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Therefore, by operating a current account, you can buy things, anywhere, without necessarily having to carry cash with you. As you can see, this account type is quite useful. However, there is a downside to it, the unlimited access to your account, and thus your money, that checking accounts grant you tend to encourage reckless and spontaneous spending. So, while getting a checking account is a very good idea, due to the convenience that comes with it, you might have to ensure that you only have money you intend to spend in this account.

So, how do you get a checking account? Banks, irrespective of what they say, are virtually the same; however, to get you to open your account with them, some banks have in place some incentives to further make life easier for you. It is very important to carefully analyze all the options you have. Look at the different features that come with each bank's checking account and the fees that go with these features. The 'right' bank will allow you enjoy these features without neck breaking fees and commissions. Making the right choice is one of the most important aspects of opening a checking account. The fees and commissions structure of some banks will dig a hole in your pocket; you will want to avoid this type of banks, as much as possible.

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Sanity Check - Buying a Business


In the business broker community there is a review process that helps a buyer determine if a business purchase makes sense or not. This check can be done by a Fortune 500 company where everything is figured down to the penny and takes 1000 hours of research or it can be done by a small main street shop buyer who figures it out in 1 hour. Each item in this review process requires a decision. This decision can be based on extensive research or just on a reasonable guess.

The beauty of this process is; how long you want to spend on doing this activity is totally up to you. As we review this process, I will explain the variables of this system so you can make the necessary decisions where needed. Remember, this is only a tool to help you make decisions about a business purchase; it is not a sure-fire foolproof system. I will just lay it out for you and you make your own decision as to the validity of this formula for analyzing a business purchase that you may want to make.

The Sanity check requires two mathematical formulas, which require dollar amounts or other numbers to be entered in each formula. The math is calculated and then the results are compared against the purchase price. If it doesnt work out the way you wanted, you have the option of then going back and change some of the numbers and do the calculation a second time.

The two formulas are:

1. SP + WC BF = CR
Sale Price + Working Capital - Borrowed Funds = Cash Requirement

2. SDE FMW (FO) DS - ROI = Extra Profit/Loss
Sellers Discretionary Earnings - Fair Market Wage (for the owner) - Debt Service - Return on Investment (Cash Requirement x Interest rate -Stated as a Percentage) = Extra Profit/Loss

Since each item in the formula needs to have a dollar amount determined, we will define the terms and then discuss how the dollar amount is derived at.

Terms Definition:

Sale Price: The price that is being asked for the business or the price the buyer is thinking of offering. Depending on when you do this analysis. If you are trying to determine an asking price you would calculate all the other numbers in these two formulas to determine what should be your offering price. We will do examples to make this clear later in this article.

Working Capital: The short-term assets minus the short-term liabilities is the accounting definition. The simple explanation would be the amount of money necessary to be invested by the buyer to run the daily operations of the business, once purchased. This would include monies tied up in inventory, and accounts receivables. Money invested to pay the landlords or utility companys deposits. Also included is the money spent on the business purchase to cover the loan origination costs and purchase escrow fees when buying the business. It is the total funds invested into the business to keep it running. The down payment given to the seller is not part of this number, since it is included as a separate item.

Calculation notes:
1. Cost of inventory: $_________________ (+)
2. Accounts receivable: $_________________ (+)
3. Landlord deposit: $_________________ (+)
4. Utility Deposits: $_________________ (+)
5. Escrow fees to purchase: $_________________ (+)
6. Loan origination costs: $_________________ (+)
7. Short term liabilities* $ _________________ (--)
Total Working Capital $_________________

* Short-term liabilities are defined as liabilities that are to be paid off within 1 year accounts payables and the part of any notes payable that are to be paid within 1 year.

Borrowed Funds: The loan made for a business purchase from a bank or private party. The private party can be the seller or some friend or relative who might be willing to make a loan. This is borrowed money that must be paid back to someone at some time in the future.

Cash Requirement: This is the invested cash required to both buy a business, and working capital-to run the business. The amount of cash needed to make the business purchase and run the operations of the business after deducting all borrowed funds, regardless of source.

