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The Small Business Administration estimates that 95% of all new small businesses close their doors within the first year. That doesn’t sound very encouraging. How would you like to start your own business that is almost 100% guaranteed to succeed? How would you like to sell at flea markets?

I am talking about starting an actual business, your own flea market and swap meet business, of course. It’s a very easy business to start compared to a brick and mortar business in a strip mall.

There is no long-term lease to sign, no long search for the right location, no large expense for fixtures and shelves, no utilities to pay for and no need to spend thousands of dollars before you open the doors and make your first dollar.

There are no employees, no employee payroll taxes and no workman’s comp to pay.

You can start a flea market business with a lot less financial risk and trouble. Most can be started with less than $1,000. I started mine with only $200 and have made as much as a thousand dollars in only one day.

This business is nothing more than a proprietorship owned and operated by just one or two people. It operates on a basic concept: buy merchandise at the lowest price and sell it for more than your cost.

Many vendors sell used items. The more successful vendors sell brand new merchandise, many times the same items you’ve seen on the shelves in K-Mart or Target.

Selling new items means you can always order more for next weekend. Not so with used items.

Selling is as easy as saying hello to someone when they walk up to your table. Be helpful and friendly and you will make money.

The majority of flea market vendors buy their merchandise from import companies who sell to them at wholesale prices. It is also possible to buy items on sale from retail stores and sell them at the flea market for more than your cost.

Arrive at the market early in the morning on Saturday, rent a space and set your merchandise on the table. Selling is as easy as just saying hello or good morning to people when they walk over to look at what you have.

Merchandise will be your largest expense, perhaps 90% of your investment. Space rent is minimal, as little as $5 a day to as much as $50-$75 a day. The average costs are usually around $25 per space per day.

It is quite easy to double and triple your money at flea markets and swap meets. Buying your merchandise at the lowest cost allows you to sell it for two to three times that cost and still keep your prices less than retail stores.

In the beginning, put all of the profit back into your business by buying as much merchandise as you can afford for the next weekend. After doing so for a month or two, you will be able to begin keeping the profit for yourself without hurting your business. It will become self-sustaining.

You will discover that a flea market or swap meet business is easy and affordable to establish, easy to operate and can provide you a good steady income each weekend.

Copyright 2008 by Allen Farlow. All rights reserved.

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Property taxes are a substantial expense for Texas homeowners, averaging about $3,600 annually. To reduce this expense, property owners should annually review and consider appealing property taxes. While there is no guarantee that an appeal will be successful, a recent survey conducted by O’Connor & Associates indicates that 70% of property tax appeals are successful.

Since the mortgage company typically disperses payments, property taxes tend to be a stealth tax. Although the homeowner writes a check, including taxes and insurance monthly, the property tax component is not evident. The property tax component can become quite evident when the homeowner is asked to fund a deficit in the escrow account.

Although 70% of property tax appeals are successful, only 7% of homeowners appeal each year. Research indicates five primary reasons homeowners do not appeal:

1. The process seems overwhelming and they do not know how to appeal,

2. They do not think an appeal is likely to be successful,

3. They think their home’s assessed value is below market value and there is no basis for appealing,

4. They do not understand they can appeal on unequal appraisal,

5. They are busy and do not want to set aside time, given the presumption that “you can’t fight city hall”.

Why appeal?

Consider an appeal for a $150,000 house where the property taxes are reduced by 5%. This would reduce the assessed value by $7,500 and the property taxes by $225, based on a 3% tax rate. Since the typical appeal hearing takes less than an hour, these are meaningful savings for the time involved. Regularly appealing your property taxes will minimize the value, so you are assessed for less than most of your neighbors. Most of the property tax appeals are resolved at the informal hearing, which is the first step in the process.

