Brainstorming To Start A Small Business – Questions To Answer

Hello readers and potential future entrepreneurs. I understand the feeling; desire to create, operate, and succeed. Throughout my professional career, I have learned that there are numerous steps that must be taken in order to organize opening and operating a small business. I have put together a few questions which aspiring entrepreneurs should, at the very least, consider reading over. There are many questions that may arise with opening a small business, and I will address a few of those questions briefly in the following list of questions one may ask while brainstorming.

What type of business do you want to open? There are various business endeavors an entrepreneur could involve themselves in. It all comes down to what knowledge one has, or is willing to obtain. Are you a restaurateur? Repairman? Plumber? Home health / assistance? Do you have experience managing or working at such establishments? Do you need formal education from an institution? Will you work as a sole proprietor, or a partner / member? Research limited liability corporations (LLCs) in addition to sole proprietorships and partnerships. S corporations are another option, but they are for business with stockholders, and may not be right for your particular business application.

What kinds of licensing and/or permits are required? Each business will have different licensing requirements; it all comes down to what the entrepreneur ultimately chooses to do. A restaurant would need food safety licensing in addition to basic business licensing, and if alcohol is on the menu – there is another permit the entrepreneur would need to legally sell alcohol on the premises. Repair oriented businesses would need at least the business license to repair, but if they sell parts as well, they would need to have “retail” listed on their business license in addition to “repair”. Health care services require at least formal education and licensing as an LPN, RN, or one of several other health care related licenses. Be sure to check your state’s laws to ensure what is necessary to operate your type of business.

What training / education / certifications are required to legally run this business? We touched upon this in licensing / permits, however there is much more involved than the required licensing. For example, one cannot operate a vehicle collision repair business without the knowledge of performing those types of repairs. There are schools that can be attended to learn what must be learned to effectively operate nearly any kind of business. However, there are also businesses where experience is enough to operate effectively without needing any formal education (lawn care, house cleaning just to name a couple). Also, there are certifications for training in nearly, if not all, care industries.

Does this business require a storefront? Retail establishments will undoubtedly need a storefront. Bear in mind, retail business will have a much larger initial investment than a service based operation. That initial investment is inventory. Some service businesses may not need a storefront to operate, as much of the service performed could very well be on-site. If a storefront is necessary, be sure to consider delivery or on-site service if it is feasible for your operation.

How much will it cost? This number will vary wildly based on the type and size of business you are planning. For smaller businesses, this number could be as low as $200 for a license and/or permit, or as high as a million dollars or more. Obviously, inventory is very expensive, and so are specialized tools for performing extremely precise work. Calculate the expected opening and operating expenses. Determine what size storefront is needed (if applicable), and research local commercial realty properties, locations, and prices. It is absolutely cheaper to rent in the short-term, although the thought of owning property that is paid off is very tempting. Prices on most things will vary based on your location. Employees are another cost, if your business warrants employees. When employees come into the equation as opposed to sole proprietors or partnerships, one must add extra insurance for the business (unemployment insurance comes to mind). Check with your selected insurance company for which types of additional coverage are required, and if offering health insurance can be done reasonably. Those employees will also need to have taxes paid on their wages – part from the employee’s paycheck and part from the company. Another potential cost is repayment of loans, if you don’t already have the capital needed to open your business. Basic operating expenses are not to be forgotten, as heating/cooling, Internet connectivity, and utilities will be regular expenditures for any storefront. On-site service operations cost very little when compared to a physical storefront.

How can an individual pay for this? If you do not have the funds available, which is very common, applying for loans is a way to attain funding. Be sure to have a business plan with projected expenses and revenues. There are other ways to gain funds for a business. Look into grants. While they are not very common, they are a potential source for assistance nonetheless. If many people believe in your dream, one could possibly acquire donations from those individuals.

What about accounting? Bookkeeping is a necessity – research which accounting/bookkeeping software would work best for the type of business you are planning. Point-of-sale (POS) systems are needed for “ringing up” and selling inventory or goods to the customer. POS systems keep track of sales, sales taxes, employee labor dollars spent, and many other items. If you are apt at creating spreadsheets, you may be able to keep track of your own inventory depending on your particular business model.

