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business gettos'..... get it right,get it cheap

       In this section we have tried to bring you the deals which are very interesting and useful for the business. These deals are not going to be published day to day basis instead will sort and give you the best deals during a period of time. The idea behind is to give the small business and any business a viable way of saving some money. We all know that it is ideal to keep some money in the pocket and help to operate within the budget at all the times. We have included some business tools which can be useful and let me know if you think anything will be useful to the business community.

American Express Open Business Credit Card. This is an excellent card. It has online fraud protection , extended warranty on the product and also price match option. Plus you get discounts at Cingular Wireless®, Dell™, Exxon and Mobil stations, FedEx®, Hertz, The Hilton® Family of Hotels, Kinko's®, Nextel, Qwest® and Staples® . Plus you get a quarterly bill management spending by each employee which I think no other credit card provides.

Special Benefits

• First year free-No annual fee for the first year for Basic and Additional Cards**
• No pre-set spending limit or finance charges
• Separate business from personal expenses, and day-to-day expenses from balances you want to pay over time
• Quarterly Management Reports-Track business expenses by category and employee-so it's easy to manage your company's expenses
• Everyday Savings-Receive exclusive savings on your everyday business expenses at Cingular Wireless®, Dell™, Exxon and Mobil stations, FedEx®, Hertz, The Hilton Family of Hotels, Kinko's®, Nextel, Qwest®, and Staples®. Calculate what you can save.
• Savings Offer ZoneSM-Save up to 20% on office supplies, corporate gifts, and more when you visit the Offer Zone. Hertz #1 Club Gold®-Save time and enjoy priority service with a free membership - a $50 value.
• Membership Rewards® program - When you enroll in the Membership Rewards program, you earn points virtually every time you use your eligible, enrolled Business Card. Points can be redeemed for travel, merchandise and other rewards for you or your business, and can also be a great way to save your company money.

Insurance - Errors and Ommissions Coverage...often overlooked by professionals.

Errors and omissions coverage -- also commonly called professional liability insurance -- is the equivalent of "product liability" coverage for services professions. Many large companies do not sell it directly with the obvious reason that it should be evaluated for underwriting. It is designed to protect you financially in the case of a claim against you for negligence, errors, omissions, or wrongful acts in the performance of your duties. It includes coverage for malpractice, errors, and omissions. Some states and professions require this coverage by law; for example, doctors are required to carry malpractice insurance, which is a form of professional liability coverage. In other cases, companies you do business with will require you to have it. For instance, computer consultants bidding for corporate contracts often must prove they have errors and omissions coverage, since errors in their work can put a corporation's computer system out of commission. It is also a common requirement in government services contracts. Even if you are not mandated to have it, it is wise to carry a policy if the service you provide could inadvertently harm another person. The professions for which it is recommended or required include, but are not limited to, computer technicians, systems analysts, accountants, hairdressers, lawyers, and consultants. Remember to err is human and to forgive may be divine but better have an insurnace if you are not forgiven. Every state rule is different for professional insurance. The first place to search would be in the yellow pages. Try these sites also for more information.

• www.americanprofessional.com
• www.hcp-insurance.com <---Health Professionals
• www.techinsurance.com <--- Technical People
• www.techshield.com       <-- Technical Professinals

Using Accounting Software to keep track of the records.

Most of the top small business accounting programs offer basic inventory tracking features that should meet your needs. For example both QuickBooks (from Intuit) and Peachtree Accounting (from Peachtree Software) both have features that let you record and track your company's inventory. If one is not currently using accounting software, it would be recommend that you speak with your accountant or financial advisor to see what he/she recommends for your business. You'll want a solution that is easy to use, but is still powerful enough to meet the current and future needs of your business. It should also be a program that your CPA supports, so that it will be easy for you to exchange financial information with this professional. Below is some accounting softwares which is useful and are at good price.

Quickbooks comes in four flavors. The one which is very useful with full accountant capability runs around $499/-. If you are only going to use for recording transasctions Quickbook basic is a good solution. It is around 179/- with free shipping.

Anothe competitor is Peachtree accounting. This is also comparable and good software to keep your accounting. Peachtree's first accounting is around $99.00 + free shipping which is pretty good value for small business owners. Other versions of Peachtree are Peachtree® Accounting 2003,Peachtree® Complete Accounting 2003 which are around $199.99 and $299.99 respectively.

More to come.... Please visit again.