The Difference Between Being Self Employed and Employee

Many people confuse being self employed with being an employee. However, the differences between these two are quite clear. 

self employed

Being self-employed does not mean that you are the owner of your own business. In fact, being self employed means that you are a person who is on their own, running their own business. It is not as if you work for someone else or you are working for a company.

Self-employed persons make the mistake of thinking that they are self-employed. You are not. In order to be considered self-employed, you would have to do most of the things for yourself and you should be managing your own time, as well.

Employee contracts are an agreement between an employer and an employee. It is the case of a partnership between the employee and the employer.

Employees in most cases also have the option of terminating their employee contract at any time. The employee does not have to continue in the employment relationship but may instead choose to quit.

This may be a result of many factors. Perhaps the employees feel they are treated poorly or just not valued in the workplace. They may choose to leave the company in order to receive better working conditions.

In the United States, an employee contract is different from worker’s compensation insurance. Worker’s compensation insurance protects an employee against certain circumstances that may occur in the workplace that are directly related to his or her job, such as injuries, sickness, death, or disability.

An employee contract, on the other hand, is written by the company that employs the person in question. It is a legal document that lays out the terms and conditions that are set for their relationship with that person.

Even though the terms of the employee contract will usually be spelled out, sometimes, it is necessary for the employee to take matters into his or her own hands. This can happen because the employer may not have read the contract correctly, or because the employee may not have understood everything included in the contract.

On occasion, the employee may wish to make changes to the employee contract after coming into an understanding with the employer. Sometimes this may be to improve working conditions, and other times it may be because of misunderstandings.

It is important for the employee to have the same employment rights as those that are given to an employee in a worker’s compensation insurance contract. If the terms of the employee contract are changed, the employee must notify the employer, as soon as possible.

Having an employee contract can also mean that you work for someone else and you are able to practice your trade. For example, if you were an accountant and wanted to be a lawyer, you could look for an employment opportunity to be a paralegal, a medical assistant, or an administrative assistant.

Selling Your Business – Use Business Brokers For a Confidential Sale

Selling your business can be a complex process. It’s not just a question of putting an ad in the paper and finding a buyer. To sell a business for its true value, it needs to be a successful going concern. If clients and employees know that you are planning to sell, they may lose confidence and your business could start to decrease in value before you have achieved a sale. So confidentiality is essential when selling your business.  

Singapore Business Broker

But if you don’t advertise, how can you find interested buyers? This is where good business brokers are key players.

A good business broker will already have a confidential list of potential buyers at their disposal. They will put together a marketing plan with you and pitch it directly to those contacts that they think are best matched to your business. The advertising that they advise on is likely to be national and will not reveal the identity of the seller. Confidentiality is a given.

When you are looking for a good business broker who can offer a discreet and effective service it makes sense to choose one with a national profile. Even if your business is a local one, this still applies, as the more established national brokers will have access to a wider range of potential buyers. A local, part-time brokerage is likely to have fewer potential buyers or contacts, and is also less likely to be able to maintain confidentiality in a small local community, where word spreads quickly.

Other things to consider when choosing a business broker:

Get referrals – ask professionals that you trust for the name of business brokers with an established track record. Your accountants or lawyer or an industry association should be able to provide you with some names and will also be bound by confidentiality, not to spread the word.

Check out prospective brokers – Ask for references from previous clients, check out their experience and credentials, and find out if they have dealt with your type of business before.

Find a specialist – If your business is a niche or specialist business then find a broker who specializes in the sale of niche businesses. The best way to find a buyer for your business is to select a broker who is a good match – then they will be in a better position to match you to your ideal buyer.

Once you have decided on your business brokers, they will be able to advise you on the best marketing strategy to achieve a sale at a realistic price, while keeping it confidential until the sale is finalized.

 

 

Is Online Poker Destroying Today’s Youth?

You flick on your computer, log into your favorite online poker site, enter a room for stakes, and off you go into the world of online poker wagering. Many of these sites don’t bother checking the age of its players; as long as you have the ability to fund your account, you can wager and play. Young people below the legal ages of 18 or 21, can readily play on many of these poker sites. More Info

Are these sites destroying today’s youth ? Do these sites effectively promote underage gambling and exacerbate gambling problems at an early age ?  

