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Radio Show Guest Highlights: Mary Corbitt Clark, Executive Director of Winning Workplaces



Mary Corbitt Clark, Executive Director of Winning Workplaces, joined the show last week. Winning Workplaces is a not-for-profit organization founded by one of the families who owned auto parts manufacturer Fel-Pro, Inc., which was nationally recognized for its innovative people practices and outstanding financial performance.

Mary and I talked about Winning Workplaces, its purpose, its annual conference titled The ROI of Winning Workplaces, and how Winning Workplaces helps clients create the ultimate competitive advantage: A winning workplace.

You can listen in streaming-on demand at this link.

Mary Corbitt Clark, how are you? I’m not encouraging stalkers, but where are you? What are you doing?

We’re in Evanston, IL. We annually host a conference in Chicago to honor the top small workplaces that will be named in the Wall Street Journal and to share best practices, inspiration, networking, with other small businesses that are interested in improving their business results by creating strong workplaces.

Is everybody at winning workplace having as much fun as you are?

I believe they are. Now, in this economy, it is tough, even for the best workplaces. But I do see that those that have effectively engaged employees are doing far better and coming out of the impact of the great recession more quickly than those who don’t have a strong culture or don’t have their employees fully focused on what it takes to be success.

I wish I had found you when I was CEO of a small company. We had some success creating a winning workplace through trial and error.

It takes some understanding to discover the drivers of your business. Most companies get there by trial and error. Most start up organizations with a handful of employees are more concerned with money, defining product or service, how to go to market, and how do we get out there and then how do we keep ourselves afloat with the financial resources they need to solidify and take off. Fairly often they get to a certain stage and they realize they need to focus on the organization, build some infrastructure and attend to those elements that have a very strong impact over time.

Occasionally, an insightful leader with start an organization and define it by being the kind of place they always wanted to work. These types of companies establish the kind of culture they need because they know what they need to do to accomplish their goals and business.

Your background is in maximizing performance in individuals and organizations and you have worked at big consulting firms. I assume that meant working with larger corporate clients. Winning Workplaces generally is more about small to medium size businesses – what about that appealed to you?

I had already migrated –having spent 13 years with large companies. I had already seen that creating change with them was more difficult with an embedded culture. Its hard to move an ocean liner. I could see smaller organizations are more nimble, more adept at creating a strong organization is easier in a small company. I could see the opportunity to create change. I could see the opportunity to have an impact that I couldn’t have at larger workplaces. I could pursue my mission with Winning Workplaces in a broader sense with the brand of a manufactruing entity that had a strong reputation for progressive workplaces.

Winning Workplaces has been around for eight years. Can you share with us more about the history and founders?

Fel-Pro was owned by a family for 80 yrs and 4 generations of family business. It started out as an offshoot of a business that created brake pads for horse buggies. As the automotive industry grew, Fel-Pro grew as well. It focused on creating gaskets for the aftermarket...they just blossomed. They had 2000 employees. In the late 90’s, as the automotive market changed, it become clear that Fel-Pro must change as well. The family knew they couldn’t run the business they way they wanted too. They ended up selling the biz.

They learned that by treating their employees with respect and creating an environment which open communication was highly valued and by celebrating the fact that they could have a successful business together. It was indeed very generous.

They never had to pay to recruit employees. Their tenure was quite long. They brought in their families and friends. They created a community that till to this day talk with great pride for working with Fel-Pro.

Our annual recognition project which began in 2003, we worked with Fortune Small Business magazine to identify The Best Bosses from across the country and that morphed into The Best Small Workplaces. Since 2003 we have been seeking out outstanding small businesses that have created highly engaging workplaces and have been successful businesses as a result. We see leading edge practices, get to know commited and inspiration leaders. I see the small business sector as the most innovative and progressive part of our economy.

What are some of the practices that they brought from their company into the new organization, Winning Workplaces, a winning workplace?

Many of the elements we see in smaller workplaces are elements we try to live to here. The challenge of talking about excellence is that you always aspire to something that is just beyond your reach. Let me talk about aspirations. We do have a good workplace. We have a strong sense of team. It is difficult to speak about ourselves, but what we create in our culture is what we want to see in others.

The top 3 things, the most important things, for a winning workplace are:

1. Organizations with strong vision and shared values - people who come together because they are committed to what the business is about. Virtually all of our organizations can clearly communicate what they are trying to do and the values with which they operate. This is very important foundation. It draw people to the organization.

