Business

This article will explain how you can make money by using premium rate number services. The article gives tips on how to promote your services fast and start generating revenues quickly. Premium Rate number services have been used by service operators to offer specialized services to consumers and generate revenues. In the United Kingdom there are many service providers who offer premium rate number services and charge per minute for the services used. The service operators can charge £1.50 per minute for the services used.

Now let us try to understand how we can earn money from Premium Rate Number services. You need to decide on the kind of service that you want to offer to your customers. It can be anything from horoscopes to horse racing tips and from joke lines to adult recorded stories. The other services that can be offered to customers include technical support for hardware and software, virtual chat lines and many more.

It is important that you verify the contents of your services before offering , otherwise there is a chance that ICSTIS may initiate an investigation against you, if they feel your content violates any of the regulations that governs premium rate services.

Now the next question that we may have is what is the earning potential from premium rate services. The earning potential is substantial. You can earn £120 per day if you offer quality services. If you have a recorded story line which pays you £0.85 per day with an average holding time of 6.5 minutes you can make £5.5 per call. On an average if the service gets 30 calls per day the earning potential stands at £165.75. Annually the earning potential stands at £60000. This is by no means a small amount considering the time and effort that needs to be given to the business.

You can also make money from Premium Rate SMS service. The earning potential is even more in SMS services because once customer asks for a service, messages can be sent at intervals until there is a stop message received from the customer. If the services are charged at £0.60 per message and 6 messages are sent out to one customer then the earning potential stands at £3.60 per day per customer.

If you have a subscriber base of 30 customers the revenue generated can be £108 per day. Annually the revenue works out to approximately £39000. This may look less in comparison with the Premium Rate Call service statistics mentioned above but the popularity of messaging services can generate more revenues than call services.

You need to advertise your services effectively to build a successful Premium Rate Number business and print media has been the proven medium. The advertisements are costly but do give more return on the investments made. Websites are also proving to be an effective medium to advertise services.

They are cost effective and if you advertise your services in a high traffic website, chances are that you can make your …

Annual quick lube survey, is it still viable?

I wish to comment on the Fast Lube Business and the annual survey done by Auto Laundry News, one of the few Industry Magazines for the car wash industry. In this 2001 survey, we see an increase on the number of locations out there. Yet the leader of the Industry is by far Jiffy Lube. We see variations on theme, but we can safely say that Jiffy Lube has adapted best to the American public and their desires when it comes to oil changes.

This survey showed the average customer would drive 5.7 miles to get an oil change. If 50% of the customers would drive 5.7 miles and 80% of the customers usually come from a three-mile radius to get a car wash, I see additional synergy. These car washes with oil lube centers are getting a further reach than the industry average. This is great news for those carwashes adding oil lube bays, but also it takes up space and if not marketed correctly it will not work. The survey was quick to show that oil change facilities do best in middle class areas, not high-end areas. They do poorly in low-income areas. This all makes sense. Free standing car washes were the most likely to have oil lube facilities on there properties. Interesting too is that minimum wage was not prevailing, normally the companies pay $8.00-10.00 per hour. Makes realistic sense and I believe good help starts in this country at $10.00 per hour in most metros and $8.00 hour in rural.

Only 23% of the fast lubes had a website. Only half had internet access in the locations. Average employees were 5 full time and 3 part timers. Luckily for the image of this industry 74% had specific uniforms. The average shop had 3 bays, not enough to do the volume if adequate blitz marketing and community based marketing were taking place. Average revenue was $32.00 per car. That is an awful lot of upselling since the average advertised price that I have noticed is around $19.99. Less than 30% were open on Sundays? Bad mistake since there is no time to change oil and wait in line for most Americans. Average monthly gross was $2,400.00 per month per bay?

This is shit, this is not even a viable business, these people are wasting their time. Think about it, you have cost of oil and filter too and labor? Forget that news. I question the viability of the entire oil change industry. The largest Jiffy Lube franchisee in the country with 180 units was de-listed from NASDAQ and so was another prominent auto care and lube company recently. I like the Kwik-Lube Company and feel they are doing it right, but also question the ROI of such an endeavor seeing these results and the cost to build the building and time to build it. One good thing that the oil lube bays have going for them is the …

You may be holding down a corporate job today. But chances are that your monthly wages does not meet your expectations for a comfortable lifestyle not to talk of being rich. That means you are barely getting by. Because you can not come to terms with the condition you will face in the event that you lost the job. You are holding on to the job as though your life depends on it.

Neverheless, you are not to be blamed. You are a victim of locked in thinking. Yes, locked in thinking. I was a victim of this for so many years until something happened in my life and made me to begin to think of alternative ways of making money between my corporate job. Today I make a lot of money online doing genuine things, and I am no longer a victim of locked in thinking (to think that the way that you know to make money is the only way).

