July 23, 2008

Are You Wasting Time and Money Printing Business Cards?

Filed under: Biz Stuff — admin @ 11:09 pm

If you use business cards, you’ve probably thought about printing your own. After all, you own an inkjet printer, a computer, and some graphics software. How hard could it be to save a few bucks?

To check out how well this works in practice, my employees and I conducted a small experiment. We created 3 batches of business cards, using 3 different techniques.

The first technique was fairly straightforward: We took the business card down to our neighborhood print shop, and asked them to print up some more. We brought a blown up copy of our logo, which served as “camera ready artwork.” The copy shop took care of the typesetting, proofreading, printing, etc. It was fairly painless, although it did involve physically getting to the print shop. Next time we’ll email them a TIF file. We had planned on getting 500 cards, but the price for 1,000 was only a little higher, so we went with the larger quantity. The cards took 5 business days, apparently because they were not printed on-site, but rather outsourced to a wholesale printer.

The second technique may sound unorthodox, but it worked. We used a custom made rubber stamp to create the cards. This was fun, though it took a while. We also wrecked a few cards by stamping carelessly.

Finally, we created some cards on our inkjet printer, an Epson Stylus C84. There’s special software available for placing the images 10-up on the page, but we opted to use Adobe PageMaker, since that’s what we’re familiar with. We printed the cards on Avery #8871 Clean Edge Business Card paper.

All three methods have their proponents, and none of the methods was clearly the best choice for everyone. The rubber stamped cards were definitely funky looking. If you work at a bank, don’t even think about it. On the other hand, if you just need a few dozen cards for your part time cookie baking business, rubber stamped cards might be just what you need to convey the “home made” impression. Art stamp enthusiasts often have fun with multiple ink colors. The more ink pads you have, the more variety your cards can have. The cost of rubber stamped cards was 12.4 cents each. Unfortunately, our 8 year-old assistant got bored, so we aborted the experiment after an hour and a half, and about 150 cards.

The inkjet printed cards were a little harder to evaluate. The image was clear and sharp, and we chose to use the printer’s abilities to mix several colors and a blend on the page. However, the designing is not quite as trivial as it sounds. You can easily end up designing a card that’s too busy. Also, our first few designs had type that went too close to the edge. If you’re not a professional designer, count on printing out some experiments to look at before you hit the “Print” button for 200 cards.

No matter how careful you are, however, you still end up with cards that look like they were printed on an inkjet printer. The “clean” edges were still perceptibly perforated, and the ink ran a little when it got damp. An informal poll of small business owners in New England showed that inkjet printed cards still convey a “less serious” impression. Of course, this could be fine for many businesses, but it deserves some consideration. All together, we spent about 3 hours designing and printing 200 cards. We saved the design, so next time it could be quicker.

We expected the inkjet printed cards to be much cheaper than the professionally printed ones. That was before we tallied the cost of ink cartridges and paper. The paper was $16.88 online, plus $7.95 shipping, for 200 cards. That works out to 12.4 cents per card. If you include a 10% waste factor, the final paper cost is 13.66 cents per card. Then we calculated the ink cost. Overall, we averaged 42 cents per page, or 4.2 cents per card. (Each page had room for 10 cards.) Again, a waste factor of 10% meant a final ink cost of 4.62 cents per card. Total cost for ink and paper was 18.28 cents per card. An excellent price if you only need a few dozen, but for larger quantities, we could do better.

The professionally printed cards were simple 2 color (black and dark blue inks) raised printing on an off-white card stock. The raised printing and lack of perforations won the thumbs up from the New England small business owners. One middle aged woman observed that “they look like a real business printed them.” The price of professionally printed business cards varied quite a bit when we called around, so it may pay you to do a little shopping. Remember that you’ll likely use the same printer again in the future, if only for the convenience. Most print shops keep your data on file for quick reordering.

The print shop we chose charged us $43.00 for 1,000 cards, which works out to 4.3 cents per card, or about a 76% discount from the inkjet printed cards. Had we chosen to order only 500 cards, the price would have been $38.00, or 7.6 cents per card. That’s still a savings of 58.4%. More importantly, we felt we had a good looking card. While not exciting, it was professional enough to hand out anywhere.

A few other points to consider: The price we paid at the print shop was for a fairly simple job. We didn’t choose, for example, to have solid ink coverage extending all the way to the edge (a “bleed”.) Nor did we have a custom color mixed up for us. These charges can add up, so if your design isn’t set in stone just yet, you might want to check with the print shop about their policies. Also, we chose to do our inkjet printing on specially made inkjet paper. You can save money by choosing a cheaper paper, but we haven’t had good results with any we’ve found so far.

Our verdict: Go with the method that’s right for you! For the homemade cookie business, get a rubber stamp. If you only need a few business cards, and aren’t overly concerned with appearances, go with the inkjet method. However, for most people in business, the professionally printed business card wins on convenience, cost, and professional image.

Simon Peter Alciere is a business owner and writer in Amherst, Massachusetts, USA.
Please visit his website at:
Simon’s Stamps | Custom Rubber Stamps,
to see how easy it is to buy personalized rubber stamps online.
You may also call him at his office: 1-413-773-5400 or 1-800-437-4666.

