Owning A Courier Franchise A Tough, But Rewarding Opportunity

Many people would think that owning a courier franchise is a simple, easy way to make money. Unfortunately, it’s not quite that simple. It’s not simply a case of collecting, shipping and delivering a bunch of parcels. If you were the only employee, driving the only vehicle, and your route was only running between two or three small towns – maybe. Different vehicles, different drivers, different locations, and franchise standards makes for a very lucrative, but challenging opportunity
A courier franchise is a very profitable business opportunity. Buying into a solid, proven company, means that you access their market leverage. The group has a track record. The group is known for its services. The group covers a wide area, offering more possibilities to the customer. The group has been branded thoroughly over the years, saving you from having to do so. Being part of a group allows you to share in business generated by other branches, setting you up for a flying start.
You have to keep in mind that the group as a whole has established a standard you will have to adhere to. You will be expected, by both the group and the public, to perform in accordance to the existing track record. Remember that high standards in service delivery is part of the group’s marketing campaign, and a fortune is spent putting that message across. The perception was created to give them an edge in the market, but you as a franchise owner have to deliver on that promise in order to retain market leverage.
As the draw card for customer acquisition is service excellence, you will have to deliver on that promise, regardless of what could go wrong. The client pays to have a task executed, and you have to resolve any situations that may arise along the way. You have to be prepared to deal with vehicle breakdowns, delays in flight schedules, people getting sick, and drivers getting stuck in traffic.
The one advantage of being in such a demanding industry, is the high profitability. The fact that so many factors contribute to management stress, means that many people pass up on this opportunity, making it even more lucrative for those getting into it. The popularity of your courier franchise service is likely to grow, as more and more people opt for the time saving convenience it offers.
The ever increasing pace of business is bound to result in even more growth for the courier industry. And as a courier franchise service, you have to “outrun” the corporate world, and deliver documents before the next meeting. Businesses have come to depend on, and became accustomed to, the quick and timely delivery service. The expectations are high, but so are the rewards. Is it for you?

Retirement Planning for Small Business 3 options

Wondering if your business is too small for a group retirement plan?

One of the keys to attracting and retaining top employees is to offer a high-quality retirement plan. A group savings plan conveniently helps employees save money for the future while reducing and deferring taxes today. Plus, the investment you make in a group retirement plan is an investment you make in your organization, your employees and your reputation. Everyone’s a winner.

Three options stand-out depending on what you want to accomplish with your plan and how much flexibility you need. These are: 401(k) plans, SEP IRAs and SIMPLE IRAs.

The 401(k) Offers the Most Flexibility and High Contribution Limits The traditional 401(k) is probably the most widely known retirement product on the market. It’s the fully loaded, high performance SUV of retirement plans. It’s generally defined as one that enables a business owner and employees to make consistent, tax-deferred contributions during the length of their careers.

SEP IRAs are Pretty Easy to Start and 100% Funded by the Employer Simplified Employee Pensions, more commonly referred to as SEPs, are also a popular retirement plan choice as they offer a contribution limit that’s similar to a 401(k). It doesn’t have all the bells and whistles of a 401(k) plan, but it’s got a good engine under the hood. One of the most important things to understand about SEPs is that 100 percent of the contributions made are by the employer (no employee contributions allowed) and these dollars are immediately vested for the employee.

The SIMPLE IRA is a Solid, Affordable Third Option

The SIMPLE IRA’s name is a bit misleading (it actually stands for Savings Incentive Match Plan for Employees). While both employer and employee can contribute to the plan, the employer must match and matching is vested immediately.

If you do decide that you want to offer a retirement plan, you are definitely going to need some professional advice and guidance. Pension rules are complex, and the tax aspects of retirement plans can also be confusing.

As a financial planning and wealth management professional firm, Mintco Financial has been helping its clients effectively plan for comfortable retirements.

Michael Minter, as a managing partner of Mintco Financial, is a trusted investment management professional who carries more than 16 years of experience in this challenging career field.

Throughout his professional history, Michael Minter has gained strong insight into what skills and knowledge is necessary to perform investment management, wealth building services, small business development and retirement plans.

Michael MInter is also author of the book I-Plan, a guide for your financial security.

Call Michael Minter at 813-964-7100 at Mintco Financial.

Retirement Planning for Small Business

An Exchange Server Alternative For Small Business

For the business user, the main advantages to working in a company that has an exchange server are:

1. File sharing
2. Access to email from any configured computer
3. Contacts access
4. calendar syncrhonized and shared between all employees

Essentially it means the office worker can use any configured computer to access his or her files, emails and calendar. The company will often configure a laptop and provide remote access so the member of staff can also work from home or while travelling and still have complete access.

