Lowes Credit Card Sign - What You Should Know Before You Hire A Home Improvement Contractor. The content is good quality and helpful content, Which is new is that you simply never knew before that I do know is that I even have discovered. Before the unique. It's now near to enter destination What You Should Know Before You Hire A Home Improvement Contractor.

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Home Improvement Contractors (HIC) and Home Improvement Salesman (HIS) are required by law in almost every jurisdiction in the United States to be registered and licensed. Licensing procedures are generally done by Municipal or local agencies of the respective State. For example, HIC and HIS are licensed by the Department of Consumer Affairs in New York City.

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As you might be aware, many of these Home Improvements Contractors and Salesmen are "fly by night" operators who misrepresent and fraudulently swindle millions of dollars from innocent home owners every year. Many of whom run and operate their scams out of their Vans, Trucks and SUV instead of a physical business address. Many years ago, the home improvement trade was referred to as the "Tin Men" industry where high powered salesmen sold aluminum sidings to homeowners with over 500-1000 per cent mark ups in many cases. Many of those same homeowners ended up with huge second mortgages, mechanic liens and foreclosures in many cases against their properties.

If you are a homeowner making plans to renovate or improve your properties, these are some tips on how to select or chose the right Home Improvement Contractor for your next project. First and foremost, ask HIC and HIS for proof of license, business card showing address, phone number, website, email addresses, etc. Their licenses should be imprinted on business cards. Next, ask for references or testimonials. Try to get at least 3-5 references and make sure not only to call them, but go over and look at the work that was done first hand. Visual inspection is always crucial in deciding on a project. Most importantly, get at least 3-5 written estimates from other HIC/HIS and compare prices. It is never recommended to sign a contract on the spot with any of these high powered salesmen. Take time out to think about the quote or estimate, compare prices and most importantly, call your local municipal or agency to verify that the HIC and HIS are legitimate. It is also a good idea to find out if the HIC you are contemplating to do business with carry what is called a Home Improvement Trust Fund. This is a fund that each HIC is required to pay into so if a homeowner gets scammed, he or she can seek restitution directly from the Agency that licensed the HIC or HIS. Last but not least, try not to give a deposit during the execution of contract. Give yourself that 3 days cancellation right that you are entitled to, so you can think about the transaction or offer. If in any case you are required to give a down payment or deposit, give a very small deposit (less than 10 per cent) if possible. Always keep in mind, never give more than you can afford to lose. If the HIC or HIS is legitimate, they will not ask or insist on getting a deposit up front. They should be credible enough to have accounts/credit with Suppliers such as Home Depot, Lowes, etc., to get materials delivered to your property. Beware of HIC or HIS who desperately seek huge deposits up front. Some of them will demand that you write the check in their names or give them cash. Do NOT do it. That is the first sign to detect an illegal operator. You should write the check to the Company or use a credit card. If they refuse, you should show them the door or call the Police.

In conclusion, let me recommend that you seek a progress payment plan with your Contractor. In other words, you pay them as they go along based on your approval, and most importantly, the Municipal Building Inspector's approval. You do NOT want to pay a Contractor until or unless the Inspectors give a green light certifying that the work is done professionally and in accordance with local building codes. Ask your Contractor to allow you to hold back at least 10 per cent of the final payment, or better yet, the total contract price for at least 60-90 days after completion, so as to make sure that the work was done correctly. Just imagine getting a roof done for example, and only to find out after a heavy downpour that your roof leaks. Many Contractors do not come back to repair their shoddy workmanship when they get paid. Hold back some money! If you financed your project through a bank or third party lender, get that finance company involved. Make sure that they do a visual inspection of the job that was done and also sign off with the job before they release final payments to the Contractor.

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Sears Credit Card Payment - Tips on Buying Bank-Owned Repossessed Vehicles. The content is nice quality and helpful content, Which is new is that you just never knew before that I know is that I have discovered. Prior to the unique. It's now near to enter destination Tips on Buying Bank-Owned Repossessed Vehicles.

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If you are planning to buy a car but your budget is still below the projected price range of a brand new car, then don't wait much longer until your savings are enough to pay the price. In fact, you can now have your own car today visiting auctions sites that offer bank owned repossessed vehicles which will only cost you about 50% to 90% off their brand new prices.

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These vehicles are mostly owner driven and properly maintained. They were purchased by previous owners through bank financing loan which they failed to make the required payments on a monthly basis; hence, the bank repossessed them to minimize their risk exposure. In order to convert them to cash, banks sold them through auctions houses at a cheap minimum bid price. This will ensure that these vehicles are easily sold and converted into cash as early as possible.

Bank owned repossessed vehicles offer you a great way to finally have your dream car at a very affordable rate. Their prices are generally cheap that can easily fit in with your budget. Their qualities are most often preserved, except for some cases where accidents are involved. Hence, prior to placing a bid on a specific car that appeals to your interest and criteria, be sure to make a detailed inspection on the unit in order to identify its problems.

If you feel you are not an expert in this area, then find an expert who will do the inspection for you. Read also the required documents prior to signing them in order to avoid any future problems. Once you have fully inspected the car and find it in good condition, then start bidding on it. When bidding for a specific unit, you should have a projected maximum bid; beyond that, let it go rather than paying for them at a very high price. Don't worry, there are still many other bank owned repossessed vehicles to choose from.

There may be some negative aspects in buying second hand units; but most often, it has more benefits to offer. You just have to make the right choice in selecting the unit; as well as the right price for that specific unit in order to get real bargain from your purchase of bank owned repossessed vehicles.

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Lowes Credit Card Sign - Credit Card FAQs - What If I'm Turned Down?. The content is good quality and helpful content, That is new is that you never knew before that I know is that I even have discovered. Before the unique. It's now near to enter destination Credit Card FAQs - What If I'm Turned Down?.

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So, you've filled out the application and are waiting for your brand new, shiny credit card to arrive in the mail. But when the letter finally arrives, you're not greeted with a new credit card, but a denial letter instead. What to do? Read the fact below and determine your next steps.

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1. What are some of the reasons that I can get turned down for a credit card?

There are many reasons that people are turned down when they apply for credit cards. Every credit card company has its own rules and guidelines - and in many cases, those guidelines vary from credit card to credit card issued by the same company. Some of the reasons that you might get turned down for a credit card include:

a) Insufficient income. If your income is ,000 a year, be sure that you apply for a credit card that will accept someone with a ,000 annual income.

b) You've been recently rejected by too many other companies

c) Your credit history is poor. It will show if you've missed payments or made them late, or if you've defaulted on a loan in the past. Some lenders will overlook bad credit and offer you a credit card with a higher interest rate, or a secured credit card.

d) You don't have a credit history. If you have no credit history, many lenders won't consider giving you a credit card because they have no way of judging whether or not you'll pay them back.

e) Your credit report may have mistakes in it.

f) Your available credit may already be higher than the credit card issuer is comfortable with. Remember, the more credit card debt or availability that you're carrying, the thinner your income must be spread to pay them all off.

2. What can I do if I get rejected by a credit card company?

Anytime you're rejected for credit, the credit card company is required by law to tell you the reasons on which they based their decision. They must also tell you which credit reporting agency they got their information from. If you've been rejected, you can write to, call or email the credit reporting agency that they contacted and request a copy of your credit card report for free. Look it over carefully to make sure there are no errors.

