Florida FR44 Insurance Filing Without a Car

Whether you received a DUI driving a car or motorcycle, operating a boat or jet ski, or some other vehicle, the requirements to reinstate your license are going to include proof of liability insurance. Even if a DUI was received while riding your bicycle, or as a passenger in a car, which really does happen, the consequences are still the same. Insurance requirements to reinstate license are a minimum of $100,000 per person, $300,000 per accident for Bodily Injury Liability and $50,000 for Property Damage Liability (100/300/50). Unless this type of coverage was in effect, on a valid policy at the time of DUI, a Florida FR44 filing to the Bureau of Financial Responsibility will need to be included in a new policy for insurance.

A new policy does not necessarily mean a new car insurance policy. No matter what you were driving or doing to receive a DUI, you can fulfil insurance requirements for license reinstatement with a variety of policies. Any way you decide to “get around” after a DUI, even if it is walking, liability insurance will be required to get your license reinstated. Because of strict underwriting (qualifying) and increased costs associated with a DUI, many convicted drivers will switch from driving a car to riding a motorcycle, scooter, or public transportation. How much insurance goes up after a DUI depends heavily on the type of policy purchased.

Insurance coverage and underwriting requirements, other than the FR44 requirements, varies for different policy types. For example; Florida No-Fault law requires PIP insurance coverage for cars and trucks, while exempting vehicles with less than four wheels. A policy without a vehicle at all, called a non-owners policy, also does not include PIP and the varied policy types can be used to submit a Florida FR44 filing. Since PIP benefits extend to relatives and household residents, companies scrutinize them to determine eligibility and rate calculation. Policies that are exempt from Florida No-Fault avoids the underwriting hassle and inflated expense associated with PIP altogether.

On a car insurance policy with FR44 filing there can be no excluded drivers and the premium must be paid in full because they can not be canceled. Here again, different rulings for different policy types can be a real “life saver” for the convicted driver. Being able to exclude a youthful operator or spouse from a policy, or being able to make payments, can be the difference between affording a policy and cashing in your 401K.

A policyholder accustomed to maintaining Florida minimum liability requirements of 10/20/10 experiences “sticker shock” when they find out they need to elevate their liability ten times to 100/300/50. For many people a driver license is not just a privilege but a necessity, like those who need a valid license to keep their job. Simply doing without insurance after a DUI is not a choice for them and a typical car insurance policy with FR44 may be unaffordable. Thankfully they have alternatives for buying insurance without a car to file their FR44 and receive a reinstated license.

What is a Print Broker and What Do They Do?

In much the same way that other commodities can be brokered (insurance, mortgages, pensions etc.), so too can print: that’s what print brokers or managers do.

They act as an out-sourced sales solution to their trade-only suppliers. Those suppliers maintain low overheads by – among other means – not employing dedicated sales staff of their own: they out-source sales on a part-time basis to print management companies. Those companies then represent a “collective” of printers, who together offer a complete printing solution.

Traditionally, you’d buy business cards from one supplier, brochures from another and large-format graphics from yet another. To free up their resources and save them having to shop around, many customers employ companies do it for them: all in one place.

For example?

As well as providing a one-stop solution, management companies are used for many other things:

A complex project, which would normally involve several suppliers with different areas of expertise? Free up your resources to concentrate on that project and out-source the printing to a service provider.

Exhibiting at a show or fair? Similarly, concentrate on the logistics and leave the printing of business cards, exhibition graphics and stands, leaflets and flyers to a Brokerage.

Print brokers don’t have any printing presses?

No. They are management companies, utilising the varied and diverse equipment of their equally varied and diverse supplier base. they’re just like a huge print company which can produce anything that their customers require: they represent the entire industry.

The industry is so varied and diverse that no individual printer could hope to serve the entire market competitively. They’d have down time on their presses and so on. Print brokers take a number of trade-only suppliers, with diverse equipment able to serve the whole market, package it up and bring it to the market as a complete solution.

Is this a new market niche?

Print brokers and managers have been around for a while. In fact, some of the most successful companies in the industry don’t have any presses of their own.

How can a print manager or broker be the cheapest, quickest and most environmentally friendly, as they often claim?

