A Guide To Opening A Business Bank Account

Whether you will be starting a small or large venture, one of the important tasks that you have you do is to set up a business bank account. Although you may think this is just an additional task that will eat up your time and may even be unnecessary (since you have a personal account you can use), having a business bank account can be really advantageous, especially for your start-up company.

One of the important reasons why your company should have its own account is that even if your venture is a sole proprietorship, an official business bank account makes it easier for you to keep your business expenses separate from your personal ones. Also, having a separate account will make it easier for you (or your accountant) to compute and pay the necessary taxes for your business. Lastly, a business bank account can help make your company look more like a genuine, professional business as opposed to a small and possibly untrustworthy operation.

If it’s your first time to open a business bank account, below is a guide and some helpful tips that can help you with the whole process:

1. Be on the lookout for any specials or promos offered by banks, both local and commercial ones. There are many banks today that offer cash bonuses, fee-free credit card transactions, and other incentives to attract new business customers. Take advantage of these offers so that you’ll gain greater flexibility and save more money that you can use to invest in the operation of your business.

2. If you already have a personal checking and savings account, visit your bank. Ask the representatives about the business bank accounts they offer. You may be able to get a better deal by keeping both your personal and business accounts at the same bank

3. Ask the bank representative for a rate sheet that shows the current interest rate on business checking and savings accounts. If you plan on keeping a huge balance in your business bank account, earning some interest will be a really nice perk.

4. Select a business account that meets your requirements. Choose an account that won’t charge you maintenance fees or per-check charges. In addition, make sure that you will be able to meet the minimum balance requirement to avoid incurring service charges.

5. Once you have opened your business bank account, wait a few days for the funds to settle in your new account. Check the balance to be sure that your initial deposit has been credited. Get in touch with the bank if there are any discrepancies with the initial deposit or if you have not received any account paperwork within a week of opening the account.

Read more tips about opening a business bank account here.

How to Choose an Online Printing Service for Business or Personal Needs

Ordering you personal or company printing work online is the best way to go these days. Companies like Vistaprint and others have refined the ‘web to print’ business model to the point where offline providers find it difficult to compete. Online printing is not only more convenient than other options but it is also more affordable and offers most people a better product selection than they would otherwise get.

Whether you need business stationery and promotional materials or wedding invitations and greeting cards, you’ll find that the range of product offerings with online printers is huge. However, with the growing number of firms out there online offering printing services it can be hard to know which one to choose. In the following articles we have set out some ideas to help you make an informed decision.

Firstly, you want to find out some basic details about a printing company and who is behind it. Look for information on their site relating to how long they have been in business and where they are operating from. Do they have decent telephone support if things go wrong?

Pricing is the most important consideration for many but don’t let this be the only factor to influence your decision. The companies that offer the best products and services are usually a little more expensive. You may get better value with them than you would with a low cost provider that will mess you around or rip you off entirely. You can easily compare prices as most online printing companies feature a price estimate calculator on their site. You’ll find that there is a considerable range of prices for many commonly printed business and personal items so it is worth checking out at least four or five companies to get an idea.

The selection of products and services on offer is important. A printing company must be able to provide what you need in terms of the product type, specifications and volume. If you need a wide variety of printed materials for your business then it will be convenient if you can get everything from one supplier.

Many offer additional services like the popular mailing service where they will send your printed materials directly out to your clients, hot off the press. Some will even sell you a targeted mailing list if you don’t have your own database.

Find out if a printer offers offset or digital printing. Offset is usually the better of the two when it comes to quality although you will pay more for this unless you order a decent volume. Most online printing companies give some details on their websites about their printing operation and the kind of printing they are capable of.

Give some though to the design of the materials that you need printed. At a minimum you will have to be able to upload your designs to the site. It is also nice to work with a printer that offers you DIY options like design tools and templates. Some also have their own in-house designers if you need something specific.

Some online printers will charge you to proof your artwork to make sure that it is ready to go to print. Others offer this service for free.

Requesting a sample is usually made easy as most online printing companies have a form on their site for you to complete for this. If you have time you may as well have them mail samples out so that you can verify the quality.

Make sure that you are aware of the turnaround time for your order. This is the time that it takes for your order to be printed and ready for shipping. Delivery time is how long your order takes to arrive at your address from the time it is dispatched. Allow plenty of time if you need your printing done before a deadline on the off chance that there is a delay with your order.

Before hitting the order button make sure that you are aware of a company’s refund and satisfaction guarantee policies. Read the find print on their site and make sure that it is fair. Most printers on the web will avoid issuing refunds or doing complimentary reprints unless the order had errors that were their own fault. It is therefore critical to ensure that your order is proof read and checked several times to ensure that it is correct in every way.

Lastly, you should do some research online to find out what other customers have said about a specific company. There are numerous blogs, forums and consumer feedback websites out there that people will turn to if they feel that they have had exceptional service from a printer. There are also consumer complaints websites and the Better Business Bureau for those that feel that they have not been treated fairly. If the printing company that you have in mind has a lot of good reviews then go ahead. If, on the other hand they have had a lot of complaints posted about them then you should think twice.

Key Small Business Tips for Success

Small business tips for starting your own business can put you on the path to financial success.

The SBA says that the term small business includes concerns that are organized to make a profit and have fewer than 500 employees. In this post, small business includes work at home, affiliate marketing, network marketing and online home based businesses, and I will explore small business tips to help you achieve your business goals. These tips will help you get customers and generate more sales quickly.

Here are key small business tips and questions to consider:

1. Why do you want to start a small business? Starting your own business requires commitment. So, don’t proceed to do so unless you are prepared for long hours and frustration while you are establishing your business. For many, enduring this is well worth the potential of financial security.

2. Will you market a product or service? A service business is one where you offer your expertise to clients. For a product business, you will need to offer a tangible product. Typically, a product business is more expensive to launch than a service business.

3. Do you have a simplified business plan? The thought of writing a business plan is intimidating to most aspiring entrepreneurs. However, it is possible to write a one-page plan that tells the what, who, how and where of your business. You should keep it simple. You can add details as you go. Just get it started.

4. Who is your customer? Describe your target customer in as much detail as possible. Know their needs and wants. Know how you can provide a solution to their problem. This profile will help you create a targeted marketing message and save you time and money in reaching prospects.

5. What is your pricing? Pricing is an art and a science. You need to cover your costs and generate a reasonable profit. Doing research to see what your competitors are charging can help.

6. Are you watching your costs? Many entrepreneurs tend to underestimate how long it will take for their small business to turn a profit. Don’t burden your business with too many costs too quickly. To keep costs to a minimum, hire interns and outsource or barter for services.

7. What’s your plan for getting customers? One of my coaches says the secret to business success is spending 85% of your time doing things that will lead to sales and 15% of your time doing everything else. You’ll need a marketing plan. How do you plan on attracting prospects and converting them to paying customers? Design your advertising to generate sales. Your advertising should always include an offer and an easy way for prospects to respond.

8. Are you using social media? More and more businesses are moving to social media because their prospects are on social media. Only about 25% of small businesses are using social media to build their business. So, creating a presence on social media will give you an edge. This typically means building a fan page on Facebook. There are many resources you can use to build a fan page.

Here are some small business tips to attract more customers online:

1. Be sure to add local content targeted for your specific area.
2. Make sure prospects can find you online and offline.
3. Be very clear about what your business offers.
4. Participate on social media consistently.
5. Watch what your competitors are doing. See what is working and what is not working.

These small business tips require you to be consistent. It takes persistence to establish a social media presence.

If you act on the small business tips above, you will increase your chances of success, you will effectively leverage your time, and promote your business profitably.

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