Photoshop CC 2019 – Full Tutorial for Beginners

Photoshop for beginners.

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Pinterest Marketing Tutorial 2019 – Pinterest Marketing 101 Strategy Course To Grow Your Followers

Pinterest pins are 100 times more spreadable than a tweet, with the retweet average hitting only 1.4%. And, as for Facebook, the half-life of a pin is 1,6000x longer than a Facebook post

And that’s for good reason. If an increase of 27% in Pinterest accounts of Fortune 500 companies over the last year (including Exxon Mobile, Wal-Mart, and Apple) isn’t an indication that your business should be joining the 250 million total users,

Contents From these Videos are oriniginally created by Surfside PPC

Whatever is discussed in the Video does not represent Virtual Kings.

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Introduction to Linkedin

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Link Linkedin No Brainer Prospecting – How to Get Clients Using Linkedin

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How to Create a Linkedin Profile

How To Build A LinkedIn Profile in 2019 – GREAT LinkedIn Profile Example

Professor Heather Austin nailed everything you need to do to create a perfect profile. By following her instructions there’s no way prospect clients will ignore your proposal.

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Linkedin No Brainer Prospecting – How to get clients using Linkedin

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Stress and Anxiety Management for Business Owners

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You can be interesting, difficult and sometimes stressful as your own boss. You will feel mentally tired, stressed, anxious, or depressing for long hours, unpredictable cash flow, substantial changes in your sector and accountability for the staff. This in turn could affect your company capacity and affect your family, friends, staff, vendors and clients interactions.

You should observe a few changes building up. Paying attention to your mental health is very important so you deffinitely need support and help from the people around you. You should listen to feedbacks and comment from the people close to you.

Your business, employees and customers need you. Having a good mental health is important. Don’t be afraid to ask help.

Stress and anxiety are already attacking you when you are experiencing the following:

man wearing white top using MacBook

• Having difficulty concentrating or making decisions
• Incapable of understanding small issues
• You get angry easily
• Even on your own personal time, you keep on thinking about your work
• You don’t want to get out of bed
• Having difficulty finishing your daily tasks
• You spend less time with family and friends
• smoking and drinking alcohol excessively

Stress and Anxiety

Conditions of stress and anxiety can be diagnosed only by a medical specialist. Anxiety is not merely anxiety or anxiety. If you are under a pressure, however, it can be a sign of something more severe if such feelments do not occur for a apparent reason or proceed after the stressful event is over. The earlier you try to support the faster you will be on the way to recovery, the more effective treatments for angst and depression are accessible.

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Here are the things you need to do to avoid Stress and Anxiety

  1. Priotity your sleep, exercise and healthy eating
  2. Choose a new exciting hobby that involves your community
  3. Yoga
  4. Focus on solutions not with the problem
  5. Follow break schedules and enjoy your family time every weekend
  6. Schedule and use calendar with your tasks, finish only what you can
  7. Don’t bring your work at home
  8. Business emails, text and calls should be off after office hours
  9. Join a business group or community for support
  10. It’s okay to say no

Good mental health is a state of well-being in which everyone realizes their potential, can deal with the ordinary pressure of life and operate productively and successfully, can contribute to their society.

Facebook Ads for beginners

Facebook ads are paid messages from businesses that are written in their voice and help reach the people who matter most to them. Advertisers create campaigns that have specific goals, which we call advertising objectives and they create ads within those campaigns to help them reach those objectives.

For example, a business may create a campaign because they want to get more people to visit their website. When they create ads within that campaign, they’ll choose images, text and an audience that they think will help them get that increase in visitors. Learn more about how Facebook ads work and how they differ from boosting a post.

To learn more about Facebook Ads, here’s Facebook beginner Guide.

How to Target your Market Effectively

Given the present economic condition, it is more essential than ever to have a well-defined target market. Nobody can allow anyone to aim. By targeting a niche market, small companies can compete efficiently with big businesses.
Additional help: How to Launch your Business using Social Media

Many companies say they are targeting “anybody interested in my services.” Some say they are targeting small-scale business owners or mothers who live at home. All these objectives are too general.
Additional help: How to Have a Successful Business

Targeting a particular market does not imply that individuals do not meet your requirements are being excluded. Instead, the target marketing means that you can concentrate on a particular markets that are more likely to purchase your marketing dollars and brand message than any other market. This is a way to reach prospective customers and create company that’s much cheaper, efficient and effective.

For instance, an interior design company in Baton Rouge, Louisiana could market owners between the ages of 35 and 65 with revenue up to $150,000. The business can only focus on people who are interested in kitchen and bath renovation and traditional styles if it is to further describe the market. This market could be divided into two niches: the children’s boots

It is much simpler to determine where and how to market your business with a obviously specified target audience. Here are some tips for your target market to assist you define.

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Identify and analyze your existing customers

Who are your existing clients, and why are they buying from you? Find prevalent features and interests. Who is the company with the most? Others such as them are very likely to profit from your product / service as well.

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Analyze your competition

Who are the targets of your rivals? Who are your clients today? Do not follow this same market. Do not follow the same market. You can discover an overlooking niche market.

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Products and Services

Enter a list of each product or service feature. List the advantages it delivers (and the advantages of each function). A graphic designer, for instance, provides high quality design services. The advantage is that the business picture is professional. More clients will be attracted by a professional picture as they see this business as professional and credible. The advantage of high-quality design is thus eventually that it makes more clients and more money.

Once your advantages have been listed, create your benefit fulfilling list of individuals who need it. For example, a graphic designer may choose to target companies that want to improve their customer base. Although this is always too general, you can now begin with a basis.

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Detailed Targeting

Identify not only who needs your product or service, but also who will purchase it most probably. Please consider the following:

•Location
•Gender
•Age

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Consider your target’s psychographics.

•Personality
•Values
•Attitude
•Lifestyle
•Interests

Determine how your product or service fits the lifestyle of your goal. How and when will the item be used by your goal? What are the most attractive characteristics for your goal? Which media is your goal for data? Does the aim of your journal read, search online or participate in certain activities?

If you find this article helpful, we highly suggest that you leave a comment about your thoughts. This article might also help you with your Business and Entrepreneurship career: The Millionaire Mindset

How to Handle a Dumb Boss

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One time in your corporate career, there is always a moment when you ask yourself, “I wonder how in the world the company ever promoted my stupid boos into this job.” Due to a combination of not well thought of business decision and too much trust in people’s potemtial, an organization often end up with a stupid boss in charge.

Handling a stupid boss requires a lot of good people skill sets. Here are some helpful tips and ways in dealing with a stupid boss.

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I. Use intelligence to combat unintelligence

Once your stupid boss fell that you are smarter than them, they will feel little bit threatened and will try to sabotage you. That is why it is important to prove to them that you are a lot smarter and that you are out of their league. This way, they will feel frightened to mess with you.

Don’t have second thoughts in using any opportunity to prove that you are way smarter than anyone, especially your boss. Use intricate reasoning and big words when talking to them, and act like it’s natural for you.

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II. Explain yourself using complex logic

The big issue wuth a stupid boss is they often take dumb decisions and asks you to implement them. When this happens, say you’ll do it according to what they want and then later do it according to your will.

And when your boss asks you why you disobeyed them, explain yourself using logic and big words that are above them. Say for example: “I was backtracking my steps on the appending of account numbers on the ICM stream and realized a divergent approach with this process would emphasize the project’s collateral benefits for both our company and our partner site in terms of PCI and other security risks.” Then watch them stare at you blankly. They don’t want to look stupid even if they don’t have any idea on what you just said, they will not acknowledge this. Vanity is common to stupid people. Most of the time, they will just say, “Ok, next time, do things like I tell you to”. Then just repeat the same process next time.

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III. Understand their feelings

Because a stupid boss can not follow complicated logic, often it is best to push their emotional buttons to impact their choices. Do not bother to attempt to convince them of arguments when you suggest to carry out a certain project.

Tell them something like this, instead: “I went to speak about this project to Tim (the boss of your boss) and he believes that it’s a great idea.” it’s essential to please your boss to Tim, that’s all you have to persuade them to.

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IV. Use plain and simple logic, and perfect choice of words.

If you really feel the need to persuade a dumb boss to use logic, facts and arguments, then strip them off before using them. It reflects the malevolence and abilities of good people. Imagine speaking to a caveman who does not know the great phrases and sophisticated logic: “This… line; this… circle.”

Simplicity is when you try to convince a dumb boss. Try anything and you’re going to lose them. Then you will only hear about them: “I don’t find your arguments convincing enough” (translation: “I don’t have no indication of what you are talking about”).

Last but not least, keep in mind that no matter how good your people’s ability to cope with a dumb boss is, it’s always better to cope with a smart one instead. Thus, if it is often time to trick your boss with your higher brain power, perhaps it is time to find another job.😅 😅 😅

How to Endure Negativity from Anyone

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Negative behavior can be quite a downer. Once upon a time, I had a colleague with daily adverse energy. In our discussions she would never cease to complain about everything she could think about–job, family, friends, health. She also was highly cynical of others, often doubting and severely judging their intentions. To say the least, to talk to her was not an enjoyable experience.

I felt totally drained the first time we had a conference. Even if we were speaking for only 30 minutes, after our discussion I hardly had any power remaining. It felt like someone literally sucked my life away and it took me a few hours to wear off the impacts. The next few times we talked about the same thing. I soon found out that I had to develop an action plan to tackle this type of adverse energy. After all, in my life she wasn’t going to be the only adverse guy I met.

I created a number of important strategies to deal efficiently with adverse individuals. They worked wonderful things in my own lives and Marc and myself are using them to help hundreds of weekly coaching and course students. I hope that in them, too, you will discover value …

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1. Set boundaries and apply them.

It is difficult to cope with individuals who are adverse and fail to concentrate on alternatives. You want individuals to join your pampered group 24/7 so you can feel more comfortable. And it may be because you do not wish to be regarded as insane or rude that you feel forced to listen to their complaints, but it is a fine line between listening and getting drawn into the adverse emotional drama.

By setting boundaries and distancing yourself where necessary, you can prevent this tragedy. Please think this: would you like to sit next to them all day inhaling the second-hand smoke, if a adverse individual were cigarettes smokers? No, you wouldn’t–you wouldn’t get away. So go ahead and take a breath when you have to.

Another excellent way to establish limitations is to ask a adverse individual how they are trying to resolve the issue that they complain of when distancing themselves in the short run. They will often either rest or redirect the discussion, at least momentarily, in a more harmonious direction.

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2. Do not just respond – be mindful of the situation

A response is a warm, thoughtless emotional explosion in the minute that is generally driven by your ego (as human beings, when we are unconnected to our logical mind), we are most likely to respond. It could only take a split second before your intuition starts, offering you some outlook, or it could take over to the extent you act on it. If after coping with a person you feel upset or flush

In short, you don’t react by throwing insults at anyone with a adverse attitude. Maintain your dignity and don’t fall to their levels. True power is courageous enough for your head to wander away from the senselessness.

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3. Choose a positive topic

The adverse approaches of some people are driven by certain apparently harmless subjects. For instance, when we speak about his work, one of my colleagues becomes a highly toxic self-victimizer. Regardless of what I say, she is going to complain of everything about her work and when I attempt to intercept favorable remarks, she rolls with more negativity right over them. This obviously becomes quite a damping discussion.

If the individual you speak to is stuck in a subject which brings you down, you may be aware of their adverse feelings too profoundly rooted to tackle in an unanimous discussion. If you are in a comparable discussion. Your best bet is to bring a fresh subject to the mood. Simple things like funny memories, friendships, private stories of achievement and other sorts of things

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4. Provide positive resolutions and avoid discussing negative issues.

Where and how your attention is focused determines your mental state. You generate and prolong negatives and stress when you zero in on the challenges you are facing. You generate a feeling of self-efficency that produces beneficial feelings and decreases stress by shifting your focus on actions that can enhance your conditions.

The same precise rule applies to adverse individuals–it only intensificates your pain to determine how stressful and hard they are by empowering them. Stop thinking about how troubled this individual is, and instead concentrate on how you will deal positively with their behaviour. This makes your driver’s seat more efficient and more efficient.

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5. Keep an emotional separation from the views of others.

To keep stress at distance, maintaining a degree of emotional separation is essential. It is essential for your emotional health and happiness that negative people (or anyone else in this regard) do not put the weight of their insufficiency on your back. It all depends on your appreciation and therefore your faith in yourself.

People who efficiently handle their life are usually people who operate inside–i.e. people who understand that achievement and goodness come from inside (interior control locus). Negative people usually work externally, i.e. blame for anything that happens or doesn’t (internal control locus).

If the views of others are based on your sense of satisfaction and self-worth, you are no longer in control of your happiness. Know that. Know that. When individuals are emotionally powerful, they do not take away the inappropriate views or spiteful comments of anyone. They feel great about something they have accomplished.

Truth be told, you’re never as good as everyone says when you win, and you’re never as terrible as they tell you when you lose.  The important thing is what you’ve learned, and what you’re doing with it.