Situs judi poker online

Some opponents of online poker gambling, articulate the following reasons as to why it should be banned, and certainly be prohibited for underage minors:

Easy to fund accounts – Some online poker sites put no age restrictions on people gambling at their site. Underage gamblers can effectively fund poker accounts through credit cards, their parents’ credit cards, bank transfer, and 3rd party eWallet intermediaries. The anonymity of the age of the gambler, does not alert the poker site, in this instance, that an underage gambler is wagering on their site. Thus, there are no restrictions placed on underage gamblers on these types of sites.

Local laws not enforced – Despite some jurisdiction’s current laws and restrictions against online gambling, many sites (physically located in different jurisdictions, where poker and wagering is legal) still cater to these players. Again, there is no discrimination in these cases, on the age or locale of the player.

Money management skills lacking – Many opponents of online and underage gambling like to think that online poker caters to “a click of a mouse, and you’ll lose your house” syndrome. Although this bit of reasoning appears to be a bit extreme, online poker can offer a young gambler, who is not well-versed in money management skills, the ability to lose a great deal of money, in a short amount of time.

Compulsive gambling – Many studies have been done, that indicate that compulsive gambling effects a very, very small percentage of overall gamblers. However, does the easy access of online poker encourage and foster compulsive gambling at a young age ?

Money give-away – Are underage gamblers using their lunch money to gamble ? Are they taking their allowances and betting that they will come up with a Royal Flush ? In short, are underage gamblers gambling with their everyday money ?

Obsession – Is online poker becoming an obsession for today’s youth ? Are today’s youth spending their free time in front of a screen (gambling), when in fact, it is taking away time from their family, friends, and school work ? Is this obsession destroying their lives socially ?

These are all valid concerns, and depending on the individual, could be applicable or not. Fortunately, there are some counter-arguments to the above anti-youth-gambling rhetoric. The proponents of online gambling argue the following:

Freedom of speech – There are inherent freedoms in this world today. The internet shows no boundaries and internet gamblers (the youth included) should be able to do what they want with their own money. Freedom of speech is the paramount issue here.

Youth Gambling Detection – Some of the reputable online poker sites already have sophisticated checks in place, to ensure that their patrons are not underage gamblers.

Hypocrisy – The opposition is quick to cry out against Underage online poker players, yet there are many jurisdictions that permit underage gamblers to take part in online lotteries and online fantasy sports pools, which are often played for wager.

Regulation is the answer – If online poker became regulated (for example, in the United States), the online underage argument could be nipped in the bud, and the prevention of underage gamblers could certainly be addressed. There are many reputable online poker establishments running worldwide, that have enforced such checking for years, and the associated technology governing this has reached a maturation process. These technology advancements could be shared with jurisdictions that currently do not have these safeguards in place, to achieve the desired results.

In summary, regulation of online poker universally would result in the ability to formally administer age detection safeguards, which would eliminate the youth from gambling online. Although this may not be 100 % foolproof, it will go along way to preserving and protecting today’s youth from the potential destruction forces of online gambling, and is certainly the best compromise that can be achieved.

 

 

New Home Based Business Idea

So, you have a new home based business idea rolling around in your head and you are bursting to get started. It is time to harness that energy and create the business you have been dreaming about. Starting a business is fairly simple as long as you know the basics. Once you know what you need to do to start a business for the long term, then you can create the business of your dreams? 

home based business ideas

The first thing you should consider when you get that new home based business idea is its marketability. Are you going to be able to sell what you have in mind? Are people going to buy your item or service? Take a close look at the market for your new home based business idea to see what competition is out there and if people are willing to buy what you have to offer. If you find that your new home based business idea is not all that new, you may need to narrow your idea to a certain niche. Find the area that needs what you have to offer the most and that is the right area for your new home based business idea.

Then check the laws in your state. Depending on your new home based business idea, you want to make sure you have the right licenses and certification to offer your product or service. For instance, if you are opening a day care center from your home, you may need the state to come out and do an inspection. You may need to fill out special paperwork. In many areas you are required to obtain a business license for your new home based business idea. Check with your municipality to see what is required. A business license is usually inexpensive.

Another good idea is to create a business plan for your new home based business idea. Why would you need to put it on paper? A business plan allows you to create goals and values for your new home based business idea. It sets down on paper the concepts that you may find useful in the future. It allows you to see how you want to run your business and how you are going to make it grow. It does not take long to write a business plan, but it is usually one of your most useful tools for making your new home based business idea a reality.

