3 Essential Tools for Starting and Maintaining a Small Business
by: Ryan Hough
We believe that there are 3 factors that drive the success of small businesses.
1) Acquiring start-up capital
2) Finding customers
3) Accounting for, budgeting and controlling sales and expenses
The following resources will help your small business achieve these success factors.
Acquiring Start-Up Capital
An adequate supply of capital is essential as many profitable businesses fail because they don’t have enough cash to pay their employees and suppliers. But what is an adequate supply of capital? The only way to tell is by doing a significant amount of research on your potential market and formally documenting this in a business plan. I’m sure you know that a business plan is a very important document that is crucial to convincing your banker to lend you money.
There are two ways to obtain a business plan.
1) Do it yourself by amending a business plan template, or
2) Hire a professional to do it for you.
Obviously obtain 1) will be a great deal cheaper.
Our research led to a website that has over 60 high quality and free business plan templates. We also found a directory that you can use to easily find a business plan writer in your city – where ever you live in the world.
Finding Customers
Finding customers is a difficult and expensive task for service business owners such as accountants, lawyers and plumbers. We believe that a cost effective marketing strategy for service business owners is to simply give all their personal contacts a few business cards.
Our research led to a few websites that have pre-designed business card templates. We felt that the diversity and quality of these designs was outstanding. In addition, we found that you can obtain a significant saving by finding a printing service on the Internet. We found that you could get 2,000 full color business cards for as little as US $150.
Accounting For, Budgeting and Controlling Revenue and Expenses
Accurate accounting is very important for small business owners. It’s essential that you have timely access to information that could make or break your business. If stocks are running low – you need to know about it. If a large proportion of your debtors haven’t paid – you need to know about it. If you do not react to these situations quickly you may have a situation where you don’t have enough money to pay your employees – or worse still someone is stealing cash out the till.
Our research led to a website that compares and reviews top accounting software for small businesses. The cheapest software cost US $89.99 and the most expensive software cost US $1,499. It was interesting to note that the top 3 ranked websites were not the most expensive and cost between US $250 - US $300.
Hopefully you now have an idea of some of the tools that you can use to grow and maintain your small business. If you would like to benefit from our research please visit our website. We do not charge for this research and offer the content freely on our website.
About the author:
http://www.best-quality-small-business-resources.com/
Ryan Hough is the webmaster of best quality small business resources.com, who's aim is to help you save time and money by finding reviews and case studies that will enable you to choose the best resources at the right price.
Kamis, 10 Desember 2009
5 Automotive Tools Every Auto Owner Needs
5 Automotive Tools Every Auto Owner Needs
by: Mike Scurria
Automobiles are sizeable investments. As a car becomes older, its maintenance becomes increasingly important. There are many tools that every auto owner should have. Auto shops can sometimes charge exurbanite amounts for a simple fix that could have been done at home for much cheaper. Having the proper tools and knowledge will allow any auto owner to save money, learn more about their automobile, and maintain their car.
1. Every auto owner should have a jack and jack stands. When working on a car, more often than not, the car must be elevated. Simple procedures like rotating tires can be done at home with the help of a Jack. Additionally, all car owners should have a jack in their car with them wherever they go. In the unfortunate event of a flat tire, having a jack and a spare tire can lead to a simple tire replacement. In a garage, having a powerful jack and strong jack stands makes it possible for an auto owner to reach every point underneath the car and thus solve problems more efficiently.
2. One of the most important car maintenance practices is the oil change. To maintain an automobile, the oil should be changed once every 3,000 miles. Quintessential to a successful oil change is having an Oil Wrench that takes the oil filter off and allows the oil to be changed expediently. Without an oil wrench, an auto owner may be forced to take their car to an auto shop and overpay for a simple oil change.
3. Often when dealing with parts of the engine, or the hard-to-reach spots under the hood, proper tools are required. A 3/8-inch Socket Set can allow an automobile owner to loosen and subsequently tighten a wide variety of bolts. Different extensions allow the auto owner to obtain the best angles for torque and therefore make auto jobs quite a bit easier.
4. When changing oil, having a funnel, some rags, and a bucket is very helpful. Once again, the oil change is one of the most important maintenances for a car, and it can be done easily by anyone. However, many people do not have the proper tools or knowledge for a successful oil change. Having a funnel can also be useful when refilling any other fluids in one’s car. The funnel serves to make sure that fluids do not get over filled, which can lead to significant problems.
