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Ebooks and the entrepreneur

Sat, 20 Jun 2026 23:52:38 +0900

Ebooks and the entrepreneur

Most home business opportunities are overdone and oversaturated. With most home based business opportunities that are promoted in magazine and websites the options are all the same; start a day care center, become a personal shopper, site at home and stuff enveloped and so on. While a dedicated person can make income, and sometimes great incomes, from such ideas, the market can only handle so many work at home personal shoppers. Ebooks however, are in a market that is only just starting to see entrepreneurial https://knoxgkhq085.cavandoragh.org/ebooks-and-the-entrepreneur interest. Ebook authors are starting to be called info entrepreneurs. They compile high quality information or write their own fiction ebooks and sell them online. Some people are able to secure very comfortable full time careers from this, and yes, they do it 100% from their own home. Ebook EntrepreneurshipBeing an ebook entrepreneur is no easy feat. It will require long hours of research and writing, web design and gaining a little knowledge about ecommerce. However, the payoff could be huge. And unlike many other home based businesses you wont be limited to your region. The beauty about ebooks is that you can publish them and then distribute them throughout the world. You could get orders from Indonesia, Canada, USA, France and so on. This global opportunity doesnt apply to many other work at home opportunities. Ebook Stores Dont Open & CloseAnother defining feature of Ebook Entrepreneurs is that they dont have the regular 9-5 hours of operation. You will sell ebooks while youre awake and while you sleep. Not bad huh? Most of the work that goes along with setting up an Ebook business is done in the beginning stages. This industry is front heavy, but after you set up your infrastructure you can continue to sell with very little daily maintenance.Not Just For AuthorsLikewise, ebook authorship is not just for authors. Anyone who has an interest in anything could write about their interest and convert in into an ebook. Some of the best ebooks are actually from unknown authors and some of the highest selling ebooks have been written by unknown authors who have a knack for online promotion. If nothing else, Ebook publishing it is something worth consideration. Ebooks may not replace traditional paperback books, but they certainly are gaining popularity at a rate that should make all authors stop to think about how they could use ebooks to their advantage.

The best and worst months for earning money on a

Sat, 20 Jun 2026 19:41:31 +0900

The Best And Worst Months For Earning Money On Adsense

The Best And Worst Months For Earning Money On AdsenseDo you have the google adsense code on some of your websites? Do you wonder why some months seem to make you a lot more money than others? Are you looking into ways of increasing your adsense earnings? In this article, I write about the type of events which can have a negative affect on your ability to earn money on adsense and what type of month for example you are likely to do better in.I was advised about the potential benefits of google adsense by a friend of mine, around a year ago. He suggested it could be an easy way to earn a little bit of extra cash each month without doing a great deal of work for it. I already had a couple of websites and decided to take him up on his advice. I was more than impressed with the results, the two domains in question were well established however and were quite well placed in the search engines. My friend warned me that it is not so easy to make as much money with a new site as it takes quite a long time for the search engines to trust each https://brooksxtgf284.cavandoragh.org/think-like-an-entrepreneur new site, this is where the sandbox comes in of course. I understood what he was saying but I still wanted many more sites, they would not be new forever was my attitude.A year later, I now have quite a large portfolio of websites which are mainly health related and are what are called information portals. Over the next couple of years I am planning to add a lot more sites to this portfolio as I have been very pleased with the results from adsense so far. I am not trying to say that I make enough money to retire on, but I am looking at the whole thing as a long term project, as the domains mature and with a lot more promotion of each site, I am confident that within a few years I will not only be making a lot more money on adsense but that I will have a portfolio worth thousands. It is like real estate in my eyes and there would be many people interested in taking the sites off my hands. It would give them a ready made income without having to start from scratch like I did. I have to say that there is no way that I would sell however, why would I? I suppose every man has his price though.What my friend has noticed is that in some months you earn a lot more money than in other months. There has just been a big football tournament taking place, the world cup. This is the type of event which has a negative affect on the adsense earnings. Any event or situation which is likely to resort to less people sitting in front of their computer is going to result in a drop in your adsense earnings. For these reasons August, July, June and December are likely to be the worst performing months. March, April, October and November are likely to be the best performing months.If you notice a drop in your adsense earnings over the summer months do not panic, keep promoting your site in the usual ways and just sit back and wait for the winter to begin. Enjoy the summer while it lasts of course.

