“How come there’s never any cash in the checking account?”How many times have you asked yourself that question,mens spyder ski jackets online? You know the business is making money. The Profit and Loss statement shows a profit every month. You are constantly signing checks to pay the quarterly tax payments. Every time you go to the bank for a ninety day note, your banker agrees without batting an eye — just passes over the papers for your signatures.And he tells you, “That business of yours sure cranks out the profits and it just keeps growing. What a gem,womens moncler vests cheap.”But where’s the cash?If your business is growing at a rate of 30% a year, and your gross profit is 25%, you will always be out of cash. It’s amazing, but unless the business generates high profits, even moderate growth will kill a business. The business can survive only as long as it has sufficient credit to borrow money — more money each time it goes to the bank. But when the debt service closes in on the cash flow, any downturn in sales, or slowdown in collections, or increase in costs can stop the availability of credit.How do you increase profits? Raising prices is a good way to start. My barber understands the supply/demand curve as well as anybody I know. He runs a one-man shop and works only by appointments. When he starts to see new faces looking for appointments (more demand), he raises his prices. Certainly some of the old customers leave and try another barber but they soon come back (he’s that good.)He’s also constantly improving his business by getting rid of problem customers. If you don’t show up and you haven’t called to cancel (causing him to lose the income for a time slot) — he just doesn’t have any time available when you call to make an appointment.It’s easy to raise prices and increase profits when you provide a quality product.You might create higher priced product presentations based on the same product or service. The fast food people learned this long ago. “Would you like me to super size that?”Do you really think a Cadillac costs twice as much as a Chevy?You could bundle companion features into a single product. “Would you like the extended warranty with this purchase?” Or, “So long as we’re here checking the AC unit, would you like us to clean the air ducts?”Another issue that drains the cash is principal payments on loans outstanding.This one caught me when I first started in business. The P & L doesn’t track cash or the principal payments made on the loans,cheap mens spyder ski outerwear. The only way you can see these is to look at the balance sheet and note the loans payable balance decreasing each month.Most entrepreneurs now make good use of the flexibility in terms available from lenders as they compete for good borrowers. I always made it a practice to negotiate an interest rate, an amortization schedule, a due date, and a pay rate. When I had these in my loan documents I knew I was in control of my cash flow,mens spyder ski suits.My partner for many years used to say that “profit” was a term created by the IRS so they would have something to tax us on.Maybe so,spyder ski jackets for women, but when you are starting out, don’t let the accounting entry under “Profits” fool you into thinking you are successful — check the cash.

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So now the time has come to invest in Lead companies, but how do you know which one is the right one for you?When I was a new loan officer, finding a lead company was not easy, I can remember logging onto Yahoo, typing in the key word “mortgage leads” and being bombarded with links leading me in the direction of lead companies all claiming to have the best leads and the best deal for me!But what was the best deal for me? That all depended on what I was looking for, so taking my time, I began to right down exactly what it was I was looking for, did I want refi’s,kids spyder ski pants cheap, purchases, or both. Did I want leads from several states or just one, how much could I afford? Etc., etc.Before I invested any money, I decided I was really going to do my home work, I went to sites of the companies I was considering to read their terms and conditions, I spoke with reps in their customer service department and asked many questions, I went to lead site reviews posted on the web to see what kind of experience other loan officers had with the companies I was considering.One thing to keep in mind, No lead company can guarantee you a 100% closure ratio,spyder ski pant for men, and they are very up front about that, if that is what you are looking for, you can end your search now.Still with me? Good!Here are a few things to consider before committing1) PricingIf you are on a tight budget, and have, lets say, $100.00 to spend, you will have to narrow your search to the lead companies that accept a $100.00 or lower minimum or will meet whatever spending limit you have set for yourself. Some companies have deposit requirements, not allowing you to deposit less than $500.00, so this would not be the company for you.2) Lead GenerationFind out where the company is generating their leads from. Some companies recycle their leads and sell them many time over. They also buy their leads in bulk off of other companies and resell them, so make sure you ask this very important question up front.3) Return PolicyLook for a company with a liberal return policy, the best way to find out this information is through lead site reviews.If you receive a lead with bogus contact information, there