Become a Successful Entrepreneur in Your Own Home Wellness Business

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The possibility of thriving in a business enterprise seems like a distant dream to many people. This happens because most people are not knowledgeable about entrepreneur success and business. A home wellness business could be the answer.

Most men and women have been taught to be satisfied with working for someone else, which is quite different from being a business owner. Regardless, with simple change in your thinking, the transition from being an employee to entrepreneur can be freeing and even fun. To begin, you have to learn what it takes to be a healthy, happy entrepreneur.

4 Qualities of a Healthy, Happy Entrepreneur

1. Creative and Inventive: You probably haven’t thought of having your own business as a creative opportunity, but it is just that. Enterprising men and women enjoy discovering new opportunities and achieving awesome results.

2. Prosperity Thinking: Having a positive focus and realizing that miracles can happen are qualities of enterprising people that raise them to unimaginable levels of success. Knowing you are on the road to success provides impetus that affects your work ethic and all the people around you.

3. Appreciate Others: Entrepreneurs understand that they succeed because of the people around them, from coming together and helping each other. The joy that comes from interacting, sharing, and assisting others is among life’s greatest gifts.

4. Taking Action: Persistent action is one of the most important keys for succeeding in any enterprise. One key here is to act now. While most people wait for the perfect time to start, effective entrepreneurs recognize that the time is now.

And if you enjoy what you are doing, it’s fun to do what it takes to make it a success. Enterprising people enjoy being members of a dynamic team that’s determined to reach higher reaches of potential and accomplishment.

The idea of working together to achieve a common goal is a time-tested key to success in business and in life. Napoleon Hill taught about the power of the mastermind that’s activated when individuals come together to reach their goals. This approach is as relevant now as it ever was.

With the development of the internet and social media, growing numbers of people are recognizing the importance of cooperation. When you put together all four of these entrepreneur traits, magic happens. They form a sturdy foundation upon which to build your goal of having your own home wellness business.

Paul Zane Pilzner, who was the economist to two presidents, calls the combination of direct selling and the wellness industry the perfect storm of opportunity for our economy. And this rapidly growing industry is effective in any economy. This is also an industry where you can create a home business on your own schedule, with tremendous wealth potential.

Partial Payment To Stop Foreclosure – Will The Bank Take It

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Once a homeowner is behind on their mortgage payment, they can expect a lot of harassing calls from their bank. Unfortunately, that isnt the worst of it.

The difficult part for the homeowner is that once you get more than 30 days late the bank requires full payment of all monies in arrears. So lets say a person hasnt made a payment for a couple of months and you manage to scrape together the 2 months mortgage payments of $4,000 and you call your bank to let them know the good news. But what you hear is the bank saying “Hey you know that $2,000 monthly mortgage and you know how you owe us 2 months worth of payments, right? Well you actually owe us $4,500 because youre two payments late and were not going to accept anything less than full payment on all monies that are past due. Oh, and by the way there are some penalties and fees and things were going to add onto that, so thats why you need to send us $4,500 to get back in our good graces. If you dont send us this amount, were going to go forward with foreclosure proceedings and take your home from you.”

And rightly so, that freaks people out. Most families typically cant come up with two or three or four times their monthly payment in one lump sum. If they try to send monies in that are anything less than that full lump sum amount, the bank will usually, quite literally, send the person the check back. If the person says, “Hey all I can do is come up with one month payment. Ill send you the $2,000 plus fees, so Im going to send you $2,400.” and they send in the check and the bank is more than likely not going to cash it and they will send it back to the homeowner.

With the banks refusing to take partial payments the bank will then often proceed into the next stage of the foreclosure process. Typically after 3 or 4 months that have gone by without a payment, the bank at that point is going to legally file against the homeowner and submit a legal document to the homeowners county recorders office. The document is what is called a Notice of Default (NOD). This takes the homeowner one big step closer to losing their home.

