Articles from: April 2017

Tips On Writing Your Operations Manual Using The Franchise Operations Manual Template

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Franchise Operations Manual Template is the blueprint of your business.

Franchise Operations Manual is one of the most important documents needed for each franchise business. It has a great difference from a successful and a profitable business to a misfortunate performing one. The operations manual serves as a guide when running a business and success of whatever business depends on it.

Writing the franchise operations manual can be a frustrating task but it is important that you have to work hard just to finish it. Rely on yourself; don’t rely on the writing ability of others because you are the person who is well-informed about your business. Tips are as follows to give you a guide throughout the writing process.

o Get ready. If this is your first time writing a franchise operations manual, have yourself familiarize first regarding the document prior to writing. Of course every business is exceptional and there are different business procedures in every company. However, it is not necessary that you get into details about this stage. All you demand to do is to get familiar with this type of documentation.

o The first draft. After you have an idea what a franchise operation manual is you can proceed to writing the first draft of your own manual. As you have already observed, the manual can be a large document so you will probably need a lot of time outlining all the information and even more time writing the details. This is where a specialized franchise tool can aid you. Software products are available which can able to provide you the chief frame of the manual you are writing. If you select to use the Franchise Operations Manual Template software, all you will need to do is to customize the ready template.

o Get the draft reviewed. Once the operations manual draft is ready, review it by letting it read by the other members of the management team. They can also add some important ideas since they also know the nature of your business. In addition, when the manual is read by many, there is a big opportunity for you to have a more polished and better work.

o Get the second draft reviewed by professionals. Once you are almost done in your manual, let a lawful professional review it. This can be useful especially when targeting franchisees from different countries.

o Make it official. Once you have the second draft ready, utilize the final corrections and make the official version of the franchise operations manual. Don’t forget that you can still revise it afterwards depending on the market change and the development of your business.

Completing the operations manual can be hard for you but through the aid of the Franchise Operations Manual Template, you can have the comfort in writing. Purchse now the template and get ready to begin your business.

The Federal Trade Commission has finalized a policy statement clarifying that the agency will not

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The Federal Trade Commission has finalized a policy statement clarifying that the agency will not take enforcement action under the Fair Debt Collection Practices Act (FDCPA) or the FTC Act against companies that are attempting to collect the debts of deceased consumers, if the companies communicate with someone who is authorized to pay debts from the estate of the deceased.

The policy statement also emphasizes that debt collectors may not mislead relatives to believe that they are personally liable for a deceased consumer’s debts, or use other deceptive or abusive tactics. Family members typically are not obligated to pay the debts of a deceased relative from their own assets. The FDCPA limits whom debt collectors may contact after a loved one has died to people such as the deceased person’s spouse and the executor or administrator of the deceased person’s estate.

Since the FDCPA was enacted in 1977, state probate laws have changed, and now, less formal procedures often govern the appointment or selection of those who are responsible for the disposition of the estate. In many instances, there may be no formal executor or administrator of an estate. In the enforcement policy statement issued today, the Commission seeks to reconcile the FDCPA’s requirements with current trends in state probate law.

In keeping with the FTC’s October 2010 proposed policy statement the final policy statement specifies that the agency will not take law enforcement action under the FDCPA if a debt collector communicates about a deceased person’s debts with that person’s spouse, the executor or administrator of the deceased person’s estate, or anyone else who is authorized to pay the debts from assets in the estate. The final policy statement also: Describes how debt collectors may communicate with family members and others to locate someone who is authorized to pay the deceased person’s debts from the estate, and specifies that collectors may not mislead individuals into believing that they have the authority to pay the decedent’s debts when they do not. Specifies that, in seeking to locate someone who is authorized to pay the deceased person’s debts from the estate, collectors may not reveal or refer to the debts, but may say they wish to discuss payment of the deceased person’s bills. States that in keeping with the FDCPA’s prohibition on unfair, deceptive, or abusive collection practices, debt collectors may not contact family members and others at unusual or inconvenient times or places. Emphasizes that, in communicating with someone who is authorized to pay the debts from assets of the deceased person’s estate, collectors must avoid creating the misleading impression that the individual is personally liable or could be required to pay using his or her own assets, or assets held jointly with the deceased person.