3. After I checked my credit history because I was turned down by a credit card company, I found that there were mistakes on it. What can I do to fix them?

Immediately write to the credit reporting agency from which you got your report and ask them to correct the mistakes. The more proof you provide to back up your claim of error, the better your chances of having the error completely expunged, but the credit reporting agency is required to at least note that you have asked for the report to be corrected.

4. If one credit card company turned me down, can I apply to another?

You can not only apply to another credit card company, you can apply for a different credit card product with the same company. Every credit card has different guidelines for acceptance. Just be sure to shop around and only apply for the one or two cards that you feel you have the best chance of being accepted for. Too many rejections in your credit history can hurt you when you're looking for a loan for something important.

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Target Credit Card Sign - Understanding Your Client's Needs. The content is good quality and useful content, Which is new is that you never knew before that I know is that I actually have discovered. Before the unique. It is now near to enter destination Understanding Your Client's Needs.

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Successful businesses are those that clearly understand their client's needs and address them. Businesses have to understand that their most valuable asset is their existing client list and make sure that they maintain a good, lasting relationship with them. When the needs of the clients are understood accurately, appropriate changes may be done to the business such that clients or customers will be satisfied that they got what they needed.

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Understanding Your Clients' Needs: Things to Consider

When customers buy a product or a service they do so due to several motivating factors such as a desire to own, fear of loss, for security and protection, comfort and convenience, pride of ownership and to satisfy their needs. When we understand these factors and know how to market our products in such a way as to induce a need for the product or service, our products or services will definitely be successful. Presenting the products or service in such a way as to motivate the client to purchase them is therefore very important. Understanding your client needs will be easier if you look at things from the clients' perspective. Make sure that you provide products of good and lasting quality that customers will want to keep coming back to you for any other purchases. Keep in contact with your customers by sending them permission-based e-mails, making them constantly remember your products or services so that when they need such products or services they will consider using your products. Change the quality, features of the products as per the needs of the clients will ensure that customers or clients are satisfied. After sales service will also go a long way in helping retain customers, make sure that the customer is treated well and returns home happy. Word of mouth publicity is the best way to boost sales as well as increase credibility.

Have Frequent Interaction:

You can understand your client needs better by interacting with them more, providing them a chance to give suggestions by installing suggestion boxes and incorporating new suggestions as applicable. Certain businesses use surveys on the Internet to gauge their client needs. Thoroughly research your target client and the market for your products or services, find ways to interact with the clients such as through sales representatives talking to them, documenting all the information, analyzing them and making appropriate changes to improve your products will help in understanding your client needs better. People like to get value for money, good quality product, and good salesmanship and after sales service. When all aspects such as price, quality and presentation of the product are appropriate, the clients will definitely buy the product or the service offered understanding these factors will help improve a business.

There are firms that offer their services and products to help new entrepreneurs run a business smoothly and hassle-free.

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Lowes Credit Card Sign - 3 Ways to Teach Your Children About Credit Cards. The content is nice quality and helpful content, Which is new is that you simply never knew before that I know is that I have discovered. Prior to the distinctive. It is now near to enter destination 3 Ways to Teach Your Children About Credit Cards.

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There is a school of thought which suggests that, if schools were required to teach courses about responsible borrowing and finance management, Americans wouldn't have the debt problems we have today. This makes a lot of sense. Imagine what a different world we'd live in if our parents and grandparents had been well educated in the proper use of credit cards.

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Since schools don't offer credit card courses (yet), it's up to parents to teach their kids how the credit world works. This is a lot easier than it sounds. In fact, you can have a lot of fun while you're at it. Here are three entertaining ways to teach your kids about credit cards.

Show them your credit card statements. Paying your credit card bills might not be your idea of fun, but the process is very interesting to children. They'll enjoy trying to make sense of the credit card statement. Point out things like finance charges, fees, and interest rates. Show them what a cardholder agreement looks like. Explain to them how charging a purchase can cost more than paying cash. Many kids think of credit cards as 'free money'. Once they understand how credit cards work, they might even scold you for charging too much!

Ask for their advice. Children are always being told what to do. They'll be delighted when you come to them for 'advice'. Explain to them how much money you make each month, and how much you pay in credit card debt. Ask them to recommend some changes in spending habits which would enable you to pay off your credit cards faster. Be prepared for some outlandish suggestions, but be equally prepared for surprisingly sensible answers.

Teach them through games. Children learn a lot through playing. Financial games will teach them the concept of income and expenses. Monopoly and Payday are good choices. There is even a game called Cashflow for Kids that introduces children to the consequences of choosing credit over cash. It is produced by the author of 'Rich Dad, Poor Dad', and can be purchased online. Of course, you could always develop a credit game of your own.

Remember, many young adults learn about credit cards for the first time when they go away to college. Credit card issuers target their marketing at students, enticing them to sign up for unnecessary cards by offering them Ipods, clothing, and other merchandise. In addition to the debt incurred from student loans, many college graduates find themselves deep in credit card debt as well.

When you teach your kids about credit card management, you do them a great service. Just think of what you might have done differently if you'd known about hidden fees and interest rate hikes when you were younger. You can't make your children's choices for them, but you can give them the foundation they need to make good financial decisions on their own.

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Lowes Credit Card Sign - Your Best Options for Getting a Bad Credit Charge Card. The content is good quality and useful content, Which is new is that you simply never knew before that I know is that I even have discovered. Before the unique. It is now near to enter destination Your Best Options for Getting a Bad Credit Charge Card.

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Many people assume that if you have bad credit, it's nearly impossible for you to get a credit card. This couldn't be any further from the truth. However it does take a little more work and might require you to pay higher fees. Here are some tips for finding a bad credit charge card that's right for you.

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Friends or Family With Good Credit

If you have friends or family with good credit, the can co-sign for a credit card with you. You'll definitely want to be sure to pay your bills on time since their credit will be on the line as well as your own. But since their good credit history will allow you to qualify for a card, this can look particularly good in the eyes of the credit bureaus and can be a super strategy for boosting your credit rating while also getting a new credit card account.

Local Retail Outlets

Try applying for cards at local retail stores rather than the large banks. Retail merchants will probably be more likely to give you a chance and their criteria are often less strict in terms of how good a credit rating you must have in order to qualify. They might limit your credit line or charge you a higher rate than if you had great credit, but you should still be able to get a credit card from some of them.

This can work in the short term, but in the long term, you really want to have access to a card that can be used anywhere, rather that just at the local clothing or electronics store. Ideally you'll have a standard Visa, Mastercard or similar brand card but a local retail card can act as a stepping stone to one of those cards if you're unable to qualify for one initially.

Local Banks Rather than Large Banks

In the same manner as local retailers, smaller, local banks might be more willing to work with you and extend you a credit line. However, they might require a secured credit line, where you'll need a savings account or some other collateral which will determine your credit limit.

In general, it's a good idea to avoid larger banks. They have so many potential customers and such stringent qualification requirements that they will probably be less likely to work with you if you have severely damaged credit.

Online Credit Card Offers

You can find several good credit card offers online, even for people with bad credit. The best offers include unsecured credit cards such as Visa or Mastercard offers and are offered with no credit check or other hassles as long as you meet some basic, minimal qualifications. They can be difficult to find, but well worth it, especially if you have bad credit. However, these cards should be used as a way for you to get back on your feet and re-establish your credit, not for gratuitous spending.

