Tag: You

Kelly Clarkson – Because Of You lyrics, kelly clarkson because of you.#Kelly #clarkson

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Because Of You lyrics

I will not make the same mistakes that you did

I will not let myself

Cause my heart so much misery

I will not break the way you did,

You fell so hard

I’ve learned the hard way

To never let it get that far

I never stray too far from the sidewalk

I learned to play on the safe side so I don’t get hurt

I find it hard to trust not only me, but everyone around me

And it’s not too long before you point it out

Because I know that’s weakness in your eyes

I’m forced to fake

A smile, a laugh everyday of my life

My heart can’t possibly break

When it wasn’t even whole to start with

I never stray too far from the sidewalk

I learned to play on the safe side so I don’t get hurt

I find it hard to trust not only me, but everyone around me

I heard you cry every night in your sleep

You should have known better than to lean on me

You never thought of anyone else

You just saw your pain

And now I cry in the middle of the night

For the same damn thing

I never stray too far from the sidewalk

I learned to play on the safe side so I don’t get hurt

I try my hardest just to forget everything

I don’t know how to let anyone else in

I’m ashamed of my life because it’s empty

hot lyrics

Kelly clarkson  because of you

Kelly clarkson  because of you

Kelly clarkson  because of you

Kelly clarkson  because of you

Kelly clarkson  because of you

Kelly clarkson  because of you

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    I really love this song because its so. Heartfelt. You can just feel it. She s saying that she s screwed up now because she let you influence her so much, and now she s afraid to trust anyone. God I know how that feels. It really sucks. I m glad she has songs like this and not just the pop fluff I would have expected from ai.

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Welcome to Holland #italian #for #you #re #welcome

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WELCOME TO HOLLAND

by
Emily Perl Kingsley.

c1987 by Emily Perl Kingsley. All rights reserved

I am often asked to describe the experience of raising a child with a disability – to try to help people who have not shared that unique experience to understand it, to imagine how it would feel. It’s like this.

When you’re going to have a baby, it’s like planning a fabulous vacation trip – to Italy. You buy a bunch of guide books and make your wonderful plans. The Coliseum. The Michelangelo David. The gondolas in Venice. You may learn some handy phrases in Italian. It’s all very exciting.

After months of eager anticipation, the day finally arrives. You pack your bags and off you go. Several hours later, the plane lands. The stewardess comes in and says, “Welcome to Holland.”

“Holland. ” you say. “What do you mean Holland. I signed up for Italy! I’m supposed to be in Italy. All my life I’ve dreamed of going to Italy.”

But there’s been a change in the flight plan. They’ve landed in Holland and there you must stay.

The important thing is that they haven’t taken you to a horrible, disgusting, filthy place, full of pestilence, famine and disease. It’s just a different place.

So you must go out and buy new guide books. And you must learn a whole new language. And you will meet a whole new group of people you would never have met.

It’s just a different place. It’s slower-paced than Italy, less flashy than Italy. But after you’ve been there for a while and you catch your breath, you look around. and you begin to notice that Holland has windmills. and Holland has tulips. Holland even has Rembrandts.

But everyone you know is busy coming and going from Italy. and they’re all bragging about what a wonderful time they had there. And for the rest of your life, you will say “Yes, that’s where I was supposed to go. That’s what I had planned.”

And the pain of that will never, ever, ever, ever go away. because the loss of that dream is a very very significant loss.

But. if you spend your life mourning the fact that you didn’t get to Italy, you may never be free to enjoy the very special, the very lovely things. about Holland.





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NET10 Wireless Smart Phones – Alcatel, Motorola, Samsung, HTC, Nokia, LG, Emporia, CAT, Catepillar,

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SMART PHONES

Connect With Us

International service available for calls originating from U.S. and Puerto Rico only. No international roaming. Personal use only. IMPORTANT NOTICE FOR CUSTOMERS CALLING MEXICO: Unlimited Calls to cellular phones in Mexico, China, Canada and India every 30 day service period. To minimize unreasonable use, each mobile phone will be allowed to call up to 15 unique destination numbers per 30-day period. The number of personal use calls to these unique destination numbers is not limited and automatically resets when the Account is renewed. Other restrictions apply. NET10 reserves the right to terminate your service for unauthorized or abnormal usage. International service available to select destinations which are subject to change at any time. See Terms and Conditions of Service at www.net10wireless.com for complete details.

