THE ENTREPRENEUR DIARY! “I just want to go home and eat my cereal”
The Magazine for Growing Professionals
what
12
JUL – SEPT 14
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The Magazine for Growing Professionals
PRESIDENT & EDITOR-IN-CHIEF VANESSA OLIVERAS
Think about it! Even when you are planning Ahead of COLLABORATORS Time you are following your why, when you accept The Wonderful Fear of Failure or simply writing The HERMES LARA Entrepreneur Diary you are following your why, you are IRIS JAMES struggling to make it happen because you are breaking MICHELLE PEREZ through your passion. ALEXIS RAMIREZ Engage and Empower others, lead them during the DIGITAL wonderful Momentum Moment that your team is been www.tipmagazinepr.com waiting for a long time. Or simply transform your Angel Investor in believe and protect your business even when http://issuu.com/sneakfm/docs/ are still in the process of defining if you are going to apr_jun_14_edition continue as a Freelancer or an entrepreneur – you know there is difference, right? – . www.publicacionessinpapel.com Saddle Up and Innovate While Your Growing to find the perfect to answers to our main question in this edition: CONTACT US What If You Start With Why? EMAIL: assistance@tipmagazinepr.com Keep it simple, keep it real and remember:
“See you on the other side of the river my friends !” - Vanessa JUL- SEPT 2014 . TIP
EDITOR’S DESK
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Here we are talking about been a great leader, create new cultures and transform yourself but none of these are possible if you don’t start with the WHY. Why you want to lead, create and transform? Why you want to embark in this challenge? Simple, because the WHY is your passion, is who you are, what you believe in, is authenticity, is your connection with the universe, is what makes you happy. Your WHY is stronger than WHAT and even the HOW.
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Contents
THE ENTREPRENEUR DIARY! “I just want to go home and eat my cereal”
12
10
LEADERSHIP
The Founder Metamorphosis
Crea@ng a culture is the most important and difficult task
15
TRANSFORM
The Wonderful Fear of FAILURE
START UP
The heart of the onion best kept secret
21
Features
INNOVATE
#1 Policy: Innovate While Growing Implemen@ng management
18
FINANCE
Ahead of Time Planning for re@rement just when you are star@ng
systems allowing the natural flow of ideas
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9
TRANSFORM
Engage and Empower
GO Beyond
The work of building a company’s culture never ends
26
LEADERSHIP
The Great Momentum Moment Ac@ons or tac@cs alone are not what create success in business
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START UP
“It is not until I am given the opportunity to participate in a radio program that I discover my passion” Iris James,
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Owner of LaNature Healing & Wellness Center
Owner of LaNature Healing & Wellness Center
Iris James When I was a young girl I wanted to be pediatrician to help all the sick children. Then I wanted to be psychologist, actress, dancer, and a number of other professions. But my greatest desire was to be able to help others. I remember my class mates calling me Father Jaime. As @me pass by life took its toll. My obliga@ons had me take jobs that paid the bills. Un@l one day aMer a disagreement with me my boss, I decided to go aMer my dream. I returned to school and became a New York State Licensed Massage Therapist. At the same @me I am the director to Santo Rico Kids dancing program for children from the age of 4 to 16 years. Did I men@on that I am also the Administra@ve Assistant to the Execu@ve Director of a housing complex with jobs which 656 apartments in Spanish Harlem in New York City?
S T A R T
In spite of the fact that I have everything I wished for, health, a beau@ful family, two dogs, and jobs that I look forward to every day, it is not un@l I am given the opportunity to par@cipate in a radio program that I discover my passion. Every Saturday from 5 to 7 pm via 89.3fmdigital.com I make my dream come true. Through the Spanish radio show “Un Pedacito de Puerto Rico en New York I am able to help my La@no community. We play our folk music; we comment on events in our community, we create a bridge between our La@no community in New York and our brothers and sisters in the mainland. I thank God every day for his blessings.
U P
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Do you believe in angel’s?
An angel investor or angel (also known as a business angel or informal investor) is an affluent individual who provides capital for a business start-up, usually in exchange for convertible debt or ownership equity. A small but increasing number of angel investors organize themselves into angel groups or angel networks to share research and pool their investment capital, as well as to provide advice to their portfolio companies. JUL - SEPT 2014 . TIP . 8
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f i n a n c e
T R Engage and A Empower N The work of building a company S culture never ends F O R M Culture is one of the most precious things an organization has. So you must work harder on it than on anything else.
