Inside the Sports Illustrated Swimsuit Issue

It’s a multi-million-dollar secret kept under http://teamverdonellc.com wraps every year. Six undisclosed locations, 18 bikini-clad models and 155,000 http://macalusolawyers.com images to choose from. But when the 2010 Sports Illustrated Swimsuit Issue is finally revealed, it will be a global sensation like no other.

CNBC takes an unprecedented look inside the most profitable single-issue magazine franchise read more in the world. Find out how business, beauty, fashion and sports come together to create this much-anticipated, multi-dimensional franchise that alone generated 7 percent of Sports Illustrated’s advertising revenue in 2009.

The Sports Illustrated Swimsuit Issue means big business not only for parent company Time Inc., but also for the models, advertisers, fashion designers and locations that http://burkinlaw.com grace its pages. Rovell gives viewers a blog behind-the-scenes look at the scouting, set-up and inner-workings of the photo shoots as he travels to one of the exquisite undisclosed locations and interviews the models vying for the ultimate prize — being featured on the cover of this http://sdyelaw.com year’s issue and becoming a household name.

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Top Creative http://sadlerlawfirmllc.com Ice Cream Trucks

There is no doubt that ice cream is one of the nicest things in hot summers. It is impossible to buy and eat ice cream http://kleymanlaw.com at any place. However, it is not definitely impossible. You read more can buy http://luissanchezrealty.com ice cream on Thames River, on Tamarama http://austininsuranceguy.com beach, on bus, or at the bus stop.

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How to Start and Run a Coffee House Business

Starting a coffee shop business and being one’s own boss can seem very romantic and glamorous. It’s easy to imagine peaceful days chatting with customers, hanging out in a beautiful location, making friends, and bringing in big money for doing a job that sounds fun: making delicious coffee or tea drinks and making people happy.

While it is good to have a positive outlook, one must also consider the possible downsides to being a business owner. What if the coffee shop business is not successful right away? What if finances are tight and there are no paychecks for a few months? What if long hours are needed to run the business? These are the kinds of questions a future business owner will want to think about carefully.

Start with a Business Plan for the Coffee House

According to the U.S. Small Business Association (SBA), “Planning is critical to successfully starting and building a business.” Following are ideas for forming the dream of how to start a coffee shop business into a realistic plan and, hopefully, a money-making success.

Every potential business owner should consider making a business plan. This plan tells and shows everything possible about the planned business. This report will include start-up financing, daily operation plans, marketing ideas, and more.

Potential coffee shop business owners can look online, at the library, or at a book vendor for information on making a formal business plan. The Small Business Association website has a good free Small Business Planner online.

A business plan includes details about the http://rightwaydriverclinic.com business, including location (perhaps the most important decision), city regulations, start-up costs, advertising ideas, hourly cost of doing business (overhead), top income possible (considering customer seating, employees, etc.), and so on.

A business plan may be necessary for city http://eastshorecafe.com approval, business financing with a bank loan, etc., as well as acting as a “map” for running the coffee business in the future.

Business Advice from a Coffee House Owner

According to Diane, owner of a busy small town coffee shop in the Pacific Northwest, here are some key points for having success with a coffee house:

Talk to your city and find out about impact fees, regulations, and permit obligations.

Be in love with your product; get the best product you can http://dennysdependableauto.com get.

Know your customers; know their wants and needs and the demographics of the clientele you will be serving.

Be involved in your community; support the local sports programs with fundraiser advertising, for instance.

What Customers Like in a Local Coffee Shop

According to customers, some reasons for the popularity of this particular coffee house are:

Friendly small-town service

Good drinks and food

Fun and funky atmosphere set in an old house

Good location http://sorealty.com in the center of town

Pleasant mix of background music

Outside seating for sunny days

Frequent customer reward stamp-cards

Comfortable seating

Free Wi-Fi for getting work and emailing accomplished

A business plan should address these types of issues and more. What will be the style of the new coffee business? How about decor? Music? Prices? Offerings? Furniture? Hours? Employees?

Other Things to Think About Before Starting One’s Own Small Business

Owning a business http://insurance4grantspass.com is often more work than it is glamorous.

Expect to put in a lot of hours to get a business running, especially in the first year.

Consider finances carefully. Permits cost money. Machinery breaks. Employees quit.

Most new small businesses fail in the first year. Have a back-up plan or two, especially business financing.

Rejoice at small steps like the first dollar earned, the first month making a profit, and the one-hundredth customer. These memories will help get through difficulties.Instant click here success is rare. Owners need tough skins and a can-do attitude.Watch new trends in the industry. Read “Who Moved My Cheese?,” by Spencer Johnson, a short book perfect for entreprenuers. The book is about attitudes toward change in life, especially at work. (Amazon.com)

For more information on small business, see Best Funky Portland Coffee Houses, Advertising a Small Town Business, and Small Business Advertising Ideas.

