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Every business in America, no matter how big or small, must adhere to governmental rules and regulations on the state, local and federal level. However, the weight of being in compliance with federal, state and local regulations is heavier on small businesses than on the larger corporations, giving the larger companies an unfair financial edge.
Regulations have been put in place over the years to protect not only the worker, but the environment, and community. There are many different types of regulations that companies need to comply with in order to do business that include such things as paying taxes, retirement plans, labor laws, workplace safety issues, environmental impact issues, waste disposal and international commerce.
While larger companies have the funding to handle such compliance, a smaller company with less than 20 employees could quickly fold with the burden of having to keep up with these regulations, especially for companies that are just starting out. However, to compete with other businesses and become successful, it is important that all small businesses stay in compliance with federal, state and local regulations.
But at what cost? A small business can structure itself in many ways. A sole proprietorship does not have all the same regulations as a Limited Liability Company that has employees. However, not every company can be a sole proprietorship. In fact, most aren’t. Small businesses, which are considered companies that have less than 500 employees, make up 99% of all employer firms in the United States. However, companies with less than 20 employees pay over 25% of all compliance costs. That’s a heavy burden for the smaller companies to carry. Let’s look at the numbers.
To be compliant in the area of environmental, workplace safety, tax and economic regulations, the average cost per employee for a small business with less than 20 employees is ,645. For a larger company that has 500 or more employees, the cost drops to ,282, with companies between 20-499 coming somewhere in between that number. This is a staggering difference in cost in that statistically the revenues generated by larger companies and the tax benefits afforded them by the government are higher than those for smaller businesses. This leaves the small business owner needing to produce more revenue to keep up with its larger competitors while still fulfilling its obligations regarding federal, state and local regulations.
Another disadvantage is that it is more costly for smaller business to handle all the required paperwork to stay in compliance. Laws are changing all the time. Papers need to be filed and approved. Inspections need to be done. Because of this, it is easy for important details to fall the by the wayside during the normal course of business.
While a large company will have a dedicated person, team or department to deal with all the compliance regulations, a small business owner usually will either assume the role of contact for all federal, state and local agencies they need to work with or have a dedicated person within the company wearing two hats. One for their regular job and one for incremental activities to keep up with compliance issues. While some of the foundational tasks would be present for normal operation, the cost of hiring a dedicated employee to handle the incremental tasks (tasks that are put in place just to keep up with compliance) is not always possible without considerably eating into profits.
Many businesses don’t always know where to go to keep up with the changing laws regarding compliance. However, icancomply.com is a website dedicated to giving up to date information about current laws, regulations and forms needed to help comply with these regulations make compliance a little easier than it was years ago. Still, the process is both costly and time consuming for the small business owner.
The Small Business Regulatory Fairness Act of 1996 (SBREFA) was put in place to recognize the unfair advantage of larger corporations over small businesses and to help small businesses with reaching their goal of compliance. As a result, small businesses name a dedicated person within the company to act as liaison with the SBPRA.
Although systems have been put in place to help the small business owner with federal, state and local regulation compliance, the cost burden on small businesses has not changed and continues to be a hurdle that many small businesses must leap over to be successful. The very idea of not complying as a cost savings strategy might be tempting for some businesses, however, this is unwise and can have detrimental financial consequences.
Still, because of the high cost of compliance with federal, state and local regulations, many large companies are willing to take a “slap on the wrist” and pay a steep fine, sometimes as high as 0,000 for not being compliant with regulations because financially it is more profitable for the company. Without someone policing their every move on a regular basis, it may be easy to stay under the radar. Unfortunately, that same risk to small businesses could be financially devastating.
As long as programs are in place to help small business keep up with federal, state and local regulations and they continue to have a voice with OSHA, the EPA and other federal agencies by way of the SBREFA, small businesses will be able to thrive and remain a vital part of our economy.
For free small business regulations checklist, visit http://www.icancomply.com
Customers will perceive your business as a legitimate and reliable one if you present them with these prints, rather than improvised albums full of pictures. Catalog prints also allow you to showcase your entire remodeling portfolio as well as include value-added contents that your customers will love to browse. Full color print catalogs will make your customers enjoy browsing so this is one way to keep them interested in your services.