is no reason why you should not get your money back.4) Quantity vs. QualityBe careful when you buy in bulk, when you can spend $100.00 and receive 50 leads, chances are the leads are old and are being recycled, and the closing ratio isn’t so good,cheap spyder ski hats.If you can spend $100.00 and receive five to ten fresh leads, you may be better off,spyder ski jackets for women, and also have a much better closure ratio.5) Cherry Picking vs. FiltersCherry picking is a nice feature, and a very popular one, it allows you to go into a site and view a lead before you purchase it, some sites even let you know how many times it has been sold.Filters are also very nice features, they allow you to predetermine what kind of lead you want,discount spyder ski hats, and when a lead comes in matching your filter criteria, it is sent directly to you via e-mail or fax.6) Customer serviceAs in all business’, customer service is key, and the way they handle themselves on the phone can be perceived as a good indication as to how their company is run.If you are struggling to get a hold of someone, or your phone calls are not being returned, they are most likely not worth doing business with.7) ReferralOne of the best ways to find a mortgage lead company, is to have one referred to you by a co-worker, or by someone within you organization who has had success with a lead company. Ask around and see what you can come up with.8) Exclusive vs. NonexclusiveIf you want to receive leads exclusively, you will pay a steeper price, however this lead will be sold to you only, doing away with your competition.Non exclusives leads are sold on average three to five times, it usually will cut the cost of the lead in half, but keep in mind, you are now competing with other loan officers. Remember, you get what you pay for.One last thing..By considering these eight features of mortgage lead companies, you are well on your way to choosing the best lead company for you, and at the right price. But don’t stop here, continue to gather as much information as you can before you invest, I can’t stress enough just how valuable the lead review sites are, check them out, it will be worth your time.

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Everyday I hear this refrain; “My business is so difficult because we are in a commodity business,spyder ski jackets sale.” All my life I have been in sales and marketing, there are no commodity businesses-there are only “commodity sellers.”I worked in a supermarket, to put myself through college. At that time, chicken was sold at the “poultry counter” and was 19 cents a pound. Then some funny-looking guy started advertising that his chickens were different-corn fed, not shipped frozen…guess what happened? Frank Perdue’s chickens went for 79 cents a pound and flew out of the stores.This observation is not just an “Anovickian” theory, Theodore Levitt wrote “Marketing Myopia” in 1960 addressing this issue in detail (available as an HBR reprint, 75507). The classic example being the “railroad” business, which at one time was a growth business and then perceived as a commodity business; what the railroad executives missed was understanding exactly “what business were they in?” They were in the transportation business! If they had understood that, we’d be traveling on B&O Airlines today.What you must do is clearly differentiate your product or service. Know your customers and clients and do the things that will make them want to do business with you,cheap mens spyder ski outerwear. Apple changed their name from Apple Computers to Apple Inc,moncler vests for men. and went on to develop the iPod,spyder ski jackets for women, iPhone, iPad, iPhoto and of course iTunes. They still sell computers, however, they see themselves as so much more to their customers.People line up to buy Apple products and in many cases pay a premium to do so. Apple has high margins in most of their product lines. The total customer experience with Apple has customers come back again and again. It is not just the products, my son tells me the tablet was around ten years before Apple’s iPad came out, yet Apple sold 15 million in the first year of business. How can we apply the lessons of Apple’s success to our businesses?What business are you in? A lawyer, an engineer, a broadcaster, construction business, insurance or the restaurant business; the question is not about what you do but what do your clients or customers need and why would they seek you out,spyder ski wear? What differentiates you from all others? What is your unique selling position? If you are unable to clearly respond to these questions then that is why you are in a “commodity” business.It is the total customer experience from the initial contact of walking in your store or answering the phone, every point of connection that clearly differentiates doing business with you. Today people want a hassle free experience and they want results and assurances of who you are and what is it like to do business with you. You are in your business every day, you know what the issues are and what clients or customers are looking for as outcomes. Are you working ON your business to insure that experience is the best it can be and clearly differentiates you from everyone else?Are you product focused or customer focused? Are you in business to “pay the bills” or do you want to build value for your clients, customers and stakeholders? What business are you in? Answer these questions and you will no longer be in the commodity business.

