If you find yourself missing out on potential clients, contacts falling through the cracks, or not following up in a timely manner then your problem is simply a lack of an efficient contact management system!

So let me ask you:

1. Do you have a record of each of your clients/colleagues contact data, i.e. name, address, email, website, phone number etc.?

2. Are you following up efficiently and effectively when a potential client enquires about your services/programs?

3. Do you have a specific process in place for handling new client enquiries?

If you’ve answered NO to one or more of these questions, then you don’t have a suitable contact management system in place.

The good news...

This can easily be rectified! With a proper contact management system in place you will be able to:

* Keep a note of clients, potential clients, and colleagues contact information.

* Easily and effectively follow-up with a prospect.

* Locate critical client contact information quickly and easily.

* Build your business.

Sometimes the simplest contact management can be all you need so that you’re not letting potential clients slip through the cracks and you’re following up in a timely manner. When deciding on the most suitable contact management system for your business, there are three basic choices:

1. If you’re currently using Outlook it comes with its own contact address book, and Microsoft Office Professional Edition 2003 and above comes with Business Contact Manager. Outlook actually makes a good 'command central' for your business as not only does it store all your crucial contact management data, but you can also manage your emails, To Do list, tasks, and schedule follow-ups so you won’t lose an important contact again due to lack of follow-up!

2. You can purchase stand-alone contact management software such as ACT! This is a very robust contact management system; the only downside – you can’t use it to manage your emails!

3. You can use an online contact management system – some of which are free. This is a good choice, particularly if you want to be able to access your contact data from any PC, anywhere. And if you are working with a Virtual Assistant it’s very easy for them to maintain and update your contact data too – they simply log in!

Which one to use depends on your level of expertise and which one will work best for YOU and YOUR BUSINESS.

Don’t let your business suffer due to an inefficient contact management system. Follow my tips above to choose a system that is right for YOUR business.

Online Business Manager & Virtual Assistant, Tracey Lawton, supports professional speakers, coaches, and authors to operate an efficient, organized, and profitable business. Learn how to create an efficient and organized office in 7 EASY steps, and receive free how-to articles at http://www.OfficeOrganizationSuccess.com.

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Leaders are using the economy as an excuse on a daily basis. Don’t believe me? Just ask your managers why now it’s okay to lay-off those employees who haven’t come close to meeting their performance objectives over the past several years. Perhaps your company could have avoided lay-offs if the entire team had been operating on all four cylinders. This is just one example of how companies are using the economy as an excuse for poor decisions. Here are some others.

Poor planning

You can blame employees for a lot of things. However, at some point you have to take responsibility for what is in your control. Here’s an example. Have you ever heard of a fast food restaurant that sells only pizzas, at an airport location, running out of food at 3:00 PM? According to those employees staffing the counter, this is not an uncommon occurrence. So who is to blame? Certainly not the people who are popping the frozen pizzas into the convection oven.

This is a planning and inventory problem. Not an economic problem. However, if you look at this company’s declining earnings and recent interviews you will hear them say that business is down because less people are going out for pizza. Maybe less people are eating their pizza because there is no food to be had. Is this really the way to increase profits in a down economy?

Creating new expectations

Everything appears to be on sale these days. It has gotten to the point where people will not make purchases unless there is a discount associated with the price. Is this really the fault of the economy? Or have businesses created an expectation among customers and clients that has created this new reality?

What if you were to offer a product or service that people felt was worth the purchase price, regardless of what this number was? What would that mean in terms of increased revenue and profitability? In spite of the economy, people are still purchasing luxury vehicles and are patronizing restaurants where they perceive the experience is worth the money spent. Customers are choosing cool electronic equipment over cheaper less innovative products.

Stop blaming the economy and start looking at your offerings. Are they appealing? Are you creating “must have” products and services? Are you providing consistent service? Are people invested in your product or service? Or have they moved over to you because you are the cheapest guy in town?

Improving your people

Companies used the excuse that there was no time to invest in performance improvement programs when the economy was humming. Now many of these companies have nothing but time on their hands. Would this have been the case if they had provided training for their leaders on how to effectively manage through periods of change?

These organizations can emerge from this recession even stronger than where they were before the decline. How? By preparing their organization for the recovery. This means investing in the training and development of managers and those individual contributors who are on the front lines with customers.

It certainly is a heck of a lot easier to blame the economy for the decline in your business. But by doing so, you will miss out on the opportunity to build an organization that can sustain itself and thrive in any economic climate.

About the Author:

Roberta Chinsky Matuson is the President of Human Resource Solutions (www.yourhrexperts.com) and has been helping companies align their people assets with their business goals. She is considered an expert in generational workforce issues. Roberta publishes a monthly newsletter “HR Matters” http://www.yourhrexperts.com/hrjoin.cgi which is jammed with resources, articles and tips to help companies navigate through sticky and complicated HR workforce issues. Click here to read her new blog on Generation Integration http://generationintegration.typepad.com/matuson/. She can be reached at 413-582-1840 or Roberta@yourhrexperts.com.

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In a pure barter system there must exist a coincidence of wants and or desires before a trade takes place. This severely restricts and limits the opportunities for commerce .

Money is a medium of exchange with an established value that is accepted in return for goods and services. The dominant form of money is currency which is issued, controlled and limited by governments.

An alternative to money is credit and no government printing presses or controls are required. Credit allows for the value of a product or service to be assessed and for profitable sales to happen based on payment at some later date. Credit terms, i.e. IOUs, like money are a medium of exchange. Credit is an intermediary used in trade to avoid the inconvenience and
inefficiencies of a pure barter system.

Safeguards so as to protect the value of credit extended must exist just as governments must safeguard the value of the money they print. For example what is the value of a Zimbabwe Dollar (ZWD). At the time of this article one ZWD is worth .00000003 of 1 USD, that means that it takes about 37,410,000 ZWD to purchase the same as $1.00 US.

While the supply of money is limited by how much of it governments print, credit is unlimited; in fact the more of it that is created the greater is the demand created for products and services. Credit, properly understood and managed allows for the expanded movement of products and services and for economic growth and prosperity. Credit is a lubricant of commerce and greases the wheels of business.

In commercial or B2B Credit, fear of loss and lack of knowledge on the full profit potential and on how to properly manage this unlimited medium of exchange creates bottlenecks, i.e inefficiencies that hinder the fruitful expansion of trade . The Profit System of B2B Credit and A/R Management provides a proven, understandable and useable philosophy and methodology for integrating a seller's specific knowledge regarding their "Product Value at Time of Sale", their potential customers' profile and past performance to allow for the expansion of profitable sales while remaining confident of payment.

The Profit Approach

Philosophy is the study of existence and truth and relies on a systematic approach and reasoned argument. So what is the truth or purpose for the use of B2B Credit in the selling of products or services?

To understand the purpose of B2B Credit we must first accept that behind the selling of products or services lies a profit motive, that is we need or desire to earn more than we expend in a business transaction. The actual process of extending credit must be driven, based on and support this desire to earn a profit.

Beyond the cost of the product or service being sold there are fixed business expenses and transactional costs that must be taken into consideration to ensure that indeed a profit is earned on a sale made.

Fixed expenses are also known as fixed costs and as a rule do not vary with production. Some examples of fixed costs are rent, sometimes insurance, long term equipment costs. The ability or inability to take on more business without increasing fixed costs is a factor that must be considered in profitable credit sales.

Transactional costs are incurred in every economic exchange. These varying costs may include sales commissions , the energy and effort required to find potential customers, the effort of billing customers and of the taking of payments. In B2B Credit sales it is important to consider the transaction costs that might prove significant; so as to ensure that in fact
the sale being made is a profitable sale.

In B2B Credit the transactional costs start when a customer desires to buy based on payment at a later date. At this point of purchase efficiency dictates that the information required to help determine if and how credit will be extended to the customer must be gathered.

Use of a traditional credit application that the potential customer fills out, and which contains standard terms and conditions of sale, contributes to a sales limiting mindset.

A better tool for the gathering of customer information is a New Customer Information Form, which is completed by the selling agent and which contains an authorization to check a customer's credit to be signed by the customer. Terms and conditions of sale are to be determined following the investigation of the customer past payment history and the evaluation of the customer's profile and the seller's Product Value at Time of Sale.

Additional transactional costs that go with selling on credit terms are the costs of the investigation of the customer, the evaluation of the customer's profile, i.e who the customer is and how the customer does business, and evaluating the seller's Product Value at Time of Sale.

There is also the cost of carrying A/R (accounts receivable), i.e. the time value of money and of bad debt write offs or losses should the customer fail to pay.

Why Incur The Costs?

We have already stated that the underlying motive or purpose for an economic transaction is the need or desire to earn a profit.

Specific to B2B credit sales, credit terms are extended because:

1) Required by the customer. The customer require time after the delivery of the purchased product or service to ensure that in fact what was desired was received. They also require time to process the bill for payment.

2) Downline sales by the customer. The customer company requires time after the delivery of the purchased product or service to add value to the product or service and to make downline sales to its own customers before it can pay. If a customer company is extending credit terms to its own customers it may require even more time in which to receive payment before it can pay upline suppliers.

3) Customary in the industry. Credit terms are routinely extended in the customer's industry by competitors and are expected.

The reason why the costs associated with the extension of credit are incurred is to capture profitable sales that would otherwise be lost.

Credit is primarily a function of sale and not of accounting.

Old Risk Management Approach is Profit Limiting

If the management of a business believes that credit is an accounting function and all about risk management the end result will be the limiting of both short and long term sales and profitability.

DSO (days sales outstanding) and % bad debt, i.e. the % of approved credit dollars lost due to non-payment are and always have been measurement of risk. Use of risk performance measurements will result in the limiting of both short and long term sales and profitability.

Two men look through prison bars, one sees the mud the other the stars.

The Profit System of B2B Credit Management

In the course of years of hands on work with companies across industry lines the copyrighted Profit System of B2B Credit Management has proven that Credit properly understood and applied can and will lead to more and larger new sales, to improved cash flow, controlled loses, greater repeat sales, elevated customer service levels and customer retention, and to the ability
to identify areas of opportunity for improvement that can drive down costs of doing business for seller and customer alike.

The proven profit philosophy and set of methodologies that make up the Profit System of B2B Credit Management turns an area of business always thought of as a cost center, as a negative, a necessary evil and as the ugly step-child of accounting into a proactive profit center.

In Closing

Credit is essential in both short and long term sales and is also an investment in the customer relationship lifespan.

Credit allows for the value of a product or service to be assessed and for profitable sales to happen based on payment at some later date. Properly understood and managed B2B Credit is an unlimited alternative to money and to the expanded movement of products and services and economic growth and prosperity.

Abe WalkingBear Sanchez is an International Speaker / Trainer / Consultant on the subject of cash flow / sales enhancement and business knowledge organization and use. Founder and President of www.armg-usa.com, WalkingBear has authored hundreds of business articles, has worked with numerous companies in a wide range of industries since 1982 and has spoken at many venues including the Shakespeare Globe Theater in London.

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Ultimately, that’s up to you to decide. But it helps to layout the pros and cons of both situations. Your aversion to risk, business experience, and financial considerations should all be taken into account.

Pros and Cons of Starting Your Own

Whether purchasing a franchise or starting your own business, one of the most common reasons indicated by would-be entrepreneurs is to be their own boss. It’s a great feeling to have that autonomy and freedom of decisions. It’s also very rewarding.

If you have the financial wherewithal to fund, and in some cases bootstrap’, your business, starting your own can be the way to go. Even if you start your own company in the evenings and on weekends, still keeping your day job until it’s up and running, being your own boss is a powerful draw.

But there is a higher failure rate among new business ventures than among franchises. There is no franchise support, no franchise community to ask for advice, and it’s often more difficult to get financing for a company that doesn’t already have any history. There are also no economies of scale in terms of purchasing and real estate, no brand recognition, and higher costs for things like advertising and design – costs that are shared in a franchise system.

Pros and Cons of Purchasing a Franchise

Perhaps the biggest perceived drawbacks to purchasing a franchise are royalties and other fees paid to the franchisor. The trade off is that many of the negatives of starting your own business are mitigated or eliminated: franchise support, purchasing power, research and development costs, real estate and legal help, construction help, and a proven model with instant brand awareness. A franchise fee and royalty payment (usually a percentage of what you have made) are often small potatoes compared to the ‘tuition’ charged by the ‘School of Hard Knocks’.

