1/31/07

Top 10 Reasons Your Business Isn't Growing

1. Lack of time. Too busy working IN the business instead of working ON it.

2. Lack of focus. Being pulled in too many directions at once.

3. Lack of support. Spinning your wheels trying to do it all yourself.

4. Lack of creative "space." Too stretched, stressed and overwhelmed to plan, strategize and think creatively.

5. Wasting resources on time and energy-busters. Doing work you hate or don't do well.

6. Focusing on "cheap" instead of cost-effective. Putting cost above value, quality and ROI.

7. Frittering away billable hours. Wasting time--thus money--on administrivia.

8. Not investing in the right support. Hiring flunkies instead of skilled, committed, thinking, creative professionals.

9. Inefficient administrative foundations. Failing to systemize, automate and streamline processes and workflows.

10. Squandering core strengths. Not focusing on business growth, revenue generation and the work you love that energizes you and propels you forward.

So how many of these growth-killers do you have in your business? Not to worry--the good news is that there exists a very easy, convenient solution.

Virtual Assistance is the new way for business owners to get just the help they need without having to hire in-house staff. Virtual Assistants provide those administrative support services that allow you to direct your time, energy and expertise where they are most intelligently focused. Even just a little strategic support can work miracles, and allow you to start running--and growing--your business with more efficiency, productivity and profitability.

Find a qualified, professional Virtual Assistant today at the Virtual Assistance Chamber of Commerce: http://www.virtualassistantnetworking.com/directory/

Why Should Small Businesses Invest In Software

As a business owner, how would you react to the following situation? “I have $5,000. Do I put it in the bank, use it to hire a new person or buy software?” Each option has a cost and business benefits tied to it and your job is to evaluate which suits your business.

Investing in software that increases your business productivity is always a better bet. Most often, it is just a one-time investment and there aren’t significant maintenance costs. If you invest in software that completely automates a particular workflow, you will find your overall business productivity increase automatically by two- or three-fold.

AddressGrabber Business is one such software used by small business owners to improve business productivity. It is a data entry automation tool that eliminates all manual data entry steps involved in typing customer contact details into accounting and shipping applications.

Online businesses typically receive orders electronically via e-mail. To create a new customer record in QuickBooks, simply select the customer contact details and click QuickBooks icon in AddressGrabber toolbar. Since the customer information is entered automatically, you eliminate billing and invoicing errors.

If you want ship to that person, select the shipping address and click FedEx icon in AddressGrabber toolbar. AddressGrabber creates a new shipment record in FedEx. Here, you eliminate shipping errors and shipping delays.

You now gain an unfair advantage by sourcing your data entry work to AddressGrabber Business. It is one of the many cost-effective solutions to increase your productivity. AddressGrabber Business=automation engine,increase in productivity,accurate.

How To Accept Credit Cards

Merchant account providers offers advantages to companies like reduced administrative cost, improved cash flow, quicker access to funds, the image of a modern, innovative company, etc. Consumers also like using credit cards as a form of payment because it is a simpler and safer method, no hassles with cash or delayed payments as with billing. Accepting credit cards can be a big decision for some businesses.

Is Accepting Credit Cards Worth It?

In order to sell your products or services successfully, most businesses should definitely consider looking into accepting credit cards. Accepting credit cards can make it easy for your customers to buy products and pay for services. The more difficult it is for customers to conduct business because credit cards are not accepted, the greater the chance of losing that customer forever! Today consumers demand conveniences. If you are inconveniencing your customers by not accepting credit cards, you might consider that an obvious sign that accepting credit cards will be a smart business decision.

What do you need to accept credit cards?

In order to accept credit cards you will first have to establish a merchant account. The merchant account is an account established with a payment processor for the settlement of credit card transactions. The funds derived from the merchant account will need to be deposited into a checking account belonging to any bank of your choice. The next step in accepting credit cards is to choose a payment processing solution best suited for your business type; these include Real-Time Internet processing, retail swipe terminals, and computer-based processing such as software or Virtual Terminal.

Your credit card processing options:

Real-Time credit card Processing - This is our most popular solution for Internet businesses that accept credit cards. Real-Time credit card processing allows your customer to automatically and securely pay on your site using their credit card. Real-Time processing normally works in conjunction with a secured online order form or a shopping cart. Because the payment gateway encrypts the information prior to sending it out for authorization, secure certificates are not required for Real-Time processing.