For the leader, its culture begins from day one. The culture is a reflection of the values the leader brings into the team. Culture is important for any organization or business because it is the mechanism that institutionalizes the values of there leaders. Culture understand how they should treat each other, how they should act in their jobs, how to generally fit in and be successful within the organization.
Is important to understand that culture also improves the performance of the organization. Culture is key to the overall strategy and helps ensure a growing business will continue to meet the expectation of customers. For many organizations their success has been built on the ability of the key players to manage the challenges of a changing culture while staying grounded in the foundations of the organizations. This is why is so important to create a culture based on true leadership.
Building a culture that encourages autonomy, risk-taking, and leadership behavior is challenging. For companies that want to outthink and out-pace the competition, a leadership culture isn’t optional, it is an absolute must !
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The
Founder Metamorphosis Creating a culture is the most important and difficult task JUL - SEP 2014 . TIP. 10 TIP. THE MAGAZINE FOR GROWING PROFESSIONALS
As businesses grows the role of the founder have to change at the same pace – if not faster- the business does. The founder must metamorphise into a leader and this change is not easy.
As “leaders” develop, business typically goes through a period of transformation of what they call a cultural change, followed by a crisis and then a period of consolidation. As all these changes are happening, the “leader in training” faces a roller coaster of emotions not everyone can handle. The main challenges leaders face as the business grow are: 1. Leadership 2. Team working 3. Organization structures 4. Culture
Leaders have to see themselves as a spider web with them at the center. They must avoid bureaucracy, too many formal structures, start recruiting managers from the outside and learn to delegate. Is here where the leader strategic abilities, compared to their operating abilities, are at their maximum expression as their job include five critical elements: 1. Vision and ideas 2. Strategic planning 3. Effective communication 4. Creation of culture 5. Monitoring and controlling performance JUL- SEP 2014 . TIP. 11 TIP. THE MAGAZINE FOR GROWING PROFESSIONALS
Finally home, after a very rough day. Another day, trying to start my own business, without much success at the bank. I already lost count of how many suits I spoke with today, trying to answer there scrutiny on how, when, where or what I will be doing to assure my monthly payments. Monthly payments, is not the best word right now for me since I lose my job and I’m just trying to start - all over again - my own business. Not only I have to deal with my inner circle on trying to explain why my own business is the best direction for me at this moment, but now I have to deal with the bankers like I don’t know the risky decisions I’m making. So tire, so many decisions at
Today: July 2013 THE ENTREPRENEUR DIARY!
S T A R T U P
the same time and now I have to decide the type of business to register if I want the bank to consider me as a new customer. Type of business, type of business, type of business…fk… I’m already having nightmares and I’m not even asleep…type of business… You have no idea how many times during the day I repeat: “I just want to go home and eat my cereal”
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START UP
“I just want to go home and eat my cereal” JUL - SEP 2014 . TIP . 13 TIP. THE MAGAZINE FOR GROWING PROFESSIONALS
freelancer,
Fields in which freelancing is common include: music, journalism, publishing, screenwriting, filmmaking, acting, photojournalism, cosmetics, fragrances, editing, photography, event planning, event management, copy editing, proofreading, indexing, copywriting, computer programming, web design, graphic design, website development, consulting, tour guiding, video editing, video production, translating, illustrating and micro jobs.
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freelance worker, or freelance is a person who is self-employed and is not committed to a particular employer long-term. These workers are sometimes represented by a company or an agency that resells their labor.
T R A N S F O R M
The Wonderful Fear of Failure
The heart of the onion best kept secret
I still remember how afraid I was to fail. The simple idea or realization that I can fail was to painful to face, until one day I learned that fear is like an onion and you have to peel all the layers, to get to the heart where the best flavor is - even if it makes you cry during the process. Every time I have to face my fears or fix a problem, I call it “peeling the onion”. The experts say that only by “peeling the onion” you will find the answer you can not sight see. At the beginning I was resistant to even get close to the onion (in other words, the fear of failure) but now that I understand is just a growing up process, I’m not afraid anymore. Although it is hard to believe but we all need this WONDERFUL FEAR of FAILURE. JUL - SEP 2014 . TIP. 15 TIP. THE MAGAZINE FOR GROWING PROFESSIONALS
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S T A R T U P
“Is important to always have the advice of a professional expert who can guide you during the early stages of star@ng a business…”
Hermes Lara
Realtor of the Year and Owner of Compass Real Estate
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Realtor of the Year and Owner of Compass Real Estate
Hermes Lara hermeslara@hotmail.com Phone: (787) 363-0332
Law or agencies that regulate your industry or business - Find out about the requirements from The Fire and Health Department to obtain their licenses. Ask questions like: costs, permits expiration date and Granting requirements. Verify if there are laws and regulations for your type of business, and make sure the Fire and Health Department are aligned to meet your business needs. •
Once you have above aspects clear, you can start working on a lease agreement/ contract. One of the mistakes That most people do is just going to the property, and assume that because there are other business around It is a commercial zone and signed the lease contract before they even go to the agencies to find out about The permits regulations and laws. Is important to always have advice of a professional expert in specific subjects like: real estate, finance, lawyers who can guide you during the early stages of starting a business and have the require experience in leasing commercial properties. In the next edition, we will talk about buying a commercial property.