Sellers Discretionary Earnings / Owners Total Benefits: This is the total of all the non-business related benefits going to a business owner or his family on an annual basis that have been paid for, by the business. Included in this is definition are taxable profit from operations, unreported cash income, owners salary, salaries to non-working family members, any amount over the fair market value of salaries paid to working family members, family auto expenses, family telephone, family office expenses, health and life insurance for any or all family members, pension plan/ profit sharing contributions paid for the benefit of family members. This can also be stated as the reason why most people go to work everyday; they get family support for working.


Calculation notes:
1. Taxable profit from operation $_________________ (+)
2. Cash $_________________ (+)
3. Owners Salary $_________________ (+)
4. Salaries of non-working family members $_________________ (+)
5. Amount over the fair market value of wages
of working Family members $_________________ (+)
6. Family Auto Expenses $_________________ (+)
7. Family Telephone Expense $_________________ (+)
8. Family Office Expense $_________________ (+)
9. Health and Life insurance of
Any/all family members $_________________ (+)
10. Pension plan/profit share family members $_________________ (+)
Total Seller Discretionary Earnings: $_________________

Return on Investment: We need to have this stated as a dollar amount in Formula two. ROI is calculated as follows:

Cash Requirement X a Percent - the greater the risk, the higher the percent

First we must determine what the interest rate return we wish on our investment. This is a very subjective percentage and a change in this number can change the whole result of this analysis. If it is of any help, many financial investors in Corporate America feels they need to get a 20% return on their invested capital. Companies do not always make money and therefore the possible loses are built into the ROI. Some of the reasons are: companies are bought and go broke, overseas competition causing expectations of growth and income not to be met, and lastly government regulations periodically close whole industries. These are just some of the many risks involved in owning a business.

Putting your money in a bank has little risk, because the Federal Government insures your deposits in the bank. The stock market has a lot of risk that many people do not fully understand, causing them to accept a long term ROI of 10-13% from mutual fund investments. A 95% drop in stock prices like the dot.com stocks or what happened when we had the oil embargo in 1992 are indications that the stock market can be a much higher risk than people realize.

I personally feel that owning your own business and buying real estate are much lower risks, providing a much higher return. The proof of this can be found in the number of people who got rich in real estate and the over 25 million small business owners across this country.

Figure out what ROI you want and insert this number as .20 amount to represent 20% or .06 to represent 6% ROI. This is an annual return on invested money.

Once you have a percentage return on your investment we need to multiply it by the Cash requirement in order to come up with a dollar amount return needed. This restated is Dollars invested x percentage (stated as a decimal) = Dollar return on investment.

Examples:

1) Investment of $50,000.00 @ 6% Return On Investment (ROI) would be calculated as follows: $50,000.00 X .06 = $3,000.000 (Dollars return on investment)

2) Investment of $50,000.00 @ 20% Return On Investment (ROI) would be calculated as follows: $50,000.00 X .20 = $10,000.00 (Dollars return on investment)

Debt Service: The reason we need this number is because this is a financial expense of owning a business. It is not an operating expense of the daily business operations but if you have debt, in your business, you must be able to make the payments, out of the business operations profit. Usually this payment is mostly interest and a smaller portion is the principal reduction of the loan balance.

Most professionals deduct the whole payment when doing this analysis, because the business must generate enough profit to make the whole payment. My personal preference is to just deduct the interest portion and to add the principal portion of the payment to working capital amount needed. This counts as more money being put into the business just like financing inventory and/or accounts receivables.

For simple one-hour analyses it is not worth splitting up the payment. In the case of a very large principal reduction payment it could be unreasonable to not split it up. It is up to you. You can always try it both ways, since this is a process to raise your understanding, not to come up with a fixed answer of, yes! it is a buy or no! it is not a buy.

Fair Market Wages: This is an amount that the new or old owner would be paid, if he were an employee not the owner. If the owner were the company salesman and also the company bookkeeper working a total 60 hours a week, a reasonable salary would have to be determined for each job. As an example only, lets say that an outside salesman, in your industry, could make $40,000 per year. And a bookkeeper usually charges $15 per hour. The salesman might very well work 50 hours at this job to earn this salary. If a bookkeeper would work 10 hours per week doing the bookkeeping that would mean 520 hours per year (10 hours x 52) times $15.00 per hour which comes to $7800 per year for the bookkeeper. The two Fair Market Salaries would come to $47,800 ($40,000 + $7,800).