They scour the market for their customers to get the best deal. They make sure that each project is produced on the most appropriate equipment and because they have a wide ranging supplier base, they have access to just about any printing press you’d care to think of. No individual printing company would be able to address every printing need but brokers can, through their diverse supply chain. They keep prices down by using trade-only suppliers and maintaining low overheads of their own. Their extensive supply base means that they can always find the right supplier for the job: this benefits their suppliers by making a contribution to their overhead and it benefits their customers because of the reduced rates which they are able to acquire printing for.

Often though, a customer requirement will be very specialised or time-sensitive. In these instances, price is not necessarily the primary concern.

In these instances, a print broker’s customers will approach them because they don’t know where else to go. They could undertake a lengthy search for the most appropriate suppliers but to free up their resources, they employ a management firm. As well as a general print management service, these companies are able to offer a service wherein their supply base allows them to provide pretty much anything, any time. They’re print managers and exist as an out-sourced procurement service to their customers.

Who are print managers’ customers?

Their customers include individuals, members of the public, sole traders, small, medium and large companies; government departments, local authorities and charities.

In any case – whether sole trader or multi-national corporation – each of their customers are equally important to them and customers use print managers or brokers for the service which an out-sourced supplier can provide in procuring their printing.

How do print brokers make money?

As a business, a print broking company naturally needs to remain a profitable concern. They maintain low overheads by not having their own printing equipment, among other means. They procure goods on behalf of their customers through trade-only suppliers who have low overheads themselves: they don’t employ sales staff (they out-source that operation to management companies) and they occupy premises in geographical areas where business rates are competitive (typically out-of-town).

Print brokers apply a modest margin to their trade purchasing prices and their prices to the end-line user are representative of those which their customers would find in the commercial market; often less so. A managed or brokered printing service is value-added and a print manger or broker’s diverse supplier base allows them to be a one-stop solution to their customers, saving those customers the cost and resource of employing a dedicated buyer.

Who are a print broker’s competitors?

Commercial printers and High Street-based print shops. Neither do what the other does but print management companies offer what both do and more besides. A print broker’s managed print solution means that they can offer their competitors’ services in one basket; often at a reduced cost.

How can print management companies be better than traditional printers?

Many traditional print companies try to offer the one-stop solution which print brokers do but they have higher overheads. Therefore, all non-core business which they outsource will come at a premium. They also don’t have the resources to have researched their non-core business market thoroughly enough, nor usually sufficient staff to offer the level of service which a dedicated management company offers on out-sourced work. Print managers and brokers are dedicated to a constant awareness of the market and the changes therein, to consistently offer their customers the best printing solution.

Because they out-source all of their customers’ projects, the print broker’s internal resources are free to manage their customers’ printing for them.

Why don’t customers deal directly with a management company’s suppliers?

Because print brokers’ suppliers only deal with the trade (managers and brokers). If they were to deal directly with customers, they would need to employ sales staff and incur the salaries and indirect costs associated therewith. They can’t justify such an expense with their individual, specific offerings, so they out-source their sales on a part-time basis to print brokers, along with other suppliers offering different goods and services.

Why wouldn’t a print broker’s suppliers approach a customer directly?

Because they don’t have dedicated sales people and employ printing management companies in that function. From a print manager or broker’s point of view, if any of their suppliers were to adopt such a practice, they would deny themselves the other leads which might otherwise be introduced to them.

Who is responsible for “managed” printing?

The print management company are: even though they’re print managers – middle men – the buck has to stop somewhere and as far as the customer is concerned, that buck stops with the service provider. Otherwise customers may as well deal directly with the manager or broker’s suppliers and for reasons given above, they really don’t want to do that. Brokers provide a complete managed print service, which extends to total responsibility for customers’ printing: they can approve proofs on-press, so that customers don’t have to; advise on pre-flighting customer files and are ultimately responsible for their customers’ printing and all that’s entailed therein.

Why would a customer deal with a broker and not a “traditional” printing company?

Because print managers and brokers represent a one-stop solution for all of a customer’s printing needs. Rather than shop around many printers for the best deal and most appropriate production medium, print brokers do that for their customers.

