Trade & Franchise

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Why you should trade stocks online

When it comes to stock trading the best place to do it is online through an online brokerage. The nice thing about trading stocks online isn’t just the lower trade fees but also the many advantages you will have as a trader. Something most people don’t understand about trading stocks online is how easy it is due to all the software, charts, and help you get from the team of experts from that particular online brokerage. Advantages of trading online Learning – If you have ever used an offline broker then I bet you don’t learn too much about stocks, right? The reason you won’t learn that much is because the broker you have is most likely just giving you advice on what to trade without any help from you. The great thing about trading online is that you get to learn what stocks are good and which ones are bad from all the software that the brokerage gives you. Speed – One of the things that you never get to experience using an offline broker is the speed in which trades are executed. Using an online broker normally means that when you trade during the day your trades will be filled within 10 seconds. Using a offline broker normally means that your trade will be filled within minutes as opposed to seconds. Trading activity – Something that you never get from an offline broker is the trading activity over a certain period of time. The nice thing about an online broker is that you can get your trading activity within seconds and you can get any trading activity you have ever made under that account. Better software – Another thing that you get access to is much better software than some offline brokerages. The nice thing about getting access to all this great software is that you can easily track companies and determine when it is a good time to act on the trade. For some people using software seems to be much harder than they had originally thought but in reality once you learn how to use it there is nothing to be afraid of.

Always remember that if you want to make money with stocks then you need to have the proper stock trading training.

The author of this post is also the creator of a new lumbar support cushion.

The Federal Trade Commission has finalized a policy statement clarifying that the agency will not

The Federal Trade Commission has finalized a policy statement clarifying that the agency will not take enforcement action under the Fair Debt Collection Practices Act (FDCPA) or the FTC Act against companies that are attempting to collect the debts of deceased consumers, if the companies communicate with someone who is authorized to pay debts from the estate of the deceased.

The policy statement also emphasizes that debt collectors may not mislead relatives to believe that they are personally liable for a deceased consumer’s debts, or use other deceptive or abusive tactics. Family members typically are not obligated to pay the debts of a deceased relative from their own assets. The FDCPA limits whom debt collectors may contact after a loved one has died to people such as the deceased person’s spouse and the executor or administrator of the deceased person’s estate.

Since the FDCPA was enacted in 1977, state probate laws have changed, and now, less formal procedures often govern the appointment or selection of those who are responsible for the disposition of the estate. In many instances, there may be no formal executor or administrator of an estate. In the enforcement policy statement issued today, the Commission seeks to reconcile the FDCPA’s requirements with current trends in state probate law.

In keeping with the FTC’s October 2010 proposed policy statement the final policy statement specifies that the agency will not take law enforcement action under the FDCPA if a debt collector communicates about a deceased person’s debts with that person’s spouse, the executor or administrator of the deceased person’s estate, or anyone else who is authorized to pay the debts from assets in the estate. The final policy statement also: Describes how debt collectors may communicate with family members and others to locate someone who is authorized to pay the deceased person’s debts from the estate, and specifies that collectors may not mislead individuals into believing that they have the authority to pay the decedent’s debts when they do not. Specifies that, in seeking to locate someone who is authorized to pay the deceased person’s debts from the estate, collectors may not reveal or refer to the debts, but may say they wish to discuss payment of the deceased person’s bills. States that in keeping with the FDCPA’s prohibition on unfair, deceptive, or abusive collection practices, debt collectors may not contact family members and others at unusual or inconvenient times or places. Emphasizes that, in communicating with someone who is authorized to pay the debts from assets of the deceased person’s estate, collectors must avoid creating the misleading impression that the individual is personally liable or could be required to pay using his or her own assets, or assets held jointly with the deceased person.

Mcdonald’s Franchise Review – The Facts

Owning a McDonald’s franchise can be one of the most rewarding experiences of your life if you know what you’re doing, if you have the resources to qualify and if you do it the right way. However, before you do your share of serving billions and billions of hamburgers worldwide, there’s a few things you need to be aware of in order to make the right decision.

Today, there are roughly over 30,000 restaurants spanning the globe in over 100 countries. McDonald’s franchise has been in existence since 1955 and the franchise owners have played huge roles in the overall success of the company.

When considering to buy a McDonald’s franchise, you have 2 options in which to do so. The first is to purchase an existing restaurant from the company or another franchise owner, which happens to be the most common practice. The second option is to purchase a brand new restaurant that is built from the ground up. In both cases, you must have a minimum of $300,000 down payment that can NOT be borrowed. You have to physically have it in liquid assets.

Other important factors in buying a McDonald’s franchise include having significant business experience, good management skills, the ability to manage finances well, you must be able to execute and deliver on a business plan, you have to maintain exceptional customer service and you have to have a good credit history. If you can’t show you have all of these capabilities, then this franchise may not be a good fit for you.