How to appeal

The first step to appealing annually is to send a written notice to the appraisal review board (ARB) for the county in which your home is located. Even if you have not received a notice of assessed value from the appraisal district, file a notice of appeal by May 31st for the following reasons:

1. The notice of assessed value can get lost in the mail,

2. A notice of assessed value is not necessary unless your assessed value increases by $1,000, and

3. You should appeal annually

You can file a notice of appeal by utilizing the Comptroller’s form available at http://www.cutmytaxes.com or by sending a letter to the ARB. The letter to the ARB simply needs to identify the property being appealed and the basis for your appeal. You should always appeal on both market value and unequal appraisal. Since the appraisal district staff is extremely busy during late May and early June, sending any data on the value of your property tax is probably a waste of time. At the same time you send your notice of appeal to the ARB, send a “House Bill 201″ request to the chief appraiser at the appraisal district. The House Bill 201 request will provide you a volume of information at a modest price.

Reasons for obtaining House Bill 201 information

Since most homeowners are not familiar with House Bill 201, you may be wondering what it is and when it became available. House Bill 201 is the term used by property tax consultants to describe provision 41.461 of the Texas Property Tax Code. This section reads as follows:

“at least 14 days before hearing on a protest, the chief appraiser shall: … inform the property owner that the owner or the agent of the owner may inspect and may obtain a copy of the data, schedules, formulas, and all other information the chief appraiser plans to introduce at the hearing to establish any matter at issue.”

The property tax code further provides the chief appraiser the right to charge up to $15 for each residence, and up to $25 for each commercial property owner for this information. However, there are limits on the cost per page an appraisal district can charge. Practically speaking, the maximum charge is $1 to $2 for a residence. In Harris County, most homeowners can print this information from the appraisal district’s web site once an appeal has been filed using the “I file” system.

This section of the tax code was added in 1991, but many appraisal districts have attempted to ignore this section of the property tax code for years and some still do. After discussing this section of the Texas Property Tax Code on a radio show in 2005, several listeners called back a week or two later to report certain appraisal districts were claiming to be unaware of this section. When O’Connor & Associates sent House Bill 201 requests to appraisal districts in 2005, some called us and said “what do you mean you want our information, we plan to use your information at the hearing to prove our value.” While these examples seem quaint and cute, it is surprising that 15 years after taxpayer friendly legislation has been passed, that appraisal districts are still ignoring property owners and tax consultants who ask for this information.

There are at least seven reasons to utilize House Bill 201 to obtain the information the appraisal district will use at the hearing:

1. It is an effective way to obtain information regarding both market value and unequal appraisal for your property tax appeal,

2. You will receive the appraisal district’s information regarding the size, condition and other qualitative and quantitative data for your house,

3. The information can be obtained for a nominal cost,

4. It is helpful to know what information your adversary will be able to use at the hearing,

5. Making the request limits what information the appraisal district can present at the hearing. If you do not request their information prior to the hearing, they can use any information available to them at the hearing. However, if you request the appraisal district information using a House Bill 201 request, they may only use information previously provided to you,

6. If they do not provide you information on market value or unequal appraisal in the House Bill 201 request, you win by default at the ARB hearing, and

7. In many cases, the appraisal district House Bill 201 information clearly supports a lower value.

Preparing for the hearing

When you receive the appraisal district House Bill 201 information, start by reviewing the appraisal district’s description of your home and ask yourself these questions:

1. Is the year built accurate?

2. Are the qualities and amenities accurate?

If the appraisal district overstates either the quantity or quality of improvements to your property, this is an excellent means to reduce your property taxes both for the current year and subsequent years.

Filing a 2525c Appeal

If the appraisal district has overstated the size of your house by more than 5% to 10%, even if you did not file a property tax appeal in prior years, you should consider filing a 2525c appeal. This will allow you to reduce the assessed value of your property for the current year and for prior years.

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Web based time tracking solutions are the best new age solutions for streamlining organizational processes especially those related to time tracking for billing. Most web based tracking software’s are available with basic time collection features and various reporting functionalities. The main functionalities of a time tracking software solution includes tracking and reporting, project as well as task management, and user schedule.

The salient point of using web based time tracking solutions is that you can get summarized and detailed reports on the following:

o Time expenses created based on billable as well as non-billable tasks

o Time expenses created depending on the type of billing

o Tracking the total time spent by each of the employees

o Tracking the total time spent on each of the clients

o A summary of daily overtime as reported by any of the users

Billing reports in web based time tracking solutions can be created based on day/month, set of completed tasks, clients, and even employees. Reports can be created for billable as well as non-billable tasks and will be different for different customers. The reports can also vary depending on the type of projects or tasks. A top of the line web based time tracking software will be able to filter the non-billable tasks within billing reports and ensure that they are not included into the actual invoice data export. The software solution for tracking time can also help in assigning billing type to each of the billable tasks. Using the software, you can customize the type of billing in accordance to your current accounting system.

