February 13, 2010

'Stop the Stupid Stuff' In Your Business

We are living in a world of change. Shift happens! Competition comes from all over the world, which means that many American businesses are in trouble.

Many decisions are being made that are contrary to both good business sense and building customer loyalty.

Most organizations' marketing is usually an exercise in figuring out what to do to get current or potential customers to spend more dollars with them.

I'm suggesting that instead of thinking about what to do, figure out what to stop doing. In other words, stop doing the "stupid stuff."

Not doing the stupid stuff means finding out what prevents customers from spending money with you and making sure that that action or reaction never happens again.

Here's an example of what I call "stupid stuff." Some airlines now want to charge customers who want to speak to a live agent.

That's stupid stuff in two ways. First, they've chosen to penalize customers who want to continue getting what they've always gotten - one-on-one attention. Worse, they've done it by saying they will charge more for this previously standard level of service. How many customers will they lose because of this decision? I know of at least one.

There are more subtle, but no less damaging, stupid things businesses need to stop doing.

Take, for example, the new Wheaties boxes. General Mills recently introduced Wheaties boxes with photos of the U.S. Olympic gold medalists. One was missing: Paul Hamm. Why?

This was General Mills' response to my inquiry:

"Selecting a Wheaties Champion has never been an easy task, especially when we have witnessed so many outstanding performances by so many championship athletes. But it simply isn't possible to honor every champion on the Wheaties box."

So they leave off the first U.S. man to win the Olympics all-around gymnastics championship in one of the sport's greatest comebacks? His return from a disastrous fall to a near-perfect high-bar routine won near-universal praise and, for most of us, defined the word "champion."

But there was controversy. As most of you know, a South Korean gymnast claimed that a scoring error cost him the gold and appealed to the Court of Arbitration for sport. The court recently ruled that Hamm can keep the gold medal.

Even though the medal was disputed, it was not because of anything Hamm did or did not do. Still, General Mills decided to do the "safe" thing. But by being safe and leaving out Hamm, Wheaties is alienating the millions of customers who see him not as controversial, but as a hero, and losing customers in the process. Now that's "stupid stuff."

So start stopping! Stop saying "No" and start using the word "Yes." Stop charging for services that most of us think are free.

Find out what exasperates, discourages, hassles or confuses your customers and stop it.

February 12, 2010

Do Small Businesses need websites?

Should Small Businesses have a web presence?

In one word, yes! The internet is the most effective marketing tools in existance nowadays, have the capability of reaching far more people than any leaflet drop or advertisement in the local paper ever will.
Should you produce your own website?

It all depends on your skills, if you have the ability to produce a site that looks good, then go ahead, it will save you money and will work wonders as a marketing tool. However if your skills are limited or non-existant then we'd say no. Why? No, not because we want your money (although we don't mind if you want to give it to us...), because if your site doesn't have a professional look to it, then it is going to reflect badly on your company's image.

Do you need to spend lots of money?

It really depends on the size of your website, if you're looking simply get a presence on the internet, then you can easily get something for around £250 if you take the time to look, if you're really getting into the idea of being online and effectively having your shop exist in cyberspace you're going to be looking at more money, however even then, there are many self-build options such as Ekmpowershop.

What content do you need?

This all depends on what you want from being online, if you want to sell online, have your products online is going to be very useful! If you're just looking to get your company online, then there are TWO elements that we believe are imperative:


Information about your company
How to contact you

Without these two no-one is going to know who or what you are, with the former being your chance to sell yourself. Remember when people look at websites, if its well designed they won't know if they're dealing with a multi-national company or a one person organisation, this is your chance to play alongside the big boys!!

What to do now?

So you're convinced a website is the way to go? Excellent, this can only be of benefit to you! Now you've got to find a designer (there's one right here!!!), things to keep in mind when looking is what kind of style are you looking for, find some websites that you like then find some designers and see if they can produce something along that line! If they can, you're on the way to bringing into being what can be one of your best employees!!

Five Steps to Create a Budget for your Small Business

How I hate budgets!

Every time an accountant told me to put together a budget for my company, my response was - “When I get the time I will!” I just never seem to get the time.

