No matter how long youve been in business, you may not be sure about how to accept credit card sales from your clients. Perhaps you long to start processing credit payments so you can increase the amount of your sales revenue or offer your clients more payment transactions. Maybe youre just tired of chasing bad checks or waiting for monthly payments on client accounts. If youre ready to add credit card processing to your line of customer services, a merchant services account may be just what you need. A merchant account associate can show you how to accept credit card sales by using the right type of processing equipment. By signing up for a merchant account, you will soon find out if youre approved, and upon approval, you can start using your account to implement a credit processing system for just about any type of business youre in. A simple credit card terminal equipped with a printer can be plugged into an outlet at your store or shop to let your customers quickly swipe credit cards for easy payments on the purchases they make. Your merchant account underwriter will charge a certain amount for each transaction, or you might be able to opt for a low percentage rate on your monthly credit payment volume. If youre in a window washing or another service business, or if you deliver items like baked goodies, you can lease or buy a wireless credit card processor to take with you in your travels for point-of-sale credit card payments. How soon can a merchant account let you know how to accept credit card sales? The first thing to do is find a bank or another financial backer who will provide this type of account for your business. Then apply for your company account by filling out an online application or by completing and mailing a printed form. Some banks may charge an application fee of $100 or more, so find out ahead of time if you will need to pay this fee, and if so, you might want to consider shopping for another account provider. Also check into the costs associated with a particular merchant account so you can find the best deal, as these can carry several types of fees, some of which may at first appear to be hidden. When your account is approved, you can immediately get set up with the right equipment to handle credit card payments, e-checks, and debit payments as well. You may even want to consider setting up a digital processing system so your customers can dial a toll-free number, browse products online or from a print catalogue they have already received, and punch in their orders as well as a credit card number and expiration date for payment. You dont even have to hire someone to staff the phone line, although it is probably a good idea to have someone available for a few hours during a typical business day. Ask your bank or another financial lender to tell you more about the ways in which a merchant account can show you how to accept credit card sales.
Copyright 2006 Dr Joe RubinoStudies show that at least 85% or more of the worlds people suffer from some degree of lacking self-esteem. Although one might think that such challenges are only characteristic of the poor, uneducated, or lower socio-economic members of society, people from all walks of life can suffer situational or more widespread challenges with their levels of self-esteem.Many very successful business people lack self-esteem in some areas of their lives. Perhaps they feel socially challenged or they have difficulty establishing close or intimate relationships. Perhaps they experience low self-esteem with regard to their physical appearance or their health. Perhaps they are not having any fun in their lives, maybe devoting too much attention to their work. Many successful people are driven to succeed. They compensate for feeling deficient in other areas of their lives by working harder and finding a place they can excel through their work. This provides them with a new focus where they can win but it doesnt fulfill their neglected needs in other areas like relationships, recreation, personal and spiritual development, health and appearance and their ability to lead balanced, fun, and fulfilling lives.Its not that there is something wrong with finding an occupational niche where one can be successful and feel good about oneself. However, many of those lacking self-esteem in other areas find themselves driven to accomplish, driven to prove their worth. Since business is an area where they can shine, they neglect other areas to focus excessively on business.However, since their actions are built upon the erroneous belief that they are somehow not good enough, somehow defective or unworthy of being fully loved and accepted, there is little lasting satisfaction even in the arenas where they can excel. Its as though they are climbing a ladder with the top of the ladder in the clouds. They think that if they can just climb high enough, they will be successful. They will have proven their worth. They will find satisfaction, happiness, and fulfillment. However, as they climb higher and higher, they never seem to arrive. There are always new goals and objectives challenging them to prove their worth. The more they achieve, the more they have yet to go. Try as they will, they never seem to fully measure up. Or, if they do, it is short-lived and fleeting at best. There is no arriving to the point where they find what they long for so badly the peace of mind that comes from self-love and self-acceptance.Because the foundation of their ladder is grounded on quicksand, they often find themselves sinking as rapidly as they climb. In fact, from their perspective, they will never reach the perfection they seek so badly. They will always find evidence to highlight their flaws and reinforce their fears of being unworthy, unlovable, defective in some way.The message of The Self-Esteem Book is simple. No one needs to settle for a dimmed existence due to a lacking sense of self-worth. Most people either make up or buy into thoughts that there is something wrong with them, that they are somehow inadequate, not good enough and not worthy of being loved and accessing all the good things that life has to offer. If they are willing to examine their past to get to the source of their resignation and diminished self-esteem, they can reinterpret what happened to them in such a way that they can