Saturday, May 23, 2015
EVERYTHING BEGINS WITH NEW OR DIFFERENT WAY OF THINKING
TURN BACK THE CLOCK OF YOUR FACE
Do you think different from most people around you? Good. Maybe this creates problems for you, you have a smaller group of friends, perhaps you associate with different people whose goals and values are similar to your own. As long as you trust in yourself and dont allow other peoples opinions to bother you, everything will be just fine.
Unfortunately, most people thrive on the failures of others. Instead of acting positively for themselves, they spend their time hindering the efforts of others. They don't like others to be better or do better than they are. They do nothing to encourage or support them, everything to divert and discourage them. They are the people who fill the bars at night and blame everyone else for their failures and lot in life. Afterwards, they go home in a bad mood where their annoyed wives and families are waiting for them. In the evening, they watch television that makes them even more depressed with all the bad news and negative coverage and then the day is over. Day after day, year after year is the same routine. Life goes on. There are many of these unhappy and negative people.
Pay attention to the expressions you see on peoples faces; the happy faces are rare.
These same people are surprised at their lack of friends. Who do you prefer to spend time with, a fun and happy person or a grumbling, negative one? Everyone prefers associating with happy and smiling people. Don't allow yourself to fall into a monotonous life enclosed in a circle of common mediocrity; adjusting to others around you, instead of following your own mind and heart, harms everybody.
Anytime you choose to bend to the will of others at the expense of yourself, you do harm to you and the other people involved. You may think you are being a loyal friend, but in reality, you are betraying yourself and your friend.
For example, a friend tries to convince you to start a business selling cosmetics door-to-door, like he does. You dont have any desire to sell cosmetics, but you dont tell him that because you dont want to offend or reject him. Instead of telling him you are not interested, you tell him youll think it over or come up with some other non-definitive excuse like you dont have time, you need more information or you tell him you may join later.
Your friend is now in limbo, living with the hope that you will join him selling cosmetics. The situation is now awkward for both of you someday, you’ll have to tell the truth or suffer to please him. Wouldn't it be better to tell him what you feel at the start, when your friend is not yet emotionally attached to the thought of sharing the same kind of business?
Of course, the situation is worse for him because an idea that you allowed him to believe was possible is now going to slip away.
HOT OPPORTUNITIES NOW AND FOR THE FUTURE - Home based business
Start Your Own - HOME BASED BUSINESS
Daily needs
1. Daily money management. Although older adults are able to live independently longer, many need assistance with tasks such as making bank deposits; paying bills; balancing checkbooks; reconciling bank, credit card, and charge account statements; organizing taxes and other paper- work; and filing medical claims. This business has grown from the fact that adult children often no longer live in the same community as their parents, and even when some do, they’re too busy to help manage their parents’ day-to-day financial affairs.
2. In-home care. Many seniors need help with the activities of daily living (ADLs), such as cleaning, cooking, driving to medical appointments, grooming, laundry, medication reminders, organizing closets, and running errands such as picking up prescriptions and especially shopping. In-home, non-medical caregivers provide these services, as well as much- needed companionship. House cleaning is especially important, because many seniors lose their visual acuity and simply can’t see dirt in kitchens and bathrooms that would appall them if they could. These services enable elders to continue to live in their own homes, avoiding placement in nursing homes. Also, because of the growing size of the senior market, research and development is creating new products and medical technology that should enable more elders to live at home with the assistance of people who lend a helping hand and in the process help control health care costs.
In-home health care is a separate service that is typically operated on a larger scale than can be done from home; however, smaller in-home health care providers in rural areas are sometimes home based. In-home health care is usually paid by Medicare or Medicaid, but sometimes families pay for in-home health care directly.
3. Personal-chef services. Personal chefs bring the groceries and their own utensils and equipment to cook in their clients’ kitchens. Typically, personal chefs who cook for seniors come in once every two weeks and package meals to store in the refrigerator or freezer for use until their next visit. Resource: United States Personal Chef Association, (800) 995-2138, www.uspca.com.
4. Pet services. Seniors love their pets, and research has proved pets are healthy for them. For example, seniors with dogs go to the doctor less, have lower triglyceride and cholesterol levels, and engage in conversation and social interaction. Thus, seniors are frequent customers for pet sitters and other pet services such as dog and cat training, mobile pet grooming, non-anesthetic dental cleaning, pet transportation, and pooper-scooper services.
Professional services
1. Geriatric care management. These professionals specialize in assessing the needs of seniors whose situations require special attention in order for them to continue to live independently. Geriatric care managers also coordinate needed services and negotiate their delivery with agencies. Because of certification requirements, being credentialed in gerontology, nursing, social work, or psychology is required in this field.
2. Professional advice. Professionals of all kinds — including accountants, clergy, financial planners, insurance brokers, lawyers, independent nurse practitioners, real estate agents, and psychotherapists are specializing in working with elders. Professionals and others can become Certified Senior Advisors by the Society of Certified Senior www.society-csa.com.
Special services
1. Relocation services. When life circumstances change due to health or finances, downsizing one’s home is something seniors often do, trading a now too-large or hard-to-maintain home for a smaller one. But moving is both physically and emotionally daunting. This has given rise to relocation specialists, who handle everything from packing to unpacking and setting up the new living space to make its new resident(s) feel at home.
2. Retirement counseling. A recent Gallup survey found 54 percent of American adults do not have a long-term financial plan and that 74 per- cent of these do not expect to have enough money to retire. This means a lot of work for retirement counselors to do. www.infre.org) offers a Certified Retirement Counselor (CRC) designation to financial planners and individuals with human resource and finance work experience in corporations or government.
