Tag: Own

Buy a business or start your own? Canada Business Network #business #name #generator

#own your own business ideas

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Buy a business or start your own?

Starting a business from scratch can be overwhelming for first-time entrepreneurs. If you have a great business idea and are ready to work hard to build it from the ground up, then you may wish to start your own business. But if you want to hit the ground running and avoid some of the common start-up pitfalls, then buying an existing business or a successful franchise may be a better option for you.

Starting your own business

  • Complete freedom to design and manage the business according to your vision.
  • Not bound by anyone else s rules, history or assets.
  • Opportunity to carve out a new niche in the market.
  • Can be less expensive than buying a successful business.
  • Can take time to become profitable.
  • There is no guarantee of business success and a high rate of failure for new businesses.
  • Can be more difficult to get financing because lenders or investors are taking a risk with your idea.

Buying an existing business or franchise

  • Benefit from the work that has already been done on building a brand, developing customer relationships, developing business processes and acquiring assets.
  • Can start bringing in profits more quickly.
  • Can be easier to get financing because the business model is proven.
  • The upfront investment is often higher than if you were starting your own business.
  • The previous owner and/or franchisor s business model and way of doing business may not be a perfect match with what you envision.

Learn more

If you are considering buying a business, these documents will tell you what to watch out for and help guide you through the process.

When you’re setting up your business, you need to ensure that all of your bases are covered. Consider the following steps as you navigate through the business start-up phase.

Find out what you need to know before buying a business: where to look, how to evaluate potential acquisitions, and what a fair price would be.

Learn more about buying a franchise as an option for starting a business.

Find out how to write a business plan and access templates, sample business plans, market research information and statistics.

Was this information useful?

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Business Cards – Make Your Own Custom Cards #starting #a #small #business

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Build Your Own Electric Car #build #your #own #electric #car,electric #car #conversion,electric #car #conversion

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Build Your Own Electric Car

You can build your own electric car. if you can manage to change your own oil and wiper blades. It takes a little know-how, but it’s not rocket science. Here are the steps:

  1. Read everything you can find on the subject when you build your own electric car;
  2. Find somebody who’s already done it to look over your shoulder. Join the local Electric Auto Association and find yourself a mentor!
  3. Get yourself a donor vehicle (that’s the gas-guzzler whose guts you’ll be ripping out) that has the nice qualities of:
    • Being fairly lightweight. Reverend Gadget at Left Coast Electric swears he can convert everything from a Hummer to a snowmobile, but then, he’s the good Reverend Gadget, who’s been converting gas vehicles to electric since Ben Franklin first got the dotty notion to fly his kite in a thunderstorm. You’ll get most bang for your battery buck if you think “light and aerodynamic”.
    • Possessing a manual transmission. This is first of all because a transmission is just not all that necessary with electric car motors ; they won’t stall if you start them in the highest gear, and they just don’t operate the same way as that petrol-puffer does: they use a controller (DC) or an inverter (AC) to tell your electric motor to go backward/forward slower/faster instead. An automatic transmission just takes a big chunk of the available motor horsepower and just TOSSES it right out the door. and who needs that? Also, the donor with a stick-shift may well be CHEAPER. That’s just about NEVER a bad thing; )
    • Not a rust-bucket. You’re going to go to a certain amount of trouble and expense when you build your own electric car. so why put new guts into a rotting hulk?
    • Having lots of room for batteries somewhere — preferably NOT in the passenger compartment. You’re going to want to be able to get to them fairly easily for maintenance or whatever, and you’re going to want to be able to pin them down somewhere solidly, and you’re going to want to distribute their weight fairly evenly. A pick-up bed is pretty darned handy for all this. and finally,
    • Not being so exotic that you’ll never find replacement brakes except on e-bay. My uncle Chuck converted one of the first Subaru trucks (I didn’t even know Subaru made trucks, did you?) to electric – picked it up for a song without a working engine. Great donor, right? No.