As you are creating your business plan for your new home based business idea, you will be taking some time to assess your financial needs. You need to determine your operating costs and if you will need to obtain a business loan to get your new home based business idea up and running. If you apply for loans or look for investors you will definitely need a business plan. Take a look in the long and short term to decide what your new home based business plan will require.

Advertising is also an important part of making your new home based business idea a reality. You may not think it is important, but how will anyone know you exist if you do not advertise your products or services? One of the most inexpensive and easiest ways to advertise your business is to create a website. The internet is quickly becoming the primary way people find out about services and products, so a website is no longer an option for your new home based business idea. If you are operating on a budget you can create a minimal website for very little money. If you want a top-notch website for your new home based business idea you can go so far as to hire designers for your site.

Advertising also means putting yourself out there and marketing your business all the time. Join networking groups and send out flyers. If it is affordable, you can place advertisements in newspapers and magazines. You do not need to do everything at once, as you need to stay within your budget, but always keep your eye on expanding your new home based business idea.

Take your time to build up your new home based business idea right. You are probably fairly excited over the prospect of this new business venture, and you need to take that excitement and turn it into productivity to create the business you have in mind.

 

Why Form a Singapore Sole Proprietorship?

Regarded as the most basic structure of a business, a sole proprietorship is that which has one owner who simultaneously acts as its operator, and who enjoys full authority over the business’ activities, assets, profits, losses and even liabilities. While both the business and the owner are treated as one, neither of them is granted with a legal status. Hence, an enterprise running on sole proprietorship is not eligible to sue nor is it entitled to sue another. 

setting up a company in singapore

One feature that makes a sole proprietorship particularly attractive to most investors is its taxability. There are 2 ways to benefit from this feature. First, a sole proprietorship does not subject to double taxation, a characteristic common in corporations.

Double taxation happens when the business enterprise becomes a legal entity separate from its owner and shareholders. As a universal rule, the income incurred by shareholders from the corporation’s business operations are treated as a personal income. Therefore, the shareholders are taxed on a personal level. In addition, the corporate itself, by engaging in business operations and by being considered as a separate entity, acquire a certain amount of income, thereby, qualifying for a distinct corporate tax.

In a sole proprietorship, however, the same thing is not applied by law simply because the proprietor and the business enterprise are recognized as one. By that, the income made by the owner and the company are esteemed as one as well.

The second approach of gaining a tax advantage is the proprietor’s privilege to deduct the business’ losses to the former’s overall income that could spring from all sources including dividends, profits, and interests.

Now, if an investor decides to exercise his knack for business in Singapore, he may have additional advantages. Singapore’s economy follows the doctrine of laissez faire even to foreign entrepreneurs whom are conferred with freedom to repatriate their profits and who are empowered to import capital or own 100% of the stock of the company registered in this city-state.

Through a procurement of an Entrepass, Employment Pass or Dependent Pass, a foreign investor himself can be appointed as the local resident director as mandated by the Singapore Companies Act.

Singapore has a promising business potential, earning a slot in the world’s largest financial centers. As the Business Expectations Survey conducted by Singapore Department of Statistics on the services sector puts it, 24% of the city-state’s services sector bears a positive outlook for the final quarter of 2010 as they forecast an increase in revenues and manpower.

Just on the retail trade industry alone, a net weighted balance of 38% of all retailers shares a common estimate of gaining higher sales for fourth quarter of 2010 and as such, they see more recruitment of employees during this quarter.

In a stark comparison, registering for a sole proprietorship integrates a personal touch to the business firm, for the sole proprietor reserves the sole discretion of making all decisions relating to the business, and thus, reflects that business’ personality.

Nonetheless, constituting for a sole proprietorship in Singapore presents an opportunity to establish one’s reputation on a personal level, whereby, relationships are established, lengthened, and strengthened. These can all come true in Singapore.

 

Home Fire Safety Tips – Be Sure to Follow Them

For so many years, the rate of fire accidents at home is increasing. There have been so many cases related to fire that have ruined the lives of so many individuals. This only shows that a lot of families have not given importance to observing preventive measures. And this is indeed very alarming. Though it may sound so simple but this is really very important for every family. 