Whatever sort of business one decides is the best fit for them, most all of the advice above is applicable. Be excited, be wise, and best of luck for success.

Article Update 2011:

Diane’s coffee house continues to grow in popularity. Her business has now relocated to an larger building, just down the street from the original shop. Her cool coffee shop now offers a full deli menu, daily food specials, and weekly live music.

Resources

Special thanks to Diane, the owner of Battle Grounds Coffee House (personal interview at Battle Grounds Coffee)

The author, Janienne Jennrich, has operated a small business and has a degree in Consumer Psychology with an emphasis on Business and Marketing.

About the author

Janienne Jennrich Aka Jjnw

Published writer, photographer & artist who homeschooled her great kids through high school. Survivor of domestic violence, speaking out.

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Insurance :: Damage Control: Mitigating the Effects of Rising Product Liability Insurance Rates.

It had to happen.

Product liability insurance rates for the dietary supplement business, which have been in a steep decline for about seven years, have bottomed out in the previous ninety days, and are probably headed upwards in the coming term.

Why? Rates have declined by 80% according to some estimates. They couldn’t go down without end. Insurers have been struck by shattering losses and an progressively litigious social environment. Interest rates are at monumental lows with no end in sight. The ebb and flow, roller coaster course of premiums for commercial insurance has historical precedence and is destined once again to rise.

Nevertheless there are several practical steps you can put into practice that improve the odds that you will endure the seller’s market for insurance and be around to capitalize on the next buyers market when it comes.

Now, some tips.

Don’t Delay Until the Last Minute

Start talking to your broker about your renewal at least 90 days before the renewal date. Underwriters will be asking more questions about your business, questions they weren’t bothering to ask last year. Since the process is going to be more difficult, it will take more time.

Focus on Coverage- With Price

Take some time in understanding your coverage. And not simply for product liability insurance rates (although for most supplement companies this is far and away the most pricey policy they purchase). Are the risks you’re most worried about insured in your current coverage? Are you aware of areas wherein you have exposure but no coverage? Read your policies, or better yet meet with your insurance professional and carry a comprehensive review of coverage. Be prepared, as one more characteristic of a “hard” or sellers market is that insurance companies invariably attempt to reduce coverage by adding up exclusions and endorsements that conflict with what you thought you were buying.

Inform Management for Higher Premiums

Nobody likes surprises. Mid-level managers at larger companies need to prepare the bosses for higher premium rates. Insurance buyers should communicate with internal senior management regarding the company’s tolerances for uninsured risk, as deductibles may rise and high limits of liability insurance may perhaps no longer be an affordable luxury.

Step in to your Underwriters Shoes

Attempt to imagine yourself as the product liability underwriter for your business. What questions would you ask and how can your company respond to them? You accepted a 483 warning letter this year (it’s on the internet and your underwriter will find it)-do you have a ready and logical explanation? Can you give copies of the http://pereliautomotive.com certificate of insurance program you mange for your suppliers or-do you even have one? Are there any elements of your website that would frighten away an otherwise interested underwriter (sports nutrition companies should take special note of this suggestion). Have you jumped from carrier to carrier each year (red flag for an underwriter) or does your record show that you have demonstrated some level of loyalty to one or two carriers?

If you’ve had insured claims in the last five years, are you prepared to tell your side of the story as to what happened, and present supporting records if asked?

Select a Broker Who Specializes In Your Industry and Team Up

Have you ever said to yourself, “my broker clearly does not understand what we do”? Make it a top priority to find a broker who understands the supplement industry and will be an effective advocate for your insurance interests. Whether you supply raw material, finished product, or both, in a hard market the underwriter will still place you in the dietary supplement arena, where some unscrupulous characters still thrive. The reality is you are going to pay for http://richardroweauto.com that association, and a competent broker will have the skills to distinguish you from the rest of the pack.

In addition, most insurance buyers are not aware that all insurers offering product liability to the dietary supplement business require the use of a wholesale insurance broker to retrieve them. So the broker you select (hereafter called the “retail broker”) must submit your account to a wholesale broker, who in turn will yield it to viable insurance companies. Most people are under the impression that their retail broker is talking directly with the insurance underwriters. This is not the case. As a result, the introduction of even another party to the buying chain makes the insurance procurement process more vulnerable to something “falling between the cracks.” With two brokers (wholesale and retail) now in the picture, it is even more critical that a company select a competent and knowledgeable retail broker to coordinate http://camposauto.com the marketing of its insurance

So select your broker carefully– and don’t wait until the last minute!