Because parents must work outside the home, there will always be a demand for childcare. According to the Bureau of Labor Statistics, in 64 percent of married-couple families, both husband and wife work outside the home. There are nearly 12 million children under the age of five in child care each week in the United States. With concerns about quality child care, the trend is to move away from large operations and turn to the small services located close by work or home. This increase in small day care operations creates a huge opportunity for someone who loves children and wants to create a business dedicated to taking care of them. A child care service makes an ideal home based or part-time business. Start-up costs are low. You do not need an office. You do not need any costly special equipment. All you need to get started is an approved facility and a desire to succeed. Here is the manual you need to be successful in this highly profitable segment of the service industry.
Every day federal, state, and local government as well as other organizations including corporations and foundations give out more than a MILLION DOLLARS IN FREE GRANT MONEY. A grant is essentially a gift. It goes to an organization, municipality, business, or individual to enable them to continue conducting their activities or research. You or your organization may be eligible for millions of dollars in free grant money. Grant money does not have to be returned or paid back. Unfortunately, many grants are not awarded because of improper filing procedures, and or poorly written proposals, and so literally millions of dollars go unclaimed every year.
If you enjoy working with people and working outdoors, operating a small nursery, landscaping, or lawn service may be the perfect business for you. In fact, many operators combine all three of these elements to make an ideal year-round business. This complete manual will arm you with everything you need to get started and run with your new business, including: business forms, contracts, and worksheets and checklists for planning, opening, and running day-to-day operations. You will learn dozens of other valuable, timesaving tools of the trade that no business should be without.While providing detailed instructions and examples, this book leads you through every detail that will bring success. You will learn how to draw up a winning business plan and about deciding on a name, choosing the right equipment, and selling your other services to your present customers.
Book & CD-ROM. Many designers go into other areas of the fashion industry, including: fashion buyer, fashion co-ordinator, retail store manager, and many more. You do not need to live in New York City, and you can start out small or even part time. Ralph Lauren''s Polo empire was established on a small men s tie collection that he sold to Bloomingdales. Demand for fashion designers should remain strong, as consumers hungry for new fashions and apparel styles will spur the creation of new clothing and accessory lines. This book is a comprehensive and detailed study of the business side of the fashion, fashion design, and consulting business. You will learn everything from the initial design and creation to manufacturing and marketing. If you are investigating opportunities in this type of business, you should begin by reading this book, hopefully picturing yourself producing the perfect dress worn by one of Hollywood s elite. If you enjoy working with people and keeping up on the latest trends, this may be the perfect business for you. Keep in mind this business looks easy but, as with any business, looks can be deceiving. This complete manual will arm you with everything you need, including sample business forms; contracts; worksheets and checklists for planning, opening, and running day-to-day operations; lists; plans and layouts; and dozens of other valuable, timesaving tools of the trade that no designer should be without. While providing detailed instruction and examples, the author leads you through every detail that will bring success. You will learn how to draw up a winning business plan (the companion CD-ROM has the actual business plan you can use in Microsoft Word) and about basic cost control systems, copyright and trademark issues, branding, management, legal concerns, sales and marketing techniques, and pricing formulas. You will learn how to set up computer systems to save time and money, how to hire and keep a qualified professional staff, how to meet IRS requirements, how to manage and train employees, how to generate high profile public relations and publicity, and how to implement low cost internal marketing ideas. You will learn how to build your business by using low and no cost ways to satisfy customers, as well as ways to increase sales, have customers refer others to you, and thousands of great tips and useful guidelines. This manual delivers innovative ways to streamline your business. Learn new ways to make your operation run smoother and increase performance. Successful designers will appreciate this valuable resource and reference it in their daily activities as a source of ready-to-use forms, Web sites, operating and cost cutting ideas, and mathematical formulas that can easily be applied to their operations. The companion CD-ROM contains all the forms in the book, as well as a sample business plan you can adapt for your own use.
