I'm starting a mobile notary business. small business |
- I'm starting a mobile notary business.
- I fired my first customer today.
- How important is business analytics?
- Offering shipping costs that makes sense
- Health insurance questions
- Started an interior design business fresh out of university. Have only had a couple of clients so far.
- Is it wrong to let someone go before Christmas?
- What do you think of my new computer glasses brand?
- Bank/Credit Union recommendations?
- How do write-offs work?
- Family friend's small business: Should I buy it?
- I need an opinion on a strategy to tackle copyright infringement [Print Shop Owner/Employee Answers Wanted]
- When pricing wholesale items do you factor in shipping? $10 wholesale = $20 MSRP + shipping?
- Help a person in need!
- Inventory/Sales/Tax tracking software
- Tax questions for end of year & investing
- Shipping a 1000 packages to Detroit economically
- There has to be a better way to manage physical item creation than excel, right?
- AMA: I am Small Biz owner and own several businesses - please ask me some sales or marketing related questions.
- What did you guys do to get online booking for your website?
- Question about my small business name
- Does anyone print their own checks? (Like the whole thing, account numbers and all!)
- Shopify Fraud Detection warning "High" - how can I verify before fufilling?
- Is it possible to give my employees (6) CASH bonuses w/out tax?
- Question regarding where to Domicile a Company
| I'm starting a mobile notary business. Posted: 27 Nov 2017 09:48 AM PST About six or seven months ago, my mom started talking about how she started a mobile notary service and that she's getting so much business that if she were to do it full-time, she would be making $80k a year – something that is complete bullshit. Being the naive, desperate, completely broke, nearly homeless, and unemployed loser that I am, I believed her. After asking minimally what it takes to become a notary -- passing a background check and having a car – and asking what a notary was – verifying a person's identity and watching them sign a document -- I went home to do some research about it and was surprised to find that there was absolutely no information about it, which I found odd considering that it was basically a glorified uber/lyft job. There is a max that a notary can charge (about $10 per notarization) but this isn't where the money is at. If you're interested in just becoming a notary public, you make your money with traveling fees and driving to people's houses (or wherever they want) to do a notarization -- something like $1-$2 per mile, and how much you can charge per mile depends on your state. I'm in a state where you can charge whatever you feel is appropriate. The other way to make decent money as a notary public is to become a signing agent. To become a signing agent, you take a quick 90-min course through the NNA (National Notary Association) and pass a test and then you officially become one. What a signing agent does is they walk the borrower of a home loan through a large package (like up to 100 pages worth of documents or more) that they have to sign. That's it. If the borrower has a question about the loan or any of the documents, it's illegal for you to explain it or interpret it as it is considered an unauthorized practice of law. You simply refer them to where in the document they can find their answer or have them call their lender. You also remind them that they will be getting a copy of their loan package after the signing and that they'll have three days to cancel – allowing you to avoid having to take any responsibility other than what you're there to do, which is to verify their identify, watch them sign the documents, and make sure they're not leaving any blank spaces. As a signing agent, this is where your money is at. You can make on average about $85-$100 per appointment for 30 minutes of work (not including driving time or the prep time before the appointment). It should also be mentioned that to be a signing agent you have to print out the documents yourself, meaning you have to buy an expensive dual-tray laser printer that is able to print both regular and legal paper. You also have to have a fax machine in case the lender you did a signing for wants you to fax some of the papers back after the signing for assurances of quality. You can get a printer that does both of these things and you can purchase an online service for fax services because apparently in order to fax stuff you have to have a home-line and no one in this age does anymore because of smartphones. There's a lot to know. I have spoken with up to five mobile notaries in extreme detail across the country about this who either do this for a living or part-time and the ones who are even doing this part-time are making as much as a full-time minimum-wage job would, which is great considering that's all that I have experience for before finding out about this. Jails, nursing homes, and hospitals need mobile notaries especially because they can't just go to a bank or postal service and have it done for free. You can take payment through either Square using your smartphone, check (why even risk it if it could be a bad check?), or cash and have them pay upfront for the travel fee before any notarizing is done because if the notarization somehow turns out not to fall