The parts are practically impossible to get, and of course they won’t be interchangeable with any other parts, like Toyota or whatever. Right? So the brakes went out eventually, as brakes will, and to replace them would cost more than the car did.

so he went out and got a Zap Xebra pickup instead. (Notice the carbon-based fuels are in the BACK?)

  • Because the components are already best for electric cars (Uncle Chuck used, I think, some airplane motor or other. Boeing Surplus comes to mind. It wasn’t bad, and the truck ran for a long time, but. well, he’s got the LEAF now, doesn’t he?)
  • the system’s already been road-tested, it works;
  • all the component parts are already designed to work together;
  • it’s already put together by people who know what they’re doing;
  • it already fits the dimensions of your car. You can tell them what you’re converting and they’ll sell you the appropriate kit ;
  • the costs are reasonable – they won’t charge you an arm and a leg for a conversion kit.

When you choose a conversion kit, the first decision will probably be between an AC or DC motor. Here’s a discussion of the pros and cons of AC and DC motors. and why I favor the AC motor for conversions.

  • Cultivate a relationship with a machinist when you build your own electric car. Unless you ARE a machinist, of course, and have all the large machining tools in your garage, you’re going to need one. The transmission adaptor plate and the assembly that fits motor to the transmission requires precise machining or you’re going to be very unhappy with your conversion for as long as it lasts.
  • Get somebody else to yank out the engine. In every town are businesses that are skilled, experienced, and well-equipped to pull 700 pound engines out of automobiles – called auto repair shops. Let them do it. It costs a few hundred bucks, and it’s money well spent.
  • Get yourself a place to work when you build your own electric car that’s clean, heated, well-lighted, and dry. Then, plan to be there a while. Here’s why: while it is fairly straightforward to yank your gas-guzzler’s tender bits out and replace with clean, non-greasy electrical things, there are many places for the project to get hung up in the waiting phase. That fancy controller might take a while getting through customs in New York while the bomb-sniffing dogs give it a good going over, for example. (Hey, it happens!)

  • Work out a parts delivery schedule. If you know you’re going to have to build your own electric car on nights and weekends, don’t buy all your conversion parts at once and have them all sitting around waiting for you to pull one thing out, get it cleaned up, get it out the door. This is where an EV mentor really comes in handy, they can help you split up the project into bite-sized chunks. (Note: If you’re getting a complete electric car conversion kit, skip this step. It’s all delivered at once.)
  • Learn online. As you may have already discovered, not everybody on every electric car discussion list knows what they’re talking about; ) You can find good information at:

    • My website’s conversion question and answer section. especially for beginners (or non-engineers);
    • The DIY electric car forums ;
    • The EV Discussion List ; and
    • The EV Photo Album. where people post pictures of their conversions and links to their blogs.

  • Blog. Somebody out there will really appreciate the opportunity to learn from your experience. Especially your mistakes; the best EV blogs are the ones where people are brave enough to admit they messed something up or didn’t understand something right. If somebody helped you build your own electric car, your EV blog pays it forward by helping the next guy.
  • YouTube. A surprising number of excellent YouTube videos have been made by people converting their cars to electric – you can find them by searching for “electric car conversion” (or similar) on YouTube. Here’s an electric Suzuki Samurai series that I particularly like.

    Don’t bother with the ones that show you how to run your car on water for less than $500, btw. I know, I probably didn’t have to say it, but the scam makes me mad.

  • You Tube Videos

    Tom G.’s Neon conversion

    Paul Holmes’ Electric VW Bug

    New Book!

    Cheap Electric Cars

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

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    Arizona Probate Services #arizona,probate,services,do #it #yourself,informal,formal,small #estate,affidavits,paralegals,low #cost,fast,easy,cheap,experienced,legal,papers,probatecourt,phoenix,save,money,filings,court,fees,how #do #i #get #appointed #as #executor,do

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    A commonly asked question is: Do I need an attorney for Arizona probate?

