OFFLINE M A G A Z I N E Earn Money By Blogging!
Easy Online Income – Where To Start?
Top 5 Business Resolutions For 2012
Business Partners & Marital Partners, Will The Marriage Survive?
Characteristics Of A
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Stuff we put load 4 effort into of Top 5 Business Resolutions For 2012
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Promotional Products: Perfect Weapon For A Successful Business Marketing How To Define Your Target Audience
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Characteristics Of A Successful Businessman
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Online Marketing: A Necessity For A Successful Industry
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Easy Online Income – Where To Start?
As An Online Business Entrepreneur, Why Is Everyone Telling Me To Implement A Continuity Program? Work From Home With A Virtual Office Useful Tips When Choosing Credit Cards
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5 Rules For Negotiating Like A Pro A Guide To Saving For Retirement
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Stuff we put load 16 of effort into Action Vs. Inaction
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Adsenselover, Unique Ways To Make Money With
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Be Noticed!
Our Internet Business: How To Succeed Where Others Fail
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You Can Earn Money By Blogging!
Hiring A Virtual Assistant Can Help Your Business Grow
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3 Effective Tactics Every Business Should Implement 2 Steps For Increasing Company Profits Or Performing Business
Build Financial Freedom With Your Own HomeBased Travel Business
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Business Partners & Marital Partners, Will The Marriage Survive? Part 1
Don't Think Time Management - Think Conflict Resolution
Editor’s Note Welcome to this month’s issue of our magazine. This month we bring you some great new articles that will help you fast track your goals and success. We work hard to put together each issue of this magazine and welcome the feedback and contributions from all our loyal readers. A publication like this would not be possible without the support of our valued advertisers who provide relevant products and services for our readership. Please visit our sponsors as they know what you need to help you with all your endeavours. Lastly I’d like to congratulate you for investing your time to educate yourself by reading this magazine. We are proud to be able to help all our readers, and look forward to serving you for many years to come.
Regards,
The Editor
Top 5 Business Resolutions The New Year is here. A time of reflection and new beginnings, and more specifically the first quarter represents a perfect time to evaluate your business to understand your short- medium- and long-term goals to ensure steady positive growth. Take this opportunity to make changes to your business that stick instead of vowing once again to visit the gym more frequently and eat less junk food.
Here are five resolutions to strengthen and enhance your company success for 2012 and beyond: 1. Obtain a professional business appraisal on your company. If you don't plan on adopting any other resolution, this is one that you SHOULD take for the health, profitability, and value of your business. This does not mean that you are not a professional, but rather to obtain a valuation or appraisal on your business from a company that specializes in such analyses. With this document, you can see your business' projected growth and know specific business best practices to better manage and operate your company. 2. Enhance and diversify your brand. There are a lot of ways to improve your brand but perhaps the best thing that you can do is diversify your brand and introduce new products. You have to think of what your customers need or want and offer it to them. Perhaps your product is not apt for your market anymore. Besides, new products always create a wider customer base.
3. Check for expansions and franchising opportunities. Improving your location or increasing the number of locations of your company will reach more prospects. You can also improve your business by offering franchising opportunities. This will take your product closer to your customer, increase your customer base and with franchising options, lower risk of debt and grow your business with minimal capital. 4. Offer loyalty programs. This is another profitable way to attract customers. Many businesses have created a program to increase both loyalty and their revenue. Loyalty programs always ensure that your customers will be coming back for more. 5. Establish a greater sense of professionalism in your field. Customers always love working with people who are experts in their products and field. Of course, if they realize that you are an expert on your product, they are more likely to come to you for high-quality services and products. You have to establish yourself as an expert and you can do so by offering seminars or obtaining speaking engagements in conferences or if you have a website, constantly updating it with good and quality content.
OM 5
Promotional Products: Perfect Weapon for a
Promotional products are trendy weapons in any business marketing. Every year, a number of these products are manufactured and distributed to a myriad of customers who would love to receive corporate gifts. As they get the products, they will always remember the giver of the items and they will appreciate the gifts by keeping them at the longest time possible.
Promotional items are used for different purposes like rewarding employees, boosting old customer relationships, attracting new customers and boosting sales. By giving away these products, you can be sure that your brand name will go out and be known to the public. Often, these items are given away during events like trade shows and conferences. If you have ordered products like pens, shirts and mugs from your chosen supplier, you can be sure that your recipients will use these products and they will be proud of having one from you. Also, you can also giveaway these promo items after a sale. This strategy will make your customer feel that they get a bonus on their purchase.
Article Source: http://EzineArticles.com/6908631
As marketing tools, these products should be made with ensured quality and sophistication to make sure that the business can leave a positive impression to the recipients. This can be possible by finding the best promotional products supplier that will make wonders to the products. A good supplier should not provide just run of the mill items, rather, they should offer quality products that resulted from a combination of their creativity, skills and experience. They should be capable of supplying unique and noticeable items that will make any business standout from the rest. Their abundant knowledge should make sure that they get just the best products available. A good promotional products supplier should come up with items that are perfect for any budget and have long-lasting impression. They should understand the importance for businesses to make these products an integral part of their promotional campaigns to capture the attention of their existing and prospective clients. In any choice of promotional items, you should order customized items from your promotional products supplier based on the needs of your business so you customers can easily notice your message. It is a good idea to customize your products according to the style of your company instead of using just plain words. Keep in mind also that most of your customers can be environment-cautious so you would want to give them items that are environment-friendly, fashionable, easy to use and with higher quality. The use of promo products is a marketing practice that will allow businesses to have gains and returns. Often, when huge companies host an important corporate event, they present promo items that have their slogans and logo on them.
OM 6
How to Define Your
Target Audience The goal of every business owner that owns a product has the dream of their product being sold to millions of people. With a trendy society it could take one day and then a product could be sold out of every store in America. We saw this years ago around Christmas time with the toy "Tickle Me Elmo." We see this everyday with clothes companies. These companies are succeeding at an alarming rate because they are first selling their product to their target audience and then the target market is doing the rest of the work. Now, if you are a business owner, and let's say you have just started a kids clothing line. Maybe your sales have not been good because you don' have any idea who to market to, how to market and where to get started. In order to get your advertising campaign started, you need to first of all, define who your target audience is by asking yourself a few questions, such as: • • •
Are your clothes for wealthy parents who want to dress their kids nice? Are the clothes for every child? What age group of kids do you have in mind for your product line?
