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Tag: Finance

What Does it Mean to Be a Hero?

When you were a child, were you inspired by stories of knights, supermen and courageous men and women who did wonderful things and changed the world around them? They were your heroes. You looked up to them, didn’t you? And you admired them and read stories about them late into the night? Weren’t you inspired by their courage and hoped you could grow up brave and strong? Weren’t you thrilled by their exploits and their charisma?

What about now? Who are your heroes? Are they baseball champions or Olympic swimmers? Or are they perhaps explorers and adventurers, crossing the North Pole single-handed or rowing the Pacific in a two-man boat?

What does it mean to be a hero? Is it someone fulfilling an ambition at great personal and physical struggle or is it someone doing something for the good of mankind? And why do we all need heroes – what is it that inspires us about certain people and makes us hold them up as examples of greatness?

The truth is that we look up to people who make a difference to our lives while at the same time overcoming personal struggle and hardship to achieve that goal. We admire their bravery and dedication; we aspire to be as courageous and focused as they are to achieve what they set out to do.

So being a hero isn’t necessarily about achievement only. It’s the effect that their achievement has on the rest of us and what we can learn from the struggle and hardship they underwent. They are what we could call exemplars – they are people who demonstrate high standards of character and dedication and who inspire us to achieve the highest that we can in order to emulate them.

However, being a hero isn’t always front page news or the stuff of films. Being a hero can mean working all the hours under the sun and earning enough to send your children to college so that they can have a better future than you had at their age. It can be as simple as making sure that the elderly people in your area are always warm and well fed, or dedicating yourself to improving community amenities and overcoming all the obstacles that get thrown up in your path.

So you can achieve great things like win an Olympic gold medal by being fast on your feet and become an icon. Or you can achieve great things through strength of character and perseverance, and become a hero. You can doubt your ability to complete the journey, but having the strength of character and purpose to overcome your own fears about completing it – that’s the stuff of heroes.

That’s what inspires others – that you falter and doubt your ability to carry on, but that you then pick yourself up again stronger than before, doubly committed to your goal, and you press on to the end.…

How To Obtain Limousine Financing For a Start Up Business

Many enterpreneurs like the glamour of starting a limousine business but the road to their

success may be a little bit more complicated than one might anticipate. This article will concentrate on the financing side of the startup investment and try to give the want to be limo entrepreneur a reasonable assessment of what is in store for them.

Today, most typical lenders aren’t interested in lending money to a start up business for a limousine service. They consider it a high risk type of business and feel that their investment dollars can be better spent somewhere else in their portfolio. However, there a few lenders out there that feel comfortable in the transportation industry and will lend accordingly. Their bankground might be exclusively in this industry and will cover not only limousines but additionally limousines and shuttle buses, coach and tour buses, ambulances and hearsts etc.

Most lenders review the applicant’s background and want to ascertain that they have experience it in this industry and/or have other key employees that can supplement this situation. Additionally, they understand that this start up business may lose money at the start and want a comfort level that the applicant has a nest egg of money. An income producing spouse that can support the cash flow demand.during the start up phase would be a real plus. Additionally, the personal credit of the applicants may be raised to a higher standard to reinsure the lender that he has a qualified applicant.

Once the lender gets passed the initial credit review and the applicant’s qualifications to run this type of business, the amount of upfront money to qualify for a lease becomes an issue. Each lender is different but for the most part they require the applicant to put up somewhere between

10{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}-25{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of the acquired cost of the limousine. Each limousine deal is reviewed separately by the lender because, in their mind, a hummer vs a lincoln stretch has different criteria to them. They review the year, make and model, including the mileage, etc to come up with a financing deal. Many lenders don’t like lending below $25,000 to $30,000 and a limousine no older than maybe three to four years old. Additionally, their leases could run as little as 30 months and as much as 60 months. It is advised for you to look at more than one lender and see what criterial is best for you.