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    At Arizona Probate Services, we will discuss your situation with you. If we are uncomfortable about preparing the documents for your particular situation, we will recommend you seek legal counsel. We will always be honest and upfront with you. Integrity and a commitment to quality is the foundation of our business.

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    Rent to Own Homes – Pros and Cons, Tips and More #pros #and #cons

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    Rent to own homes: When it’s not time to buy

    Just a few years ago, you hardly ever heard the term “rent to own” in a market where homeowners had multiple bids from which to choose. But now, it’s a different ballgame. Homeowners may be more willing to work out rent-to-own agreements, even with people who would be turned down for home loans.

    A rent-to-own contract requires prospective buyers to pay monthly rent to the homeowner, with a portion of it going toward a home purchase at a later date. This contract usually lasts two to five years at which time both parties start the standard home purchase, said Rich Arzaga, a financial planner in San Ramon, California, who has taught commercial real estate investment at University of California, Santa Cruz.

    “If you’ve had your house on the market for a while, this transaction could let you move while having someone in your house generating cash flow for your mortgage,” said Ron Phipps, past president of the Washington D.C.-based National Association of Realtors.

    For wishful homebuyers with checkered credit histories, it’s a homebuying option worth considering, said Sam Tamkin, a real estate attorney in Chicago. “You may be unable to qualify for a loan right now, but there are sellers who may be willing to consider renting to you with an option to purchase later.”

    Pros and cons for both parties

    Besides having time to build up a down payment and good credit record. renters have the advantage of “trying out” the house and neighborhood, said Arzaga. “You can also lock in the sales price and terms upfront, allowing you to purchase the house at a below-market price in a few years,” he says.

    Not all the money you pay in rent will go toward the down payment. “Mortgage lenders are the ones who decide how much of your rent payments are credited toward the down payment and closing costs,” said Phipps. Most lenders will only allow a credit for an amount paid above the market rate for local rentals to be held for eventual homebuying costs.

    For example, the house could be rented by its owner for a standard rent of $1,750. But when negotiating the rent-to-own contract, you and the homeowner can agree that you will pay $2,000 a month, with $250 as your homebuying credit. At the end of a three-year lease, you’ll have $9,000 set aside. That money is returned to you at the time of settlement and can be used for your earnest-money deposit, down payment or closing costs.

    If you decide not to buy the house at the end of the lease, you probably won’t get a refund. That money is usually only returned to you when you buy the property, said Phipps.

    For sellers, the advantages are having an eager buyer and a long-term renter who will care for the house more than the standard tenant. However, there’s a risk of the renter opting out of buying your house at lease’s end, making you go through the listing process again, Tamkin said.

    “This transaction gives the buyer (the advantage) to lock in the price in advance, but if the home value goes down, he can choose to renegotiate the deal or move on,” said Tamkin.

    Buyers could also get the upper hand — and sellers, the disadvantage — if the home’s value rises more than expected. Say the house is currently valued at $200,000 and the buyer and seller agree to a purchase price of $230,000 in three years. If the home ends up worth $250,000 in three years, the seller loses that extra $20,000.

    What to put in the contract

    There’s no standard rent-to-own contract; each one is negotiable. This arrangement can be complex, and every state has its own regulations. Sellers and buyers should consult with an attorney or real estate agent beforehand to understand the financial implications, said Tamkin.

    Renters also should meet with a mortgage lender at the start of the rent-to-own agreement so they know what it will take to qualify for a loan. Before you sign a rent-to-buy deal, pretend you’re buying the house outright, Phipps said. Get an appraisal and a home inspection. Phipps recommended checking with a listings broker to ensure the house isn’t in foreclosure or a short sale.

    “Include terms stating that your rent money goes toward real estate taxes, mortgage and insurance to avoid foreclosure,” said Tamkin. “Have an attorney review the title to the home to determine there are no impairments that will prevent you from purchasing the home.”

