Saturday, September 27, 2025
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7 Greatly Underestimated Keys to Success in Life & Business

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These are not in any specific order of importance so keep that in mind. They are more of a comprehensive list of skills that when applied both individually and together they become very specific keys to unlocking amazing doors of opportunity and success. DO NOT UNDERESTIMATE THEM! Here are the 7 keys & advices to achieve success in life.

#1 Learn More About People Than You Do Your Product and You Will Be Unusually Successful.

Sounds pretty straight forward, but if you think about the fact that everything you do is sales, this will take on a whole new meaning.

If you are trying to get a friend to meet you for coffee… that is sales. If you are trying to get your kids to eat their veggies… that is sales. If you are trying to land a date… that is sales.

Now think about this… if someone is trying to get you to do something with them, why do you decide to do it? Especially when you’re eager to do it?…

Isn’t it ultimately because of what you will get out of it? Whether it is because you will enjoy your time with them… whether you will get a meal out of it… if it is just an excuse to get out of the house… if it is a chance to do something you’ve never done with somebody you like…

It doesn’t matter… YOU get something out of it and that is why you agreed to do it. YOU JUST GOT SOLD!

So… now that we understand this, we can use it as a VERY powerful tool. In the wrong hands and with the wrong intentions this can be very dangerous. With the right understanding and intentions, this is one of the most powerful tools you can use.

When you understand how people tick, you know how to get them to do something by giving them what they want… but you have to understand people. The moment we think that we know people, that is the moment we have shot ourselves in the foot! It is a constant learning process and we MUST keep that in mind!!!

It is NOT about manipulation.

It is about finding the problems and solving them to make money or getting success. We can’t understand the problems if we don’t understand the people. Our own problems are not always universal so to think and solve problems based on our own perspective makes us only able to convince ourselves of anything.

Here is the key to remember… If you are in management, you have to “sell” your associates and your team on what you want or need them to do. There are a hundred ways to do it, but only ONE that breeds success.

If your team is always feeling pounded and pushed they will never look to go the extra mile or catch the things that have been overlooked and take care of them. They are always going to be willing to go elsewhere in the hopes of “being treated like they are worth it.”

However, if your team feels valued and cared for… noticed and encouraged… then they will almost always be more than happy to reach a little farther than you have asked, just to prove to you that your belief in them is not unfounded. They will always go that little extra just for your approval. They will also be more willing to work as a TEAM to get everything done that needs to be done.

When people believe they HAVE value, they are more than willing to GIVE value.

It doesn’t matter if the value that you need back from them is performance as your team or employees or as clients and customers that you need to purchase a product or service.

The only way to make people feel like they have value is to know them and to notice the value. That cannot be done if they are not studied! If you do not understand how people tick, you cannot understand how to make them feel valued.

The more you know about people the more successful you will become simply because you will be helping them to solve real problems and they in turn will help you to solve your problems. It is a win/win situation!

Learn this skill and you will find yourself becoming unusually successful in everything you do. There is a crazy side effect to it as well… it becomes addictive. All of the sudden your realize that by helping people, you are helping yourself!!!

So go start to learn about people. You will have to learn to look through the lenses of new and different perspectives, put yourself in their shoes for just a moment. Recognize what their strengths are because of what they have been through. Log those things in your memory. Recognize what causes the behaviors. Ask people about who they are, what they do, and why they do it. Then shut up and LISTEN and take mental notes!!!!

It doesn’t matter if you are a stay at home mom, a corporate professional, a McDonalds hamburger flipper, or working from home… whatever you do… this skill alone will help you make great strides in any direction you choose! And cause others to rally around you and your dreams, vision and journey.

So there is the first on the list… Go have fun starting to explore, listen, and learn PEOPLE! We have a couple of great resources that will help you in this process if you care to have some extra training.

The first recommendation is to read How To Win Friends and Influence People by Dale Carnegie. It is one of the most accurate and widely used resources on this topic. Read it… then read it again!!!

#2 Personal Growth Produces Unusually Great Success

This one may or may not make a lot of sense and can very easily be one key that SEEMS to be taking you backward more than forward at times, but it is one of the most powerful tools available to anyone looking to advance their lives, their business, their career, their relationships and their dreams.

What is personal growth?

Personal growth is the constant study of any topic that can and will improve your skill set for anything you do in life. That is the simplest definition.

The idea is that we continue to learn things on a daily basis anyway, we might as well stay aware of what we are learning and direct it in a fashion that is going to benefit us the most.

Would you rather end the day with a better understanding of why your favorite list of TV shows is or isn’t up for awards or would you rather end the day with a better understanding on how to execute a marketing strategy that will move your work from home business to the next level and take you one step closer to living your dream lifestyle?

Society tries to sell us that we need “decompress” or “down time” when we are not working. Their idea of down time is movies, TV, video games, and other things that serve no purpose other than to dumb us out and brain wash us into an “I need” type of materialistic buying cycle. It’s all a money game and has nothing to do with your actual personal well-being.

The truth is that as humans we are designed to continue learning and growing and when we are consciously aware of what we are learning and direct that the way we want to go, our minds do amazing things. Before long we become very knowledgeable and creative individuals who are Extremely capable at WHATEVER we decide to do. In that area of study, success becomes more than possible… it becomes inevitable.

The vast majority of society does not pay much attention to what they are taking in as learning and knowledge much less choose to direct their learning path. So those few who DO decide to do so find themselves in a position of unusually great success.

There is one think to keep in mind with personal growth. It rarely looks in the moment like what it will become eventually. In other words… it can SEEM very discouraging at times.

When we begin to learn things we often find that the more we learn the less we know and with the wrong perspective that can put some people on the depression train. Remember… the more questions something causes you to ask, the more you are growing and the closer your success is getting.

So go LEARN! Find an area that you want to grow and start learning. Find an area in your life that you know is a weakness and start learning. Find an area that you want to become an expert and start learning.

It doesn’t matter if you work from home, have a traditional career or are looking for help with relationships or anything else. This one area of skill is something that millionaires the world over have used and continue to use to keep them moving forward and growing themselves as well as their bank accounts. Do NOT underestimate the power of this skill! And YES… learning very much IS a skill!!!

So GO! GO LEARN SOMETHING NEW!!! Go be the BEST that you can be!

#3 The Proof is In the Pudding

We’ve all heard it. We all know it. People can talk a good talk but until they walk the walk they are nothing more than hot air… the proof is in the pudding, right?

Well… there is something a little deeper in the pudding that is VERY relevant to success if we will pay close attention.

Here is the deal, in this day and age pudding… not metaphorical, but REAL pudding… is usually something we either get from a prepackaged cup or make nearly instantly by mixing up some mild and the pudding mix. For the sake of this example we are going to pretend that prepackaged pudding doesn’t even exist.

In “the olden days” pudding used to be something that was made from a list of ingredients measured out and prepared a certain way. Even now, “instant” pudding still requires measuring out ingredients and stirring it up and letting it sit. The point to all of it is that there is a list of instructions… or a RECIPE how to make it. If we follow the recipe, we get pudding. If we don’t… well we get something, but not pudding.

You might be wondering what in the heck does this have to do with working from home, a career, a family, relationships, success or the price of rice in China for that matter… right?

It’s simple. Success.

Success in ANYTHING has a specific recipe to be followed. If you talk to anyone who is successful in something they will be able to give you the ingredients that are important to their success, the “amount” to use, and how to mix it all up in order to get what you want. They know the Recipe.

It doesn’t matter if it is relationships, a career in the corporate world, living the work from home life or serving the needy, there is Always a Recipe for Success.

So the proof is in the pudding. If you want to know if someone is successful in an area, look at the pudding. Is it real pudding or is it something really strange looking (kind of like a science experiment) that they are just Calling Pudding… or is it really pudding?

We can look at the same thing in our own lives. Do we have pudding or something… well… not so much like pudding?

Here is the really cool part about pudding (success)… There are some REALLY AMAZING recipes out there. And they are just that… RECIPES!

Which means they are something that is proven to produce the desired outcome and they have specific ingredients and steps to be taken to get there.

So if we want to find success in something, all we have to do is find the recipe for the success we want and follow it. It really IS that simple!

It is actually a key that a lot of millionaires don’t speak a lot of, or will play down because in reality it is hard to find someone who is willing to simply follow the directions to get what they want. Far too many times we decide we want to do something, but we want to do it our way then we get frustrated when we don’t get the outcome that we wanted.
Success is truly as simple as following the directions.

When you have an opportunity in front of you to get a hold of a recipe for success, grab hold of it and then have the maturity to simply follow directions. It is not uncommon to have to figure out how to use the measuring cup and put everything together in the right order with the proper type of mixing to get the desired outcome… and it may be a little slow the first time through. But the second time is easier. The third time is even easier. The fourth time you might even have the amounts memorized. The fifth time you know exactly how to put it all together.

Eventually, you have it memorized and it is quick and easy to “Whip Up.” Isn’t that how you would like success to be? That easy?