Great Small Business Event Marketing

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For more going on fifteen years, I have been helping business owners and organizations hold events. The events ranged from races, to fairs, to concerts and dinners. Though the attendance varied greatly between them, the goals of management were often met and exceeded.

Events are the best way to:

get prospects to visit your store for the first time

build upon existing relationships with customers and vendors

grow existing lines of revenue

rally and motivate workforce and volunteers

expand branding

grow online presence and position

have a great time!

Events are very community oriented, and driven by the same. Bringing people together creates buzz.

There are three major areas of an event: event marketing (getting the brand out), event management (making sure the day is planned well and executed successfully), and event planning (getting all the details together to meet the event vision). Working together, these three items, thought out and coordinated, make great events.

I am often asked questions related to any of these three items. The questions I hear range from band and entertainment to how to use Facebook. Small businesses can do a lot with a little encouragement and direction. They can go really far with a little help from someone in the event industry. Small businesses and Organizations have a lot of gusto. They are ready to go all the time. And when they can see that something will get them further, they often grab the opportunity.

Small businesses are flexible. They can have a simple, low cost event marketing schedule coordinated with other ongoing marketing. Pairing an event with current expenditures creates broad public awareness. With current promotions are paired with a chance to experience a business or product, customers have incentive to participate.

I have often seen this occur. In one case, a restaurant advertised their foods as well as an evening with live music. Some monies from the night would be donated to the city fireworks fund. This night brought some business and money for community fireworks. The result was the night of the fireworks show, the restaurant was full to the brim. They had one of their best nights ever.

The power of small business event marketing is understated. Giving customers a reason to experience a small business in the form of a party invitation has leverage. As a small business owner, having an event can be fun, rewarding, and valuable to sales overall.

Ultimate rewards and freebies on current bank accounts

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I was in a bank last week waiting to pay in a cheque while the 3 cashiers attended the queue of about 10 people; so 20 minutes after looking around at all the usual 0 per cent credit card offers and low rate loans, I was surprised when the cashier asked me if I had one of their ‘new’ current accounts.

‘New’ I thought; I’d only started banking with them in the last 8 months, how could I have an old current account!? “Oh yes” said the cashier, “we have new current accounts that offer travel insurance, mobile phone insurance and motor breakdown cover.” I thought I was in a Churchill car insurance advert for a minute!

“Hhmmm, ‘new’ current account,” I thought – doesn’t this mean ‘monthly fee’ current account?? I like the way the current accounts that charge you on a monthly basis have all been named dramatically like the ‘Ultimate Reward’ or ‘Gold Rewards’ ‘Advantage’, ‘Premier’ etc, etc…But that’s all I like about them to be honest.

All the benefits or ‘Rewards’ for your monthly fee seem to include ‘* Exclusions apply’ even to things like travel insurance. ‘Worldwide annual multi-trip travel insurance for you and your family’ – read the leaflet; but then a huge ‘* Exclusions apply – please refer to the terms and conditions.’ So you have to trawl through the thousands of ‘T’s & C’s’ to make sure you don’t fall into any of the exclusions! Who honestly bothers to read absolutely everything?

I would guess that the level of insurance and motor breakdown cover you’d get with a current account doesn’t compare to the level of cover you’d receive if you bought the same mobile phone insurance, travel insurance, or motor breakdown cover as separate policies. But then again I might be wrong…

In any case I’m ceratinly not going to start paying for a banking service that I can get absolutely free without all the gimmicks of ‘freebies’ – You get nothing for free and that’s certainly the case here because you’re paying a monthly fee, so how can it be free?! One day I might take the time to actually read through all the insurance cover terms to see exactly what you get for your money I bet it’s not that much!

John Hogan writes for the UK’s firstMotoring Web Site. Motoring.co.uk finds you the best deals on new cars and offers free car valuations to help you sell your old car. The unique online search functionality will help you find the best new cars, and new car deals, in the UK Today. Visit motoring for a free car valuation today!