    On the seller’s side, Tamkin recommended contract terms that include a security deposit and rights to evict the tenant should he stop making payments.

    Other details to spell out are how the money will be held by the sellers and under what conditions the sale will take place. Tamkin said both parties also should consider maintenance, repairs and home improvement, and who pays for them.

    There may be negatives about rent-to-own deals, but there can be upsides for both parties.

    “Someone who can cover your home expenses is better than having a vacant home,” said Tamkin. “And it’s a stepping stone for renters who dream of owning their own home.”

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    The Pros and Cons of Owning a Swimming Pool Home #pros #and #cons #of

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    The Pros and Cons of Owning a Swimming Pool Home

    Doesn’t everyone love homes that have swimming pools. The relaxation and the fun activities that the kid’s can enjoy in the summer time is the appeal. While others would argue that the upkeep and safety risks should be taken into account by home owner’s before they purchase a swimming pool home. Swimming pools are a luxury for some, and a necessity for others. If you’re considering buying a swimming pool home, or plan to have one built, look at the pros and cons of being a swimming pool owner.

    RECREATION: Whether you live in warm or cool climate, swimming pools usually can be enjoyed by home owners at least 3 months out of the calendar year. For those that have indoor pools, the weather has no bearing on their use.

    PROS : Swimming pools are a great way to get exercise for adults and children. The added benefit of no impact exercising on the body is a plus over impact filled activities. Kids and adults alike, enjoy playing and relaxing around a pool. Summer time pool parties or a late night swim is always enjoyable when you own your own pool.

    CONS : Swimming pools can be dangerous around children and those who don’t know how to swim. If you choose to own a swimming pool you should have the proper safety fencing, and door locks installed on your home. The homeowner can be held responsible for injuries caused in their pool by neighbors, or friends.

    Collect this idea

    COST: Swimming pools are a costly investment. Buying a home that already has a pool is cheaper than having one installed later on.

    PROS : In the current building construction economy, having a swimming installed is much more affordable than years ago. The benefit of the cost is also in resale appeal of your home. A home buyer will likely be more attracted to yours, than one without a pool.

    CONS : When selling your home, you may not receive back the amount invested in it. This means that if costs $50,000 to have it installed, you cannot just add $50,000 on to your asking price. Remember, all home upgrades and renovations equate to what the current market demands are in your area. Only a residential appraiser can tell you how much increase your swimming pool is worth at the time of resale.

    Collect this idea

    MAINTENANCE. The upkeep of a swimming pool requires time, chemicals and pool care knowledge.

    PROS : Many swimming pool owners know pool maintenance and keep their pools pristine. If you plan on buying a home without prior pool maintenance experience, do your research first before committing. There are plenty of professional pool companies that provide maintenance as a service. Consider using them if you don’t want the responsibility.

    CONS : If you don’t take care of your pool, health and safety issues can arise. Proper chemical use is required to keep water PH levels accurate. Improper use can lead to swimmers getting ill, or algae and other bacteria forming in the pool.

    Swimming pools can be a beautiful addition to your home. With proper knowledge and research your home can benefit from a pool. Do your homework on the front end, to find out if owning a swimming pool home is right for your family.

    Compelling arguments for both sides. Well written. I personally would have to lean towards the PROs vs. the CONs but I m a pool lover. A lot of it comes down to education.

    There are both pros and cons and definitely more cons ( if you look in detail) of owning a pool home. The maintenance factor cannot be overlooked. I used to get my pool cleaned by the staff from Ferarri Pools every month to ensure that kids are safe.

    I ve been wanting to install a pool with my husband in our new home, so I m looking up the pros and cons to make sure we re completely prepared and know for sure whether or not it s worth the investment. At this point, it might not be something we re willing to invest in, but it s thanks to articles like this that provided the info we needed

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    Buy a business or start your own? Canada Business Network #new #business #idea

    #own your own business ideas

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    Buy a business or start your own?