The final part of the financing exercise is to find out how much you monthly payment will be. This can be an interesting exercise because know one is going to quote you an interest rate. I have seen start up limousine businesses being charged anywhere between 14{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}- 38{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} interest per year once you get through all the red tape. This carrying cost is criterical for you to make sure you are able to afford the payment per month because you don’t want a run away business which will be out of balance from the start. It …

6 Creative Ways to Market Yourself As an Insurance Agent

Marketing yourself as a qualified insurance agent is one of the most important components to achieving success. For an agent, success is often measured by the number of clients who make a decision to buy the products and the services that you are offering to them. Proper marketing will help you increase your customer base, but you have to be creative about it in order to stand out from the rest of the agents whom you are competing against. Here are six clever and creative ways that you can make that happen.

Develop a client appreciation program.

When your clients feel like you appreciate their business, they will spread the word to their friends and family. Find a way to show your regular clients your appreciation (Thank You card periodically, free upgrade of service, etc.) and you’ll see your success grow.

Use direct mail.

Sending out postcards and letters to your current clients and potential leads will help expose your products and services to a wide audience. Don’t send out boring form letters, though. Be creative so you can get their attention.

Create a newsletter.

Newsletters are great ways to keep your clients up to date on the latest developments in the insurance industry. There may be new products on the market or important news that they will find interesting. Add a personal touch by adding something about your family or a special greeting. Send out the newsletter monthly or every other month, but be consistent about it either way.

Develop a website.

If you want to compete in today’s business world, it’s essential to have a website for your clients and potential leads to visit. However, it shouldn’t just be any website. You should hire a professional web designer to develop the website so it looks great. It’s also ideal to have a section of your site which explains the products and services that you offer as well as a link that customers can click on to get in contact with you.

Be responsive.

The quicker you respond to a client’s questions or a lead’s phone call, the more successful you will become. By responding quickly, you will show them that you appreciate their business rather than making them feel like a bother.

Publish articles online.

One way to market yourself as an insurance agent is by publishing relevant articles online. You can create a blog, post to ezines or other websites so you can get your name out there. When potential clients and existing customers do a Google search for your name, they will find all of the articles you have posted and they will be more likely to trust the information that you give them.

These are just a few of the ways you can market yourself as an insurance sales representative and increase your success as a result. Find a few agents in other areas who are successful and ask them for their secrets. If they don’t live in your area, they will be more likely …

Book Summary – The ABC’s of Building a Business Team That Wins – Written by Blair Singer

This book is part of the Rich Dad Advisor family. Being able to build a successful team is a sought after talent. Think about your favorite professional, college or Olympic sporting team. I bet hardcore football fans can tell you which teams won each Super bowl. Can they tell you who came in second, probably not because nobody cares? Building a great team is by far the hardest component of business. You are dealing with unique personalities, qualities and skill sets. So the question becomes, how do you do it? Blair answers this question in the book.

Why is this important to me?

I strive to not waste your time. You are either part of a losing team or winning team. That is it. If you were ever part of a winning team then you can still remember the connection, camaraderie and code. If you consider the most effective teams, they all operate under a strict code of honor. This is critical in keeping the team united. The best example of this is seen in the U.S. Marine Corp. These guys have to run under a code or they die. It is that simple. Semper Fi – “Always Faithful”. Blair’s book is concise and to the point. We will outline creating a Code of Honor for your team.

Why a code of honor? In the absence of rules, people make up their own rules. The best way to avoid upset, collisions and disharmony in any group is to make sure everyone is playing by the same rules. The code brings out the best in everyone who subscribes to it.

Mission-Team-Individual – That is the order of the code. When people agree then you have the foundation for a championship team. If you don’t believe in Mission-Team-Individual then just image if Individual or team was first. Bernie Madoff put individual first and Enron put their Executive Team first. Look what happened. If the Marine Corp put individuals first then we would not have our freedom today.

Drafting the right players for your team is crucial. The old adage that people are your greatest asset is NOT true. They have to be the right people. I can tell you that my biggest expense and losses in business have ALL been around hiring and recruiting the wrong people. I could have been on mini-retirements in my late 20’s if I would have gotten this skill right. I would wager to say that over the years, I have spent over seven figures on the wrong people. This does not include the heart ache, counseling and other crap that goes along with having the wrong people on your team. I implore you to learn this skill because it will save you years of heart ache. It is cheaper to burn stacks of $100 bills then it is to have the wrong people on your team. LEARN THIS SKILL NOW!

Question – How do we get the right players on the team?