For several years when I first started my company I never paid attention to a budget. I knew if I made money by looking at my financial statements and that was good enough for me. Also, every time I tried to put something together I never compared my actual financials to the budget numbers I created.

Two years ago, I decided to take a different approach. I developed a forecast for a quarter of what I expected income and expenses to be. I came up with the figures based on the previous year's actual numbers. It was easy to look at last year and just add a percentage increase to the numbers. Then I took the time to review once a month the forecast with where we were at that point.

By using this system of creating a forecast and comparing that to actual financials on a monthly basis I was able to focus on income areas that were falling behind and stop expenses that I didn't need to make.

I am an avid fan of informational products. I buy thousands of dollars every month. With the forecast in place I caught myself spending more then I allocated and was able to just cut back the next month. The great thing about this system is that you are not locked into a specific figure each month but yet you stay within guidelines of where you want to be before the year or quarter finishes.

The best way to set this up is to use a financial program such as Quickbooks or Peachtree. Track all income and expenses using the software. The next step is to print financial statements that track what you have done. Then take the numbers of your financial statements and increase your income by the percentage you want to raise revenue by. Then look at expenses and determine what categories will increase based on the sales increase. This will become your financial projections.

The last step is to review your actual financial statement (Income Statement or Profit and Loss) to your projections. Have systems in place to increase revenue and decrease expenses as necessary.

3 Ways to Create a Steady Cash Stream while You Work from Home

Working from home was once merely a dream for most people. Until the onslaught of the Internet and home PCs, it simply wasn't feasible for companies to hire employees to work from home. And starting a small business took special know-how, a large initial investment, and a lot of advertising and marketing. But now, working from home is a reality for thousands of people, and you too can realize this dream.

The first goal for your home business should be to find ways to create steady cash flow. You'll need cash flow to operate and promote your home business, and to secure a lucrative income for yourself. There are many different ways to create a cash stream for your home business. Here are three ideas to get you started.

1. Buy a Pre-Existing Profitable Business

One way to create an immediate cash flow is to buy a pre-existing home business that is already making a profit. Of course, you will not enjoy a profit immediately because you must invest initially. But once you are able to recover from the initial investment, you can continue receiving profits year after year.

The key benefit of buying a pre-existing work-from-home business is you will gain knowledge from the previous owner about what works for the business and what doesn't work. The main disadvantage is you will have to follow in the footsteps of another instead of building your own home business from the ground up. There's a great sense of pride when you can truly call a business "your own!"

2. Follow a Profitable Business Model

Another way to create a cash stream for your work-from-home business is to follow the profitable business model of another. You can learn a lot from others who have already been successful with a home business. Many long-time entrepreneurs are creating e-books and global networks to help new home business owners become a success. They are revealing little-known secrets about work-from-home businesses that would likely take you years to discover on your own.

Look for entrepreneurs who have owned work-from-home businesses in a field that interests you. Use their ideas and examples to create a profitable business model for your new home business.

3. Internet and Network Marketing

A third way to create a cash stream of income is to utilize the Internet and network marketing to your advantage. Find and join a team of individuals who have similar goals and work with them to build a successful online business. With the Internet and network marketing, many are realizing their financial goals faster than they ever imagined.

Network marketing online can be accomplished through email and a website while working from home, and it can bring more people together with similar goals in a very short period of time. Many global network companies will promote your online business for you and take every initiative to help you become a success. There are even global resorts networks that enable you to travel to exotic places while earning a substantial income.

Whatever method you choose to create a cash stream as you work from home, set some goals for your business and start realizing your dreams today!

Your Own Products Can Make You Rich

Although there are advantages to selling other people`s products and services, there are also drawbacks. For example, the lack of exclusive rights to your own proprietary product can mean that you are just one of thousands selling the same thing. Excessive competition can cause you to drop your prices and to lose sales, thus affecting your profits and cashflow that are so essential to your business survival.

For this reason, you may decide to develop your own proprietary products and services, either exclusively, or to complement your line of other people`s products.