3. Tour packaging. Travel is a high priority for the maturing population. When people approaching retirement age are asked what kind of travel they look forward to, travel that combines intellectual and physical stimulation scores high. So a home-business–based tour packaging business does more than make travel arrangements; it’s also about fulfilling aspirations for adventure for both mind and body. Most tour operators find niches — novel and unique tours or subjects focused on food, art, history, or other special interests, sometimes exotic, that require particular knowledge and expertise in order to create a satisfying tour. Unlike travel agents, who are in an increasingly difficult field, tour packagers generally do not sell tickets to their customers; they either pay for the transportation such as renting a bus, which is included in the tour pack- age, or the customers make their own travel arrangements. The tour package consists of the itinerary, hotel accommodations, food, and guide services
4. Virtual Retirement Communities. This form of retirement community enables seniors to stay in their homes by providing them with access to needed services at preferred costs from reliable vendors. Example: Beacon Hill Village, www. beaconhillvillage.org.
TURN BACK THE CLOCK ON YOUR FACE!
3 SECRETS OF SUCCESSFUL MINDSET!
TURN BACK THE CLOCK ON YOUR FIGURE!
Who doesn’t want to live a longer, healthier, and happier life? My hope is that by reading this post, you can use these safe, effective, and scientifically proven tips to slow the aging process in a real and lasting way. The good news is that you don’t have to overhaul your entire life—even making one or two changes can help you look and feel younger in just a few days or weeks. Once you get a few tips under your belt, add a few more to build on your success. It really is that easy, and whether you’re thirty, sixty, or ninety, it’s never too late (or too early!) to start.
Why are we concerned about your health? without good health it is difficult if not impossible to successfully think and conduct your business to realize success that is required.
1. Use Hyaluronic Acid to Fight Age-Related Wrinkles
As you get older, your skin undergoes changes at every level. The top layer (the epidermis) thins and loses protective fatty substances called lipids, making skin drier and less able to fight off infection. Arid climates or the dry air in winter can aggravate parched skin even more. Dry skin can feel tight and uncomfortable, accentuate wrinkles, and look flaky and ashy. Also as you age, the inner layer (the dermis)—the collagen and elastic tissues that keep your skin firm and plump—begins to break down, leading to wrinkles. These changes mean your skin doesn’t bounce back from injury as quickly.
Apply a moisturizer with hyaluronic acid right after you wash your face to lock in moisture; men should use moisturizer after shaving.
If you have sensitive skin, look for fragrance-free formulas rather than unscented, which just use chemicals to cover up smells.
If you’re acne-prone (yes, even adults can get pimples!), look for an oil-free moisturizer labeled noncomedogenic and non-acnegenic to banish breakouts.
Injectable Hyaluronic Acid Fills in Wrinkles That Come with Age
Researchers at Cambridge University in England note that injectable hyaluronic acid works best for deep wrinkles caused by sun damage, creases around the nose and mouth, and adding volume to hollowed cheeks and thin lips (areas that Botox, which works best on forehead wrinkles, can’t help). Manufacturers chemically modify it so that skin doesn’t absorb it as quickly, which means results can last up to six months. Using it repeatedly in the same area may lead to a longer-lasting result, possibly by stimulating new collagen production. Injectable hyaluronic acid is available in heavier and lighter gels with different molecule sizes, which translates to more flexibility for where on your face you can use it. Another plus is that most people tolerate it well; irritation and allergic reactions are rare.
Good Skin Care Habits Prolong a Youthful Glow
All the potions and anti-agers in the world can’t undo the damage from poor skin care habits. Even if you have a good regimen in place, as you get older your routine might need some tweaks. If your skin is still dry even though you use a moisturizer with hyaluronic acid, start washing your face only at night. Make sure you use a mild, soap-free cleanser (one study rated Dove, Aveeno, and Purpose as the least irritating) and lukewarm water to avoid stripping skin of its natural oils. In the morning, simply wet your skin and pat it dry with a towel. The other two crucial components to younger- looking skin? Don’t skimp on sunscreen and stop smoking.
2. Shield Yourself from the Aging Effects of the Sun
By some estimates, sun exposure accounts for nearly 90 percent of age-related damage to often- exposed areas such as the face, the back of the neck and “V” of the neckline, the arms, and the backs of the hands. Why, exactly, does the sun pose such a problem? Ultraviolet radiation falls into three wavelengths, but only two reach the earth: ultraviolet A (UVA) and ultraviolet B (UVB). UVA rays are responsible for long-term photoaging, while UVBs are the culprit behind sunburn. Both types create free radicals that damage healthy skin cells and make it harder for skin to heal, and both play a role in skin cancer. Ultraviolet radiation breaks down elastin and speeds up collagen loss, leading to wrinkles. It can also make your skin thicker in some areas and thinner in others, affecting skin tone and texture. You can chalk up brown spots and spider veins to sun damage as well. And while fair- skinned people tend to have more visible signs of photoaging than those with dark skin, UV rays penetrate deeply, damaging skin and increasing the risk of skin cancer regardless of your skin color.
Sunscreen Protects and Even Heals Sun-Damaged Skin
There are two types of sunscreens: physical and chemical. Physical sunscreens contain ingredients such as zinc oxide and titanium dioxide that scatter or reflect UVA and UVB rays so they can’t penetrate the skin. Remember lifeguards with those white stripes down their noses? They were using physical sunscreens. Thankfully, recent formulations are better able to blend in with your skin and are less noticeable. Physical sunscreens are popular picks for people with sensitive skin or rosacea.
A 2009 study found that adding antioxidants like vitamins C and E and epigallocatechin-3-gallate (EGCG) in green tea to a broad-spectrum sunscreen makes it even more effective in preventing sun damage. Since no sunscreen can block all UV rays, some radiation does get through to skin and creates free radicals. The antioxidants quench free radicals before they age your skin. Look for products with sun protection and antioxidants in one bottle.
3. Eat Omega-3s for Younger-Looking Skin
Skin is the body’s largest living organ, and it needs top-notch nourishment to function and look its best. While a healthy diet filled with fruits and vegetables, whole grains, lean protein, and good fats will work wonders for your appearance, a few skin superstars are worth working into your diet for their anti-aging benefits.
