You shall make sure that you have enough knowledge about the new venture that you are going to start. You also shall do some ground work and find out the pros and cons of that business. Observing the people doing the same business can give you some good insights about the business.

Home based businesses not only give you extra income but also some extra tax benefits. To get these advantages you shall properly structure your business according to the existing laws and income tax rules.

You can try solo partnership for the home based business. It will give you some advantages. In this case you need not pay income tax twice that is both on the personal income and on the business. There is no need to hold meetings with share holders and board members. As you are the solo owner of the business and not employed any one in the job, you can file the income tax with your regular social security number.

The loss you got in the home based business in the first or two years can also give you the advantage of saving your tax. Solo partnership is the simplest way of organizing a business. If the loss occurred in the first year is more than your income, you can pass on this loss to the second year to get the tax exemption. It has certain advantages like:

1. You can claim a 60 % exemption on the medical insurance premium when it is paid from your bank account.
2. Being a business owner you can enjoy all the profits you got in the business.
3. The structure is simple, less paper work and less number of tax forms to fill.
4. Maintenance is quite easy.
5. Passing ownership is a simple process.
6. You can promote business with friends and family members with a personal touch.

The serious disadvantage is your liability. Being the solo business owner you are responsible for every thing that happens in the business and need to face the liability consequences. This you need to take care and shall take enough measures to cover. If there are employees in your business, you are liable for their behaviour and it is better to have some partnership and a business structure.

Let’s get right down to this! Every dealership has a finance and insurance department. This department is a huge profit center in any dealership. In some cases, it earns more money than the sale of the automobile itself. Profits are made from many things that most buyers do not understand.

You as a consumer should understand the “flow” of the sales process to understand the profit centers that are ahead of you. Most negotiating from the consumer seems to stop after the original price is negotiated and agreed upon. Let’s examine just a small portion of what leads up to that point.

The first thing that every consumer should understand is that when you go to a dealership several things come into play. One of the most important things that I could point out to you is that you are dealing with a business that has been trained to get the most amount of money from you as they can. They are trained and they practice these tactics everyday, day after day, week after week, month after month, and year after year. Let me point out a couple of important facts that I have said in this paragraph. First, you’ll notice that I said a dealership and not a salesman and secondly, I emphasized times of day after day, week after week, etc. etc. This was done to let you know that the salesman is working very closely with the sales managers in order to make as much money as he can. Your interests are really not their objective in most cases.

One tactic that is used heavily in the business is that the salesman says he is new to the business. This may be true or not, however; keep in mind that he does not work alone. He is working with store management, who gives him advice on what to say and when to say it. These guys or gals are very well trained on how to overcome every objection that you may have to buying from them. They have been trained in the psychology of the buyer and how to tell what your “hot buttons” are. They listen to things in your conversation that you may say to one another as well as to the salesman. They are trained to tell their desk managers everything that you say and then the desk manager is trained to tell the salesman exactly what and how to answer you. A seasoned salesman does not need as much advice from his desk and may negotiate a little more with you directly without going back and forth.

The process of negotiation begins the moment that you walk into the front door or step foot out of your car and begin to look at vehicles. Different stores display inventory in different ways. This is done for crowd control or more commonly known as “up control”. Control is the first step in negotiating with a customer. Ever who asks the questions controls the situation. Let me give you an example: A salesman walks up to you and says “Welcome to ABC motors, my name is Joe, and what is yours?” The salesman has just asked the first question- you answer “My name is George.” He then asks you what you are looking for today, or; the famous “Can I help You?” As you can see, step after step, question after question, he leads you down a path that he is trained to do.

Many times a well trained salesperson will not answer your questions directly. In some cases, they only respond to questions with other questions in order to avert the loss of control. An example of this could be something like you asking the salesman if he has this same car with an automatic rather than a stick shift. Two responses could come back to you. One would be yes or no, the other could very well be something along the lines of: ‘don’t you know how to drive a stick shift?” In the second response the salesman gained more information from you in order to close you. Closing means to overcome every objection and give your customer no way out other than where do I sign. The art of selling truly is a science of well scripted roll playing and rehearsal.