heal and complete the past and eliminate negative self-talk while making a conscious decision to live their lives from a decision to strive for excellence and contribute to others. By developing a firm belief that they can impact people and the world around them and that they are, in fact, very worthy of receiving lifes blessings, they will manifest happiness and fulfillment.In addition to the cost of never finding true happiness, long-term fulfillment, or peace, lacking self-esteem impacts business people in many other ways. For example, by not getting to the source of their self-esteem issues, they sacrifice their personal power, their ability to best pursue their life purpose and fully manifest their gifts in the world. If our energy is spent by being preoccupied with our weaknesses or being incomplete with our past, we can never be fully present to today and so we sacrifice our true potential to bring about a result.Our relationships suffer as we will misinterpret the words and actions of others in a way that invalidates us and has us feel badly about who we are. We may be so driven to prove we are good enough that we sacrifice our personal effectiveness and charisma by focusing on ourselves and our deficiencies rather than on the wants and needs of others. We may play small and hide out in social situations or whenever the possibility of looking bad or being found out comes up for us. Or, we may overcompensate and turn to workaholic tendencies out of a desire to prove our worth to others or to ourselves. Because of this misdirected focus, we trade our ability to impact others maximally and to best contribute our gifts to the world.The answer to escaping the vicious cycle of lacking self-esteem, diminished confidence, and the never-ending, frustrating quest for fulfillment lies in the 3 step process as laid out in detail in The Self-Esteem Book. The process starts with healing ones past so that it no longer robs us of energy and consumes our attention. Once the pull of past ghosts is complete, we can then turn our attention to properly analyzing our present state of affairs. We can identify whats working in our lives and whats missing to support living an upset-free life in choice, a life that honors our most important values and inspires us to live passionately.And finally, we can take that magic wand that is our birth-right, wave it over our lives and design our future deliberately. We can choose to do so in a way that excites us, as we cast off that gloomy state of low self-esteem, unhealthy resignation and self-pity that no longer supports us. We can live with the intention to honor our God-given magnificence and lead happy, fulfilled lives that fully contribute to others as we share our gifts with the world.
Restaurants and other food service businesses generate literally tons of cooking oil, grease and food wastes every day. If this waste is not managed properly, it can cause major environmental problems. Much of the waste is in solid form and can be safely put in packages and placed in the trash. Liquid waste containing oil and grease dumped directly into the sewer, however, can block the system and cause wastewater to flow back-up .To avoid this you have to install and properly maintain a grease trap.Grease traps capture the oil and grease from the flow of wastewater by slowing down the flow of hot greasy water through the grease trap (actually a tank) and allowing it to cool. As it cools, the grease and oil separate out of the water and float to the top of the trap. The cooler water continues to flow down the drain pipe to the sewer while baffles prevent the accumulated grease and oil from flowing out of the grease trap. The size of the grease trap depends largely on how much waste your business produces and how often you perform trap maintenance. Grease traps may be located inside or outside of the building. Traps that are located inside the building tend to be smaller and require more frequent maintenance. Traps that are located outside the building tend to be larger and may be less disruptive to maintain. Outside grease traps will operate differently in winter versus summer and are more prone to clogging during cold weather. As a business owner/manager, you should know where the grease trap, drain lines, and clean-outs are located at your restaurant.Proper cleaning and maintenance of the grease trap and drain line reduces the amount of solids and grease going into the public sewer system and minimizes the likelihood of back-ups or blockages. Some sanitation districts and/or municipalities require grease traps and periodic maintenance and inspections for specified businesses. This is because untrapped oil and grease in the wastewater decreases pipe capacity over time and eventually will cause the pipe to clog. Piping systems without grease traps need to be cleaned more often and some piping may have to be replaced sooner than otherwise expected. Excessive grease sent to the wastewater treatment plant can also overload their system and cause the facility to exceed its allowable discharge limits. Running extremely hot water down the drain only moves the problem down stream, and may only make it worse. Fixing a sewer line blockage can be expensive, both in terms of potentially lost customers and repair cost. If the pipe clog is within your building sewer line, you will be responsible for fixing the problem and paying all costs. If the clog is in the public sewer line, but can be traced to your restaurant, you will be liable for paying all or a portion of the repair costs. Accumulating the oil and grease close to the source in a properly maintained grease trap is the most cost-effective way.There are several ways to maintain a grease trap and dispose of the wastes. Your decision will likely be based on cost, availability of services, and disposal/ recycling opportunities in your area. Most restaurants hire a professional pumping service to remove the waste from the grease trap and dispose of it properly. Some areas have service companies that specialize in grease trap wastes, while other areas may have pumping contractors that service grease traps, sand traps, and septic tanks. Pumping service contractors can usually be found in the yellow pages of the telephone book under the listings for Grease Traps and Service, Septic Tanks.
