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Business news from the Chicago Tribune. Get money tips, stock market updates and the latest Chicago business news.Our team of over 18,000 Springspotters sources the latest innovation, startup, and new business ideas from around the world. View today’s best innovations business ideas work from home Sample business plans, business plan software, marketing plans, business contracts, and agreements.TED Talks are influential videos from expert speakers on education, business, science, tech and creativity, with subtitles in 100+ languages. Ideas free to stream and.

Why would i want a job in retail home work lloyd kahn

This article has been excerpted from 55 Surefire Home Based Businesses You Can Start for Under $5,000 by Entrepreneur Press & Cheryl Kimball 2009. Want to know how to start a business or how to run a business to achieve its maximum potential? Small Business Canada will show you how. Absolutely everything you need to start, create, and grow a successful business online is included at Wealthy Affiliate. We cater to all levels of experience, someone.

A LinkedIn reader sent me this, I interviewed for a job with a. I got the email today from the HR Manager that they went with the. Do I even respond at all. of posting the job and interviewing a bunch of other candidates.Here’s a cover letter email and matching resume sample that Laura wrote to find. Job seekers are often puzzled about how to respond to a job posting that has.

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12 Home Business Ideas You Can Start for Cheap – Work from Home Happiness

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12 Home Business Ideas You Can Start for Cheap

12 Home Business Ideas You Can Start for Cheap

Becoming a solopreneur, whether that means freelancing or starting your own business, is a great way to take control of your work life and earnings. But while making the decision to go solo can be a tough one, coming up with an idea that doesn t require a storefront isn t. Thanks to the internet, online marketplaces, and social media marketing there are endless possibilities for starting your own business right from the comfort of your own home.

The best part? Getting started doesn t have to cost much (if anything!). If the cost of starting your own business has been holding you back or you have budget concerns, check out these 12 home business ideas you can start for cheap!

1. Cleaning Service

Offices, residences, retail, or restaurants are all potential customers if you want to start a cleaning service . You can even put a unique spin on it by offering green cleaning. For the cost of some quality cleaning products and supplies, you can get your first client as soon as you can make a Costco run. Cleaning service businesses typically don t require a lot of advertising. When you do really good work, word-of-mouth referrals take care of new business for you.

2. Online Writing Services

No list of home business ideas would be complete without mentioning online writing services. Copy editing, ghostwriting, and copywriting are super important in today s online world of information. Companies from around the world rely on the service of writers to get them noticed in a sea of content. Think you need a lot of education and experience to start a writing career? Think again. You can start a freelance writing career with no prior experience .

3. Event Planner

Some people just have event planning in their bloods (I, am not one of them). Taking care of the details of an important day and making sure everything goes off without a hitch, is what party planners are known for. Thanks to their fire-putting-out capabilities and knack for getting things done, people are willing to pay big bucks for a party planner who takes the reins while letting them actually enjoy their event. There are some great resources out there about starting your own event planning business from the ground up.

4. Household Organizer

The saying, Cluttered desk, cluttered mind, are words I live by when working from home. The same can be said about running a household and having everything in a state of disarray negatively affecting how smoothly your days go. It s no secret that organization leads to productivity, but getting (and staying organized) just isn t everyone s forte. If you ve got a knack for order and can help others clear the clutter, you ve got a home business you can start for dirt cheap. (Bonus points when you let clients know about Amazon s trade-in program which allows them to get rid of their stuff and earn money back!).

5. Grocery Delivery

Wouldn t it be great if your car paid for itself? Well, if you use it to be a grocery deliverer, it just might! There s a reason why services like Uber, TaskRabbit. and Amazon Flex have soared in popularity, people love the on-demand economy and convenience of getting things done when they need it. Cash in on the craze and start a grocery delivery business. This kind of service is easy to market towards busy parents, small business owners, and elderly or disabled individuals who might otherwise have difficulty getting their shopping done (bonus ideas: offer other errand running services to increase revenue!)

6. Property Manager

I once filled in as a property manager for about three months while a former landlord (and good friend!) was away on personal business. Although she had just a handful of properties to her name and about a dozen tenants, I stayed pretty busy keeping up with collecting rent, fielding calls, showing vacant properties, and setting up work orders for repairs. Property owners need highly organized and efficient individuals to handle the day-to-day operations of having income-producing properties.

7. Social Media Consultant

You re going to pin, tweet, post, snap, and update anyway, so why not get paid for your expertise? Social media shows no signs of slowing down, in fact, there seems to be a new platform popping up every week. And that s a lot of social media to handle. That s why companies rely on social media savvy individuals to keep up with multiple accounts and help them stay relevant. If you can produce share-worthy content and know how to increase social interaction, you re on your way to what can be a lucrative social media consultant business !

