5 snack ideas to boost employee productivity

As any business owner knows that one of the hardest things to do can often be keeping employees motivated and productive. As the day wears on, people get tired and bored. They start counting down the minutes until it’s time to head out. There are a number of different ways this problem can be remedied, and one of the most simple is with certain foods or snacks. In order to boost productivity in the office, it is important to provide employees with a selection of delicious, healthy, productivity enhancing snacks.
As a business owner, a small investment in the following can yield great returns in office productivity:

The obvious but effective choice: Caffeine

The first up is one that is most likely already present in every office setting around the world: coffee. The caffeine found in coffee is a valuable resource for office workers as it not only provides an extra burst of energy, but it also promotes mental alertness as well as memory. Having a coffee station set up for employees can be especially beneficial in the early mornings, when minds may not be fully awake, and in the middle of the afternoon, when a midday cat nap starts to sound more and more tempting. If you don’t have the space or facilities, organize a ‘cafe on wheels’ service to make a routine stop past your office daily.


Dark chocolate

Now that your employees are alert and ready to go, provide them with some dark chocolate to munch on as a snack. Not only is it a nice little sweet treat, but dark chocolate is also known for its ability to enhance a person’s focus and concentration. Numerous studies have proven again and again that dark chocolate is highly beneficial for cognitive function. Plus it has a bit of extra caffeine for an added energy boost. Additionally, dark chocolate can be a simple way to lower stress in the office. Studies have shown that reaching for a dark chocolate bar in times of stress really can be helpful and calming.

High nutrient loaded juice

A less obvious choice is a variety of delicious fresh, natural, fruit juices. Fresh juices provide a large amount of nutrients that can improve office productivity in a number of ways. For one thing, many fruit juices are very high in vitamin C, which is vital in keeping your employees healthy and minimizing the amount of work time lost due to illness. And many of them are very high in different antioxidants that support healthy brain function. For even more antioxidant goodness, include fresh berries as well. Berries are a great for a quick snack and the antioxidants found in them promote improved memory as well as good motor coordination. Instead of loading up on packaged juice which may be high in artificial sugars and sweeteners, invest in one of the best juicer machines money can buy, which will provide nutrient loaded, fresh juice to employees for years to come. Reading juicer reviews and comparisons is a great way to ensure you choose a high quality machine.


Yogurt, especially Greek yogurt, and nuts are both packed with protein which make them wonderful in an office setting. The protein helps maintain the high energy levels that the coffee jump-started earlier on. Protein, like the antioxidants in berries and fruit juice and caffeine in coffee and dark chocolate, has been proven to support healthy brain function. In fact, protein is one of the most important nutrients in the development of the brain and in maintaining healthy cognitive function.

Cold filtered water

Adequate hydration is the number one factor in keeping humans happy, health and awake, so allowing cold water to be readily available around the office or work-site is key to boosting productivity levels. Here’s a tip: instead of providing costly bottled water, why not install an appliance that provides cold, fresh water, that is readily available all day? look into a combined water softener/filter which will put this process on autopilot. Again, we recommend reading a few water softener reviews to ensure you choose the right machine for your employees.

Keeping productivity up in the office doesn’t have to be difficult. Just a few nutritious additions the break room can make a world of difference.

How Can Exercise Relieve Stress

Stress is a huge problem for many people. Stress is the state of mental or emotional strain or tension that a person experiences when they encounter adverse or demanding circumstances. A lot of people experience stress which results from different areas of life.

People experience stress everyday from having to support a family, from dealing with co-workers and from trying to keep relationships in tact. People are often stressed out when they drive or when they attend social events or public affairs. Stress is everywhere in life and if a person wants to avoid dealing with a lot of pain and problems that stress will cause to their body; they will have to find ways to get rid of problem. One way that people can get rid of stress is by exercising.

Working out is an excellent way to get rid of stress because it allows a person to relieve this condition in a safe and practical manner. When a person’s body experiences stress their blood pressure rises, their veins and arteries restrict. Their body releases bad hormones into their system that could cause them to feel agitated and angry. Stress can also cause people to feel sad and depressed.

