cForklift Parts

June 9, 2017

Essential industrial components explained: The ins and outs of forklift parts

High quality forklift parts are the lifeblood of many distribution firms as well as large scale retailers all over the world. You may or may not have driven a forklift truck before but you should be aware of how important it is in transporting bulk packages of products for all sorts of businesses. Here is some essential information about forklift parts:

Forklift trucks, also known simply as used forklifts or lift trucks, have been an indispensible piece of equipment for manufacturing and warehousing operations for the best part of a century. With the first forklift parts as we know it being used in trucks in the 1920s, the technology has since become a necessity for any firms transporting large amounts of stock. Forklift trucks come in a range of shapes and sizes varying from very small, basic designs to sophisticated machines, and are manufactured by several different companies including Toyota, Artison and Linde.

Therefore forklift parts vary greatly depending on what machine you use.

However there are some constants when it comes to forklift parts; the devices get their name from using a fork to pick up materials. Consequently they all have two metal prongs which are designed to lift things from underneath by being inserted and then raised using a mechanical system. Other important forklift parts include seats, safety lights and chain components.

Where can I find the right forklift parts?

When it comes to forklift parts different suppliers work to different specifications so, much like when replacing car parts, you need to find the right components for your particular model. Always try your best to locate a specialist supplier with a good reputation as forklift trucks are expensive and installing bad quality parts could be to the detriment of your machine in the long term.

One firm with an excellent reputation can be found at Lift4less.com. The business stocks the most diverse array of high quality forklift parts at affordable prices as well as used forklifts in perfect working order so visit the website today for more information.

Electric Cigarettes (cigarros electronicos )- Could They Be For You Personally?

June 14, 2017

E-cigarette will make it easy for you to definitely unwind WITHOUT health problems.

Maybe you’ve heard with regards to electronic cigarette(cigarro electronico) smoking still? Electronic cigarette smoking include many rewards within the standard smoking cigarettes. We ought to start by way of revealing just what a electronic cigarettes(cigarros electronicos) smoking really is — a digital camera typically fashioned much like a smoking cigarette(cigarro) which can help you inhale nicotine by utilizing water smoke. These products tend to be fumes cost-free and don’t demand lighting, meaning that you might relaxation almost everywhere you want. Nowadays it is possible to relax in the bar, at the office, on college and possibly with planes!
Seeing you will probably have discovered, you’ll uncover a number of forms additionally to brands of e-cigarette(elektronines Cigaretes) smoking offered. There is available this cigar, electronic, minuscule smoking cigarettes and perhaps some kind of conduit you can choose.

What kind you at long last choose relies your own preferred manner of cigarettes. Nevertheless the designs will vary, most electronic cigarette(sigaretta elettronica) smoking work similarly. Lots of people incorporate a cartridge, atomizer additionally to energy supply that really help this ecigarette smoking work. This cartridge will most likely incorporate a juice nicotine concoction together with a atomizer. This atomizer will most likely warm-up this juice having a cartridge, creating some kind of vapor including smoke, that’s breathed in in the smoker. Numerous will most likely have the ability to consider other immediate advantages.

You do not have inappropriate reason to acquire electronic cigarette(sigarette elettroniche) smoking. Lots of people include no harmful toxins, you are able to really fumes everywhere and additionally they’re a lot more affordable compared to regular cigarettes. People also won’t have to assist take into account smelling including fumes additionally to trashing ones clothes, house or possibly vehicle inside. Let us face the product, customary cigarettes can easily have numerous cost, specially when people consider each of the disguised . prices including such. At this time people can actually certainly take advantage of the pleasure associated with cigarette free from a few of the extended unwanted effects. Just in case you’re sole additionally to looking for someone up to now, using the electronic cigarette smoking people should not get judged to become a smoking afficionado. This collection associated with benefits goes so on and you’ll probably consider numerous yourself.