Omega-3 and Omega-6 Fatty Acids Protect against Skin Aging
You’ve probably heard about the benefits of omega-3s for heart health and the brain . But mounting research shows that they, along with omega-6s, are also critical for skin health and can fight signs of aging. These essential fatty acids calm inflammation and irritation caused by free radicals. They keep cell membranes fluid and flexible and normalize oil production by creating protective lipids (fatty substances) in your skin’s topmost layer—especially helpful as your skin gets drier with age, and since dry skin makes wrinkles more noticeable . Omega-3s and omega-6s also defend against cell damage and assist in repair, keeping skin resilient. A 2006 review of studies concluded that consuming omega-3s can actually protect skin from sun damage as well.
Add Age-Fighting Antioxidants
Like omega-3s and omega-6s, antioxidant vitamins A, C, and E fight free radicals that can damage skin and lead to wrinkles and even skin cancer. Topical antioxidants get a lot of press, but your primary goal should be to get enough through diet. Brightly colored fruits and vegetables, such as avocados, broccoli, carrots, kiwis, nuts and seeds, oranges, red and green peppers, spinach, and strawberries are super sources. It can be tough to get enough vitamin E from foods, but you should talk to your doctor if you’re thinking about supplementing, since vitamin E can act as a blood thinner, and high levels may interfere with cholesterol-lowering drugs. If you choose to supplement with vitamin E, take 400 IU of mixed natural tocopherols daily (d-alpha tocopherol is the natural form; avoid synthetic dl-alpha tocopherol).
Healthy Fats for Healthy Skin
Eating two 3- to 4-ounce servings of oily fish a week is the easiest way to get enough omega-3s.
If your diet falls short, talk to your doctor about taking a fish oil supplement that contains 500 milligrams or more of EPA and DHA or one made from algae that has 400 to 600 milligrams of DHA.
Include Minerals in Your Anti-Aging Diet
A 2009 study noted that people with high levels of selenium in their blood reduced their risk of skin cancer by about 60 percent. Its antioxidant action helps prevent premature skin aging, and it encourages vitamin E absorption as well. Good sources include brown rice, seafood, garlic, eggs, and Brazil nuts.
Another multitasker, zinc, protects your skin from sun damage and works with vitamin C to make collagen. A zinc deficiency can trigger breakouts, lead to hair loss, and cause rough skin or rashes. Food sources include oysters, legumes (such as beans and peas), red meat, pecans, and pumpkin seeds. If you don’t eat many animal foods, you might want to supplement, but the National Institutes of Health Office of Dietary Supplements recommends getting no more than 40 milligrams per day.
Thursday, May 21, 2015
6 - SECRETS TO YOUR SUCCESS IN BUSINESS
Nothing great is created suddenly
6 - SECRETS TO YOUR SUCCESS IN BUSINESS
There are few secrets in business; nothing is being hidden from you. The methods of developing better business practices are clear if you are looking for them.
Getting started in business is the hardest part. If you had the very best start, you would have been born with a natural predisposition for business, and then your parents, teachers, and tutors would have added to your innate business sense along the way.
Nevertheless, back in reality, nothing can be perfect; nobody has perfect luck and skills, nor could they have studied and worked every day of their lives. In the business world, this truly leaves a field open for competition in almost any market space, and leaves you with years of time to study, practice and build. This can make up for any luck or genetic advantage that you may think you are missing. As long as you choose to build your self-confidence proactively, you can compete in business and in life irrespective of the past.
To create passion for something of great significance in this world is vital for everyone, but it does not make sense for others to direct your altruistic activities. Once you are able, you get to decide how to proceed as a compassionate member of your business community. Earn plenty of money, buy whatever you feel you need for your family, and then serve your favorite causes. In effect, this creates a win-win-win situation.
The following are 10 - secrets to your success in business
1. Be Confident
To be a truly successful entrepreneur, there can never be any doubt in your mind that you will accomplish your goals, even if you must occasionally alter your plans to hit the same targets. Your success is as much a matter of your willpower as it is of the skills you will develop on your journey.
Th ere are hardly any successful businesspeople, athletes, community leaders, or artists who do not feel certain of their ability to adapt and succeed. In order to achieve those results that are required to be a success, you need to fight and evolve. Your work process has to be managed as if it is a matter of survival.
Reliving past trials and tribulations is a drain on your mental resources. Whether the activity itself succeeded or failed, you should make a conscientious effort to learn positive lessons from everything. Don’t allow the outcomes of attempted sales, deals, or employee issues harm your forward momentum or the ability to execute your plan. Your focus should be on getting the targeted outcome from each business situation rather than your emotional responses to difficulties in the process.
2. Be a Machine
Those who work harder will be more profitable overall. We are not claiming that working “harder” is more advantageous than working “smarter.” You actually need to work harder with more raw man-hours AND work smarter by using evolving Best Practices to maximize your financial gain. Unlike the majority of business strategies, which are mostly theoretical, this is a mathematically sound principle that works virtually every time. Th e good news is that it applies to everyone and can seemingly work miracles. So if you are trying to evolve your business faster than your competition, one way to produce more, be more efficient and get a critical jump on those competitors is by putting in longer, harder hours of labor.
Competitors oft en work just hard enough to stay on par or barely above the rest. So if your team makes an aggressive push forward in the marketplace, the competition could easily be blindsided and fall behind. Your top business competitors might feel they don’t need to try their hardest because too many other possible competitors, like you, don’t step up to the plate.
Overall, hard work might not be the only disparity separating the rich from the poor, but it certainly enhances any other advantages the average professional brings to the economic table. Lawyers, doctors and other high-end professionals, for example, make more money than most partly because they’ve put in more hours in school and at work.
Working hard isn’t easy by definition, yet understanding the processes that lead to success is right at your fingertips. Pay attention to the ideas that are being offered informally all around you: by mentors, in books and periodicals, on business TV and radio, and especially all over the Internet. However, make sure you filter for just the best information out of the masses. By putting in the time to do proper research you will find most of what you need is freely accessible.
Being successful in business is not necessarily an easier life for you. In the long run, however, it could be more rewarding and fun. So get to it! Don’t procrastinate on the diffi cult projects ahead; hopefully, your competitors are doing just that. You will be better prepared for the future if you proactively take hold of the present.