How to build a successful business

Sat, 20 Jun 2026 18:56:53 +0900

How to Build A Successful Business?

Starting a business and becoming successful is often part of the American Dream. But there is a difference between starting a business and building a successful business. Many businesses fail within the first few https://brooksxtgf284.cavandoragh.org/think-like-an-entrepreneur years of existence due to the lack of planning for the long-term. There is not enough vision and there is not enough done to strengthen the business properly from the ground up.If you want to start a business there is an easy way to get a better understanding of why some businesses fail and others don’t. When starting a business think about it similar to building a house. If done right it is protecting you against any kind of storm or danger of the outside world and will last for a long time. It offers shelter and protection. For you and your business that could be translated to that you want to have a business that is able to weather economical ups and downs (=storm) and that will provide income to pay the bills (shelter and protection).When building a house there are several different steps you need to follow to have the house build. You know you want a house, but you got to pick a location and get an architect to plan everything out. In the business world that would be: you know you want to start a business, but you have to come up with a business idea and work out a business plan. The next thing for the house would be to build the foundation (and eventually the basement) for the house. In the business world – you got to build the initial infrastructure (example: connecting with vendors, find a manufacturer for your product, create a sales team, rent office space, get a delivery truck, etc.). Once that is in place you able to actually do business and earn some money. But you are not completely done yet. You need to build a frame, put in windows and you also need a roof on house. For your business this means that you pay off debt, improve business processes and get professional help when needed (example: find a tax accountant, select a payroll service, etc.).Once the house is build you probably want to fill it with furniture and make it livable for the future. Nobody wants to sleep on the floor, right. Again translating this to the business world it could mean that you invest money you earned back into your business. You buy machinery instead of leasing it. Eventually you buy a building, hire more staff, develop more products, move into new markets, build up a high cash reserve, and buy other businesses and so forth. This is often the step where winners and losers separate. Re-investing money into the business is a key factor for success. If you go and spend all the money on your own salary to buy things you have nothing to go back to when the economy slips into a recession or if disaster strikes.The successful business owner has build up a cash reserve or can borrow money from bank securing loans with the assets of the business. Going back to building a house this pretty much matches the same efforts. You pay off your mortgage and have equity available to eventually borrow against when emergency arises. Emergencies do not include paying off credit cards to use them again or to buy a car. Financially responsible you should be looking at the long term and not finance short-term goods with long-term debt.

The most unusual businesses

Sat, 20 Jun 2026 18:32:55 +0900

The Most Unusual Businesses

Since childhood I’ve had an interest in unusual businesses. I grew up with four brothers, and when it was time to vote for which television show we would watch, I sold my vote to the highest bidder. You could call that the business of politics. I collected the paper-wads that fell all over when my brothers had their wars, and then sold them back to them for a couple cents each. I was a war profiteer in the paper-wad wars. I also sold candy out of a hollow book in school.My business activities were more conventional as an adult, but I still loved to hear about and read about the more unusual businesses. Sitting around a fire in an Arizona desert, I once talked to a man who sold used stuffed animals on the side of https://paxtonzkst324.wpsuo.com/how-to-find-a-niche-market-for-work-at-home the highway. He claimed he sold $3000 worth his first month.The Most Unusual BusinessesThen there was the guy I talked to in Grand Rapids, Michigan, who collected the bodies of dead deer. The county needed the deer carcasses off the roadsides for health reasons. They contracted with this guy for $25 per body. I’m not sure how he disposed of them, but maybe his other business was providing meat to dog food companies.When I was living in Traverse City, Michigan, someone started a dog poop cleaning business. Want the dog without the responsibility of cleaning the yard? Call A-1 Pooper Scooper. I’m not sure if this would be better or worse than the dead deer collecting business.Right here in Tucson, Arizona, there is a man who takes leaves from palm trees and twists and turns them into amazing animal sculptures. He sells these for anywhere from $2 to $12 in the street. The palm-leaf scorpions are the best. He just grabs leaves from the nearest palm tree and he can sell dozens of these in a day.Unusual Online BusinessesMaybe you remember a few weird businesses from back before Ebay got all their rules. One woman made thousands per month selling used panties to fetishists. She bought new panties for her friends, who got them for free as long as they returned them to her unwashed, trading them in for the next new pair. The used and unwashed panties sold for $10 or more on Ebay auctions and they sold fast.Perhaps you have heard about the online fantasy role-playing game called “Runescape.” It has four million players now. What you might not know is that in addition to buying “virtual real estate” in the game, and earning online gold pieces, you can buy these game things for real cash. There are Runescape entrepreneurs who sell their online houses in the game for hundreds of real U.S. dollars. I think it would start to get confusing – what is real here and what isn’t?Then there was the guy in who decided last year to finance college by selling one million pixels of advertising space on his web page for a dollar per pixel. You had to buy a minimum of 100 pixels and you could have any image you wanted linking to anywhere you wanted. He succeeded in selling all one million within a few months. Maybe it’s time for me to get back into unusual businesses.