People may be considering trying electronic cigarette(elektroniskas cigaretes) smoking with the first time or you might have previously a few. In either case, it is possible to save money by way of finding this right ecigarette smoking website. I wound up saving nearly 40 dollars upon the main starter set by way of having to pay for that item around the internet additionally to After I will start to trading within the ecigarette(elektroniske cigaretter) smoking supplies at this time around there, much like refills additionally to eLiquid.

E Cigarettes – Environmental Friendly and Stylish Alternatives to Smokers!

July 5, 2017

The mere sights of cigarette butts makes many cringe frown and roll their eyes in disgust. Insult is added to injury when the breath of one in close proximity to another is smoky and stale. It is such concerns that have led to the invention of E Cigarettes!

These are cigarettes whose utilization requires small power from battery and are also available in various flavors and varied nicotine levels. Owing to the fact that the charge from a short cable is required, carrying the electronic cigarettes and taking a puff away from the comfort of the home can be quite tasking in some case. This means that the smoking habits of individuals are in fact regulated! Also, the human body is protected from harmful smoke that is not emitted by the electrical version of these new age top notch cigarettes.

The Cigarettes Are In A Dignified Pack and They Are Durable!

For the first time ever, tobacco smokers do not have to carry matches and lighters causing burns to their finger tips and boring holes into their Sunday bests! Smoking has been taken a notch higher and the result is basic dignity for the smokers because they will not disrespect the non- smokers among them by contaminating the air that they breathe. Electronic cigarettes and the packages they come in can also be reused meaning that a lot of money isn’t spent in every interim in the purchase of pack after pack as in case of regular cigarettes. The style and durability factor surrounding the new age cigarettes is just remarkable!

They Are Environment Friendly!

For starters, this kind of cigarettes cannot be put on unless with a source of an electrical current. This means that rooms and pathways do not, under any circumstances, get filled with smoke just because a smoker passed by! The smoke usually part and parcel of the activity of smoking, is done away with meaning the air, even around a smoker, is always fresh! Disposals for the cigarettes have also been invented, meaning that they are gotten rid of responsibly so that there are no harmful smoking bits and pieces carelessly thrown away which pollute the environment!

E Cigarettes have made the world a better place, at the very least! Those who indulge in smoking on a regular or even irregular basis can therefore finally do so responsibly and while giving better consideration to their health.

Unintended Consequences of DMEPOS Competitive Bidding

June 14, 2017

Medicare’s DMEPOS Competitive Bidding Program has been in the public eye before its implementation in January 1, 2011 with lots of clamor on its possible negative impact on the Medicare population. DMEPOS or durable medical equipment, prosthetics, orthotics, and supplies include wheelchairs, oxygen concentrators, pacemakers, hospital beds, prosthetic limbs and other medical equipment intended for typical elderly and/or disabled.

The Centers for Medicare and Medicaid Services (CMS) competitive bidding program for durable medical equipment give emphasis on price competition among suppliers and providers. The innovation made on DMEPOS competitive bidding program greatly affects vulnerable medical beneficiaries of Medicare specifically on their freedom of choice, access and avail quality DME supplies. During the testing phase of the competitive bidding program, major problems were encountered by patients and beneficiaries that include additional costs to Medicare for numerous emergency room visits and longer hospital confinement, unfamiliar DME providers, and inaccessibility to vital equipment and services.

The CMS Medicare program will also take its toll on the marketplace with DME suppliers and providers engage in cutthroat economic competition to get their bid approved. Reduction in the cost of durable medical supplies will lead to inferior product quality and service for Medicare beneficiaries. Most DME bidders will resort to “predatory” and “suicide” bidding that result to unrealistically low bid prices. Small players in the bidding market such as Dallas medical supplies companies will have a hard time competing with large firms. The DMEPOS Competitive Bidding Program could take out most trusted and preferred DME suppliers of Medicare beneficiaries.