Whichever option you choose, be sure you pay off your card on time. Since banks are offering credit lines to you regardless of your credit, they are likely to have pretty high interest rates. But as long as there's no annual fee and you don't carry a balance, the interest rate doesn't matter. If you do have to carry a balance, try to pay it off as quickly as possible and don't carry a balance more than half your credit line.

Pretty soon, you'll see your credit rating increase. You'll be able to easily apply for another card with better terms, leaving your old bad credit charge card in the past but thankful that it allowed you another chance to improve your credit.

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Lowes Credit Card Sign - Ideas Using Secured Business Credit Cards. The content is good quality and helpful content, Which is new is that you never knew before that I do know is that I even have discovered. Before the distinctive. It's now near to enter destination Ideas Using Secured Business Credit Cards.

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The most appealing aspect when building corporate credit is the ability to establish and obtain unsecured line of credit. It's true that unsecured loan such as these offer dynamically favorable advantages to the small business owner. The reasons are simple, there is no need for collateral, but credit is based on your business credit score.

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This article will discuss the need for secured business credit cards.

The secured business credit card is crucial to obtain in the early stages of business credit. Obtaining financing that is secured will not only create momentum in the overall build corporate credit process, but will allow for credit to be est. and reported on quickly.

Here's a scenario.

One option a system is the option to choose a secured credit card that can be used at most fuel stations. This is a gas card. This card can also be used for vehicle maintenance, tires, and purchases at convenience stores. This is a very easy car to obtain in the early stages and will report to the credit bureaus. Many times the card is a secured business credit cards.

Although not required, depositing 0 to 0 the is one of the techniques to quickly setting up this account and making small purchases on items that you would purchase read gardening as such as gas in order to establish credit for your business.
Another tremendous advantage to this secured corporate credit cards, is in addition to reporting to the corporate credit bureaus, it will automatically open your business credit profile with 2 of the 3 major reporting bureaus, Dun & Bradstreet. Experian Smart Business.

Secured business credit cards, are more commonly known as VISA, Master Card, American Express. This type of credit will be it turned and obtain in the later stages of the program when credit is est. on the secured business credit cards. There are many types of secured business credit cards, but very few report if any to the corporate credit bureaus. In fact only a handful actually report and will give a corporate credit profile a benefit at all.

Researching and understanding which cards are the most effective to use and guaranteed to work is one of the many advantages of the credit system. Lenders and guidelines policies are all changing quickly, the system relies on our expert team to constantly be monitoring these lines of credit for business, credit cards, and other important credit sources.

Consistent feedback from the thousands of members using this system on a monthly basis is also prove to be incredibly beneficial for everyone using a system. When a member experiences changes, they are encouraged to report. When a member experiences something positive, they are encouraged to report.

On occasion lenders will require a personal guarantee and lists this on to their guidelines, only to find that somebody has successfully gained credit with out using a personal guarantee and shared this information with the group. Their strategy will be studied carefully by the team to determine if the result can be repeated.

As you can see there are many reasons to use a guided system. The process of obtaining cheapest unsecured loans when establishing corporate credit relies heavily on research and feedback from prior success. reverse engineering corporate credit success and tracking the results consistently produces new ways, and new methods, and new strategies to effectively maximize credit in the shortest possible time.

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Lowes Credit Card Sign - Home Depot Credit Card Facts. The content is nice quality and helpful content, That is new is that you simply never knew before that I do know is that I actually have discovered. Prior to the distinctive. It's now near to enter destination Home Depot Credit Card Facts.

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The Home Depot Credit Card is unlike any credit card you've ever known. Not only can you get 6 months of free interest if you spend over 9.00 but you also get opportunities a few times a year to defer payment and interest for a whole year. This is great, especially when you want to buy a major purchase. There are also many discounts and promotions that you can only get if you have the Home Depot credit card.

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You can also choose the credit card that has the rewards program. This is where you get rewarded for buying things at Home Depot using your Home Depot creditcard. You can get free money to spend at HomeDepot. It is a really great program. Review the details of this great program and you will want to sign up.

One of the best features about the Home Depot Credit Card is that there is no annual fee. It is rare to find a credit card these days with no annual fee. This can save you a lot of money. Most credit cards charge an annual fee of over 0.

When you check your local Sunday paper you should look for the HomeDepot ad and see when they are offered their deferred payments promotions. When you spend over a certain amount you pay no payment or interest for one year. This is a great time to sign up for a Home Depot creditcard. If you need to purchase items for your home but, like most of us, are having some financial difficulties, then this is a great way to save some money.

You can also get reduced APR. If you spend 00 or more the interest on your Home Depot creditcard will be reduced by almost 6%. It is a really great option. There is also zero liability on all unauthorized purchases. You can track all purchases on the internet with their internet account.

Remember that if you are planning to make a big purchase at HomeDepot then apply for a HomeDepot credit card for all of its great benefit. Get the rewards with their rewards program and also get the low APR so your payments are even lower. Get a year of no payments if you spend the minimum amount with no interest. Just go online and read the specifics on their creditcard. Apply for the HomeDepot creditcard today and you won't be disappointed!

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Walmart Credit Card Sign - Walgreens, CVS, and Rite Aid - What RE Investors Should Know. The content is nice quality and useful content, That is new is that you simply never knew before that I do know is that I even have discovered. Before the distinctive. It is now near to enter destination Walgreens, CVS, and Rite Aid - What RE Investors Should Know.

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There are 3 major drugstore chains in the US: Walgreens, CVS, and Rite Aid. Below are some key statistics about the 3 major drugstore chains as of 2012:

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1. Walgreens ranks first with market cap of .51 Billion, .2 Billion in 2011 total revenue (.1B from prescription revenues), and an S&P rating of A. According to Walgreens, 75% of the US population lives within 3 miles from its stores. In April 2010, it acquired 258 Duane Reade drug stores in New York Metropolitan area which brings a total of 7841 drug stores Walgreens operates as of February 2012, including 137 hospital on-site pharmacies.

2. CVS ranks second with market cap of .56 Billion, 7.1 Billion in revenue (.5 Billion from CVS prescription revenues and .1B from its Caremark prescription mail order revenue), and an S&P rating of BBB+. As of December 31, 2011, CVS operates 7404 drug stores.

3. Rite Aid ranks third (fourth, behind Walmart in terms of prescription revenues) with market cap of .49 Billion, .1 Billion in revenue (.1B from prescription revenues), operates 4714 drug stores as of February 2011 and has an S&P rating of B-.

Investors purchase properties occupied by these drugstore chains for the following reasons:

1. The drugstore business is very recession-insensitive. People need medicine when they are sick, regardless of the state of the economy. Both rich and poor people in the US have access to medicine. Some even argue that low-income people use more medicine due to free or low-cost drugs offered by government-assisted programs. So the tenants should do well during tough time and have money to pay rent to landlords.

2. The drugstore business has a good prospect in the US:

· People are living longer and need more medicine to sustain longevity, e.g. Actonel for osteoporosis, Aricept for Alzheimer's symptoms. Older people tend to use more medicine than younger ones as they often have more medical problems. As the 78 million baby boomers are getting closer to retiring age starting from 2008, the drugstore chains anticipate the demand for medicine to increase in next 20 years.

