Can Your Business Survive

Can Your Business Survive

 

Ralph Waldo Emerson said, “Build a better mousetrap, and the world will beat a path to your door.”
But when you’re starting your own business, there’s no guarantee that your “mousetrap” is going to survive, especially in today’s fast-paced business world.

 

Nearly half of all small businesses fail within the first two years of operation. The number one reason for business failure is inadequate planning. The second reason is under-capitalization.

So before you mortgage your house, or go into debt financing your business, you need to know if your business is going to do more than survive — you want to know if it’s good enough to thrive! Here are three things successful businesses that have stayed in business for five years or longer have in common:

1. The idea. A successful business start-up always starts with an idea. Something that makes your business stand out from all the rest. So how do you know if you’ve got a good idea?

You’ve probably got a good idea if you can answer yes to any of the following questions: Does your idea provide the solution to a significant problem for your target market? Does it satisfy a need or want? Does it create an opportunity?

The most successful businesses either fix problems (either real or perceived), or they increase your customer’s pleasure. They create a repeat need for a product or service among the target market.

2. The market. Your chances of survival are better if you can answer the following questions with a yes: Is there already a market for your product or service? (It’s much easier to fill a need than trying to create an entirely new market.) Can your target market afford to buy your products or services? (If they can’t afford it, it doesn’t matter how great it is, you won’t sell any!) Will your target market perceive your product or service as valuable? (If they want it, but don’t think it’s worth what you’re selling it for, you won’t make any sales.)

3. Your ability. Do you have the people, the resources and the knowledge to be able to consistently provide your products or services to your target market? Can you maintain a competitive advantage? Do you have enough manpower? Can you purchase the supplies and materials you need over the long run?

Your first step always is to create a solid business plan. Your business plan is more than an essay on “Why I deserve to get funding for my idea” however. Don’t spend all the time creating a business plan and then toss it in the bottom drawer of your desk. Your business plan should be a living, breathing roadmap that helps you make sure you’re on course and reaching the goals that you set for your business.

The second step to business survival is getting enough financing. Although the term “bootstrap entrepreneur” describes most small business owners, having enough capital to be able to keep your business afloat is vital to your survival.

When you’re creating your financial analysis of your business, make sure you’re being realistic about costs and expenditures, so that you give yourself the cushion you need to succeed.

If finding financing is a problem, either because you don’t have enough credit or equity, or there are other problems, take the time to look into the resources that are available in your community. There are a wide variety of grants and loans (including microloans) for entrepreneurs, if you know where to look.

Some great resources will be: -The Small Business Administration -Local Small Business Development Centers -Women’s Organizations -Local University or Community College -Chamber of Commerce -SCORE (The Association for Retired Executives) -Nonprofit organizations that work on economic development in your area

Use other successful business models as a guide. When you’re getting started, look around. What businesses are successful? Why? What is it they’re doing that is working? What attributes do you admire, and why? You stand a better chance of succeeding if you’re modeling someone who is already successful.

Find a mentor. Most entrepreneurs have great skills and abilities, but no one does everything well. You probably already know what your strengths and weaknesses are. (If not, there are many resources and tools that can help you figure it out!) Rather than ignoring your weaknesses, find a mentor who can help you either build your skills in your weaker areas, or offer advice for getting what you need.

If you take the time to plan to succeed, you could be creating a legacy that will be enjoyed by future generations, and that other entrepreneurs will look at as a model for building their own businesses.

How to Shop for Auto Insurance

How to Shop for Auto Insurance

When you set out to buy a car, you usually take the time to consider your needs and budget. The same consideration is just as important when shopping for car insurance. We were flooded with car insurance ads every day; It’s hard to know which one is best for you and your family. Start your search by finding out your state insurance requirements, which can range between $ 40,000 to $ 100,000 per accident. Choosing the amount of coverage you need is the most important factor. Once you decide on the type of coverage you need, you can easily compare policies online to find an agency that offers affordable car insurance in West Palm Beach, or in your area.