What Is the Best Way to Find Bank Foreclosed Houses to Buy

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Bank foreclosed houses are everywhere. With hundreds of homeowners defaulting on their mortgage, more and more bank foreclosures are placed on the market for sale. And almost all of them are priced below their current market value.

If you are on the market for bank foreclosures to live in or to repair and re-sell, then there are many ways to find these cheap properties. Take time to explore each option before you decide on the best way to buy bank foreclosed houses.

Short Sale:

This option to buy bank foreclosures depends heavily on the lenders, whether they will accept short sale or discounted payoffs. Short selling means that lenders have agreed for homeowners to sell their distressed properties and to accept the total sale cost as payment for the unpaid loan balance. Homeowners may opt for short sale in an effort to avoid foreclosures and to save their credit score.

If you plan on buying a bank foreclosure through short sale, make sure to talk to the lender or the person responsible for the short sale. Come prepared with your finances in order. This is a way to give you leverage during the negotiation.

Pre-foreclosure:

During the pre-foreclosure stage, the distressed homeowner is on the brink of foreclosure and has decided to sell his property to pay off his debt and avoid foreclosure. Make sure that you do some background check on the property first to know if there are hidden liens attached on it. Sometimes, in their desperation to sell the properties immediately to avoid foreclosures, the homeowners will not divulge any information that may turn off potential buyers. It is advisable also to hire a home inspector to give a professional assessment on the structural condition of the property.

Auctions:

Another way to find a cheap foreclosed house is through auctions. Here, the property goes to the highest bidder. Before you attend an auction, make sure that you have set your budget so as not to overbid on a property.

These are some common ways to find cheap bank foreclosures to buy. Your budget and requirements will dictate what method you will choose to buy bank foreclosed houses.

Loan Modification Document Checklist

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Home loan modification may be the best way to get out of delinquency and save your home. But promising as it is, a loan modification can only work if you do your part in the process. Reports from major lenders show that most loan modifications fail because people don’t comply with the requirements, particularly when it comes to paperwork. It may seem like a big task, but it’s not as complicated as it seems – and it’s always worth the effort to save your home.

Your home loan modification attorney can help you gather the documents you need to complete your application. To help you get started, here’s a list of loan modification documents required by most major lenders.

Hardship letter This is basically a letter explaining the circumstances of your default and how you have recovered. Make sure every claim can be backed up with solid evidence such as bank records, and don’t exaggerate or play down details. Your home loan modification attorney can help you draft your letter to meet your lender’s standards. Most lenders also require a photo ID and a copy of your social security card.

Proof of income Steady income is one of the main requirements for a home loan modification. Your bank will want to see proof that you’ll be able to make your payments once the loan is modified. The general requirement is two months’ worth of pay stubs and tax returns for the last two years, or if you’re self-employed, your latest IRS filing plus proof of two months’ worth of income. If you’re getting child support, pension, or other sources of income, you’ll need to provide proof of these as well.

Financial status Your bank will want to know how your current finances are, and whether you have assets other than your home. Provide bank statements from your current accounts, including checking and savings. If applicable, you can also submit statements from your 401(K), profit sharing plan, IRA, or retirement account. Investment accounts such as stocks and bonds can also serve as proof of assets. Your home loan modification attorney can help you determine which ones will be most valuable in your case.

Mortgage documents Most lenders will ask for your latest mortgage statement, as well as any recent correspondence you have received from them. If your mortgage payment doesn’t include insurance and taxes, you may need to provide these statements as well.