Just follow the directions.

Every good chef first started by learning all of the basic recipes and having them become second nature before they began to experiment and create their own. That comes in time with success as well. But success must first start by following the recipe and learning it by heart.

So… as long as we have the maturity to put our own ideas aside until we first master the recipe, success is a Definite outcome. That is a wonderful relief to many of us who know what it is like to try and try and try and keep ending up with the science experiment. All we have to do is follow the instructions!!

It is so simple it is easily underestimated and overlooked, but it is a HUGE key to success in career, relationships, working from home, and even going to school.

So go find the recipes you want and follow the directions. Remember that the first time or two there are still learning curves and it takes practice to perfect it, but as long as you follow the recipe you WILL get what you set out to make!!!

#4 The Truth of Focus

How many times have we heard to maintain our focus in order to get where we want to go? How many times to athletes get told, taught, hounded and pounded with focus?

The truth is that Focus is a huge factor in success of any kind. Any actively growing millionaire will tell you that they maintain and protect their focus at all times.

There is a couple of aspects to focus that are not often spoken of yet are crucial to fully understand the power of focus.

The most important factor is to realize that what we focus on we get good at. If we focus on hitting the ball, we will hit it. If we focus on a skill, we get good at it. If we focus on success, we get good at it. If we focus on joy, we get good at being joyful.

There is a little bit of a catch with this… we have to also realize that we can have the same result if we focus on the negative things. If we focus on being sad, we will be more sad. If we focus on procrastination we will procrastinate more. If we focus on being frustrated, we will be more frustrated.

It doesn’t matter what it is that we focus on… we get good at it. It is always important to be aware of what the majority of our thoughts are. What we think of the most is what we are focusing on. That is what we will get!!!

That brings me to one of the most overlooked and subtle aspects of focus… Our thoughts. In order to be able to discover and keep track of our focus, we must be aware of our thoughts.

Our thoughts are not something we need to judge… as in… “this one is good and that one is bad.” They ARE, however something to take notice of and use as a tool to direct our lives.

In learning focus… start with taking a few days to simply keep inventory of your thoughts and thought patterns. That will help you to determine what your focus currently is and how to re-direct it to where you want it to be.

Always be cognizant of where your focus is to make sure that you are not accidentally sabotaging yourself and your efforts by focusing on the wrong things. Focus on the what you have accomplished that IS in the direction you want. Focus on the steps you ARE taking to achieve your dreams. Focus on what you need to learn to continue going in this direction.

Along with focus is the idea that what you feed will flourish and what you starve will die. That is perfect for this because if you focus on what you want to get good at and what you CAN do, then all of the other crap that used to hold you back because it used to be what you focused on will no longer have the food it needs to survive… and will die. The things you are focusing on will get stronger and bigger the more you focus on them.

Laser focus is definitely a skill and one that is completely master-able by anybody willing to practice it enough to master it! Mastering it includes being able to use it in any area that you need it. This is true for working from home, careers, relationships, health, joy, and anything else you can think of.

So get started today! Keep a journal for a few days if you need to. Take inventory of your thoughts and then determine your focus!

#5 Go Against The Flow

There is a profound concept called the 98 & 2% concept. It says that 98% of the people in any given situation will be unsuccessful and 2% will be successful. Before you go getting frustrated and give up… read the rest of this. You wouldn’t be reading it if you were destined to fail!!! OK?

Let’s look at something that most people can understand at least a little bit. Let’s look at the work from home life.

98% of the people that decide they want to live the work from home life will not succeed at it and 2% will. Why? There are a couple of factors at work but probably the biggest is perspective. The 2% crowd doesn’t think like everyone else. The 2% crowd has a different way of looking at things. They were not necessarily born with this perspective, but have learned it and refined it.

Here is an example of what we’re talking about. The general train of thought in modern society is to graduate from high school, go to college, get a good education and then get a good job that will hopefully keep you on the right path to success of some sort (or at least financially keep your head above water) for the rest of your life.

That is the 98% mentality. The 2% mentality doesn’t necessarily have a problem with going to school but believes much more that specialized training in the desired field that one wishes to be successful at is MUCH more valuable than a traditional college education.

The average person that follows the standard college course of life comes out of college with a degree in something that they most likely will never use or a field they may never have the chance to work in, and typically are strapped with student loans that are as large or larger than a home mortgage. Great way to “start your life”, right? Not so much!!!

They go on to find some sort of job… anything they can, usually… that will pay the bills and keep a little food in their belly until they can find and land a job in their chosen field even though they have little to no experience. Unfortunately many of them end up giving up on their “chosen field” and just going with some sort of job that they can hopefully work their way up from the bottom because it’s the experience that gets them where they need to go anyway.

The 2% mentality looks at all of this and realizes that because experience and actual usable skill is the important part, they figure out the best way to get the experience and skill without wasting time and money on education that probably isn’t necessary or usable. They have just bypassed, not only wasted time and money, but undue discouragement, frustration, and let down.

The 2% mentality looks at general spending habits of society and realizes that while the majority is spending their money as fast as they can get it on a lot of stuff that isn’t truly essential to staying alive rather than spending and investing… they realize that it is in the spending and investing that they will be able to be financially free when the majority will not. Once they are financially free… THEN they can spend a little extra cash on the new big TV, nicer car or bigger house.

Even with those endeavoring to live the work from home life, 98 and 2% are very real. 98% will try to act like they have what it takes and continue to live their lives just like the rest of the 98% of the world that will be dead or dead broke by the age of 65. Only 2% of those who work from home will do what it takes to make the personal changes in their life, character, habits, skill and perspective to achieve the levels of success that 2% achieve.

Success in ANYTHING is NOT discriminatory!!! Success IS available to anyone who is willing to do what it takes… even if that means going against the flow of the majority and doing things different!

We had a great friend and mentor tell us to look at what everyone else was doing and do the exact opposite. Guess what… SHE WAS RIGHT!!! That little phrase has kept us going in the right direction and learning a new level of awareness to what it takes to be successful. And we use it EVERY DAY to INCREASE the levels of our SUCCESS!!!

YOU CAN TOO!!!

#6 Just Because You Can Doesn’t Mean You Should

If you take any time at all to study people who are successful you will notice several things. One of the more prominent things is that they tend to be Brilliant in ways that often society will not call brilliant. Think about it… Einstein’s mother was told that he was stupid and would never make anything of himself. Michael Jordan was cut from the basketball team.

There is a list a mile long of people who “shouldn’t have made it” but not only made it, but made it bigger than most people even dream is possible.

So the first thing to consider is that it doesn’t necessarily take book smarts to be successful. It doesn’t necessarily take a high IQ to be successful. What it takes more than anything is the ability to dream big and CHOOSE to go after everything you dream is possible.

That being said… as you dream and discover all of the amazingness that you are capable of, you will also discover a lot of situations that you CAN take care of. You will find “opportunities” in front of you to stretch your muscles and use your skills. They will begin to become VERY abundant.

As you continue to study successful people you will begin to notice that they are VERY capable of doing SO MUCH… yet they aren’t always doing it.

Why?

Because successful people have learned that doing everything they Can do doesn’t necessarily get them to the outcome they want. They have learned that just because they Can do something doesn’t mean they should.

It is rather common for people to get so busy trying to prove all they can do that they take on everything they are “capable” of and end up neglecting the things they Should do to get them to where they want to go. All of the “Can Do’s” become distractions and rabbit trails leading away from their ultimate goal. Unfortunately many times they never find their way back to the path that leads to their dreams and the success they truly long for.

So here is the low down on this. You don’t have to “test right” in order to have what it takes to be successful. It doesn’t matter if you work from home, have a traditional career, or are creating your own way… you ALREADY have what you need to be successful at YOUR dreams! The key is learning the skills that help you get there and get there faster. Anybody can learn these skills.

So be very aware of what you decide to take on. Be protective and selective with your dreams and goals. Get involved only with things that will move you in the right direction, help you continue to grow your skills and help others while you’re at it.

Take a lesson from the successful people in the world. Choose wisely! Don’t get distracted and if you do get distracted for a moment… correct it and come back to the main goal.

Like we said… You already have the dreams you need to be successful… now it just takes skill. Remember, just because you can, doesn’t mean you should!!!

No, go figure out what you are and are not going to do. Are you going to be successful living the work from home life? Are you going to be successful in your traditional career? Are you going to be a successful freelancer? What is it? Pick it and stick with it!!!

#7 The Real 80/20 Rule

We’ve all heard of some kind of 80/20 rule. If you’ve been in business or sales for any length of time, you’ve heard it said that 80% of your cash flow comes from 20% of the work you do. Or that 20% of the work you do is the work that actually produces results… the other 80% does not.

Those are VERY true, but there is a spin to the 80/20 rule that most successful people live by and understand and use as the fuel to keep them seeing greater and greater success.