These are question that need to be answered before you can go on to be a successful business owner. For anyone that owns a business and is trying to boost sales, understanding who your target audience is, is the first step to successful advertising. Once you have a business you don't want to go around and persuade people to buy your product. You want people to find you and you want them to need your product. This goal is achieved by your target audience doing the selling for you once they love your product.
So how do we find our target audience? Surely, there are many ways to go about finding the desired target market. Going to venues where they would be and handing out fliers is one way. But what about having them find you? One sure fire way is to have a web site designed especially for your target audience to find you on the Internet. We aren't talking about just any old page. You need a business web page that is on the first page of search results in order to be right in front of your target audience. Google map advertising is another way to get in front of your target clients. By using Google map advertising you are creating ads that will be seen by your desired target market. The ads are shown to people that live around locally and therefore are the people looking for your product. Also, you are only paying for ads that are clicked on by people, meaning you are cutting out expenses by people that do not care about your business.
CHARACTERISTICS OF A SUCCESSFUL BUSINESSMAN Foresight. A successful businessman is able to "see" the future. He can read the sign and is able to adapt himself to these signs. As a result, he can take a look into the future and knows his vision. Creativity. He is able to tap into his creative faculties to discover the right business for himself. And when he has established his enterprise, he then uses his imagination and creativity in order to promote his products and services and gain as many clients as he can. Honesty. He treats his customers and suppliers with respect. By being honest, he establishes a good name for himself and for his business. While a lot of big businesses need complicated Public Relations campaign to deal with their problems in customer service, the honest businessman is loved by his clients and customers. Dependable. What he promises, he delivers. He even over delivers so that he can ensure that his clients are happy with the service that he provides.
Not every businessman becomes successful. A lot of them actually fail. Some failures are worse than others. And still, some businessman found that they can rise up from failures and become successful. If you are a businessman, you need to have the characteristics of a successful businessman.
Energy. He tirelessly works for the business, not minding the difficulties of overtime or the headache that staring at numbers for a long time can induce. He also uses that same energy to motivate his employees and charm possible customers. Character. As a businessman, being a man of character is important so he can become known as a good performer who will not balk at making tough choices for himself and for the business. Leadership. He inspires his people, knows how to motivate them and understands their needs and concerns. Note that he is not a slave driver or a master. He practices leadership by soliciting opinions from the grassroots, analyzes them and then implements the changes for the business and for himself. Teachability. He is willing to learn from anyone who is willing to teach him. He is not too proud to stand side by side with his workers. He is also keen on pushing the boundaries of theory and tries to apply everything he learns. Perseverance. A lot of businessmen make mistakes, encounter defeats and experience failure every now and then. But a successful businessman is one who can get up after each fall and continues to pursue his vision for himself and for his business.
Online Marketing:
If you're like a lot of on line businesspeople, you may be asking about the thought, "How does web marketing give a boost to my earnings?" Many years earlier, this was an unimaginable concept. Almost everything was accomplished with paper, and desktops ended up inside their primitive stages of development. At this point, as the planet grows into a completely new spot with new modern technology, sales are booming over the internet.
A Necessity for a
Internet website marketing is definitely a necessity once you possess or run an enterprise in today's modern age. Despite the fact that many companies however function as conventional entities with physiological regions, the web has appeared a completely new place. Almost each individual business enterprise and specialist has its individual website to share with the globe about oneself also to sell products and solutions. How does affiliate marketing enhance my earnings? Right now, there are many more companies on the internet compared to there was a years in the past. Website marketing contains a a lot further reach than does common online marketing at present. Whilst television commercials are good for catching viewers' attention, the number of issues a television station can make at 1 time may be very restricted. Producers are only able to crunch numerous promotions into a time period of 60 seconds. The internet is live at all hrs of your whole day, all year long.
You could use Google as well as PPC Youtube. com to carry persons towards your web site and obtain them to purchase your product or service. Online marketing need to be component within your enterprise approach You can perform a web advertising strategy on your own quite quickly, but lots of people want to hire someone to market their products to earn income. A web promotion business will be able to site promotions on websites available for you and can enhance material, so buyers seeking for a merchandise like yours are directed on your web-site. Search engine marketing features a widespread reach-one that extends to all corners around the globe.
Regardless of whether you present solutions or promote an item, it is necessary to know ways to market your item. So "how does internet marketing improve my product sales?" you could question. It permits you to succeed in a lot more shoppers than you'd probably in the physical market. The No matter where people today are located, they've got the web is really a lot more substantial than your local capacity to access your merchandise. When you provide community. your products domestically, bringing them to the on line market place opens you approximately the entire world and Conclusion can make significantly far more earnings than you'd probably get trading your product or service onsite. Among the list of Involving internet promotion, uncovering the appropriate best issues concerning merchandising your products on-line spot to showcase your merchandise just isn't complicated is that you have the capability to sell your product or service anymore. All you have to do is go online and uncover a and enhance sales and profits from a range of means. As potential clients who could be considering your solution. piece of internet promotion, you will be able to use online Develop an internet based advertising campaign that will video media promoting to showcase your product. This, help raise your revenue. Then, sit back and enjoy your certainly, will increase your revenues, as Persons come to be earnings. a lot more aware of the goods and services.
Article Source: http://EzineArticles.com/6865181
OM 10
EASY ONLINE INCOME – WHERE TO START? When a total beginner tries to find the best ways to make money online, the choices are endless from the point of view that there is so much information out there that it is extremely difficult to know where to start. Information overload is a huge factor if a person is not sufficiently single-minded to know what they want, or where to start to earn online income. So what are the best ways to make money online? That depends on one's circumstances. How much time can you give to working online? What budget is put aside to get started? If and where possible, set out a time schedule each day to give to earn online income and work it around your day job or whatever your daily routine is. Always stick to your schedule so that you give yourself every chance to make more money online. When it comes to setting aside a budget to get started, this is entirely down to what you are willing to spend, however there is some good news. To make money online you don't have to spend any money to get started. There are several ways to get started. You don't necessarily have to have any qualifications either. You can learn how to build a website, web traffic techniques, and advertise your website FREE! You do not need a website to make money online. There are advertising sites that need you to simply click on an advertisement to get paid.