Sometimes the market salaries are not so easy to figure. Lets take an owner who owns a 99-cent discount type store. This shopkeeper works 70 hours per week behind a counter in the store. You can hire a counter person for $7.00 per hour so this becomes (70 hrs x $7.00 per hour x 52 weeks).


Then you start discussing that this $7.00 per hour counter person would not be able to do the buying. You might want to figure a purchasing agent's salary. This can be done or you can just do simple numbers, leaving the salary only based on a counter persons wages.
DOING THE MATH
By now you have the information to come up with numbers to put into the formula. Let us create a scenario. This was a transmission shop. The customers pay COD-upon pick up of the car. The parts inventory is from old transmissions and show on the books as worth nothing. The seller-owner is asking $75,000 for this business that he is able to takes out $50,000 in profit or benefits. In an interview, the owner mentioned that if a buyer will put $40,000 as a down payment he would carry the $35,000 balance at 5% interest for 5 years. By observation, we can see that the current owner sits in the office and does the bookkeeping, orders parts and makes bank deposits. He has a manager who bids jobs and handles production. No one is going out and calling on prospective business, which is one thing the owner should be doing with his time, but he is not doing. Lets go through what the numbers are with this example.

Math Formula #1: Sale Price + Working Capital - Borrowed Funds = Cash Requirement

Sales Price: $75,000
Working Capital: The business requires $10,000 cash infusion upon close of escrow, mostly to pay the landlords deposits and start a new marketing campaign.
Borrowed Funds: $35,000
So, the calculation for formula #1 looks like this:

Sales Price: $75,000
Working Capital (+) $10,000
Borrowed Funds (-) $35,000
=Cash Requirement: $50,000.00
Math Formula #2: Sellers Discretionary Earnings - Fair Market Wages For Owner - Debt Service - Return on Investment (Cash Requirement x Percentage) = Extra Profit/Loss

Seller Discretionary Earnings in this case is, let us say, $50,000.00.

Fair Market Wage: You can calculate what you consider fair or you can put all of the other numbers into the equation and see what is left for salary. If you like the salary you buy the business, if not you do not. If we were to calculate what the owners salary should be I would not pay much for what he does. Even though he puts in 50 hours a week he really only works 15 hours a week of true production. I am figuring 5 hours for bookkeeping and banking and 10 hours for ordering parts and answering phone calls. At $15.00 per hour he is earning $225.00 a week ($15.00 x 15 hours) and that multiplied times 52 weeks comes to $11,700 per year.

Debt Service: My financial calculator says that if you borrow $40,000 for 5 years (60 months) at 5% and the balance at the end of the 60-month is zero, the monthly payments come to $660.49. Since the formula requires yearly figures we multiply by 12 and get $7,925.92. Most of this payment is principal reduction but we are going to just deduct all of the payment as is generally accepted in the industry.

Return on Investment: We are going to use the 20% figure we discussed above. Formula one determined that $50,000 was needed as an investment which is multiplied by 20% (.20) = $10,000 per year return on investment.
Formula #2 (Sellers Discretionary Earnings - Fair Market Wages (For Owner) - Debt Service - Return on Investment (Cash Requirement x Percentage) = Extra Profit/Loss) would the look like this:

Seller Discretionary Earnings: $50,000.00
- Fair Market Wages: $11,700.00 (-)
- Debt Service: $ 7,925.00 (-)
- Return on investment: $10,000.00 (-)
= Extra Profit/Loss: $20,375.00

This means that after deducting from the income, wages, financing costs and a return on your cash investment the business still generates $20,375 more profit. Now would you buy this business under these circumstances? It would appear, yes! Of course this is based on a few assumptions, which might not be true. Lets look at them again.

The owner is only working 15 hours a week or he is only doing 15 hours of real work even though he is sitting around all day. The other assumption is that a 20% return on your investment is a sufficient return for the risk.

We can also consider that if the new owner puts in an extra 25 hours a week doing productive sales the business should be able to afford to pay him another $20,375 for the first year. It would appear that if the sales work was done then the profit should greatly increase in the second year or maybe even the second month.

Conclusion:
This is a tool to help you analyze a business. It is not the end-all of a business appraisal or evaluation. Just a tool to help increase your understanding of a businesss value that you may be seeking to purchase. Have fun with it.


