Volume 2 Issue 5
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Monumental Report
Special points of interest: Ways to Avoid Small Business Failure.
Why Small Businesses Fail (or Fail to Thrive and Grow) Here are 14 top reasons, which might help you to determine why your business isn’t growing and thriving. Some of them are related to learnable business skills; others relate to personal attitudes, habits, or self-sabotaging belief, which are not so easy to change, except through coaching or other self-development work. Mistaking a business for a hobby: Just because you love something doesn’t mean you should convert it into a business. Too often businesses fail because the owner feels their passion is shared by others. Research your business idea and make sure it’s viable.
Poor planning: Yes, you must have a business plan. It can be a simple three-page plan or a huge 40-page plan. The point is that you’ve looked at all the aspects of your business and are prepared to handle problems when they arise. Your business plan helps you to focus on
your goals and your vision, as well as setting out plans to accomplishing them. And don’t get mellow – revisit and revise your business plan annually. Entrepreneurial excitement: Entrepreneurs often get excited about new ideas, but are unable to determine if they’re “true opportunities” and/or put them into practice. Test every new idea against your business plan and mission statement before deciding whether to undertake it or not, and ask yourself, Do I have the time and skill to implement this? Putting all your eggs in one basket: Too often, small business owners will have just one product, one service or one big client. They cling tight to this one thing because it brings in good revenue. But what if the one thing disappears? Variety and diversification will cushion you against the ebb and flow of business tides. Poor record keeping and financial controls: Yes, you have to keep financial and business
records, you have to review your revenue and expense report each month, and you have to file taxes and other business-related filings. If you don’t know how to do these, or don’t want to, get help from someone who does. Lack of experience in running a business or in the industry you’re entering: There are so many hats you have to wear, from marketing and selling in order to run a business effectively. On top of that, you have to understand your industry, the skills required to offer your products and services, and the trends in the industry. If you don’t know about these basic skills, educate yourself. Talk to others who are successfully running their own businesses, talk to industry leaders, get a book, find a website, get a coach, do your homework. And keep increasing your business and industry skills by attending classes or reading new books every year. Poor money management: Businesses are usually very slow to get off the ground, you have to create and use a realistic business budget, and not constantly drain the business income on personal spending.
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Improve your chances of getting a Business Loan Tips for Choosing your Marketing Consultant Nine Major Marketing Mistakes Questions to Ask before starting your next Marketing Campaign Why you must register you business
Inside this issue: 5 possible ways to avoid business failure
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Improve your chances 3 of getting a bus. Loan 12 Tips to Bank Loan Approval
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Tips for choosing your 5 Marketing Consultant Nine Major Marketing Mistakes
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5?s before starting a Marketing Campaign
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Reasons why you must 8 register your business
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Volume 2 Issue 5
Why Small Businesses Fail (or Fail to Thrive and Grow) Cont. Wrong location: If your business has a "bricks and mortar" location, you need to make sure that you are convenient to your customers, and near to your suppliers. Even something as simple as traffic patterns and parking can make or break your business. Competition: Customers will go where they can find the best products and services. It’s important for you to know who your competition s, what they have to offer, and what makes your own products or services better. Procrastination and poor time management: Putting off tasks that you don’t enjoy will sink your business faster than anything else. You can’t afford to waste time on unimportant tasks while critical tasks pile up. All tasks need to be done; if you don’t like to do them (or don’t want to spend your time doing them), hire someone to do them for you. If your time management and prioritizing skills are rusty, hire a small business coach or take a class to help you. Ineffective marketing: Learn the basics of marketing and make sure that you track the success or failure of each marketing technique you use, then dump those that aren’t working. Ineffective sales techniques: Once you have a
potential client, you have to know how to lead them down the sales path. If you don’t understand the basics of selling, get some education on it immediately. If a selling technique doesn’t work, try another one. Poor customer service: Once you have a customer, you have to keep them. There are two key points here – make sure you pay attention to what the customer wants (and how these wants can change over time), and make sure you provide quick return of phone calls and emails, proper billing, win-win problem solving and an overall pleasant demeanor. Entrepreneurial burnout: owning your own business requires a huge investment of time, money, energy and emotion. It’s easy to work long days and forget to take time off. But in the end, this only causes burnout where your motivation and creativity will suffer, and a pessimistic attitude prevails. You’ll find yourself unable to balance your business and personal life, and both will suffer. Schedule self-care time into your work week and be religious about taking time off from your business. A Business Development Consultant or your Small Business Development Center may help you to learn the managerial expertise you need .
