The question based on the manager’s recent annual personnel review: he was told that they was obviously a extremely powerful manager yet not as good as they expected.

Exactly what does it mean?

To ensure that us to buy the very center on the feedback he got, I’ll explain the terms ‘efficient’ and ‘effective’, usually indexed in management textbooks, by with regards to various activities and situations. Besides businesspersons or managers, but whoever is engaged in the processes of planning, organizing, managing and monitoring, contains a long practical expertise in theses terms.

This ‘anyone’ could be, besides you, many. And here are just some situations: a housewife that runs family members affairs, each student that is going to be tested and graded as well as a retired civil servant who manages your budget while saving what he or she can for a rainy day. I have listed examples.

So here is some information in scientific and precise language now:

Efficiency – is ‘to perform the things right’; to be accurate, calculated and structured using the up-to-date procedure, to have the top yield whatsoever amount of invested resource or effort. When you finally run your shop, house or life in efficient mode, you capture the volume of waste to get on your desired output while spending the least level of input.

Here are a few daily examples: the manager should calculate which activities can be efficiently done in-house and what can far superior out-sourced in an effort to reduce costs. Snappy mother must determine, working around a plan, what route(s) to lower off 3 or 4 kids active in lots of sport or social clubs in numerous aspects of the metropolis. A student will retain more when learning the best hours to check, based on their own learning style and personal daily arousal cycle. The retired investor should monitor not just the yield, but also the managing costs on the household.

Effectiveness – is ‘to do the right things’ so that you can not just meet current expectations, though the overall desired product.

Meaning: to create the proper decisions with the items to undertake or more to perform. To let yourself kinds determine what direction to select, and for that reason what avenue to ignore.

In another word, you could consider if you will have a good bland of MANAGEMENT: doing what exactly right, based on the current procedure; it is efficiency,

and LEADERSHIP: doing the proper things, while considering long lasting outcomes; this is certainly effectiveness

Make use of a strategic business plan. Begin by composing a detailed business plan which you can use all through your startup and beyond. The master plan will include a statement associated with objective or even objective declaration, which could help to show you not just upon startup but also through the company. The plan must also fine detail the actual finances from the company.

The finances of the business consist of all the expenses for the company along with the projected product sales. Overheads such as rent, utilities and postage charges should all be considered as well as additional key budget products for example advertising. Don’t forget about one-time fees with regard to company new venture, permit as well as home inspections. Another cost for all businesses is the month-to-month phone costs.

Don’t skimp on insurance. Usually get the complete insurance policy that you can get, whether or not the expenses tend to be somewhat higher each month. It will help tremendously in keeping a person protected for those kinds of occasions. Numerous smaller businesses have been wiped out completely due to an accident or problem that was not really included in insurance coverage.

Then you will need to determine the actual materials costs for your service or product. This will include any labor required. Don’t presume that your labor is free. This can be a error many brand new small business owners make. Instead, be sure that you account for your own income along with the income associated with a other workers that will be required.

Once you have the costs figured out you are able to set your own prices appropriately. Be prepared to perform some market research. Check competitors prices to ensure that you are in collection. You won’t want to be priced excessive to ensure that nobody will purchase your service or product. Likewise, you cannot be priced so low that you simply lose money with every buy. Rather, take all things into account and price your product or service reasonably while allowing for some revenue.

Play the role of wise when it comes to the actual overheads for your business. For instance, telephone support is one region that you may have the ability to lower the costs. There are many at wholesale prices long-distance providers where you can find great service with reasonable prices.

When making the budget usually allow a category for unexpected products. These will come in the form of unpredicted repairs or even costs that you did not intend on. Should you didn’t budget for these kinds of expenses the money will come right off the bottom line – profits. Instead, determine these types of expenses to the spending budget. Carry them over monthly so that you have sufficient in the account in the case of a problem. This also permits you some room with regard to pricing alterations in the big event which some of your own recycleables or work prices increase.

A good business plan can get you some much-needed dollars for the business. Traders should see a business plan before they will commit money in your company. Yet traders can provide the money you need to get the company going. Banks as well as loan officials also should evaluation your own business plan prior to granting a small company mortgage.

If you’re unsure about how exactly to create your own business plan get some help. A professional might help write an excellent plan for you and may be worth the initial expense. Take a look at additional business plans for comparable businesses to obtain an idea of what it really ought to be such as. Finally, you can fine-tune the company strategy when needed. Use the strategic business plan as a roadmap to the success of your business.