1. What kind of …

How to Start a Traffic School in California

The first thing you want to do is go to the California DMV website, dmv.ca.gov I will add links for you so you can find the information easily as the DMV website can be a little difficult to navigate through. (AB2499 is New CA legislation for traffic schools that was put in place 9.1.2012) It covers all the rules and regulations as well as the qualifications needed for the owner operator and instructor.

After you go through the information you will want to print out the traffic school owner checklist, it will prove to be very helpful in checking off each thing you need to complete.

Opening up a Traffic Violator school can be a long and tedious endeavor; There are many requirements that need to be in place before the DMV approves you.

I will list a few of the steps involved in opening up your school:

1) The first thing the DMV requires is to submit a traffic school lesson plan along with an $ 800.00 fee for your original review of an online course, $ 800.00 for a home study course review or $ 475.00 for a classroom course to be submitted with your OL764 form . You will have to wait up to 120 days for the DMV to do a background check on you as well waiting for your approval or rejection of your course. If you would prefer you can purchase a pre approved lesson plan which is probably easier than writing your own which is a 6 month to a year project. Plus you will get your approval letter from the DMV in about a week and only have to pay a $ 25.00 fee to use a pre approved course.

2) The DMV must approve your traffic school name before you can move forward with the rest of your application, you will need to fill out the OL 612 form, but before you waste time purchasing your school name for an online traffic school you can Call the DMV and check to see if the name you wish to use is available at the time of your call (916) 229-3126. If your name is similar to another name being used, your domain name will be redirected. If the name is available then you can send the form up to DMV by overnight mail, they will send you back an approval for your chosen name by US mail.Once you get your application approved, your school name will be placed on the DMV website , Which is free marketing for you.

Some additional DMV requirements are: being fingerprinted by live scan, securing a bond, pay the required fees, submit an insurance certificate, purchase a DMV approved lesson plan, or write your own, rent an office space in which to run your business out of And hold your traffic violator classes if you wish to teach a classroom course. FYI … The DMV makes no distinction between a classroom traffic school or an online traffic …

Make Dry Ice Blasting Your Small Business Opportunity

What is dry ice blasting? Dry ice blasting is a form of abrasive blasting industrial cleaning that uses a solid form of carbon dioxide known as dry ice. Pellets or ice is shot through pressurized air stream of either one hose or two hose machines.

Which System is Best? Most systems today are the single hose technology. Technology using the single hose was created by the Cold Jet company in 1986. One advantage of the single hose system is that it avoids the possible dangers of a pressurized hopper by the use of a quick cycle airlock. Another advantage of the single hose system is that it has more power and you can use a longer hose.

Making Massive Money! There are many ways to make money cleaning with Dry Ice. Many people prefer Dry Ice Blasting for paint removal, because it is less harsh than sand blasting. Another great business opportunity is to clean food processing equipment. Because it can decontaminate surfaces that could contain Salmonella and E. coli. Dry Ice can clean without residue so the Environmental Protection Agency prefers it to many kinds of solvent based cleaners. The Aerospace industry also uses Dry Ice Blasting to sensitive equipment like clean semiconductors. Manufacturers are also a great business opportunity because cleaning with cold can be used for maintaining their equipment and can drastically reduce their down time.

The Freeze Jet is just one of several different types of Dry Ice Blasting equipment. For around $3,000 you can usually purchase a Dry Ice Blasting machine.

What about Safety? How safe is this type of industrial cleaning? Cleaning with cold (normal pressure is -78 C(-108 F) can be toxic if the concentration is over 1{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}. Asphyxia can be caused because of oxygen removal so Dry Ice must be used in a well ventilated area.

Safety Equipment: Typical safety equipment will include a positive pressure blast hood or helmet. Air hoses are attached to a grade D pressurized air supply, which is mandated by Occupational Safety and Health Administration (OSHA). Also using ear plugs for hearing protection is part of the usual safety equipment. Body protection usually includes gloves and overalls as well as a leather coat and chaps.

What fees can I charge? How much money can I make in this Industrial Cleaning business? Total typical fees can range in the $300.00 per hour range, so it can be one of the more lucrative types of industrial cleaning.