Most experts will tell you that breaking even in the first 7-10 years is doing a real good job of running your McDonald’s franchise. Part of the ongoing expenses include the traditional expenses like rent, utilities, inventory, wages and of course the 4% royalty fees that are based on gross revenues and not net profits. What’s interesting to know is that the McDonald’s corporation usually owns the land the franchises are on and the franchise owners pay their rent to the corporation. In fact, it can be argued that McDonald’s is actually in the business of real estate since they are one of the largest holders of real estate in the world.

Bottom line is that owing a McDonald’s franchise is not for the timid. You have to have considerable net worth, a good track record and still get approval by the company. Not all franchises are this way and if you don’t qualify for a McDonald’s franchise, then there are plenty of other viable options for you.

Atlanta Ga Business Franchise Consultant Knows Comfort Keepers Franchise

Senior care franchise associates Biz Advisors Inc, as an Atlanta GA franchise consultant suggest the Comfort Keepers franchise.

Exploring the Range of Home Care Services

Senior citizens today have more home care services to choose from than ever before. And more than ever, seniors are opting to continue living at home for as long as possible, even when they need medical assistance.

Home care services have increased in popularity as a senior care option to assisted living facilities and nursing homes, even as quality of facility-provided care continues to improve.

The reasons for home care services growth include:

* Americas 65+ population is growing faster than ever (expected to double to more than 70 million by 2030, accounting for one of every five Americans)

* Much of the senior population growth is being fueled by the baby boom generation, which is entering retirement. Todays seniors, who are more active and living longer than previous generations, prefer to continue living independently at home for as long as possible

* Medical advancements make it possible for in-home care of chronic health conditions, which have become more prevalent due to the aging population

* Home care has become more accepted by physicians

* There is a movement toward more cost-effective health care options, such as in-home care

Studies show that even after they begin needing assistance with the activities of daily living or ongoing health care, seniors prefer to age in the comfort of their own home. In fact, the U.S. Department of Health and Human Services reports that more than two-thirds of older Americans who already need daily assistance are now living at home. This includes more than 70 percent of persons with Alzheimers disease.

In-home senior care agencies offer a wide variety of services that clients can select as needed. The services can be tailored to provide whatever amount of help a senior need to perform the activities of daily living. Services include:

*Companionship and care services, such as meal planning and preparation, light housekeeping, conversation and companionship, medication reminders, transportation, grocery shopping, laundry, and recreational activities

*Personal care services, such as bathing, help with mobility, incontinence care, toileting, feeding, and special diet preparation

*Technology services, such as monitoring, emergency response and medication management systems to provide security and care for seniors when professional or family caregivers are not present

Many seniors needing in-home care have chronic medical conditions that require regular management, so medical home care agencies can work in conjunction with non-medical in-home senior care providers to meet a seniors complete needs.

In-home elder care providers, such as Comfort Keepers, also serve todays more active seniors, helping them maintain connections with friends, as well as community organizations and hobbies that continue to give them satisfaction.

Atlanta GA franchise consultant Biz Advisors Inc sells the Senior care franchise, Comfort Keepers franchise.

Subway Franchise Review – One Footlong At A Time

The first Subway franchise was born in 1974 even though founder Fred DeLuca opened his first store 9 years earlier. Today there are currently over 29,000 Subway franchises spanning the globe in over 85 countries. Entrepreneur magazine has ranked Subway the number one franchise 13 out of the last 17 years, so its a rock-solid franchise.

Even with its amazing popularity and tremendous track record, the real question is deciding whether or not owning a Subway franchise is the right choice for you and your family. There’s a ton of things you should consider when making this big of a choice, so let’s identify what the positives and negatives are.

First of all, the total cost of entry and the total investment to get started ranges anywhere from $101,000 to $285,000. The reason for the big discrepancy depends on whether you’re buying an existing franchise or you’re having to build one or start one from the ground up. Other costs may include remodeling, leasing equipment, inventory, etc. Typically, the down payment that’s required must come from your personal liquid assets and can NOT be borrowed or come from a loan. That fact right there might eliminate some potential franchise owners.

Every Subway franchise pays a royalty fee to the company, specifically 8% of their overall gross sales. This is very important to understand because losing 8% right off the top before you pay for any rent, equipment, inventory, marketing, employees, etc can make a difference in whether or not you’re profitable. On the other hand, in exchange for the royalties the franchisee’s are rewarded with a strong brand recognition and national advertising campaigns.

As far as sales are concerned, 2800 sandwiches and salads are sold every 60 seconds. This provides a pretty constant flow of customers and expected sales. Potential franchise owners feel comfortable with this knowing that their stores most likely will not be empty. Besides, people have to eat somewhere, right?