· The drug market continues to expand as the US population continues to grow. More and more Americans suffer from various diseases. The number of Americans suffers from seasonal allergies doubled in the last 15 years to 37 million people per Fortune magazine. They spent .4 Billion in 2009 for allergy drugs. As their waist lines balloon (75% of Americans are forecasted to be either overweight or obese by 2020), more Americans are diagnosed with diabetes, along with high cholesterol at younger and younger ages. In addition, doctors also recommend treating various diseases sooner than later due to better understanding about the diseases. For example, doctors now prescribe antiretroviral drugs for patients soon after infected with HIV virus instead of waiting for the infection to become AIDS. More doctors combine insulin with oral medicines to treat type-2 Diabetes instead of just oral medicines alone. All these factors increase the size of the drug market.

· Advance in genetic engineering has introduced various new genetic DNA testing kits which allow the genetic diagnosis of vulnerabilities to inherited diseases and disorders. Genetic testing is currently the highest growth segment in the diagnostics industry. Some of these genetic tests will probably transform into direct-to-consumer testing kits available in drug stores in the near future.Upon FDA approval, these new products will potentially bring in additional revenue for drug stores.

· Using a new method of tailoring molecules called structure-based design; drug companies come up with new medicines that they might not have discovered otherwise, e.g. Xalkori by Pfizer to treat lung cancer.

· The passage of Health Care Reform Bill on March 23, 2010 provides insurance coverage to an estimated 33 million more American. This is a great present to the drugstore industry.

· There are new drugs to treat previously untreatable illnesses, and new diseases, e.g. Viagra for men's unhappiness, Avastin for colon cancer, Herceptin for breast cancer,. The new medicines are very expensive, e.g. a year's supply of Avastin costs about ,000. Eli Lilly has sold about .8 billion of Zyprexa in 2007 for schizophrenia and yet most people have never heard of this medicine.

· There are existing drugs now approved to treat new illnesses and thus increase their sales revenue. For example, Lyrica was originally intended to treat pain caused by nerve damagein people with diabetes. It is now approved by FDA to treat Fibromyalgia which affects 5.8 million Americans per WebMD.

· Big advances in genetics, biology and stem cells research are expected to produce a new class of drugs to treat diabetes, Parkinson's and various rare genetic disorders. For example the new drug Ilaris from Novartis targets genetic causes of an inherited disorder that there are only 7000 known cases worldwide. However, Novartis hopes to gradually broaden its drugs to a blockbuster drug to more common disorders caused by similar genetics.

· Technology and modern life introduce and require new products, e.g. pregnancy test kits, Lamisil for stronger clearer toe nails, Latisse for longer & thicker eyelashes, Propecia for male hair loss, Premarin for menopausal symptoms, diabetic monitors, electronic toothbrushes, contact lenses, lenses cleaners, diet pills, vitamins, birth-control pills, IUDs, nutrition supplements and Cholesterol-lowering pills (Americans spent nearly B in 2006 on Cholesterol medications alone per IMS Health, a Connecticut-based consulting company that monitors pharmaceutical sales.)

· Before the customers can get to the medicine aisles or pharmacy counters, they have to pass by chocolates, sodas, digital cameras, watches, toys, dolls, beers and wines, cosmetics, video games, flowers, fragrances, and greeting cards. Drug stores hope you use the one-hour photos services there. The stores also carry seasonal items, e.g. Halloween costumes, and "As Seen on TV" merchandise, e.g. Shamwow. As a result, customers buy more than their prescriptions and medicine in these drugstores. CVS reported that non-pharmacy sales represented 30% of the company's total sales in January of 2007. The figure for Walgreens is 34% and 37% for Rite Aid. Many pharmacy locations are in effect convenience stores especially ones that are in residential or rural areas. And so Walgreens hopes that customers also pick up WD-40, and screwdrivers at its stores instead of at Home Depot; Thai Jasmine rice, and fish sauce to avoid a trip to Safeway or Kroger Supermarkets. During the recession, sales of these non-drug items are down as customers buy what they need and not what they want. Walgreens tries to reduce the number of items by 4000. It also introduces its own private label which has higher profit margins.

· There are more and more generic medications on the market as a number of enormously popular brand-name blockbusters lose their 20-year long patents, e.g. Lipitor (best selling drug in the world to lower cholesterol) in 2010, Viagra (you know what it's for) in 2012. Drugstores prefer to sell generic drugs to customers due to higher profit margins than the brand-name medications.

· Many people are addicted to pain killers, e.g. Hydrocodone/Oxycodone. Per the DEA in 2012, there are 1.5 million American addicted to cocaine but 7 million addicted to prescription drugs.

· This author estimates that at least 10% of the dispensed prescription drugs are not used at all and sit idle in the medicine cabinets. They are eventually expired and thrown away.

3. These companies sign very long-term NNN leases, guaranteed by their corporate assets. This makes the investment in the underlying property fairly low risk, especially for Walgreens with a S&P "A" rating. In fact, these properties are sometimes referred to as investment-grade properties. Once the drugstore chains sign the lease, they pay the rent promptly and timely. This author is not aware of any properties leased by one of these drugstore chains in which the tenants failed to pay rents. Even when the stores are closed due to weak sales (Walgreens closed 119 stores in 2007), these companies may sublease the properties to other companies, e.g. Advance Auto Parts and continue to pay rents on the master leases.

· A typical Walgreens lease consists of 20-25 year primary term plus 8-10 five-year options. During primary term and options, there will be no rent increases in most of the leases. This is the main disadvantage of investing in Walgreens drugstores.

· A typical CVS lease consists of 20-25 year primary term plus 4-5 five-year options. The rent is normally flat during the primary term and then there is a 2.5%-10% rent increase in each 5-year option.

· A typical Rite Aid lease consists of 20-25 year primary term plus 4-8 five-year options. The lease often has a rent increase every 5-10 years.

Investment Risks

Although the pharmacy business in general is recession-insensitive, there are risks involved in your investment:

1) The main downside about investing in pharmacies is there is little or no rent bump for a long time, e.g. 20-50 years, especially for Walgreens. So the rent is effectively reduced after inflation is factored in. This is one of the main reasons these properties do not appeal to younger investors, especially when the cap rate is low.

2) The 3 drugstore chains now have a new formidable competitor, Walmart. Walmart sells prescription drugs in more than 4000 Walmart, Sam's Club and Neighborhood Market stores in 49 states. As of 2012, Walmart is the third largest drug retailer with .4B in prescription sales, just ahead of Rite Aid with .1B in prescription sales. The retail giant is known for launching in 2006 a highly-publicized generic prescription drug program which now sells 350 generic medications for a 30-day supply. The actual number of medications is less as the medications with different strengths are counted as different medications. For example, Metformin 500 mg, 850 mg, and 1000 mg are counted as 3 medications. Walmart probably makes very little profits on these medications if any. However, the marketing campaign--created by Bill Simon, the President and CEO of Walmart US, generates a lot of publicity for Walmart. Walmart hopes to draw customers to its stores with other prescriptions where it has higher profit margins. In an unscientific survey with just one brand-name prescription of Lyrica, this author finds the lowest price at Costco, the highest price at Walgreens and Walmart at the middle. Other drug chains try to counter Walmart in different ways. Target now offers the same 350 generic medications for for a 30-day supply. Walgreens has a Prescription drugs club with membership fee which offers 1400 generic medications for as little as /week. CVS says it will match any offers from its competitors.

3) Chief Business Correspondent Rick Newman from US World & News Report predicted that Rite Aid might not survive in 2009. Rite Aid is still around in 2012. The prediction seems to go away in 2012 as Rite Aid as it was able to refinance the long terms debts and sales revenue has increased.