Each year millions of high school students dedicate a Saturday morning to taking the Scholastic Aptitude Test, more commonly referred to as the SATs. These tests are important because 92 percent of colleges require applicants to report their scores. In 2008 the average score for critical reading was 502, for maths 515, and for writing 494. How can you boost your scores and stand out from the crowd when applying to college? Reading this book and employing the practices found within, is one way to do so. In this new book, you will learn about and understand the scoring system, as well as the format and content. You will learn how to read questions correctly, how to control your anxiety, and how to approach each section. In addition, you will be presented with a list of resources to help you prepare and dozens of teacher-recommended strategies. The book is filled with maths, English, and writing practice questions; step-by-step instructions on writing an effective SAT essay; reviews of critical reading, grammar, and correct usage; and reviews of the most important maths concepts. Some of the study strategies included are answering the easy questions first, making educated guesses, and budgeting your time. This book also directs you to a variety of resources for more practice tests, guidelines, and information about the standardised test which was taken by over 1.5 million students in 2008. Instead of panicking and worrying about the SATs, pick up this book and be confident in your test-taking abilities. Whether you are taking the test for the first time or for the fifth, you will learn valuable information and practical tips for improving your score.
Although there are graduate schools all across the country, only a select group of people are admitted to these programs each year. Many people become overwhelmed by the process of choosing and applying to grad school, as well as the possibility of rejection. However, with this new book, you can significantly increase your chances of being accepted to the grad school of your choice. This carefully researched book contains valuable information for those who are still in college and intend to apply for grad school and those who are returning to school after a hiatus. Whether you are applying to grad school to prepare for a profession, get a specific job, potentially earn more, or simply for personal achievement, this book will explain exactly what you need to know in simple, easy to understand terms. You will learn how to choose a school, how to determine a program of interest, how to resolve unforeseen problems, such as a lost transcript or delinquent recommenders, how to conduct research online, how to request transcripts, how to ace the personal interview, how to deal with rejection, and how to accept or reject an offer. In addition, you will create an application timeline, take practice Graduate Record Exams (GRE) and Graduate Management Admission Tests (GMAT) to determine how much preparation time you need, draft highly effective letters of intent and reference, write an engaging statement of purpose, apply for financial aid, choose samples of your work to submit with your application, and conduct informative on-site visits. Whether you are applying to law school or medical school or you are pursuing your doctorate in a liberal arts field, this book will provide you with all the information you need to ensure that you achieve your academic goals.
Recent estimates have shown that there are more than 100,000 active reverse mortgages in the United States, and that number is on the rise. Reverse mortgages allow people over the age of 62 to release the equity in their property and defer payments until the homeowner dies. As these mortgages become more and more popular, it is becoming increasingly important for senior citizens to understand the process and the features of this unique loan. This book does just that, explaining everything you need to know in easy to understand terms. In this new book, you will learn about the details of new legislation, payment plan options, tools that will help you calculate loan advances, financing fees, what to do with leftover equity, borrower qualifications, common mistakes people make, resources for securing reverse mortgages, and planning strategies. You will also learn about the types of reverse mortgages, including the Home Equity Conversion Mortgage, the Financial Freedom Cash Account, and the CHIP Reverse Mortgage for Seniors, and the different ways to receive payments, such as tenure, term, line of credit, modified tenure, and modified terms. In addition, you will learn about the steps involved in a reverse mortgage, from the application to processing, from underwriting to closing. This book also goes into detail about how to convert equity into tax-free income, how to determine how much money you can get, how to determine if your home qualifies, how to shop for the best products, how to find a counsellor, how reverse mortgages differ from other loans, and how to minimise set-up fees. This book will provide you with the answers to commonly asked questions, such as, Is it possible for me to lose my home? What effect does my age have? What effect will my needs for long-term care have? By reading this book, you will completely understand everything there is to know about reverse mortgages, enabling you to make wise decisions and maintain your financial independence.