Franchises charge a fee for a reason: they went through the pains of developing products, systems, and a brand image to be successful. Consequently, the failure rate for franchise systems is lower than most new businesses.

It should also be noted that not everyone fits into the mold of being a franchisee. For some, the thought of being accountable to rules and systems of others is too constraining. Again, it’s up to you to weigh your aversion to risk with your need for autonomy.

Keep in mind that the strongest argument for purchasing a franchise is brand recognition. To open your doors with a customer base from day one, get preferred pricing on equipment and supplies, and have a network of support is a powerful motivator. But if you open your franchise in a new market where there is low unit density, the advantages of brand awareness are diluted –which could cost you more money in advertising and grand opening costs.

You may also find that real estate is harder to come by and distribution challenges might make your cost of goods higher than a unit in the franchise’s hometown. Careful research and questioning of franchisees in less developed markets will help you to gather the information you need to make the right decision.

Things to Consider No Matter Which You Choose

Consider what it really means to be your own boss. Being the boss of a start up, whether it’s your own or a franchise, also means that you’re in charge of everything – from sales and accounting to healthcare and sweeping the parking lot.

Being the boss means leveraging your savings, sometimes even your equity, all for the privilege of sleepless nights worrying about payroll. For many, these arguments are a strong reason to continue working for someone else.

But for thousands of Americans every year, living the American Dream of starting something from the ground up, even if someone else helps to point the way, is too big of a pull. Conducting research, asking the right questions of the right people, and knowing some of the hidden risks ahead of time help to make sure your decision is the right one.

This article is contributed by: www.FranchiseGenius.com

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Here’s a tough question: What’s the one thing nearly all business owners consistently overpay for?

The answer is pretty surprising: Postage costs. Stamps, shipping charges, even the time it takes to go to the post office can all add up, costing thousands of dollars or more each year, depending on the volume of mail you ship. Most business owners don’t know exactly how much it costs to mail a particular parcel- so they end up “over stamping” and overpaying- often by quite a bit. Postal stores and shipping providers have overhead costs to meet, too- you pay for these when you’re charged to ship an item.

You can avoid overpayment- and create big savings- by using a postage meter. A postage machine, or digital mailing system, can calculate postage costs precisely, so you’ll never overpay, and can be used in-office, saving you trips to have packages shipped from other providers. Here’s a quick guide to using a postage meter:

How meters work
Postage meters are leased, and work similarly to a parking meter. You “fill up” by making a payment, and postage charges are drawn against your balance. Most meters allow you to “refill” when necessary, and some calculate monthly charges and send a bill- similar to paying for electricity costs. In addition to paying the postage charges, you’ll also need to lease the equipment. You can choose machines with advance features (scales, document feeders) or a simple stamp machine that just prints postage stamps on your outgoing mail.

Features
Mailing machine equipment can be very simple (a stamp machine) or very complex- some machines fold, collate, stamp, and stack bulk mailings containing several different printed pages. If your business sends large bulk mailings, you could benefit from such a machine. Machines can also be fitted with equipment to ship packages- you’ll weigh the parcel and arrange for the pickup online in a few simple steps. No matter which features you need, you can take advantage of cost savings- with a postage meter, shipping costs can be calculated down to the penny for each mailing, so you’ll never overpay.

Costs and billing
Equipment leasing costs can range from less than $20 a month to hundreds for sophisticated equipment designed to handle large volume mailings. You’ll pay for the postage machine equipment (the meter) as one bill, and pay postal charges according to current rates. Some meters only allow you to “pre-pay” postage charges, while other companies allow you to “pay as you go,” where you receive a bill for both postage and meter use costs at the end of a specified period of time. Pay-as-you-go options usually carry additional charges or fees.
You’ll generally sign a lease contract that specifies your terms of use for the meter. Longer term lease contracts can be significantly less expensive- if you’re willing to commit to a longer period of time using the equipment, you’ll get a better monthly rate. You can also choose to purchase a maintenance or service contract that covers repairs or part replacements over the life of the machine.

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If taking action is the key to producing results, why doesn't everybody take action? Why doesn't everybody follow through on their plans? Why is it that so many people know what they should do, but still don't do it?

The most common reasons are: 'I lack motivation', 'I'm too lazy', 'I don't feel confident' or 'I am afraid that...' Is this true for you as well? If you are like most people, you would probably be nodding your head.

For example, you know that you should start exercising three times a week, but you put it off because you feel lazy. As a salesperson, you know you should make ten cold calls a day, but you don't do it because you don't feel like being rejected. You know that public speaking will help your career, but you don't get on stage and face the audience because you feel the fear.

At the same time, there are many things we do, knowing full well that we shouldn't! Why is that so? That's because we feel like doing it.

For example, you know that eating that extra piece of delicious chocolate cake is bad for your weight/health but you still do it because you feel greedy. You know that you shouldn't go back to sleep when the alarm rings, but you still lie in because it feels so good.

Have you ever experienced a day when you managed to get a lot of things done? When your ideas flowed, when you made the best decisions and you were absolutely on form? Well on those 'top of form' days, you were in a series of resourceful states.

Then again, have you had days when you couldn't get anything done? When you couldn't do anything right? You said and did the most stupid things? How could this happen? You were the same person and had exactly the same resources available to you. The difference was that you were not in a resourceful state.

If you think about it, 'motivation', 'fear', 'confidence', 'inertia - expressed as procrastination', are nothing but emotional states we experience.

Emotional 'States' like 'excitement', 'passion', 'confidence', and 'happiness', 'exhilaration 'get us to take action and perform at our peak.

At the same time, states like ' fear', 'anxiety', 'stress', 'inertia', 'depression', 'tiredness' hold us back.

It is not logic that drives our actions. It is our emotions. Very often, we know that logically we should do something, but we don't do it because we don't feel like doing it.

People who take consistent action and produce great results do so because they experience many more resourceful states on a daily basis.

It is truly our emotional 'states' that drive our actions and behaviors all the time. How we feel truly determines what we do and how we do it.

It is these empowering states that allow us to get the best out of themselves!

Adam Khoo is an entrepreneur, a best-selling author and a peak performance trainer. A self-made millionaire by the age of 26, he owns and runs several businesses in education, training, event management and advertising, all with a combined annual turnover of $20 million. His best-selling "Patterns of Excellence" is a complete step-by-step system that will literally program you for success in life.

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Article Contributed by Donna Abernathy

Howard Brodsky set out to conquer the carpet world. Dan Bleier just wanted to save his family-owned business. But both cherished their independent status in a retail chain, “big box” business world. Now, each realizes success through a purchasing cooperative.

The pair spent almost eight months reviewing different business models, disqualifying one after another. Then they looked at cooperatives. Brodsky and Bleier are founders of two of the estimated 300 purchasing cooperatives in the United States—a sector which serves roughly 50,000 independent business owner-members.

“The co-op was the ultimate choice to bring (buying) scale to local ownership while honoring their differences and valuing their independence. It also allowed us to leverage our efforts to serve their best interests,” says Brodsky, chairman and co-CEO of CCA Global Partners. “By comparison, other business structures didn’t endure.”

Entrepreneurs across the American business landscape—from furniture dealers to funeral service providers—are using co-op power to level the playing field between family-owned enterprises and mega-retailers.

Purchasing co-op owner-members are joining together to increase the competitiveness of their independently owned businesses. By pooling their buying power to acquire inventory and services, they lower operating costs, better respond to competition, and improve their businesses’ overall performance.

Conquering the world

By virtually every business standard, CCA has more than endured. It has exploded. Starting with 13 members, the cooperative has grown to 650 owners who operate 3,600 independent stores around the world. The company reported sales exceeding $10 billion last year and has never experienced an unprofitable quarter in its 24 years of existence.

Sales have jumped 325 percent in the past eight years.

“If you give a smart entrepreneur the best tools, he can outplay the big guys. He needs to buy better, brand better, have the best training, best hiring and best marketing,” he adds. Today’s CCA members engage in the flooring, mortgage banking, lighting and bicycling industries. Considered together, CCA’s flooring affiliates represent the largest group of retailers in the world.

Competing effectively

Reading about the success of co-ops like CCA inspired Bleier, who needed to find a way for his family-owned Able Distributors to effectively compete with “the big boys like Home Depot.” He reversed the negative trend by becoming a founding member of Blue Hawk Cooperative in 2005, a Phoenix, Ariz.-based co-op with 200 members—mostly family-owned companies—that own 871 distribution locations in 50 states.

Like typical purchasing co-ops, Blue Hawk offers its members centralized, cost-saving buying plus warehousing, marketing, merchandising and financial reporting—services that give members like Bleier the ability to compete in the marketplace. But competing is not enough, says Lance Rantala, the co-op’s chief executive officer.

“Our plan is to have each Blue Hawk member-owner grow their combined market share by 10 percent,” he says, explaining how partnerships with manufacturers and contractors help build a healthy and profitable business environment for all participants.

Blue Hawk members like the control they enjoy as owners. The co-op business model provides a welcome contrast to buying groups—a common inventory procurement option for independent HVACR distributors—which the members neither own nor govern.

Furniture First’s membership is by invitation only. Prospective members of the Harrisburg, Pa. headquartered co-op undergo an intense evaluation process, complete a 16-page application that includes a detailed credit history. Hartman believes the rigorous process is necessary to determine which retailers will make the best members.

Beyond Buying

Though collective buying of goods and services is at the core of every

Purchasing cooperative, today’s member-owners want— and need—more to succeed. Their co-ops are obliging by offering industry-specific support to enhance almost every facet of business management.

From the beginning, CCA has provided its member-owners with “a better level” of services, marketing, training and merchandising. The co-op offers an extensive selection of online training courses for the employees of member stores. To date, employees have completed almost 300,000 courses.

Blue Hawk members benefit from “extras” such as improved marketing channels, public relations, lobbying efforts, educational and training programs, networking opportunities, sharing business best practices and technology support.

Across the purchasing co-op universe, many consider peer-to-peer networking a bonus of membership. Most co-ops hold membership conferences annually, giving members opportunities for face-to-face discussions, and provide online networking tools to help members share ideas and information.

Surviving Tough Times

Small business is risky business these days. A distressed national economy is not favorable for smaller enterprises, which account for about 99 percent of the country’s business. “It’s the worst I’ve ever seen it,” Furniture First’s Hartman says about the rising costs and shrinking profits for independent businesses.

Though they can’t deliver miracles, purchasing cooperatives can provide relief to beleaguered small businesses—sometimes in unexpected ways. For instance, a new movement that brings together retailers by common location rather than business sector is gaining steam.

Knowing firsthand the power of purchasing cooperatives, CCA’s Brodsky believes these independent business owners are learning one of the most important realities of co-op life: There is strength in numbers. “In troubled times, you don’t want to be alone. That’s the worst,” he says. “Join a co-op because it gives you all the support and tools to compete.”

Sidebar: How to Start a Purchasing Coop

Whether they sell homebuilding supplies or hamburgers, savvy independent business owners are finding that working cooperatively is the key to surviving and thriving. Rosemary Mahoney, chief executive officer and cooperative developer for Lovingston, Va.-based MainStreet Cooperative Group, offers these start-up tips to entrepreneurs interested in cooperative development:

1. Find friends. Every cooperative begins with a group of like-minded people. Determine if the perceived threat or opportunity you have identified is shared by other independents. Work to form a core of organizers who are respected by other independent business owners as well as vendors. Not getting the right members at the start is a mistake that can lead to failure.

2. Explore the options. Before making plans to organize your own purchasing cooperative, determine whether any other cooperatives are already serving your sector. If so, can you join that cooperative?

3. Crunch the numbers. Estimate the total amount of your sector’s business volume that is handled by independents. Is this amount of volume significant to your suppliers? Do your suppliers need independent businesses in the sector? The ability to convince vendors to support a start-up cooperative is essential to its success. You must be able to prove that your co-op can deliver a significant amount of volume and bring value to the vendor.

4. Do your homework. Find one or two cooperatives in similar industries and talk with their management and some members to learn more about how cooperatives work. You’ll be surprised at how many cooperators are willing to talk to those seeking more information.

5. Lay a strong foundation. If you decide to go forward in establishing a purchasing cooperative, be sure to work with an attorney who understands this business model. Also, raise enough capital to hire a chief executive officer who is both an industry expert and well respected by vendors and potential members. Trying to self-manage a co-op is a mistake. Most entrepreneurs are too busy running their own business to successfully and simultaneously manage the day-to-day operations of a co-op.

