Resume Tips

When looking for a telecommuting position, it is very important to have your resume in tip-top shape. This is often the only thing that a potential employer has to base a hiring decision on since they most likely will not be interviewing you in person, your resume has to make that great first impression for you.

When your resume comes across the fax line or is opened in an email, it needs to be presented as professionally as possible. Besides the obvious typos and misuse of words, your resume needs to be highly organized and make a great impression as quickly as it reaches your potential employers hands. With some organizational skills and a little work your resume can be the one that stands out.

Where should you start, I would suggest starting with a list of your skills. Most people would probably not start in that manner but I think that it gives you a more positive basis to work from. When I speak of skills, I don't just mean how many words you type or that you can operate a hundred programs on your computer. Use skills from volunteering with every organization from the school PTO to your church. You might be surprised when you really stop and think of everything that you learned while being an officer in the PTO or organizing the volunteers for the Little League concession stand. All of these are skills can be effectively used when organizing your resume. Not only do they require leadership and organizational skills but an ability to work well with others.

Now that you have your skills listed, you should be pretty proud of yourself. Sometimes making a list of your attributes is the hardest part. We should all know what year we graduated and when we finally got the nerve to resign from that dreaded 9-5 office position.

Next, I would recommend making a list of all previous positions with your job title as well as a brief description. Make sure that you use some "key words" that will easily grab the attention of the eyes scanning your resume. If you don't have a solid work history , I would recommend a functional resume format. The functional format highlights your skills rather than the time line of your work history.

Remember to see your resume as a marketing tool. On a billboard you only get a few key words to catch the attention of the traffic speeding by. Your resume needs to serve the same purpose. It needs to spark the interest of the potential employer so that they will want to know more about you and your assets. That is how you land the interview.

Make Your Fortune as a Professional Finder

Have you considered the lucrative opportunity in finder`s fees? You could become a professional finder and earn a fortune from this alone. Alternatively, you could supplement your present income with finder`s fees.

A finder is someone who finds something for a person or business. The amount paid for this service is called a finder`s fee.

What is the difference between a finder and a broker or commissioned salesperson?

A broker or commissioned salesperson gets paid a percentage of the sale made. Usually, such person acts as an agent for the owner of the goods or services sold. He becomes actively engaged with the sales process, supplying information to facilitate the sale, negotiates the contract, arranges financing, and completes paper work.

On the other hand, a finder simply introduces a buyer to a seller for a fee. He does not become involved in the sales process and is not an agent acting on behalf of the seller.

The best areas to earn finder`s fees are those in which you already have expertise and interest. For example, if you are an expert on airplanes and have connections in the aviation industry, you could earn finder`s fees finding suitable planes for those needing them.

You can earn finder`s fees in many areas including equipment (used or new), equipment leasing, finding locations for franchises or vending, scarce materials, commodities, financing, et cetera.

Connections are the inventory of a finder. You are being paid to find something of value by someone who doesn`t know where (or doesn`t have the time) to find it. Your knowledge of where and who to get something from is invaluable information that people are willing to pay for.

Protect yourself with written contracts. Also, document all efforts you have made to earn your finder`s fee.

Before you introduce a buyer to a seller, have the seller acknowledge in writing that they have agreed to pay you a finder`s fee of so much upon successful completion of a sale. After obtaining a properly executed written contract (which may be a simple one page letter agreement), inform the person by written correspondence (sent by registered mail) about the buyer. Keep all copies of correspondence and other written documentation in case it becomes necessary to enforce your rights later. Proper documentation should help you to avoid any misunderstandings.

Just as the business that sells something pays its sales staff, likewise the seller generally pays the finder`s fee. The seller is the one that makes a profit from the sale and so usually is the one that pays commissions or finder`s fees.

However, if a buyer is particularly anxious to buy something, he might offer a finder`s fee. Therefore, it is possible to collect such fees from either the seller or the buyer.

It is possible to find finder`s fees opportunities offered in magazines, newspapers, and newsletters. You can find additional opportunities by doing your own research. Use your contacts, reference and phone books at the library, the Internet, persons you know (or don`t know) who might have the information you need, as well as other sources to find what is needed.