On the flip side, you are at the mercy of your store location when owning a Subway franchise. No matter if you are open 24 hours, a location can only serve so many customers and can only make so much money. Obviously the product can not be sold online or in other areas, so actually getting traffic to the store is the only way to make sales. In this regard, the Subway franchise is NOT scalable. An entrepreneur would probably have to own multiple locations to really generate the kind of income they would be looking for in owning a franchise.

Furthermore, to buy a franchise, you must have good credit, have considerable net worth and you have to be approved by the company. Once again, this could potentially eliminate more prospective franchise buyers. In the end, owning a Subway franchise is a solid way to have a great chance of success but keep in mind that to really make it big, you’ll probably have to own about 10 or more.

Use Furniture Trade Shows Effectively For Improving Your Office Furniture Sales

Office furniture trade shows are of considerable value to office furniture manufacturers, distributors, and dealers. They allow them to successfully advertise their office furniture products to their target customers and to inspire, motivate, and persuade them to buy from them.

However, like all marketing techniques, this one too requires adequate planning and a thought out approach if it is to yield the desired business results. If you are keen to participate in office furniture trade shows and exhibitions to improve your office furniture sale, you must first carry out extensive research about the various trade shows and exhibitions that are going to place in your city/region, as well as those in other parts of the world.

Find out complete details about the office furniture trade shows in the currect year, including the number of visitors and exhibitors that are expected , the number that were present the last year, who were the major industry players that attended the exhibition, what were the key highlights of the exhibition then and now.

To improve your office furniture sales, you must choose to participate in those trade shows and exhibitions which are especially popular and which attract a large number of exhibitors and visitors. Such office furniture trade shows can give you amazing opportunities to market your office furniture products to a significantly large number of people. Improved market visibility means higher prospects for your office furniture sales.

If you want your office furniture sales to be successful , you must carefully plan those actions required for before, during, and after the show You can arrange to have some pamphlets, brochures, and flyers printed for distribution to the trade show visitors. Give them your business cards and take down the contact details of those who show interest in your office furniture. Contact them right after the trade show to influence them further to buy from you.

Decorating your office furniture trade show booth attractively, distributing promotional gift items, and offering special for-show only discounts and offers, are some other means that will help improve your office furniture sales during the office furniture trade shows.

However, if you want professional advice and consultancy for improving your office furniture sales, you can visit jsacs.com It is the website of one of the best office furniture consultancy firms in the UK for office furniture dealers, office furniture distributors, manufacturing companies, designers, and wholesalers who want to grow their office furniture business.

Finding A Franchise Operating Partner

When people consider investing in a franchise opportunity, they often envision all the benefits of owning their own business. However, those early months of getting a franchise off the ground can be stressful and require long hours and some skills a franchisee may not have. In this case, it is often worthwhile to consider finding an operating partner.

Finding a franchising partner is not an easy task and should not be done with haste. Unit owners will want to engage a talented individual with skills that complement their own. For example, an owner fresh out of college should look for an individual with experience in the field, explains Franchising.com. But even those business veterans with 20-plus years of experience can benefit from a partner with a significant business background.

There are three strategies the Web site suggests franchisees consider when seeking an operating partner. First, unit owners should make sure any business individual they decide to team up with shares the same goals and objectives for the franchise unit. One way to get a feel for individuals’ motives is to ask prospective partners about their business and personal philosophies, the hours they are willing to work in the beginning stages and if they are interested in long-term growth.

An operational partner should also possess complementary skills – unit owners should not seek clones of themselves. To begin determining what attributes and experiences the franchise could benefit from, owners will need to take an honest look at their own skill set. The Web site suggests considering areas such as marketing, managing, finances/accounting, customer service and technology. However, franchisees should also examine their own personality type, demeanor and operating and managing style.

‘You’ll want to identify the areas where you are strongest and feel most confident. Now, look for a partner that can fill the gap in the places where you are not as strong. Working together, you’ll form a well-rounded management team,’ Franchising.com writes.

Finally, franchisees should look for partners with a good understanding of the local market, including people, places and other factors. Deep market knowledge can aid a franchise in everything from site selection to marketing. This is particularly important if a franchisee is relatively new to the area – someone with good local knowledge will be able to help the unit attract employees and customers as well as work with local vendors and suppliers.

Once a franchisee has found an operating partner, he or she should make sure to create boundaries and job responsibilities to avoid conflict and tension when business inevitably becomes stressful. One technique the Web site suggests is designating a third party to help make decisions when partners hit a logjam.