It is simply this… 20% of success is a matter of what you do, your skills, who you know, how you do what you do, and all of the “how to” and “what to” statements. 80% of all success comes down to simply doing them.

The key to understanding this is to realize that 80% of success is simply taking action. Then taking action again. And then taking action again.

Success has more to do with taking constant action than it does with anything else.

The skills required to be successful can be learned. The contacts needed to be successful in your chosen career, work from home lifestyle, or whatever can all be acquired. The tools you need to be successful can be acquired. There is one thing that cannot. It must be produced.

That one thing… again… is constant and consistent action.

A boat requires action to move. Either wind or motor. If you are the once responsible to make sure there is either wind or that the motor is running, then you can control the direction and destination of the boat… You are therefore successful in getting it to do what you want it to do.

Without action it cannot turn, move forward or do anything. It never gets anywhere.

Success is the same way. You are responsible for providing the wind and that wind is action… constant action. If you will make up your mind and resolve to provide constant action in the direction of your goals, you WILL see success.

The really successful people of this world know that and use it!!! It is not always in the amount of time that we want it to be, but it WILL happen and without it, success never manifests.

Success simply cannot exist without action.

It really is that simple. Only 20% of success in anything is about the logistics. 80% however, IS about action.

So do you want to be successful at your work from home career? Your traditional career? Your invention career? Your home based business? What about relationships… it applies to those too? And Parenting?

Think about and apply THIS 80/20 rule… and you WILL see success!

Pros & Cons of Working from Home

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Got kids you hate leaving with daycare? Work at a soul-crushing nine-to-five job? Ever thought of working from home? Millions do every day. According to Global Workplace Analytics, 50-percent of jobs are compatible with working at home at least part of the time and 20 to 25-percent work from home. For an established company, most of the time; that comes out to 3.7 million people working from home, not including freelancers and small businesses run from the home. Statistics show more and more will be working from home as companies look to revamp their workplaces. If you’re looking to work from home, now’s the time.

In this article, we discussed the in-depth details on working from home including the advantages and disadvantages, good and bad sides and how to be setting yourself up for success.

Upside and downside

Working from home can be great. Unless you need to go to a meeting, you could actually work all day in your jammies. Need to get some laundry done? Go do it. Working from home means you eat healthier because you’re eating from your pantry, not from a restaurant or local lunch place. Because your commute is as far as the distance between your kitchen and your home office, the only traffic you have to navigate is the kids getting ready for school or the furry family members wanting attention.

You actually save money by working from home. Your insurance rates go down because you’re not driving to and from work on a daily basis. Your wardrobe only needs to include a few things appropriate for business meetings or trips out of town; sweats and a T-shirt work well, along with your comfy slippers. You’re not eating out as often, so your food bill will be less; even though you’re eating at home, you will spend much less by not going out to eat.

Comfort-wise, you get to choose where you work, when working from home. No more cubicles and noise from the person sitting next to you. It can be as quiet or as noisy as you like, depending on how you work. We spoke with some freelancers working from home; one is most productive when the television is on, sound off, so she knows what time it is, another has a special playlist for work that keeps her on target and another needs absolute quiet. Furnishing your office can be a delight, as you choose your chair, your desk, the light and the colors.

Working from home sounds fantastic, doesn’t it? It is, but it’s not without its drawbacks. Jenny, a medical transcriptionist working from home, says, “I have to set a timer for breaks. I get in the zone and before I know it, I’ve been sitting at my computer for several hours, so I set the timer for 30 minutes of work, five minutes of break. I also set a timer for lunch, to make sure I actually eat lunch.” When you work at home, it’s easy to lose track of time, because no one is standing up, leaving for lunch or getting ready to leave at the end of the day.

What about interruptions? Those working from home get used to tons of interruptions, unless they set concrete guidelines. Friends and family pop by without calling first because they know you’re home. Spouses have a tendency to use the, “Honey, I know you’re working, but …” line at least twice during the time you’re working. Kids run into your office wanting a mediator or a glass of water.

There’s also a perception, especially among older ones, that working from home isn’t really “working.” A freelance writer told us of one friend who stopped by to say, “I’m really going to miss coming over to talk when you get a real job;” at the time, the writer was in the middle of three big client projects, working a zillion hours. One medical coder lost her house because her grandfather, who owned the house, wanted her to go get a “real job,” even though she was working 12 hours a day and making good money, was never late on rent and took good care of the house.

Getting distracted by family and friends is a drop in the bucket when compared to internal distractions. It’s easy to grab another cup of coffee in the kitchen, notice dirty dishes in the sink and, before you know it, you’re cleaning the kitchen. Or you go to the bathroom and walk past a pile of laundry and, suddenly, it’s 30 minutes later because you’ve started doing laundry and picking up the kids’ rooms.

Perhaps the biggest downside to working from home is you. To work from home successfully, you need to be disciplined and organized. You need to set work times and then walk away when that time is done. There needs to be a clear boundary between work and home. The draw of working at all hours of the day and night just to get the job done can lead to being less effective, at the least, and burnout, at the most. If you’re not disciplined, you won’t get the same amount of work done at home as you would have in the office, you’ll miss meetings and give into the temptation to sluff off work because there is fun to be had.

Isolation is a big “you” factor as well. If you’re used to working in an office, it might seem great to work from home for a while, with all the office-type distractions gone. But after a while, you find you’re talking to yourself just to hear conversation. It’s easy to get withdrawn from human society when you work from home and actually turn down opportunities to go out; after all, you’ve built your own cocoon at home, so why go out?

While you think you’d love to work from home, remember – it’s still work. You still need to have the same dedication you’d have if you were in an office. You still need to perform and stay focused. And you still need to set boundaries.

The good, the bad and the ugly

Now, we’re going to look at work-at-home scams and how to tell the difference between real opportunities and those that will just take your time and money, leaving you with nothing.

Working from home can be the perfect answer to those caring for others, such as children or older ones, as well as for those who want more freedom about how they spend their days. Finding work that allows you to work from home can be frustrating, though. Doing a Google search of job opportunities that allow homework results in a long list of opportunities, some good, some bad and some just downright ugly. So how do you find work you can do at home?

The Good

Many companies are offering a remote option, letting you work for them part of the time from home; the drawback is that you have to have worked in the office for a period of time before they let you work remotely. The best jobs for working at home are the jobs you build yourself. Having a little entrepreneurial spirit will go a long way toward creating your own work. Some ideas lend themselves well to working from home, such as:

  • Virtual assistant
  • Personal assistant
  • Data Entry
  • Bookkeeping

As always, you can turn almost anything you’re a good business leader. One woman loved baking cookies using her grandmother’s recipe. She started making big batches every day and selling them to parents waiting for the school bus. She met several parents who introduced her cookies to their companies, where she was able to sell even more. Ultimately, she turned her grandma’s cookie recipe into a cookie delivery business.

The Bad

There were several good opportunities to work at home that have now become bad ideas. Medical transcription, for instance, used to allow you to make as much as $25 an hour even 10 years ago; however, with the advent of electronic medical records, medical transcriptionists working at some of the bigger companies are making as little as minimum wage.

Years ago, companies sprung up everywhere that would answer phones for small businesses and individuals so callers wouldn’t get voice mail; these companies would hire people who worked at home to help. Now, technology has almost done away with those companies as voice mail has now become the norm rather than the exception.

Insurance companies will sometimes hire agents who work out of their homes, but you have to be really careful; some companies will pay you 100-percent of a years’ commission on a policy, only to ask for a portion of it back if the client cancels the policy before the year is up. Commission-based companies can be good if you’re used to selling, but if you need training, you could end up losing your shirt.

The Ugly

The ugly work-at-home schemes haven’t changed much in the last 10 years; there are just more of them. Here’s how to tell if they’re really ugly and not just bad:

  • You’ll never earn a lot of money starting out if you don’t work for it, be it sales or any other type of business. If they say you can earn money for doing little or no work, it’s a scam. The only person making money will be the person who sells you a “starter kit.” To earn a living, work is involved, so if it sounds too good to be true, it is – walk away.
  • Getting paid to stuff envelopes is not only ugly, it’s just dumb. In many cases, you’re stuffing envelopes with flyers to get others to make money stuffing envelopes. You’ll end up working like a dog and get almost nothing in return.
  • Companies are not standing in line to get you to assemble products for them; they’re going overseas instead. These work-at-home schemes consist of someone sending you a bunch of parts for you to assemble, but they have to be up to company standards, which you will never meet, so you don’t get paid. Time + effort = nada.

How to find good opportunities.

If you love doing it, you can find a way to make money at it, so creating your own opportunities is best. That being said, if you’re not able to build your own business and want to work at home for someone else, make sure to look for legitimate companies, those with established reputations and track records. Make sure you know up front what’s required of you. Get personal recommendations from someone you know who works at home. Do your research; read both good and bad reviews to get a clear picture of who you’re thinking of working for. Most of all, remember – when it comes to working from home, no one is going to pay you to do nothing; you’ll still need to work and work hard.

