn on mobile ads in 2015. 60% higher than 2014.

    Favorable industry trends

    Thomas and I wrote about industry trends at the end of 2015 and we think they are aligning positively for buyers. Whilst there’s undoubtedly more buyers in the industry than ever before, the market is formalizing and this can only be a good thing for raising industry standards amongst brokers, sellers and other industry participants alike.

    An exciting new development has been the launch of Escrow’s new domain name holding service in 2014 which has dramatically increased the scope for creatively financed deals in 2016. With domain(s) held in Escrow during the deferred consideration period there is much less fear about payment default, which warms sellers to the idea of earn outs, holdbacks and other financing methods. All of this is great news for buyers looking to stretch out their funds or structures deals for lower risk.

    Speaking of formalisation, the website buying industry definitely embraced content marketing in the past few years and we have seen a marked increase in content posting by brokers, marketplaces and industry commentators alike. Centurica now publish an annual website buying report and its co-founder Justin Gilchrist also published an in-depth primer on business buying.

    FEI published a free Guide to Buying an Online Business to help educate buyers on how to run through the process successfully and to raise awareness about the asset class. In short, there’s never been more quality information available about internet business buying which is great news for new and seasoned buyers alike.

    Buying an online business?

    Download our free 83-page guide to buying and learn all you need to know

    If not now, when?

    So there are a lot of good reasons why 2016 presents a unique opportunity to buy an internet business. But the truth is, every year gives advantages over the previous year. So, if you’re waiting for the perfect time, then you’ve perhaps already waited too long. The right time to buy a business is now! Don’t wait for any arbitrary date like January 1st.

    Instead, commit to your plan and get started right now. Yes, 2016 will be a great time for buying a business but so is today .

    David Newell

    David is the Brokerage Director at FE International. Starting out as an investment banker, he moved online to use his transaction experience for website brokerage. At FE International, he spends his time speaking with buyers, executing deals and working on raising industry standards to encourage more investments. In 2014 he closed more than $6m in sales and wrote a book on buying internet businesses for investors new to the space.


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    Buying a business #business #card #templates


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    smallbusiness.wa.gov.au

    Buying a business

    Buying an established business requires a major commitment of time, money and energy. Doing your research before making a decision is essential.

    The process for purchasing a business generally follows these steps:

    Understanding the advantages and disadvantages of buying a business

    Advantages of buying an established business include:

    • initial establishment and ground work has been done
    • client base is established
    • there is an existing market for the products/ services
    • a proven financial record that could make it easier to access finance.

    Disadvantages of buying an established business include:

    • you may need to honour or renegotiate outstanding contracts
    • the current staff could prove hostile
    • you may need to invest additional money to make the business successful.

    Identifying the right business

    What is the ‘right’ business will vary, depending on your particular needs and lifestyle.

    Before selecting a business check you:

    • are physically, financially and emotionally suited to the business
    • have the necessary skills, experience, time, resources, vision and commitment to make this business a success
    • will benefit from this opportunity, bearing in mind your personal circumstances.

    Businesses for sale are usually advertised in newspapers, industry magazines, and the internet. Your accountant may also be able to assist, while business brokers and commercial real estate agents are also excellent resources. The Business Brokers Association (WA) can assist in finding a broker.

    Analysing the chosen business

    Not all businesses for sale are a good investment. Before buying you need to understand exactly what you are paying for.

    • conduct due diligence and evaluate the risk
    • have the business independently valued
    • assess existing employees against your business needs
    • investigate taxation requirements.

    Due diligence and evaluating risk

    Due diligence involves undertaking a thorough review of the business to determine the likelihood of its future success.

    You will need to obtain the following information:

    • Certified financial statements for the previous three years.
    • A balance sheet to identify assets and liabilities.
    • A list of the plant, equipment, fixtures and fittings the vendor intends to sell, along with a current valuation and associated warranties and guarantees. Before buying, confirm they can prove ownership.
    • If the premises are leased, a copy of the lease agreement.
    • If the business is a franchise, a copy of the franchisor’s disclosure statement. Learn more about buying a franchise .