8. eBook Author

Writing an eBook isn t as hard as you think. The best part of becoming an eBook author is that you literally can earn money while you sleep (or eat, or shop, or any other time!). With eBooks, you do the work once and get paid over and over again. Deciding on a topic and writing your first eBook can be done in a month s time, even if you have a full-time job and other daily commitments. The best way to earn money as a eBook author is to build up a portfolio of multiple books. The more you have, the more passive income you ll generate!

9. Resume Writer

Perfecting your resume is tough, but when you do, it can open many more doors than an outdated or out of touch one ever could. Job seekers recognize the power of a well-crafted resume and are turning to professionals to help them write an effective resume or CV that gets them an interview. There are tons of these kinds of gigs listed on the various freelance marketplaces. Networking on LinkedIn is also a great way to get the word out about your services and start securing work.

10. Virtual Assistant

There s really no limit to what a virtual assistant may be tasked with. Much of a VAs responsibilities will largely depend on the client s line of business and needs. But if you re a jack or jill of all trades, keep calm under pressure, and are generally pretty good at prioritizing and getting things done, you just might be the perfect VA. This profession has exploded in popularity in recent years. And now is as good as time as any to set yourself up as a virtual assistant and help busy professionals get more done in a day.

11. Blog

Running a blog is very much the same as running a business. While you might not see a ton of money rolling in right away, with the right monetization strategies in place, you can eventually make a living blogging and grow it into your very own personal brand. The startup costs are pretty small and between affiliate marketing, ad networks, sponsored posts, and other direct ad sales, there s many ways to produce income with your blog.

12. Get Crafty

Crafting is big business! Just look at all the successful Etsy sellers raking in six figures every year. Etsy aside, there are no shortages of sites where you can start selling your crafts today. You don t need a ton of inventory to get started, just enough to take some really good pictures and set up shop on whichever sites you choose. Many people start out selling part time and end up turning their hobby into a full-time home-based business.

More Resources and Inspiration

If you re looking for a home-based business idea, but aren t quite ready to go it alone, you may want to consider direct sales.

The Work at Home Woman has some great information on the Best Products to Sell from Home .

Direct sales success takes a lot of commitment and marketing. It s certainly not for everyone. If you think you might not be the best sales consultant, take a look at Dream Home Based Work s massive list of 120 Work at Home Jobs You Can Start from Home. the startup costs vary, but with such a large list, there s something for everyone!

Once you have decided on a home-based business to start, don t forget how effective social media is for marketing your services. When done right, you can land your first client by using social media .

This is a great list Ashlee. I would personally stay away from a cleaning service. I barely want to clean my own house but then I have to think of the money I d make from other ladies who feel like me ;).

I m already doing the blogging thing and writing services but I wish I were crafty enough to start a crafts business.

Thanks for sharing this. Have a great day and weekend.

allie smith says

I have been researching ways to make money online for months I have tried multiple survey sites. I have stuck with mint vine for the past 6 months and I have been making enough a month for a date night out with my husband or a trip to the mall. You can t quit your day job but for a few minutes a day in your spare time you can make some extra cash. Worth checking out

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Private health insurance for smaller businesses #business #lawyer

#business health insurance

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Private health insurance

There is important information on this page that may be difficult to read on a small screen device. You may wish to switch to a larger display.

5 Star rated small business health insurance with one month free

Staying healthy is important, especially if you’re running your own small business. Our private health insurance product, Solutions. is great value for money if you have 2-99 employees and it s really easy to set up.

Our Defaqto 5 Star rated private health insurance product lets you choose which benefits you’d like to have along with:

  • Your first month free – As long as you haven t had a private healthcare policy with us in the last 12 months and you agree to hold the cover for a whole year, we ll give you 1 month free cover. This applies to the first year of your policy.

Our health insurance policy helps employees get back on their feet and back to work as soon as possible. Here is what our Solutions product can do for you:

  • Offer the right treatment, at the right time – You’ll get support from us that may help your employees get back to work faster. That means early diagnosis and prompt access to expert medical treatment at a time that suits them, anywhere in the UK at a hospital on your chosen hospital list. See which hospitals you can use (PDF 1.70MB)
  • BacktoBetter – Solutions includes our innovative musculoskeletal case management service as standard within core cover. Helping get employees back to work faster if they need to claim for pain in the back, neck, muscles or joints (musculoskeletal (MSK) conditions).
  • Access to the latest drugs and treatments – Solutions covers all the latest medicines and therapies, as long as there s medical evidence to show they can work. Our clinical experts keep us up to date, so you get the best possible treatment.
  • Dedicated cancer support – We can take care of everything, from the first phone call for a claim right through to sensitive, ongoing aftercare. Read more about our cancer pledge .
  • A 24-hour GP helpline – Your employees can call a fully qualified GP day or night, so they may not need time off work to get medical advice. They can also call about other family members, which is really useful if they have small children.
  • A 24-hour stress counselling helpline – As stress is a growing cause of absence we give all our Solutions customers access to a stress counselling helpline. Your employees can call any time day or night, and talk for as long as they wish to an experienced counsellor. This helpline is available to members aged 16 or over.
  • Pay for the benefits you want Solutions allows you to enhance or reduce your cover depending on the needs of the business.
  • Decide who gets which benefits – Choose different levels of cover for different groups of employees. You could increase benefits for yourself and senior staff, and include your family on the same policy too.
  • Aviva Advantages – Your employees will also be given access to Aviva Advantages, where they’ll find lots of rewards and money saving offers – not just on personal Aviva products (such as car or home insurance) but with 100s of our partners too.

For more private health insurance details please see what can this product cover or call us on 0800 158 5182 and talk to one of our friendly team. Calls to and from Aviva may be monitored and/or recorded.

1 month free cover

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Monitor – Family Practice Management #average #cost #of #malpractice #insurance #for #doctors

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Malpractice insurance rates on the rise

Medical malpractice premiums are reportedly soaring to unaffordable levels in certain parts of the country, with Texas, Pennsylvania, Nevada, Ohio and Mississippi among the states hit hardest in 2001, according to a recent analysis by AM News. Neurosurgeons, obstetricians and other high-risk specialists are seeing the highest increases, but some family physicians, particularly those who perform obstetric services, are being affected as well.

Malpractice insurance rates for family physicians vary widely by region and scope of practice. For example, in Alabama, family physicians with and without OB paid an average of $29,527 and $8,269, respectively, for malpractice premiums in 2001, roughly a 35 percent increase over the previous year. In West Virginia, family physicians with and without OB paid an average of $63,660 and $18,460, respectively, in 2001, an 18 percent increase over the previous year, according to Medical Assurance Inc.

In response to the situation, which some are calling a medical liability crisis, government and health care leaders are proposing a variety of solutions. Representatives James Greenwood, R-Pa. and Christopher Cox, R-Calif. have introduced legislation in Washington that would help reduce frivolous lawsuits and set caps for damages. Other groups are suggesting that improved patient safety initiatives are the answer. According to Jury Verdict Research, the median medical malpractice award jumped 43 percent in 2000 to $1 million.

Physicians challenge insurers over payment issues

In what has been called a landmark case, Blue Cross and Blue Shield of Georgia has been ordered to publish its fee schedule and method for calculating payments to doctors participating in its plans. The Medical Association of Georgia and four of its physicians filed the lawsuit against the Georgia Blues in 1997 when the health plan refused to provide participating physicians with information on how their payments are determined.

In Texas, the state’s attorney general recently ruled that the Department of Insurance could force insurers to disclose their payment policies to physicians and other providers. Previously, the department had said it did not have that authority.

And in Connecticut, New Jersey, New York, South Carolina and Tennessee, medical associations have filed lawsuits against major insurers, alleging they use illegal methods to delay or deny reimbursements to physicians.

The methods in question include bundling separate services into a single reimbursable service, downcoding claims and using computer software programs that automatically reduce or deny certain kinds of claims, regardless of a patient’s condition.

Why health care costs are rising

Spending on health care insurance premiums rose $67 billion in 2001, according to a new report from Pricewaterhouse-Coopers prepared for the American Association of Health Plans. Nearly a quarter of the increase is attributed to government mandates and litigation.

Source: The Factors Fueling Rising Healthcare Costs. Washington, DC: PricewaterhouseCoopers; 2002.

PRACTICE PEARLS from here and there

Stop penalizing your best staff members

Keep your high-performing staff members motivated by rewarding their work and making sure that those who perform poorly aren’t being enabled, advises Sara Larch, COO of the University of Maryland School of Medicine’s faculty practice and chair of the Medical Group Management Association’s board of directors. Ask yourself whether any of the following are true for your practice:

Are poor performers repeatedly given overtime to complete tasks they should have finished during regular work hours?

Does everyone have the same opportunities to leave early or extend their lunch break when necessary, or do key employees not receive this flexibility because the practice depends so heavily on them?

Do excellent performers continually receive more projects, meaning they do more work than others?

Good employees are hard to find and harder to keep if the system doesn’t reward their additional efforts.

Maguire P. Rightsizing, not downsizing, is key to staffing success.

ACP ASIM Observer. May 2002:5.

PRACTICE PEARLS from here and there

Gracefully close a chatty visit or call

Try the following suggestions the next time you need to end a patient visit or phone call that goes on and on and on

Let the patient know the time limit for the visit is fast approaching. Mr. Doe, we’re coming to the close of our visit today. Do you have a question I can answer before we end?