Catalog Printing Design Tips for the Home Remodelers
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• Give your customers a glimpse of what’s inside your catalog prints. You can do this by printing sections and a few photos of the things that they can see in the inside pages. It’s much like a magazine cover actually. You can also include a simple table of contents on your cover. Of course, you should not forget to put your business name and tagline on the covers.
• When featuring remodeling projects, be sure to include various photos for each. There should be a snap shot from every angle and section. For example, if you are showcasing a kitchen design, you can have a large photo of the entire kitchen. Then, add smaller photos showing each section in the kitchen. There should be a photo of the sink, the countertops, the overhead cabinets, the cabinets under the sink, etc.
• Before and after really works when showcasing remodeling portfolio so never forget to include these. You can feature some of your successful projects as well as include testimonials from the clients.
• It is also important to give out important information about each photo included in your catalogs. You don’t need a comprehensive explanation. Just a sentence or two stating the significance of the photo.
Sales Resume Samples
• You can also include tips and suggestions at the latter parts of your catalogs. DIY tips and suggestions on how to redecorate small rooms or decorate on little budget. If you are distributing your catalog prints, these will give the readers reasons to hold on to their copies.
Catalogs are like tireless salesman. They work for your home remodeling business all day without complaints. With well-designed home remodeling catalogs, it’s easy to pique the interest of clients and thus impress them with your services and skills. You can follow the tips above for guides on how to do your color catalogs right.
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Sometimes the world that we live in can be discouraging. In fact, if you let it beat you down it can be a little depressing. Without constantly renewing your mind, it can get the best of you. How does one stay upbeat and positive in the midst of a negative world? Using inspirational quotes can help uplift even the most negative situation.
A good inspirational quote can spur your mind on toward greater achievement. In fact it can inspire you to do wonderful things with your life. Without something to guide us, we will often-times feel lost.
Inspirational quotes are usually by wise people who have accomplished a lot in their life. These quotes give us the inspiration to try and accomplish as much with our life. Here is a great quote by Ralph Waldo Emerson. “Do not go where the path may lead, go instead where there is no path and leave a trail.”
What does this mean exactly? In my opinion it means that we should not follow the crowd. The easy way is to float through life meaninglessly. Most of us just kind of go with the flow and end up wherever the masses do. However, a select flew go in the opposite direction of the masses and achieve greatness.
This brings to mind another quote by Emerson, “The mass of men worry themselves into nameless graves while here and there a great unselfish soul forgets himself into immortality.” This quote inspires me to move forward into greatness. We should always put the other person first. Never worry about what other people think or about the outside world. Focus only on the goal and you will be remembered in a great way.
Sometimes we get caught up in the rat race and forget to stop and smell the roses. We have to take time to enjoy the world that we’re in before it’s too late. This inspirational quote by Ursula Le Guin sums it up beautifully. “It is good to have an end to journey toward; but it is the journey that matters, in the end.” We can’t take life to seriously…we’ll never get out alive.
Many of us go through life timidly. We’re afraid to bother someone or what others might think. Our mental boundaries keep us shackled into a limited existence. Through the use of inspirational quotes, we can break free from the bonds of the masses.
If we surround ourselves with beautiful inspirational quotes like the ones above, we can’t help but have a better attitude. Equipped with a better attitude, you’ll feel like you’re ready to take on the world. If you have this attitude for a prolonged period of time, things will start to happen for you in a big way.
So you’re starting a small business. You figured out what you wanted to sell or do and went out and got it all set up, had your DBA framed and on the wall and now all you need is for someone to buy your product or use your service. Right?
How are you going to go about getting your public to know you even exist?
Promote! Promote! Promote!
Well that all sounds simple, but say you’re a financial specialist, a boat builder or llama farmer. They probably didn’t teach the basic principles of starting small business promotional campaigns in boat-builders’ school. So what do you need to know, and how do you go about it?
Let’s start with the “Basic Principles” of promotion:
What is Promotion?
Promotion n. Anything, as advertising, public appearances, etc., done to publicize (get the attention or interest of the public) a person, product, event, etc. The New Webster’s Concise Dictionary2003 Encyclopedic Edition
Why do you promote?
The purpose of promotion is to make sure people know you are in business. You promote because if you don’t, you won’t make it in business. You promote because it is communication that you need to engage in in order to survive. You promote in order to expand and get the attention or interest of the public for your products or services. You promote because if you don’t, no one will know you exist and no one will buy from you and…well, you get the point.