4) Drugs are also sold in thousands of supermarkets, Target stores, and Costco warehouses. However, there are no drive-through windows at these stores or Walmart to conveniently drop off the prescriptions and pick up medicines. Customers will not be able to pick up their prescriptions during lunch hour or after 7PM at Target stores or supermarkets. They need to have membership to buy medicines at Costco. Others may not fill their prescriptions at Walmart because they don't want to mingle with typical Walmart customers who are in lower income brackets. And some baby boomers don't want their prescriptions filled at Target or Walmart because there are no comfortable chairs for them to sit down and wait for their medicines.

5) Drugs retail business to some degree is controlled by the Pharmacy Benefits Managers (PBMs). Customers normally get prescription coverage from their health insurance companies, e.g. Blue Cross. These PBM manage prescription benefits on behalf of the insurance companies. In 2012 Walgreens lost a contract valued at over Billion with Express Scripts, a major PBM. Walgreen revenue was immediately fallen in the first quarter of 2012 as Express Scripts customers cannot fill their prescriptions at Walgreens. The PBMs are also in the drugs retail business via mail orders which do not require leasing expensive retail spaces. The prescription mail orders currently capture over 20% market share of the total prescription revenue. Should customers change their prescription purchase habits to mail orders (there is no such evidence in 2012), it could have negative impact to the business of drugstore chains.

6) Many leases in areas with hurricanes and tornadoes are NNN leases with the exception of roof and structure. So if the roof is damaged, you will have to pay for the expenses.

7) The tenant may move to a new location down the road or across the street when the lease expires. This risk is high when the property is located in small town where there is low barrier for entry, i.e. lots of vacant & developable land.

8) The tenant may ask for rent concession to improve its bottom line during tough times. The possibility is higher if the tenant is Rite Aid and if the store has low sales revenue and/or higher than market rent.

9) More Americans are walking away from their prescriptions, especially the most expensive brand-name medicines. This may have negative impact on the sales revenue and profits of drug stores and consequently may cause drug store closures. According to Wolters Kluwer Pharma Solution, a health-care data company, nearly 1 in 10 new prescriptions for brand-name drugs were abandoned by people with commercial health plans in 2010. This is up 88% compared to 4 years ago just before the recession began. This trend is driven in part by higher and higher co-pays for brand name drugs as employers are shifting more insurance costs to their employees.

Among 3 drugstore chains, Walgreens and CVS pharmacies in general have the best locations-at major intersections while Rite Aid has less than premium locations. Walgreens tends to hire only the top graduates from pharmacy schools while Rite Aid settles with bottom graduates to save costs. When possible, all drugstore chains try to fill the prescriptions with generic medications which have higher profit margins.

1) Walgreens: the company was founded in 1901 by Charles Walgreen, Sr. in Chicago. While the company has existed for more than 100 years, most stores are only 5-10 years old. This is the best managed company among the three drugstore chains and also among the most admired public companies in the US. The company has been run by executives with proven track records and hires the top graduates from universities. Due to its superior financial strength--S&P A rating-- and premium irreplaceable locations, properties with leases from Walgreens get the highest price per square foot and/or the lowest cap rate among the 3 drugstore chains. In addition, Walgreens gets flat rent or very low rent increases for 20 to 60 years. The cap rate is often in the low 5% to 6.5% range in 2012. Investors who buy Walgreens tend to be more mature, i.e. closer to retirement age. They are looking for a safe investment where it's more important to get the rent check than to get appreciation. They often compare the returns on their Walgreens investment with the lower returns from US treasury bonds or Certificate of Deposits from banks. Walgreens opened many new stores in 2008 and 2009 and thus you see many new Walgreens stores for sale. It will slow down this expansion in 2010 and beyond and focus on renovation of existing stores instead.

2) CVS Pharmacy: CVS Corporation was founded in 1963 in Lowell, MA by Stanley Goldstein, Sidney Goldstein, and Ralph Hoagland. The name CVS stands for "Consumer Value Stores". As of 2009, CVS has about 6300 stores in the US, mostly through acquisitions. In 2004, CVS bought 1,200 Eckerd Drugstores mostly in Texas and Florida. In 2006, CVS bought 700 Savon and Osco drugstores mostly in Southern California. And in 2008 CVS acquired 521 Longs Drugs stores in California, Hawaii, Nevada and Arizona for .9B dollars. The acquisition of Long Drugs appears to be a good one as it CVS did not have any stores in Northern CA and Arizona. Besides, the price also included real estate. It is also bought Caremark, one of the largest PBMs and changed the corporation name to CVS Caremark. When CVS bought 1,200 Eckerd stores, it formed a single-entity LLC (Limited Liability Company) to own each Eckerd store. Each LLC signs the lease with the property owner. In the event of a default, the owner can only legally go after the assets of the LLC and not from any other CVS-owned assets. Although the owner loses the guaranty security from CVS corporate assets, this author is not aware of any incident where CVS closes a store and does not pay rent.

3) Rite-Aid: Rite Aid was founded by Alex Grass (he just passed away on Aug 27, 2009 at the age of 82) and opened its first store in 1962 as "Thrif D Discount Center" in Scranton, Pennsylvania. It officially incorporated as Rite Aid Corporation and went public in 1968. By the time Alex Grassstepped down as the company's chairman and chief executive officer in 1995, Rite Aid was the nation's largest drugstore chain in terms of total stores and No. 2 in terms of revenue. His son, Martin Grass, took over but was ousted in 1999 for overstatement of Rite Aid's earnings in the late 1990s. Rite Aid is now the weakest financially among the 3 drugstore chains. In 2007, Rite-Aid acquired about 1,850 Brooks and Eckerd drugstores, mostly along the East coast to catch up with Walgreens and CVS. In the process, it added a huge long term debt and is the most leveraged drugstore chain based on its market value. The integration of Brooks and Eckerd did not seem to go well. Revenue from some of these stores went down as much as 20% after they change the sign to Rite Aid. In 2009, Rite-Aid had over 4900 stores and over Billion in revenues. The figures went down in 2010 to 4780 stores and .53 billion in revenue. On January 21, 2009 Moody's Investor Services downgraded Rite Aid from "Caa1" to "Caa2", eight notches below investment grade. Both ratings are "junk" which indicate very high credit risk. Rite Aid contacted a number of its landlords in 2009 trying to get rent concession to improve the bottom line. In June 2009, Rite Aid successfully completed refinancing .9 Billion of its debts. In 2012, Rite Aid benefits from Walgreens contract problem with Express Scripts. Same store sales increased 2.2%, 3.2%, and 3.6% for January, February and March of 2012, respectively. Rite Aid is still losing money in fiscal year 2012 which ended in March 3, 2012. However, it is losing less, .43 per share in 2012 versus .64 per share in fiscal year 2011. The company expects better outlook in fiscal year 2013.

Things to consider when invested in a pharmacy

If you are interested in investing in a property leased by drugstore chains, here are a few things to consider:

1. If you want a low risk investment, go with Walgreens. In stable or growing areas, the degree of safety is the same whether the property is in California where you get a 5.5% cap or Texas where you may get a 6.5% cap. So, there is no significant advantage to invest in properties in California as the property value is based primarily on the cap rate. In 2012, the offered cap rate for Walgreens seems to come down from 7.5%-8.4% in 2009 to 5.5%-6.5% for new stores.

