Start an Online Home Business Using Your Computer – Staggering Evidence Says You Must

If you are employed you should start an online home business using a computer. If you are unemployed you should go to your computer right now and start a home business on the Internet.

If you are breathing you are a very good candidate to make money online. Think about this.

I just read that nearly 1 out of 10 Americans are unemployed. There are 5 applicants for every job opening. Businesses are hesitant to hire because of the unstable economy.

Even industries thought to have job surpluses recently are showing more people applying than there are jobs. For example 9News in Denver did a story last night that students just out of nursing school are not getting hired.

You probably already know that in many states teachers jobs have been cut as school districts try to balance their budgets. Not everyone can just print money and run up more debt like the U.S. Government.

I was talking to my son last night about building websites, getting them established online, and then selling them for a profit. He is a sophomore in college majoring in education. Everyone should be starting an online business no matter where they are in their life.

Doctors and lawyers would be smart to create additional income streams online. So should truck drivers and car salesmen.

Here is what it does not take to get stared with an online business.

1. You do not need a college degree.

2. It does not matter where you live as long as you have internet access.

3. How much start up capital do you have? It doesn’t matter because there are many free ways to make money online.

4. Are you a man or a woman? The Internet does not care.

5. Your ethnicity makes no difference either.

Think about the reversal of numbers. 9 out of 10 people are employed and they are still buying things. Many of them shop online every month.

They have to buy things somewhere. Why not from you!

Digital information products from affiliate programs like ClickBank have always sold well online. Now you see more affiliate marketers selling physical products online too.

The nice thing about affiliate marketing is you do not need a product of your own to sell. The affiliate merchant provides it. They even give you a website coded with your affiliate i.d. number so you get credited whenever a purchase is made.

Many affiliate programs pay weekly, 2 times a month, or monthly. There are even instant commission affiliate programs if you need money right now!

Think long and hard about why you should start an online home business using your computer. Doing even a little research will show you how easy it is to get started.

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Check Cashing Business in Florida

Starting a check cashing business in Florida is a process that requires several steps that must be planned before filing for the license, and risking a loss of money and time.

The check cashing business in Florida is profitable but at the same time it is a risky business which must be minimized through the adoption of special measures and procedures.

It is important to obtain proper advice from experienced and qualified professionals to avoid expenses and delays to obtain a check cashing license.

Obtaining a check cashing license in Florida, known also as an FT3 license, requires several steps:

The first step is to register with the federal government as a Money Service Business (MSB). This process is done electronically, and in order to file said registration any new applicant must set up an account with the U.S. Treasury Department’s Financial Crimes Enforcement Network, commonly known as FinCEN. The registration is done through form FinCEN 107.

Registration with FinCEN places the company under the Bank Secrecy Act (BSA) laws and regulations. Those regulations impose several requirements on the company. One of those requirements is to develop and implement an Anti-Money Laundering (AML) program which must contain policies and procedures that the company will implement as part of their check cashing operation. Some companies tend to use AML programs devised for other type of financial services such as money order sales or money transfer services. However those programs are inadequate for check cashing and they do not meet the requirement of the BSA for a check cashing operation. Another requirement is to designate a compliance officer. This person is responsable to ensure that the AML program is being thoroughly implemented. There are other BSA requirements which must be met, and therefore the compliance officer and employees of the company must be aware of said regulations.

After the FinCEN registration has been confirmed, an application with the Florida Department of Financial Services, Office of Financial Regulation (OFR) must be filed. This application contains several parts, and must be filed electronically. As with the FinCEN registration, the applicant must set up an account with the OFR’s Real System for thie purpose. It is extremely important that all information requested be provided in a complete and accurate manner to avoid delays in the process. In our experience the vast majority of delays in obtaining such a license come from errors in the original application form. Several documents must be attached to the application, among those is the anti-money laundering program which must be previously drafted. Another form that must be submitted is a fingerprint card for each of the individuals included in the application, which will be used for a background check conducted by the Federal Bureau of Investigation.