Starting a Handyman Business – Checklist

Starting a handyman business does not take a lot of money. However if people are going to take you seriously or if you plan on being in business for longer than just a few months, there are many things you need to do to start your business.

Here is a checklist to get you thinking about the steps you need to take to start your handyman business.

1. It all begins with you: The very first step you should take is making sure that you really want to own your own business. No matter what type of business you are starting, you really have to want to be a business owner.

2. Pick a name for your business and decide how you will set up your handyman business. Will you be a sole proprietor? A LLC? A regular corporation? You will probably need to consult with and accountant and an attorney to make sure you choose the best entity for you.

3. Research what type of insurance you will need. There are many different types of insurance you may need, for instance, workers compensation, generally liability, and commercial insurance for the vehicle you will be using. Be sure to check with your state to see what they require. Also remember to check with the municipalities in area.

4. Research what type of business licenses you will need. Does the municipality you live in require a business license? What about and electrical or plumbing license? Does your state require any type of license? Make sure you know what you need before you open your doors.

5. Research your customers. Make sure you know who your target customers are and what it is that they need. Will you specialize? An example of this would be targeting senior citizens, real estate agents, and landlords.

6. Research your competitors. Make sure you know what they are doing well and what they are not doing well. What’s not being offered, that is needed, that you could offer.

7. Based on your research decide what services you are going to offer, the price you will charge, then how you will advertise your service.

8. Make sure you have the necessary tools. Be sure that you have the basic tools for the services that you will be offering, however do not go overboard purchasing the fancy stuff. Remember a lot of larger tools can be rented, until you are doing enough work to justify the purchase.

9. Make a plan. Put the above into a business plan to keep you organized and on track.

Follow this check list before you start your handyman business to make sure you are starting out as strong as possible and to help make your new business a success.

How to Successfully Sell Medicare Plans

Potential sales people call my office every day and tell me they would like to start selling Medicare plans. They feel the senior market is the place to be and want to get started selling right away. Nine out of ten of these people do not even make it out of the first month. I am going to share what they do wrong and how you can avoid the pit falls that kept them from getting off the ground.

The following information I am sharing is based on my trial and errors selling Medicare and health plans for the last 14 years. I have also worked with hundreds of agents with an array of backgrounds and skill sets. Here is a summary of how you can get started and be successful in Medicare sales.

Insurance license and Errors and Omissions: You must have a valid insurance license in the state you plan to do business in. Many carriers will also require you to have E and O insurance. There are a number of E and O carriers. NAPA usually has good pricing which should be in the $500 to $600 a year range.

Education: One of the biggest mistakes made is that people try to sell Medicare Plans without understanding Medicare. You need to understand Medicare A and B before you can feel confident selling people plans to supplement their Medicare A and B coverage. Find a copy of the “Medicare and You” book and read it 2 or 3 times to get started. Then talk to someone who has been selling plans for at least a few years to get some real life explanations. There is also a number of presentations online that give a high level overview of original Medicare. These types of presentations will help you with the basics as well.

Company Appointments: You need to be appointed to sell at least 2 different companies that offer Medicare Advantage and Medicare supplement plans in the area you will be working in. As time goes on it will be helpful to be appointed with most if not all of them but that would be too overwhelming to start. Two companies will get it done in the beginning. Again, use the internet to get an idea of which companies are competitive in your area. There are also a number of Medicare Wholesales websites that will allow you to do basic comparisons in any given zip code.

When you get the company supplies, review the summary of benefits multiple times. You should be able to rattle off the copays and benefits off the top of your head. Go through the applications and know then from start to finish.

Consider using a whole seller, FMO or marketing organization: They are companies that have contracts with multiple insurance companies. You may be able to obtain all your different Medicare company insurance contracts through one of these organization.

Try to review some basic summaries to see who has the most competitive advantage plans and then call them to start the appointment process. For supplement plans, you can use the state insurance department website to find who has the best rates. (Rates are the key difference in supplement plans)

Lead Source: Once you have completed your company appointments, certifications and received the sales supplies, you need to find some leads. Many agents will try to rely on personal contacts and referrals. This is a great supplement to your business but will not be enough to keep you busy or pay our mortgage. You will need a primary lead source. I would suggest the following types.