2. Open and honest communication. This is so fundamental but such a hard thing for an organization to accomplish. Those organizations in which transparency is really how they operate are more innovative, and their members understand what are the drivers and how they can improve efficiencies and how that shows up on the bottomline.

3. They invest in the workforce in lots of different ways. They invest in employee learning, very careful about how they hire, understand the kinds of people that will be successful in their organization, and committed to providing the benefits employees need. More and more are investing in company wellness centers, whether it’s a fitness center membership or a flu-shot. It’s an important piece or companion to providing health insurance.

Let’s talk about this event next week. It’s great. It’s titled: The ROI of winning workplaces. When is it, where is it?

The ROI of Winning Workplaces has been going on 6 years now. It's held in Chicago here. It is held each fall and held in conjunction with the announcement of Winning Workplaces. It is also a great learning event, a tool to help other small businesses towards success. We talk about current issues and topics effecting companies today. The winners not only create winning workplaces but they can sustain growth by creating a winning workplace.

How do they measure their growth?

How do you get to that balance where you allow your busines to thrive but it doesn’t overwhelm you.

24:01

The organizations that fall into our network are sustainable organizations. What we have seen is that good workplaces may have been hit by the recession, but they are coming back quickly. There are also a fair number of them that haven’t been hit as hard. Some have been able to sustain themselves because of their strong workplace practices.

What I noticed and enjoyed about your event is your list of speakers. As you mentioned, they are all previous winners of the awards. They are companies describing their winning workplaces and how they created them.

One of the things we have learned from small business leaders is that they want to hear from others who have been in the trenches and discovered successful methods and cultures. And they want those who have been recognized by 3rd parties. Winning Workplace doesn’t pick these winners.

What results from the conference is that people come and get a lot of new ideas. What I hear at each show is that people think they are alone and here they find other business that think like they do. There’s a lot of camaraderie and companionship with their peers who share the same values. They realize that they are not alone.

My friend and author Erika Andersen coined a term I really like. It’s reasonable aspirations or hoped-for goal. What was your reasonable aspiration or hoped-for goal with this event?

We wanted to get the message out, as broadly as possible. We believe that a big piece of our purpose is to draw attention to unsung heroes and to make it within reach, a reasonable aspiration, for small business leaders across the country to create winning workplaces or to improve their workplace to improve their business...to strengthen their business.

So much of the emphasis in business writing is about growing your market niche, how you come up with an innovative product. So little focuses on how do you build an organization that can support you to do whatever your business is about. We believe that it is a critical element in the economy, a pivotal leverage point that is under utilized.

That is our message and we want to get it out to the world. Our aspiration for the conference was to make the information more available and create a network of small business leaders who could support one another to do so.

There has to be research that shows that companies who build a winning workplace have better cash flow, happy customers and employees, better growth rates and so forth.

We have created a benchmarking report for the last two years to compare the top winning workplaces to the rest of the pool of other companies who think they have a great workplace. One of the challenges with small businesses is that they are privately held; therefore their financial information is not made public. What we get is their revenue and whether or not they are profitable. We clearly have good data on employee turnover, retention, employee learning. But to get more detailed information you need access to a public company.

Who should attend this event?

Anyone interested in building a strong workplace. It is most valuable for small businesses, but people in larger businesses who want to build a strong team will certainly benefit. It’s an opportunity to get your arms around the soft stuff. It’s not just one program. It’s a combination of things. This conference offers a great opportunity to get a nice dive into and learn more about what I can do about strengthening my company and its workplace.

What are top three reasons people should attend Winning Workplaces? Or three take aways?

I’m going to go right to the promotional materials that capture this best:
1. Examples of inspirational leadership in chaotic times
2. Best practices from leading small business innovators
3. Networking with small business leaders and the leading edge thinkers about small business

Not only leading edge thinkers, but leading edge doers.

YES!

Your speakers are speaking about the current economy and events. How have you seen this economy impact attitude in business towards creating a winning workplace?

I think many small business people have “panicked” and are trying to cope to get through. I can contrast that with one of our business leaders who will be speaking next week, Larry O’Toole, from Gentle Giant Movers, founded in 1980 and now has 17 operations around the country. The business has always been about building very strong customer relations in the moving business and developing employees within the business so that they don’t just hire day movers, they hire and train people how to do the job properly and make the bet of a stressful experience for people who are making a transition.