Once the license is obtained it is important to keep present that the State of Florida has multiple requirements that must be met by check cashers. Also the check casher is subject to audit examinations to verify that the company is operating with the …

Parkinson’s Law and the Peter Principle: Understanding Business and Politics Using Business Axioms

What business axiom or management principle have you discovered to help you live better, work smarter, or to understand organizations in a way that is unique, funny or provides that rare but special “ah ha” moment?

An example of a well known business axiom is the famous “Peter Principle” (1) that states: “People rise to their level of incompetence.” Explaining how incompetent people can achieve executive and high level political positions without any management or leadership skills provides some understanding to why so many businesses and governments may fail. There are many corollaries to this intriguing concept that may explain government and business poor performance. Perhaps major decisions also rise to their level of incompetence. That is, the more critical a decision, the more probable is that it will be taken away from the people with expertise and be decided either in a steering committee (to avoid any accountability) or at the C-Suite or government cabinet level where truly awful decisions are sometimes rendered out of ignorance. While this principle is meant to foster discussion about the follies of some bureaucracies, all of us can relate to those major business blunders caused by executives who thought they knew better. Remember new Coke, the Edsel and the infamous business failures at Enron, Arthur Anderson, Lehman Bros. and Bear Sterns? Government failures are even more common as evidenced by the Arab Spring uprisings and most of Europe facing serious budget deficits and even a European Union currency collapse.

Talking to a high level bureaucrat who was going to announce the immediate closure of a major call center, I replied that determining its future call distribution would be critical as this location had nearly 400 staff at work. He responded that I was incorrect and that no one was working there. Stunned by his lack of knowledge, I replied that I had just returned from a visit last week, and that we had over 400 active staff conducting business there. A bureaucrat located remotely and especially at headquarters can be very dangerous to sound decision-making!

My personal favorite business axiom is Parkinson’s Law, written by C. Northcote Parkinson (2) in 1954: “Work expands to the time available.” It is the only management principle I can remember with clarity from my four collegiate years of study in administration because I have experienced the relationship between work and time is both elastic and unpredictable. It is an irreverent but insightful view on how workload is not proportional to staffing within bureaucratic organizations. It reminds us that in our world, one must understand human behavior, embrace humor and recognize a tendency by people to make foolish decisions especially when emotions take control from basic common sense.

All students recognize the value of Parkinson’s Law. It is critical to determine how much time a task will take or it will naturally expand to two, three or more times the actual amount of time needed. As students we quickly learned this fact after laboring several days on an …

10 Things to Consider When Starting Your PDR Business

Owing to the reasons that paintless dent repair is fast and efficient it is quickly becoming popular. But there is a dearth of trained professional technicians who are skilled in the techniques that are required for this trade. If after training you want to start your own business then here are some tips to keep in mind when starting your Paintless Dent Repair (PDR) Business.

1. Survey the Market:

It is very important that you consider your potential market. Decide who you will work with? Do you have any connections at a body repair shop, wholesalers, car dealer, detail shop, service centre, etc who will hire you once you complete your paintless dent removal course?

2. Survey your Competition:

Collect information about how many paintless dent removal technicians there are in your area and how are they operating in your potential market. What are the charges for their services and what kind of a relation does your competition have with your potential market as well. Note all these things down for reference.

3. Register your Business:

Check out your state government’s website and get information about how to register your business. Make sure that you choose a business name that connects you to the paintless dent repair industry and you could even use the words like dents, dings, dent repair, etc. Complete the entire registration process or even get some professional help.

4. What are your State’s Requirements?

The rules and regulations vary from state to state and so it is important that you are completely aware of all the requirements for setting up a PDR Business. You may need business insurance, sales license, shop space, etc. You could ask a local dealer or the office manager of a PDR company what their dealers require from their vendors that is you.

5. Get Trained and buy the Tools:

You need to get trained at a very good academy so that you are well versed in the techniques and skills required in this business. You could consider the name Dents R Us for your paintless dent removing training. For more info check them out at You will also need to buy your tools for the job and you need to practice as much as possible.

6. Get Business Material:

You will need office stationery, business cards, invoices, etc and even some accounting material.

7. Don’t quit your Current Job!

It is important that you keep your current job as you will need some income to support the business and the family till you are really on your way.

