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  • business-ideas

    Selling Cakes, Cookies And Pies You Need Liability Insurance

    It matters not if you bake those chocolate chip cookies once a week for the community center and sell them to make extra money for your son’s little league uniform; if you are selling food products you need liability insurance.

    Of course, no one once to think anyone could get sick from their delicious double Dutch chocolate, chocolate chip cookies, but the truth is, it may not be your baking process, it may be an ingredient you used in your cookies, and it is better to be safe than sorry.

    Liability insurance policies cover both legal costs and any legal payouts for which the insured would be responsible if found legally liable. Intentional damage and contractual liabilities are typically not covered in these types of policies.

    Does a small home-based baker or food processor selling to family, friends and at farmers markets or community fairs/flea markets need liability insurance. Absolutely!

    Liability insurance is important for anyone who may be held legally liable for the injuries of others, especially business owners (that’s you). A product manufacturer may purchase product liability insurance to cover them if a product is faulty and causes damage to the purchasers or any other third party. Business owners may purchase liability insurance that covers them if an employee is injured during business operations, for example if you hire your cousin Bill to do the heavy lifting when delivering those amazing beautiful wedding cakes.

    One type of insurance coverage that should be considered by all home-based bakers and food manufacturers/processors is “Food Product Liability” coverage. This type of coverage should provide coverage in the event the insured food product injures the person who consumes it. Most retail outlets or locations such as a Farmers Market require that food products have a $1 million to $2 million policy before you will be allowed selling your products. Additional coverage requirements may also be requested.

    For example, a retail vendor does not have to allow you to sell your products in their establishment even if you do have the required insurance; plus providers of food product liability insurance may be reluctant to provide you with a policy quote because you are not selling a standard rate of food products. In this case, the provider may prefer to give an estimate which requires very specific information about your products and your business characteristics.

    Don’t be surprised if a company requires you to complete an application and submit the businesses’ production, distribution and marketing plans, all of which may be null and void if you are a new home-based baker with no clue of what type of business or how much business you will be doing. The bottom line is product and business liability insurance is essential if you are going to operate a legitimate business in America.

  • business

    Germany Dental Devices Market Analysis And Forecasts To 2015

    Browse Complete Report: Germany Dental Devices Market

    This report is an essential source for in-depth information and data relating to the Germany dental devices market. It also offers detailed and comprehensive coverage of market revenue, volume, distribution and company share information; and latest news, financial deals and pipeline products information of each of the key sub-segments of the dental devices market in Germany.

    Scope
    The report provides dental devices market information broken down into detailed categories and segments in Germany.
    Total revenues, products sold, end users, and average pricing.
    Market shares of all the key competitors. Key pipeline products that are set to shape the market, broken down by sector.
    Information on the top medical equipment companies in the sector in the country covering business description, strategic analysis, and financial information.
    Healthcare structure, regulatory environment, approval process, pricing trends and reimbursement.
    Product and brand updates, strategy changes, R&D projects, corporate expansions and contractions and regulatory changes.
    Key mergers and acquisitions, partnerships, private equity investments and IPOs.
    Customer, hospitals and physicians data.

    Reasons to buy
    Gain a strong understanding of the dental devices market in Germany.
    Evaluate and compare the attractiveness of the market in the country.
    Identify growth segments and opportunities in each industry sector within the country.
    Evaluate the pipeline of key products that will change the sector, and identify threats and opportunities before the products are launched in the country.
    Analyze the competitiveness of the market in the country and identify hotspots.
    Develop strategies based on the latest product, brand, expansion and research and development news in the country.
    Do deals with an understanding of how competitors are financed, and the mergers and partnerships that have shaped the market in the country.
    Identify and analyze the strengths and weaknesses of the industry incumbents in the country.