3. Be Charitable
We believe a charity should operate like a for-profit business. The main difference should be that the focus of the organization and the metrics (key data), which are being managed, should highlight the number of “needy” stakeholders being well served rather than the numbers of dollars of profit.
In business, one only has to count cash to know how well they are doing, which is fairly easy. To help people other than yourself in a meaningful way is much harder to address and quantify, but it should be approached with equal vigor.
4. Avoid blaming others
Avoid blaming external forces or people for problems that are in your own best interest to solve, irrespective of how they emerged. Blaming the economy will never help you, nor will blaming the government, a political party, your mom, your teachers, your competitors, your genetic code, your community, or your boss.
Even if it is ostensibly true, claiming you have had bad luck or that others are at fault for your issues will never help you achieve a winning attitude for the future.
The world offers an enormous and ever-expanding global economy; all you need is a minuscule piece of that economy to succeed or a slightly larger slice of your local economy.
Nobody and nothing can stop you from getting your fair market share if you maintain a long term focused effort. Therefore, if you happen to be out of work or aren’t earning enough and you think there is an external force to blame, then at the very least, you should be proactively working to change that force every day, as opposed to complaining about it.
Very few people who start a business from scratch and succeed can attribute their success to luck. Of course, a small portion of society is born into a family business or is undeservedly promoted in a big company, which is a small barrier for competitors. Overall, successful people are those who are focused on proactively performing clear goals, at the highest level, for the most hours, over the longest duration.
Th e good news is if you want to be wealthy, you should take to heart that all the other rich people who surround you have 99.9% the same DNA as you. Th e difference is not in their genes or in their luck: they just chose to succeed in business and proceed accordingly.
5. Be There and Be Aware
Simply by being “in the game” and being serious about trying to succeed will help you win 50% of your competitive battles, and therefore account for half of your success. Th is is because most theoretically able-bodied workers are apprehensive to fight, and therefore are not well-suited to win while conducting “competitive” commerce on a daily basis.
Working long, hard hours every day, accounts for about another 40% of one’ s success, and choosing the right industry is probably responsible for another 8%. In our estimation, luck only accounts for about 2% of the success of proactive entrepreneurs.
So get over the notion of good luck being a reason why people might win in a business environment. Even if luck is an element, it is an uncontrollable one and a minor one. Focus instead on the majority of factors, which can truly be improved daily by your best efforts.
Keep in mind that the smartest people are not always on top. In reality, the person who believes in himself or herself the most, irrespective of their nominal brainpower, is usually the most successful.
6. Be the Edge
Th e best ideas and the most sensible ideas are the ones that are not contrived. This is why people always say, “Why didn’t I think of that?”
In order to achieve a winning edge—the element that separates you from the rest of the pack and ensures your success in business—you will have to find ways to identify good ideas and develop them quickly and effectively.
Intuitively, you should know that competitors in a free market, capitalist economy are going to try to “take you out.” You must improve and prepare every day for the inevitable commercial “war.
Competitors and insider stakeholders who doubt you and your abilities are predictable obstacles that every businessperson has to navigate. Other jealous, doubtful, or unmotivated people who are close to you personally or on the competitor’s side will constantly try to get in your way, break you down, or challenge you. Regardless, your job is to produce in your marketplace while all your challengers remain personally distracted by you and your success.
Like athletes in the Olympics, the people who train the hardest on one goal and prove to be the most adept will win, or at least get to share the top prizes. Others who can’t manage to get past the competition will be run off and knocked down. By maintaining your focus, distractions and detractors will harm your competitor’s business more than your own.
Tuesday, May 19, 2015
Do I need a college degree to make good money in t...
redeemman: Do I need a college degree to make good money in t...: Credentials were vital in the old world—the world of my father and mother. You’d apply for a job and people would say, “...
Monday, May 18, 2015
12 LAWS FOR WRITING A BUSINESS PLAN
12 LAWS FOR WRITING A BUSINESS PLAN - READ MORE:........ 1. A business plan is a marketing action. A well-thought-out and presented business plan demonstrates to yourself and others that you ...
Tuesday, May 12, 2015
12 LAWS FOR WRITING A BUSINESS PLAN
Home Based Business
1. A business plan is a marketing action.
A well-thought-out and presented business plan demonstrates to yourself and others that you are serious about your business idea, you have the passion and persistence to develop the strategies and tactics so your business idea will be successful, and you have converted a general idea into a realistic and believable business.
2. Know your audience, and write the plan in a style and with information they need for the action(s) you want them to take.
To achieve the decisions and actions you wish taken, you must provide your readers with the information in a style they are familiar with and can understand. Maybe this is your banker, angel investor, biggest client, prospective employee or board member, or just yourself. Make it easy for readers to take positive actions—make your case in their language.
3. Business planning should focus on the customer, not on the entrepreneur.
For- profit businesses and nonprofits alike are established to fulfill a customer/client/society need. The better the need is served or problem solved, the more successful the entity can be. Therefore, focus on satisfying the customer/client need and demonstrating how you are doing it uniquely from the competition.
4. A small business is usually a bet on the entrepreneur, so provide a biography that demonstrates you have the technical and leadership experience to drive your idea to success.
Either demonstrate you have the experience or you have surrounded yourself with others who have it. Financiers, a personal friend, a stern banker, or a demanding angel know they are investing in you as the owner. You are contributing most of the “assets”—your time, talents, and passion for birthing this business idea into the marketplace. Your biography, therefore, should not be just a LinkedIn-type listing of your education and previous positions. Instead, make the case for why you are the right person at the right time to own and operate this business.
5. The executive summary is the most important plan section. It delivers the message and sets the tone. It should be enthusiastic, concise, professional, and no more than two pages long.
Just as in the first few paragraphs of any book, many people will not read past the opening section if they lose interest. In these first two pages, you need to convince the reader that this business idea will be successful by describing what customer needs are being fulfilled, how this business idea sets itself apart from all the other competing investment alternatives in the marketplace, and the financial and other rewards to be obtained. Focus on writing this compelling short story in two pages or less. As a summary, it should be written last; this ensures it represents the full plan.