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Everyone knows that fire incidents usually happen because of accident. But this does not mean that it is unavoidable. You can always prevent this to happen if you are fully aware of the safety measures in your house. Remember, fire can be stopped. So you simply have to know how to do it before it gets worse.  

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Observing the right preventive measures is necessary since this can save lives, not just you but your family as well. There can be no other worst incident in a person’s life than having your house eaten by fire. So if you do not to be a victim of this terrible incident, go over the rest of this article for more fire safety tips.

The best way to avoid fire is to lessen or get rid of the fire dangers in your area. You should be fully aware of the fire strategies that should be done in case of emergency. You should also inform all the family members living with you. In this way, they will not panic whenever emergencies occur.

It helps to install fire alarms and smoke detectors in your home. These devices can help in giving you early warnings. There are several types that you can choose from. There are water sprinklers and fire extinguishers. For others, they thought that these alarms are for business establishments only. This is totally not true; they can actually be installed in your home.

Securing all electrical devices and appliances should be unplugged. Do not leave them in a stand by mode since they are still using small amount of energy. Check them regularly if they are still in good condition. There are times that electrical gadgets that are already broken but are still used can cause serious incident like fire. So do not ignore the condition of your appliances.

Always check your gas tank and gas range if there are no leaks. You should monitor when you need to replace the tank and if the gas regulator is properly placed. This can really be dangerous since you can smell the leaking gas which can be harmful to your health.

There can be a lot of fire safety tips that should be considered by every household. But regardless of what are those preventive measures, homeowners must not overlook the importance of familiarizing them. It is very essential to learn how to stay away from dangers and how to prevent them from happening. Doing this will not only save your home from being burned down but you are also saving your life as well as your family.

 

 

How to Get Cosmetic Dentistry Procedures at Affordable Prices?

Our confidence always shows up on our smiles. Smiles project our personality, our mood and openness. There are however times when it is so difficult to express how we feel through smiling especially if we have great problems about our teeth. I personally have been searching for a good way to give my smile a better spark specifically when dealing with people. So, I one day stumbled upon a discussion about cosmetic dentistry through one of my friends which she considers as the best option in fixing teeth related problems.  

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Cosmetic dentistry provides people more choices in correcting a person’s teeth and mouth which are later evident through her or his improved smile. 

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The cosmetic dentistry’s trend has been continuously growing to meet every patient’s particular need. As the trend is enhanced through development in technology, the demand is also simultaneously increasing.

A regular person’s point of view is that cosmetic dentistry is a very expensive approach in acquiring a more confident smile. This notion is proven wrong. Cosmetic dentistry nowadays is made affordable not only to those who belong to the rich ones but for all.

Dentistry abroad reaches to people in all walks of life. They offer cheap cosmetic dentistry and treatments. We usually think that the cheaper the product is, the lower the quality goes. This isn’t true when it comes to cheap cosmetic dentistry abroad. These offices abroad are under strict hygienic and medical requirements. Cosmetic dentists are highly professional and have been practicing and continuously improving throughout the years. Dentistry abroad uses a state of the art medical advancement to make sure that the patients are happy and contented with the results. So, the price might be cheap but it is never cheaply done.

One good way of saving when you want to avail of cosmetic dentistry abroad is to look for cosmetic dentists who have treatment packages. They provide patients with different extra medical treatments which are priced reasonably.

Have time to compare prices over the net. The internet provides us a very wide choice of dentistry abroad – their procedures and packages which one can benefit from. Be sure to check some unbelievable discounts, too. Cosmetic dentists find ways on how to help more patients into opening their minds into cosmetic dentistry as one good alternative for them in fixing teeth and mouth dilemma. That is why dentistry abroad offers discounts (sometimes, up to 70% if you are lucky) so everyone can get the chance to have a brighter smile.

If you have dental insurance, it is recommended for you to contact your insurance company to know if cosmetic surgery is also catered in your benefits. It is good to know how your dental insurance company works and the different types of dental plans they have in line for you. Insurance offices are aware that more and more people are now aware of the advantages they can get from cosmetic surgery. So, there some which are starting to offer financial aid and budgets in routine treatments, dental emergencies and serious dental problems which are possible to undergo cosmetic dentistry. Your dental insurance company might have a way of helping you financially.