We have established that the negotiating process begins with a series of questions. These questions serve as two main elements of the sales process. First and foremost is to establish rapport and control. The more information that you are willing to share with you salesman in the first few minutes gives him a greater control of the sales process. He has gathered mental notes on our ability to purchase such as whether you have a trade in or not, if you have a down payment, how much can you afford, are you the only decision maker (is there a spouse?), how is your credit, or do you have a payoff on your trade in? These are one of many pieces of information that they collect immediately. Secondly, this information is used to begin a conversation with store management about who the salesman is with, what are they looking for, and what is their ability to purchase. Generally, a sales manager then directs the sales process from his seat in the “tower”. A seat that generally overlooks the sales floor or the sales lot. He is kind of like a conductor of an orchestra, seeing all, and hearing all.

I cannot describe the entire sales process with you as this varies from dealer to dealer, however; the basic principals of the sale do not vary too much. Most dealerships get started after a demo or test drive. Usually a salesman gets a sheet of paper out that is called a four square. The four square is normally used to find the customer’s “hot points”. The four corners of the sheet have the following items addressed, not necessarily in this order. Number one is sales price, number two is trade value, number three is down payment, and number four is monthly payments. The idea here is to reduce three out of the four items and focus on YOUR hot button. Every person settles in on something different. The idea for the salesman is to get you to focus and commit to one or two of the hot buttons without even addressing the other two or three items. When you do settle in on one of the items on the four square, the process of closing you becomes much easier.

One thing to keep in mind is that all four items are usually negotiable and are usually submitted to you the first time in a manner as to maximize the profit that the dealer earns on the deal. Usually the MSRP is listed unless there is a sales price that is advertised (in may cases the vehicle is advertised, but; you are not aware). The trade value is usually first submitted to you as wholesale value. Most dealers request 25-33% down payment. Most monthly payments are inflated using maximum rate. What this all boils down to is that the price is usually always negotiable, the trade in is definitely negotiable, the down payment may be what you choose, and the monthly payment and interest rates are most certainly negotiable. If you do your homework prior to a dealership visit you can go into the negotiation process better armed. You still need to keep two things in mind through this process. The first item is that you are dealing with a sales TEAM that is usually highly skilled and money motivated. The more you pay the more they earn. The second item to remember is that you may have done your homework and think that you are getting a great deal and the dealer is still making a lot of money. The latter part of this statement goes back to the fact that it is essential for a dealer to make a “fair” profit in order to serve you better.

Once your negotiations are somewhat settled, you are then taken to the business or finance department to finalize your paperwork. Keep in mind that this too is another negotiating process. In fact, the finance manager is usually one of the top trained sales associates that definitely knows all the ins and outs of maximizing the dealerships profit. It is in the finance department that many dealers actually earn more than they earned by selling the car, boat, RV, or other large ticket item to you. We will break these profit centers down for you and enlighten you as to how the process usually works. Remember that finance people are more often than not a superior skilled negotiator that is still representing the dealership. It may seem that he or she has your best interests at heart, but; they are still profit centered.

The real problem with finance departments are that the average consumer has just put his or her guard down. They have just negotiated hard for what is assumed to be a good deal. They have taken this deal at full faced value and assume that all negotiations are done. The average consumer doesn’t even have an understanding of finances or how the finance department functions. The average consumer nearly “lays down” for anything that the finance manager says. The interest rate is one of the largest profit centers in the finance department. For example, the dealership buys the interest rate from the bank the same way that he buys the car from the manufacturer. He may only have to pay 6% to the bank for a $25,000 loan. He can then charge you 8% for that same $25,000. The dealer is paid on the difference. If this is a five year loan that amount could very well be $2,000. So the dealer makes an additional $2,000 profit on the sale when the bank funds the loan. This is called a rate spread or “reserves”. In mortgages, this is disclosed at time of closing on the HUD-1 statement as Yield Spread Premium. This may also be disclosed on the Good Faith Estimate or GFE. You can see why it becomes important to understand bank rates and financing.

Many finance managers use a menu to sell aftermarket products to you. This process is very similar to the four square process that I discussed in the beginning. There are usually items like gap insurance, extended service contracts, paint and fabric guard, as well as many other after market products available from this dealer. The menu again is usually stacked up to be presented to the consumer in a way that the dealer maximizes his profitability if you take the best plan available. The presentation is usually given in a manner in which the dealer wins no matter what options are chosen. With the additional items being pitched to you at closing, your mind becomes less entrenched on the rates and terms and your focus then turns to the after market products. Each aftermarket item can very well make the dealer up to 300-400% over what he pays for these items. Gap coverage for example may cost the dealer $195.00 and is sold to the consumer for $895.00. The $700.00 is pure profit to the dealer and is very rarely negotiated down during this process. The service contract may only cost a dealer $650.00 and is being sold for $2000.00. The difference in these items are pure profit to the dealer. You see, if you only paid $995.00 for the same contract, the dealer still earns $345.00 profit from you and you still have the same coverage that you would have had if you had paid the $2000.00. The same is true for the gap coverage. You are covered the same if you paid $395.00 or $895.00 if the dealers costs are only $195.00. The only difference is the amount of profit that you paid to the dealer. Another huge profit center is paint and fabric protector. In most cases the costs to apply the product are minimal (around $125.00 on average). In many cases the dealer charges you $1200-$1800 for this paint and fabric guard.

