Three Advantages of Hiring a Local Electrician Over a Big Corporate

There are advantages to hiring a local electrician who is not part of an agency or corporation versus hiring an electrician that works for a big corporate company. It is best to research local electricians online, through people you know, and through a directory of electricians.

You should take time to research credentials so that you get the best electrician for the job. Once you find a list you can compare the electricians and can compare to a big corporate agency to see what is best. Consider that there are positives and negatives to choosing either an electrician or a big corporation.

The first advantage is price. A local electrician can decide how much to charge while an agency may have set prices and no way to bargain it down. You can look at multiple electricians and find out who is willing to offer you the best price for the job. Some electricians maybe willing to bargain with you as they will be happy to have your business if business is slow, which it might be with the economy. Consider multiple ones as price may be different due to different ways of doing the job (ie tools they use, etc.) Sometimes you may have to pay a little more for services but it may be worth it depending on the electrician's experience.

The next advantage of hiring a local electrician is that they are more than likely more experienced than an agency. Considering that low level electricians or electricians with little experience can work in a corporate company under others but are not able to work on their own. It is still important to research credentials of electricians to make sure they have the experience you are looking for and also ask them what they do best in terms of their electrical work.

The last advantage is knowing that a local electrician should be licensed. Make sure to research the electrician to make sure their credentials match up with what they should have. A corporation can have people that are not licensed working as apprentices.

Compounding Is The Best And Least Time Consuming Strategy

Time in a Composite strategy is your biggest friend. The longer your investment is allowed to Compound, the larger your Account becomes.

If you have a 'super' busy life, and have a lump sum to invest, after making the initial investment there is nothing more to do. Get on with your life and watch your dispute reinvestment strategy build up.

Compounding involves adding to your original capital invested every year, and then that new balance to be added to in the next year, and so on. Buy solid dividend paying companies, like the Dividend Aristocrats, and you are assured of the best Compounding strategy available.

Not only do Dividend Aristocrats pay dividends every year, their dividend history through all sorts of market upheavals, their dividends also Rise every year. This means a Growing dividend Yield for the Composite strategy, and when coupled with dividend reinvestment, you have 2 strategies in one!

Most pay Rising dividends 4 times a year, so no matter the current state of the market, reinvestment is taken care of by these companies for you. No temptation to sell in a big drop, just let the reinvestment strategy take care of itself, and LET IT COMPOUND.

Your Time is your own, after the original investment is made, just 'put it in the bottom drawer' and watch it Compound for as long as you like.

In the last big 'drop' in the market (2008-2009), 10 Dividend Aristocrat stocks were delisted from the Dividend Aristocrat Index because of changes to their dispute policy (they cut their dividend), so make sure to only invest in the ' biggest and best '. The longer they have paid rising dividends and stayed in the Index the better.

Companies like McDonald's, Johnson & Johnson, 3M, Wal Mart, who have paid rising dividends for decades, through all sorts of economic shock / upheavals, are the ones to invest in.

If you are investing through a savings plan, you are probably adding to your investment once a year, so again your time is yours.

Even if you have 10-20 years to go till retirement, do not 'put off' this strategy, as Compounding is the best 'hands off' strategy there is. Even if only your bills in retirement are taken care of, that is a huge bonus, the alternative is not pretty.

The best holding period for this strategy is 'forever', but when you ever need the money, there is no need to sell, just change the reinvestment part to cash dividends, and everything 'is sweet'. No capital gains tax, as no shares have been sold, you are receiving a 'GROWING' income stream for ever!

Time is your FRIEND in a Composite investment strategy, so start NOW.

New Franchisee? How Franchising Lenders Work in Canadian Franchise Finance

Being the 'new person' is not always beneficial, especially when it comes to a major life decision such as your new career as a franchisee in Canada. Not knowing about franchise finance or franchising lenders work is definitely a set back - so lets get you 'armed and ready' with some solid info on financing your franchise.

First of all, here's the good news - financing a franchise in Canada is certainly possible - It's mostly done by a guy named BILL! And we're not kidding. More about him later.

In fact, the franchise industry is currently viewed as quite healthy as lenders feel that the concept of proven business models and branding of your franchise are great steps to opening what absolutely is a 'start up' business. Obviously we all agree a franchise 'start up' is steps ahead of opening up your own business and 'taking a chance'.

So, can you get a 'standard' bank loan to complete your franchise finance? We do not want to be too sarcastic here, but the answer is, yes, if you have a million dollars net worth, pristine credit, and some outside collateral and guarantee ability. So what we are saying, putting that sarcasm aside, is that conventional lending does not really work if you're a new franchisee seeking an independent business opportunity financing.

