Got a small business question here, can anyone help? -

Me and my dad are starting an internet business selling used horse tack. We were wanting to make this into a small business. We live in the state of Missouri and I was wanting to know what we had to do to make it to where we were considered a small business and could write off cell phones for calls and to check internet on our phones. Thanks for all the help.

you can operate as a sole proprietorship and try to keep track of when you used your cell phone for work and when for personal, but what i would suggest is incorporating, to do that, what you need to do is consult with an accountant to determine what type of corporation you should form (my guess is it will be an S corp), then you will have to have a lawyer draw up all the paperwork. You will easily spend $750 just for these consultations. Despite that, you really should incorporate, it can provide excellent tax breaks that will not only benefit your business but your personal finances, it also makes things cleaner and if you were ever audited by the IRS, it s easier to prove what is what. on top of that, if your business starts generating serious revenue, you ll just about have to incorporate anyways.good luck with your business, internet businesses are incredibly comptetitive,

This is from a non-tax-professional.The easiest way to make this work the way you want is to simplify everything. What I mean is, combine as much as you can into a single bill. Run this by an accountant just be be sure:My local cable company offers both internet service AND phone service. I use both for home and business, so I can t write them off. However, if I had a regular land-line and only used the internet for business, it would be an easy one-bill write off for business expenses. As for cell phones, just be sure they aren t being used for personal use - or at least that you re not incurring any extra expenses because of personal use.Hopefully that gets you on the right track.

Too hot to handle,Can one size fit all amp; Flirting with risk solutions cases in finance by Jim Demello? -

Cool. Yes, one size fits all - unless you are skinny like me.What exactly is your question ? - it s just a tad unclear . . .

How should $10K be used to retire in 5-10 years? -

If you don t know, please don t answer, I need expert people to answer only.

Pick an area you know and enjoy and figure out what kind of niche business you can start that complements your interests and where you can come up with a Unique Selling Proposition.Once you do, open a business serving the niche. Given you level of resources I suggest that you look to the internet as a solution to your problem. The advantages are low cost of entry and a world wide market, but you have to have something unique to offer and you will have to learn how to develop quality traffic on your website. It will probably take you a year to come up your idea, a year to get your website up and running well and a year or two to build to a reasonable level of sales. After that your business should continue to grow each year and, hopefully, by the end of ten year you will be able to retire.Good luckJerry-the-bookkeeperHope this helpsJerry-the-bookkeeper

It depends on what you mean by retire . How much do you need every year? If you need somewhere in the range of $500-$1000 or so per year, then you should have no problem starting now with only 10K.Most people, however, need more than $500/year when they retire. And with only 5-10 years, you 10K now is not going to grow all that much.A very good return on that 10K would be about 8-10%/year, which would turn your 10K into about 15K in 5-10 years. You MIGHT be able to average 8-10% per year in the stock market, but this is by no means guaranteed. Probably not, in fact.An absolutely safe return would be in the 3-4% range that treasury s and on-line CD s are currently paying. With treasury s you won t lose any money, but you also won t have very much after 5-10 years.If you want to hit it big and have 100-200K in ten years, I d suggest either Las Vegas or your local race track. If those are not attractive options, you re going to need more starting money.

Stocks are going to be the most likely way to go in the short term. I recommend some good mutual funds or a well diverified portfolio of stock for the long hauls. For fast money, go with the ones who are on the rise and sell when they stall or you think they are going to tank. Day trading in not a garenteed winning method unless you are a broker.Think about how wide spread the recent crash was-do not put all your stock in one company.

you cant is the simple answer. Think how much money you need to live on. Say you need 50,000 per year. So, how much money do you need to have invested at say 7% to earn 50,000? So, you need at least 700,000 to spin off the 50,000. But wait, you need to think of inflation and you investments must grow to compensate for that as well. I m retired and believe me, you will need alot more money than you think. I hope this gives you a place to start. Now, don t be discouraged, start saving now and you can make it. I retired at 45, very unusual for most. I earned a lot of cash, and invested it wisely.

Stocks. That is the only way to increase your worth. Stick with companies that provide necessities such as Kellogg s. Everyone buys cereal. Hormel and Kraft food are two others I like

How to give self introduction in bpo jobs? -

in bpo jobs

While giving interview in a BPO, please keep few things in mind.1. Dress properly.2. Dont try to be extra casual.3. While u speak dont try to exaggerate ur profile.4. If going for voice process speak politely, with proper pauses and be clear.5. In group introduction interview dont dominate other people and let ur interviewer speak first then say may i if he/she say yes then go.6. break your introduction in part from personal education any experience interests/hobbies.7. Just believe in urselfALL the BEST !!!

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How Can I Make money when im almost 15 ? -

I need money and I want A job but how do i make money??

lol wow they had some funny answers...... theres a few corners around there somewhere

Based on historical records, I should get well over 15% per annum, ... Saving for Retirement �C I m almost done! http://bit.ly/7ZRL2 ... So to reach the target of total 3 crores , you need to make 1.35 crore more for which you have two choices ... Of course after that I ll still need to earn money for my regular

I don t know if a 15 years old girl can make money online but I know a website that pays people just to sign up for FREE. You can participate if you are 16 years old.All you have to do is Sign up and tell to 3 of your freinds then you will see the results. See the details at:- http://www.emoneyon.webs.com

Find all money making sites here athttp://moneyearnerblog.blogspot.com

Have you ever been denied for an SBA loan? -

What reasons do they deny their startup loans? Im interested in the 7a loan, but want to know what reasons they may decline it.Thanks!

Hi Jay,Just like a bank can deny a loan for various reasons, the SBA Guarantee programs can have the same kinds of faults. And, it is the BANK that approves or denies the loan, not the SBA program.The SBA Guarantee simply allows the bank to broaden their loan criteria to allow them to loan money to a client who may not otherwise qualify. Personal credit history, and insufficient personal contribution are the two main reasons a bank denies a loan app under SBA guides. Oh, and a poor or incomplete business plan goes into the equation as well.The SBA and the Federal Govt are not fairy godmothers in the lending business. They make their decisions/allocations according to the reasons for having the programs in the first place, not to make your life easier. Check out www.business.gov, www.sba.gov, and www.score.org You will find tons of info on preparing plans and submissions under SBA guides. Planning is key. In order to plan effectively, you must conduct some research. What do you need to provide your services? Who will you provide them to? Who are you competing against? What makes you better; gives you an edge ? How are you going to reach your prospects/potential clients? Answering these kinds of questions gives you a basis to begin a business plan.You can download my free research outline at www.abusinessmentor.comIt should certainly guide you in the right direction.Good Luck!