How to Make Money By Becoming A Commercial Cleaning Consultant

March 9th, 2010 - 
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How to Make Money By Becoming A Commercial Cleaning Consultant

With a large boom of new businesses over the past 5 years cleaning consultants are making a lot of money. What is a cleaning consultant? A cleaning consultant is a person that analyzes a companies cleaning expenditures and recommends ways to save money on their cleaning expenses. A cleaning consultant can make money both from the businesses that are being analyzed and referral fees charged to cleaning companies for referrals.

Becoming a cleaning consultant is relatively easy. The first thing to do is gain knowledge about how cleaning companies work, the services they provide and current rates for cleaning in your area. If you look in the phone book there is an abundance of cleaning companies in every city nationwide. Most of these companies would gladly pay you a referral fee for a cleaning account because of fierce competition in the commercial cleaning industry today. On the opposite end most business will pay you a consulting fee for saving them money on their cleaning needs. When you have researched the commercial cleaning market in your area its time to set up a few cleaning comapanies as referral clients. The easy way to accomplish this is to pick a few smaller commercial cleaning companies who are just starting out. Set up and agree on a referral fee with these comapanies for each of the businesses that you send their way. It is advisable to choose cleaning companies that represent different areas of the cleaning market. An example of these different areas would be a cleaning company that provides basic cleaning needs, carpet cleaning companies and duct cleaning companies. Make sure to pick at least three companies in these cleaning categories so that you can have them compete for the lowest pricing possible.

After you have agreed on a referral fee from these cleaning companies its time to approach businesses that need cleaning services. A great way to approach a business is to offer a guarantee that if you don’t save them money you don’t get paid. The basic plan is to analyze what they are currently spending on their cleaning needs and suggest ways that they can save money by utilizing the cleaning companies you represent. Take a good look at every dollar they spend on cleaning including cleaning labor, janitorial supplies used for cleaning and basic sanitary supplies such as restroom products and waste management needs. Once you have made a list and priced out each of their commercial cleaning expenditures its time to create bids for the cleaning companies that you have recruited. Be detailed when submitting cleaning bids to these companies and spell out the standards of each cleaning task that is to be performed. Once they have filled out bids compare them for the lowest pricing and present the winners to the businesses that need to be cleaned.

A great extra way to make money being a cleaning consultant is to also provide sources for the cleaning and janitorial supplies that are needed for a facility. Contact local and internet janitorial supply houses for the best prices on products and make up a small catalog that you can present to both your commercial cleaning associates and the businesses that are being cleaned. Overall being a cleaning consultant is a win win situation for everybody involved with opportunities for you to make some good money also.

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0% APR Credit Cards – Tips & Tricks

December 30th, 2009 - 
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Credit cards can be considered to be one of the many basic necessities of the modern world. Credit cards are available nowadays in abundance. One type of credit card specifically is the so-called 0% APR credit card. 0% APR credit cards were introduced in the late 1980s and to this day has still proven to be one of the most sought-after credit card types available anywhere. As with all credit card types, there are a certain tips and tricks surrounding 0% APR credit cards that all potential card applicants should be made aware of.

With the help of a 0% APR credit card, it means that you need not only pay the outstanding balance; and what more you could even charge up to the limits without having to sustain any monthly interest charges. However, sometimes, one tends to think just how these credit card companies can afford to provide 0% APR credit cards, and make a profit out of it?

Although 0% APR credit cards may not comprise any monthly charges, it is sure to come with annual fees which you are obliged to pay for the privileges of a 0% APR credit card. These annual fees usually run from $15 to $20 or sometimes, even higher. Having a 0% APR credit card doesnt mean that you can pay your dues whenever and whichever way you intend to. It IS necessary to make your payments on time, or else, you will have to pay for high overdue fees. For each late payment, the 0% APR credit card holder has to pay fees that may range from $20 to $40. With habitual late payments, these meager amounts may accumulate to a hefty total!

It should be remembered that 0% APR credit cards are usually offered for only a stipulated period of time. This credit card interest may hold good for only a fixed period of time, usually ranging from 3 up to 15 months. On the completion of this period, a higher rate of interest may come in vogue, usually 12% or higher. You could easily transfer any existing credit card balances to a new 0% APR credit card to get 0% interest on the transferred balance. In this way, the credit card holder has to pay less interest for a stipulated period of time, and thus get a chance to clear outstanding balances as quickly as possible.

When applying for a 0% APR credit card, it is always better to read the terms and agreements of the credit card. Not to overstate an obvious question, but why should one do so? Simply because many credit cards may come with a default rate wherein late payments not only incur a late payment fee, but it would also include a default rate that will be added to the annual percentage rate. This in turn doubles the figures on the existing balances and on the new purchases made on the card moving forward. Ouch!

One very important point to take into account when applying for a 0% APR credit card is to read all paragraphs of the agreement, otherwise known as the fine print. This is because though it is illegal for a credit card company to hide their fees and charges, it is nonetheless legal for them to mention these points in small print! The 0% APR credit card companies thus usually announce in large and bold print about their 0% APR but hide the facts that this is only for a limited period of time and any extra fees which might be included are done so in very fine print.

Another trick that is up the sleeve of 0% APR credit card companies is to install sky-high APRs right after the amount of 0% APR balance transfers are paid down. In other words, the money you first pay to the credit card company is applied to the transfer, and any other purchases you make will be charged a high APR. Sometimes, credit card companies may also go to the extent of sending you a different card than the 0% APR credit card you had initially applied for. In this way, you are not allowed the 0% APR but a different card offer with different terms and conditions. The card issuers typically rationalize this behavior based on the card issuer determining that you do not meet the qualifications for a 0% APR credit card. Qualifications for a 0% APR credit card is usually found in the small print of the agreement, and is usually overseen by applicants!

It can thus be seen that though 0% APR credit cards do seem to be rather inviting, there are some loopholes and tricks to their use. As always, it is highly recommended to read the terms and conditions on the card application agreement for the 0% APR credit card, or any type of credit card application, thoroughly in order to avoid any future problems, headaches or financial surprises.

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0% APR Credit Cards