Various Home Medical Equipment (HME) organizations and advocacy groups are lobbying for the repeal of the competitive bidding program from influential members of the House of Representative. Certain bills for its repeal or modification are already sponsored for deliberation in the US Congress. Toll-free numbers are set up by HME groups for queries, feedbacks and updates of the program. The competitive bidding will affect nine major metropolitan areas of Charlotte, N.C.; Cleveleand, Dallas-Fort Worth, Cincinnati, Kansas City, Orlando, Miami, Pittsburgh and Riverside, CA. The unintended consequences of DMEPOS Competitive Bidding have yet to come and change the culture of the United States Medicare program.

Why Are Women Crazy For Fashion Bags

June 19, 2017

Why women are so obsessed with fashion bags? Particularly ones with big fancy brands like Chanel, Gucci or Hermes. Practically speaking, women usually would have lots of odds and ends, so they need bags to hold these little stuffs. But you may ask that men also have things like that, why wouldn’t they shop for fashion bags so diligently like women do? All they need may just be a shabby sport bag.

So psychologically speaking, women are more likely to be lack of the sense of security, thus they need to put all their stuffs in a bag which is totally under control with them all the time. Therefore bags, especially big ones like fashion sports bags which combine both fashion and sports, precisely meet this psychological demand. So they would come back again and again in the fashion trend.

Many petty bourgeoisie women’s enthusiasm for bags can be described as simply “insane”. They shop for fashion bags as frequently as they eat, worry about the delay of the new arrivals and so on.

With respect to commerce, designers are now conveying the idea that your bag and clothes are completely an organic whole. While they design clothes, they also work out bags of various styles to seduce you. Undoubtedly they’re quite successful in terms of business. You can see lots of woman take delight in collecting all kinds of bags just like stamp collecting, the more complete, the better.

So does a woman really need so many bags? Are you patient enough to pick up a different bag everyday when you go out? Frankly, as a busy working woman, that’s both unadvisable and unnecessary.

What I need, is a firm bag which is not excessively noticeable colored and not intricately styled. Neither too big nor too small and accompany me year in and year out. So that I won’t leave things due to changing bags and I don’t have to change a bag to match the dress. In a word, your bag doesn’t need your attention at all; the saved attention and energy can be well utilized on other aspects.

Surprisingly, I happen to know that the French fashion magazine Editor in Chief is a woman who basically doesn’t take a bag. All that is with her is just a purse.

Here what I’m saying is quite reactionary in the eyes of those fashion designers. However, facing eyefuls of seductive bags, there’s only one that I need and want.

Vacation Rentals and Holiday Home Rentals – "Tips For Renting"

July 21, 2017

So you’re planning the holidays, you fancy something in the sun, but where to go? Who is coming? How many?
Will we rent a luxury condo or house instead of staying in a hotel? Well you can make big savings by taking a Villa. Plus, you’ll have more space and privacy to relax and enjoy your home away from home. Renting a vacation home is an especially smart choice if you’re traveling with a group of friend or with kids.

Here are some tips to help you get the biggest bang for your buck.

1. Once you choose a destination.
If you’re looking for sensational savings your best bet is to choose a destination where there are a lot of holiday rentals on the market, keeping prices competitive. You can find some of the best bargains on vacation home rentals online if you know what to ask about and how to protect yourself as a renter. Don’t be shy contact the owner and ask for a deal.

2. Comparison sites- way to go!
Now it’s easier than ever to comparison shop when you’re looking to save on a vacation home rental. You can find some of the best rental home listings the net has to offer on sites like holiday121 and other consolidator sites like these. These are referral sites not booking site and you can check out many homes at the same time to get the best prices and most suitable dates and keep a record of sites visited.

3. Don’t send money.
When renting a vacation home, never send anyone money it’s a bad idea. Pay by credit card or PayPal where you have some come back.
Ask for references, and check out their Web site and their track record. Read their reviews! Read the fine print. Is there a cancellation policy? What if you have to leave early? Does it stipulate when you will get your breakage deposit back? Spend the time up front checking things out so you won’t have any hassles later.