Try speaking in the past tense. It’s been nice talking with you.

Let them know this isn’t their last opportunity to communicate with you. I’m looking forward to hearing more about your car when you come in for your next visit.

Baker SK. Tips to end visits and telephone calls. Available online at: www.susanbaker.com/tips/endingCalls.html. Accessed May 17, 2002.

Fixing the Medicare fee schedule

Some legislators aren’t giving up. The May 14 CongressDaily reports that House Ways and Means Committee Chair Bill Thomas, R-Calif. has asked that language be attached to two upcoming bills clarifying that the Department of Health and Human Services has the legal authority to correct an apparent statistical error that resulted in this year’s 5.4 percent reduction in physicians’ Medicare payments. The Bush administration contends that only Congress can fix the error, which, if left uncorrected, would reduce physician payments 17 percent by 2005.

Money isn’t everything

Over the past five years, the AMA has spent $83.5 million on lobbying efforts, more than any corporation, interest group or trade association, reports the April 27 National Journal. With all the money being spent to protect doctors’ and patients’ interests, some are wondering why the nation still lacks a patients’ bill of rights and why physicians’ Medicare reimbursements fell 5.4 percent this year. According to the National Journal. the AMA’s poor relations with both political parties and internal strife are to blame.

$10 for your online time

Two-thirds of all adults use the Internet, and 90 percent of Internet users say they want to communicate online with their physicians, according to a recent report from Harris Interactive. Among Internet users, 37 percent would be willing to pay $10 per month on average for the ability to send and receive e-mails to and from their physicians. Over 50 percent said the ability to communicate online would influence their choice of physicians or health plans.

How not to negotiate a contract

Two Colorado physician groups charged with price fixing by the Federal Trade Commission have agreed to settle their case out of court without admitting liability, reports the May 14 Denver Rocky Mountain News. The groups’ 86 physicians were allegedly advised to terminate or threaten to terminate individual contracts with health insurers in order to obtain higher reimbursement rates and better terms.

Prudent prescribing

Nearly 3 percent of prescription drugs approved by the Food and Drug Administration (FDA) between 1975 and 1999 were withdrawn from the market as unsafe, and more than 8 percent required warnings be added to alert physicians and patients of potentially dangerous side effects, reports a study in the May 1 Journal of the American Medical Association. The study’s authors concluded that clinicians should avoid using new drugs when older, similarly efficacious agents are available. Both the FDA and the drug industry have questioned the findings.

Match game

A group of residents has filed a class-action lawsuit against the National Resident Matching Program, alleging that the program and its participating medical organizations and hospitals violate antitrust laws and force residents to accept below-market wages. If successful, the lawsuit could require hospitals and health care organizations to bid for residents’ services, resulting in higher wages and shorter work-weeks.

Are you ready for HIPAA?

Eighty-one percent of California health care organizations have developed a plan for complying with the Health Insurance Portability and Accountability Act (HIPAA), according to a report from the California HealthCare Foundation. However, only 12 percent of the 100 organizations surveyed have carried out their compliance plans and 78 percent believe clarifications or modifications are needed to the HIPAA privacy rules before they can be implemented successfully. Physician groups reported the least progress towards compliance.

What’s good for the goose

Health and Human Services (HHS) Secretary Tommy Thompson, who has been known to take cigarettes away from HHS employees, is continuing his campaign for preventive services and healthier lifestyles, reports the May 7 Philadelphia Inquirer. Obesity, type-II diabetes and tobacco-related illnesses cost the nation $270 billion annually, lamented Thompson, who has done his part to reduce these costs by losing nine pounds this year and lowering his cholesterol by 155 points.

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Best Printers for Business #business #names

#business printers

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Business Printer Reviews, Ratings, and Pricing

Need a printer for your home office or small office? Computer Shopper’s expert reviews will help you find the best business printer for your needs. Our reviews and business printer ratings walk you through the features and specifications to look for when shopping, whether you’re looking for a multifunction all-in-one printer for your home office or the top laser printer for a small workgroup.

EcoTank’s a Lot!

Epson’s $1,199 WorkForce Pro WF-R4640 EcoTank printer speeds along, prints well, and can net you a supremely low cost per page—if you can stomach the initial price.

  • Inking in a New Biz-Printing Flagship

    With an all-new look, HP’s Officejet Pro 8740 packs advanced duplexing and reasonable per-page costs into a solid small-office inkjet.

  • The Inkjet, Accelerated

    HP’s stellar Officejet Pro X Series PageWide printers? Your replacements are here. Can the 2016 PageWide Pro 577dw top the classic Pro X576dw?