You want to build an emailing list but you don't know how, there are free methods to get started. There are websites that show you how to build your list and when you get 200 subscribers, you can do ad swaps with other people with a similar size list. Ad swaps are exchanging emails with other list builders so you obtain their subscribers and they send you an email to give to your subscribers so that they obtain your subscribers. This is an all win situation because both you and the person you exchanged an ad with increase their email lists. The best part is it does not cost a dime! The most important things about list building are, be consistent, keep building and sending emails on a regular basis, make sure you are promoting good products, and above all respect your subscribers. Remember these guide lines so that you will have and keep up a good reputation online. The important thing is not to rush into any site scheme that comes your way. Check out and read before you commit and act according to what is most suited to you in terms of what method you prefer, cost and time you can give. Make sure that there is enough help and support and, of course, that you get paid.
As An Online Business Entrepreneur, Why Is Everyone Telling Me to Implement a Continuity Program? A continuity program on an online business is just like getting money on a specified day of each month to pay your hosting fees, your electricity bill, your telephone bill or anything else. Because you have an ongoing income on a specified day of each month, you find it easier to pay your bills because you have a consistent income to pay your bills.
I will try to explain my point with an example. If you sell an eBook for $10.00, you only get the specified $10.00, but if you feature an eBook a month for $10.00, you are guaranteed at least $10.00 a month just from one customer. If you have more than one customer, you are guaranteed these funds as a subscription (continuity program) until the customer cancels his/her subscription. Usually, these types of programs catch on fast through word-of-mouth
To put this simply, you know how much income this program from your customers, so any continuity program that is in place on your is going to generate on that day of the month, so if you business website tends to grow very quickly. budget, you know how much money from your online It is not hard to put a concept like this in place when you are an online endeavors you can count on. marketer. When you made your website, you researched if what you Not only does this program generate an income on that had to offer was what the public wanted right? So you have a general specified day of the month, but it will, in time, revolutionize idea of the type of programs that work for you as a business your business. This program gives you freedom, peace of entrepreneur.
mind and security in your business. As a general rule of thumb, the members of your monthly program will become your best customers and they'll buy additional products and services that you recommend.
Always remember that people always want specific results. However, just like the samples in your grocer's store (taste tests), consumers want to try before they buy. It is a great idea to give away a sample to see if the people think that your continuity program is what they are seeking. Usually, people sign up after the trial run is over and you A continuity program can double or triple the customer value generally get a loyal customer out of your endeavors.
you receive per customer believe it or not. If you don't want to hand a trial run out as a sample, offer something In some cases, about 2/3 or more of the sales can come from else of equal or greater value that can be specified as a one-time only offer. Don't forget to focus on the topic of that free gift and make sure this same program. to state the results (typical) they'll get from your gift.
But, what is a continuity program? Some examples of these types of programs are things such as membership sites, paid Both of these methods work well, but what kind of income do you have each month if you don't have a continuity program in place? newsletters, resale rights or private label right products or things like that. Article Source: http://EzineArticles.com/6915020
OM 12
Work from home with a
Virtual Office
Increasing workloads are forcing people to spend more time in the office, even when the office is at home. This means that many parents are unable to stay involved in their children's lives as they develop, and are becoming mere spectators instead of loving role models. The result is an undermining of their relationships, higher stress levels, a lack of balance and a generally unfulfilled life. However, this should not be the case. Working at home allows greater freedom and independence and should result in less time being wasted. Yet many of us fail to successfully make this transition. Discipline is a key factor when running a business from home using a virtual office. Here ways you can successfully work from home and enjoy the benefits using a Virtual Office... Establish a routine - Structure your day so that it is both purposeful and productive. Decide on a starting and finishing time for your day; allow for breaks so that you work smarter, not harder. Doing this will also allow you to better differentiate between work and home, and will encourage you to be more professional. Focus on your strengths, outsource your weaknesses - Spend the maximum amount of time working on the parts of your business that you are best at. If your billable time is worth $200 an hour, then make sure you spend most of your time on the activities that will produce that for you. Investing in a virtual office is key (see Virtual Offices. Avoid filling up your day with non-productive activities. Invest your time and money into the right areas of your business; don't just keep yourself busy. Organise your environment - Have the right tools and systems to work with - an appropriate chair, desk, computer, filing system. In addition, using a Virtual Office, meeting clients in an executive boardroom in a sky rise office building, will show your professionalism and will inspire confidence in you. Declutter the clutter - A messy working environment which forces you to be continuously spending valuable time searching for things, whether files and emails on the computer or documents in filing cabinets and cupboards, cumulatively wastes hours a day. In fact The Wall Street Journal found that the average white collar worker spends 6 weeks a year looking for things around the office! Clutter is distracting and causes stress, and it is the primary enemy of productivity.
Learn to say 'no' - Inform your family and friends of your working hours and that because you're working from home doesn't mean you're 'available'. If you were in a corporate office, you would not allow your friends to drop by. Enforce these same rules at your office at home. Network to expand your business and your mind - Join local networking groups to meet other like-minded business people. Share knowledge and discover new ways of doing things. Check out your local council and chamber of commerce. Enquire about active small business networks. Join your own trade association and share ideas. An organised business referral group can also be of enormous benefit to the home based business owner. Take time out for you - It can be easy to lose yourself in your work. Take time to 'smell the roses' and to make human contact. Go for a walk every day. Have a weekly or fortnightly massage. Visit the gym more often. It's generally the simple ideas when acted upon consistently that will make a dramatic impact overall in your business and your life. You'll feel happier and more fulfilled. You'll also discover extra time in the day that you never had before.
Useful Tips when Choosing Credit Cards Chances are you have received your share of "pre-approved" credit card offers in the mail, some with low introductory rates and other perks. Many of these solicitations urge you to accept "before the offer expires." Before you accept, shop around to get the best deal. Credit Card Terms: A credit card is a form of borrowing that often involves charges. Credit terms and conditions affect your overall cost. So it's wise to compare terms and fees before you agree to open a credit or charge card account. The following are some important terms to consider that generally must be disclosed in credit card applications or in solicitations that require no application. Annual Percentage Rate: The APR is a measure of the cost of credit, expressed as a yearly rate. It also must be disclosed before you become obligated on the account and on your account statements. Some credit card plans allow the issuer to change your APR when interest rates or other economic indicators - called indexes - change. Because the rate change is linked to the index's performance, these plans are called "variable rate" programs. Free Period: Also called a "grace period," a free period lets you avoid finance charges by paying your balance in full before the due date. Knowing whether a card gives you a free period is especially important if you plan to pay your account in full each month. Without a free period, the card issuer may impose a finance charge from the date you use your card or from the date each transaction is posted to your account. If your card includes a free period, the issuer must mail your bill at least 14 days before the due date so you'll have enough time to pay. Annual Fees: Most issuers charge annual membership or participation fees.