How much does a franchise cost

Sat, 20 Jun 2026 13:29:20 +0900

How Much Does A Franchise Cost

How much does a franchise cost? Of course the cost of obtaining and starting a franchise depends on several variables. For instance, the type of industry, size and location are some of the differentiating factors. However, there are some basics that you could keep in mind if you are contemplating becoming a franchisee.First of all, you will usually have to pay a franchise fee, which averages somewhere between $20,000 and $30,000. However, the fee could be less than $10,000 for businesses such as mobile and home-based businesses, or in some cases could possibly cost $100,000 or more. A few examples of these more expensive franchises include building maintenance businesses and some types of athletic training facilities.Since you are gaining the advantage of taking part in an already recognizable business name, and usually ongoing support from the franchiser as well, franchisers typically stipulate that a potential franchisee meet other financial requirements. A predetermined amount of readily available funds that are not borrowed is usually a necessity as well as a certain net worth. In order to pay for ongoing expenses that are not covered by revenue you will also need a guaranteed amount of working capital. Depending on the type of business, it is important that the working capital cover a particular length of time, ranging from a few months to possibly two to three years until the business is in full swing. The franchiser typically provides an estimate of the amount needed.Besides the franchise fee, other up front costs could include professional fees such as legal and accounting services, insurance, and operating licenses. Employee training, inventory, and equipment are usually part of the startup as well. Also plan on, rent and possible leasehold improvements, and other costs involved in setting up a retail location including the purchase of fixtures, signs, and landscaping. You may also incur grand opening and initial promotional expense to get the business going.Keep in mind that many times a higher initial investment does not necessarily mean a higher return. Often times franchises can be started with a total initial investment of less than $200,000 and sometimes even less than $50,000. Some home-based business such as handyman franchises and marketing franchises provide a decent return with little up front cash.Ongoing, you will need to be prepared to continuously pay royalties to your franchiser, possibly 4 to 6 percent of your revenue. Also, insurance (liability and health), inventory, and equipment maintenance would be continuous expenses. Of course, there will be employee salary and benefits. Additionally, you may be required to pay into a national advertising fund.Before making a decision on a franchise, it is important to obtain from the franchiser a copy of the Uniform Franchise Offering Circular (UFOC), also known as the disclosure document. The up front fees are outlined in this circular. The document should describe the initial fee which may be non-refundable as https://rylantlzx625.wpsuo.com/why-be-a-rich-jerk-when-you-can-become-hated well as the other startup costs. If there are any items that you believe might be a startup costs that are not mentioned in the disclosure, be sure to ask about them.All in all, you want to be sure your financial situation will cover expenses for you and your family during the time it takes to get the business up and running. This may take several months or a bit longer than that. Keep mind your operating expenses as well as personal expenses for the first year or two in business. In order to have the best chance of success with a franchise, it is recommended you contact a franchise consultant to discuss your goals and finances.