The type of exercises that are best suited for relieving stress includes running, playing basketball, jogging, riding a bike, lifting weights and dancing. People can use these various types of exercise and develop a stress relieving routine to get rid of their tension.

One type of exercise routine that could be used for this purpose is the P90X workout program. This program uses cross-training and dietary supplement plan to get people into shape. People can develop a P90x workout schedule and then use certain elements of this system to get rid of their pent up frustrations.

They can use the pull up bar routine to eliminate the tension out of their neck, shoulders and arms. They can use reps for squatting and dead-lifting to remove stress from every part of their body. Bench pressing, curling and butterfly presses are various exercises that can be used to get rid of stress. Lifting weights is good for relieving stress because it allows people to take out their anger in a productive and healthy manner.

When a stressed person works out they elevate their heart rate and get their blood pumping. This in returns loosens up their veins and allows greater blood flow. It also releases endorphins which help the body to relax and to get rid of the negative and harmful hormones that keep people angry, upset and frustrated. In other words, exercising changes a person’s mood.

People can relieve their anger by hitting a punching bag, by playing soccer or even running around a room screaming their head off. You should only do the latter if you are alone and isolated so that people do not think something is wrong with you. The main thing is to find a physical way to get rid of stress through exercise because if you don’t, your body will experience all kinds of health issues.

How to avoid paying too much for pet insurance policies on animals for business use

Photo by Michael Gil

Getting pet insurance is not something that everyone may agree on doing. To begin with, there are those who cannot even afford to buy themselves a decent insurance policy. Why would they bother buying one for their pets? However, there are those who are emotionally attached to their pets, and won’t let anything happen to them. If these are your personal pets, then it might be difficult to make a decision. You are torn between your finances and your love for them. However, if we are talking about animals that are used for business purposes, then you have no other choice but to get insurance policies for them. Here are the reasons why:

  • You don’t have the assurance that these animals will remain healthy all the time. When they are so important for your business and you can’t afford to lose them, you have to get them treated when they are sick. The cost may really pile up. Therefore, you have to get insurance so you don’t have to pay anything during emergency cases.
  • There is insurance that does not just cover the pets themselves, but also those who have fallen victims to these animals. For instance, your dog has bitten someone. Some insurance policies will cover the cost for this kind of injury. If you use the animals for business and they are exposed to many people, then this situation could possibly happen.

Now, if you have decided to buy pet insurance for business use, the next thing that you need to do is to find out how you can avoid spending too much. In doing so, here are some tips that you can follow:

  • Go for a group pet insurance policy. This means that you only have to buy one policy, but it can cover the cost for all your pets. By then, you would have to spend less for your monthly or annual premium.
  • Check out annual premium packages. Though you will pay more at once, it will still be cheaper rather than paying smaller amounts spread throughout the year.
  • Prove that the animals are healthy. Get certification from the vet. Some insurance companies offer cheaper premiums for those who can show proofs that their pets are healthy.

When these animals are used for business, they have to be protected. They are also exposed to several risks. Thus, you want to have them insured so you won’t have to spend much for medical expenses when the time comes. Read more about pet insurance reviews by clicking here.

Helping Yourself and Others at the Same Time – Good Business

In our line of work, we have yet to come across a business that couldn’t benefit from our assistance. Aside from providing a fresh pair of eyes, we also use our considerable experience and expertise to help others develop and improve their business, as well as turn their clever ideas into profitable ventures. The business landscape is constantly changing, and we always try to keep up with the latest trends, as it is the only way to gain valuable experience and ideas which we can build upon later. One of the things that has influenced the business world more than anything in the past 20 years is the emergence of the internet. It was definitely a game-changer. In fact, it is absolutely unacceptable for a serious business or company not to be present in some way on the World Wide Web.