Way To Succeed In Banking Profession

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There is always a demand for the banking job or investment-banking job. The reason is that investment banking is the most money making job. However, it takes time plus dedication to succeed. You must start with the entry-level job in banks.

Outline of the banking job positions:

Investment banking job is not the only banking position and there are various types in banking jobs. A bank teller occupies 67% of the banking positions. Understanding the job responsibility is the first step to succeed. Other job positions in the banks are:

Bank manager: The manager is the main person who operates the entire working of the bank. You as a manager must supervise the banks daily operations and must find out whether the employees are working as scheduled.

Financial advisors: As a financial advisor, you must recommend and give suggestions to the clients. This job is so important bearing great responsibility.

Accountants: If you have a good skill in accounts and if you are well qualified, you can go for this position. This job position is very important because the work performed by an accountant or by a group of accountants will be showed to the tax authorities, investors etc to fix the financial status of the bank.

Tips for success in banking job:

Banking career is one of the most anticipating fields. To succeed in this sector you must remember few factors as indicated below:

Keep exploring:
You must always be aware of the latest happenings in the business world. If you are aware of it then you will be able to increase revenue for your clients and bank. You are responsible to make sure that your customers are making a smart investment.

Fixing the fees:
As you are an investment banker, you must do some enquiry before deciding your fee. You must be sure that you get a good amount when compared with what you have invested in first place.

Networking in banks:
Like other fields, banking career also has become linked with networking. To recognize the related professionals, to attend the meetings or gatherings, anything is possible through networking.

Dedication towards your profession:
Without dedication, you cannot succeed in any fields. This is true particularly in banking jobs. You must devote all your time towards the bank service and to your clients. If you are working for investment banking, you possess additional responsibility because people enquire you about the means to spend their money.

Property Investment Vs Property Speculation

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Most people get Real Estate wrong for two simple reasons.:

1. They don’t understand the difference between an asset and a liability
2. They don’t understand the difference between investing and speculating

The broke majority live under the misguided belief that their family home is an asset. An asset by definition is Something valuable that an entity owns, benefits from or has use of, in generating income. The key is the words generating income. By that definition your home is not an asset, it is a liability. It does not generate income, it costs you money.

The broke majority will borrow as much as they possibly can, to buy the most expensive home they can afford, in the mistaken belief that this is a good investment. In fact they are are burdening themselves with the worst kind of debt. Long term, expensive, non-deductible debt that produces no income in return. The same kind of debt that lead to the housing collapse in the USA.

Successful investors understand this crucial point. Your home is not an investment.

The Business Dictionary defines an investment as Money committed or property acquired for future income. Now some will argue that an investment doesn’t have to produce an income and cite as an example gold bullion, collectibles or share futures contracts. By definition, none of these are investments, they are items of speculation. They can go up in value or, just as easily, go down. You are speculating on the future trade-able value, not investing in the inherent value of the income an asset represents. Tens of thousands of homeowners around the world discovered in 2009 that home values can fall and can fall dramatically and disastrously.

If you buy a house to live in with no income return expected from it, but in the hope it will increase in value, you are speculating not Investing.

If you buy a house to rent out, you are investing. The Australian government has long recognised the difference and that is why they allow you to claim the expenses relating to a rental property, including interest payments, as a tax deduction but do not allow any deductions for expenses incurred in buying a house to live in. In other words, the government is willing to share the risk of investing in income generating real estate because the risks are lower than tying up your money in your home.

Smart investors have a small or no mortgage on their own home and the majority of their borrowings are for rental property because that is the lowest risk strategy. They also get the best advice they can on quickly reducing the mortgage on their home.

Personalized Koozies – Five Ways To Use Personalized Koozies For Your Small Business

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As giveaways at job fairs: with the economy the way it is, businesses need as much exposure as they could acquire, as well as exactly what better place than through a job fair. Even if you’re not planning on employing a lots of individuals, personalized Koozies still make a good promotional giveaway product that attendees may take along with them. This is particularly beneficial if you’re a service kind of company, and may keep your name right in front of their minds for some time to come.

