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what’s In A Name – Just Your Business Survival!

Business

What’s so important about how I sign my name?”

I get asked that question all of the time from my business consulting clients.

I tell them that a better question to ask me is this:

“Who cares about how I sign my name?”

The answer is a simple one.

NOBODY.

FINE PRINT: Except… your customers and clients, your creditors, your bank, your mortgage company, your landlord, the I.R.S… oh yes… and anyone else that wants to SUE YOU (and don’t forget ALL their lawyers!).

As in many areas of the law, the exception to the rule swallows up the rule!

What do I mean by this?

Well, let’s start with some basics. For instance, if you’ve already formed a corporation or limited liability company (LLC), you may think that you’re already protected from personal liability in the event of a lawsuit against your business.

In general, the rule is that a corporation or LLC, if formed correctly, and if all of the formalities required under the law of the State where the entity was formed are followed, does protect you from personal liability for business debts and lawsuits.

FINE PRINT: Except… when you choose to do business as an individual, and not as the corporation or LLC that you initially formed.

You see, whenever you sign documents like contracts, purchase orders, contractual agreements, leases, loans, mortgages, promissory notes, and most other legal documents involving your business, you need to make sure that you sign your name only in your business capacity.

You MUST avoid signing your name in your individual capacity.

And how do you do that? It’s pretty simple. You see, the format that you use to sign your name is the controlling factor.

In many cases, you as the business owner, sign your name without knowing how to properly sign your name to business documents. In fact, most business owners of corporations and LLC’s still sign legally binding agreements in their individual capacity…and not as the business.

SIGN AS AN AGENT OF YOUR BUSINESS

If you have formed a corporation or an LLC, you must remember to sign all contracts, agreements, invoices, etc… as an agent of the business.

For example… Many business owners haphazardly, or perhaps inadvertently, sign legal documents like the format shown in

EXAMPLE 1 below:

EXAMPLE 1

(signature)
————————
John Doe

“But what is the consequence of signing my name like in EXAMPLE 1 above to invoices, agreements, or documents?”

EXAMPLE 1 and the above signature format legally establishes that YOU have signed the contract, invoice, loan, or agreement as an individual.

And not as an agent on behalf of your business.

If you sign your name to agreements in the form depicted in EXAMPLE 1 above, YOU could very well be liable personally to meet all of the terms of the agreement.

And you likely don’t want to do this!

Why Simply out, because you’re therefore subjecting all of your business assets and personal assets as well to the risk of a lawsuit.

If you sign agreements as depicted in EXAMPLE 1 above, YOU will very likely be named personally, as well as your business, in any lawsuit filed against the business.

Remember then:

Signing your name like in EXAMPLE 1 above DOES NOT establish that you have signed the agreement as an agent on behalf of your business.

“Okay. So how should I sign my name to my invoices, contracts, leases, loans, or any other business agreements?

What simple step can I take to protect my business, and my personal assets as well?

SIGN DOCUMENTS ONLY AS AN AGENT OF YOUR BUSINESS

Make sure that you only sign legal documents, letters, memos, invoices, loans, leases, etc… as an agent of your business.

How must I sign my name to any legal document or agreement to show that I am signing only as an agent of my business?

Follow EXAMPLE 2 below:

EXAMPLE 2

ABC CORPORATION, INC.

(signature)
———————————–
BY: John Doe
President (Company Title)

If you sign your name on the dotted line following the exact format depicted in Example 2 above, you legally establish that you are only signing as an agent on behalf of the business…and not in your individual capacity.

But you MUST follow the Example 2 precisely.

CAVEAT: Another very important point on this topic.

AVOID SIGNING documents that state “PERSONAL GUARANTY” on them.

A Personal Guaranty is usually a separate legal document attached to the main agreement. You generally see a Personal Guaranty in a loan, mortgage, or lease. However, sometimes a Personal Guaranty can be established just by the way you sign the legal document, invoice, lease, or agreement.

How?

Simple. If the agreement merely has a signature line that has your individual name on it without any reference to your business name, you are signing the document as a Personal Guaranty. You are therefore personally liable for that agreement if you sign the agreement with such a signature line.

But, what do I do if I am being required to sign a Personal Guaranty, like for a business loan or commercial lease for example?

If a Personal Guaranty is required, you or your lawyer should negotiate a limited period of time (the shortest possible) that the Personal Guaranty will bind you as an individual.