About the Author
Donna Abernathy writes for the National Cooperative Business Association (NCBA) . NCBA is the only cross-sector member that helps develop, advance and promote cooperative businesses across the United States. NCBA helps develop new cooperatives through partnerships with CooperationWorks!—a network of rural co-op development centers—and the Urban Cooperative Development Initiative. For more information, contact Jim Jenkins, director of Communications at 202-383-5447 or jjenkins@ncba.coop .

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SmartSwipe Safe Online Shopping

Now you can swipe your credit card at your home or office computer just like you would in a store! SmartSwipe is the new, smarter, more secure way to shop online. Plug it into your computer’s USB port, go shopping to your favourite online stores, and swipe your credit card – it’s that simple......

Continued in BIZNESS! Newsletter Issue 85 >>>

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Can't stand your demanding boss anymore? Start your own business! Before that, be sure to subscribe to our free informative newsletter. BIZNESS! is jointly published by CoolBusinessIdeas.com and GetEntrepreneurial.com What you get in BIZNESS! - the latest new business ideas, small business advice, business tips and info and entrepreneur resources. Everything you need for your brand new business!

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Article Contributed by Joshua Sim of Singapore Start-up Forum

If you talk to people in Singapore, and ask them about entrepreneurship, you get varied responses.

“Hm, the government is encouraging more people to start business. They are giving more grants and making the registration process easier I heard.”

“Good thing young people like you are starting businesses and reading books to help you. Even if you fail, you still can get back up and do it again.”

“Entrepreneurship is not for everyone. I’m too old for it anyway.”

Most Singaporeans will know what entrepreneurship is, however, few practise it. Apart from small food stall owners, most Singaporeans have a “regular” job. The number of entrepreneurs is estimated to be less than 2% of the whole population.

The good news is that this figure is growing. Thanks to the government’s encouragement, grants, and companies that help teach and promote entrepreneurship.

To these budding entrepreneurs however, a question lingers in their minds. “Where can I find business partners or even a mentor to aid me?”

It is at this point in choosing team members that budding entrepreneurs make an error. They ask their casual friends to be their business partners. The problem with this practice is that some of these friends are not very keen on being business people, and may not have the same goals and dreams as the team leader. These friends may not have the proper skills or business mindset, calling it quits after the first failure. These differences make team synergy impossible, and instead lead to arguments and break-up of the company and team.

Only like-minded people, those with the business mindset, skills, desire to earn, desire to add value to others, or at the very least the interest in creating a business, can and should band together to start an enterprise. Be they good friend or mere acquaintance, only with this interest in business will they make good business partners.

Finding business partners alone is only one problem budding entrepreneurs’ face. Even more challenging is to find business mentors, who are even rarer. Criteria for being a mentor, means having the winning mindset, the business sense, plus having “been there, done that”. Most mentors, who still own and run their own businesses, will not be time free to take care of a ‘disciple’.

As such, there have been cases where the disciple works for free, just to learn the ropes of the business. Much like the jewellery crafters of old. Many budding entrepreneurs may find this practice very unappealing as they may have a full time job to take up most of their time with, let alone start a business. The only few who can work for a mentor for free, are the youth. The students who can still depend on their parents, and work to learn from mentors.

Luckily, some entrepreneurs are trying to help their own kind. Entrepreneurs have build businesses, helping other entrepreneurs get on their feet and move onward. There are entrepreneurship “schools” such as the Entrepreneurs Action Programme by Executive Directions (www.exec-directions.com). Others provide “networking night” or other networking groups that can meet up as often as weekly to monthly.

All this goes to help budding entrepreneurs learn the ropes, and get connected to others to each other.

Here at our own online forum, Singapore Start-up Forum [SSuF], we aim to be the online platform for entrepreneurs to connect, communicate and network. We believe that entrepreneurs should stick together and learn from each other. That way, we all can grow at an even faster pace. This is also called “learning leverage”. Do visit SSuF at www.ssuf.biz and spread the word around. We want all the entrepreneurs and mentors of Singapore to gather at a hub to maximise the benefits of networking and learning from each other.

Hopefully with all these services available, entrepreneurs will have an easier time finding business partners and mentors. If not, entrepreneurs can all hope to find friends who have the same interest in business as them.

Good luck all you entrepreneurs out there, and happy business building!

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Have you ever known someone who could immediately make friends with anyone? You know they type. They can build instant rapport and it doesn’t matter about race, age, or gender. They can walk into a room and befriend everyone from a priest, a mechanic, and the CEO. Afterward you are scratching your head wondering…how did they do it?

In most cases it is because they have mastered several key skills. Sometimes it is something they learn naturally. For most people they have just spent the time improving their skills.

There are four basic personality styles that vary based on the type and amount of information needed to make a decision. Pragmatics and analyticals base decisions on facts and data while amiables and extroverts make decisions based on emotion and feelings. Pragmatics and Extroverts need just enough information to make a decision (and no more!) while analyticals and amiables just can’t get enough.

You can learn more about personality styles in my article Mastering the four personality styles.

Brandt Smith is a sales, marketing, public speaking, and professional development expert. Learn about achieving wealth and life balance through entrepreneurship at Wealth and Wisdom, where he is cofounder and senior editor. Their advice on wealth building, personal development, and life balance can help take you to the next level. You can also read more of his thoughts on his blog.

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Q: I have been having my home based business for three years now and I still am struggling with how to juggle business and being a mom, wife and housekeeper. How do you juggle these? I want to make this a success, but so far it’s only been frustration.

My children are four and two years old and they are more challenging than most (not as in spoiled, but as in needing more time than the average kid). Your thoughts would be greatly appreciated!

A: GREAT question. My kids are now seven and four, so I now have a little bit of help in my seven-year-old. But, I found something that I had written a few years ago. In it, I listed my kids’ ages as four and one. I could tell when reading it that I had been very frazzled. I think I lived in a state of frazzled during those years when they were both so small.

My main advice would be to cut yourself some slack. Things will get easier and more manageable as your kids get older.

My practical advice is this:

1. Plan out menus each week.

I literally spend about two minutes on this. I have a small magnetic dry-erase board that I keep on my refrigerator. Each Sunday, I write out the days of the week and what we’ll have for supper that day. (Lunches almost always consist of sandwiches or something easy like that since it’s just me and the kids.)

This makes grocery shopping a breeze because I know just what ingredients I need. It also alleviates the nagging thoughts of “what are we going to eat tonight?” If possible, have one or both of your kids help you decide what to put. You’ll be surprised at how much they like having a say in what goes on that board!

2. Set a day for everything.

My days look something like this:

* Mondays - Housework and laundry (and business tasks as time allows)
* Tuesdays - Grocery shopping and business tasks (this used to be during naptime, but is now during preschool time)
* Wednesdays - Bible study and lunch with hubby (and business tasks as time allows)
* Thursdays - Business tasks as much as possible with playtime in between
* Friday - Take it Easy Day (and business tasks as time allows)
* Saturdays - Laundry
* Sunday - Church and a good, long nap

It seems a little boring on paper, but I can’t tell you how much this little schedule has saved my sanity. I know when I get up in the morning what I have ahead of me and it is broken into manageable segments. You’ll find that scheduling things amongst these “main” schedule items will get easier and easier as you get used to the schedule.

Jill Hart is the founder of Christian Work at Home Moms, CWAHM.com. She graduated from Grace University with a Bachelor's Degree in Human Development and Family Studies/Bible. Jill has worked from since 2000 and started her own home-based business to assist other Christians who desire to work from home while maintaining a godly life.

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Common sense seems to be in very short supply. Perhaps it always was.

Even allowing for the creative and often hysterical reporting of the news media it is hard to avoid the conclusion that those making and executing laws and regulations in many parts of the world have taken leave of their senses. A previous culture of personal responsibility seems to have changed into a culture of dependence and blame.

Not, of course, entirely, but significantly.

This is wholly understandable. Those societies that reward the feckless and punish the responsible must expect the message to be understood and acted upon. Perhaps some rulers have forgotten that true compassion – indeed, true love - involves helping people to achieve and maintain their independence. Taking away independence is theft of the most precious possession we have.

So far this reads more like a political address on behalf of a Fascist Party than a basis for discussing what people need to learn. I make these points, however, because unless our training system starts with the right premise, everything else that it does will at best be ineffective and at worst be damaging.

I don’t need to explain the difference between education and training, between knowledge and reflection, between information and thought. So I’ll skip the bit about facts, passing exams, exam marking and the roulette wheel of teachers who can (and those who cannot) forecast the likely questions with reasonable accuracy. I’ll omit the scathing references I would have made about people who decry the Arts subjects. I’ll nod only briefly towards the words of George Santayana (1863-1952) ‘Those who cannot remember the past are condemned to repeat it’.

I’ll concentrate on to why ‘what we need to learn’ has changed so much and so recently.

First, in the past few years we have come to understand better the relationship between body and brain. If there is a work / life balance to be struck there is also a body / brain balance in need of attention. Today we are at the threshold of understanding the mind. We have not got there yet but we will, and probably reasonably soon. We now appreciate that the mental prisons we feel trapped in are largely of our own making. We are all capable of much more than we thought.

Such potential brings with it the responsibility to use well the resources we manipulate and to learn a new view of the time over which we manipulate them. Strangely, our forebears had a better sense of this aspect of time than we do. They invested for what they saw as the future; we invest for the next annual – or half-yearly, or quarterly - sometimes even monthly - profit results.

Proper planning has never been so important and never so neglected.

Second, we need to learn the basic skills of interpersonal communication - or social intercourse, if you like. Whether you were in favour of invading Iraq or against it I think we can all agree that in the 21st Century settling disagreements by thuggery is an admission of failure on a breathtaking scale. But that failure doesn’t originate in the White House or Downing Street, it originates in your local town, the nearby neighbourhood, in the way we speak to a traffic officer, in the way officials deal with us.

Have you noticed how people seldom ask questions of each other these days?

Maybe they think it’s intrusive or not very polite. At a time when many of us are going to spend more time in front of our computers we need to improve our social intercourse and change it from the coffee party to intelligent, informed discussion laced with that unique ability human beings have to be amusing about serious matters. Some races have always been rather inhibited about asking questions. We cannot afford such inhibitions any more. It leads to a collection of floating islands, not to a society.

Third, we need to re-learn the joy of work. We’ve separated work and leisure to the point where work is seen as bad and leisure is seen as good. But everyone knows that too much of either is wrong. To do this we must make work joyful, not always easy when rough conditions, noisy machinery, inconsiderate bosses, rapacious shareholders demand effort and forbearance that is above and beyond normal duty. For all that, work must become a time and place of joy.

We seem to have failed to learn that the true satisfaction of a job well done is not in dollars but in the heart of the person doing it. In my mentoring the simple and true story of Alf Tuck, the man who came to thatch the cottage roof, has transformed the attitudes of hundreds of people towards their work. If you want to read it, please ask me by email, and I will send it to you.

Fourth, we need to reconsider the facts we must know. Five years ago it was important to know quite a lot of facts. Today we need to know different facts:

* how to access and store information on the Internet
* how to discriminate between right and wrong information and good and bad sources
* how to reflect on the facts we learn; facts by themselves are like random numbers; they only
* become useful when we interpret them and make decisions based on them.

Fifth, our civilisation is based on trust. That trust is based on truth, a commodity in very short supply at present. No truth, no trust. No trust, no society. There will never be perfect truth and we have to learn to distinguish between truth, lies and hyperbole. But if we do not understand and accept the relevance of truth for our very existence, our society will increasingly fail.

There are many other things we have to learn, of course. These are, to my way of thinking, the five essentials. At present they are being neglected in favour of doubtful academic awards. If you agree with my very brief summary of what people need to learn today there is one remaining question: where do we get the teachers to do it?

That’s my question to you.

John Bittleston blogs at TerrificMentors.com, a site that provides mentoring for those who wish a change in career or job, wanting to start a business or looking to improve their handling of people (including themselves).

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There are thousands of forums on the web ranging from any subject imaginable. Forums are a collection of people interested in specific subject collaboration with one another. Forums even have top experts in those fields answering questions and offering advice at no cost. Forums allow for user interaction through question and answer boards. These boards have moderators to prevent spammers from ruining the forums goals.

Forums are becoming more popular every day as people want to communicate with one another via the web. Forums are a great place to find an answer to technical questions or get some expert advice. Larger forums receive thousands of visitors a day, bringing together a community of experts in a specific field or industry. Besides helping you find answers, forums can be a valuable tool for site promotion (search engine optimization), increasing traffic (search engine marketing), and proving that you really are an expert in a specific field (building credibility).