    Starting a business from scratch can be overwhelming for first-time entrepreneurs. If you have a great business idea and are ready to work hard to build it from the ground up, then you may wish to start your own business. But if you want to hit the ground running and avoid some of the common start-up pitfalls, then buying an existing business or a successful franchise may be a better option for you.

    Starting your own business

    • Complete freedom to design and manage the business according to your vision.
    • Not bound by anyone else s rules, history or assets.
    • Opportunity to carve out a new niche in the market.
    • Can be less expensive than buying a successful business.
    • Can take time to become profitable.
    • There is no guarantee of business success and a high rate of failure for new businesses.
    • Can be more difficult to get financing because lenders or investors are taking a risk with your idea.

    Buying an existing business or franchise

    • Benefit from the work that has already been done on building a brand, developing customer relationships, developing business processes and acquiring assets.
    • Can start bringing in profits more quickly.
    • Can be easier to get financing because the business model is proven.
    • The upfront investment is often higher than if you were starting your own business.
    • The previous owner and/or franchisor s business model and way of doing business may not be a perfect match with what you envision.

    Learn more

    If you are considering buying a business, these documents will tell you what to watch out for and help guide you through the process.

    When you’re setting up your business, you need to ensure that all of your bases are covered. Consider the following steps as you navigate through the business start-up phase.

    Find out what you need to know before buying a business: where to look, how to evaluate potential acquisitions, and what a fair price would be.

    Learn more about buying a franchise as an option for starting a business.

    Find out how to write a business plan and access templates, sample business plans, market research information and statistics.

    Was this information useful?

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    Homeseller – s Checklist: Expenses to Expect When Selling Your Home #selling #your #own

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    Homeseller s Checklist: Expenses to Expect When Selling Your Home

    Strategize for a quick and successful home sale with this all-in-one guide

    In fact, if you start planning ahead of time, you may find ways to reduce some of the costs, perhaps by handling some tasks yourself or getting lots of competing bids for work.

    Before the Sale: Expenses to Expect

    Here are the typical upfront expenses. Some are a matter of choice, yet may be important investments in making sure your house sells for the highest amount possible — or sells at all.