*At 2G speeds, the functionality of some data applications such as streaming video or audio may be affected. ††To get 4G LTE speed, you must have a 4G LTE capable device and 4G LTE SIM. Actual availability, coverage and speed may vary. LTE is a trademark of ETSI. Please refer always to the Terms and Conditions of Service at NET10Wireless.com.

All offers are subject to change or discontinuance by Net10 at any time without further notice. Net10 reserves the right to limit quantities and to reject or cancel orders in its sole discretion. Product not for resale or distribution.

A month equals 30 days.
◊ Your leased device is covered by the Handset Protection plan.
◊◊ Varies by individual plan you are approved for.
** For no credit score path, FICO score will not be used to determine eligibility, but credit information and consumer reports will still be reviewed. Approval not guaranteed.

NET10® is a registered trademark of TracFone Wireless, Inc. 2017, a subsidiary of America Movil. All other trademarks, service, marks, and trade names referenced in this site are the property of their respective owners.





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How to Become a Social Worker #what #degrees #do #you #need #to #become #a

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How to Become a Social Worker: Education and Career Roadmap

Should I Become a Social Worker?

People interested in helping others work through difficult life situations may want to consider a career in social work. Social workers provide direct services or clinical counseling to help clients assess and change harmful or unhealthy situations. They work in a variety of settings including nursing homes, hospitals, private practices, schools, and community mental health clinics. Caseloads may be heavy, causing stress and long work hours for many social workers. However, social workers can rest assured knowing their services are having tangible benefits for their clients.

In addition, a Masters in Social Work (MSW) is a very versatile degree which can be used as a stepping stool for other career tracks including public health and policy. Most entry-level positions require a Bachelor of Social Work (BSW). An MSW is necessary for other positions, including that of clinical social worker. All states have associated licensure or certification requirements. The following table describes some of the typical qualifications necessary for this career.

Find schools that offer these popular programs

  • Adult Development and Aging
  • Child Care Management
  • Child Care Services
  • Child Development
  • Community Organization and Advocacy
  • Family and Community Services
  • Family Systems
  • Human Development and Family Studies
  • Social Work
  • Youth Services

$59,100 (Median annual salary for social workers)

Sources: U.S. Bureau of Labor Statistics, Job postings by employers (August 2012)

Step 1: Earn a Bachelor’s Degree in Social Work

BSW programs prepare graduates for direct-service positions, such as mental health assistant or caseworker. Coursework includes social welfare policy, social work methods, applied research, child welfare, and social work for the aged. All BSW programs contain an internship or supervised fieldwork component, providing students the opportunity to develop practical skills in areas important to the profession, such as understanding group dynamics, interviewing, decision-making, and problem-solving.

Success Tip

  • Develop strong communication skills. Social workers must develop productive and healthy relationships with their clients and co-workers in order to work effectively. While in school, students can take advantage of internships and supervised fieldwork to learn how to interact with a variety of clients.

Step 2: Consider a Master’s Degree

An MSW can be undertaken with any undergraduate degree, though some programs may require certain prerequisite coursework in related areas, such as psychology and sociology, for applicants not holding a BSW. The MSW is required to become a clinical social worker or to work in schools or the healthcare system. These degree programs typically take two years to complete (though some programs offer more flexible 3 and 4-year degree plans) and prepare students for advanced practice in their specialties.

Students in these programs have a variety of concentrations and specialties to choose from, including mental health, families and children, global practice, older adults and families, and behavioral and physical health. Students may expand on professional components of social work, such as clinical assessment, caseload management, and leadership skills. Completion of an internship or supervised practice is required of all MSW students.

Success Tip

  • Gain experience in a high-demand specialty. According to the BLS, social workers in healthcare, mental health, substance abuse, children, families, and schools are expected to have the most favorable opportunities for employment. Working in these areas, even with a BSW, can provide the necessary experience through which to develop a specialty.

Step 3: Become Licensed

According to the BLS, all states have licensure or certification requirements for becoming a social worker. Licenses for non-clinical social workers are usually optional; rules vary for each state and can be found through the Association of Social Work Boards. State licensing requirements for clinical social workers typically involve 3,000 hours or two years of clinical experience along with completion of the MSW.