8. Practice on your Acquaintances:

As you begin your business you will need as much practice as you can get and one of the best ways is to practice with the cars belonging to your connections and acquaintances. Of course not many people will hand over the keys to their BMWs, until you are sure of your skills but till then you can even ask your local body shop to give …

Business Grants For Pet Lovers

Great news for animal lovers! There are free business grants available for you to do what you love…care for animals. A great way to earn extra cash these days, while spending quality time with those four legged furry friends is to start your own pet sitting business. Millions of people who love their pets, but have work schedules that conflict with the responsibilities of pet ownership, are paying big bucks to have fellow animal lovers visit their homes to care for their pets while they work, vacation, or any other thing that leads them away from their feline, canine, or reptile family members.

This is a great situation to take advantage of, if you love animals…and money. There are very few overheads and start up costs for a pet sitting or dog walking business, and remarkably, Uncle Sam will give you free government money to cover them. Small business grants from the government are not just for traditional style businesses anymore. Thousands are receiving this type of financial assistance each day, to start home based businesses, online businesses, and pet sitting businesses too.

By filling out a simple government grant application, if you qualify, you may receive more than enough free government money to get those start up costs covered and be off to the dog park within as short as a few weeks. Your small business grant can be applied to the purchases of a business license, insurance, bonding costs, computer equipment and software for record keeping, all the other supplies it takes to run an efficient office, leashes, collars, and lots and lots of milk bones.

The greatest part about small business grants is that you do not have to repay them…ever. If you are eligible to qualify, you can rest assured that the only monthly payments involved will be issued to you, by your clients. Follow the links below to see how much free government money might be readily available to help you play with adorable puppies and kittens all day.

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Business Ethics Case Study; Unbelievable Government Credit Card Abuse

In business management classes across the country MBA students study business ethics. In fact, there are now MBA degrees available that are called Ethics MBAs. But in the real world how ethical is the business community? How ethical is our own government?

How many business travelers for their corporations charge personal items to their credit cards of their corporations? Corporations watch this very closely to make sure everyone follows the rules. Not everyone follows the rules and often there are people who go to extreme lengths to hide their misdeeds.

From a business ethics standpoint corporations and their workers are much more honest and forthright than those who work in government. In fact government credit card abuse at all levels of government is at an all-time high. It is so bad that the federal government actually had to make another law to try to curb the abuse of government credit cards. Has this new law helped?

Actually it looks as if it has on paper audits but in reality those fine folks in government still abuse their government credit cards, which is taxpayers money. The problem is so severe and the punishment so little that nothing is really being done. That is to say the problem is running rampant still.

Simply instituting controls and checks and balances on government credit cards does not alleviate the fraud. Dishonesty in government is the norm and although many people believe that those who work in government are of less IQ they are still clever enough to beat the system and steal taxpayers money.

From an MBA standpoint of fiscal management this is a good case study. A piece of corporate credit cards or government credit cards must be followed up on. It is essential to make sure that the purchase is made by government employees are indeed for a facial government business and not personal pleasure; such as gentlemen's clubs, personal car washes or a dinner for a family of four for personal use.

It appears we cannot trust those fine folks in government and it is about time that we enforced the letter of the law on to the government and the workers who think they are above it. Consider this in 2006.

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Cyber Hackers Can Mess With Google – Are You Afraid For Your Business?

If you have been reading the news lately and picking up on all the commotion around hack attacks on some of the big guns like Google, Yahoo and Adobe you may be experiencing a twinge of anxiety over the security for your own business. You may have believed your network was invincible so this news could leave you feeling shaky. You have good reason to feel this way – according to an article in the Sydney Morning Herald the number of hackers tampering with private financial information belonging to Australian business is on the rise. Obviously using the internet and intranet for business has become a viable solution to accomplishing company objectives, but on the downside the criminal faction sees just as much opportunity.

Australia is a Frequent Target for Cyber Crime

Symantec, a data security firm reported that Australian and New Zealand businesses suffer 75% more security breaches than the global average with 89% of the companies polled in the last 12 months admitting at least one intrusion. Hackers are not necessarily going after the major companies where they can make off with large sums of money. Like any other thief, they go where the risk is low and they can get in and out of a system quickly and without detection. The fact is you don’t have to be at any particular level of business profitability to be targeted. Smaller companies tend to use less comprehensive IT security making them more susceptible. In general, hackers are interested in easy money.