The more exposure you and your business receives, the better off your company will be in the long run. As more and more web users see your company they will be inclined to view your website and learn what you have to offer. This can ultimately lead to increased sales for your business and higher search engine rankings. You must remember that every customer has the potential to negatively impact your business with a negative rating or feedback, so be sure to treat each customer with the upmost respect and courtesy so they will recommend you to others.

Search Engine Optimization Benefits

Forums are a great way to get a new site indexed by the major search engines. Since the search engines require a listing fee and have extremely long waiting periods to be indexed in their results, forums make a great alternative. Forums can get a new site indexed in the search engines at no cost and in as little as 3 days. All you need to do is find a high traffic forum that is indexed frequently and place a link of your new site in a post or signature. Signatures are a place at the bottom of every post you make that is reserved for customized note, saying, or link. If you want to utilize the signature for Search Engine Optimization purposes then you want to find forums that do not have the No Follow tag and place a link to your website in the signature. You will get a one-way link to your site, which is very good. To make the link even more valuable, make sure you are posting in a forum related to your website and you have keyword rich anchor text in your signature.

I have compiled a list of some of the top forums that currently do not use the No Follow Tag. Posting in these forums will get you a back link to your website, which is very helpful for search engine optimization.

techsupportforum.com/
v7n.com/forums
webproworld.com/
http://forums.digitalpoint.com/
webhostingtalk.com
forum.mambo-foundation.org
simplemachines.org

Search Engine Marketing Benefits

Forums benefit Search Engine Marketing plans as you can easily market your company and build up positive feedback for yourself. There are hundreds of forums you can post in. You want to look for forums that are relevant to your industry. Do not sign up for comic book forums, when your company is selling medical equipment. Sign up for the comic book forum on your own time with another user name. You want to build up your company’s reputation through forums that are related to your line of business.

When you post frequently in forums you begin to build up a reputation for yourself. Building up a positive relationship with your fellow forums members can establish a positive feedback towards you and your business. As we all know in this Web 2.0 world where users can interact with one another it is imperative to have positive feedback. Even one bad complaint can have irreversible negative ramifications upon your business. To avoid this be respectful to each customer and treat them as you would expect to be treated.

Posting new threads and responding to questions posted by members can build up your reputation and make you an authoritative figure, assisting with your search engine marketing. Make sure your posts are relevant to the thread. Do not spam every thread trying to build up your reputation.

Forums display the number of posts a member made next to the user name and avatar. The more posts shown by you, the more respected you become. Members with certain amounts of posts receive badges given out by the forums. Basically, the more you post in the forum the higher badge, deemed as credibility, you will be awarded.

In essence, forums are a strong marketing place. Not only do forums benefit search engine optimization, but they also help with search engine marketing. Any webmaster should take place in some sort of forum posting, whether it be for building links or obtaining a positive reputation for your company, forums are imperative to a websites success.

About the Author:
Brandon Leibowitz is an expert search engine optimization and marketing consultant. For a complete list of do follow forums visit his website at http://www.SeoOptimizers.com. Read his SEO and SEM Blog at http://blog.seooptimizers.com

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Get BACK IN BLACK (BI-B) and back in business by gathering- and using knowledge of your lost business - lost trades. The 5 step program for sales managers and directors shows you exactly how. And you'll see what a difference it could make to your profits if you start to convert lost trades to future actual trades. For more information on Business Intelligence Systems handling lost business visit: http://www.lost-trade-systems.com or you might want to read a newly published book: The Lost-Trade System.

Step 1 - Decide on strategic use of using knowledge of lost trades to improve future performance. Making a smart strategic decision to change your workflow and your daily sales work starting by converting your lost trades to future won trades is now critical to the success of an organization; however the management of sales leads is often very haphazard. If you're spending a great deal of time and money acquiring sales leads only to fail to maximize on their potential. If you are losing countless deals and money you need to make a strategic decision and act now. And some of the most successful sales organizations in the financial sector have been doing exactly this for years.

Step 2 - Capture your lost trades (leads) effectively. Registering lost trades should be as natural as capturing an actual customer trade. Start capturing your lost trades in an Excel spreadsheet posted on the company intranet or by using a relational database and a web interface. About 75% of sales managers are using Excel spreadsheets - So Excel could be a core base for lost trades or enquiries that did not result in margin and revenue. Although using Excel spreadsheets should be a popular method for handling lost enquiries and storing this information, 68% of those who use it on a daily basis are unhappy with its performance. In order to move business forward, sales organizations should - on sight - find a solution to modernize and streamline their daily processes in a way. Believe me; the value of this lost trade database will only grow over time.

Step 3 - Start benchmarking your looses versus your actual trades. To drive business forward, retain customers and create sales, it is essential to understand what business you did not have - your lost trades - and compare it the business you did had, and visualizing long run loosing trends, using appropriate metrics. Using this ‘two ledger' approach will give sales reports detailed analysis of what needs to be done, this will allow you a detailed insight into the strengths and weaknesses of your teams performance, and to make informed business decisions. Ex: You will spot leaving customers before it happens

Step 4 - Create knowledge of lost business data to create new business. Use the information supplied by the graphs of long run losing trends to create knowledge about which of your customers are about to leave, which product are underperforming and which competitors are stealing your business to identify future areas to improve upon. Use this knowledge to take action to get back in black in step 5.

Step 5 - Take action daily based on your new knowledge to maximize your sales revenue and even reach for higher sales targets. It's easier to maximize existing opportunities if you have an accurate record of all enquiries from customers - Both your actual trades and your lost trades - You will in light the ‘dark side of the sales moon ‘and use these as sales leads that have reached a positive conclusion, retaining customers and cross-selling or up-selling. Manage these opportunities effectively using the right methodology and technology in your daily work in sales, and you'll see what a difference it could make to your profits.

About the Author:
Jesper Thorlund is an economist, BI advisor and systems developer. He has been working with business intelligence and data warehouse solutions for more than 12 years as a consultant in major financial and govermental institutions. He publishes and lectures on the strategic use of business intelligence and founded Lost Trade Systems - A BI Research Company, which specializes in bringing new insights and value to businesses by working methodically with lost trades. He co-authored the bestselling book Business Intelligence, From Strategy to Data Sources (2008), available as Business Analytics in English in the SAS Press Business Series, August 2009.

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YouTube has become a dominant force in on the web. According to comScore, in March of 2008 over 11.5 billion videos were watched by 139 million Unites States viewers. YouTube has become one of the top viewed websites in quite a short time. Google’s purchase of YouTube shows us how valuable of a tool YouTube is and the potential it has. YouTube videos are starting to show up on Google natural search engine results, surpassing the top spots. A YouTube video properly optimized can outrank sites such as Amazon and EBay. This is an internet marketer’s dream tool and it is so simple to use. This is why you must properly optimize your YouTube videos.

A good starting point for YouTube optimization is to make videos that are short, sweet, and straight to the point. People want instant gratification, not wanting to sit around watching a 30 minute video on how to use a cell phone headset. Videos should be kept to a few minutes to reduce production time, upload time, and download times. Have a script prepared so you do not mutter or stumble upon your words. Film the video in the highest quality format you can. Crisp, clean videos will receive more attention than grainy, hard to see videos. Do not make videos private and always allow for comments. This user interaction can help increase video views and move you up the YouTube video rankings. Using Annotations, text boxes in your video, can help deliver your message or promote your website or company. Make sure not too over use annotations as they can become annoying and distracting from your videos main purpose.

Since the search engine spiders cannot read or comprehend videos you must use the text fields to optimize your videos appropriately. This means doing keyword research and making sure your keywords appear in the title, description, and tags of your video is imperative to a successful YouTube marketing campaign. Maximize on the amount of text you can have in these fields. More text means a better chance of someone finding and clicking into your video. Make sure you use original titles and descriptions otherwise your video will get lost in the millions of videos with similar names. Original content is what YouTube wants to see. The more originality you add the better off you will be. You also want to have a user name with your brand or website name so it is easily remembered.

You have to put everything into perspective to increase views, as the average video only receives one hundred views annually. According to YouTube guidelines there are many factors that influence rankings and can help optimize your videos. These include the video title, the description, tags, incoming links, comments, subscribers, ratings, playlist additions, flagging, embeds, shares, age of video, channel views, subscribers, views, and the number and quality of sites that host or point to your video. You want to interact on YouTube by watching other videos, commenting, subscribing, creating channels, and making friends. Interaction helps with the viral marketing, where one person tells another person about the video. This person tells five others and so on. Doing this will increase your video network and views. All these factor into ranking high for YouTube optimization.

If your video appears on an outside website you want to make sure that it is relevant and appropriate for your video. Each time your video is viewed from an outside source it still counts as a view, so keep posting your videos on blogs and other sites. Basically, you need links from outside pages leading to your YouTube videos. You want the links to have strong anchor text, meaning that the link leading to the video contains keywords related to your video.

To increase your videos views, subscriptions, and favorites you can send out an email blasts, place your video on your website and other websites, engage in the community, build a following, connect with other members, provide valuable content, participate in social networking sites. Basically the Web 2.0 created a heaven place for video sharing. Your ultimate goal should be to reach YouTube’s homepage under Spotlight, Most Viewed, Most Discussed, and Top Favorite Videos.

You can submit your video to the major video sites at once using programs such as Tube Mogul and Traffic Geyser. These software programs submit your video to all the major video sharing sites for you, saving time and energy. Simply enter the tile, description, and tags for your video and it will appear on all the major video sharing sites. They offer analytics and tracking for your videos in one place making it easy to analyze and tweak your videos.

The best analytics would have to be the one given to you for free, YouTube Insight. This will give you all the stats and detailed information you could ever ask for. With Insight you can see how many page views you have, how popular it is, where people found your video, what country people watching your video are from, what sections of your video are most watched and least watched, and so much more. This statistical data should help optimize your current video and plan for future videos. There are many articles written about YouTube Insight and how to take advantage of it. I suggest reading up on these.

There is a program called video tube automators, which is designed to build hundreds of YouTube accounts so you can view, comment, subscribe, and vote on your own videos. This run into the black hat area of marketing and is seen as spam. This is unethical and can get your account permanently banned from YouTube.

Monetizing your YouTube videos is quite easy. You can easily set up your Ad Sense account in accordance with YouTube so you can start receiving money every time an ad is clicked next to your video. The main source of income from YouTube comes from the fact that you can show product reviews and sell features that could not be described in words. Electronic gadgets are a perfect match for YouTube video reviews.

About the Author:
Brandon Leibowitz is an expert search engine optimization and marketing consultant. For a complete list of do follow forums visit his website at http://www.SeoOptimizers.com. Read his SEO and SEM Blog at http://blog.seooptimizers.com

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As the saying goes, you only get one chance to make a first impression. This is especially true when it comes to web design. A recent Nielsen NetRatings survey sets the average webpage view at 60 seconds- meaning that internet users decide in less than a minute whether or not to continue browsing your site! This makes a well designed website is an absolute necessity- you need to reel customers in at first glance and keep them browsing with a site that’s easy to navigate and pleasing to the eye.

How do you make sure your site is what customers are looking for? Can you just buy one of those “Websites for Dummies” books and do it yourself? Probably not, if you want quality results. When it comes to web design, it’s a good idea to hire a professional- someone who can work with you, using their own experiences and skills, to craft the site you want.

Professional web design isn’t out of reach for businesses with stretched resources. Here’s a quick guide to making the most of your web design budget, so that you can get the site you want at a price you can afford.

Set up a basic contract
You don’t need to hire a designer to design a full site all at once. You can split up the design process to accommodate your resources by contracting for site architecture or homepage design only, and then moving forward when you’re able to afford additional services. Breaking the contract into phases also gives you more negotiating power- when services are finished, you can negotiate prices on the next phase of design.

Negotiate
In the initial stages of contract formation, you’re in the best position to negotiate. During your first meeting with a designer, you should discuss your goals (better ecommerce functioning, better graphics, etc.) and how you want the site to look and feel. You’ll also discuss timelines and budget, and might even work on forming an agreement draft. Try to get an idea of the total cost for the site, getting a written quote for services if possible. Consulting with at least a few different web designers will allow you to get an idea of pricing structures, and help you negotiate a better deal.

What to ask for
One of the best ways to save money on a web design contract is to ask for a project cost rather than an hourly billing structure. With hourly billing, the designer bills you for the time it takes to design the site- a factor that’s completely outside of your control. If you end up requesting changes or making modifications to design work, costs can quickly increase. By asking for a total cost, you’ll know exactly how much you’re paying.