    1. Painting. A new paint job is one of most cost-effective ways of freshening your house up, inside and out. If you’ve recently painted, this is less important — though if your color choices were bold or unique, you might want to tone them down with some crowd-pleasing neutrals. Your stager, if you hire one (see below) can help advise on the best colors. You can save some money by doing some of the painting yourself — hiring someone will quickly run into the thousands of dollars.
    2. Window washing. When did you last wash them — especially on the outside panes of upper floors? Sparkling windows make a surprisingly large difference to buyer perceptions. Hiring someone will cost a few hundred dollars, depending on the size and height of your home.
    3. Fixups. Which fixups are necessary (such as replacing cracked windows or stained carpeting) and which (such as major remodels) should be left for the buyer to handle is a separate discussion in itself. But there’s practically no house that couldn’t use some quick maintenance to make sure it looks well-cared for and leaves fewer items for a home inspector to comment on.
    4. Staging. It’s de rigeur in some parts of the United States, and less known in others — but staging your home, or having a decorator help declutter, reorganize, and in some cases refurnish it after you’ve moved your stuff out, can help impress buyers in a big way. In fact, studies show that buyers pay more for staged homes. Expect to pay a professional stager a few thousand dollars for their services (a bit less if some of your own furniture is usable.) For more on this topic, see Nolo’s article Is Hiring a Home Stager Worth the Cost? .
    5. Adding decorative or new items to your home (if you’re not hiring a stager). Even if you decide to save money by staging your own home, you’re almost guaranteed to have to buy things like a new doormat, new plush towels for the bathroom, flowers for the showings, and more, depending on what your house needs. Other likely possibilities include new couch cushions, area rugs, a nice table runner, and artwork to replace your wall of kids’ photos.
    6. Landscaping. Buyers are increasingly interested in the state of your garden. If it’s already fully planted, you’ll want to hire someone (or put in some sweat equity) to get it raked, pruned, and otherwise tidied up. If the area hasn’t already been landscaped, plan to add some new greenery and flowering plants. (By the way, if you plant in containers, you can take the containers with you when you move — unless they’re so big or incorporated into the property as to be considered “fixtures.”) Many sellers simply put in new sod — but do the buyers a favor and don’t leave the plastic mesh backing on it, in case the buyers want to replace it with something more interesting and environmentally friendly.
    7. Pre-inspection reports. Having a professional inspect your house for either termite/pest damage or other structural matters isn’t required. nor expected in most parts of the United States. Buyers expect to pay for their own inspectors, and in fact will probably want to hire ones they know and trust regardless of whether you’ve had the property inspected first. Yet there are situations where you might want to have the house inspected before letting buyers in — for example, if you’ve owned the property for many years and wonder whether any problems have arisen “below the hood” that you’re oblivious to, and would perhaps prefer to fix before buyers have a chance to get upset about them. Inspections will run you upwards of $200.
    8. Lights and heat while the house sits empty. If you’ll be moving out before putting your house on the market, expect to pay double utilities for a while. You’ll want to leave the lights and heat on in the house for sale, or program them to stay on during any hours that potential buyers and their agents may be stopping by the place. No one likes to enter a cold, dark house and fumble around for the light switches. Check your current bills for approximately what to expect.
    9. Extra homeowners’ insurance for the vacancy period. Check with your homeowners’ carrier. Your insurance may not apply when the home is “vacant,” which term will be defined in your policy. You can ask for a rider to cover any period of vacancy.

    At Closing: More Expenses to Expect

    The good news is, most of what you’ll be paying out at closing will come out of the sale proceeds. The bad news is, you’ll be saying goodbye to some big dollars.

    1. Real estate agent commissions. You, as the seller, will likely be paying the entire 5% – 6% commission, to be split between the buyer’s agent and yours. For ways to reduce this figure, see Nolo’s article Negotiate the Agent’s Commission When Selling Your House .
    2. Other closing costs or credits to the buyer. You might have agreed — based on local tradition or buyer negotiation — to pay various of the standard costs associated with closing the deal, such as fees for the escrow company; the mortgage and home appraisal; recording and transfer of the property; homeowners’ and title insurance; and more. If your local real estate market is sluggish, buyers may also ask you to pay all or a hefty portion of the closing costs, which typically add up to 2% to 4% of the selling price.
    3. Transfer tax. Your city or state may require you to pay transfer taxes, as a small percentage of the sale price.
    4. Home warranty for the buyer. Whether because the buyer requests it or to make the buyer feel secure about the home purchase, many sellers buy a home warranty on the buyer’s behalf. This is a service contract that covers repairs to appliances and certain systems within the house for the first year of ownership. It will cost about $500.
    5. Capital gains tax. If you earn less than $250,000 on your home sale (or $500,000 if you’re married and filing jointly), don’t worry — you won’t owe a thing in the way of capital gains taxes. But if you earn more than that, you’ll want to look further into the matter. Once you’ve subtracted things like the costs of preparing the property for sale from the supposed gains, you may not owe the tax. For more information, see Nolo’s article Avoiding Capital Gains Tax When Selling Your Home: Read the Fine Print .
    6. Moving costs. Asking your friends with pickup trucks to help can save you some dough — but will take a lot more time. Sometimes it’s worth paying for the deluxe treatment, where the company packs your boxes for you, transports them to the new location, and unpacks at the other end.

    For more information on all aspects of marketing and selling your home, see Selling Your House: Nolo’s Essential Guide .

    Talk to a Real Estate attorney.

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