    Buy Now: Market Research
    Browse All: Dental Devices Market
    Browse: Germany Market

    Related Reports:
    Global Dental Devices Market Analysis and Forecasts to 2015
    Japan Dental Devices Market Analysis and Forecasts to 2015
    Canada Dental Devices Market Analysis and Forecasts to 2015

  • laundry-and-dry-cleaning-business-plan

    Consider your investment plan carefully

    Retirement is a necessary event which everyone faces in life. When one thinks of his income after retirement, several options arise. During his service, the person has to save some amount every month for his retired life. The person invests this amount in Annuity schemes which fetch him some periodical income so that after retirement he can lead a normal life. Before choosing the appropriate investment plan, the person has to evaluate his needs. His immediate commitments like education of children, expenses on health, renovation of house, legal expenses if any are some of the factors which may require careful consideration. The next question that he has to consider is the marriage of children, tour plans, etc.

    Where to invest the savings?

    This is a vexing question that needs careful consideration. Many employees invest the amount with their employers. In return for this investment, the employer normally gives the employee a fixed amount periodically as Annuity. Of course in the beginning the Annuity which the employee gets would seem to be reasonable. But with inflation, the fixed annuity will not be sufficient in the coming years. Even with an inflation of about 3% every year, in about 4 to 5 years the person will feel the financial crunch.

    The alternative is to invest in Stock market. But this requires specialization and careful market analysis. Everyone may not have this quality. So this is a risky investment.

    As an alternative, the employee can consider the investment plans offered by different investment companies. Many of the investment agencies have several attractive plans like Annuity with health insurance coverage for the spouse, burglary insurance, etc. Such investment could be another better option to choose.

    Some persons may consider investing in real estate. But if such investment is made, the person may not have fixed returns unless the investment fetches him some amount by way of rent. If such investment is made when there is a favorable market, the value of real estate would appreciate and this may fetch attractive returns.

    However, as far as investment plan is concerned, all that matters is the wisdom of the investor. Wherever necessary, he can take the guidance of professional investment planners who would be able to guide the investor appropriately.

  • laundry-and-dry-cleaning-business-plan

    How Swot Analysis Helps A Market Research Company To Analyze The Market

    SWOT analysis is a valuable tool in the kitty of a market research company. The company provides detailed market research reports for their clients in a particular industry. It employs various methods and techniques to collect, gather and analyze the information about different companies in a particular market and a particular sector. This analysis determines where a particular company fits between its internal and distinctive capabilities and external opportunities and threats. SWOT stands for Strengths, weaknesses, opportunities and threats of an organization.

    The SWOT analysis is performed for each organization to assess its strengths and weaknesses and to get required insight in the potential and critical issues that can affect a venture. These processes are comprised of three important phases where it determines the strategic issues, the strategy and the implementation and monitor of the strategies.

    Determining the Strategic issues relevant to a firm

    A market research company starts this analysis by determining the firms position in the relevant industry. It also determines the companys position in the general environment. They also determine the internal issues, external issues, opportunities and threats that affect companys prospects. They analyze and rank the external issues according to probability. It also lists other strategic factors, external or internal that can affect the competitive position of the company in the long-term.

    Identifying the Strategy

    Next important step is the identifying the capability of the firm to fit into its internal capabilities and external environment. In addition, this process also requires designing alternative strategies for addressing vital issues. The market research company makes use of critical SWOT matrix to identify the strategies.

    Implementing and monitoring strategies

    After identifying the strategies, the next job is to implement and monitor the strategies. It includes assigning responsibilities, allocating budget and then monitoring progress and reviewing the process from the beginning.

    Conclusion

    Market research offers the great insight about the market and the consumers. In addition, keeps the company updated of changing tastes of the consumers to help it cater to the changing consumer tastes. The market research companies make use of SWOT analysis to develop corporate, product and marketing strategies.

    With the help of this analytical tool, the company can work towards improving the strengths of the clients company and reducing the weaknesses. It can help increases strengths by making targeted efforts such as building strong brand name, increase market share and improve the skills. Though the company does not have any control over the external opportunities and threats, by increasing the companys strengths, it can help them grab opportunities.