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Renting Before you rent a space for your business, consider the following: • Location of the business – First of all, you need to ask yourself how Important is that my customer see where you are located and how important is Your location for the growing of your business. If the answer is yes, it is important Then, the second consideration is: does it have enough parking space for the My customers? The reason you need to answer these questions is because, maybe you Are running a business (mostly service businesses) where location visibility Is not an aspect that will impact your customers nor your business growth. • Permits – If you found a property with excellent location, go to the ARPE offices to find out more Information regarding the zone classification of the property. The classification will tell you Which type of business can be run in that area. Be specific and provide as much information as Possible about the type of business operation you are intended to start there. Based on this, the Functionary will be able to provide details and applicable limitations about: zone restrictions, parking lot requirements, advertising policies, among others. Remember, is better to know all These details before you start investing or even worth, after you had singed a leasing agreement. Zone classifications change, and not because there are other business in the area it means that You can start yours there. Is crucial in this point that you are aware of all the details before You sing any agreement.
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Ahead of Time
finance
Planning for Retirement just when you are starting While there are more options available, the four most recommend retirement plans for entrepreneurs are: q q q q
Simple IRAs SEP IRAs Solo or regular 401(k)s Contributory IRAs (Roth or Traditional)
All four of these plans are well suited to the needs of solo entrepreneurs, and some of them offer the flexibility to serve a smallbusiness owner who brings on employees. If the business owner is just starting out and has limited compensation, then the contributory IRA option might be the best option. If the business owner can afford to put more away than traditional or Roth IRAs permit, then the SEP IRA, Simple IRA or Solo 401(k) options will all work well. Simple IRAs will not allow as much deferral as either a SEP IRA or Solo 401(k), but they are very easy to set up. For the solo entrepreneur, the key determinant between a SEP IRA or Solo 401(k) would be whether the business owner would like the possibility of accessing the money in the form of a loan for business purposes. If so, then I would advise to choose the Solo 401(k) plan.
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finance Most Solo 401(k) plans do not have any more reporting requirements than the SEP IRA does, but not every Solo 401(k) provider allows loans, and some of the providers who allow loans limit their participants to proprietary fund choices in the 401(k). For entrepreneurs with employees, the considerations change a bit. The lowest cost approach for the business owner would be a payrolldeductible contributory IRA, but that also allows the lowest amount of compensation deferral. Most entrepreneurs cannot afford to be extra generous to employees when starting out, so either a Simple IRA or 401(k) plan generally makes more sense than the SEP IRA option. Plan costs and compensation deferral amounts are the trade-offs to consider when choosing between the Simple IRA and 401(k).
The 401(k) allows a higher deferral amount, but also carries higher costs and possible compliance testing and a higher administrative burden than the Simple IRA. Generally speaking, most small companies opt to start with a Simple IRA because of the lower cost and lighter administrative burden, and then transfer those assets into a newly formed 401(k) plan after two or three years when the plan costs are more easily absorbed. SEP IRAs generally work well for partnerships or companies with few employees, since the funding comes solely from the employer, although the employer does have some flexibility in choosing whether to make contributions or not.
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innovate
Policy: Innovate while Growing
Remember the early days, when ideas are the rule of the day? How different from how we are running business today, all this bureaucracy is eating us alive. If I can only turn back time and at the same time continue growing, or even better implement a management system allowing the flow of ideas to be the #1 policy of this great business.
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Implementing management system allowing the natural flow of ideas
Keep it apart from the bureaucracy a midlarge business need to have, keep it simple, protect the sense of family, protect your core team
Research had demonstrated, that almost 80 percent of the improvement potential is locked up in the ideas of their front-line people. It may seem strange that a leader looking to increase innovativeness should make it a top priority to go after (mostly smaller) front-line ideas. But there is a inexplicable bonding between innovation and front-line ideas, an interplay that most managers are not aware of and so fail to exploit not once but in multiple and repetitive occasions.