While most designers will charge for additional services not specified in the contract, you can ask that potential additional design costs be specified in your initial agreement. That way, if you want to make changes, you’ll know exactly how much they will add to the total cost.

You can also ask to pay in installments as each stage of the project is completed. Smaller company or a freelance designers are generally more flexible when it comes to payment timelines, so you might be able to request extensions or modifications to the payment schedule even after you’ve signed the contract.

What should be in the contract?
The contract should contain a description of services, a timeline for completion, a breakdown of total costs, and a description of ownership rights. It should also address web hosting issues. It’s also helpful to specify the procedures for approval of completed work, or notification when changes need to be made. The contract should not contain an outline of design specifications or web programming elements. Usually, designers retain the copyrights to a site they have created, unless they are “working for hire.” It’s important to make sure that you can make changes to the site if you need to- even if you hire a new design company.

Merrin Muxlow is a writer, yoga instructor, and law student based in San Diego, California. She writes extensively for Resource Nation, a company that provides resources for business owners, and is a frequent contributor to several sites and programs that offer tools for entrepreneurs, including Dell and BizEquity.

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Every time I turn on the news I feel like screaming. I am sick and tired of hearing about how bad the economy is. Unemployment is up and is only going to get worse. Banks are in trouble and going under. Real estate is a mess and there is no end in sight. Major corporations are going bankrupt - heck, even the big three automakers may go under.

I hear about how this is the next great depression. I hear about the collapse of the dollar, the collapse of the western world, and the end of society as we know it.

It Isn't As Bad As It Sounds
The sad part is that it isn't all that bad. Yes the economy stinks, but this is only when compared to the amazing boom we experienced in the last decade. Companies have been able to go after the low hanging fruit-heck, there was more lying on the ground than you could pick up!

Just because the ground isn't littered with business anymore doesn't mean that there isn't business out there. You just have to work for it. And the past decade of easy business means that most companies have not made the connections and built relationships. Now they pay the price.

And at the end of the day, now is the time where entrepreneurs can really shine.
No, I'm not crazy. Think about what a true entrepreneur does.

• He connects with his customer


• identifies his needs and problems


• then creates products and services to fill those needs or problems

In other words, he gets paid to solve problems

Now more than ever companies are in trouble. Your customer desperately needs you. No, he isn't spending indiscriminately. But if you solve his problem and help him survive (or thrive) in this downturn he will be your customer for life. And you solve your "slow business" problem at the same time. Only an entrepreneur can do this, and you finally have an advantage over larger companies.

Simple, but Hard to Do
This is a simple concept that is hard to do. I've written several articles that are aimed at this:

• Recessionproof your sales


• How to Thrive in a Recession


• How to Thrive in a Recession - Ignore the News


• How to Thrive in a Recession - It’s All About the Customer


• How to Thrive in a Recession - Working for Someone Else


Brandt Smith is a sales, marketing, public speaking, and professional development expert. Learn about achieving wealth and life balance through entrepreneurship at Wealth and Wisdom, where he is cofounder and senior editor. Their advice on wealth building, personal development, and life balance can help take you to the next level. You can also read more of his thoughts on his blog.

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At any given second, there are two million bits of information bombarding us. While it is impossible to consciously be aware of everything, our mind tends to filter all this stimuli and focus on a few chunks of information at a time.

Similarly, when we think of something in the past or something in the future, we tend to focus on certain aspects of the experience. And to us what we choose to focus on becomes most real in our minds.

Some people have a pattern of focusing on pictures, sounds and feelings that put them into un-resourceful states while others generate pictures, sounds and feelings them put them into resourceful states.

How about you? What do you do when you meet with failure? Some people keep playing mind pictures of themselves screwing up. Some people even play it like a bad movie, over and over again in their heads.

They keep seeing themselves making the bad decisions, experiencing the consequences and they re-play all the negative voices around them. They may play the sound of their boss shouting at them. Then they run an internal dialogue that goes like this: 'How could I have been so stupid!' 'Why do I always screw things up?'

What kind of pictures and sounds should one play to produce a resourceful state?

Well, this is what positive people do when they encounter failure. They choose to re-present the failure as feedback that will lead them into finding a solution. Instead of re-playing scenes of the event or project that flopped, they focus on what they can learn from it, and how they will do it the next time...to get good results.

They may even imagine themselves succeeding, using what they have learnt from the past experience, and their success would be accompanied by the sounds of people cheering or the boss congratulating them.

They may play an internal dialogue that goes something like this: 'I'll make it the next time for sure', 'I'll prove that I can turn things around'. Or they'll say reflectively:' Now, what can I learn from this experience'.

Our minds are never still or idle...throughout our waking hours we play mental programs continuously. Now, start becoming aware of the kind of mental program you usually run, when you are about to take on a challenging task?

For example, just before making an important presentation or writing a difficult report, what goes on in your mind?

Are you one of those who habitually focus on how difficult it is going to be? Do you see yourself being overwhelmed and stressed out? Do you mutter under your breath, 'Oh no! How am I ever going to do this?' 'What if I screw up?' 'It's just too difficult!' You may even picture yourself screwing up or giving up. As a result you get into a state of nervous anxiety.

But can you choose to represent the challenge very differently in your mind? Of course! You could choose to focus on how easy, fun and rewarding the challenge will be. Confident people will picture themselves dealing with the task or project effortlessly. They may even have an internal voice saying, 'I am finally getting this done! This is so rewarding!' 'I knew I could do it.'

Now, given the same challenge, why do some people rise to it while others feel apprehension? The interesting fact is that most of us do not consciously decide what pictures, sounds and feelings we are going to generate in our mind.

Our mind seems to be on auto-pilot and, within seconds of being faced with a challenge, it will subconsciously, create re-presentations. And the kinds of re-presentations created are dependent on past conditioning.

Isn't this scary? It appears that we do not have much control over our mind! This is why most people feel that their emotions control them.

Begin by paying full attention to the 'program' that is running in your brain-mind. If you find that what you are thinking of is not putting you in a resourceful state, then change it! In short, consciously change WHAT you focus on! You may keep slipping back, and each time you do, pull yourself up and re-focus.

If you want to have mastery over your mind and emotions, then you must begin right away to control what you focus on!

Adam Khoo is an entrepreneur, a best-selling author and a peak performance trainer. A self-made millionaire by the age of 26, he owns and runs several businesses in education, training, event management and advertising, all with a combined annual turnover of $20 million. His best-selling "Patterns of Excellence" is a complete step-by-step system that will literally program you for success in life.

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Inventor Resource: Selling a new invention is a specialist activity. Nonetheless, there’s no reason why an inventor shouldn’t become involved in marketing. After all, the better an invention sells, the greater the business interest in future ideas.

Use this checklist to see whether your business or licensing company is using every means to sell your invention. Some sales techniques may be more suited to your invention than others, of course; but in marketing you have to look at every angle.

Please note that if you consider but reject some of the items on the checklist, ensure you have good reasons for the rejection.

Budget
There should be a marketing budget in place with accurate figures for each part of the marketing process. If you need help creating a marketing budget, consult an accountant.

Marketing budget in place.
Individual amounts within the budget approved.

Branding
Consider using a brand name for your invention. Brand names are useful marketing tools – look at the success of Virgin, for example. Brand names can create brand loyalty among customers and make the sale of future products easier.

Media Kit
It can be helpful to pass a media kit to any journalist who makes enquiries about your invention and company. The media kit can contain product details, your biography, company history, and even a product sample, if appropriate.

Market Research
Market research can tell you how successful your invention is likely to be, and if you need to make some changes.
Although market research essentially consists of asking questions and collating replies, it may be best to contract a specialist to do this. A good market research company knows who to target and exactly how to phrase questions.

Product Evaluation
Inventors and businesses sometimes neglect product evaluation. Evaluation tells you, however, how much your product will cost to produce, and how much you need to sell it for to cover additional costs and make a profit. In the marketing context, product evaluation can therefore help you decide how much money you can use for sales and promotion.

Public Relations
Public relations companies can launch and promote your invention to gain it maximum media and public exposure. It can be worth talking to PR companies to see what they can do for you.

Advertising Media
The nature of your invention may dictate the advertising media you employ. Consider advertising with the following.
TV, Radio, The Internet, Newspapers and magazines, Direct mail.

Product Placement
Product placement is particularly effective for general consumer goods, especially when linked to a brand name. Generally speaking, it involves placing your product in the public eye by sponsoring conferences, radio shows, TV programmes, and even films.
On TV dramas and films, your product may also appear in some camera shots.

Trade Fairs And Conferences
Running a stand at a trade fair or industry conference is a good way of promoting your invention, and networking with possible wholesalers, retailers, and consumers.

Abroad
Always consider the possibility of selling abroad. You need to address issues such as currency differences, export regulations, and local laws; nonetheless, the UK government can give expert advice. Contact the Department for Business, Enterprise and Regulatory Reform (BERR).

Focusing On The Benefits
Ensure that your advertising focuses on the benefits of your invention. The benefits are what potential buyers want to read about. They need to know what problems your invention solves, and what it can do to help them.

Advertising focuses on the benefits of the invention

Flexibility
Marketing, like other aspects of business, needs a flexible approach. If sales are poor, those responsible for marketing your invention must respond quickly and positively.

Everyone involved in marketing has a flexible approach

Offers
Consider using promotional offers for your invention. You don’t need to reduce the price – you can add something free of charge, for example. If you think a promotional offer is worth looking at, try testing it first with some market research.

Marketing Plan
A marketing plan focuses attention on how to sell your invention. It should also encompass every relevant point made on this checklist. Your local business advice centre may be able to give you assistance with creating a marketing plan if necessary.

Plan written
Plan regularly reviewed

Marketing Checklist: Will it Sell? [Inventor Resource]

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TonyAdam: For companies and individuals alike, there is a major need for reputation management. It’s the reason that conferences have panels specifically on the topic. That reason is that individuals and businesses alike can be affected by negative reputation. This isn’t just an issue of popularity either, it’s an issue of brand perception, an individuals brand perception, or even the ability to be hired/fired from a job.

Having Online Reputation Management concerns can cause revenue losses and/or income.

I really want to state that if you have not dealt with this or have no experience in understanding the Reputation Management space, then please, do not write about why it is not important.
Who are these people?!

Rather than continuing to tell you why ORM is so important, I’ll answer the question you might ask: “who are the people or companies that care about online reputation management?” Lets run through a few of these right here to provide a better understanding of why ORM is important:
CEOs

An organization with a CEO that has negative perceptions in the press or social atmosphere can lead to the organization or the brand of that organization having negative sentiments or perceptions. I’m not just talking about the SERPs here, but, in terms of Social Mentions in blogs, microblogs, and/or news results that surround that individual. Did you know 87% of people believe a CEO’s reputation reflects on the overall company’s reputation?
Political Figures

Think about the number of times have you seen a political figure that gets tons of bad press and has led to the downfall of his/her campaign or election/re-election to office. Social Media is now playing a part in the political climate and because of that we saw now President Obama reach millions of people.

But, to take this to the next level, lets look at an example that deals with President Obama. How many of you can say you know that he is a smoker? (Now, I am not judging him on this, but using it as a point of reference). This was downplayed a ton during the elections again because of the fact that his team did not want to create a negative perception of the candidate during the elections. This becoming an issue could have, hypothetically, led to the loss of many votes, especially from anti-cigarette and anti-smoking groups.
Companies and Brands

Companies and the brands of those companies alike experience the most pain when it comes to reputation management. Something that is a hard fact: Companies and Brands with negative search results tied to brand related queries will see a drop in revenue because a user/customer is likely to switch products/services based on that negative result. Even more interesting is that queries relative to corporate figures will also lead to a dip in revenue/sales. It’s estimated that 58% of searchers will visit a competing website after seeing negative search results.

An example of this is tied to PayPal and my experience working there. PayPal saw 4 of it’s top 10 search results tied to the brand query “paypal” go to flame sites. Working internally, there was an estimated figure in net revenue losses per negative search result. That is where that 58% number above comes in…because of this negative reputation caused by search results, users were switching.
Celebrities

Celebrities make the news all the time for the stupid things that they do. Whether it is someone driving drunk or who’s sleeping with who, it is all things that affect their personal brand. And, in this case, their personal brand is like that of a business, their personal brand is the most important thing to their livelihood.