    TIP: Do not sign any offers or pay any money until you have been provided with all the above, you have assessed the business and taken independent professional advice.

    Reduce the risks in buying a business by making sure all plant and equipment is in good working order, checking the vehicles are licensed, and that there are no interests on the property being sold. You can check this online via the Personal Property and Securities Register .

    Have the business independently valued

    An independent valuation will confirm that you are paying a fair price. There are three main methods of valuing a business.

    • Return on investment = net profit x 100 ÷ price
    • Asset value = assets of the business + goodwill
    • Market value = turnover x industry multiple. (This is rarely used for retail businesses).

    Existing employees

    If staff will be transferring with the business you need to be aware of your responsibilities. Specific requirements regarding the transfer of a business and employee entitlements will vary according to which industrial relations system the business is covered by.

    For state system employees visit the Department of Commerce website and for national system visit the Fairwork Ombudsman website.

    Taxation

    Unless sold as a going concern, you will need to account for GST on the sale of the business. You also need to ensure all Australian Tax Office (ATO) requirements are met

    Speak to an accountant or tax professional to understand your tax obligations or visit the ATO .

    Making an offer

    Once you decide to purchase the business the next step is to make an offer to the vendor.

    There is no standard documentation when buying a business. If you are not using a real estate agent or business broker you are likely to need a lawyer to draw up a legally binding offer and acceptance.

    For your own protection make sure all promises and undertakings given by the vendor are confirmed in writing. Your lawyer should include appropriate conditions in the offer. This will allow you to withdraw your offer, without penalty, if the vendor does not meet these conditions.

    After you agree on the price and terms of sale you will need to arrange the transfer of licences and registrations. For more information go to our licences and permit section.

    More information


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    Air Conditioner Buying Guide – Best Buy #air #conditioner #service #car, #air #conditioner #buying

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    No matter where you live, it’s important to be prepared for the hottest days of the year with a reliable air conditioner. Whether you’re replacing an old window unit or installing through-the-wall air conditioners in your new home, we can help you find exactly what you’re looking for. Use this guide to explore the different types of air conditioners and the unique benefits and features available.

    Topics in this Air Conditioner Buying Guide:

    Choosing an Air Conditioner

    When figuring out which type of air conditioner you need, consider the following:

    • Frequency of use
    • Room size
    • Whether it will be in a room with a lot of sun exposure or a kitchen with hot appliances
    • Whether it will be permanent or temporary

    You’ll also want to make note of any significant features that would increase convenience for you, such as remote controls, noise damping technology or smart features.

    Portable Air Conditioners

    These types of air conditioners offer more flexibility than window or in-wall air conditioners since they don’t require permanent installation and can be moved from room to room. If you plan on transporting your portable unit regularly, be sure to find a model with casters since they can be quite heavy. These units use the air from inside the room to cool the condenser and exhaust the hot air out of a hose that vents through a window, sliding door, wall or ceiling. There are a few ways water is drained from portable air conditioners. In self-evaporating systems, often referred to as “swamp coolers,” the water condensation is recycled back into the air. If you buy a condensate pump, excess water will be pumped outside through a hose. Other models require you to manually empty the water tank every few hours.

    Advantages of a portable air conditioner:

    • Easy set up and doesn’t require permanent installation
    • Can be moved from room to room
    • Casters for easy movement
    • Timer
    • Remote control

    Hose systems vs. evaporative systems

    Units with hose systems use air from the room to cool their condensers. Units with evaporative systems don’t have a compressor or condenser. Instead, they evaporate water which absorbs heat, cooling the air. They don’t need hoses to vent heat outside, which makes them more portable than hose systems.

    Advantages of an evaporative cooler:

    • Beneficial in dry climates since it adds moisture to the air
    • More portable than hose systems
    • Requires constant supply of water
    • Must be well maintained because of potential mold and bacteria

    Shop:

    Window Air Conditioners

    Available in a number of sizes and cooling capacities, these types of units can be used as a primary cooling source in a room, or in combination with your central AC. Before purchasing a window unit, you’ll want to take measurements to ensure it will properly fit your window. You’ll also want to look at the outlet in your wall to make sure it’s compatible with the kind of plug on the AC unit.

