What’s overhead? Not just the roof. For a small business overhead is usually the debt hanging over the small business owner’s head. Actually, overhead is the ongoing general cost of running your small business, and can include items like the cost of carrying inventory, office supplies, payments on equipment, and the cost of service providers like accountants and lawyers.In this article, I outline four ways to decrease your company’s overhead. These simple solutions can help your business preserve cash, and stay solvent.Decreasing Small Business Overhead1. Barter with Others
Trading products or services with other businesses is one way to reduce your overhead. I often use this approach in with my small businesses. I may trade my writing services or web-design work for graphic design services or legal advice from another company. Bartering works well so long as both parties have goods or services of equal value to trade. If you’re not sure how to go about bartering, check in with your local Chamber of Commerce, which may already have a barter network in place.2. Reduce Inventory
The cost of carrying inventory makes up a large percentage of the overhead for many small businesses. While it’s essential to provide your clients with what they want, there are ways to do that while trimming your inventory. First, review your inventory to identify which items are hot-sellers and which have been sitting on the shelf gathering dust. Next, locate the items that generate the best profit for your business. Finally, trim the low-profit and slow-selling items from your inventory. You can even turn this action into a benefit that can be conveyed to your customers. Turn an inventory reduction into a “specialization.” For instance, one gift store business reduced inventory by carrying only products made by indigenous people around the world. The resulting reduction in overhead has allowed the business to expand their marketing efforts, and the increase in cash flow is the overall result.3. Renegotiate the Cost of Regular Business Services
Most small business owners are too busy to price-shop, but you’ll find that you can negotiate lower costs for regular services your business buys by doing just a little price shopping. Call around and get three to for quotes for regular business services, including insurance, long distance phone service, equipment maintenance, and delivery services. Once you find the best rate, go back to your current supplier and suggest they meet the price. If they refuse to do so, consider setting up an account with another, less expensive service.4. Join a Buying Co-op
Buying in bulk is always less expensive. Many small business owners are now forming buying co-ops to purchase office supplies and equipment in bulk. For instance, many office supply stores offer discounts for buying paper, ink, or toner in bulk. If you don’t already have a buying co-op in your area, call up a few of your fellow small business owners and create one from scratch. You can also call your local Chamber of Commerce to see if a buying co-op exists in your area.Reducing small business overhead is really a matter of paying attention to the details. Often, the savings you get from renegotiating your insurance policy or buying in bulk may not seem like much, but if you add up all the small savings you’ll find that your average annual savings can be significant. These days, when cash is vital to business survival, pinching pennies where you can is often the difference between a thriving enterprise and a bankrupt business.
4 Ways to Decrease Small Business Overhead and Increase Cash
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Learn Digital Photography Now – Solving Some Concerns In Digital Macro Photography
We have always found that looking at objects from another perspective is fascinating. This is because of the fact that we often discover new things just by looking at a familiar object from a different angle or focus. This might be the reason for people’s fascination with digital macro photography.Digital macro photography is an art. There’s no question about that. It takes the genius of an artist to take something so ordinary and something so dismissible and turn it into something that just captures an aspect of life. For that is what art is. No art ever claimed to contain all the truths of life. Art is a reflection of the world through the eyes of the artist. By looking at a piece of art such as digital macro photography, we get to share the perspective of other people and that can be a very powerful connection.One thing to understand about digital macro photography is that it is not easy. Many factors come into play in creating an amazing photograph. But what are these factors?1) Skills – You need to have the skills necessary for digital macro photography. This includes the ability to see those fragments of beauty within the world that would be shared with those that would view your work. You also need technical skills such as a steady hand. When taking digital macro photographs, even hardly perceptible movements of the hand can spoil your picture.The ability to use a camera correctly is a must. Knowing when and how to adjust the camera accordingly can make the difference in capturing the image that you are striving for. While you can edit digital macro photography, the perfect shot begins with the camera.Photography skills come naturally for some. But know it is still essential to polish these skills by taking classes or attending workshops. The goal in digital macro photography is centered on showcasing things in news ways and perspectives. Keeping this in mind, know that people may view your work differently from the way you designed it to been seen. A new point of view never hurts and only creates another facet to your vision.2) Equipment – you also need the proper tools in order to express your talent. The proper tools can help you a lot if you want to achieve the effect that you want. Remember that although there are tools today that claim to be usable for any type of photography, you should try to find equipment that’s specially made for digital macro photography. This is because such equipment can definitely bring out the best in your skills.The proper equipment is crucial since digital macro photography requires a lot of skill and practice to be perfected. With the right tools for digital macro photography, this goal can be reached much easier and will present your photos to the best of you and your subject’s ability.3) Subject – Most everything holds a new level of interest when viewed in different ways. However, there are some subjects more appealing than others. When choosing your subject of digital macro photography you might find even yourself surprised at the new things you see within an object from a different vantage point. The best subjects of digital macro photography are those that open a door to a new world from the everyday. So keep in mind the power of your photography subject.