Three Types of Auto Insurance

Insurance coverage is the cheapest option and usually includes damage caused by an accident. It is designed to treat damage to other cars or injuries to persons involved in an accident; It usually does not cover damage to you or your vehicle.
Collision insurance covers the required repairs after the accident. To ensure your repair costs will be taken care of, get a list of approved workshops from your agency.
Comprehensive coverage pays for damage due to theft, floods, vandalism, and damage caused by events other than collisions. Some comprehensive plans also include damage caused by uninsured drivers.

How to Shop for Auto Insurance

If you have taken a loan in your car, your lender may have rules about what kind of coverage you need; most lenders require comprehensive coverage. If you own your car directly, you can decide which type of coverage is best for you, as long as you comply with state laws.

Tips on Choosing the Best Car Insurance

Whether you purchased the first auto insurance policy or reviewed your current policy, take the time to compare multiple agencies. We recommend checking your rates every year. You can choose to get a personalized quotation from an agent, or save time using an online comparison tool.
Choose an insurance agent with good ratings. If you are dealing with a reputable company, they will most likely send online customer reviews. Find comments regarding claims, payments, and customer service. Another great resource is the insurance department in your state. Most countries publish a report stating how many complaints a car insurance company receives.
Choosing the right deductible can save you money. A higher reduction will reduce your overall premium, but it will cost you more if you have an accident. A lower reduction means less than a pocket at the time of the accident, but a higher premium along the way. If you have a good driving record and have no accidents in your records, you may want to consider a higher deductible.
Taking advantage of all possible discounts is the best way to make car insurance more affordable. Most insurance companies offer discounts for older drivers, married drivers, and safe driving records. You can also save money by purchasing a car with anti-theft protection and anti-lock brake system. You may be offered a discount to bundle your car and home insurance; However, you should check shared and separate costs before making a decision.
Ask which insurance company they offer for future savings. Some companies have programs that reduce your deductibles for safe driving every year, or you may have the option of keeping your deductible the same after your first accident. How to Shop for Auto Insurance
In the past, most people bought car insurance from agents; there are now companies that allow you to buy insurance by phone or online. Most major insurance companies still rely on local agents to take care of their customers. Your agent can help you find affordable car insurance in West Palm Beach, or in your area. How to Shop for Auto Insurance

What Your Fire Insurance Is Not Closed

What Your Fire Insurance Is Not Closed

By 2014, more than 360,000 home fires are reported; It is a fire every 86 seconds. Fires contribute $ 11.6 billion to property damage and thousands of unintentional deaths and injuries. In the home restoration business, fires are the most devastating for several reasons. Not only can destroying your house and destroying your belongings, but the water used to fight home fire can do a lot of damage. Here’s a fact you need to know about the restoration of fire and water damage in Atlanta.

Loopholes Insurance What Your Fire Insurance Is Not Closed

As with any insurance policy, you need to read the fine print before you sign in. Some homeowners do not realize that certain fire protection policies do not cover the water damage caused by firefighters who are trying to stop the fire. Damage to fires in your home may be isolated into the kitchen for example, but the water used to stop flames potentially flooding your entire home. Water damage can manifest itself on broken floors, wet dry walls, and even mold, none of which are covered by your fire insurance. If you have a historic house with antique crown molds and unique structures, the insurance company will soon replace these damaged items with cheaper and more modern equipment that will remove the value and charm of your home. Make sure your home is protected in case of fire with a comprehensive policy.

Protecting Your Values What Your Fire Insurance Is Not Closed

Most likely your valuables in your home are vulnerable to fire damage. Even jewelry, precious metals, and firearms can be damaged by fire. Fire proof is a great investment to protect your smaller valuables. They come in different sizes. Some people can fit right under your bed or in the dresser drawer while other safes with larger capacity will fit nicely in the closet. The flame retardant bag currently on the market can protect important files and documents from fire damage effectively. In today’s digital age, many people back up their important documents, such as mortgage and insurance information, to an online storage server.

For Women’s Health Starts 80% Off Promotion for Their Fat

For Women’s Health Starts 80% Off Promotion for Their Fat

Heather Jameson265
For Health Women have started a 80% off promotion on amazon for their belly fat removal tool: suction cup.

