How do you find out who is a good estate planning like estate planning and trusts surprise az in your local area? Choosing an attorney to represent you is obviously an important task. The decision certainly should not be made on the basis of advertising alone. There are certain questions to ask that will lead you to the best estate planning attorney for you and your family. Below is a summary of 11 Tips for Choosing the Right Estate Planning Attorney for You.
11. Clear Disclosure of Fee Ranges Prior to Your Appointment
1. Clear Disclosure of Fee Ranges Prior to Your Appointment
Many estate planning attorneys won’t disclose their fee ranges to you prior to your appointment. This may make you uncomfortable. While it is impossible to quote you an exact fee ahead of time without knowing the particulars of your case, they should be willing to give you an estimated fee range. At the other end of the spectrum, be careful of an attorney that quotes a fixed fee without talking to you about your case. They probably charge everyone the same fee because they give everyone the same plan or a form out of their drawer which may not meet
Cash and checks are continually becoming less and less common with your customers, and payments in the form of online, credit and debit cards are only growing in popularity. A merchant account can help you open these opportunities and add value to your company in a number of ways. Take a look below for some benefits of a merchant account.
1. Accept Credit Cards
One of the greatest benefits a merchant account can bring is the ability to accept credit and debit cards. As mentioned above, it’s now becoming the ‘norm’ that your customers are using the plastic in their wallets over cash and check, and it’s important that you provide that option to them.
2. Increase Sales
A study done by Drazen Prelec and Duncan Simester of the Sloan School of Management at MIT found that customers spend more when given the option to use credit cards over cash. In fact, their research shows that customers can spend up to 100% more! This increase could directly impact sales and overall growth of your business.
3. Better Money Management
Accepting credit cards and moving to online payments can streamline the way your business
Types of Financing
There are two types of financing: equity financing and debt financing. When looking for money, you must consider your company’s debt-to-equity ratio. This ratio is the relation between dollars you have borrowed and dollars you have invested in your business. The more money owners have invested in their business, the easier it is to obtain financing.
If your firm has a high ratio of equity to debt, you should probably seek debt financing. However, if your company has a high proportion of debt to equity, experts advise that you should increase your ownership capital (equity investment) for additional funds. This will prevent you from being over-leveraged to the point of jeopardizing your company’s survival.
Equity financing (or equity capital) is money raised by a company in exchange for a share of ownership in the business. Ownership accounts for owning shares of stock outright or having the right to convert other financial instruments into stock. Equity financing allows a business to obtain funds without incurring debt, or without having to repay a specific amount of money at a particular time.
Most small or growth-stage businesses use limited equity financing. Equity often comes from
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When you’re shopping for a real estate agent, you obviously want the best. But with agents presenting themselves through yard signs, online ads, direct-mail postcards and even sponsored public benches, how do you cut through the hype?
With real estate agents, “we don’t have the information that we have about other service professionals,” says Stephen Brobeck, executive director of the Consumer Federation of America, in Washington, D.C. Still, there are methods for sizing up an agent’s record — and potential.
Whether you’re a buyer or seller, here are 7 ways you can find out more about an agent before you hire.
Learn more about your agent before hiring
- Talk with recent clients.
- Look up the licensing.
- Pick a winner.
- Select an agent with the right credentials.
- Research how long the agent has been in business.
- Look at their current listings.
- Ask about other houses for sale nearby.
1. Talk with recent clients
Ask agents to provide a list of what they’ve listed and sold in the past year, with contact information, says Ron Phipps, past president of the National Association of Realtors, or NAR. Before you start reaching out to people the agent
Here’s some background to help demystify the process. Your credit score utilizes historical data from your credit report to predict your future risk of default. The information on your credit report is usually an accurate reflection of your financial life. And finally, your financial life is a subset of the rest of your life. So if you’re having hard times, more than likely it will show up in your financial life, credit report and then credit score.
