November 7th, 2009 at 02:03am
Under Small Business
Everyone agrees on a broad level that small businesses are vital to the American economy. However, most people would be surprised to know just how important. The United States Small Business Administration keeps records and statistics on small business in the United States and some of their findings are surprising.
First, the typical perception of a small business as a mom and pop operation with just a few, if any, employees is not the entire picture. The Small Business Administration defines a small business as an independently business with less than 500 employees. There are an estimated 23 million businesses in the United States that meet that classification. In some smaller towns in the United States, these businesses represent a major source of employment.
In fact, small businesses as defined by the Small Business Administration represent 99.7 percent of all the employers in the country and employ half of all private sector employees. More than 45% of the private sector payroll is generated by small business. Over the last decade small businesses have accounted for 60 to 80% of all new jobs created on an annual basis.
Although a large percentage of small businesses are in the retail and service sectors, small businesses are rapidly making gains in the technology sector. 41% of high tech workers like engineers, scientists and computer programmers are employed by small businesses. Employees at small businesses produce 13 to 14 times more patents than those employed by larger companies.
The Small Business Administration also offers some interesting observations on small business survival. Two-thirds of small businesses survive for at least two years declining to 44% after four years. Most of the factors that support a small business surviving are well known, such as access to capital and owner’s education level. However, a lesser known factor in small business survival is that the business is large enough to have employees.
Similarly, barriers to starting a small business include lack of access to start-up capital and lack of education. However, the number one barrier to small business start up and a primary concern of existing small business owners is access to private health insurance. Individual health insurance for sole proprietors is much more expensive than receiving coverage through an employer. If a small business owner is able to offer health insurance to its employees, the administrative and premium costs are often much higher than those for larger businesses.
October 24th, 2009 at 01:02pm
Under Small Business
This report presents a comprehensive picture of the contribution of small enterprises in Ireland. The report contains data on the contribution of small businesses in industry, services and construction, as well as statistics on the labor, the knowledge-based economy and workforce. It also includes international comparisons. In the report, a small business is defined as an enterprise which employs fewer than 50 people. Statistics on medium (50-249 persons) and large enterprises (250 or more people) are included for comparison. Highlights of the report are: Industry: Production and employment dominated by medium and large enterprises * In 2005, four of the five industrial companies (81%) were small businesses with fewer than 50 employees. This company employs 50,000 people, slightly more than one fifth of total industrial employment. * The larger companies (50 or more persons) employed 181,100 people in 2005 and generated 93% of the total turnover in the industry. * The vast majority of small industrial firms were Irish owned (95%). Nearly 42% of larger companies are foreign-owned. Services: More than 380,000 employees of small businesses in the service sector * In the service sector, almost all companies (98%) were small. There were 82,100 small businesses, employing over 380,000 people in the service sector in 2005. That was more than half of total employment in this sector. * Small businesses account for nearly half (49%) of total turnover in the services sector, and generates a turnover of nearly ? 81.6bn in 2005. * Nearly half of small businesses in the service sector are the property of the family (47%). The vast majority of these family businesses employed fewer than 10 people. Construction: Small businesses occupied two thirds of all people who work in construction * According to the Quarterly National Household Survey, there were 253,200 employed in construction in the fourth quarter of 2005. Of these, 211,000 have indicated that they worked in small businesses (fewer than 50 employees), while 24,500 have indicated that they worked in large enterprises (50 or more employees). A further 17,600 not specify the number of employees to their jobs. * Among the 253,200 people employed in the construction industry, more than 65% worked for very small concerns employing less tha ten people. Salaries and wages: 54% of private sector employees in small firms earned between ? 10 – ? 20 per hour in 2006 * The average hourly wage in small businesses were ? 15.22 in 2006 compared to ? 19.38 in companies with 50 or more workers in 2006. * The average annual salary for employees in a small business amounted to ? 32,453 in 2006. The average wage in large enterprises was ? 44,794 per year. Knowledge-based economy: the larger companies have shown higher levels of e-government activities * Small businesses generally not more modern information and communication technology than larger companies. * Almost all companies with 10 or more employees were connected to the Internet that two-thirds of businesses with fewer than 10 employees to use the Internet. Size of work: almost 56% of employment in small workplaces * In all areas, 56% of jobs in workplaces where fewer than 50 persons were employed in the second quarter of 2007. A total of 1175800 people worked in small workplaces. Of these, 839,300 were employees, 216,600 are self-employed and 107,900 are self-employed with employees. These figures include agriculture and the public sector and the economy. * Among the 316,300 non-Irish nationals in employment in the second quarter of 2007, less than half (47%) worked in small workplaces. EU comparison, the value added in small construction firms in Ireland was three times the EU average in 2005 * Almost three-quarters of production in Ireland turnover was generated by large companies, while the EU average was 60%. * In 2005, Ireland is recorded but the gross value added per employee of ? 51,600 in the distribution of services. The EU average was ? 33,000 per employee. * The gross value added per employee in the construction industry in Ireland was significantly higher than the EU average for all types of employment dimension.