We cannot control everyone’s emotions but we can change the situation on how we respond. Have you also experienced this kind of situations? Leave a comment below and share us your experience.

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5 Trends in 2019 on Social Media

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The days are now gone when companies can treat social networks as a background or an additional marketing channel. Social media platforms today provide a company with an opportunity to show its value and to strengthen its voice consistently. Social networking is the perfect platform for customers to ask questions, give certificates and make air complaints. No company may ignore the importance of its presence in social media because it affects how people perceive its brand.

So what can you do to promote the success of your brand in 2019 via social media?

1. Personal branding is increasingly important for business branding

Setting a real human face to a brand name helps to build loyalty, especially in small businesses. A brand that is more related and has the human aspect naturally gains more trust, and trust is crucial to establishing relationships.

One way to humanize a brand is to encourage a company owner’s personal brand or a senior manager. This tactic has been used by many institutions through guest blogging, podcast, webinars and other publicity activities. This has become a key feature of many organisations. By helping your audiences learn about the character and expertise of company leadership, a company can build its reputation for its brand.

2. Long-form content to impact SEO

Word counts are not only the prominent impact of an article on the search engine results pages. However, SEO experts are in agreement that long-form content can provide an edge for you.

Although a high quality article with 1,600 words probably outranks an article with 500 words of a high-quality value, Google does not penalize blog posts if it fails to attain a certain amount of word count threshold. This is why I believe we see more publishers who require guest authors to submit articles with at least 1000 words or more.

I think we’re going to see more blogs that include long-form content and include them in their strategies for content. Thus, companies that have found no SEO traction in short articles could want to “go a long way” and add more comprehensive articles, rich with information and insight, both to attract readers and to give Google a more favorable reason to classify them.

3. Acceleration of personalized marketing

The pressure is stronger, as more companies dig into their data and use it to develop customized marketing campaigns that target the interests of people at different points in their purchaser journey.

Customers expect brands to customize special offers and discounts for their wishes and requirements. More enterprises need to think about targeted social media advertising and re-targeting campaigns in order to meet that expectation.

As the demand for individualized content increases, I expect that social platforms will continue to refine their targeting offers.

4. Promotion of video as the preferred content form

Live streaming continues to be a powerful way for people to participate in social media. Two thirds of all internet traffic in 2017 were streaming video, according to statistics compiled by Go-Globe. By 2020, video content is estimated to be 82% of internet traffic.

I see the prominence of the video closely linked with the first trend I mentioned–the influence of personal branding on the brand. Video enables an enterprise to face the company. It allows prospects and clients to know who is leading and operating in a company. Video provides companies with a chance not only to show what they are doing but also “who” they are.

5. “Pay to play” — the path to increased exposure

With the decreasing organic reach of business content, most businesses will need to invest in sponsored posts, boosted posts, and social media ads if they are to remain top of their minds.

Fortunately, publicity in the social media must not break the bank; a small sum of money can take a long way.

The only trend you can rely on year by year is for companies to change their approach to social media, to some extent, so that they can gain greater awareness and increase customer commitment.

The trend is that following them will not guarantee success — I advocate taking social media trends into account but evaluate them carefully and make sure you are always consistent with your brand and business efforts before leaping into your bandwagon before incorporating them in your marketing strategy.

8 Ways to Effectively Prioritize the Things on Your To-Do List

Priorities are important things — I know, you know that. But many of us are guilty of the habit of reacting on — and off — our to – do list to the urgent things, rather than responding to the important ones.

Important activities should be of high priority as they are the things that contribute most to our goals. They have more long-term impact and should help us to achieve our goals as much as possible. Usually, urgent activities are more of a short-term nature and may or may not relate to our overall goals and usually do not make significant contributions. Instead, they make endless demands on our time by pressing us every day.

Between the urgent and the important there is a constant tension. And because today’s important things rarely need to be done — and the urgent thing almost always needs to be done — there is a critical need to learn how to set proper priorities so that our visions, goals, and desires can be better met.

Do not prioritize on the basis of who gave you the work ; fit it for the big picture on the basis of its importance and urgency. Most people don’t take the time to prioritize this time. They are usually reactive, so try to be proactive in a concerted effort.

How much time can you gain by changing your habits — by prioritizing them more effectively? Here are eight tips you can apply to daily tasks:

1. Create lists

Focusing and multitasking help with priority notes and lists.

2. Set your daily planning priorities.

To make room for productive items, eliminate or minimize unproductive to – do items from your daily list.

3. Learn when your high-energy time is.

When you have the most energy gains minutes through more effective work, schedule your priority work.

4. Sort emails early in the day.

And quickly appropriate categorization of each piece — now, future, trash. Because each piece is addressed only once, you’re gaining time all day long.

5. Simplified email request.

Request that people send you priority emails with clear bullet points, not long narratives, to spell out the actions you need. Set the example by sending only effective, bullet – pointed emails.

6. Write down your goals before returning phone calls.

To gain time by communicating more quickly and effectively.

7. Make your reading a priority.

By learning newsletters, articles and books from the skim industry. Then just read what gives you real value.

8. Create and follow a written agenda for each meeting.

By learning newsletters, articles and books from the skim industry. Then just read what gives you real value.

10 Tips to Achieve Anything You Want in Life

1. Focus on commitment, not motivation.

How committed to your goal are you? How important is it for you, and what are you willing to sacrifice to achieve it? If you find yourself fully committed, there will be motivation.

• Here’s how to focus on commitment.

2. Seek knowledge, not results.

Focusing on the excitement of discovery, improvement, exploration, and experimentation will always fuel your motivation. If you focus solely on results, your motivation will be like the weather, the minute you hit a storm it will die. Focusing on the journey is the key, not the destination. Continue to think about what you are learning along the way and what you can improve.

• Here’s how to seek knowledge.

3. Make the journey fun.

It’s a great game! The minute you make it serious, there’s a big chance it’s going to start carrying a heavy emotional weight and you’re going to lose perspective and get stuck again.

• Here’s how to get rid of stagnating thoughts.

4. Get rid of stagnating thoughts.

Thoughts influence feelings and feelings to determine how you view your work. You have a lot of thoughts in your head, and you always have a choice of which ones to focus on: those that will make you emotionally stuck (fears, doubts) or those that will move you forward (excitement, experimenting, trying new things, stepping out of your comfort zone).

• Here’s how to get rid of stagnating thoughts.

5. Use your imagination.

After getting rid of negative thoughts, the next step is to use your imagination. You are full of positive energy when things go well, and you need to be even more energetic when you are experiencing difficulties. Rename your situation. If you keep repeating I hate my work, what feelings will those words evoke? It’s an imagination matter! At the most boring job, you can always find something to learn from even the worst boss in the world. I have a great exercise for you: think and say only positive things for three days. See what’s going on.

• Here’s how to use your imagination.

6. Stop being nice to yourself.

Motivation means action and results are achieved through action. Your actions sometimes fail to deliver the results you want. So you’d rather be nice to yourself and not be in a difficult situation. You are waiting for the perfect timing, a chance, while you are driving into stagnation and sometimes even depression. Get out there, challenge yourself, even if you’re afraid, do something you want to do.

• Here’s how to stop being nice to yourself.

7. Get rid of distractions.

There will always be meaningless things and distractions in your way, especially those simple, usual things you prefer to do instead of focusing on new challenging and meaningful projects. Learn to focus on the most important thing. Write a list of time-wasters and be responsible for not doing them.

• Here’s how to get rid of distractions.

8. Don’t rely on others.

You should never expect others, not even your partner, friend or boss, to do it for you. All of them are busy with their own needs. No one is going to make you happy or attain your goals. Everything’s on you.

• Here’s how to not rely on others.

9. Plan.

Know the three steps you have taken. You don’t have to have more. Complete your weekly calendar, and note when and how you are going to do what. It’s important to plan when – what – how. Review how you learned every day and review what you could do to improve.

• Here’s how to plan.

10. Protect yourself from burnout.

When you’re very motivated, it’s easy to burn out. Watch to recognize any signs of fatigue and take time to rest. When you schedule relaxation and fun time in your weekly calendar, your body and mind will rest. Do a variety of tasks, keep switching between creative and logical things, physical and still things, working alone and with a team. Places to switch. Meditate, or just breathe deeply, close your eyes, or focus for five minutes on one thing.

• Here’s how to protect yourself from burnout.

Not because you’re lazy or you don’t have a goal, you lack motivation. Sometimes even the biggest stars, the richest entrepreneurs or the most accomplished athletes get lost. The curiosity about how much better or faster they can get is what makes them motivated. So be curious first and foremost, and that will lead you to your goals and success.

Top 10 Hidden Secrets of a Millionaire Mindset

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We see many key differences when we look at the behaviors and attitudes of those financially successful and those who fight to build fortune.

However, there is a psychological characteristic that is shared by the rich and the poor. That’s what the self-serving partiality is called.

The self-serving distortion is any perceptive distortion that an individual has so that he can see himself in a positive light. That’s what we often see when we look at people who come from riches and seem to blindly attribute their success to their talents –some call it the silver spoon effect. It is incredibly frustrating to see these people show no signs of humility for those of us who don’t have such an excitement in life.

This self-serving prejudice goes in both directions. Most people looking at other people’s lives under-estimate their success and overestimate the value of talent, work ethics and thinking. We tend to consider other people’s failings as character defects rather than bad luck.

So what are we able to learn from that?

Well, while luck is a factor, it’s completely out of our control, so the only area we should focus on is our thinking. It can make us much more likely to earn this kind of money if we can take a millionaire attitude.

Well-off people are often going to tell you: everything is about mindset. And the truth is, yes, most of it is mentality.

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So here is a millionaire’s 10 hidden secrets …

1.Millionaires trust their unconscious minds.

The mind is erratic and untrustworthy. It changes its position on things constantly, raised objections and doubts which prevent clear and concise decision-making. The millionaire attitude requires us to rely on more than what we feel at the present time, something that goes beyond our fears and concerns. Others may say that they have faith in their unconscious minds to lead them in the right direction at the right time.

2. Millionaires start with absolute clarity.


One thing is to know what you want and another is to know what you want in the smallest detail. Millionaires often have very clear goals and plans to follow up until they reach their destination. We see the same thinking frequently in hyper-successful athletes who speak for years about their success visualizing it. You must define exactly what you want and know the experience intimately before it enters into existence if you want to have an idea of growth and abundance.

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3. Millionaires know their greatest asset is attention.

The average person is wasteful of time each day for hours and hours. Social media, TV, video games on phone, smoking cigarettes, and a list of things continues. The millionaire knows their attention is precious and does not waste it on activities that offer nothing. All they do is concentrated on their goal.

4. Millionaires never lose sight of their target.

It is important that you always keep your goal ahead of you in order not to waste any attention on trivial pursuits. One way to do this is to create a life in which people with similar goals are around you. You can also ensure that you celebrate the small wins constantly so you know exactly what you do.

5. Millionaires distort their money relationship.

This is what the millionaire mindset is most unusual. Most people never consider themselves to be unconscious about their inability to make money. We have had conditions for believing in the Hollywood version of the wealthy villain, so we believe that wealth gain means acting in a way which puts our moral integrity in question. You can make money and still help people, whether you’re a good person doesn’t relate to your bank account. Make sure you don’t have a conflicting money relationship and don’t have any moral doubts.

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6. Millionaires decide on things that have meaning in their lives.

You must decide that money is a precious asset for your life. You’ll never focus to pull up and go hunting for wealth–there are simply too many opinions when you listen to what everyone else says you care. You will be driven to success by your mind if you decide what is in your life and do not follow the herd.

7. Millionaires give better than they take.

It can be counter intuitive, but the millionaire attitude is more than necessary. You must be social in order to gain wealth and be successful in your relationships. Look always for something else, and you’re going to find something in return.

8. Millionaires are aware of their drive.

People may make a lot of money if their emotions are negative; anger, greed, insecurity. But that never will bring you the accomplishment you expect. If you are driven by a need to serve others, then money brings a sense of satisfaction. Know you’ve got the right motivations to get rich.

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9. Millionaires do not so personally take stuff.

Another aspect of millionaire thinking is that they do not personally take things. It’s hard to remain grounded and coherent in our actions when we look at our ups and downs as reflections of our self-worth. The wealthy see failure as a chance for growth. There are thousands of factors that control their achievements and failures. Take all the lessons you come to, not celebrate too long victories or ruminate about defaults.

10. Millionaires are risk-takers.

Everyone knows this, but how often do we see it in our own lives? You have to take risks if you want to succeed. It’s no other way around. If you want to be rewarded, you have to take chances. Consider that we will not be so scared of taking risks if we are able to take our failings as opportunities for growth!

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Conclusion

These ten hidden secrets show you the psychology of people who can generate great wealth. While this framework is not going to be adopted overnight, constant reflection results in changes in beliefs that cause changes in behavior. The creation of wealth is closer than you believe, requires knowledge, bravery and diligence.

4 Ways to Be More Positive

three men and one woman laughing during daytime

Do you think you’ve got to be a tortured soul — at la van Gogh, Kurt Cobain, or Sylvia Plath — to be really creative?