through (like they don't have valid I.D. or are incoherent and not making sense), you can still get paid for your time, travel fees, and expenses. In terms of advertising and marketing and how to get business, after you become a signing agent you list yourself on notary directory websites claiming you're a certified signing agent through the NNA and then the title companies find you. There are probably only 3-5 of these websites that are worth it, and some you have to pay to be on, but that's how big title companies can supposedly find you and pay you for the big loan jobs that are $85-$100 per appointment. For just basic notary work, after asking around I found that the easiest way to get work is to simply post an advertisement using Google Adwords (or Google Adwords Express) with a website and phone number with your rates and information and supposedly you'll start getting calls/messages immediately. Just like how people don't want to go pick up their pizza and have it delivered instead, the same applies here – there is a need for this service especially on the weekends or when everywhere else is closed. To become a notary public is easy. You go to the NNA website and follow their instructions on how to fill out the application. You have to have three non-relatives who can vouch for you that you're a good person and be able to pass a background check. In some states, training isn't even required. After you send in the application and get accepted, you're to find and buy a seal and stamp with your name and such and then get a bond and E&O insurance – all that can be bought through the NNA. To become a signing agent is easy as well as you just follow the instructions on the NNA's website, but here you do have to get training and pass an exam, something that you can do in a few hours. The next thing you would need to do is make sure to get the fancy dual-tray laser printer with toner, legal paper, and regular paper. You also need black and blue pens, the online fax service, a smartphone, a notary journal (a book where you write down the information of each notarization that you do so that you have proof that you weren't part of some fraud cover-up that someone else tried to get you involved with and so that you're protected), and a mileage log book that so you can claim your driving expenses as a business expense during tax time. There are so many things to know. Like birth certificates and expired forms of I.D. aren't good enough to be considered valid identification. That you can't tell someone what kind of notarization they need (that would be the unauthorized practice of law), that you can't be connected in any way to the document that is being notarized (as that would be against the whole point of being a notary, which is someone who is acting as an impartial witness and whom is someone who isn't going to benefit in any way from the document being notarized), and that of course you can't be discriminatory against anyone. Pretty basic stuff. Like I said, after you get everything to start, it's basically a glorified uber/lyft job. Even though I'm not going to be making $80k a year like my mother said I would, I'm still going to go through with this. After I get my car back up and running (as it's not starting for some reason), get a few more supplies, create a website, and get myself on Google, I'm going to be in business. It sure as hell beats a dumb retail or fast-food job, which is all I've ever done before this and it sucks. What's great is I can be my own boss and not have to kiss anyone's ass and be who I want to be and charge what I think is fair. I wanted to post here because there's just so little information about it on the internet and everyone needs this service to be done for them at some point in their life. [link] [comments]  |
| I fired my first customer today. Posted: 27 Nov 2017 11:53 PM PST It felt good! Complained about some work I did, I refunded them no questions asked; they still complained. I reversed the work at my cost. They still complained so I today I will cut my ties. They've threatened me with a law suit if they still aren't happy but at this point in time, there's nothing else I can possibly do to make it a happy outcome. [link] [comments]  |
| How important is business analytics? Posted: 27 Nov 2017 10:17 PM PST Hello guys, I'm currently building a point of sale system and adding business analytics. I found out that in our store, has more purchase cost than our sales. I've been testing and collaborating with some store to use the app and develop analytics around their data within months. How important are business analytics to businesses? [link] [comments]  |
| Offering shipping costs that makes sense Posted: 27 Nov 2017 05:05 PM PST Hello, I started making some very niche type of clothing and I'd like to start selling them online. However, I have questions regarding shipping costs. I'm from Canada, and from my experience, shipping USA <-> Canada is very expensive. For example I once ordered some exclusive shoes online that didn't ship to Canada, so I got them shipped to a friend in the states and getting them to me cost 70$. Another time, I shipped some maple products to another and it cost me 35$. That's from Quebec to the east coast of USA only. Quite a short distance when compared to potential customers from all around the world. When I order online (even things from small artisans at Etsy) it never cost me more than 20$ for shipping (only on rare occasion). How is that possible? How can I get shipping costs that make sense even as a small business not having large volume? Thanks for your help [link] [comments]  |