    SWOT analysis helps in situational analysis and can help in analyzing the present situation and make best use of it. The firm can use the forecast given by the market research company in its report to devise the strategies to counteract the problems and exploit the opportunities. Lucintel is among the leading market research companies providing their valuable services to global clients.

  • business-plan-1

    General Insurance Companies In India – An Excellent Introduction

    The full basic Insurance carriers In India business was nationalised by Authorities of India (GOI) with the General Insurance plan Small business (Nationalisation) Act (GIBNA) of 1972. 55 Indian insurance firms and 52 other basic insurance coverage operations of other firms were nationalized through the act.

    In India, insurance features a deep-rooted heritage. Insurance in numerous types continues to be pointed out during the writings of Manu (Manusmrithi), Yagnavalkya (Dharmashastra) and Kautilya (Arthashastra). The basic foundation of the historical reference to insurance coverage in these ancient Indian texts is identical i.e. pooling of sources that might be re-distributed in times of calamities including hearth, floods, epidemics and famine. The early references to Insurance policies in these texts has reference to maritime trade financial loans and carriers’ contracts.

    The overall Insurance policies Corporation of India (GIC) was shaped in pursuance of Part 9(1) of GIBNA. It had been integrated on 22 November 1972 underneath the companies Act, 1956 to be a non-public company restricted by shares. GIC was shaped to manage and run the enterprise of common insurance in India.

    The GOI transferred every one of the assets and functions from the nationalized typical insurers to GIC along with other public-sector insurance providers. Following a process of mergers and consolidation, GIC was re-organized with four entirely owned subsidiary corporations: Nationwide Insurance policies Enterprise Confined, New India Assurance Corporation Minimal, Oriental Insurance plan Business Confined and United India Insurance coverage Enterprise Limited.

    GIC and its subsidiaries had a monopoly to the common insurance policy enterprise in India right until the landmark Insurance plan Regulatory and Improvement Authority Act (IRDA Act) of 1999 came into result on 19 April 2000. This act also amended the GIBNA Act and Insurance Act of 1938. The act as well as the amendments finished the monopoly of GIC and its subsidiaries and liberalized the insurance coverage small business in India.

    In November 2000, GIC was renotified as India’s Reinsurer, but its supervisory purpose about its subsidiaries was ended. This was adopted because of the Common Insurance coverage Company (Nationalisation) Modification Act of 2002. Coming into influence from 21 March 2003, this modification ended GIC’s function as a keeping enterprise of its subsidiaries. The possession on the subsidiaries was transferred into the Government of India, which in turn divested its stake while in the companies through listings on Indian inventory exchanges.

    Consequently of such reforms, GIC became the only Re-Insurer in India, and it is now called GIC Re. Indian insurance firms are needed by regulation to cede 10% of each policy price to GIC Re, subject matter to some constraints and exceptions. GIC Re has diversified its functions and is particularly now emerging being an significant Re-Insurer in SAARC nations, Southeast Asia, Center East and Africa. GIC Re has also expanded its global operations as a result of branches in London and Moscow.

    GIC Re contains a rating of A- (Fantastic) from the. M. Best for its fiscal energy.

  • business-plan-1

    Unit Trusts And Open Ended Investment Companies Collective Investments

    Unit Trusts and Open Ended Investment Companies Collective Investments

    Unit trusts and Open Ended Investment Companies (OEICs) are types of collective investments. In a collective investment, each individual investment is pooled with every other individual investment and then invested as a whole by the manager of the investment.

    Different unit trust and OEIC funds invest in different asset classes – shares, bonds, cash and property. Some funds focus on just one asset class, while others invest in two or more. Irrespective of the asset class or classes they invest in, most fund managers will hold a wide spread of investments in their chosen asset class. That is one of the reasons why unit trusts and OEICs are popular with investors spreading investments across a range of businesses can help reduce a funds volatility and the risks for its investors.

    Although unit trusts and OEICs are both open-ended investments, where the size of the fund varies according to market supply and demand, there are a number of key differences between the two types of funds.