So, that brings us to our friend BIll, remember we told you he finances most of the franchises in Canada. Clearly a popular guy, as he finances millions of dollars of franchises. Our clients want to immediately get to know this Bill guy. So, who is Bill?

Actually we have spelled his name wrong, its BIL, because that is the name of the government sponsored loan program in Canada (in the US it's called the SBA loan) that funds most franchises in Canada.

How can one program be so popular? It's simply because it's well suited to what you are trying to accomplish. It provides great rates, terms and structures, limited personal guarantees, and requires what we in our firm call a reasonable or decent personal credit history. IE You do not need that million dollar net worth we spoke of earlier?

So how do you achieve franchise finance success with franchising lenders on the BIL loan? Again, pardon our humor, but investigate the Boy Scout motto - Be Prepared!

The essence of approval for your franchisee venture for franchising lenders under a BIL loan is a crisp business plan, a financial projection that makes sense, and various back up documents as required by the program. Naturally you also need assistance in determining who offers this loan program, how it can be sometimes augmented with other financing, and it sure helps if you present it professionally and properly.

So, we always try to have a bottom line, and in this cases its pretty simple - investigate the BIL program, do your homework, identify key requirements, and, if you are challenged by any of the above seek a trusted, reliable, and experienced Canadian business financing advisor who can help you achieve franchisee franchise finance success with the right franchising lenders for your BIL. And, by the way, congratulations on your new role as a Canadian entrepreneur!

Business Law Attorneys

This professional offers legal advice to persons who are involved in all aspects and stages of any business. Some of the things that business law attorneys do include:

• Make sure that there is compliance with all local business laws. If they do business internationally, they will make sure they comply with those laws too.
• Offer advice and file forms for each step from the formation of a business to the dissolution if necessary,
• Handle lawsuits
• Review and write contracts
• Create staff manuals
• Enforce polices or guidelines
• Cover all communications with the media

One important job of the such law attorneys is the formation of a new business. If there is more than one owner, they will advise them on the type of business they are forming. It could be a partnership, corporation, or limited liability company. When forming a business of any type it entitles a concrete understanding of the liability and tax implications of each kind of business. Once the business is formed, the attorney may be liable for filing all of the annual reports and other forms involved with the business with the different government agencies.

Many times businesses will use such a law attorney when they want to terminate or dissolve their business. This is done to ensure that the pre-established dissolution guidelines are followed correctly. The attorney may also handle new issues like a lien, a big number of assets, or an outstanding debt. Business law attorneys may also give advice on some of the daily events in a business. They may be asked to develop guidelines for human resource staff regarding the firing and hiring of employees. If an employee notices that they have been sexually harassed, discriminated against, or wrongfully terminated they may handle the law if one has been filed. They could work on the behalf of the employee or employer.

Sometimes business owners will call business law attorneys if they have questions about specific ways to save money such as whether they should own or lease a building. They may also want advice on where they can conduct their business to avoid having to pay high taxes, which is particularly true if they are thinking of expanding their business internationally.

Some business law attorneys are familiar with patent laws so if a business has developed a product they may contact an attorney to help protect their interest by filing a patent. If the attorney has an understanding of intellectual property laws, they may be asked to help a business trademark the name of the product or their business name. Business law attorneys may act as the businesses spokesperson if a lawsuit they are involved in catches the attention of the media.

How to Calculate Your Ideal Shoulder Size - It All Starts With Your Height

If you were to picture your idea body proportions and shape you've probably got an image of wide shoulders and a narrow waist (or at least you SHOULD have this image in your head). But what you might not be focusing on on is the exact size of your shoulder compared to your waist.

In order to calculate your ideal shoulder size you first have to know your ideal waist size. BUT in order to know your ideal waist size you have to start with your height. The calculation goes from your height to your waist to your shoulders.

Your ideal waist size is going to be between 45% -47% of your height. In other words, if you're 70 inches tall you're ideal waist is between 31.5 - 33 inches.

This calculation is based on bone structure and a low level of fat mass. Once you have determined your ideal waist the next calculation is your shoulders.

Based on all of the proportion and physical attraction research we know that the ideal ratio of waist to shoulders is a ratio of 1: 1.618. Going back to our example of 70 inches height and a 31.5 - 33 inch waist your idea shoulder circumference would be 1.618 times larger than your idea waist or 51 - 53 inches.