2. If you are willing to take more risk, then go with Rite-Aid. Some properties outside of California may offer up to 9% cap rate in 2012. However, among the 3 drug chains, Rite Aid has 10.5% chance of going under in 2010. Should it declare bankruptcy, Rite Aid has the option to pick and choose which locations to keep open and which locations to terminate the lease. To minimize the risk that the store is shuttered, choose a location with strong sales and low rent to revenue ratio.

3. Financing should be an important consideration. While the cap rate is lower for Walgreens than Rite Aid, you will be able to get the best rates and terms for Walgreens.

4. If you are not a conservative investor or risk taker, you may want to consider a CVS pharmacy. It has BBB+ S&P credit rating. Its cap rate is higher than Walgreens but lower than Rite Aid. Some leases may offer better rent bumps. On the other hand, some CVS leases, especially for properties in hurricane areas, e.g. Florida are not truly NNN leases where landlords are responsible for the roof and structure. So make sure you adjust the cap rate down accordingly. Some of the CVS locations have onsite Minuteclinic staffed by registered nurses. Since this clinic idea was introduced recently, it's not clear having a clinic inside CVS is a plus or minus to the bottom line of the store.

5. All 3 drugstore chains have similar requirements. They all want highly visible, standalone, rectangular property around 10,000 - 14,500 SF on a 1.5 - 2 acre lot, preferably at a corner with about 75 - 80 parking spaces in a growing and high traffic location. They all require the property to have a drive-through. Hence, you should avoid purchasing an inline property, i.e. not standalone and property with no drive-through windows. There is a chance that these drugstores may not want to renew the lease unless the property is located in a densely-populated area with no vacant land nearby. In addition, if you acquire a property that does not meet the new requirements, for example a drive-through, you may have a problem getting financing as lenders are aware of these requirements.

6. If the pharmacy is opened 24 hours a day, it is in a better location. Drugstore chains do not open the store 24 hours day unless the location draws customers.

7. Many properties may have a percentage lease, i.e. the landlord can get additional rent when the store's annual revenue exceeds a certain figure, e.g. M. However, the revenue used to compute percentage rent often excludes a page-long list of items, e.g. wine and sodas, tobacco products, items sold after 10 PM, drugs paid by governmental programs. The excluded sales revenue could account for as much as 70% of store's gross revenue. As a result, this author has seen only 2 stores in which the landlord is able to collect additional percentage rent. The store with a percentage rent is required to report its annual sales to the landlord. As an investors, you want to invest in a store with strong gross sales, e.g. over 0 per square foot a year. In addition, you also want to check the rent to revenue ratio. If the figure is in the 2-4% range, the store is likely to be very profitable so the chance the store is shut down is low.

8. It does not matter how good the tenants are, avoid investing in declining, e.g. Detroit and/or low-income areas or small towns with less than 30,000 residents within 5 miles ring. In a small town, it may be the only drug store in town and captures most of the market share. However, if a competitor opens a new location in the area, revenue may be severely affected. In addition, the tenant can always moves to a new location down the road when the lease expires since there is low barrier to entry in a small town. These properties are easy to buy now and hard to sell later. When the credit market is tight, you may have problems finding a lender to finance these properties.

9. Many properties have an existing loan that the buyer must assume. If you have a 1031 exchange, think twice about buying this property. You should clearly understand loan assumption requirements of the lenders before moving forward. Should you fail to assume the existing loan (assuming an existing loan is a lot more difficult than getting a new loan), you may run out of time for a 1031 exchange and may be liable to pay capital gain.

10. With few exceptions, drugstore chains do not own the stores they occupy for several reasons. Here are just a couple of them:

- They know the pharmacy business but don't know real estate. Stock investors also don't want Walgreens to become a real estate investment company.

- Owning the real estate will require them to carry lots of long term debts which is not a brilliant idea for a publicly-traded company.

11. About 10% of the drugstore properties for sale and typically CVS pharmacies require very small amount of equity to acquire, e.g. 10% of the purchase price. However, you are required to assume an existing fully-amortized loan with zero cash flow. That is, all of the rent paid by the tenant must be used to pay down the loan. The cap rate may be in the 7-9% range, and the interest rate on the loan could be attractive in the 5.5% to 6% range. Hence, the investor pays off the loan in 10 to 20 years. However, you have no positive cash flow. This requires you to come up with outside cash to pay income tax on the rental profits (the difference between the rent and mortgage interest). The longer you own the property, the more outside cash you will need to pay income taxes as the mortgage interest will get less and less toward the end. So who would buy this kind of property?

- The investors who have substantial losses from other investment properties. By acquiring this zero cash flow property, they may offset the income from the drugstore tenant against the losses from other investment properties. For example, a property has 5,000 of rental profits a year, and the investor also has losses of 0,000 from other properties. As a result, the combined taxable profits are only ,000.

- The uninformed investors who fail to consider that they have to raise additional cash to pay income taxes.

Out of the Box Thinking

If you put too much weight on the S&P rating of the tenants, you may end up either taking a lot of risks or passing up good opportunities.

A Good location should be the key in your decision on which drug store to invest in. It's often said a lousy business should do well at a great location while the best tenant will fail at a lousy location. A Walgreens store that is closed down later on (yes, Walgreens closed 119 stores in 2007) is still a bad investment even though Walgreens continues paying rent on time. So you don't want to blindly invest in a drug store simply because it has a Walgreens sign on the building.
No company is crazy enough to close a profitable location. It does not take rocket science to understand that a financially-weak company like Rite Aid will make every effort to keep a profitable location open. On the other hand, a financially-strong Walgreens will need justifications to keep an unprofitable location open. So how do you determine if a drug store location is profitable or not if the tenant is not required to disclose its profit & loss statement? The answer is you cannot. However, you can make an educated guess based on the store's annual gross revenue which is often reported to the landlord as required by the percentage clause in the lease. With the gross revenue, you can determine the rent to income ratio. The lower the ratio, the more likely the store is profitable. For example, if the annual base rent is 0,000 while the store's gross revenue is M then the rent to income ratio is 5%. As a rule of thumb, it's hard to make a profit if this ratio is more than 8%. So if you see a Rite Aid with 3% rent to income ratio then you know it's likely a very profitable location. In the event Rite Aid declares bankruptcy, it will keep this location open and continue paying rent. If you see a Rite Aid drug store with 3% rent to income ratio offering 10% cap, chances are it's a low risk investment with good returns and the tenant will most likely to renew the lease. The weakness of corporate guaranty from Rite Aid is probably not as critical and the risk of having Rite Aid as a tenant is not really that significant.
Drug stores with new 25 years leases tend to sell at lower cap, e.g. 6-7% cap on new stores versus 8.0-8.5% cap on established locations with 5-10 years remaining on the lease. This is because investors are afraid that the tenants may not renew the leases. Unfortunately, lenders also have the same fear! As a result, many lenders will not finance drug stores with 2-3 years left on the leases. The fact that drugstores with new leases have a premium on the price means they have potential of 20% depreciation (buying new at 6% cap and selling at 7.5% cap when the leases have 8 year left). Some investors will not consider investing in drug stores with 5-10 years left on the lease. They might simply ignore the fact that the established stores may be at irreplaceable locations with very strong sales. Tenants simply have no other choices other than renewing the lease.