There two schools which have different parameters for the new era of Exhibition, Events, conferences, summits and trade shows.

One says , in order to be in business , one should attend such happenings to be in limelight of the business world and the expenses is must to be incurred ,irrespective of no fruitful result .

The other school says, be in an event, exhibition and fairs and click the chances of business, because, there you are for business and people related to business comes handy. Further, they believe that may be one business man cannot afford to go places of the world to show its products and find buyers , but in such trade shows and exhibitions , you happen to meet as much as people come to such events .

Both are right to the extent they support exhibition events, conferences, seminars and business summits as they are must for business.

Whereas, third school which is in minority laments such business trade shows to be wastage of time and money. Since, business is by demand and not by visiting events and exhibitions.

When one thinks after having gone through the thoughts aired by different schools of business , following things comes in the mind , which is also affirmed by the different surveys has had been conducted so far as regards to business vs trade shows :

a) Trade shows are must for a business .
b) Buyers and sellers stand on one platform and an get live buy and sell leads.
c) The chances of business to business increases in such events
d) It is economical as approaching different persons takes time and results wastage of money whereas, such events saves time and money beside increases probability of increasing the finding of buyers.
e) It increases you exposure to the business world
f) It also shows that you are a true businessman
g) Sometimes , the number of business events and exhibitions attended is taken as a parameter to judge a company and its products .
h) Its also confirm the saying that “ one which is seen always, is sold always.

A: A business name is the name which a business trades under for commercial purposes. A business does not actually begin by formulating a business plan or opening a bank account. It starts from choosing a name. There is more to business name than just identity. A good business name is an advertising tool. Many large companies even hire expensive consultants to help them name their businesses, products and services.

Q2: I have this business name that I love so much, and I want to start a business under that name. Can I proceed immediately?

A: No. I think the next thing after you must have done a feasibility study on the business itself is to get the business name registered at the Corporate Affairs Commission (CAC).

Q3: What do you mean by Corporate Affairs Commission?

A: Registration of business in Nigeria is the exclusive responsibility of the Corporate Affairs Commission, also known as CAC; which has its head office in Abuja, and branches in most states of the federation. The CAC is the federal government agency responsible for registration of all companies.

Q4: But I was told that the cost of registering/incorporating a company is expensive. Can’t I go on with the business then register the name later?

A: My candid advice is No! Having your business registered definitely confers some credibility on it, given that it then acquires an identity. In many important business activities or relationships you may want to get involved in, details of your business registration will be required. You do not have to wait for such occasions before getting your business into the register of companies – you may miss an important opportunity just for that omission.

Q5: Is that all?

A: No. Using a business name similar or identical to that of a registered business name can land you into problems, including legal issues. Besides, if you have succeeded in doing business for several years under a name which has not been registered, that does not confer ownership of such business name on you. The CAC has to approve the availability of such a business name before you can proceed to file an application to get the name registered.

Q6: Does that mean I may forfeit a business name that I have been trading under and has become so popular in the marketplace just because I didn’t register it at first?

A: Yes. Due to your negligence, someone somewhere might have registered that name or a similar one. This means you will lose all the goodwill that name garnered over the years. Do you see that this situation is more expensive?

Q7: I understand that the Corporate Affairs Commission rejects registration of some business names. What are the likely reasons for such actions?

A: Good question! Officials at the CAC use their discretion in approving a business name submitted for search. Business names may be disapproved if such names existed or are similar to the ones on their database. At times, business names are disapproved due to their vague nature. Consider someone who submitted LAW FIRM as a business name!? More so, objects such as INSTITUTION, FOUNDATION and MINISTRY are not likely to be approved as a business name, except when such objects are used for registration of incorporated companies/trustees.

Q8: What difference exists between a business name and incorporation of company or trustee?

A: To start a business, you need to decide on a business name. You also need to choose a business format under which to operate. You need to know the requirements relating to membership of the company, ownership, etc to enable you make decisions you will remain happy with. The routine processes of registration can then be carried out on your behalf by an accredited professional.

Q9: You mean business names, companies, and trustees are formats?

A: Yes. It may be called business structures too. You will need to talk to an expert concerning this. However, let me give you a little of what you should know.