I hope this brief listing of questions and potential answers has been of assistance to aspiring entrepreneurs. Although there are countless successful entrepreneurs who have little or no formal education in business, it is never a bad idea to research courses regarding administration and management. Be sure to take a look at the Small Business Administration’s website at http://www.SBA.gov for more helpful information.

The author, Johnathan Baker, is an educated entrepreneur, with over ten years of experience in small business administration and management. Opening any type of business is no simple task, as many things must be considered. With experience opening, operating, and managing small businesses, the author aims to help aspiring entrepreneurs in realizing their dreams. While the questions are not all inclusive, they are, at the very least, a good bit of information to consider throughout the beginning processes of opening a small business. Take the information provided and begin or continue working on your business plan on the road to entrepreneurship.

Posted in homepage, Uncategorized | Comments Off

The Best Places For Destination Weddings

Wedding bells are ringing everywhere! If you’re someone who is planning to get married on the coming year then you need to read what we have to say before you make any further wedding plans. For all us, the day we get married is probably the most important day of our lives and we want to make sure it is arranged that way as well. To do that, you don’t necessarily have to throw a grand wedding at the most expensive place around. A simple and much cheaper alternative is to get married at one of the following locations which are known for their exotic beauty and their services all of which are at your beck and call for very economical prices. And before you move on, here’s a tip – if you’re planning a destination wedding make sure you book flight tickets well in advance!

1. Belize:
This place is on top of our list of wedding destinations and the reason for that is because it offers so much for so little. The place has some extremely beautiful destinations and rainforests as well as old Mayan ruins. Oh and let’s not forget that this place is also home to the second largest barrier reef in the world. The best thing about this place is that instead of being filled with expensive resorts like most of the other exotic travel locations, it has a lot of economical lodges and the sea food here is divine yet cheap too. So you can even host a wedding feast filled with exotic sea food but still save a lot in your pocket.

2. Jamaica:
The best thing about Jamaica is that it provides you with a choice of two very different and equally beautiful locations. You can choose to get married on the white sandy beaches or near the Rocky Mountains depending on what you like. Or maybe you could get married on the beach and throw the dinner or reception in the mountains to get the best of both worlds. And on top of that, the arrangements here are really cheap as compared to other travel destinations.

3. Vermont:
This small collection of beautiful landscapes and homey villages is probably the best travel destination to get married in. The scenic beauty here gives you the perfect backdrop to take your wedding vows and have a fun pre or post wedding shoot too. There are a lot of cozy and warm bed and baths here as well as halls where you can hold your wedding party. And the best part of this is that you can get all of this at very very economical prices.

Now that you know the best places to get married in, we suggest that you start planning for your perfect destination wedding and make sure you book flight tickets well before time so as to avoid any unnecessary delays and problems in your plans! All the best! Cheers to new beginnings!

Posted in homepage | Comments Off

How to Get Rock Solid and Hard Erections Without Prescription Drugs

Living with ED is not easy for men. It can be a big blow to their confidence and self-esteem. What makes things worse is that most of such men choose to suffer in silence without getting proper treatment. Just visiting a doctor for getting treatment can be a soul crushing experience for most of such men.

Prescription drugs like Viagra, Cialis etc. can help you get rock solid erections but they should be taken with care. They should never be used without consulting a doctor. Secondly, such drugs can produce a lot of side effects and some of them could be as severe as a heart attack or stroke.

The good news is that its possible to get rock solid erections even without using drugs. Here are some highly effective ways to do so:

1. Begin Working Out

Exercise offers a lot more benefits that you can think of. It’s not just great for your overall health but for your sexual health too. Good blood flow is the most important benefit of exercise and it’s important to keep in mind that increased blood flow to the penis is what helps you achieve a rock solid, stiff and hard erection.

Secondly, exercise also helps a great deal in enhancing your male sex hormone testosterone. Lack of testosterone remains one of the underlying causes of erectile disorder in men.

Exercise helps you stay which helps improve your own body image so that you feel more confident of yourself. The more confident you, the better you are likely to perform in bed.

So, step on your gym shoes and workout for at least 4-5 days a week. A regular workout can help boost your energy levels that will come in handy while having sex.

2. Start Doing Kegels

Kegels are exercises that can help strengthen your pelvic muscles. These exercises are great for increasing your ejaculatory control. What most men do not realize is that they can be great for your erections too. This is because they can help boost blood flow to the penis.