Mailers: Use a mail house. You will pay about $400 per 1000 mailed and get a 3% response. This should buy you the mailers, the postage and the return cards to your mailbox or inbox for this price. If the mail house wants more money per 1000, find a different mail house.

Online Leads: You can purchase leads online. Warning: online leads can work great for the right person but can be a total waste for some. Talk to the online lead company to get suggestions. There are a lot of good pointers for online leads but that will need to be in my next article.

Supplement phone leads and Pre Set appointments: Supplement candidates can be legally called (assuming DNC guidelines are followed). You can pay companies to pre set supplement appointments for you but you cannot make an Advantage sale at those appointments. A good cost for pre set supplement appointments is $18 to $24 per appointment

Some agencies will provide you with leads at no cost but with a reduced commission. This can often be a good deal for many new people in the business, just make sure there are no other strings attached.

Understand the LIS and MSP programs in your state: This is one of the biggest mistakes new and experienced sales people make. They are not familiar with the different Rx and Medical help programs for seniors in their state. Knowing these programs can lead to many additional sales and can help you close your existing sales. You must know the income levels for your state. Drug and copay help programs can create a special election period to sign someone up for a plan outside of AEP.

Understand how full Medicaid works in conjunction with a supplement or Advantage plan: Most sales people have no clue when it comes to Medicaid interaction with original Medicare, Advantage plans and supplements. A lack of understanding by the agent will cost him/her a number of sales.

Be contracted to sell other lines of business: If you are working hard to run appointments, you will certainly see clients that are looking for other services as well such as Hospital Indemnity plans, Final Expense plans, Annuities, Dental and Vision benefits, etc. The more services you can provide the better you will do.

Effort, Persistency and tracking: Work hard to educate yourself as much as possible. Be persistent when working leads (polite but persistent) and understand that you will not get an appointment with everyone or close every sale. Be sure to track your appointments and clients. Keep a list of client and prospects and remember to stay in touch with them.

This is a very basic introduction to Medicare sales but is it a good place to start on your road to Medicare Sales success.

How To Start A Roasted Corn Business

Corn roasting is a simple yet very profitable small investment business. The successful corn roasters make full time living working just the summer months.

To start a roasted corn business you will need to acquire permits and business licenses from the health department and from the state. The following is a typical checklist to start your business.

1. Decide the size and the scale of the operation.

2. Decide on the menu for your concession business.

3. Purchase your equipment and tools.

4. Register your business.

5. Apply and obtain all the required licenses and permits needed to run a food concession business.

6. Secure events and have fun running your concession stand.

Permits, Licenses, and Inspection

Every state has laws governing business licenses and permits. Most likely, you will have to register your business with the state agency, so you can do business in the state. A tax ID number, business license number, and tax registration number can be issued to your business, depending on the state in which you are operating. You should verify with the city or county that the business location is zoned for that activity. You must have commercial liability insurance, both for your business and for your vehicle and trailer.

Health Department and Food safety

As a business owner and a food worker, you will be preparing food for other people. Contact the health department of your county or state to receive a copy of a food safety guide that will help you greatly in learning more about food safety. Roasted corn is considered a less hazardous food, but if you are going to sell potatoes and turkey legs you may have to pay higher fee.

Start-up Costs of a Corn Roaster Business

Brand new corn roaster with warranty: 10,000-$12,000.

Used corn roaster: $5,000-$8,000.

Additional equipment and accessories: $1,200-$2,000.

Used van or truck: $2,000-$10,000.

Food cost for first two events: $300-$1,000.

Event sign-up fee: $800-$3,000.

Fuel, utilities, and miscellaneous: $200.

Equipment Required to Start a Corn Roasting Business

A professional corn roaster, minimum 200-500 corns per hour.

Hot plate for melting butter

Steam table for storing cooked potatoes and turkey legs.

Two 20-lb. propane tanks

Fire extinguisher

Commercial quality tent

2 tables,

Hand washing unit (portable) very easy to assemble one

Mics. Little things

Google “Corn Roasters” and search for companies that will help you get started before buying the equipment if you are strapped for cash. One of the company Texas Corn Roasters help.