For example, if someone tells you they can`t find a pilot with an airplane outfitted with geophysical survey equipment, have you considered talking to airport employees, pilots, business acquaintances, exploration companies and manufacturers?

Make sure that all your communications and dealings (telephone, correspondence, letterheads, contracts, et cetera) reflect the professional nature of your business.

You must be willing to do the necessary legwork and research required to earn your finder`s fee. As well, you must project a business-like, professional image and protect yourself with written contracts and other documentation. Above all, you must follow through and diligently apply what you have learned. In that way, you, too, will become a highly paid professional finder.

Rearrange Your Affairs For Maximum Tax Savings

One way to maximize your business profits is by reducing your taxes. Frequently, income and other taxes could be lowered significantly if only the taxpayer were willing to plan ahead. By taking some simple steps to rearrange your affairs, you could save a fortune!

1. Are You Splitting Your Business Income?

You may pay reasonable salaries to spouse or children through your incorporated or unincorporated business. If you are not doing so, you may be missing out on some real tax savings.

In the Canadian Federal Budget of February 16, 1999, measures were introduced to discourage income splitting with minor children through family trusts. However, these measures do not apply to paying reasonable wages to family members. Thus, this may be one of the last ways of legally splitting income left for the small business person with minor children.

Obviously, the amounts paid must bear some relationship to the work performed. Of course, all required payroll taxes should be remitted and proper records need to be maintained.

Why not rearrange your affairs so that family members with little or no income can perform duties for and be paid by your business? Then, they can contribute out of their own income towards the operation of the household. In this way, little or no tax will be paid by your dependants and you will have successfully shifted taxable income out of your hands.

2. Should You Register For The Goods And Services Tax?

Even if your business grosses less than $30,000.00 per year in taxable sales, you may still benefit by registering your business to collect the Goods and Services Tax (G.S.T.). If you are not doing so, you may be missing out on some real tax savings.

For example, you will be paying G.S.T. on many of your business expenses. If not registered for G.S.T., you must absorb this cost. If registered, you may deduct the G.S.T. paid on such business expenses (input tax credits) from the tax collected. Many business persons expect to pay G.S.T. and it doesn`t really cost them anything since they deduct such amounts as input tax credits from the G.S.T. they collect from their customers.

In some cases, the quick method of calculating G.S.T. may actually allow you to retain more of the G.S.T. collected than you would have just claiming the G.S.T. actually paid by you.

A factor to consider also: If you are not registered for G.S.T. in Canada, you are telling your clients that you do under $30,000.00 per year in taxable sales or that you cheat. Is this the image you want your clients to have?

3. Could You Benefit From Incorporating Your Business?

Although incorporating your business may result in increased accounting and legal fees (for setup, extra tax returns, and annual minutes), the advantages of incorporation may justify this added expense. Not only will you enjoy limited liability by incorporating, but you may reap significant tax savings as well.

Corporations are often subject to lower tax rates on small business income. In Canada, sales of shares of qualifying small business corporations can obtain a lifetime $500,000.00 capital gains exemption. Certain tax incentives and government programs are only available to incorporated entities. Additionally, corporations can be used for income-splitting and estate, retirement, and succession planning objectives.

4. Do You Engage in Tax Planning Year-Round?

Some people only worry about their taxes during tax season. However, you will save a fortune in taxes, legally, if you make tax planning your year-round concern.

Can you make some changes to turn your hobby into a moneymaking business? Can you use that extra room in your house as a home office for your business? Can you arrange to use your car more for business purposes and have you documented your business use mileage? Can you arrange for more of your entertainment expenses to be business related and have you listed the business purpose on the back of each receipt?

Do you make business and personal purchases, investments, and other expenditures with tax savings in mind. Do you document your expenses well so that you they would survive a tax audit? Whenever you are faced with a business or personal financial decision, do you consider the tax consequences?

Make year-round tax planning part of your business management mindset and, thus, enjoy maximum tax savings. Yes, by rearranging your affairs to account for tax implications, you will save a fortune in taxes.