Virtual Terminal - This solution is perfect for Mail/Phone Order businesses as well as web sites that process sales using a not Real-Time processing solution. The Virtual Terminal is a secure solution that allows you to accept credit cards using any computer connected to the Internet, anywhere in the world, with no software to install! You simply access the Virtual Terminal and manually enter the credit card information. It also includes access to Real-Time reports.

Retail Virtual Terminal - This includes all the features referenced above with the addition of an electronic card reader. The Retail Virtual Terminal is ideal for any retail business where credit card payments are accepted.

Retail Swipe Terminal/Credit Card Machine - This solution is most desirable for retail/storefront merchants who see their customers face-to-face.

Point-of-Sale Software - With Pc Charge software you can accept credit cards for retail/storefront business with the addition of a card reader. Or, without the card reader it is also a popular solution for Mail/Phone Order businesses. Pc Charge software can communicated using a phone line or a high-speed connection.

After determining what payment solution best fits your needs, an application must be completed. The application/merchant agreement is the contractual agreement between you, the merchant, and the processing bank. The documents can either be emailed or faxed for you to review and sign.

In his 6 years online experience Dencho Denchev understand that accepting credit cards is very important solution for every business. That's why he created a site and help others take a right decision: http://dencho.betterratespro.com/

Who Is Your Mentor?

Having your own business can be an exciting challenge-- busy days filled with your ideas of how things should happen. But do you ever think back to a person who inspired you to go into business? And do you still reach out for that inspiration when things are going well-- and when they are not?

Mentors are an important part of your success toolkit. They are the people who make you believe you really can do it, and who rein you in when you head off in the wrong direction (or too many directions). Some mentors are famous people, some lived centuries ago, some are people from your past and some are a part of your everyday life. You may read their words, have discussions by email or phone, or meet them for coffee every now and then.

Very successful business people always have mentors. The biggest part of this concept is that they weren't afraid to ask for that mentorship. Don't think the CEO of a company in your industry would take the time to mentor you? WRONG! But the first step is to ASK. A "no" is not a personal rejection, it just means you ask the next person on your list. And there is no hard and fast rule that says you can only have one mentor-- perhaps you want one for your business life and another for your personal relationships.

A start-up company will seek the knowledge and experience of someone who has been through the start-up phase and have become successful in your eyes. Who do you know that started their company with themselves or a couple of partners and now has 25 people and millions in sales every year? Their business skills are incredibly valuable to you and they can help you see the road bumps ahead (and maybe avoid a few) and provide the encouragement you need to get past them. Even if their type of business is not the same as yours, there are things to learn, if you are willing to listen.

An established company will seek a person who has been through the growing pains of expansion from a "one person show" to a company with staff and other challenges that never happen to a single person operation. They can help you to that next level of business. This is an incredibly fragile time for most businesses and many don't make it to growth but implode on themselves. Do you have a succession plan? Do you want to expand even larger or do you want to sell the business to go on to another challenge or retire? This takes experience and impartial thinking, all gifts of a mentor.

Go to that place in your mind and find that person who inspires you. Then reach out to them so you can celebrate your wins and move on from your losses. It will be the best thing to happen to your business-- and you!

Catherine Christensen is a full-time business woman in Calgary, Canada. She operates a real estate staging business called Designs of the World. Recently she began assisting with the organization of events for business people to meet each other and successful role models such as CEOs who built major companies from very small beginnings. She is also involved in Canadian Women in Business which is an organization that provides a forum for like-minded business women to learn and connect.

Article Source: http://EzineArticles.com/?expert=Catherine_Christensen

Talk Versus Action

Talk! Talk! Talk! We are in a business where talk reigns supreme, and the boldest talkers are always at center stage. Claims run rampant about everything from ad responses - to phenomenal product results - to bodacious income projections.

Sometimes this talk sways the uninitiated, and if they fail to seek any type of verification before taking action, they might find that they have based their decisions and plans on pipe dreams and smoke screens.