This economy hit residential moving very hard. They looked at the fourth quarter of 2008 and knew they had to make some serious financial refinements. Most companies cut the staff. They found ways to become more efficient with no layoffs. They focused on taking out the expense, eliminating costs they had developed.

One of the things that allowed them to grow was the development of employees and to do it right. There was a fair amount of investment and hard work, then, customer relationships then to be a lead on a team, and finally the next step is to open a facility within the network. They are able to hire people with aspirations, who want to learn. They aren’t just people who need a job today. There is a long term goal. 80% of their business comes from referrals or return business!

46:53

How does Winning Workplaces work with small to medium sized businesses to create their own winning workplace?

In 2002, we created a website full of information – there is so much there to help with best practices, case studies to read and many tips as well. We do monthly webinars and consulting/training.

When and why do clients contact you for help?

There are 2 different times clients reach out:
1. They want to do better and improve. A lot of leaders who are trying to make a difference, wanting something different and they know there are ways to improve their organization
2. Of if an organization s has fallen on tough times – they see that they are not being as successful as they could be. They want to understand what they need to do differently

How long do you usually work with a client?

It depends, but fairly often we are brought in for a specific engagement. One of the most common is an employee opinion survey or focus group to understand what's going on in the organization and share that with the leadership to problem-solve the issue. We are not there for the long term – we are there to come in, educate and assist the company towards change and understanding.

The best organizations will periodically call us to help them listen, take a snapshot, help them to identify the issues, and help them to address them.

In the past year, have the client’s motivators changed at all in the past year?

Tough times put in relief the problems your company may have. Good times mask some of the issues. Tough times put organizations in a place where they may have limited resources. One of things we are seeing right now as the economy improves is that companies want to position themselves to move forward, in learning how to become stronger. The companies are investing in the stronger economy.

Winning Workplaces has survived two recessions-can you share with us a profile whose business has thrived through working with you?

There is an organization who has been working with us since 2004 who regularly gathers and measures feedback on its performance. It asks for feedback from all of their stakeholders, creating a scorecard for themselves. Employee feedback is so important. This organization is also weathering the recession very well and looking to expand its service base, work from its expertise and strengths, move into a new market niche and they do a particularly good job of retaining their customers and employees. They gather the data and are attentive to it.

What are three things can companies or people do today, with little or no cash to build a winning workplace?

1. Talk to employees. Find out what they are thinking. Ask them about business issues/ideas. They can help you strengthen your business. You want to build a trusting relationship.
2. Share information with employees. The more info they have about the business, the easier they can help you to improve and solve the problems.
3. The best ideas come from multiple minds around problem solving.
Bring people together to solve problems. One of the things we see is that team-based work ends up with some of the very best solutions.

Thanks, Mary. Have a great conference!

Source


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Yahoo’s Zimbra launches next edition of email software


Yahoo’s Zimbra open-source email suite has launched its next major edition of software, Collaboration Suite 6.0 (ZCS 6.0).

The launch follows reports that Yahoo is actually trying to sell off the firm it acquired at the end of 2007 for $350m.

The Zimbra Suite provides email, contacts, calendar, search, VoIP and document-authoring tools.

The update will extend the applications to third-party developers, as well as improve enterprise collaboration through new calendaring, sharing and extended mobile support, claimed the firm.

Jim Morrisroe, Zimbra general manager, said, “Key features in ZCS 6.0 were determined by thousands of votes from the Zimbra community, enabling us to build a premier email and collaboration suite to address top requests, meet market demand, and position us to continue our strong global growth.”

A new tab will allow customers to integrate third-party web applications, offering better customisation and control of mash-ups within the suite, said Zimbra.

Additionally Zimbra users will be given a three-pane email view and improved visual view of appointments when using their calendar. Zimbra has added read receipts to emails, as well as the ability to sort emails by size and attach files easier.

To give users an enhanced mobile experience, Zimbra said security updates like remote device wipe will protect sensitive information. Users can also now search their Zimbra contact base on their mobile phones.

Source

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Microsoft SQL still the popular choice in developing markets


by: V3.co.uk

A survey of 400 developers in China, India, Eastern Europe, and Latin America has shown that Microsoft’s SQL Server is the most popular database application in use, but its open source competitor MySQL is gaining ground.