We are all self employed

Sat, 20 Jun 2026 12:25:47 +0900

We are all self-employed

Many people equate being self-employed with being an entrepreneur. We suggest that few of us are entrepreneurs, but all of us are self-employed. To make the distinction, let us explore the requirements of entrepreneurship.Entrepreneurship is generally characterized by some type of innovation, a significant investment, and a strategy that values expansion. The entrepreneur is often quite different in mindset from a manager, who is generally charged with using existing resources to make an existing business run well. The roles of entrepreneur and manager are not necessarily incompatible, but entrepreneurs are seldom patient enough to be good managers.Mindset of an entrepreneur It is often instructive to analyze the experiences that have formed our attitudes toward entrepreneurship. A recent study showed that 70% of business startups were by a person who had an entrepreneurial parent. The U.S. Small Business Administration has developed a Checklist for Going into Business that leads the prospective entrepreneur through a skills inventory that includes supervisory and/or managerial experience, business education, knowledge about the specific business of interest, and willingness to acquire the https://rylanjhlv802.capitaljays.com/posts/rich-jerk-are-you-absolutely-sure missing necessary skills. A commitment to filling any knowledge or experience gap is a very positive indicator of success. Personal characteristics required, according to the SBA, include leadership, decisiveness, and competitiveness. Important factors in personal style include will power, and self-discipline, comfort with the planning process, and with working with others. Can you objectively rate yourself in these dimensions?Peter F. Drucker, author of Innovation and Entrepreneurship, says that anybody from any organization can learn how to be an entrepreneur, that it is systematic work. But there is a difference between learning how to be, and succeeding as an entrepreneur. "When a person earns a degree in physics, he becomes a physicist," says Morton Kamien, a professor of entrepreneurship at Northwestern University. " But if you were to earn a degree in entrepreneurship, that wouldn’t make you an entrepreneur."We are all self-employedThe reasons commonly given for people going into business for themselves are: freedom from a work routine; being your own boss; doing what you want when you want; boredom with the current job; financial desires, and; a perceived opportunity. Which of these might be sufficient to get you to take the risk? Several yardsticks have been proposed for measuring whether a person is a likely candidate to be a successful entrepreneur, but the real challenge is in accurately applying them to ourselves. We are all self-employed; even as employees of a firm, we are still primarily personal career managers. Trends toward downsizing and outsourcing will almost certainly lead to smaller companies utilizing networks of specialists. Fortune magazine suggests that Almost everyone, up through the highest ranks of professionals, will feel increased pressure to specialize, or at least to package himself or herself as a marketable portfolio of skills.How marketable is your portfolio of skills? Many think they have several years experience, when what they really have is one years experience several times. Are you continuing to learn, and keeping up with developments in your field? The best approach to preparing for an entrepreneurial career is often to find some aspect of your field in which you can become expert.

Running a business on limited resources

Sat, 20 Jun 2026 08:41:16 +0900

Running a Business on Limited Resources.

When I first started my business, I went to the bank for a business loan. Simple enough, right? I had my business plan in order, an itemized list of everything that I would need to successfully run my business, and all the necessary documents. To put it plainly, I was turned down. Why? Not because I did not have the credit to back it up, or did not have a good business plan. The reason the bank man gave me was “because I did not understand that over 90% of businesses fail within the first year, and that I was not prepared in case mine did.”While I understand he was attempting to look out for my best interest, I felt cheated. He was not even going to give me the opportunity to fail. On some level, everyone that goes into business for themselves understand that chances are, the business will not make it past it’s first year, and I was no different. The only thing was I had faith in myself that I would not give up trying. The loan processor took that as I would spend my life savings before giving up, and he did not want to see me financially ruin myself.So what did I do? I set out on the adventure on my own, only using the limited resources and financial backing that I had. I bought second hand office supplies and furniture. I bought the small cheap laptop instead of the multi-thousand dollar computer specifically designed for what I would be doing. Without the proper money for advertising, I had to get creative. My advertising methods was unconventional, but they worked. I found that I did not need large amounts of money in order to get my business to the world.So would I have been so successful had the loan processor gave me the business loan I asked for? I am not sure, because after all, I made it without the money, what would have happened if I would have had the proper money for advertising? Whatever the case may have been, I am glad he did not, because I am not better able to understand the limited resources that many small businesses face.So how can you run your business on limited resources? Here are a few things that I learned along the way.1) New vs. Used- When starting your business, you do not need everything to be “new.” Second hand items cost substantially less then new items, and work just as well. Plus, if you think about it, customers will be more comfortable around your office if it feels “broke-in”, rather then new and sterile. It gives them the feeling that you have been in business awhile.2) Creative Advertising- You do not need the hundreds of dollars that it takes to place ads in papers or put commercials on TV. It costs very little to design and print you own flyers and put them in places where your potential clients would gather. Turn your vehicle into a moving billboard by investing in a vinyl signage for your doors or windows. The best thing? Face to Face meetings with your potential clients do not cost a penny, so look https://elliotxqdz100.theglensecret.com/walking-sticks-a-money-making-hobby for every opportunity to talk with our potential clients.3) Work At Home- Depending on your type of business, you may consider working at home rather then renting office space. This will save you a lot of money on rent and furnishing an office. Once your business becomes more successful, then you can always rent office space later.Overall, be thankful for the struggles that you go through now, because in the future, they will have been well worth it. Plus, it will give you a better understanding when it comes to other small businesses.And, no matter what, never give up on yourself.