Other bills Not all lenders will require utility bills such as gas, electricity, phone and water, but it won’t hurt to put in some as well. These will give your bank an idea of your monthly expenditure, which in turn helps them find a suitable home loan modification plan. Other useful documents include garbage pickup bills, home insurance policies, and homeowners’ association dues.

Online Entrepreneur Rut

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One of the great aspects of having an online business is supposed to be that you can work from home, make your own hours, work in your PJ’s and build a business of your dreams while enjoying your leisure, your family, your life. Right?

SCREECH! What happened, then?

Are you afraid to get started?
Are you avoiding the things that you know will push you to the next step?
Are you stuck behind your computer, alone and overwhelmed?
Are you getting lost in cyber space, surfing and not building?
Are you avoiding engaging in activity, often not leaving your home office for a day or two…
… and leisure, what’s that?

I call it the Online Entrepreneur Rut. This rut can leave you feeling down, lacking energy, lost, alone, and have you questioning your reasons for wanting to start this business in the first place.

Here are Some Simple Ways to Ensure Success:

Reach out to build or find your community, your village, your tribe.Networking both online and offline is a vital an important part of your growth.

Surround yourself with the support of others that you can share successes with. It can be challenging to get out there and share your frustrations with another. However, most often, the case is that the person you are speaking to is currently or has had a similar situation, and ill be glad to give you thoughts and ideas based on their experience.

Step away from it all. Really, shut down the computer, turn off the technology and get away from it all. Try going for a workout, walk in nature, listen your music to get your creative juices flowing and your energy soaring.

Do something to re-connect to your inner dreams and goals. Do you meditate, read, journal? What will help you be re-inspired and remember why you began this journey to start with?

Attend various networking meetings, business trainings, weekend events. Building relationships is key to success. Enjoy a few in person meetings over coffee for a much needed break.

Call on people you trust to bounce off ideas, frustrations, and fears. I love the Buddy – System! Work with your friends and colleagues to keep accountability and get trusted feedback.

Check in with your Coach or Mentor. Working with a coach will catapult your progress. If you don’t have one, consider doing so.

These efforts can help make your experience as an Online Entrepreneur a rich, fulfilled and satisfying one. You may have an opportunity to gain vast knowledge, feedback, and creative ideas. These key ingredients assist your business to flourish more quickly and smoothly. In my six years full-time with my online business, I’ve used these methods to build some wonderful relationships and alliances with experts that are just plain good people. I am now grateful to have trusted colleagues and to call many of them my friends.

Go ahead, give it a few of them a try. You are likely to feel much better after you do.

How To Submit Winning Offers For Bank Owned Properties

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Bank owned properties are very popular types of home foreclosures especially among investors and buyers who are prudent in their real estate purchases. This is primarily because bank foreclosures are known to be the safest foreclosures investment since banks can deliver lien-free titles to the buyers. Aside from this, you can also buy a lot of bank properties that are significantly priced below market value. But since the real estate market is becoming tougher due to the rising demand for cheap properties for sale, finding the right property is only half your task.

Prepare Your Documents

When submitting offers for bank owned properties, it is important that you submit complete documents. Purchasing bank foreclosures entail a lot of paperwork and to gain an edge in real estate investing, you have to cut corners where you can. An incomplete document or a missed out detail can cause your papers to be stashed underneath piles of other offers from other interested buyers.

Respond Quickly

Sometimes, the banks REO manager will need to get in touch with you to clarify some information or detail contained in your application. You have to be ready to answer these questions as soon as possible. If you are not able to respond swiftly to the banks call, it is likely that other bids will be given preferential treatment over yours. If you find that you need help in responding to the banks communication requests, you may hire a qualified real estate agent or broker to handle your responses.

Do Not Haggle

While banks, in some instances, may be willing to shoulder some repair cost, it is a settled rule that you do not make any request from the bank to handle repairs or any other additional cost until after they have accepted your offer. This is to ensure that when bidding for bank owned properties, you do not make any move that may be interpreted as a premature assumption on your part. To say the least, banks get turned off when they sense a buyer who is more eager to drive hard bargains than to close the deal.

