Friday, 21 August 2009

Do You "Love" Your Small or Home Business?

How to Fall in Love with Your Business

Regardless of the passion you may have for your business, there is always a chance that, at any point, you may fall out of love with the work you are doing. This is easy to do when you are stuck inside, at your computer, working and all of your friends and family members are enjoying summer vacations and trips. At one point or another, even the most successful entrepreneurs have lost momentum in their business and feel as though they have hit a rut. Even with this small setback, it is important to get back into the swing of things and fall back in love with your business in order to see continued success.

Remind Yourself of Why You Started this Business

Entrepreneurs often begin a business surrounding something that they enjoy or that they are passionate about - animal lovers open pet store or grooming business, bikers open bicycle shops, and bakers open bakeries. Even though this was the spark that started the business, it can often become lost in the day-to-day operations that a business owner must do in order to keep the business running. A simple way to fall back in love with your business and your work is to remind yourself why you started this business in the first place - getting back in touch with your roots can often lead to a renewed sense of passion.

Emulate Those You Look Up To

Successful business owners often have role models in their lives that they wish to emulate and that they look up to. When you are feeling as though you don't love your business anymore, or you have lost your passion, you may want to ask yourself what your role model or role models would do in your situation. Would they roll over and let the business fade away? Or would they take a moment to connect with their passion for working and refocus their energy on making the business even better? The answer is usually the latter and working to emulate your role models can help to re-spark your interest.

Evaluate Your Personal Goals

Often times, business owners are motivated not by their business goals but their personal goals. If you are feeling a loss of passion for your work, chances are you have lost touch of your personal goals and it may be time to sit down, evaluate, and restructure what you personally strive for by owning a business. When evaluating your goals, keep the "Four Cs" in mind - control, creativity, challenge, and cash. These four aspects can easily sum up the personal goals that many successful business owners strive for in their personal lives that help to keep their passion alive and keep them successful in business.

Not every business owner is passionate about their business all of the time. At one point or another, every entrepreneur has thought to themselves "Why I am doing this?" If you have hit that point in your business career, using the tips above can help you rediscover your passion and fall madly in love with your business all over again.

Stacy O'Quinn has helped numerous work from home business owners regain their focus to turn a struggling home business into a thriving six-figure income. How does Stacy do it? He uses the tools he has used through Dani Johnson training! If you would like to learn more about Stacy and to find out how he can help you, click here.

Tuesday, 15 May 2007

Credit Repair Services: Do You Really Need It?

Repairing credit can be compared to losing weight, there is no quick-fix! Just as it takes time to get rid of your fat, the same goes for the negative items on your credit report. Any attempt to repair your credit quickly is more likely to backfire, than to produce any positive result. The best thing that you can do in order to rebuild your credit is to be responsible in managing it over a period of six months at the least.

You need to be responsible in managing your credit, but what if there are errors and inaccuracies in your credit report that render it negative? The worst thing about such inaccuracies is that you are at a serious disadvantage, usually through no fault of yours. Unfortunately, a study by U.S Public Interest Research revealed that 70 percent of all credit reports contain serious errors.

Fixing these errors involves a detailed legal process which consists of sending dispute letters to creditors and credit bureaus, sending reminders, studying the documentary evidence provided by creditors and bureaus, and more. Like most people, you might not have the required time and expertise to follow through on all of these processes efficiently. This is where credit repair services can help you out. Now it's important to understand that it will not be possible to improve your credit score in a few weeks. As previously stated, this is not possible even if the negative items in your credit report are due to error.

Time taken for Credit Repair 
Creditors and credit bureaus are required by law to produce original documentation in order to prove the negative items that are present on your credit report. They cannot take more than 30-45 days to do so. However, drafting and sending dispute letters may take some time as well. Some people think that it is possible for any consumer to get his or her credit score corrected without any professional help, which is true but hardly practicable.