Setting yourself up for success

Finally, we’ll will look at how others who work at home avoid distractions, keep on track and build their lives around their jobs.

Technology has gotten so advanced that, if you go to someone’s door now, you’re more than likely to find someone working from home. The number of people working from home, either for their regular employer, who lets them work remotely, as contractors or as freelancers/entrepreneurs. Most companies had their start from someone’s basement, garage or home office; it’s just taken us decades to get back to it as a real way of working effectively. Working from home successfully, though, means you need to set up your workspace and your days the right way; yes, there is a right way and a wrong way to work from home.

Start with where you’re working. If you work from home every day, make sure your workspace is set apart from the rest of the house. It’s ok to bring your laptop into the dining room or living room from time to time, but your main work area needs to be separate. When you work regularly in the family areas, your family and friends will expect you’re available for conversation, help and mediating. When your work area is not set aside, you also run the risk of feeling like you can never get away from work because it’s in the middle of the rest of your life. Having your office in its own room, with a door, lets you close the door when you’re working and when you’re done for the day, keeping work and life separate.

How can you work from home when you live in a very small space, such as a one-bedroom apartment or a dorm-sized room? Set aside a corner in your bedroom, living room or kitchen that’s just for work. Keep all your work-related materials and supplies in that one area and don’t let them leak into the rest of your home. Walking away may be difficult, but being disciplined will help with that.

Interruptions, when working from home, can run rampant. “There is no way I could work from home without still putting my kids in daycare,” says Blair, a freelancer in Austin, Texas. Many freelancers have a sign on their door or on their desk with times when children, spouses and others can interrupt you. One dad, who works from home in the afternoons, has a sign on his desk that says, “Dad Is In;” he puts the sign up when he’s working on something that can be done later or when he’s not on a deadline. “My kids have gotten to the point where they know when they can come to me and when they can’t. My daughter will stand outside my office waiting for the sign to go up, especially if she has a complaint against the other children.”

Keeping yourself on track can be a challenge when working from home. Gregg, from San Francisco, says, “My goal is to get high-priority items off my desk by lunchtime, if possible. This leaves afternoon for long-term projects, meetings.” Keep a written calendar on your desk and schedule times for coffee breaks, lunch, putting laundry in, etc. For morning people, getting a running start first thing in the morning means household tasks can be done in the afternoon, when energy wanes. For those who need a little more time to get going and are most effective in the afternoons/evenings, the mornings are perfect for those chores.

It’s easy to get comfortable in your home office, to the point where you’re not going out enough and seeing others. Kelly, a medical transcriptionist from St. Petersburgh, Florida, sets a timer on her phone for 45 minutes; at the end of that time, she gets up from her desk, gets some coffee and, at the very least, walks outside the front door, closing it behind her. “Going out of the house for 10 minutes at a time, with the door closed behind me, energizes me more than I thought it would.”

Greg schedules several working lunches throughout the month to get some work-time human contact. “I book working lunches 2 or 3 times a month to have meaningful human interaction. I also have a running lunch date with my wife once a week, and occasionally work at coffee shop or bar.”

Have you heard of coworking spaces? Think executive suites combined with your local coffee shop. Coworking is a new trend, with spaces and meetups setting up around the country almost daily. Typical coworking spaces offer desk space, printer use, dedicated quiet spaces set aside from the regular areas, meeting rooms for rent as needed, high-speed WiFi and as much coffee and snacks as you can handle, all for a small fee per month. Most coworking spaces also offer drop-in rates. There are also free coworking meetups on scheduled days throughout the week, where those who work at home gather to have some lunch, talk and get help with whatever issues you might be having with your work. Working in the more public areas of a coworking space brings conversation while working, like being at an office without the office. One coworking space is set up with tables and booths purchased from a restaurant, each equipped with USB plugs and power outlets. In the back are communal tables and chairs and stand-up desks.

How does Instagram Influencer Marketing Works? How To Find & Approach Them?

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Whether it be identified as a “public relations” or “influencer marketing” campaign, what’s required is still the same—meaningful connections. Unfortunately, while a great idea for any brand looking to push a specific product or service, the strategy isn’t the easiest to implement. More than anything, making matters most difficult, the same connections you hope to initiate, develop and tap for future lead generation projects are the same that each of your competitors secretly covet. There’s a great deal of noise. Cutting through it can be difficult.

With that in mind, however, all is not lost. Fortunately, thanks to the modern-day advent of social media, there’s an outlet that can be tapped for this exact kind of PR work—Instagram. With upwards of 800 million active monthly users on the image- and video-sharing network, there are thousands of industry-specific audiences for your brand to access.

When first getting started, though, it’s likely that you’re company’s reputation isn’t as high-profile as those of your niche’s most prominent industry influencers. So, instead of giving up and looking elsewhere for digital PR and influencer marketing savvy, connect with the biggest and brightest that your area of excellence has to offer on Instagram. In the process, not only will you tap into the power of your chosen influencer’s audience, but you’ll grow your own following, as well. In need of some help? Luckily, the following four steps will have you seeing success in no time at all:

1) How to find Instagram Influencers?

First and foremost, it’s important that you reach out to the right influencers. If a successful working relationship is accomplished, there will be a great deal of back-and-forth between you and your influencer, so doing this correctly right from the get-go is of the utmost importance. To start the process, simply navigate to the Explore tab on Instagram and begin running keyword searches that most closely match the type of influencer your company is looking to work with.

Next, create a list of anywhere between 10 and 15 influencer Instagram accounts that seem to closely align with what you’re looking for. From said list, toss out the accounts that have fewer than 100,000 followers. Remember, the more robust your influencer’s follower total, the more likely yours is to grow, too. That said, you’re not only looking at follower totals, you’re also searching for top-notch post engagement—likes, comments, etc. Needless to say, the more user engagement you see, the closer you’re getting to an ideal target.

2) How to Approach & Contact Influencers?

Once you’ve whittled down your list to a more manageable size, it’s time to get started with the heavier PR side of the process—reaching out for meaningful collaboration. How is this to be done, exactly? Usually, when an Instagram account is open to working with brands like yours for advertorial purposes, the owner will post his or her email address on an account’s Instagram profile page.

When crafting your initial pitch, explain as simply and succinctly as possible that you’re looking to work with a reputable Instagram account to promote a product or service, and that you’d like to team up for a promotional campaign. If a positive response is given, you’ll soon be talking about rates, seeing as how anything of this nature is rarely free of charge. In large part, prices will depend on the number of followers an account has, its level of engagement and whether or not it’s a personal or corporate account. Needless to say, keeping in mind that many Instagram accounts earn over $10,000 a month in promotional work, be prepared to negotiate for a fair price.

If you run a smaller business or are low on cash, all is not lost. With no money on the table, the process is substantially lengthier, but you and your social media marketing team can still produce some great PR-driven results. The key is simple—account engagement.

Advises Kickstagram, an industry leader in Instagram marketing, “When you engage in authentic, meaningful ways, influencers are much more likely to notice you and respond. And when they notice you in a positive way, you greatly improve your chances of having them follow your account and engage with your posts, thus drawing their followers to you and your booming account.”

3) Creating a brand-specific landing page

Having finalized the details of your work with a few Instagram influencers, it’s time to create a campaign landing page. A landing page is a simple Web page that’s sole intent is to get people to enter a sales funnel by registering for a free opt-in of some kind. Whether it be a report, e-book, white paper, case study, template, formula, checklist or video series, now that you have a list of email addresses, your opt-in will carry clout with the very people you will sell additional products and services to in the not-so-distant future.

Contrary to popular belief, the purpose of a landing page isn’t to sell products, but to build an email list, provide incredible value for next to nothing and generate new leads for your brand. Yes, this can be accomplished through your own social media marketing endeavors, but when linked to an Instagram influencer, results are greatly quickened.

4) Initiate your content & influencer marketing campaign

Planning is great, but eventually the day will come when it’s time for your campaign to finally launch. With the reputation of your brand on the line, it will primarily be your responsibility to provide your influencer or group of influencers with any promotional materials you’ve created. While there’s certainly plenty of room for creativity, these will often include the following:

  • Creative direction – If a post’s design is left up to the influencer, you might want to provide a rough outline of how you’d like your product to appear in both the featured image and post description.
  • Landing page link – This is key—in addition to providing the link, edit it with a link tracker so you can accurately follow the clicks your landing page link receives. That way, for any future campaigns, you’ll know what works and what doesn’t, adjusting your approach to Instagram PR and marketing as effectively as you know how.
  • Action-oriented copy – Depending upon the number of posts an influencer has promised you, provide the creative copy, instructing viewers to visit the landing page link your Instagram celebrity will have shortened and temporarily placed in his or her bio.
  • Product/Service image or video demonstration – These days, Instagram isn’t only about images; it’s also a great platform for sharing short videos. Because of this, provide plenty of product- or service-specific materials for your influencer.