About the author:
Willard Michlin is an Investor, Business Broker, California Real Estate Broker, Accountant, Financial Distress Consultant, Well known Public speaker and Administrative/Business Consultant. He can be contacted at his Ventura, California office by calling 805-529-9854 or by e-mail at kismetrei@earthlink.net. See other article by Willard at http://www.kismetbusinessbrokers.com




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Phishing and Identity Scams - Savings Account, Personal Checking and Credit Card Crooks

An example of phishing scam e-mail contains a bank logo and ask the customer to renew their online account. This scam is designed to acquire the customers ID, login as well as a password so they can view the customer's online banking information, online personal checking account information or credit card files, which will allow them to get account numbers and balances.

Another technique used by con artists finds a computer that is infected with malicious software that allows unauthorized access to your computer. This software lets someone else check your personal activities, read your data or even control your computer. Also, using these software techniques they can redirect you to another site that impersonates the legitimate one. Not surprising when 35% have made an online debit or credit card transaction without checking the security of the site.

So what can you do to prevent becoming a victim? Be alert and cautious and check personal information regularly to make sure you get monthly statements and review them carefully. Ask about and check into unauthorized changes or withdrawals appearing on records immediately and maintain good records. And don't fall for something if it sounds or looks too good to be true, you can bet it probably is.

Surveys find that about a third of the population admits to throwing away personal documents such as bank statements and receipts without shredding or destroying them. Moreover, a quarter of the population does not routinely check personal bank statements for unfamiliar transactions. Another statistic is that half the population uses the same pin and password across different accounts.

Eight out of ten people have never checked their credit file reference file at a spot check to see if someone else is getting credit in your name. Giving out our personal details can leave us open to identity theft, unwanted marketing and a loss of privacy. Are you one of the 88 percent who continue to click on a link within an email to get to a web site instead of typing in the URL?

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Why would someone decide to spend just a little bit more money when they can buy the cheaper, more basic checks?  It has everything to do with customization.

Why would someone decide to spend just a little bit more money when they can buy the cheaper, more basic checks?  It has everything to do with customization.

 

Millions of people have a checking account and many people have two of three. They have the choice of choosing a variety of check designs to compliment the checking account. The styles range from solid color checks to more intricate designs that reflect the personality.

Why would someone decide to spend just a little bit more money when they can buy the cheaper, more basic checks? It has everything to do with customization.

The many check images available to make your account personal can cover just about all the bases. Here are some of the examples for you to choose from:

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Personal photo checks are available through many online check printing companies. All it takes is a digital or scanned photo sent via email. Save the image in JPEG form and in a week or two the new checks will arrive in the mailbox.

Take the time to browse through a couple personal check sites to see what is new in checking. New styles are always showing up on the web, and most sites carry different images. Personalize your checkbook for added excitement in your life.

ABOUT THE AUTHOR

Robb Ksiazek is an author and publisher for Checks-4U.com. He has researched and written about the little things that make a difference in the paper supply industry, from personal and business checks to envelopes and address labels. Turn the ordinary into extraordinary.

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The Extra Income Checks


The Extra Income Checks

 by: Kenneth Echie

Do you have the characteristics to make EXTRA INCOME? It takes certain attributes to run a successful extra income program. You must ask yourself if you are cut out for it. No GURU can do it for you. You have to want it badly enough and then go out and get it.

Tens of thousands of people all across the globe come to the internet looking for a way to make extra income. It has become necessary to issue some reality checks.

The truth of the matter is that some people are better off getting a second job at the local convenience store to supplement their income than start an extra income program. It doesn't do them any good to spend money and months on the internet trying to earn extra income only to fail. At the end of it, they would only be poorer for their efforts.

I don't want you to waste your money on something you may not be suited for. You need to look within yourself and ask yourself if you can do it.

The reality is that the cost of living keeps going up while companies keep cutting back on raises. The need to do something extra and earn enough money to help pay the bills has never been greater. It doesn't matter if you are a woman or man.

The computer and the internet have made it possible for people to match their skills, interests, abilities, and ingenuity into a home business they can use to earn extra income. This article is to show you that it's simple and easy to join the ranks of successful extra income earners. But make no mistake about it, it's not for everybody.