Because I am all about examples, lets continue down that path and look at the sports figure that we all know I can’t stand: Kobe Bryant. He was accused of raping a girl in a hotel room back in 2003/2004. Luckily for Bryant this was during a time when Social Media was not as prominent, but, unluckily for Bryant it still effected him financially. He lost endorsement deals from companies like Nike because of the negative press and negative reputation.
The Job Market

The economic climate is horrible at the moment. Unemployment is at astonishing highs and it’s tough to find a job right now. Now, to add to that, recruiters and HR teams are getting saavier and understanding Search and Social Media extremely well. What does that mean for you? It means that Online Reputation Management is important to your personal brand. Because, not only are they looking, but 78% of recruiters research a candidate online and 35% actually reject a candidate based on this. Andy Beal even wrote a post on why your Google Reputation can hurt your career.

Creating a personal brand is even more important as researchers and experts in the job market reference this all the time. I can’t tell you how many times I’m watching CNN, (and let me tell you, I caught a lot of it while I only had a few channels the last couple months!), and these experts mention Facebook, Google, search, and your personal brand being EXTREMELY important, not just now during economic uncertainty, but, forever.
Don’t be silly, Online Reputation Management does matter:

Again, this is another situation where we have someone that is creating a post that is possibly baiting for reactions or what not. Or, we have another person in the industry that is writing something without actually researching the topic. But, please please please people, if you have no experience or expertise on a topic, then stay away from writing it, it just makes you look like you haven’t done your research. And, if you look at the stats above, then it’s pretty obvious that ORM does matter.

Online Reputation Management DOES matter [TonyAdam]

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DIYbio Hub

Ever wanted to play with your own genome? When you read about the latest genetic engineering tools do your fingers itch with anticipation? Do you look around the library, the pub, or the community center searching for your fellow biohackers? Look no further, intrepid gene-explorer, the Do-It-Yourself Biology movement has found a home at DIYbio.org.....

Continued in BIZNESS! Newsletter Issue 84 >>>

- Digital Photo Gallery
- Rock ‘n’ Roll Hotel
- No Wash Boxers
- Suit Monogramming
- Gift Cards Exchange
- Enhancing Chat Experience
- Design Your Own Pillow

Continue reading these top stories in the BIZNESS! Newsletter >>>

- Making the Most of your Online Marketing Efforts
- Top Reasons To Start a Home Based Business
- What You Need to Grow Your Business
- How to Enhance Relationships, Increase Fulfillment & Empower Yourself by Being Authentic
- How to Choose a Pay-Per-Click Firm That Turns Clicks into Clients
- Outsourcing Good For Startups?
- Low Cost Franchises

Continue reading these top stories in the BIZNESS! Newsletter >>>

Can't stand your demanding boss anymore? Start your own business! Before that, be sure to subscribe to our free informative newsletter. BIZNESS! is jointly published by CoolBusinessIdeas.com and GetEntrepreneurial.com What you get in BIZNESS! - the latest new business ideas, small business advice, business tips and info and entrepreneur resources. Everything you need for your brand new business!

Free 20-pages PDF report (worth $38) - "New Business Ideas Report 2007" - included with your subscription. Learn more here.

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For many solopreneurs they think that once they’ve set themselves up in business it’s all about marketing, marketing, marketing. But there’s one very important piece of the puzzle you need to have in place before you start your marketing … and that’s your managing.

Building a successful long-term profitable business isn't about "marketing" your business, it's about "managing" your business - the marketing comes once you have your management systems in place… this is a really important concept, and once you’ve got to grips with this, marketing becomes a whole lot easier!

You cannot begin to market your business if you can't find the information you need, don't know who you are marketing to, and don't know where you are in your business.

So what I’d like to share with you today are my top 5 steps to setting up your core office organization systems.

1. CREATE your paper-based filing system. Having an efficient filing system in place will enable you to find the information you need, when you need it! First of all invest in your filing storage, whether that’s a dedicated filing cabinet or plastic filing crates. Keep in mind you will need TWICE as much storage space as you think you’ll need. When setting up your filing system it’s important that you design a system that fits YOUR style.

2. TACKLE the Paper Pile using my super-simple Two-Step System. This is a really quick and simple way of tackling your piles of paper. The goal is to get all the papers off your desk and floor and either have them filed away for when you need them again; in a special ‘action’ folder that you work on during your allotted ‘action focus’ time; or quite simply tossed! You would be surprised at how many papers you are holding on to that when you look back at them you find are either out-of-date or simply not relevant to your business needs anymore.

3. CREATE your PC filing system. Once you’ve got the first two steps completed, this third step actually becomes quite easy. Your PC is also a large filing cabinet, so it makes sense to replicate your paper-based system for the PC. If you have created main category files, then create a main category folder in your ‘My Documents’ folder on your PC, and create sub-files in this main folder as necessary. Repeat this process for all your main filing categories.

4. ORGANIZE your Inbox. Emails! Another huge time drain if not organized properly. Use the same system again to store and manage all your emails. Instead of them all going into one huge Inbox that’s totally unorganized, break your Inbox down into different folders and move the relevant email into that folder. Follow the same system as for your paper and PC-based filing systems. In Outlook you can create Email Rules so that emails are automatically moved into the appropriate folder as they come into your Inbox. Consistency is the key to an efficient filing system. Keeping to the same system will make it much easier for you to manage.

5. CREATE a PC and file back up system. Now that you’ve spent time creating all these systems it’s vital that you also have a PC back-up system in place. You simply cannot afford to lose any of your vital documents when you run a solo service business. In fact I highly advise having two back up systems in place – one onsite and one offsite. The onsite back up can be through an external hard drive, and the offsite back up service can be through an automatic backup service.

Make a plan today to get these core systems in place and your business will start to become effortless and fun – isn’t that an exciting thought!

Online Business Manager & Virtual Assistant, Tracey Lawton, supports professional speakers, coaches, and authors to operate an efficient, organized, and profitable business. Learn how to create an efficient and organized office in 7 EASY steps, and receive free how-to articles at http://www.OfficeOrganizationSuccess.com.

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Article Contributed By Robbie Kellman Baxter

I'll admit it-I'm a Facebook junkie. I also have accounts on LinkedIn, Twitter, and my college and business school communities that I diligently keep current. But I love Facebook. I love playing WordTwist with my dad, my sister and my college friends. I love reading status updates and knowing who's organizing their sock drawer and who's inspired by Thomas Friedman's latest article. I love looking at photos of people's vacations and scanned images from camps and bar mitzvahs of the 80s.

I also believe that my time on Facebook is about more than just fun. It's actually a way of building deeper relationships with people in my professional community. People ask me all the time why I spend so much time on Facebook-and I tell them that it's good for business. Look at who's using it most-people just out of college and people on the cutting edge of technology-VCs, entrepreneurs, industry analysts. It's obvious that it is the way we will be communicating in the future. So you might as well figure it out now.

Below are the top reasons my professional colleagues are staying off Facebook-with my rebuttals.

1. It's a time-sink.

You can spend the whole day playing on Facebook. Some of my personal favorite time wasters include browsing the photo albums of acquaintances, clicking on the pages of friends-of-friends to learn about their interests, playing WordTwist, and watching funny videos. Robbie says: there are so many ways to waste time-you can waste time watching TV, or chatting on the phone-but that doesn't mean we give up TVs or phones. Treat Facebook the way you might treat any other type of connecting activities-phone, face-to-face etc. First, make sure you only participate in ways that are enjoyable for you. Second, be disciplined about how, and how much, time is spent on Facebook.

2. It infringes on my privacy.

This is a big concern with my colleagues. What if my boss saw that my status said that I was in a job interview, or was nursing a hangover? What if a prospective client saw the photos of a girls weekend-what happens in Vegas should stay in Vegas. Do I really want my grandma to know that I'm politically liberal? Certain status updates could lead to some uncomfortable conversations that never had to happen. Robbie says: Facebook has many ways to protect your privacy. You can limit your entire presence on Facebook, down to your name, to your network or just your personal friends. You can choose not to post comments or photos that might conflict with the image you choose to project. It should go without saying that posting "...hates her job" or "...is soooo wasted" should not be posted (or emailed for that matter) anywhere public.

3. It could be dangerous.

The privacy issue can go one step further into more dangerous territory. For example, there are probably dozens of scams that are based on information that is easily obtained on Facebook. We don't know exactly what those scams are, but it is easy to imagine unsavory activities that take advantage of having our contact information, photos of loved ones and all-too frequent status updates. With all the issues around identity theft-it just seems safer to avoid unnecessary publicity. Robbie says: it is interesting to note that the Facebook vanguard, both younger generations and the older VCs and business execs working in social media, seem comfortable keeping their entire profiles available to the public-maybe we are all a little overzealous about protecting our security on Facebook-given that we leave doors unlocked, hand our credit cards to teenaged shop clerks and our car keys to valets we don't know.

4. I prefer to stay in touch in other ways

A lot of great networkers have avoided participating in any of the social networks because, they say, they just don't need another channel to communicate. They prefer to get together in person, or on the phone, or stay current via email. They send long newsy holiday cards and host annual pool parties-so why do they need another way to keep in touch with the same crowd? Robbie says: everyone has their preferred way to communicate-if it is important to you to be connected, you need to respect the preferences of your friends and colleagues. In addition, Facebook is a really efficient way to reconnect with people from your past-it's quick and easy to search specific names, and you can find other friends by reviewing the friends of your friends. I've "found" some great old friends I haven't seen since junior high school on Facebook.

5. It doesn't help me professionally-it's just for fun, and I prefer to have fun in other ways.

I do not like to network, and do not see any value in Facebook. I can't see any professional results from Facebook. Robbie says: the value of networking goes well beyond work. If you accept that people help each other succeed professionally, and people are more likely to help those they know well, then Facebook is actually an efficient way to maintain and grow relationships with a broad group of friends and acquaintences across the globe. And knowing people's personal and professional lives gives you a level of intimacy that strengthens the bonds.

6. I don't want to know so much about other people, it's creepy.

I can go on Facebook and see my cousins chugging beers at college or in-hospital photos of my client hours after giving birth. A friend of mine was uncomfortable to stumble upon photos of her rabbi partying on a Saturday night. Even if people go to great lengths to keep their Facebook page private, they have little control over what other people post. For example, I know several psychologists who are invisible on Facebook to everyone but their close friends-and yet many of them are tagged in other people's photos. Robbie says: once you get on Facebook, you will find some people more interesting (or more creepy) than others. And you can decide whose profiles you want to follow more regularly and set preferences accordingly. Just as in real life there are people we can't get enough of and people we've already had enough of-on Facebook, it takes all kinds!

7. I like to keep my personal and professional lives separate.

I spend enough time and energy at work. I don't want to know about people's feuds, toddlers and household projects. If I cross the line with my boss or direct reports, the relationship might get too intimate in a weird way. Robbie says: Fair enough. If you don't want your colleagues to know you as a person, then you probably shouldn't be on Facebook. I can virtually guarantee that as soon as you set up your Facebook profile, your colleagues will try to friend you. There is really no polite way to ignore them-because ultimately, the only reason you can give is "I don't really consider you a friend...and FB is only for my friends". But why would you want to keep your colleagues from getting to know you? I know so many people who carefully avoided working with friends or crossing the "colleague" line with folks at work. Once it happens, people generally find that friends are great to work with. Friends have an extra incentive to cover your back, and help you succeed. The Great Places to Work Institute has found that the single most important factor in being a great place to work is having a "best friend" at the office. And, if you have friends at work, you'll never have to eat alone.

8. It's too hard!

I don't know how to post photos and don't have any idea how to come up with the clever status updates that everyone else seems to have time to do. Robbie says: My parents and in-laws are on Facebook, as are my teenage cousins. If you're smart enough to get online, you're smart enough to set up and use a Facebook profile. Trust me on this one.

9. My kids will think I'm spying on them.

Facebook is for the younger generation. It was started on a college campus and was designed for students. I will look ridiculous on Facebook, and embarrass my teenagers. Robbie says: It may be hard for the teen set to believe that adults are finding tremendous value in using Facebook, but it's true. As of February 2009, about 45% of all Facebook users were over 25, with the fastest growing demographic women over 55. And, by the way, seeing what your kids are doing on Facebook is an important part of parenting in today's world.

10. It might send the wrong message about me and my level of seriousness.

Facebook is an activity for people who share too much about themselves and aren't hard workers. Robbie says: some of the most intense people I know are on Facebook, including most Venture Capitalists and Tech Company executives. These people often are part of the vanguard of new technologies-the first people to use laptops, iPhones and other indispensible modern conveniences. Facebook isn't popular with all professional communities yet-but it soon will be-at least among the professional communities where relationships give you a competitive advantage.