Kegels are fairly simple to do and you can easily find out how to do them online.

3. Cut Down Stress and Get Enough Sleep

Stress is a major libido killer in men. It can lower your testosterone levels too. Thus, by reducing stress it is possible to boost your testosterone levels resulting in greater sexual potency. Yoga and meditation are some of the best and proven ways to bust stress.

Getting enough sleep is also important. Lack of sleep tends to elevate stress hormone cortisol in the bloodstream which affects testosterone production. Try to get to bed early and sleep peacefully for at least 7-8 hours each day.

4. Try Natural Male Enhancement Pills

Natural male enhancement pills are a great way to deal with ED. Such pills are becoming more and more popular because they can help you get great results without any side effects. They are a perfect blend of herbs and other natural ingredients that have been used for hundreds of years to boost sexual potency in men.

5. Try Natural Male Enhancement Patches

Just like pills, natural male enhancement patches are also made with herbal extracts and other nutrients. They are quite easy to use. All you need to do is just apply a patch every day on your thighs or lower abs and you are done for the day. The ingredients get released directly into the bloodstream through the skin pores bypassing the digestive system. What it means is that there is very little wastage of ingredients. Digestive juices tend to neutralize a major part of the ingredients (in case of pills).

What it also means is that a small dosage can help you get the desired results.

Such a patch can help you get rock solid erections and a raging libido. They can also help boost your staying power over time. The best part is that good quality patches are recommended by doctors and they do not have adverse side effects.

So, if you want to get rock solid erections, check out the Best Penis Patch that has helped thousands of men like you over the past decade.

Posted in Uncategorized | Comments Off

Different Uses of Graphite

Graphite felt is available in several thicknesses and widths to match the specific application. It is most commonly used as an insulating material, such as cladding, heat shields, or filters. Most of the felt is low density to help improve performance by letting a furnace or similar object heat and cool at a quicker rate. This low density also helps to control and stabilize the temperature to create the atmosphere that is more constant and maintains the more productive heat all the way through.

The felt can have an extra coating which is useful to give more protection against erosion. Graphite felt is made to be easy to cut to size and install in place. Plus, there is a rigid form of this material and created in a variety of shapes, such as rings, cylinders and baffles.

Here are a few of the popular uses of graphite:

Ceramics industry

The use of graphite is common in the ceramics industry to help increase performance while the furnaces are working at high temperatures, as well as giving greater mechanical strength and electrical conductivity.

Automotive industry

Graphite is the preferred material to use in place of asbestos in the automotive industry and can feature in a variety of areas, such as the brake lining and gaskets. Plus, it is a major aspect of brushes used in the electric motors.

Defense Technology

Graphite is a practical choice for a wide range of military aerospace vehicles because of the ability to endure high temperature ranges. Also, this material is a useful choice for space shuttles and applied as surface tiles. The material is very stable with high resistance properties, and can endure temperatures that reach up to 3000 degrees C.

Electronics industry

The use of an ultra-pure form of graphite is becoming more popular in electrical circuitry and components because of the increasing reliance on computers. Also, the graphite is a favored choice for electrical circuits and systems that rely on automation.

In addition to graphite, there is also a carbon fiber felt which is a similar type of material and useful in applications that need high temperature insulation, such as furnaces. This material also has high heat properties even with thin layers to provide the reliable and long-term insulation results. Plus, this material is able to avoid contracting or shrinking to help maintain the consistent heat and avoid issues with hot sports or cavities.

Posted in homepage, Uncategorized | Comments Off

Online Shopping for housewarming and weddings in Lebanon and Middle East Where does it stand today?

Why is Lebanese e-commerce so dormant?

The retail sector has evolved drastically over the past decade. Buyers are no longer limited by the physical presence of inventory, nor are they forced to vent into their overheated cars, get stuck in hours of traffic, only to find out that the overcrowded shopping center has run out of their favorite item.

E-commerce has allowed users to purchase anything they would like with the click of a few buttons and a couple of days of delivery time. Lebanon, with its increasing internet and credit card penetration, as well as its tech-savvy and trendy shoppers should be one of the region's first e-commerce adopters! Neverheless, Lebanon still relies very heavy on bricks-and-mortar shopping, while online shopping is only given a second (third, fourth, or fifth) thought! So why has e-commerce in Lebanon and the Middle East lagged behind the rest of the world? Below are the three major reasons why Lebanese e-commerce has been struggling to catch up:

1. Lack of viable payment portals:

The country has two reliably out-dated payment portals that do not integrate with the websites. As such, customers are directed to external links and forced to re-enter their credit card data for every purchase. This is highly impractical and reduces the ease of second purchases.