You are not. Indeed, the more cheerful you are, the more imaginative and innovative you are to be. Alice Isen, Ph.D., late pioneer of scientific psychology, found that a positive “affect” (what researchers call a mood expression) facilitates flexible thinking and problem-solving, both of which are vital to the creative process. A happy state of mind, more than sulking, primes your brain for creative thinking.

A happy state of mind primes your brain for creative thinking, more than sulking does.

In one study conducted by Teresa Amabile, Ph.D., a Harvard Business School professor and research director and author of The Progress Principle: Using Small Wins to Ignite Joy, Engagement, and Creativity at Work, professionals working on innovative projects filed daily entries about the highs and lows of each day. After five months, Amabile and her team analyzed the nearly 12,000 entries and found that on the days when their moods were more positive, participants were more likely to think creative.

“Positive emotions loosen the thinking patterns of people, leading them to think broader and more extensively, creating unusual connections between ideas,” says Amabile. She says that these new connections can immediately lead to a creative thought, or they can incubate for a while and later result in ingenuity.

1. Take a deep breath.

If you’re upset or stressed out, you need to relax before you can feel really positive. “The relaxation response resets your central nervous system after stress,” says Christine Carter, Ph.D., University of California senior fellow, Berkeley’s Greater Good Science Center and author of The Sweet Spot: How to Find Your Groove at Work and Home. Carter recommends taking a few moments to get comfortable and breathe deeply, emphasizing your exhale.

2. Try a happy habit or two.

Find ways to boost your mood once you have reset. Some proven strategies: Identify five things for which you are grateful or ask a favorite colleague to go for a walk. “Even though you’re an introvert, the low-hanging fruit of mental well-being is social interaction,” Carter says. Your creativity will follow once your positivity is on the upswing.

3. Play hooky.

Moments of extreme happiness are big-time creativity boosters, the ones that make you wonder at life. So if you’re stuck in an office or working on a project at home, you’re hoping to be innovative and fresh, you might want to plan a break. Go for a walk. Bathe in the ocean. Visit an exhibit of art. If it is inspiring, it’s not procrastinating, Carter says. “Think of your playtime as providing data for your creativity,” she suggests, to eliminate any I should be working guilt.

4. Don’t reject your dark side.

It’s not natural to be implacably chipper. While a sunnier overall arrangement leads to originality, darker moods are also part of the process. “Denying and avoiding your negative feelings creates the worst thing for creativity, emotional numbness,” says Carter. Studies have shown that after adversity and struggle some people’s creativity is blossoming, but only if they work to make their feelings meaningful. Carter suggests journaling your experiences, or talking to a friend.

10 Convenient ways of improving yourself

Are you constantly trying to improve and improve yourself? If you do, we’ve got something in common.

Personal growth I’m very passionate about. It was only four years ago that I discovered my passion to grow and help others grow. I was 22 at that time and in my last university year. I realized that there was nothing more meaningful than pursuing a life of development and improvement as I thought about the meaning of life. We get the most out of life by improving ourselves.

The more I grow, the more I realize I don’t know so much out there that I must learn.

Whenever we feel good we can be better still.

I constantly seek ways of improving myself as a passionate advocate for growth. I have compiled 42 of my best tips that could be useful on your journey of personal growth. Some of these are easy steps you can take straight away. Some are major steps that are made to act consciously. They’re here: Choose a new hobby.

1.Choose a new hobby.

man standing carrying surfboard near seashore during daytime

In addition to your usual favorite hobbies, are you able to pick up something new? You can learn any new sport?

Fencing, golf, climbing, football, canoeing or ice skating, among other things.

You can also make your new hobby a leisure hobby. For example pottery, Italian cuisine, dance, wine appreciation, web design, etc.

You can teach something new, physically, mentally or emotionally in different respects. Take a new direction.

2. Take a new direction.

clear glass terrariums

Are you able to join any new course? Courses are an excellent way to gain new skills and knowledge.

There is no need for long – term training – seminars or workshops are also intended.

I was in a few workshops and they helped me get new insights that I hadn’t thought about before.

3. Make a room that is inspiring.

brown wooden table near painting mounted on wall

The mood and the tone set for you in your environment. You’ll be inspired every day if you live in an inspiring environment.

I did n’t like my room in the past, because I thought it was chaotic and stupid. I decided that this was the end a few years ago. I started a project “Mega Room Revamp” and redeveloped my room.

The final outcome? A room in which I am totally happy and inspire me every day to be at my height.

4. Take your fears over.

man climbing wall with harness

We’re all afraid. Fear of uncertainty, fear of public speech, fear of risk… all of our fears keep us uniform and prevent our growth.

Recognize that the areas you can grow in reflect your fear. I always consider fears to be the growth compass.

If I’m afraid of something, it is something I still have to deal with, and addressing it helps me to develop.

5. Have a practice routine on a weekly basis.

woman stretching legs and arms on black yoga mat

Better you start to be physically better. I myself make the point of jogging at least three times a week, each time at least 30 minutes.

You may want to blend it with jogging, fitness lessons and variety swimming.

6.Write your future person a letter.

person holding ballpoint pen writing on notebook

What do you think 5 years later? Are you going to be identical? Other? Other? What type of person are you going to be?

Write a letter for your future–it will be a good start for 1 year from now–and seal it.

Make a date of 1 year from now on in your calendar. Then begin to work to the person you want the letter to open.

7. Put a challenge to somebody.

two women crawling on mud with rope

Concurrence is one of the best ways to increase. Set yourself a challenge (weight loss, practice, financial challenges, etc.) and rival a interested friend to see who reaches the goal first.

During the process, you will both gain more than you would if you set goals on your own.

8.Request feedback.

man wearing white and black plaid button-up sports shirt pointing the silver MacBook

We will always have blind spots as much as we try to improve. Requesting feedback gives us a further prospect.

Certain people will be friends, relatives, colleagues, boss and even families because they have no preset prejudice and can objectively provide their feedback.

9.Recognize your shortcomings.

eyeglasses with gray frames on the top of notebook

It’s all flaws. The main thing is to understand, recognize and address them. What are your flaws, do you think?

What are the shortcomings on which you now can work? How would you like to deal with them?

10. Engage in your personal development.

man standing near cliff looking at body of water during daytime

I can write list articles 10 ways, 25 ways, 42 ways, or even 1,000 ways to get better, but it doesn’t matter what I write if you don’t want to commit to your personal growth.

It’s not going to get through anything. For our personal growth, we are responsible— nobody else. Your dad, me or Lifehack, not your mother or friend.

Decide on your personal growth and embrace a lifetime journey of growth and change. Start your growth by selecting and working on some of the steps above.

The results might not be immediate, but I promise you that you will see positive changes in yourself and in your lives as long as you do this.

5 Entrepreneurial Success Key Attitudes

In every business venture no contractor succeeds. At least once, if not twice, each successful entrepreneur fails. However, how entrepreneurs learn from and use their failures is important, because it is all about entrepreneurship.
Five key attitudes are conquered by every entrepreneur to run a successful business.

BRAVENESS

person standing on wooden bridge

Like everybody else, entrepreneurs feel fear. They are afraid that a well – conceived idea will not succeed or fearful that it can not be implemented.

However, you can’t define these fears of failure. You’re courageous. Their failure teaches them. You use your fear not to push yourself harder to work and to try to fix the mistakes that might have led you to fail.

Many entrepreneurs have to try to build a successful enterprise several times. It is courage that leads them to succeed.

PASSIONATE

man holding smartphone looking at productivity wall decor

Businessmen should be passionate about their ideas, their goals and their enterprises, of course. That is why they do what they do. This passion.

Some entrepreneurs love the adventure and enthusiasm of creating something new and once founded, they lose interest and move forward.

Other entrepreneurs have a passion for the product they build or their sense of achievement, because they know that they help others, help animals, or help the planet.

Whatever drives a person to achieve success lies in his / her passion, and that passion for entrepreneurship is essential.

FLEXIBLENESS

smiling man reading book while holding mug

Contractors are in reverse. On any journey, there are obstacles to overcome.

Not everybody deals well with change or deception. But entrepreneurs need flexible thinking so that they can change a course which appears to be heading for failure.

Flexible entrepreneurs should know that they may have to change the way they have set themselves in order to achieve their goal successfully or maybe even tweak the goal.

HONESTY

man facing a woman

Enterprises must demonstrate that they are genuine and honest to others. No matter what type of business you expect to set up, employees, vendors, customers and investors need to have confidence in you. It can’t be done — entrepreneurs must have confidence and confidence must be earned.

When a distrustworthy person is in charge, the best business idea in the world is likely to fail. Suppliers must be aware that payments will arrive on time for products they have shipped.

Customers must be aware that anything they have ordered for the product or service is delivered according to promise. Fellow Members must know that they are an important part of the success of the company. Investors must be aware that the company can grow.

Attitude is all in business life.

ETHIC TRANSFATE

woman using computer

From the ground up, it is not easy to become a successful owner. A new enterprise will take lots of hours of hard work, frustration, creativity and supervision.

How could you expect success if you’re not prepared to get up and work hard every day, probably seven days a week? No successful enterprise is established fast, easily or without conflict.

Companies do not work 9 – 5 days as standard and do not register 40 hour weeks of work. They work – build new ideas, create new products, design new processes, hire clever and talented people. they are always working.

Entrepreneurs constantly look forward and motivate themselves.


7 Effective Social Media Marketing Plan Steps

Person Holding Iphone Showing Social Networks Folder

Social media for companies of all dimensions is a vital marketing channel. A few years ago, the common question, “Why should our company use social media?” Now is replaced by “how can social media marketing help our business to grow?”.

This makes me very excited as a social media marketer. What doesn’t inspire me is how many businesses still try without a documented strategy to market in social media. In this article, you will learn how seven steps your company needs to take to create an effective marketing strategy for social media.

Step 1: Audit your social presence today

Person Writing on White Book

Take a quick look at the location before you strategize where you are going. Some areas for auditing the presence of your company in social media are:

  • What networks do you currently operate?
  • You are optimized on your networks (photo and photo cover, bio, URL, etc.).
  • Which networks give you the most value at present
  • How do you compare your profiles to those of your competitors?

Step 2: Who is the ideal client

Two Man and Two Woman Standing on Green Grass Field

With this section you would like to be as specific as possible. For instance, if your target market was identified as parents it would be all right. However, you will have much more success if you identify your optimal client as a parent living in the United States, are 30-50 years of age, earn more than 70,000 dollars, mainly use Facebook and have an interest in outdoor activities.

If they market to the wrong audience, even the best marketers will fail. Reply to the questions below to help you find a highly focused buyer:

  • Age
  • Place of interest
  • Title of Job
  • Revenues
  • Pain points (which can be solved by your business)
  • The Social Network most used

Step 3: Declaration on Social Media

Four People Holding Mobile Phones

Your statement about your social media mission will drive your future activities, so make sure that you think about it. This statement shows exactly to what you plan to use your presence in social media and should reflect the identity of your brand. Beware of your ideal customer when you try to make this declaration.

An example of this could be: ‘ use social media to educate current and potential customers on digital marketing, with an emphasis on social media marketing. ‘ Once this statement is documented, you can decide what to share and create. It will make this statement simple.

If your mission statement doesn’t align with it, please forget. Corporations that randomly post without a leading task will fail. Experts and not generalists are followed.

Step 4: Key success metrics to identify

Person Typing on Laptop Computer Near Mug on Glass Table

How do you determine whether your efforts to market social media are successful? I don’t talk about just gaining more supporters; I’m talking about gaining cash. After all, spending time and money on something that does not improve the result is difficult to rationalize.

Some measurement metrics are:

  • Rate of conversion
  • Achievement
  • Website time spent
  • Feeling
  • Mentions of Brand
  • Comprehensive shares

Step 5: Content Creation and Curation

Person Holding Black and Orange Typewriter

Unfortunately, many companies jump directly to this step. Hopefully, this post has shown that you have to take several vital steps to create and curate engaging content for your social media channels.

Now let’s talk about the fun part of posting to social media. You know who your ideal customer is and used it to produce your mission statement on social media. It should be easy to start creating and curating content with this information. So, exactly what is the content considered? Here are some examples of content that you can create:

  • Pictures
  • Videos
  • Posts Blog
  • News from Company
  • Graphics for information
  • E – Books
  • Answers to interviews

Step 6: Invest in a tool for managing Social Media

White Paper With People Diagram Print

Most marketers have a secret, leveraging tools to boost their productivity. Okay, perhaps it’s no secret, but marketers would have to cope with constant burnout without tools (sometimes even with tools). With social networks, you can easily scale your efforts by having a tool to manage social media.

The ability to schedule posts in advance is one of the main benefits of a social media management tool. Remember that you created the content calendar? Make sure you align your scheduled posts with your content calendar in your social media management tool.

Step 7: Tracking, Analysis, and Optimization

Flat View Photography of Four Persons Sitting Facing Laptop on Desk

This could be the biggest step in terms of social media success. Even the best marketers in social media rely on testing and error. It may seem fundamental, but it’s important to keep track of your results, analyze the data and then optimize them.