  • Mind the Tony Toner

    Pricey toner undermines HP’s Color LaserJet Enterprise M553dn, an otherwise excellent single-function LaserJet that is competitively fast and prints well (surprisingly so, with photos).

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    6 Great Sources for Cheap and Beautiful Business Cards You Can Print #memphis #business

    #cheap business cards

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    If you’re a freelancer or you run a small business, you know that having a great is a valuable asset. However, when you’re just starting out, printing business cards can seem a little out of reach pricewise. It doesn’t have to be like that though. These days, there are dozens of low-cost printers who will do a print run of a modest amount of cards for you. All you need to do is choose your card style, add your details and put in your order.

    There are even places who offer a free trial for your first batch of cards, online business cards to give you a stylish virtual presence and a great deal of variety for printed cards if you’re willing to pay a little. Check out these great options for cheap business cards that we found!

    1. VistaPrint

    VistaPrint have patented a way to do small runs of business cards cost effectively, thus allowing them to offer cards at a very cheap rate (normally £17.99 for 250 cards). In order to let you try them out, they also offer a 250-card print run for free if you are a new customer (but you pay for shipping). You can’t beat that!

    If you’re taking up their free trial, they offer a decent range of designs to choose from and allow some personalisation. If you’re paying for a premium run, you can choose from thousands of designs, plus it’s possible to upload your logo and photos.

    2. Moo

    Moo has made quite a name for itself as a way of creating business cards from social media services like Facebook and Flickr. Moo specialise in creating unique cards for each customer, allowing everyone to design their own cards with their own photography and artwork or to work with templates. Moo also let you use different images on different cards, meaning that in a pack of 50 cards you can have different images on each one!

    We’ve previously reviewed Moo’s quality MOO MiniCards Review and Giveaway MOO MiniCards Review and Giveaway Today, we’ll be taking a quick look at what MOO is all about and we placed several test orders with them to find out how great their print quality is. We’ll also be giving away. Read More. so we know it to be excellent. Business cards can be purchased for £10.99 for a pack of 50 and are offered in a variety of order sizes up to 600 cards for £101.97. If you want to check out Moo’s quality yourself, order a 10-card sample pack for free. It will be exactly like the premium product, but with a Moo logo printed on it as well.

    3. Business Card Star

    Using Business Card Star is more about the design process than anything. They allow users to design cards for printing at home, which is a real money-saver as you design and print your cards for free. Of course, they also offer a printing service with high quality cards, which will probably look more professional than the homemade variety.

    There are plenty of designs to choose from, plus it’s possible to add your own photos and logos. If you’re printing at home, they charge a fee of US$10 to save a PDF of cards with your own photos and logos on them. If you are having your cards printed by them there is no extra fee for using your own images. Print runs start at US$22.95 + shipping and can be shipped to the US or Canada.

    4. Business Card Land

    Business Card Land works in much the same way as Business Card Star, as you can download free PDFs of your business cards for home printing or order professional printing via Business Card Star. The design process and the choice of templates are different though, so it’s worth checking out if you want a little variety.

    5. Biz Card Creator

    Biz Card Creator is yet another free online business card design company, but it has a more limited selection of card styles available. However, if simplicity is your thing, it may be worth trying. They do not offer printing services – in fact, they send you back to VistaPrint if you’re looking to print your cards.

    6. Virtual Business Cards

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    Small-Business Grants for Minorities: 9 Opportunities #small #business #association

    #minority small business grants

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    Credit Cards

    Banking

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    Mortgages

    Loans

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    Credit Cards

    Banking

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    Small-Business Grants for Minorities: 9 Opportunities

    You can trust that we maintain strict editorial integrity in our writing and assessments; however, we receive compensation when you click on links to products from our partners and get approved. Here’s how we make money .

    Minority business owners face challenges when starting or expanding a small business, including access to affordable small-business loans. Grants and financial assistance can help bridge the funding gap.

    Here are some of the best small-business grants and other useful financing resources for minority-owned businesses. NerdWallet also has compiled a list of the best small-business loans for minorities .