For Women’s Health Starts 80% Off Promotion for Their Fat

Promotions have a limited amount, and women who want to quickly lose belly fat and at the same time save a lot of money, should use this link For Women’s Health Starts 80% Off Promotion for Their Fat and this VR4JCCLY coupon code on the checkout page to get the cup suction them for only $ 9.99, discount from $ 44.99.

Before they start selling suction cups on amazon, to General Manager of Women’s Health, Samantha has tested a cup in 80 American women who want to quickly lose belly fat.

They are all overweight and have started using suction cups in their abdominal area twice a day, for 2 weeks.

After 2 weeks of testing, 43 women had lost more than 2 inches from their waist and 27 of them had lost more than 1 inch from their waist.

Five of them have lost half an inch from their waist, while 5 other women do not see the result because they do not use the cup every day.

Here are the steps women should follow to remove the stomach with a suction cup.

First, they need to apply coconut oil to the area where they will use suction cups. Can also be used in the bathroom.

Then, they must remove the air from the suction cup by pinching it with their fingers.

While holding the pressure on the suction cup, the woman should place it in the abdominal area.

Once the suction cup has been placed in contact with the skin, they can release the pressure with their fingers. The skin from the stomach is now sucked into the suction cup and the disposal of fat deposits can begin.

They have to massage the abdomen to make a circular motion for 1 minute.

The suction cup must be moved from the ground up to the area they are stimulating. Once at the top, the suction cup can be detached and the movement can be repeated for 3 minutes.

Once they have finished treating the abdominal area, they can get air back into the suction cup so as not to remove it from the skin and then they can start parrying in the thigh area for similar results.

This holiday home is a style statement

This holiday home is a style statement

A 1350 sq. ft. holiday home in Mumbai by Amit Shastri Architects materialises as an uber luxurious, contemporary space.
The spatial constraints of a Mumbai home have been overcome with unique elements that become part of a coherent design, each element part of a larger whole. The home is a cosy and comfortable haven for the family, yet chic and modern to encourage the social function of the space.

This holiday home is a style statement

Opulent finishes render the house glamorous yet elegant. Neutral and natural colours of wood imbue the space with understated charm. Variants of veneer with natural polish such as fumed stripy oak in the living room, fumed eucalyptus in the guest room, dyed ash sage in the children’s room, dyed oak in the master bedroom… all contribute to varying shades of neutral envelope and comfortable décor.

A wide range of Italian marble like the grey Fresco, bronze Armani in the living room and white Travertino in the master bedroom futher the natural feel and colours, while adding a dimension of richness.

Frosted glass and Italian marble wall cladding enhance the extravagance. While the use of mirrors as wall claddings effectively triumphs over the visual constraint of a tight rectangular space.

The subtle colours of upholstery, art pieces and ceiling features in most spaces become part of and enhance the natural décor, while an apt contrast is achieved in the girl’s room with spunky colours and geometric patterns and projections.

The detail-driven work and crisp programming of lines and spaces is also evident from the furniture pieces, customised on site to derive integrated and efficient solutions as well as add unique grandeur to the interiors.

A dynamic lighting palette enhances each space; geometric patterns create varying moods for different occasions, rendering the space with drama and grandiose. This holiday home is a style statement

Farha & Associates Launches The UK’s First Dedicated Service For Setting Up An HMRC Approved EMI Op

Farha & Associates Launches The UK’s First Dedicated Service For Setting Up An HMRC Approved EMI Op

EMIOptions.co.uk is a company offering help articles and resources so you can easily set up your EMI options scheme. The information from EMIOptions.co.uk is designed to help you to build your options scheme so you can focus on building your company. Not only are there useful resources and information on the UK’s first dedicated service for setting up an HMRC approved EMI options scheme.
Who Is EMIOptions.co.uk?

 

EMIOptions.co.uk is a team of lawyers and advisors who have pedigrees in the best law firms in London. The EMI options specialists are available to advise and help you throughout the entire process. A great outcome is virtually guaranteed for you and your team.

EMIOptions.co.uk have a 100% track record of agreeing nominal value valuations with the HMRC in funded but pre-profit companies. We can help you to set a low strike price for your team, so that they get the maximum benefit of the growth.

