Category: Austin Resourses

Get Free Fast-Food Using An Austin Business Consultant

I want to share an interesting ad I saw in the paper the other day: Wealthy fast-food addict in search of an Austin business consultant to guide him in the purchase of a fast-food franchise so he can save money on burgers and fries.

Okay!

I didn’t really see that ad, but I know Texas business strategists and business coaches all around your area that could help that person, or you, find and purchase a franchise by guiding you through the process if that’s what you want to do.

It just so happens that, even though I’m awful with an opening joke, I know a few things about buying a franchise myself that I learned from Austin business consultants. This time I’ll be serious, so please keep reading.

As with anything, common questions arise that you want to be answered before you begin to even consider buying a franchise. Before you consult with a Texas business consultant or business strategist, you must read the answers to those questions and save yourself some time and maybe money.

How does a franchisor make his money?

They consult a Texas business coach as you will! Then, they charge a hefty fee for a franchise. After that, they collect a percentage of the sales and also sell supplies and services to the franchise.

Consult an Austin business consultant to find out the standard fees and percentages for the industry in which you want to buy a franchise.

What’s more important? The initial fee or the charges down the road from sales, etc? Assuming you’re buying into a successful franchise, definitely concern yourself more with the charges you’ll incur down the road.

Those charges come directly from a percentage of your sales, not profits. Too high of a percentage can deflate your profits.

Beware of any hefty fees required upfront. Make sure the franchise is successful. Most importantly, consult with a Texas business consultant or seek the help of a Texas business coach before signing any contracts.

Well, is it worth it to pay a percentage of my sales?

I can’t decide that for you. Austin business consultants say that if you possess industry experience then, yes, it could be worth it for you. However, if you’re new to the industry you want to buy into and just want to try your hand, it might be best to work for someone else first.

Texas business strategists point out that you pay a percentage of sales. That means what you pay doesn’t take into account operating expenses and the like. If you don’t know the industry, you can’t plan ahead so that you can pay those fees and still make the profit you need.

What other costs can exist?

You might have to pay a percentage of advertising costs and not just for your area. This might include local, regional, or even national costs. Again, consult with an Austin business consultant.

Take advantage of the help that Texas business coaches can give to you to help you make the smart choice.

What else should I watch out for?

Talk to other franchise owners and a Texas business consultant before proceeding with buying any franchise. I can’t say that enough! However, you should know if you could sell the franchise easily, if the franchise fees can be increased for any reason, and how your industry skills stack up against others who bought into that franchise.

Again, talk to a Texas business strategist and other franchise owners. The time you take to do your research will pay off in gains instead of losses.

Austin Renters Insurance

AUSTIN RENTERS INSURANCE IS AN IMPORTANT INVESTMENT YOU NEED TO MAKE.

Austin is a highly eclectic city where over 50% of the population prefers to rent due to a high level of prosperity that tends toward upward mobility. Unfortunately, in the “California of Texas” as many people call it, over 30,000 thefts, burglaries, and larcenies occur every year. A surge in personal prosperity can suffer a devastating setback if one neglects to indemnify the contents of one’s home and access to one’s personal information. Very few people in Austin live below the state poverty level, so in spite of Austin’s higher cost of living in places, renters insurance in Austin offers only a marginal expense with exceptional return on investment.

Texas renters insurance not only indemnifies Austin tenants, but also protects owners, property managers, and landlords who also require protection from potential third-party lawsuits filed by uninsured residents.

POSSIBLE DISCOUNTS

Persons of any age or background often qualify for discounts on their Austin rental insurance policies. College students in particular will be happy to learn that in most instances they can qualify for policy discounts if they live with an adult roommate who is home during daylight hours. Young professionals in Westlake and North Austin who live in newly constructed gated communities may also receive discounts for living in newer dwellings with a higher security rating.

For older neighborhoods near the Greenbelt and South Lamar, something so simple as installing a burglar alarm can generate discounted rates on renters insurance in Austin. Retired Dell employees with a spouse still working part-time also may qualify for similar discounts such as the ones available to college students because, again, someone is home during the day.

Such discounts, however, are difficult to negotiate with carriers directly. That’s why we recommend that you request a quote through an agency that can systematically assess the many benefits our team can possible obtain from an insurance company by working as an advocate on your behalf.