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Becoming an entrepreneur and starting a business is a common dream for many people. But where do you start? When it comes to starting your own business, you will need to dedicate a considerable amount of time into planning it all out before you actually can begin to work and get started. It might seem a bit frustrating at first, but if you have determined that now is the time to become an entrepreneur, then the time and effort you put into planning your business will help to make your goal of becoming a successful entrepreneur a very clear reality.Research: If you are at the point now where you are saying to yourself, “I need help to start up my own business,cheap moncler vests for men,” then you will also need to be sure to do your homework and research to be sure that your journey towards becoming your own boss is a successful one. Your first order of business can be focused on looking up resources on how to start a business. Starting up your own business requires a lot of information that no one can gather all on his own. Thankfully, the internet has provided hundreds of resources for you to utilize. Take the time and use them,moncler vest for women!Find a Mentor: There are many people who are already working successfully in your dream business who would be more than willing to coach you to become successful as well. When you make the decision to start your own business, the lessons that you can learn from someone who has already done what you want to do will be invaluable and give you a great head start towards becoming your own boss!Go Online: Many people who want to start their own business and become their own boss have come to the conclusion that starting a business online is the best way to quickly achieve their financial goals. By owning your own online business, you will have a global audience and even great potential for financial success!Owning a business online that you can work from home has tremendous benefits:-No commuting to an office so you save money on gas and car repairs. -No boss telling you when you need to be working or what you need to do. You get to decide how and when to work and how much you can make! -Flexible schedule,womens spyder ski outerwear online; You have the time to spend with your family or travel to exotic destinations.-You get to be the boss and decide what your finances and life will look like!Take Action: Once you have done your research and know what you want to do and how to do it,spyder ski jackets for women, you will need to get to work. Starting your own business can take a lot of work, especially in the beginning. You will have hard days where you may want to quit, but if this dream is important to you,mens spyder ski pants cheap, you will need to stay focused and dedicated. Anything worth having will take work, but ultimately it will be worth the time and effort that you have put in. When you are your own boss and a successful entrepreneur, you can be proud of your achievements and look ahead optimistically knowing that you have paved the way to a prosperous future!

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Many times, people venture into a business for reasons that are not nearly right ones. The grass is always greener on the other side,spyder ski jackets for women, however the grass on this side will eat you up if you start on a wrong foot. People working in 9 to 5 jobs often dream about running their own firms, earning huge money and being famous. Not the best reasons, I would say because they are the end results or maybe the byproducts but not the ones for starting the business. Do not become an entrepreneur or businessman, because you feel it will make you rich instantly. If you do not take care, you will burn out faster. So here are some of them.
You want to be the boss:
Though it feels great that you are now the ultimate boss and there is no one above you, but there are definite disadvantages. Now no one is there to guide and protect you, when you make mistakes. You have to learn everything by your experience. You might make decisions that can harm your business. You will have to take care of all the aspects of your company from for e.g. Human resources, Finance, Delivery, administration, legal, governmental, IT and so on. You say that you have people to take care of these departments, but the accountability lies with you. So be prepared for getting troubled and hassled.

You want to get quick rich:
In my opinion, only robbers and cheats can get quick rich,cheap spyder ski gloves. If you wish to get rich legally and ethically, you will have to be prepared for a long haul. It takes months sometimes years to make that single buck. And the road is littered with obstacles like you have never seen before,mens moncler ski jackets. So do not start business, if you want to make a lot of money in the short term. It is near impossible.

You want to be free from employment:
Hello!!! Entrepreneurship is 24 *7 job with very less space for mistakes. It is not freedom from employment, it is full time employment with added headaches. You will have to listen to whatever the client says about your pricing,discount spyder ski hats, delivery, methods etc. You will have to do all the paperwork, filings and legal stuff. You are not the owner, you are everything( owner, employee,womens moncler jackets, employer etc.) Remember, you are not with a large company anymore and there are no resources to back you up.