The problem with this kind of product when it comes to a small or mid sized company, is that it requires someone to manage it and there is a huge cost, in terms of both initial cost and ongoing expenses.

So if you manage a small business and you want your employees to have a high level of flexibility i.e. to be able to telework or while travelling, or even to hotdesk at the office, you will need an exchange substitute.

There are two alternatives which will offer you many of the features of Exchange without the expenditure.

The first is a hosted exchange server. The second is the Easy-Email synchronization solution plus file synchronization software.

A Hosted Exchange server is a great solution. You get almost all the advantages but you are spared the resource cost and management time. You simply pay according to the number of users. This allows for quick expansion so as the business grows you just increase a user.

Easy-Email is a fabulous alternative for small firms.
Its an email sync answer set out in the form of a series of guides that you, or an IT professional you hire, can follow. It will sync a users mail and contacts on their desktop, laptop, home computer, pda or netbook. In addition it will allow them to manage their email from any other computer via Gmail.

The Easy-Email solution is incredibly good value compared to any other alternative solutions It’s just $67 US for the Advanced Guide to Outlook and you can get all of your staff set up for this fee!
The disadvantage in comparison with exchange is that there is at present no shared calendar so you will need to use a google calendar or similar.

And in terms of shared files and folders its really simple. Set up Dropbox. Dropbox provides you with a system of shared folders that are all automatically sync’d via the internet but they are also stored on the computer so you dont have to be online to access the files. You can select which people have access to which folders and the first 2GB of storage space is free (and it’s very reasonable after that).

Insurance Policy – Nomination And Assignment

Once you apply for a life insurance policy there are some important features and benefits you should apply for. Like the most important benefit is the nomination facility. It is an important and mandatory feature of the policy. There is another feature called Assignment offered in the policy. Let us look at the importance between the two features.

Nomination is a benefit where in case of death of the policy holder the funds are given to beneficiary (nominee), whose name is mentioned by the policyholder while enrolling for the policy. The policyholder has the option to change the nominee at any time during the term of the policy. If you want the proceeds to be given to the nominee make sure the name and details are mentioned correctly. The details of the nominee required are his name, age, address and his relationship with the policyholder

Assignment, is when the policyholder wants to give another person the rights of the policy , this is done through a deed and the insurer need to be given a notice for the same. The policyholder is called the assignee and the person who he appoints is called the assignor. Here the assignee has the complete power and title of the policy. He can make decisions like surrendering the policy or even reassign the policy. This assignment must be known to the insurer through a notice and should be in writing.

As life insurance policies are long-term contracts and their benefits are more complicated as they depend on the occurrence of pre-defined insured events. Nomination is a choice which the policyholder has to allow the proceeds of the policy to be given to the nominee incase of his death.

The nominee can be changed by the policyholder during the term of the policy. For women, they may keep changing their nominees according to the various phases in their lives. Like, when they are single their parents would be the nominee, when married the name can be changed to their husbands and there after to their children. You can hence change your nominee any time during the period of the policy. The nominee may not necessarily be related to the policyholder. If the policyholder wants to change the nomination he just needs to fill a form given by the insurer and give the details of the new nominee.

A policyholder has a choice to appoint as many nominees as he wishes and mention their shares for the proceeds accordingly. Remember always to make sure you appoint a nominee while applying for the policy. This feature will help your loved in an unforeseen event of death of the policyholder.

Can Spirit Play A Role In Financial Success

At quick glance, whether or not a person experiences financial success in life may seem arbitrary. Some people seemed to have earned it through hard work, while others were handed money on a silver platter. Still others engage in unscrupulous tactics to achieve it and many of them ultimately pay the price. While we struggle to support ourselves, we wonder why we were not selected to experience financial riches.

The truth is, our life is what we make it. We can climb the corporate ladder while working for someone else or we can create our own destiny in a different way, by becoming entrepreneurs. Either one may offer intrinsic and financial reward, depending on who we are. Some people are not content to be restricted by a corporate structure and choose to embark on their own ventures. Though this is often an admirable move, success is not guaranteed.

Starting a small business is expensive and most entrepreneurs spend some sleepless nights wondering how they will pay the bills. Along the way, these individuals rely strongly on their core beliefs, one of which is often a strong sense of faith. Even those who started with little spiritual values may come to believe in a higher being who guides them down the right path. They place their trust in something outside of themselves, hoping it will make their career more rewarding.

Some people have seen what faith can do first-hand and they share their experience with others. By providing the lessons they learned and explaining the life-altering change they made, they hope to help other people transform their own lives. Many of them believe that being blessed with the success they have requires that they share the method of realizing it with the public.