There are so many businesses you can do at your spare time on the internet, and net a lot of income till may be you decide to resign from your corporate job. Take for instance, affiliate marketing which is promoting other people's product on the internet for a tidy commission. I have seen many affiliates who make six figures monthly that they do not see any need for a corporate job. Are you a good writer? Then you can make enough money doing freelance writing jobs on the internet. There are several sites dedicated to this and many have found some wonderful income just working spare time or full-time as freelance writers.

Web development is another money spinner. You can learn it and start developing websites for people and you can comfortably get jobs online and do them at your spare time. There are wonderful soft wares on the net that you can use to design powerful websites in less than 1 hour. You can even bid for web designing or other jobs at sites like eLance, etc., and make money.

Do you realize you can work as a virtual assistant on eBay and smile to the bank? Better still if you are creative you can create a product or an eBook and sell to the whole world via the internet from your sitting room even at your spare time while still holding on to your 9-5 job. …

There are many effective ways to earn money online. This is a great business to start since it can be very rewarding and often requires a modest investment. Depending on your effort and interest, you can earn as much as desired. Here are some suggestions to consider.

In order to earn money online you'd want to focus on a business which can be managed through the Internet and a computer. Ideally it would also be a business which has strong demand yet still has minimal competition.

One business to consider is helping other businesses improve their relationships with their customers, employees, and suppliers. Building strong relationships is a vital part of keeping a business strong yet many companies simply do not have enough time or expertise to do it properly.

This is where the opportunity for you lies. You can work with companies to establish effective relationship building activities by arranging to send out personalized cards and notes for them.

You would work with companies to obtain lists of customers, employees, and suppliers along with key information on them like hobbies and important events. You can then arrange to send out personalized cards, notes, or even gifts to mark these important events and show them how important their business or support is to the company.

This type of business is definitely something you can do online. You can contact prospective clients through Internet searches and online promotional activities. Identifying and promoting your capabilities to a broad potential audience can also be done through effective social media marketing activities.

It is helpful to create a buzz about your work and encourage others to pass the information along to their group of contacts. This greatly increases the reach and effectiveness of your promotional efforts.

In general practice, you would use the database you have created with the company to send out personalized cards and notes to key customers, etc. in order to build their support and trust.

Everyone likes to receive information which tells them how important they are and how much their contributions or support is recognized and appreciated. Not only does this help to improve customer relationships and build stronger sales but it also very much helps to improve employee motivation and effectiveness on the job.

You can perform much of the work required online especially as it relates to promotional and individual business activities. In many cases you can also receive payment for your services quickly and effectively through online mechanisms like PayPal.

All in all this type of business is an excellent way to earn money online and should there be seriously considered. …

If you believe that you are a good financial manager, then this little tidbit is for you. It requires little to no effort on your part – heck, your bookkeeper can take care of this for you and all you have to do is reap the benefits. Here it is: Use your credit card. That's it, simple, logical, easy to do and it's something you are probably good at already. Easy enough, is not it? Well, not really. Like I said in the beginning, if you are a 'good' financial manager, this can easily be done. What I am talking about is using your card for as many business expenses as you possibly can. The benefit is that your vendor gets paid right away and you have a backup receipt from the card company to show that you paid the bill.

The real reason for all of this is that you were smart enough to get a credit card that all your vendors accept and now you get the benefit of all those mileage points, hotel points, or other merchandise and services. The business pays the vendors with the credit card, and that same day, you pay the credit card company since you are such a great financial manager. If you can not do this, then do not do this. Does that make any sense at all? The reason I am harping on this issue is that I have met very few people who will actually go to the trouble to go online and pay their card carrier company within a day or two in order to keep control of their money.

Generally, I have seen that when a person uses a credit card, they go crazy insane with them quite easily. It takes a remarkable discipline to use the card and go online later that same day to 'refund' the credit card company for your purchases. If you can actually do this, then you will have a wonderful handle on how much money is in your account and available to use for a purchase. You are going to have to pay your vendor anyway, so why not just be a little bit smaller than the average guy or gal out there and plan ahead. Talk to the vendors, make sure they will accept your card. If they do not, find another vendor. You could accumulate many thousands of mileage points each and every month.

Over the years, I have traveled to many places using only mileage points. And, since I am among the vertically challenged (I am six and a half feet tall), I can only fly first class. This costs at least 60,000 points each time. I was lucky enough to have most of my sellers accept my credit card – lucky enough to coerce …. I mean convince them, that it was to their benefit as well (you either take the card or I go somewhere else). In the long run, we all benefited from my credit …

The way most people ask about how much dental implants cost sound very much the way they would ask how much a car costs and with good reason. As with cars, the cost of which will depend on what type and model of car you require, the cost you pay for implants depends on how many implants you need and why you need them.