Looking at Four Different Types of EBook Exercise Programs
Although I have reviewed all the programs I mention here, I always strongly recommend that you consult your doctor before starting a new fitness program.High powered muscle building exercise programs: – for body builders, teens looking to develop a better body, men who are in challenging careers (fire, rescue, military, police or professional athletes). Characteristics: Mix of exercises that develop major muscles. Not necessarily heaviest weights. Earlier programs were looking for huge muscles. Newer programs are now geared towards athleticism rather than just bulk. These intense programs can be used alone or paired with a natural food diet.Examples: Bells, Bags and Body Weights, Supersize Your Strength, The Body Bot Fitness Software, Old School New BodyExercise Programs looking to build a lean athletic body: These programs offer the opportunity for you to learn how to sculpt your own body and keep it long term with specific exercises and diet. They are quite intense and demanding. They are especially useful for actors, models and high profile individuals whose careers depend on their appearance.Examples: Visual Impact Muscle Building, Visual Impact for WomenHolistic weight loss programs: These offer more mental exercise along with regular exercise and incidentally may include a natural diet. They use neurolinguistic suggestion and hypnosis. The process tends to be slower but gentler physically.Examples: The Gabriel Method – Total Transformation Online Program, Program Yourself Thin, The Weight Loss Non-Diet ProgramIntense Exercise Programs for Women: These programs work to sculpt and build a lean feminine body. The exercises could be unsuitable for older women or those who are seriously out of shape.Examples: Female Full Body Beatdown, The Ideal Body Blueprint for Women, Visual Impact for Women, Flavia DelMonte’s Full Body LiciousThere are a great number of exercise programs that are specifically paired with diets. They also come in a variety of intensity and methods.For Women: You want a program that is designed for your lighter frame and that matches your body type. Also the diet portion should be keyed to your hormonal makeup. You should not follow a “cookie cutter program”. Men have different diet and exercise requirements from yours. If you’ve tried and failed in the past, that may be a big part of your failure. Never think it was your fault!!You may see an ad for an “ebook” but find it won’t work for you once you’ve bought it. Don’t hesitate to request help and if that doesn’t address your problem, request a refund. Don’t stick with something you feel is not good for you. Your goal is to improve your health and quality of life.For Men: You have many more programs available for you than for women. You need to select the right one for you. Will it match your goals? How intense are the exercises? Just because a program offers both diet and exercise doesn’t mean it’s for wussies. Some of the diets are extreme and that can mess up your metabolism. Extreme exercises can injure you. Look for online reviews that give you frank evaluations. Your goal is to improve your fitness, your health and the quality of your life.Forgive me for repeating: I strongly recommend that, whatever your circumstances, you consult your doctor before starting a new fitness program. This especially applies to any program that is identified as intense. Good luck and good health!
Technology Equipment and Software Financing
Technology equipment and software are very important for a business in today’s world. Technological or software equipment includes new computer system, routing software, safety equipment and so on. These types of equipment are generally very expensive and so the need for technology equipment and software financing arises. However most of the traditional lenders may not be ready to finance technological equipment or software. This is due to their inability to understand the purpose and type of this equipment. Therefore an expertise approach is required to understand the need for technological and software equipment. There are some genuine financing companies that offer help to acquire these types of equipment.There are various categories of technology and software equipment. Therefore various options are allowed by financial institutions to get technology equipment and financing help. Audio visual equipment is one among them which includes cameras, sound equipment and so on. This equipment is really important for companies that specialize in audio video. Seeking the financial assistance of financing companies is required due to high price tags of this equipment.Safety and security equipment is essential for certain companies. These types of equipment include metal detector, alarm equipment, closed circuit TV, digital video recording, motion detector, security gate, fire suppression and so on. These types are vitally important for maintaining the personal safety and security. Due to its highest price ranges, most of the companies could not afford to buy it. But technology equipment and software financing makes it possible for almost all companies to acquire safety and security equipment.Telecommunication equipment helps in effective business communication. Thanks to these types of equipment, many companies are functioning properly without any communication gap. Latest telecommunication equipment is available now which helps in effective communication. Broadcasting equipment, multiplex equipment, telephone system, transmitting equipment etc are really important for a modern office. However their price ranges are extremely high making it impossible to afford for small and medium companies. Technology equipment and software financing is the only best option to meet all the essential requirements.Computer hardware is essential for most of the companies. Since their prices come down, most of the companies can get it easily. The data storage equipment, server, work station, network etc are vitally important for any business in today’s world. But the computer hardware has undergone constant changes. When the existing hardware becomes old, you need to buy a new one. This situation calls for the help of technology equipment and software financing.Software financing is required to acquire the latest software. The traditional lenders would not be willing to provide financial assistance to buy the software. However accounting software, ecommerce software, manufacturing software, CAD software etc are essential for the business operation of most of the companies. In fact, every company requires certain type of software. Some of the reliable financing companies recognize the need for software financing and they offer essential help.Since there are no embarrassing procedures for getting the technology equipment and software financing help, any company can apply for the financial assistance from the valid financing company.