How do you promote?
There are more ways than you would ever think. Have you ever heard someone say, “I never promote and I am always busy” OR “I don’t have to promote, all my business comes from word-of-mouth”? They may not be aware of how they’re doing it, but I promise you they are promoting somewhere. Maybe they just go around telling everyone they talk to, that they don’t promote. (Sound funny? It’s still promoting.) Maybe their larger-than-life running water faucet in front of their store attracts so much attention that they don’t need to do anything else. Well here are some ideas you can do “knowingly” to drive in the business.
· Greeting your customers with a smile is a great place to start.
· Calling your customers after they have had a chance to use your product is a good way to promote that you care about their experience with your organization. It can also create an opportunity to make more sales.
· A neatly packaged product, the shipping label on straight, promotes that you take pride in what you do.
· Always keep up-to-date brochures or catalogs about your business in your reception area for people to see and take with them.
· If you have customers coming into your business, make sure they are greeted pleasantly, professionally, and immediately.
Anything that gets the attention or interest of the public for the company, its employees, its products or services (in a positive way) is promotion.
But how do you go about promoting to the masses?
Here is a story that could save you thousands of marketing and promotional dollars, as well as months or years of experience.
“I was working as the Communications & Promotional Director in a medium size business. We were fortunate enough to have our own commercial printing press, that put out lots of very fancy letters, catalogs, brochures and other promotional items, and oh yes, envelopes to put them in. My full time pressman and his helpers, spent several days each week getting everything printed, cut, folded and sent over to the mailing house.”
“There, they had machines that automated all the stuffing, sorting, addressing and stamping. All in all everything was going very well. We were sending out about 40,000 pieces per week at a cost of about ,800.00, and getting around 120 to 140 good leads per week. This generated an average of 2 new sales per week for a product that cost around ,000, and re-sign income of around ,000 more. We weren’t growing very fast, but we were making money. “
“THEN…911 hit.”
“Suddenly, nobody wanted to open envelopes. Our leads were dropping to nothing. We were heading toward our own disaster like so many other companies did. I knew I needed to promote, but what good did it do if nobody read it! “
“I was talking to the owner of the mailing house and he suggested the use of POSTCARDS instead of letters. So we decided to give it a try. Unfortunately, I had much less money to allocate towards promotion, so I started by sending about 20,000 postcards weekly. The total cost-per-piece, needing only one day on the presses, half the labor at the mail house and a substantial decrease in postage, was reduced by about 60%.”
What was the result? Try 120 to 140 leads per week!
Why?
· You don’t have to open a post card!
· You see it right away, the bright picture is not hidden from view by an envelope.
· The message leaps right out and you can’t ignore it or throw it in the trash unopened (the fate of many bulk mail pieces).
Postcards are the best medium to reach new customers when starting a small business promotional campaign.
Customer Service is basically the way you interact with your client before, during and after a sale is executed or a service is rendered.
In this age of computers and internet a lot of innovations are happening that make life easier. However, with these innovations client services have become impersonal and most of the time scripted.
In business, the customer is king still holds true; no matter how far-fetched or unrealistic some of their demands may be. Everybody knows that for a business to thrive a loyal customer base must be nurtured and managed – customers who are willing to do repeat transactions with the company. Each satisfied customer expands the business exponentially. For behind every single happy client lies 10 more potential customers.
Any strong marketing support that a company provides for its products and services will still fall short of its objective if customer service is non-existent or lousy at best.
So how is customer service defined?
A customer service is considered good when the service comes with a smile. It is going beyond the perceived value of the product or service. It is far from the overly mechanical customer service scripts that we all have become accustomed to.
It is the need for human interaction in every encounter with a customer and their issues and problems done in a satisfactory manner.
In this modern world of technology where everything is viewed as borderless and seamless, assigning a generic department to handle customer service issues is an outdated practice.
Company managers are already aware that clients deal with employees in different levels of the organization. Each individual represents the company. Should any untoward incident happen involving the interaction between a company employee and a client, there is high probability that unwanted detrimental information about the company will be disseminated by the aggrieved customer. The solution to this problem to prevent negative publicity is to have a well-trained team on good customer service and rules of engagement with the clients.