The internet is actually a great way for companies to advertise their products or services, because it costs only a fraction of the cost of a TV commercial. Taking advantage of the influence that social media have on people nowadays is imperative for any business. But, what if the nature of your business makes it tough to market?

One of our clients was a registered nurse, who decided to start her own website, you can see it here http://nursesalaryguide.net, her website is all about different nursing careers and salaries, breaking down into lots of details even across all states. But, since it is a business, she needed to figure out a way to make some money off of it too, as well as help others.

Luckily, the part where we said that the internet is a great place to advertise your products and services for only a fraction of the money it would cost you to do the same on TV, is a two-way street. Your website or a blog can become a good way to supplement your income or even turn into a full-time job. We found a similar medical based site dealing only with Medical Assistant salaries check it out here – it provided an insight into how our client could monetize her own website. Strategically placed online ads are often the best way of monetizing a website. There are countless affiliate programs one can sign up for. Granted, it is not an easy thing to do, and it requires a person to be very persistent and self-motivated, because the results wouldn’t be seen right away. Also, presence on social networks needs to be utilized to its full potential.

Ultimately, though, it is about providing informative and useful content that people will actually read. Getting them to the website or a blog is just one part of the equation. Keeping them there and having them come back for more is another, and arguably, more important one. Developing a loyal base of readers is crucial if you want to make money off of anything online, be it a website, a blog, a YouTube, or just about anything you can think of. Providing information from a place of authority, or sharing experience that is real and valuable still has to be done by real humans, and no technology can replicate that.

The Future Looks Smart – Literally

Our dependence on modern technology is greater than ever. In fact, it is safe to say that it has permeated every pore of our lives. Not even a decade ago, we were perfectly content with having TVs and mobile phones, until we decided that every device we have needs to be “smart”. Okay, so maybe the evolution from a normal cell phone to a Smartphone is not that big of a stretch, but smart TVs are like space shuttles compared to its “non-smart” predecessors. There are other examples such as fridges or washing machines, but TVs and phone are the ones that have caught on the most.

Smart Home Exercise Equipment

While exercising is usually seen as something not related to high-tech, or even quite the opposite, surely enough the fusion has been achieved. We’re talking about the latest in home exercising equipment. Rowing machines, stationary bikes, treadmills and especially elliptical machines, those are all examples where modern technology is used to achieve better results. Gone are the days where you would go to the gym, wait your turn to use certain machines, then come back, spending a lot of time in the process which you could spend more efficiently doing something else. For those who would like to save some time, or those who prefer to work out in the comfort in their own home, elliptical trainers are one of the best and most popular options. In case you are not familiar with modern elliptical machines, visit this website I came across recently – www.ellipticalmachineadvice.com – it offers in-depth information and even detailed reviews of the most popular elliptical trainers on the market. It is a great resource for all you need to get started with an elliptical trainer.

The reason elliptical trainers provide you with the most efficient and versatile workout possible, is the central console unit integrated into most of the models on the market. The unit processes all of the workout data, including the data gathered by the heart rate monitors, and sends them to the LCD panel, where it is displayed. The user can monitor all the crucial aspects of the workout, including the duration, number of calories burned and distance. The goal is to stay within the fat-burning zone, and elliptical trainers make it so much easier to do that. Before, you had no way of knowing if you were doing it right. But, that’s not the only thing that separates elliptical trainers from the rest of the pack. They also come with a number of pre-set workout routines, and you would be hard-pressed to find one that doesn’t fit your needs perfectly, regardless of your age and shape.

So, there you go. Even your workout has been made “smart”. To be fair, you still have to put in a lot of hard work yourself, but modern technology is not just about getting lazy and fat. If there is way we can implement technology to keep us fit and healthy, we should take advantage of it by all means and elliptical trainers are definitely a step in the direction. The devices of the future are going to become smart without a doubt, which is why we have to keep up.

Expand Your Trucking Business Through Financing

If you are building a trucking business, you have to use the right tools in order to build your business. With the right banks and financing, you are going to be able to expand your trucking business through financing. Due to the fact that you need money to grow, you are going to find that with the right banks, you will be able to build your business, add new trucks, and create a business that is going to grow and will thrive.