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Lowe's gives customers a 10% off coupon who are moving. You can get this coupon at the Lowe's website. It is sent in the mail, however, and can take a few weeks to receive. You can also go to your local post office and ask for a moving coupon book that contains several coupons for home improvement.

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If you go to the Lowe's website and register you will receive coupons throughout the year. They are usually off a purchase. You can sign up at the Home Depot website also and all of your coupons can be used at Lowe's.

Lowe's also has a clearance section where items are marked down every week until most of it is sold. If you see something you are interested in you can ask a sales associate to mark it down further especially if it has been there for awhile. Go to the store frequently and watch the items on clearance. Sometimes if you wait a few more days you will see the price has been lowered. They do not want to have any liquidation so most of the time they will mark it down even more.

Combining Lowe's discount coupons with items already marked up to 40% off clearance price is a great way to save money. You could also buy these items and sell them for full retail price.

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Credit cards are the recent innovation in the system of payment. The user can buy goods and services using this card. Instead of carrying money around it is easy to carry a card as well as when there is not enough money in the account things can be bought. Interest is on the amount borrowed, after a grace period of some days. To obtain a credit card an account has to be opened and approved by the bank or the credit provider. There are various financial corporations and banks which offer this facility. The card holder can use it to buy at places where the payments through cards are accepted. The card holder has to be prompt in the repayments to the card issuer.

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Electronic verification is done to verify the validity of the card and also to find whether the card customer has sufficient funds or credit limit to make the purchase at the time of purchase. Customers find it convenient to use a credit card when compared to the use of debit card or any other means of payment, since a small credit can be quickly obtained by the card holder.

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When it comes to American shopping, one of the most renowned chain stores today is JCPenney. JCPenney is an all-American department store chain based in Plano, Texas. It mostly serves suburban markets and offer mid-range types of products to consumers. JCPenney stores are spread all across the country. No one in the United States is unaware of this chain's existences. JCPenney was established in 1902 in Kemmerer, Wyoming. Since its founding, it has grown to be one of the most popular department stores in the United States. JCPenney has grown so big that it now offers its very own credit card. JCPenney credit cards are offered to frequent customers. JCPenney card holders receive many special privileges from the department store. Examples of these are bigger discounts and special members-only offers.

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A JCPenney credit card is just like any other credit card. The only difference is that with a JCPenney card, you'll receive special offers and discounts, unavailable to non-cardholders. As mentioned above, one is offered all sorts of perks when holding a JCPenney card. One benefit is getting rewards credit points. For every purchase you make on your JCPenney card, you get points. If you earn enough points, you can redeem different perks from the stores. A good example of this is a JCPenney rewards certificate. You can earn a certificate monthly, depending on how much you spend on the card.

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Target Credit Card Sign - Importance Of Employee Development

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Employee development is crucial for the growth and prosperity of any business as employees are one of the determining factors for the success of the company. The more capable and qualified the employees the better the performance of the company. When they are well trained, they can easily handle situations, please customers ensuring customer retention as well as resolve any glitches easily without much ado.

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Employee development programs are essential to improve morale as well as to motivate the employees to perform well. Employees like to learn new skills and meet challenges and they are more motivated when they feel there is great potential for personal growth. When the company shows interest in employee development, the employee naturally has a greater interest in the company's development too.

Training Program for Employees:

Training programs are essential and companies provide either initial training to help the employee learn about how to perform their duties or ongoing training where employees meet regularly to discuss how to improve work performance.

Some companies sponsor employees to learn the latest training need for them to perform their jobs well. Care should be taken to see to it that the training is relevant as well as that it has a positive impact on the employee's performance as well as benefit the company. Companies should carefully analyze and determine if their employees need training, if so select appropriate courses as well as monitor that the training has effected a change in the company's performance. Good training programs will greatly diminish the need for hiring specialist to perform certain tasks, improve work efficiency as well as help our employees know the latest techniques to adopt and help better the company.

Employee development training has to be regularly scrutinized, goals have to be set, and achieved within a certain period of time as well as assigning employees correctly to perform their duties is essential. Initiating rewards such as raises, promotion etc. and tuition reimbursement, will motivate employees as well as make them eager to participate in the employee development programs.

Companies have to analyze carefully if they need to enroll their employees in specific development programs. If so what courses are best suited for their company, what target results they want from their employees on account of the training etc. they can achieve this using a needs analysis, find out which areas need extra training for employees etc. Usually managers need training to help perform better as well as manage more efficiently. Make sure the employees are up to date with the latest technology available to ensure they perform better. Convey to the employees all about the program, what are the outcomes you expect and how important are they to do their jobs better by using the opportunity the company has provided them. Hence, employee development programs are essential for any business to thrive and succeed.

There are companies that offer services and products to run a new business easily.

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Walmart Credit Card Sign - Free Gift Cards from Wal-Mart - How is it Possible?

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Wal-Mart is such a big store, and the chain of stores makes it the largest in the world. Did you know that Wal-Mart employs more people than any other private business in the United States? In almost every area there can be found a Wal-Mart within driving distance. It's no wonder that so many people are looking for free gift cards from Wal-Mart, you can get anything from clothes to groceries to electronics to car parts at Wal-Mart. But are free gift cards from Wal-Mart really free? How can you make sure that you aren't just giving something away without getting anything in return?

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If you are looking for free gift cards from Wal-Mart you will no doubt come across many offers. Some of them are legitimate, others are bogus. The ones that are bogus are not always so easy to spot. People just love to take other people's money, and they tend to be good at it. Usually you will find that when there are free offers, like those for Wal-Mart cards or other department store cards you will have to participate in their program in some way or another. Now this isn't to say that you can't come out on top. Many times their program offers you benefits that exceed the offer of the free gift card, and you end up getting the gift card for free and then saving a lot of money by using their services. Just make sure that you read the fine print and know what you are getting into first.

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Target Credit Card Sign - 12 Ways to Control Costs in Your Business

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Incurring expenses is usually the focus of many business owners. Generally because it's the easiest and most visible thing to look at. However, there are other considerations for controlling costs. The first one is to look at how you manage the flow of money overall. By this I mean your budgets.

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I want to reiterate that if you spend the time upfront defining your budgets, then it's a lot easier to manage the costs that are incurred down the track. It also allows you to then delegate the management of this process to the bookkeeper or financial controller.

1) TOP TIP: IMPLEMENT A SYSTEM THAT YOU ONLY PAY ON PURCHASE ORDERS
One of the most effective ways to control costs is once you have your budget defined, is to then implement a system where you ONLY pay invoices on purchase orders. This will stop employees ordering willy nilly in its tracks. Because as soon as you issue the edict to staff, you make sure that the accounts people ONLY pay where a purchase order is quoted.

For staff to spend money, this means that they have to request a purchase order from the accounts person. They would then check the budget to make sure that the amount is allocated, and that the person ordering the goods is authorized to make the order. If the answer is yes to both of these, then the accounts person would issue a purchase order which the person ordering the goods when then quote.

So when the invoice is received by the accounts person, they would then check that the goods have been delivered and that there is no outstanding issues to resolve. They would then prepare a cheque or online transaction for payment.

If there is no purchase order assigned, then they would refer it back to the supplier and/or the staff member who ordered the goods to resolve. I suggest being tough here - if its not assigned, then you don't pay. It's then up to the employee to settle the account - well essentially you probably would, but when there's a perceived consequence, it usually puts the fear of god into them! They usually don't spend your money again after that scare!

