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Candice Clem

There are many reasons that someone initially decides that it’s time to begin a small business or purchase a franchise. It can be very financially freeing to have additional income on the side, for some the desire to work at home and escape a commute or a cubicle is the driving force behind the decision to begin something new. Whether it’s a way to invest funds into a safe and profitable sector, or simply a passion for a service or product that the new business opportunity will provide one of the most important things in preparing to start a new franchise business is understanding what options are available and which options have the largest potential for success. There are many different kinds of small business opportunities and franchises for sale, but those options can be narrowed down considerably by asking two critical questions that help determine what type of small business opportunity is the right fit.

#1 What is the financial commitment to the franchise, liquid capital, total investment, and overhead cost?

Knowing what costs a small business is going to encounter is the biggest part of researching a franchise opportunity and the most important thing to figure out before any decisions are actually made about beginning a franchise business. Most providers, contractors, employees are going to need payment immediately or in advance for their services, while income from a new franchise or small business can be slow and in most cases will take at least 30-90 days to see any cash flow actually come out of a new business. With this in mind, the total amount of liquid capital available to a new franchise owner must be calculated carefully and understood so that the level of investment and commitment matches the financial requirements to make the franchise a success. For example if a franchise owner has a total liquid capital to invest in a new franchise business of $50,000, there needs to be a careful examination of what the costs will be of purchasing a “low-cost” franchise.

A Liberty Weight Loss franchise may appeal to the investor and advertises that their franchise requires a liquid capital of $46,000-$100,000. And while it’s true that the franchise can be run starting as low as $46,509, an investor with only $50,000 to spend on their investment will encounter extreme stress and an inability to purchase and provide marketing, promotional materials, discounts, and even basic equipment needed to make running their own franchise comfortable and successful. It’s much wiser to not shoot for the limit, but rather to find a franchise that is closer to the low to mid range of liquid capital available and use the additional finances available to insure success and satisfaction to all those involved in the initial phases of beginning a franchise. Something such as CompuChild which is a franchise that teaches basic computer skills and typing in a classroom format to children requires a liquid capital of $20,000, which leaves the investor with plenty of extra capital to use to pay contractors, suppliers, and market their business without needing to see revenue first in order to promote and maintain the new business.

#2 What is the skill set, type of franchise, service, or product that the franchise owner is capable to provide and competent to lead?

The second most critical thing that needs to be answered about a franchise is what type of franchise will it be. Because a DVDNow kiosk franchise fits the right price; range for an investor does not necessarily mean that DVDNow franchises are the perfect fit. There may not be a passion for the video rental business, there may not be a desire to service machines, or a desire to be in a relational business might not be met in a kiosk service style franchise business. It’s important to know that within every price range for investors there are multiple franchise opportunities and the most successful franchises are those that are run by businessmen and women who understand the product or service that they are providing and are passionate about that franchise. Even with a more specific desire for a franchise like being able to work at home, there are many franchise that are home based businesses. Working from home doesn’t mean the franchise is limited to internet based tech services, though there are many of those available. It can also be businesses such as Stay at Home, which is a business that is operated from a home and provides in home care and services for customers that are elderly or homebound. There are tutoring centers like Mathnasium, and community building franchises like Virtuoso music, which teaches music lessons in homes and coordinates community events, concerts, and recitals. All of these franchise opportunities are home based, and each one fills a different niche and requires different skills and passions to operate.

Knowing what the cost will be of a franchise, and not just the advertised cost but the actually day to day operating costs will help narrow the choice to businesses that are affordable and likely to succeed within the financial limits of the investor. And combining that knowledge with the knowledge of what type of service or product the franchise owner is capable to deliver can help focus the choices even more to the type of franchise opportunity that will have greater and greater chances of being a successful business. Being able to work from home and run that small business well can provide all of the things that franchise owner’s dream of when deciding to start their own businesses. The chances of achieving that greatly increase when time and care is put into researching the franchise beforehand with the same passion and care that will eventually go into running that successful business.

Learn more about small business opportunities and browse other franchises at Small Business Sale.

NEW YORK - United States stocks fell on Monday on worry that Bank of America Corp may walk away from purchasing troubled lender Countrywide Financial Corp , while record oil prices above $120 a barrel increased worry about consumer spending.