However, before I leave the impression that talk is always cheap (and therefore frivolous), I need to emphasize the legitimate role of responsible talk in MLM. Responsible talk in our industry accomplishes a number of things:

It speaks public commitments into existence which then create the forum for public accountability that is so helpful to those who need a support structure for continuous production;

It helps people design a time frame for success (i.e., I’m going to lose 20 more pounds before Easter);

It excites and motivates others to think bigger;

It sets a climate for accomplishment in the organization which stimulates others to make commitments;

It intensifies focus for everyone so they can evaluate their goals, large and small.

We consider this type of talk to be positive because it results in benefits like those listed above. However, empty rhetoric, or worse yet, distorted testimonials and promises spoken, but not kept, have damaged our industry tremendously. When people keep talking about the future and how much money they are going to make, you need to come out from under the ether and look at what they’ve consistently done over the past year or years and compare those results to what they are saying.

I used to --- out of ignorance --- stand in front of the room and ask the question, “How many of you would like to make $10,000 a month?” Every hand would go up . . . and that got me excited! I didn’t learn for several years that I was asking the wrong question.

Of course, they all wanted $10,000 or more each month; they just didn’t aspire to the levels of commitment, focus, and keeping of production schedules that were needed to produce such a monetary result.

In those days, I didn’t comprehend those levels myself as my own business was not making $10,000 a month yet. I daresay that if I had known and identified the work habits and time constraints required for a $10,000 monthly result, I would’ve had far fewer “takers.”

I don’t want to discount the importance of “speaking things into existence,” because I do feel that public declaration can go a long way towards helping people get on track and stay on track. Just don’t be misled by unsubstantiated talk. Most of the companies in our industry are bigger on telling you what you can do, particularly in reference to your earning possibilities, than in sharing what others like you have really accomplished. Before you put a lot of time, energy and money into a game plan, check it out carefully to make sure that the speaker has lived what he or she is speaking and that it was indeed successful.

Industry legend Richard Brooke says, “Success comes through you before it comes to you.” By speaking your commitments into existence, you can attract energy to you, which will support your making things happen . . . if you are truthful and focused while honestly sharing both those times when your accomplishments are measuring up and those times when they have fallen short of what you have said.

We must be ethical and honest at all times. Too many distributors will say anything to prospects to get them involved. Check out some of the ads in any papers or letters, and you’ll see what I mean. If it sounds too good to be true, it probably isn’t true. Greed often clouds our judgment about what to believe.

We must be careful that we speak honestly, respecting our prospects and giving them the best that we can offer. We need to distinguish the wide array of benefits and contributions that our MLM opportunity presents. We need to talk about what they, the prospects, want, and we need to focus our speaking, and then our actions, on team efforts.

Only then will talk really become a vehicle for helping dreams come true.

Eileen Silva, Ph.D., N.D. is a metabolic health balancing expert, talk show guest, and lecturer. Dr. Silva is also an individual, group, and corporate weight management consultant. Contact Dr. Silva at http://www.dreileensilva.com

Five Empowering Questions You Really Need To Ask Yourself About Money

Prior to the invention of money, commerce was transacted via the barter system. If we had kept this system it would have been impossible for us to enjoy the lifestyle we have today.

Money is a tool invented in order to enhance the lives of each and every one of us but to ensure it is enhancing your life there are some questions you need to ask yourself.

1. Is money enhancing my life or am I stressing over money?

Remember that the whole purpose of money is to make your life better. If money is a major source of stress for you then you either have to change your relationship with money or you have to change your beliefs about money, or quite likely both.

Once you start seeing money as your friend and not your enemy then it will start to flow into your life.

2. Is money helping me do the things I want to do or am I doing things I don't want to do in order to gain money?

People who become really rich don't do it by doing things that they don't like in order to earn money. They make their money by doing things that they really love and are totally passionate about.

As a result they earn enough money to be able to comfortably do the other, non-earning, things they enjoy in life.

On the other hand, people who are not rich are generally earning money from a job that they don't like very much, if at all. They are certainly not following their passion.

What about you? How are you earning your money? Does your system sound more like the rich person's system or the broke person's system?

3. Is money helping me enjoy my relationships (spouse, family, friends) or are my money-making activities or money-worries putting stress on my relationships?