2) VALUE FOR MONEY
One of the areas that most business owners are usually fairly comfortable with is controlling costs. But let's just go over the basics again. As a business owner, you should set a key performance indicator for your financial controller to be responsible for value for money. This means continually looking for different and innovative ways to control costs as a way of impacting your business' profitability. A dollar saved as a cost, goes directly to bottom line profitability. Some businesses find that by implementing tight cost controls and questioning the need for all spending has achieved the same profitability improvement that would otherwise have had to come from a substantial increase in sales.

Now I'm about to briefly go through a checklist that is available in the 'Essential Financial Management Templates' workbook which you can purchase from our website.

3) SHOP AROUND FOR DEALS
The first rule of thumb is to shop around. No matter who I'm dealing with, whether it's a good friend or colleague that's providing the service, I always compare it against two other quotes. Now, I usually don't go straight for the cheapest option, but it does allow me to then go back to the original person and have an open and honest discussion about reducing the original cost. I always think about a comment one NASA astronaut once made when being asked about his feelings about being in space on a new space shuttle for the first time. His reply was, "how would you feel if you were about to fly in craft millions of mils into space, where your shuttle safety is completely reliant on our governments policy of sourcing the cheapest part possible." Point well taken. It's not always about going for the cheapest option, but it is about ensuring that you're getting value for money.

4) COMPARE ACTUAL COSTS TO YOUR BUDGETED COSTS
Another point is to always review costs on an ongoing basis. I would suggest monthly - lets not wait until the end of the year or when we're in strife, we should always be focused on ensuring that we're getting value for money at all times. When you are going through your reports with your financial controller, use this as a time to look over your costs and compare them to your budgets.

5) THINK OUTSIDE THE BOX TO CONSIDER OTHER OPTIONS
Also be sure that you're aware of what's happening in the market place. Is there a new player who can provide competitive prices, or is there an online option available to you. Perhaps even a global possibility for you to explore. I'll give you the example of a website. I had a friend who rung me to ask my opinion about a quote she had received on building a website. The quote was for ,000. I referred her to a website called elance.com that has a global online bidding community. She placed a project brief for someone to build her a website and ended up getting one built for 00. She was delighted with the quality and the end result - the only thing she did say was that she had to spend more time communicating with them (as they were overseas) but she was happy to do that to save herself ,600!

6) CONTINUALLY REVIEW YOUR STANDARD PROVIDERS FOR THE BEST PRICES
Are there areas in your expense items that are being deregulated or additional players coming into the market. For example, electricity or gas providers, telephone providers, etc. You may be able to save money by consolidating accounts on your mobile phone bills. There are also telco providers that actually provide a free assessment service to see where they can save costs for you - use them!

7) REVIEW ELECTRICITY COSTS WITH AN ENERGY AUDIT
And while we're on electricity costs, have you conducted an energy audit in your business to ensure that you're not needlessly wasting money? For example, some energy reduction strategies could include turning off lights in offices that are not being used, or turning off the air condi8tioning system, photocopiers, printers and computers at the end of the day. Is there the potential to use electricity in "off peak" periods. Put timers on plant and equipment and put signs around your business reminding people to turnoff the lights and to save energy.

8) REIGN IN THE STATIONERY BILLS!
One of the biggest expense items in a business can be stationery. A lot of business owners won't pay a delivery charge to their business, but they will send an office person to pick up the stationery, at -30 an hour, plus allow them to purchase "whatever they need". Have you ever tried not to buy an impulse item at a stationery store? It's impossible - take it from someone who knows! Look also at the purchases that are being made in small quantities - can money be saved by purchasing in bulk - especially in printing. Make sure that one person only has the responsibility of purchasing stationery and ordering printing so that its not open slather of everyone in the business and they can also make sure that the items are actually required.

9) ESTABLISH A TRAVEL POLICY
Do you have a travel policy in your business? If so, it should clearly outline the class of air travel, grade of hotel accommodation and what expenses can be incurred and reimbursed. There are numerous accommodation site available now days that allow last minute bookings at a greatly reduced cost - have a look at wotif.com to see what I mean. Using this site means that you can actually book staff into 5 star accommodation at 3 star prices.

10) CHECK BANK CHARGES & FEES
Also consider bank interest, fees and charges - these should be checked regularly as banks often make mistakes in charging fees and interest. You should also maintain a record to interest rates and margins quoted by banks and shop around for the best interest rates.

11) REVIEW VEHICLE ALLOWANCES
Vehicle allowances are also another area of costs that can rack up pretty quickly when employees cotton to the fact that they can receive a nice little earner using the ATO vehicle allowance figures. If you have people using their vehicles a lot, you may want to consider whether you purchase or hire a pool car. Often the amount of money that you can spend paying vehicle allowances can actually pay off a company car - therefore building your assets at the same time. Another way to hand this is to offer to pay for all petrol costs instead. So everything an employee fills up, they just need to hand you the receipt and they'll be reimbursed in full. This still adds up cheaper than paying a vehicle allowance - and is easier to budget for in your profit and loss projections.

Another way to further streamline this process can be to have fuel cards that link into a single account that you pay each month.

12) ESTABLISH BOUNDARIES FOR EMPLOYEE EXPENSE REIMBURSEMENTS
Always establish the boundaries for expense reimbursements in your business. Incorporate this into your induction program in your business so that everyone is extremely clear of the expectations. This is particularly relevant if you have a business development person who wants to have an "entertaining" budget. I usually empower people in this regard by providing them with a profitability target on sales made - which incorporates things like their entertainment budget. But more often, I'll act6ually sit with them and run through ways to provide potential clients with value, without expenses "wining and dining" experiences. In fact, in my IT days, where everyone apart from me had a corporate credit card for "smoozing". I was more effective with my sales because I would take people for a coffee.

13) MAKE SURE THE INVOICES YOU PAY ARE CORRECT
Advertising is another area where businesses can incur lots of charges. I've covered off on advertising in another CD in the Jump Start Your Business Series, but one thing I want to mention here is taking care with "bogus" invoices for advertising and checking that all invoices are actually for valid advertising. Now if you have a purchase order system or a centralized purchasing process, then you won't get caught out on this one. But a few years back there was a scam where people were receiving invoices for "advertising" and then pressuring the accounts payable staff to pay them. A nice little earner made from the lack of internal systems in 99% of companies.

14) BEWARE OF OVERCHARGING!
I want to finish by talking about overcharging and the need to always check invoices against contracts or agreements. This includes rental agreements, any supplier invoices, etc. If in doubt, don't be shy of asking the supplier to provide more details or query any inconsistencies. Errors are easily made and usually suppliers are extremely apologetic should a discrepancy be discovered.

15) ENSURE THAT YOUR PETTY CASH HAS A MONTHLY LIMIT
Despite your best planning, there will be cases when you need to have access to some petty cash - that is small amounts of cash for purchases that are fairly minor and random.

Make sure that the initial petty cash amount is realistic - if it keeps exceeding the amount each month, you need to establish where the cash is being spent and then put alternative strategies in place. However, I would strongly recommend setting a monthly limit that staff are aware of - for instance set a monthly amount of 0. Once it's exceeded, it's exceeded.

Taking time to reassess your costs will have a direct impact on your bottom line. However, be careful that you don't focus more on cost minimization than opportunity creation. It's easy to cut costs, but downright difficult to create more income. So be sure that your attention is focused in the right direction.

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