Transaction Fees and Other Charges: A card may include other costs. Some issuers charge a fee if you use the card to get a cash advance, make a late payment, or exceed your credit limit. Some charge a monthly fee whether or not you use the card. Other Costs and Features: Credit terms vary among issuers. When shopping for a card, think about how you plan to use it. If you expect to pay your bills in full each month, the annual fee and other charges may be more important than the periodic rate and the APR, if there is a grace period for purchases. However, if you use the cash advance feature, many cards do not permit a grace period for the amounts due - even if they have a grace period for purchases. So, it may still be wise to consider the APR and balance computation method. Also, if you plan to pay for purchases over time, the APR and the balance computation method are definitely major considerations. You'll probably also want to consider if the credit limit is high enough, how widely the card is accepted, and the plan's services and features. Useful Tips: Keep these tips in mind when looking for or using a credit or charge card. Shop around for the plan that best fits your needs. Make sure you understand a plan's terms before you accept the card. Hold on to receipts to reconcile charges when your bill arrives. Protect your cards and account numbers to prevent unauthorized use. Draw a line through blank spaces on charge slips so the amount can't be changed. Keep a record - in a safe place separate from your cards - of your account numbers, expiration dates and the phone numbers of each issuer to report a loss quickly. Carry only the cards you think you'll use.
5 Rules for Negotiating Like a Pro
No matter whether you are negotiating a raise with your boss, negotiating a vacation schedule with you exspouse or negotiating with a seller or buyer on an on-line auction, there are certain rules or principles that will help you settle your disputes. Social Media marketing has ushered in a new age of Rule 1. Focus on the goal. Don’t be distracted by your emotions. It is important to check your emotions at the door before trying to negotiate anything. Emotions such as anger can make one lose control. We have all seen someone who gets red in the face and starts shaking his finger and generally looks as though he could easily have a heart attack. Sometimes that person is so mad that he is incoherent. You need to get past that stage if you are going to succeed. If you are the one who is angry and upset, you need to focus on what you hope to accomplish and tell yourself that nothing is going to stand in the way of that goal. It really does not matter whether you like the other side or not. Some parties are rude, obnoxious and insulting. Try to get past these insults so you can focus on resolving the dispute. The other side may be baiting you so don’t give them the satisfaction of knowing they have gotten to you. If you focus on the goals of the negotiation, it won’t matter whether you like or respect the other party. Rule 2. Look forward, not back. The past is called the past for a reason. If one party gets too involved in what has happened in the past, it can be counter-productive. One party in a divorce case, may be so intent on documenting everything the husband has done wrong, that the wife is not even thinking about the goals of the negotiation beyond blaming the husband. You have to figure out a way to get to the present and deal with current issues of custody or visitation. Ask the other party what they want now to resolve the dispute. Rule 3. You don’t have to be right to settle. What are the three words we want to hear the most, even more than “I Love you”? We love to hear those magic words, “You are right”. For some people, this is even harder to say than “I love you”. And if you say, “You are absolutely right”, that is even better. When someone says, “It is the principle that counts” or “It is not the money, it’s the principle!” I know that the negotiation is in trouble. That is because the party is making a judgment call that it is more important to be a martyr than settle the case. When someone is obsessed with the principle of a situation, he/she is still emotionally vested in his/her feelings. Unless you can get beyond those emotions, the dispute is not likely to be resolved. Feeling that you are right can be a heady emotion, but it has no place in the negotiation. If the other side is only interested in being right, chances are the situation won’t be resolved.
Rule 4. Know what you want and what the other side wants. Knowing what you want may seem obvious, but many parties don’t know what they want. They are so angry that they have not even asked themselves how the issue can be resolved. If they don’t know what they want, how can they go about getting it? They may want to hash and rehash the circumstances that got them into this negotiation. Depending on the complexity of the situation, you should have a detailed plan of what you want. In addition to knowing what you want, you also need to know what you are willing to give up to get what you want. Generally you can get what you want if you are willing to pay the price for it. Don’t ever begin a negotiation without knowing what you want.
Rule 5. Be prepared and do your research. Once you have an idea what you want, you must do your research and preparation. That could be as simple as listing your arguments on a sheet of paper or as complex as doing the research to cost out a request for wage increases. Either way, you need to be prepared. Otherwise, you might make a concession or agreement that you will later regret. You need to know the rationale behind your requests and a good estimate of the costs, including the future costs. Nothing is more embarrassing than making a presentation and having someone question the accuracy of your numbers and having the whole presentation fall apart because the data is confusing, or even worse incorrect. If you are not completely prepared, consider delaying the start of the negotiation. If you go in with little or no information, and try to wing it, you will regret it later. You cannot be overprepared. Even if you don’t use everything you prepared, it does not matter. It is important to have as much information and research as possible just in case you need it.