After having the time to analyze the results of your marketing efforts, each previous step must be re-assessed. Allow your data to drive. If it tells you that your most efficient channel is Facebook or Twitter, consider doubling.

A great strategy of social media is never stonewalled. It is an ongoing work which changes when required. So, get out of there, develop a strategy and optimize it as your business and your audience grow and know more about you.

Stay in a Digital World

It makes you step back and think and eventually realize that those who  follow us will be born into a purely digital society where eBooks and augmented reality have gone from exotic to everyday.
Thinking about what this means in the future is intriguing, but it’s equally interesting right here and now in 2013. Technology, software and the devices we use, have of course shaped our social and human behavior on a number of levels, from shopping, to leisure, to business. Lives are lived online, and the opportunity to have a live feed into the minds of those you care about is becoming a clearer reality. People are more willing to share and consume horizontally through their social networks, rather than vertically. The organic spread of ideas, relationships, and trade can now be observed and measured on scales of unprecedented detail.

people using smartphones

Humanizing business communications online

There is no doubt that as more and more businesses advertise, show and deliver online communications, they have had to adapt to a world of highly concentrated digital consumption. This, however, can provide opportunities through and alongside their digital marketing to show human connection. An online retailer, for example, can still bring visible human aspects to their business. They can:

1. Show the people within the business on their website people pages and social channels, e.g. LinkedIn profile page and Facebook.

2. Personalize your twitter with a unique or a range of social media staff administrators, giving a personal tone to the messages and responses provided.

3. Ensure that sales and support emails come from employee addresses and use appropriate signatures to show real people behind the aspect of customer service and gain confidence.

4. Deliver video and audio content, including staff, and connect to the audience in real terms and improve the personality of the brand.

5. Personalize marketing emails on the basis of preferences, both through whom they are addresses.


In the case of Twitter, a number of companies place images on their background image of their help team to show people what they look like.
It is a small move, but it is effective in demonstrating that there are people there who will engage with you, irrespective of the query. A high street retailer with an “inevitable” online presence can also humanize the digital experience of their consumer and at the same time complement the real experience in store by:

1. Promoting online special offers and promotions, but only available in store to drive footfall and human interaction.

2. Building online knowledge among employees to help deliver personal sales and consumer loyalty.

3. Use social media to help inform consumers about products, local teams and staff.

4. Have real employees actively engaged in online customer service and social media contexts.

5. Ensure that telephone numbers are clearly promoted online and customized to ensure more voice contact where possible.

I think we all know, out of necessity, the inevitability of an increased trend towards more digital consumption and communication, but that doesn’t mean we need to be any less human. It’s about equilibrium. We must continue to act, sound and appear human even online and I hope that the norm isn’t that we get lazy and devalue personal contact by default over a more convenient digital equivalent or alternative.

woman wearing black and grey jacket holding glass cup while drinking near body of water during daytime
How To Humanize Starbucks

I often refer to Starbucks as an outstanding brand that appears to be making all the right moves in terms of their digital brand strategy and in terms of humanizing their experience, they are actually doing the following very well.

1. Promote online a wide variety of special promotions in cafés.

2. They have a very personal and responsive presence on social media led by fans, not the brand.

3. They have a strong global presence, but they have great local content and activity online.

4. Starbucks on mobile for the benefit of the café.

5. Humanizing and content that is socially engaging and accessible.


A great example of this last point is in the “Join Us” section on the.co.uk website. The content on this page helps paint a picture of an inclusive, social and people -centric brand built on community. This is what their product and experience stands for yet here it is simply using social media and technology as the delivery mechanism. This avoids many of the big mistakes many brands make, by adopting technology and digital platforms, yet they have no brand supporting or strengthening content strategies.

For more social reasons, Google Glass and its competitors are another example worth noting. This product due to its launch in 2014 has the potential for us to be more human from the perspective of being able to consume our digital media consumption while interacting normally-connected to the real world. An argument to this, however, is that we can disconnect from the re as users of the product.

Related to this discussion from the perspective of social media is a really good Q&A worth checking out with Nicholas Christakis from the TED series, entitled: “Our modern, connected lives.” It’s interesting because it raises many points about our influence and behavior driven by our modern connected online social experiences. It is a well-balanced series of responses from a real world vs digital perspective to issues of friendship, social influence and even online.



group of people tapping hands

In Conclusion One thing is for sure, digital media has the potential to dehumanize our lives as we live our lives online, interacting with devices rather than with individuals. We do know that as inevitable as this is, from how it can help us connect instantly on a global scale with people, we can take positive steps. We can also be encouraged by brands ‘ activities providing people with digital content and engagement strategies that are centric and accessible, initiating and motivating personal and brand contact on a regular basis.

Social Media Marketing Training

Tips to attract your business to the right influencers

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The demand for influencers who have the necessary credentials to support your brand and make a real difference to your marketing continues to increase, but the most influential bloggers, vloggers and celebrities are often over – subscribed with invitations to publish products online.

You need to stand out from the crowd and attract their attention to secure the influencers you really want – in other words, you need to market your product to the people you want to help advertise your brand.

Quality

Quality is the key to effective marketing of influencers. This applies to your brand, product and even your partner influencers. Not only does your brand need to look attractive and unique, it also needs to meet expectations. A substandard product or one that does not correspond to the description will not be viewed favorably by anyone, while a top-quality product, which not only meets expectations but exceeds them, is likely to have your selected influencers in the future looking for more of your products.

Company reputation

If you are well known as a company, it is always easier to establish relationships with an influencer. The endorsement of a large-name brand gives the influencer valuable exposure and also raises its profile, so that both parties benefit. If you are not well known and want to establish yourself, you must use other means to attract the attention of adequately influential employers.

It is a good start to be able to demonstrate the integrity of your company – for example, to show that you have investors who believe in your company and that you have created a company that builds a good reputation, even if it is in its infancy.

Security

It is also a good idea to be able to show that customer data are protected by safe and secure systems. There are so many stories about data that even the biggest names in the business have stolen or lost. Data security is now a major concern for all consumers, including those who influence it. Influencers do not want to be associated with a company that is not secure, and it would be most unwelcome to hear about security breaches in a company they have endorsed.

By using an IT support service to manage your internal IT, you can ensure the security of your system, and the best way to protect your website is to use a managed hosting service such as Onyx, which takes care of all your security and provides a higher level of security than you could if you managed your website.

The same marketing tactics as selling to your target market are used to sell yourself to an influencer:

  • Finding suitable people
  • Know what they want
  • Provide them with a product that meets their needs
  • Show them why they should use your product

The more high-profile an influencer you can find to promote your brand, the more sales and exposure you gain, so it is good to invest time and effort to attract the right people to promote your products. This research is key to finding influencers of quality rather than accounts that just buy and like followers.

“Activate your followers, collect them not just like stamps.”

Why are small companies benefiting from social media marketing?

You constantly seek new ways to get the brand of your company onto the the roster of potential customers. If you don’t, it’s a great way to engage and attract new customers using social media in business. In fact, small social media marketing strategies have an advantage compared to large companies. Why does it happen?

The effectiveness of social media leads to participation. If a company doesn’t engage in social media marketing, it will probably not succeed. Interacting in social media with consumers is a key marketing strategy for  small enterprises. 

The use of social media helps you to increase awareness of your brand and client base, as well as to connect with existing clients. In fact, one study showed that over 90 percent of marketers say that their businesses care about social media. 82 percent of participants in the survey worked in companies with less than 100 employees.

Small business owners can easily market through social media as long as you post actively on social media pages. Some of the common social media websites are Facebook, Twitter, Instagram, and LinkedIn. Set a schedule to contact your followers regularly in order to make effective use of social media for your company.

Advantages of social media marketing for small companies

The success of social media does not depend on the number of people a company has. Rather, it relies on the commitment of customers. These are several reasons why small enterprises can have more social media success than big enterprises:

1. Small companies are community focused and individual

There are several differences, such as the legal structure, the number of  employees and revenues, between small and big companies. But companies nitty-gritty aspects are not the only differences between large and small ones. 

Small companies tend to focus more on communities and individuals. Many small businesses decide to participate heavily in their communities, which leads to customer connections. It also benefits from connecting and sometimes partnering with other local businesses in the chamber of trade within their community.

Small companies can connect with their customers online when using social media. Small companies are more likely than larger companies to respond to their customers. As a small company, you can deal easily with the flow of customer comments, to ensure that you respond quickly.

For people to talk about products or services, social media is a great way. To increase customer participation, customers must post photos with the product of the company on social media. And welcome consumer reviews, questions, comments and concerns. You can easily build connections with people on social media, as a small business owner. Current and potential clients will have greater respect and appreciation for a company that responds promptly.

2. Low-cost advertising

While you can pay for certain advertising functions, such as on Facebook, social media is free of charge. You can target these ads to reach people within a certain range of your company. This means you will not end up paying out of your local customer base for publicity. Set a budget and choose your audience to start advertising on Facebook. Instead of spending thousands of dollars on social media marketing across the country, small enterprises have only to concentrate on their location. Social media is an excellent publicity tool without any additional characteristics. You can update your supporters on offers, sales, new products or even information related to the industry. Photos will also help clients see what they are offering.

You advertise to your existing customers through social media. However, by getting your brand out, you can also advertise potential customers. Your current customers are also great brand ambassadors. Small corporate owners usually know their customers themselves and share their social media experiences more naturally. Current customers can post on your products or services, raise their brand’s radars and attract new people to your business.

3. Joint Marketing in Social Media

Many small companies can work together on strategies for social media marketing. As a small business owner, you may work in your niche with neighboring small companies (not competitors).

You can post on your twitter, for instance, that if customers buy you and vice versa, they can get a discount coupon from another small business. Or, join in a social media gift or contest with a neighboring company. Winners may receive a prize which covers both companies ‘ products. On the websites of your social media, you can even showcase promotions for your neighboring business. You can build brand awareness together with other small businesses. You can take the radar of prospective customers and encourage people to purchase from both companies.

4. Personalized Care

Everything is about personalization for small companies. Some of them have a good shopping experience for small companies. A survey found that 53 percent of consumers want to go shopping in small enterprises because they want personalized service.

You can take the time to connect with individuals when customers are at the company. You can tell where your products originate, how long you have been in your business and how inspired you to start your business.

Individual attention is not only applied to consumers who are in your company. Small companies in social media can give customers more than scripted answers.

A large company selling all over the country has no time to give each customer a personalized response. On the other hand, a small company can write a real response to the situation of the customer directly. Small businesses have the benefit of social media marketing through this direct connection between consumers and brands.

5. Small companies can piggyback big ads

Some large companies organize events that small businesses can use in their marketing strategies for social media.

In the Philippines, for instance, Bazaars are all year round. Since consumers recognize that event, it is easier for small enterprises to take advantage of social media. Big companies could spend huge sums of cash on advertising, while small companies can benefit by posting that your company will participate.

Top 6 Painful Business Mistakes to Avoid

Are you a new entrepreneur? If so, be prepared for all manner of challenges and obstacles you might encounter. The competition may be tough, funds may be lacking, costumers may be difficult, or even your own employees may give a headache. However, the most painful problems you will probably face are those which you have caused yourself, as result of a late decision or even poorly timed actions.

Mistakes will always be a part of your life; it is what makes you human. However, you can learn from others’ mistakes so that you don’t have to experience them. All you need to do is to equip yourself with wisdom from peers and plan ahead to deal with some of the most painful mistakes entrepreneurs make.

Agree or disagree, but below are six most painful mistakes that entrepreneurs committed throughout their whole career and how they successfully got around them.

Note: The numbers do not necessarily mean that one is more important that the other.

1. Blindly following advice

Newbie entrepreneurs do this almost all the time. Poor advice can come from a friend who owns business in another field or even a professional.

Yes, it is important to get professional advice, but it’s also more important to be more objective about it and always put your business in perspective. You see, what worked for him may not necessarily work for you as well

2. Right goals were not set

Another mistake that even veteran business make is not setting the correct goals.

As a principle, you always need to have two sets of goals – short-term or long-term.

A short-term goal means something you want to achieve at the soonest possible time. What do you want to achieve today, this week, this month, or maybe even this year? Do you want to make sales? Do you want to have talented employees? Do you want to have loyal costumers?

A long-term goal means something you want to achieve in the future. These goals are not possible within a week or in a year. These goals take a really long time to achieve. These could be getting on the front page of google, growing your social media following, or increasing your brand recognition and awareness.

Another principle that you need to learn is that you have to do your best that your short-term and long-term complement and leads up to each other. When you get this wrong, you will be wasting time thinking and not doing anything productive for your business.

3. Bias towards your own product

Naturally, you will fall in love with your product when you it. You deceive yourself in thinking that it’s the best in the market.

Well, that isn’t necessarily wrong, and it great for your ego and confidence. It’s also very important to look for things that could be done to make your product best as it can be.

At the same time, you should not also be seduced in the beauty of perfection.

You should look for a healthy balance in these aspects if you want to have a successful career as an entrepreneur.