Parting thoughts

You might be new to Instagram, but that doesn’t mean you need to take weeks, months or years to build an account before generating any new leads from the innovative platform. There’s something to be said for patience, but more to be said of real, measurable results in a timely manner. Intrigued? Take to Instagram to practice a bit of PR savvy through the channel’s incredible number of influencers. Simply put, as far as social media is concerned, there are few things better for your brand’s image.

How To Find Right Credit Cards, Apply and Manage These Cards?

Various types of credit cards are available in the market. They have evolved from their early days into flexible financial tools for most types of spenders and savers. But with so many types of credit cards on offer it can be somewhat overwhelming. Few examples are Airline credit card, Balance transfer credit card, cash rebate credit cards etc.

  • How to choose the Right Credit Card?

There are literally tens of hundreds of credit cards on offer in the USA, and the list is growing daily. So, which is the best on offer? It very much depends on how each person plans to use their card. The answer lies in asking one simple question; “What do I want to use a credit card for?”

  • How to Apply For Credit Cards Online?

This option is simple and most convenient. More and more people are applying for credit cards online. Along with online auctions, and shopping, signing up for credit cards, loans and insurance has been one of the fastest growing commercial activities on the net.

  • How to decide which credit card is suitable for me?

First decide what YOU are looking for then search the web. There are some bigname credit cards that might charge the earth for you to have the privilege of carrying their name in your wallet. Most of them are not worth the extra fees. But what makes a card worth its salt? And what steps should you take in choosing the right card?

  • Rate Tart, Are You One?

Rate tarts are the smart shoppers of the credit card world. They play the system to avoid paying interest on purchases, borrow money for free, and even make money on that borrowed money! The idea is simple. DO NOT leave any balance in your credit card and pay in FULL before the next billing cycle.

  • Quick Balance Transfer?

Balance transfers allow cardholders to transfer the money they owe to their existing credit card to another, usually at a special rate of interest. The new credit card company pays off the old credit card debt and transfers it to the new card.

  • 0% Balance Transfers What’s The Buzz?

Balance transfers can be a good way of managing large sums of debt. The idea is simple. You have a large debt, loan, store card balance or credit card balance

  • Cash Back Credit Card

It seems almost too good to be true; a credit card company giving back money to the user just for spending it in the first place! However, as with all good deals, there are terms and conditions.

  • The Value Of Having Branded USA Credit Card Loyalty Programs

Anyone who has taken even the briefest of looks at the USA credit card industry will immediately notice that there are well over a thousand credit card providers. However, even in this hugely competitive industry, there are still only two main types of card available – the Visa card and the MasterCard.

  • Secured or PrePaid Credit Cards

So you need a credit card for emergencies, peace of mind, or for your teenage child but aren’t willing to go into debt for it? The answer might just be a secured or prepaid credit card.

  • Airmile Credit Cards

These days most major USA credit card providers offer a vast array of reward programs to try and entice potential new customers to apply for a card. Since the inception of reward packages, one of the most popular packages that applicants go for is airmile credit cards.

  • Business Credit Cards

If you are either the owner or Chief Financial Officer (CFO) of a business and do not have business credit cards, then the following 10 reasons might make you want to rethink your business credit card strategy.

  • How To Manage Your Store Card

Many major outlets offer store cards. These provide an easy way for consumers to defer payment for purchases. Store cards are promoted over public address systems in shops and by shop assistants at checkouts. So it’s no surprise that there are millions of store cards accounts in the USA.

  • Identity Theft

Identity theft is a major issue in the USA, and with good reason. It has been estimated that it can take up to sixty hours of work to recover a stolen identity, and in the worst cases, cost up to thousands of dollars to put right. But what can be dome to prevent this?

  • Payment Protection Cover For Your Credit Card Is It Worth The Cost?

Payment protection cover states quite clearly what it is but what are the ins and outs of the policy and its worth considering taking out payment protection cover on your credit card.

  • Credit Card Charges

Credit cards appear to have only one cost to a user – the interest charged on purchases, but there are a whole raft of hidden charges just lurking below the surface. So, some cards offer an annual payment option in return for certain benefits. What is the best option, and in what circumstance

  • Smashing The Credit Rating Myths

It used to be said that there were two certainties in life – death and taxes. Today you can add a third – credit. Today, it is almost certain that at some point during your life you are going to need to apply for credit. This credit may be either be in the form of a credit card, charge card, hire purchase, personal loan, home loan, etc.

  • Credit Building Tactics

Much is written about credit ratings, the score against an individual’s name, that rates their eligibility for credit.

  • Credit Reports

Every time a customer applies for a financial product such as a credit card, the credit company will consult that customer’s credit file. This file records all their financial activity in terms of credit applications and banking activity.

  • Credit Card Options For People With Bad Credit

There are many items that you can only pay for with a credit card. If you want to book a holiday on the Internet, a credit card is a secure way to pay. And if you want to hire a car when you get to your destination or booking a hotel room, a credit card is your only option.

  • Do You Need To Have More Than One Credit Card?

Deciding whether or not to have more than 1 USA credit card can be a difficult decision to make. On the one hand, you want to keep a careful control on your personal finances and having numerous creditors makes this difficult. On the other hand, it can be convenient to have more than one credit card, for example in an emergency. So, you should have more than 1 credit card.

  • Credit Card Disadvantages

Credit cards are everywhere; figures show that the average card user has over 4 credit cards in their wallet, and there are more cards always in circulation!

  • Common Credit Card Mistakes

With credit cards now outnumbering people in the USA you would be right to assume that not everyone in this country uses their credit cards either correctly or wisely. But what are the most common mistakes that credit card holders make when using their credit cards?

  • Are PreApproved USA Credit Cards A Scam?

Appropriately know as junk mail, every now and then you may find a nice glossy letter on your doormat informing you that you have just been ‘preapproved’ a USA credit card. With your pulse racing, you start to believe then hype of what a wonderful customer you are and how much your custom is valued. Hold on tiger – you may well be falling for one of the biggest credit card scams going!

  • Visa or Mastercard?

The two main credit card types have battled it out since the mid 1960s, but the credit card revolution was started in earnest by American Express, in 1958. Soon, their card was the choice to pay at hotels, airlines and restaurants.

17 Small Business Ideas to Make More Money & 11 Ways to Get Funding

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Almost everyone comes up with the idea of setting up their own business, at one or the other time in their lives. Every person is unique and thus it is natural that you are going to come up with the idea that is different from others. The success of your startup depends on how diligently you work to turn the plan into reality and the choice of the marketplace. However, you will also need startup funding to set up your business and put it on the right path.

Best Small Business Startup Ideas

Here are some of the best small business startup ideas that you can consider the different funding options.

Personal Trainer

There are many people who are excellent at motivating others because they have great oratory skills. You can combine your motivating skills with your passion or knowledge in a specific field to become a personal trainer. For example, if you have knowledge or experience in the field of fitness, you can provide personal training in the niche helping people achieve their fitness goals. Acquiring certifications can add credibility to your small business concept.

Life Coach

Life experiences can be the best inspiration that can be transformed into successful entrepreneurial concepts. There may be a lot that others can benefit from your life lessons. And when combined with the knack to help others reach their full potential and get the most out of their life, your life experiences can help you become a good life coach. Thus, a small business startup idea around life coaching may just be the perfect option for you if all the above-mentioned boxes tick right.

Fix Things

Does your current job involve fixing things – electrical, mechanical, plumbing or in other ways? If you are good at fixing something, you can consider starting your own small business working for your own clients. Depending on which field you specialize in, you can provide your services as a plumber, handyperson, or electrician. And getting a vocational certification shouldn’t be a challenge if you already have some experience in the field. Handymen are always in demand and any fluctuations in the economy shouldn’t affect your small business.

Bookkeeper

If you are good at number crunching and have some experience in bookkeeping, you can work as a freelancing bookkeeper. Companies, big or small, are always going to need accountants. And depending on the size of operations and the size and type of clients you cater to, you may also consider getting certified. Easy-to-use and free online tools further simplify your business model. The range of services you can offer include:

  • Generating income statements
  • Create balance sheets
  • Creating annual and monthly financial reports

Social Media Consultant

The internet revolution has reached almost all industries. More business owners and managers understand the importance of being actively present on social media than ever before. This means there is an ever increasing demand for social media consultants. If you know how to use Facebook, Instagram, Twitter, and LinkedIn, and are good at content creation, you can start a small business as a social media consultant.

You may even find free and recognized professional certifications from Google and different social media sites. And it is not just essential that you will have to stick with your local marketplace. You can cater to the promotional needs of global clients too.

Website Designer & Developer

Today, more and more businesses realize the importance of having a website. Even when designing a website is simpler than ever, most business owners and managers prefer to get the help of a professional service instead of creating it themselves. With template-based web designing making this simpler, you don’t have to be a coder to set up your web designing service.

In fact, you can start designing websites after some practice. Learn how to create galleries, product pages, shopping carts, blogs, forms, and service pages.