Money, if used properly, can really enhance your relationships. Being in a strong financial position can give you the freedom to spend more time with those you love and the cash flow to enjoy the things that you really love to do together.

4. Am I controlling the money in my life or is money controlling me?

The self made rich know exactly where their money is going because they have made a conscious decision as to where and how they spend. Broke people usually have no idea where their money is going. They have never sat down and worked out a system to keep track of it and they have never taken the time and discipline to decide exactly how they should be using the money they have.

More money doesn't solve poor money management, it just makes matters worse. Remember the old saying that if you learn to manage the pennies the dollars will manage themselves.

5. Is money working for me or am I working for money?

Good money managers make a decision to invest a certain percentage of whatever they earn and they give priority to that investing.

Bad money managers spend money first and, if they think about saving or investing at all, they plan to save or invest what is left. Of course if spending is your first priority there will never be any money left. In fact you will probably spend next month's earnings as well by going into debt.

People who become rich only go into debt in order to create more profit long term. People who stay broke go into debt to buy the latest and greatest gimmick, fashion or toy, usually to impress their so called friends.

How did you go with the five questions?

If there are some areas you need to improve on then why not start today?

James Delrojo would like to help you by giving you his ebook "Unleash the Success Power of Your Mind" (valued at $27) completely FREE. Go to http://www.YourSuccessMind.com

1/30/07

How Heavy is Regret?

"We suffer from one of two things. Either the pain of discipline or the pain of regret. Discipline weighs ounces and regret weighs tons." -Jim Rohn

Sometimes that hardest thing is to follow through with our resolutions. We may start out setting well-intentioned goals and soon we find ourselves back in the same old patterns. It's certainly much easier to stay in your comfort zone than to step out of the box and change certain behaviors.

Most of us are so busy that we don't even know when we would find the time to make these necessary but dreaded changes. After all, we work so hard, that it's pleasure we seek, not more work. The irony of it is; if you take the time and make the effort now to achieve what you want, ultimately it is pleasure that you will experience.

On the other hand, if you hold onto the limiting belief, that change takes to much effort, then guess what, you will continue to live with behaviors that will only keep you stuck right where you are today. And, instead of experiencing increased wealth, health, love, etc., you're pleasure seeking mission of staying the same and not upsetting the apple cart, will guarantee you looking back one day with regrets.

If there is something in life that you are not experiencing and you would really like to, then the only way to get yourself from here to there is to take some kind of action. Even if you start small, by doing something everyday to reach your intended goal, it will eventually snowball into actions that result in experiencing the pleasures you desire.

Discipline is nothing more than making a decision and sticking with it. If you want something bad enough, keep the end result in mind and keep moving in the direction of where you want to go. If you happen to fall off the wagon, just get back on it. By doing something each day that will bring you closer to your goals, you will strengthen your patterns, until eventually they become a habit.

By starting something and not following through, it reinforces the old and familiar, it keeps you stuck in a rut and six months or a year down the road, you'll wish you had taken the steps to achieve what you wanted. But, since you didn't, you're now faced with deciding once again if you will make the commitment to yourself to do what it takes to get what you want or just learn to be happy with the way things are.

Isn't better to push through the pain of creating a new habit and suffer for a little while--rather than a lifetime?

All of our choices come with consequences. You already know what the consequence is to stay the same, now you have to weigh if it's worth making the effort to make a change and live the life you've always desired. It's your choice!

Source: articlestree

The Hidden Perils Of Discount Online Stock Trading

If it sounds too good to be true, it probably is Unfortunately, that tired old cliche` applies to an alarming number of discount online stock trading brokerage operations not only in the US, but throughout the trading world.

Don`t get me wrong. It`s not that these discount online stock trading brokers are all bad. Quite the contrary. In fact, there are as many discount online stock trading brokers in America today as there are dollar stores! Furthermore, most of them provide an excellent service. TD Ameritrade and eTrade are two fine examples of this.

However, it`s not the service provided by these discount online stock trading brokers that is being called into question; it`s the raft of hidden fees and charges that are causing the real problems.

For example, while ethical market players like TD Ameritrade charge you just US$9.99 per trade on a minimum US$2,000 account, with no monthly fees to pay, many other online brokers will charge you up to 100% or more for the same service! Some of them will even sting you for a penalty fee if your monthly account balance falls below a prescribed minimum levelor if you don`t make a certain number of trades each month!