 

 

Offshore Company Formations For Asset Protection

If you have a substantial amount of money to safeguard it may be to your financial benefit to set up an offshore company to protect your assets. Simply put, an offshore company is a company that is incorporated in a country other than the one it does the majority of its business in.  

mossoffshore

There are many legitimate reasons to set up an offshore company but for many companies the main reason is to take advantage of tax laws that are more partisan than those in the United States. Setting up an offshore corporation is a great way to keep your taxes low and more of your company profits fluid. Setting up an offshore corporation does not alleviate the need to pay taxes in the country where the income was derived however.

The other benefits of incorporating an offshore company are; the ability to trade internationally, financial confidentiality, asset protection, business and land ownership in a foreign country, increased financial flexibility and privacy.

You may also find that offshore companies offer a higher quality of asset protection than setting up your company in the United States. Most offshore destinations will let you form an offshore company in such a way that earnings are fully shielded from all future liability.

In jurisdictions such as Panama a person can incorporate an offshore company without using their real name. This can provide a level of anonymity that is not possible in the U.S. system of business. This type of corporation is known as an anonymous bearer share corporation. In today’s banking world very few places outside of Panama still offer and enforce, through banking secrecy laws, this level of privacy.

Business owners can also form an offshore company with a minimum amount of cash equity in the business. Different countries have different rules for this, but overall upfront costs are much cheaper to set up an offshore company in a jurisdiction like Panama as opposed to Switzerland for example. Each offshore destination should be carefully researched and an asset protection lawyer consulted prior to making a jurisdiction selection.

In addition to the benefits, there are some disadvantages to setting up an offshore company that you should be aware of. If a person incorporates an offshore version of their company there is a chance that they won’t be able to have employees on a payroll for that companies American counterpart.

There may also be restrictions on the type of company that a person may form in certain countries. For instance, a person may not be able to open a bank, insurance company, lottery or another entity in a strictly controlled industry.

Another drawback of going offshore is the necessity of putting your estate through a protracted probate process if you die suddenly. Even if you have a will, foreign countries will still look over your business dealings with a fine tooth comb before they release your assets to your heirs.

There are many countries where you can incorporate an offshore company. Some of the most popular are; Switzerland, the grandfather of offshore banking, the Isle of Man, which has favorable tax laws, Singapore, which has excellent investment potential and the Republic of Panama which is extremely favorable to incorporated companies.

After a time, you may choose to move your company from one location to another. You will need to set up your company in a country that allows movement of corporate entities to other jurisdictions. If you file the proper paperwork utilizing the services of an asset protection lawyer, you will not lose your incorporation charter, no matter how many different jurisdictions you move your offshore company to.

If you want to start an offshore company you need to research the jurisdiction in which you will incorporate and be comfortable with the advantages and disadvantages offered.

 

Offshore Banking – Are Offshore Bank Accounts Legal and Why Would You Want One?

I am often asked why you would start an offshore bank account. Just as often, I am asked if offshore banking is legal. Offshore banks are often looked at as sneaky or dishonest. And some people would like you to keep thinking they are.  

Moss Offshore

First, let me state for the record, that yes, they are perfectly legal. In fact, offshore banking itself, while the rules may change a little, needs to stay legal. Forever. The economy depends on it. Money will always need to be transferred between countries, or trade would stop. So there will always be a need for offshore bank accounts.  

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What is illegal is using offshore bank accounts to avoid paying taxes you legally owe. Or, if the accounts are used by criminals for illegal activities. But, of course these two things are illegal anyway. So, the offshore account is just a tool.

Think of it this way, if you use a screwdriver to break a window, you are committing a crime. But, the screwdriver itself is not illegal. It is the same way with offshore banks. They are tools that can be used for good or evil.

Also, you need to consider, that offshore bank accounts are any bank account that is opened in a country other than your country of citizenship. They don’t necessarily need to be opened in tax havens. Although they often are. This is why they are often treated with suspicion.

You might be asking at this point, “Then why would a person want to open an offshore account”?

It’s great that you are asking that question. Because of the false information about offshore banking, most people do not even ask. And they miss out on the many benefits for everyday people like you and me.

Here are a few reasons:

Enhanced Account Privacy

The first reason people use offshore accounts is for more privacy. Just because you have to declare your income in your country of residence does not mean that everyone has to know exactly how you earned it.

As long as the income was earned legally, isn’t it your business as to where it came from? In the case of an audit, you will have to reveal the sources. But as long as it was legal, the audit itself is nothing to worry about. And you still have privacy from everyone else.