Anyone whose credit report contains errors can try to draft their own dispute letters and send them to the concerned parties, but it is time-consuming and it takes a lot of mental effort. Unless you are ready to take this duty as seriously as you take any other professional commitment, do not even try! Hiring a reliable provider for credit repair services, which would be a company that has more than a decade of experience helping thousands of customers with unfairly negative credit reports, can help you correct your credit score without too much fuss.

Credit report repair services are particularly useful when:

— The negative items on your credit report are due to accounting, reporting or any other error committed by creditors, credit bureaus or collection agencies. Genuine errors can be struck off from the reports smoothly when you go through the proper procedures.

— The credit repair service providers are good at identifying errors that cannot be verified. By law, if any item in the report cannot be backed up by documentary evidence, it needs to be removed. This loophole can be used by credit repair companies to improve your score.

— Some lenders are willing to negotiate with credit repair representatives of their consumers. If your lender allows it, this can help you raise your credit score.

A credit repair company is an effective alternative for you if you have a lower credit score. They will take the necessary steps at removing any inaccurate information from your credit report which will eventually improve your credit score.

Friday, 21 April 2006

Lost Your Life Savings Because Of A Stockbroker? Call A Securities Arbitration Attorney Today!

In an effort to avoid overcrowding the courts, judges and lawyers alike are recommending arbitration as a viable alternative to mediation or litigation. While any case can enter arbitration, this option is more successful if the case is fairly straightforward and the plaintiff and defendant are willing to talk things out. Instead of judges, arbitration hearings have panels that are typically composed of one-to-three arbitrators who are chosen by both sides.

The Process

The panel peruses the pleadings that were filed by the plaintiff and defendant before the arbitrators listen to any arguments. Documents can be submitted by either side's attorney, and a testimony can be given. Although the process is quite similar to a traditional trial, it is far less formal. For example, witnesses are not subject to perjury laws and related offenses since they do not have to swear an oath.

What Are The Advantages?

On average, arbitration cases are more expeditious than traditional trials, which can languish in the courts for years as cases are delayed and appeals are heard. From the time the initial claim is filed until the panel renders a decision, the average case takes a little over a year. The award issued by the panel is binding on all parties.

The main advantage of the process for plaintiffs is the speed, which generally results in much smaller legal fees. For the defendant, the fact that the decision is often confidential is imperative, since many of the defendants in these cases are companies that don't want their dirty laundry aired in public.

What Are The Disadvantages?

As we mentioned, the ruling or award of the panel is final. There are also fees associated with the process, which are determined by the size of the award and the number of hearings required to reach a decision.

Which Cases Are Eligible?

Any case that involves an individual investor and a person or entity that is registered with the Financial Industry Regulatory Authority (FINRA) is eligible. Arbitration may also be an option for disputes that involve businesses. In most cases, however, the dispute is between an individual and his or her investor or brokerage house. The reason for this is simple: most investment firms now insist that their new clients settle any dispute they might have with them in arbitration, rather than in court. This clause is included in most contracts between investors and investment firms. Although the process is not necessarily less expensive for investment firms, they prefer it because it helps them avoid bad press.

Should The Plaintiff Hire An Attorney?

Just as with a regular trial, although it is possible to represent yourself in an arbitration hearing, it is not recommended. The company you'll be arguing against will almost certainly have an experienced attorney who knows the process on their side. Therefore, we strongly suggest you contact a securities arbitration attorney before you file your case.

Tuesday, 14 February 2006

Have Fun, Learn a New Profession and Earn Money Working From Your Home With a Computer and Internet

The world is going digital at a really remarkable pace. In the time that I have been an adult (now 57) we have come from bakelite telephones and telex machines to this, a world where almost everybody regardless of country or origin is reachable by a few keystrokes. Absolutely amazing!

So of course this brings us enormous potential for all kinds of communication and the one this article is about is marketing. Most of what we produce on this planet is for commercial purposes and the trick is of course for the producer or seller to find a buyer. The buyer also needs to find a supplier. Add to this all kinds of messages that are out there trying to connect and we have a marketplace.