Remember, if you formed a corporation or LLC in the first place, you did it to avoid personal liability and to protect your personal assets. Anyone who does business with your company should, and usually does, know this. So, be careful. Other possibilities can be negotiated too. Just do your best not to sign in your personal capacity by signing a Personal Guaranty.

It’s important to remember to only sign legal documents, invoices, and even letters as an agent of your business. (Follow the format found in EXAMPLE 2 above).

How else can I make sure that I am signing my name properly to all of my business documents?

Call your attorney to review all of your agreements, invoices, leases, and legal documents BEFORE you sign them. Your attorney will offer sound advice that protects YOU, your loved ones, and your business.

Now, let’s review.

What’s in a name?

Well… besides your business…

…it could be all of YOUR personal and family assets!

The best advicve especially in the midst of tough economic times or a Recession, is to have any document you sign first reviewed by your lawyer or business consultant.

Copyright (c) 2008. Miguel Mendez, Jr. All rights reserved.

Visual Marketing Concepts And Visual Advertising Techniques

Advertising

When we talk about visual advertising then we are talking about a form of advertising focused on the visual perception: for advertising it’s meant every action directed to make something known and public, visual advertising is just a variant that focuses mostly on the appearance and how is perceived by the human eye and therefore the term visual comes to put in evidence this concept. What appears to the human eye is very important: let’s think for example to traffic signs and to the concepts they are able to convey and at their meanings written down, in the first case they are soon absorbed with no time spent in reading. Photos are understood also by analphabets while written things only by who is able to read. Let’s think, for example, to a magazine: where does our attention go ? On the images or on the text ? On the images is the right answer since an image is able to convey concepts and feelings in a blink of an eye. Visual advertising pays also attention to the colors that can be warm or cold and that play an important role in the image choosing process.

Images are one of the most important things on the internet that is the advertising channel of the third millenium, let’s think at when we see a website and at how our attention first focuses on the images, then on the title and last on the text: Google, in the section entitled “Webmasters/Site owners Help”, at the voice “webmaster guidelines” says “Make sure that your title elements and alt attributes are descriptive and accurate”. Really important is the ALT attribute, in which an alternative text can be specified and appears when someone moves the mouse over an image, since is put along with the title tag that is known for its primary importance: this shows how the text attached to images is important for ranking high in the SERPs. Then we want to pay attention to the images and their colors when we build our website but also out of it in external pages in which we can post images like the forums that allow to do this. Today a very used technique is article marketing that is about writing articles, including a link to our website for further informations, and sending them to the article directories that can be found by searching Google by article marketing.

PubblicitAdvertising is an article directory that allows to insert images along with descriptions, in this way more keywords will be specified making articles found by more queries. Really we can talk about Visual Article Marketing, article marketing enriched by a graphic appearance and therefore more attractive but also more powerful in conquering the top ten in the SERPs.

What Makes Mobs my Online Business Strategy Different

Business Strategy

You have probably tried at least one “get rich quick” scheme in your time. You can’t be blamed when you fall for these scams. Many of them are craftily written in order to appeal to persons who are unemployed or looking for a career change. Some of these plans may offer big money for performing menial tasks, hiding behind a guise of “take power over your own life.” While life lessons and life planning are good avenues to explore, they don’t really relate to the business at hand. The majority of work-at-home programs are involved in the affiliate network marketing business.

Before one is to choose a plan that really works, he or she must first understand the basics of the affiliate network business model. Affiliate market refers to a practice in which a business rewards an affiliate for the customers that the affiliate brings in. Business takes place because of superior marketing efforts like reward sites, cash incentives and referrals. There are four major players in this scenario: a merchant (who is the product supplier), the network, the affiliate and the customer. Sometimes there are multiple affiliate groups and other third parties involved in the deal.

In recent years, affiliate marketing is experiencing a rebirth of interest thanks to the Internet. Everyone has heard that you can make money off the Internet, but many people are still unsure of how to do that. Web tools like Search Engine Optimization, Pay-Per-Click advertising, email marketing and banner advertising have also helped to solicit interest. Some outside-the-box techniques have also paid off in marketing, such as product reviews or services offered by a partner. The essence of affiliate marketing is that you use one website to drive traffic to another website. E-retail stores depend heavily upon top-performing affiliates.

While this industry sounds great, no doubt you remain skeptical as to whether any advertised program is different from those hundreds of other affiliate network sites that promise the world. Why is Gary Gregory and his My Online Business Strategy system different than the average smooth talking guru?