On a good day, patients can expect to pay anywhere between the amounts of $1,200 to $3,000, not including any of the fixtures above it or anything else to hold your teeth in. If you’re going to pay for the implant, the piece that goes into it, the crown on top of that and grafting materials, this could set you back about $3,500 to $4,000 for that type of implant. OK, so it is actually closer to purchasing a new car but the thing is, dental implants last longer and well, even if you have the flashiest car around, if you mumble or slur your words because of ill-fitting dentures or bridges, then the car may actually be a better investment.

The good news is, you can actually find dental implants that won’t break the bank. Dental implants that are affordable don’t easily come by but with a lot of patience you may be able to find one at about half of the total cost and maybe even ones for free. All you need to know is where to look.

The first thing you need to do is discuss your options with your dentist. He or she may be able to come up with affordable payment plans or allow you to pay for your implants in installments. He or she may even suggest that you get dental discount cards that they participate in, ones that offer at least 30%-50% on dental procedures and are usually valid for a year.

Another way to afford your dental implants is to shop around for dental insurance policies that cover a substantial part, if not the full price for dental implant procedures. While most dental insurance policies won’t cover dental implants because it is considered cosmetic procedure, it is better to have at least a part of it covered than having to pay for it all when your budget clearly doesn’t allow it even if you need it.

You can also try to browse for cosmetic dental clinics online that offer payment plans for their patients to get dental implants. Find sites that accept Hicaps and most reputable health cards, as well as credit through any financing institutions. Sites that allow you extended payment options ensures you get the treatment when you want it and when you need it without worrying about how to pay for it.

It is also recommended that you take advantage of your benefits package at work if you have any. Flexible spending accounts (FSAs) allow you to contribute money from every pay period before they are taxed, and this is the same money you can …

With gas prices soaring well above $ 3 per gallon many Americans are looking for ways to save money on gas. One such technique for saving money on gas is hypermiling. In this article I will outline 5 techniques to help you save massive amounts of money on gas.

Maintain an efficient speed. – The first technique to save money on gas is to maintain an efficient speed. Although each and every vehicle will have its own unique efficient speed this is usually between 40 and 55 miles per hour. You should test several different speeds for your car to determine which speed it runs most efficiently at.

Keep up on your maintenance. This seems simple enough but keeping up with your cars maintenance can easily save you 90 cents per gallon. Make sure that you schedule regular tune ups, keep proper pressure in your tires and clean dirty air filters.

Lighten your load – The third technique to save money on gas is to lighten your load. Its simple, the less cargo you carry in your car the less resistance your car will face and the more efficient your car will run saving you money at the pump.

Install an aftermarket fuel gauge. – Another technique for improving your gas mileage can be achieved by installing an after the market fuel gauge. After the market fuel gauges can help you determine your fuel efficiency and then allow you to adjust your driving to get the most out of every gallon of gas improving your gas mileage.

Use water to fuel your car. The fifth technique and the one that is most effective is water for gas technology. Simply put this technology allows you to convert your car to run on water as well as gas improving your gas mileage by nearly 60% and helping you save a massive amount [http://www.vehiclesrunwithwater.com] of money on gas. …

Since car insurance is costly, most consumers don’t want to use it. Buying the right coverage is important, but it costs more to get a new car insured. Give below are a few tips that can help you save money on your car insurance. Read on.

Annual Rate

You can check out some websites to compare different insurers online. While you can’t get a quote immediately, you will get a reply soon from the agents of the company. You may want to consider making a relationship with a good independent agent. They will help you check rates of tons of carriers.

Pick a Good Insurer

Saving money is not about looking for the lowest premium. Actually, some providers offer lower rates of premium. However, they end up charging you more at the end. As a result, you pay more for replacing the parts of the original equipment. In some cases, the provider may increase your premiums post an accident.

The Deductible

With a higher deductible, you will have to pay lower premiums. The reason is that you will be paying more in case of a claim. For instance, if you increase your deductible to, say, $500 from $200, you can cut down on your premium by 15 to 30%. So, if you choose $1,000, you will be able to save as much as 40%.

Review Your Coverage

Liability coverage will pay for your property damage and bodily injury in an accident. It’s not a good idea to reduce your liability to the minimums set by the state. While buying more coverage can seem a strange way of saving a lot, you can enjoy this benefit only if you have a big, expensive claim. As a result, your life savings are at risk. What you need to do is consider your personal injury medical payments and protection coverage.

Use the Discounts

Keep in mind that car insurance providers offer discounts based on the fact that the client has a low-risk lifestyle, such as students, new drivers, experienced drivers and affinity members, just to name a few.

Multiple-Policy Holders

Some providers offer hefty discounts provided you buy your renters, homeowners or life-insurance policy as well. However, make sure that you consider total costs of single-insurer packages and premiums of various providers.