4. Reluctance to spend on marketing

I find it surprising how marketing is often not being prioritized with new entrepreneurs. Unbelievable.

THIS IS HOW YOU GET MORE SALES!

Especially if you are new, always set aside some funds on marketing.

You may not a have marketing budget because you can’t figure out the ROI.

This can be solved if you begin with proper monitoring and reporting. Knowing your costumers makes it easy acquire new ones.

5. Failing to delegate your work

You will have a lot less headache if you and a lot more successful business if you learn to delegate.

You may be tempted to the little things like designing your own logo, doing your own accounting, it’s really a bad idea.

Even if you are excellent at it, you have to ascertain how to maximize the use of your time and energy.

6. Spending too much on things you don’t need

Until your company has a consistent track record of profits, it pays to be conservative in your expenses.

Avoid having fancy equipment, web hosting, software costs, office space that your business doesn’t need.

Avoid taking on debt, as well. Be wary on business credit card debt.


So these are the Top 6 Painful Business Mistakes to Avoid. Do you agree with these? Have you experienced the pain of making these mistakes? Did I miss a mistake that others made? Feel free to share your thoughts in the comment section below.

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How to Improve the Quality of Your Life – Tips

Would you like to improve your life quality? You want to do that, I’m sure. You can immediately improve the quality of your life.

In fact, you can begin seeing results immediately.

It counts even to do little things, like:

-Go to sleep in the evening before.

-Wake up in the morning earlier.

-Reduce your time before the television.

These measures would enable you to spend more time and less time in the morning before you go to work.

Currently, money can improve your quality of life and you might find a more worthwhile job on your list. Many other things you can do, such as better health, relationships and peace of mind, to improve your life.

The first step is to look at your life and find out what you can do to improve your quality of life right now. The point is that you just can’t want to change your life positively.

You must decide on improvements in the quality of your life and then follow and follow your decisions.

Many people make resolutions, but they are not. It’s not enough just to decide whether and how to improve your life. You have to take action and follow your decision.

Most people have no inner strength to follow their decisions, and this causes disappointment and frustration. To make a decision, you need willpower and self- discipline and you need to keep track of irrelevant activities and not waste time and energy.

Power and autonomy aren’t so hard to develop. In fact, it can be fun and very gratifying to develop them, and you don’t have to be tough on it as you can think.

Below are a few tips that I hope will be of interest to you.

1.Discover what you can do to improve your life and think about it. These could be simple things, such a journey everyday, going to the fitness center or eating healthy food.

2. Read the self-enhancing books. Read books about themes that motivate and inspire you.

3.Write your findings and choices down on your smartphone or use a mobile app.

4. Read what you wrote every now and then, when you’ve got time.

5. Think, read books and articles, learn what to do and what to avoid to improve your food habits.

6.Find out how you want to change habits and start changing them. They’re not going to change on their own. You must take the first step, and it’s not as hard as you may think.

7. It might be harder the next step. You will have to do what you have found to improve your eating habits.

8.Visualization is an excellent tool to enhance your quality of life. Make it a custom to visualize your life as you like. Find the time to think about another and better life once in a while. Make mental pictures as real as you can and feel as though what you want is true and real.

9.The kind of life you want to live is repeatedly claimed.

10. Take any kind of meditation courses. It helps you calmer and happier and relieves stress and tension. Here you can try the techniques of meditation.

11.Enjoy your body many times. Training helps you lose weight, shapes your body and makes you stronger and more confident.

12. Do your best for yourself and others to be kind, patient, tolerant and loving. They will also treat you in the same way when you show friendship, patience, tolerance and love for others.

13.Less time to watch TV. Please use this time to read, practice your body, learn a new skill or language or do anything useful. You will be more happy and satisfied at the end of the day.

14.Clean or do anything else you need to do and you’ve never put it off in your drawers, garage or garden.

15.Choose the bright side of life to be happy and look. You will have to work day after day and do not give up if you were negative all your life. You like everyone else deserve happiness, and you will need to change your attitude if you think otherwise.

16. 16. In everything you do, try to be more resolute and confident.

Keep your eyes and mind always open and always find ideas and chances to enhance the quality of your life. Make yourself used to reading many articles on this site to help you improve and improve your quality of life. You will be provided with guidance, advice and ideas.

Business Tips for a Successful Startup

First time you start a business and worry about failure? Give your new company the best chance of success with these top business tips, the best advice I have gathered for over a decade of business experience

First time you start a business and worry about failure? Give your new company the best chance of success with these top business tips, the best advice I have gathered for over a decade of business experience

BUSINESS TIPS

woman standing on metal bridge

1.) Start a business while you are still employed

How much time can the majority live without money? Just a short while. And your new business can make any real profit a long time before. When you start up a business, being employed means money in your pocket during the startup process. Don’t work right now or can’t keep up with your job? Read how you can reach the company

photo of woman beside another woman at seashore

2.) Do it with someone you trust

When you start a business (and then), you need a support system. It is invaluable to have a family member or friend that can bounce ideas and listen sympathetically to the latest start-up crisis. Still better, find a mentor or to apply for a start-up program like Futurpreneur Canada if you qualify. The best support system of all is when you start business guidance.

two women sitting on brown floor inside white room beside glass windows pointing upwards photo

3.) Create a business plan

When you think of starting a business, the main reason for doing a business plan first is that it can help prevent you from sinking your time to start a business that is not successful. See why a business plan is needed for other good reasons.) Remember, for each new business idea you come up with, you do not have to work through a comprehensive business plan; ask the five questions to find out if your business ideas are worthwhile.

sticky notes

4.) Research

You will write an enterprise plan for a lot of research, but it’s just a start. You have to become a specialist in your industry, products, and services when you start a business if you’re not yet. Before you start your business, joining industry related or professional associations is a great idea.

flatlay photography of calculator between stack of banknote and click pen

5.) Create a budget plan

If you’ve got to save up. Potential investment approach and lenders approach. Figure out our plan for your financial downturn. Don’t expect a business to start and then go to a bank to get money. Traditional lenders don’t like new ideas, and without proven track records they don’t like business. Look at 5 creative ways of raising your business money and options like crowdfunding.

four mugs of latte arts

6.) Do it with passion

You don’t have to love (and probably shouldn’t) anything your business is all about, but you’ve got to be fired. It is important, then, that you really like what you do–whether it’s running fishing charters, creating potteries or providing financial advice–and spending lots of time and effort in starting a business and building it into a successful business. Make it yourself.

group of people sitting near round brown wooden table

7.) Lead Generation

Do not wait until you have officially set off your company because without them your company will not be able to survive. Make the network. Make contacts. Make your contacts. Sell your goods or services or even give them away. Too soon you cannot begin marketing. For tips, see 10 affordable marketplaces for your small business and seven best places for customers.)

person standing near the stairs

8.) Ask help from experts

On the other hand, it does not mean that you have to be an expert on everything simply because you start a business. If you are not an accountant, hire one (or both) if you are not an accountant. If you have to write a contract and you are not a lawyer, hire one. (These tips may be useful) You’re going to waste more time and maybe money, in the long run, to do things yourself.

people standing inside office

9.) Be professional

All about you and your business methods must inform people that you are a serious professional. This means receiving all information, such as business cards, a telephone, and a business email address. Never the less, treat all your employee professionally.

brown wooden gavel

10. ) Secure legal permits, certificates and taxes

After that, unraveling a mess is much harder and costlier. Do you have to register your business? Do you have a GST or PST charge? Do you need worker compensation insurance or payroll taxes? How will your chosen form of corporate ownership affect your income tax? Learn your legal and fiscal responsibilities before starting your business and doing so.

men and women using smartphones

11. ) Utilize and maximize the use of Social Media

Social Media Marketing is the future generation of businesses. Cheap and very easy to do. Social media platforms like Facebook, Instagram, Pinterest, Twitter, Reddit, LinkedIn, etch have millions of users. Unlike Tv and radio ads, it is cheaper and could also be free. Read here for more details: How can social media marketing help your business

woman using laptop while looking at her left side

12.) Hire a Virtual Assistant

Most small business owners and entrepreneurs have considered the question of whether or not to hire additional help. Whether you are just starting out, looking to expand, or simply need to become more organized and efficient, the need to delegate common administrative tasks is a typical problem. Read here for more details: Why do you need to hire a virtual assistant?

Follow these business tips, the start of your new business will be smooth, less stressful process and will take a long way to ensure that you continue to do business.

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How to Increase ROI

Return of investment (ROI) is a term that you often hear in connection with business and finance. The objective (of course) is to maximize the return on the money you spend. The implications of this concept go much deeper when you begin to consider time rather than money as your primary investment. Everything you do is a time investment. When you watch TV you are investing in entertainment. You have made a bad investment and received a poor return for your time when you watch a show that sucks.

Time is more valuable in many ways than money. You will always have the chance to make more money, but once you spend time, it’s gone forever. If you consider time as a commodity and all your actions as investments, it changes the way you make decisions every day.

We spend time in a variety of ways: work, eating, sleeping, exercise, fun, etc. These are all important things. When we invest too much in one area and not enough in another, we create problems. The key is to invest our time in a way that balances each of these areas perfectly and forms a productive and pleasant life.

How to invest our time is a tremendous task. Unlike businesses, there are no reference percentages or spreadsheets. We have experience and intuition to rely on. I’m far from a master, but these are some of the main principles that I use to guide my decision making.

1. Search for Multiple Positives

three people doing fist bombs

An activity with a positive result in more than one area is a multiple positive. This is great for ROI since it multiplies returns and causes fewer losses. I work on this website as one of my many best positive things. It contributes to a small (and steadily rising) stream of revenue and builds abilities that I can use throughout my entire life, such as writing, web design, and networking.

Each person will have different positive effects, the important thing is to find those who work for you. An open source or personal project could be a multifaceted positive for a software developer. It can be just as easy as playing basketball, a fun game that is great exercise too. Areas, where different positive actions intersect, are key to finding multiple positive factors.

2. Avoid Multiple Negatives

man in black T-shirt in grayscale photography

Multiple negatives, except the opposite, are identical with multiple positives. These activities undermine many areas of life. One of my favorite faults is to drink. That hurts me in three ways: the time spent is not productive; drinks are expensive, and it usually destroys the effect of staying late and hungry the next day. This is basically the worst possible scenario if I don’t have a good time.

You must never go out and have a good time, I’m not saying. We need socialization and excitement in order to be happy. My point is that the negative effect of our activities should never be reduced. I try to make that by keeping the amount I drink to a minimum and only go out when I know it’s nice. We are often caught in a bad investment pattern. Over time, the benefits are lost and most of what remains is negative, but we do this on an unusual basis. This can be prevented if our behavior is analyzed regularly. Does this investment still be good or is it time for a change?

3. Utilize the Power of Compunding

selective focus photography of rope lamp

I’m sure everybody understands the compound interest power reading this. You earn interest when you invest money. Then you begin to earn interest on the money you earned. This continues to compound over many years and ultimately leads to a huge amount of money. Time is the same concept. You put yourself in a position if you invest time by working hard when you’re young.

Many people of my age do not understand this, in fact, until just recently, I did not, or at least I did not. The main reason is that we are caught up in childish thinking. As a child, all you have to do is entertain you. You do not have to worry about your time because Mama and Daddy are there and usually happy to take care of you while you are out of trouble. Many young adults are traveling through college right now. Following graduation, we should immediately take on the mentality of the adult (and the responsibility to invest our time). A lot of people don’t get it, and every year they waste trying to extend the college days is an opportunity that can never be replaced.

Many think their time isn’t valuable when they don’t work, so they discard activities that have low investment returns and don’t build for the future. The truth is until you do, no one else will consider your time worthwhile. If you want to acquire the wealth to give your ideal lifestyle the freedom to live, begin to think of every choice as an investment. There’s no meaningless thing.

One mental model that can help you make better decisions is imagining that your life is a corporation and you’re the only employee. If you were the CEO of John Doe Incorporated and were obliged to maximize profit on behalf of investors, what would you make yourself do? You’ll find that this sort of analysis simplifies many decisions and increases return on investment.

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5 Skills Social Media Managers Should Nurture

5 Skills Social Media Managers Should Nurture

 
Content writing

Only 10 years ago the social media manager role was not even a job or a career. It didn’t exist. Facebook was barely a year old and was still just a way for people to connect to other students online. The term social media marketing wasn’t in the lexicon.

Fast forward a decade and every organization must have a social media manager, whether full time or part-time. They need to be like a juggler at a circus and keep a lot of balls up in the air and make them all land safely. It requires skillsets which means managing many moving parts. Technical, analytical, creative with a bit of project management thrown in.

It can mean being always on and keeping tabs on your community. It involves being creative as an artist but also learning to be the “data scientist”. In a digital age, the geeks may indeed inherit the earth.

So here are the skills a social media manager should nurture without much ado:

Visual Skills

Social media managers should develop a flair for conceptualizing and creating eye-catching images for social media posts and blog posts. If anything, visual trumps content in the social space. It’s a known fact that articles with images receive more views than those without. Even Tweets with images receive 18% more clicks over those without them. The same goes for Facebook. In fact, photo posts on Facebook get 120% more engagement over non-photo posts.