Google and Other Large Corporations are Not Exempt

The threat does not always revolve around banking information or sensitive intellectual property. As Google discovered in December 2009, issues such as human rights are at stake in cyber attacks. The advertising and search giant was appalled that a highly organized effort dubbed “Aurora” was being made to hack into the Gmail accounts of Chinese human right activists. They managed to infiltrate only two accounts and were not able to see the account holders’ actual correspondence. The action put Google in the position where it felt it necessary to warn the Chinese human rights community of the attack and to prepare to withdraw business ties with China. Officials at Google did not directly accuse the Chinese government of being the perpetrators but they decided to review doing business with the country based its attempts to limit free speech on the internet. Google stated concern for the safety of the Chinese citizens and the potential for them to be interrogated and imprisoned.

There were at least 20 other large internet, media, finance and technology companies included in the attack: Yahoo, Adobe, Symantec, Dow Chemical and Northrop Grumman to name a few. It was accomplished through a technique called “spear phishing.” This resembles an attack against 100 IT companies in July 2009 where company employees were targeted with infected email attachments.

Small and Midsize Businesses have Minimal Defense

Most businesses are totally defenseless against these sophisticated attacks. They use instant messages and …

Overview of Malaysia Economy and Franchise Business for Asia Franchises and Franchisees

Franchise Glance

The Malaysian economy showed good growth in 2012/2013 and is predicted to exceed 5.4% in 2014 with similar growth forecast to continue through to 2016. Demand is high in Malaysia with over 60% of Malaysia’s GDP contributed by domestic consumption.

In 2013, 480 new franchisees entered the market and as of August 2014 there were over 700 registered franchises with more than 6,000 outlets. The industry has growth capacity as it presently accounts for only 5% of total retail sales. Around 25% of franchises are overseas controlled and domestic franchisors are global looking, being in 51 countries totalling 1,494 outlets.

International expansion by domestic franchisors:

1) Indonesia – 22 franchisors

2) China – 14 franchisors

3) Singapore – 17 franchisors

4) Philippines – 10 franchisors

5) India – 10 franchisors

6) Vietnam – 10 franchisors

7) Brunei – 10 franchisors

8) Arab Saudi – 9 franchisors

9) UAE – 9 franchisors

10) Australia – 7 franchisors

Malaysia has Asia’s and probably the world’s most franchise friendly government. Malaysia views franchising as an important economic driver and as such it offers various sweeteners to encourage the expansion of the industry.

The Malaysian government actually has their own franchise development department which created the National Franchise Development Master Plan (PIPFN) 2012-2016. The plan sets out challenging goals and strategies:

  • To contribute 4.3% of GDP by 2016.
  • To contribute 9.4% of GDP by 2020.
  • To have a 16% increase in the number of registered franchise companies by 2016.
  • To make Malaysia the franchising hub in South East Asia.

The plan is hitting its milestones with franchising contributing around 2.7% of GDP in 2012 and the industry generated approximately US$7.5 billion.

The Perbadanan Nasional Berhad (PNS) is an agency owned by the Ministry of Finance Incorporated (MOF Inc.) with the mandate to lead the development of Malaysia’s franchise industry. Several great finance schemes and tax incentives are available to help existing businesses grow through franchising and to attract new franchises into the country.

For example, the Franchise Micro-Financing Scheme allows prospective entrepreneurs with lower incomes the opportunity to start businesses with mitigated risk. The PNS allocated RM8 million (approximately US$2.5 million) to the program and as of early April 2013, RM6 million (approximately US$1.9 million) was delivered. The Ministry has stated that it is not averse to pumping more funds into the scheme.

Another scheme-The Franchise Development Assistance Fund-encourages local businessmen to expand their existing business into a franchised business. Businesses that have already been successfully developed as franchises are eligible for reimbursements of up to 90% for the overall franchise system development costs incurred, for a maximum amount of approximately US$31,118.

In addition, low interest loans of up to 80% are available to new franchises with no guarantor or collateral required and of particular interest to overseas companies looking to enter Malaysia is the availability of assistance for master franchisees.