OM 15
A Guide to Saving for
RETIREMENT Saving for retirement begins early, and often we can overlook important Try keeping it simple with a six-part approach: One large-cap fund, steps unknowingly. Here's a quick guide for making sure you're getting one mid-cap, a small-cap, an international fund, a bond fund, and a the most out of your retirement savings. money market fund. For the more advanced investor with multiple savings goals, a well-diversified portfolio typically consists of Analyze your needs sooner than later. owning 15 to 20 funds. The step most people skip is figuring out just how much money they'll need in retirement. Try to consider your lifestyle. What are you expecting your retirement to be like? International travel? A second home? These are all things to consider when building your savings. You should also keep in mind that, if present trends hold, you may need to pay for much of your own health care because many employers are cutting or reducing the amount of money they spend on retiree health coverage. As you analyze your needs, take into consideration any other resources you may have to tap, such as savings outside a 401(k) or real estate when you do retire. Don't neglect your 401(k). The best place to start when it comes to putting money away for retirement is your 401(k). After all, your company's 401(k) retirement plan offers you one thing you'll get few other places: free money. For every dollar the average worker puts into their 401(k), their employer contributes 50 cents. Many people don't contribute, or don't contribute as much as they could. Be sure to add to your 401(k) as often as possible. For those who do, consider boosting your contribution to the max. The maximum number you can add per year to your retirement savings increases at the rate of inflation. Check with your employee benefits office to make sure you're getting the benefit of your entire match. Government rules try to make sure that retirement programs aren't being run for the benefit of top execs. . Get the allocation right. Whether you're saving in a 401(k) for the first time, or reassessing your current savings, you'll want to make sure the mix of investments you have is right for your age and the amount of risk you're willing to take on. GPS location is also a successful tool that mobile marketing Remember, simply being diversified enough has a bigger impact on your returns than which funds you choose. Take time to examine the list of funds offered in your companies plan and toss out the ones that don't fit your asset allocation. Keep in mind that your investment options may be limited, depending on what your employer is offering. If you have a question, check with your Human Resources department. Keep in mind that stellar short-term performance alone isn't a reason to buy.
Put your finances on automatic. If your problem is that you find it difficult sticking to a savings plan, then your best bet is to go automatic. This way your employer will take the money out of your paycheck before you have a chance to spend it, and put it directly into your 401(k). If you don't have a savings plan at work, or you have the ability to save more money than your 401(k) allows, consider investing elsewhere. You can open up an account with a bank or brokerage and instruct them to automatically debit the funds from your bank account. And if you feel comfortable with this, you may just feel comfortable automating other areas of your financial life such as credit card and utility payments. Log onto your bank's Web site for details.
Action Vs. Spring is a great antidote to long cold winters. It's the same with action and inaction. Action is a powerful antidote to the stagnation of inactivity. Being creatively alive involves abandoning a position of inaction in circumstances which have traditionally immobilized you. The name of the game is action. Doing. Overcoming your inertia and acting will give you a whole new lease on being creatively alive. Action is the single most effective antidote to depression, anxiety, stress, fear, worry, guilt, and of course, immobility. It is virtually impossible to be depressed and active at the same time. Even if you wanted to, it is difficult to keep on moping, complaining, lolling around and wallowing in selfpity if you get active and do something. Anything! Just doing is such an important part of being a fully functioning person.
In fact, that lack of action is not a result of depression; it is the cause. Don't be paralyzed by the fear of making a mistake. Taking action, gives you momentum. Initiating the effort attracts opportunities and synergistic things happen. Inactivity, on one hand, is most often a choice rather than an inescapable fact of life, while action is a definite way to avoid being victimized by yourself or others. If you decide to do something about your problem or challenge, rather than grumble about it, you'll be on the road to changing things around for yourself. When you take action, you also take control. Thinking keeps you a prisoner of the past. Action puts you in control of the future.
If you find yourself asking, "Yes, but what can I do" the answer is very, very simple. Anything is a lot more effective than nothing. This old proverb has a lot of truth in it: Even when you are on the right track, you'll get run over if you just sit there.
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ADSENSELOVER, UNIQUE WAYS TO MAKE MONEY WITH Monetizing Your Website With Adsense Is Profitable! How do you maximize your site? By earning some few dollars per click from displaying Adsense ads on it. Many are now realizing that good money is made from this source of revenue. Try the simple mathematical computation of multiplying those clicks for every page on your website and you get a summation of earnings equivalent to a monthly residual income with that little effort you have made. Google Adsense is a fast and easy way for website publishers of all sizes to display relevant and text-based Google ads on their website’s content pages and earn money in the process. The ads displayed are related to what your users are looking for on your site. This is the main reason why you both can monetize and enhance your content pages using Adsense. How much you will be earning will depend on how much the advertisers are willing to pay. It will depend also on the keywords required. If the keywords the advertiser have chosen are in high demand, you could receive more dollars per click. On the other hand, low demand keywords will earn you just a few cents per click. How can you start making profits out of your website using Adsense? 1. Sign up for an Adsense account. It will only take a few minutes of your time. 2. When the site is accepted, you will be receiving a clip code to include in your web pages. You can insert this code on as many pages or web sites that you want. The AdWords will start appearing immediately after. 3. You will be earning a few cents or some dollars per click when someone starts clicking on the AdWords displayed on any of your web pages. Trying to earn false revenues by repetitively clicking on your own ads is a no-no. This will result in a penalty or the possibility of your site being eliminated. The money you have already earned may be lost because of this. 4. View your statistics. Adsense earnings can be checked anytime by logging into your web site account.
Once you got your account working, you may still want to pattern them to the many sites that are earning more money than you are. It is important to note that there are factors affecting how your website will perform and the amount of money it will give you. It is a common practice that when a site earning money, the tendency is for the owner to want to make more out of what they are getting already. It usually takes some time combined with trial and error to attain what you want for your Adsense contents. Time and some important factors that you can practice and use. How do you increase your Adsense earnings? 1. Choose one topic per page. It is best to write a content for your page with just a few targeted phrases. The search engine will then serve ads that are more relevant which will then result in higher clickthoughs. 2. Using white space around your ad. This can make your ad stand out from the rest of your page so visitors can spot them easily. There are also other choices of colors you can use, provided by search engines, which can harmonize the color of your ad with the web page color. 3. Test your ad placement. It is recommended to use the vertical format that runs down the side of the web page to get more positive results. You can also try both horizontal and vertical formats for a certain period of time to see which one will give you better results. 4. More content-based pages. Widen the theme of your website by creating pages that focus more on your keyword phrases. This will optimize the pages for the search engines. It can not only attract traffic but also make them more relevant for the AdWords to be displayed. 5. Site Build It. This is the perfect tool to be used for creating lots of Adsense revenues. Site Build It has all the tools necessary to quickly achieve a keyword-rich site that can rank high in the search engines. This will also produce a flow of traffic to your site of highly targeted visitors.
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BE NOTICED! With business cards, that is. They are one of the most powerful weapons in marketing your business or company is through the use of your business cards.