App Development

Different types of organizations require different types of apps for promotion, selling, providing customer service, and for other purposes. If you have any experience in app development, you can start an app development service. Start by working on simple and small projects and work on more complex and larger apps as you gain more experience and exposure.

Graphics Designing

Graphic designing services are required regularly for different needs such as designing logos, branding purposes, designing print materials like fliers, and designing ads. If you can learn how to use Photoshop, Illustrator, Corel Draw, and other popular programs, you can start providing your designing services to local clients. The internet makes it easier for you to find online clients and take your services to the global marketplace. You can also design magazines, newsletters, and various types of formats based on your client needs.

Translation Services

If you are proficient in two or more languages, you can also consider starting your translation services. It is easy to start and you don’t need lots of funding to start with. Many clients need regular translation services, which means that you can build long-term business relationships as a translator.

Interior Designing

If you are good at organizing the living space, paint, and different décor elements, you can consider starting an interior designing service. Businesses and homeowners always need interior designers to turn their ideas into reality or to get professional help in coming up with design ideas.

You can also take your passion further and get a certification in interior designing. It is not essential to have a certification, but it will certainly help improve your understanding. You will be designing space based on who is going to use it, whether it needs to be pet-friendly, and what is the purpose of the space.

Personal Driver or Provide Taxi Services

You can work as a personal driver to women and businesspeople who prefer being driven to work, appointments, and meetings. You can promote your services online or even in local classifieds. If you have a car and a clean driving record, you may also join a branded taxi service company. At the most, these companies require a background check. Some of the main advantages of providing taxi services are that you can work as per your schedule and you can come across new people. You will also not have to report to any boss.

Photography

If you have the knack for identifying special moments that should be captured forever, you can also consider starting your photography business. You can be a general photographer or someone who specializes in a particular area. It is best to choose an area based on what interests you more. This can include wedding photography, family photography, and pet photography among others.

The latest DSLR cameras and equipment are powerful enough to be used for professional photography. So you can start your own business without the need to have a big investment. If you have the skills, you may also provide videography services.

Gardening Services

Gardening services are not limited to any specific time of the year. It is the perfect business idea for those who have a hobby in gardening. The range of services you can provide depend on what interests you. This can include:

  • Gardening
  • Lawn-mowing
  • Raking
  • Herb farming

You may also provide snow removal services to your clients. If you love to raise flowers and plants in your own garden, you have very high chances of making it big in this profession.

Catering Services

Are you good at cooking a wide range of dishes? Can you prepare food in different cuisines? You can consider opening a catering company that handles orders of different sizes. Since this business involves food, you will be required to apply for certain licenses. However, you can consider starting small by working from your home and gradually expand your operations when your revenues increase. Both residential and commercial clients are always in need of catering services for small and large events.

You may also put your cooking skills to use by working as a personal chef. Many high-net-worth individuals and families prefer having a personal chef who can prepare their meals. You can provide services to different clients to generate high revenues.

Massage Therapist

Not only there is the unprecedented increase in demand for massage therapists but it is also a business idea that is easy to start with. Learning massage therapy and certification is relatively simpler compared to other professions. You can start your own massage therapy center and gradually hire more people as your business grows. As the market continues to expand, a good marketing strategy can help you drive lots of leads.

Travel Planner

If you think that it is easier than ever for people to plan their holidays and business trips because of the internet revolution, you are wrong. It may seem simple that people can book their holidays online with just a few clicks. But with so many factors to compare, including different flights, hotel amenities and rates, car rentals, and activities that things can be overwhelming for travelers.

If you have good organizational skills and can find special rates for your clients, you can open your travel planning business. Most people don’t have the time to do all the research to find the best bargains and evaluate all the different factors. A travel planner who can help create complete packages including local activities can be the perfect service that people are looking for. You may start from your home or set up a small office. And you are not going to need a huge budget.

Event Planning

You can start an event planning business based on the field you are interested in and expand into others later. Whether it is a wedding, corporate events, or any other kind of event where you want to specialize in, it is best to start by creating a business plan. Some of the different steps involved include:

  • Define event planning services
  • Get insurance
  • Create a network of suppliers
  • Determine how you will charge your clients
  • Secure funding

Just like event planning, most of the above-mentioned business ideas are going to need funding. Whether you want to start small or big, you are going to need funding.

Small Business Funding Options

There are different ways in which you can fund your small business. The options open to you depend on various factors. It can include personal savings, loans, line of credit, or seed capital.

Personal Savings

Most small business ideas are fueled by personal savings. If you have the required savings and if you don’t qualify for conventional bank financing, you can fund and start your business with your own money. When you use your own money, it puts you in a different perspective from using anyone else’s money. You are going to look at your business in a different way. You are going to put in the extra effort to reduce risks and make your business a success. What you make from your business will be yours and you will not have to repay anyone.

Loan from Friends & Family

If you can convince them, you can consider taking loans from friends or family. The key is to make them understand what your business is about and make them believe that it is going to succeed. In such a case, you should treat your investors the same way you invest professional angel investors. Update them about the progress of the business and always keep them in the loop of the positives and negatives. Treat them like a partner once you have accepted their investment.

Partners

You can also add partners who can fund your business idea. It depends whether the partners want to become employees of your company. You can also consider finding strategic partners that can mean that your resources can be aligned together. So if you are starting a property maintenance business, you can have a property management company as your strategic partner. This can not just mean that you may get initial funding, but the partner company can also help you get orders for driving your business.

SBA Loan

You can also consider getting a loan through the Small Business Administration (SBA). This government agency encourages lending to small businesses and requires that a part of the loan is guaranteed. Lenders can agree to fund your startup if it has been guaranteed by the SBA. But the success rate of the application depends on factors like good credit and experience. If you can deal with all the paperwork, you can consider this option for funding your idea.

Business Line of Credit

Another way to fund your small business is to apply for a business line of credit. The lender is going to approve a certain amount that you can draw from as and when required. You will be paying interest only on the funds drawn, which is similar to a credit card. When you repay the drawn amount, it will become available again.

Short-Term & Long-Term Loans

You can also apply for a short-term or long-term loan with banks. A short-term loan is provided for a term period ranging from 3 to 18 months. It may be the ideal option if need initial capital. These loans come with higher interest rates.

Long-term loans usually have flexible terms that depend on your business needs. These loans are slightly difficult to apply but come with lower interest rates.

Merchant Cash Advance

If you have a credit card, you can apply for cash advance from a lender. The provider is going to assess your credit card receipts to determine your repaying capability before offering the cash advance. This is however different from other loans. You will be required to sell a part of your credit card sales to your lender. This is an expensive way to fund your small business but the funding can be received faster than many other options.

Angel Investors

Angel investors are individuals and groups who are ready to invest in promising ventures. You can search for angel investors online or reach out to your chamber of commerce. The local chamber can help you find who is interested in funding startups in your area.

Crowdfunding

Another way to fund your business idea is to apply for crowdfunding. This system is powered by websites that allow you to share your business idea or project with tens of thousands of potential, individual investors. There are different models of investments including:

  • Equity
  • Debt
  • Rewards

Hundreds of crowdfunding websites have emerged over the past few years. Make sure to do some research before choosing a platform that has the best prospects for your business model and niche.

Cloud Funding

Cloud funding is different from crowdfunding. It involves several groups that let you pitch your business ideas to investors. It allows different investors to fund your startup. There are certain limitations on how these investors can operate.

Venture Capital

If you have a business idea that requires significant amount of funding, you should consider seeking venture capital. This is different from other types of funding, not just regarding the amount of funding that can be procured, but also concerning the share that you will have to give to the investment company. The investment firm is going to ask for a significant share of your company. Depending on the funding, it is mostly a controlling interest.

So these are the different small business ideas and funding options that are available to you. Make sure to consider a startup idea that best matches your passion. If you take personal interest in a business, it is highly likely to succeed in the long term.

9 Best Reason for Resignation & Ending Internship for Bad Experience.

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An internship is a once in a lifetime experience for a young person. After graduating college, the young professional, with stars in their eyes and naivete running through their veins, wants to get experience in their respective industry so they apply for an internship. Just two or three days into it, that intern will understand first-hand that everything they thought they knew was just wrong.

Internships have gotten a bad reputation over the past few years. Interns have filed lawsuits against their employers, while politicians are working hard to ensure unpaid internships are no longer in existence. The latter is completely idiotic. With that being said, young interns need to soon realize that all the things they were taught in school about their profession isn’t 100 percent accurate. In fact, you may ask: was that internship a waste of time?

When the going gets tough, you just want to make an exit from your internship. Instead of learning about the industry and gaining new skills, you’re performing mundane tasks and getting people coffee. You didn’t sign up for this. So how do you know it’s time to quit your internship? If these thoughts are rummaging through your mind then that’s the sign in itself.

Here are nine reasons it’s time to quit your internship:

Has Your Internship Become Unsafe or Threatened?