The old ways to connect producer and consumer we all are very familiar with. TV, newspapers, billboards, we have grown up and lived our lives under a veritable onslaught of commercial messages. And now this has spread to the Internet, it was of course inevitable. This is something that we can see as tiresome. We can also see this as an enormous opportunity. Because the world Online is new, and changing all the time even as I am writing this.

It is like the old Wild West, full of opportunity for those who are able to adjust and to see the possibilities. But how does this work? If you look at this from a marketing point of view it could look a nightmare. All these potential customers but how can one reach the right people? It is diversified and spread all over without any real structure or logic, is it not?

So finding the right audience for whatever one wishes to promote is a real challenge and a very good business opportunity for people who can come up with strategies and implementing these.

If for one moment we imagine what tools and environment a person working with Online Marketing would need? A peaceful place to concentrate, a working computer and Internet access would do it. For most of us the peaceful place is our home, and there we also have a computer and Internet. What would we need more than these?

We would need knowledge how to do it, and we would need help and access to people, at least in the beginning. When we learn enough we could in our turn maybe also teach others. Do we need to be technical minded geniuses to learn? This one is easy to answer with an emphatic "no". With the right kind of teaching almost everybody can learn.

A person who can read and write in English, and operate a computer and use mail and surf the net can learn this. Even in a very short time. I have heard of people who just in a few weeks time have learned enough to start working and earning an income with this, for myself it took 3 months to get going.

For me I can say that the journey has been a real blast and continues to be so, earlier I often wondered how for example when in Facebook some ad caught my attention and I wondered how they managed to get one so suited for people like me in front of my eyes. Now I know how they do it. Or why, when I Googled something there always came up as first suggestions something with little yellow labels on? Now I know that too.

When we hear the word marketing we often associate this with selling. Some people have a hard time trying to sell stuff, they will feel unnatural and uncomfortable. But marketing really is about getting the object in front of a buyers eyes, often the selling is done by other people.

So if one can earn a living by doing marketing work it does not automatically mean that the same person has anything to do with selling the object. He/she just puts the object under the eyes of a buyer.

This is something that most of us are capable of learning and a great way either to get extra income or maybe even earn an income that makes it possible to be self-sufficient.

Think for a moment how nice it would be to wake up in the morning, with money rolling in to the bank account and not having to go anywhere to do work. To be able to live like that has not been possible earlier for more than a few people but now, thanks to new technology it is suddenly in reach for most of us, we just have to recognize and grasp this possibility.

This surely is something that is worth pursuing, is it not?

Article written by Robert Lindstrom, a 57 year old professional truck driver living in Sweden.

Wednesday, 23 February 2005

Fulfill Your Dreams of Starting a Home Business

Working for yourself gives you a great feeling of independence. If starting a home business is a dream for you then you will want to read this article. Here are some guidelines that can help you along the way.

When you work for someone else, you have very little control over your work hours or sometimes how you do your work. Working for someone else can leave you feeling empty, especially if the work you do is being credited to someone else. However, when you are your own boss, you get to set the rules. You get to set your own hours. You are in full control. That being said, keep in mind that your success totally depends on what you put into it.

You will have your independence; however with independence comes responsibility. You will be in charge of every aspect of your business. Every detail; such as, satisfying your customers, paying your bills, ordering supplies, etc. is completely up to you to take care of. Do not think that working for yourself will be less work for you, in fact, you will most likely be working more.

Include your family members in the planning of your own business. Tell them how starting your home business will affect them. Let them know how they can help you. It will be imperative to the success of your home business to include your family members by letting them know how they can help. Avoid distractions from your family while you are working on your home business. Keep in mind that working from home does not mean that you are less professional; therefore, it is important to conduct business in an efficient manner, without interruptions or interference from your household.