    Window units are made for three different types of windows standard, slider and casement. These units are installed in an open window with the hot air exhaust facing outside and the cool air return system facing inside. A shaded window will offer extra cooling efficiency.

    Fixed chassis vs. slide-out chassis

    A chassis is a frame that supports the air conditioner. It’s important to note whether the chassis is fixed or not because units with a slide-out chassis can be installed in a window or a wall, while a fixed-chassis unit can only be installed in a window. A slide-out chassis enables easy maintenance and cleaning since the inside of the machine is easily accessible once you slide out the chassis.

    Advantages of a window air conditioner:

    • Allows for extra floor space
    • Easy to install and uninstall
    • Some models have a slide-out chassis
    • Timer
    • Remote control
    • Requires installation
    • Takes up window space
    • Limited to use in one room

    Through-the-Wall Air Conditioners

    Wall air conditioners are very similar to window air conditioners with the main difference being that they sit in your wall instead of in a window opening. These units exhaust heat and humidity from the room to the outside and fit through a hole in an exterior wall. They require a sleeve, which is a metal device that holds the air conditioner in the wall to support its weight. If you already have a sleeve installed, you’ll need to identify what type it is. If there’s no existing sleeve and you need to put a hole in your wall, professional installation is recommended.

    Slide-out chassis vs. through-the-wall sleeves

    Slide-out chassis air conditioners come as one unit the chassis and the sleeve. These units vent through the sides and the back of the air conditioner. Through-the-wall air conditioners do not come with a sleeve. Sleeves are sold separately and these units only vent through the back of the air conditioner.

    Advantages of a through-the-wall air conditioner:

    • Typically available in higher cooling capacities than window units
    • Allows for extra window space
    • Can be placed almost anywhere
    • Airtight and secure fit
    • Remote control
    • Timer
    • Digital thermostat
    • Labor intensive installation
    • More difficult than window units to uninstall
    • Weighs slightly more than window units

    BTUs

    BTUs (British Thermal Units) measure the amount of heat an air conditioner can remove from the air over a given period of time. The higher the number, the greater the cooling capacity, but bigger isn’t always better. In order to properly cool a room you have to match the BTU capacity of the air conditioner to the dimensions of the room that needs cooling. An underpowered air conditioner won’t cool a large room properly. On the other hand, one that has too high of a BTU rating cools the area so quickly that it doesn’t have time to dehumidify the air, which can leave the space feeling cold and clammy.

    When selecting the appropriate BTU rating to match a room by square feet, consider ceiling height, sizes of windows and doorways, and whether the unit will be in a sunny room or a kitchen with extra heat from appliances.

    Use the chart below to help you find the right BTU capacity for your space

    AREA TO BE COOLED (SQUARE FEET)

    CAPACITY RECOMMENDED (BTUs PER HOUR)

    Installing a Window Unit

    All window air conditioners come with an installation kit and you can usually install them yourself. You may need to attach a support bracket to the windowsill to support the weight of the unit. Be sure to use caution and have someone help you lift the air conditioner since they can be very heavy. Attach the accordion-like panels to the side of the unit and then set it on the support bracket, making sure it snaps into place. Once the air conditioner is secure, lower the window on top of it and extend the panels to both sides of the frame and screw them into place. Then, fill any gaps with foam weather stripping to provide a tight seal that will prevent heat, dust and insects from getting inside.

    Energy Efficiency

    Energy Efficiency Ratings (EERs) are numbers that measure the amount of energy a unit requires to deliver a given amount of cooling. A higher EER translates to lower relative energy use. Units with a high EER are usually more expensive initially, but may save you money in the long run by reducing your monthly energy costs. Weigh the price increase of more efficient models against the potential savings on your energy bill to find out if a high-efficiency unit is the right choice for you.