Gregory’s system is built for beginners; it is a step-by-step guide of how to break into the affiliate marketing industry and how to start your own business. This program doesn’t focus on hype, nor does it review the proverbial “you can do anything you set your mind to” truths. Rather, it focuses on the mechanics of the affiliate marketing industry. It explains technical aspects in regular ordinary, conversational dialogue.

It also explains some of the most important principles in creating your own online affiliate marketing website. Within its lessons, it gives pointers on how to draw interest from casual viewers, how to show your audience what the product does, and how to distinguish ethical gurus from scam artists.

If you have ever been burned before by a get rich quick scheme, then rest assured Gary Gregory and his My Online Business Strategy system is something different. There are no promises made or any hyperbole used. What you will read is simply a thorough summary of how the affiliate marketing industry works and how you can make money by establishing your own online business. This is an industry that favors go-getters, outside-the-box thinkers and innovators. Get started in affiliate marketing the right way!

Factors To Consider When Choosing Colored Skinny Jeans

Jeans

Skinny jeans refer to the tight-fitting jeans with a tapered leg. Many women find these types of jeans very elusive because they find them looking perfect on other women, while they have to lose several pounds in order to fit into them.

Since the early 1950s, the jeans have been in and out of style, often depending on the customers’ preference at the time. In the 2000s, the skinny ones became very popular, incorporating new features including colored fabric and use of spandex or nylon with denim, which allows the jeans to stretch slightly. The following are some of the factors to consider when choosing colored skinny jeans, including:

Size

These jeans may not flatter everyone’s body size. They are best worn by people who feature a body size that is thinner than average. Usually, the tapered legs make women with medium-sized hips to look fairly large, while larger hips look quite big. The best way to wear pants is to have them fitting well in order to showcase your figure to your best advantage. Therefore, pants that feature wider legs are usually better suited for people with larger or medium hips.

Fashion

When choosing skinny jeans it is important to choose based on the trends. The jeans are available in different versions and designs, with most of these being made of denim. There are jeans are mostly designed for teenagers, younger women, mature women and men. There are also fashion trends available for pregnant women. Therefore, if you prefer wearing skinny jeans you can opt for skinny maternity jeans because they make a good choice when you are expecting.

Color

You need to choose your colors well when choosing these jeans. The right color goes a long way in complementing your skin color and your size. Generally, the darker washes appear more flattering on the plus size figure. Furthermore, darker washes are more versatile when styling. Nevertheless, the distressed jeans and light washes can be more fashion forward.

Comfort

It is important to wear pants that offer maximum comfort. The rule applies to skinny jeans as well. If you are a plus size, you can consider skinny jeans that have a blend of spandex or any other stretchy fabric, to provide a comfortable fit. Stretchy fabric makes it easy to wear and remove the jeans without much struggle. Furthermore, the stretchy fabric can accommodate well the size of your body.

How to Recognise Good Small Business Management Software

Business

Finding out which small business management software solution is right for your business can be a long road. The majority of companies that offer this will tell you that their product is the best on the market in order for you to sign up to their service. Whilst it can be very useful to take a look at marketing material for small business management software owners of businesses should know what features to look out for. Here are a few questions which will help owners and managers of small businesses to ascertain if a small business management software solution they are interested in is right for them:

How many employees can be added to the application? If you are looking at software that will only allow for 10 or 20 employees there is little room for expansion. Instead look towards software that can handle up to 50 employees.

Is the application web based? Small business management software that is web based has so many advantages over other types of software. It means that owners, managers and even employees can log on from anywhere with an internet connection and check information relating to the business or even carry out their role from another location.

Do the features on the small business management software solution do everything your business needs them to? For example if you need a quoting and invoicing tool it has to have these as standard, similarly a business needs software with integrated calendars, document storage, project planning tools and reporting features to name but a few. Without these features a small business might need to pay for other applications, which is a waste of funds.

Is the small business management software solution easy to use? If a new software package is difficult to use and navigate around it can spell big problems for a business. Not only will it take a disproportionate amount of time to train employees on how to use it, it may also be too clumsy to use effectively. It is surprising just how many businesses sign up for software that is incredibly hard to use and requires several hours worth of training per employee. To get the most from small business management software it should take around an hour for employees to get to grips with and from there they can build upon their knowledge.

Can the software grow with your business? Whilst most businesses start off small there are a large number that do not stay small. With this in mind you need software that can handle a growing customer contacts database and will allow you to add employees as you hire them.

Does the software offer you a free, no obligation trial? This is essential before you spend money signing up to any software application.

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