This sharing, they believe, is their calling and duty, the price they must pay for their riches. In reality, it is not a sacrifice because every time they show others how to be more successful, they feel an internal satisfaction. What better thing can a person do than help someone else realize a dream? Even the most stubborn audience can take away valuable lessons from this conversation.

Whatever our faith is at this point may undergo a radical transformation when we find ourselves on the receiving end of such a powerful message. As we embark on our own journey to put ourselves in the financially secure category, we may remember this information and incorporate it into our lives. When we achieve financial security, it will be our turn to share the valuable lesson with others.

Easily Build a Small Business Website with WordPress

WordPress is one of the most essential and highly flexible content management system. It serves as one of the founder for a blog or for fully fledged small business website especially for the online marketing or ecommerce. Now it has become easy to add new pages and post to your blog with WordPress built site. It does not require any HTML, CSS or any other mind numbing acronyms.

It’s quite easy to customize the look of your website in order to make it unique. Hundreds of Plugins can be added in order to add new capabilities thereafter your site will become search-friendly. By adding All in One SEO Pack you can easily optimize each and every page/post in order to boost website in search engine ranking. So in order to build a site like this for small business website you will have to download WordPress from WordPress.org. Here the software is free this is due to its open source feature. Adding to its better features you can also avail themes and plugins in free. Here the only thing you would have to do is to pay for the web hosting that would be as low as $6 per month. Or on the other hand you can also host WordPress site on your own server.

Thereafter you will need web hosting service that supports PHP version 5.2.4 or greater along with MySQL version 5.0 or greater. In this situation Apache or Nginx is most recommended. It is most robust and full of features for running the WordPress inorder to create free wordpress site. After this work will be done without any problem. In the directory Web hosts is listed here you would have to select Bluehost, in this the service is featured in a very prominent manner, it provides unlimited disk storage, monthly data transfer and email address.

Bluehost hosting account has become quite easy with Bluehost installing WordPress. One would only have to install it by using Bluehost’s Web-based control panel and then follow the steps 2 through 6 to create wordpress site free.

Small Business Computer Consulting Appropriately Setting Your Rates

In small business computer consulting, $100 an hour can be a reasonable and livable rate. Why can setting your rates at $100 an hour make all the difference in the world?

Take the $100 an hour and multiply it by 1,500 hours a year. This is reflecting a 75% utilization rate; or 75% of a typical forty hour work week as billable time. Now youre at $150,000 a year gross.

Salary and Affordability

As a small business computer consulting firm, you will want to take a third of the gross and plow it into sales and marketing. Therefore you can afford a $40,000 base salary for your sales account executive. So, of that one third of your gross small business computer consulting income, $40,000 can go to the base salary and $10,000 can go to related marketing expenses.

Additionally, one third will take care of taxes, insurance and overhead items for the most part, and you have a third of it or $50,000 left to pay a technical staff salary.

Surpassing $100 an Hour

You may be considering exceeding a rate of $100 an hour for your small business computer consulting firm. At that point, you can hit what we call the not-so-imaginary-hourly-billing-rate ceiling.

Needless to say, if your small business computer consulting clients are paying $110 to $125 an hour, it gets even easier to be able to afford really bright, motivated, highly qualified sales and technical staff.

Higher Rates Equal Bigger Businesses

However, if you want to charge above $100 an hour in your small business computer consulting firm, youll almost always need to move above and beyond sweet spot small business clients into really large small businesses, medium size businesses and enterprise-sized accounts that require a different business model and technical skill set.

Once you do that, youre going to be operating under a completely different type of business model. And you will need even more polished and seasoned salespeople to be able to handle those accounts.

Copyright MMI-MMVI, Computer Consultants Secrets. All Worldwide Rights Reserved. {Attention Publishers: Live hyperlink in author resource box required for copyright compliance}

Getting A Look More detailed Look At The Hollard Insurance Group Taking A Look Closer Look At Th