Why Set Up An EMI Options Scheme?

When you set up an EMI compliant share option scheme for your employees, you can help 80% 80% tax on an exit by as much as 80%. The team at EMIOptions.co.uk can help you through the process and guarantee that your company is eligible for this scheme. You can check your eligibility using the website, making the process even easier.

A Detailed Guide On The Enterprise Management Incentive

On the EMIOptions.co.uk website, you can find a detailed guide on the EMI scheme. This scheme provides the distinct tax advantages of the employment options. The scheme is specially designed to be beneficial for smaller companies. With this scheme, you will have the capacity to grant options to chosen staff members. This then permits these staff members to acquire shares in the company over a set time frame, providing these employees meet the qualifying condition criteria.

The resources found on EMI compliant options, EMI compliant options, how the type of scheme functions, conditions, for staff members to qualify, and more.

Get In Touch To Find Out More

If you want to know more, get in touch using the contact form on the website. Alternatively you can use the contact information below.

Contact:
James Farha
Company: EMIOptions.co.uk
Address: 96 Kensington High Street, London, W8 4SG, UK
Phone Number: 0203 667 8738
Email: press@emioptions.co.uk

Choosing the ideal saddle girth

Choosing the ideal saddle girth

The girth is quite an important part of a horse’s saddlery, which we owe a lot to. Without a girth, we would presumably have to ride everywhere bareback, where the majority of us would need to develop an almost superhuman degree of balance to cope with the implications of that! Think about the implications of the girth on the horse: it is a small but very important item of saddlery that can cause all sorts of discomfort if fitted incorrectly. As with most things in the equine world, there is a vast number of girth available on the market, but there is a great deal of considerations to be made before launching into an impulsive purchase.
Firstly, the size of your girth will be your primary concern. The best way to find your horse’s girth size is to use either his current girth, or borrow a girth which fits well, and measure that. Of course, if his current girth is too big or small, you may add or subtract an inch or two depending. You can also measure the distance around your horse from the middle girth straps, but this may not be as accurate as you might hope. Girth extenders are a possibility if you are already lumbered with a too-short girth, but they can look untidy so it is best to invest in something which does fit.

 

As with any piece of saddlery, the quality of the material you choose for your girth will affect the welfare and comfort of your horse. Leather will make for a good quality durable product, however it has been known to rub in the elbow crevices of some horses. If this happens, it may be due to the stiffness of the leather, which is a common problem with new girths. Whilst your horse is wearing it in, it will mold to him better, but try to soften the leather up with a specialist leather cream. Ask your saddlery retailer for their recommended brand, as a good quality leather cream will not only keep the girth in good condition, but should prevent it from rubbing your horse. Obviously, if your horse continues to rub, then it may not be appropriate to persist. Consider a neoprene covered girth; These are specifically designed with comfort in mind. They can cause heating under the girth area, but do reduce the pressure points that can happen with a cheap webbing girth. Webbing girths are great for your pocket, they are very reasonably priced, but do believe that your horse is comfortable. Also remember to check for any signs of wear, as these girths can be less durable over time than other materials, and a snapped girth could result in an injury.

The style of girth you choose for your horse, like many saddlery accessories, will often depend on your discipline. For example, if you showjump or event, a stud guard will be essential, as will an overgirth for the latter. For the serious dressage rider, a specialist dressage girth would be ideal, to free up the movement of the elbow and maximize performance. Despite the confusing array of styles available, the main principle to remember is: the greater the surface area of ​​the girth, the more the pressure will be spread out, increasing the horse’s comfort. A girth which is contoured around the elbow, whilst widening between the forelegs would be ideal for everyday purposes.

Overall, you must have a very clear idea of ​​what works for your horse, and tailor the girthing process to meet his needs. Do not forget about saddlery accessories such as girth sleeves and elasticated girth straps to adjust the fit and comfort that a girth can provide. Finally, ensure you girth your horse up steadily and gently to avoid any issues developing around the girthing procedure. Once you’re pleased with your tack, you and your horse will be ready to enjoy a good ride- whatever it is that you do together.