The great ms of success

Sat, 20 Jun 2026 02:49:39 +0900

The Great Ms of Success

People who have studied successful people over the last 300 or more years have found certain traits that accounted to their achievements. These success techniques not only helped them forward but also kept them there even in times of depression, recession or other personal disasters.Four of them are The Great Ms of Success in business and life.Mentoring, Masterminding, Marketing & MotivationI have heard it repeated over and over again, “Get Yourself a Mentor.” Get help, advice and guidance by someone who has already been there and made it. A mentor can save you years to a lifetime of mistakes. They can excel you forward, in ways you never could on your own. Youll have a much greater ability to achieve your goals because you will have a blueprint to guide your way.Surprisingly, many people if not most will go to a friend or relative for advice. People who have never succeeded and have no ambition to go anywhere, and then these same people are surprised when they too don’t succeed or even get very far. Then they look for excuses and reasons outside them selves for the failures. Such as recession, location, or even competition muscling in. Accomplished people also belonged to a Mastermind group. They are people like you, entrepreneurs working towards a better life. The collective power of the group brings increased knowledge that can help you resolve challenges that you may have. They also keep you motivated and accountable. The power or synergy of the mastermind group has shown over and over its ability to help people overcome any problems. Each week, each person in the group would state what they have accomplished, what they are doing next and ask for assistance with any matters. The group as a whole then works together to come up with solutions. Discover just how powerful this is in moving you forward and achieving your desires. It also gives you the very important ability to give back to the group by helping them.A small sample of people in or were in masterminds are: Henry Ford, Firestone, Napoleon Hill, Andrew Carnegie, Anthony Robins, Mark Victor Hansen, Jack Canfield, Joe Vitale, Joel Christopher and so many more.The third M is Marketing. No matter what your business is, if you don’t market yourself or business, you won’t get very far. You can’t expect to hide under a blanket in the corner and hope that someone finds you.Marketing is more than just advertising. It’s understanding your target market and knowing how to promote to them and the benefits that your product or service will provide them. Without this knowledge, you will either not attract anyone to you or you can waste a lot of money with zero results.It pays to find people who understand this and can help guide you. They can help you define your niche’, explain copywriting and the magic of words. They can show you the difference between features and benefits and why they are so important. And they can teach you how to test everything for positive and increased results.Finally, the fourth is motivation. Motivation is the juice that keeps you going, that allows ideas to progress and persevere when times are tuff. No matter how great your product or service is, if you don’t stay motivated, you probably won’t last through the hard times.There are many ways to help you stay motivated. One is to be around others that are also moving forward. A second is to write down and post right in front of you, Why You Are Doing This. Get specific and detailed as possible. https://andreshfnq235.fotosdefrases.com/dont-stop-short-of-the-gold Then post it in front of your computer or where ever you work the most. Look at it often to remind your self why and what your motivation soar.Grasp on the marvelous Ms and jumpstart your own goals dreams and desires.