5. Finally, every auto owner should have a pair of solid vice grips. Some times a part will just not come loose. Other times, a car part may not seem to be tight enough despite one’s best efforts. Vice grips can hold a wide variety of car parts and allow the user to obtain more leverage for either tightening or loosening a part. When encountering a part that will simply not come loose, many auto owners will give up and take their car to a shop. Having vice grips can help one to avoid this problem.
Unfortunately, there is no car in existence that doesn’t require constant maintenance. However, with the right tools, anyone can fix minor problems and maintain his or her automobile without the assistance of an auto mechanic. The right tools can lead to a longer last vehicle, and large cost savings.
About the author:
Mike Scurria is very interested in automobiles. Learn more at http://www.sjdiscounttools.com.
by: Mike Scurria
Automobiles are sizeable investments. As a car becomes older, its maintenance becomes increasingly important. There are many tools that every auto owner should have. Auto shops can sometimes charge exurbanite amounts for a simple fix that could have been done at home for much cheaper. Having the proper tools and knowledge will allow any auto owner to save money, learn more about their automobile, and maintain their car.
1. Every auto owner should have a jack and jack stands. When working on a car, more often than not, the car must be elevated. Simple procedures like rotating tires can be done at home with the help of a Jack. Additionally, all car owners should have a jack in their car with them wherever they go. In the unfortunate event of a flat tire, having a jack and a spare tire can lead to a simple tire replacement. In a garage, having a powerful jack and strong jack stands makes it possible for an auto owner to reach every point underneath the car and thus solve problems more efficiently.
2. One of the most important car maintenance practices is the oil change. To maintain an automobile, the oil should be changed once every 3,000 miles. Quintessential to a successful oil change is having an Oil Wrench that takes the oil filter off and allows the oil to be changed expediently. Without an oil wrench, an auto owner may be forced to take their car to an auto shop and overpay for a simple oil change.
3. Often when dealing with parts of the engine, or the hard-to-reach spots under the hood, proper tools are required. A 3/8-inch Socket Set can allow an automobile owner to loosen and subsequently tighten a wide variety of bolts. Different extensions allow the auto owner to obtain the best angles for torque and therefore make auto jobs quite a bit easier.
4. When changing oil, having a funnel, some rags, and a bucket is very helpful. Once again, the oil change is one of the most important maintenances for a car, and it can be done easily by anyone. However, many people do not have the proper tools or knowledge for a successful oil change. Having a funnel can also be useful when refilling any other fluids in one’s car. The funnel serves to make sure that fluids do not get over filled, which can lead to significant problems.
5. Finally, every auto owner should have a pair of solid vice grips. Some times a part will just not come loose. Other times, a car part may not seem to be tight enough despite one’s best efforts. Vice grips can hold a wide variety of car parts and allow the user to obtain more leverage for either tightening or loosening a part. When encountering a part that will simply not come loose, many auto owners will give up and take their car to a shop. Having vice grips can help one to avoid this problem.
Unfortunately, there is no car in existence that doesn’t require constant maintenance. However, with the right tools, anyone can fix minor problems and maintain his or her automobile without the assistance of an auto mechanic. The right tools can lead to a longer last vehicle, and large cost savings.
About the author:
Mike Scurria is very interested in automobiles. Learn more at http://www.sjdiscounttools.com.
18 Simple Ways To Save Money On Your Car
18 Simple Ways To Save Money On Your Car
by: Jeff Slokum
The upkeep of your vehicle can be quite an expense - from initial purchase to insurance to maintenance. And sometimes we get the sinking feeling that every time we need a car repair, we’re going to get taken for a ride. (pardon the pun!) Actually there are some ways to make sure you don’t get a raw deal when dealing with a local body shop.
After you get recommendations for honest mechanics, call around to check out the prices for certain jobs. It’s always smart to get a second opinion.
How about some preventative medicine? Keep your gas tank filled. This will help you avoid the gas line freezing up in cold weather. Also, driving on “fumes” allows little pieces of dirt at the bottom of your gas tank to run through the fuel lines with the last drops of gas. This debris clogs up the fuel filter and can cause carburetor damage as well.
Sometimes a problem with your car’s electrical system results from a simple blown fuse. Check to see if you have any blown fuses before investing in a tow truck!