To take advantage of these schemes and for further Malaysian franchise information please visit:

Malaysian consumer

Malaysia is geographically well …

Business Lawyers – What They Can Do For You

Business lawyers and attorneys can advise you on how to properly structure your business, (be it through a sole proprietorship, partnership, joint venture, corporation), on how to deal with disputes that may have arisen during the course of your business operations, or on how to dissolve the business. With respect to the latter, it is worth mentioning that I have and am dealing with a number of business dissolutions here in Toronto (it may be the poor economic times?). There are a number of cases which come up which you may not realize (ie unless you're a lawyer and you are trained on and deal with these things regularly). Typically, these issues include:

* Division of business assets.

* Responsibility for business liabilities – particularly the lease, supplier agreements, employment agreements, and tax obligations.

* Preparing the necessary paperwork (eg bookkeeping, taxes, government forms) to dissolve the business.

* Ensuring compliance with the business' internal documents (eg partnership agreement, corporate by-laws and resolutions, shareholder agreements, and articles of incorporation, etc.).

* Informing customers (both past and present), employees, and other owners of what is happening with the business.

At the end of the day, you will likely need a number of documents and agreements prepared by a business lawyer in order to help oversee the business dissolution. For example, you should have a lawyer explain the various options and then draft some type of dissolution agreement for all the parties to sign off on. Next, you may need your lawyer to draft and / or negotiate terminate and release of liability agreements for landlords and suppliers, etc. Finally, your lawyer may be called upon to prepare the government forms to submit in order to dissolve the corporation. Finally, if business partners take issue with and dispute the steps along the way towards dissolution, then lawyers may be also called upon to try to negotiate a settlement or resolve the issues through litigation.

In any event, you should definitely consult a business lawyer before trying to do any of these things yourself. Doing so will save you time, money and aggravation in the long run and make sure that your rights are protected and your interests are advanced.

Business lawyers and attorneys can also help you understand your legal rights and obligations with respect to your business. They can tell you if a particular course of action could be challenged by (1) breaching a private contract, (2) giving rise to a possible tort liability, and / or (3) violating a statute or regulation established by the government.

Let's take the common example of establishing a restaurant business.

To begin, there may be partners who want to invest money in the business. This calls for a partnership or corporation type of structure. There will need to be agreements that reflect the wishes of the partners; issues such as ownership, control and management, liabilities and indemnification, and dissolution all need to be addressed and included in such agreements (plus many other things).

Next, …

Government Grants You Can Get for Your Cleaning Business

Do you want to put up your own cleaning business, but do not have enough money for it? Do not lose hope and just throw your dream away, since you can still fulfill your dream with government grants. For those entrepreneurs who do not have capital to access or have limited funds, you can apply for government grants.

The US government do provide business grants to people who would want to put up a small business, one of the businesses that are entitled for government grants is cleaning business. There are lots of entrepreneurs who are interested of applying grants since these are not loans, these can be given for you for free, and you do not have to pay it back.

It is a fact that the government has billion of dollars that are allocated for government grants. Government provides grants each year, so if you need money to start up your own cleaning business, you can apply for it.

But, in order to know more about this, you need to be aware of it, so you can apply and be given the opportunity to gain it.

So are you dreaming to put up your own business? If so, you can apply for grants. Actually, government has increased its assistance; the government now provides money for Business Start-Up, Education, Home Purchase, Home Repair, Inventions and Innovation.

You can go through the process by filling up the forms that the government provides, afterwards, drop it in mail and wait if you are qualified, if you are you will receive a check for thousands of dollars.

Take note that this is free money and you do not have to pay it back. Does it sound unbelievable? It may sound unbelievable but it’s true. You can be given the chance to gain grants and receive free money to easily start up your own cleaning business.

Actually, anyone can apply for government grants, so you too can apply. Do not hesitate to try it out, you never know, you might be the one who will gain thousands of dollars for free and with that, you can make your dream come true – to put up your own cleaning business.

Since you do not have enough information about it and you do not have enough knowledge on what to do, you can use the internet and check out for guidelines and instructions that can help you out on what the right things to do to effectively apply for a government grant so you can effectively start up and run your own cleaning business.

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