October 24th, 2009 at 06:44am
Under Loans
I will probably need to replace my car soon, but I don’t know that I want a traditional car loan because it would require having more insurance, and thus be rather expensive for me. (It’d be about double for me, as I don’t have a spotless driving record). I was wondering if instead I could get a personal loan from the bank, say in the neighborhood of $3-5K and use that for a car thus saving me a bunch of money by not needing collision coverage if I could pay for the car in cash.
Now the questions … is this possible, or is there usually some stipulation that you can’t use a personal loan for a car? What sort of collateral do you usually need for a personal loan? If you have good credit, can you get one w/out collateral? Any info would be greatly appreciated! Thanks!
October 22nd, 2009 at 10:20am
Under Internet Marketing
Getting into Internet marketing is not as easy as others might think. It is not just the matter of having your personal computer connected to the Internet and you can now start earning income through Internet marketing. Above all, you need to have an idea about starting your business on the Internet. In other words, you must have done your homework first before taking the plunge of getting into Internet marketing. For more information visit to www.tube-pros-espects.com Remember that this kind of business venture is full of financial risk that can cause you to lose not only your investment but also your determination to continue the business venture.If you are into Internet marketing, you must not forget the name of the late Corey Rudl. He is one of the famous personalities in the world of Internet marketing, in which he have produced 4 highly-successful business that he started from his parents’ basement area. These 4 Internet-based businesses are generating an average of $6.6 million worth of sales per year, with the help of over 60,000 affiliates. His websites are attracting over 1.8 million visitors every month.Take note: 1.8 million visitors in each month!How did he do that? That is the question that will strike on anybody’s mind. Whatever “magic” he applied to his business, certainly it helped him a lot in establishing an Internet marketing empire over the net. And just like other successful Internet marketers out there, he will tell you one piece of advice before you plunge yourself in the world of Internet marketing.Take the best course and apply what you have learned from it.There are many neophyte Internet marketers who followed the right track and took the Internet marketing course first before getting into the business action. There was once an Internet marketer who said that he personally learned more about the appropriate marketing strategies from the course than any other textbooks that he read prior to the course. It provided him excellent ideas on how he will set up his website, what stuff will he offer for sale, and others.Thinking about getting into the best Internet marketing course before getting into the business? Good decision, yet you need to know what can you expect when you take an Internet marketing course.for more detail go to www.spam-learners-pro.com There are many programs (both offline and online) that offers Internet marketing course, but the best course contains the best subjects that will serve as your guide on Internet marketing. Such subjects are as follows:1. The course will start by discussing some basics of Internet marketing. Although it will not elaborate the history of the investment, it will include the basic opportunities on how you will be able to earn online without wasting your effort and financial resources.2. Next in line is setting up your website. Keep in mind that on Internet marketing, your website will serve as your “shop” where you can sell products of other Internet marketers or promote something that will generate income on your part. The subject will include the appropriate website design templates to be used on a particular business, registering your site in its own domain name, and others.3. Along with the course, expect that it will include several strategies on how you will be able to anticipate the moves of your competitors. Internet marketing is a growing market, and competition among Internet marketers is inevitable. Thus, there is a need for you to watch how your competitors move in order to stay alive in your chosen investment.4. The course will also include subjects related to website promotion through the use of online classified ads, press releases, newsletters, emails, newsgroups, and others. Keep in mind that your website must be as popular as possible so that you will be able to attract more clients. Promoting your website as your product is very critical on Internet marketing, and it is one of the subjects that would be discussed extensively.It is natural that you will spend some of your money in taking an Internet marketing course. Keep in mind that in order to succeed, you must have the necessary knowledge and skills that will help you reach your marketing objectives. After all, the money that you will append on taking the course is much better if the return of investment later on is large enough.Now, are you ready to plunge to the real world or have yourself first some glimpse of what you will expect on Internet marketing?