Five Possible Ways to Avoid Small Business Failure 1. Change Your Attitude The high failure rate of start-up companies is, in my opinion, because of the owner's attitude. Running your own business is hard work. Avoid your business from failing! Never forget why you wanted to be in charge of your own life, income and working hours. Shape up and go live that dream! Stop sitting on the fence... Take action! 2. Become an Expert - Marketing Training Many business entrepreneurs enter a business arena without the knowledge of the industry or how to market. Avoid your business from failing. They have not got a clue about branding, promoting and advertising a business, whether that be online or offline. Whatever business you choose to own and manage, ongoing marketing trainings are absolutely critical in case you wish to succeed. Enroll yourself into an online marketing course teaching you proven and effective marketing methods to brand, promote, market and sell your products, 3. Take Massive Action Another reason is, people are not putting in enough time and effort. Owning your own business is not about sitting on the fence and waiting for your customers to arrive into your (online) store or warehouse. This means advertising and promoting your business effectively, repetitively and continuously. Make it attractive for your prospective,
customers to come and visit you. 4. Follow Up With Your Prospects One of the biggest reasons for start-up failures is because they don't follow up with their customers or leads. Whether that be a customer requesting certain information, or a lead you scored online. Call them, follow up with them. Be helpful, be kind, they are the ones who eventually will be paying for the bread and butter on your table. Get in touch with the list of people you have at hand now. They will like you for it! 5. Don't Quit You quit, you loose. Quitting is not an option. Many people do. No wonder the failure rate of start-up companies is on the increase. The darkest hours are before dawn. Starting a business and making it profitable takes time. Be patient. Remember the reasons why you wanted to start for yourself. If you give up now, you will also give up your next attempt, I'm certainly not claiming that the above 5 aspects are enough to decrease the failure rate of start-up companies and will avoid your business from failing. There are many other aspects of your business that you can take under the loop for investigation in order to make improvements. Succeeding with a business means hard work, dedication and commitment. But also serious marketing knowledge and ongoing training.
“you must have a business plan. It can be a simple three-page plan or a huge 40-page plan. The point is that you’ve looked at all the aspects of your business and are prepared to handle problems when they arise. ”
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Improve Your Chances Of Getting A Business Loan Is your money shrinking or need capital for a start-up and you feel like you need a business loan? Too many people feel the pressure of throwing together a loan package quickly. These are identifiable and proven ways to improve your chances of getting a business loan. Apply for a business Loan with your Business Name Instead of Your Given Name: For instance, use your business name, "Sarah's Block Company" versus your given name - "Sara Smart." The reason you need to apply for a business loan in your business name is because it is a business loan - Not a personal loan. The banks and loan institutions are more than happy to help your business with a business loan, but they shy away from making a business loan to a person. Having a business that is a corporation or Limited company improves your rate of success. Sole Proprietors have difficulty as business owners getting a business loan because they lack the same credibility of being identified as a 'business' that goes with a business formed as a Limited Company- A business that is complete with By-Laws, tax ID number and business bank account. A business portrays the 'image' of success better than a person does. It's for that reason why lending institutions work better for business people. As a sole proprietor, a person 'appears' to be acting in their own interests as an individual-instead of a business. Loans to sole proprietors are rated on the personal credit history and not a separate business history for the company. That doesn't look good to lending insti-
tutions. A business plan is an essential part of applying for a loan, if not the most important part of the loan application. There are key features to keep in mind when developing a business plan for a lending institution. As you develop your plan, set realistic assumptions about financing options. Bankers expect you to know the basics before you walk in their door. They can't loan you money just because they believe in your business plan. Laws that protect
depositors' money prohibit banks risking that money on speculation. If you are applying for an SBA loan, you'll need to present an excellent business plan -- and 30 percent of the financing. SBA loans will provide up to 70 percent of the money you need -- if you get approved, that is. The bank will ask for past tax returns/ financial information to prove whatever information you provide about your personal or business income. Be prepared to explain any discrepancies in your financials. Your business background. You have more credibility if you have had experience in business and in the field you're entering. The business plan should describe the management team with short biographies of main managers. Your financial projections. Bankers expect to see the three main statements -- income, balance, and cash flow -- projected
monthly for the first year, and annually for a couple of years after that. Cash flow is the most important part of your plan. Realism in the financials. Bankers will compare your projections to industry reports showing average performance for different kinds of businesses. If your project margins are way better than industry averages, you will need to explain why and how you are going to accomplish that. For example, if the average sporting goods store has a 33 percent gross margin, don't show a banker a plan with a 70 percent margin. A lignment with the financials. The amount you ask to borrow should match the financials in your plan. For example, don't try to show that you don't need any money; if you didn't, you wouldn't be borrowing. But don't show that you need much more money than you can afford to borrow. Your cash flow should be realistic, and it should show how much money you need and why you need it. A complete plan. While management team and financials are most important, a good banker will also expect to see a readable plan, from the executive summary through to the end. It should cover what you sell, your market, company background, and specific dates and activities. So the business plan is a two-way test. Although many banks will require a plan, not all of them will really process the plan. Be grateful if they do. That means they are interested in your business and want to build a long-term relationship.