How to Travel Like a Local in the Dominican Republic

How to Travel Like a Local in the Dominican Republic

We know your traveler type.

You bring the same appetite with street food as you would bring to an upscale restaurant.

You’d rather find your way to the beach (or museums, shops, restaurants, etc.) Instead of going with a tour.

You will receive suggestions from each guidebook at any time.

Bottom line: You are enticing local flavors. You want to travel like a local.

And you have chosen the right place. The Dominican Republic offers some of the friendliest people, the best food, the loveliest beaches, the widest selection of accommodation and the most diverse activities in the Caribbean.

Here’s what you need to know to enjoy it all.

When to go
No bad moments.

June to December, roughly, is the hurricane season, and some resorts close in October. But assuming no storms, temperatures are stable, rooms are discounted and crowds are smaller.

March to July is the shoulder season.

Santo Domingo on the southern coast is likely to see frequent short rains that continue through October. And the day can be windy. But the temperature was comfortable. May and June will see some cloudy days with occasional afternoon showers.

Mid-December to February and the week before Easter is a high season, which means higher prices and larger beach crowds.

(Note that water sports are banned all over the country for the week before Easter).

What to Pay and Where to Stay
You will find accommodations in almost every price and category range, from all-inclusive resorts and Dominican Republic villas to budget hostels and hotels.

Within the budget range, you can earn about US $ 60 per person per day, including hotel room or dorm for one person, food, and transportation via local motor taxi (motoconchos) and minibus (guaguas).

In mid-range, the average daily charge amounts to US $ 110- $ 150, including first-class bus transportation between the city and entertainment including a guided tour.

With a luxurious budget, the average daily cost is usually north of US $ 200 for luxury hotels or all-inclusive resorts and upscale dining.

The local currency is a Dominican Republic peso, so do not forget your currency conversion calculator.

And do not worry about the 28% service charge that is usually affixed to your restaurant bill; that includes a 10% tip (although you can add more).

In the same way, the hotel builds up with service charges, albeit a few U.S. dollars. per night for housekeeping will always be appreciated.

Where to go and what to do
Beach

Most resorts have beaches. But in a country famous for its beaches, you can do much better with a little traveling.

The most calm waters are the islands on the south side of the island. The beaches in Punta Cana, La Samana, and Puerto Plata are in the Atlantic and the water tends to be slightly rougher, especially between December and February.

In particular, Boca Chica is a beautiful white sand beach, just a few miles east of Santo Domingo. But its proximity to the city is also its biggest deficit, as Boca Chica tends to be very crowded with families from the city.

Juan Dolio beach a few minutes further east is quieter. And there are many alternatives, including beaches in the small town of Las Terrenas, Cayo Levantado near Samana Bay (accessible by boat only), El Rincon beach and – to a beautiful coral reef and great diving – Playa Cofresi.

Wherever you go, remember that on Sundays, easily accessible beaches tend to be more crowded with the locals.

But the Dominican Republic is more than just a beach.

Capital city

Santo Domingo is the state capital and cultural center. The hotel has museums, parks, upscale restaurants and street food, music and nightlife.

Colonial City is a historic area that is very fascinating.

And Malecon, a seafront promenade, is the perfect place to drink at sunset in one of the many hotels, casinos and restaurants overlooking the Caribbean.

Outback

Unlike some of the Caribbean’s famous destinations for their beaches, the Dominican Republic also has lush mountains and forests.

Mount Isabel de Torres is famous for spectacular city views and a cable car ride to the summit. There are also steep hiking trails if you are feeling adventurous.

Cascades of Damajagua showcases a series of ponds and waterfalls. The ascent to the summit is very heavy and you may need help. But the result is an exhilarating tease back down.

Sportfishing is also a major entertainment in the Dominican Republic, and some operators operate zipline adventures and canopy tours in the jungle.

Save Time and Money with Shipping Insurance

Save Time and Money with Shipping Insurance

In some industries, you are required to send many packages by mail. Maybe you have several factories that specialize in different parts of the same product before it’s done, or maybe you have some clients who prefer to ship their items right from your office. Whatever the case, it often makes sense for a business to run an insurance delivery account when they will be using a regular delivery service.