Franchise Opportunities In India

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Franchised operations in India are increasing by the day. Being geographically vast and culturally diverse, India offers the most favorable franchising environment. While companies benefit by having many profit making outlets in different parts of the country, franchisees in India benefit by being able to generate good returns with little investment and risk involved. Entrepreneurs are making the most of India’s franchising market and growing economy by becoming successful franchisees. Indian franchisees can now choose from a plethora of international as well as domestic franchising companies. There are numerous attractive franchising options available in various sectors.

Ever since the franchising boom in the nineties, there have been many success stories. Franchisees in India helped many businesses grow and establish, while also gaining immensely from their business ventures. Examples of international franchises that have been successful in India include food and beverages giants such as Subway, Mc Donald’s and Kentucky Fried Chicken among others. Indian companies that have benefited from franchising include names such as Barista, MRF, NIIT and Apollo hospitals among others. It’s not just the bigger companies; smaller international and domestic companies also look for franchisees in India. The capital required for such ventures would be smaller when compared to highly reputed companies. The downside however, is that the risks are more, since you cannot ride on the popularity wave generated by the reputed companies.

Depending on your choice of business, you can either work from home or from an outside location. The initial capital you may require to start a franchising venture will depend on the type of business and the franchisor’s requirements. Most home-based franchise options are suited for work-at-home women. Cosmetics, healthcare products, services, home business household products and e-commerce ventures, make for convenient yet rewarding franchising options. Franchisors provide training and support and your business can gain from the image and professionalism of the franchising company.

Franchising allows entrepreneurs to have their own business, without many of the risks associated with a start-up business. Franchising also offers you great income and a flexible work style. But, as a potential franchise purchaser, you need to carefully consider the finances and risks associated, prior to starting your business. Read Franchise Plus to learn about the benefits, profits and risks associated with franchising in India. We help you make an informed franchising decision for a successful franchising venture in India.

Entrepreneurship How the Internet Helps Entrepreneurs’ Home Businesses

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The Internet brought a radical change in the way we do everything. It has made the world smaller, and has brought people closer together through high speed connection. In fact, the Internet has made us realize that we now live in a global community and that everything we do affects the world around us.

The Internet not only changed the way we live, but it has changed entrepreneurs’ home businesses too.

Due to the fact that the Internet has brought the world closer together,every business has the potential for a global market. That means that the Internet has made it possible for entrepreneurs’ home businesses to have customers far away from home.

In the past “home business” meant that an entrepreneur would have to get customers from his or her immediate community. Your market was limited,but now you can get your enterprise out of the house and into the world.

No wonder that the big companies of today had to work hard in order to get out of their homes. Many of the today’s big corporations often started as home-based business.

Many entrepreneurs actually take their business to the Internet,because the Internet helps people shorten the time they have to wait until their business gets off the ground. It helps entrepreneurs’ home businesses get the push it needs to provide a global market. The Internet actually allows you to have the whole world as a target.

More and more people are opening up on-line businesses because of the simple fact that they get to make money easier this way. Today’s entrepreneurs’ home businesses actually mean that the lucky businessmen actually get to stay at home while they make their cash, because of the Internet.

Keep in mind that entrepreneurs are the richest people in the world. Professionals, lawyers, doctors, may make a lot of money, executives may have big salaries, but entrepreneurs pay these people for their services. So who do you think is really at the top of the chain?

With the Internet, you can have all the information you need at your fingertips. This means that you virtually have the whole world at the palm of your hand.

Entrepreneurs now have access to every piece of information that can affect their business. We all know how attentive one must be of things that one cannot control. The market is a very unpredictable factor in business, with people changing their preferences all the time. Through the Internet, one can be prepared for any possible events.

A simple search on the Internet allows you to take a closer look at competition. What sets those businesses apart? What is the competition’s weakness? How can you get ahead in the market?