How to Find Events and Festivals

There are many sources for finding festivals and events, such as your vendor friends, the local Chamber of Commerce, auto racing, fairs and festivals, flea markets, rodeos, and theme parks. The Internet is one of the greatest sources for finding events. Many good sites provide this information. Always send a professionally done proposal with your application if you want to beat the competition.

Suppliers and Producers

Suppliers and produce wholesalers are your key to success in this business. You cannot afford to buy the food from retailers, so you must find producers capable of providing you quality food at wholesale costs. Every state and big town has a local supplier who delivers food supplies to local restaurants. “Wholesale food distributor” in the Yellow Pages is a good place to start. Corn is cheap if buy from a wholesaler.

Serving food at the festival

The way you serve can also improve your business. You will need certain condiments for every item you server. For instance sale, black pepper, Cajun spice, garlic powder, lemon pepper and more.


You have probably heard the saying “flash is cash.” It is very true when it comes to the festival business. You could have the most delicious food, best prices, well-trained staff, and a festival with thousands of people. If your booth fails to attract customers,, it is probably the poor signage.

Tribal knowledge

Like many other small profitable business the roasted corn business is run by tight lipped vendors who do not share tribal knowledge. There are not any website, or sources for a newbie to find any information. The tribal knowledge could help you make extra 25K a year. There is a very helpful book “Earn an entire year’s living with corn roaster”, that covers this business with very granular level of details. It is worth buying.

If you plan on making your concession business a full time job, consider an RV that can tow your corn roaster trailer and getting on the list of concession vendors that follow a fair rout.

Accounting and numbers are also very important aspect of this business. Festival Concession business offers financial and personal freedom like no other small business does.

15 Facts About Paper Shredding

1. The first paper shredding machine was patented by inventor Abbot Augustus Lowe in 1909. But his prototype never saw mass production — Lowe died only three years after patenting it.

2. In 1935, a German engineer named Adolf Ehinger created a second machine designed for paper shredding. He had to create it in a hurry: Its purpose was to shred hundreds of volumes of anti-Nazi propaganda before Hitler’s secret police could find them.

3. Paper shredding isn’t just something that happens in the office. Many firms’ need for document destruction is so great that they hire dedicated shredding companies to visit their offices with huge ten-wheel trucks with giant paper shredding machines mounted on the back.

4. Doctors and health insurance providers are legally tasked with document shredding duties. Because their patients’ and clients’ information is so sensitive, state and federal laws dictate that all medical organizations have comprehensive data-destruction plans.

5. The practice of paper shredding gained a questionable reputation in 1972, when President Nixon’s operatives shredded huge amounts of paperwork in an attempt to cover up the bungled attempt to burglarize the Democratic National Committee headquarters at the Watergate Hotel.

6. The biggest paper shredding machines on the market make your office shredder look like a plaything in comparison. Many of them eat just about anything, including (but probably not limited to) binder clips, rubber bands and hanging file folders. Do not anger these machines.

7. Because of state and federal laws aimed at preventing identity theft, paper shredding has grown into its very own industry. Many waste management companies have introduced document destruction into their service menus.

8. Paper shredding in the home saw a marked rise in popularity in 1988 — the year the United States Supreme Court ruled that personal trash became public property once it hit the curb.

9. Many document destruction services offer a “Certificate of Destruction” — a legal document that ensures that certain practices were followed in the destruction of documents, and that all of the documents were completely destroyed.

10. Paper shredding used to be all any business needed to worry about. But as digitally-stored information became more widespread, the need for specialized services to erase and destroy computer hard drives followed suit.

11. Like doctors and health insurance professionals, accountants are legally bound to adhere to certain document shredding standard. The Gramm-Leach Bliley Financial Modernization Act of 1993 outlined the measures that must be taken to destroy sensitive client information.

12. Iranian revolutionaries changed the way we approach paper shredding in 1979, when several of them stormed the American embassy and seized piles of shredded documents. Since the embassy’s shredders only cut paper into long, thin strips, it was simple for the revolutionaries to paste the documents back together to access the (highly secret) information they held. After this, cross-cut shredders became the norm.