    ENERGY STAR Certified Air Conditioners

    Look for air conditioners with the ENERGY STAR label to reduce your energy bills and to help protect the environment. These air conditioners meet strict energy efficiency guidelines set by the U.S. Environmental Protection Agency and the U.S. Department of Energy. They use less energy than non-certified models, making them environmentally friendly and saving you money.

    Accessories

    To properly install your air conditioner and keep it in good condition you may need a few accessories. If you’re installing a window air conditioner, you might need a support bracket to support its weight. If you’re installing a through-the-wall air conditioner, you’ll need a sleeve to support its weight, unless you have a slide-out chassis air conditioner that already comes with a sleeve as part of the unit. Replacement filters will keep your air conditioner performing smoothly long after you install it. Other accessories are available for convenience purposes. For instance, if your air conditioner doesn’t come with a remote control, you might be able to purchase a compatible one separately. You can find all of these accessories and more at Best Buy.

    Shop Online or In Store

    Find a wide variety of air conditioners on BestBuy.com. Your local Best Buy store also has a selection of air conditioners. Plus, our friendly Blue Shirts are there to answer questions and help with choosing the best air conditioner for your needs.

    Need to beat the heat sooner? You can order online and pick up at a store near you in as little as 45 minutes.


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    OHosti – Best Free Unlimited Hosting cPanel – Powerful Unlimited Free Reseller Hosting WHM

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    Important Precautions to Take When Buying a Domain Name () #buying #and #selling #web

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    Important Precautions to Take When Buying a Domain Name

    Things to Avoid to Prevent Your Losing Your Favourite Domain Name

    Important Precautions to Take When Buying a Domain Name

    I recently received a message from a visitor to thesitewizard.com telling me about how he checked for the availability of a domain name, found it unregistered, only to lose it to someone else before he was able to buy it at a later date. This article deals with some of the unsavoury practices that go on in the world of domain names and the precautions that you can take to avoid being victimised.

    Domain Name Front Running and Unscrupulous Domain Registrars

    What is Domain Name Front Running?

    It has been a long-held suspicion by many people that a practice known as “domain name front running” exists. Domain name front running occurs when someone monitors attempts to check out currently nonexistent domain names, and then quickly snaps up those names before the person inquiring can buy it through a registrar. The intention is to sell the domain name to the interested party at a higher price, thereby making a tidy profit without even having to develop a website on the domain.

    At the time I write this, it has not been proven that these practices occur. However, since such monitoring is technically possible and easily accomplished, and anecdotal accounts from victims abound, many people believe that domain name front running is very real. Particularly when they lose a domain name they have just checked.

    Unscrupulous Domain Name Registrars

    A related issue to domain name front running is that of unscrupulous domain registrars. Recently a domain name registrar was found to have registered every domain name that was entered into their search box. If you go to that registrar simply to check whether a domain name was available, your domain name will be instantly snapped up by them. Unlike the alleged domain name front runners, however, their operation is designed to be more anti-competitive than anything else. You can still register the domain name at their advertised price (which is more expensive than most other registrars), but only with them. No other registrar will allow you to buy that name, since as far as they are concerned, the domain name has already been bought.

    As far as I know, till this day (the date I wrote this article), that registrar continues this practice. (Don’t worry, I didn’t mention that registrar in my list of registrars that I’ve used. so you’re probably safe if you’ve only checked using the registrars on thesitewizard.com’s page.) That disreputable registrar will however probably drop this practice eventually, since ICANN. the overall organisation in charge of domain names, plans to start charging registrars for any domain name they pick up, even if it’s only for a few days.

    Lessons from the Domain Name Front Running and Bad Domain Registrars Scams

    As mentioned in my article on How to Register Your Own Domain Name. before you even go to a registrar, jot down a few domain names that you want. List the possibilities and make a decision to buy even before you reach the registrar’s page to check.

    Only go to the registrar that you plan to buy from. Don’t check the domain with other registrars, just for fun. Don’t check for the existence of a domain by typing it in your browser window. If domain name front running exists, that query for a nonexistent domain name will be noted. Don’t take that risk.