In addition to the out-dated nature of the payment portals, they command a monopoly on the market and charge exorbitant fees: $ 350- $ 500 initiation fee, 3.5-4.0% transaction fees, as well as $ 35- $ 50 / month "maintenance" costs .

Furthermore, the lack of Paypal and other online payment portals in Lebanon creates an incentive challenge for e-commerce businesses.

"Ease of payment" is ranked as one of the highest conversion factors for e-commerce businesses. Lebanon provides dismal options, and then online businesses struggle to provide dynamic options such as one-click purchasing and Paypal.

2- Lack of practical online shopping:

Most new e-commerce businesses in the Middle East have been set up to cater to the "trendy" and "hip" crowd. They offer flash sales of highly priced designer items, indexing of exclusive local boutique designers, or niche gift items that cater to niche consumers. Furthermore, the "old guard" of e-commerce in Lebanon provide the typical online gift selections flowers, chocolates, teddy bears, and other "one-off" emotional gifts.

With the exception of very few sites, most Lebanese websites have a very basic design with little attention to practicality and detail. Menus pop-up in impractical ways, data entry is challenging, and most products are not searchable.

Examples of these "old-guard" websites are:

Exotica flowers: This site charges high shipping costs, overcharges for its bouquets, and tends to deliver smaller and cheaper bouquets than it promises online (it's happened to me on multiple occasions!). Furthermore, they only deliver flowers! They are one of the highest ranking e-commerce sites in Lebanon at 1.3M globally (www.alexa.com). They also take credit for adopting the online delivery system early, although they have not felt the need to improve due to lack of a sizable competitor.

Buy Lebanese: Colors, fonts, sizes, photos, and boxes are not user-friendly. Neverheless, they rank pretty high on Alexa.com: 2.5M globally. This group takes credit for being one of the early adopters of e-commerce in Lebanon! Hat-tip to their foresight!

961 gifts: not sure about the website name, the design looks basic, but menu items are clear. Their product strategy is broadly based on flowers, perfumes, cosmetics, and brandless accessories – 4.2M global ranking

Examples of the newer "niche consumer" sites are:

Lebelik, Eezmeez, Marka VIP

Some of the newer websites have focused on great design and have achieved relative success in the hip and young markets. Nearheless, away from Marka VIP which is based in Dubai, none have managed to truly achieve a sufficiently large market.

3. Purchasing power is in the expat community

Businesses that focus on the local online purchasing power will struggle in the short term. Hopefully this will change as Lebanon progresses ( hopefully) . However, until then, the buying power for Lebanese e-commerce sites will be coming from Lebanon's expat community seeking to provide gifts to their families and loved ones in Lebanon. This creates a rather challenging market for e-commerce businesses. How do you target your Diaspora? Who is your target consumer? Is the market over-fitted with one-time gifts such as chocolates, flowers, and niche designer items?

How to fill the gap

As such we identified the need for the establishment of a practical well-priced website that provides customers practical and quality options for gifts or personal use. The reasons I believe that such a model will overcome the sector's challenges are:

A- The payment portal technology will inevitably improve, along with the market's trust of online payment

B- The market is arranged with one-off gift items that typically fall under the flowers, chocolates, and traditional gift items. Therefore, competition is minimal

C- The market has seen high quality designer boutiques pop up online, but these only cater to a niche market segmentation. Highlighting the fact that the adoption of online purchases is on the rise

D- There is no website that provides practical useful household gifts with high quality branded items

In summary, there is a gap in well-priced high-quality branded items online in the Middle East and Lebanon. There is a gap in websites that provide quality household items such as Riedel, Nambe, Pip Studio, Bodum, Greenpan, Images D'Orient, Voluspa, as well as many other global brands. Rather than sending flowers, chocolates or highly-priced niche products, the consumer would not want to have an online option for:

A- Housewarming gifts to Lebanon

B- Wedding registries in Lebanon

C- Wedding gifts to Lebanon

D- Lebanese gifts that do not involve cheap chinese products, high-priced niche items, or flowers and chocolates!