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If you are applying for an SBA loan, you'll need to present an excellent business plan -- and 30 percent of the financing. SBA loans will provide up to 70 percent of the money you need
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Volume 2 Issue 5
TWELVE TIPS FOR GETTING YOUR BANK LOAN APPROVED Without a previous track record in business, securing a bank loan may be difficult. Banks cite risk factors and increasing costs of servicing small accounts as the primary reasons for minimizing their exposure to small businesses. Still, it can be done. Here are the steps that you should take to improve your chances of getting that much-needed bank loan: 1. Keep in mind that to stay in business banks need to make loans. Do not be afraid to ask for one. That is what the loan officer wants you to do. To increase your chances of getting a loan, look for a bank that is familiar with your industry and who has done business with companies like yours. Seek out banks that are active in small business financing. Some banks lend on a conventional basis (lending money without government support), However, be aware that banks often demand stiff collateral requirements for start-ups. 2. As an entrepreneur, make sure that you are thoroughly prepared when you go to your banker's office to request a loan. You need to show your bankers that a loan to you is a low-risk proposition. Have on hand a completed loan application, copies of cash flow and financial statement projections covering at least three years, and your cover letter. 3. Learn to anticipate every question that he or she has. Remember, the combination of information and preparation is the most powerful negotiating tool in the world. A confident and thoroughly prepared borrower is four times more likely to have his or her loan approved than a borrower who does not know the answer to some of the basic questions a banker asks. To show the extent of your preparedness, your business plan should also include answers to your banker's questions. These questions normally are: How much money do you need? Be as exact as possible; although adding a little extra for contingencies will not hurt. How long do you need it for? Be prepared to go into detail about what the money will do for you and why your business is a good risk. What are you going to do for it? Businesses use loans for three things: to buy new assets, pay off old debts, or pay for operating expenses. When and how you will repay for it? Your cash flow projections should provide a repayment time frame. Convince the banker of the long-term profitability of your business and your ability to repay the loan by using your financial projections and business plan. What will you do if you do not get the loan? 4. Do not take an apologetic and negative attitude. Keep your negativity in check. Present yourself as an entrepreneur who can and will repay the loan. Boost your image by providing your loan officer with any promotional materials
about your business, such as brochures, ads, articles, press releases, etc. 5. Dress in a professional manner for the interview. This is a business transaction, so treat it as such. 6. Do not stretch the truth in your loan application. Broad, unsubstantiated statements should be avoided. The lender can easily check many of the facts on your application. If you cannot support statements with solid data, then don't make them. Do your homework and spend time doing research to be able to support everything you say, including every single number in your projections. It is best to keep projections, assets lists and collateral statements on the conservative side. 7. Be sure all your documents are neat, legible and organized in a cohesive and attractive manner. Type all your loan documents. Handwritten documents look unprofessional. Don't forget to include a cover letter. 8. Do not push the loan officer for a decision. Doing so might result in a rejection. Your banker cannot make a decision until all your documentation is complete. To ensure a speedy decision, make sure that your application is complete. 9. Be confident. An attitude of confidence enhances your chance of getting the loan. Show that you can make a success out of the money that the bank will lend to you. Visualize in your mind the positive results of your bank application. 10. Keep trying one lender after another until you get your loan. To improve your position as you change bankers and banks, the best way is to ask for a referral from a successful entrepreneur. Before you decide to approach a bank directly, find an associate, friend or acquaintance that is in good standing with the bank to give you a good referral. Bankers tend to deal more favourably those who were referred to them by their best customers. 11. Failure to discuss risk in your application. You must remember one thing: there is no business without risk. If you do not discuss risk, the bankers will assume that you haven't thought about risk. Let's face it - try as we might, we cannot plan for everything, for every contingency, for every turn of events. Bankers would want to know if you have planned for the major risks and how you intend to manage it. 12. Remember that the first loan is usually the hardest to get. Bankers prefer to lend money to borrowers who have borrowed at least once and have paid back at least one loan on time. Bankers prefer to lend to lowrisk, low profit ventures than to high risk businesses or those with no record of accomplishment. About the Author: Isabel M Isidro is currently the Managing Editor of Power Homebiz Guides.
