Profitable Tips Every Restaurant Owner Should Know

Doing the right things to ensure your restaurant is profitable should always be your top priority as a manager or owner. But sometimes, we can be overly giving, which can quickly plummet revenue. You have to think as a business owner, which means keeping an eye on credit card fees, growing food prices, fickle markets and so on. To help you stay on the right track with your profits, here are a couple of tips to keep in mind:

  • Avoid automatically serving up water. Giving out water to your customers without them asking could prevent them from ordering other drinks, like alcohol, sodas, milk, tea and so on.
  • Tactfully promote profitable items when guests first sit down. Have servers recommend complementary, yet profitable items with the guests’ orders.
  • Keep watch of how much is being thrown away or given out for free. You’ll likely find small items like crackers, butters, creamers, jelly and iced tea lemons are disappearing too fast. These are cheap, but can quickly add up.
  • Add items to your menu that are profitable. Aside from having your waiters promote your most profitable food choices (based on market conditions), you should also include them on your menus. Remember, your menus are your number one selling tool.
  • Buy important items in bulk. Having a reliable supplier that offers bulk deals is important for every restaurant business. This gives you the chance to save money and prevent the need to order multiple times out the month.
  • Bundle together meal parts, such as the appetizer, salad and entree. Having these combos will improve guests’ dining experience and maximize money spent.

With these simple tips, you can easily increase your revenue and cut back on unnecessary spending.

How to make money online without any investments?

There are two ways to balance your budget – either through saving by spending less or by making some extra cash each month to cover for your expenses. Saving might sound easier, but often you realize that you are already at the limit, and you can’t afford to reduce your spending any more. If this is the case, there is nothing left but to make an extra buck. Some methods need an initial investment – like getting involved in a multi level marketing scheme or starting to trade Forex from home – but there are others that don’t. I will try to present some of these below.

1. Write articles and sell them

There are so many blogs and other websites out there, with one thing in common – they need quality content to grow. The content for personal blogs is written by their authors, but there are niche blogs – publications that focus on a specific topic – that often call on outsiders to provide the much needed articles. This is where you come in. Choose a topic – preferably one that you are well informed about – and create articles about it. Personal finance, business, investments, home improvements and DIY decorations or life hacks – these are popular topics nowadays.

If your articles are good enough, you will be able to sell them through various venues – websites like Fiverr, Gigbucks or Dollar3 for example, that allow you to sell your products or services for a specific amount. Take a look, gather some ideas and get started. And when you have the funds, you can create your own website and take things to the next level.

2. Take surveys for cash

This will not make you huge amounts of money, but surely beats mobile casino games when it comes to profits. Companies are always in need of feedback from their customers – you, me, anyone else. This is why they hire market research companies that are able to provide them with the much needed information, and these companies will happily pay you for your opinion. Depending on the length and complexity of a survey, you can earn between a few cents and a few bucks for each. It will not make you rich, but in the long run it can provide you with enough extra income to invest in something more fruitful.

Sometimes the companies don’t pay you in cash, but in coupons or products. Coupons can be used for saving cash when shopping, while the products – if you don’t need them – can be sold, adding a few extra bucks to your monthly budget.

Beginner’s Guide To Forex Trading

Trading on the foreign exchange markets, better known as Forex trading, is one of the most popular in the world and has probably benefited more than any other market from the trading allowed to smaller investors by the Internet. Forex trading basically means that foreign currency is bought and sold by a trader in the hope that a movement in the foreign exchange market will increase the value of a specific currency over another. The advent of 24 hour trading that has taken place since the Internet brought investing into the homes of everybody and everybody with an Internet connection has led to trades being made on currencies from around the World.

One of the major reasons the Forex market has become so popular with traders from around the World is the fact it has become one of the least volatile available, with an average movement each day of less than 1 percent for most currencies. The lack of volatility means these markets can be used for both long and short term investments that had, in the past, made this market one of the most important for large investors, such as banks, hedge funds and mega rich individual investors.

In Forex trading, the investor purchases an amount of currency in the hope that they will later be able to sell it for a profit, which means the invested money can be moved between different currencies to build a profit over time. The market is also one of the simplest to gauge as the investments made on a large or small scale have little impact on a day to day basis. Even the largest investment made by banks and hedge funds can only move the value of a currency by a small amount, movements are instead largely based on the long term prediction of the state of the overall economy in a specific country.

The investments made in Forex trading can be done for any length of time, with some investors moving their funds around in just minutes to look for a major profit. Others gamble that a currency will rise over the future months and take a long term view of Forex trading.

Don’t Order Your Checks From The Bank

In order to save some money there is a great option for you.  It won’t cause you any suffering due to the savings, meaning, I am not telling you to stop eating out or to sell your prized possessions.  All I am telling you do it start ordering your personal checks and business checks online! It’s that simple.  You were probably expecting something big.  While it is something small and you won’t be saving tons, it’s something easy to do so why not make the move.  No, you won’t be able to quit your day job with this kind of move, but it’s a start for your savings and it’s without breaking into any sort of sweat.