Another important aspect when if comes to your home business is creating your own work space. Set aside an area in your home as a work office. Try to find a space that is away from the normal household traffic. Preferably a separate room with a door that can be closed during your business hours. This can be a spare room, an area in your basement or even a transformed garage. Make sure your space is a comfortable work area for you. Have good lighting, good ventilation and peace and quiet. Your space should also have the capability to be able to hook-up a computer and a phone. There should be space for office furniture and perhaps even filing cabinets. Make sure it is an area where you can take your customers to conduct business with them in a professional manner.

Your home business should have a business plan. Every successful business owner has a plan and they stick to it as closely as possible. They write everything down. 
Describe the market you would like to reach, write down your monthly budget and decide how much money you would like to make. Try to keep your expenses low and do not overspend in your first year or two as your profits may not be as high as expected until your business had been established.

No business can survive today without a good, high-quality website. Think about how you will design your website. Having your own website is the number one way people will find your home business.

Promote your business through social media websites, such as Facebook, Twitter, YouTube and Google +. The effects of this cannot be underestimated. The more people you can bring to your website through these sites, the more likely you will be to receive business.

Running your own business takes commitment and hard work. It takes a great deal of planning and then implementing those plans. If you put your best effort forth you will reap its rich rewards.

Tuesday, 3 June 2003

What Is Your Problem - Why Haven't You Moved?

Have you felt frustrated with the progression and growth of your business? Do you feel stuck and unsure about making a decision to take a step? Do you lack the knowledge needed for an explosion? Do you feel overwhelmed with what the next steps should be?

When I began to brand myself online and to grow our Network Marketing company this way it was new territory for my wife and I. We had never accomplished what we set out to accomplish but we did not make any excuses. We took the knowledge that we had and began to network with individuals who we wanted to have similar success as. It is funny, although we had never done this before we had a vision as to what we thought it would look like and began to take steps in that direction. As we took the steps we began to learn more and more about this manner of marketing and things began to take shape. We consulted individuals who had been doing this form or marketing and they helped direct us accordingly and we made adjustments along the way. But never did we make excuses for not getting or doing and neither should you.

I tell you this little story because so many people complain that they don't know how to do this or that or say If I were only good at this or that then I'd really get it going.The reality is these statements are tools of incompetence and incompetence is a sign of weakness and you cannot be weak on this journey. These statements will guarantee that one will stay stuck and struggling.

The rub here is that just like my wife and I, if there are skills you need to acquire to move your income to the next level, you have 4 choices.

1. Do NOTHING, which we chose to not even humor.

2. A more popular choice is to throw your hands up in the air and wave them like you just don't care. No pun intended, but there are those who throw their hands up and just quit.

3. Figure it out just like we did. Learn it. Get a tutorial, a book, buy a course, Go to Google, YouTube, whatever the method, just get it done.

4. Get help. Ask somebody. My wife and I outsourced a portion of the things we needed such as logo design, SEO optimization, etc. There are many sources you could use such as The money was well spent because we didn't have a major learning curve and we knew that the work was going to be done well the first time.

You would not believe how many people will do absolutely nothing because they believe they are a lost cause because they don't know how. It does not have to be that way. My wife told me that within the year she is going to be fluent in Spanish. Do you know what she did? She went to the library and checked out some tapes for children and has now been speaking enough around the house that my children and I have picked up on some key phrases.

It may be frightening to enter into the area of the unknown, but if you want to be productive and viable in society you have to do something. I know that picking up the phone to make calls, prospecting, doing a presentation, setting up an auto response or setting up capture pages seems like an impossible task. But there is hope. You do not have to be stagnant in anything or feel that your only option is to quit. There is help for you no matter what the obstacle. You just have to take the step to get the help because there are hundreds of step-by-step video tutorials on virtually ANYTHING you can think of? You just have to have the initiative to go and get it.

You can find help in every area of your business that you are not very well versed. If you can pay someone to mow your lawn or clean your house then you can do the same for your business. You can hire a coach, you can read a book written by someone who has done what you want to accomplish, you can attend a seminar and take notes and actually apply them. What you cannot do is sit and do nothing because your business, your income, your livelihood and most importantly you will suffer. If you want a change in your life don't make excuses do whatever it takes to get it done. Pay someone, learn it, ask someone but do not be part of the 95% who choose to be a member of the do nothings crew.