    Investors in unit trusts buy and sell a portion of the total fund in the form of units. The price unit holders initially pay for units (the bid price) is higher than the price they can sell the units for (the offer price): the difference between the two prices is known as the spread. In order for unit holders to make a return on their investment, the closing bid price must always be higher than the opening offer price. An OEIC fund on the other hand, does not trade in units but issues shares to its investors and is therefore an investment company – a less complex entity than a unit trust. Shares in an OEIC have a single price, which is determined by the value of the fund’s underlying investments. All shares in an OEIC are bought and sold at one single price, so theres no bid/offer spread to take into account.

    The value of an investment in a unit trust or OEIC will vary according to the total value of the fund, which is determined by the performance of the investments the fund manager makes. Unit trusts and OEICs usually impose an up-front charge and annual management fees, some of which are declared as a percentage of the investment, while others are built into the price.

  • graphic-business

    My Online Business Strategy Helps You Avoid the Dangers and Traps of Internet Marketing

    There’s a lot to be said for knowing the possible pitfalls before embarking on any journey and “My Online Business Strategy” (MOBS) is a successful blue print that allows you to feel comfortable in the knowledge that you can avoid and overcome them.

    Let’s just take a look at some of the dangers and traps:

    * A hyped up product, system or strategy which doesn’t delivery on its promises. Often these are pitched in such a way to win over an audience of would be punters so that they buy.
    * Material presented in vast quantities without covering all the required information.
    * The quantity is large enough so that after the purchaser has consumed it all and realizes that he or she cannot make money the original seller is not marketing the product any longer and can offer little or no assistance.
    * Information overload – here the vastness and the variety of information provided makes the purchaser feel overwhelmed and they then blame themselves for not being able to commit the time and effort needed and therefore give up.
    * Many people have been in the position of giving up – some even go through the same loop over and over with different products. The desire is so great that people are blinded by the repeated failings.

    Here’s how, “My Online Business Strategy” helps you overcome and avoid all this:

    * It is not hyped up. It is down to earth. “My Online Business Strategy” points out that you will not become a millionaire overnight and that you will have to work at it.
    * The material was not created to sell. This material is the process that Gary Gregory uses to build his own sites. These sites make him over $100,000 per year.
    * “MOBS” leaves nothing out whilst ensuring that you are led by the hand. This prevents information overload.
    * “My Online Business Strategy” provides toll free live support should you fall into difficulties. This is surely absolute proof that the detail is present without being overwhelming. “My Online Business Strategy” could not offer this level of support if it was anything other than a complete easy to use blue print for online success.

  • fast-business-plans-front-page

    Green Investment Trends

    If finance experts are to be believed, green investment is still worth despite the global economic blues. Sustainable investment options are set to become more attractive in the long run with the incorporation of the eco-stimulus. Currently, green stocks are showing stable returns on investments and investors who care about how and where their money is being used are opting for the “go green” option.

    Investment can be a great way of making money if done in a logical and systematic manner. In the last few years, significant changes have been visible in the interest of investors across the world. Other than oil and gas, interest has deviated to sources of energy as it causes less harm to the environment and society. Thanks to the increased awareness on sustainable investment opportunities, several companies across the world are realizing the importance to preserve and protect the planet. In the form of a contemporary type of stock investment, green investments are becoming popular for the investors who want to use it as a source of helping the earth and the atmosphere.

    There is no significant difference in green investment and stocks and mutual funds. The difference lies in the fact that green investment is made in companies committed to conservation of natural resources. These companies are actively involved in producing sources of alternative energy, clean water and air projects and products and services that bring a significant change to the communities and environment.

    As far as sustainable investment is concerned, green based projects are the main concern. Even though this movement includes companies that are into other lines of business, organizations that have modified their operations for running environment-conscious business can also be included in it. For the next several decades, green building, recycling and water will be the strongest growth points. Earlier this year when the market was up for 21% in March, market for green stocks rose to 30%. As part of the American Recovery & Reinvestment Act of 2009, approximately 14% is comprised of clean energy and efficiency.