Facebook has been a great way to build more relationships with clients and colleagues. By using Facebook, I'm also current on careers of old friends and colleagues-in some case leading to great professional conversations and partnerships. If you have relationships with people already, wouldn't it be nice to have an easy way to know what they're doing professionally and what's on their mind?

Take a chance. Establish a profile and connect with 10 friends who are already on Facebook. See if it is for you. If you don't try, you'll never know!

About the Author
Robbie Kellman Baxter (rbaxter at peninsulastrategies dot com) is president of Peninsula Strategies, a consulting firm that helps technology companies analyze market opportunities and risks. She has worked with industry leaders like Netflix, Yahoo! and Oracle, as well as dozens of venture-backed startups. A popular speaker on market strategy, social networking and entrepreneurship, Robbie has been quoted in the New York Times, eCommerce Times and SF Examiner. Learn more at http://www.peninsulastrategies.com

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“You must be the change you wish to see in the world”- Mahatma Ghandi

This morning a dear friend, I’ll call Gail, called to tell me the results of a conversation she just had with a friend who is also a business colleague. They’ve known each other for years and used to do business together until a year ago when their relationship hit some bumps that didn’t get resolved.

Gail has a wonderfull attitude when it comes to working through problems. While many people look at conflicts as negative experiences to be avoided or have expectations of them becoming arguments that end poorly, Gail pursues conversations with an open and loving heart.

Whenever she experiences conflicts with others, her first step is to look within herself for answers. She’s been on a quest for spiritual enlightenment and personal growth for many years and has come to believe that the people who push our buttons serve us to grow in many ways. She consistently looks at how she shows up with people and takes 100% responsibility for who she is and what she does. She says, ” My friend is really working for me!” Looking at her expectations, beliefs, attitude, past hurts, and desires helps her to gain clarity about what we wants for herself. She’s then able to expand her viewpoint to a higher truth in creating a different reality.

Instead of reacting to her friend by taking things personally, Gail approached the conversation with compassion, empathy, and curiosity. Her intention was to hear what her friend was thinking and feeling without trying to fix anything, defend her point of view, or make anything happen to rebuild their friendship. Her desire was to show up authentically, take responsibility for herself, and invite whatever healing might be possible between them without any attachment to the outcome.

In their conversation, Gail was able to hear and sense the fears and concerns her friend was experiencing and respond with love and appreciation.

Three ways we get “hooked” into reacting to people and situations

1. We make assumptions. We unconsciously react believing we understand what is happening. Assumptions can become an automatic conditioned response based on past experiences and what we believe is true. Have you ever heard the word assume broken down? When you assume, you make an “ass of u & me”. Words, phrases, beliefs, and perspectives mean different things for each person. When you assume you know what the other person means, thinks and feels, you can only know what anything means for you, not them. Some people are afraid to ask questions because they worry about looking dumb or think they should know what the other person wants. Making assumptions that are off the mark can create a lot of stress and pain. Be open to realize you might not know something! Be willing to ask for clarity so that you can eliminate assumptions that might cause conflicts and misunderstandings. Communication is an important element in fostering trust and building deeper connections.

2. We take things personally. We can feel invalidated, disrespected, attacked, unheard…The truth is that most of the time, if not all of the time, the things we take personally have nothing to do with us. Our reactions stem from the beliefs and insecurities we have about ourselves, others, and the world. As a psychotherapist and coach, I have found that personalizing is one of the main ways people experience conflicts in relationships causing many misunderstandings and hurtful feelings.

And, when your self-care is off (your life is out of balance), the tendency to overreact, become irritable, defensive, and take things personally becomes much stronger and likely to occur. That’s usually a signal to me that I’m out of alignment and need to do some things to nurture myself!

Compassionate detachment is a skill that is mastered. It is the ability to step into the position of an observer to the experience, like watching a movie and being fully engaged with the story without becoming the story. Being able to come into conversations in a charge neutral space takes practice and personal growth.

3. The delivery of the information or experience feels uncomfortable, bad, offensive.. I have often heard people say they the main problem they have with another person is not what they said, it was how they said or did something. While you are not 100% responsible for how people interpret what you say and do and what they create for themselves, you are responsible for how you show up for people. Hey - that’s how you work for each other!

Dr. Lorraine Cohen, President of Powerfull Living, brings more than 25 years experience in personal and business coaching, psychological counseling, and sales to thousands of spiritually minded business owners, entrepreneurs, and leaders from a wide range of industries. Learn more about Lorraine’s services, success products and programs.

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If you’re starting a business right now, marketing can be one of the first efforts to take a hit. After all, why should you market products aggressively to customers who aren’t ready to spend?

Cutting back on marketing efforts right now is actually a pretty risky move- studies show that companies who increased or maintained marketing budgets during lean times are rewarded with more sales as the economy begins to pick back up. According to McGraw-Hill research, companies who increased or did not change marketing budgets during the ’81-’82 recession saw significantly higher sales growth within five years- over twice as much as those companies that chose to cut back.

So how do you design and implement an online interactive marketing strategy on a shoestring budget? What can you save on when contracting for services? Here’s a quick primer on choosing an online marketing company and forming the contract you want- at a price that’s within your budget.

Evaluate your requirements.
Do you already employ online marketing strategies such as email blasts, customer follow-up emails, or search optimization strategies? If you’re already working with an online marketing firm and are unhappy with the services you’re receiving, the price you’re paying, or both, figure out exactly what you need before you switch or begin to negotiate. Do you want to build relationships, increase brand visibility among certain customer groups, or stay in touch with existing clients? Evaluate your needs before choosing- or choosing to stay with- a company: List the services you want and how much you’re willing to pay.

Re-negotiate.
If your current online marketing firm is meeting your needs, you can still negotiate on price. Most of the time, this means contracting for additional services or a longer term- a better deal in the long run if you’re working with a reputable company. You may be able to get discounted services simply by asking, especially if your contract is about to expire. Trying to re-negotiate your existing contract- if you have one- is a step you should take before looking for a new provider.

Use smart bargaining tactics.
If you’ve narrowed down the field of providers to a few worthy contenders, try to negotiate with each to get the best deal for services. Most vendors are a bit more flexible and open to bargaining near the end of the month or the end of a sales quarter. You can ask for more services, an extended agreement, a payment plan, or any other compromise that reduces your out-of-pocket-cost. Up-front payments (retainers) are usually not negotiable- most vendors will require some monetary outlay before beginning work.

Get a written estimate or service quote.
These usually serve as previews for the final contract. It should be specific, but not too specific- it can be a good idea to split projects into phases if you’re using several different strategies. You should have access to all necessary information (graphics, advertising agreements, affiliate information) in the event that you ever decide to use a different company for later efforts. Make sure that you compare several different service quotes to get an idea of the “going rate” for services- this places you in a better position to negotiate.

Make sure you can track efforts.
Make sure you know how results are tracked. Will you be able to monitor key information (web traffic, conversions, etc.) yourself? Make sure you know how results of the marketing strategy will be measured.

Online marketing is one of the most effective methods of sales generation. Make sure you shop around for a company, compare price quotes, and ask for references. A good firm won’t ever “guarantee” a certain search engine result or output, but will be able to accurately track the results of their efforts. Spending on marketing is effectively investing in future sales- make sure you invest wisely.

Merrin Muxlow is a writer, yoga instructor, and law student based in San Diego, California. She writes extensively for Resource Nation, a company that provides resources for business owners, and is a frequent contributor to several sites and programs that offer tools for entrepreneurs, including Dell and BizEquity.

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For a variety reasons, including economic, social, and technological, starting a home business is more popular than ever with entrepreneurs in the USA. Along with the traditional flexibility and lower costs a home business can offer, the rise of the personal computer and the Internet in particular have made a running a successful small business from home more viable and profitable than ever.

In this article you will find a list of some the top reasons to consider starting a small home based business or franchise opportunity. This includes info about some of the advantages that a home business can offer an entrepreneur such as low overhead, tax deductions, a better lifestyle, and more.

Low Overhead: One of the greatest advantages of starting a home business is you have no expensive monthly rent or lease expense potentially saving you tens of thousands of dollars every year. Also with no commute to deal with everyday, you can also save money on gas and travel expenses. With these reduced expenses, operating a business from home can provide a less expensive and more profitable way to start and run a small business and should ultimately help increase your chances of success.

Enviable Lifestyle: A home business can give you the freedom and flexibility to enjoy your life more fully. This includes being able to spend more time with your loved ones, pursue other interests, and the ability to set your own schedule. Working form home also removes the hassle and anxiety of having to commute to an office or job site everyday.

Take Control: The ability to control your own destiny and eliminate the daily stress and hassles of dealing with a boss or co-workers can be a liberating experience for many fledgling entrepreneurs. Many people who start a home business also invariably report that their productively level has soared because of the flexibility working from home can offer. Not to mention the extra benefit of the elimination of the typical time wasting distractions commonly found at the average workplace.

Mobility: One of the most unique and attractive advantages a home business can offer an individual is the ability to live and work in the geographical area of their choice. As long as your business and services aren’t tied to a specific market that requires you’re personal and physical presence, you can live and work anywhere your heart desires. And if you decide to retire or start a new venture someday, established home based businesses are also fairly easy to sell for the very same reasons.

Tax Advantages: There are a number of legitimate tax deductions available to home based business owners that can potentially save you thousands of dollars a year on your tax bill. This provides the obvious benefit of being able to put more money in your pocket. Note: Always consult with an accountant or financial adviser for more details and advice about the tax advantages of starting a home business.

Personal Satisfaction: Starting and operating a business from home can be not only more profitable income wise, but it can also provide you with a sense of personal accomplishment and

About the Author:

Ray Haiber is a franchise sales consultant and the founder of AZfranchises.com, a franchises for sale resource and directory. You can research and view home based businesses for sale here.

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Article Contributed by Guy Kingston

The Amazon website is a master class in the dark arts of selling.

However, be warned, like the other Amazon, it is a dangerous place to be: those who go there thinking they are in control, and that they are there to observe and possibly exploit it, end up being trapped by it.

What follows is the confession of an Amazon-addict – but one sufficiently skilled in the dark arts himself to know what is being done to him, and to admire it, even as it is being done.
To begin with, Amazon provides a neat illustration of the difference between Marketing and Selling.

Marketing is everything that Amazon does to get you to visit their website – advertising, banners on other websites, links, direct e-mailing, and so on.

Selling is everything that Amazon does to get you to part with your money once you are there.
Amazon owes much of its success to its ability to lead a customer, who came with only a specific product in mind, on to other purchases. This is, of course, the equivalent of a shop display that tempts someone who came out with a definite shopping list to consider buying items he never imagined.

Having no shop window beyond a home page, Amazon makes the most of it by using affinity marketing.

In the case of a returning customer, this means Amazon try to customise his home page by plastering it with products that have been bought by other customers who have also bought things he has bought in the past.

Where nothing about a customer is known, Amazon try the scatter shot approach and fill the home page with the most popular items in general.

However, on the pages relating to specific products, Amazon zero in on the individual customer again, by references to other items in the form of “those who looked at/bought this item also looked at/bought X, Y, and Z” – with an easy one-click link to each.

Of course, one imagines that in about 99% of cases those links are ignored – but the other 1% is where Amazon makes its money.

This manipulation could be scary, but Amazon counters that by encouraging the customer to feel he is in control. The customer is invited to treat Amazon as a personal space, like a “social networking” site.

He can post a profile, rate and review products on-line, make lists, and join discussion groups. He is even made to feel part of a “community”.

The whole point is to give him the impression of a safe environment – so that he keeps coming back.

However, while it is a necessary first step for the customer to keep coming back to the website, it is not enough: the whole point is not for him to keep looking but to actually buy.

Here is the real genius of the Amazon system: they make it very, very easy to buy.
If buying each item involved filling out a form on-line, Amazon would never have survived. Amazon owes its survival and its success to the unsung Einstein of Selling who invented “One-Click ordering”.

It is so easy that it becomes addictive. It makes no difference to the sale of an item a customer really came to buy in the first place – he would have bought that anyway – but its effect is devastating when combined with affinity marketing: the customer who came to buy X decides he might was well buy Y and Z while he is there – because it takes only two more clicks of a mouse.