Choose to be part of the remaining 5% that are at the top of their game. ALWAYS choose the option that will move your life forward. You can either make excuses or make money but you cannot do both. Choose to have PURPOSE DIRECTED SUCCESS today.

Grab hold of your FREE copy of "8 Powerful Steps to Successful Prospecting" and begin to learn how to get those individuals in your business and growing and SUBSCRIBE to Receive updates and FREE information to your email box on a weekly basis to help you further develop your business, 

Wednesday, 9 April 2003

Why Should I Refinance My Vehicle at a Credit Union?

Are you drowning in high payments with a high-interest rate car loan that you simply can't afford? Were you one of those car shoppers that smelled the new interior, gawked at all the gadgets, took a test drive and just wanted to hit the road in your new car no matter what the cost or the finance rate? Like many others in your shoes, after the initial excitement wore off you realized the interest rate was higher than you expected, and now it's squeezing your budget.

You might want to think about refinancing your vehicle. Refinancing could save you money if you qualify for a better rate. And, at a credit union you may benefit from more flexible repayment terms and certainly more personalized customer service.

How Does Refinancing Work?

The process is similar to refinancing your home - only much simpler. Just like a home refinance, you're using a loan from another lender to pay off an existing loan, and doing so at a much more affordable interest rate. The point of refinancing is to get a better deal. A lower interest rate could result in hundreds of dollars in savings while a longer term may make paying off the debt easier on your budget.

When Does Refinancing Your Vehicle Make Sense?

If you didn't get the best interest rate available the first time. Perhaps you were in a big rush to buy your vehicle and you didn't shop around first for the best rates with local lenders. Credit Unions in particular are known for offering favorable interest rates on auto loans to their members.

An auto refinance can be useful for those people who are saddled with high interest rate loans due to a poor credit score, lack of a credit history, or unemployment. As long as you haven't missed any payments, it's worth seeing if you can grab a more attractive rate this time around.

If your financial situation has changed since you initially got your loan it may make sense to refinance your car. If your credit score has improved, even by just 50 points, that improvement can earn you a lower interest rate.

Maybe you have discovered a mistake on your credit report that cost you a better rate. If that mistake has been corrected it may be a good time to refinance your vehicle. You can check for credit report errors on AnnualCreditReport.

If you have only one or two years left on your car loan, it might not make sense to refinance into a new loan with a longer term. But if your objective is to reduce your monthly payments, a refinance may be the way to go.
Why Refinance Through A Credit Union?

Because credit unions are not-for-profit they work exclusively for their member's benefit and often offer unique loan programs that might not be available from a traditional bank.

Lower Interest Rates: At a credit union earnings are passed back to their members in the form of lower rates and fees. According to the National Credit Union Administration the average car loan from a credit union was 2.61% lower than the average bank.

Flexible repayment terms: Many credit unions offer financing up to 100% of the vehicle's value and provide numerous repayment options.

Loan Protection Products: You can usually buy GAP coverage from the auto dealer. If you purchase that insurance from your credit union you can usually save hundreds of dollars for this useful protection.

Skip-A-Pay: Credit Unions allow their members to skip a loan payment now and then if they are facing a financial crisis. You can forget about asking a car dealer for that type of special treatment.
What's better than a lower rate and a lower monthly car payment?

Because the auto refinancing application only takes a few minutes to complete and the entire process isn't burdensome, you have little to lose by trying to get a better deal. So, if you love your vehicle but not your loan it might make sense to refinance your loan with your local credit union.

allU.S. Credit Union ( ) can help you refinance your vehicle. So, If your current auto loan is squeezing your budget and you want to find a better deal, visit allU.S. Credit Union and we can refinance your car with a loan that fits your lifestyle and budget. allU.S. Credit Union, Positively Different!