This is not to discourage anyone but to bring you to reality while you are romancing with your dream to become an entrepreneur/business owner. Hope you liked the post.;)

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When my brother was a kid, he went to hockey camp every summer. One year, he came home and told us that the coach was the most demanding he’d ever had. All they did was go over the basics again and again – drill after drill, skill by skill – each time changing just one small thing about the way they played. When my brother shrugged his shoulders and said out loud to his teammates “well, I guess practice makes perfect,” the coach immediately corrected him, saying: “No, Paul – perfect practice makes perfect.”That expression has stuck with me for 25 years, and I’ve found that it’s just as true in sales as it was in hockey.Perfect practice makes perfect. Just think about those four deceptively simple words for a moment. The sad truth is that 80% of sales people spend their days working on – practicing – the wrong things. Instead of working on the things that will make them more successful, they spend the majority of their time practicing the exact same things they did yesterday, and the day before that, which are the very things that are keeping success out of their grasp.I’ve spent my professional life studying, copying and applying the habits of highly successful sales and business people. When I coach sales people in the field, what we’re trying to do is replicate those same proven successful behaviors. Yet time and time again, the first reaction we encounter is resistance. In 80% of the cases, sales people tend to respond to new ideas with a defiant “that’s not the way I do things!”Ironically, the reason these people have hired me is to work with them to change their results. The top 10% of sale people know that, if you want to change your results, you have to change whatever you’re doing each and every day that isn’t getting you what you want. If you want to double your income, increase your commissions or take more time off, and whatever you’re doing now isn’t allowing you to accomplish these goals, then you have to find a new or better way of working that will enable you to reach your goals – period.After all, we’re not talking about rocket science here. I can say without a moment’s doubt that I’ve never met a sales person who is incapable of repeating what the top 10% of the profession do. Most people only lack the desire to try, or the willingness to practice something new, and refine it to perfection.In other words, most simply lack the discipline to practice perfectly.Don’t fall into that trap. Remember: if you always do what you have always done, you will always get what you have always gotten. The following are some ideas you can use to help you change the way you do business, and begin to go from simply practicing, to practicing perfectly.3 key areas to practice perfectlyThe top 10% of sales people perfectly practice 3 key areas:Finding new prospects; Qualifying their business; and Closing the business. Why? Because they know that these are the only 3 activities that directly affect their bottom line, and their success. You don’t earn commissions for filling out expense reports, talking to your friends on the phone, going for coffee or planning your vacation. Top performers know that, and instinctively maximize the time they spend in front of their clients during working hours.Unless your customers are based around the world, most sales people have a limited number of hours in which they can reach their clients – typically between around 8:30 am and 4:30 pm. So make sure you maximize the amount of time you spend working with your clients during those hours, and save the non-commission generating work for the rest of the day. If you’re spending too much time during peak selling hours doing non-sales work, then you are seriously limiting your ability to earn – and your income.One easy way to increase the amount of time you spend with customers and prospects is to keep a detailed log of your time for 2 weeks, and track everything that you do in 30-minute increments. For a sample of the one we recently completed in our office, email me or contact us.At the end of the 2-week period, look honestly at your log,mens spyder ski jacket, and evaluate how much time you’re spending working directly with clients, whether you’re prospecting, qualifying or closing. If you can do better, set yourself some goals. Make a decision to either increase your direct client time to at least 50%, or by increments of 10% a year.Next, immediately write down 10 things you can do every day to reach your new goal,spyder ski jackets for women, and start doing them right away, adding one new habit a day until you are consistently practicing 10 new ways to stay in front of your customers more often. Don’t be surprised if, within that 10-day period, you find you’ve already reached or exceeded your 10% incremental goal for the