Over 50 per cent of those surveyed reported that they were running SQL Server, with use particularly strong in China and Latin America. MySQL's popularity is however growing and it was used by 46 per cent of companies and most popular in the Indian market.

Microsoft’s Visual Basic programming language was also popular in the emerging markets, with Latin America and China leading the way, but it is less popular in Eastern Europe.

The research also found that development teams were typically largest in India and smallest in Latin America and Eastern Europe. 80 per cent of Latin American development teams had fewer than six members, compared to under 30 per cent in India.

"Even in this economic downturn the emerging markets represent a significant opportunity for ISV's as we see developer population growth being more than double that of the rest of world," said John Andrews, president of Evans Data, which carried out the research.

"However, the approach to these markets has to be tailored given the vast differences we find with their developer demographics and consequently the associate differences in their technology and services adoption.”

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Cisco Australia excels in tough market


Revenues up and costs down.

The Australia and New Zealand arm of networking giant Cisco Systems has bucked global trends during the FY09 year, experiencing topline revenue growth of 20 percent.

The networking company's local vice president Les Williamson [pictured, right] took time out with the press at this week's Cisco Networkers conference in Brisbane to provide an insight into the company's performance from August 1, 2008 to July 31, 2009.

Williamson said revenues grew 20 percent even while he was ordered by Cisco chief financial officer Frank Calderoni to cut costs during the financial crisis.

Calderoni had asked Cisco's management to take between $1 billion and $1.5 billion of costs out of the business, Williamson said, with the Australian office urged to cut $1 million.

Williamson managed to cut 22 percent out of the local operation's costs, but claimed to have done so with customer satisfaction remaining at a constant and staffing levels experiencing "modest single digit growth" over the reporting period.

"We have taken an operating expenses reduction rather than headcount reduction," he said.

Williamson said that like many of its customers, Cisco Systems' local operations was undergoing a "business transformation".

The company spent $890,000 less than the year prior by using its own telepresence technology instead of paying for flights. Globally, this strategy has saved Cisco Systems $700 million over the financial year, he said.

But these savings factored in "productivity gains", the calculation of which was murky. Williamson said these were calculated by measuring the "cost of enabling the sales team to generate revenue."

Cisco Systems also experienced "very strong growth in public sector, particularly in education and health," he said.

"For the first time in memory, Australia's Prime Minister is talking about IT infrastructure as a key plank going into the economy," Williamson said.

Williamson applauded the Federal Government's purchase of Cisco telepresence units and the reinvestment of Business as Usual savings into more productive technologies as part of the Gershon review.

Looking ahead, Williamson was leading a recharge of Cisco Systems' channel strategy for continued growth.

He said the company globally had begun to report better profits and revenues in its most recent quarter.

Source

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A Business Card Question For Those Who Know

A true business credit card is a line of credit that is taken in the name of the business, under the business' credit. Activity, whether good or bad, is reflected on your business' credit report through D&B and other financial institutions, and the liability for any debts incurred and bills owed is with the business.However, some companies out there offer "business" credit cards which they require a person guarantee for. These institutions will often ask for a personal guarantee, and will almost always ask for a social security number from the person applying for the card. If this is the case, the credit card is not a business credit card, but is simply a personal credit card which is used for the business. The business is not liable for bills and debts - you are.When applying for a credit card for your business, watch out for areas asking for your SSN (and not your TaxID or EIN) and be wary of any credit card that asks for a personal guarantee. By ensuring that your credit card is in the name of your business, you can help to build your business' credit, while avoiding creating problems with your own.


Many companies offer a list of credit cards that are issued under the business name only. Those lists typically run $300-$900, depending on the quality of the information inquiring. I would suggest starting your search online via google or yahoo. Search for "strong business credit" (just like that in quotes) to find services that sell the information.
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Citi Forward Card


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Reduce your purchase APR by .25% when you 1) make a purchase, 2) stay under your credit line and 3) pay at least your minimum amount due on time 3 billing periods in a row. Your Card Account must be open and not in default at the time of the quarterly reduction or such quarterly reduction will not apply. The purchase APR on your account can be reduced a maximum of 8 times up to a total reduction of 2% throughout the time your account is open. The APR reduction does not apply to Balance Transfers or Cash Advances.

