MIKE’S TOP OF THE LINE JOSEPH’S CONSTRUCTION YOUR AD HERE Page 6 November 6, 2014 Finance HANDYMAN SERVICES Remodeling, Pa i n t i n g, P l u m b i n g, E l e c t r i c a l , C a r p e n t r y, R o o fi n g 424-220-0102 Lic #565712 B & C33 Repair & Replace Damaged Wood Kitchen And Bath Remodeling Electrical - Plumbing - Paint - Stucco Roofing - Concrete - Fencing - Patios Reliable - Reasonable Rates - References 310-367-6024 Free Estimate, Insured, Lic#468913 Since 1985 Email to reserve your space class@heraldpublications.com YOUR AD HERE Email to reserve your space class@heraldpublications.com YOUR AD HERE Email to reserve your space class@heraldpublications.com 3 Things You Need To Know Before Starting A Home-Based Business OVER 40 THOUSAND PAPERS DELIVERED WITHIN MILES OF YOUR HOME OR BUSINESS. (BPT) - About 16 million Americans work from home - a number that Global Workplace Analytics expects will increase by 63 percent over the next five years. In fact, every 12 seconds someone starts a new home-based business in the United States, according to Business for Home. Access to new technology, increased job flexibility and a higher earning potential are just some of the reasons many entrepreneurs consider a home-based business more rewarding than the typical corporate cubical. Home-based business owners can easily engage with customers in real-time through social media channels. They can even take advantage of technological advances, such as cloud computing, video conferencing services, apps and mobile payment devices to connect with business partners and conduct business from virtually anywhere in the world. Millennials especially enjoy the idea of not worrying about the dress codes, arrival times and rush-hour traffic that come with traditional jobs. Global Workplace Analytics found that 81 percent of them expect to have a flexible work schedule, and home-based business models allow just that. Perhaps most attractively, self-employed business owners also have the potential to earn more money instead of being confined to a pre-determined salary, since higher risks can yield higher rewards. But while owning your own business and working from home offer many advantages, there are important things to consider before taking the plunge: Get established Having the initial courage to get started is often the hardest part of setting up your new business at home. Proper financing can make or break your success. While federal agencies do not provide grants for starting a home-based business, many low-interest loan programs will give you startup financing. It’s also important to decide what type of ownership is best for your business. You have many options: sole proprietorship, partnership, Limited Liability Company (LLC), corporation, S corporation, nonprofit and cooperative. The U.S. Small Business Administration notes that you must establish your business identity, as it determines which income tax return forms you have to file - income tax, self-employment tax, taxes for employers or excise taxes. Once you’ve decided how to finance your business, most states require you to register your “Doing Business As” (DBA) name, according to the U.S. Small Business Administration. For sole proprietors and partnerships, you need to register a DBA if your business is called anything other than your real name. You can register a DBA at your county clerk’s or state government office. Get in the zone Depending on where you live, zoning laws can prohibit some home-based businesses. Restrictions may limit how much of your home can be used for business, your ability to advertise with signage, parking and the number of employees. If you’re not approved to have a home-based business due to zoning ordinances, you can apply for a variance. Familiarize business region. Get covered You probably already have homeowners insurance, but it may not cover your homebased business. “The three most common coverage options for a home-based business are a Homeowners Policy Endorsement, an In-Home Business Policy and a Business Owners Policy (BOP),” says Erie Insurance Vice President and Product Manager Joe Vahey. “You might want to consider extra coverages like workers’ compensation if you have employees; disability insurance to protect your income if you’re ever injured and can’t work; and business auto insurance if you use vehicles to conduct business.” Most of the time, business insurance provides more coverage than personal insurance. An Erie Insurance agent can help assess where your coverage gaps lie, and which coverages will best protect your business. By taking the proper steps to establish a strong home-based business up front, you may reap the rewards in the end by having a secure, stable and profitable business with the flexibility and earning potential you’re looking for. • Over 40 thousand papers delivered within 20 miles of your home or business. yourself with these local rules