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Sunday, April 24, 2011

How To Start a Home Business - 10 Tips

1. Create a business plan

Don't be afraid to make plans. You may end up completely re-writing them as your business develops, but you should always have a roadmap. You can easily download a business plan template online to help kick-start the process.



2. Designate a workspace

Working from home can be a huge challenge with the distractions of daily life. It's important to designate a workspace that is quiet, efficient, and inspiring for you. Take time to plan the space. Find furniture and supplies to help make the most of your space. Create a system of organization that makes sense to you. Decorate your work area so that it is a place you enjoy being in.

3. Set a work schedule

It's so much easier to procrastinate when you work from home. Don't do it! Set a schedule and stick to it. This is your business, so don't be afraid to develop an offbeat schedule, if you need to. Work evenings, if that's easier. Give yourself Wednesdays and Saturdays off, rather than the traditional weekend. Whatever schedule you choose, be sure to hold yourself to it.

4. Use a calendar

So, you are the boss now. You have to be organized. Take the time to set daily, monthly, and even yearly goals for yourself. Always be aware of the task at hand, with an eye toward the tasks that are approaching. Using a calendar is the best way to ensure you will stay on track.

5. Develop your branding

Be aware that your business name and image will (and should) become synonymous with everything you do. A great business name and image will help draw people in, and brand recognition will bring them back for more. If you are not design-savvy, it is well worth the investment to find a pro graphic designer to help you create an artwork set. There are many independent creative professionals on Etsy.com who offer affordable rates and a unique design eye.

6. Blogging and Social Networking

Blogging and social networking are great ways to get the word out about your business. This can also help to build links for search engines to find you. Try to focus on updating 1 blog regularly and using 2-3 social networking sites to start. It's better to pay special attention to a few sites, rather than opening up a bunch of accounts and never using them. In addition, you should always remember that your post activity represents your business. Be polite, be professional, offer your original perspective, promote others and please don't spam us.

7. Be aware your business vs. personal finances

Registering your business as a sole proprietorship does not mean you shouldn't have a separate sense of your business and personal finances. Always have a clear understanding of living expenses when making plans for the business. There is no worse feeling than realizing you've spent your grocery money on office supplies or vice versa. Consider using computer finance software such as Quicken Home & Business, so that you always have a clear picture of your financial situation.

8. Find cost efficient ways to advertise

You don't have to spend $1,000's on an advertising campaign. Determine who your target market is and go where they are. Wise use of blogging, social networking sites, forums and chat rooms will take you a long way. When it's time to spend money, buy a printer so you can create your own business cards and targeted fliers. Offer discounts on your goods in exchange for links, bulk orders, or repeat customers. Create custom button pins, magnets, stickers to give away as promotional gifts. Use that business ingenuity to get the word out about your business without spending an arm and a leg.

9. Pay yourself

In the age of Wal-Mart and Target, people are used to cheap goods for cheap prices. New business owners may be tempted to under value their products and services to keep up with Target prices. Don't do it! Everyone deserves to get paid for the work they do. To price your products, just calculate time plus labor. It's that simple.

10. Accept help

Running a home business can be overwhelming, but you don't have to do it completely on your own. It's ok to ask for help when you need it. Whether it's a family member, a friend, or if you have to put up a flier at the local post office to seek an extra pair of hands, allow yourself to get the help needed. Finding menial tasks that someone else can do will allow you more time for creating advanced strategies.

Article Source: http://EzineArticles.com/6173016

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How To Start A Scrap Metal Recycling Company

The scrap metal business is booming even in this sluggish economy. If you are considering going into this business, there are three priorities that you must look at first.



1. Where will the accumulated metal be stored?

2. How will you ensure the holding areas safety?

3. How will you get your metal?

You need the answers to these three questions solved before beginning the business. The name is not as important as the job itself but just so you know these types of businesses are known by many different names. You may call it recycling, scrap yard, and waste metal recycling, wrecking yard and many others.

No matter what you choose to call yours there are some basics that you need to follow. It is a hand on type of business if getting dirty leaves you squeamish this is not for you. You will have to handle the product no matter its condition. You should have all the safety procedures in place before you start scrapping.

Now that you have all of that taken care of it is time to concentrate on how you are going to get the scrape for recycling. Scrap metal is collected from old automobiles, buildings, any surplus metal can be recycled. This is one thing that is in great demand because for manufacturers it is a cheaper source of metal than buying it pure from the ore.

The collection process can be of several types. A lot of people just want to get rid of what they see as useless junk. You can have a business that allows people to drop off their old metal objects for free. Or pay a small fee for the items. You can get items for free if you offer a hauling service as a part of your business. You can also go on salvage runs yourself. Either way you spend very little in a business that can mean huge profits.