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“To catch the reader's attention, place an interesting sentence or quote from the story here.”
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Volume 2 Issue 5
Tips For Choosing Your Marketing Consultant In my life I have never attempted to repair an automobile. I have no facility for mechanics, no interest in fixing things and no curiosity about what makes engines tick. I have simply recognized my limitations and take the wounded vehicle to professionals for proper care. Most people are similarly limited in certain skill areas, while gifted in others. A Marketing Consultant and/ or Business Development Consultant would have been introduced to 100's of budding entrepreneur and potential clients. Most have never undertaken the challenges inherent in Marketing a new product or service, or starting a new business. They often recognize that they need help, but they often need to ask: what is the best way to uncover the right consultant for a specific project? Here are several tips for securing talent that will save your project time, mistakes and money when choosing a Marketing Consultant: Meet Face-to-Face Look at their work, PR, past strategies, designs Ask about the products they have launched themselves Only deal with specialist firms-if you have a consumer product, do not hire an agronomist or civil engineering consultant References are nice, but really, who gives bad
references Quality Consultants are Fee Based, discover pertinent fees Make sure they will sign a Non-Disclosure Agreement/Confidentiality Agreement After signing, and only after signing describe your concept, idea, etc. What specific, out of the ordinary strategies does the consultant propose Do the strategies proposed seem realistic, do they offer a fresh approach After completing the above due diligence, repeat the process with at least two more candidates. Keep notes, even record the meetings. Do not allow any high pressure, walk if this occurs. Then gather your thoughts, confide in trusted advisers and weigh the best features of each firm. The choice will be most obvious in every case.
“Most have never undertaken the challenges inherent in Marketing a new product or service, or starting a new business”
Nine Major Marketing Mis takes In today's world, there's so much competition that if you make a mistake your competitors quickly get your business. The chances of getting it back are very slim unless someone else makes a mistake. Hoping competitors make mistakes is like running a race hoping the other racers fall down: It just doesn't happen very often. Here are the blunders that are the most prevalent in today's hypercompetitive world. Me-Too Many people believe that the basic issue in marketing is convincing prospects that you have a better product or service. They say to themselves, "We might not be
first, but we're going to be better." That might be true, but if you're late, and you have to do battle with large, well-established competitors, then your marketing strategy is probably faulty. Me-too just won't cut it. What Are You Selling? This may surprise you, but a good bit of my time over the years has been spent figuring out exactly what it is that people are trying to sell. In other words, trying to capture the category in a simple, understandable way. Companies, large and small, often have a very tough time describing their product, especially if it's a new category and a new technology. Your
biggest marketing successes come with simple, but powerful explanations of what you're offering. Don't get cute or complex. Truth Will Win Out Not understanding that marketing is a battle of perceptions, is a simple truth that trips up thousands of would-be entrepreneurs every year. Marketing people are preoccupied with doing research and "getting the facts." They analyze the situation to make sure the truth is on their side. Then they sail confidently into the marketing arena, secure in the knowledge that they have the best product and that ultimately the best product will win.
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“Your biggest marketing successes come with simple, but powerful explanations of what you're offering. Don't get cute or complex.”