| Posted: 27 Nov 2017 05:37 AM PST I searched for similar questions here, but didn't find the right answer (or maybe I didn't look enough) Here goes: I am an independent contractor (with a registered company/llc). I buy health insurance as an individual (not sure if this is the best) -Why isn't there a single plan which offers out of network coverage (live in NYC)? -Why are all the plans so bad, all across the board -Why is it that I can't buy a good insurance by paying a very high premium (Even if I buy directly from the company, they are still the same plans as I could buy for the same company through the market place) -It seems to me that the plans are skewed towards providing coverage for people needing financial help, whereas people better off can't get good insurance (e.g. out of network etc), even if paying through the rough. -Can I get a better deal as an individual or a small business owner? If so, how to go about it. I am 39, live in NY and mostly in good health with no pre-existing conditions. I am currently paying a high amount for a really lousy Empire Blue insurance bought through the market place. [link] [comments]  |
| Posted: 27 Nov 2017 12:13 PM PST Hi everyone, I hope this doesn't violate any subreddit rules. Summary is in the title. So far, I've only used AdWords to find potential clients. I've spent 360$ over 4 months, which got me 156 clicks (around 15% CTR), which resulted in a total of 0 conversions. I've also given out flyers in very rich neighborhoods (around 1000 flyers), which have gotten me 2 calls, 0 conversions. I know for a fact that there is a demand for this kind of service (basing this on the number of successful designers in my area), and basing this on the Google Keyword planner. I've tried notification banners offering free consultations, call-to-action boxes, blogging (for SEO), to no avail. The only two clients I've had have come from direct contacts. They have both left me reviews on Google to boost my relevance in the local rankings, but I still rank pretty low. Any advice on how I can move forward is greatly appreciated. The website is http://ateliertria.ca. It's in French, so most of you will probably only be able to critique the design. Thank you all in advance. Edit: More details [link] [comments]  |
| Is it wrong to let someone go before Christmas? Posted: 27 Nov 2017 07:48 AM PST I own a small remodeling business with my brothers. We have two teams of 4 people that work for us, and a crew leader on each. One of the crew leaders isn't really working out. He has the knowledge to do just about anything, but always wants to take the easy route which isn't always best. He also doesn't take point and just gets what needs to be done done like our other guy. I've have multiply talks with him about taking charge and doing the job right, but every time something comes up I have to hold his hand. We have a rule, if something looks like it might need to be replace replace it. He just doesn't seem to get. My question is should I let him go before Christmas or wait until the 1st of the year. He have kids and a family to take care of but so do I and he is costing me $1000 a week not counting the time spent going in behind him. I also thought bout demoting him which comes with a $5 an hour pay cut, and replacing him with somebody new, or letting the other Crew leader run both crews which he said he could do. What do you think? [link] [comments]  |
| What do you think of my new computer glasses brand? Posted: 27 Nov 2017 07:26 PM PST Hey /r/smallbusiness This is actually my third business that I'm sharing with you guys, your feedback on the first two was invaluable so I thought I'd seek your opinions once again! Introducing Whisky & Stone, vintage-inspired computer glasses that take away the eye soreness associated with staring at screens. The glasses can also increase productivity by up to 20%, improve sleep, and reduce headaches! We offer free postage Australia wide, 100% satisfaction guarantee, and free returns within 30-days if you feel the frames don't suit your face. The website is www.whiskyandstone.com and the instagram is instagram.com/whiskyandstone. Please have a look and let me know where I'm doing well and where I'm falling short. I'm more than happy to offer a discount code to you all for your help, though I'll wait for admin approval as I'm not trying to self-promote. Thanks! [link] [comments]  |
| Bank/Credit Union recommendations? Posted: 27 Nov 2017 07:00 PM PST tl; dr - I need a new bank. I'm currently an exceptionally annoyed large local credit union business and personal account holder, and have learned two things about my soon-to-be-ex financial institution:
So, I'm looking for one of two things in a new bank/credit union/financial services whatever. Either:
OR
What I would prefer to avoid are recommendations along the line of 'get a credit card, scrub!' I see no reason to have to maintain a line of credit (and pay interest!) just to make the occasional large, legitimate, purchase when I have just oodles of cold, hard cash lying around in a bank vault somewhere, for this explicit scenario. I would prefer a credit union, but I will go with a bank for my business needs if I absolutely must. I'm in the greater Seattle area, if that's relevant. Many thanks in advance for any assistance folks may be able to lend! [link] [comments]  |