The history of business shows that the rewards and advantages of starting a business are many. The beauty is that you can start an extra income business in your garage, backyard, basement, attic, or a room in your home. But first, you must do some GUT CHECKS.

Your first step should be to study the attributes below and see if you have them. You should be frank and honest when you do.

1. CAN YOU SET GOAL?:

If you are to achieve any level of success, you must set goals. If you expect to be successful, you must determine what that means to you and the best way to achieve it. There are two basic steps you can take to convert goals into achievements:

a) You can decide on a specific dollar amount; and b) You can set a time frame for obtaining the dollar amount you want. Your goal should be specific and indicate What, When, and Where. After making a list of every possible way you may accomplish a goal, select the method for your situation.

2. QUESTIONS TO ASK YOURSELF:

a) "Can my family do without the money I need to start an extra income program?" In the world of the internet, this amount is very small. In fact, there are programs, like the http://www.pluginprofitsite.com/main-1831 program, which come loaded with all you need to start for free.

All you have to do is advertise. Can your family do without the money you need to advertise? This question must be answered according to each individual's circumstances. You may need to trim a few things from the family budget.

b) "What are my strengths?" To determine your strengths you will have to take an inventory of yourself. Decide what you enjoy doing the most and what you feel you would be good at. Examine every possibility and include all the skills you have no matter how small they seem.

There is no harm in brushing up on the things you are lacking. Local community colleges have courses that help you do this at very small price. There are also a lot of free online resources you can read to gain more knowledge. All you have to do is go to a search engine like Google and do a search on your topic of interest.

c) "Is there a market for the product or program I have chosen?" Be cautious before you invest any money. Check it out by making inquiries directly to the company, competitors, or firms who are marketing a product or program similar to the one you are interested in. Test it on a small scale and track your testing. Check it out thoroughly.

d) "How long will it take this business to reach the financial goal I must have?" You should know how much time you can dedicate to your business, and what your profits are for that time. From there, a simple math will tell you how long it might take to reach a particular financial goal.

3. HAVE COURAGE TO START:

You must have the courage to start. Don't be caught in analysis paralysis. Some people spend too much time analyzing opportunity that they never start. Don't fall into this trap. You MUST have the courage to start.

4. SELECT THE RIGHT PRODUCT OR PROGRAM:

Take a close look at your interests and abilities, and then decide what type of program or product you want to do. For example, do you want to do referral programs, or write e-books to sell? The object is to find out what has the most appeal. If it does not appeal to you, you will not be motivated enough to see it through.

5. HAVE A GOOD MARKETING PLAN:

A good marketing plan is one part of a business plan that is absolutely essential to its success. In fact, the ability to properly market a program can be more important than the program itself. You want targeted marketing. You have to reach the right audience in your marketing efforts.

Go to discussion forums in your niche and see what others are doing. Don't be afraid to ask questions. Experience is the best teacher. With good program or product, you should be able to develop a winning strategy.

6. CONCLUSION:

Be a self-motivator and continue moving forward towards the goals you want and deserve. Keep educating yourself in your area of interest. The best extra income earners never stop educating themselves because there is always something to learn.

If you have or develop the above attributes, your little extra income program or business could turn into your main income program or business. You will be smiling all the way to the bank with some nice checks and thanking yourself for having the GUTS needed to accomplish your goal.

Get Started! Do it NOW!:-)

--

You can publish/reprint this article as long as you include the resource box

About The Author Copywrite © Kenneth Echie Kenneth Echie updates the latest extra income ideas at http://www.extra-income-ideas.com. You can subscribe to his informative newsletter by sending blank e-mail to Mailto:bye925@getresponse.com Kenneth@extra-income-ideas.com

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Check Out The Best of the Best Myths

The best of the best myths, urban or social myths, have been given a rigorous going-over. I think we've all heard these urban legends throughout our lives and the kind of fun to talk about. First we grew out of the old folk myths that our parents used as forms of domestic control: we realized that eating watermelon seeds would not grow a whole fruit in our bellies, that crossing our eyes would not make our eyes stick that way, and, sadly, we learned there was no Santa Claus, no Tooth Fairy, no Easter Bunny, no dead man with a hook for an arm. and who can forget that mom and dad always had to walk 5 miles in the snow to get to school... uphill both ways.