After creating your own proprietary product, you could spend millions in manufacturing and marketing costs. You could go bankrupt before you even had your first sale.

Here, then, are just a few, low-cost ways to profit from selling your own proprietary products and services.

1. Licensing

Instead of trying to finance the manufacturing and marketing of your invention, why not license it to a company with the expertise and capability required? You will then receive royalties in return for your idea.

2. Exporting

Exporting your product to other countries can dramatically increase your sales. Hiring an Export Management Agent can keep your fixed costs down.

3. Offer Commissions and Finders` Fees

Recruit independent sales representatives and agents. Offer commissions and finders` fees in order to sell your products and services.

4. Online Auctions

You can also sell your own proprietary products through Internet auction sites such as eBay or Yahoo! Auctions.

5. Start Your Own Associate or Affiliate Program

Multiple web sites and distributors selling your product can result in increased sales and profits. Unlike conventional advertising, affiliate programs pay only for performance. Commissions are not paid out unless sales are made.

6. Participate in Joint Ventures

Joint venture arrangements can be profitable. As an example, you could offer a commission on the successful sale of your product featured in someone else`s e-zine or newsletter.

The above list of low-cost ways to make a profit from your own proprietary products and services is by no means exhaustive. However, it certainly illustrates that, with some effort, your own products could make you rich.

February 11, 2010

Need More Free Time?

A professional VA can offer all of the benefits of a traditional administrative assistant, without the need to provide a “space” for him/her. Most VAs offer a wide range of services to pick and choose from; ranging from the basic, such as telephone answering; to the more advanced, such as web hosting and meeting room hire. In this way, how you benefit from a virtual office is entirely up to you and the sky is literally the limit.

Who does this benefit?

Virtual offices can benefit a wide range of users. This ranges from an e-based entrepreneur working from home seeking a professional image to an international concern looking for a short-term solution to increase global business.

Not sure if you need a VA?

If you are a solopreneur or entrepreneur the only sensible solution to growth is to add to your staff. Yet, you may have a lot of reasons that prevent you from hiring an “on-site” assistant, even if you need one. Wouldn’t it be great if you had an assistant that was always there for you, when you need them? Meet the virtual assistant, a new concept that provides great solutions for small businesses and helps to give your new endeavor the manpower it needs

Salaried workers are much more of an immediate expense. You must provide a workspace, computers, supplies, and, you also have federal and state tax obligations. Don’t forget about benefits - sick leave, vacation time, holidays. Did you know the true cost of an “on-site” assistant is possibly double the cost of their yearly salary in terms of benefits and liabilities? Not to mention the “personality issue” of sharing physical office space with someone whom you are probably with more than your family! If it is not a “perfect fit” it can be a strain. Today’s Virtual Assistants are used to getting along with a wide variety of personalities due to the global nature of their businesses. We have a “built in” office manager hat that we wear which enables us to handle many difficult situations.

February 10, 2010

Profit Explosion

Being a web developer when you mention the backend, you immediately think of database and content management system. In this article we’ll talk about the backend in a different light. The major source of profits from your online enterprise and you don’t have to be technical to implement what you learn.

The backend refers to the income generated from the people that bought your initial product by purchasing from you again and again. The backend is where most of the money is made online. Getting the first sale is the most challenging part, once you’ve made your first sale, the customer will now how much value you’re adding into their lives. A lot of marketers are happy to make the first sale with little or no profit because they realize the potential for profits in the backend. You can email your customers whenever you want and when you create a new product, there’s an instant explosion of sales.

Heres an example, let’s assume you have a product that sells for $49 and you move 10 per week. After 6 months that’s a tidy profit of $12 740. Let’s say you launch a new product that sells for $97 and send an email to all the people that bought your first product mentioning a 3-day only sale

If 20% (a reasonable proportion) bought your next product, that’ll be 52 people buying a product at $97, you’d make $5044 in just a few days. That’s over 10 weeks of normal sales in just 3 days, spectacular!

Now what you can do, is pre-program an autoresponder so that those people who now buy your first product after a few days have the opportunity to buy your second product. That’s a automatic system to upsell your customers and improve the amount of sales per visitor to your website. Initially, focus on that first sale and this knowledge will no doubt prove profitable.