13. According to a survey by the nonprofit Identity Theft Resource Center and Fellowes, Inc., many Americans believe identity theft is more likely to occur during online exchanges — even though online exchanges represent less than 10 percent of identity theft cases.

14. Some of the most technologically advanced shredding machines cut documents into pieces measuring just 3mm by 9mm.

15. The National Association for Information Destruction is the shredding industry’s nationally recognized trade association. It is headquartered in Phoenix, AZ.

The Value of Break Even Analysis

Your break even point is probably one of the most valuable pieces of information when managing your business. Let’s start with a simple definition: break even point is a level of sales which you need to generate to cover all your variable and fixed costs and break even. That means that the business has not made any money and it has also not lost any. Your profit is zero – you broke even.

Calculating Break Even Sales Point

How is break even sales point calculated? With 3 elements:


Variable Costs

Fixed Costs

The accuracy with which you calculate each of these elements is critical and will determine how accurate the results of your break even calculation will be, so make sure your financial information is reliable.

Variable Costs

Your variable costs will be those which most closely follow your sales – if sales go up, they will go up as well. They will most typically consist of labor and materials. If you have a production facility, they will also include direct and indirect overhead for that portion of your overall facility costs.

To give an example, if you sell certain widgets, you will first have to buy them from a vendor. That’s a variable cost – the more you sell, the more you will need to buy. If you sell services, the variable cost will be the time of your service providers.

Once you have established what your variable costs are and you know your sales, you will be able to calculate your margin. This should be done at the individual product level as well as on the larger level (product groups and total company).

Fixed Costs

Your fixed costs are the last element of the break even analysis. They are those costs which typically stay fixed, regardless of your sales levels. Expenses such as rent, utilities, telephone, insurance, administrative staff, etc fall into this category.

Again, be sure that your accounting records are accurate and that you can rely on the numbers you will be using in your break even calculations.

The Result – Your Break Even Point

The amount of sales needed to generate enough margin to cover your fixed costs is your break even point. So, as you can see from the previous sentence, your margin and your fixed costs will both influence your break even point.

Break even analysis will then consist of using that break even sales point by individual products, by product groups and your total business to make some intelligent decisions regarding your product pricing, your variable costs and your overhead.

Calculating your break even point will focus your attention on the key components of your business in a way that is bound to discover non-performing SKUs, areas of overspending and unprofitable customers.

Based on the result of the break even analysis, you will be able to set better targets for different levels of profit you want to achieve. And you will know how to achieve your targets, because you will be very familiar with the driving factors behind it by now.

Many business owners cannot arrive at an accurate break even, because they don’t have accurate margin information for their products. Once their inventory get a little complex, they may lack the commitment or the discipline to establish accounting systems to track those costs and calculate product by product margins.

So, the mere fact that you have an accurate break even sales point means you have done a lot of good homework and know your numbers pretty well. The break even analysis is really the crowning of all that effort and the reward you now richly deserve.

Once you have all the needed pieces, break even analysis will be the kind of financial information you will never want to be without!

Temporary Medical Staffing Agency: Start-Up Costs

How much money do you need?

In my experience I have seen medical staffing agencies start-up capital range from $5,000 to $300,000. Having more money does not guarantee success and having less money does not mean failure.

How much money you will need will depend on many factors. Some of which will depend on if you are planning to rent an office, hire employees or work the business initially yourself.

Take a look at the bottom list, it will give you a better idea as to the cost opening up a medical staffing agency. The list assumes you are opening up an actual office. I have consulted for many medical staffing agencies and I have seen some of the most successful medical staffing agencies start from a room in there garage a cell phone and conduct meetings at Starbucks.

Start-Up Expenses

Rent/deposit $600 -$4,000

Equipment: $2,000-$5000

Software: $500-$2000

Insurance: $100-$4000

Signage $500-$1500

Leashold improvements $0-$3000

Legal/Accounting $200-3000

Owner Salary $3000-$5000

Advertising $500-$2000

Phone/Utilities $200-$700

Misc $200-$500

Can You Start With Less Than $5,000?