The Benefits of Dry Ice Blasting: This type of industrial Cleaning meets EPA, USDA, and FDA guidelines. Has less clean up of the waste material. Extends the life of the equipment. Cleans more thoroughly. Reduces or eliminates equipment damage. Provides a safer cleaning environment. Is Non-polluting and environmental friendly. Can destroy and eliminate bacterial and fungal growth.

How can I get started? You can get started with your small business by beginning with a business plan. A business plan is a formal statement of business goals, reasons they are attainable, and plans …

Health Insurance Costs and Modern Medicine

It seems that the more insurance one has the higher go the fees. Doctors now earn substantially more than they did proportionally few years ago. While they know that their patients can recover most of the cost for their service they rarely get an argument from them. In Australia we have the Medicare system that covers everything for those without private health.

The previous Prime Minister, Tony Abbot, put this extra burden on people that they must have health insurance. Only the pensioners above 75 years are now covered by bulk billing. That is they are not charged and the government pays for them. Prior to the Abbot changes everyone had this type of benefit but the cost was unsustainable.

Because of that rise in fees the government is now looking for ways to cut it back even further. The increase in population from overseas migrants is putting an extra burden on the system. Some of these people will go to two or three doctors in the same day thinking they will get better quicker. Some are also getting extra drugs and selling them overseas.

Modern medicine is expensive and now the vets are also on a par with the medical profession as far as fees go. The debate that they do much the same amount of study is a logical claim but when one has no insurance against their bills it is rather tough for many to afford it. Pet ownership is suffering as a result.

We can’t go backwards to old systems because it becomes too complicated. Once people earn more it is hard to take it away again. This is yet another dilemma the government is dealing with as there appears to be no way they can force a decrease in the cost of the medical bills covered by their program. The cost of private insurance is also rising beyond what most and now afford.…

Bad Credit Loans – A Borrower’s Guide For Personal Loans

If you are in need of cash, a personal loan might be just what you need to be able to pay your bills. Many people who need money fast overlook the option of personal loans because they do not understand how they work. Or, they do not think that they will be able to qualify for one of these loans because they have a less-than-impressive credit score.

The truth is, however, that you can find personal loans even if you have a very low credit score of under 600 or even 550. There are several types of personal loans to choose from, including secured loans, unsecured loans, and auto title loans.

Secured loans are where you put up some sort of collateral – something of monetary value that the lender could easily sell in case you fail to pay back the loan principal. Because this type of loan is secured, it means that you can expect to pay slightly lower interest rates. Also, your credit score will not be much of a factor with these loans, since the fact you are putting up collateral helps to reduce the lender’s risk in the deal.

Unsecured loans, on the other hand, do not require that you offer up any collateral to the lender. That’s a good thing if you do not want to put something of value up for possible sale by the lender later on. However, the drawback is that you will have to pay a higher interest rate on your borrowed money.

An auto title loan, meanwhile, is very similar to a secured loan. In fact, it is a form of secured loan. With an auto title loan, you are using your car’s value as loan collateral. In the case of this type of loan, you are risking losing your car. And, interest rates can be pretty high.

If you can, your best bet among these 3 options is to go with an unsecured loan. Surprisingly, even if you have a bad credit score you should be able to find a bad credit lender who will lend you the money you need.

The trick to doing so is this: you do not want to just walk through the front door of any old personal loan lender and ask for a loan. Rather, you will first want to do your homework. Find a notepad and a pen. Then, start searching for personal loan lenders who make it a point to deal directly with people who have low credit (FICO) score. Take good notes so you know whom to call and who is offering you the best deals.

You see, bad credit personal loan lenders will not be nearly as hung up on your credit score as would be most lenders. While most lenders will run away screaming at the sight of a FICO score below 550, a bad credit personal loan lender will automatically see that as a challenge to try to meet or beat. By applying with them directly, you …

Catering Business Profits, Earnings and Salaries – How Much Money Can You Really Make?

Many people have turned their love of cooking and entertaining into a good living by starting catering businesses.

Catering is a multi-billion dollar industry in the U.S. and as one of the fastest growing segments of the food and beverage industry, the catering business offers great opportunities for those wanting to start a small business with a low start up cost.

In this article we will look at catering business profits, earnings and salaries and how much money it is really possible to make in this industry. Then we will examine some of the things that separate the really successful players from the amateurs.