When it comes to investing in insurance policies, it is vital that you understand the firm behind the promise. Each day thousands of people are acquiring insurance coverage, no matter whether it be life insurance, home insurance, automobile insurance, travel insurance or one of the numerous other types of insurances available on the market. You will discover that every day it seems like increasingly more insurance suppliers are popping up. A number of these insurance companies assure less expensive insurance products and easier procedures, but what do you know about their business as well as the policies? When selecting life insurance or any type of insurance for that matter it is vital that you research the firm so that you understand whom you are dealing with. Not only do is it advisable study a businesses details but you should also understand a company’s claims background. In this post we will be looking into the insurance provider, Hollard. The company Hollard are Insurance and Financial Services Providers, owned by the Hollard Group which encompasses The Hollard Insurance Company and The Hollard Life Assurance Company. The Hollard Group is independent and privately owned insurance provider that is based in South Africa with its head office in Johannesburg. It had been incorporated in the year 1980 by the Enthoven family members particularly Robert Enthoven. The family members owns a majority of the shares via The Enthoven Family Trust. The firm has been around for longer than 30 years and specializes in Term and Whole life insurance. This year (2013) at the FIA (Financial Intermediaries Association of South Africa), Hollard was honored the title of ‘Short Term Product Provider of the Year’ in both personal lines and commercial lines categories. Winning this industry award is truly an achievement to be proud of as it is given on the basis of product quality, service quality, relationship quality as well as broker satisfaction. Which financial products does Hollard offer? These are just a few of the basic insurance products which are supplied by Hollard. There are other kinds of insurance products that are available from their partners. Should you be looking for news, Follow the link to get rerouted to a very good webpage! Hollard not just concentrates on providing good financial products to its customers, but in addition gives back via Corporate Social Investments. The Hollard Foundation Trust was founded in 2006 by The Hollard Group as a way to channel both money and time into the advancement of the lives of disadvantaged children. The foundations efforts focus on health, nutrition and education for children between ages 0-9years living in Midvaal, Johannesburg. With more than 30 years in the industry, award winning financial products and a company policy that makes giving back an essential facet of the companies procedures it is not difficult to see why Hollard continues to be among the leaders in its field.

Things To Know Before Going For A Private Bank Job

If you are looking for a job in private bank, then there are a few things you should know. For instance, some people face this dilemma of whether to look for a job in public bank or in a private bank. Though both public & private banks belong to the banking sector, there is some differences in the way they work. The nature, constitution and working procedure of a private bank is quite different from those of a public bank.

Here are some key things to take note of before you go for that private bank job:

i. Campus interviews: These days, private banks are showing an inclination in conducting campus interviews and making recruitment therein. On the contrary, a public bank relies more on newspapers for the same. Private banks have learnt to shed the conventional form of hiring and have found out that recruiting through campus interviews gives them a greater amount of flexibility, convenience and ease. Plus, it is time-saving and cost effective as well. It is hard to grab a job in a private bank. Hence, its never too early to start your career. Make sure to attend your college campuses while you are still in your college.
ii. No quota system: One must admit that the quota system is one of the major drawbacks of a public sector bank. Under the quota system, both the parties are likely to suffer. Banks lose out on recruiting the best talent. And the talented potential candidates find it hard to get a placement. However, in private banks, the system of quota does not exist. They are free to choose candidates on the basis of their merit.
iii. Low vacancy: Unfortunately, private banks do not have too many openings. The vacancies are limited in number and in a country like India, where unemployment rate is quite high, there is too much competition. So, you need to make sure that you are ready for the challenge. Prepare yourself well, sit for interview with confidence, and read journals, magazines & books to increase your general knowledge.

Kfc Franchise – What You Need To Know

A KFC franchise is just part of the umbrella of the Yum Brands empire. Yum Brands is the largest restaurant franchise system in the world. KFC franchises are located in over 80 countries worldwide and have sister franchises like Pizza Hut, Taco Bell, Long John Silvers and A&W.

There are quite a few advantages of being part of the Yum Brands family however, owning a KFC franchise may not be right for you.

First and foremost, any potential franchisee must be prepared to own more than one franchise. Therefore, if you want to open a KFC, you’re also most likely going to need to open another franchise in the same location. That’s why you see so many groups of fast food stores in the same location. A good idea would be to consider owning multiple franchises on multiple sites.

Yum Brands has quite a reputation for having ambitious business owners as their franchise owners. To be considered on their “good list”, you’re going to have to own at least three KFC franchises. In fact, ambitious franchise owners will get help from Yum Brands on building up their franchises.

The upfront cost to get into a KFC franchise is why so many people do not qualify for this particular franchise. Go ahead and plan on spending 1,000,000 to 2,000,000 to start up your KFC franchise and partner brand franchise. Furthermore, your net worth has to be above 1 million and you have to have liquid assets of at least $360,000. On top of that, you must have experience in the food service industry or least your partner must have that experience.

Plan on spending at least a year going through the whole process from start to finish. If you qualify based on their requirements, you will meet with the Yum Brands leadership to see if the relationship would be a good one for both parties involved. Then there would be the work finding a site and all that other fun stuff.

Bottom line is owning a KFC franchise can be very profitable and a very solid investment even if you can qualify for the high demands of buying a KFC franchise.