NEW YORK - Yahoo Inc’s shares tumbled on Monday as investors punished the company for rejecting Microsoft Corp’s $47.5 billion bid, though the fall was cushioned by hopes a deal may still be possible.

Jim Donovan

If I were to ask who wants more money, most people would say “I do!” Let’s face it, in our world today, money plays a major role. Beyond survival and basic necessities it can give us pleasurable experiences, enable us to do things for our family, friends and community, and provide us with the freedom to live on our own terms.

One of the best ways to increase your income, whether you own your own business or work for a company, is to find ways to increase and, ultimately, leverage your value. People are paid varying sums of money based on the value they provide. So if you can find ways to leverage whatever value you are providing, or increase your value to society, your customer or your company, you will automatically increase your income.

One of the best examples of this I’ve ever seen is Tony Robins. When he first started much of his work was based on Neuro Linguistic Programming (NLP).

While there are thousands of practitioners using NLP working with clients, Tony took it to another level. He used and taught these techniques to rooms filled with people. One of his seminars that I attend years ago had 3,000 people in attendance.

At that time a solo practitioner would see people for about $100 per hour. Assuming they saw four people per day, they would gross $400 per day. While a pretty good business model, it paled by comparison to what Tony did with essentially the same training.

The event I attended had 3,000 people who each paid $200 for the day. That’s $600,000 gross plus product sales. Clearly Mr. Robins understood the value of leverage.

If a chef were to sit and explain a recipe to one person, he or she may be able to collect $100 for an hour of consulting. However, if the same chef put the information into a book, CD or DVD or some other “package” they would be leveraging their time and value and would produce exponential returns.

I charge aspiring authors and publishers $150 an hour consulting. A few years ago I packaged much of the information a beginner needs to know into an audio seminar, “Successful Self-publishing,” with an accompany Ebook which I make available for only $27. The author saves $123 while receiving the information that they need.

The really cool thing is, I am able to help more people and, because I can now sell it over and over again, the potential return to me is practically unlimited.

What about you? What are some ways that you can leverage your value?

Could you, for example, add group coaching to your solo coaching practice? Why don’t you offer additional products to your existing customers? McDonald’s mastered this principal with their, now famous, “Would you like fries with that?” question.

If your working in a job, what could you do to add more value to your company?

I love the Jim Rohn story about the time he said to his mentor, “That’s all my company pays.” His mentor replied, “No, that’s all they pay you!”

Companies, regardless of size, pay employees based on the value that they bring to the business. This is one reason salespeople and rainmakers (people who can leverage high level connections) are generally very well paid.

Many “Intrapreneurs” - people who work inside a company but create added value, have earned well in excess of their salary by either saving the company money or creating additional income for it.

A good example of this is the “post-it,” invented by someone within the 3M organization who received a small override on the sales.

Where could you save money for your company or add to the bottom line? How might you present this in a way that will enable you to share in the income generated from your idea?

My friend, Wayne, spent his first career working at a local community college. Not satisfied with just doing his job, he developed a program for an under-served segment of the population. Being an entrepreneur at heart, he presented it in such a way as to share in the increased revenue to the college. His program became the largest income generator for the school and enabled Wayne to earn well above his base salary.

How might you model a similar idea in your company?

Jim Donovan, is the author of several critically acclaimed self-help books, including “This is Your Life, Not a Dress Rehearsal,” published in 22 countries and a highly sought after motivational speaker. His new book, “Stop Living Paycheck to Paycheck” was written to help working people develop additional streams of income. To learn more and receive a free gift, visit www.JimDonovan.com

Guido Nussbaum

Joint ventures are a very old way of forming partnerships between individuals with common business interests in order to benefit all persons that are involved. This type of business proposal has been going on for centuries and as long as there are businesses that want to increase their profit in some way, joint ventures will continue to be a way in which they do so. This type of business proposal is also very popular on the Internet and is a quick way for you to launch a business or to breathe additional life into your existing business. Before you enter into a JV deal, however, there are several things that you need to know.

The first thing that you should understand is that if you are coming to the JV table without anything to offer then your proposal will more than likely be shot down rather quickly. A joint venture is a symbiotic relationship between two individuals or businesses. Each person must walk away with some kind of benefit in order for the relationship to work as it should. Even if you are a small business that is trying to work out one of these partnerships with the larger business, if you have something to offer that will benefit them, you have the opportunity of having the joint venture work.