Keep track of how much oil your car uses. A sudden change in oil consumption means you need to see a technician.
Save your brakes by having your brake fluid changed every 30,000 miles.
Check your tire pressure once a month. This simple maintenance check can add up savings at the gas pump!
Stop and go traffic causes excess wear and tear on your vehicle. Go ahead and give your car a nice twenty minute ride at 55 mph on the highway every couple weeks if you “major” in short trips.
There are other ways to save money on car expenses. Let’s look at the insurance payments.
If you’ve budgeted for possible out-of-pocket expenses in case of a car accident, you might want to consider increasing your insurance deductible to $500. This will lower the cost of your insurance.
Talk to your insurance agent. If your car is as old as the hills, you might want to drop collision coverage to save money.
Car insurance companies offer a variety of discounts. Ask your agent if the company offers reductions for driver training courses, anti-lock brakes, car alarms, air bags, mature drivers, good students or maintaining a good driving record.
Before you purchase from a dealer, ask about the dealer's return policy, get it in writing and read it carefully. Dealers are not required by law to give used car buyers a three-day right to cancel.
Visit http://www.fueleconomy.gov to find cars that are fuel efficient.
Each 5 mph you drive over 60 mph is like paying an additional $0.10 per gallon for gas.
In most cases, using cruise control on the highway will save gas.
Replacing a clogged air filter can improve your car's gas mileage by as much as 10 percent. This isn’t going to cost you an arm or leg either.
Do your homework when buying a car from an auction. Many vehicles that have been damaged by floods and hurricanes are going on the market. These won’t last long – leaving you with a flood of bills. Be a little concerned if the carpet looks too new, and check carefully for signs of rust.
Carfax.com shares info on inspecting a used car to make sure you get the best deal.
If you use your car for business, keep track of miles traveled so that you can use this for a tax deduction. Get more info at irs.gov.
When you consider all the ways you can save money on your current vehicle, you might be persuaded to put away the extra each month for a new car down the road!
About the author:
This article provided courtesy of http://www.car-alarm-guide.net
by: Jeff Slokum
The upkeep of your vehicle can be quite an expense - from initial purchase to insurance to maintenance. And sometimes we get the sinking feeling that every time we need a car repair, we’re going to get taken for a ride. (pardon the pun!) Actually there are some ways to make sure you don’t get a raw deal when dealing with a local body shop.
After you get recommendations for honest mechanics, call around to check out the prices for certain jobs. It’s always smart to get a second opinion.
How about some preventative medicine? Keep your gas tank filled. This will help you avoid the gas line freezing up in cold weather. Also, driving on “fumes” allows little pieces of dirt at the bottom of your gas tank to run through the fuel lines with the last drops of gas. This debris clogs up the fuel filter and can cause carburetor damage as well.
Sometimes a problem with your car’s electrical system results from a simple blown fuse. Check to see if you have any blown fuses before investing in a tow truck!
Keep track of how much oil your car uses. A sudden change in oil consumption means you need to see a technician.
Save your brakes by having your brake fluid changed every 30,000 miles.
Check your tire pressure once a month. This simple maintenance check can add up savings at the gas pump!
Stop and go traffic causes excess wear and tear on your vehicle. Go ahead and give your car a nice twenty minute ride at 55 mph on the highway every couple weeks if you “major” in short trips.
There are other ways to save money on car expenses. Let’s look at the insurance payments.
If you’ve budgeted for possible out-of-pocket expenses in case of a car accident, you might want to consider increasing your insurance deductible to $500. This will lower the cost of your insurance.
Talk to your insurance agent. If your car is as old as the hills, you might want to drop collision coverage to save money.
Car insurance companies offer a variety of discounts. Ask your agent if the company offers reductions for driver training courses, anti-lock brakes, car alarms, air bags, mature drivers, good students or maintaining a good driving record.
Before you purchase from a dealer, ask about the dealer's return policy, get it in writing and read it carefully. Dealers are not required by law to give used car buyers a three-day right to cancel.
Visit http://www.fueleconomy.gov to find cars that are fuel efficient.
Each 5 mph you drive over 60 mph is like paying an additional $0.10 per gallon for gas.
In most cases, using cruise control on the highway will save gas.