2. Charity happenings: whenever charities are trying to boost money, the first to be approached are local businesses in your community exactly where they will be holding their fundraising affair. By including personalized Koozies with your logo along with name on them, you not just practice good local community assistance through assisting the charity with their fund raising, you get nice publicity and also advertising for your business at the same time. Designing them to replicate the charitys concept as well as colors makes them a collectible, too.

3. As sales giveaways: in case your business endures sales, then providing personalized Koozies in your sales agents for use as part of their own personal promotional deals is a great idea. Whenever they contact a new customer, they are able to leave one or more with them as being a gift for being attentive to the presentation. At product sales seminars for your enterprise niche, they generate great gifts for your prime sales staff, customized with their accomplishments, or as a free gift throughout the meeting.

4. When sponsoring local sports clubs: lots of companies today will support local sports teams as part of their promotion efforts. Precisely why stop at just supplying jerseys for any Little League team, when you could give personalized Koozies also? You may have them imprinted up with the team name, their logo, and also the season or perhaps year. They will show how much you care about the kids, and provide them, and their guardians, something to remember your sponsorship as well as your small business.

5. At welcome centres or even chambers of commerce: When individuals move into a new community, they generally check with local workplaces for names of organizations they may have need of in the foreseeable future. Chambers of commerce would gladly supply space for giveaways to new people, as well as handy stuff like personalized Koozies will always be delightful. The Welcome Wagon will always be searching for new gift items to incorporate in their welcome deals, also. Exactly why not provide them with a few cases of Koozies along with your logo, name as well as contact information to encouraged newbies with?

Retirement Planning for Small Business 3 options

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Wondering if your business is too small for a group retirement plan?

One of the keys to attracting and retaining top employees is to offer a high-quality retirement plan. A group savings plan conveniently helps employees save money for the future while reducing and deferring taxes today. Plus, the investment you make in a group retirement plan is an investment you make in your organization, your employees and your reputation. Everyone’s a winner.

Three options stand-out depending on what you want to accomplish with your plan and how much flexibility you need. These are: 401(k) plans, SEP IRAs and SIMPLE IRAs.

The 401(k) Offers the Most Flexibility and High Contribution Limits The traditional 401(k) is probably the most widely known retirement product on the market. It’s the fully loaded, high performance SUV of retirement plans. It’s generally defined as one that enables a business owner and employees to make consistent, tax-deferred contributions during the length of their careers.

SEP IRAs are Pretty Easy to Start and 100% Funded by the Employer Simplified Employee Pensions, more commonly referred to as SEPs, are also a popular retirement plan choice as they offer a contribution limit that’s similar to a 401(k). It doesn’t have all the bells and whistles of a 401(k) plan, but it’s got a good engine under the hood. One of the most important things to understand about SEPs is that 100 percent of the contributions made are by the employer (no employee contributions allowed) and these dollars are immediately vested for the employee.

The SIMPLE IRA is a Solid, Affordable Third Option

The SIMPLE IRA’s name is a bit misleading (it actually stands for Savings Incentive Match Plan for Employees). While both employer and employee can contribute to the plan, the employer must match and matching is vested immediately.

If you do decide that you want to offer a retirement plan, you are definitely going to need some professional advice and guidance. Pension rules are complex, and the tax aspects of retirement plans can also be confusing.

As a financial planning and wealth management professional firm, Mintco Financial has been helping its clients effectively plan for comfortable retirements.

Michael Minter, as a managing partner of Mintco Financial, is a trusted investment management professional who carries more than 16 years of experience in this challenging career field.

Throughout his professional history, Michael Minter has gained strong insight into what skills and knowledge is necessary to perform investment management, wealth building services, small business development and retirement plans.

Michael MInter is also author of the book I-Plan, a guide for your financial security.

Call Michael Minter at 813-964-7100 at Mintco Financial.

