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Month: May 2015

The Importance of Hiring Professional Janitorial Services

The Importance of Hiring Professional Janitorial Services

Cleanliness is one of the things you should consider when maintaining an office. You will be satisfied by its look and hygiene if you clean it properly. However, if your office is too big for you to clean, it will take so much time and energy to finish one cleaning service only. Therefore, you can use janitorial services that cover a whole range of cleaning services. Janitorial services will give you the best services from floor sweeping, bathroom cleaning, kitchen detailing, window and blind cleaning, carpet vacuuming, trash disposal, carpet and sofa cleaning, and many other cleaning services. If you are going to hire janitorial services for your office, you have to make sure they are qualified enough. Here are some tips you can think of.

If you have bigger business, you can prefer to contract cleaning services for quite amount of time. This is will be easier because it has low cleaning requirements. If your business is smaller, then you can opt for weekly or monthly cleaning contract. This is because you only have small area with limited staff, your office don’t need permanent cleaning staff to do it. There are many janitorial services that offer you this kind of option like office janitorial services in Oklahoma City, you don’t need to worry to get in trouble to find them.

There are some part of cleaning you can’t take for granted, you need professional services to clean some specific area. For example carpet cleaning that can be damaged by improper cleaning. It’s better to put some money to hire qualified janitorial services to do the job. The biggest benefit you will get by hiring professional janitorial services is because these people are specialized and have experience of cleaning and treating your office in detailed manner.

Small Business Ideas – How to Find the Perfect Business for You to Start

Small Business Ideas – How to Find the Perfect Business for You to Start

It is a well known fact that people are consistently more successful in their business endeavors when they enjoy what they do. This enjoyment can come from many aspects of the business. Perhaps the business owner likes working with the products he sells. Maybe he enjoys having the freedom to make quick decisions. Often times simply the business environment or atmosphere plays a key role in positively driving business enjoyment. Regardless of the reasons, the first and most important step in finding a business to start is figuring out what it truly is that you want to get out of your business.

To start, set aside an hour or two of time where you can do some serious, uninterrupted thinking. The goal and outcome of this mental jam session are to define a list of desired criteria for your business. In other words, how do you want to define the nature of your business? Note that your business criteria are not the same thing as your business! Rather, your business criteria will help you filter business ideas to determine the best one for you to start.

To help walk through the process, assume that Samantha is thinking of starting her own small business. Samantha is in her mid-20’s and has always dreamed of starting her own company. She struggles, however, with finding a business idea that really excites her. Using the process outlined in this article, Samantha first sets aside some personal time where she will define the criteria for her ideal business. While your criteria should include 15-20 items, we will narrow Samantha’s list to five. Here is her criteria list:

“I want my business to be involved with children”

“In my business, I want to work outdoors.”

“I want to start my business with less than $5,000.”

“I want to run my business out of my apartment”

“I want my business to be service-oriented”

Once you have established your own set of criteria, the next step is to prioritize each item. Priority values should be high, medium and low. These priorities correspond to how relatively important each criteria is to you. Your initial inclination may likely be to rank all of the items with a “high” priority. Unfortunately this approach will not help you when it comes time to narrow down business ideas. Your goal should be to have approximately 30% high priority items, 50% medium priority items and 20% low priority items. We will now revisit Samantha and her example. After thinking carefully about her priorities and interests, Samantha segmented her business criteria into the following brackets:

High Priority

“I want to start my business with less than $5,000”

“I want to run my business out of my apartment.”

Medium Priority

“I want my business to be service-oriented.”

“I want my business to be involved with children.”

Low Priority

“In my business, I want to work outdoors.”

Priorities are crucial for this process since they are used to score and rank potential business ideas. While you can certainly apply your own scoring values to the priorities, the following values are good guidelines:

High Priority = 10 points

Medium Priority = 5 points

Low Priority = 1 point

The final step in the process is to list out and rank all business ideas that interest you. The priorities you just defined are used to score and rank the business ideas. Going back to Samantha’s example, she has identified the following business ideas that pique her interest:

Daycare operations

Swim lessons

Limousine service

Graphic artist

Public relations

Samantha applies her criteria to each business idea and then scores accordingly. She uses the priorities and scoring values she defined above. A zero value indicates that the business idea does not meet a certain criteria.

Day care operations (0 + 0 + 5 + 0 + 0) = 5 points

Swim lessons (10 + 10 + 5 + 5 + 1) = 31 points

Limousine service (0 + 10 + 5 + 0 + 1) = 16 points

Graphic artist (10 + 10 + 5 + 0 + 0) = 25 points

Public relations (10 + 10 + 5 + 0 + 0) = 25 points

To help clarify the scoring, take the Graphic Artist business idea as an example.

Can I start this business with less than $5,000? Yes, +10 points

Can I run this business out of my apartment? Yes, +10 points

Is this business service oriented? Yes, +5 points

Is this business involved with children? No, +0 points

Do I work outdoors in this business? No, +0 points

As you can see from the scoring above, Samantha’s best business bet based on her criteria and priorities is Swim Lessons (31 points). While this may very well not be the exact business she chooses to start, she can certainly identify other business ideas that are similar in nature to those that scored highly.

The process outlined above provides a logical, repeatable and customizable process for evaluating potential business ideas. Applying unique business criteria and priorities, prospective business owners can use this process to come up with business ideas that best fit their personal and professional preferences and goals.

Lender, Can You Spare A Dime?

Lender, Can You Spare A Dime?

Antonio J. Miller

In the tough world of living from pay check to pay check, sometimes there just isn’t enough money to make it until the next one. Sometimes, even the most responsible, hardworking individual can’t stretch their money any further. Without a major credit card and since it is hard to save with rising costs everywhere, the need might arise for an emergency funding source.

What Exactly Does This Service Provide?

Many borrowers have their credit checked to determine their worthiness. For example, when you purchase a home, you put the house itself as collateral. If you fail to pay for the home, it can be taken away from you. This type of secured borrowing is common in many situations. In the world of credit cards, penalties are often given to those who make payments late and in some cases, their interest rates can be raised or their credit limits lowered.

In the case of payday loans, an unsecured, short-term borrowing situation is created where the interest rate can be extremely high. In some cases, the interest due can exceed well over 1000%. There are some who claim that this type of lending is predatory and takes advantage of those who have lower incomes and less access to more conventional types of credit. This has been widely debated in many countries. Some countries have introduced legislation to ban the extremely high-interest rates and make the practice more affordable. This has been met with intense backlash from those in the industry desiring to keep their profit margins.

By obtaining one of these loans, one can expect to be approved, but the promise of the money returned with a high-interest rate is also expected. For people living in a fixed or lower income, this can create hardship, making it difficult to pay back the interest while still maintaining the same bills that need to be paid when the money comes in. This can lead to a high risk of default by the borrower.

How Can I Protect Myself?

One of the best ways to make sure that you can handle the interest and payments is to read all of the fine print associated with your transaction. While sometimes the urgency of needing money can make one just want to sign and get on your way, like any contract you should take the time to read the fine print and ask about anything you’re unsure of. Making sure there are no hidden fees or other items in the document before signing is always the best decision. Even though it’s unsecured, it is still a loan.

If you find yourself unable to make the payment, it’s best not to wait until you get deeper into debt. Visit the lender and discuss your situation with them. Do your best to make the payments on time and once you have completed the terms of the agreement, make sure to get that in writing so you can keep a copy for your records. With any financial transaction, knowing what you are getting involved in and being informed is the best way to handle the situation.