| Posted: 27 Nov 2017 09:31 AM PST Say for example, I buy a product for my business that costs $10. The tax on the product is $0.87. Do I write off the whole $10.87? Or would I just write off the 87 cents? Thanks! [link] [comments]  |
| Family friend's small business: Should I buy it? Posted: 27 Nov 2017 09:27 AM PST Hi everyone, I'm a subscriber to this subreddit but am using a new account for privacy. I have an opportunity to join a small business and I need help evaluating if its something I could eventually buy in to. I need help figuring out how much its worth, and suggestions on how to structure a buy out. The business is a small structural steel fabrication and installation shop located in Ontario, Canada. Its currently being run as a one-man shop. The owner is in his mid 60's but wants to keep working for a while. He has kids, but they are not at all interested in the business. This opportunity is only available to me because the owner is a longtime family friend. I think there are two things that help me out: lifestyle and legacy. The owner won't be able to keep the business running for much longer by himself, but he's the kind of guy who wants to die with his boots on. I also suspect he would want the business to continue on, but no one else is stepping forward to take it over and I think he'd have a hard time selling it to a stranger. The shop was founded by his father in the 50's, was run by the three brothers but one died and the other was bought out. At times the business has employed welders and apprentices but not right now. The owner has a few guys he contacts on when he needs help doing installation work. He avoids high volume work and instead focuses on more difficult high margin work - at least 20% but up to 45% on some projects. Most jobs are worth between $25-75k. Its currently bringing in $400k annually. He took $60k out last year and left $70k in it. The most it ever did in sales was $800k, which was about 15 years ago. The business has not been modernized (no web presence, paper invoices, etc) and most sales come from longstanding relationships with contractors. We'd need to bring in another $300k in sales/production to support my full time compensation. Right now he turns down enough work to feel confident that we could take that on. The business has a decent sized shop that is well equipped, though somewhat dated. I'd estimate $1.5 - $2 million CAD in assets if the property, building and equipment are included. I'm in my early 30's. I'm not in a financial position to buy the business. I'm coming from a very different sector, though I know enough about steel fabrication to be dangerous and I have sales and management experience. I have family in the area with business experience. I'm enrolled in night classes starting in January to get my welder's certificate. I'll be continuing with classes next fall - taking classes from a local college on metal fabrication and setting up my involvement as an apprenticeship. I'm doing it this way to unlock funding and tax benefits for the business and to learn more about the industry, but the owner and I have been open that my passion is in business itself. I'm not afraid to do hands on work, and would hope to always be able to do that, but the owner and I both know that I don't want to just pursue a career as a welder. I'm committed to my current job for the next six months. There could be flexibility there, but I'm motivated to ensure a smooth transition of my current role. I plan to start doing some part time work at the shop starting in January, then go full time starting in the summer. I anticipate the first two years will be primarily spent learning the business and helping with production until we can hire another fabricator. The shared vision right now would be to build it out to a 4-man shop, allowing the current owner to taper off his involvement as he gets ready to retire. The owner has said outright that he thinks the business should evolve based on who he has working with him. It could turn out that I decide not to buy it, or that he decides he doesn't want to sell it to me. I'm not afraid of taking the risk in joining this business for a few years only to have it not work out as something I could purchase. Its still way to early to structure a buy-out. The reality is that I'm in no position to buy it right now, or even know if this is an industry I want to commit to, but I want to understand the options for how to buy it in order to have the conversation up front early on. I also suspect it would be important to place a value on the business now, before we build a lot of equity into it. The owner has said outright that he wants me to drive this conversation. Right now we haven't even discussed how to structure my compensation - hourly or salaried. A close friend of mine suggested basing my compensation as, say, 80% of new profit and using that as a way to establish equity for myself in the business. What method would you use to place a value on this kind of business? What models would you suggest we look into as we consider how to structure a buy-out? Any other suggestions of things to keep in mind? [link] [comments]  |