Step 4: Consider Credentialing

The National Association of Social Workers (NASW) offers voluntary credentialing at three levels for MSW-educated social workers. Each credential has varying eligibility requirements that may include specific hours of continuing professional education, clinical social work experience, and professional evaluations from colleagues.

There are also voluntary specialty certifications for both bachelor’s- and master’s- educated social workers in clinical social work, healthcare social work, gerontology, and several other areas, which may improve employment prospects.

Step 5: Maintain Licensure and Credentials

Social work licensure and certification, including specialty certification, must be maintained by completing continuing education courses. Requirements for the number of hours and the types of courses that can be taken vary for each state. By maintaining these credentials, social workers will continue to create career possibilities for employment and ensure that they remain employable.

Next: View Schools





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Boston Criminal Lawyer – Suffolk County Criminal Defense Attorney – Urbelis Law, LLC #urbelis

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Boston Criminal Lawyer

Urbelis Law, LLC is a Boston-based criminal defense law firm representing individuals and businesses throughout the Commonwealth of Massachusetts. We also handle all federal criminal matters in the United States District Court for the District of Massachusetts. Our firm is dedicated to not only understanding the facts and circumstances of your legal matter, but learning about you as a person. Our Boston criminal lawyers recognize that your case may have far-reaching collateral effects beyond what happens in court, and we customize our defense strategy based on your specific needs. If you want us to take it all the way to trial, we are more than willing to do so. In fact, our record demonstrates that we obtain “Not Guilty” verdicts on 90% of the cases we bring to trial. Of course, every case is unique. If the anxiety of your pending criminal matter is interfering with your ability to work or continue with your day to day life, or if your case would benefit from a resolution prior to trial, we will do everything in our power to reach the best possible outcome. We are here to listen to your situation and always provide a free initial consultation. Since many arrests and criminal matters arise during non-business hours, we are available 24 hours a day, 7 days a week. The sooner you contact our office, the sooner we can fight for you.

From relatively minor misdemeanor offenses to major felonies, the Boston criminal attorneys at Urbelis Law have extensive experience handling every type of criminal matter in Massachusetts. In addition to our highly successful trial practice, we help clients navigate the ins and outs and potential collateral effects of their cases. We will handle an RMV hearing stemming from a misdemeanor criminal charge with the same vigor employed during a Sex Offender Registry Board matter as the result of a felony sexual assault charge. In addition to fully advising you of the strengths and weaknesses of taking your case to trial, you will always be apprised of your options short of trial (working out a deal), the consequences of your decisions, and the collateral effects associated with all potential outcomes. All of your bases are covered, and you will never be left in the dark, at Urbelis Law.

In addition to vigorously representing our clients throughout the various stages of their Massachusetts criminal cases, we provide that same dedication to help prevent criminal charges before they are officially filed. Whether you are concerned about being investigated for a crime, or you have been contacted by the police who are requesting an interview at the station, or perhaps you’ve received an application for a criminal complaint and don’t know where to turn. Don’t panic. We are here to help. It is important that you contact our office as soon as you have these concerns, because these situations are very time-sensitive and must be handled before they spiral out of control. Let us help prevent or minimize the damage. That’s what we do.

Given that many arrests occur during non-business hours, our Boston criminal lawyers are prepared to provide you with a free initial consultation 24 hours a day, 7 days a week. If you were arrested over the weekend, we are prepared to meet with you right away to answer your questions and provide you with peace of mind before going in to your Monday morning arraignment in court. In most cases, you should be prepared to retain a defense attorney prior to the arraignment to ensure that all necessary paperwork is obtained from the government and your rights are protected from the onset of your criminal case. In more serious cases, or if you are already on probation for an open case, you should absolutely be represented by an attorney at the arraignment as the prosecution is likely to ask that you either be held on bail, have the bail revoked on your open case and have you detained for up to 90 days, or have you held as a “dangerous person ” for up to 120 days. In this situation, if you’re convinced that you can’t afford an attorney, you’re doing yourself a major injustice. The truth is, you can’t afford NOT to have an attorney. With no obligation to hire us after your initial consultation, you certainly having nothing to lose by calling!

Contact our office for your free initial consultation regarding your Massachusetts criminal matter:





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Managed IT Services San Diego #are #you #a #small #or #medium #sized #business #looking

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Managed IT Services
San Diego

Managed IT Services in San Diego
Computer Support For Your Business

CUCIT Solutions provides state-wide Managed IT Services, IT Consulting and Managed Network Services for businesses in Florida including Miami, Fort Lauderdale, Boca Raton, West Palm Beach and Tampa. Customers can choose from customized IT solutions or managed IT services to complement an existing IT infrastructure.