The collection process can be of several types. A lot of people just want to get rid of what they see as useless junk. You can have a business that allows people to drop off their old metal objects for free. Or pay a small fee for the items. You can get items for free if you offer a hauling service as a part of your business. You can also go on salvage runs yourself. Either way you spend very little in a business that can mean huge profits.

Some businesses, like junkyards, resell car parts. Some pull and separate the parts for the customers but a lot of them now are using the self pull method. They will allow you to enter browse and remove the part yourself. This is done with a signed waiver of liability. Scrap metal is sold by weight not by the piece. This is important to know when starting your own business. Weight doesn't leave room for error.

These are the basics of starting a scrap business. As long as you pay strict attention to the possibility for physical injury your business should thrive. You must also be aware that some of the junk that comes in may be caustic or even toxic have this type of gear available and first aid for any contingency.

Article Source: http://EzineArticles.com/6204957

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Saturday, April 23, 2011

Insurable and Non-Insurable Risks

When we talk of insurance, we are referring to risks in all forms. Hence, having for an insurance policy is just a way of sharing our risks with other people with similar risks. However, while some risks can be insured (i.e. insurable risks), some cannot be insured according to their nature (i.e. non-insurable risks).


Insurable Risks

Insurable risks are the type of risks in which the insurer makes provision for or insures against because it is possible to collect, calculate and estimate the likely future losses. Insurable risks have previous statistics which are used as a basis for estimating the premium. It holds out the prospect of loss but not gain. The risks can be forecast and measured e.g. motor insurance, marine insurance, life insurance etc.

This type of risk is the one in which the chance of occurrence can be deduced, from the available information on the frequency of similar past occurrence. Examples of what an insurable risk is as explained:

Example1: The probability (or chance) that a certain vehicle will be involved in an accident in year 2011 (out of the total vehicle insured that year 2011) can be determined from the number of vehicles that were involved in accidents in each of some previous years (out of the total vehicle insured those years).

Example2: The probability (or chance) that a man (or woman) of a certain age will die in the ensuring year can be estimated by the fraction of people of that age that died in each of some previous years.

Non-insurable Risks

Non-insurable risks are type of risks which the insurer is not ready to insure against simply because the likely future losses cannot be estimated and calculated. It holds the prospect of gain as well as loss. The risk cannot be forecast and measured.

Example1: The chance that the demand for a commodity will fall next year due to a change in consumers' taste will be difficult to estimate as previous statistics needed for it may not be available.

Example 2: The chance that a present production technique will become obsolete or out-of-date by next year as a result of technological advancement.

Other examples of non-insurable risks are:

1. Acts of God: All risks involving natural disasters referred to as acts of God such as

a. Earthquake

b. War

c. Flood

It should be noted that any building, property or life insured but lost during an occurrence of any act of God (listed above) cannot be compensated by an insurer. Also, this non-insurability is being extended to those in connection with radioactive contamination.

2. Gambling: You cannot insure your chances of losing a gambling game.

3. Loss of profit through competition: You cannot insure your chances of winning or losing in a competition.

4. Launching of new product: A manufacturer launching a new product cannot insure the chances of acceptability of the new product since it has not been market-tested.

5. Loss incurred as a result of bad/inefficient management: The ability to successfully manage an organization depends on many factors and the profit/loss depends on the judicious utilization of these factors, one of which is efficient management capability. The expected loss in an organization as a result of inefficiency cannot be insured.

6. Poor location of a business: A person situating a business in a poor location must know that the probability of its success is slim. Insuring such business is a sure way of duping an insurer.

7. Loss of profit as a result of fall in demand: The demand for any product varies with time and other factors. An insurer will never insure based on expected loss due to decrease in demand.

8. Speculation: This is the engagement in a venture offering the chance of considerable gain but the possibility of loss. A typical example is the action or practice of investing in stocks, property, etc., in the hope of profit from a rise or fall in market value but with the possibility of a loss. This cannot be insured because it is considered as a non-insurable risk.

9. Opening of a new shop/office: The opening of a new shop is considered a non-insurable risk. You don't know what to expect in the operation of the new shop; it is illogical for an insurer to accept in insuring a new shop for you.

10. Change in fashion: Fashion is a trend which cannot be predicted. Any expected change in fashion cannot be insured. A fashion house cannot be insured because the components of the fashion house may become outdated at any point in time.

11. Motoring offenses: You cannot obtain an insurance policy against expected fines for offenses committed while on wheels.

However, it should be noted that there is no clear distinction between insurable and non-insurable risks. Theoretically, an insurance company should be ready to insure anything if a sufficiently high premium would be paid. Nevertheless, the distinction is useful for practical purposes.

Article Source: http://EzineArticles.com/6188560
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