6. Have sales goals that are supported by research and an actionable marketing plan. This is your first and most important sales job.
Where and how are you going to capture revenue? Describe your sales goals, make a convincing argument, and provide tangible support—names of first prospects, sales pitch, competitive analysis, market awareness, and so on. If the argument and support is not convincing, then the banker, angel investor, vendor, or customer will arbitrarily give the sales goals a “haircut,” which will result in a decrease in cash flow (and maybe doom their investment participation)—and you will not be in the room to defend your analysis.
7. Request funding in the amount you truly need, and support your request with financial statements.
A funding request supported by financial statements (cash generation and expenditures) demonstrates you have thoroughly thought out the business and you consider the financial aspects important. This provides some assurance that you will look out for the best interests of those providing funding.
8. Use of funding proceeds should be primarily for investments, purchases, and marketing activities that will generate the products, services, and sales.
Investors assume you will contribute “sweat equity.” While some of the funding may be needed for critical staff salaries, the majority should be used for activities that will generate sales. A growing sales pattern with positive net margins means you will have the cash flow to pay back loans and eventually have a sellable business. Examples of typical funding requests are for protectable/proprietary software development, product production equipment, and marketing programs with a direct or channel partner sales focus.
9. Surround yourself with advisors and mentors, and talk through your business ideas with them.
Starting and growing a business is difficult, and more than half of all startups fail in their first five years. No one person can have all the knowledge, experience, or even perspective to handle every business situation. Gain from the skills and experiences of others. Ask for advice from similar companies in different geographic markets or noncompeting suppliers in your same market segment. Talk with experts in areas such as marketing, sales, finance, and operations. Join industry groups or entrepreneur mastermind teams. Express your questions and roadblocks, and then listen openly. You will feel less isolated and confused, and investors will feel confident they have a complete team of resources to grow the business. Often, family and friends are not able to provide the kind of feedback and advice you need. Some people find it difficult or do not know how to ask for help; just try it, and you will be pleasantly surprised how willing others are to assist.
10. A business plan is never perfect and never finished, so do not procrastinate writing it or obsess about creating the ideal plan.
At some point, you need to stop writing and start satisfying a customer need and making money. Set a personal deadline, stop planning, and get to work.
'11. It is all about the money.
Every decision and action you take will have a financial impact—be it cash flow or profit.
While many entrepreneurs have multiple bottom lines (lifestyle, mission, causes they believe in, and so on), if you do not have sufficient financial resources, you will not be able to accomplish your mission and goals, or even stay in business. Sometimes this singular fact helps cut through the fog of what to focus on next.
12. Focus, Focus, Focus.
You will triple the value of your plan and dramatically improve your credibility with a potential funder if you can answer these three questions clearly and thoroughly both in your text and financials.
AT HOME BUSINESS
HOME BASED BUSINESS - MOVING AHEAD
WHAT YOU NEED TO KNOW ABOUT HOME BASED-BUSINESS
HOME-BASED BUSINESS - MONEY MAKES THE WORLD GO ROUND
REASONS TO START A HOME-BASED BUSINESS
Sunday, May 10, 2015
SECRETS TO WRITING A SUCCESSFUL BUSINESS PLAN
Home Based Business
What Is a Business Plan and Why Do You Need One?
Many consider a business plan to be a formal document containing five key elements:
1) Business goals,
2) The reasons why these goals are attainable,
3) A plan for reaching those goals,
4) Data backing the uniqueness of the products and services to be sold, and
5) Supporting information about the organization and team attempting to reach those goals.
A business plan is comprised of these elements, but it is much more than a physical document; it is a structured process to test ideas to determine if they are feasible and financially attractive. Viewed this way, a business plan becomes a road map to successful implementation of the business idea. This road map then morphs into tactical plans and budgets. During the process of developing a business idea, you develop a consistent set of messages, based on facts and analysis, describing your business idea, which will be used in discussions with funders, investors, customers, board members, advisers, vendors, and employees.
Some events that trigger the need to write a business plan include:
1. Starting a new business (the classic reason)
2. Growing an existing business through new products, new channels, and/or new markets
3. Acquiring a business or franchising your existing business
4. Exiting from the business and the need to provide potential buyers with information about the company. They will be interested in the past as a benchmark, but as you have already reaped the benefits of these accomplishments, potential buyers are interested in the future as you see it. What is the potential they may buy into?
Who Is a Business Plan Written For?
Although most people think the goal of business plans is to seek funding, ultimately, a business plan is written primarily for yourself—to help you decide whether or not to start or grow a business, to set goals and benchmarks, to use the process for developing a set of compelling and consistent messages describing your business and why you will be successful, and to understand the two roles you have as owner and employee.
Factors To Consider When Writing a Business Plan :
1. Clarity
The person reading your business plan is busy, often has other problems to deal with, and is consciously or unconsciously judging you by the way in which you express yourself. Therefore:
● keep your language simple;
● avoid trying to get too many ideas into one sentence;
● let one sentence follow on logically from the last;
● go easy on the adjectives;
● tabulate wherever appropriate.
2. Logic
The facts and ideas you present will be easier to take in and make more impact if they follow one another in a logical sequence. Avoid a series of inconsequential paragraphs, however well phrased. Also, make sure that what you say under one heading chimes in with all you have said elsewhere.
3. Truth
Don’t overstate your case.
4. Figures
The banker or investor reading your plan is numerate, thinking in terms of numbers. Words will not impress a banker unless they are backed by figures that you have made as precise as possible. So try to quantify wherever you can.
4. Designing the business plan
The layout of your business plan can help greatly in keeping the a logical pattern. You could present your material in the sequence shown here, using headings, so that the reader can survey your plan and navigate without difficulty.
Steps to follow when preparing a business plan:
1 A brief statement of your objectives.
2 Your assessment of the market you plan to enter.
3 The skill, experience and finance you will bring to it.
4 The particular benefits of the product or service to your customers.
5 How you will set up the business.
6 The longer-term view.
7 Your financial targets.
8 The money you are asking for and how it will be used.
9 Appendices to back up previous statements, including especially the cash flow and other financial
projections.