Choose the Managed IT Services You Need in San Diego:

  • Network, Server, Desktop Configuration and Set Up
  • 24/7 Remote Help Desk, Phone, and On-Site IT Support
  • Email, Spyware, Data, and Virus Protection
  • Proactive Monitoring Tools
  • IT Consulting One-Time Projects Such as Data Migration
  • Additional Managed IT Services such as Backups, Monitoring, Hosted Exchange, Asset Management LIVE Help Desk

CUCIT’s Managed IT Services in San Diego, are provided on a per user/monthly fee basis. Our Managed IT Outsourcing Services include Desktop, Server, Network, Print, Cloud, and Virtualization Services – plus many more! We help build a solution that is the right fit for your business so you get the IT services you need and can stop paying for services you don’t want.

Request A Free Proposal

Watch a Video
Learn how CUCIT’s managed services will result in IT cost saving for you.

Need Managed IT Services & Not in the San Diego area? We can help!

We have business customers nationwide that utilize our Managed IT Services.
We can design, configure, install and/or maintain your IT infrastructure regardless of your location(s) so whether you’re business is down the street or across the country we can offer Managed IT Services where ever you’re located.

Other IT Services & Solutions:





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You Can Apply for These Small Business Loans with Bad Credit #business #websites

#business loans for bad credit

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You Can Apply for These Small Business Loans with Bad Credit

Small business owners are often turned away by lenders when they have poor credit. That’s because a bad credit score implies you have not managed your finances properly in the past.

Luckily, it’s possible to secure small business loans with poor credit.

A number of alternative lenders are offering loan solutions for bad credit today. These lenders place more importance on the operating history and strength of your business. In other words, they do not focus solely on your credit score when they consider your loan application.

Here are some loans for bad credit options worth exploring.

Small Business Loans with Bad Credit

Kabbage

The best thing about Kabbage is that it does not require a minimum credit score to qualify. It does, however, check your credit history. If you are looking for some short-term working capital, Kabbage is worth trying. You can borrow from its line of credit and repay on an as-needed basis.

To qualify, you should have minimum annual revenue of $50,000 and have been in business for at least a year. You must also have a business checking account, bookkeeping software or an online payment platform.

It takes only a few minutes to complete the online application process and if approved you can get funds in just a couple of days.

Fundbox

Fundbox does not have a minimum credit score or minimum annual revenue requirement. Instead, it takes the value of your invoices and ability to repay the loan into consideration.

Funding is prompt and takes up to just three business days.

To qualify, you must use bookkeeping software or online accounting that can link to Fundbox and have a minimum of six months’ activity in one of these software applications.

OnDeck

OnDeck offers both term loans and lines of credit. You can go for the term loan if you are looking for some quick cash to expand. If you want to manage your cash flow and working capital, a line of credit is your best option.

To qualify for OnDeck’s term loan, you must have a personal credit score of 500 or higher. For a line of credit, your personal credit score should be at least 600.

Once you complete the online application process, you’ll get a decision within a few minutes and funding as soon as the following day.

Interestingly, OnDeck reports your payment activity to the three credit bureaus, which means paying off your loan on time can boost your credit score.

BlueVine

If you lack collateral, have poor credit and unpaid invoices, you may consider BlueVine. The lender offers an advance based on the value of your invoices. Approval is based on the strength of your cash flow and the financial strength of your debtors.

You do need to have a personal credit score of 530 or more to qualify. Also you should have at least $120,000 in annual revenue and have been in business for at least three months.

StreetShares

If you have a new business, StreetShares is a good option to explore. The lender requires a minimum of one year in business and $25,000 in annual revenue. But even if you have been in business for only six months and you can qualify with $100,000 in revenue.

You need to have a minimum personal credit score of 600 or more and a strong cash flow to be eligible.

Dealstruck

Dealstruck is a good option if you are looking for different loan products. The lender offers a term loan for expansion, an asset-based line of credit for businesses with unpaid invoices and an inventory line of credit for businesses that have recurring inventory purchase requirements.