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ThankYou® Network
Citi Forward Card Terms and Conditions
ThankYou Network is offered to certain cardmembers ("you") at the sole discretion of Citibank (South Dakota), N.A. ("we"), the issuer of your card account ("Card Account"). ThankYou Network or any portion thereof may be revised or terminated with 30 days prior written notice. Any revisions may affect your ability to use the ThankYou Points you have already accumulated. If ThankYou Network is terminated, you will only have 90 days from ThankYou Network termination date to redeem all your accumulated ThankYou Network points ("ThankYou Points"). ThankYou Network rewards and ThankYou Point levels required for specific rewards are subject to change without notice.

Unless you are participating in a limited-time offer, you will earn five ThankYou Points for every dollar you spend on purchases at (1) book stores, (2) record stores, (3) restaurants, including fast food restaurants, (4) motion picture theaters, and (5) video entertainment rental stores ("qualifying merchants"). You will earn one ThankYou Point for every dollar you spend on all other purchases. Book stores are defined as stand-alone merchants that primarily sell, for consumer use, books (including textbooks), magazines, maps, and calendars. Record stores are defined as stand-alone merchants that primarily sell, for consumer use, records, compact discs (CDs), music and video laser discs, and blank audio and videotapes. Restaurants, including fast food restaurants, are defined as stand-alone merchants that primarily prepare food and drinks for immediate consumption by consumers, either on the merchant's premises or packaged for carryout. Motion picture theaters are defined as stand-alone merchants that operate movie theaters, and sell tickets as well as refreshments. Video entertainment rental stores are defined as stand-alone merchants that primarily rent videotapes, laser discs, DVDs, and video games for consumer use at home.

Purchases not eligible to receive the five points include, but are not limited to, purchases made at warehouse clubs, discount stores, department stores and convenience stores. Online and catalog purchases are not eligible to receive five ThankYou Points unless the merchants appropriately identify the transactions.

We do not determine whether merchants appropriately identify all transactions you make on your Card Account, but we do reserve the right to determine which purchases qualify for ThankYou Points. You can earn up to 75,000 ThankYou Points during any calendar year (eligible purchases appearing on your January - December billing statements). You may only earn ThankYou Points on your Card Account as long as it is open and current. ThankYou Points expire five years from the end of the month in which they are earned unless ThankYou Network is terminated.

You will earn 100 bonus ThankYou Points at the end of every billing cycle during which you make your Minimum Payment or more on time, and at the end of which you are not over your credit limit. Your account must be open and not in default under any Card Agreement in order to be eligible for this award. Accounts with a zero Minimum Payment due at the end of a billing cycle will not be eligible for an award for that cycle. These bonus points are not included in the annual calendar year limit.

If you are approved for a Card Account, a ThankYou Network Member Account ("ThankYou Member Account") will be set up for you. ThankYou Points post to your Card Account at the close of each billing cycle, and at that time, we will transfer the ThankYou Points you earned to your ThankYou Member Account. ThankYou Points are not eligible for redemption until they are transferred to your ThankYou Member Account. ThankYou Points may not be redeemed and may be lost if your Card Account is not open or current.

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After promotional period, standard APR for purchases applies to remaining promotional balances. As of June 17, 2009, standard variable APR for purchases is 14.24%; standard variable APR for cash advances is 21.99%. However, if you default under any Card Agreement because you pay us late, go over the credit line or make a payment to us that is not honored, we may automatically increase the rate on all balances (including promotional APR balances) to a variable default rate of 29.99%. Minimum finance charge is $.50. Foreign purchase transaction fee is 3.0% of the U.S. dollar amount of each purchase made outside the U.S., whether made in U.S. dollars or in a foreign currency. Balance transfer fee is 3.0% of each balance transfer amount, $5 minimum. Cash advance fee is 3.0% of each cash advance amount, $5 minimum.

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6,000 bonus ThankYou Points can be earned by new Citi Forward cardmembers approved through this offer. To receive bonus points, make $50 in purchases within 3 months of account opening. All points become available for redemption when they are transferred from your Card Account to your ThankYou Member Account.