October 18th, 2009 at 05:59am
Under Home Business
Dear aspiring entrepreneur,
Before we get started, I want to be very blunt and completely honest with you. If you are looking for a “get rich quick” scheme or are looking to make $1000 by next week, then you need to leave this page! The information I am about to share with you is only for people who are SERIOUS about making a living as an Internet Marketer and a Home Business Entrepreneur. So, if that doesn’t sound like your cup of tea, then good luck to you with your future endeavors and maybe I’ll see you again in the future.
On the flip side, if you ARE ready to become a SERIOUS Internet Marketer and a Home Business Entrepreneur, then please read on. Over the next few minutes, I am going to expose to you the TRUTH behind Internet Marketing and Working from Home. I am going to tell you what it takes to become a successful Internet Marketer and I am also going to tell you what most Internet Marketing Guru’s fail to explain to you.
Internet Marketing can be simply explained as using various websites, search engines, and Internet Marketing tools to “market” (or sell) products, services, and information to people over the Internet. Almost everyone you and I know uses the Internet in some form or another; whether it is to check their email, log on to their favorite social networking site, or to buy and sell something on an auction website. People from all walks of life and of all ages use the Internet on a daily basis and in today’s troubling times, millions of people are now using the Internet for a NEW purpose; to make money!
The Home Business industry is a multi-million dollar a year industry! Thousands of people are starting their own business from home each and every day and the number keep growing month after month. Now why do you think this is? Well there are a few reasons for it. Home Businesses are:
With a home business, you never have to worry about:
Wouldn’t it be nice to have the freedom to do whatever you want WHENEVER you want? Wouldn’t it be nice to have the car or home of your dreams without having to worry about whether or not you can afford it? And, wouldn’t it be nice to be able to provide for your family without having to run yourself into the ground to do it? Well, ALL these things are possible when you start you own Home Business.
So how do Internet Marketing and owning a Home Business tie into each other? Quite simply, to be a successful Home Business owner, you MUST know how to be an Internet Marketer. This is the TRUTH that other Internet Marketing Gurus fail to mention! You have absolutely no chance whatsoever of running a successful Home Business, if you cannot market it over the Internet; plain and simple!
The simple fact that you have stumbled upon this article means that you are either a) interested in becoming an Internet Marketer, b) interested in starting a Home Business, or c) you were just looking for something to read. Chances are, options A and B are correct. And if so, that means that you have most likely been searching for an opportunity for quite some time now. You may have even tried an opportunity or two before. Now let me ask you something; did it fail? It probably did, right? WHY???