Three major classes of registration are available under the relevant law (the Companies and Allied Matters Act of 1990):

(I) Registration of Business Names: This applies to sole proprietorships and partnerships. It is the simplest form of business structure. It is the one-man business, owned by a single person and called ‘enterprise’ in the local parlance. The partnership applies to a business where two or more persons agree to jointly own and carry on the business. Given the fairly complex nature of partnerships, it is best to seek the services of experts to assist with the details.

Q10: What about incorporation of companies and trustees?

A: Incorporation of companies is the second class of registration available under this Act. Incorporation recognizes the business as a unique entity, separate from the owners, with statutory powers to own property and sue or be sued. There is thus the concept of limited liability, implying that the individual owner’s(shareholder’s) liability relating to the business is limited to the amount of his share subscription.

The third class under this Act is the Registration of Incorporated Trustee. This applies to public institutions and associations, operated by a Board of Trustees. This category includes: NGOs, churches, clubs, trade associations, political and civil groups etc.

Q11: Can an ‘enterprise’ (business name) be used to carry on all kinds of business?

A: No. The choice of which structure to adopt will depend on the nature of the business, the ownership and evaluation of the benefits, and the pitfalls of each format.

Q12: Why do some people prefer to incorporate a limited liability company?

A: Limited liability companies have grown to become so popular among business owners due to the following reasons:

(I) There is limited liability for individual shareholder.

(II) The standing of the business is enhanced before financial institutions and other parties it does business with.

(III) It has a better access to credit and on even better terms.

(IV) The business is distinct from individual owners; the death of a member does not dissolve the company.

Q13: Can I handle the registration procedures myself?

A: Yes. But the challenge here is that you may receive many queries from the officials at the CAC if you don’t comply with certain rules. Though it is cheaper to do the registration yourself, hiring the services of accredited professionals does pay in the long run. However, the CAC specifically requires that only accredited parties carry out the actual registration processing for incorporation of companies and trustees. The accredited professional you choose for the registration process should also be able to provide further advice. As a trained practitioner, he is also familiar with the registration requirements for each business format and processing procedure.

Q14: Now, how long does it take to get my business registered and receive a certificate?

A: The duration depends on the business format you are considering. Applications for registration of business names are usually processed at the zonal office where you submitted an application to be registered; though Name Availability search forms may be forwarded to their head office at Abuja. However, applications for incorporation of companies/trustees are usually forwarded to Abuja for processing. This may take more time.

In either case, the duration also depends on how soon the Name Availability result is released. These days, a name search result could take up to 1 month as against the usual 3-7 days; and the issuance of certificates is taking months to be ready instead of weeks.

Q15: How much does it cost to have my business name registered with the Corporate Affairs Commission?

A: Except you are handling the registration processes yourself, the fee depends on the professional and how he bonds with you with his professional fees, but not the filing fee. The filing fee fluctuates every now and then so you cannot put a specific price on it.

Q16: Do you mean having my business name or company registered with the CAC confers special rights or privileges or licenses to carry on my line of business?

A: No. Registration of any business name under the Companies and Allied Matters Act only confers on the proprietor or partners thereof of the right to carry on such business under a business name, that is, a name other than their own surname or surnames without any addition other than their forenames or Names or the initial of such forename or names. It does not confer any special right or privileges or any license to carry on the business itself.

Q17: Do you mean certain businesses require licenses, educational certificates or accreditation from an authorized body before venturing into them?

A: Yes. Before you register a company that requires a lot of technical and financial input, the CAC has devised new means of screening out touts and quacks from proclaiming to be ‘professionals’ in a field that requires extreme expertise. Hence, it is required that you provide educational certificates, belong to a relevant professional body, and or must have gained several years of hands-on experience.

Businesses that fall into this category may include: Advertising/Public Relations, Alternative Medical Practice, Architects/Town Planners, Chartered Secretaries, General Tax Consultants, Hospital/Clinics, Building/Civil Engineers/Contractors, Food Products/Processing, Legal Practice & Consultancy, Human Resource Management, Schools etc.

Q18: My Business registered with a trade association. Do I still need to register it with the CAC?

A: Yes. What your trade association has done is to grant you a license to carry on your line of business. Examples include: Kerosene dealers, hair stylists, tailors, and even professionals such as surveyors and accountants. If you need to engage in some financial dealings such as opening a corporate bank account or securing bank loan, a copy of your business name/company certificate shall be requested.