10 History of the business (where applicable).
Tackling each section
1. The brief statement
This should be to the point, just something to show the reader what it is all about. Say what you do in one sentence. In a second sentence, state how much money you want and what you want it for.
2. The market
When you come to the main body of your document, start with the section that is most likely to impress your reader. The majority of people lending money believe that what makes for success in business is finding and exploiting a large enough market. So, as a rule, the ‘market’ section should be the one with which you lead off.
Although your product may be the best since the invention of the motor car, and you may have the talents of a Henry Ford, you will get nowhere if there is no call for your brainchild or you lack the means of projecting your product into the market. The person reading your plan will know this only too well, and will want to find out whether you are aware of these facts and how well you have done your homework. Your market research is crucial.
Note that where figures are given, and they should be given freely, the authority for the figures should be quoted. If your figures can be checked, this will promote confidence.
3. The skills, experience and resources of the persons involved
A lender or investor will want to know the track record of the per- sons to whom his or her own or clients’ money is to be entrusted. Therefore, you must give a fairly full account of your own business career and those of your co-directors or partners.
School and technical qualifications, technical qualifications, on the other hand, are. Of almost equal importance is the degree of your financial invest- ment. You cannot expect others to risk money in an enterprise to which the founders themselves are not financially committed in a big way.
4. The benefits of your product
This is the most difficult part about which to comment because it is the section in which you are likely to wax most enthusiastic. Human progress depends on new ideas, and people with good ones need all the support they can get. That having been said, you must face the fact that only a minority of innovations can be made commercially viable. Your banker or financier has probably seen hundreds of absolutely brilliant ideas come to nought, and for all kinds of reasons. So this is the section you will have to write most soberly.
A famous American writer, Ralph Waldo Emerson – a writer, not a businessman – once said that if you made a better mousetrap, all the world would beat a path to your door. This is just not true. Any successful business person could have told Emerson that simply making a better product is only one step on the way to success, and not even the first or the most important step.
Do not get too disheartened. You have, you believe, a first-class product, and as you demonstrated (under number 2 above), the market for it is there. What you must do now is to persuade your reader that your product is a good one and that it will have the edge to help you exploit the opportunities set out in ‘the market’ above.
Stick firmly to hard facts! ‘Puff’ sentences, such as ‘This is the best widget-grinder on the market and will be the cheapest too’, cut very little ice. Show, with figures, why it is the best and why, despite this, it is not the most expensive. If you have some independent test results, say so, and give at least a summary of them in an appendix. A few genuine figures are worth a page of adjectives, on which, as was stated earlier, you must go easy.
Information that could be included in this section is:
● A brief description of the product or idea;
● How it works;
● Why it is better than its rivals;
● Any independent appraisal (with details in an appendix).
More are coming soon! ......
AT HOME BUSINESS
HOME BASED BUSINESS - MOVING AHEAD
WHAT YOU NEED TO KNOW ABOUT HOME BASED-BUSINESS
HOME-BASED BUSINESS - MONEY MAKES THE WORLD GO ROUND
REASONS TO START A HOME-BASED BUSINESS
SECRETS TO WRITING A SUCCESSFUL BUSINESS PLAN
What Is a Business Plan and Why Do You Need One?
Many consider a business plan to be a formal document containing five key elements:
1) Business goals,
2) The reasons why these goals are attainable,
3) A plan for reaching those goals,
4) Data backing the uniqueness of the products and services to be sold, and
5) Supporting information about the organization and team attempting to reach those goals.
A business plan is comprised of these elements, but it is much more than a physical document; it is a structured process to test ideas to determine if they are feasible and financially attractive. Viewed this way, a business plan becomes a road map to successful implementation of the business idea. This road map then morphs into tactical plans and budgets. During the process of developing a business idea, you develop a consistent set of messages, based on facts and analysis, describing your business idea, which will be used in discussions with funders, investors, customers, board members, advisers, vendors, and employees.
Some events that trigger the need to write a business plan include:
1. Starting a new business (the classic reason)
2. Growing an existing business through new products, new channels, and/or new markets
3. Acquiring a business or franchising your existing business
4. Exiting from the business and the need to provide potential buyers with information about the company. They will be interested in the past as a benchmark, but as you have already reaped the benefits of these accomplishments, potential buyers are interested in the future as you see it. What is the potential they may buy into?
Who Is a Business Plan Written For?
Although most people think the goal of business plans is to seek funding, ultimately, a business plan is written primarily for yourself—to help you decide whether or not to start or grow a business, to set goals and benchmarks, to use the process for developing a set of compelling and consistent messages describing your business and why you will be successful, and to understand the two roles you have as owner and employee.
Factors To Consider When Writing a Business Plan :
1. Clarity
The person reading your business plan is busy, often has other problems to deal with, and is consciously or unconsciously judging you by the way in which you express yourself. Therefore:
● keep your language simple;
● avoid trying to get too many ideas into one sentence;
● let one sentence follow on logically from the last;
● go easy on the adjectives;
● tabulate wherever appropriate.
2. Logic
The facts and ideas you present will be easier to take in and make more impact if they follow one another in a logical sequence. Avoid a series of inconsequential paragraphs, however well phrased. Also, make sure that what you say under one heading chimes in with all you have said elsewhere.
3. Truth
Don’t overstate your case.
4. Figures
The banker or investor reading your plan is numerate, thinking in terms of numbers. Words will not impress a banker unless they are backed by figures that you have made as precise as possible. So try to quantify wherever you can.
4. Designing the business plan
The layout of your business plan can help greatly in keeping the a logical pattern. You could present your material in the sequence shown here, using headings, so that the reader can survey your plan and navigate without difficulty.
Steps to follow when preparing a business plan:
1 A brief statement of your objectives.
2 Your assessment of the market you plan to enter.
3 The skill, experience and finance you will bring to it.
4 The particular benefits of the product or service to your customers.
5 How you will set up the business.
6 The longer-term view.
7 Your financial targets.
8 The money you are asking for and how it will be used.
9 Appendices to back up previous statements, including especially the cash flow and other financial
projections.