Another important aspect of the web based time tracking solutions is that it can help you to calculate overtime as well as under-time and also create reports based on facts. Most often than not the value of overtime or under-time is calculated based user wise and it totals as the difference between what you report as time expense for a particular day and the duration of a workday specified for the user in question. Normally negative values are considered as under-time. This value determines the fact that a particular user has reported less time expense vis-à-vis actual time expenses. On the other hand, positive values are considered as overtime. This basically means that a user has reported more time expenses vis-à-vis what the user was supposed to deliver on a particular day.

Web based time tracking solutions can provide a simple and clear way for their users when it comes to calculating overtime or under-time values and collect these values to enhance analysis and future reporting. Some of the top time tracking solutions not only offer tracking and billing but also help in optimizing overall team or organizational productivity. Basically, when you are tracking time and billed hours of each employee then you will be able to identify the employees whose billable hours are higher or lower. Accordingly, you can define parameters so that each employee gives as many billable hours required or more. This will help in streamlining organizational process.

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Business Literacy, Business Acumen, Financial Literacy

Any of the above terms can substitute for the other and generally describe a comfort level and familiarity with the business aspects of an enterprise. When the term “business” is used, it refers to those components of the organization that are commonly measured in a currency or describe the market in which the organization exists. The most usual parts of the business measured are its income, expenses, value, debt, ownership, and cash. While there are often word descriptions attached to each of these, it is the numbers that tell the story.

Income and expenses are reported on the P & L or Profit and Loss report. Income is the money the flows into the organization and can emanate from one source or many. Income can be reported by its source, often categorized by product or service, geographically, or by customer. However it is reported or in whatever detail, it is summarized by the term Revenue.

Expenses are usually divided into two major categories. The first is referred to as cost; this can be cost of goods sold (COGS) or cost of sales (COS). This first type of expense is related to the manufacturing or the service delivery process and all of the raw materials required. The second type of expense is referred to as general and administrative and refers to those costs that are not directly related to the sale of a product. In other words, these costs would likely exist even if we didn’t have a sale in the current period. These items include executive salaries, office rent, insurance, advertising, marketing, property tax, interest payments, tax, etc.

The P & L is also called Operating Statement, Statement of Operations, or Income Statement. In general it measures the profitability of the entity. If we add up all of the Revenue and subtract all of the Expenses, we are left with Net Profit (or Net Loss if it is a negative number). In the not-for-profit world, this is called a Surplus (or deficit).

Value, debt and ownership, are described in another document called the Balance Sheet. This is the “picture” of what the enterprise looks like at a particular date, much like what the day looks like at the moment a photograph is snapped. The first part of the Balance sheet shows the assets, or all the items of value, both tangible and intangible. These include cash, money owed to the organization, inventory of raw materials and finished goods, patents, furniture, equipment, etc. These assets are usually things we have used our cash to acquire or will eventually change to become cash. The other part of the Balance Sheets describes how we got all the “stuff” or assets. The two major ways we get assets is by borrowing money or raising it through investors.

Cash is the oxygen of the organization. Without cash, the organization dies just as is true for an organism deprived of air. The cash flow statement illustrates how cash moved in and out of the enterprise over a period of time.

The market is a description of who is buying the organization’s products or using its services. This can be described in many ways such as consumer or product categories, geographic strata or any other way that may be helpful to the organization or its stakeholders.

In summary, Business Acumen or Financial Literacy is the understanding of what these reports are and what decisions or circumstances affect them.

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The Question of Home Improvement Deductions

Every homeowner is looking for ways to reduce the amount of money paid to the government as taxes, so home improvement tax deductions have generated a lot of discussion among both those who own homes and those who prepare tax returns for them. Law change with some regularity so the homeowner cannot always be sure that home improvement deductions can be applied to their situation.