year!Get a little help from your friendsAnother excellent approach is to get a mentor and a coach.Top sales people know that they need to draw on the habits of other top performers, so they work regularly with a coach or mentor to help them identify those habits that will lead to greater success – and hold them accountable for doing them.Start by studying what your mentor does that makes them successful. Ask them what they do every day that makes them a top sales person. Then commit yourself to trying these things for yourself, even – or especially! – if they’re different from what you’re doing now.Do what they do. Read what they read, and associate with the people and groups they do. Try one new thing at a time until you have perfected it, and then move on to something else. Soon you will be as successful as they are – or more!Plus, consider hiring a professional coach to help you refine your habits and techniques, and set your goals. They could be a sales coach, a business coach or a personal coach. Either way,kids spyder ski suits sale, spend the money it takes, and commit to being better. Successful sales people don’t just talk about life-long learning; they act on it. Tapes, CD’s, learning systems, videos, books – and coaching – are all core parts of their regular sales workout.Perfect practice also involves knowing when and how often to practice new ideas. Top performers practice those things that are going to improve their business first thing in the day, every day, and they practice them until the work is done. For example, the vast majority of top sales people:Make all their prospecting calls first thing in the morning, even before answering their email. Get up early before important sales presentations to practice one last time. Spend their commute time listening to tapes and CD’s in the car, learning new ideas rather than listening to the radio. Plan their vacation schedules and professional development days early in the year, so that they can plan their sales activity around the days they’ll be away from the office.Follow the leadersFinally, how often should you practice perfectly? Every day, and every hour of your sales time. Here are some examples of what top performers are doing every day to make their careers soar:Set your goals.Set your goals each year, and review your progress on a quarterly and monthly basis. Each week, look at your list of goals, and choose 5 things you can do that week to achieve them. In doing so, you will be working towards your sales goals every day. Do it first!Yes, we all hate cold calling. That’s why top performers do those things that are directly related to generating business first thing in the morning. Commit yourself to making your calls before you open your email, and don’t stop until all your prospecting calls are finished for the day. Listen to your gut.If there’s one thing in your business life that you have been putting off – one thing that you dread more than any other – then it’s highly probable that it is the single most important thing you should be doing. Stop procrastinating, stop being afraid, and (with thanks to Nike) just do it! If you’re still having trouble, read “The War of Art” by Steven Pressfield for a great kick in the pants. Document your successes – and your failures.Repeat the things that are working, and discard those that aren’t. Keep refining until you get the responses that will lead you to your goals. Make time every day for professional development.I don’t mean quiet time to read the newspaper or watch TV, either. Find time every day to learn something new related to perfect practice, or to achieving your goals. Stay focused on the end result.Commit yourself to being relentless in doing what needs to get done. If a colleague approaches you for a coffee break while you’re in the middle of making your prospecting calls, tell them that you’ll be happy to join them later. If your parent, spouse, partner, best friend, or Tom Cruise or Angelina Jolie calls while you’re busy closing business, tell them that you’ll call them back after 5:00 pm. Unless they’re going to buy something from you, you can’t maximize your revenue goals by taking time out of your day for chit chat (well, okay, maybe if it’s Tom Cruise – but that’s it!). Remember: top performers – the top 10% – maximize every hour of every day, by spending it all and only with their prospects and qualified buyers.Let’s face it – it’s not difficult to become a top performer. In fact, it’s easy! You simply have to want it.I’ve never met anyone who I’d judge incapable of doing those things that top performers do,spyder ski hats online. I have, however, met many people who are unwilling to make the commitment to do it,womens spyder ski outerwear online.Remember what my brother’s coach said: perfect practice makes perfect. Start perfecting your practice today, and by this time next year, I promise you’ll be closer than ever to hitting your goals, and achieving everything you want to accomplish.