Many people invest in real estate, from second homes to apartment complexes, condos, townhouses, and commercial buildings and realise a profit from doing so. However, real estate investors have begun to discover that there are a plethora of tax issues associated with buying and selling real estate. This guide takes the mystery out of these tax issues and even provides you with tax planning strategies. In this new book you will learn how to implement tax savings programs successfully to reduce or eliminate the resulting income tax from the sale of real estate, how to use the IRS tax code to your advantage through depreciation, how to set up annuity trusts and charitable remainder trusts, and how to avoid paying federal taxes. You will become knowledgeable about the different types of 1031 exchanges, including deferred exchanges, simultaneous exchanges, forward delayed exchanges, construction exchanges, reverse exchanges, two-party exchanges, and three-legged exchanges, as well as the advantages and disadvantages of each. Additionally, you will learn about capital gains taxes, tax and legal loopholes, recapture of depreciation, deferring taxes, reducing a home s tax basis, instalment sales, tax liability, minimising taxes on final divestment, stepped-up basis, taxation at the time of sale, and like-kind rules. It does not matter if you are a first time investor or a veteran of the real estate market; you will find valuable information, along with tips and tricks, in this book. Tax issues can strain resources and drain profits, but if you implement the strategies in this book you will be able to limit your taxes, thereby increasing your earnings.
It is no secret that investing in real estate can significantly boost one''s income. Mane people begin by investing, in single-family residential properties and work their way up to commercial properties such as duplexes, triplexes, and quads. However, moving from one to the other may seem like a big leap. This book will make the transition effortless, as it explains everything you need to know in easy-to-understand language and points out dozens of hints and suggestions. By reading this extensively-researched book, you will become knowledgeable in all areas of commercial real estate investing, including cash flow, appreciation, tax benefits, equity build-up and leveraging, due diligence, gross rental income, vacancy loss, operating expenses, debt service, zoning, triple net leases and contracts. You also will learn about the potential gains and losses, the consequences, loans, proven techniques, effective strategies, advantages and disadvantages of direct and indirect investing, and asset management techniques. Whether you are a new investor looking to get started or a seasoned veteran looking to enhance your portfolio, this guide provides you with all the information you need to accomplish your investment goals.
One of the most critical decisions a person must make when crafting a will or establishing a trust is whom to name as executor or trustee. Being chosen for these important jobs is an honor, and you must know how to perform the tasks correctly. With the help of this book you will understand the complex process of carrying out a person''s final wishes. This book will provide insight whether you are a lawyer, accountant, financial consultant, spouse, adult child, relative, or friend; the simple, easy to understand language makes this book accessible to everyone. You will become familiar with many estate and trust management terms, such as beneficiary, probate, remaindermen, trust agreement, trust property, trustor, and trustee. In addition, you will learn the many duties and responsibilities of an executor, including the disbursement of property to the beneficiaries, collecting and arranging for the payment of debts, approving and disproving creditors claims, calculating taxes, filing forms, assisting the estate attorney, acting as the representative of the estate, inventorying and appraising the assets, and acting in the best interests of the deceased. After reading this book, you will know how to initiate probate; how to preserve the value of the estate; how to notify beneficiaries; how to send notices to the post office, banks, utilities, and credit card companies; how to file for Social Security, civil service, and veteran benefits; how to file tax returns; and how to file state death and federal estate tax returns. As executor, you will be responsible for settling the deceased person''s estate and as trustee, you will be responsible for holding and administering the trust assets in the best interests of the trust''s beneficiaries. Using this book as a guide, you can be assured that you will be prepared to properly perform the necessary duties entrusted to you.
It is estimated that five out of ten people turning 67 will use a nursing home at some point in their lives and many will need home care and other related services as well About two-thirds of people in nursing homes have no living relatives. And about 70 percent of all nursing home patients are women. Nursing home costs are estimated to be $75,000 in 2009, which would economically devastate most families. The federal government will not be helping either, unless you are without any assets, Medicare will cover you for a maximum of 100 days, but there are no social security benefits to cover any of these expenses. The only program that can assist you is Medicaid, but the catch is you must qualify. You can protect yourself from Medicaid nursing home costs by taking action now while you still have your health; the key is in the planning, which this new, groundbreaking book will assist you with. On February 8, 2006, President Bush signed a law called the Deficit Reduction Act of 2005. This law makes sweeping changes to the ability of seniors to transfer (gift) assets to their children and grandchildren. The information you use must be up to date. You will learn all the LEGAL means to protect your assets: The Federal Spousal Impoverishment Act, Medicaid trusts, including what they are and how to use them, and Medicare supplemental insurance. You also will become knowledgeable about asset protection strategies, annuities, long-term care insurance, wills, assets, settlement costs, executors and trustees, life insurance, living trusts, living wills, durable power of attorney, catastrophic illness, potential long-term care needs, marital deductions, types of trusts, federal and state exemptions, irrevocable life insurance trusts, gift splitting, survivorship deeds, charitable remainder trusts, 529 plans, health care proxies, power of attorney, gift tax issues, generation skipping transfer tax, and tax deferred accounts. In addition, you will learn how to legally and properly transfer assets and how to exempt the value of your principal residence. Through proper planning, much of your assets can be preserved within the family. This book will guide you through the complex state and federal rules that are required for successful asset and income protection planning. Many books on asset protection indicate that you do not need the services of an attorney, but we highly recommend that you hire an attorney who is well-versed in this area to assist you. What this book will do is explain the complicated issues, terminology, and planning strategies of asset protection to the layperson so that when you meet with a qualified attorney you will be well prepared, versed in the language, and ready to discuss issues and strategies, saving time, legal fees, and ensuring peace of mind.