Further, quality images are central to platforms such as Pinterest and Instagram.

Customer Service Skills

When most business publications talk about customer service skills, things like “being a people person” tend to take the spotlight.

It’s not that this trait is outright wrong, but it’s so vague and generic that it’s hardly a help to anyone looking to get involved in support positions within a company, and it certainly doesn’t help out entrepreneurs/founders who are looking for the right set of skills when hiring the all-important folks who will be taking care of their customers. 

Content Skills

With more and more social media platforms thronging the social media space, grabbing user attention has become a real challenge that brands need to master by gaining mastery over content.

So, if you are looking to make a career in social media, first find out what sort of content works in different social media channels and then implement them accordingly. Some of the checkpoints you need to be careful about include: No grammar errors. No spelling errors. All in all, you need to have good command over the language.

In short, you need to convey your ideas clearly in writing. For more ideas on social media content, get in touch with top content marketing companies, directly.

Social media space is flooded with all sorts of content. So, it’s not easy for brands to grab the eyeballs of the users’ in the social media space. Meaning, brands really need to think hard in terms of coming up with great content that resonates with the users. Images of cats and dogs might work sometimes, not always. You need to experiment. Provide value. Content, in every sense, should inform, entertain, save money, inspire and more.

Advertising Skills

Advertising is always present, though people may not be aware of it. In today’s world, advertising uses every possible media to get its message through. It does this via television, print (newspapers, magazines, journals etc), radio, press, internet, direct selling, hoardings, mailers, contests, sponsorships, posters, clothes, events, colors, sounds, visuals and even people (endorsements).

The advertising industry is made of companies that advertise, agencies that create the advertisements, media that carry the ads, and a host of people like copy editors, visualizers, brand managers, researchers, creative heads and designers who take it the last mile to the customer or receiver. A company that needs to advertise itself and/or its products hires an advertising agency. The company briefs the agency on the brand, its imagery, the ideas and values behind it, the target segments and so on. The agencies convert the ideas and concepts to create the visuals, text, layouts, and themes to communicate with the user. After approval from the client, the ads go on air, as per the bookings are done by the agency’s media buying unit.

SEO Skills

SEO is now considered a basic skill, not the more technical aspects, but a good solid understanding should be a pre-requisite. Search engine optimization, as well as social media and the ability to write good copy, are considered fundamental skills and have grown increasingly important within the last few years. 

If you take for instance the importance of content marketing efforts within companies, it’s vital for everyone in that company to have an appreciation of all the different skill sets required to make it work. Companies are also much more likely to hire you if you have a broader knowledge, as less and fewer roles require just one specific skill set.

Wrapping Up

While you might not need to be proficient in every single area mentioned above, being good at a few of them would make you a great social media manager and a valuable asset to your company.

The Millionaire Mindset

Mindsets that will help you grow your business

Stepping up from solo-preneur to a successful businessman requires a “Millionaire Mindset”. We always have this dream of being a Millionaire but it requires more skills, knowledge, hard work and mindset. But what if I told you that the wealth that you’ve been dreaming off is already at your fingertips? You, your self alone is the best asset on how to become a millionaire, you only need to learn to become the most effective you. Maximize your potential earnings and realize that your dream of being a millionaire will only happen if you make and take the right actions.

You can even earn more than what you are expecting if you adopt these habits of successful online entrepreneurs

1. Mindset

Successful entrepreneurs are not on top because of luck! They all started from the bottom, the only reason why they are on top is Mindsetting. Entrepreneurs are very optimistic and they know that the best things will happen in the long run. They are determined to succeed despite all the obstacles against them. Their interpretation for “NO” is “Not right now”. They take a different path but still have the same goal.

2. Fearless

Entrepreneurs are fearless when it comes to taking risks. It doesn’t mean that they are blinded by the consequences but their goal is greater than their fear. They know their responsibilities and know how deep they will fall for uncalculated risks but this will not stop them from achieving their goals. When many people are afraid of trying new things or being embarrassed, successful entrepreneurs are researching fearful situations. They plan and develop game plans then jump into taking advantage of the opportunities.

3. Time Management

Successful entrepreneurs have awesome time management skills. They know that they will be productive if they plan and schedule ahead of time. They know how to immediately respond to their customers. Every entrepreneur starts with small-scale business and they know how to schedule responsibilities like marketing, accounting functions, operation works, promotions, and outsourcing for raw materials. They schedule their time wisely and which includes lots of phone calls prospecting, servicing customers, and performing day to day tasks. Every minute counts.

4. Use technological Tools.

Successful entrepreneurs are always updated when it comes to technology trends. They always take advantage of technology trends to achieve full business potentials like Social Media, Blogs, SEO, Virtual Assistants, Computers, Gadgets, Softwares and so much more. Successful entrepreneurs use all the tools of the trade.

5. Continues Learning

Successful entrepreneurs never stop learning. They are always open for opportunities to learn more and more each day. The world today is changing rapidly each day. Entrepreneurs never stop studying business trends, marketing, advertisement, lead generation, and outsourcing. As the world evolves it opens a lot of opportunities which gives an advantage to entrepreneurs because it is easier now to advertise and market products.

6. Communication Skills

Social media and internet are awesome tools but it is lacking human relationship and interactions. Successful entrepreneurs are masters of face to face communication. They know when to provide and present their products. They prefer physical and face to face interactions rather than emails and phone conversation for new business deals. That’s why you will find successful entrepreneurs attending trade shows, conferences, chamber of commerce meetings and social events. They will initiate a conversation and provide the full advantage of a product before they introduce it as their own business product. Some people are afraid or shy to do presentations or communicate with their prospective clients but successful entrepreneurs will always stand proud to present their products.

7. Resilience

In spite of being hopeful and valiant, fruitful business people realize firsthand that there are times when they will, metaphorically, get thumped down. Individuals will put down their thoughts, and rivals will take their clients or items. Indeed, even relatives may question when the following “payday” is coming.

Notwithstanding when looked with genuine snags, cash hardships, and annihilations, these intrepid business people will skip back. Frequently, this occurs again and again. However, they will in any case furrow forward, steadfast by the difficulties they experience. This never surrender disposition is the thing that really separates business visionaries from the group.

Whenever you are asking why different business people are more fruitful than you, search inside yourself. These characteristics are disciplines that are achievable with an alteration of outlook and frame of mind. When you acknowledge the test of these orders, you’ll see staggering outcomes. Truth be told, you will rapidly observe that you can acquire more when you receive the 7 propensities for fruitful online business people.

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How Retailers can Choose the Best Business Services Provider

How Retailers can Choose the Best Business Services Provider

 
person holding blue card
 


Opening a new business can be a daunting process for any individual. From selecting the right location to securing the inventory, the process involves layers of intricacy that helps in determining the success. Among different aspects of opening a new account, lays another important aspect, i.e., selecting a business service provider. With numerous best online business services to choose from, people get overwhelmed with the options. It is essential to choose the right service provider to avoid any complexity in the future. 

Though the credit card processing industry is difficult to understand initially, the business owners need to research a lot to find the right credit card processor for your business. Since every company charges a different amount for every transaction, your decision can have significant consequences for the success of a business.

Business Services Provider Facts

As the owner of a business, you need the facts on merchant services. Businesses that accept payment from clients via credit or debit card work with a merchant services provider. So what should you expect from your business service provider, and how do you know you have the payment solution that’s right for your business?

  • They allow you to accept credit and debit cards
  • They help you meet and maintain security standards
 

Meeting Security Guidelines of the Payment Card Industry

The PCI Standard is mandated by the card brands and administered by the payment card industry security standards council. The standard was created to increase controls around cardholder data to reduce credit card fraud. Validation of compliance is performed annually, either by an external Qualified Security Assessor or by a firm-specific Internal Security Assessor that creates a Report on Compliance for organizations handling large volumes of transactions, or by Self-Assessment Questionnaire for companies handling smaller volumes. 

The Payment Card Industry Security Standards Council (PCI SSC) was then formed and these companies aligned their individual policies to create the PCI DSS. MasterCard, American Express, Visa, JCB International, and Discover Financial Services established the PCI SSC in September 2006 as an administration/governing entity which mandates the evolution and development of PCI DSS. Independent/private organizations can participate in PCI development after proper registration. Each participating organization joins a particular SIG (Special Interest Group) and contributes to the activities which are mandated by the SIG.

The intentions of each were roughly similar: to create an additional level of protection for card issuers by ensuring that business meets minimum levels of security when they store, process, and transmit cardholder data.

person picking blue card

How to Choose the Best Business Service Provider

Choosing a business service provider can be confusing but with the right information, you can make a wise, informed decision.

  1. Find a provider with a proven track record.
  2. Investigate technical support options.
  3. Make sure the rates are reasonable.
  4. Consider the specific needs of your business.
  5. Make sure that your monthly processing volume is not capped.

Understand what will fit best for your retail business

How do you determine what merchandise is right for your store? How do you know if the vendor you’ve chosen will prove to be beneficial in the long run? What standards have you put in place to judge whether the merchandise you buy will be what customers want?

 

Consumers are no longer solely concerned just with the price point. Purchase decisions are now being made with more factors at play, things such as brand differentiation, reputation, and customer-centric return policies. But it’s hard to read a customer’s mind, and it’s also a challenge for retailers to figure out where they fit when compared with their competition. Especially for retailers just starting out, it may feel like a lot of decisions are made on guesswork or instinct. Market research can remove much of that uncertainty, by helping you understand your industry, your target customer, your competition, and your product. And when you understand all that, your chances of success are a lot greater.

Do your due diligence when choosing a merchant services provider

Thinking innovation is a must. Review the ratings and potentials of your business services provider and see what providers are getting the best reviews from their recent clients. Comprehend the service charges and fees upfront. 
 

Last, you need to get all the service charges and fees on the table to make the best decision for your business

If you are a newly established business, the budget may fall short and a secret fee or two could be a budget-buster. Convey with potential business services provider and guarantee you know the fee structure before signing on the dotted line.
 
grey laptop computer displaying 12:00 on table near coffee cup and eyeglasses

Conclusion

Choosing the best business services provider is really important to your retail business, whether you are managing an online e-commerce store, or opening a small business in your community. If you understand what you’re doing and know how to minimize the risks and challenges, the independence, personal satisfaction and financial rewards you can achieve as an entrepreneur mean that starting a small business could be the best decision you’ll ever make.

What is Budgeting?

Budget is an estimated revenue and expenses over a specified time. It is evaluated and forecasted on a periodic basis. A budget can be made for a person, family, group of people, business, organization, government or anything else that makes and spends money. 

Why is Budgeting Important?

•Budgeting helps you reach your goals
You’ll be able to prioritize the things that are most important to you. This may be finishing college, investing for a business, house, family, etc. 

•Budgeting helps you save money
When you budget your income, you forecast your spending which helps you prioritize the most important payable for the period. It is advised that you deduct your savings first before your payables.

•Budgeting helps you stop overspending
It limits you to spend money on things that are less important or unnecessary. You focus on limiting and decreasing your spending limit. You also eliminate unnecessary expenses like uber, gym, cable tv, etc.

Budgeting keeps your mind healthy
Once you forecast and categorize your spending, you become wise. You prevent your self from worrying about future problems. You become prepared for things that are scheduled and not. You have a budget for an emergency and you have a savings or investment for your future.

Budgeting increases your mental sharpness
Budgeting helps you become flexible. You’ll be able to forecast, prioritize, categorize or even limit your budget. It helps you think how to decrease each payable. Like electricity bill, you switch off or unplug electronic devices or anything that uses electricity when not being used.

Budgeting helps you create a better future
Budgeting helps you control your money. It helps you decrease your spending and increase your savings. You limit your spending on things you don’t need. It helps save and invest for your future.

Budgeting is very simple. You can do it by getting the percentages of your income to cover your expenses, savings, and bills. You simply track the money that you spend by categorizing, listing and prioritizing. You may decide to switch. minimize, limit, increase or decrease each category depending on your income. 



How to Run a Profitable Web-based Company

Tips on running a profitable web-based company

According to online business experts, only 10% of online-based business succeed after five years, not bigger than that. To ensure that your business is part of this small percentage, internet startups need to be aware of the various ways that can help them stay afloat and or be more successful for many years to come. Here’s some ways to ensure your company is useful online:

Solid value proposition

You have to let the prospective customers see the value they are getting when they buy your products and or services. The value that the customers will derive from making a purchase should be very evident as soon as they will interact with your website. Most of the times, the information provided on the landing page will make the customers continue to go through the site and make a decision to buy.

Excellent customer service

In today’s economic climate, the customer is more in charge than ever before. A quality product is simply not enough, you need to provide a great customer experience. And customers are looking for a great customer experience from the moment they discover your business online. Ensure that everyone from your team is well trained in customer service and always available both day and night to give feedback to inquiries.