Before applying for a new credit card, check your credit for free at myBankrate.
You have a low score, so I’m going to guess you have some charged-off, unpaid or seriously delinquent accounts on your credit report. The damage to your credit score has already happened. What you can do initially is make sure the negatives reported on your credit file are accurate and not out of date. Look over your credit reports, and dispute any negative items that you don’t think are yours or are more than 7 years old. Once you have ensured your history is accurate, you can work on adding new, positive data.
A smart next step is to pay any outstanding past-due
As someone who has been called a serial entrepreneur, I’ve had more than my fair share of experience starting new enterprises, turning around underperforming enterprises or re-vamping operations.
During that time, I’ve learned a thing or two about some critical factors you absolutely need to know before you jump into the proverbial entrepreneurial waters.
In the majority of cases, start-up success or failure is all about knowing the both the how and the why of taking action, and always being clear about which steps to take next.
To help this process, here are 10 essential things you need to know about running a successful business. Use it as a checklist to make sure your thinking and your business plan are on the right track, or if you need to get more information, strategic education or clarity for yourself on your overall vision, your market, or your product or service.
- Offer what people want to buy, not just what you want to sell. Too often, people jump into a business built around a product or service they think will be successful, rather than one that is already proven to have a market.
What do I
If you are looking for a small business idea to kickstart your path to entrepreneurship, you are in the right place. This list of 101 small business ideas includes everything from personal services, to retail opportunities, to environmental services, to pet-related ideas, to technology businesses. Use this list to identify the business idea that is perfect for your situation.
Air Duct Cleaner
Antique Furniture Sales
Appliance Repair Technician
Cloth Diaper Service
Computer Repair and Maintenance
Customer Service Professional
Data Entry Service
Direct Mail Marketing Service
Disaster Planning and Prevention Service
Dog Treat Baker
Dog Waste Remover (Pooper Scooper)
Hair Salon Owner
Home-Based Child Care Provider
Home Theater Designer
Home Weatherization Professional
Ice Cream Shop Business
Ink and Toner Cartridge Refilling
You’ll see similar claims over and over. But can credit repair companies be trusted?
Consumer credit counselors at Clearpoint advise consumers to not believe these claims as they’re very likely signs of a scam. In reality, there’s no quick fix for creditworthiness. You can improve your credit report legitimately, but it takes knowledge, time and effort to stick with a personal debt repayment plan. See how to improve your credit on your own.
[Related: learn about debt settlement and bill consolidation and why these aren’t good options either for improving your credit score]
Credit Repair Companies and Scams
Credit repair companies can’t deliver an improved credit report using the misleading tactics they promote. No one can remove accurate negative information from your credit report. So after you pay one of these companies hundreds or thousands of dollars, you’re left with the same credit report but out your fees.
According to the FTC, here’s how to evaluate the trustworthiness of credit repair companies. Be cautious if:
- The company wants you to pay for credit repair services before they provide any services. Under the Credit Repair Organizations Act, credit repair companies cannot require
Being an entrepreneur means that you’ll often blaze your own trail: No career guides, counselors or maps will guide you from one step to the next: You’ll have to make it up as you go. I’ve been an entrepreneur my whole adult life and it’s the only career I’ve ever known. In a way, that makes me lucky: I’ve become not only comfortable with, but actually good at, forging ahead into unchartered territory.
Related: Seek Your Strategy for 2015 on a Vision Quest
However, like everyone else, I’ve faced moments of doubt and uncertainty and plenty of sleepless nights. As I look back at the steps that led me from my first sale — standing next to my grandfather Joe at a folk festival when I was just a young kid — to my assorted entrepreneurial ventures today, some common themes emerge.
1. Keep the big vision in sight.
A big vision will take you far. I put this tip first because when things go wrong on the path to your success, and they will, keeping the big vision in mind will enable you to steer your way back to a successful course. It may not always be the course you
Sometimes what helps us to be successful in our professional lives is not such a great idea in our personal lives — competition is a quality that comes to mind. At the same time, we all have a limited amount of time each day to do the things that we want to do.