Have a tagline. This is a one-sentence benefit statement. Just pretend that you are writing an ad for a newspaper or a billboard. Sine you only have a limited space to write your tag on, think of something that can describe best what you want to say. This will likely catch the attention of the ones reading your cards. Put a picture on your cards. Studies have shown that people have the tendency to keep business cards with a photo on it. It could be a picture of you, your products. Better if it’s a combination of them both. Putting on a picture is highly recommended because they get attention.
Many people have not been using their cards effectively in making them achieve some results and sales to their site and business. With the many people using their business cards as a marketing tool nowadays, there is no guarantee that yours is the ones that they will notice. How do you make them stand out and be the important tool that they are? Use full color printing. Full color printing was expensive before but not anymore. With the many printing companies offering full color printing, you can already an inexpensive printer that give high quality prints. Prices now have dropped because of the abundance and stiff competitions.
Do not use business card templates. There are many websites offering already-made business card designs that are called templates. The problem with using them is that many people may have used them already. Thus, using them on yours will make your business cards appear just like everyone else’s. So much for standing out. Let a professional do the designs. It will take a lot of time if you will be designing your card yourself. And chances are, you would not be happy at the results. Leave the designing to the professionals and let them do their work. You do your part in selling the product and service. Try to follow these tips and see the change in the result it will give you. Sometimes trying out different styles and techniques, even though risky, can bring more positive than negative results. Try to find the ones which will work out for you and make the most of what business cards can do.
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our Internet Business: How to
If you're in the market for a business opportunity, the chances are good that you've explored a variety of ways to make money online and work from home. In truth, there are so many Internet business opportunities out there that it's almost impossible to tell the best from the rest. And the grim reality is that, while thousands of people launch online businesses in the hope of achieving financial freedom, the majority end up making very little money at all, or worse, paying out more money to their uplines than they're ever able to recoup.
The good news is that, with the right partnership, you can promote your existing business while multiplying your revenue streams. That way, you don't have to rely on a single, make-or-break source of income. It's a bit like planting a garden. It would never cross your mind to plant a single seed in the spring and count on that to feed your family throughout the summer. Instead, you'd plant many varieties of seeds, knowing that one or more will bear fruit as the seasons progress. The Internet business partner you choose should be one that can provide you the one thing that is the downfall of most work from home opportunities: training. All too often, people who intend to succeed come up against their own limitations and fail to properly market their products. In our garden analogy, that's like planting your seeds in a drought why bother? The company you select should have a proven track record of Internet marketing success, and give you the water spigot and hose you need to tend to your business garden.
So, make sure to look for a company that provides you with training on topics ranging from online and offline marketing to back office functionality and goal setting. They should also be equipped to provide you with tutorials on a wide variety of powerful marketing techniques. After all, there's stiff competition on the Internet, and in order to successfully compete, you need to know all there is to know about methods such as article marketing, blogging, email marketing, banner advertising, press releases, pay-per-click advertising, and viral marketing - just to name a few. At the same time, being knowledgeable about Internet marketing doesn't mean that you need to reinvent the wheel. Instead, look for a business opportunity that provides you with tools like professional lead capture pages, automated follow-up, a sales center, and a secure website. Ideally, they should also provide you with highly sought after products that you can resell - items like audios, videos, software, templates, and guides. This way, you can increase those revenue streams by earning a healthy commission on every sale, and still have the professional infrastructure in place to promote your existing business. When you know what to look for, it's not difficult to separate the best Internet business opportunities from the dregs. In no time at all, your seeds will have sprouted, your plants will bloom, and you'll be reaping a bountiful harvest.
You can Earn Money by
Once your offering is announced to companies, consequently, they will contact you for an ad space on your blog. Google, meanwhile, will place any ad that has keywords related to your blog. Any which way, you are guaranteed to earn. Other ways to secure earning from your blogging activities is to become an affiliate partner to another company. There is a popular affiliate program, which provides commission to its partners for every click on the ad, placed on their site/blog. You will also get a percentage from the sale of their product made in your blog. There are plenty of affiliate programs with varied commission percentages. Others even offer profit sharing.
Indeed this is true. If the first outburst of blogging in the Internet was introduced for hobbyists, now, you can enjoy doing it, while earning thousands of dollars. Yes, truly and surely, you can make money blogging. Realistically, the most you can make is a few hundred dollars a month that cannot be found on trees or scoffed at. Nowadays, the Chillicious, a social network of bloggers, have provided more options and ways wherein you can maximize your earning potential by blogging. Do you want to make money blogging? Then, choose an ideal blog site that will cater to your requirements for a blog, sign up, create a blog and publish it right away! Blogging sites allow you to build blogs according to your tastes. Others have HTML and link options. Others have customized templates where you can change your blog page's color and design. In between signing up and creating a blog, though, you must know what subject to blog about. Your subject is an important consideration, so take your time conceptualizing before jumping into the fray. If you must know, the subject will be the determining factor how much money you can earn with the blog you're going to create. Try to look for subjects or topics that pay more from per click among others. Check out Google AdWords and AdSense to know how much each clicks on a subject costs. Google AdSense then allows you to place ads on your blog. Once a user happens to open your blog and click on the advertisement, you will earn money on it. Just that!
If you are blogging for a specific cause, you still can take advantage of it in a positive way. You can earn money blogging for a cause. You can ask people to give donations for a specific cause, though most of it will go to you. You can use the PayPal donation button and put on your site. There is also Amazon with its honor system that sets up a donation button for you. Are picking up nice ideas already? Well, here is one you will definitely enjoy, how about making money through blogging about unique merchandise and then offering them up for sale simultaneously in your blog site? There are people who would gladly spend for merchandise that are custom-made, unique and totally out of this world! Edit your blog headline into a catchy one, create your very own logo and then offer up these kinds of items with your logo in it. It will be a sort of brand tag. There are online companies that allow you to design your own items and those that allow you to custom design your logo, too. You will see how it will boost your blog once people start wearing and using your items with your logo attached in it. Do not just concentrate on one way of money – earning opportunity. You can even combine these methods and earn more.