The internet also introduced a new approach to customer satisfaction. A web marketing company relies on a sort of self-service style or approach in managing customer’s needs. A visitor to their website, upon purchase of products or services online, will more likely transact again with the company if he sees that everything he needs can be had with a click of the mouse. The user friendliness of the site from having easy access to its support staff to filing a complaint or returning a product makes for a great customer experience.
Marketing support is an integral part in bringing in the initial money to the company. The only thing that will keep in the profits, in the end, is rendering good customer service.
In today’s tough economy more and more people are considering a small business opportunity as their method of weathering the storm. Whether it is a small home based business or a business that is physically started in another location there are very important considerations before moving forward. In fact those who carefully evaluate every aspect of the small business opportunity under consideration are better positioned to make an informed decision. When they decide to move forward they have a much better understanding of the business, the market and their customers. Read on as I present some of the key factors that make opening a dollar store worth your consideration.
Solid Marketplace
In today’s tight economy more and more shoppers have become bargain hunters. They are looking for the best deals possible on the products and services they need. Dollar stores are a perfect fit for these bargain hunters.
Something for Everyone
One of the great features of the dollar store business is the wide range of wholesale products available to you. Those opening a dollar store recognize that by knowing your customers and their specific wants and needs you can fill your store with the items they seek – and those products are available.
Great prices
Many of the items offered in a dollar store can also be found at full price retailers. The only difference is they are typically sold for considerably less.
Wide selection of products
Not only is there a wide range of products, but the depth in the variety in brands for the most popular products is impressive. Shoppers can typically select from several options when making buying decisions.
More personalized service
For those who like dealing with people, dollar stores are the perfect fit. From a shopper perspective the more personalized service coming when they visit a locally owned business helps to seal the deal when it comes to shopping. Locally owned and more personalized service will always win when everything else is equal.
Opening a dollar store provides the opportunity for those who wish to start their own business to do just that. It’s a matter of finding the perfect location, ordering and installing the store fixtures and equipment, ordering and displaying the merchandise your shoppers must have, providing outstanding customer service, and then properly promoting your store to facilitate the traffic and sales. Carefully investigate before moving forward.
To your success locating the right small business opportunity for you!
Are you a small business persona who requires a loan for smooth functioning of your business, but think that past mistakes of not repaying loans in time may come in the way of taking a fresh loan? Well in the UK you have always an opportunity in the loan marketplace. There are plenty of lenders in the UK who are more than willing to serve with bad credit small business loans. Such lenders know your business well and understand that you would be clearing the loan as your circumstances have improved much now. So through bad credit small business loans, the UK business persons can meet variety of expenditures on buying equipments, machinery, salary, office furniture or they can even clear old debts.
For availing Bad Credit Small Business Loans, all a UK borrower has to do is to take a convincing business plan to the lender. The plan should state all details of your business and have all past tax records produced before the lender. This assures the lender that you intend to repay the loan in time as he sees your plan of investing the loan. Also tell the lender that your business has good prospects of generating income in near term. Another way to assure approval of bad credit small business loans UK is that you must show a convincing balance of in your bank account. Note that you would be using the loan in the business. So you should be having a good balance to pay off bad credit small business loans installments regularly. If you take these basics in mind, the lender is sure to approve you required amount of loan.
Also note that the best way to negate bad credit factor is to provide your home or any valuable property as security of the loan to the lender. This way you can extract favorable terms-condition loan including comparatively lower interest. However you have the option of unsecured bad credit small business loans without collateral. Interest rate will be higher and smaller amount is approved for shorter duration.
Make sure to take rate quotes of lenders for a locating a suitable bad credit small business loans in the UK. You can locate such lenders on the internet. Make best use of the loan and pay off the loan installments regularly for improving your credit score.
There are two things when you want to redesign your car looks, the interior side and exterior side. These two things have different area and function. You can keep focus to the both side, or maybe you have follow your little heart said, keep your car floor always clean. If you want this term become a real thing, you can focus on the interior design, and first thing, you can do with the floor mats. There are more kinds of the floor mats, design and color can make the floor always match, and the other thing is to protecting floor from any dirty things without any hard way to install.