10 History of the business (where applicable).
Tackling each section
1. The brief statement
This should be to the point, just something to show the reader what it is all about. Say what you do in one sentence. In a second sentence, state how much money you want and what you want it for.
2. The market
When you come to the main body of your document, start with the section that is most likely to impress your reader. The majority of people lending money believe that what makes for success in business is finding and exploiting a large enough market. So, as a rule, the ‘market’ section should be the one with which you lead off.
Although your product may be the best since the invention of the motor car, and you may have the talents of a Henry Ford, you will get nowhere if there is no call for your brainchild or you lack the means of projecting your product into the market. The person reading your plan will know this only too well, and will want to find out whether you are aware of these facts and how well you have done your homework. Your market research is crucial.
Note that where figures are given, and they should be given freely, the authority for the figures should be quoted. If your figures can be checked, this will promote confidence.
3. The skills, experience and resources of the persons involved
A lender or investor will want to know the track record of the per- sons to whom his or her own or clients’ money is to be entrusted. Therefore, you must give a fairly full account of your own business career and those of your co-directors or partners.
School and technical qualifications, technical qualifications, on the other hand, are. Of almost equal importance is the degree of your financial invest- ment. You cannot expect others to risk money in an enterprise to which the founders themselves are not financially committed in a big way.
4. The benefits of your product
This is the most difficult part about which to comment because it is the section in which you are likely to wax most enthusiastic. Human progress depends on new ideas, and people with good ones need all the support they can get. That having been said, you must face the fact that only a minority of innovations can be made commercially viable. Your banker or financier has probably seen hundreds of absolutely brilliant ideas come to nought, and for all kinds of reasons. So this is the section you will have to write most soberly.
A famous American writer, Ralph Waldo Emerson – a writer, not a businessman – once said that if you made a better mousetrap, all the world would beat a path to your door. This is just not true. Any successful business person could have told Emerson that simply making a better product is only one step on the way to success, and not even the first or the most important step.
Do not get too disheartened. You have, you believe, a first-class product, and as you demonstrated (under number 2 above), the market for it is there. What you must do now is to persuade your reader that your product is a good one and that it will have the edge to help you exploit the opportunities set out in ‘the market’ above.
Stick firmly to hard facts! ‘Puff’ sentences, such as ‘This is the best widget-grinder on the market and will be the cheapest too’, cut very little ice. Show, with figures, why it is the best and why, despite this, it is not the most expensive. If you have some independent test results, say so, and give at least a summary of them in an appendix. A few genuine figures are worth a page of adjectives, on which, as was stated earlier, you must go easy.
Information that could be included in this section is:
● A brief description of the product or idea;
● How it works;
● Why it is better than its rivals;
● Any independent appraisal (with details in an appendix).
More are coming soon! ......
AT HOME BUSINESS
HOME BASED BUSINESS - MOVING AHEAD
WHAT YOU NEED TO KNOW ABOUT HOME BASED-BUSINESS
HOME-BASED BUSINESS - MONEY MAKES THE WORLD GO ROUND
REASONS TO START A HOME-BASED BUSINESS
Wednesday, May 6, 2015
BE CAREFUL WHAT YOU ASK FOR .....! AND LISTEN TO THE ANSWER .
One of the primary secrets to getting the best answers and solutions in your life is to draft the right questions because you always get an answer to every question you ask. For instance, ask yourself: What is the positive side of my job? The answer that comes to you will give you new power and energy. If you are in the habit, however, of only asking about what is bothering you or what is wrong with your job, then just the opposite will happen. Your answers will come, but they will not be empowering or filled with positive energy they will be negative and depressing. In both cases, the answers you receive to the questions you just asked will affect how you view your workplace!
Let's get just a little more personal. You could ask, How is my partner unique from anyone else I know? What do I enjoy that he or she gives me which I cannot give myself or get from anyone else? What does my spouse or significant other do for me that makes my heart sing?
The answer that comes to you is sure to be a positive one. On the other hand, walking down the street and thinking about what you are missing from your relationship will only bring about negative emotions regarding your partner.
One viewpoint gives you pleasure and positive energy, while the other brings only grief, sorrow and a negative outlook on your life. Further, whatever mind-set you wind up in attracts more of the same!
Can you see how much faster your relationship will improve by focusing on the positive and how quickly it will go downhill if you bury yourself in negative details and relive everything you dont like about it?
All great people know they create their own fate! They have the courage to take responsibility for everything that happens in their lives. They do not criticize others when something goes wrong; they simply find the best and most efficient course of action to correct the situation and learn from the unexpected circumstance they find themselves in.
How do we know that taking responsibility is something all successful people do? Because if they blamed other people or circumstances for their setback or failure their boss, partner, children, lack of time, the government or others they would never do anything to improve! Why should they improve, when the blame falls somewhere else?
Instead, they would think that others should improve to make their circumstances and life better. This is a great example of a lose-lose situation. Not only does nothing improve, but also in denying responsibility they lose the only opportunity they had to learn from the event to prevent it from repeating itself.
If only the unsuccessful people knew how empowering it is to take responsibility for the events in their lives, how good it feels to create your own fate. Dont you make the same mistake
The leading psychologists and psychiatrists have found, not surprisingly, that most people, in fact, do not want to change. Not that they resist change or prefer not to change, but rather that they dont want to change. In fact, most people crave, instead, for comfort and relief. They want to hear that they are not guilty for what is happening to them. They prefer to believe they have no control over the events of their lives, believing instead; there isnt anything they can do to change them. They want to feel they are not responsible for their current situation or the overall circumstances they find themselves in.
Change demands action, to get up from the warm bed of habits and commonplace and go towards the unknown, says DeMello. When you realize your choices and their resulting actions are behind everything that happens to you, you can pose the following question in a positive way and be ready to receive the wisdom of the answer that comes to you. What happened to produce this unexpected outcome what can I learn from this and how can I quickly move beyond it? Not, Why did this go wrong, or Why did I fail? Focus on what you want to hear for the answer, the solution that will move you forward!