    • Grants.Gov . This website allows grant seekers to find and apply for federal funding opportunities. It contains information on more than 1,000 grant programs across all 26 federal grant-making agencies, including the Department of Commerce and the U.S. Small Business Administration.
    • The USDA Rural Business Enterprise Grant Program . This is a grant for the development or expansion of small businesses in rural areas — minority or not. To qualify, you’ll need to have fewer than 50 employees, less than $1 million in revenue and be located in an eligible rural area. Grants range from $10,000 to $500,000.
    • National Association for the Self-Employed . This is a nonprofit association that’s a good resource for all small-business owners. It provides educational resources and grants, and in 2015, it will have awarded more than $48,000 in grants to small businesses. To apply for a grant of up to $4,000, you’ll need to become an active member of the association, provide a detailed explanation of how you’ll use the funds, show how the grant will support your business growth, and provide some supporting documentation.
    • FedEx Small Business Grant Contest . This annual grant contest by FedEx awards 10 small businesses with grants of up to $25,000. Any for-profit small business that has been in operation for at least six months is eligible to enter.
    • Small-Business Innovation Research and Small Business Technology Transfer Programs . These two programs provide contracts and grants for startups that are looking to commercialize innovative biomedical technologies.
    • Minority Business Development Agency . This agency of the U.S. Department of Commerce promotes the growth of minority-run small businesses by connecting owners to financing resources, federal contracts and market opportunities. The White House announced in August that the MBDA would partner with two organizations to launch the Minority Business Enterprise Technology Initiative, which aims to help aspiring technology entrepreneurs bring new products and services to market.
    • National Minority Supplier Development Council . The council is a corporate member organization focused on increasing business opportunities for certified minority businesses. The council also operates the Business Consortium Fund. which offers a variety of financing programs and business advisory services for certified minority-owned businesses.
    • SBA 8(a) Business Development Program . Socially or economically disadvantaged small-business owners are eligible to receive help through this Small Business Association program, which provides business development assistance, training workshops and management and technical guidance. To qualify, a small business must be at least 51% owned and controlled by a citizen who has been subjected to cultural bias or prejudice and placed at an economic disadvantage because of race or ethnicity.
    • Operation HOPE Small-Business Empowerment Program . This program is designed for aspiring entrepreneurs in low-wealth neighborhoods, which often include minority communities. It provides access to small-business financing options, as well as help with setting up a business plan and financial statements, credit counseling and educational resources.

    Find and compare small-business loans

    If you’re looking for financing, NerdWallet has come up with a list of the best small-business loans to meet your needs and goals. We gauged lender trustworthiness, market scope and user experience, among other factors, and arranged them by categories that include your revenue and how long you’ve been in business.

    For free, personalized answers to questions about financing your business, visit theSmall Businesssection of NerdWallet’s Ask an Advisor page.

    This post was updated. It was originally published Dec. 3, 2015.

    Image via iStock.

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    2016 NerdWallet, Inc. All Rights Reserved

    Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.

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    Where can you go for the best business advice? #sell #business

    #small business advice

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    Where can you go for the best business advice?

    Starting a business is an exhilarating experience but can also be quite treacherous, if you’re really sure where you’re going. Luckily there is a wealth of information out there to help you prepare. The only issue is, where to start?

    Ever on the pilgrimage to make your business endeavors easier, we have collated a list of the best places to look for startup and small business advice. The best part is, most of them are completely free.

    1. Startup advice

    Gov.uk provides a range of business and financial support options, including advice on writing a business plan. help with finance and support, loans and Growth Voucher opportunities.

    The government’s Growth Accelerator scheme is also well worth checking out. Eligible small businesses can access coaching and advice, as well as up to £2,000 of match funding per senior manager involved in the strategic direction of the business.

    The government isn’t the only place you can find funding for your business more funding info here .

    Startup Britain is characterised as a “national campaign by entrepreneurs for entrepreneurs” and provides free events and advice for budding businesses. They also work with the government in order to create better initiatives and funding options for startups, which aims to give small businesses the opportunity to have their say.

    99u is online portfolio company, Behance’s effort to “make ideas happen”. The site offers a selection of articles, videos and advice on innovation and creative thinking. If you’re feeling a little depleted and you need some business motivation, 99u is a great place to start.

    2. HR advice for small business

    ACAS provides information, advice, training and other services for employers and employees relating to employment and HR issues. As well as advice and training, ACAS also offers online modules to help you achieve the ‘model workplace’ and get to grips with employment law.

    Early conciliation is a particularly useful section of the ACAS site if you find yourself in a workplace dispute. The free service offers the opportunity to resolve issues without having to go to an employment tribunal.

    HR Zone has a decent mix of informative blog posts, white papers and employment law features. They also have a library and online resource centre, which offers a 14 day free trial for all new members. It is free to join and you will be alerted of all up-and-coming events near your area.

    Human Resource Solutions support small businesses who may not have the capital or need to hire HR professionals. The website offers professionally written free resources, as well as downloadable HR policies and procedures templates.

    3. Accounting advice

    J4b provides funding and grant information to startups and small businesses. The site also offers advice and guidance on relevant awards and tax relief and is easier to navigate than HMRC.