4. Know exactly what’s included.
When you book a rental home for your holidays it’s a short term rental and everything should be included, if there are extras like pool heat, these will be stipulated on the invoice.
Most rental homes will say “everything’s included,” but you want to double-check to be sure that there are no hidden surcharges there should not be any.
If utilities, Internet and cable are included, does this mean the property has Wi-Fi and high-speed Internet? Is it basic cable or premium? If electricity is paid is there a cap? Many properties will say they include utilities, electricity and gas and then the fine print says it’s included, up to the first $200.
Recommendation; don’t touch a short term rental that is not all inclusive.

5. Who is the local management company?
Ask who has the local management of the property these are a very important part of the service and backup. Your rental contract should include who to call if your dishwasher breaks or there’s some other problem with the property. It should also state a time frame for fixing any major problems. You don’t want to rent a home and have the hot water heater conk out and end up with cold showers for two week. The information should also be posted in a contact book inside the property. Make sure you have a phone number and email address of the contact and if possible get a second person as a backup.

6. Is the home family friendly?
If you’re traveling with kids, make sure the property you rental is family friendly. Check the bed configurations. If you have three kids and the guest room only has a king-sized bed you could be in trouble. Does the pool have an alarm? (Toddler safety)
Also make sure you see lots pictures of the home. Do you really want to rent a place with a white couch and fancy décor if your 3-year-old still thinks it is fun to color on everything in sight? Make sure the home you’re renting fits your family’s needs so you’re all comfortable. What about the location? Where is the house what are the local amenities? Is it close to the attractions?

7. Can you bring a pet?
Some vacation rentals accept pets, but they may have a size limit. Some folks would not like to rent a property for their family that had the possibility of a pet staying in with previous guests in the home, unhygienic, so if that may be a problem eliminate pet friendly from your search.

8. Is a refund available if you leave early?
If you think you may want or need to leave early, check your contract to see if you’re eligible for a partial refund. Most vacation rentals are for a specific time period and don’t offer refunds because that leaves the homeowner in a lurch with no time to rent to someone else. Know going in what the rules are so there are no unpleasant surprises.

9. Pick a house that most suits your needs.
Keep in mind when you’re renting a vacation home you’re renting a property that’s individually owned. This isn’t a hotel where if you don’t like what you have you can get something else. Once you book and pay your deposit for a specific property, that’s the property you’re getting, so make sure it’s exactly what you want. Ask if reviews from other renters are available; also remember you get what you pay for so contact the owner. While scoring a good deal is the goal, if it’s too cheap there’s probably a reason check it out. Sometimes the cheapest price is not the best value.

10. Book early.
Avoid disappointment; there are certain times of the year when the villa rentals are on fire, so book early. Also you might look at the availability on the owners web site and pick a slightly out of season time, which brings me back to point one, don’t be shy contact the owner and ask for a deal. A last point to help is a lot of vacation rental owners have links to car rental and cheap flights sites or attraction ticket sites. Try and do a package deal for all three or four services. Good luck!!

Quick Finance – Caveat Loans And Bridging Finance

June 26, 2017

Short term loans help people lessen their immediate money troubles, because of increasing everyday expenses and no sufficient income to meet the requirements. These loans by and large come in a shape of payday loans, in that you can obtain immediate cash with the settlement time between two and three weeks. Lots of lenders in Australia offer their service online that let you submit an application for the finance, 24 hours a day and 7 days a week.

If you need fast money, then a caveat loan, short term loan or bridging finance from any Australian finance Centre can help.

Caveat loans

Fundamentally, caveat loans are all about when lenders offer the borrower fast money, in return for their property as defense for the finance.

The submission of applications for these loans is extremely quick, and it is likely to be short term from approximately one month to four months. Usually the borrower can get the money inside 24 hours after the request has been launched, and in the majority of cases, having a bad credit documentation does not have an effect on your possibility of successfully achieving it. In other words, these loans are finance for property.

The reason caveat loans are provided for assets is since the borrower have to secure an asset against it, and the majority of the time, the assets consists of realty properties or vehicles, as other kinds of assets are usually not acknowledged to be a defense for such loans.