ü Front-line ideas can transform routine innovations into major breakthroughs. ü Front-line ideas can directly open up new opportunities for innovation.
A high-performing idea system allows a company to continue exploiting these synergies as it matures and grows.
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innovate Close the gap between managers and front of the line people – stay in touch, walk the talk. Require your managers to stay consciously present everyday, to stay alert to the problems – and opportunities – that auto performance managers do.
Set up high-performance idea system for front-line employees. A system capable of implementing 20, 30, or even 150 ideas per person a year. Ideas that competitors have difficulty duplicating. Large numbers of small ideas can create substantial new capabilities that allow businesses to offer innovative products and services that competitors can’t match. JUL - SEP 2014 . TIP . 23 TIP. THE MAGAZINE FOR GROWING PROFESSIONALS
T R A N S F O R M
WRITER AND SPEAKER
Michelle Perez
511.michp@gmail.com
“This is why I make the most of on my daily journey... I look around and marvel on the great things God has given us…”
Michelle Pérez
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“Attitude is a little thing that makes a big difference – Winston Churchill” And the weekend is over…
as always, in a blink of an eye. We have to get back to work, to that place that causes a roller coaster of emotions. However, my emotions only depend on how I react to the events that I cannot control.
I am determined to confront all the situations with a positive attitude.
Michelle Pérez
I don’t want to waste a minute of a potential great day that is just starting. This is why I make the most of on my daily journey to work. I look around and marvel on the great things God has given us, the nature, the trees...all these wonderful gifts that have the magical effect of changing my attitude. “I start to speak to myself, to declare that it will be a wonderful day. A day full of new experiences and opportunities to be the best I can be. When I think that this is not enough, I just draw a smile in my face…try it, you will see. Smile for just 26 seconds. You will start to have happy thoughts or just maybe you will start to laugh at yourself!!! But either way…you will be encouraging your positive attitude. By the time I get to my place of work, my batteries are fully recharged with positive energy which enables me with a great attitude. I encourage you, not only on Monday’s; everyday to get back to the saddle!!! Take the reins!! Positive energies and a good attitude is all that you will need to make your day just marvelous! So…
Saddle Up!!!
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LEADERSHIP
The Great Momentum Moment The key is momentum. The u@liza@on of momentum is what has the greatest short term power to manifest reality. Momentum is what allows you to quickly complete tac@cs. Tac@cs which exist in your overall strategy. Strategy designed to accomplish your objec@ves. And to reach your vision. Actions or tactics alone are not what create success In business
Is the great moment of momentum which carry forward your ac@ons to create impact. Ac@ons or tac@cs alone are not what create success in business. To more effec@vely impact reality, you need a momentous flow of ac@ons. Momentum created from the inspiring events, ac@ons, things, emo@ons, thoughts, or experiences that happen every day. You know, the spice of life which sparks ac@on, manifesta@on, and results.
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✖
Myth #
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You can be an entrepreneur from a blog, a book or a talk
You are always learning, but that is the best and fun part
Learn from your rookie mistakes usually not listed on a book
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Experience teaches you to make bener decisions
Work for months to building a robust product in secrecy, this will guarantee a successful launch to the world.
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MYTH
Building tons of samples while in secrecy could cause you a high rate of scraps if product do not s@ck as planned Secrecy does not allow to receive valuable feedback from your poten@al customers and sponsors
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Make your product public quickly. As we say: “test the waters fast”. This will validate you are going to the right direc@on
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Starting a business = building a product
A business, also known as an enterprise or a firm, is an organiza@on involved in the trade of goods, services, or both to consumers
A product is anything that can be offered to a market that might sa@sfy a want or need
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Star@ng a business is 50% building a product and 50% other stuff
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L E A D E R S H I P
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Basketball Coach
Alexis Ramirez rramirezponce4@gmail.com
I will always be involve in basketball. There are too many things that I’d experience and doing nothing about it is not an option for me. We all can reach out to our dreams and make them happen. There is NOTHING impossible !