Do remember the one about Pop rocks and cola? As it went if you put a bunch of proper action your math and chased it down with some soda, it would explode. That's one of my all-time favorites. Or what about the one about Bubble Yum bubble gum? Whenever you put it into a piece of Bubble Yum it had a bit of a crunch to it. That was due to the fact that it was loaded with sugar. But as one of the best of the best myths, the story had it at the con actually contained spiders eggs and that's where the crunching came from. I love that one.

As Munich freelance writer Klaus Manhart reiterates in his article, Likely Story, in Scientific American Mind, humans need myths. The brain needs a story he writes, and the brain needs, once the story is told, to be able to explain the unexplainable, [as Manhart notes Joseph Campbell discovered] to follow through on its imperative to impose order on the world.

Maybe he's right in his theory about why we need myths, we are also called to our accountability when it comes to potentially damaging myths. I guess that makes us feel smart when we figure them out. Enter the inquisitive and curious John Stossel, 20/20s challenging reporter, to deconstruct the media-driven myths of 2005.

As reported by LBN (Late Breaking News), John Stossel took it upon himself to de-mystify his version of the best of the best of myths--numbers one through ten as follows:

Number 10: Americans have less free time than we used to.

Number 9. Money buys happiness.

Number 8: Republicans shrink government.

Number 7: The world is getting too crowded.

Number 6. Chemicals are killing us.

Number 5: Guns are bad.

Number 4: We're drowning in garbage.

Number 3: We're destroying our forests.

Number 2: Getting cold will give you a cold.

Number 1: Life is getting worse.

Now granted, minds such as those belonging to Manhart, Stossel, really have an overriding drive to have their world makes sense to them, to have and to find an explanation for the apparently unexplainable. But do we really need to figure everything out, in faith, in nihilistic determination and malcontented spite? There's nothing wrong with a little mystery and our lives is there?

ABOUT THE AUTHOR

Morgan Hamilton offers expert advice and great tips regarding all aspects concerning lifestyle. Get all the information by visiting The Best of the Best Myths

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A Checklist For Planning Your Pregnancy To Get Ready For Baby

A Checklist For Planning Your Pregnancy To Get Ready For Baby Submitted By: Bruce Swedal

Since it is normally a good idea to prepare for major life changes, here is a check list that can help you prepare for your baby. Preparing for your pregnancy is a must just like preparing for college, school and retirement are a must. A baby will change many things in your life and there is a lot of planning that goes into being ready such as, emotional, physical and financial plans. Being ready will make for a smoother transition and a better future for all involved. The most important thing comes first and that is the decision to become a parent. It just may be the most important decision that you make in your lifetime so talk to your doctor, friends and family. Another good idea is to read as many books, magazines and articles on the topic as you can to get as broad a picture as you can when planning for a healthy pregnancy. A visit to your doctor is a must if you are planning a pregnancy. Your doctor will perform a checkup with a background check of any history of family illnesses to make sure that you are in the best physical condition for the pregnancy to come. Your doctor may check you for any sexually transmitted diseases and advise you to stop taking any over the counter medications. If you have been trying to get pregnant for longer than a year a fertility test may be in order. No worries about it as there is still a good chance for conception. Lastly your doctor will make sure that all your vaccinations are up to date including tetanus, hepatitis B and measles. Stay very far away from hazardous chemicals. It can be a dangerous situation if either you or your significant other has been exposed to things such as heavy metals, chemical fumes from work, dry cleaning fluids, hazardous chemical or radiation. Ask your doctor and get advice on continuing to work in conditions which may be harmful to your baby. Things such as drugs, alcohol or smoking can be harmful to your baby so avoid that at all costs. It can affect your baby?s birth weight or cause it to be premature. It could develop birth defects or other complications that are just much better for all to avoid. There is as much as a 64% increase in the chances for birth defects from a parent that smokes. A good, nutritional diet is essential for a healthy mother and child. Take supplements that your doctor recommends and folic acid is also a good idea. Your diet should be rich in calcium, iron, vegetables and fruits. Cereals that are fortified are a good option for breakfasts. Make sure to get regular exercise because it is important to stay in shape. It should not be overly strenuous more like swimming, yoga or walking can help to keep you fit and your stress levels lower. Start meditation and breathing exercises to help you remain calm and peaceful. 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