Choose the auto cargo liner and fix it with the car floor. Look match and fix are the important term, can keep your car floor always have extra protection. Understand about the unstable weather, any dirty or when the rainy and snowy condition always gives the dirty area on the car floor, with the right liner the dirty object can spill out on the right place and you can easy to clean and wash it. Mention about one thing, keep car floor always stay away from fungi condition and give unstable area, stay away from corrosion and give your car long life.
Career Life Lessons: From an 11 year old paperboy
You remember the neighborhood paperboy. Almost everyone took the daily paper. The kings of the paperboys in my mid-western city delivered to almost every house in an eight block area and sometimes had a helper.
They could make or more a week and the local newspaper set aside some money every week so when the paperboy retired at age 17 or 18 they might have up to 00 or more to help get them started toward college. If you think this wasn’t much money-it would pay one year’s tuition and some of the expenses at a pretty good school. Like I said this was a long time ago but the lessons learned are just as applicable today.
You had to know somebody to get one of the big paper routes or be at least 13 or 14, but I uncovered a kid about my age (11) whose parents told him to quit because he was spending too much time and getting almost no return. This was a Sunday paper route with about 60 customers delivering the big fat Sunday paper from the big city. The paper reached our town on a train at about 3am Sunday morning. I paid .65 for the whole route. I calculated by the 5 cents a week commission from each customer that I’d have the money back in one week. My first lesson: A one week return on your investment you say had to be illegal or fattening but it was legal. Not a bad return on my investment.
The first Sunday was a disaster. My predecessor’s books were not up to date or in order. Lesson number 2: do your homework and don’t assume the other guy knows what he’s doing. It took me about four hours to deliver the papers and to try and collect my money. When I was all done I’d made about 35 cents. Lesson number 3: in a cash business don’t count your earnings until the money is in your pocket.
My father took a dim view of me spending most of my Sunday in my paper route business and he told me to fix it or quit. Lesson number 4: If you’re responsible do what your can to fix the problem. Everyone has a boss, it’s always the customers, and sometimes it’s your father.
I straightened out the books, drew a map and then put each customer on the map in order of delivery. Some customers were several blocks out of the way and very time consuming to service so I gave them to paperboys in adjacent areas. Lesson number 5: Not all customers are equal. Some you earn money on and some cost you money.
Now I had the receivables to consider. During the week I went knocking on doors. I introduced myself and explained my problem. I told the customer I wanted them to get the big city Sunday paper as early as possible, but I didn’t want to wake them to collect. Some offered to pay by the month, in advance. Others would put their money under a bottle or rock on their front porch. And a few didn’t have a solution; for example, they lived in an apartment so there was nowhere to put the money out. Lesson number 6: Ask the customer for a solution and most times they’ll come up with a good answer to your problem.
Several customers told of the disorganization of my predecessor, where he tried to collect twice, or didn’t come by for weeks and then neither really knew the correct amount to be collected. I apologized for him and asked what I could do to make it right? Lesson number 7: Customer service issues are difficult to overcome, but by being honest with the customer many times you’ll be given a second chance.
After about four weeks I have the route running as good as it could be. I make the deliveries before 7am each Sunday and after church stopped and collected from the few that owed me money. Then another challenge cropped up.
The newspaper manger announced a contest on who could get the most new subscriptions. After some thought, I went back to my customers and asked for referrals. I offered to give them a free Sunday paper if they gave me a referral that signed up. A number of new customers were outside my area but I increased my subscriptions by 25% and came in third in the contest. Lesson number 8: Know the value and cost of acquiring each new customer. For each free paper I gave out, I got the money back in five weeks, again an exceptional return on my marketing costs.
So here they are: eight career business lessons; (1) Know your return on investment; (2) Don’t assume: do your homework; (3) In a cash business don’t count your earnings until the cash is in the till; (4) If you’re responsible do what you can to fix the problem; (5) Not all customers are equal-some cost and some pay; (6) Ask the customer for a solution; (7) Customer service issues can be overcome with honesty; and (8) Know the value and cost of acquiring each new customer. Overall a good set of guidelines for any career or business.
I’m sure if you think about it you have some life lessons that you learned early on. Maybe it was a job that was horrible and you learned early you didn’t want to get into that career or line of work. Or maybe it was a good boss where you learned how to lead or a bad boss where you learned what not to do.
Overall the secret is to take something positive away from each of our life lessons and you’re never too early to start. So as you grow in your career you can stand on your previous experiences and reach higher and higher goals.