Q19: My school has gotten an approval from the Ministry of Education in my state. What is the essence of a CAC certificate again?

A: The CAC is responsible for registration of ALL companies, including educational institutions. What the Ministry of Education did was to give you an approval/license having met the requirements laid down for operating a school. Many school proprietors/proprietress are guilty of this. They spend a lot of money to get a government approval then come back to register their school names at the CAC. It doesn’t work that way. Two stark choices are usually left open when they finally decide to register their business names with the CAC.

(I) The name approved by the Ministry of Education in their state, and subsequently submitted for approval, are usually denied. Why? The exact or a similar name may have been registered somewhere, sometime. Take for instance, someone submitted BETTER LIFE ACADEMY for Availability search at the CAC but was denied approval. The reason: BETTER DAYS SCHOOLS had been registered for someone else! It can be as serious as this.

(II) They are forced to change the name of their schools in order to be different or, at best, avoid a law suit from the rightful owner of such business name. So, be wise and obtain a certificate from CAC before filing an application for government (Ministry of Education) approval.

Q20: Is there a way I can confirm the validity or authenticity of my business name certificate?

A: Yes. In fact, many people are skeptical about hiring a third-party to process their business name registration, due to the fear that the certificate given to them might be a fake. There are two ways by which you can verify:

(I) Obtain a Name Search Form at any CAC office and fill your registered business name. Submit the form for a search. This may take about 3-30 days for the result to be released. However, when the search result is finally out, the comment stated by the CAC will suggest to you if the certificate in your hands is genuine or not.

(II) Request for a Certified True Copy (in the case of incorporated companies/trustees). The Certified True Copy (CTC) is a copy of the memorandum of association that has been verified and stamped as an exact true copy of the memorandum of association in the CAC’s possession and file. If you were not handed a copy at the time you registered your company, and you want to obtain it after your company has been registered, you have to show your tax clearance, your annual returns, write a letter to the director-general of the CAC stating why you need it, purchase application forms and pay the filing fees for the new CTC (which is double the cost compared to when you ought to have gotten it cheap during registration and avoiding the hassles involved). This is where the CAC makes money because they know you will come back someday for it.

Q21: Why is the C.T.C so important?

A: The advantages of this is that with the CTC, you can present it to any company to inspect its objects for business, to help conduct businesses with banks, tender it for auctions, or government contracts, etc, when these big corporate institutions need them. If you don’t have a CTC, you will force the company to do a search on your company at the CAC. Which means you will be billed for that search by the corporation. So, imagine how many times you will be shelling out money for company searches?

Q22: Do I get a CTC for a business name (Sole Proprietorship/Partnership)?

A: Yes. But it’s quite different from that of incorporated companies/trustees.

Q23: I quite understand why it is so important to register a business name or incorporate a company/trustee. It’s in my best interest, isn’t it?

A: Certainly. Imagine your organization being recognized, favoured and approved of by your target market/audience, government agencies, international organizations, financial institutions, or even your local community – just because you are duly registered with the Corporate Affairs Commission of the Federal Republic of Nigeria! The importance of your organization’s certification with the nation’s registrar of companies/trustee cannot be over-emphasized.

Disclaimer: The information in this article is only intended to guide investors. Please, consult an expert whenever in doubt. For registration issues, call +2348055981421

Business cards actually originated in China centuries ago. Back them they were referred to as visiting cards or calling cards. The visiting cards used centuries ago were usually large in size and dimension as compared to the business card that is available nowadays. The large size of the visiting cards usually gives a lot of space for visitors to write in their name, notes and other important messages.

In Europe, the visiting cards were first used in the reign of Louis XIV in the 17th century. During that time, newspapers were underdeveloped leaving all merchants looking for their own way of promoting their products and services. This paved the way for the creation of the trade card.

With the success of the trade cards, these cards quickly established its name as the most popular and effective way of promoting a business. Printed with the right information such as a map that point directly to the business, trade cards that time has no formal numbering as compared to business cards today. The earliest form of trade cards were usually created or printed with the use of woodcut or the so called letterpress method. This printing method was used up to the 19th century with the aid of a monotone or simple tints in it, with most people choosing to print their name and other information in plain white card with a black text.