If any further encouragement were needed to get the customer to make those extra clicks, Amazon is the master of “artificial scarcity”: stating that only a limited number of items are left in stock can panic a customer into an immediate one-click decision to buy, rather than risk postponing until none are left.

Finally, if all this sounds frighteningly cynical, it must be said in Amazon’s favour that its after-sales service is usually – emphasis on “usually” – very good. However, this too is good salesmanship: Amazon’s strategy is not to sell to a customer once but to sell to him again and again until he becomes an income-producing asset over the years. Amazon is one of the minority of businesses who understand the great truth that keeping a customer is as important as attracting him in the first place, and that the art of selling is not selling once but selling for life.

About the Author:
Guy Kingston produces and presents the Mind Your Own Business podcast, offering free business advice to entrepreneurs and business owners. As well as audio podcasts there are more articles like this, compelling videos and a must-read blog. All at www.myobpod.com or you can network and join in discussions on the MYOB Facebook group.

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What do you need to start a successful business?

It’s a question almost all entrepreneurs have pondered. Do you need a business plan before you start, funding to fall back on, or a detailed strategy for how your company will grow? Nearly half of all small businesses fail within the first year of operation- what’s the difference between those that fail and those that succeed?

I recently had the opportunity to speak with Judi Sheppard Missett, founder of Jazzercise. Missett built Jazzercise from a one-woman operation into an international corporation with over 7500 franchises worldwide. Here’s what I learned from our conversation:

You don’t always need start-up capital. “I didn’t even get a business loan,” she told me- something virtually unheard of in many entrepreneurial circles. This should come as wonderful news for anyone trying to start a business on a lean budget or without the resources they think they need.

Evaluate your costs of doing business, and show smart for the resources you need to get started. For example, you can usually find a great website designer for a few thousand dollars if you shop around and compare quotes. Most of what you really need is accessible without a large nest of start-up money.

Provide what the customer finds valuable… Missett taught a jazz dance class in Chicago that eventually lead to the Jazzercise idea. At first, she instructed with an eye to technique and form –just like she had been taught while training to become a professional performer. When students stopped coming to class, she had that “lightbulb” moment- the students cared more about looking like professional dancers than dancing like them. From then on, Missett taught the kind of class her students wanted- fun, no mirrors, great music, and lots of movement.

Too many business owners come up with an idea and try to find a market. Missett proves that the other way around is usually more successful- listen to what customers want, and figure out a way to give it to them. Do research on customer patterns, find a way to track behavior by hiring an online marketing company or tracking marketing campaigns and sales strategically.

…And be willing to adapt and change to customer needs. Jazzercise has managed to grow in spite of the “fad” element most fitness trends seem to capitalize on, precisely because customers still get what they want- Jazzercise programs now incorporate strength moves, contemporary music, and other elements that customers began to want as the program became more popular.

Planning and development aren’t just for startups. If your customer base is growing or changing, you need to grow and change, too. Use email blasts to keep in touch with customers, and build relationships while your business is growing. Keep your offerings exciting and fun, but consistent with the product customers have grown to love.

Listen for opportunity knocking! As the saying goes, you should be ready to answer when opportunities come pounding on your door. When Missett began teaching in San Diego, many of her students were military spouses who moved to far away cities and wanted to continue the program.. Missett’s husband was familiar VHS video, then just a developing technology, so she videotaped routines for faraway teachers. This effort lead to the formation of what is now JM DigitalWorks, a video production company that is a division of Jazzercise.

Don’t wait to be in the right place at the right time- evaluate the resources you already have, and try to create opportunities for yourself . As Judi Sheppard Missett says, “We are all in the right place at the right time, we just need to be aware of it.”

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One way to gain recognition for your community and build visibility for your business is by earning business awards. Many are self-nominated and fairly easy to apply for. Here’s a quick guide to a few of the best business awards for 2009:

Businesses that have helped jump start our economy by maintaining growth over the past three years are eligible for the Inc. Magazine 500/5000 award. Winners are invited to attend the nationally recognized Inc. 500/5000 conference, and are featured in future magazine and online stories. This award is a great chance to gain visibility for your company and to represent your community- past winners have included social mission companies, tech startups, and beauty product lines- companies in all industries with over $2m in sales for 2008 are encouraged to apply.

For those still working on breaking the $1m mark, the Make Mine a Million $ Business contest, sponsored by Count Me In, is a great way to gain the support you need to meet this benchmark. The contest operates as a “race” to the $1m sales mark, and most participants see sales increase at least 40% over the duration of the competition. The M3 race is open to women owned businesses in one of 15 categories.

Businesses already on the fast track to earn $1m- those with $500,000 or more in sales for 2008, are eligible to enter the Entrepreneur Magazine Small Business Contest. Similar to the 500/5000 conferenceInc. contest, businesses are featured in a future magazine issue or online story. Entrants are also featured on the contest website- a great way to increase visibility for your business even if you aren’t chosen as a winner.

The Ernst and Young Entrepreneur of the Year award is given annually by international accounting and consulting firm Ernst and Young. Award recipients may attend special conferences and are invited into a network of past winners and prestigious entrepreneurs. The award is internationally recognized as a great achievement- check out the website and contest rules for more details.

If you don’t have the time for a lengthy application, or don’t have the sales revenue to qualify for one of the larger contests, consider Business.com’s “What Works for Business” contest. Applicants write a quick essay about a challenge they’ve overcome. Any small business owner that has overhauled their website design implemented a new online marketing strategy knows that the small things can sometimes be the toughest to take on- here’s your chance to let other entrepreneurs learn from your success. Prizes for the top essay are awarded monthly.

Finally, Ideablob.com allows you to test out business ideas for the chance to win a $10,000 award. Award money goes toward the costs of implementing the idea- if you need to purchase inventory, equipment (such as a credit card terminal) or business software to get your business off the ground, here’s a great place to get started. Awards are given monthly, and are determined by votes from members of the site’s online community.

Whether you’re a brand-new business or a seasoned business owner, there’s a contest out there for you. Most of the above have spring deadlines, so get going- apply for the award you deserve. Good luck!

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As a franchise sales consultant I am often asked what are the advantages of the master franchising business model and buying a master franchise. Master franchising, some times referred to as sub-franchising, is a form of franchising that allows an individual to buy the rights from a franchise company (The Franchiser) to sub-franchise their business concept in a specific territory or large geographical area. In general the individual or master franchisee’s goal is to sell and open a pre-determined amount of franchise units in his or her specific territory. The master franchisee benefits from populating his territory with new franchise locations by receiving a share of the franchise fees and royalty fees generated by each unit opening and operating in their designated territory.

The reason master franchising works is that it creates a “win win” scenario for both franchiser and the master franchisee. By allowing its concept to be sub-franchised and developed by qualified individuals broken down by territories, the franchiser can often grow its system much faster and more efficiently than trying to sell single units itself. The master franchisee in return can also benefit in numerous and significant ways from this arrangement including the following below.

Residual Income: The ability to develop a residual income stream is in my opinion the most attractive benefit and number 1 reason to buy a master franchise. Although all franchise agreements are slightly different, typically the master franchisee and franchise will split the royalty fees (typically 5 to 7%) generated by the units opened in the master franchisees territory. Imagine getting a nice fat royalty check every month based on the gross sales from all the franchise units in your territory you sold. This is a personal income stream that can potentially last a lifetime!

Franchise Fees: With most master franchising agreements when you sell a franchise unit in your territory you typically receive a franchise fee or commission from the franchiser for your efforts. These fees tend to range anywhere between $15,000 to $30,000 and generally most franchise agreements allow you to keep all or most of it!

Low Overhead: Because being a master franchisee at the end of the day is a “sales job”, there is no real need to rent or lease a retail office space. You can in most cases easily start out in a home based office and accrue all the benefits and flexibility that option offers including low overhead, no commute, generous tax deductions, more personal freedom, and a better lifestyle.

Few Employees: Most master franchisees typically start out as a 1 person owner operated business. Once the business reaches a certain critical mass regarding number of units sold or operating, you may in some cases find it advantageous to hire some support staff such as an administrative assistant or sales assistant to keep the business growing and running smoothly. In general however, most master franchisees don’t have a lot of employees and all the headaches and costs associated with having a large staff.

High Success Rate: As with all franchise businesses, master franchises generally enjoy a very high success rate. Keep in mind however that not all master franchising opportunities are alike. It’s important to make sure that you adequately investigate and research any franchise opportunity before moving forward. As part of your due diligence I would ask the franchiser if you could speak with an existing master franchisee in their system to get some feedback on their experiences.

About the Author:

Ray Haiber is a franchise sales consultant and the founder of AZfranchises.com, a franchises for sale directory. You can research and view research master franchises for sale in the USA here including fast food, automotive, senior care, and home based opportunities.

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Joy Andrews lost her position as a $100K+ executive about three months ago. Devastated, Joy took some time off to clear her head and get ready for her executive level job search campaign. But now, months later, she hasn’t had many interviews and prospects are bleak. Her question to me was, “What can I do to get myself to get more interviews and get hired faster?”

In this article, I am going to give you four critical steps you must take if you want to find that $100K+ job and get hired during a recession.

Step #1 – Get organized
I am constantly amazed how executives who were driven and forceful in their jobs become lost in how to start their $100K+ executive job search. Getting organized includes these elements:

1. Treat your job search as a full time job. Totally dedicate your time to finding a job. Inform your family that your full-time job is to find a full-time job and nothing else!

2. Act as if your job search was a product or service launch. Plan your executive level job search campaign. Don’t wing it. Organize your activities in a project plan and measure yourself against your milestones and sub-goals.

3. Start your day just like you would if you were employed. Did you start your day at 7:00am and end it at 6:00pm? Then do the same for your job search.

4. Create goals for every day and every event. Get a daily goal and meet it. Develop your networking goals for each event and stay until you achieve them.

Step #2 – Get help
For many, getting help is equivalent to going to the dentist. But getting help is the smartest thing to kick-start your executive level job search campaign. Getting help includes:

1. Ask for a review of your resume. There are many services available to review your resume for free. Better yet, pay an expert to write your resume.

2. Learn from the experts. There are many experts out there that write articles like this one. Many experts also have website tools that are available for free downloads. For example, I have a free eBook at: http://www.marketyourpotential.com/ebook.asp. Take advantage of these resources.

3. Get a career coach. For executives who earn more than $100K+, getting advice for your particular situation is a wise investment Make sure, however, that your coach teaches you how to fish, not just fishes for you.

4. Get a support group. When you launch a job search campaign when the headlines are awful, being upbeat and positive is extremely difficult. Get a small group of business associates and friends who can help you during this time.

Step #3 – Get real
Just a short while ago, executives could expect to find a new position in about 90 to 120 days. Now, realistically, it can take upwards of 8 to 10 months. Getting real includes:

1. Do what it takes to survive a 10-month search. Expecting your search to go faster and not preparing for the long haul is just nuts. Reduce your expenses to just what is necessary and cut back.

2. Invest in your career. Now is the time to invest in your career and not try to “do-it-yourself.” Investments include coaching, books, tools, events, memberships, and travel to targeted cities.

3. Develop quantitative benchmarks and metrics. Analyze your job search results and measure them against standards. When you do this, you’ll be able to improve along the way which guarantees results faster.

4. Design qualitative feedback loops. Behaviors are qualitative and you can “measure” reactions to your oral and written pitch. Their reaction is a qualitative feedback loop that you can automatically gauge.

Step #4 – Get Clear
Getting a message that is clear and succinct takes work. And trying to figure out what you want next is also hard. Getting clear includes:

1. Do extensive research on target companies and industries. The Internet has a wealth of information. My recommendation is to conduct research at least 1 hour per day – above and beyond job posting searches.

2. Test your messages within networking groups. Take someone out for coffee. Try out your verbal pitch, and get their feedback. I tell my clients that they should attend at least 2 different networking groups a week during their job search campaign.

3. Know what’s happening around you. Know what’s happening around the globe. Integrate current affairs into your oral and written pitch and show how you can address the issues of the day.

4. Stay focused and determined. Persistence is the key to finding a $100K+ executive level position during an economic downturn. Direction is the result and movement in your job search is guaranteed.

About the Author:

$100K+ Executive-Level Career Coach Karen Armon prepares leaders around the world for their next move. Her popular book, Market Your Potential, Not Your Past, is a hit among executives who want a clear-cut, systematic game plan that drives careers forward. Now get her new FREE eBook, “Ten Micro-Trends that Impact Executive Careers Today” and take a critical look at today’s marketplace at: http://www.marketyourpotential.com/ebook.asp

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