Depending upon what field you’re in, your internship can suddenly be transformed into a dangerous position. If you’re interning at a landscaping company then you could suddenly risk losing a finger. If you’re interning at a roofing firm then you could threaten the health of your back. Now, these types of internships are a lot more dangerous than interning at a white-collar job, but even that comes with its dangers. How many people have arthritis or back pain just sitting at a desk eight hours a day typing away?

Your Personal Values Are Becoming Compromised

Is your company doing something that jeopardizes and contradicts your personal values? If so then it could be time to leave before you get too deep into your internship. Your personal values are very important and they could never be compromised for anything or anybody, let alone an unpaid internship. When the private firm is on the cusp of doing this then air your grievances to your handler and explain to them that you have to leave before it’s too late.

Everyone is Disrespecting You

Being an intern is like being the new kid at school or entering your junior year of high school. Everyone will pick on you, insult you, bully you and overall disrespect you. On your very first day of interning, most of your peers will refrain from even looking your way, unless they want you to get their coffee. Well, not all internships are like this, but there’s an abundance out there. If you’re being disrespected then you have two options: stand up for yourself or quit. Have some self-respect!

The Company is Taking Advantage of Your Internship

There are plenty of stories out there that entail companies taking advantage of free labor, er, internships. Instead of fulfilling the responsibilities of the internship, the company will have you go above and beyond of your intern position. This violates the internship agreement, but many interns will do this because they want to prove their worth and perhaps get hired by the firm. Here’s the kicker: the company won’t probably hire you.

Business is Under Criminal Investigation

If the business you’re interning at is suddenly facing a criminal investigation or is in the news for illicit behavior then leave right away. There is no reason for you to stay there and delay the inevitable. If a company is facing such hellacious charges then don’t bother trying to garner experience. Not only could this compromise your values (see above), you also won’t be gaining any experience or learning anything new as everyone will be focused on the allegations.

Your Skills and Abilities Are Being Unused

You’re a smart person. You spent a lot of time at school honing your craft and perfecting your skills. You want to use this special skillset at a new job and do something meaningful. Well, don’t expect that at either an internship or in the real world. Here’s something you’ll quickly understand: your skills and abilities will go unused and you will quickly become bored. This is something you’ll learn in the school of hard knocks when you get older.

Working When You’re Not at Work

Indeed, this isn’t just relegated to the world of internships. The newest trend in the asphalt jungle is to work when you’re not even at work. Thanks to digital technology and mobile devices, we can work anywhere we want. This means that our work-life balance is eviscerated. When you’re an intern and the firm wants you to complete some design project, they’ll expect you to be available anytime and to do the work on your off time. They’ll likely float the idea of being hired as a full-time employee in your face, much like a donkey and a carrot.

Daydreaming of Being Somewhere Else

Unfortunately, if you’re already daydreaming of being somewhere else when you’re at your internship then it’s already a sign you have to leave. This symptom of daydreaming is something that is only felt by older, disgruntled workers who aren’t achieving their dreams of working in an entirely different field or writing that Great American Novel (Billy and the Tyrannosaurus). Instead, you’re just sitting at a desk, beginning a new routine and finishing tasks that will just need to be done tomorrow. Oh, what a life!

You Don’t Want the Boss’s Job

The goal of most workers is to achieve the highest position in the company. Many Wal-Mart cashiers have risen through the ranks and are in executive positions. Although this is hard to achieve, it isn’t something you really want to do anyway. When you observe the office and look at all of the responsibilities that your boss has, the one thought that comes to mind is: “I would never want his job and I just want to quit!” You begin to cry.

The reason why this is a sign that you should quit is because then you won’t go above and beyond at the job and you’ll refrain from being dedicated to the job. A lot of workers that employ these characteristics do so because they want to be head honcho, earning six-figure salaries and garnering all of the perks that come with being the man.

Final Thoughts

In the end, it’s imperative that you do not quit your internship in the heat of the moment. You have to make a thoughtful and rational decision upon giving your notice that you’re leaving the internship. Storming out of the office, swearing like a sailor won’t get you anywhere, except terrible references. Before quitting, sit down and think why you don’t like it and if quitting is your only option. You’ll be thankful you did. We all make bad decisions when we’re raging.

Have you ever quit an internship before? Let us know how it happened in the comments section…

Three Ways & Strategies to Increase Brand Visibility

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The true beauty of an impressionist painting cannot be fully appreciated unless one steps away from the painting so that the correct perspective can reveal the genius of the art. Today, more than ever, marketers are feverishly trying to create campaigns and events that increase brand awareness and product differentiation with fewer resources. With more balls up in the air and no time to catch one’s breath, much can be lost in the quickly evolving art of marketing, particularly in regard to one’s brand.

Unless a company has only recently established its brand, the likelihood is that the brand strategy was decided upon at inception and most of the focus has been placed on reinforcing that brand ever since. Much like viewing a Monet from a foot away, marketers are too close to their brands, products, and markets with very little time or incentive to step back and see the real picture. Such a practice, if maintained over a significant period of time, can mean stagnation and even failure.

Why is such a brand perspective so dangerous?

As a brand expert and theorist Ricardo Guimaraes concludes, your brand is not what you want it to be, it is what your customers want it to be. If you are not listening to your customers and your markets, you may very well be selling the wrong concepts to the wrong people, while potential customers who know better are left to their own devices. When this happens, it is the brand that loses.

So a brand manager must step back and forget everything he or she believes about their brand and assume nothing. Most marketers will believe the next step is to conduct a survey or focus group in order to ask questions and solicit answers. This is not a bad idea, but it is an old and stale idea.

Modern marketers should be listening to the chatter surrounding their band’s category, solicit ideas, and help to spur the discussion along. In the past, this was extremely difficult to do seeing such chatter was localized and often private. Today, the internet opens up a near infinite opportunity to listen and engage in the marketplace in almost real time.

How are listening and engagement best achieved?

First, salespeople are the most heavily motivated employees on the front lines with an ear on the ground, affording them keen insights. They are not just the best conduit to relevant and expert content creation, they are also heavily motivated to tap markets previously ignored. Listen to them. Encourage them to investigate. Reward them for insights, not just facts.

Second, find online communities that are relevant to one’s brand and investigate. Figure out the answers to key questions such as, what is the contest of discussions surrounding relevant products and services? What adjectives are being used to describe them? What are the demographics of the people offering their opinions? How widespread and diverse are the messages being communicated? How often are similar comments being discussed and how can common sentiments be monetized?

It may not be wise to participate immediately and certainly not wise to take a defensive posture on any negative feedback one discovers about their brand, it is best to simply observe at first. Once a marketer feels comfortable with their knowledge of the discussions and communities being conducted throughout the Web, engagement for the purposes of gaining insights is necessary.

Third, if an online community is not already in place, it may be desirable to create one. If a company sells products or services some people love and enjoy, this may be an option. If a company does not sell products that people have an emotional attachment, listening may need to be done in another way.

One word of caution that is important when a company starts its own community, such a task is a huge investment in time, energy, and money. It is not for every business. The insights to be gained could drive a brand to the front of its market, but it must be understood from the outset that this is a soft sell approach. People must want to join the community and marketing to them must be subtle. Solve a problem or bridge a gap in the social scene, make it fun, and tap the altruistic desires of people. Only then can a marketer earn the trust of consumers in order to gain their perspective and learn from their collective genius.

Whatever way one listens to the people who are talking about their brands and the category they reside, stepping back from the grindstone routinely and taking a fresh perspective is necessary. Although today’s workday is engulfed in producing more with fewer resources, the unknown threat and missed opportunities are the greatest danger. Step back, relax, and listen.

Seven Social Media Mistakes to Avoid for Your Business.

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We all know the importance of running effective marketing campaigns on social media. Unfortunately, with all the strategies and information out there, sometimes businesses get it wrong. The best and brightest social media campaigns can go down in a blaze of glory with one poorly worded tweet. To ensure your social media crusades are successful, don’t make these seven social media mistakes by companies:

#1: Forgetting to Blog

Don’t forget that blogging is essential to gaining traffic and followers. It also creates a persona for your brand. Well executed content for blogs also has tremendous SEO advantages and can contribute greatly to the success of your social media campaigns. Timely blogs that speak to your target audience will enrich your inbound marketing strategies, as well as your social media and traditional marketing campaigns.

#2: Sharing is Not Always Caring

Understandably, you want to share the personality of your brand on social media. You want your business service or product to stick out among the crowd as something special with a unique voice. This creates brand loyalty and trust from your followers and potential customers. However, you want to avoid getting too personal and sharing too much with your audience. Avoid engaging in negative feedback and stay away from topics such as religion, politics and controversial subjects. Keep in mind that what you might think is funny might be offensive to others. Talking about these things can hurt your reputation as a company and cause people to unfollow you. Instead, focus on topics that are relevant and will interest your target audience.