Hope you received useful information in this article.

Do One Way Links Help My Search Engine Results?

One way links are a tool that can be quite beneficial to the webmaster. The webmaster’s ultimate goal is to have many visitors coming to his website in the hopes that they will look around and even make some purchases. The problem is, though, that you have to get your visitors there. One way links may be able to help you. They help to create traffic to your website so that you will achieve a better rank in the very important search engines.

What is important to note here is; that there is no 100% perfect way to get at the top of the search engine results. But, there are many things that you can do to work your way up this ladder. One of them is using one way links. These links are quite simply a link to your website from someone else’s website. Even though you have your link on their page, you do not have to put their link on your page. That’s a nice benefit because it keeps the visitor at your site, rather than wandering off. Also, it is beneficial because the other website owner (the one that your link is at) is going to do his best to get traffic to his site. Some will come to yours through his website. That means increased traffic from minimal amounts of work.

Why Does A One Way Link Rank You Better?

This is the bottom question. Why do search engines think that your website should rank better when you have one way links to it? One reason for this is because if your link is there, the website owner is attesting to the quality of your website. In fact, the search engines also believe that these links are better than reciprocal links because of this fact. The search engines are even ranking those websites that use quite a few reciprocal links less highly because of this fact.

Because the other website owner is committing to you by placing your link on his page and not getting anything back in return, this is held at a higher standard than those that purchase reciprocal links.

How To Get Them

Of course, the hard part is getting the one way links in the first place. Not many webmasters are going to provide this to you if you just ask. If you have excellent quality content that is directly related to their website, they may do so. More than likely, they will want something in return.

One method that many have found that works well is to use article directories. Here, you will produce a well written, informative article (or more) about elements that may be in your website. Then, at the bottom you simply add in your link and information. Webmasters come to the directory to find solid, quality content to put on their website. To use your material, they have to use your link too. It’s a win win situation because now you have a one way link on their site to yours.

One way links are a tool that will help your website rank well in the search engines.

February 9, 2010

How To Boost Your Affiliate Sales With Press Releases

The best way to boost your affiliate sales is to create something original and let people know about it--break out of the "me, too" crowd and do something different.

There is a common misconception among affiliates that they are "stuck" with the marketing materials the product owners provide, and unable to do anything of their own.

This is, by and large, not true. If you're not sure, ask. Most affiliate managers will okay outside materials if they can see them first.

Your first step is to create a free report. This sounds like a monumental task, but my own free report, "Ahead of the Pack," available at my web site, shows you how easy it is.

The easiest way to write a report is to compile a list of 5 or 7 tips, and write a few sentences on each one. If I were an affiliate for a book on resumes, I might write "5 Tips for a better resume." Then I'd use the report to lead to my web site selling the resume book.

The next step is to set up a way to capture email addresses--either by offering the report as an autoresponder series or by requiring signup to your newsletter to download the report. Tips reports work very well as autoresponder series, and you can follow up periodically.

Finally, let people know about your report using a press release. My free report "Power Press Releases" makes this super simple.

Basically, you need to write Who (the person who benefits, not you), what (the free report), when (available now), where (at your web site), why (why this report is available) and how (how it provides the benefit).

I realize time is scarce, and people who don't write for a living often think it's much harder than I do. But I can almost guarantee that if you sit down and write a quick report and publicize it with a release distributed by the top free distribution services, you will make more affiliate sales and it will more than make up for the time you invest.

7 Bookkeeping Basics

Most people probably think of bookkeeping and accounting as the same thing, but bookkeeping is really one function of accounting, while accounting encompasses many functions involved in managing the financial affairs of a business. Accountants prepare reports based, in part, on the work of bookkeepers.

Bookkeepers perform all manner of record-keeping tasks. Some of them include the following:

-They prepare what are referred to as source documents for all the operations of a business - the buying, selling, transferring, paying and collecting. The documents include papers such as purchase orders, invoices, credit card slips, time cards, time sheets and expense reports. Bookkeepers also determine and enter in the source documents what are called the financial effects of the transactions and other business events. Those include paying the employees, making sales, borrowing money or buying products or raw materials for production.