To qualify, you need to have a minimum credit score of 600, although company CEO Ethan Senturia has said that the company accepts scores in the 500 range. You also need at least $150,000 in annual revenue and need to have been in business for at least a year.

A bad credit score may create problems for you when you try securing funds for your business, but it shouldn t stop you from exploring options. You need to understand your needs and look for options that meet your requirements.

Shubhomita Bose is a Staff Writer for Small Business Trends. She covers key studies and surveys about the small business market, along with general small business news. She draws on 8 years of experience in copywriting, marketing and communications, having worked extensively on creating content for small and medium sized enterprises.

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11 Grants for Women-Owned Businesses You Need to Know About #small #business #loan

#small business grants

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11 Grants for Women-Owned Businesses You Need to Know About

In 2014, there were close to 9.1 million women-owned businesses in the United States, a 68 percent increase since 1997, according to The 2014 State of Women-Owned Businesses Report from American Express. This percentage increase exceeded the national average of small business growth by 1.5 times.

It also illustrated what we already know: Women entrepreneurs are having a tremendous impact on the small business landscape nationwide.

Yet to continue to be competitive and grow, these entrepreneurs have to find funding for their ventures. And, alarmingly, women entrepreneurs are increasingly being turned away by banks for small business loans. Thankfully, they still have other options, given the rise of technology-driven financial lending sources — such as online loans, peer-to-peer loans and crowdfunding.

Then there are government grants. While not widely known or used, these grants are another great option for women seeking extra funding for their business ventures. They just take a little more work.

Understanding grants

Business owners often turn to grants because they are not required to pay them back; essentially, you can look at grants as free money, but they come with stipulations. Also, understanding and navigating the grant process can be complex.

First, you have to research and find a grant for which you re eligible. Then, you have to understand the strict application and compliance guidelines you must meet, to be eligible. Third, you have to compete with other businesses for the same pool of money. Fourth, if you re awarded a grant, you must report on how you used it. Finally, you must devote time and energy to the lengthy application process, then wait for approval. In a nutshell, you need to have all of your ducks in a row, up-front and afterward.

Finding federal and state grants

Many business owners think that federal grants are just a click away. We have all seen the ads promoting free federal money to start businesses. But this is a huge misconception. While there are federal grants available in the areas of medical research, science, education and technology development, no such grants exist specifically for women-owned businesses. You may find grants that fund projects that empower women, but such funding is often set aside for nonprofit corporations, not for-profit businesses.

When researching grants specifically for a woman-owned business, start at the state level. Most states offer grants for women-owned businesses in some capacity. Each state website has a business section where you can find grant and funding opportunities for women and minority-owned businesses. A good example of this is the business section for the state of New York. which lists incentives and programs for businesses. Check out your state s site to find out what is available for your business.

Another great resource to use in your research is the Minority Business Development Agency (MBDA). The MBDA is an agency of the U.S. Department of Commerce that assists minorities and women in establishing and growing their businesses. On its site, you can research grants and access links to state agencies that work with women-owned businesses for funding opportunities. Click here to view all of the state agencies across the country.

Private grants for women

To help in your search, we gathered information on these private grants for women entrepreneurs started:

  1. The Eileen Fisher Women-Owned Business Grant Program. Five grants are awarded annually. The businesses must be 100 percent women-owned and have founding principles of social consciousness, sustainability and innovation, plus be ready to move to the next phase of development. In 2014, the program awarded $125,000 in grants.
  2. Huggies Brand — Mom Inspired Grants. The grant awards up to $15,000 to advance the development of innovative products inspired by the joys of motherhood. The awardees also receive resources to further develop their products and startup businesses.
  3. FedEx Think Bigger — Small Business Grant Program. Applicants are encouraged to share their visions to receive a portion of the $75,000 awarded in grants. Part of the judging involves the general public voting for the finalists, so participants may promote their businesses while garnering votes.
  4. Idea Caf Small Business Grant. The Idea Caf is a free gateway that hosts different grants on its site. Its current grant is the 16 th Small Business Cash Grant. which awards one $1,000 grand prize to a business with the most innovative idea.
  5. InnovateHER: 2015 Innovating for Women Business Challenge. This business challenge is sponsored by the Small Business Administration (SBA) Office of Women s Business Ownership. The challenge awards three winners $30,000 in prize money for businesses that have an impact on the lives of women. However, be aware of the recent fraud news around the SBA .
  6. Chase Google — Mission Main Street Project. Chase and Google have partnered to award $3 million in grants. In 2014, recipients were awarded $150,000 to help take their businesses to the next level. Recipients also received a trip to Google headquarters, a Google Chromebook laptop and a $2,000 coupon toward a market research study with Google Consumer Surveys.
  7. Small Business Innovation Research (SBIR): Eleven different federal agencies participate in this awards-based program, which incentivizes and enables small businesses to explore their technological potential.
  8. Small Business Technology Transfer Program (STTR). The STTR program reserves a specific percentage of federal research and development funding to provide funding opportunities in research and development.
  9. Women Veteran Entrepreneur Corp (WVEC) Small Business Competition. This competition, organized by Capitol One and Count Me In for Women s Economic Independence. allows participants to present two-minute pitches for a chance to participate in a nine-month business accelerator program.
  10. Wal-Mart Women s Economic Empowerment Initiative (WEE). As part of a huge Wal-Mart initiative, sourcing opportunities for U.S. and international companies will increase to $40 billion over five years.
  11. Zions Bank — Smart Women Smart Money. This Utah-based bank s grant annually awards $3,000 across six different categories, including business.