For this reason, it is very important for you to outline exactly what you want out of the joint venture and what you expect to bring to the joint venture for the other people involved. The most important thing, however, for you to point out is exactly what you are bringing to the table. Don’t get so wrapped up in the details of what you expect to receive that it makes it difficult for them to see the benefits to themselves. This is a sure way for you to miss out on a partnership that may have benefited you in ways that you can’t possibly imagine.

The second thing that you are going to need to do is make sure that you are picking joint venture partners that are actually working in the same niche as your business. If you have a dog training business then you would want a joint venture partner that has something to do with the pet industry, not one that is trying to sell used cars. Some JVs simply will not work because they are formed between two businesses without mutual interests.

The final thing that you need to do whenever you are attempting to form a joint venture partnership is to use effective sales copy in order to land the sale. Of course, you don’t want to overdo the sales pitch but it certainly doesn’t hurt to use some copywriting skills in order to outline the benefits to their company and to draw their attention to what you can do for them. If you are successful in putting together a joint venture partnership proposal, one that really captures their attention, you would be surprised at where it can take your business.

If you like to discover many more proven to work marketing strategies, then head over to the Profit Work From Home website. We show new internet marketers how to successfully work from home

Uchenna Ani-Okoye

Every day we are literally bombarded with credit card offers, telling us that there particular offer is the best. It can prove to be rather annoying when most of us are totally aware of the fact that many of these so called cheap credit cards are nothing but cheap scams and aren’t worth the time considering. The best way to find a good credit card is to compile a list of all the best offers out there and choose from these, the best of the best, or so they say.

Before you’re able to determine which credit card is best for you, you must first identify which credit card offer you’re looking for. So make a list of your requirements, and then you can begin to compile information on various different credit card vendors. The best place to source this information is online. This can be done simply by searching for ‘Credit card offers reviews’ which will give you other people’s opinions about the actual offers available. Another even simpler method is to check out the offers from recommended reputable credit card companies.

Once you’ve made a compilation of offers, it is now time for you to go through them, comparing them to your written requirements. If you haven’t included interest rates and credit card fees in your requirement list, you should add these to your comparison criterion. You should know that many credit cards come attached with so called ‘hidden charges’ or charges in ‘small print’. An example of such a charge would be a one-time enrolment fee for new cardholders. As a result, you should read the terms in there entirety, along with the ‘small print’ part.

Numerous credit card companies out there are also charging a monthly and/or yearly cardholder fee. We also have transaction fees, which is a fee you may have to pay each time you use the credit card. These fees tend to vary from company to company when compared, it is very important that you take all costs into account so that you can find the deal with the lowest total cost.

There are however, some credit cards without fees. These are essentially the best credit cards. Although they are hard to find, you can stumble upon some, but you will need to read the application text very carefully. You can also take it upon yourself to ask questions to the credit card company you investigate about all the different kinds of fees that they have before you make the decision of which credit card you want to go with. Getting a cheap credit card is all about doing good preparatory legwork.

Interest rates are also an important fact for the total costs of the credit card and thus should be studied and compared with care. You should seek out the cards with the lowest possible rate, all other factors equal. I have seen credit card companies that charge as much as 20% interest rates, that is simply too much. The best cards have interest rates lower than 15%. You should keep an eye on the long term interest rate, rather than the introductory offer like lower or no interest rates for the first few months.

Some of the best credit card companies will charge you low interest or no interest on purchases paid off in less than a set amount of days, in most cases its 30 days. A lot of people out there are more concerned with the spending limit rather than the amount it cost to have the card. For those with limited funds, the best credit card is the one with the lowest total cost. If you are among them look for the hidden fees and interest rates, these determine the overall cost of your credit card.

Uchenna Ani-Okoye is an internet marketing advisor and co founder of Free Affiliate Programs For more information and resource links on cheap credit cards visit: Cheap Credit Cards

NEW YORK - The United States service sector grew in April for the first time in four months, according to a report on Monday that was overshadowed by a dour Federal Reserve survey showing the banking sector remained in the grips of a credit crunch.

WASHINGTON - Banks in the United States kept tightening lending standards and terms for both business and consumer loans over the past three months out of concern about a weakening economic outlook, according to a Federal Reserve survey issued on Monday.