So, what`s the message here, fellow online traders?

READ THE FINE PRINT BEFORE YOU START!

How else can you check the credentials of a discount online stock trading broker?

At Investing Online, you`ll find a comprehensive online resource centre created by the North American Securities Administrators Association.

Initially launched in 1999, this superb resource centre was established for the sole purpose of aiding the individual online investor through a combination of education and training. They`ll teach you everything from: how to set up an online account; how to lodge a complaint with the Online Complaint Centre; how to check out your online broker or advisor; how to determine the real cost of day trading; how to obtain the best online stock trading resources on the web; how to avoid getting burned by fraudulent online brokers; how to spot the hype; how to obtain independent ratings and rankings of online brokerage firmsthrough to helping you understand how a margin account works!

It doesn`t stop there, either. For those of you who are really new to discount online stock trading, you`ll even be able to take an online tour through Investing Online`s investing simulator and trust me, it`s well worth the experience, and no, it`s not a downloadable demo it`s quite different from anything you`ve seen before.

These guys REALLY know their stuff, and you owe it to yourself to go check out their site. Honestly, it could end up saving you a lot of heartache and a lot of hard earned cash, later on.

How do you avoid discount online stock trading scams?

Good question! Since 2002, the SEC has announced action taken in almost 50 internet related stock trading scams and they openly admit that that figure is just the tip of the ice berg!

Be warned!

Be especially wary of unsolicited email and message boards talking up the price of a stock. Don`t pay any attention to hype of this nature as you can bet your bottom dollar that it`s most likely the latest scam artist looking to 'relieve` you of your money!

Is discount online stock trading really worth the risk?

Absolutely! It`s a wonderfully enjoyable, cost efficient means of generating big stock trading profits as long as you keep your eyes open, do your homework and get to know who you`re dealing with BEFORE funding your account.

Source: articlestree

5 Tips For Drop Dead Praise

People blossom on praise. Though all of us need praise to help make us feel great about ourselves, you can't praise people arbitrarily: Praise should be reserved for endeavors worthy of singular acknowledgment. So, how do you deal with folks who rarely do anything rather praiseworthy?

My pal Minnie faced this situation in her team of clerks at work. Several lazy clerks had the outlook that, as long as they fulfilled their quotas, they were okay. Praising them for hitting quotas only toughened their belief that nothing more was expected of them. Censure of their failure to exceed the quota was met with the response "I'm simply doing my job."

Minnie decided to try positive reinforcement. She gave one of the operators an extraordinary project for which no production quota had been set. When the duty was completed, Minnie praised the employee's fine work. She pursued this practice with novel assignments and ultimately enjoyed the opportunity to earnestly praise each of the clerks.

Now, while praise can motivate people in a twinkling, it doesn't always work. Some manager praise every trifling activity, diminishing the value of praise for real accomplishments. Others sprinkle praise in such a way that it appears fake. To make your praise more meaningful, follow these tips:

1. Never overdo it. Praise is saccharine. Rockcandy is sweet, too, but the more you gorge, the less tasty each piece becomes, and you may get a tummy upset. Liberal praise reduces the benefit that's derived from each bite of praise; if it's overcooked, it loses its value forever.

2. Always be earnest. You can't fake sincerity. You must really believe that what you are praising your associate for is actually admirable. If you don't trust it yourself, neither will your colleague.

3. Follow the rule of specificity. Rather than smile, "Great work!" it's much better to say, "The task you accomplished on the XXX project enabled me to recognize more clearly the complexities of the issue."

4. Solicit for your colleague's advice. Nothing can be more flattering than to be asked for advice about how to ease a problem. This approach can backfire nonetheless, if you don't heed the advice. If you have to rebuff advice, ask people questions about their deficient proposals until they see the error of their ways and reissue sound advice.

5. Always publicize praise. Just as a chastise should always be doled in private, praising should be trumpeted (whenever possible) in public. Sometimes the theme for which praise is given is a private matter, but it's more often suitable to let your entire group in on the praise. If other colleagues are conscious of the praise you give a subordinate, it urges them to work for similar recognition.

Article source: abcarticledirectory