As home prices in the U.S. hit record highs, Mexico has emerged as a solid contender for people who are considering either buying second homes or investing in a holiday home or future retirement properties. The U.S. State Department estimates that there are 385,000 Americans permanently liv-ing in Mexico. This book details precisely what to look for in real estate investments and buy-ing prospects, as well as how to find the best opportunities, buy with little or no money down, decide where to purchase, and how to choose and hire a realtor. You also will become knowledgeable about negotiating and financing, budgets, home-buying timelines, the process of building a house, homeowners'' insur-ance, creative financing, closing and settlement inspections, legal contracts, what you can afford, and which government agencies can help. This book is a must-have for the investor considering a second home below the border.
Book & CD-ROM. American homeowners have seen real estate landscape change in recent years. The market seems gloomy now, but for sale by owner (FSBO) properties are booming with more people eager to cut out the commission of real estate agent. And with most U.S. cities having buyer''s markets, you have to go that extra mile to sell your home. Now, there is a book to show you how. This guide details each benefit FSBO brings and explains how you can accomplish this task while saving money. Now, selling your home without a realtor or broker will be fast and easy. You will learn the entire FSBO process. You will learn how to set the sales price and how to save the 6 to 8 percent real estate commission, which can add up to thousands or tens of thousands of dollars in savings. You will learn how to stage your home for a showing and have a professional appraisal and home inspection to ensure a successful sale. You will learn how to market, advertise, and show your home, list your home for sale on the Internet or local multiple listing service (MILS), host an open house, and develop and market a fact sheet. If selling your home is on your list of things to do, do not the current market deter you: Let this book be your guide to saving money and selling your house the FSBO way. The companion CD-ROM contains contracts, legal forms, and checklists to help you to sell your home.
The books in this series from the editors of the Food Service Professional are the best and most comprehensive books for serious food service operators available today. These step-by-step guides on a specific management subject range from finding a great site for your new restaurant to how to train your wait staff and literally everything in between. They are easy and fast -to-read, easy to understand and will take the mystery out of the subject. The information is "boiled down" to the essence. They are filled to the brim with up-to-date and pertinent information. The books cover all the bases, providing clear explanations and helpful, specific information. All titles in the series include the phone numbers and web sites of all companies discussed. What you won''t find are wordy explanations, tales of how someone did it better, or a scholarly lecture on the "theory". Every paragraph in each of the books is comprehensive, well researched, engrossing, and just plain fun-to-read, yet are packed with interesting ideas.
The books in this series from the editors of the Food Service Professional are the best and most comprehensive books for serious food service operators available today. These step-by-step guides on a specific management subject range from finding a great site for your new restaurant to how to train your wait staff and literally everything in between. They are easy and fast -to-read, easy to understand and will take the mystery out of the subject. The information is "boiled down" to the essence. They are filled to the brim with up-to-date and pertinent information. The books cover all the bases, providing clear explanations and helpful, specific information. All titles in the series include the phone numbers and web sites of all companies discussed. What you won''t find are wordy explanations, tales of how someone did it better, or a scholarly lecture on the "theory". Every paragraph in each of the books is comprehensive, well researched, engrossing, and just plain fun-to-read, yet are packed with interesting ideas.
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