Consider going used

When you are buying new trucks, you will need to finance the purchase. But, if you want to be able to buy more, for less, an easy way for you to do so is to buy used trucks. In many cases, the trucks are going to have few miles on them, and are going to drive the same as brand new. These trucks will also require less work, as they have been on the road, and are going to be prepared for the work they will do on the road.


When you finance your business, you will also be able to advertise with larger companies. You are going to be able to work with online advertising companies, in order for you to be able to build your company. You can work to help build through social media, and you can also hire an SEO firm to work with you, in order to build your business with the financing you do.


You are going to have to purchase or rent a business building as well. When you finance your business, you can have more money for warehouses, and for the building in which you are going to do work in. So, you are going to be able to rent the facilities that allow you to do more work, and allow you to build your business over time.

As a business owner, you have find ways for you to build and grow your business over time. So, financing is one of the easiest ways for you to build, grow, and develop your business over time. With the right financing company, you are not going to have to worry about over spending or higher interest rates either. With the right company you are going to be able to grow your business, and you are going to have the funds to purchase, to rent, and to find the equipment that you need in order for your business to grow.

Financing is a simple way for you to build,and it is an easy way for you to purchase the supplies you need, and build your business easily online. With the right advertising, with the right equipment, and when you know where to turn to finance, you are going to find it much easier for you to develop your business. No matter what size it is, or how long you have been working, with more money it is easier to grow and develop the work that you do.

Insurance Requirements for an Independent Truck Driver

Like a private insurance coverage policy, truck drivers are also required to have the right coverage when they are on the road. Your insurance requirements for an independent truck driver are going to be regulated by the FMCSA (Fed Motor Carrier Safety) for interstate truckers. States also have the authority to regulate the amount of coverage that is required, in order to drive intrastate, when making deliveries, and driving trucks of a certain size.

Primary liability coverage

The minimum coverage required liability coverage which will protect drivers if they are involved in a accident when on the road. Depending on commodities and items being transported, coverage levels range from $750K up to over $5 million in coverage amounts. Trucks under 10,000 pounds also have coverage options which come in at about $300K for lower coverage policy options. The company that you drive for, and a personal liability coverage amount, should be agreed upon and decided upon by the driver and the company they work for.

Physical damage coverage

Although not required by law, lenders do require it when financing a commercial truck for drivers to be able to transport goods, especially if it is out of state that they are driving. Theft, fire, and other perils are covered via this policy type, and the amount of coverage will vary based on your business needs, and based on personal coverage options which are chosen by the driver of the fleet.

Cargo coverage

The law requires a minimum of $5000 per vehicle, and $10000 per occurrence when selecting a policy to cover the cargo that is being transported in the truck. Drivers and the company that they drive for should determine the requirement, based on weight, items being shipped, and the type of cargo that is on board, each time that the driver is out on the road with the truck.

Other coverage

“Bobtail” insurance is often chosen by certain drivers, although it is not required by law either. This type of coverage is going to be offered in the event drivers are carrying around a trailer or other hitch on the back of the truck, and would like to cover that trailer, as well as the contents that are found in it. This coverage is not required by law, but it is an optional level of coverage to protect certain items which are being transported in this manner.

Each state also has regulations in placed, which will require a certain dollar amount of required coverage to be purchased, based on the type of coverage that is required for a trucker to purchase when they are deciding on the level of coverage to purchase. Because there are federal and state regulations which are in place, it is important to understand these, to know what the requirements are, and to purchase sufficient levels of coverage. Different insurance providers are going to provide varying levels and rates when selecting the coverage, so it is important to compare rates, and compare policy coverage, to ensure you purchase the right coverage when you are on the road.

Making a Living While Traveling Abroad

Summer is here and the old familiar siren song of travel has been making itself heard. Although I live a fairly settled life and am happy where I am in my life, I can’t resist the lure of travel. I have taken many short trips over the last year, but it seems like a longer trip is in order.