Online marketing

The growth of a web-based business is determined by its ability to attract new customers and retain loyal customers. Putting a marketing campaign is important, leaving an online footprint in every possible online marketing avenues and web traffic increase pages. It is also equally important that you provide avenues to our customers for feedback, to allow you to meet the needs of your customers and make improvements whenever and wherever necessary.

Nowadays, majority of the businesses are being setup online, in a bid to reach out to more customers resulting in competition between businesses. Having a successful business on the web needs a lot of planning and strategy so as to stand out from the rest.

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How to Protect your Business from Account TakeOver

How to protect your employees and customers from account takeover

In today’s time of readily available online information and content, cyber security is all critical. There’s really nothing worse than getting hacked, leaking your company and or client passwords exposed to cybercriminals.
At a company level, this will set a panic mode to everyone. Before the hacker can lock you out of your accounts and steal invaluable data, everyone will frantically change all passwords.
At a customer level, it is very costly to recover from a hacked password and or customer account information, which may result to lawsuits.
Below are the 6 tips to help protect you from having your online accounts hacked and taken over:

Monitor your data

You’ll never know that a password exploits occurred until it’s too late. We have online tools like dark webmail API from SpyCloud that can save you a lot of aggravation and time. It has a scanning tool to discover password exploits often before hackers can get a lock on it, then informs you of ways to secure that data for good like imposing a strict password setting and resetting rules.

Use complex passwords that don’t make any sense

Hackers are good. They can come up with 10-20 good guesses as to what password might be by running a cursory search of you and your family online. In other words, don’t use your daughter’s name followed by her birthday. Instead, use a minimum 12-ish character password, using multiple letters, mixing in caps and non-caps, and use symbols that don’t form any sort of sensible pattern.

Never use the same password on any two sites or accounts

You can’t be lazy. If one source is hacked, and you use the same password over multiple accounts, all of your online and locally stored data are immediately at risk.

Change passwords often

Everyone knows about this already. Just keep in mind that the new password should be equally complex as the last. The more often you and your clients change passwords, the less chance a hacker can get in on your data. Set a script run that will prompt you and your clients to change password at least once a month.

Use two-factor authentication

It is always an added level of security getting a code that logs you into your account, aside from the usual password credential. Without your phone in their possession, your passwords are useless to hackers.

Use a reputable password manager

Password manager offers limitless password storage, and make changing passwords often very simple with one-click password generators, like LastPass, Dashlane, and others. They work really well and have the smartest hackers on the planet keeping their encryption near impossible to hack.

These simple tips help protect passwords and the data they hold access to. On a wider scale, it will help prevent data and identity theft online.

Top 5 Profitable Online Businesses

Top 5 Profitable Online Businesses

person wearing suit reading business newspaper


Whether they are targeting the mass market or restricting their business to particular niche markets, thousands of businesses are started online on a daily basis. There is some internet based business that seems to be more successful compared to others because of the value they offer to their customers. Some of these favorite businesses include:

Web Design

A website serves as a link between a company and their potential customers, that’s why the majority of the companies requires this. Sites are a great tool for selling products or services and getting feedback from their clients all over the world. As the mobile phone becomes the primary tool of communication, web designers are also developing websites that are quickly loaded on mobile phones for the benefit of users. Most of the web design companies offer their services to both individuals and as well as large organizations, making it a lucrative business.

Social media consultation

Social media has become the leading platform wherein companies and individuals communicate. Most of the time, companies need help in figuring out their social media strategy and often times consult the services of social media experts and or social media manager. The need for consultants is to drive more social media networks. The social media experts may be hired on a contract and or full-time basis, depending on the needs of the organization.

Review websites

There are a lot of products and services’ information being provided to many internet users on a daily basis, leaving them overwhelmed. It is for this reason that many online customers find time to search for review sites especially when they seek common feedbacks and or analysis on certain products and or services. These sites can review things across the board or focus on particular niches to attract a specific clientele. Websites such as The Top 10 Sites make information more accessible for those seeking well-researched information on popular brands.

Dating sites

Finding your other half has been quite a task for single people especially those who have plans of settling down very soon. For many of them, finding love at the comfort of their home or their office desk through dating sites is quite convenient and most welcome. Dating sites that offer added value like background checks and matches for those who signed up on the site are more likely to succeed. Also, niche sites that target individuals with unique needs are very successful across the globe.

Online shopping

The most successful online business nowadays is buying and selling goods online. It offers convenience to shoppers looking to make a purchase. That is why more and more are doing shopping online. Also, delivery services after items have been purchased makes the entire experience great for the customers, no matter where they are located.
In general, online businesses will succeed if they keep up with the trends and maintain attractive sites and focus more on providing a great customer experience.

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How to Make Smarter Decisions for your Business

Tips to Make Better Decisions for Your Business

three persons in front of table

Inside your business, there are three levels of decision-making.

The problem is, most entrepreneurs are unaware of this, so they simply make whatever decision they think is best. In the beginning, this is fine, because you build initial success and momentum through trial and error. 

It helps to be the entrepreneur who breaks things and innovates, but as you scale your business from six to seven figures, you need to evolve from an entrepreneur into a CEO. You need to own your business so it no longer owns you, which requires a different level of thinking.

Within your business there are three types:

  • Reactive decision-making- Every entrepreneur begins here. You wake up each morning and feel like a firefighter putting out one flame after another. You have no idea where the next one will spring up, but you know it will at some point. You react to everything around you, meaning you spend little time on the decisions you make. You never feel like you have enough time, and it’s hard to feel like you’re on top. Worse, you use a lot of your energy doing this, which means you have less of it to reserve for the things that matter within your business. So long as you base your decision-making on reactive thinking, you have a hustle, not a business.
  • Proactive decision-making- Depending on your business and initial success, you can move into proactive decision-making rather quickly. This is the stage where you think 90 days in advance. You no longer wake up each day putting out fires; instead, you wake up knowing what to do and when to do it. Entering the proactive decision-making stage is an important period for an entrepreneur because you now have enough time and energy to plan for the future. You begin to understand your cash flow, where you will be 90 days from now, and the general plan and process to get you from A to B. As an entrepreneur it’s vital you get to this level of thinking as soon as possible, because in this stage you can see what’s coming at you before it reaches you. This allows you to proactively deal with obstacles and stop mistakes from spiraling out of control.
  • Strategic decision-making- The truth is, few entrepreneurs get to this stage, and it can take those that do years to think at a strategic level on a daily basis. This is the promised land. Those who base their decision-making around strategic thinking are the ones who own the most impactful businesses, and those who enjoy true happiness, abundance, and freedom. What drives this growth is your mindset, and you can make huge strides today by simply thinking about all this. Be aware of where you are, and commit to this idea of becoming a strategic thinker.

In the beginning, most entrepreneurs base their decision-making on reactive thinking. You move at a fast pace, so it’s near impossible to strategize and come up with a plan.

Your aim is to elevate through these three levels until you base the majority of your decisions on strategic thinking. 

person holding pencil near laptop computer

What is Risk?

A probability or threat of damage, injury, liability, loss, or any other negative occurrence that is caused by external or internal vulnerabilities, and that may be avoided through preemptive action. 

Most decisions require information not only about risk but about other things as well. This additional information can include such things as cost, schedule requirements, and public perception. In risk-based decision making, all of the identifiable factors that affect a decision must be considered. The factors may have different levels of importance in the final decision. Therefore, an orderly decision analysis structure that considers more than just risk is necessary to give decision-makers the information needed to make smart choices. 

To fully understand your business risk, every business needs to focus on three things, which will vary based on your business model and customer base:

1. Measure the risk

2. Monitor the risk so you can react to it

3. Wherever possible, take actions to mitigate the risk

All three of these areas are important because no one of them is sufficient to run your small business. There are several resources available for business owners to help you evaluate and measure your business risk. There are also services to provide information on industry and customer sentiment. What’s more, there are advisors and tools at little or no cost through public agencies and universities to help you better understand and mitigate risk in your business. 

Understanding Short-Term vs. Long-Term Risk Impacts:

Short-term is a concept that refers to holding an asset for a year or less, and accountants use the term “current” to refer to an asset expected to be converted into cash in the next year or a liability coming due in the next year. The accounting profession uses current assets and current liabilities to perform analysis, and in the investing industry, a security with a holding period of one year or less is a short-term security.
Generally, a timeframe for investing in which an asset is held for at least seven to ten years. The measure of a “long-term” time frame can vary depending on the asset held or the investment objective. In business accounting measures, long-term can be a period of time that exceeds 12 months.


Cyclical Businesses

A cyclical industry is a type of industry that is sensitive to the business cycle, such that revenues generally are higher in periods of economic prosperity and expansion and are lower in periods of economic downturn and contraction. Companies in cyclical industries can deal with this type of volatility by implementing employee layoffs and cuts to compensate during bad times and paying bonuses and hiring en masse in good times.


The business cycle is comprised of four discrete phases. During the expansionary phase, productivity grows, unemployment shrinks and stock markets tend to rise. Because more people are employed during this phase and their investment portfolios are growing, they have more discretionary income and are less reticent about spending it. The peak follows the expansionary phase. At this point, the economy has reached the end of an expansion and subsequently begins its contractionary phase.

person using black laptop

Where Can Small Businesses Improve

Making consistent improvements to enhance your business is critical toward its success and sustainability. Things like monitoring cash flow consistently, utilizing social media for marketing and recognizing your strengths while asking for help in areas that are less so, can help you focus on improving areas of your business that offer the biggest gain.

How to Close a Sales Deal

5 Tips for Sales Success

two men shaking hands


It’s not easy to work in the sales industry. We really have to work hard, even harder.
How to become a better salesperson? You can use the following hints and tips:

Manage your time

Every salesperson needs to understand which sales take most of their time and which bring in the most money. There are lots of productivity apps available online to track your time which allows you to see at a glance what you’ve been spending your time on that day.

Prepare in advance

Being prepared is often the simple key to great sales. Do research about your customer and the company. Being able to confidently talk in terms of the customer’s interests and provide right answers will definitely matter on how the client perceives you and on their decision.

Be efficient

Customers would always want to buy from people who remember them and who always come in on time. Do not ever keep your clients waiting, time is indeed gold for both, you and your client. We have readily available online apps that will allow us to jot down all of the things you need to know about a client before going on that big meeting, like https://cove.com

Set goals

Goal setting is important in sales, it will guide you if you are hitting and or need you to push a little bit to hit your goals. There’s no limit on how far you would want to go. Just keep checking off your goals as you meet them. And level up to the next step and get even better.

Add value

Make it easy for your clients to make a decision. Tell them how your product or service will greatly benefit them rather than just give them a general overview. Personalizing the value that would fit their needs would mean a likelihood of a closed sale.

You are what you want to be. Use these tips and be the best salesperson in your company, its possible! For more business tips, please like and share the article. Hit the follow button for more upcoming articles and please support us by donating. Thank you.

Why Creating a Blog Could Benefit Any Small Business

Why Creating a Blog Could Benefit Any Small Business

person holding white Apple Magic Mouse beside iMac and keyboard

With the constant advancements in technology, it is becoming increasingly important for small businesses to develop an emphasized web presence. While having a highly optimized website is an essential component in the development of a comprehensive online marketing and branding strategy, the competitive nature of the global economy demands that businesses go further. One of the most effective ways to build brand awareness, while providing relevant and useful content to your target audience is through consistent blogging.

Blogging is an inexpensive way for small businesses to drive traffic to their site, enhance inbound marketing efforts and attract more prospective customers.

According to a recent inbound marketing report, nearly 80% of companies that use blogging as a part of their marketing strategy reported acquiring customers through their blogging efforts. Additionally, 82% of businesses admit that blogging is critical to their business.

Boosting SEO

All of the major search engines are enamored for fresh, relevant content and blogging is one of the most straightforward and inexpensive methods for offering this content. When a business creates blog posts consistently, they are constantly providing Google, Bing, Yahoo and the others with fresh content to index. This is also an opportunity for businesses to insert those relevant keywords that consumers will use to search for the types of services or products that the business offers.

flat photography of MacBook and boxes

Developing/Enhancing Relationships

Customer engagement is an immensely important element of online marketing and branding, and blogging provides the opportunity for you to connect with your existing and potential customers. Blogging is a good way to build trust with your target audience through high-quality content that they find relevant. With an active comment section, you will also be able to follow the visitors’ responses to your posts, and you will be able to respond directly to their comments, which is huge in building trust and relationships.
two people handshaking above table with laptop

Establishing The Business

It does not matter how small your business is, blogging is a good way for your business to build trust and establish clout in your industry by providing content that will be viewed as valuable, expert information. In time, posting blogs that are helpful and informative on a regular basis can make you the “go to” resource in your particular niche within the industry, subsequently increasing leads and conversion rates.

Connecting People to The Brand

Brand awareness is an immensely important element of marketing and blog posting will allow you to show your followers a personal side of your business that existing and prospective customers will not readily recognize with outbound marketing mechanisms and techniques. Blogging will give others a lucid sense of the corporate standards, business character, vision and the personality of your company.

person reaching hands on each other

Getting Ahead of Competitors

One of the most powerful benefits of blogging is the opportunity it creates for others to share the link to your blog, creating the potential for viral traffic and exponential market growth. With so many different sharing platforms available, visitors can share the direct link to the blog, tweet it, or email it to a friend. This is the epitome of free marketing.

