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155
Legal Do's (And Dont'S) for the Small Business
by
Paul Adams
One of the most difficult aspects
of starting and running a small business is knowing what are the requirements
for compliance with the law ... and what legal pitfalls to avoid. This
user-friendly guide, written by a practicing attorney, features a format
that offers helpful cross-references and quick access to 155 major legal
do's and don'ts in a variety of subject areas, including international
transactions, intellectual property, contracts, computers, business succession
planning, and more. |
The
Trusted Advisor
by
David H. Maister, Charles H. Green, Robert M. Galford
The key to professional success
is the ability to earn the trust and confidence of clients. To demonstrate
the paramount importance of trust, the authors use anecdotes, experiences,
and examples -- successes and mistakes, their own and others' -- to great
effect. The result is an immensely readable book that will be welcomed
by the inexperienced advisor and the most seasoned expert alike. |
*
|
 |
USING
THE PROFESSIONALS
| There
are at least 3 important professionals whose services are invaluable to
the beginning entrepreneur: the lawyer, accountant and banker. Sooner or
later, though, you'll be hiring other professional to help you in some
aspect of your business. Here's a list of professionals and an idea of
what each one can do for you. |
 THE
LAWYER |
| THE
ACCOUNTANT |
| THE
BANKER |
|
|
THE
LAWYER
|
| A lawyer can offer you expert
advice on establishing a small business, buying an existing business, or
evaluating a franchise opportunity. He or she can also help you draw up
a partnership agreement, plan for expansion through incorporation, sale
or purchase of business, provide research and advice, etc. The lawyer is
working for you, take your time in deciding who to hire. Your needs must
be clearly understood and you should feel comfortable when dealing with
your lawyer. It is very important that the lawyer be a business lawyer
and deliver easily what you ask. It is your responsibility to read and
check all documents and fully understand what you are signing or accepting.
No advisor should divulge confidential information about your affairs (
except when required by law ). You should know that, if you want the expertise
of a senior partner in law firm you may be charged more than with junior,
because senior partner cost more. Though you may be reluctant to pay for
legal advice, its benefits in terms of time, wary, and saved later, definitely
outweigh its initial cost. After all, the cost of professional help is
a legitimate tax-deductible business expense. |
|
THE
ACCOUNTANT
|
Many businesses use the
service of an accountant to put their income tax information together once
a year. The good accountant can provide you with much more. He or she can
help you interpret financial information so you can make business decisions
based on facts. Good accountant try to ensure that the income tax you pay
is kept to a minimum. Shop around for an accountant who is enthusiastic
about your business and interested in helping you anticipate and avoid
financial problems. Remember, most businesses are not receiving adequate
service, mostly because they don't ask or they don't know what to ask their
accountants.
You can't ask a financial
planer to give you blueprint for your financial future if you withhold
vital information about expenses and debts. To be licensed, most experts
must belong to legally recognized professional associations.They are expected
to adhere to strict codes of ethics designed by those groups and these
codes protect you and your right for confidentiality. Any personal information
you reveal during a consultation may not be repeated to a third person
without your approval. However, an accountant may be obliged to give information
about your income tax-returns to government authorities on demand.
Accountants
generally charge an hourly fee, and fee may vary, so it's good to shop
around. |
|
THE
BANKER
|
When you open any form of
business with a bank, you can usually call upon the training and expertise
of its professionals to help you start and build your enterprise. You should
tell him/her about your business idea at early stage. Be as open and cooperative
as possible in providing information about the amount you may need to get
started, the time period of the loan, the background for your company,
and any financial statements you have gathered. The more information you
provide the easier it will be to deal with the bank and receive the desired
service. Remember, bankers do not like high-risk situations!
Make a list of questions
to ask your banker, such as the following:
How
may I arrange a line of credit?
Who
approves the loans?
What
are your lending limits?
What
is your opinion of the industry I plan to enter?
What
advice can you give me with respect to my business plan?
Shop around for a bank and
banker with whom you are comfortable. Financial institutions need your
business and will generally try to assist you in any way they can. Bankers
can help you with operating loans, financing plans, cash management, letters
of credit, leasing assets etc.