While taking a home improvement deduction seems to be a great goal, the truth is that home renovation and remodeling should be undertaken because it will increase the home’s value and also improve the family’s enjoyment of their home. A tax break should not be the primary reason for making improvements to the home.

In general, many home improvements will not have immediate tax benefits. But in the long term, significant renovations made to the family home will add enough market value to make the improvement a solid investment. This is really the major way that home improvements will work in favor of the homeowner.

Yet, a bit of research and some well-placed questions can uncover some situations in which deductions are possible. If home improvements are made for medical reasons or to improve conditions for someone with physical limitations, tax deductions may be possible.

If a family member is physically limited to the point that a larger bathroom is needed, or a completely new bathroom is called for, the costs may qualify for tax deduction. The same idea can work for a larger sleeping room, stair case modifications or other reasons. But it is always best to make sure by talking with a tax expert and doing some research. Medical expense, in many cases, is a primary reason for seeking tax deductions for home improvement costs.

According to some regulations, if a homeowner pays out more than seven percent of income for expenses related to medical necessities, the amount can be deducted from taxes. This amount can certainly be reached with significant home improvements. But it is always best to do some research and talk with a tax expert, rather than assume that home improvement costs qualify for tax deductions.

Home improvements made for business reasons may also qualify under current tax regulations. For example, if it is necessary to add a room for a work area or office, or to add a bathroom for the convenience of customers or clients, the costs of these home improvements may qualify under current tax regulations. Expenses from a home business are generally accepted as tax deductions, so it is quite possible that remodeling expenses incurred strictly for business reasons may be too. This could include equipment purchased such as a cordless air compressor. Again, it would be wise not to assume this when planning home renovation.

Good records should always be kept so that necessary receipts accompany the tax report. Only with good documentation can a tax specialist determine which expenses qualify. The bottom line, though, may be this: Make home improvements because the family wants and needs the changes, or because those improvements are necessary for a home business, for example. Major home improvements should not be made just to benefit from a tax deduction.

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The letters CPA mean a Certified Public Accountant to the professional business world. They also mean that a person has received a very broad-based education, has passed all parts of the CPA exam, and has the knowledge, skills and abilities to be a trusted business advisor to clients or employer. But what must one do in actuality to become a CPA?

A person must have keen interest in accounting, finances and business. The person must possess skills like problem solving, analytical and research skills, personal skills and strong communication skills, including the ability to be a good listener. When these interests and skills have been identified, they must be channeled through the right kind of education to produce a good CPA. The normal course of a CPA’s education takes a minimum of 150 hours from a reputed and trusted university or an organization. Education is important, as it directs a person with all the necessary skills to achieve in-depth knowledge of accounting, the legal and governmental aspects of it, taxation, as well as business maneuvering. This education is also important because it gives the person an insight and detailed training on the use of the latest accounting software and the latest CPA technology.

It is after education that the CPA exam comes in the picture. It is important that the person meets all standards of the exam, and fares well by proving a clear and obvious knack for accounting and business. The exam is uniform and state driven, and the board of examiners of the American Institute of Certified Public Accountants (AICPA) is responsible for preparation and gradation. This examination is the deciding factor whether the examinee will become a CPA.

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The educator expense deduction allows qualifying teachers and educators to deduct up to $250 in teaching expenses for which they have not been reimbursed. To qualify, you must have worked 900 hours in a school that teaches kindergarten through twelfth grade education as a teacher, counselor, aide, principal, etc.

If you and your spouse both work in education meeting the above qualifications, you can claim a combined total of $500 in deductions. Just remember that the deductions are per individual. In other words, if your spouse spent $400 on qualified expenses and you spent $50, your combined maximum total deduction would be for $300, not $500.

In addition to classroom supplies, you can also deduct for other education related expenses, such as subscriptions to academic journals, union dues, and gas expenditures for field trips.

These are above-the-line deductions. It means that you can claim these deductions even if you do not itemize deductions on your income tax return. As well, above-the-line deductions are not subject to phase outs based on income levels and are deductions from your gross income rather than your Adjusted Gross Income.