Replacing a clogged air filter can improve your car's gas mileage by as much as 10 percent. This isn’t going to cost you an arm or leg either.
Do your homework when buying a car from an auction. Many vehicles that have been damaged by floods and hurricanes are going on the market. These won’t last long – leaving you with a flood of bills. Be a little concerned if the carpet looks too new, and check carefully for signs of rust.
Carfax.com shares info on inspecting a used car to make sure you get the best deal.
If you use your car for business, keep track of miles traveled so that you can use this for a tax deduction. Get more info at irs.gov.
When you consider all the ways you can save money on your current vehicle, you might be persuaded to put away the extra each month for a new car down the road!
About the author:
This article provided courtesy of http://www.car-alarm-guide.net
Rabu, 09 Desember 2009
foto calon induk belut
belut
belut untuk dijadikan calon induk.
penanganan calon induk belut harus hati-hati jangan sampai lecet karena bila belut lecet akan mengakibatkan buruknya proses pemijahan, pengambilan belutpun diusahakan jangan memakai tangan tetapi memakai skopnet yang besar dan kuat.
foto pemanenan benih ikan lele
foto pemanenan benih ikan lele.
kegiatan pemanenan ikan lele sebaiknya dilaksanakan ketika suhu masih rendah yaitu pada pagi hari. peralatan yang dipersiapkan untuk memanen lele, yaitu berupa ember, sair , tobong, timbangan, seser.
Acne - A Clean Face - Step 1 in a 12 Step Program
Acne - A Clean Face - Step 1 in a 12 Step Program
by: rudy silva
For those that need more than a special cream like Scotty's Face Cream, then you need to work harder to get rid of acne. Since acne is a condition that occurs from within your body and exhibits on the outside of your body, you need to,
§ Attack acne from inside your body
§ Attack acne from outside your body
If your acne is not to severe, all you might need is a good cream and need only to follow a few steps in my 12 step program to get you past the periods where acne is active.
If your acne is more severe, than you may have to follow my 12-step program, since acne is an expression of your whole body system and is a reflection of what is going on inside your mind, cell structure and internal organs.
Acne is an excessive toxic condition within your body, which the internal elimination organs are unable to eliminate. So your toxins are moved into your blood and excreted through your skin. It is an automatic survival mechanism your body initiates in an effort to protect the insides of your body - cells, liquid, blood, organs, and tissues.
There are 12 areas that you need to look at,
§ Keep your face clean
§ Using Scotty's acne face cream or your favorite face cream
§ Relive your constipation and the tree day liquid fast
§ Making changes to your diet
§ Get plenty of sun, air, and water
§ Vitamins you need to be taking
§ Minerals you should be taking
§ Special supplements to take
§ Herbal mixture to use or drink
§ Special detoxifying drinks or supplements to take
§ Brushing your skin
§ Change your attitude
Step 1: Keeping your face clean
If you use face cosmetics, you need to stop. Some cosmetics irritate the skin and can cause acne by plugging up your pores on your face. The cosmetics chemicals that can cause you the most skin and pore irritation and inflammation are:
mineral oil
lanolin
parabens
propylene glycol
Look at the label of the cosmetics you use. You will find that many cosmetics, soaps, and sunscreens contain these chemicals.
Find a water base make up, not an oil base. Find one that does not irritate your face and use it sparingly
When you wash your face don't use any commercial soaps since they are filled with chemicals that will irritate and worsen your acne condition. And don't excessive wash your face as this will dry your skin of the natural protective oil. Also, don't keep touching your face since you spread or add bacteria to it.
To wash your face use only,
§ Castile hand or liquid soap
§ Pure glycerin hand soap
You can pat your face with a clean hot face towel to bring circulation to your face and to help open and move the toxic material, in the pimple, to the surface. Do not scrub hard to burst a pimple but just scrub lightly to burst a pimple when it is ready to open.
Use the hot towel application only 2-3 times per week.
When a pimple is open do not continue to rub or scrub it. In fact do not pick or scratch an open pimple since this could create other sores or leave scars that are difficult to remove. Just washing your face with clean soap will keep your face free of toxic matter.
Keep in mind,
Whatever you put on your skin will move into your skin and into your bloodstream.
Most commercial creams, lotions, and soaps are filled with all kinds of chemicals that are toxic to your body. By using them you are making your liver work harder.