  • business-plan-1

    Widgets that improves the market in mobile app developing platform

    If you see the walk of mobile apps over the past 2-3 years, there is a lot of expansion in this field. The mobile apps are creamy and the cake of mobile won’t taste good without apps. Almost all the companies are focusing on the mobile app development, one time investment that leads to unlimited profit. The growth of technology and software is tremendously increasing leads to a great challenge in market.

    If you see in depth of various technology and software the app built for android device will not be companionable with other devices. Lot of restriction will make it unfriendly to user, to overcome this challenge cross platform mobile app development is the best arrow.ow.

    Many companies in the market have enrolled their work in developing cross platform mobile app development. To make a user friendly in all the platforms seamless of Android, Blackberry and IOS or any platform you choose.

    Few companies standardizes with their specialization for windows and OS platforms. Help the client in filling the gaps that made you to rest in the market with no business. As per the requested design and structure, the features will be placed in a single box.

    companies make sure all this features seamless of any platform acknowledging the user friendly concept. The main two parameters of this company is designed app will be 100 % user friendly and second most thing that market expect is graphics, design, to what extent the app is compatible. So they take a complete and first priority to mobile app UI designs.

    Mobile app UI designs as a great demand in the market for smart phones or any hand set devices. To meet the client request it might be a quality, looks, simplicity and user friendly characteristics, mobile app UI designs team will acknowledge all the parameters and be a strong platform in the market. Dedicated team that drives the technology and software will be engaged in developing and designing the top class level UI design apps.

    Day by day the thoughts of market vary, customer always expect a unique characterized apps. companies are the best to promise and deliver the same to market. So as per client requirements, needs, designs, any looks if suggested all will be projected and delivered in a single app. A Apart from all this they also take care of iphone app development, Sencha development and black berry app development and many more.

    The commonly used tools for designing multi- platform apps are Webdev, smartface, xojo, geneXus, Cairo, eclipse, FLTK, simple direct media layer and many more.

  • predictions-for-the-legal-industry

    Boat Loans And Boat Finance

    Financing your next boat is a very important process, as you want to choose a finance package most suitable to you. There can be many things to check including
    Boat loan interest rate
    Fees and charges
    Break fees if you paid it out earlier
    Can you pay extra payments
    Time it will take to approve and settle your boat loan
    Does the boat finance company suit your criteria to approve the finance

    You can have unsecured or which can affect the cost of your loan.

    It can be a requirement of the boat finance company to have fully comprehensive insurance on your boat before purchase and while you pay off your boat loan.

    Finance companies can assist to ensure you have a hassle free boat purchase and help with
    Encumbrance checks to ensure that there are not any outstanding loans from the prior owner left against the boat.
    Title check or confirming the ownership of the boat you are purchasing.
    Clear transfer to seller of the amount financed on the boat purchase. .
    Boat loans, subject to the finance companys approval can be financed to the full cost of the purchase including
    On-road costs and taxes.
    Boat Insurance
    Marine breakdown warranties
    Loan protection for death, disability and unemployment.
    Older boats can be ok. Boat finance can apply for all ages new and used depending on the boat loan lender.
    Finance structures can be flexible to suit your circumstance. Options to consider on your boat loan could be
    Delayed payment boat loans so you first payment starts at a extended time into your finance contract
    Interest only payment options including balloon payments.
    Extended finance terms
    Structured boat finance payments to suit your life style or your work cash flow
    Construction boat loans
    There are many marine finance options available for imported boats.
    Commercial boat finance options are available that could be suitable for business use. Some factors to consider that relate to business car financing are:
    Chattel mortgage boat finance

    The structure of your business car finance can affect your taxation claim.
    Dealing through a reputable boat loan broker can give you a choice of boat finance lenders. It is important to know that you may get boat loan interest rates and loan fees and charges cheaper than banks.