    HMRC is the almighty ruler of all British tax issues and has all of the financial information required to set up your business and manage your finances. It is not the easiest website to navigate so here are some of the most useful areas for you:

    • Starting a business Help and support for new businesses, including what you need to register to get set up, limited company, VAT, PAYE for employers, record keeping ect.
    • Corporation tax Information on how to register, calculate and manage your corporation tax.
    • Import and export Tax laws on international trade, import control system and how to apply.

    The new HMRC section on the gov.uk website is much more user friendly.

    4. Business mentoring services

    Horsesmouth describes itself as “the social network for informal mentoring” and offers the opportunity to sign up to have or be a mentor. They have a specific section on starting a business where you can search for mentors on a variety of subjects including, interviewing, managing people, business plan and investment.

    Mentorsme is designed to help you find a business mentor as quickly and easily as possible. You can also find a range of useful resources on their website, including accounting a business advice, better financial control and how to complete a lending request.





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    How Much Money Is Needed for a Car Wash Business? #best #business #cards

    #car wash business

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    Small Business

    How Much Money Is Needed for a Car Wash Business?

    Although a car wash may be a lucrative business earning as much as $900,000, according to Entrepreneur magazine, it is a business that requires thorough research, a lot of initial work and a large investment. This investment is dependent on the type and size of car wash you decide to build and whether you already have the property lot or not. Building a car wash can take approximately six months to complete, so you need money for administrative and other business expenses for the time you are working but not making any revenue.

    Location

    If you don t already have a location for the car wash, you need to purchase a vacant lot, as this will save you the extra expense of tearing down any built construction. The cost of this lot will vary depending on the size and its location. Preferably, you want to find something on a busy street near a large department store, strip mall and several residential neighborhoods. Because real estate in high-traffic areas is more expensive, expect this type of property to be more expensive than in other areas but also more profitable. Although this cost varies significantly from location to location and state to state, generally expect to pay at least $3 per square foot.

    Construction

    The car wash cost is also influenced by the construction size and type. The average construction is about 1,000 square feet but can be as large as 2,500 square feet. Although cost is a factor when deciding on the size of your construction, a more important consideration should be your potential growth. It is best to start with a construction facility larger than your needs, as this gives you room to grow or expand into other areas within the car wash industry. To get a better idea of the cost of construction, consider using prefabricated car wash construction builders, or consult local architects with car wash building experience to get an estimate on construction. Under-building your car wash results in a longer time for you to recoup your initial investment and opens an opportunity for a competitor to take away your customers by building a larger and nicer facility.

    Equipment

    To plan your budget as accurately as possible, consider the costs of equipment which, according to Inside Self-Storage, can have an approximate cost of $30,000 to $40,000 per bay, depending on the climate and state. However, this is just a general guideline and the cost of this equipment varies depending on the brand, the type of equipment and whether you are building an automatic or self-serve car wash. The best way to assess the equipment cost is to contact various local equipment distributors and compare prices for the equipment you want. Contact distributors through websites like Car Wash Distributors, Car Wash Network or A-OK Equipment. Also look through trade magazines such as Auto Laundry News, Professional Distributor or Modern Car Care to find equipment options and distributor options.

    Cost Estimate

    A car wash involves the cost of the lot, equipment and building construction. Some owners may be able to start with an initial investment capital of approximately $100,000 providing they already own the land where the car wash is built. Otherwise you can expect to invest approximately $80,000 per bay including the cost of the lot and the building construction.





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    10 Steps For Starting a Car Wash From The Ground Up – Tommy Car

    #car wash business

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    10 Steps For Starting a Car Wash From The Ground Up

    As a 40 year veteran car wash equipment manufacturer and site developer, we’ve seen it all. We know what a daunting and potentially confusing process starting a new car wash can be. What comes first? Prospecting site locations? Securing financing? Assessing your market? How soon should you begin marketing? How long will the process take?

    While we certainly can’t cover everything you need to know to start a car wash in a single post, we can take a few words to cover what we feel are the 10 most important steps to launching your own car wash business.

    1) Location is Everything Go Scouting

    Car washes aren’t automatically successful. Great care must be taken when selecting the location on which you want to build. Our Site Model Pages have in-depth descriptions of location criteria to consider (including population, competition, street types, car counts, and more) and our site development services can help you select and approve the best locations available in your area.

    Start by driving around your target area, paying close attention to the relative traffic, types of local businesses, and anything that looks for sale. Get a feel for your potential market. You should also visit a commercial real estate MLS like Loopnet.com or many others. Be sure to take your time and never rush into a purchase.

    2) Review the Competition

    Try to get a feel for the local car washes in the area. How many customers do they have and how aggressively are they marketing? What will they do when you open your wash? Can they afford a multi-million dollar renovation to bring their wash in line with yours? Are they debt free and can they cut prices to outcompete you (with your interest payments) in the short term? Are their customers frequent users and very loyal—or are they waiting for something better?