During the day or at night avoid resting your cheeks or chin on your hand(s) or arm(s). This can irritate your face and cause acne to breakout. When you sleep, try to sleep on your back and not with your face or side of the face into your pillow.
There you have it. Step 1, shows you how to keep your face clean to avoid getting acne or to help relieve acne.
Rudy Silva has a degree in Physics and is a Natural Nutritionist. He is the author of Constipation, Acne, Hemorrhoid, and Fatty Acid ebooks. He writes a newsletter call "natural-remedies-thatwork.com." More acne hints and information on his acne e-book can be found at: http://www.acne-remedies.for--you.info
by: rudy silva
For those that need more than a special cream like Scotty's Face Cream, then you need to work harder to get rid of acne. Since acne is a condition that occurs from within your body and exhibits on the outside of your body, you need to,
§ Attack acne from inside your body
§ Attack acne from outside your body
If your acne is not to severe, all you might need is a good cream and need only to follow a few steps in my 12 step program to get you past the periods where acne is active.
If your acne is more severe, than you may have to follow my 12-step program, since acne is an expression of your whole body system and is a reflection of what is going on inside your mind, cell structure and internal organs.
Acne is an excessive toxic condition within your body, which the internal elimination organs are unable to eliminate. So your toxins are moved into your blood and excreted through your skin. It is an automatic survival mechanism your body initiates in an effort to protect the insides of your body - cells, liquid, blood, organs, and tissues.
There are 12 areas that you need to look at,
§ Keep your face clean
§ Using Scotty's acne face cream or your favorite face cream
§ Relive your constipation and the tree day liquid fast
§ Making changes to your diet
§ Get plenty of sun, air, and water
§ Vitamins you need to be taking
§ Minerals you should be taking
§ Special supplements to take
§ Herbal mixture to use or drink
§ Special detoxifying drinks or supplements to take
§ Brushing your skin
§ Change your attitude
Step 1: Keeping your face clean
If you use face cosmetics, you need to stop. Some cosmetics irritate the skin and can cause acne by plugging up your pores on your face. The cosmetics chemicals that can cause you the most skin and pore irritation and inflammation are:
mineral oil
lanolin
parabens
propylene glycol
Look at the label of the cosmetics you use. You will find that many cosmetics, soaps, and sunscreens contain these chemicals.
Find a water base make up, not an oil base. Find one that does not irritate your face and use it sparingly
When you wash your face don't use any commercial soaps since they are filled with chemicals that will irritate and worsen your acne condition. And don't excessive wash your face as this will dry your skin of the natural protective oil. Also, don't keep touching your face since you spread or add bacteria to it.
To wash your face use only,
§ Castile hand or liquid soap
§ Pure glycerin hand soap
You can pat your face with a clean hot face towel to bring circulation to your face and to help open and move the toxic material, in the pimple, to the surface. Do not scrub hard to burst a pimple but just scrub lightly to burst a pimple when it is ready to open.
Use the hot towel application only 2-3 times per week.
When a pimple is open do not continue to rub or scrub it. In fact do not pick or scratch an open pimple since this could create other sores or leave scars that are difficult to remove. Just washing your face with clean soap will keep your face free of toxic matter.
Keep in mind,
Whatever you put on your skin will move into your skin and into your bloodstream.
Most commercial creams, lotions, and soaps are filled with all kinds of chemicals that are toxic to your body. By using them you are making your liver work harder.
During the day or at night avoid resting your cheeks or chin on your hand(s) or arm(s). This can irritate your face and cause acne to breakout. When you sleep, try to sleep on your back and not with your face or side of the face into your pillow.
There you have it. Step 1, shows you how to keep your face clean to avoid getting acne or to help relieve acne.
Rudy Silva has a degree in Physics and is a Natural Nutritionist. He is the author of Constipation, Acne, Hemorrhoid, and Fatty Acid ebooks. He writes a newsletter call "natural-remedies-thatwork.com." More acne hints and information on his acne e-book can be found at: http://www.acne-remedies.for--you.info
gambar drum plastik untuk budidaya belut
budidaya belut pada drumfoto drum plastik untuk budidaya belut,
proses tahap persiapan budidaya belut.
drum digunakan sebagai media pemeliharaan belut. media ini digunakan sebagai alternatif pemeliharaan untuk skala luas lahan sempit.
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