Asset Protection from Lawsuits

This is a big one. In today’s society, no one is free from the threat of litigation. It doesn’t matter how careful you are, some one may trip walking by your property. Or you could be sued for some other petty reason. Or judgement may be passed against you.

We have all heard stories about someone who lost everything due to some type of lawsuit. Private assets in an offshore account are untouchable if created properly. It’s not enough to build an inheritance for your children. You need to protect it.

Global Access to Funds

More and more people are choosing a location independent lifestyle or moving abroad. If you have to pull money out of a US or Canadian account, when you are living in or even visiting a foreign country, it can be extremely expensive and inconvenient.

Remember, an offshore account just means a bank account that is not in your home country. So if you are living abroad, it is almost essential.

Competitive Banking Features

Many offshore accounts have more competitive interest rates than you may get at home. Or, they may have features unavailable in your own country.

There is no reason you shouldn’t have the opportunity to get a better interest rate. Just because your home bank doesn’t provide them.

Access to Business Investments

Over 99% of the worlds investment opportunities are not available to US citizens with US bank accounts. When you have an offshore account to invest from, an entire world of investment opportunities opens up to you.

Also, banks are only open from 9 – 5 local times. Having funds in a bank on the other side of the world gives you access when your other bank is closed.

The requirement to move money around ensures that offshore bank accounts will always be around. And will always be legal. Otherwise, the entire world’s economy would collapse over night.

Having a bank account offshore has many benefits for anyone. And at any stage of their financial life. Most importantly, is it is perfectly legal, as long as you do it correctly and not use it for illegal purposes.

If you have any assets that you would like to preserve, or if you ever have the ambition to live or visit overseas, start looking into an offshore bank account today. They are no longer just for the rich.

Your assets are yours to protect and grow. You owe it to yourself to investigate every opportunity for doing so. Offshore banking is a good start.

Glen Kowalski, is passionate about helping people to protect their remaining freedoms to be able to live the way they choose, as long as they are not hurting anyone else. He believes life is too short to not experience everything the world has to offer. And thinks its impossible to really know your own country until you have had the opportunity to live in another one.

Through Freedom Offshore [http://www.freedomoffshorenow.com], he provides information on Living Abroad, Moving Offshore, Opening Offshore Bank Accounts and Offshore Corporations, Location Independence, Nomadic Living, Privacy and Freedom.

He can be found on the web at: [http://www.freedomoffshorenow.com] where you can download the free ebook Moving Offshore.

Feel free to use this article as you like, as long as you do not change the content and leave this resource box, along with all of the links, intact.

Article Source: https://EzineArticles.com/expert/Glen_Kowalski/438046

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Hiring a House Painter – 7 Questions to Ask Their References

Painting your home is more than just paint colors and wall textures. When you are selecting a company to paint your house they are going to be spending time inside your personal space so you want someone that will not only do a great job, but someone you can trust, too.  

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When we repainted our house a few years ago we took extra precaution, because we knew the painter would have full access to our home while we were away at work.  

useful reference

We made a list of criteria, and then interviewed several different painters before making our selection. We wanted to review references, proof of license and insurance, and of course information about how they planned to paint our house.

If their quote was in the right range, and they had proof of insurance and licenses, the next most important thing for us was their references – we asked for them to provide us with customers names and phone numbers – and then we called them.

When people give references they are often reluctant to give a bad reference for someone they know – so don’t ask ONLY questions that have yes or no answer, encourage them to have a conversation about the painting experience.

Remember, your are entrusting your home and its contents to the company you select, it is important that you can rely on them to be trustworthy.

We asked several specific questions when we were verifying the references:

1) On a scale of 1 to 10 with 10 being perfect and 1 being disappointed, how would you rate your satisfaction with the painter and the results and WHY?

2) What do you wish the painter had done differently?

3) Did they finish their work within the scheduled time?

4) Was the work completed professionally?

5) Were there any hidden charges or extras that were not included in the original price quote?

6) What was the best thing about working with this painter?

7) Would you recommend them to your family?

Number 7 is my personal favorite, there are folks you’d recommend to work for your friends, but do you like them enough to recommend them to work for your family.

Ultimately the painter we selected had not only great references, but brought along a portfolio of painting jobs to show us the styles and options and not just a bunch of paint chips.

As your shop around for a house painter, always remember to check their references.