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Nine Major Marketing Mistakes Cont. It's an illusion. There is no objective reality. There are no facts. There are no best products. All that exists in the world of marketing are perceptions in the minds of the customer or prospect. The perception is the reality. Everything else is an illusion. The Other Guy's Idea It's bad enough to launch a me-too product, but equally problematic is a me-too idea. The reason is that two companies cannot own the same concept in the prospect's mind. When a competitor owns a word or position in the prospect's mind, it is futile to attempt to own the same word. Volvo has pre-empted the concept of "safety." Many other automobile companies, including MercedesBenz and General Motors have tried to run marketing campaigns based on safety. Yet no one except Volvo has succeeded in getting into the prospect's mind with a safety message. We're Very Successful Success often leads to arrogance and arrogance to failure. When people become successful, they tend to become less objective. They often substitute their own judgment for what the market wants. As their successes mounted, companies like General Motors, Sears and IBM became arrogant. They felt they could do anything they wanted to in the marketplace. Success leads to trouble. Everything For Everybody When you try to be all things to all people, you inevitably wind up in trouble. Better advice comes from one manager who said, "I'd rather be strong somewhere than weak everywhere." This kind of "all things" thinking leads to what we call "line extension," or trying to use a successful brand to mean more than it can in the mind. It's a very popular mistake. Live By The Numbers The CEO lies to the board and then turns around to
the marketing people and tells them what is expected in terms of profit and growth. They in turn scramble back to their offices and try to figure out how to make those unreasonable numbers. Brash predictions about earnings growth often lead to missed targets, battered stock and even creative accounting. But worse than that, it leads to bad decisions. As panic sets in, what often happens is that they fall into the line extension, or the everything for everybody trap. Rather than stay focused on being strong somewhere, to drive their numbers up they opt for weak everywhere. Not Attacking Yourself Much has been written about the likes of Dell, Xerox, AT&T and Kodak, and their efforts to move from slow growth to high growth businesses. When this is exacerbated, companies are faced with what have been called disruptive technologies. Dell facing the desktop computer revolution. Xerox facing the surge in laser printing, and Kodak facing the digital camera.
“Success often leads to arrogance and
Though difficult, a leader has no choice in this matter. They must find a way to move to that better idea or technology, even if it threatens their base business. If they don't, their future will be in question. Especially as that technology is improved and picks up momentum.
to become less objective�
Not Being In Charge When the CEO or very high level management doesn't take charge of strategy, things rarely go well. In today's rough and tumble world, marketing strategy is too important to be left to middle level management. Books on this topic: Marketing Mistakes and Successes Robert F. Hartley Entrepreneur's great big book of business lists: all the things you need to ... By Courtney Thurman, Ashlee Gardner In search of the obvious: the antidote for today's marketing mess By Jack Trout
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arrogance to failure. When people become successful, they tend
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Volume 2 Issue 5
5 Questions You Must Ask Before Starting Any Marketing Campaign
Asking the "right" questions will greatly improve your odds when it comes to any endeavor. When it comes to marketing having the right answers will mean more clients at a lower cost to you. Here are 5 questions which will maximize your marketing efforts and dollars:
time constraints. Knowing this information will allow you to tailor your marketing materials to your ideal client's specifications.
4. What are the biggest challenges faced by your clients and potential clients and do you have the solutions they need? You can't connect 1. Who are your ideal clients? Most business with your prospects without knowing what they professionals have a very vague or far too general need and how you can help them. Make sure that idea of who their "best" clients really are. If you you are addressing what they want and not what know where to "find" these clients and understand you think they want! their characteristics (demographics, psychographics, affinities, etc.) then you can develop targeted 5. What is the best way to reach your ideal programs which will increase sales more effec- clients? If they belong to organizations you will want to join the same groups and use your mutual tively. membership as the foundation for a relationship. 2. How do your ideal clients respond to certain Some clients may prefer to network online via words, statements, or ideas? Doing a little re- social networking sites. If so, ensuring that you search by spending time with your ideal clients, have a presence on these sites and that you are an either online or in real life, will give you an idea of active participant will be a better investment of how to interact with them. Use this knowledge in time and energy. your written materials, your presentations, and Asking these 5 questions will provide important whenever you speak with them. answers which will help you determine which mar3. How much information will your prospects keting strategies are best for growing your busiactually read? Some people prefer short articles ness. with 5-10 tips and others prefer longer reports. It may depend on their level of education, job, and Business Development 101
In my experience of being in and around sales, marketing and advertising, it surprises me how many small business owners don't have someone working on business development. Many owners and managers I've met should be the "biz dev" person but just don't have the desire or truly understand what to do. I think this comes back to a few things, fear of sales, pride, and/or social interaction. In other words they look at themselves as the President of their small business and are unwilling to go out and pound the pavement for a few hours every week. Some even use the excuse of being too busy, but constantly whine about how bad business is.
I see them reading the paper, surfing the internet or standing around yackin' about the weather and recession. These actions show laziness, lack of focus, and desire or unwillingness to venture out. In other words they aren't hungry enough. If you work around people like this, I would recommend that you step away from the pack and make a positive change
Many a sales person I come across is caught up in chasing after the next sale, wasting so much time during the day instead of constantly developing and cultivating a large pipeline of prospects.