| Posted: 27 Nov 2017 06:09 PM PST To start this post off, I'd like to let you all know that I have experience in this field. I've been working at Staples for over 2 years, and in that time I've learned how to do the majority of the work in the printing and marketing department. I also understand the rules and regulations/policies... No reproduction of identifications in ID at all, reproduction of money must be resized, and copyrighted materials are an absolute no-no. The former are easy to implement and spot; it's common sense. I need opinions/feedback on how I want to tackle copyright infringement. I am developing my own web to print software, since I am getting a degree in Web Development and Design. Therefore, I will have total control over what customers submit... Here's my idea:
Does this sound like a good workflow, and a good way to protect me from copyright infringement? My main concern is losing business... Working at Staples, we see all kinds of things come in. Images that look like clip art that we aren't sure of, stock images that we aren't sure of. What are your thoughts on this approach? [link] [comments]  |
| When pricing wholesale items do you factor in shipping? $10 wholesale = $20 MSRP + shipping? Posted: 27 Nov 2017 05:49 PM PST |
| Posted: 27 Nov 2017 09:30 PM PST It may sound selfish of me but I genuinely can't pay the $3 for an app that helps me get the scholarships that I really need for when I go to college next year. Can anybody be nice enough to buy it for me? [link] [comments]  |
| Inventory/Sales/Tax tracking software Posted: 27 Nov 2017 04:58 PM PST I guess the title says everything that I'm looking for. I get everyone is using QuickBooks or Xero or something similar, but I would very much like something that I can build an inventory it, with categories, to create a receipt. Have it add the tax and then keep track of how much tax I'll owe the man at the end of the quarter. [link] [comments]  |
| Tax questions for end of year & investing Posted: 27 Nov 2017 04:57 PM PST So from my understanding as a S corporation based in Michigan the company doesn't pay federal or state taxes, the taxes are only paid when the shareholders withdraw a % of the net income - or is this incorrect? Q, So if the company makes a net profit of $100,000 it won't pay any tax? Q. whatever the shareholders take out that will be taxed at 4.25%? Q. I currently only take out $500 a month wage, is that the only tax I would pay even if the company made $100,000 net profit? I think the company will have a net profit of around $50,000 by the end of this year, I've been researching property investments mainly REIT's Q. From a Tax point of view is an investment like a REIT or buying a property to rent the same as purchasing inventory? or am I misunderstanding how the tax system works here? Q. I presume the income from an investment like a REIT would just go into the company bank account and get taxed the same way or is it different? [link] [comments]  |
| Shipping a 1000 packages to Detroit economically Posted: 27 Nov 2017 12:58 PM PST I am Canadian living across the border from Detroit. I own a small bookstore and will be purchasing a large order of books from many distributors in the USA. They do not ship to Canada, nor would I want this because the astronomical fees. The packages will be coming all across the US and commingled with all couriers. I need to find an economical way to ship all these packages to a location in Detroit so I can come pick them up in my car. Packages vary in size from 1lb - 20lb. There will be 500 - 1000 packages. The total volume of the packages would be a 1/3 - 2/3 the size of a Mr. Bean car. Normally I'd spend a week at a relatives in Michigan and have them all mailed but they moved so I must get creative. I've contacted stores which offer postal box rentals, including: UPS: $6 per package MyDetroitMailbox: $5 per package Hallstarz: Pending call back USPS: Pending call back At this pace, it appears I am better off renting from an AirBNB and staying in Detroit for 2 weeks to wait for all the packages to arrive (which I dont want to do). Are there any creative ways I can economically ship 500-1000 individual packages in Detroit? For example, purchase / rent a properties address which would accept packages for me and hold them. Or maybe have an address or PO box which would force couriers to leave delivery notices and hold the packages at their depot allowing me to circumvent a retail location holding fee and pick up my packages from couriers depots directly. Any ideas? [link] [comments]  |
| There has to be a better way to manage physical item creation than excel, right? Posted: 27 Nov 2017 04:42 PM PST I've spent weeks looking for software or an app that handles a lot of the aspects of my business, but none of them seem to fit in exactly, or if they DO fit, they're scaled (and priced) for such massive businesses that it's utterly unreasonable for me to check out as a two person operation. In short, we make physical goods of all sorts. Ideally, I'm looking to obtain software or something else that organizes:
In theory, I'm looking for something that would allow me to say, hey, I want to make a necklace. I hop into whatever system and sort by sterling silver and an MOQ of 500 and manufacturers who meet this that I've worked with before pop up, without me having to rely on going back to Alibaba to make sure that they do XYZ. Right now, I use a spreadsheet tracking everything. It's not particularly efficient. Have you guys had any luck with anything else outside excel sheets? Unfortunately, most of the other options, like I said, seem to be for bigger fish in the ocean than I. [link] [comments]  |