Applying for a grant

Once you find a funding opportunity, there are steps required to apply. A few tips to assist you:

  • Make sure that your business is eligible for the grant: Read the grant synopsis guidelines and eligibility requirements.
  • Create a checklist for all of the documents required.
  • Follow the rules. Grant applications can be very technical. It wouldn t hurt to have a second (or even third) set of eyes when reviewing the application to ensure that you have provided all accompanying documents.
  • Start early. Since the application process can be long in some cases, it doesn t hurt to get a jump on things.

If you find the grant application process too daunting or lengthy for your small business, Kabbage is committed to supporting small business loans for women business owners. Because our application process is fully automated and online, we can quickly provide small business loans of up to $100,000. We use simple, meaningful revenue data from your business to approve your business — not elaborate documentation that takes extensive time to gather. To learn more, visit Kabbage.com.





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Find the best Business lawyers near you #business #start #up

#business lawyer

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Business lawyers

What a Business lawyer can do for you

A business lawyer will advise you on many different aspects relating to business, such as regulation compliance, business incorporation, and legal liability. The sooner you retain a business attorney, the better. Your lawyer will make sure that you set up your business properly, create contracts for you, make sure you re hiring legal workers, file patents, buy and sell businesses, and more.

Practice areas related to Business

Why hire a Business attorney

If you want to start, manage, transfer, or exit a business, you may benefit from a business attorney’s services. Business attorneys have experience with many different industries and professional fields. If you are considering bankruptcy relief for your business, a business lawyer will also have the knowledge necessary to help you navigate your options for your business debt. Depending on your business and activities, you may need one or more type of business attorney.

The Avvo advantage

Avvo gives you all the information you need to find the right lawyer.

  • 50 states
  • 120 areas of law
  • Detailed profiles including reviews
  • 50 states
  • 120 areas of law
  • Detailed profiles including reviews




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Vending Machine Business Plan: Did You Think of These Before You Got Started? #small

#vending machine business

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Vending Machine Business Plan: Did You Think of These Before You Got Started?
by Chris Tomasso

The first things you must consider when making a business plan is, What are your goals? , and Does the math work? Many people first get the idea to get into vending because the notion of passive income and controlling their own destiny is so compelling. While this is true, they forget to calculate if it even makes sense for them.

Without a proper business plan, you can set yourself up for failure from the start. This is because, in vending, there is a significant delay between your actions and your financial results. Whether you make the right or wrong decision, you don t see your outcome for a while. So much money is moving from place to place in vending that it can be hard to track. There are many sources of income: Cash from machines, free vend, subsidizations, renting machines, rebates from corporations, and more. Expenses are varied, including but not limited to: Rent on a warehouse, insurance, vehicle repair and maintenance, machine repair and maintenance, buying product, accounting, and acquiring new accounts. Revenue from the business is the result of thousands of small transactions. In general, your profit is not immediately obvious.

Why create a business plan?

It may seem straightforward, but in a business where the average operating profit is 45%, but the average net profit is just 2%, you can’t afford not to plan. Creating a business plan will help you price your product, set up service schedules, set minimum sales requirements for locations, determine how much you can afford to invest in new business, and it lays the groundwork for your future success.