    Once you see that the domain is available, buy it immediately. It may be available now, but not a few seconds later (or even less). Don’t check and then imagine that the name will be around at some future date when you figure out what to do with that domain name. If you don’t have a plan for the domain, don’t check it. Or just buy it first and plan later. Whatever the case may be, once you check it, you should regard yourself as having committed yourself to the name. Unless of course you don’t really want the name anyway.

    If you have doubts about whether one set of domain names is better than another, buy them all (if you can afford it). New domain names are cheap. Second hand domain names (bought from another owner) are not. You can always let a domain expire if you decide you don’t want it later. Prices of domain names are now almost universally around $10 USD a year, so it’s penny wise pound foolish to save those few bucks now and pay thousands of dollars to a reseller later.

    Finally, don’t do what a lot of newbies do. Don’t post in a forum asking for opinions about whether a particular domain name is good for such and such a purpose. When you do so, you run the risk of someone quickly registering that domain before you can. They may not even want to sell it to you later, since good domain names are hard to think of, and they may want to use it for the same purpose you did when you announced your intentions to the world.

    If you have to ask someone, ask only a person with whom you have a personal relationship, whom you trust. Even better, ask after you’ve bought the whole kit and caboodle. Then it won’t matter which option your friend picks, and whether he/she is trustworthy. You’ll already own them all.

    Don’t make the same mistake that my visitor made when he lost his desired domain name. Be aware of the underhand tactics used by some people and take the precautions I mentioned above when buying your own domain names, so that you won’t be another victim of the Internet underworld.

    Copyright 2008-2017 by Christopher Heng. All rights reserved.
    Get more free tips and articles like this. on web design, promotion, revenue and scripting, from https://www.thesitewizard.com/.

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    Life Insurance Policy Locator #topsearch, #consumers, #life, #annuity, #viatical, #buying, #shopping


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    Life Insurance Policy Locator

    TDI can help you find a missing life insurance policy or annuity.

    How it works

    1. Fill out the Consumer Request Form with basic information about the deceased person for whom you’re trying to find a life insurance policy or annuity contract.
    2. Each month, TDI will give the information from the request forms to the companies voluntarily participating in the service .
    3. The companies will search their records to determine whether they have life insurance policies or annuity contracts in the name of the deceased.
    4. The companies will contact you directly if they find a policy or contract and you’re authorized to receive the information.

    Who can get information

    To get information about a life insurance policy or annuity contract you must be

    • the legal representative of the deceased person’s estate
    • otherwise legally entitled to information about a policy (for example, the policy’s beneficiary).

    How long it takes

    In most cases, you should learn whether a participating company was able to locate a policy within 90 days of the date you submitted your request to us. If you don’t get a response from a company within 90 days of your request, it means that either the participating companies didn’t find a policy or annuity contract in the deceased’s name or you aren’t eligible to get this information.

    What the companies look for

    The companies will search only for policies or contracts that were in force at the time of the insured’s death. This means that the insured must have kept up premium payments, or that the policy had enough cash value to cover the cost of insurance after the payments stopped. Companies will also search for policies or contracts that, within 12 months before the date of death, were terminated, lapsed, surrendered, or transferred.

    More tips for tracing missing or old life insurance policies

    TDI has no way of knowing whether any person has life insurance and with which company. We can, however, offer some tips for continuing your search.

    • Examine your relative’s bank statements and check registers for payments to life insurance companies. Life insurers commonly require payment of premiums by bank drafts. These payments appear on monthly bank statements.
    • Look for insurance agents in your relative’s address book or personal phone directory. The agent who wrote your relative’s car, home or health insurance also may have sold him or her a life insurance policy.
    • Contact the employee benefits offices at your relative’s former employers. Sometimes people buy group life insurance at work.
    • Review your relative’s income tax records to see if he or she reported interest income on a cash value life insurance policy.