Thanks!

Posted in Uncategorized | Comments Off

Why Has Online Dating Become So Popular?

The increasing number of dating sites goes to prove that this form of dating has become very popular. The fact is that these sites all have members meaning that large numbers of singles are trusting in them to find them the kind of relationships they could be looking for. But what exactly has seen to the increased popularity of the sites?

Exposure - If there is one major setback that comes with traditional dating is limited exposure to potential dates depending on where you stay and work. But with online dating, the boundaries are broken and you get exposure beyond your neighborhood and country. It is possible to meet singles across the globe and this comes is a good thing because the probability of you finding a compatible partner is quite high.

Convenience - Life can be hectic, especially when you have too many responsibilities because then it means you have less time to attend to other areas of life such as dating. The good thing about online dating is that you can maintain a relationship without having to interfere with your working schedule as it is the case with traditional dating. Considering that chats and emails are commonly used in online dating, you can handle them as you go about your usual duties and tasks. You also enjoy the flexibility of dating at any convenient time, even before retiring to bed something that would be impossible to do when you choose offline dating.

Flexibility - Online dating does not only make you flexible in time, but also in the number of dates you can have at a time. You can contact as many singles as you like and have the freedom to evaluate and drop them one at a time depending on your preferences. You can easily refuse approaches and end contact without worrying about hurting the feelings of other singles. You can also have more than one relationship going before making your choice without any awkward moments as it happens with traditional dating.

Variety – People have varying dating preferences. For instance, whereas some might be interested to date a different race, some would rather stick to their races and locations. Some might be interested in finding love and getting into serious relationships while others would rather do casual encounters with no strings attached. Online dating sites cater so such needs, offering a variety of all singles. Some sites actually accommodate singles from specific age groups and this is a feature that makes it easy for the singles to join the most relevant sites depending on what they are looking for. It is something that would be hard to do when dating offline.

Discretion – It is another thing that has made online dating popular today. When you join a dating site, you can keep it a secret for as long as you want or until a time when you are sure about the relationship and then you can let everyone who matters now about it. The privacy you enjoy can save you from ridicule that can arise from recurring relationship failures and it also gives you the freedom of enjoying relationships that would otherwise not be approved by people around you.

Posted in Uncategorized | Comments Off

Why Should You Take Care Of Your Car Windows?

The benefits of window glasses in a car are enormous. Up until recently, most cars were built with manual windows that you had to roll up and down with a crank. As nostalgic as they are, there are a few reasons they aren’t found in newer cars.
Power windows in cars offer several advantages, including:

CONTROL

It is true many vehicles have a master control pad on the console or the driver side door. If the kids are playing havoc in the backseat with the windows, you have the power to lock them. If you realize partway through your journey that someone left one of the back windows rolled down, you have the power to roll it back up with a push of a button or switch of a lever. You have complete control over every window in the vehicle, allowing you to focus on getting to your destination.

CONVENIENCE

As we mentioned, rather than having to put all your muscle into cranking up the window, power windows are controlled with a button, switch or lever. This makes it easier not only for the driver, but also for passengers with limited mobility to control his or her window.

SAFETY

Automatic windows have become a standard in today’s vehicles. If you have manual windows and would like to make the switch, it’s possible in almost any vehicle!

Window Damage Can Quickly Spread

When you notice a small crack or chip in your car’s window, it may be tempting to put off your repair services to another day. Over a period of time, the cracks can spread and cover a wide area. To prevent injury during an accident, it is necessary to have the crack repaired as soon as it forms on your window’s surface.

Window Damage Can Pose a Safety Threat

You are at a greater risk of sustaining injuries in times of an accident. The window which has already cracked can move out of its frame and cause injuries to you or your co-passengers in the impact.

Window Damage Can Affect Your Car’s Resale Value

In the event that you decide to sell your car, your vehicle will have a lower resale value if its windows have any signs of cracks or damage. Before you start the car selling process, it is a great idea to have your automotive glass damage repaired by a licensed professional. Taking care of your window damage will allow you to bargain a better price for your vehicle. A team of window repair experts can fix your cracked auto glass in no time.

SathyaNarayana B has done Masters in Applied Geology and he is interested in writing articles on travel, history, pet care, martial arts, medicine and natural remedies.