Bankers, too, have a code
of ethics they must follow developed by bankers association. There are
many government regulations that oblige them to protect privacy and confidentiality
of your financial affairs (except for income-tax information to government
authorities on demand). It's important to know that if you need to use
expertise of bank account manager, you may be charged a nominal fee determined
by the amount of time you spend with the account manager. |
|
|
OTHER
PROFESSIONALS
|
|
THE BOOKKEEPER
If you are not familiar with
the process of recording business transactions in the accounting records,
it is very important to find good bookkeeper. He or she keep accurate and
complete financial records and a good bookkeeping system will be a great
help. |
|
|
|
BUSINESS CONSULTANT
Putting your plan together is
a big job. Help is available from business consultants. A good business
consultant can advise you on your business plan, alert you to the pitfalls
involving in starting your business and counsel you about how to avoid
them. Fees charged by business consultants vary. It is your interest to
shop around. |
|
|
|
INSURANCE AGENT/BROKER
For every business, being properly
insured is critical. A good insurance agent/broker will not help you assess
the right amount of coverage you need for such standard concerns ( as fire
or theft ), he or she can also advise you on your insurance need in the
event of bad debts or unexpected loss. You should not be sold more insurance,
or other services, than you need. They generally don't charge for their
services. |
|
|
Winning
Decisions: Getting It Right the First Time by J. EDWARD RUSSO,
PAUL
J.H. SCHOEMAKER
Business revolves around making
decisions, often risky decisions, usually with incomplete information and
too often in less time than we need. Executives at every level, in every
industry, are confronted with information overload, less leeway for mistakes,
and a business environment that changes rapidly. In light of this increased
pressure and volatility, the old-fashioned ways of making decisions–depending
on intuition, common sense, and specialized expertise–are simply no longer
sufficient. Distilling over thirty years of groundbreaking research, Winning
Decisions, written by two seasoned business advisers and world leaders
in behavioral decision studies, is a comprehensive, one-of-a-kind guide
to the proven methods of making critical business decisions confidently,
quickly–and correctly. Decision-making is a business skill which managers
often take for granted in themselves and others–but it's not as easy as
some might think. The authors, whose expertise has been sought out by over
a hundred companies, including Arthur Andersen, Hewlett-Packard, IBM, and
Unilever, contend that decision-making, like any other skill, must be developed
and honed if it is to be used effectively. Winning Decisions offers step-by-step
analyses of how people typically make decisions, and provides invaluable
advice on how to improve your chances of getting your next big decision
right the first time.
The book is packed with
worksheets, tools, questionnaires, case studies, and anecdotes analyzing
major decisions made by organizations like British Airways, NASA, Shell
Oil, and Pepsi. Some of the proven, straightforward techniques covered
in Winning Decisions include how to:
Reframe issues to ensure
that the real problem is being addressedImprove the quality and quantity
of your options
Convert expert yet conflicting
opinions into useful insights
Make diversity of views
and conflict work to your advantage
Foster efficient and effective
group decision-making
Learn from past decisions--your
own and those of others
With Winning Decisions,
managers and other professionals now have access to a proven set of skills
and strategies they need for making the right decision, right away. |
|
|
|
Basic
Accounting for the Small Business : Simple, Foolproof Techniques for Keeping
Your Books Straight and Staying Out of Trouble by Clive G. Cornish
This book has shown its worth
in helping the business person reduce accounting costs as well as the accountant's
workload. Types of sales, handling of cash, payables, expenses, payrolls,
and inventories are thoroughly discussed. Includes sample financial
statements. |
|
|
Be
Your Own Consultant: 188 Ways to Improve Your Business Operation
by
Irving, Phd Burstiner
Providing hundreds of specific
and thought provoking tips that will make readers think in new ways about
every aspect of their business, this book will help anyone learn how to
evaluate their business operation with objectivity, in order to reduce
costs, increase sales and maximize profits. |
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Good source
of info on how to select, buy, and use online products and services for
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