    Entrenched local competition can be dangerous, even for Totally Tommy buildings, and selecting a location with some elbow room between you and competitors is important. But don’t worry too much about single stall automatic car washes or local fundraisers—you’ll be working in a completely different weight class.

    3) Do the Paperwork

    Find out what local city or county department handles business licenses and request an application, as well as information on local utility usage codes, insurance requirements, tax rates, and other requirements for opening a business. You will also need a Taxpayer Identification Number and you should use the U.S. Patent and Trademark Office’s trademark search tool to check your brand then register to claim it.

    Each area and city has different rules, so make sure you take the time to understand everything and keep your business in line. If you can, also get information on local sanitary sewers (for your waste water), utility prices, water usage limits, and other regulations.

    4) Planning and Approval Process

    Set up a meeting with the city planner. Show them a rendering of your concept and try to get verbal approval of the design—or a list of probable issues to address. If you have approval you can set up a formal meeting to present your plans and have them voted on at a city council meeting. With luck, your Totally Tommy building with its modern style, efficient design, and great investment potential will blow them away! Try to be friendly, optimistic, and down to earth. If the city gets on board with your project it can make the whole process move along more smoothly.

    5) Research Car Washes

    Tour as many successful car washes as possible to see what makes them tick—especially if you haven’t been in the business very long. Check out automatic car washes, partially automatic, express, detailing, and other washes to see how they differ from one another. Operations, promotions, pricing, services, demographics… Try to learn as much as you can and develop as deep a background as you can with operations, staffing policies, equipment repair, and customer management (aka, complaints ).

    To help out, our team has training available to teach you everything you need to know BEFORE you’re trying to run your wash on hot days with long lines.

    6) Operations Decisions

    Will you run your car wash independently or will you have a franchise, LLC, or S-corp? There are many models, each with pros and cons. Franchises offer support at the cost of a residual. Solo operations offer total freedom but deprive you of much-needed backup and brand awareness. How much personal involvement are you looking for? If you plan on hiring a manager instead of handling things yourself, make sure he or she has the necessary qualifications and is heavily invested in your future success.

    7) Make a Business Plan!

    Your car wash business plan (click for outline) should focus on both long term and short term operations. Use a professional service and remember that the more detailed, thorough, and researched your plan is, the better it will look to investors or your bank. Include costs (up front and overhead costs), planning for building to long-term revenue management, and marketing strategies (launch and long-term). Professional proforma companies are ready to help and our team is also standing by with years of experience to back up our advice.

    8) Get Financing

    This is likely the most challenging step, and your success here will largely depend on how well you’ve researched and prepared your business plan ahead of time. A solid revenue model can help convince investors to put up the capital for your new car wash business, so be prepared to demonstrate that you need enough funding for a truly high quality car wash facility and equipment with great return potential. You will also need a convincing resume with business and/or car wash experience, and a solid marketing plan.

    9) Build the Right Wash

    Car washes thrive when they capture the attention of the local market and are designed to make turning in, purchasing a wash, and moving through the tunnel as quick and easy as possible. The Totally Tommy building is the best way to do just this, drawing huge numbers of passing customers with a great looking building, perfected layouts, and a full and fast service menu. Proven in scenarios around the country, every component of this facility design has been carefully thought out to create a single, cohesive investment that pays off. From our towers to our pay system, deceleration lanes, glass walls, stainless steel equipment, and clear roof, everything is designed to project sophistication, professionalism, and value. So why waste money reinventing the wheel, and why risk building a second-best wash when a Totally Tommy wash is waiting for you?

    10) Market your New Business

    Customers don’t know what they don’t know, so don’t just expect them to line up without any effort on your part. Make sure to let the community know about your wash ahead of the grand opening with onsite advertising as well as print, radio, local web, and possibly TV advertisements. You’ll begin to build a curious customer base who will drop buy and tell their friends and family afterwards. $15,000 or $1 / car for initial marketing including billboards, mailings to 5 mile radius, promotional washes, and radio commercials is a good place to start at your launch and $.10 / car is a standard ballpark long-term rate for the future. One or two day Social media campaigns (incentivize customers with free washes for best results) can also be highly successful. Be prepared to collect feedback and adapt your marketing program for the greatest possible effectiveness moving forwards.

    Launching any business, and especially a brick and mortar car wash filled with high-end technology, is a complex and daunting prospect. But don’t worry. The team at Tommy Car Wash Systems has hundreds of washes behind us with thousands of installations and developments. We know the steps you’ll need to take to get your wash planed, approved, built, and operational, and we’ll help you turn a fantastic business opportunity into an even better reality.

    Tommy Car Wash Systems

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