    If a life insurance company knows that an insured has died but it cannot find the policy beneficiaries within three years, it must send the death benefit to the state Comptroller’s unclaimed property fund. The rightful owners of the life insurance proceeds can reclaim them from the Comptroller. For more information, go to the Comptroller’s unclaimed property Web site, www.cpa.state.tx.us/up/ .

    Just be aware that for a life insurance policy to be valid, your relative had to keep it in force by paying the premiums. Some cash value policies become “paid up” after a person pays premiums for a specific number of years. However, people often cancel policies or let them lapse but keep the discontinued policies in their records.

    If you find a life insurance policy for a deceased relative but can’t locate the company, you can get help from TDI by calling the Consumer Help Line at 1-800-252-3439. You can also use the Company Lookup feature on TDI’s Web site. Profiles of active companies include addresses and phone numbers. Profiles of inactive companies include histories that let you trace mergers, acquisitions and reinsurance agreements that transferred their policies to other companies.

    For more information or assistance

    If you have questions or need more information, please call our Consumer Help Line at 1-800-252-3439.

    • Top 40 Life Insurance Companies – Based on Texas written premium with percentage of market share
    • Top 40 Annuity Insurance Companies – Based on Texas written premium with percentage of market share

    Complaints

    • Insurance Complaints Resource Page – Use for reporting complaints against insurance companies or agents. Also search TDI s Internet Complaint Information System (ICIS) by summary complaint information by quarter, region complaint information by quarter, or line of insurance.

    Related Web Links

    • Consumer Federation of America – For a fee, CFA will analyze the return rate on a cash value life policy.

    For more information, contact:

    Last updated: 04/06/2016

    Contact Information and Other Helpful Links


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    California DMV Paperwork When Buying a Car #california, #buying #a #car #in #california, #california

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    Paperwork When Buying a Car in California

    After buying a car in California, you will need certain documents from the seller before you can properly transfer ownership.

    Use this guide to learn more about the paperwork required by the California Department of Motor Vehicles (DMV) for vehicle transactions.

    Paperwork for California Car Buyers

    Once you purchase a car in California, you’ll have 10 days to title and register it with the DMV to avoid penalty. This will vary depending on if you bought it from a dealership or a private party. as dealerships will file your paperwork for you and make it unlikely you’ll have to visit the DMV post-transaction.

    When buying a car from a private seller, you’ll need certain documents from the seller before titling and registration can be completed. These include:

    • The vehicle’s title .
      • Fill out each of the transfer sections, including:
        • Signatures from the buyer and seller.
        • The purchase price .
        • An odometer disclosure statementIF the vehicle is under 10 years old.
      • If the title is missing, a new title can be obtained by the seller by completing an Application for Duplicate or Paperless Title (Form REG 227).
    • A smog certificate .
      • Required if the car is more than 4 years old.
    • A bill of sale .
      • Though not required by the California DMV to transfer ownership, a bill of sale can help you prove transfer of ownership and the purchase price.

    CA Car Registration Paperwork

    To title and register your vehicle in California, bring the following paperwork to your local DMV within 10 days of the purchase:

    • The vehicle title. smog certificate. and bill of sale as described above.
    • A completed Application for Title or Registration (Form REG 343).
    • Payment for the fees due, including:
      • Registration fee: $46 .
      • California Highway Patrol fee: $24 .

    For information about registration, please visit our guide to registering a car in California .

    Registering Out-of-State Vehicles

    In some instances, you may have purchased a vehicle outside of California. or the owner has just arrived in the state and is selling their car. In these instances, the following paperwork may also be needed in addition to the documents outlined above when registering an out-of-state vehicle in California:

    • Out-of-state registration documents .
    • Current license plates .
    • A completed Verification of Vehicle (Form REG 31) completed by any of the following:
      • An authorized DMV agent.
      • Law enforcement.
      • A licensed vehicle verifier.
    • A completed Statement of Facts (Form REG 256).
      • You will need to fill this form out if you have previously paid sales or use tax in your former state of residence.

    Forms

    Complete this form to request a duplicate CA title OR paperless title, which you can use while transferring ownership of a vehicle.


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