Alexis Ramírez TIP. THE MAGAZINE FOR GROWING PROFESSIONALS
LEADERSHIP
From a very early age I’d been playing basketball, un@l that Holy Week recess -‐ when I was in college under the supervision of Jorge Meléndez-‐ I came back home and playing basket near home I broke my ankle and it was the end of my career as a professional basketball player. I s@ll remember Pedro Cintrón’s called, back in 2008, when he asked me to work with him. We were together for four years, I was the assistant coach for all the games and teams he coached. It was only the beginning of this new chapter for me. In 2010 I was granted with the opportunity to lead the Elementary School Basketball Program.
Soon aMer, I worked with Eddie Oryz, winning the 4th place the Primera Hora Tournament. But the list didn’t stop there, it con@nue with great coaches like Allans Colón, Wilhelmus Cannen and Jorge V. López, among others. I will always be involve in basketball. There are too many things that I’d experience and doing nothing about it is not and op@on for me. We all can reach out to our dreams and make them happen, there is nothing impossible. For me is amazing how kids who started with me at the Elementary School Program are now in High School – con@nue playing basket and just stop by like it was yesterday! My main focus with the players is that they respect each other in and out the court. Just thinking about the impact one had in the lives of these young kids make me emo@onal, this is more than winning a game, this is about the progress of the player, accomplishing the dream of serving as a coach and a friend, is about family; that is the real CHAMPIONSHIP !
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The POWER to do
Contact: Areli Nieves PH: (787) 315-0447
Email: areli.nievesgarcia@us.aflac.com
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Feliciano, Gonzalez and Co., P.S.C. CerEfied Public Accountants and Consultants Condominio Torre de Oro, 2175 Ave. Las Americas Ste 100 Ponce, PR 00717-‐0760 Wilfredo Gonzalez, CPA CMA, MBA Parter P.O. Box 7727 Ponce, PR 00732-‐7727 Phones: (787) 840-‐5875 (787) 840-‐ 6875 Fax: (787) 259-‐4412 Cel: (787) 487-‐7977 email: wilfredo14@prtc.net
S T A R T U P
Bad Idea or Sponsor ?
“ I still remember when I started my own business and had the sour experience of trusting a person who supposedly was a good sponsor but…”
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START UP Toxic sponsors are the ones who want to try everything and everyone ideas, but don’t want to engage in their business
When going into the field of small business, it is important that you have a good sponsor that will help and support you on your new endeavor. Sponsors should have knowledge of the business and product that you are looking to market. There is nothing far worse than having a sponsor that is only in it for themselves. Let's take a look at some characteris@cs of a Toxic Sponsor. Toxic Sponsors are oMen not interested in your success. They mainly just want to make a quick profit out of you.
HOW TO MANAGE
SPONSORS? Toxic Sponsors don't communicate well with there team and they don't respond to any request for help. They are like bad salesmen or terrible supervisors who just want your sale so they can make a quick commission. Some@mes you get a Sponsor that has so much knowledge of the company and product, that when they train or explain the product or company to you, it is hard for you to grasp.
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The informa@on sponsors give you is oMen over your head, which then leads to discouragement. This is how so many newcomers to small business fail and drop out because of poor sponsors. No one wants to invest their hard earned money into a business with very poor sponsors that leave you hanging high and drive. One of the most common mistakes firstees made is concerning the urgent need to have leads to start up their business. Leads where they can send offers and promo@ons to launch their business. Not having the right leads, may discourage you and most likely, aMer a few months of seeing no results, you will finally got out of this par@cular business. Not even realizing that the Toxic Sponsor may con@nue to develop your endeavor. I s@ll remember when I started my own business and had the sour experience of trus@ng a person who supposedly was a good sponsor but at the end she never gave a concrete direc@on on how to make it happen, by the contrary it was like she saw me as a compe@tor rather than an alliance where both of us can grow and support each other.
It is important that you join a team of sponsors that are experienced, flexible and have great success with the company you are joining and are more than willing to help you get started. Your sponsor should be there for you for at least the first quarter of your new business. Good Sponsors with any company is what makes a new small business owners successful.
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Behaviors of a Good Sponsor: q Good Sponsors are very flexible and available to newcomers. q They tend to give you all the training and help they can possibly give. q Good Sponsors are interested in seeing you successful and want to help you make money, not just for their own profits but to help you reach your goal and dream of working from home. q Good Sponsors are great communicators and they train very well.
q They don't talk language that is confusing and they are quick to answer any ques@ons you may have. q When a newcomer to any marke@ng business is in a struggle Good Sponsors are oMen quick to give out pointers and help their team overcome any hurdles they may face when first star@ng out. q They are very good mo@vators, which is needed in this type of business.
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