But with the fast, idealistic and creative minds of people, in 1830, lithographic printing process was invented in Europe. These modern improvements that include option to color printing led most of the business back them to create great and sophisticated designs for their cards. However, even if these cards was used and popular in the 18th and 19th century in Europe, visiting cards slowly lose its popularity while the trade card was transformed and developed into a business card that is now widely used by all businessmen.

Now in the modern days, there is limitless range or options available for quality printing process armed with quality lithographic printers that usually manufactures great and consistent printing finish for all requirements in card printing. Moreover, because of the rise of new and quality materials and production process, it has widened so many creative options that are available for your disposal.

And because business card is a very crucial marketing tool nowadays, creating a poor and bad looking one will largely reflect on your business. This led to the improvement of materials used by a business card printer like the use of thicker paper stocks which gives business cards good and superior impression. Further improvements like the matt or the gloss lamination or the spot UV were also develop for added professional appeal.

If you haven’t discovered the marketing power of business cards, it’s time you do today. Create your own card now and experience exceptional success in business.

This article aims to provide the reader comprehensive ideas and tips about cheap business cards.

Fine-Tuning Your Forex Robot To Compliment Your Strategy

Some forex robots actually function better in calmer markets. Knowing this and if you know that you love to trade around major news events such as central bank interest rate decisions, unemployment data and GDP releases, you absolutely must find a forex robot that thrives under busy market conditions. One way to prepare your forex robot to function well during busy news days is to get a calendar of upcoming news events. These are available free of charge at several forex-related Web sites. Once you have the dates of the news events you want to trade around, adjust your forex robot’s settings to be prepared during those busy trading times.

The other side of the coin is technical trading and forex robots may actually function better in this environment. At least it’s easier to adjust a forex robot’s settings to meet specific technical critieria than it is to get a forex robot to be a fundamental guru. Technical conditions such as RSI, MACD and Stochastic levels can be easily programmed into most forex robots. Technical trading is usually the backbone of most forex robots, so technical traders can certainly benefit from the use of a robot.

Know Your Forex Robot, Know Your Strategy

If the developers behind forex robots are straight forward about anything, it is the strategy the robot uses to be successful. Even if you don’t understand that, it’s pretty easy to figure out what a forex robot is up after watching it trade for a few weeks in a live account. One of the great attributes of forex robots is that, when used properly, they can be versatile creatures and this means there is a forex robot out there for just about any trading methodology.

As you and your business are the same legal entity, you are personally responsible for any debts that you incur in its running, even if you take an overdraft or loan under the business’ trading name.Therefore if the business gets into financial trouble you could be personally responsible for the outstanding debt and your home may be at risk. However, all is not lost, by taking the correct actions personal financial disaster can be avoided.

Personal debt solutions can be used to turn the business around

If you believe that your business could trade profitably without the burden of debts you currently have, then a personal debt solution could give the business a new lease of life. There are three main options available:

- Debt Management Plan (DMP)

- Individual Voluntary Arrangement (IVA)

- Bankruptcy (As self employed you can continue to run your business even if you are bankrupt)

The solution that you choose will depend very much on your personal situation, whether you are a home owner and whether you feel your business can continue to trade profitably in the future.

Each of the personal debt solutions will reduce the amount you pay to your creditors each month which will make ongoing trading easier. The options of IVA and bankruptcy will also lead to debt being written off which is of course a major advantage.

Business Banking is the major hurdle

The major problem to overcome when dealing with self employed business debt is your business banking facilities. If your business owes money to its bank and you implement a debt solution, you will almost certainly need to move your account.

Even if your business bank account has no debts but you have a personal account and debt with the same bank, it is likely that you will have to close both your business and personal accounts.

It is not necessarily a big issue opening a new bank account. You should note however that it will be unlikely that you will get a credit card or overdraft facilities. If you want to maintain a particular line of credit such as a credit card, this may be possible using a debt management plan. However this would need careful planning and is not necessarily advisable.

If you are self employed and your business gets into financial trouble, you are personally responsible for the business debt. However, you can often save the business and turn things around using a debt solution such as DMP, IVA or bankruptcy.

The key to saving your business is to take prompt action. If you feel that your business has financial problems, you should take expert advice as soon as possible. Such advice will very often lead to a solution which will allow you to continue trading successfully in the future.

Determine how long the day trading system provider has been in business. These services have been around for some time a record of success and excellent customer service. That is the reason that they are searching for to opt for a solid program.