I am not talking about a two week trip to a resort, although if it were offered I would certainly not refuse! However, the kind of trip I have in mind is one that lasts about a year and is completely different than any other trip I have taken. Instead of saving up for a short trip, I have decided to start saving up to spend a year in Australia!

Although I actually have enough money and airline miles saved up to make the trip, if I want to be gone more than a couple of weeks I am going to have to start planning now. One great way to be sure I don’t end up in the poorhouse while having this adventure, I am going to have to get a job somewhere while I am there.

Taking an RSA Course

At first the thought of working in another country seemed foolish. After all, what could I possibly do that a thousand other people couldn’t do better? Then I remembered a friend of mine talking about the RSA refresher course he took. I visited http://www.rsacoursesaustralia.com/ and found out that taking an RSA course is actually quite easy!

Of course, I had no idea what the course actually means, so I did some more research. As it turns out, the RSA card is simply a certification you have to receive in order to be allowed to serve alcohol. Some of the jobs that might require an RSA certificate include:

  • Serving food and alcohol in a restaurant
  • Tending bar
  • Working at an hotel where alcohol is served
  • Cashiering in a store that sells alcohol

It looks like if I am willing to get the RSA card, I will be able to work in just about any aspect of the hospitality field. Since a large portion of Australia’s money comes from the tourist industry, I can likely find a job just about anywhere!

Working in the Construction Industry

Another possibility for work is in the construction industry. Although I am not particularly skilled in construction, I am strong and I know how to work hard. This is a great asset and even if it means I am stuck doing clean-up or finish work, I can easily make a living at it while I am in Australia.

A white card is one of the primary requirements to work in the construction industry in the Land Down Under. Naturally, I will have to get a white card in Australia. This site provides all the information I needed, and it turns out that it is similar to the RSA card in terms of being a legal necessity in order to perform any work on a construction site.

Since it looks like with a little effort I won’t have a problem finding work, the next step is getting all of the paperwork gathered together to get a work visa so that I can work legally for a year. That is definitely the next step to make my plan a reality! 

Tips for starting up a medical billing and coding company

The Medical Billing and Coding business can be extremely lucrative for any motivated, organized and financially savvy individual or group. Location is always one of the most important factors when planning to open any business or enterprise. Marketing and economic community integration is also of the utmost importance for anyone planning to begin a Medical Billing and Coding operation. Lastly, any prospective entrepreneur must make sure he/she is well versed in the laws and regulations which govern their field. There are a few more very important necessary steps which we will discuss, but these are some of the main issues one should handle when beginning a Medical Billing and Coding practice.

While no formal degrees or diplomas are technically necessary, it is a very good idea to take a comprehensive course to make sure you have a current and in-depth understanding of the medical field as it pertains to your practice. There are many ways to obtain this knowledge, from private schools and on-line training schools, to industry trade organizations such as the Healthcare Billing and Management Association and the American Medical Billing Association. These courses are not to be overlooked. Knowledge is more than power in this situation; it is an absolute necessity in this business.

When it comes to where you will set up your operation, location is of the utmost importance. It is not just geographical, but when considering where you will construct your working station inside your home you must choose a space that provides you with ample room to work comfortably, concentrate and keep things in an orderly fashion. Some experts suggest converting a spare room or basement to give you that separate office feel.

The best business in the world will only reach economic mediocrity at best without an effective marketing plan. A very good step to take when trying to get your business off the ground is to register your practice with a local search engine. A lot people simply “Google” key words when they need a specific service, and by registering with the local search engine you can make sure your name pops up alongside your competitors. You can also draw up a professionally written letter detailing your qualifications and fees. When it comes to fees you can find out the going rates in your state or region by calling other local Medical Billing and Coding operations and inquiring about their rates. Speaking of calling, it is also a great idea to cold call practitioner offices although nothing replaces the effectiveness of face to face introductions.