Save Time and Money with Shipping Insurance

The main benefit of having an account for PIC insurance is you do not have to worry about having to think about whether every package needs to have shipping insurance before you ship it. In any business, time is just as important as money, and in some cases time can be even more important. Every second you spend thinking about whether this package requires insurance or filling out the necessary documents is the time that you can spend on other aspects of your business.

Seperek here or there may seem unimportant, but when added together, the price can be very expensive. For example, you have to fill an order that requires 50 packets, and you must fill out a document to get shipping insurance for each package. If each form takes 30 seconds to fill in, you’ve spent almost half an extra hour fully packing your packets. Do it twice a week for a year, and you’ll spend a full working week at no cost except shipping. Efficiency is one of the key to making money for a business while wasting time just the opposite.

Not having an account can also be expensive in terms of lost money because it does not take advantage of discounts. When you send multiple packages at once, you can often get a price break for a larger amount. This can be valuable, because every dollar saved is a dollar then you can reinvest it into your business. It’s much easier to grow a business when you can allocate other resources to hire more qualified people. Save Time and Money with Shipping Insurance

Choosing an account for PIC insurance is a great way to get your business in a prime position to deliver the goods to where you need them, while ensuring your reputation stays intact with the items you send. If you are looking for ways to move your business forward, this can be a great start to doing.

White House statement on Trump’s call with Saudi king doesn’t mention arrests

White House statement on Trump’s call with Saudi king doesn’t mention arrests

Saudi Arabia’s King Salman bin Abdulaziz Al Saud (R) presents U.S. President Donald Trump with the Collar of Abdulaziz Al Saud Medal at the Royal Court in Riyadh, Saudi Arabia May 20, 2017. JONATHAN ERNST

A statement the White House released about a phone call between President Donald Trump and Saudi Arabia’s King Salman did not make any reference to the overnight arrests of high-level princes and officials in the kingdom.

“President Donald J. Trump spoke yesterday with King Salman bin Abdulaziz Al Saud of Saudi Arabia,” the White House statement said Sunday. “King Salman expressed his condolences for the recent terrorist attack in New York City. President Trump thanked the King for his support and emphasized America’s commitment to defeating ISIS.”

The statement said Mr. Trump and Salman discussed “the continuing threat of Iranian-backed Houthi militias in Yemen” and Saudi Arabia’s interception of a missile fired from Yemen at its capital, Riyadh.

Mr. Trump also thanked the monarch for Saudi Arabia’s military purchases, including a $15 billion investment in the American-made THAAD anti-ballistic missile defense system, and he asked the king to strongly consider listing state-oil firm Aramco on a stock exchange in the United States, which Mr. Trump had earlier mentioned in a tweet.

Would very much appreciate Saudi Arabia doing their IPO of Aramco with the New York Stock Exchange. Important to the United States!

— Donald J. Trump (@realDonaldTrump) November 4, 2017
Saudi Arabia arrested dozens of princes, senior military officers, businessmen and top officials, including a well-known royal billionaire with extensive holdings in Western companies, as part of a sweeping purported anti-corruption probe that further cements control in the hands of its young crown prince.

A high-level employee at Prince Alwaleed bin Talal’s Kingdom Holding Co. told The Associated Press that the royal, who is one of the world’s richest men, was among those detained overnight Saturday. The company’s stock was down nearly 9 percent in trading Sunday on the Saudi stock exchange.

The surprise arrests, which also reportedly include two of the late King Abdullah’s sons, were hailed by pro-government media outlets as the greatest sign yet that Crown Prince Mohammed bin Salman is keeping his promise to reform the country, long plagued by allegations of corruption at the highest levels of government.

Analysts have suggested the arrest of once-untouchable members of the royal family is the latest sign that the 32-year-old crown prince is moving to quash potential rivals or critics. The prince’s swift rise to power has unnerved more experienced, elder members of the ruling Al Saud family, which has long ruled by consensus, though ultimate decision-making remains with the monarch.

The king named his son, the crown prince, as head of an anti-corruption committee established late Saturday, just hours before its arrest of top officials.