What to do When You receive a Bad Check

Written by Stephen Bucaro


---------------------------------------------------------- Permission is granted forrepparttar below article to forward, reprint, distribute, use for ezine, newsletter, website, offer as free bonus or part of a product for sale as long as no changes are made andrepparttar 116663 byline, copyright, andrepparttar 116664 resource box below is included. ----------------------------------------------------------

What to do When You receive a Bad Check

By Stephen Bucaro

As a small business operator, personal checks may be one method to receive payment for your goods or services. As a way to receive payment, a personal check is actually better than credit cards becauserepparttar 116665 fees are less and there can be no charge back.

Fortunately, most people are honest and studious in taking care of their checking account. But sooner or later every small business operator will receive a bad check. The first thing to do is politely contactrepparttar 116666 individual and give them an opportunity to makerepparttar 116667 check good.

Most times you'll find thatrepparttar 116668 customer has simply been careless with their checking account or finances. They will probably be embarrassed aboutrepparttar 116669 incident and will immediately replacerepparttar 116670 check with a good one. Unfortunately, there are rare occasions whenrepparttar 116671 individual who gave yourepparttar 116672 bad check decides to make themselves scarce.

Note: If a personal check is for more than a few dollars, it's best to letrepparttar 116673 check clear before deliveringrepparttar 116674 product or service. Say, for example, that someone wants to buy your car with a personal check for twice whatrepparttar 116675 car's worth. Remember, a check is just a piece of paper until after it clears. They can return to pick uprepparttar 116676 car afterrepparttar 116677 check clears, or you can offer to drive withrepparttar 116678 individual to their bank to getrepparttar 116679 cash.

There are three reasons why a personal check may not clear: "insufficient funds", "account closed", or "stop payment". The proper action to take depends upon whyrepparttar 116680 check didn't clear. Ifrepparttar 116681 check is returned for "insufficient funds", and you can't locaterepparttar 116682 individual who wroterepparttar 116683 check, file a crime report at your local police station. If a police investigator can locaterepparttar 116684 individual who passedrepparttar 116685 bad check, that individual will be required to pay you and/or spend some time behind bars.

Getting Started Selling Your Crafts

Written by Eileen Bergen


Getting Started Selling Your Crafts By Eileen Bergen The Artful Crafter www.theartfulcrafter.com

Until recently crafts were usually sold locally or, at best, regionally. Now you literally haverepparttar whole world at your fingertips! Some of you may choose a gradual progression from selling to friends, to selling at fairs and shows, to retail selling … and so on. Others may decide to jump directly from selling within their circle of friends torepparttar 116662 worldwide Internet market –repparttar 116663 costs are low enough that this is surprisingly doable.

My first career was as a special education teacher. After 15 years of teaching I earned an MBA degree followed by CFA (Certified Financial Analyst) certification. After 15 years in finance I was a vice-president and portfolio manager of a major insurance company before I was downsized. Tired ofrepparttar 116664 rat race, I opted for early retirement. Looking for something to do with all my free time, I started crafting and am now making a nice supplemental income from it.

As a crafter and a businesswoman, I feel I have some valuable insights intorepparttar 116665 craft business that I can share with you.

Getting Organized to Sell Your Crafts for Profit

At some point in your progression from crafting for fun to crafting for fun and profit, you go from handcrafting individual items for yourself and friends to filling quantity orders for a broader marketplace. That’srepparttar 116666 time to take a very business-like approach to your craft business. This needn’t be daunting. You don’t need an MBA or management experience – just a bit of common sense. If you’re going to do this for profit, you need to under- stand The Four M’s:

1. Meet your market; 2. Minimize your costs; 3. Maximize your selling price; and 4. Marketrepparttar 116667 heck out of your product.

Simple, right? But very few people get it. Look atrepparttar 116668 high failure rate for new businesses. It takes effort to be successful, butrepparttar 116669 task is hardly impossible.

Traditional craft retailing methods are what most crafters use to get started. They'rerepparttar 116670 easiest way, especially if you don't know if anyone will buy what you make.

I believe that there is a market for any well-made craft, whether decorative or useful. In this era of mass production, when it seems that every store in every mall sellsrepparttar 116671 same things, hand- made, unique or handy crafts are more appreciated than ever.

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