-Bookkeepers also make entries of the financial effects into journals and accounts. These are two different things. A journal is the record of transactions in chronological order. An accounts is a separate record, or page for each asset and each liability. One transaction can affect several accounts.

-Bookkeepers prepare reports at the end of specific period of time, such as daily, weekly, monthly, quarterly or annually. To do this, all the accounts need to be up to date. Inventory records must be updated and the reports checked and double-checked to ensure that they're as error-free as possible.

-The bookkeepers also compile complete listings of all accounts. This is called the adjusted trial balance. While a small business may have a hundred or so accounts, very large businesses can have more than 10,000 accounts.

-The final step is for the bookkeeper to close the books, which means bringing all the bookkeeping for a fiscal year to a close and summarized.

Online Business - Work From Home - Entrepreneur

Do you remember when you first heard of Ebay. Online auction place. Who thought back then it would end up being so big and so many people would be using this auction site. Most of us are aware that you can auction off just about anything on Ebay. People are making serious money selling products online at Ebay. It is also a great resource to find those hard to find items.

Have you checked into the many possibilities on the web to making some serious cash? There are so many ways to work from home and run your own business. You can buy products wholesale and setup your own internet store. If you do not want to stock items you can find companies that will drop ship your products for you. There are even programs you can buy online that are a complete system that shows you how to do this. Did you ever think you could get your own business up and running for roughly under $100 dollars?

You can make money selling ebooks, writing articles for websites, creating websites...
There are so many ways to make money on the internet today. It just takes a little research and then time on your part to really learn the best ways to promote your idea and become knowledgeable about all the different ways to advertise online.

Do you have what it takes to become an aspiring entrepreneur to start and manage a home based Internet Business? Do you have the Entrepreneur Bug?

Seems with the growth of the World Wide Web more people are becoming entrepreneurs. Just what is an Entrepreneur? There are many definitions the most simple is a person who owns, operates, and takes the risk of starting a business venture. An entrepreneur can also be known as an inventor.

Do you need to invent a product to be an ruthless entrepreneur? Absolutely not, just take an already existing product or idea and create a business and profit from it. Organize a business venture and assume the risks for it. Come up with your own niche to get clients, close deals and start making some serious money. What ever you decide to get involved with you should make sure you really know your product inside and out. What are you waiting for? Start brainstorming today and make your dream of being independently wealthy a reality.

Learn How Entrepreneurs Make Millions

There are three basic ways of earning money which include trading time for money, trading money for money and trading expertise/value for money.

Society and the formal education system promote the first method of earning money which involves trading time for money. In other words, you work for someone else for a specific amount of time and then they pay you. Working for someone else drains your energy and you don’t make much money.

The second way to earn money is utilized by a small portion of the population and involves trading money for money. In other words, you are earning money through investing. Investing can be risky because if you lack additional funds then how can you invest any money in the first place? Therefore, many people can’t even try this option because they only have enough money to pay their bills.

The third way to earn money is the best option. This entrepreneurial option involves trading expertise/value for money. This is the strategy of entrepreneurial experts. You have a flexible schedule, work less, and earn more. You can make thousands of dollars a day in this option.

In order to earn money through trading expertise/value for money you need to first figure out who you are and what you can give to others. What information do you know that could help others? You can find value from previous work experience or even from your hobbies. From this you can create your intellectual property.

What is Intellectual property? How big is the market for Intellectual property? Is there room for you in the Intellectual property market? These may be a few of the questions you have when you are investigating the information marketing business. First of all, anyone can create intellectual property. You don’t need to be a Rocket Scientist. You just need to have an area or expertise, or access to an expert, and a drive to succeed.

Intellectual property combines e-commerce and book publishing. For example, you can write and sell an eBook. Recent research has found that approximately 6 out of every 10 American adults surf the Internet on a daily basis seeking out entertainment, education, and to shop for products. People are more comfortable buying online then in the past. The market through the Internet is global and encompasses millions of people. Therefore, the information marketing business has room for everyone!