What Is The Role Of A Trade Union

Most people have heard of trade unions, especially when they appear in the news in connection with teachers’ strikes and such matters, but quite often people do not fully understand the purpose of a trade union, who they represent, and the possible benefits of belonging to a trade union. Do you have to join a trade union? Will you be penalised by your employer if you do? How can a trade union help you? This article seeks to address some of these questions and takes a brief look into the overall role of trade unions.

A trade union is a membership organisation that seeks to help and protect its members in the working environment. Although trade union representatives try to establish and maintain good working relationships with employers – and indeed between their members and those members’ employers – most trade unions are independent of any specific employer.

A trade union will seek to help its members in a whole manner of situations. They may negotiate favourable pay and working conditions for their members and discuss and advice on any big changes taking place in the working environment (such as mass redundancy). They will also talk over with their members any concerns they may have about their working environment and help them to find a solution, accompany them in disciplinary matters and at employment tribunals and provide them with legal and financial advice where needed.

Trade unions may also provide protection and representation for their members outside of the workplace. For example, they may try and place pressure on the government or public bodies to make changes which will benefit their members or may seek to promote their members’ rights and objectives in other ways.

By law, an employer cannot penalise an employee for deciding to join a trade union, deciding not to join a trade union, or deciding to leave a union of which they were previously a member. The decision is entirely up to the employee and they must not be made to feel any pressure about their decision by their employer.

In conclusion, many workers join a trade union because they believe they will be able to negotiate better pay and terms and conditions, they will have access to training for new skills, they feel confident that they will have somebody to turn to – who has their best interests in mind – who will be able to help them with any problems at work. They are also attracted by the prospect of lifelong legal and financial advice that will be made available to them. If you are interested in a joining a trade union you should look for information in your work handbook or contact the TUC for details of your local union.

Copyright (c) 2011 Robert Gray

What Are The Advantages Of Getting A Travel Franchise For Yourself

You must be aware of the franchise model that many businesses all over the world follow. The travel industry is no different. There are many companies who offer travel franchise to business owners who are looking to set up their own business without having to work on the initial business model and stuff like that. Owning a travel franchise can be a profitable thing for you. Here are the advantages of owning a travel franchise, especially if you are in India:

Getting a share of the pie- Travel industry in India is still at a very nascent stage. It is expected to grow at a stupendous rate. Therefore, having a travel franchise gives you an opportunity to get a share out of that stupendous growth. And that certainly translates to a fantastic business opportunity.

No teething problems- Starting a business can be a tough affair. You have to take care of the market research part, set up a profitable business model and do loads of hard work to establish a business. The same holds true for the travel industry as well. However, when you decide to own a travel franchise, what that essentially means is that you are getting to set up your own business without setting it up in literal terms. What I mean to say is- you get the business model and an established name without having to work hard.

Value for investment- To own a travel franchise, you of course have to invest some amount into it. However, investing in a travel franchise is a safe bet. The reason being that as said earlier, the travel industry is bound to grow and therefore, your travel franchise is bound to get business. Secondly, you get an established business to head, so you dont need to worry about marketing and other aspects. You just need to follow the guidelines of the parent company and you are done. It is as simple as that.

For the people with an entrepreneurial streak in them, getting a travel franchise for themselves is surely a smart way to move forward and one that will ensure good returns on their investment.

Increasing Success Of Franchise Young Fashion

The trend of taking franchises of famous and renowned brands and stores has been evolving since years. It has become a successful business. To own a franchise of an already established brand, makes it easier for you to run and establish your business, for you have already purchased a successful and developed name. And when it comes to the attraction of buying franchises, then you cannot ignore the name of franchise young fashion.

People, living across the globe are seeking affordable ways of getting franchise dossier, for they know that nothing can be more successful for them other than taking this franchise. The number of customers of this franchise made in Italy has been increasing by each passing day. You will see that each and every person knows about this name. The customers put their blind trust in the products, which they purchase from this store. The number of store of Young Fashion Outfitters is increasing in a successful way. More and more fashion houses and brands are interested in showcasing their products inside the stores of Young Fashion, for they know that the customers, who have got sense of stylizing and dressing steps inside these stores.

The clientele of YFO knows the importance of quality-oriented products. They have got class and taste. If you want to start off with your own business and are looking into different ideas, then you should stop wasting your time on considering over the business ideas that you have, but you should only take the decision of buying the franchise of Young Fashion, for it is going to be the best franchise opportunity that you can ever get. To buy a franchise of a renowned store is itself a big thing, for you get to run an already developing, established and famous business. It helps in decreasing a lot of other costs including advertising and marketing. Everybody knows well about the name and it become easy to take the business further on the path of success.

You must be thing that buying the franchise clubwear and streatwear would be itself an expensive thing, but it is good to put in huge investment initially, for you can reap fruitful results in the future. The demand for club and street wear has reached to the highest level. If you talk about the likeness of the youth, then selling street and club wear can be the most profitable business.