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Hiring A Virtual Assistant Can Help Your Business GROW In today’s tough economical times it’s hard to think of hiring someone else to assist you, but it may be more cost effective than you think. If you’re spending a large percentage of your day doing “busy work” rather than working on growing your business or gaining more clients, a virtual assistant may be right for you. Are you a writer, but spend more time researching and less time on your actual writing? Are you a professional coach, but spend more time with your newsletter and other day-to-day things and less time finding new clients? Are you a realtor, but spend more time on your mailings instead of getting new listings? Maybe you’re the home business owner and you’re Webmaster, receptionist, and assistant all in one, but you aren’t productive enough. These are circumstances where an assistant could be used. Now you’re thinking, my business is too new or my business is too small for an assistant. A “Virtual Assistant” could be your answer. A Virtual Assistant only works when it is necessary. In other words, you only pay when there is work to be done. You might only need someone to send out your weekly newsletter, do some research for the book you’re writing, keep your schedule/calendar, do a mailing for you, or all of the above. Whether it is one hour a week or 20, your VA will be there for you. She or he can live anywhere, so you do not need to provide office space or equipment. Taxes, social security, and benefits won’t be a worry for you because your VA is working for herself.
Finding and hiring a VA is also an easy process. With technology always progressing and more people wanting to stay home with their families, many assistants are leaving the workplace and starting their own businesses from home and bringing all of their experience with them. You can get their resume and references or just hire them for a small job. As your partnership grows you’ll feel more comfortable assigning more work. At any time, if either of you feel it isn’t the right fit you can easily convey this to each other and end the partnership.
Trying a VA may be the best thing for your business whether it is small, large or just beginning. Focus your attention less on your usual busy work and more on growing your business. You may be pleasantly surprised at what a VA can bring to your business.
3 Effective Tactics Every Business
Do you remember your first day as a business owner? You were probably just like the rest of us... pretty darned happy and bit on the proud side. Yeah, back then we thought we could conquer the world. Now we're too busy conquering our own little corner of the world to pay a lot of attention to the rest of the world... unless it's to learn a few tips from successful marketers just like us who have made it big. Tips just like these... that will apply to every market - regardless of the product or service - are a great motivators to try something new. Yeah, you never know when the next idea will be worth a million dollars! 1. Create a Special Offer A special offer is exactly that... an offer that is special. Normally, customers would not be able to purchase this product or combination of products, and once the products are gone... sorry! You don't have to go out and order a bunch of new products to put together a special offer. It don't take a whole lot... just use what you've got. Grab a few items that are related, group them together, discount the price, and your customers will be excited to be getting a good deal. Think about it from your standpoint... you've sold three or four items rather than one. Yeah, combination offers are winning deals for everyone! 2. Address the Small Customer Groups Niche markets are everywhere, right under your nose! Within the customer audience that you serve right now are groups of people who share common traits. Think about it... maybe you have a group who speaks Spanish, a group of teens, and a group of middle class family men and women.
Evaluate these classes of people, and discover the unique needs and desires they share. That will set you up to customize your advertising campaign directly to them. It’s not hard to take your current ads, and make a few changes to adjust to the niches. They’ll be impressed that you understand THEM, and the increase in your profits will be the best thanks you can get. 3. Set Up a Winning Referral Program Successful marketers develop the ability to turn their customers into advocates. Often, they don't even have to directly ask customers to refer them to others. Their willingness to go the extra wins customer loyalty and support. Naturally, satisfied customers refer their friends and family to the place that will take good care of them. Quality service and is the first step toward referrals, but you can easily take it one step further. Studies show that every satisfied customer tells three people about you. What would happen with a little incentive added to the picture? Yeah, a lot more. Give customers who refer friends a thank you - whether it's a discount, special gift item, or a simple thank you card - and watch the referrals spiral! You can get two birds with one stone by implementing customer surveys. A few quick questions about what the customer does and doesn't like about your product, followed by a request for the names and addresses of friends and family who would benefit from the product, and you're all set to go with the contact information of a prospective customer!
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2 STEPS FOR INCREASING COMPANY PROFITS OR PERFORMING BUSINESS 1.
Eliminate waste
Eliminate reports, habits, products, duplicate input, and processes that waste time and money. These drain labor, money and energy from the business. Two-thirds of products or services sold incur more costs to produce than they are sold for. These are a drain on profits. These losers can be reduced by either increasing prices, reducing direct costs incurred in producing the product or service, reducing overhead costs allocated to the products or services, or discontinuance of selling of the product or service. Some of these profit robbing costs may be found through asking employees for feedback on duplication of efforts, unused reports, and other wastes of time or money, or through cost accounting or other analysis systems. Eliminating waste increases the amount of space, labour, time, energy and money available for other profit-making activities.
2. Reinvest a portion of the savings in profitgenerating activities. Once the waste reduction frees up money, time, labour, space and energy, invest part of the savings in continuous improvement. Some of these continuous improvements are already in most company’s budgets. Equipment replacement (depreciation), marketing, training and research and development are all current cost or expenditures to generate future profits. An analysis of return on investment of discretionary expenditures should find further areas where the investment will yield results. Investment should be made in a combination of projects with short payback periods and those with high rates of return.
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Build Financial Freedom with Your Own Home-Based
Many people are looking for financial and personal freedom by starting their own homebased business. The opportunities are endless, just depending on your own interests. You can be responsible for your own success and enjoy the fruits of your labor. One of the most appealing factors in a homebased business is the freedom to work when you want. You can set your own schedule and work as often or as little as you would like. There are no bosses or other employees to worry about. It is up to you to set the limits and goals for your business. If you want to work full- or part-time, the decision is yours. Start a Home-Based Travel Business
A very successful field for many people is a home-based travel business. Being a home-based travel agent means making available travel products produced by someone else. You can do it two ways. You can be a referral agent, directing people to a travel agency. Then you would receive part of the commission on these sales. You can also book your own vacations and travel. You will receive a commission on that as well. The second way to have a travel business is to be a booking and selling agent. You would deal directly with the clients to help them find the kind of traveling experience they are looking for. Then you would research the options for them. You would deal with the travel supplier, looking for the best options. Then you would present the options to them and let them choose what they want. After they have decided, you would make all the arrangements for them. In exchange for all this, you would receive a higher commission than the referral agent.