There are quite a few laws and regulations which govern what you can and cannot do as a Medical Billing and Coding specialist. You will be receiving, processing and transmitting personal information about patients. Some of this information is so sensitive that some practitioners will be hesitant to work with you unless you have a way to convey your legitimacy and trustworthiness. Some experts suggest that anyone considering starting a Medical Billing and Coding practice work for someone else first to establish legitimacy and gain intimate experience of the industry.

Tips on Opening up an Auto Body Shop

Opening an auto body shop is not an easy thing to accomplish. A person must be totally committed to this type of endeavor before they can even begin to think about operating their own shop. Running a successful auto body shop will need lots of money, planning, patience and persistence.

Capital, Capital, Capital

A potential shop owner must have enough capital to buy equipment and supplies such as all types of helmets and to rent or buy a facility for conducting business. They will also need money for licenses, insurance, building permits and for other hidden expenses and fees. A person must also have a realistic knowledge about how the auto repair industry functions because their success will depend on understanding this wisdom. There have been many instances where truck drivers has transitioned over into opening this type of business due to the extensive training they received as well as the similarities that align in running a business.

A Solid Business Plan

Having a solid business plan is essential because it will outline the process that a person must complete to open a shop. It will also be used as a tool to show potential investors and lenders if an auto shop business will be a success or a failure.

A person should use the services of the Small Business Association to help them to write out a plan or they should hire someone who has experience in this matter. They should make sure their plan is professionally constructed and sound. Otherwise they will probably have a hard time finding investors.

Hiring Technicians and Workers

Any business is only as good as its workers. A person who desires to open up an auto body shop will have to hire competent and skillful technicians to do repair and cosmetic work. Also, technicians have to be certified to work on cars. Employees who have not been certified will need to be trained. This means that an owner might be responsible for providing them with the necessary education and training they will need to perform body work.

Finding Good Suppliers

A repair shop will need all the help that it can get to stay competitive. One way that they can accomplish this is by finding a good supplier that will give them dependable but competitively priced parts and supplies. Having a good chain of suppliers will help to keep their prices low and allow them to remain competitive within the market.

An Auto Body Repair Shop is a Business

Potential auto body shop owners might not realize that their organization is a business first and a repair shop second. Owners who focus too much on the repair end of the business will not survive. Performing basic business functions and daily business routines is necessary for being profitable and successful.

The bottom line is that no one should attempt to open up an auto body shop unless they can realistically fund and manage this type of business. Two or more business partners might be preferable to one. This way a partner can run the business end of the shop while the other partner handles repair issues.

Gear For Your Startup: Choosing Air Conditioners and Messenger Bags to Create a Positive Business Environment

Choosing the right gear to get your startup ready is pretty important. This is because the environment you create for your employees or just for yourself if you’re working alone will have a huge impact on your success.
Many studies have shown this. Here are a few things that it’s important to get right in order to make sure that you make your start up start up right.

Air Conditioners

The perfect air conditioner for your particular startup will depend a lot on a number of specific personal factors. First of all, if you know that your startup is going to occur the following summer, it’s a good idea to buy these off-season since they will be considerably cheaper that way. Then, you can simply store them until the summer season starts. This means purchasing in winter. Air conditioners have ratings based on different factors including especially the amount of air they have to move and cool down. You can either buy one large air conditioner for one large room, or you can buy a bunch of individual air conditioners for a bunch of individual rooms. Proper air conditioner size will depend on a number of factors. The truth is that if you can go with the one big air conditioner for the one big room, this will often be ideal. It’s often the case that startups will have one huge room anyway. It’s cheaper to just have the one big room and then to just use cubicles to designate each person’s work space. You can check Air Conditioner Lab for product reviews and comparisons.

Messenger Bags

Another good thing to purchase for your employees and yourself is messenger bags. This is because you need to make sure that the bags you have can carry all of your equipment. Learn how to shop for the right type of messenger bags that will suit your needs. These bags should be sturdy enough to carry whatever it is you need to carry in your business. You can often find the carrying limit in pounds on the site for the bags you’re going to buy, and most equipment should have stats about how heavy it is as well. In addition, it’s a good idea to check to see how the messenger bag does in terms of reliability and durability. After all, you can never be too sure about aspects such as this. One way to be sure about the quality of messenger bags is to check the online reviews for the item to see what other people think about a particular object.