Bridging Finance

By explanation, Bridging Finance is a short-term loan used to buy business property.

This is something that can come in very helpful, conditional on your particular circumstances. There are two major points that you need to think about before you choose a Bridging Finance package, your wants and the condition of the property market.

One of the main benefits of Bridging Finance is that it will let you close on a property and buy a new property before you get rid of your existing one. You will need to assess your present situation to decide if your wants give good reason for taking on this sort of finance.

Paying off your Bridging Loan at the ending of the term usually depends on your capacity to sell your existing property. If it is not sold in the obligatory time, then you will have to pay the existing loan on your present property, your new property and the newly transformed Bridge Finance, too. If you think that this might be the likelihood then be sure to take a package that can be changed to business Loans if the need comes up. Or else, you might have to come up with the complete finance amount at the conclusion of the funding time.

Fixing Solutions for Automotive Industry

July 9, 2017

Automotive industry demands high strength fasteners and precision components such as nuts, bolts, studs, screws, rivets, tie rods, shims etc. that are applied to various parts and components to hold and connect two or more surfaces or objects together in a structure.

Automotive industry uses fixing components coming in a huge variety of materials ranging from common steel to aluminum, brass, copper, titanium and plastic to other exotic materials. Choosing the material to manufacture these fixing components is essential due to difference between each material’s strength, corrosion resistance, brittleness, galvanic corrosion properties, and of course cost. Materials are basically selected on considerations of environment, corrosive or thermal extremes, magnetic properties, weight, re usability, stresses, and expected life time.

Depending on these specifications materials are classified into grades & quality standards to produce specific quality alloy mixtures that are then used to produce the fixing components. In addition to this, materials are further processed through a variety of coating, plating and hardening processes to form different specified grades of the alloy mixtures.

The various stages to enhance the metal corrosion resistance and appearance increase the cost of production that leads to expensive parts and fixing components. To keep costs within control, it is always advisable to use standardized materials. As specifying the material with specific chemical analysis adds time & cost to the whole process of manufacturing of fixing components. In a common practice, using standard materials only needs heat treating, cold working and coating to manufacture ready to use fixing components.

Quality is the primary concern for every manufacturing process and hence in order to manufacture high quality fixing tools and apply best industry practices that ensure timely deliverables, companies apply quality control methods such as computerized statistical process control archival documentation and various other approaches.

Inspection process involves utilizing tri-roll gages, hardness testers and optical comparators to ensure optimum performance. Automated sorting technologies are applied for assurance of contaminant free product for use in automated feeding equipment. Other than this, third party inspection, verification and certifications testify quality process on the go.

Used in a variety of application areas, replacing fasteners is quite tedious. It is generally best to match them while replacing. Replacing a bolt or screw with a stronger one is always now a good practice as harder bolts tends to be more brittle and may not work for specific applications. In some environments, applying galvanic corrosion methodology may result better.

There Are Many Reasons Car Rentals Offer Cheap Rental Cars and You Should Be Aware of Such Reasons

June 27, 2017

The most obvious reason why you can get a cheap car rental is when the renting outfit is giving vacation discounts on certain months or seasons of the year. This is a matter of routine that they have to do to remain competitive in their market. Although vacation times are the times when people love to go on holiday trips, they will usually rent from companies with discounted rates.

Other companies apply discounts to their prices for certain special and tourist-attractive destinations. These discounts are seasonal such as if you were to attend the Mardi Gras in New Orleans. These types of discounts you have to avail of early on, perhaps a few weeks before the festivities start. The reason is that there will most often be a last-minute rush to the site just before the fun begins and at that time and usually all promos and packages are suspended. This is perhaps due to the fact that the rental companies may run out of their own vehicles to rent out and will have to borrow from those who have any available and leave off on giving discounts for the borrowed cars.

Alternatively, other discounts are given for the sake of boosting their rentals during the slower months of the year or for destinations that are not very popular.