Is a $100,000 Yearly Profit Possible in Catering?

Many people consider a $100,000 pre-tax salary or profit to be a benchmark for success and they wonder if they can reach this level of earnings in catering.

Most small catering business owners who put in the effort can expect to earn between $20,000 and $40,000 profit per year for the owner during the first couple of years. After a couple of years in the business, you can easily scale up to earning a ‘six figure’ annual income from catering.

Tips for Getting to the ‘Six Figure’ Level

1) Forget catering from your home kitchen if you want to get to this salary level. Business savvy caterers do volumes that require them to either rent commercial kitchen space by the hour, arrange access to restaurant kitchens during off-hours or focus on ‘on-premises’ jobs only and use the kitchens of their clients.

2) Successful players love spending time creating menus, following food trends and interacting with people without neglecting the business side of catering.

3) Start to create a powerful brand right from the start with your logo, company values and unique service that will grow into a valuable asset that allows you to command a premium price for your catering services in the market.

4) Develop systems for every part of your business to streamline day-to-day operations. Analyze the way that you and your staff work and strive to increase productivity.

5) Understand that there are ‘niche’ markets within the catering industry that you would never think of until you really start looking. Top caterers find these untapped opportunities, and carve out a business catering to the specific needs of these groups.

6) Perfect the process of consulting with new clients and learn how to politely up-sell them on some of your more expensive offerings.

7) Realize that you are leaving money on the table if you don’t also up-sell additional event related services to your customers.

8) Learn how to hire, train and organize a small team to assist you with food preparation, delivery, service, and even sales if you want a realistic chance of getting to an income level above $100,000.

9) Don’t neglect traditional advertising methods but also pursue other modern marketing methods such as networking, cross promotions and guerrilla marketing.

10) Successful caterers also recognize the importance of customer referrals. Customers may introduce friends …

The 7 Principles of Business Integrity

If you have integrity, nothing else matters. If you don’t

have integrity, nothing else matters. — Alan K. Simpson

If I were to ask you what attribute is the most influential

in regard to the success of a business, would you know

immediately which one is the most important? Based on my

many years as a business owner and entrepreneur, I have

discovered that at the very top of the list is the

distinguishing quality of integrity. Without integrity at

the helm of a company, a business is usually short-lived. In

fact, when business integrity is present throughout the

deepest layers of a company and not just at its surface, it

becomes the heart and soul of the company’s culture and can

mean the difference between a company that succeeds and a

company that falters.

The Internet’s Immeasurable Impact on the Marketplace!

The importance of integrity has always existed among the

business community, but in recent times has been shown as

falling short. It is the Internet’s immeasurable impact on

the global marketplace that is now making the expression of

integrity, reliability and credibility extremely important.

Furthermore, the consequence of global competition means

that customers will simply not consider a company that shows

any less than the highest level of integrity. Since there is

a wealth of competitive companies easily available and

accessible via the Internet, there is in fact no need to

accept anything less than the best.

Where Does Integrity Start?

In an effort to build upon a foundation of integrity, the

first requirement would be to establish excellent rapport

with clients. Based on many years of study, the best and

most practiced method for achieving rapport is by way of

Relationship Marketing. Just as it sounds, Relationship

Marketing is founded on the single and most critical

characteristic, known as “Integrity.” However, achieving

true integrity with clients often leaves many an

entrepreneur bewildered, grasping for techniques and

strategies that guarantee their futures. But integrity is

not something that can be grasped and then simply used.

Integrity in its essence must be so ingrained within the

nature of an individual, its company and the team members,

that it remains steadfast no matter what. Without question,

others sense it and find it very attractive.

The True Nature of Integrity!

Now you are probably asking yourself, what is the true

nature of integrity? There are in fact some very basic

principles that surround the qualities of business

integrity. At its core, integrity begins with a company

leader who understands the qualities of integrity which then

filters down throughout the company into every department

and every member’s approach and attitude.

In recent research performed by the Institute of Business

Ethics- an organization which is among the world’s leaders

in promoting corporate ethical best practices, it was found

that companies displaying a “clear commitment to ethical

conduct” almost invariably outperform companies that do not

display ethical conduct. The Director of the Institute of

Business Ethics, Philippa Foster Black, stated: “Not only is

ethical …