#3: Using #hashtags Wrong

I’m sure you have used hashtags many times in your social media posts. Images that include a hashtag receive more likes than those that don’t. But be mindful when using them. If you are using hashtags that aren’t clearly defined, your hashtag could potentially be stolen and could be used in a negative way. These “hashtag hijackers” take random hashtags that are popular and use them to piggy back for views.

Also, try to avoid using a bunch of random hashtags that are slightly related simply because they may or may not be relevant to your post. Using a ton of hashtags takes away from your content and can come off as tacky. Be sure your hashtags are clearly defined so that they are going to reach the exact audience you want.

#4: Thoughtless Shares

Not taking the time to create a thoughtful post can be detrimental to your business. You must create something that benefits or engages your followers so you are going to have to get creative. For example, designing your social media content that serves your local area or creating a contest, promotion or giveaway can motivate your audience to like, share and engage in your campaign. Create an incentive like #turkeytuesdays if you own a sandwich shop. Call for images or ideas for people’s favorite turkey sandwich. Doing this can make you the most popular spot in town!

#5: Because it was There

Many businesses feel that they should be using every single one of the social media platforms available simply because they are out there. This is not the case. You do want to diversify and become a large presence on many of the platforms. But this does not mean you have to be on all of them. A plumbing company who is on LinkedIn and Facebook might not need to have a Snapchat or Pinterest account. By doing a little research, you can easily find out where your target audience is visiting and market strictly to those platforms.

#6: Getting Hacked

It should go without saying that you need to guard your passwords to your social media accounts closely. Security on social media is a huge concern for any business. You do not want your account suspended or your followers to lose trust in your brand if it is hacked. Make sure you have creative passwords in place and are using social media management tools. Only certain individuals should have access to these passwords and you should change these passwords every few months.

#7: Slacking on Tracking

If you do not track your activity and effectiveness of your social media campaigns, how will you know if they are working? You must monitor updates and efforts to see what is driving traffic and what is failing. There are many tools available to help you track, including HootsuiteBufferMoz Analytics and of course Google Analytics.

12 Components of a Successful Business Plan:The Ultimate Checklist

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Whether one is introducing a new product line, product extension, or starting a small business from scratch, being prepared and having a business plan is essential to success. Producing plans of this caliber can be a daunting task, and without experience in creating such a plan, one could find themselves stuck with little means of moving to the more exciting and profitable implementation phases of a rollout.

The 12 components of a successful business plan include:

1. Overall business and profitability statement / executive summary

If there are stakeholders that need to be convinced a plan of action is necessary to grow or start a business, a strong and convincing executive summary is necessary to convince those viewing the plan it is worth the investment of time, effort, and/or money. In this segment of the plan, it is important to show a clear and concise path from concept to profits. The conclusions drawn in the executive summary must be supported in the analytical segments of the plan.

2. Intended audience

Is this plan intended to be seen by everyone in a company or just top management? It is very important to state this clearly at the beginning of the plan so that those who read it recognize the limits of its distribution. This section also helps to recognize those who will be reading the plan and to let them know they are a part of something special in which only few are privy to the details.

3. The development process

How will the product, service, or market be expanded or created? Those creating a business plan may not necessarily know these details at first, but by dedicating a portion of the plan to this information, those who understand this part of the process can help to fill in the blanks.

4. Timeline

The foundation of successful business plans is keeping stakeholders on track in regard to their deliverables and ensuring the milestones of the plan are either achieved or the roadblocks to achievement are exposed. Without a strict and detailed timeline to achieving the goals of the plan, the likelihood of success is cut back significantly.

5. Customer needs

To lay the foundation of any new product or service, one first must recognize why there is a need in the market. This segment of the plan is important to the value proposition that will eventually be used to promote the product or service.

6. Target market

Where will the product or service have the greatest chance of sales success? Knowing the market or markets a new product will be welcomed is of course the foundation of a launch that will make the greatest splash.

7. Competitive landscape

Most of the time spent on a business plan should be understanding the competitive landscape. Today more than ever innovation is only a heartbeat away, so ideas that may be new to an entrepreneur or business may not be new to the billions of people online generating new ideas and acting on them throughout the world. Without a strong competitive analysis, businesses and entrepreneurs can spend countless time and money crafting the perfect go-to-market strategy only to find too late that someone else has done the same with limited success or the market is saturated with suppliers with limited profitability.

8. Pricing

From a strong market and competitive analysis, pricing of a product or service for introduction into the market is easier and ensures greater odds of success. In this part of the business plan, it is imperative that all cost elements to bring a product or service to market is recognized.

9. Features and benefits

A strong understanding of the features and benefits of a product will help to understand how a market will be penetrated and lay the foundation for the marketing messages. This also underscores the value proposition of the product that will help to convince other stakeholders the necessity of working together to achieve the goals of the plan.

10. Packaging

Packaging is not just the physical packaging that surrounds a product, it is also how the product or service will be presented to the customer conceptually. Will the product be bundled with other products, or will it be a standalone service or item? These are all elements of the packaging of a product.

11. Marketing elements

Segmenting part of the plan so that the different marketing tactics are understood will bring together many of the former elements of the plan. A number of questions should be answered: How will the product be introduced into the market and promoted over time? What social media elements are to be considered? Where is the audience that would be interested in the product online and elsewhere? What traditional marketing tactics will be considered? How can the press help to bring awareness of the new product or business?

12. Budget

Understanding how much money is dedicated to the different elements of a project will help entrepreneurs understand their best return on investment. If most of the budget must be spend on development and therefore there is very little money for promoting a new product or service, a focus on a strong media push/publicity effort may be necessary. In the case of a budget that is large enough to help make a splash in the market, understanding where the greatest return can be realized will ensure continued success.

A strong business plan is the foundation of any new business or product. These elements are key to a well-rounded plan that considers all the most important elements. Other considerations one may want to entertain include how conflicts will be resolved, legal considerations, security measures, workflows, and engineering plans. With the right elements to a business plan, an innovator can help to ensure success in the long run.

How to Market Local Businesses & Become Top Store Locally?

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If you want your business to be set a part from other businesses you have to think about details. Customers like to be appreciated. They also want to have an enjoyable shopping experience. Follow these seven ideas to market your local business and become successful locally.

1) One way to make guests feel welcomed at your establishment is by giving away free goodies and discounts on special days like their birthdays, membership anniversaries, graduations, etc. Free products help recognize guests and they are also a great way to promote your business’ products and services.

2) Another way to make your business gain popularity is by being the only store on the block that has a public restroom. Stores that offer bathrooms on a street that has no bathrooms available becomes the neighborhood’s most sought out business. Even shoppers who originally had no plans to shop at your business but all of a sudden have to make a bathroom dash now have to purchase an item in your store in order to use your restroom.

3) Make your customers comfortable while shopping. If it is summer make sure your store has air conditioning. Most customers will leave a store or a restaurant if it is hot inside and makes them or their children feel irritated.

4) Not only should your company have a public restroom it should also have basic sanitary items available to guests. Who really wants to use a restroom and not be able to wash their hands? Sadly I have seen many small businesses functioning as if they are part of a third world country. They do not have hand soap, paper towels, or even a hand dryer available to paying customers. Keep your business environment always clean. Go above and beyond what competitors have available in their restrooms and have hand lotion and perfume open for guests to use. Customers should never leave your business feeling dirty that would be a horrible reflection of your company. After all customers shop for convenience not to be distracted with more obstacles like what should I do now that my hands are germ infested? Keep restrooms clean and stocked with sanitation items. Make sure that if you serve food at your business that tables, floors, and entire dinning areas are clean. Customers dine out to avoid cleaning up messes they should not spend their hard earned money sitting in an area that looks like a pig’s stable.

5) Make your business a fun atmosphere with upbeat music. This adds to your store’s energy. No one likes to go to a business and be tempted to fall asleep while standing in line due to listening to elevator music playing. Find a radio station that has an upbeat tempo. Or use an iPod to share your favorite tunes with guests. Good music will also make your employees excited to be working at a company that is young and full of life.

6) Don’t be a snob and tell customers that they are not allowed to have fun by taking pictures in your store. Guests sometimes are amazed by business’s scenery, brand name, or products and they want to share the excitement of how awesome a company is with their online family members, friends, and followers. Let them take selfies and photos to share with all of their people. Guest’s loved ones and supporters that view these images are your company’s potential new customers. Don’t sleep on this opportunity. I have walked out of stores and never returned if a store employee told me or my group that we can not take pictures in store. Smart companies and the real creative stores will have cool props with brand names or logos on them that guests can use in their pictures.

7) Make a lasting impression with customers long after they leave your business by giving away free product samples, demonstrations, or recipe ideas. Shoppers and foodies absolutely love free samples. By treating guests to small sizes of an item that either tastes good or makes them feel good they will on the spot purchase an item. Not only will they buy immediately they will tell their friends that your store is the place to go to for free samples. Your store will then be viewed as an oasis in a desert. People from miles away will go searching for this amazing place.