So for the sake of saving time and energy, I’m sharing a list of tips that will help you be successful in both life and in business.
1. Add Value
No matter what you do and where you go, you can’t go wrong with adding value. Simply put value is anything that people are willing to pay for. In your professional life, the more value you can offer the more money you can make. In your personal life, more value translates to closer relationships and strong personal growth. The best way to add value is to find the intersection between what people are willing to pay for and what service or product you can offer that is aligned with your values, strengths and goals.
How are you adding value to your employers and loved ones today? What can you do
To succeed in business today, you need to be flexible and have good planning and organizational skills. Many people start a business thinking that they’ll turn on their computers or open their doors and start making money – only to find that making money in a business is much more difficult than they thought. You can avoid this in your business ventures by taking your time and planning out all the necessary steps you need to reach to achieve success. Read on to find out how.
1. Get Organized
To be successful in business you need to be organized. Organization will help you complete tasks and stay on top of things to be done. A good way to do this is to create a to-do list each day – as you complete each item, check it off your list. This will ensure that you’re not forgetting anything and you’re completing all the tasks that are essential to the survival of your business.
2. Keep Detailed Records
All successful businesses keep detailed records. By keeping detailed records, you’ll know where the business stands financially and what potential challenges you could be facing. Just knowing this gives you
Tough economic times can inspire a lot of creativity when it comes to new business ideas. For example, though a recession was in full-swing, 2010 saw the highest rate of entrepreneurial activity in decades, according to the Kaufman Foundation.
But it seems counter-intuitive. After all, starting a new business is incredibly risky. According to the Small Business Administration (SBA), over 50% of small businesses fail within the first five years, and of those that make it, another 50% fail in the next few years.
Those aren’t good odds for anyone. But when times are bad, sometimes things can’t get much worse – especially for people who’ve lost their jobs and perhaps even their homes. So the prospect of starting a new business just isn’t as risky as it might otherwise be. Moreover, for many people, creating their own job becomes their only option.
Though, there are plenty of jobs that are considered “recession proof,” such as plumbers, morticians, accountants, and grocers, there are also plenty of weird and wacky new business ventures that have thrived in a down economy. These businesses might make your eyes widen with disbelief. I know mine sure did when I
Small business ideas abound around us. Perhaps you are in a different region. You may be looking for small business ideas in UK, Philippines or Nigeria. We have researched various small business ideas you can start with low investment. Before you continue reading this article, let me give you a hint that it is going to be a long list of small business ideas. However, for you to make most of it, you should not just rush the article by scrolling from the top to the bottom. Even if you are looking for a specific business idea, you may stumble on other good business ideas that may catch your interest. Perhaps a particular business idea does not appeal to you, that does not mean you should not read it. Who knows whether by reading it, something may spark up in you that will lead to the birth of your own new business idea. When looking for business ideas, you need to keep your mind open. Otherwise, certain opportunities may just be passing you by. Therefore, you should be willing to read to digest and not just to have a glance at the list of the business ideas. Or else, it will be
So, you have the entrepreneurial spirit but not a lot of tech know-how? Despite all of the high-tech startups that have popped up in recent years, there are still plenty of small business options out there that don’t require you to know the difference between CSS and QR codes. Below are low tech business ideas you can start this year.
Low Tech Business Ideas
All you need to start your own cleaning business is a stockpile of cleaning supplies and access to clients, which you can gain through word of mouth, flyers or classified ads if you don’t want to set up your own website.
Flea Market Vending
Flea markets are filled with a huge variety of different vendors. You can sell basically anything from vintage housewares to jewelry that you made yourself.
Running a child care service out of your home just requires you to have some experience working with kids and a safe home environment to care for them throughout the day.
You can start a business providing lawn care services to people in your area. You just need a