The most effective form of advertising is word of mouth. Word of mouth or referrals cost no money, typically result in a new customer for the business and normally generate a very high response rate. It is unfortunate that other forms of advertising do not work the same way.
Credit card debt isn’t all the same. Some people go deeper in debt than others, some have more resources than others as a safety net. Go into these dangerous waters very carefully, with a serious business plan, and a lot of thinking to provide a foundation to your decision to take this kind of risk.
Start by understanding that this area is governed by banking law designed to protect depositors’ money from banks taking too much risk. So most of what they require is not up to them and not a matter of how good your business is or isn’t.
Before renting to you, most landlords will ask for you to fill out a written rental application form. A rental application is different from a rental agreement. The rental application is like a job or credit application. The landlord will use it to decide whether to rent to you.
It is important to note that a worker’s classification as an employee or an independent contractor is not an arbitrary election by an employer or worker but is based on the worker’s job and the control the party who engages the worker exerts over how the worker performs that job.
As a general rule, a 401(k) plan allows for much larger annual contributions overall and larger contributions at lower levels of income than a SIMPLE IRA plan which can make a 401(k) plan more appealing to both businesses and their employees.
State and local sales and use tax laws vary; however, for sales made to customers in the U.S., when a business has no physical presence in a state, it typically has no obligation to collect sales tax in that state.
Converting workers you have treated as employees to independent contractor status is particularly risky when the workers will hold the same jobs as contractors as they did when they were classified as employees.