When you market on the Internet, you market to your niche. Therefore, you don’t have to worry whether or not your neighbor will want to buy your product. The Internet opens the niche market for you.

If creating and selling intellectual property on the Internet is so simple, why isn’t everyone doing this? The formal educational system and previous societal beliefs are to blame. In school, we are taught to finish school and then become an employee at a company. The entrepreneurial spirit is not promoted; in fact it is almost shunned.

Don’t let societal beliefs stop you. The intellectual property market is wide, diverse, and ready to fill your pocket book with cash.

February 8, 2010

Can You Get Rich Investing? Yes, But Think Differently!

Remember back in the 1990s when a lot of people either retired early or became wealthy? It was relatively simple. With stock prices going up, up, up, I knew a lot of people who simply invested part of their paychecks. They ended up with several hundred thousand dollars in profits from their constantly rising stocks.

I knew others who had already amassed several hundred thousand by the time the stock boom came along. They were millionaires by the time the 1990s ended.

Ah yes, those were the days. Today most people will tell you it's a lot harder. Stocks don't seem to do much any more. You have to invest in risky emerging countries to see much return. And that chance can evaporate overnight taking your money with it.

When the stock market won't bring you any return, most people turn to real estate. But housing prices have peaked in most cities, meaning you can't just buy a house and sit on it for several years to earn a fat nest egg.

So does that mean we have to give up on ever getting ahead and just learn to be satisfied living the "average" life our jobs can provide?

Not necessarily. These days you have to think differently to get ahead. For example, you've noticed how manufacturing and jobs are heading out of North America to foreign countries. That's bad news for many workers, but it's GREAT news for some segments of the Foreign Exchange Market.

You see, when we buy products from China, or Japan ships products to England, all kinds of currency has to change hands and be converted. There is BIG money in that process.

FOREX, the foreign exchange market, handles 2 TRILLION in transactions EVERY DAY. That's far more money than what Wall Street handles. Just about anybody can jump in and pull out quite a profit for themselves by participating in the FOREX process.

Does all this sound a bit new to you? Most North Americans have heard very little about FOREX. They've got BILLIONS of dollars sitting in savings accounts and low yield investments that could make them a LOT more money in the Foreign Exchange Industry.

If you're thinking helping all those millions get their money transferred to FOREX is a HUGE opportunity ripe for the picking, you're RIGHT!

I hope my article has opened your eyes to some of the terrific opportunities that are being created now. Rather than looking back to the good old days of the booming American stock market and waiting for those times to return, refocus your attention on what is really happening right now. Your fortune lies in seeing more clearly the awesome opportunities at hand.

5 Things You Must Do If You Want To Attain Financial Freedom Through Forex Trading

With the amazing growth of the forex market, you are going to see an astounding amount of traders lose all their money. Unfortunately, they haven't followed the simple steps I have laid out for you. Go through these steps and give yourself the greatest opportunity to achieve your goals.

1. Have Faith In Yourself

To reach the level of elite forex trader, you must trust in yourself and your forex trading education. You must be willing to make all your trading decisions, instead of relying on someone else's thoughts or ability (or lack of). Of course, you will prepare yourself fully before every risking any money.

2. Accept Your Learning Curve

Unless you are a veteran trader, you will lose money trading the Forex market. This is a near certainty. I don't say this to talk you out of trading. In fact, quite the opposite. You will be trading against others that fall to this reality day in and day out. You, however, will not risk a dime until you have learned the skills you need to make money trading the forex.

3. Decide What Type of Trader You Are

There are many ways to trade the forex. They range from very active to very patient. You must decide which style suits you best. The best time to learn this about yourself is while you are trading a demo account. There is no need to allow your learning curve to cost you money.

4. Get Educated

Education is the shortest path to elite forex trading. Regardless of your ultimate goals, you will reach them quicker with a great forex trading education. Take some time to review different options before deciding on who to trust with your forex trading education needs. A forex seminar will help shorten your learning curve drastically.

5. Continue to Get Educated

In order to achieve and retain elite forex trading skills, you must constantly be adding to you knowledge base. Your education should never end. In fact, one of the key points to look for in an elite forex trading course is ongoing education. It's nice to have an ongoing relationship with the person/people helping you to achieve your goals.