How much does the service cost? Of course, the service will need to charge that he will stay in business, but you do not want to work with a service that is overcharging for what it offers. Look for services that charge a fair price and deliver an effective system.

You may tend to disbelieve of day trading system, if the offer sounds too pompous and unrealistic. Based on logical and not hype you want a system.

In order to credibly determine whether or not the provider is valid the performance of those others that have signed on with the service in the past will need to be examined. There is not any logic that you can’t succeed in the day trading system provided you have the innovation and are properly motivated, when others have made money in the market in a successful manner.

Of course you need to start with creating your own website, but don’t expect the clients to come find you. In the beginning you will need to actively promote yourself, therefore remember to include some marketing money in your business start-up plan. If this is your first business, you may not be sure just how to market your new business and wondering how you find those first clients. Rest assured there are many affordable ways to market a home based business.

Here are 5 Marketing Ideas to get you started:  

Advertising. Many people don’t like advertising because it can be expensive and because there is so much advertising today; some which is intended to scam the consumer. However, advertising is still a legitimate and effective way to market your business. Try placing ads for your services in local community newspapers, large newspapers,Yellow Pages and business trade magazines if your budget allows. Fortunately, many business will have a place to leave business cards and/or brochures for free.

Article Marketing. Writing articles is a great way to get known and drive some traffic to your website. You don’t need to submit hundreds of articles or use a submission service. A few well-known article directories such as ezinearticles.com and buzzle.com are enough to get you some free traffic. These article directories allow you to submit articles at no charge but make sure you write quality articles and proofread your writing. Be sure to include a little about yourself and your skills, as well as your website’s url in your author’s bio box.

Professional Business Cards. Always carry business cards with you because you never know who you might meet and you don’t want to be caught without a card. Although there are plenty of cheap and do-it-yourself business cards, don’t skimp here. Your business card is a reflection of your business and your professionalism. Have a professional looking card with your name, contact information and website address. Be sure to include a list of your skills and the services you provide as a virtual assistant.

Social Networking. Social website sites such as MySpace, Twitter, Facebook, and YouTube have huge forums where you can network with other business professionals. Create social groups with other virtual assistants and potential business clients who may need your services and skills.

Promotional Items. Everyone loves free things and giveaways are a great way to market your business. Keep in mind this can get expensive so watch your budget, however, there are many inexpensive promotional gadgets that can do the job. Try magnets, pens, key chains, calendars and other merchandise printed with your business logo and contact information. These are great to give away at trade shows and other networking events. Try to use items that people keep, like pens, mugs and calendars, since many promotional items can be thrown away or lost.

These are five great ways to market your business, but remember there are many ways to market your virtual assistant business. Any method you use that gets your name out there and lets potential clients know about your business is successful marketing. Try some ideas and see what works best for you and don’t be afraid to experiment with different methods until you find the right marketing mix for your business.

Business insurance is insurance that is intended to protect a business rather than the needs of an individual. There are many different types of business insurance available today but which one is right for you and your business? And what does it all mean? Here are some explanations to some of the legal terms used:

Negligence – means failing in your ‘duty of care’ to your client, this can include giving incorrect advice or making a mistake.

Intellectual property – infringing copyrights, trademarks or broadcasting rights this includes passing your product off as someone else’s or imitation.

Professional indemnity business insurance – this insurance protects you for sums you have to pay as compensation to your clients because of problems with your work.

What can you insure your business premises against?

Your buildings and / or contents can be insured against:

• Fire
• Earthquake
• Aircraft
• Riot and malicious damage
• Storm
• Flood
• Escape of water
• Impact
• Subsidence
• Theft involving forcible and violent entry or exit
• Other damage of an accidental nature

Business Interruption Insurance – what is it?

Business Interruption Insurance covers Loss of Trading Profit due to interruption caused by an insured event for a selected indemnity period, usually minimum 12 months.

What information do I need to obtain quote for business insurance?

You will be required to give some or all of the following information in order to obtain a quotation:

• your profession or industry
• the level of cover you’d like
• your annual turnover, annual gross income, annual fee income – if the business is just starting up your estimated first year’s revenue
• your business name, a contact name and a valid email address  
• your business trading address
• answer a few questions about your business activities and previous claims history
• the date you want cover to begin
• your bank details