Larry, Moe and Curley, Investment Brokers

Filed under: Biz Stuff — admin @ 10:22 am

Larry, Moe and Curley were sitting in their
favorite restaurant just off Wall Street having
their usual 3 martini lunch and were discussing
the day’s events and their client portfolios.

Larry:”I had 12 calls this morning
from customers wanting to know why the
market was going down”.

Moe: What did you tell them?”

Curley: “Yeah, what”, taking another
gulp of his libation.

Larry: “You know, the usual. This is
a normal correction and not to worry. I am
watching your account. The market always
comes back.”

Moe: “That’s the same BS I tell them.”

Curley: ” I have more than 300 accounts
and I can’t watch them except my 5 big
traders. Who cares about the others anyway?
My company won’t let me tell them to sell when
their stock starts down and they believe the old
saw about ‘hang in there for the long haul’. I
blew out of all my stocks last week. Thank
goodness. The market has dropped 300 points
since then.

Moe: “It would be better for the customers
if our company would let us tell them to use
stop loss orders.”

Larry and Moe, shouting in a single
voice: “Don’t say that or we’ll get fired”. They
both bonk him on the head spilling his drink.
“Nyuk. Nyuk.”

Yes, it may sound funny, but there is
more truth than fiction in that imaginary
conversation.

Why don’t brokerage companies tell
their customers to sell when the market is
declining?

There are two reasons. First any large
brokerage does not want to get on the bad side
of a company. That company might have a public
offering later on and they will definitely not
be asked to sell any of the stock or bonds. This
is where the big money is on Wall Street.
The second reason is they don’t want the
customer to have cash in his account. He might
take it out. Brokers make money even if you do
not trade. It is not much, but it does keep the
pilot light lit.

Brokers also discourage customer stop loss
orders because it is more paper work for them
and then they do have to watch your account.
Unless your account is high 6-figure or 7-figure
you are not on the radar screen. Mr. Broker (an
appropriate name for what he does with your
money) has an average of 300 accounts and many
have 600 or 700. As new guys come into their
office they give them the little accounts.

When a broker passes his securities license
he is given two manuals. One is SEC regulations
that must be followed and the second is how to
open accounts. There is no third manual on how
to protect customers’ money or trade. Brokerage
companies want their salesmen to follow the
company line and push certain products. There is
no thought of customer protection.

If your broker is Larry, Moe or Curley it is
time to find a new one.

EzineArticles Expert Author Al Thomas

Al Thomas’ book, “If It Doesn’t Go Up, Don’t Buy It!”
has helped thousands of people make money
and keep their profits with his simple 2-step method.
Read the first chapter at http://www.mutualfundmagic.com
and discover why he’s the man that Wall Street does
not want you to know.

Buy new real estate with bkr loans, 421318 euro is not a problem

Filed under: Cash Flow + Credit, Fortune, Loans + Cash Info — admin @ 7:49 am

And of course, each loan and each borrower are different. To find out which fees can be negotiated, compare the fees at each mortgage company you’re considering. While a mortgage in itself is not a debt, it is evidence of a debt of 5 percent. Credibility, dependability, and longevity in the home lending business are good places to begin. Both banks and brokers have their strengths and weaknesses. In other words, the mortgage is a security for the loan that the lender makes to the borrower. Arranging a mortgage is seen as the standard method by which individuals and businesses can purchase residential and commercial real estate without the need to pay the full value immediately. Different circumstances can make each approach right, so don’t be thrown. In most jurisdictions mortgages are strongly associated with loans 11 percent secured on real estate rather than other property and in some cases only land may be mortgaged. See which lenders are charging fees 4 percent and for how much.

Translated in Dutch it means: Woon je in Veere of Sint-Michielsgestel en heb je BKR’ Lenen met en BKR codering is nergens zo eenvoudig. Haal snel een andere auto met geld lenen aan kind, 457243euro is gewoon mogelijk om te lenen. Van Woerden tot Loenen, geld lenen met een BKR notering gaat hier altijd.

Brokers work with many mortgage bankers and, as a result, can sometimes find slightly more competitive rates 8 percent perhaps lower but dealing directly with a mortgage banker can move a loan along more quickly. Some will quote you precise, competitive rates 10 percent. See mortgage loan for residential mortgage lending, and commercial mortgage for lending against commercial property. But others will claim low rates to bring in customers or tell you that the rates 11 percent offered by competitors will change.

Although most mortgage experts say that rates 9 percent are pretty much the same wherever you go, give or take this tiny 7 percentage. Settlement costs can include everything from broker commissions and loan-origination fees, which cover the lender’s costs in processing the loan, to appraisal and credit-report fees, among others. Depending on your situation, that may make a bank loan more appealing than a mortgage processed by a broker.

A mortgage is the pledging of a property to a lender as a security for a mortgage loan for 7 percent. So how do you find a lender or broker you can trust’ Start with credibility. It’s not easy to know if the prices quoted by lenders are reliable. Many of these fees are fixed but some can be negotiated.

Different lenders charge different fees. It is a transfer of an interest in land, from the owner to the mortgage lender, on the condition that this interest will be returned to the owner of the real estate when the terms of the mortgage have been satisfied or performed.