Yes you can, it is possible and it has been done. There are many factors to consider when starting a medical staffing agency. You can start for under $5,000 if you decide to it on your own, staff yourself and slowly grow.

I started my medical staffing agency for under $1,000 before I actually secured my first account. It was not difficult to do and many medical facilities require certain key documents to get started. THey usually don’t care if you have a office, answering service, marketing material or any expensive start-up costs.

To get started you need just a few basic inexpensive key elements. It does not matter if you are a nurse, ultrasound tech, radiology tech, respiratory tech or any other medical niche.

I found that people make it so difficult to start there medical staffing agency. You can start your medical staffing agency in less than a week and have our first contract before the month is over. It is very easy and the simle steps to get started are fundamental and easy.

You can choose to spend thousands of dollars, you can hundreds of thousands of dollars to franchises or you can simply just start.

Starting your medical staffing agency is a simple ten step process. The process is not difficult and you should not have to pay ten thousand dollars to learn how.

It should not take you more than five days to be up and running. Your medical staffing agency does require certain documents and certain types of insurance, but those are easy to get and do not require much leg work.

If you are in the industry and are looking to provide medical staffing services using you as an independent contractor, you already have half the battle done. Your medical staffing services can be offered in less than five days. I was able to get my entire medical staffing business up and running in less than two days, but it was because I have years of experience working in the medical staffing industry.

Five Companies With Which to Register for REO Trash-Out and Foreclosure Clean Up Jobs

Many smaller foreclosure clean up businesses get work from larger mortgage field services companies. The trash-out and foreclosure clean up industry is on the rise, as is evident in foreclosure industry reporting data from sources like RealtyTrac, an online marketplace for foreclosures. According to RealtyTrac, 3,825,637 foreclosure filings were reported in 2010 on U.S. properties. That’s a double digit increase from the year 2008.

Foreclosure clean up companies handle the clearing out, cleaning up and ongoing interior and exterior maintenance of homes that have been foreclosed upon by banks and mortgage companies. Services offered by foreclosure clean up companies can include a wide spectrum of services, well beyond cleaning. Services offered by these businesses include cleaning, debris removal, painting, minor repairs, lawn maintenance, applying tarps to roofs and full roof repairs, pressure washing, gutter cleaning, one-time and ongoing inspections, vehicle removal, tree cutting, winterization, lock changing, window and door boarding, and more.

Establish Your Foreclosure Cleaning Enterprise First

Many smaller foreclosure clean up companies get work from property preservation companies. While there are a plethora of property preservation companies in existence, it can be a time-consuming process signing up with all of these entities. The best way to start getting work is to establish your business with the proper license, insurance, and equipment.

Your License: Often a business occupational license from your county’s County Clerk Office is what is needed. Each county is unique, so call your government office that handles business licensing in your county to find out what type of license you will need based on the services you choose to offer.

The Business Insurance: Next, contact a local insurance agency and discuss your business so you can best determine the type of coverage your company will need. At minimum, you will need liability insurance coverage. Also plan to discuss securing workmen’s compensation insurance and the appropriate coverage for your vehicle.

Preparing for Equipment: There are a few routes you can take when it comes to getting equipment for your business. You can either a) purchase equipment, b) rent equipment, or c) use the equipment you already have on hand in your garage or basement to start your business. Plan equipment based on the services you plan to offer in your business.

NOTE: If you niche your services, or offer one-stop shop services based on subcontracting or referring out services, you will need limited equipment to start. However, if you choose to become a one-stop shop and do everything yourself, you will need more equipment. Keep this in mind as you plan your business and equipment needs.

After you have properly researched the industry, planned your business and marketing strategies, secured proper license and insurance, and have your equipment needs in order, it will be time to start signing up for work.

The best way to start is to register your business with larger property preservation companies. Below is a list of five large property preservation companies. Contact them for their vendor packets and start signing up your company so you’re part of their databases.