Like all IRS deductions, it is important that you retain all your receipts associated with the Educator Expense Deduction. In the event that you are asked to prove your expenditures, these records should be kept easily at hand. You might also want to keep a running tab as to how much you have spent on items for which you will not be reimbursed, so you know exactly where your deduction stands at various times throughout the year. This should help you not to spend too much. It is easy to get excited about a $250 deduction that may benefit both you and your students. It is equally as easy to spend $250 quickly and not be able to deduct any more expenses for the rest of the year.

Although the federal government limits your deduction to $250, there are many states and municipalities with similar incentives for educators, be sure to talk with your tax expert or State Department of Revenue to find out if there are additional incentives available in your jurisdiction.

As a friendly reminder to teachers and educators, any part time work in which you engage outside of the school year represents taxable income. So, if you pick up extra money tutoring, working at a learning center, or painting houses in the summer, you need to report the earnings to the IRS.

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Many homeowners are asking this question. Concrete driveways last forever, but they are not necessarily the most attractive option. Sometimes the concrete gets stained and cracked and a homeowner sees laying brick pavers over the existing concrete the perfect option to improve the looks of the walkway, patio or driveway. Before contacting a pavers contractor for such a brick installation there are a few things that you should know.

The stability of any brick installation depends on several things. There are three forces that are in play, vertical, horizontal and rotational. All directions must be stable and secure for a brick installation to last. A reputable pavers contractor will be aware of this and take it into consideration with any new installation project he undertakes.

The difficultly with laying a one inch brick paver over an existing concrete area is that you cannot guarantee the stability of the subsurface. A crack in the concrete, a slight slopped area and the fact that the concrete does not have the resilience of the normal base used by a pavers contractor is all a set up for failure of the finished surface. It will be just a matter of time before the pavers break.

The correct way to install brick pavers is to remove the existing concrete before installing the new brick surface. You may think you are finding a less expensive option by placing the brick on top of the concrete but the results will likely be more costly. The expense of buying the brick pavers and the brick installation will be entirely lost when they begin to crack and the driveway or walkway starts to disintegrate.

The result will then be the costly removal of the brick and the driveway. Thought removing the concrete may be more costly initially than laying the brick pavers on top, in the end you will be saving money by doing the job properly to start with.

When you discuss this option with a pavers contractor, a reputable contractor will let you know that placing one inch brick pavers on top of an existing concrete surface is not advisable. The Interlocking Concrete Pavement Institute (www.ICPI.org) recommends that the concrete be removed and a foundation of road rock be set in prior to laying the concrete brick pavers. You can find more information on their website.

There are less than reputable brick pavers contractors that will tell you otherwise. If they do, you may wish to report them to the ICPI as they are misleading the public with regard to the proper installation of brick pavers. Consumers often depend on professional contractors to make decisions regarding their home improvement projects as they assume they are experts. Not all are. Being forewarned is being forearmed when dealing with any construction contractor.

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In this annuity marketing report it will be outline the difference between companies primarily selling annuities, and those selling annuities along with financial life product. The study also probes annuity marketing share possibility and probability. See why even though there are so many annuity marketing distributors, no one can control the market.

ANNUITY MARKETING STUDY REPORT OF DISTRIBUTION

Annuity marketing is often performed by Life Insurance Company Regional Directors, Independent Marketing Organizations, or Annuity Wholesalers. Independent Marketing Organizations, frequently know as an IMO. They may do business as a direct one company operation, or be independently representing many annuity/life insurance companies. In many states, my report reveals 350 – 500 total active annuity marketing competitors.  However, when carefully analyzed, the marketing study reveals that the overwhelming market share  is the result of usually only about 30 annuity marketing firms and another 15 to 20 Multi-Financial companies.

WHAT MULTI-FINANCIAL COMPANIES ARE

An Insurance Company is considered “Multi-Financial” when a decent bite of total business comes from non-annuity areas such as universal life, survivorship life, second to die, etc. One multi-financial company is currently commanding an exceptional high penetration. market share. The company’s own regional brokerage managers have outperformed similar competitors. Their contracting of brokers rises above exceptional levels. In California over 9,000 “active” brokers are under their contract, almost 1/6th of total life brokers in the entire state. Very impressive, but contracting by itself means nothing. Do even 50% of their brokers actually produce applications for them?