So many of us are used to doing what we have been doing for years, therefore we don’t put much thought as to why we go about doing certain things.  A good example of this how you go about getting your checks.  Before just about everything was so easily accessible online, if you wanted checks you called up your local bank and ordered them.  Now there is a far better option.  So even if you have been ordering checks for the last twenty years from the bank, I’m telling you that you are far better off buying your checks online.  The main reason, as I mentioned earlier is the savings that you will find with buying your checks online.  When you buy checks online you are buying straight from the check printers themselves.  When you buy checks from the bank on the other hand, you are paying the bank to take your checks to the checks printer.  The bank offers you checks as a service to you, but they are really not in the business of printing checks.  Therefore when you purchase checks through them, they cost you more because you are paying the middleman too. This may not save you big bucks, but you will be saving with only increased benefits, quicker turnaround time, customized checks, QuickBooks checks and so much more.

3 Steps to Improve Your Chance of Qualifying for a Home Loan

Preparing to buy a home can be exciting as well as frustrating and intimidating. Of course, looking at homes and imagining your family living there is the exciting part. Dealing with the financial aspect, though, can be both frustrating and intimidating.

If you’re planning to buy a home in the next few years, here are some things you may want to do to spruce up your financial standing and look more attractive to a lender such as Newcastle Permanent or another bank you may choose to work with:

1. Clean up your credit report. Order your credit report for free and check it carefully. Most credit reports contain errors. You may find that your name is spelled wrong, or a creditor shows that you still have an outstanding balance when you’ve actually paid off the debt.

You’ll need to go through the process of requesting a change in your credit report as well as including proof of the change you are requesting. Do this at least 6 to 12 months in advance of applying for your home loan so you can have the highest credit score possible.

2. Pay down your debts. You’ll have a better chance of securing a loan with a low debt to credit ratio. Try to pay off all outstanding credit cards. If you can pay off other debt like student loan debt, that will help, too. Not only is this a smart move to get the loan, but also to afford a home in general.

3. Save as much as you can for the down payment. Aim to save 10 to 20% of the home’s purchase price for the down payment. The more you can save, the better the financial benefits, especially if you can save 20% and avoid paying costly private mortgage insurance.

Preparing to buy a house is exciting, but before you even begin to look for a property, you must first take the steps to make your finances as solid as possible. You should begin doing this one to three years before you actually plan to buy a home.

The Role of Patience in Spread Betting

With spread betting in the UK, all too often, traders aimlessly jump in and out of trades, hoping that this is the one that will make them rich, and when this fails to occur, they repeat the process endlessly. This is gambling, not trading. It can be contrasted with an archer who has trained themselves to focus only on the little red circle at the center of the board. Anything outside the circle is ignored. He pulls back his bowstring then pauses before releasing the arrow. The archer is poised and calm, concentrating so deeply that he is oblivious to the noise of the audience. Discipline is required to achieve this state.

Every trade is like an arrow and requires much preparation and focus. Each must receive the attention it needs to become a winning trade. When you are poised to make a trade, you should ignore all distractions and focus on the trade. Once a trade has been initiated, you should focus on the exit point. Each trade should be treated individually.

The best athletes are those who train the hardest. A trade must know their market. They must know its stability, liquidity and volatility and so understand what affects prices, for instance, world events, corporate events such as CEO appointments and economic data. A sudden rise in crude oil prices will exert downward pressure on shares in British Airways. Fastidious research is necessary. Fortuitously, bets can be placed on all manner of things, so you could well find something of which you know. As Joshua Raymond, a market strategist for City Index, said, there are more than 15,000 markets on which you can trade, so you should choose a market you understand. Knowing your market is one of his top five pieces of advice for traders. Charting tools and common-or-garden news can be useful. You may need to become familiar with particular countries. It will be easier to know your market if you specialize.

You should never trade for the sake of it. Even if you do not trade, you will have been watching the markets and learning and not losing money. There will always be another trading opportunity. Sometimes, the best thing you can do is nothing. Even the best traders sometimes lose, but focusing on a trading plan as described here will help you to trade without stress.

Squeezing the Most Out of Your Auto Insurance

One must always have auto insurance if he or she expects to drive on public highways legally. Whether it’s AARP insurance or any other coverage, it is vital that you take steps that will help you reduce your car insurance premium. Taking these steps can help you reduce your premium by at least thirty percent. Let’s examine three steps that  will assist you in getting the best deal with an automobile insurance company when you check auto insurance quotes and rates.

Auto Insurance Quotes

A reputable insurance company will always be more than happy to give you a quote over the telephone. You should get several price quotes from insurance companies in your area. This simple step will can assist you in securing the best deal for your budget. This simple step will also allow you to see if your present insurance company has your best interest in mind.

Car Insurance Calculator

A car insurance calculator can help you compute the total costs of your car insurance. You can purchase this special calculator in a retail store. You also have the option of using a free online car insurance calculator. Using this calculator can help you select or dismiss benefits within your package.

Ask for Discounts

Reputable insurance companies are well-known for offering discounts to their favorite customers. For example, you may be given a discount for being a safe driver over a specified period of time. You may also be given a discount if you have an anti-theft device on your car. Asking for discounts can put you in a position to reduce your monthly premium significantly.