The ideal shoulder to waist ratio only holds when you're waist is in its ideal range. In other words, having a waist that is 50% of your height and shoulder that are 1.618 times larger than this is not going to produce the proportions you are looking for. And in fact you will find it very hard to build your shoulders to this degree to offset the bulk of your waist. This will also produce a shorter stalky look that is not ideal. Your best proportioned body shape must start by accounting for your height, otherwise there is no way of determining what waist size and shoulder size is too think and too thin.

Follow this measurement pattern starting with your height -> ideal waist -> ideal shoulders and you are on your way to building your best proportioned body.

The Network Marketing Business Opportunity

Network marketing business opportunity offers an incomparable way to meet your financial goals because when you pay the small sum to register to become a distributor, you are given access to a multi-million dollar company in most cases with all the tools already in place to create the income you desire. You get a complete product line, warehouse facilities with shipping and handling, customer service, legal, accounting, marketing, research and development, and management. There is not another business model where you receive all this for just a few dollars, usually five hundred or less.

In addition to all that you get from the company, usually a new distributor gets support from someone who signed into the company before they did, often called upline members. Upline members share their experience and knowledge with new distributors and help them have a greater opportunity to have a successful business.

A person who becomes involved with a network marketing company can usually work from home and enjoy the tax benefits. Most of the time they do not have any employees, or they hire their children to do some simple tasks. They usually start out part time and work around the schedule of their regular job until the income from their network marketing business is greater than the income from their regular job. They can make sales and the company will usually ship the products right to the customer's door. Problems are handled by the company's customer service. The accounting department tracks their sales and cuts their commission check at the specified time.

A person who becomes involved with a network marketing company has to meet certain requirements to receive a commission. One of them is that they must also be a consumer of the product. Commissions come from two sources, sales to customers and bringing in other distributors who also use and sell the product. It's very important to study the pay plan and know what conditions have to be met to receive contracts. It's also important to know how much commission you'll get at each level of the pay plan.

At any one time there are about 2,000 network marketing companies to choose from. Choosing the wrong company can result in all of your hard work going down the drain if the company goes out of business. For this reason it's often suggested to choose a company that has been in business from 2 to 5 years. There is also a risk of not finding other distributors that share the passion of building their network marketing business opportunity into a livable income stream.

Compare a network marketing business opportunity to a regular traditional business. Most regular businesses do not start off at the multi-million dollar level. All the tools have to be developed and the product line purchased independently. If a warehouse and shipping is needed, the business owner has to get it and pay for it.

The business owner often starts out handling the customer service and if profits permit they hire someone or farm it out to a company. They hire legal services, accounting, research and development as necessary. They usually manage the business even if they have no experience in managing that type of business.

The owner of a regular traditional business is solely to make all the decisions. There is not anyone who can share his or her experience or give advice. When sales are made, it's up to the business owner to see that the customer receives their purchases, pays for them and that any problems are handled promptly. If charges are paid on sales, the business owner is liable for seeing to it that they are paid promptly and accurately. There is a lot of work in running a regular business successfully.

Most traditional businesses are full time businesses with employee heads, various taxes and overhead. There is little relief in a traditional business. In all types of traditional businesses the failure rate is 90% in the first five years.

Some people believe that a franchise provides an easier route to business success than a traditional business. Franchises can be very expensive because of upfront franchise fees and ongoing fees and percentages of sales that the franchisor sometimes requires. Depending on the details of the franchise, some of the same services offered by the network marketing company are offered by the franchise, such as research and development, legal, and warehouse. Although training is provided, the services, not offered by the franchisor are the responsibility of the franchisee.

There is still a lot of work involved in running a franchise successfully. They are usually full time businesses with all the employee headaches, various taxes and overhead, including franchise fees. Depending on the contract, if the franchise fails to make a certain profit, the franchisor can force the franchisee to take actions such as advertising to increase business. Also law suits can arise when the franchisor and the franchisee do not agree.

It's the training and business experience that people receive that help them succeed with franchises. Still franchises can be a tremendous amount of work. There's no guarantee that the franchisee will not go out of business. Unless you're investing in one of the top franchise opportunities, the risk is still there for failure. Considering the investment in time and money to get started in a network marketing business opportunity, it's a better investment than either a traditional business or a franchise.

Website Builders - How to Choose the Best One For Your Small Business Success

You can personally build a website for your business without needing to learn how to program or train as a website designer. Fortunately, you do not need to despair if you do not have several hundred dollars to spend on developing a website as there are many programs and online resources available that will cost you a minimum amount to get up and running.

The dilemma is that there are so many programs including the cheap, the free and the expensive - that it has become difficult to choose which option to use to build your own business website.