What is obvious is that you shouldn’t have a difficult time getting a cheap rental car for your outing because car rentals are dying to give you discounts just to keep the money rolling in. They even furnish large companies with discount cards which can be distributed to the employees. So you better check with management, if you are working in a big establishment, about cheap rental car discounts from the better known rental companies.

Because the condition of the car you are renting is determined to a great degree by the age of the car itself, a regular renter should know how to determine the age of the car by looking at its plate number. The formula for doing this is available on the internet and it may be different from one country to another and even from one state to the next. So when you research for ‘how to tell the car’s age from the number’ you should select the rules for the locality you are in.

You should be aware that there are also cheap rental car scams. In this situation you may be getting a car which is poorly conditioned or just plain too old to be road-worthy. Besides the car’s age, a look at the mileage indicator of the car will tell you how much use the motor of that car has seen. Along the same line of good car condition, you should be aware that although you can get cheap rental cars at smaller rental outfits if you need to use it for a long time, there is a catch to this. Smaller outfits will not have that many personnel and if you were expecting them to provide back up for you during an emergency, you may get an unpleasant surprise when you find you have to dish out your own money to have the rented car repaired.

The Most Profitable Business Sectors in 2010

July 14, 2017

Entrepreneurs dream of and start businesses for a variety of reasons. Some hate the jobs they are in, while others dislike the politics of a big office environment. But most would agree that the lure of freedom and flexibility were huge motivating factors.

Regardless of the rationale behind their decision, one criterion is more critical than any other: They want to make money and support their families. While it is easy to get distracted by chasing customers, growing top line revenue and expanding premises, the simple business fundamentals – profit and cash flow – determine whether the entrepreneur’s dream will ultimately last or turn into a nightmare.

It is almost impossible to predict the success and financial health of a business by looking at the number of employees, the look/feel of the website, the size of the office or the resume of the owner. Most of us would assume that the only way to really know, is to get a copy of and read the financial statements. While this is a great idea and valuable exercise, there is also another, easy way to narrow down your choices. You could simply choose to start or buy one of the Top 10 Most Profitable businesses – i.e. a venture that statistically has the highest probability of being financially successful.

Sounds straightforward, doesn’t it? But how [exactly] do you find out which businesses are on the list?

It is not widely known in the marketplace, but there are in fact certain industry classifications which have a track record of high net profit margins and solid cash flow. There are also certain characteristics and financial metrics of these select businesses which exponentially enhance their profitability. So much so, that these particular businesses are 5 to 10 times more likely to survive and thrive.

1. Consultants, experts and speakers
This industry includes business advisors, authors, coaches, therapists, psychologists, authors and paid speakers. On average, these businesses enjoy high per hour rates, carry no debt or inventory and have very low fixed expenses. The number of professionals in this area is growing rapidly each year and they are consistently generating net profit margins of 25-35%. Not bad for a business that is borne out of one person’s expertise – the large majority of these businesses employ less than 3 people.

2. Accounting and financial services
While this industry may sound boring – bookkeeping, payroll, tax compliance, accounting advice and software, advisory services, financial/investment advice etc – these practitioners become a whole lot more interesting when they are standing on their wallets. These businesses tend to have the longest client relationships (as most people perceive a huge risk inherent with switching to a new provider) and thus the lowest churn rate and the lowest cost to acquire and retain clients. They enjoy profit of around 23-26%, have enormous pricing power and their services are seen as must-haves, not discretionary spends. By and large, they also tend to have low operating expenses per client and as a percentage of sales.

3. Legal specialists
Despite their reputation as sharks and bottom feeders, lawyers make excellent profit and cash flow (on average 20-24% net profit margin). Their success factors mirror those of their accounting and financial services colleagues. Most clients are attained through WOM and referrals (keeping marketing costs low) and they tend to stay with their advisor over the long term as there is a perceived risk/cost to switching attorneys. Lawyers are fantastic at generating repeat business and up sales. Some of the most profitable areas include DUI defence, criminal law, tax and estate planning and divorce law.