Here are a few things you will want to keep in mind if you are considering a Home or Office Cleaning Business:

1. What range of services will you offer?: This is one service based business where it may be best to keep your list of services as flexible as possible. Where one client may want to hire you for a weekly deep cleaning of their home, another client may need a one time service of clearing a cluttered garage. Someone may want a laundry service while another wants carpet cleaning. Be open to your clients needs and wants.

2. In what ways can you set yourself apart from the rest?: A home-owner or business in the market for a cleaning service ultimately want just two things – a clean home or office and peace of mind. How good you are at providing those things will determine the success of your business. When a person allows you into your private space, they are trusting that you will not steal or do anything else to betray their trust. As a small business owner, you do not have the brand recognition of a larger cleaning company, so you will have to work harder to gain clients. To give them peace of mind it may be wise to insure and bond your business, keep an up-to-date copy of your driving record, and criminal background check. You should offer to show any new client this information.

As society grows more conscious of the environmental impact of certain chemicals, people are moving towards eco-friendly or “green” alternatives. You can reach that demographic by offering green cleaning solutions and child-friendly methods. This will be very important for families.

3. How can I market and advertise my cleaning business: When it comes to advertising – you will want to concentrate your efforts to high volume social places. Your local grocery store, day care facility, church or shopping plaza are ideal locations. Consider spending the money to run a print ad in your towns newspaper and CraigsList.com is another great (free) alternative. Building your word of mouth reputation will be important, offer to clean the homes of friends and associates in exchange for a testimonial of your services. You may also want to consider marketing a contract deal to local apartment complexes, Realtors and credit unions. These companies will always need a reliable service to thoroughly clean apartments and homes after leases end, evictions and foreclosures. In fact, specializing in foreclosure clean-up may prove to be highly profitable.

Though the overall start up costs of a cleaning business are very low, you don’t want to make the error of skipping over the important steps. Make sure to register your business legally with your county, state and the IRS. Purchase a domain name and establish a website. Finally, you are a cleaning professional and must present yourself as such at all times. Although you are cleaning messes, your appearance should remain tidy!

There are a number of steps you can take that will make the assimilation of information easier on the brain. Of course if these don’t work, there’s always aspirin. The first step is to take a look at your business and see what it is that you feel you need to learn. Maybe you want to build a web site but don’t know anything about HTML. Maybe you want to learn how to write a sales letter. Put all the things that you feel you need to learn on a list and number it from one to whatever.

After you’ve done that, take the item that you feel is the most important to learn and start working on it. Pretend that there isn’t anything else but that one thing to learn. As you are working on this one item, you want to further break IT down into sections because you don’t want to learn it all at once. Your brain can only contain so much at a time. So take a little piece each day and get as much as you can out of that ONE piece as possible. With web design, it may be something as simple as figuring out how to use your HTML editor.

When you have completely learned that first item, master it. Make sure that you can actually do what it is you set out to learn. Reading through a book means nothing if you can’t apply the principles in it. So, for example, if you’ve just learned PPC, set up a small PPC campaign and see if you can get it to be somewhat profitable. It doesn’t have to make you a fortune. Even if it makes you just a little money, that’s fine. At least you’ve gotten to see that the principles you’ve learned you’ve actually LEARNED and know how to apply. Book smarts mean nothing.

After you’ve convinced yourself that the item on your list has been sufficiently learned, cross it off and move on to the next item. Continue to do this until all the items on your list are crossed off. Now obviously, as time goes on, you will add new items to the list. That’s fine. Just continue to do what you’re doing. The key is, don’t move onto the NEXT item until you’ve finished the one before it.

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Expect if I say to you that many new Roulette gamers are utilizing Martingale system to conquer the wheel. Actually, it’s the first Roulette system for a lot of bettors. Some lucky bettors have the ability to change to other Roulette strategy after they found the machine does not operate in the truth, but you will find unlucky gamers who’re heavily indebted simply because they never give-up and attempting to make use of the system to conquer the wheel.

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