HubPages truly is an encouraging article publishing platform for many aspiring writers. The services of independent intermediaries may not be relevant for too long even though, initially, they could serve as a channel to distribute products. The pitfall in engaging the services of these middlemen investors is their influence on the benchmark price set by the organization. Which may affect the rate at which customers patronize the organization’s goods and services, especially where there are other competitors. Companies that have existed long enough to understand the market should collapse that layer of trade partners by integrating their functions into that of the organization to save cost and have control of their product prices. A business plan, as defined by Entrepreneur , is a written document describing the nature of the business, the sales and marketing strategy, and the financial background, and containing a projected profit and loss statement.” However, your business plan can serve several different purposes. Modern marketing requires data. Marketing professionals can’t make key decisions without knowing how their target audiences will respond, and that requires access to up-to-date information from a wide variety of channels. For the braver individual looking to the stock market for opportunities to make money is another viable option; however it is also a sometimes very risky option to choose. Therefore, one should always be well-equipped with the relevant knowledge to ensure the best choices and opportunities are spotted. What is covered under a business owners policy (BOP)? This is a policy designed for small, low-risk businesses. It simplifies the basic insurance purchase process by combining general liability policies with business income and commercial property insurance. Next business idea is battery shop. Every two wheeler and four wheeler requires a battery. Thus starting a trading business of battery is profitable affair. You need to make lot of investment in order to start battery shop. Total employer compensation costs for private industry workers averaged $31.70 per hour worked in December 2015. Private industry employer costs for paid leave averaged $2.18 per hour worked or 6.9 percent of total compensation, supplemental pay averaged $1.06 or 3.3 percent, insurance benefits averaged $2.54 or 8.0 percent, retirement and savings averaged $1.25 or 4.0 percent, and legally required benefits averaged $2.54 per hour worked or 8.0 percent. Supplemental pay costs for private industry workers in December 2015 averaged $1.06 per hour worked or 3.3 percent of total compensation. Supplemental pay includes employer costs for employee overtime and premium pay, shift differentials, and nonproduction bonuses (Employer Costs for Employee Compensation, 2016).