SUCCESS IS ONLY STATE BY STATE

In annuity marketing, NO one company is consistently, state by state at the top. For example, examine California. The leading carrier based on total annuity brokers contracted, claims possession of nearly 4,800 annuity brokers out of slightly over 30,000 annuity agents statewide. This equates to 18%. This same company r drops to ranking 5th overall in both Texas and Florida.

ANNUITY MARKETING SHARE

Attempting to reach 20% of the total annuity broker infiltration penetration is a feat to accomplish and then maintain. Any Insurance Company recruiting one of five brokers in a state is a major kingpin. You have 50 insurance companies and at least as many independent marketing organizations vying for annuity production. All are gunning for the same limited number of brokers that write annuities. Competition in the lucrative annuity field comes with a capital “C”. It is essential to know (1) total annuity brokers and (2) true amount of competing companies and independent marketing organizations in your territory.

HOW LOYAL ARE ANNUITY BROKERS?

Not very! 50% of the agents broker with one annuity carrier. 30% of annuity brokers represent multiple annuity and multi-financial carriers. 15% of brokers writing annuities, are contracted by 6 or more annuity companies and multi-financial carriers. Of the 260,000 annuity brokers nationwide, a small bunch of notorious agents contract with everyone, yet produce for none.

SHARING SOME ANNUITY MARKETING TIPS

Do not only target brokers licensed with the top couple annuity carriers (competitors) in your territory? Targeting just a few and you miss many. Remember the top producers are spread out among 50 carriers. Certainly it is no sin for an annuity marketing organization to direct your recruiting efforts solely toward ALL agents already brokering annuity business. This should become your one and only market plan. The ultimate realization should be (1) the size of the pond is very limited, (2) with skill you can still catch big fish, and (3) keep a very wary eye out for the other recruiters working to snag your big fish producers!

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It often seems that everywhere you turn the latest economic report shows weakening: higher home foreclosure rates, a teetering financial system, government bailouts, lower gross domestic product, the list goes on and on.

However, a new report focused on digital signage shows robust growth in the number of displays sold in 2008 for use as digital signs and predicts that while the market may hit a rough spot next year, significant growth will return in 2010 and beyond.

Despite an economic cold wind this year, the digital signage market has remained strong and is due to grow with 1.1 million new displays being put to use in signage applications, a 34 percent increase in display unit growth from last year, according to the study from MultiMedia Intelligence.

The Scottsdale, AZ,-based market research firm forecasts that by 2012 the digital signage market will account for the use of nearly 2.3 million digital displays. The report, “Network Digital Signage: Infrastructure, Displays, Software and Technology,” contends the effects of the global economic downturn will sap the growth in new digital signage hardware deployments next year, but will resume a robust growth rate in 2010, turning in a double-digit increase.

While the report and the general economy point to tougher times next year, this should not be a signal for marketers to panic. Rather, times like these demand re-evaluation of marketing strategies, tactics and budgets because it’s likely that old communications methods will no longer the right solution for today’s economic reality.

Digital signage is likely to fare much better than traditional media during this re-examination for three reasons. First, digital signage gives marketers the opportunity to reach consumers at or very near the point of sale. When and where shoppers are most likely to make a purchasing decision, digital signage can be there to influence the buying decision. That fact alone makes digital signage an attractive alternative to traditional media.

Second, digital signage can reduce expense and increase market responsiveness. Rather than making recurring purchases of printing services, digital signs can be updated with a few keystrokes. A closely related, added benefit is that by relying on digital signage rather than print, marketers can be far more responsive to changing consumer desires and tap into those trends long before it would be possible to print, distribute and display a traditional sign.

Third, a slowing economy is likely to make digital signage systems and networks less expensive to deploy. If consumers pull back on spending next year, display manufacturers that have been ramping up capacity to anticipated strong consumer demand for high definition televisions may find themselves exposed with excess capacity and product. Responding with lower unit prices will make deploying flat panels in digital signage applications less expensive.

For marketers facing a downturn in the economy, digital signage offers an opportunity to be more effective with their messaging -reaching shoppers where they make their purchases-and with their media budgets. A contracting economy should concentrate the minds and efforts of marketers on how they achieve their communications goals with limited resources, and there’s no better way to that than with digital signage.

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