and ordinances by checking with the public library and local government websites in your area. Depending on your business, you may need to obtain additional licensing, according to BizFilings.com. For example, if you’re a caterer, you not only need to obtain a business license, but you may need to meet Food and Drug Administration requirements. You can consult your local and state government websites to find specific requirements in your C E R T I F I E D A N D L I C E N S E D P R O F E S S I O N A L S flooring KIRK FLOORING carpet vinyl wood (310) 322-6099 Fax (310) 322-6899 lic# 648106 333 Indiana Street, El Segundo kirkflooring@socal.rr.com YOUR AD HERE Email to reserve your space class@heraldpublications.com gardening EL SEGUNDO GARDENER Licensed/Bonded All E.S. Crew, Lawn Service Clean Ups, Tree Trim, Sprinklers, Handyman, etc. CALL BRIAN 310-493-7811 310-322-7396 Lic# 100085424 handyman PHILMO HANDYMAN SERVICE One Call does it All! Over 30 Years Experience Water Heaters $150 Plus Parts Painting, Doors, Locks, Windows, New Faucets, Licensed Electrician, Toilets, Plumbing Repair, Light Fixtures, Drywall, Earthquake Valves, Water Leaks No job too small, We do all Sec 8 work 323.420.4498 323.752.3664 Cell Phone Message Center License # 145328 handyman JOSEPH’S PAINTING & HANDYMAN SERVICES Interior - Exterior - Extensive Prep Work Repairs - Remodeling - Residential - Commercial Reliable - Reasonable Rates - References Quality Work - 310-367-6024 Since 1985, Free Estimate, Insured, Lic#468913 handyman BILL’S HOME & APARTMENT MAINTENANCE CONTRACTOR QUALITY at Handyman Prices. We cover everything from A-Z. Bill Henrichon Cell: 310-890-7531 Office: 310-542-3470 Billshomeandaptmain@yahoo.com CA ST LIS# 786081 / Bonded & Insured 2011 2012 2013 Serving the South Bay for 25 years FREE ESTIMATES handyman TOUCHSTONE PAINTING • PLASTERING HANDYMAN Reasonably Priced – Referrals Upon Request 310-517-9677 30 Year Business and Resident in the South Bay YOUR AD HERE Email to reserve your space class@heraldpublications.com concrete Need A Driveway or Patio? Lindahl Concrete, Inc. Specializing in all Residential Concrete WWW.LINDAHLCONCRETE.COM Call For Estimate 310-326-6626 Lic#531387 electric Wise Electric Contracting Service Commercial/Industrial/Residential License No: 785853 Serving El Segundo since 1945 Keith R. Wise Owner/Operator Phone: 310-529-5271 Fax: 310-615-0063 design & construction handyman painting MIKE’S TOP OF THE LINE HANDYMAN SERVICES Remodeling, Pa i n t i n g, P l u m b i n g, E l e c t r i c a l , C a r p e n t r y, R o o fi n g 424-220-0102 Lic #565712 B & C33 Repair & Replace Damaged Wood painting painting PAINTERS PLUS INTERIOR • EXTERIOR PLUS IMPROVEMENTS • REPAIRS FREE ESTIMATES LOWEST PRICES • GUARANTEED QUALITY 5 YEAR FREE MAINTENANCE SERVING THE BEACH CITIES FOR OVER 20 YEARS CALL DON 310-798-0450 LIC # 726089 plumbing 24 Hour Service Since 1990 • Lic # 770059 • C-42 C-36 C-34 C20 C-10 A PLUMBING, HEATING, COOLING & ELECTRICAL Full Service Plumbing • Heating • Cooling & Electrical Sewer Video Inspection • Rooter Service • Copper Repipes 310-543-2001 Free Estimates RICH’S PAINTING Specializing in exterior Quality interior work Reliable • Reasonable Rates 310-640-9465 KEEP IT LOCAL NEW LOWER RATES! 26 weeks (6 months) is only $400 52 weeks (1 year) is only $750 If you have any questions call us at 310-322-1830. HOW TO PAY: CHECKS, CASH OR CREDIT CARDS. Include Visa or M/C number along with billing address, security code, expiration date, email address and phone number. PAYMENT MUST BE RECEIVED BEFORE AD IS PUBLISHED! The deadline for Business and Professional (B&P) Ad copy and payment is at Noon on Tuesday. We reserve the right to reject, edit, and determine proper classification of B&P ads. Herald Publications does not guarantee that the advertiser’s claims are true nor does it take responsibility for those claims. MUST HAVE CONTRACT LICENSE NUMBER IN AD. PLEASE NOTE: NEW EMAIL ADDRESS E-mail ad copy to: class@heraldpublications.com COMMUNITIES COUNT TOTAL CONCEPT DESIGN & CONSTRUCTION CCL#: 522719 Complete Renovations Outdoor Living Areas Stone Patios, Fireplaces, BBQ’s, Waterfalls & Spas, Water Wise Softscapes Website: www.TCLsouthbay.com Call: 310-371-3368 TKO PAINTING CO. INC. Knocking Out The Competition #833537 Satisfaction Guaranteed Great Competitive Prices FOR A FREE ESTIMATE Call Troy at 310-663-1672 plumbing Phone/Text 310.738.7094 El Segundo Resident 23 YEARS EXPERIENCE Sewer Video • Hydrojetting • Bonded • Insured CA LIC. #980971 plumbing Frank’s Plumbing Lic#557167 Est. 1989 Heating-Electrical • Stoppages Tankless Water Heaters KillasserKid@verizon.net 310.613.4563 YOUR AD HERE Email to reserve your space class@heraldpublications.com YOUR AD HERE Email to reserve your space class@heraldpublications.com OVER 40 THOUSAND PAPERS DELIVERED WITHIN MILES OF YOUR HOME OR BUSINESS.
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