Because the Internet also allows you access to people, you can get expert advice quickly, therefore you can reach important contacts and make business decisions faster. Entrepreneurs’ home businesses prosper because the Internet allows these businesses to have the best of help.

What is USDA Organic and Trade Certified Coffee Arizona

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What is USDA Organic and Trade Certified Coffee

USDA Organic coffee does not feature chemical compounds that are fabricated. This is because several of those compounds that turn up in non-organic coffee feature particular types of herbicides and chemicals.

USDA Organic Coffee

Certifying coffee as natural requires the ranch the coffee was fed at is a completely natural ranch. Prior to coffee could officially be identified natural, a USDA agent must inspect the site where the coffee was created. There are national standards that the coffee needs to fulfill long before being thought about natural. The national standards state that the coffee needs to be grown on a ranch that asks planters not to make use of chemicals on their plants within the last 3 years. Exemptions are usually made to this requirement and there is no assurance that any kind of coffee identified USDA Organic is entirely without deposit from chemicals.

Types of natural plant food that are usually made use of to increase coffee grains feature general garden compost, chicken manure, bocachi, and coffee pulps. If it is determined coffee grains were grown utilizing phosphate or artificial nitrogen the USDA will certainly not consider them to be natural.

After coffee grains have actually been decided on, the Organic Meals Production Act keeps track of the manufacturing of the coffee and controls the chemicals that could be made use of to create it. These regulations are not constantly complied with. The Organic Standards Board of the Usa has actually declared that labeling coffee as natural does deficient any kind of healthier than coffee that is ruled out natural. Trade Certified Coffee

Trade Certified Coffee is coffee that supports the idea of families who run farms having better lives. This is achieved by billing customers reasonable rates for coffee. It also includes the advancement of farming neighborhoods and assisting stewardships of an ecological attributes. A reasonable trade planter is one who functions directly with the firms that give products to grocery shops, bistros and coffeehouse across the country. These are usually international purchasers that could assist planters get their coffee into shops all around the world.

As a result of the fact that planters increase grains to create trade approved coffee, they could much better support their families and spend for the university education and learnings of their youngsters. They also assist to make international professions more prominent and more successful for planters far and wide and also safeguard the atmosphere by keeping the world’s sources and substantially reducing ecological contamination.

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Steps to Owning Bank Foreclosure Properties

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Owning bank foreclosure properties is a simple process which anyone can undertake without the help of agents or brokers. There are real deals to be made in buying one of these distressed properties as long as the buyer approaches the entire affair with diligence and caution.

The process for buying bank foreclosure properties begins with research. The best place to start is the Internet where there are multitudes of web sites providing listings and information on foreclosures. There are free sites that offer country-wide listings but they are highly susceptible to inaccuracies. Your best bet would be the web sites that charge for subscription. For a small investment you get access to all types of foreclosures all across the country as well as news and studies on the market. You can customize your search in these sites to yield only the properties that suit your needs and buying capability.

Once you have subscribed to a web service offering foreclosure listings and before selecting your main prospects, you need to prequalify for home financing first if you do plan to pay for your purchase in cash. You can go to your bank and submit for a financial assessment to know the kind of loan and the amount you qualify for. You need this pre-approval certificate when you make your offer.

The Value Appraisal

If you have selected the home you would like to purchase you need to get an appraisal of the value of the property or at least the most likely price of the home compared to others like it in the market and the neighborhood. Bank foreclosure properties are typically sold at around 20 to 30 percent less than their market value.

The Offer

A typical offer for a bank owned home comes with good-faith money given upfront which can be around three percent of the purchase price. Your loan pre-qualification document should also be included in your offer. After your offer is accepted the deed of sale is drawn up. Some important matters to take care of at this point are the inspection period and the closing date as this could impact the overall cost of your purchase. The bank will allow an inspection contingency phase where buyers can cancel their purchase based on the inspection results.

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