Some companies will let you buy things like desk chairs in bulk, so it’s a good idea, often, to seek these companies out and see whether they will give you what you need. Office furniture should be efficient and modern looking to give people the right idea about your company. They don’t want to have the chairs to be squealing a lot, and it would be a good idea if there weren’t any rust or other signs of wear on it because otherwise this will reflect poorly on your company.
Overall, it certainly helps to plan these things out ahead of time in order to ensure the best result. That way you can have everything ready to go ahead of time.


The Fundamentals of Putting Up a Small Business

Small businesses of all types are opening every day, from lawn care and home improvement to chiropractic offices and nutritional supplement stores. Just because you are starting a small business doesn't mean you have to be able to fit in a predetermined box. Every business is different, some are located in mall kiosks, others are online only, some build their own locations and others work at home. Whatever your business and wherever you are located, you will still have some of the same concerns as all the other start ups out there – funding, bookkeeping, staffing, insurance, and knowledge of your business and the market you plan to serve.

For example, a cosmetic surgeon wishes to open an office in a new area. He would need to make sure that he has enough funding to build or purchase an office space, as well as enough funding to purchase or at least finance the equipment that he needs to properly equip the office. He would also need to invest in a good software application for his bookkeeping to ensure that he is billing his patients properly, getting paid enough for his service, and that insurance claims are filed properly. Of course staffing is another a concern. Having the proper staff for an office is crucial to business operation,  as is having good insurance coverage.

Insurance is not only for employees but also for the business as a whole. It is important to get the office space insured so he is protected in case of an accident such as a fire. Malpractice insurance is also essential. Without the proper insurance coverage in place, the business is set up to fail.

Finally, knowing the market will make or break any business. This is important on multiple levels that you need to make sure that the market you are looking to move into will support your business model. Let's get back to our hypothetical cosmetic surgeon. Before he can come up with a price list for the services that he will be offering, he would need to research on market prices. There are many ways to look up breast augmentation, face lift, and liposuction prices. The internet is a great resource. He can even look up the prices offered by his competitors with just a few clicks of a button.

Now let's take a look at online businesses and how the same needs will impact your online business. For our example, let's assume that you are staring a website on the new weight loss phenomenon that is the HCG diet. These days, before a person buys anything, they look for online reviews. Say you will be selling HCG injections and pellets. Putting up an HCG pellets and injections review website will do wonders for your business. Don't worry if you aren't much of a writer. You can hire freelance writers to write these reviews for you.

However, this is where you need to consider financing your online marketing strategy. How much is it going to cost to secure a website, a domain, and to pay someone to build the site if you don't have experience in web design. These costs are going to be much lower in an online business than in a brick and mortar location. If you were looking to bring them even lower you might even consider getting the education you need to create your own site, this would be a business expense that you should also weigh in your business plan.

It would still be advisable to maintain some sort of bookkeeping software to track expenses and income. Basic accounting software is available online cheap or even free for a small business owner such as a website owner. Staffing would be in the realm of web design. You may also need to hire a virtual assistant to track orders and reply to emails on your behalf while you are involved in other endeavours. 

You can probably get away without having any outside of your personal health insurance in a case like this. However, in the event that you are offering a warranty for quality or manufacturing your merchandise yourself, you may want to look into insurance for your business.

In this case, knowledge of your market is a little bit different and may involve a lot more research into who is doing the same thing, how many sites are offering similar products, what are the prices on other sites, and what special offers they may have. This tends to be a bit more of an ongoing research scenario compared to our first example.

I hope you've gained a little insight into how important it is to have a good business plan when looking to start-up a small business. Financing,  insurance,  staffing,  bookkeeping,  and knowledge of your market are keys to your success.