Is your company ready to go public? How will you decide whether your company is ready to go public or not? There is no magic number or formula which qualifies a private company to transform into a public company. Then what are the factors which determine a company to be ready to public. Let us explain when you can transform your private company into a public company. A public company can attract lots of shareholders from any place, where it sells its products or services. Check whether your products or services have a good market or not. If your product features a good regional market or national market you can transform your company into public. The basic fact behind this is that, if your product has a good name among the people, there will be large numbers of people who are ready to purchase your companys shares. If your product is not having such a market then there will be any use for you to go public. Investors will check your companys market value before making any investment. If they see your products or services have good move in the market they will surely rush into for buying shares. The next step is to check whether your management team can grow your company or not. If your answer is yes, your company is ready to go public. This is because your management team is the vital part of your company who plays a main role in successfully using your equity financing. If you feel that they lack significant education and work experience, then dont go with idea of making your company public. If you feel that your company has enough credibility, and need some additional money to grow more, your company is ready to go public. Remember that you will get necessary shareholders and investors if you have enough credibility. But when your company transforms into a public company, your companys responsibility increases and you must have a good management team to slowly grow up into new horizons. Unless you are sure your management team has good work experience, dont go to make it a public company. Make a good business plan which should also be the vision and strategy of your company. You can also modify your existing business plan, keep in mind that you are going to expand your company into a public one. There is no special time to say it is a good one to go public. If you think that your companys products and services have a good market you can go public. But it is better from your part to prepare some month before you are moving such a step. This is because you need to study the ins and outs of the public sector. As you are new to the public sector it is wise to make a study about the public sector before you transform your private company into a public one. This is something you have to be done so as to make your company tie up with the new standards. After all, once more make it sure that your company qualifies to become a public one.
Copyright 2006 The Janitorial StoreOffice buildings have many types of flooring and growing in popularity are stone floors. Stone floors give buildings a classic and upscale image. Popular choices in flooring these days are natural surfaces including marble, slate, granite, and terrazzo. As more and more buildings are installing stone floors there is a growing need for cleaning contractors who have the experience and knowledge to take care of these valued surfaces properly. Learning the tricks of stone floor care can lead to extra income and profit for your cleaning company.Before expanding into the area of stone floor care make sure that you understand the differences in the types of flooring and how to design a maintenance program to keep stone floors looking their best. It helps to develop a relationship with a distributor that has quality products and can help you with technical support.The first step in any floor maintenance program is finding out what type of stone you're dealing with. Stone floors are broken down into one of two categories: stone that contains calcium and those that do not contain calcium. It is important to note that acids will attack and etch stone that contains calcium.If the floor is not coated on the surface, a simple test can determine what type of stone you are dealing with. Place a drop of hydrochloric acid in an inconspicuous area and watch the reaction. If the acid fizzes the stone contains calcium. If there is no reaction, the stone is most likely granite, slate, sandstone or some type of ceramic that has been designed to look like natural stone.Your second step is to decide what type of results you want with your floor program. Do you want a polished surface, a slip resistant floor or a floor program that is easy to manage? Any stone floor program should also take into account the type of surface - polished, honed or textured. Also, remember that stone is a product of nature and should be admired for its inconsistencies. The imperfections of stone create random patterns, which is what makes natural stone so desirable.When looking at how you should maintain stone floors, both calcium containing and non-calcium containing stone floors should be maintained in identical ways except when it comes to re-polishing. A marble floor develops wear patterns faster as marble is a softer stone. You can polish marble, limestone and terrazzo effectively with superfine abrasives you mix with potassium oxalate or oxalic acid. These are typical compounds available in various ready to use formulas.Granite floors, on the other hand, are acid resistant requiring granite to be polished mechanically using superfine abrasives. The re-polishing of granite is a slow process as compared to re-polishing a marble floor.At times the floor will have been so neglected it may need restoration. A properly restored stone floor will have no lippage (where one edge of a stone is higher than adjacent edges, giving the stone a ragged appearance), will look better and be easier to clean. The restoration process is best handled by professionals. Improved technology has made the restoration process faster and with a restored floor maintenance costs will go down while the overall appearance of the floor will go up.Stone itself has a porosity factor (materials can pass through it) and some stones absorb stains faster than other types of stone. A high quality impregnator can help prevent stains from passing through and being absorbed into the stone. Impregnators can be water resistant, or water, grease and oil resistant. The specific impregnator to use will depend on your specific situation.The most important part of your stone floor care program will be the use of a quality stone soap. A high quality soap will clean and enrich the stone, which will make it more soil and stain resistant. This is not an area to be cutting costs!Quarterly cleaning is recommended for commercial stone floors. This will not only remove any built in soil, but will also remove stone soap build-up. This is an important step as most stone soaps are non-rinse. Because of this dirt can build up in the grout lines, even when you are following a floor maintenance program. An intensive cleaning should also be used if you have an extremely dirty floor.Other stone surfaces that may need extra care are countertops, vanities and vertical surfaces, such as pillars. A good relationship with a distributor of quality products will help you in deciding which chemicals you'll need to use to clean these surfaces.If you have buildings with stone floors, your first step is to develop a quality "stone floor care program" . Spending a little time and effort before beginning your stone floor program will save you headaches and keep the floor looking its best. Your customer will be happy and your bank account will grow!