What separates an elite forex trader from all others is their desire and ability to be independent. Many traders are willing to follow signals, systems, strategies, or anything else you may call them. By taking this approach, however, these traders are only as good as the people they follow.

An elite forex trader will lead. Their decisions will be calculated and analyzed to near perfection. They will make decisions with no hesitation, and handle the growth of their account in a predetermined, intelligent fashion. Take your trading to their level and you will never look back.

February 7, 2010

Life Insurance - Apprehensive About Insurance Coverage

Life insurance is a very important issue that you should address sooner than later. As we all know all good thing s come to end and in some sad unfortunate cases it is where we may have lost a loved one (suddenly) therefore leaving you unprepared for all the expense involved to give your dearly beloved a decent burial/funeral - so therefore Life insurance is the best plan B any one could have at times like this to help with funeral costs and any debts left behind by the deceased.

Just how important is Life insurance and what will you gain from coverage - well for one it offers peace of mind for those at troubled times where there may have been a bereavement or an accident and it also provides instant cash payouts if a death has occurred.. Insurance proceeds you will find are a reliable source that you can depend upon when times are hard and the going gets tough.

Claim peace of mind by going along to an insurance broker to talk on Life insurance. Insurance companies have well trained staff at hand that can give you good advice and support on what best suits you and your family`s needs and better still your budget. By doing this you will have secured your own and anyone close to you a little sense of security.

Insurance means assurance where you can rest assured that you have done the right thing. After talking to experts in the field of Life insurance you will find that they also can help with all types of insurance policies, like home content and accidental breakage. Payouts can help with hospital treatment and expenses that may incur from dental surgery even pet coverage options.

If you have a young family dependant of you then this is more reason to finalize some financial backing in your time of need should you be unfortunate to lose a partner or family member through a tragic accident or a sudden premature death.

Information on insurance policies can be found online. If you still feel a little apprehensive, don`t be, speak to others who have insurance and is familiar with the whole procedure - this may help you a great deal in understanding the importance of it all. Remember the decision is yours but if you decide to go forward with taking out some security like Life Insurance then you will find that you have made the best decision you are ever to make.

Don't Forget to Say, "Thank You"

One of the biggest mistake for job seeks is to not follow up an important interview with a thank you note to the people who interviewed them. Human Resources experts note that as few as 10% of interviewees take the time to say, "thank you." Let's take a look as why writing a thank you is the right thing to do and list some tips on how to write one.

If you are a candidate for a particular position you need every edge possible to land a job. Writing a thank you note is important because:

1. It reinforces your interest in the position.

2. A note shows your professionalism and suggests that you are organized, reliable, and efficient. It also underscores that you know how to deliver a personal touch. If your job is in customer service, companies will see the note as especially advantageous.

3. It proves that you understand proper business protocol.

For two candidates of equal strength and competency, the thank you note may be the tiebreaker people of hiring authority will use when selecting the winning candidate.

Content of Your Thank You Note

Your thank you note should mention the following:

1. Reiterate your interest in the position.

2. Reiterate one key point of the interview. For example, if you learned that the company is launching a new product line the following year and you will have an important part in its launch, you could state how you will further the goals of the company in helping to roll out the new product line.

3. Stress that you are looking forward to a follow up meeting. Optional: Tell the person you are writing to that you will contact them within a certain time to follow up.

You can either type or print your note. If you type, use standard business paper and a matching envelope. If you write, a thank you note card or a generic card are acceptable. Be careful not to get anything too flashy unless your field is flashy {e.g., the fashion industry}. Email isn't wrong, but you have no guarantee that the person will receive your note unless you request a return receipt. Approximately eighty percent of all email is spam; why risk having your thank you note lost in a junk mail folder?

In this age of strict competition for plum positions, you cannot afford to not say thank you in writing. Give yourself every edge possible and use the thank you note as your opportunity to show potential employers why they should hire you.