The history of hyundai

Fri, 19 Jun 2026 22:46:55 +0900

The History of Hyundai

If you live in North America, you likely are now very familiar with the Hyundai line of vehicles. Back in 1986, the first Hyundai was introduced to the market an Excel and the companys line up has changed dramatically since that time. Hyundai produces much more than cars; in fact, by the end of the last century Hyundai became one of the largest companies in the world. Lets take a look at this Korean based multinational corporation and the company behind Hyundai vehicles.It was back in 1946, just one year removed from Imperial Japans occupation of the Korean peninsula, that a new company was birthed in what is now known as South Korea. Hyundai Motor Industrial Company was founded by Chung Ju-yung, a child of northern Korean peasant farmers, and in 1947 Ju-yung launched a second company, Hyundai Civil Industries. Self educated, Ju-yung transformed the entire Korean economy with the tight control he exerted over his Hyundai companies.The first Hyundai business was tasked with building automobiles while the second Hyundai company concentrated on construction. Indeed, much of modern South Koreas infrastructure was built by Hyundai in the period after the cessation of the Korean War in 1953 and on through the 1970s. Dams, an expressway, a shipbuilding yard, and a nuclear power plant were all built by Hyundai Civil Industries, while Hyundai Motors produced cars made primarily from Japanese components. Hyundais influence stretched far beyond the Korean peninsula as the company won contracts to build an expressway in Thailand and a major port in Saudi Arabia. Clearly, Hyundai dominated the Korean market and quickly became a major player on the international scene.By the 1970s Hyundai began to build vessels as well as shipyards and by 1986 Hyundai produced its first vehicle made entirely from Korean components. From the 1980s forward Hyundai added additional specialties including the building of semiconductors and magnetic levitation trains.All hasnt been glossy for the company, however. Decades of labor problems culminating in new employee safety standards put in place from the 1990s on, tempered the Hyundai mystique. Indeed, https://jimprattheaney.com/ up to that time the company was cited for having the worst safety standards of any corporation in the industrialized world. Cars were another source of problems for what became known as the Hyundai Group. Although now manufacturing their own vehicles, the quality of Hyundai vehicles for the first decade was considered by automobile experts to be sub-par. Today, Hyundai vehicles and Hyundai parts are, for the most part, slightly above average in quality compared to the industry as a whole.With Chung Ju-yungs death in 2001, Hyundai was divided up into three separate companies: Hyundai Heavy Industries, the Hyundai Motor Group, and Hyundai Engineering and Construction. Today, all three Hyundai companies continue to compete successfully in the global marketplace thanks to the vision of a peasant farmer.

Retirement plans for solo entrepreneurs

Fri, 19 Jun 2026 14:58:55 +0900

Retirement Plans for Solo Entrepreneurs

Saving for retirement is even more important for solo-entrepreneurs because you dont have a company sponsored pension plan or matching 401K contributions to rely on. There are many retirement plans available to self employed individuals and small businesses. Which one is right for you?Here is just a sample of the retirement plans available to solo-preneurs and small businesses: Roth IRA although this is not just for solo-preneurs, this is the first place you should look to save if you are just starting to save for retirement (or resuming to save after starting a business). Roth IRAs are low-cost, very flexible, and allow you to grow money tax-free as long as you follow the distribution rules. Contributions can be made up to $4,000, and can be withdrawn at any time without tax or penalty (earnings withdrawn may be subject to penalty https://cristianpadx960.image-perth.org/the-story-behind-sloppy-kiss-cards and tax if withdrawn before age 59 and certain other conditions are not met).SEP IRA if youre maxing out your Roth IRA, and are ready to save more, a SEP IRA allows you to save up to 25% of your compensation (20% of your self-employment income) for a maximum of $44,000 per year. Contributions are tax-deductible, and SEP IRAs have low maintenance fees. Contributions can be made for employees also, but employees cannot contribute to their own SEP IRA. This is a good choice if you just have a handful of employees and are looking for a low-cost way to save for your own and your employees retirement.Simple IRA a Simple plan offers many of the benefits of a 401K, but with less IRS reporting requirements. You can contribute up to $10,000 to a Simple IRA, with an employer match of up to 3%. Contributions are tax-deductible, and Simple IRAs also enjoy low annual fees. Employees are allowed to contribute to Simple plans, and a company match is mandatory. If you have a lower salary (or self-employment income) in your small business, a Simple IRA allows you to put more away towards your retirement than other plans.Solo 401K for small businesses with no employees, the solo-401K allows you to put the maximum amount away, with less cost and less reporting requirements than a traditional 401K. Similar to a SEP IRA, contributions max out at $44,000. However, unlike a SEP IRA, participants in a Solo-401K can contribute up to 100% of the first $15,000 of compensation or self-employment income, and an additional amount up to 25% of your compensation. This is important because it allows you to save substantially more than a SEP IRA, if your compensation is less than $220,000 per year. A solo-401K is not appropriate for small business with employees or expecting to add employees.Theres no one best plan for all small businesses. The best plan for you will depend on many factors, such as whether you have employees or not, how much you want to contribute each year, how much time you want to spend administering the plan, etc. To get more information about small business retirement plans, contact a no-load mutual fund company, a discount brokerage company or a fee-only financial planner.