It is mandatory for you to have auto insurance in order to drive legally on public roads. It is important for you to take steps that can help you save money on your auto insurance. Following the three steps listed above can help you get a good deal on your car insurance.

Enjoy an Early St. Patrick’s Day

With the weather getting a little cooler across the country, I’ve had a hankering for some very distinct cuisine. I’m been craving all that is Irish, and so I thought it would be great to celebrate an early St. Patrick’s Day this next weekend. Here are some things to think about when celebrating!

Enjoy Some Beer

I’m a big fan of beer. But, sometimes Guinness just isn’t what you want to drink because it is so heavy. There are actually a lot of choices when it comes to Irish beers that are good to drink during your early St. Patrick’s Day festival. For example, you enjoy Beamish Irish Stout, Murphy’s Irish Stout, Ohara’s Celtic Stout, Porterhouse Oyster Stout, Harp Lager, Kilkenny Irish Cream Ale, Murphy’s Irish Red, Smithwick’s Irish Ale, and more! Try some out!

Eat Like You’re Irish

What I’ve really been craving, beyond the beer, is the food. Irish fare is a great thing to have when it starts getting a little cold outside. I love the traditional favorites like corned beef and cabbage, or just having corned beef with just about anything.

If you want to enjoy some Irish food, you should try one of these classics: corned beef and cabbage, herb dumpling stew, reuben casserole, lamb stew, Irish stew, or Shepherd’s Pie.

You can also try a variation on traditional corned beef by making it in a crockpot, or even making a corned beef bake.

Listen to Some Irish-Inspired Music

Finally, you should always consider listening to some Irish music if you want to have a good time when you’re enjoying your Irish beer and eating your Irish fare. I’m a big fan right now of Mumford and Sons, and I’m even considering getting Mumford and Sons tickets to an upcoming show to enjoy them even more. There is nothing better than enjoying a Guinness or other beer and listening to some great Irish tunes!

Things to Consider When Buying a New Car

Buying a new car can be a fun, yet challenging, experience. There is nothing like sitting in a new car and smelling the fresh leather of the interior. However, it can be tough buying a car because you have a sales person hovering by you saying anything they can to make the deal happen. Here are some things to consider if you’re in the market for a new car.

Negotiate The Price

The first thing you have to do when buying a new car is negotiate, negotiate, negotiate. Everything is negotiable, and don’t think you have to fall for the sales person’s car offers. I suggest that you only offer out the price you are willing to pay,
not what the dealer wants you to pay. And make sure you negotiate on price, not other features, like financing.

Be Smart About Financing

Speaking of finance, make sure that you are being smart about the financing deal. Many dealers and car salesmen will pitch you on a monthly payment – but that may not be a great deal. Salesmen know they can get to any monthly payment, but they do it by stretching out the loan, charging higher interest rates, or more. The bottom line is that you, as the buyer, probably don’t get the best deal.

Don’t think you have to get a car loan from the dealer either. In fact, many banks and credit unions have great offers on car loans right now, so you should shop around to make sure that you get the best loan terms possible.

Don’t Fall For Extras

Finally, don’t fall for the extra add-ons the salesman will try to sell you. These include longer warranties, scratch protection on the paint, or more. First, many of these you don’t really need, especially when it comes to the warranty. Second, for
the other add-ons, if you do want them you will probably get a better price doing it yourself at an after-market shop than the dealership, which will charge you more.

How online gaming can help you save

With the level of debt rising continually over the last decade it is no surprise that people are looking for ways to cut back on costs and save wherever possible. The continual challenge for consumers to make ends meet and not incur unnecessary debt have led to people looking for new ways to enjoy entertainment and save on an aspect that could be considered a luxury and not a necessity.

Keeping finances healthy is now factored into many people’s daily lives, and new ways to save are always welcomed. By trying your hand at online gaming you will discover you can save a considerable amount of money and enhance your financial situation whilst still enjoying quality recreational time.

Free games online

Part of the attraction of many online games is the fact that they can be enjoyed absolutely free. Online casinos like RiverBelle offer all their games as free versions that can be enjoyed with no obligations. Arcade style games are also often available free and favorites such as Pac man can easily be found online. Another very popular online genre are RPG and MMO games, and these games often charge players a nominal monthly fee of a few dollars to join the live servers. You can save a large amount of money by playing these free games, replacing costly entertainment options with entertainment that won’t break the bank.

Reduce expenses

Entertainment expenses are never limited to simply just enjoying a movie, or going out for a meal. Factor in the petrol that it takes for you to drive to your intended location, the parking, entrance or ticket fee, food and beverages and other sundry expenses such as renting bowling shoes or tipping waiting staff. By enjoying online games in the comfort of your own home you have eliminated all of these expenses ad still have access to top quality gaming and world class entertainment. The savings will add up incrementally and before long you will have reduced your entertainment costs by more than half.

Finally, all that is required for you to enjoy online games is a stable internet connection and PC or mobile device that allows you to access the games in compatible format. Add up how much you save on a monthly basis and compare it to how much you have spent in the past to really see results.