If you are interested in increasing your online exposure, while establishing yourself as an expert in your industry, then you will definitely want to take advantage of blogging as a marketing strategy. When it comes to small businesses, blogging is virtually a must. If you don’t have the time, resources, or expertise to write blog content you can outsource the posts to a digital marketing agency like CBO who can craft unique, relevant and engaging content for your blog site.

4 Ways Small Business can Stay Competitive

4 Ways Small Business can Stay Competitive

Moving into a new city or job can be daunting, the hassle of finding accommodation, the stress of moving personal items and most especially the people or city accepting someone new might not be pleasing.

The same applies to small businesses that are launching into an industry ridden with bigger competitors.

1. Narrow your focus and look for those willing to pay full price

It seems for many of us that there are too many things that need to get done and there is simply not enough time to complete all of it. The truth of the matter is there truly isn’t enough time to get all of the things on our never-ending list done. So how do we get all of it done? How do we meet all of our obligations? 

What I suggest to you is that you don’t even try to meet all of them. My suggestion is for you to focus on what matters the most. Many of us consider ourselves busy people, and for many of us, that may be true. In our society, there seems to be this culture of multitasking as a way to be more productive. 

A smart businessman in this day and age will narrow their focus to desirable, unique products with high margins, and low overhead costs to store them. 

Five Small Business Marketing Trends To Jump On This Year    2018 is almost over and business is going well. It is imperative to stay up-to-date and respond to the ever-changing market pressures to stay ahead of the competition. The marketing trends that may have worked well a few years ago may not necessarily help a business succeed in the future. The following are some of the upcoming marketing trends to support your business growth in 2018.    1. Enhance the Customer Experience  Businesses exist to cater to the customers. Thus, it is of utmost importance to understand the customer needs as well as to get their feedback to be on top of the marketing trends. ‘Chatbots’ and ‘live customer support’ are great ways to support customer queries and share information regarding new products, features and policies. One of the hottest marketing trends is social media; it is the summation of the know-how of business, including services offered, and live chats.     2. Use Location-Based Marketing  Geolocation or location-based marketing is another recent trend in small business marketing. With GPS technology, customers give away the information about their location via mobiles and laptops. Small business can utilize this information to understand the target customers in specific territories and promote their events, products, sale offers and news.    3. Add Livestream Video  A great way to create excitement about your brand nowadays is live streaming on platforms such as Facebook, Twitter, YouTube and Instagram Live. These are the next level interaction strategies—a marketing trend to engage with customers, answering their questions, and creating buzz around new products.    4. Use Micro-Marketing  Here is one cost-effective and time-saving marketing trend. It involves actively targeting customer needs to market products or services; thus, segmenting the customers into appropriate categories. Small business can give a huge shout-out to the right clientele using such a marketing strategy.    5. Collect More Data  While "big data" has been a buzzword, such data can be effectively used to understand, assess and collect information about customers. Small or large businesses both need data to cater to the customers in the right manner. Whether your business is web-based or brick and mortar, there are now more ways than ever to learn all about your customers - who they are, where they live and what they need.    The above mentioned 5 are top-notch marketing trends for small businesses. There are many other strategies out there, but it all depends on how you utilize these strategies and what you need to take your business to the next level in the future. For more information about marketing trends for small business, visit the source content on the Forbes website.     Need more assistance in helping our business grow? Let Health Connexions help you with its unique marketing tools to connect with your consumer base, market and help you manage your business effectively. To learn more about how we can help, contact us today at info(at)healthconnexions.com.

2. Don’t be a scrooge with transaction fees

It’s true, we all feel a little Scrooge-like at times, and that’s ok!

But it’s clear that this less-than-cheery attitude has absolutely no place in the business world. Even when business owners, marketers, and employees start to identify more with Ebenezer than with Buddy the Elf, they must put on a happy face and remember their top priority: The customer.

Sure, this is easier said than done, but businesses must maintain this ever-important perspective.

person holding black tablet computer

3. Be Santa and not a Grinch on shipping fees

It’s really just that simple. Don’t be a Grinch. No one likes a Grinch, not even the Grinch likes a Grinch. If that grouchiness invades your company culture, it can cause a high turnover, which is damaging, not to mention expensive. And when it invades your company culture, it’s only a matter of time until it invades your relationships with your customers. 

Engage Your Customers in Meaningful Conversation

4. Be a more engaging and present human being

The importance of engaging your customers and connecting on a more personal level to build trust and long-term loyalty. Social media and email marketing provide the perfect avenues to engage your customers in meaningful conversation. But engagement is a two-way street. Just sending out an occasional newsletter or social media post isn’t going to cut it. You’ve got to engage customers in real conversation just like you would if you were face to face or on the telephone. But it’s not as hard as you might think.
 

Conclusion

Some small business owners assume that their website needs to be perfect before they’ll benefit from their content marketing efforts. They worry that their site isn’t properly optimized, or isn’t user-friendly enough, or that their writing isn’t good enough. The 4 ways above prove that simply becoming a resource for your audience and spreading awareness of your resources, can get you on the path to stay competitive.

The best way to communicate with your customers

man shaking the hands of woman

The best way to communicate with your customers

Communicating with your customer in the best possible way will provide a huge impact on customer experience. It will lead to customer satisfaction and if it does, these customers will start marketing your business. They will be your affiliate and will start sharing your business with their friends. Here are the best ways to communicate with your clients:

Always Listen

woman in front of desk

Communication starts with listening. You need to be a good listener for you to be able to understand your customer’s concerns. Listening to every detail of the customer’s can concern can help you create the perfect solution for your customer’s needs. Listening is not only about listening. You need to understand the gravity of the scenario. You also need to understand how this problem is impacting your customer. You need to use your body language while communicating. Eye-contact, nodding, facial reactions, and hand gestures will let the customer know that you fully understand his/her concern.

Never Interrupt

Image result for interrupt from talking

Interrupting your customers while talking is a sign of disrespect. We don’t want our customers to feel that they are being disrespected because this will cause a huge impact on our business. One negative comment, review or feedback can change your whole company’s graphs. Always wait for your customers to finish what they are trying to say. Listen and address detail by detail of their concerns. Show them that you care. Show them that you are also human and not a company who never cares at all.

Avoid using Jargons

woman sitting in front of laptop

You might be one of the managers, engineers, architects or even the CEO of your company and mastered technical details, names, and phrases but you should deliver this words in a way your customer will understand it. If you sound so wise or technical your customers will never appreciate your efforts. You should level your understanding with your customers. You don’t want to confuse your customers as well. If you fail to let your customer understand what your product or policy is, then this will be another expense for your company and will cost you a bad reputation, negative feedback, comments, and reviews.

Practice Phone Etiquette

Image result for calling from office

Make sure that you sound natural and human when answering phone calls. Avoid sounding so scriptive and robotic. You should sound like you are talking face to face. Make sure that your voice sounds clear, greet them, compliment them for doing the troubleshooting on their own, thank them for being so patient. They are your customers whatever happens. Never let that one call ruin your whole company’s reputation and always be at your best when answering phone calls.

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How to stay on top of success

gray coupe on parking area

Planning and Management are the crucial duos of any business platforms, Whatever the business’ size, capital, value or industry. Unfortunately, there are business owners who are not familiar with these elements. They are very good at starting the company. Amazing Sales and Marketing skills but could not maintain achieving objectives.

Here are the strategies that will help all types of companies from whatever industries whether it’s a big or small scale company.

Build a strong Corporate Culture

man standing beside wall

Corporate Culture refers to employee-engagement. It is how management interacts with their employees.  It is how companies handle outside business transactions. A strong corporate culture is the backbone of your company. Your employees are your best asset, not your office, products or even your money. 

Once you have a strong corporate culture, your employees’ productivity will increase, performance will increase. In the long run, your business will grow. Same people, No additional manpower, No additional cost.

Evaluate ROI

woman holding silver iPhone 6

The most effective planning before starting your business it to evaluate ROI. Measure your long-term success ahead of time and potential profitability. Plan and do realistic forecasting so you can foresee what will be your cost, inventory, sales, and ROI, Then compare your planned, forecasted and actual performance. 

If your business is having a problem handling your own reports, inventory and accounting maybe it’s the right time to consult for a third-party expert for help. Try inFlow

Create a Cloud Accounting Software

turned on monitoring screen

Cloud is a memory where you can access anywhere and many businesses have already adapted to this technology. 85% of the companies around the world have cloud accounts.  

If you are unsatisfied or not yet convinced why it can help your company 100% then here’s why:
•You can access it anywhere
•Your employees can update their department’s reports
•You can have real-time reports
•You can have your presentation from your cloud.
•You can avoid stolen reports with missing flash drives
•Your company’s information is protected and safe
•Employees can only access what they are allowed to.
•Real-time inventory and accounting reports

Continues Process, Planning and Management Improvements

“Best customer service” is the ultimate goal for all the business. Complete work in a timely and efficient manner, and reduce costs to earn more profits that’s the second goal. The right planning and management can help continuously business achieve all these goals and more.

Make sure to continuously evaluate your process, planning, and management. Make changes, evolving and harness the power of new technology. They are essential to reaching your objectives and goals.

Once you have that goal for your business, make sure to take care of it. Plan ahead of time, forecast the possible threats and obstacles you might encounter in the future. It is always best to seek help from someone who has experience. Look for a mentor that is already successful and has good business reputation. Learn from their experience, learn from their success and most especially learn from their mistakes.

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How to apply for a Credit Line from your Suppliers

6 Steps to Getting Credit With Your Suppliers

 
person holding white retractable pen

Most established companies get payment terms from suppliers. This arrangement means they can buy goods or services while paying for them on net-30 terms. Clients usually demand terms from suppliers because it improves their cash flow. They get to use the supplier’s services or products for a few weeks before they have to pay for them. Unfortunately, many small business owners can’t get credit from their suppliers. They are too small or simply don’t qualify for it. Instead, they have to pay when they receive an invoice, or worse, pay in advance. This requirement puts them at a financial disadvantage with their competitors.

Establishing Vendor Credit

If you’ve ever been on the market for a consumer loan, such as a home loan, you’ve probably got a handle on your personal finances. You know where your personal credit score stands month-to-month and how personal credit impacts your ability to qualify for financial products. But as a new business owner, you might not know anything about your startup’s business credit rating—why this is important, what your rating is, or how to establish and build a business credit history.

If you’ll ever need credit for your business in the future—with a small business loan or business credit card, for example—then your business can’t just get by with a strong personal credit score. That definitely will help, but you also need to establish a positive business credit history.

flatlay photography of calculator between stack of banknote and click pen

       Determine your credit rating 

Lenders typically assign interest rates based on what bracket your score falls into. But credit scores aren’t just used by banks. Increasingly, insurance firms, landlords and even employers are using credit scores as a proxy for figuring out how responsible you are.

 

         Improve your Credit Score

As you begin the process of improving your credit score, keep in mind that it’s a marathon and not a sprint, but improving your score is worth the effort. A poor credit score can potentially cost you tens of thousands of dollars over the course of a lifetime. It can also become a source of serious stress, making you feel like you just can’t leave the mistakes of the past behind and move on. Luckily, you’re not alone. Plenty of people struggle to improve their credit scores, and there are numerous ways to build good credit — and reap the rewards that come with having a good credit score.

         Talk to the mid-sized to larger companies you work with.

 Most people you meet and talk will tell you to join a big company, a famous brand.

People believe, a good career is built around big companies. Most of us, at least, while starting a career, dream to be a part of glamorous sounding, fortune 500 company. These big companies have limited high paying jobs and senior roles. These roles are filled by ivy league college grads and experienced professionals, rest of the roles are mid and lower management roles in which most of us fit in.

          Start with smaller amounts of credit.

Many people put off investing because they think you need a lot of money—thousands of dollars!— to start investing. This just isn’t true. You can start investing for as little as $50 per month.

The key to building wealth is developing good habits—like regularly putting money away every month. If you make investing a habit now, you’ll be in a much stronger financial position down the road.

    Pay discriminately.

Pay on time. Pay ahead on time. Pay ahead of time when you can. Be careful about who you pay. 

           Ask for more.

After paying all your credits, you can ask your creditor and request better terms. You can ask for an increase to your credit limit, longer payment time, or both.

man holding stamp

Let the borrower beware

With the national real estate market slowing, fewer people are seeking loans. And with subprime lending standards tightening significantly, fewer people qualify for them

The combination has resulted in less business for lenders and brokers, which in turn means that prospective borrowers should tread carefully. 

People shopping for loans must always exercise vigilance against unscrupulous lenders. But analysts and industry executives say that in the midst of the current shakeout, borrowers should be especially cautious about the loans they are considering. In other words, to make a larger fee, the unscrupulous broker will qualify someone for a loan he or she really shouldn’t get. Doing so is unethical at best and fraudulent at worst.