| Posted: 27 Nov 2017 10:39 AM PST Cyber Monday - While you are busy getting deals I need a break and answer some sales & marketing questions. So I decided to spend some time this afternoon answering your problems. I run several of my own businesses and comment here from time to time. So please provide a bit about your business and let me know where you are needing help or are falling short. Couple of things I will let you know. One: I am not able to offer you a bunch of online, make money in 20 mins stuff. Two: I am most familiar with service oriented businesses who sell DIRECT to clients (Business or Consumer) - especially if you sell to biz owners & homeowners. Three: I will do my best to answer but may need some time to think about my answer. Four: I'm going to try to put these in answer form via video but may also chose to write some here. [link] [comments]  |
| What did you guys do to get online booking for your website? Posted: 27 Nov 2017 04:35 PM PST I've started a local business, so far I've been getting clients just from going door to door (my background is in sales). However, it's not exactly efficient, and I want to start building an online presence. I've got a website up by following a wordpress tutorial on YouTube, and I'm in the process of getting my business approved by Yelp. In the meantime, I'd like to integrate online booking. Basically I'd like a plug-in or 3rd party solution that allows clients to book an appointment, and ideally pay on my website. What services do you guys use for this? [link] [comments]  |
| Question about my small business name Posted: 27 Nov 2017 10:17 AM PST I have named and formed an LLC with the state but I'm not sure if I need to further detail it and include more. I own and run a digital marketing company and I have been working out of my home for a month now, and we are opening our first office space soon. The business will be called Ryan Media, LLC. The question I have is, on my logo, I was thinking Ryan Media, LLC and then underneath it in smaller font, A Digital Marketing Company, or, Digital Marketing. Doing this to further cement what we do, but do I need to include that in the LLC form and paperwork, how does this work? if this isn't the right subreddit for this just let me know. I wasn't sure between this one and entrepreneur. [link] [comments]  |
| Does anyone print their own checks? (Like the whole thing, account numbers and all!) Posted: 27 Nov 2017 04:12 PM PST Between all my company and personal accounts I have about 15 checkbooks stacked in a drawer. I don't use that many checks, maybe 10/month between them all. I want to just buy blank check stock and print a check that I either then write on or run through QuickBooks to print. I have a spare laser printer I could use to print with MICR ink, but is that even a thing anymore? I would think everyone just does optical scans now. Does anyone here print their own checks on black check stock? If so, do you use MICR ink and what software do you use? [link] [comments]  |
| Shopify Fraud Detection warning "High" - how can I verify before fufilling? Posted: 27 Nov 2017 03:53 PM PST Launched my second store last week - and got a few sales (yay) but one of the sales has tried a "high" Fraud Detection warning from Shopify. After talking with the Shopify agents - they say it does not look that sketchy - but suggested i try and get ID from the customer before fufilling. Here are some of the characteristics
So maybe theres fraud in that the card owner was in Boston (resides in CA) and the frauder? Lives in NH? And really wants some medium priced items? Should i issue refund and try and email the cust asking for a photo of gov id? Would hate to do this to a legitimate customer, esp when trying to carve out a name/brand :( I wish there was a way to check to see if the CC has been suspended since the order. Any suggestions would be great. Super excited about getting sales on a brand new store - but of course one of them might be fraud.... Dammit. [link] [comments]  |
| Is it possible to give my employees (6) CASH bonuses w/out tax? Posted: 27 Nov 2017 03:09 PM PST I believe the short answer is "no". I'd like to give them all bonuses ranging from $100-$600. I believe cash, check or gift card are all taxable and the only way for THEM to avoid the taxes is for me (the company) to absorb them and give the employees the net value. What if I were to pay their bonuses out of my own pocket?...if you know what I mean. Or any other suggestions? [link] [comments]  |
| Question regarding where to Domicile a Company Posted: 27 Nov 2017 11:09 AM PST I and a few colleagues are looking at starting a consultancy business in the industry we are currently working in, however we are all located in different countries (North America, Middle East, Asia etc.) as will our (potential) clients. Noting this I am looking for advice on where we should set up our company. Places like Delaware and BVI have been discussed...obviously there are issues like Taxation and availability of Business Insurance to consider. Thanks! [link] [comments]  |
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