If you don t create a business plan, you could be working for less than minimum wage in a job that is supposed to give you more time and freedom.

Where do I begin?

A business plan can only be effective if it reflects your specific goals. If you haven t already, ask yourself some of these questions:

  • How many hours are you willing to work?
  • Are you looking to build it and sell it or give it to your kids some day?
  • Is it a retirement vehicle?
  • Will you need to train someone to eventually run it for you?
  • Do you have cash to invest in it or are you building it from scratch?
  • Do you want a flexible schedule or time to travel or spend with loved ones?
  • What resources do you already have? A person who is well connected will have a lot easier of a time starting out than a person who has just moved to the area.
  • Do you have warehouse space or a vehicle you can use?

I strongly encourage you to really consider these questions and how running a vending business will fit in with your overall lifestyle goals. This could take you days or even weeks if you haven t consciously thought of it before. Once you seriously answer all of these questions, you ll need to start doing some math.

Doing the math

The exact math you need to do will be reflective of your specific goals and the resources you need to achieve those goals. As such, it s beyond the scope of this article. If you need help deciding what s realistic for you, I suggest seeking the help of a professional in the vending industry.

What you need to keep in mind is that vending machines have a significant up front investment. It could take a year for the sales of a machine to recoup the cost of buying and installing the machine. This means that, although you will be making cash money immediately, you will not likely profit from those vending machines for at least a year.

This reality needs to be reflected in your business plan. If it takes each of your machines one year to pay off their debt, those machines are not making money for you right now.

How are you making money right now? Do you have this as a side job? Do you offer a service, such as installation or repairing machines for other vendors? Do you have office coffee service where the cost of installation is potentially much cheaper and the per item value potentially much higher?

On the other hand, can you afford to not turn a profit on this machine for the allotted time? Can you afford to add at least 15% to that number to account for maintenance costs? If you can absorb these for the time being, great! If it s not making you a profit, it still may be a good idea, as long as you plan for it.

Growing your vending business

Planning for the future is also part of your business plan. How do you plan to grow your business? Do you plan on making lots of cold calls? Do you plan on generating a referral based business?

Learning vending is a fantastic way to learn how to run any business. This is because, instead of running one giant entity like a restaurant, you are running dozens or hundreds of tiny machines, each with their own cash flow. In doing this you will get really good at recognizing good business opportunities and bad opportunities because you can automatically do the cash flow in your head.

Like many other businesses, a vending business has an economy of scale. Vending supply companies, such as a cash and carry. sell products in cases, so if you only have one snack machine and you buy a case of chips, unless that company only buys one kind of chips then I guarantee your chips will expire before you sell them all.

A case is 64 chips. In an average snack machine, a row for chips is between 10-12 spaces. This means that you will need 6 rows of one kind of chip to sell in no more than two months, because chips usually expire in two months. You will most likely have expired chips in this scenario. If you are in this situation, then you should probably take away your snack machine until you can find a location with a higher volume of sales. A vending business profits immensely from a certain scale, because you can get and utilize cases to offer a variety, get rebates from manufacturers, begin hiring employees so you re not doing as much route driving yourself, and get deliveries from vending supply companies instead of going to them to get product. These are just some of the benefits of scaling up your business.

Since scaling is so important, you must decide if you’ve gotten started in the business too small. If this is your problem, you might be better off selling your route to someone with a larger business and working under them on a contract basis. Otherwise, you will have to secure a large loan in order to purchase a lot more equipment if you want your business to scale up quickly. This debt will then be subtracted from your profits. If you can still make a profit after subtracting all of your business operating costs and paying back the debt for starting the business, then great!

Final Thoughts

The difficulty of creating a sensible business plan is why so many small time vendors go out of business so quickly. More and more the little guys get squeezed out because the cost of running a business is much harsher for a smaller business as it is for a slightly larger business. This is because often time your fixed costs (rent, insurance, product cost, etc) remain the same whether you have two machines or two hundred machines.

This is just barely scratching the surface. If you feel lost, I suggest seeking the advice of someone in the vending industry. I also recommend speaking with Robert Cornelius. He s our resident vending consultant at Vending How. No matter what you choose to do, it pays to plan and plan well.

Chris is the editor and online marketing guy at Vending How. He can also drive more traffic to your website.





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