Retirement Planning for Small Business

Thoughts on Painless Commercial Real Estate Investment Advice

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Real estate investment is the practice of buying real estate property and making a profit out of it by selling it. There are many people that make a living utilizing this type of investment as it can be rather lucrative. Nonetheless, not everyone advantages from it. There are people who make the wrong choices when purchasing property and wind up making drops.

Wondering how to get a great start in the sales of commercial real estate? As of today commercial real estate market is considered as one of the vast market regardless of where you are. You could easily find a booming career in the real estate industry if you are aware of on the right techniques of the market. You can always take good real estate investment advice for getting a great initiate in a fruitful venture.

Commercial real estate investment can be considered as very good career choice. There is always a market for business when you consider commercial real estate investment. Always remember when you get involved with commercial real estate investment, keep the deal in your mind. You always have to be alert when deciding any type of deal. Dont only go for just a good location or good appearance, but there should be lot more things you have to keep in mind like the bottom line earning you expect to make, the following terms and conditions of the agreement and moreover the approximate rate of return from it. Simply focus on the expected profit and good real estate investment advice rather than getting emotional on one property.

Always keep in mind that the whole real estate process is a long process even if you have already gone for a commercial real estate property. Now a days people or owners get so impatient with all the processes and simply give up on the deals. Basically you need to have the track for all the things like all the official documents has to be made properly, the documents need to be signed properly and moreover repairs need to be made.

Well you have to think before doing anything like for example why the previous owner is selling its commercial property and more questions like this. Sometimes, they are selling it because of a problem with the property itself. It can be any scenario like it could be prone to more bizarre scenario be the target of repeat break ins due to a vendetta or perhaps due to insect infestation and lot more things like this.

There are always new things happening in the commercial real estate as there are always new questions coming up that you cant even answer. So that is why it is said to take real estate investment advice from some experienced person that probably helps your success rate. This makes a wealth of resources available to you.

For more information related to real estate investment advice , Please visit : americanrealestateinvestments.com

Finding A Franchise Operating Partner

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When people consider investing in a franchise opportunity, they often envision all the benefits of owning their own business. However, those early months of getting a franchise off the ground can be stressful and require long hours and some skills a franchisee may not have. In this case, it is often worthwhile to consider finding an operating partner.

Finding a franchising partner is not an easy task and should not be done with haste. Unit owners will want to engage a talented individual with skills that complement their own. For example, an owner fresh out of college should look for an individual with experience in the field, explains Franchising.com. But even those business veterans with 20-plus years of experience can benefit from a partner with a significant business background.

There are three strategies the Web site suggests franchisees consider when seeking an operating partner. First, unit owners should make sure any business individual they decide to team up with shares the same goals and objectives for the franchise unit. One way to get a feel for individuals’ motives is to ask prospective partners about their business and personal philosophies, the hours they are willing to work in the beginning stages and if they are interested in long-term growth.

An operational partner should also possess complementary skills – unit owners should not seek clones of themselves. To begin determining what attributes and experiences the franchise could benefit from, owners will need to take an honest look at their own skill set. The Web site suggests considering areas such as marketing, managing, finances/accounting, customer service and technology. However, franchisees should also examine their own personality type, demeanor and operating and managing style.

‘You’ll want to identify the areas where you are strongest and feel most confident. Now, look for a partner that can fill the gap in the places where you are not as strong. Working together, you’ll form a well-rounded management team,’ Franchising.com writes.

Finally, franchisees should look for partners with a good understanding of the local market, including people, places and other factors. Deep market knowledge can aid a franchise in everything from site selection to marketing. This is particularly important if a franchisee is relatively new to the area – someone with good local knowledge will be able to help the unit attract employees and customers as well as work with local vendors and suppliers.

Once a franchisee has found an operating partner, he or she should make sure to create boundaries and job responsibilities to avoid conflict and tension when business inevitably becomes stressful. One technique the Web site suggests is designating a third party to help make decisions when partners hit a logjam.