Don't Let Your Fear Stand in the Way of Franchise Ownership

Resist the negative words of people that will move you from business ownership. There has not been a more suitable world to end the debate and move toward owning a franchise. This is the place to learn more about the swell business franchises.
Long hours and fear of failure restrain some from capturing their desire for franchise ownership of the franchise. If you are going to make it in business you do have to work hard but this can be greatly reduced with a franchise for sale. A franchising opportunity is simply a business that provides a company’s merchandise in a territory contracted between the franchisor and the franchisee.

Franchise owners benefit from what has been learned of people that have given many hours of their lives creating a successful business organization. When you start a business on your own with no help you can only guess at the difficulties ahead, but if you decide to buy a franchise instead of going it all alone, the problems that entrepreneurs run into have already been worked through by the franchisor. Often said in franchise Opp commercials is that you go into business “for yourself, not by yourself,” and nothing can be truer.

From the franchise company you also get the best training in the business world. A common way to learn a skill is from a master, but how often are you able to get to the very best? If you buy a franchise opportunity you get educational training from the most skilled people in your franchise industry; a group that has done it all and know how to handle the rough times. The educational methods for every franchising opportunity diverge, however. Many include training on the best methods for good sales of the product or service, finding the best employees, bookkeeping and inventorying, and all other techniques needed for running a profitable franchise. Excellent franchisors will send human support to instruct and support you as you get everything in place to open your new business and will remain by your side until you are comfortable managing the day to day tasks without constant help. The franchisor wants you to succeed just as much as you do so any franchise will have an excellent training program.

One important advantage of owning a franchise business is that you get help in the marketing area, so that you don't have to become a marketing expert. When you own your own business you need to keep up with the day to day affairs of the business, so you don't have to be a marketing expert because the franchise opportunity takes care of it for you. A portion of the fees you pay as a franchisee go towards marketing. That doesn’t mean that you still can’t be a student of marketing. In fact, a lot franchise opportunities help out with plenty of free market research and info to the franchise owners and a lot of how to information from your franchise education and from then on out. A benefit of owning a franchise is the marketing assistance. Don't forget that as you consider a franchise.

The economy is adapting and no matter how much a company appreciates their employees the bosses can't guarantee a future. The only way to secure your destiny is to grab life by the horns. After you own a franchise the hard work you do is realized in your profits. When owning a business franchise you create a future for the ones you love that will be appreciated for generations. A franchise is the way toward success, so don’t let the financial instability keep you from becoming one of those that have beat fear and found business ownership.

5 Good Reasons a Self-Employed Professional Should Take Vacation

So you think you're not justified in taking time away from your business because you're self-employed? Here are five great reasons why you should definitely take a vacation:

1. Physical down time
You work hard to grow and maintain your business. Trying to be superhuman will certainly take its toll if you allow it to. Give your body a break by taking in some R&R.

2. Mental down time
Your days are filled with busy, sometimes even hectic, day-to-day activities related to your business. If you don't allow yourself to get away from it once in a while, your peace of mind and general well-being will most definitely suffer. Get out and play. Your mind will thank you!

3. Spend time with loved ones
Your family and friends see you working, working, working, sometimes rarely coming up for air. Both you and they will appreciate spending some quality time together.

4. See the world (or your own back yard)
The important thing is to do something you enjoy, whether it's traveling or, if that's not your cup of tea or you don't have the budget for it, spend time at home. If you also work out of your home, this could be challenging. The key is to stay out of your office during your vacation time. Try getting creative with this. Make your office "off limits" by closing the door and placing a sign on it. Do whatever it takes to keep your mind off working. How about a hobby or a day trip to the beach? Think of what you can do within your budget that's fun. Or do nothing at all!

5. You have a life
Although this one is a no-brainer, it surprises me how many small business owners don't feel as if they deserve time off. There is too much to do, and not enough hours in the day to get it all done. Well, I've got news for you. It's always going to feel that way! Only you have the power to allow yourself time off. Even if you prefer only to take a day here and a day there instead of a week-long (or longer) vacation each year, that's a whole lot better than never taking time off. Trust me, you'll feel better about yourself and your work if you take regular vacation time. You'll be healthier, too!