Simply because, 99.9% of the opportunities found on the Internet today are SCAMS. I’m sorry to say this but they are. Some Internet Guru uses his masterful mind and dreams up some unbelievable opportunity and decides to market it. It is so good and gets you so excited that you would be crazy not to become part of it! So you get suckered in like everyone else. And like everyone else, you successfully get scammed. Here’s how it works:
These Internet Gurus have one sole purpose in mind and that is to make money. Not because they want you to succeed as they have, not because they have a fool-proof system, and not because they find enjoyment in helping other! All they care about is selling you their e-book for some astronomical amount of money! Once they do that, their job is done. They could care less whether or not you know how to market their opportunity. They could care less whether or not you take the time to read their “million page” e-book. The only thing they care about is taking your money! Congratulations…you have just successfully been scammed. That is the TRUE meaning behind the phrase “get rich quick.” You don’t get rich quick, THEY DO!
Sounds familiar doesn’t it? Of course it does. This sort of thing happens every day to millions of unsuspecting people trying to make a living for themselves. To be honest, it’s quite the lucrative business practice. If I knew how to be a cold hearted, money hungry, ignorant scam artist the I’D dream up some masterful plan to scam innocent people. But frankly, that’s just now me. I’d rather work hard, smart, and honest.
So please, don’t get sucked in by another scam artist. Stop wasting your time and money on e-books that are so lengthy and confusing that you have to keep reading them over and over again just to get the picture. Stop getting left out in the cold and start a REAL Home Business!
A real Home Business requires several things:
Think of a Home Business as a fast food franchise opening up a new store. What does that franchise need in order to accomplish this? They need money. They need to pay to have the new store build or they need to pay rental fees or remodeling fees. They need to pay for equipment and supplies, and they need to pay employees to run the new store.
This same principal holds true with a Home Business. In order for it to be successful, it will require you to invest your time and money. Your investment will pay for products and services needed to successfully run your business. It will also pay for advertising and marketing so other people can purchase those products and services from you.
A real Home Business also requires duplication. Lets go back to the fast food store for a second. So they’ve opened the new store . It looks exactly like every other one of its kind. They provide the same options and benefits as ever other store EXCEPT for one thing. This particular store is only open on the weekends. Now how successful do you think this store is going to be? They are only open 2 days a week unlike the other stores which are open 7. Do you think they are going to be as productive and profitable? Probably not! Here’s why.
Even though the new that there was already a system in place that was GUARANTEED to work, that was PR OVEN to be profitable, they decided for some reason to try something else. They thought by doing something different and their way, it would be more productive. Does that make any sense?
Duplication is by far the most powerful tool that make a Home Business successful. All you have to do is follow the step by step system that other successful Home Business owners are already doing. Their system works, they make money with it, they know what they are doing, all you have to do is copy it. That’s it! It can’t get any easier than that!
So what now? How do I get started?
The answer is simple…I have a system in place that makes me a successful Home Business owner and all you have to do is “duplicate” what I am doing. Starting you own Home Business is easy and can be very profitable if you have a system that works. Well now you do; MINE! That being said, let me introduce you to the “Rags 2 Riches System.”
This system was developed by Chad Rissanen, a very successful Home Business owner who discovered a way to make an incredible income from home. His system can be accessed 100% FREE of charge by clicking the link at the bottom of this article. Once you fill out the form on his website, you will get instant access to his incredible system for FREE. He walks you through the system step by step, with audio commentary, how to set up and start you OWN Home Business simply by copying what he is doing. There is a small investment involved to get everything up and running but I can tell you its far less than what those Internet Gurus are charging for their services.
So, if you’re ready to start your own business then I STRONGLY suggest you visit the link below. You could have your new Home Business up and running in a few short hours. DON’T DELAY…get started now and I’ll see you at the top!
Regards,
Dustin Kratochwill
A successful Internet Marketer
PS: Did you know that almost 90% of Home Business failures are do to the fact that most people FAILED to act?! They simply got scared and ran away because things got to hard or complicated. Don’t be one of those people. This system is PROVEN to work and all you have to do is copy it! How much easier can it get?
CLICK HERE to get started on the road to success!