Want to have knowledge of small industries which can be started in 5-7 lacks? -

if strongly feel sari business . one should have silk in hand and butter in his tongue silk sari business will make wonders ....

Photo printing on coffee mugs, ceramic plates, tiles, keychains etct-shirt printing, glass etching, temporary tattoos, airbrushing etcbest of luck.

manufacture of bath room washing chemicals.

Contractor up front money for a job. How much should I pay? -

Having a home remodeled pretty much from top to bottom. New cabinets in the kitchen, new carpet and lino throughout, paint all the rooms, new plumbing and wiring as needed. I have 3 bids on the project at this time and each are asking for different amounts down and as the job is completed. Is there any (standard) when it comes to paying a contractor as the job is completed? The entire project is 19,000 and it looks like for the most part that materials are running around $9,000...Thanks for the help ..

The payment terms for such work will generally vary as you have noticed. Usually up to 1/3 upfront is somewhat standard, but there are no hard and fast rules. You may see all material cost as being paid upfront with a couple labor payments, or on something like your project which is fairly large the work broken down into phases with the phase materials being paid prior to starting the phase and phase labor being due upon completion of the phase. Contractors will have their own terms that work well for their business and the way they work. If all the payment terms proposed work for you the choice should be based on the reputation/quality of the contractor. If you have a preference of one contractor and their payment terms don t fit with your budget you might try working something out. Good luck.

For a big job like this, it s not unusual to have to pay about 30% up front. But you should NOT do that until you ve checked out the contractor with the better business bureau and your state s contractor s board (if there is one), and checked some references, AND have a real contract to sign.

For this kind of a job I would ask for more than 3 quotes. And you might want to consider an escrow service, I would be very cautios with making a big down payment.By the way, if you want free bids, I use the renov. experts - they have local contractors that they pre-screen so you only get estimates from those who made the cut.You can contact them to get free estimates for your job. If you want, here is the link I used - http://best-offers-online.com/estimates

No more than 2/3 the cost of the materials.

We have built several houses and have done extensive remodeling, first and foremost check out the contractor and his references. Go look at his work. Find out if he is licensed and insured. Better to pay a bit more for good work than to have someone scam you and run off with your money. I would pay no more than 25% of the material cost. If he is a reputable contractor he has accounts where he buys his materials, therefore his bills are not usually due until 30 days after the purchase. Then pay him progress billings based on the amount and quality of the work done. If something is not right do not pay him until it is made right. Have your expectations in writing. If it ends up in court, he will win, unless you have a detailed document that proves what he was suppose to do and for how much. If you are not satisfied, take pictures. This is extra work up front on your end, but it is far better than having shoddy work or someone who just leaves with your money. Any professional will work with you - doing an entire home remodel for $19,000 seems fairly low. You mention plumbing and wiring as needed, before you proceed make sure they fully explain costs for any as needed project. Wiring and plumbing can get expensive, take your time, do it in writing and try to be available daily to answer his questions and check his work.

BOA TEST 22 -

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ANSWER TEST 9

Is there any free online accounting program for small businesses (not personal finance)? -

I have a small home-based business and do not have money to spend on expensive software or monthly subscriptions. I would prefer to use something online that doesn t require me to download anything so I can access it from any computer and my phone. Are there any truly free programs like this?

probably not.if it is a small home-based business, then just use microsoft excel or word. i ve used excel and word for my accounting homework and it wasnt really hard to use. and if u cant afford excel, then go to open office and download their free version of excel.

I don t know of anything online that is free. However, you can use the free open source program GnuCash for a business.Read the review by CNET staff here that it is suitable for a small business. You can also download the software from this page.http://download.cnet.com/GnuCash/3000-20��If you have questions, you can search in the GnuCash User forum here.http://old.nabble.com/GnuCash---User-f12��

Does anyone know of a Canadian website that offers online work part time, something legit? -

My company is in over 70 countries and Canada is one of them. I can show you a way that a one-time out of pocket expense of $27 USD could earn you enough to pay all your monthly bills and create some extra cash.Visit: www.2plus7.com/imjustme0502, there are 3 (90) second videos on the left side, view all three. Read the testimonies to the bottom (also, they can be translated into 12 different languages).Send me a message with questions you have and I will answer them for you.

Should an owner of a S corp who is starting a new business set it up as a separate entity? -

Although both the old company and the new company perform similar services, I don t want to worry about being sued for something during the previous timeframe and loosing assets from the new business. I provide legal documents to the public as an independent paralegal. The old company is no longer profitable so I am concentrating on another area I expect will be profitable. I don t want to risk the income from the new business being vulnerable to suit from the older business.

Then you DEFINITELY need to do a separate filing. And perhaps, even close up and dissolve the old corp while you re at it.

If you want to make sure the new company s assets are not liable, you should set up a new corporation.

Set up a separate S Corporation...keeping in mind that you will have additional tax filings for each...You also will combine as a controlled group so check with your attorney.