Get Help Online Becoming a home-based travel business is not complicated. There are many online sites that will help you get started. You don't need a lot of money to start out and you can get plenty of information and support. By checking these sites, you will learn how to get started and have many of your questions answered. They can help you get started in an orderly manner and have a professional home-based travel business ready to go. There are numerous places online to find discount travel packages, coastal vacations, and many other travel ideas. You can choose whom you will work with and enjoy the benefits of helping others. You will find the business opportunity is only limited by your time and motivation. Be Successful In Your Home-based Travel Business Even if you do not want to have a fulltime home-based travel business, you could earn enough to give yourself free trips and share discount travel with your friends. You can earn enough for a decent second income even if your time is limited. Whether you want a home-based business as a full- or part-time job you will find that some great opportunities are available. By starting your own home-based travel business, you can build your financial freedom from a dream to a reality.
Business Partners & Marital Partners, Will the Marriage Survive? Part 1 With today's economy, and the layoffs occurring as a result of these economic conditions, more and more people are opting to start their own business. Due to the low start up costs, the prevalence of homebased businesses is on the rise, many of these started by husband and wife teams.
Delineate responsibilities according to likes and dislikes and who will do the best job. We all have our little niches, and if it is something we like and do well, we can accomplish it better and more efficiently. Once the responsibilities have been delineated, make up a schedule for each item you both need to deal with. Again, you must be able to act as each others back up.
With the move from the corporate world to the home-based, couples are finding that a new set of problems are occurring. In the corporate arena, two major areas of importance are profits and communication with employees. This is done through evaluations, reviews, meetings, or a company newsletter outlining company policies and news. All administrators realize that a happy and informed employee is more efficient and productive; in effect, increasing their profits.
Marketing is a major obstacle. Most individuals do not like to use cold calling as a medium to promote their business. Be sure both of you are involved. Do not let one person handle this. In addition, develop a marketing strategy. Will you market daily, weekly, monthly? What kind of marketing will you do-advertising, cold calls, direct mail, etc. Again, be sure you both are involved. This is important because money and marketing are tied together. The more you market, the more aware the marketplace will be of the services you offer. If only one individual is marketing and monies are fluctuating, there is more tension between the partners to make the business successful. No one individual should have to carry this on their shoulders, or perceive that they do. In addition, with both spouses marketing, one person cannot blame the other for the success or failure of the business.
Research on martial separation and divorce indicates two of the main causes of separation and divorce are communication and money, very much like corporate concerns. In the past, spouses worked in their respective jobs, and came home to discuss what was going on in the work place. In effect, they were sounding boards for one another. With the move to the home front, especially with starting up businesses together, the sounding boards are gone. In effect, placing couples in a start-up business can cause a myriad of problems, previously seen only in the corporate world, in addition to the normal stumbling blocks of starting up a business. Too many couples working together are not practicing good communication skills. Lack of communication, can cause one spouse to feel that he or she is carrying all the business and monetary responsibility. Keep Your Marriage Solid If you and your spouse have decided to run a business together, be sure to discuss and outline the following: Delineate responsibility. Decide who is going to handle what business matters. In addition, be sure you both know how to accomplish these functions. Unfortunately, illness occurs - you need to be able to back up each other in all aspects of the business. For example, if one of you does all the bank statements, be sure your spouse understands how this is accomplished, so if necessary, they can also handle this responsibility. If you have a set procedure you follow and a way you want it done, make up an outline, so it is accomplished in the manner you want. Marketing, return calls, daily correspondence, invoicing, weekly and/or monthly expenses, supplies, calendaring, appointments, deposits, bank statements, implementation of the business plan, attendance at meetings (e.g. Chamber mixers, National groups, User groups, etc.) all need to be taken care of. You will have to split these responsibilities between you. Again, be sure you know how each is implemented, so in an emergency, you can back each other up.
The Most Important Tool Remember, the most important tool you both have is communication. Don't expect your spouse to read your mind. Keep the marriage and business separate. It's difficult, especially if you are home-based, but it can be done. If you have a problem with the way your spouse is accomplishing a task in the business environment, discuss it immediately. Do not wait. Do not let this build into anger that is transferred to your personal relationship. Remember that keeping your business and personal relationships separate is very important to the survival of both your business and your marriage.
Don't Think Time Management -
Think CONFLICT RESOLUTION David began, "I have a major time management problem. As an editor, I often get two clients calling with assignments. They call around ten AM and both want their projects completed by midafternoon. Then a third client calls around lunchtime with a crisis. So I have too many projects – all at once. The next day the phone is silent." David’s dilemma made me think of Jennifer, who worked for two bosses, Blue and Green. Blue would give her an assignment to be completed by noon. Green would call five minutes later with another assignment – you guessed it – to be completed by lunchtime. Jennifer was stressed and frazzled all day long. We helped her negotiate with her internal customers – her management team – to set up a service delivery schedule that would be fair to everyone.
Whether your customers are internal or external, the key is to design consistent policies to avoid conflict. Here are some suggestions that worked for my clients. 1. Train your customers from the get-go. Clients typically are nice people who have no clue about what it takes to deliver your service. For example, one client sent me a project, along with a ten-page single-spaced set of "notes." When I called with a question, she asked, "Can’t you just read the notes?" I explained that I might spend an hour searching for the answer to my question -- and I would have to charge accordingly. Sometimes clients will pay the fee as long as they get to remove themselves from the fray – but sometimes they’ll prefer to become more involved. It’s up to you to give them that choice. 2. Develop a conflict resolution plan before you need it. As you face conflicting demands, develop a system so you won’t have to play referee every day. You can insist on 24 hours notice, command extra charges for rush jobs, or adhere strictly to first come, first served rules. Working for a company? Get everyone to agree on a rule for setting priorities. Match your communication style to your organization’s culture. If nobody wants to negotiate, or if you’re working late on everybody’s projects (while the folks who assigned those projects left hours ago), your challenge becomes, "how to deal with unreasonable bosses."
3. Design your promises ahead of time. When a client’s on the phone, it’s so tempting to say, "You only want to pay X dollars? No problem." Or you invite everyone in a class to send questions, which you promise to answer within 24 hours. Off the phone, you realize you’ve just committed to an hourly rate that’s a fraction of your normal fee. (We’ve all done this at least once.) Either you deliver a half-baked solution or you put in lots of unpaid overtime. And either way, you’ll find yourself resenting the client and wondering why you got into this business in the first place. Lessons learned: Conflicting demands? You’re not facing a time management challenge. You’re looking for a new strategy -- a way to mesh your preferred working style with the needs of your clients – and a set of policies to protect you from your own generosity.