4. Dentists – general and specialists
Dentists have three key operating advantages – they are often able to treat multiple patients simultaneously, they enjoy high average dollar transactions (most of which is not covered by health care plans) and their operating costs are relatively low (when divided by the total number of patients serviced). Yearly maintenance services (cleaning and x-rays) produce high contribution margins and dentists do a great job of convincing us we need them regularly. On average, they spend more than any other health provider on follow ups and re-bookings. Fortunately, the cost of this direct marketing is much lower than the cost of acquiring new patients and produces returns of 18-22% for the practice.

5. Designers
No matter what they specialize in – structures, decor, your brand, high end clothing and accessories – these professionals have a flair for bringing in the money – in fact about 16-19% on the bottom line each year. These practitioners benefit greatly from high end pricing and relatively low variable product costs and operating margins. Their greatest assets are their customer lists and their time. The greatest risk for those who are not as successful in this area is productivity – either not understanding the time involved to complete a job or not charging market rates for their time.

6. Medical specialists and veterinary medicine
It pays to specialize. The medical profession is relatively recession -proof. No matter what, people and pets tend to get sick and we rarely opt to forgo seeking care and treatment. Surprisingly on the rise are highly discretionary services such as plastic surgery, Lasik eye surgery, lap band specialists, infertility treatment and hair restoration. These specialists are often able to charge outside of what is covered by public and private health care (earning profit of around 14-16%) and they earn much more than their general medicine counterparts.

7. Specialised health and alternative medicine
As with traditional medicine, it pays to specialize. Mental health, podiatry, chiropractic, naturopathy, acupuncture, physical therapists etc. enjoy profits of 13-15% due to high average dollar transactions, repeat visits, low cost of goods sold and low operating margins.

8. Eldercare and retirement services
As the average population continues to age, there is a growing strain on young families from both ends – the need to manage child care with a career AND the need to manage the transition of elderly parents into assisted living or full time care. As a result, placement services, retirement villages, aged care services etc. are growing and becoming more lucrative. Private services in particular can earn 12-14% before tax.

9. Insurance and mortgage brokers
These businesses often cost very little to start and operate and earn their money through 2 distinct streams – the upfront fee they earn for securing the deal and ongoing annual trailers (which can often grow to 80% of their total revenue). While recent changes in many jurisdictions have reduced or delayed their initial payments from banks and various institutions, the ongoing passive revenue streams make these profitable businesses at 11-14% on average. The perceived hassle of switching is high, thus most retain customers for long periods of time and promote/receive referrals regularly.

10. Online business, small deposit and lending institutions
The internet has made it possible for anyone to set up shop and sell goods or services online with little or no experience and low overheads. While there are many dud eBusinesses, the ones that are making money are doing it on a huge scale. The most profitable ones (selling services and membership continuity programs) are earning more than $0.20-0.30 cents on the dollar each year in net profit, but examples of these are few and far between. On average, the ones that sell products and/or services should enjoy 11-14% on the bottom line with no debtors, low inventory and a small investment in fixed assets. Specialised credit unions and private lenders are also enjoying profit margins of around 10-13% due to low overheads and a growing mistrust among consumers with the traditional banks.

From this list, we can draw several important conclusions. First professional services is a winner. Of the list above, 8 out of 10 business fall into the category of professional services. The core drivers of their profitability being steady demand for services(despite economic ups and downs), low overheads, high contribution margins and repeat business. Aside from law, specialized medicine, dentistry and accounting, many of these professions also enjoy relatively low barriers to entry.

More often than not, it pays to specialize. Businesses in niche areas are often able to set high prices, command high value sales with large contribution margins and generate both repeat and referral businesses. This lesson can also easily be extrapolated and applied out to traditionally difficult or low profit industries. Take for example, the restaurant business or general trades like welding or electrical services. By becoming highly specialized, these businesses can directly influence the success and viability of their enterprises.

And finally, size definitely matters. In the small to mid size sector, economies of scale in most industries kick in around $1m in revenue – and this is especially pronounced in industries that require an upfront investment in specialized fixed assets like medical equipment, manufacturing equipment and technology.

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