Good Credit Score

Some states let insurance providers use your credit rating to set your premiums. What you need to do is check and fix errors on your credit report. If your rating has been affected by job loss, divorce or any other reason, you may ask your provider for an exception.

Choose Your Car Carefully

For auto insurers, vehicle damage may cost a lot. Therefore, the premiums are set based on the auto model. You may want to ask your provider for estimates on different car models.

So, we suggest that you check out these 8 tips if you are going to buy car insurance and want to save some cash with the purchase. Hopefully, you will be able to …

Life insurance plans are designed to make life easy for their beneficiaries. The life insurers study the problems that a person can face and device financial solutions to ease them. One of the big problems many people struggle with is to provide a sound future to their kids. Cost of higher education is really back breaking and is one of the biggest stress causing factors among parents. To ease this problem to a good extent life insurance companies have come up with a specialized plan called child insurance.

Child insurance plans carry dual benefit for the child. First, they help generate a good corpus by investing the premiums in a fund that can either be endowment based or ULIP based. Second, they provide a life cover to the investing parent of which the child is the beneficiary. In case of the death of the policyholder, the insurance company waives off the future premiums and continues to invest in that fund on the policyholder’s behalf. Moreover, it pays a lump sum or period amount for the maintenance of the child. Thus, these plans protect the interest of the child even when you are not with him/her.

Saving money on our own can be difficult as we cannot be that much disciplined unless we enter into a plan which necessitates us to deposit a particular amount or else it would lapse. Such routine is mandatory for systematic saving and investment. The returns from other funds or investments can get spent on other things. That is why it would be better if you have a dedicated child plan in your investment portfolio of which only your child would be the beneficiary.

As per financial experts, investing in such a plan should be started as early as possible to have more time for your money to grow. Ideally you should start comparing child insurance plans of various companies as soon as you know about the pregnancy. There are over a score of companies selling such plans and offer differentiated plans to stay competitive. Effective plan comparison and market research shall ascend you towards the most suitable plan from a reputed company.

For effective comparison you may try services of an insurance web aggregator. On a web aggregator website you can compare plans of scores of companies at a single web location and that too free of cost. Such effective comparison brings more confidence in your purchase and helps you take educated steps in selecting your plan type. Based on such comparison and analysis you can decide whether to go for an Endowment based child plan or a ULIP based child plan. Comparing premiums with your budget you can decide how much cover to go for.

If you are a parent then initiate the process now without wasting further time. Your smart actions now would earn you enormous gratitude from your kid in the future. Don’t miss the opportunity to have that puffed up chest when your kid makes a lucrative career for himself. His …

Growing up it has always been said that one can raise capital or finance business with either its personal savings, gifts or loans from family and friends and this idea continue to persist in modern business but probably in different forms or terminologies.

It is a known fact that, for businesses to expand, it’s prudent that business owners tap financial resources and a variety of financial resources can be utilized, generally broken into two categories, debt and equity.

Equity financing, simply put is raising capital through the sale of shares in an enterprise i.e. the sale of an ownership interest to raise funds for business purposes with the purchasers of the shares being referred as shareholders. In addition to voting rights, shareholders benefit from share ownership in the form of dividends and (hopefully) eventually selling the shares at a profit.

Debt financing on the other hand occurs when a firm raises money for working capital or capital expenditures by selling bonds, bills or notes to individuals and/or institutional investors. In return for lending the money, the individuals or institutions become creditors and receive a promise the principal and interest on the debt will be repaid, later.

Most companies use a combination of debt and equity financing, but the Accountant shares a perspective which can be considered as distinct advantages of equity financing over debt financing. Principal among them are the fact that equity financing carries no repayment obligation and that it provides extra working capital that can be used to grow a company’s business.

Why opt for equity financing?

• Interest is considered a fixed cost which has the potential to raise a company’s break-even point and as such high interest during difficult financial periods can increase the risk of insolvency. Too highly leveraged (that have large amounts of debt as compared to equity) entities for instance often find it difficult to grow because of the high cost of servicing the debt.

• Equity financing does not place any additional financial burden on the company as there are no required monthly payments associated with it, hence a company is likely to have more capital available to invest in growing the business.

• Periodic cash flow is required for both principal and interest payments and this may be difficult for companies with inadequate working capital or liquidity challenges.

• Debt instruments are likely to come with clauses which contains restrictions on the company’s activities, preventing management from pursuing alternative financing options and non-core business opportunities

• A lender is entitled only to repayment of the agreed upon principal of the loan plus interest, and has to a large extent no direct claim on future profits of the business. If the company is successful, the owners reap a larger portion of the rewards than they would if they had sold debt in the company to investors in order to finance the growth.

• The larger a company’s debt-to-equity ratio, the riskier the company is considered by lenders and investors. Accordingly, a business …