1) Free Website Builders

You may be wondering where on earth you can get a website builder for free? The answer is simple; from a website host. Many or indeed most website hosting companies will give you access to a free website builder as a free resource along with the hosting package.

Unfortunately, as in life generally, things you get for free tend to come with some disadvantages.

In the first place, in most cases the free programs have limitations - one of which is likely to be that you are only allowed to build a few pages. If you want any more, you often have to upgrade to a paid version of the website builder.

Next, most of these programs while quite easy to use tend to produce very basic websites which may not be anywhere near your standard of competency professionally constructed websites.

Apart from these factors, web hosts website builders tend to in my opinion lack flexibility so that as your business grows and you want to add features such as polls or forms to gather information or even adverts, you may find These features are lacking and impossible to add.

Lastly, how about if you want to move your website to a new host - Sorry, a website hosts website builder is likely to be so knotted into the system it is impossible to move. You may need to start from scratch on a new website host.

2) Software Based Website Builders

In this scenario, you simply purchase your website builder from a company and download the software or you pop into a shop and buy it as a CD or DVD package. Then you follow the instructions and carry out a simple installation. Next, you allow the built in wizard software to lead you through various choices such as which template template and features to use etc., add your content and then upload your website onto your webspace on the Internet.

To successfully apply this method you will need a bit more technical knowledge than the other options as you will need to ensure that the package you have is compatible with your computer, select compatible website hosting and make sure you understand how to transfer files from your software and computer to your website hosting package.

Some of the downloadable packages come with free trials so you may be able to test the software and see if the designs are good enough and the processes are easy enough for you to work with.

Most of the time these software programs are much more advanced and provide better, more modern resources than the free hosted packages. One major advantage is that in most cases, you only need to pay once so your only further expense is your monthly website hosting.

Another advantage is that since the software is on your computer you can load your website to any web host you want and there before you can move to a new host easily and quickly whenever you want to.

3) Internet Hosted Website Builders

Online website builders are hosted on the Internet by a dedicated website builder provider company. They can be much easier to use as you do not have to download or install the software. Rather, once you pay your fee (in most cases monthly) you are given a user name and password with which you access your web space any time you want to modify your website.

Often these programs have a free trial period as well. In some cases hosting is free without you want extra services such as a dedicated website domain or more features.

Another advantage is that unlike the software packages, you benefit from any upgrades and extra features are added on automatically.

These programs tend to be quite easy and rapid to use and full featured. They often come with a demonstration or wizard to walk you through the whole process of creating your website.

Factors you should consider when choosing a website builder:

• Clear instructions - You should either be provided with clear Step-by-Step Instructions or a video which shows you exactly what to do and how to build your website.
• Designs - Before you pay make sure you check the quality of the templates they provide or if they showcase their clients go and have a look at their actual websites.
• Resources - What kind of resources are they providing you? Think forward. What do you think you may need to add to your website in future - video, music, flash animation, adverts, forms, polls, downloads? Find out if the service or software provides these resources
• Support - What kind of support facilities are provided? How do you contact them if you get stuck or your site is down? Do not wait till you have a problem, find out before you sign up or buy.
• Domain / Website Hosting - Will these facilities allow you to buy your own domain name or transfer it to other website hosting if and when you need to.
• E-Commerce - Will these services allow you to turn your website into a shop when and if you need to. Will they accept PayPal or do they provide a shopping cart. What about security if you want people to pay you online? Are secure facilities available to you?
• Free Trial - Can you start with a free trial - look for at least a 30 day website trial before you start so you can test the services thoroughly.
• Ease of use - Do not persist with a website builder that is proving difficult to use or does not work properly during your free trial. Your website builder should be easy to use and understand. If it is not, you will most likely get more and more frustrated as time goes by and stop updating your site when you bought to be updating it regularly.
• Payments - Make sure you read their terms and conditions properly. How often do you have to pay and how much? Which facilities cost extra. Note that over time, a hosted solution could potentially cost you more in the long term than a professionally built website. If you are on a hosted website builder solution, check how much you would need to pay for hosting only at a dedicated website host.
• Optimization - Are you being offered any optimization, website marketing facilities or website traffic building facilities - if so make sure these are for free or determine whether and how much you are willing to pay for them.

Finally, take a good look at the services and facilities your website builder is offering you in light of your business model and services. If you think a website builder will provide you with value for money or really help you save money in the short term then using one could really help you build your business.

The best website builder to choose will depend on whether you are technically advanced or a novice when it comes to computers. Other considerations are which features you need, future goals and how speedily you require your website to be built. If you take all these factors into consideration, you will be able to build the best possible website for your business.