Posted in homepage | Comments Off

Tips To Help You Plan A Fulfilling Cruise

Cruises are some of the most exciting vacations you can choose to enjoy. They offer unbeatable value because you do not have to think about constant transportation needs from place to place and neither do you have to pay costly airfares to your destination. The cruises give you the chance to enjoy refreshing sea air helping you relax and simply enjoy the warm ocean breezes whenever. With so many ports scattered around the world, you can place a cruise travel to visit areas that you have always wanted to visit.

If you love water and water activities, then cruises will prove to be most rewarding to you. But then to enjoy the most pleasant experience you still need to plan properly for your cruise. When everything is in order from the initial stages, then you are bound to enjoy a fulfilling vacation on a ship.

1. Know the number of people cruising with you

If it is just a few of you, then planning should be easy, but you will need a lot more planning and coordination when you plan to travel with more family members and friends. If you are bringing children along, then you need to make sure that the cruise package has plenty of activities for them too. You can plan for a private kind of cruises or you can choose to pay for cruises that accommodate lots of other people headed the same direction you are. The important thing is to choose what works for you and the people you are tagging along.

2. Choose the best cruise length

Cruise packages differ in length and the vacation time you have available should help you select the length that is most suitable. A cruise can be only a few days or you can choose one that goes for a week and more. A weekend cruise can be a great choice for those with little time to spare. With so many destinations and packages, you should be able to plan a cruise length that you can afford and enjoy to the fullest.

3. Pick the best stateroom

People have different preferences when it comes to cruises and your stateroom choices should be guided by your vacation preferences. For instance, if what you dream of is lounging in a private balcony as you enjoy the gracious tropical views, then a balcony stateroom is the ideal selection. Couples can cruise in a suite or a penthouse to get the most from the cruise vacation. If you are a little pressed on a budget, then you can always settle for an inside stateroom. Some cruise packages can offer you additions such as 24 hour butler for your luxury experience.

4. Consider onboard activities

Even when you are going on a romantic cruise vacation, you will definitely need activities to fill your time on board. Find out what activities you will find on-board and how exciting they will make your cruise. Spa services, wine tasting, bingo, culinary demonstrations, live entertainments and others are some of the most popular on most cruises.

Posted in homepage | Comments Off

Why You Should Stop Boasting About How Busy You Are

An Accomplished Life

“Hi Tom, how are you?”

“I’m well Jane, just extremely busy.”

“Oh, I’m glad to hear you’re keeping busy then.”

“Yes, I’m flat out at the moment.”

The above interaction is one that takes place between people on a daily basis.

But what is behind the busyness?

Is it a way to deflect attention from what really matters?

People brag about their busy lives to highlight themselves living an accomplished life to their peers.

Similarly, they may wish to communicate how meaningful their work is and so it becomes a self-fulfilling prophecy.

Being occupied implies oneself is consumed with matters of significance. That is why people state their busyness, to have you know they are important.

Busy people struggle to keep their attention in the present moment because their focus lies in future events and planning for the next project.

“We become active and busy, but this doesn’t actually move us any closer to success. Activity is often unrelated to productivity, and busyness rarely takes care of business,” states authors Gary Keller and Jay Papasan in, The One Thing: The Surprisingly Simple Truth Behind Extraordinary Results.

I question those who have a hectic schedule as a method to divert their attention from connecting with their core self.

The title quote by the Greek philosopher Socrates, invites you to be wary of a busy life which can be barren.

The busy person is disconnected from others, simply because their attention is focussed on their own commitments. There is the impression of a purposeless life, masked behind the facade of a frantic lifestyle.

Busyness can be reframed to imply your pursuits are purposeful instead of busy.

Gary Keller and Jay Papasan affirm, “Don’t focus on being busy; focus on being productive. Allow what matters most to drive your day.”

Busy or Just Unproductive?

You can be busy but not productive and still chase your tail.

Beneath the busyness lies the unconscious desire to be rewarded for hard work.

People believe being preoccupied is impressive and associated with status. You must be pursuing something prestigious, otherwise you wouldn’t be busy.

I’m reminded of an episode in the Seinfeld sitcom where the character George Costanza, played by Jason Alexander, walks around the office looking annoyed. He realises that being busy is associated with stress and works hard to uphold this facade.