Learn the art of cultivating relationships. Read books, listen to CDs and then take what you learn to polish your people skills.
Whether your business is online or offline, business development should be an integral part of your sales and marketing plans. What can you do to enhance your business development skills?
Cont. on page 8
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Doing a little research by spending time with your ideal clients, either online or in real life
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Volume 2 Issue 5
Business Development 101 Cont. out, then they'll pass you by.
Develop and use personal relationship marketing (PRM) to better your relationships. Get involved in the industry, not just the companies you are looking to engage with. If you are tuned in, the opportunities might come your way. If you're tuned
When an opportunity comes your way, take action immediately. Communicate. Pick up the phone, send an email, and get the process moving in a positive direction. Learn and engage in online social media. This is up and coming so you'll want to be all over these channels. Plan the work and work the business development plan on a weekly basis.
Find a mentor to guide and counsel you. This last step is crucial and will truly make a difference if you'll find someone who is willing to help you in your endeavors. It might take a month or even up to a year to find the right person and/or persons. The bottom line with business development is that it starts with you. So start where you are, make a plan, take action, and stay focused on a daily and weekly basis.
Reasons Why you Must Register Your Business In a recent article in the Sunday Gleaner March 20, 2011, The Companies Office of Jamaica clearly stated their plans of going after some 2,000 start-ups and small operators to have them immediately register their businesses or face stiff penalties. On the softer side they suggested it would be in the best interest of small businesses to be registered, to beat the increased fees, ranging from 25 to 150 per cent to be instituted in April 2011. Ms. Heather Sutherland, attorney-atlaw and compliance manager at the Companies Office of Jamaica stated quite openly in a written statement to the Sunday Gleaner, The Companies Office of Jamaica, stance on the subject matter by saying; "We are primarily concerned with registration of all unregistered businesses irrespective of category," "Once you are operating a business, once you are trading or offering a service, you need to be registered under either a business name or as a company, but it's the owner who determines the best formulation for the business," This brings us to the topic of, why
small business owners “must” register their businesses. When you’re a new business owner, every dollar you spend has to provide a return on your investment. One of those expenses is the registration of your company. While it may be one of those expenses that seem largely unnecessary during the beginning stages of your business, this is far from truth Here’s why: Protect your assets Starting a business may be a dream but losing your personal assets that support you and your family are a reality and that reality could turn in to a nightmare if your business doesn’t work out, you’re sued, or another unforeseen financial loss. By registering your business, your business assets and liabilities are separated from each other. The protection of your family, may be the most important reason to register. Do you need money? If you are seeking private equity/ loans, you must be registered as a business. Investors/ bankers want the protection of incorporation as
well as a defined exit strategy which is laid out in some of your incorporation documents. Venture capitalists prefer to fund actual corporations since corporations can later become publically traded. Want big name business? Companies large and small prefer to work with subcontractors because they don’t have to pay employee benefits. What they don’t want to do is have long term contracts with individuals since the line dividing a contractor and an employee is blurred when the individual isn’t an actual registered company. Should you be passed over for a contract because you didn’t spend a couple of hundred dollars to register your business? Registering your business is best left to a business registration service who has experience with the required paperwork needed. This will streamline the process and allow your company to be registered as quickly as possible. It’s an investment that doesn’t appear to have a direct return on investment but much like insurance, it’s necessary for the protection of you, your family, and any partners who may be associated with your business.
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If you are seeking private equity/ loans, you must be registered as a business. Investors/ bankers want the protection of incorporation
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MONUMENTAL REPORT CREDITS PUBLISHER Monumental Partners Limited 9 McKenzie close Kingston 8 St. Andrew TEL: 876-969-2646 info@monumentalpartners.com MANAGING EDITOR Kahlil Harris ASSOCIATE EDITORS Jhenealle Goulbourne MONUMENTAL REPORT CONTRIBUTORS
Christopher Goulbourne Karen Greenstreet Isabel M. Isidro Jack Trout - Forbes Magazine Merlyn Sanchez - Ezine Articles Dave Krygier - Ezine Articles DESIGN & LAYOUT Kahlil Harris Randy Fagan SUBSCRIPTION Email us @ info@monumentalpartners.com or check it out on our website www.monumentalpartners.com SOURCES The Gleaner Newspaper McPherse Thompson Asst Business Editor Forbes Magazine Ezine Magazine.com Ezine Articles.com
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