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Small business, in America, contributes most of the new jobs to the economy and is responsible for at least half of the annual GDP. But most people do not become Entrepreneurs for those reason. Their reasons are more personal. Over the years and after interviewing many of these unique individuals, I have found that there are really only five major reasons people expose themselves to the risk of Entrepreneurship,kids north face jackets cheap. Those five reasons are:
For the Money
For the Control
For the Security
For the Perks
For the Satisfaction
For the Money – Most Entrepreneurs I have talked to are interested in making money and isn’t that exactly what an Entrepreneur does;Take an idea and make money with it? Or at least, that is the goal,mens moncler vests cheap. Sometimes we lose money but that is part of the equation and part of the challenge, the risk of it all.But more importantly, most have had a dream or a goal that they were determined to reach or achieve. I know I did. When I was 35 and employed as an Engineer for a large Energy service organization, I had a dream of being a millionaire by the time I was 40. Having looked at my paycheck many times and at my goal of being a millionaire, in just 5 years, I knew something would have to change if I was to reach my goal.At that moment I became an Entrepreneur! Oh, by the way, I achieved my goal.For the Control – Some people are fanatical about having control of their lives and the outcome of their lives. I am one of those people. From the time I was 12,spyder ski jackets for women, I was determined to create my future. My mother used to tell me that she knew me better than I knew myself and that was such a motivator, for me. How could anyone, other than myself know what I was about, I thought. I did not know how I would succeed, at 12, but I was certain, I would. As it turned out, my mother did know me quite well, maybe not better than I knew myself but pretty darn good. She knew that I would be successful, as I did, but she, like myself, wasn’t sure how.The “how” was sheer determination and commitment ot being in control of the outcome of my life and building that outcome, one day at a time. Entrepreneurship puts you in a position to control your future.For the Security – When I was nine, I had a Lemonade stand as most young kids do at one time or another. We always sold half of the the Lemonade and drank the other half, but at the end of the day all the Lemonade was gone,spyder ski hats sale. When the Lemonade was gone, the money stopped coming in. I was always fascinated by the prospect of the money continuing to come in. What could I do to keep the money coming in? That was the question.As I got older the answer to that question continued to elude me, until I saw that the key to security was to create something that would keep the money coming in even when I was not going to work. For me that was Security. Entrepreneurs are adept at creating annuities and equity. Both those translate into Security.For the Perks – I did not know it at 12 but being a small business owner had many perks. Transportation costs, C,orate loans without any qualifications except you owning the business,and Providing jobs for family and friends. There are many, many more but if there were none other than these, that would be enough for me.For the Satisfaction – There is nothing more satisfying than achieving your dreams. Everyday I go to work another dream is fulfilled. Nothing gives me more satisfaction than seeing that I am contributing not just consuming. I am building something that will continue when I am gone. Everyday I thank God that he placed in me a will to build, I thank my wife for the support and partnership through the years, and I thank my family, many of which,mens spyder ski outerwear, are in the business or have been from time to time and benefited from it.So, why would anyone want to become and Entrepreneur, let me count the ways.

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In general, a janitorial cleaning business are meant for people who are already into a blue collar job and are interested to start off with their personal business but don’t have enough amount to invest. In recent times, you will find more and more people eyeing into this career path.If you too fall into this group and want to start janitorial business then make sure to pay heed to the suggestions included below:
Your first step involves in determining the name of your business. Once you have done with that make sure to get it registered.
After the completion of the first step, you need to then contact your city hall or Local County to get hold of the business licenses and registrations. Make sure to take into consideration the start up cost as well. that’s true if you want to start janitorial business then considering your start up expenses is of utmost importance. You may also start off on a part time basis with minimum number of equipment.
You income potential should also be taken into consideration
If you are interested to go for the work from home concept then make sure you contact the zoning guidelines that govern your residential area. This will help you to know whether you will be permitted to start off your business from the comforts of your home or not.
Make sure you take up the right steps from the very beginning as this approach is sure to take to the next level of success If you start janitorial business from the comforts of your home then it will help you in a number of ways like…
It will help you to keep your expenses low till you succeed in establishing some customer base and accounts
It will help you to provide lower prices as a section of your primary business strategy
It will help you to work on flexible timings thereby allowing you greater freedom
It will help you enhance your number of hours of operation Once you start janitorial business and establish yourself as a successful janitor you can take a space on lease or rent. This isn’t all; you need to also get hold of some equipment like Dust mask, Hard hat, Heat resistant Gloves,mens north face jackets, Safety goggles, and Heat resistant Apron and slip resistant, steel toe shoes. Janitorial services comprises of the cleaning of the commercial buildings like hospitals,spyder ski clothing, schools, businesses,spyder ski jackets for women, warehouses, retail stores,moncler ski wear, parking lots,mens moncler vests cheap, manufacturing facilities and much more.I agree that a janitorial business will lack glamour and may appear what we call “mundane” but then the world of janitorial services has experienced remarkable growth in the last few years. Over and above, according to experts, this industry is sure to reach the pinnacle of success soon. So friends, if you have made up your mind to start janitorial business then this are the right time to start…go ahead and give wings to your dreams. Best of luck!

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