He appears irritated, causing his supervisor; Mr. Wilhelm to fear George is cracking under the pressure of his work.

While this scenario is fictional, it shows how people unconsciously use busyness to draw attention to themselves.

Similarly, you may believe multitasking is indicative of productivity. Busyness implies being on top of things which is often the furthest thing from the truth.

“Productivity isn’t about being a workhorse, keeping busy or burning the midnight oil… It’s more about priorities, planning, and fiercely protecting your time,” affirms associate editor at Psych Central, Margarita Tartakovsky.

The busy pandemic comes at a cost to people’s well-being and happiness. You may find it difficult to disconnect from work to spend time with family. These are the pursuits that rejuvenate you instead of deplete you.

Busyness can be a sign of procrastination. It is a smoke screen to cover up being overwhelmed and in need of help to prioritise your life.

Consequently, those in the creative field will tell you they are absorbed in their interests and not busy with work.

It was the late Stephen R Covey, author of The 7 Habits of Highly Effective People who said, “It is possible to be busy-very busy-without being very effective.”

The Demands of a Hectic Schedule

It is vital that you set clear boundaries if you wish to be fulfilled. Busy people find it difficult to say no since they do not wish to offend others or be seen as incapable.

I’m yet to meet a busy person satisfied with their hectic schedule. I’m certain they would trade their frantic life for: less work, more time and money.

Occasionally, you might be pulled by circumstances not of your choosing. Business may unexpectedly increase if you’re self-employed as you try to meet the pressures of growing sales. But that doesn’t mean you are happy if all you are doing is working to provide for the demands of other people.

You have a choice how you spend your time. To claim you are busy is failing to prioritise your time wisely.

“Everybody’s busy. Everyone does the actions. But were they the right actions? Were those actions productive? Did you take a step forward? These are questions that most people never take the time to think about,” reminds us author Jeff Olson in, The Slight Edge.

After all, what is the point of being busy and stressed to the point of exhaustion that your health and relationships suffer, just to improve your bottom line?

Surely, there’s a more efficient way to work in the 21 century while enjoying more leisure time?

Busy people are prone to being overwhelmed if they continue to drive themselves hard. It is not healthy to run yourself into the ground and expect to stop at the drop of a hat.

Something must give. That may be as excessive drinking to help you wind down or toxic behaviours such as: compulsive eating, gambling or whatever distracts you from what is important.

We all have the same hours in the day and how you spend it is entirely up to you. Many people squander their time running around believing they are productive, when they are simply busy due to their lack of organisation and prioritisation.

“We are so busy being enticed by our next endeavour that we forget to savour what is already there and could be deeply meaningful. It is useful to remember the adage “The more things change, the more they remain the same” avows author Bernard Roth in, The Achievement Habit: Stop Wishing, Start Doing, and Take Command of Your Life.

A better way to reframe busyness is to state you are productive or engaged in what you are doing. Conversely, communicating you have taken on more than you can handle, is a step towards reclaiming your lost time.

This is not a cry for help, but exposing your vulnerability to those willing to help you better manage your time.

Find ways to be less busy and more engaged so you are in Flow, as the Hungarian psychology Professor, Mihaly Csikszentmihalyi espouses.

Busyness is a not indicative of a rewarding life if all you are doing is jumping from one task to the next.

Those who manage their time successfully hold on to it like it was their last breath. They prioritise what is important and so should you.

I invite you to think with the end in mind as Stephen R. Covey conveys in his teachings.

Only then will you appreciate what really matters and worth devoting your time and energy towards.

Posted in homepage | Comments Off

The Secret My Lawyers & Accountants Didn’t Even Know About – How to Get a Business Loan

Stop! Turn off your cell phone.

Quit tweeting and texting for the next 4 minutes. Grab a cup of coffee.

Shut the door so there are no distractions. This is that important!

Because I’m about to reveal to you the greatest secret to getting a business loan for as much as $25,000, $50,000 or even $250,000 – even when the bank says “NO!” and even if you don’t have perfect credit.

I have to warn you though… Don’t pay attention to the credit card companies. Forget everything you’ve heard. You can actually hurt your chances of getting the small business loan you need if you follow their advice.

It’s true. Why? Because they’re more concerned about raking in record profit margins and reaping huge bonuses! They don’t care about your business or if you get a business loan.