AFFORDABILITY AND SCOPE

Even without a discount, Austin, TX renters insurance is now more affordable and more comprehensive than ever before. The annual cost of apartment, condo and home rental insurance in Austin is almost ALWAYS less than 10% of the total value of the contents covered. The very nature of coverage can also be “customized” in a sense to fit the lifestyle of the person. An empty-nester couple, for example, will have very different items and equity to insure than a college student or twenty-something that probably has a great deal of high-performance entertainment equipment and computer technology in their living room.

POLICY TYPES

This brings us to the topic of the types of Austin rental insurance available to people.

Generally speaking, there only two major types of coverage: Named Peril and All Risk. Named peril only covers specific types of distresses and certain types of losses. An All-Risk policy covers the majority of a person’s belongings and is what we recommend to Austin rental insurance customers with very few exceptions.

We can also make certain by interfacing on your behalf with our carriers that no exclusions are made in the policy at the time of issuance.

Exceptionally valuable items such as furs, jewels, family heirlooms, and high-ticket electronics can be insured under a secondary policy through a process known as “scheduling.” This allows us to itemize and assess the value of each individual item so sentimental and rare belongings are covered at their full financial value.

ADDITIONAL BENEFITS

In some instances, Austin, TX renters insurance can also cover damages to the insured tenant’s property if damage results from actions or occurrences originating in a neighboring residence. For example, one water leak in a single apartment can damage flooring, furniture, and belongings in several surrounding units. A fire in a neighbor’s kitchen or bedroom can flood the entire complex with smoke and damage hundreds or possibly thousands of dollars in furniture, appliances, and artwork. Renter’s insurance in Austin can now help process claims against such incidents.

Please be aware that when today’s thieves break into apartments and houses one of the first things they take is a credit card bill or social security statement that contains all of your personal information. To pro-actively counter this threat, many providers now write Austin renter’s insurance policies that cover losses suffered from identity theft.

Finally, for those looking to buy a home in the future, investing in an Austin renters insurance policy now will help develop an insurance history that can qualify them for home insurance discounts when they buy their first house.

In a very real sense, Austin renter’s insurance offers the added value of protecting one’s person and future as well as one’s property!

Consumer Credit Counseling In Austin, Texas

Consumer credit counseling in Austin, Texas is fundamentally little different from financial assistance services in any other city or state, except that these credit counseling companies are designed to meet the needs of people living specifically in Austin and its surrounding cities. Austin is the fourth largest city in Texas and is the capital of this great southern state.

As with many credit counseling companies, consumer credit counseling in Austin offers some free or low-cost assistance for your credit issues. Credit problems can be caused by debt, late payments, no payments, or several other core reasons. Consumer credit counseling in Austin is available to help you take that first step to financial freedom.

What is Consumer Credit and Debt?

To understand what consumer credit counseling in Austin is all about, you must first understand what consumer credit is and the debt that can come with it. Consumer debt is incurred when you have spent more money than you can afford on products that will not grow in value. Generally, consumer debt includes things like credit card debt, monthly bills that have not been paid, and personal loans.

This definition can be expanded to include additional products such as home loans, mortgages, and car financing that you are not able to pay and have built up into debt. All these things negatively affect your credit score, which means that any debt you have will cause your credit score to drop. This is when consumer credit counseling Austin becomes a great option.

What is Consumer Credit Counseling?

Now that you have some understanding of consumer credit and debt that accompanies it, the services offered by consumer credit counseling in Austin will be more apparent. If you are in serious debt, which automatically means that your credit has been affected, it is best to seek financial assistance. This assistance could come in many different forms. Some consumer credit counseling services in Austin come through phone sessions, help through the Internet, or face-to-face meetings. No matter how you receive financial counseling, generally, you will be taught the same things.

The first thing that these counseling services in Austin will teach you is how to assess all your finances. This includes calculating how much money you are making monthly and comparing that to how much you are spending. If you are spending more than you earn, you are probably already in debt. If so, that leads to the next process you will learn, which is the discipline of budgeting.

Budgeting is a crucial part of debt management, and any consumer credit counseling company in Austin will teach you how to budget properly. These financial counselors will also offer you the best options for reducing your debt and repairing your consumer credit. That is the benefit of seeking financial assistance, so you can rise above your credit and debt problems.

So, if you live in Austin, Texas and you are experiencing financial problems, you can seek the help of consumer credit counseling in Austin and receive the tools and professional knowledge to help you manage your debt effectively.

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