Posing the question properly is the only way you to receive the positive response that allows you to learn, grow and correct the situation. Ask a positive question and youll get a positive answer!
How does this contrast to what the average person does?
Average people take responsibility for all the good events that happen to them, but they forget to take responsibility for everything else that did not turn out according to expectations or wasn't as successfully planned and carried out. Instead, they blame their worsening financial status on the economy or their boss. If their car breaks down they blame the dealer that sold it to them or the mechanic that worked on it last.
AT HOME BUSINESS
HOME BASED BUSINESS - MOVING AHEAD
WHAT YOU NEED TO KNOW ABOUT HOME BASED-BUSINESS
HOME-BASED BUSINESS - MONEY MAKES THE WORLD GO ROUND
REASONS TO START A HOME-BASED BUSINESS
BE CAREFUL WHAT YOU ASK FOR .....! AND LISTEN TO THE ANSWER .
One of the primary secrets to getting the best answers and solutions in your life is to draft the right questions because you always get an answer to every question you ask. For instance, ask yourself: What is the positive side of my job? The answer that comes to you will give you new power and energy. If you are in the habit, however, of only asking about what is bothering you or what is wrong with your job, then just the opposite will happen. Your answers will come, but they will not be empowering or filled with positive energy they will be negative and depressing. In both cases, the answers you receive to the questions you just asked will affect how you view your workplace!
Let's get just a little more personal. You could ask, How is my partner unique from anyone else I know? What do I enjoy that he or she gives me which I cannot give myself or get from anyone else? What does my spouse or significant other do for me that makes my heart sing?
The answer that comes to you is sure to be a positive one. On the other hand, walking down the street and thinking about what you are missing from your relationship will only bring about negative emotions regarding your partner.
One viewpoint gives you pleasure and positive energy, while the other brings only grief, sorrow and a negative outlook on your life. Further, whatever mind-set you wind up in attracts more of the same!
Can you see how much faster your relationship will improve by focusing on the positive and how quickly it will go downhill if you bury yourself in negative details and relive everything you dont like about it?
All great people know they create their own fate! They have the courage to take responsibility for everything that happens in their lives. They do not criticize others when something goes wrong; they simply find the best and most efficient course of action to correct the situation and learn from the unexpected circumstance they find themselves in.
How do we know that taking responsibility is something all successful people do? Because if they blamed other people or circumstances for their setback or failure their boss, partner, children, lack of time, the government or others they would never do anything to improve! Why should they improve, when the blame falls somewhere else?
Instead, they would think that others should improve to make their circumstances and life better. This is a great example of a lose-lose situation. Not only does nothing improve, but also in denying responsibility they lose the only opportunity they had to learn from the event to prevent it from repeating itself.
If only the unsuccessful people knew how empowering it is to take responsibility for the events in their lives, how good it feels to create your own fate. Dont you make the same mistake
The leading psychologists and psychiatrists have found, not surprisingly, that most people, in fact, do not want to change. Not that they resist change or prefer not to change, but rather that they dont want to change. In fact, most people crave, instead, for comfort and relief. They want to hear that they are not guilty for what is happening to them. They prefer to believe they have no control over the events of their lives, believing instead; there isnt anything they can do to change them. They want to feel they are not responsible for their current situation or the overall circumstances they find themselves in.
Change demands action, to get up from the warm bed of habits and commonplace and go towards the unknown, says DeMello. When you realize your choices and their resulting actions are behind everything that happens to you, you can pose the following question in a positive way and be ready to receive the wisdom of the answer that comes to you. What happened to produce this unexpected outcome what can I learn from this and how can I quickly move beyond it? Not, Why did this go wrong, or Why did I fail? Focus on what you want to hear for the answer, the solution that will move you forward!
Posing the question properly is the only way you to receive the positive response that allows you to learn, grow and correct the situation. Ask a positive question and youll get a positive answer!
How does this contrast to what the average person does?
Average people take responsibility for all the good events that happen to them, but they forget to take responsibility for everything else that did not turn out according to expectations or wasn't as successfully planned and carried out. Instead, they blame their worsening financial status on the economy or their boss. If their car breaks down they blame the dealer that sold it to them or the mechanic that worked on it last.
AT HOME BUSINESS
HOME BASED BUSINESS - MOVING AHEAD
WHAT YOU NEED TO KNOW ABOUT HOME BASED-BUSINESS
HOME-BASED BUSINESS - MONEY MAKES THE WORLD GO ROUND
REASONS TO START A HOME-BASED BUSINESS
CRITICAL DIFFERENCE BETWEEN WINNERS AND LOSERS
If, you are feeling hopeless and cannot see a way out of your current circumstances, do not fall into despair. Not giving up is the critical difference between winners and losers. Do not allow your negative emotions to overcome you. You can achieve everything in life, but only you have the power to make it happen. If you give up now, you will automatically fail and therefore never know what you could have achieved.
Do you remember receiving your first bike as a child? No doubt you were excited, but the first time you held the handlebars in your hands and sat on the seat, your first thoughts may have been, I will never get the hang of this. Im going to fall down and hurt myself. Was your fear confirmed? No. You kept practicing and you did get the hang of it; not only that, even if you havent ridden a bike in years, if you got back on one today, you would still remember how to ride. If you do not try, you will never know the satisfaction of accomplishment, the vibration of winning or the positive energy of your own success.
If you suppress the desire in you or you do not behave according to who you are, you reject experiencing God, says Keller. Your solutions come from the same place as your dreams and desires. You will never feel a desire or dream that you cannot, in some form, achieve. Don't ever lose your hope!
If the opinions of others do not motivate you when fulfilling a task, then dont let their ideas mislead you search for your own happiness, health, and welfare. Do not feel bad about being different, or unique, as this too is a quality of winners. Do not deny the reality of the world around you, but dont fall victim to it either. The winning vibration is one that allows you to act in harmony with others, while remaining loyal to you. This way, even in bad conditions, you wont feel like youre losing or denying yourself, but only the positive feeling of adapting to new circumstances.
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