Credit cards companies want you to keep piling up debt on your high-interest personal credit and hold you personally liable for your expenses.

Do you think they really care if it takes you 10, 20 or 30 years to pay it back? Or if lowering your spending limit for no good reason has affected your business? Or if your personal credit is destroyed while you try to build the business of your dreams?

Of course not. Not when it means more money for them! And let’s not leave out the banks. Business lending is at all-time lows. Think they’re interested in taking a risk, however small it may be?

The secret… How to get a Business Loan

But there’s a little known secret that most small and mid-size business owners don’t know about. Heck, even most credit card companies don’t advertise it. I didn’t even know about it and I’d been running businesses for years!

Accountants I’ve used for years weren’t aware of it. Lawyers who I’ve paid up to $700 an hour didn’t know about it. But I’m about to reveal it to you right now and it won’t cost you a penny…

I’m not going to make you read every word of this or make you jump through hoops to get the secret. I know you’re busy so I’m going to give it to you right now and then explain how to make this secret work for you.

Here it is: You can get a small business loan. Usually reserved for large corporations, there’s a 7-step process for small and mid-size business owners to get the business loan they need without a traditional personal guarantee.

Mystery solved! More about that in a moment…

Whether you’re looking for a start up business loan, have an existing business or if you’re buying a business or franchise, you can now access working capital.

Don’t have perfect personal credit? No problem.

It doesn’t even matter if you have less than perfect personal credit. You can still get business financing, whether that’s a merchant cash advance, or business loans with bad credit.

That’s right. You no longer have to rely on your personal credit to finance your business. You can rebuild your personal credit and create a business credit profile to get the business loan you need to grow your business.

Imagine not relying on just personal credit cards to finance your marketing, purchase inventory or pay for expenses… sleep easier every night knowing one misstep won’t cost you your family’s home… and get access to much needed working capital so you can expand. That’s a dream come true for many business owners I work with, especially right now.

Does this sound familiar?

“We’re very sorry to inform you that your credit limit has been reduced due to current economic conditions… “blah, blah, blah!

Take one client we’re working with right now. Mike owns a dozen wireless phone stores. This is his most recent venture after successfully running other small businesses for more than 30 years. And just like he’s always done, he financed his inventory with his American Express card.

Every month he bought $50,000 worth of inventory, sold it and paid it off before the end of the month. But just a few months ago, his purchase was declined. American Express reduced his credit limit from $50,000 to $30,000 without any notice – not because of anything he had done.

The only response he got went something like this: “We’re very sorry to inform you that your credit limit has been reduced due to current economic conditions… ” blah, blah, blah! So he had to scramble to find other ways to finance his inventory. A short while later his $30,000 inventory purchase declined. Why? Because his credit limit was reduced to $20,000. Then his credit was squeezed again to $10,000.

It gets worse. As his credit is getting squeezed American Express is reporting to the other credit bureaus that his credit is being reduced so they also follow suit.

Meanwhile, the amount of debt as a percentage of his total available credit or what’s called his debt utilization rate increases. This is one of the most important indicators creditors look at when evaluating a credit score – and Mike’s personal score was dropping like a brick.

When he came to us, we immediately showed him how he could separate his business credit from his personal credit and his first reaction was, “I didn’t know I could do this. Are you telling me that I could have been building business credit and may still be able to get a small business loan?”

The answer is, “Yes!”

We’re working with him to help him and he’s borrowed $100,000 that does not have a traditional personal guarantee.

You really can get the funding you need without putting your personal credit at risk.

I’ll show you how in just a moment. But first I think it’s important that you know a bit more about me.

I own a firm that specializes in helping business owners get the business loans they need to finance their businesses without sacrificing their personal credit.

If you’re like me you probably thought business funding wasn’t even an option.

As a small business owner (prior to starting my own financing company), I personally guaranteed everything because I thought that’s the way it was done. I even prided myself on how well I did it while growing my Internet marketing business. I started with a $5,000 line of credit on my American Express and I played the 30-day float. Over time, I was regularly spending $300,000 on my card – every month!

If anything went wrong the expenses would have crushed me. I didn’t have that kind of money to cover the costs! Fortunately, I was lucky enough to avoid disaster.

Posted in homepage | Comments Off