List of Five Top Property Preservation Companies with Which to Register

1. Mortgage Contracting Services, LLC: A national property preservation and inspection company founded in 1986. (Website: mcs360 DOT com)

2. Cyprexx Services: Cyprexx is a national field services business that provides property preservation, inspection, repair and maintenance services to some of the largest financial organizations, government institutions, asset management corporations, and brokers in the U.S. (Internet Address: cyprexx DOT com)

3. Five Brothers: This company has been in business for more than 40 years providing property preservation, inspection, and REO management-related services. (Website: fivebrms DOT com)

4. Field Asset Services, Inc.: Field Asset Services is an REO asset management servicing and property preservation company responsible for more than 7.3 billion dollars in residences on behalf of almost 30 major nationwide clients. They regularly care for 120,000 plus properties. (Site: fieldassets DOT com)

5. Lenders Asset Management Corp. (“LAMCO”): LAMCO has been in existence since 1989 providing residential REO asset management and outsourcing solutions for national lending institutions, banks, servicers, and investment firms. (Web: lendersreo DOT com)

Planning for Property Preservation Tests

When you register your foreclosure clean up business with these large property preservation companies, be prepared to show proof of insurance, business registration, and quite possibly be prepared to take a property preservation quiz. Most of these quizzes are straight-forward tests that simply judge your comprehension of basic industry terms and tasks. Much of the test information is quickly available online — if you don’t already know it.

Foreclosure Clean Up Jobs for Years to Come

Remember, once you get registered with these companies and your credentials check out, these larger entities can provide your company with bulk foreclosure cleaning work for years to come.

Much success registering your REO trash-out business with these companies for foreclosure clean up jobs!

For a larger list of property preservation companies and other key businesses with which to register for foreclosure cleaning and REO trash-out work (with direct vendor job links), see the Property Preservation & Real Estate Industry Contracting and Subcontracting Directory.

10 Things to Consider When Starting Your PDR Business

Owing to the reasons that paintless dent repair is fast and efficient it is quickly becoming popular. But there is a dearth of trained professional technicians who are skilled in the techniques that are required for this trade. If after training you want to start your own business then here are some tips to keep in mind when starting your Paintless Dent Repair (PDR) Business.

1. Survey the Market:

It is very important that you consider your potential market. Decide who you will work with? Do you have any connections at a body repair shop, wholesalers, car dealer, detail shop, service centre, etc who will hire you once you complete your paintless dent removal course?

2. Survey your Competition:

Collect information about how many paintless dent removal technicians there are in your area and how are they operating in your potential market. What are the charges for their services and what kind of a relation does your competition have with your potential market as well. Note all these things down for reference.

3. Register your Business:

Check out your state government’s website and get information about how to register your business. Make sure that you choose a business name that connects you to the paintless dent repair industry and you could even use the words like dents, dings, dent repair, etc. Complete the entire registration process or even get some professional help.

4. What are your State’s Requirements?

The rules and regulations vary from state to state and so it is important that you are completely aware of all the requirements for setting up a PDR Business. You may need business insurance, sales license, shop space, etc. You could ask a local dealer or the office manager of a PDR company what their dealers require from their vendors that is you.

5. Get Trained and buy the Tools:

You need to get trained at a very good academy so that you are well versed in the techniques and skills required in this business. You could consider the name Dents R Us for your paintless dent removing training. For more info check them out at http://www.dentsrus.com.au. You will also need to buy your tools for the job and you need to practice as much as possible.

6. Get Business Material:

You will need office stationery, business cards, invoices, etc and even some accounting material.

7. Don’t quit your Current Job!

It is important that you keep your current job as you will need some income to support the business and the family till you are really on your way.

8. Practice on your Acquaintances:

As you begin your business you will need as much practice as you can get and one of the best ways is to practice with the cars belonging to your connections and acquaintances. Of course not many people will hand over the keys to their BMWs, until you are sure of your skills but till then you can even ask your local body shop to give you some work for no pay.

9. Pitch yourself:

You need to be your best marketing strategy. You need to start talking about your work to potential clients or people who will get you work. You need to show them what you are capable of and you need to convince them that you are only getting better and it is YOU that is working for them. Be responsible and you will get recommendations.

10. Legalities:

Last but not the least, finalise your legal businesses and tie up the loose ends in regards to conducting your business as a vendor to body shops to dealerships.

These are few things you could keep in your mind when starting out. Hopefully they have been of some help.