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5,000 bonus ThankYou Points can be earned by new Citi Forward cardmembers approved through this offer. To receive bonus points, sign up for Paperless Statements on this account within 3 months of account opening. You may only receive this bonus one time. All points become available for redemption when they are transferred from your Card Account to your ThankYou Member Account.
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Big Banks’ Sneaky New Tricks

Erik Weech learned about sneaky banking polices the hard way.

A few weeks ago, Bank of America hit the Chicago marketing man with a $35 overdraft fee when he had more than $130 in his account. The bank was apparently “holding” his money for charges that hadn’t cleared — only they appear to have been holding three times more than he actually spent. Then, if that wasn’t enough, they “reordered” his subsequent purchases in a way that tripled his overdraft charges. Within a couple days, he had racked up $140 in fees.

Authorization holds and transaction reordering are among the banking practices taking increasing heat recently from both consumers and lawmakers. Although nickel-and-dime fees are pervasive — just check your cable bill — the big financial institutions have become poster children for customer abuse. With direct access to your cash, they have developed a range of sneaky tricks that can quickly whittle down your account.

Use your credit card and you’re likely to find that they’ve hiked your interest rate, perhaps switching it from a fixed-rate to a variable. Don’t use your card and you could get hit with an inactivity fee. Fail to fix an overdraft promptly and you could get hit with a zero balance fee — in addition to overdraft charges. Flee the bank and they’re likely to slap you with an exit fee.

“Consumers would be shocked at how many different tricks the regulators allow banks to use to take money out of their wallets,” said Ed Mierzwinski, consumer services projects director at the U.S. Public Interest Research Group in Washington. “As long as the banks disclose in the small print that they are going to rob you, it’s legal to rob you.”

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Paying by Credit Card, Paypal Online


How to Paying by Credit Card
  1. Credit is not the tool you think it is. Remember that credit card companies are in the business of making money. Adopting a "Cash is King" policy will go a long way in stopping your dependency on credit.
  2. Stop using your cards. Literally freeze them in a block of ice if you need to. (Hanging a sealed bag of water, with the cards inside, is a fun and mess-free way of doing this.) Or, you can take your cards and cut them in to pieces with scissors, this way you are sure that you won't use them again.
  3. Look at your balance. Multiply it by .5. This is your next payment. So if you have a 1000 dollar balance, your first payment is 500.
  4. Repeat step one. Each month look at your balance and pay off 50% of it. By the 6th or 7 month you will owe less than $20, and then you pay that off and you are done.
  5. If you do this and then calculate the true interest that you end up paying, you will be pleasantly surprised. If our example credit card account had a 15% advertised rate, your would have only paid 2.5% in interest.
  6. Track your spending, and find extra money to pay of your debt.Get an extra job,doing extra chores...
  7. Stop spending money on the little things.For example: Don't buy your books/DVD's or CD's just lend them from your local library. Don't buy sandwiches outdoor, just make them at your home.
  8. Stop spending and save more.Save every month a little bit of money, it may seem not that much, but its a beginning.
  9. Look if you can put all of your debts together. This way you don't have to pay all that extra rent to the bank,it will release your debts a little bit.
How to Paying by Paypal


What is PayPal?

PayPal provides a way to send money to anyone in the world who has an email address.

But, first you have to register your details (including Credit Card details) with PayPal. As part of this process you decide on a password so that you are the only one who can access your PayPal account.

All this information which is sent to PayPal is sent securely (ie all the data is encrypted) so that even if intercepted by anyone while passing across the Internet, the information cannot be extracted. Only PayPal can decipher the data.

(PayPal uses "SSL security" which is the industry standard way to send sensitive information in a highly encrypted form across the Internet. Virtually all on-line stores and banks use this same system.)

The advantage for the seller (me in this case) is that I don’t have to set up a "Credit Card Payment Gateway" with a bank to be able to accept Credit Card payments. Such a set-up with a bank is not economical for such a moderate volume of transactions.

The advantages for the buyer (you) are:

  • ease of payment via Credit Card
  • ability to pay in your local currency without paying any bank fees (bank charges for International bank drafts, or currency conversion fees)
  • you pay no fees to PayPal
  • no postage costs or postal delivery delays when sending your order and payment to me
  • you have a record of your payment
Are there any risks that my details or password will be revealed to 3rd parties?

Because of the encryption used, the main security risks are not to the information while in transit across the Internet, but at either end of the transaction.

At the PayPal end it is possible that a criminal insider could obtain access to your information. Their internal security system is designed to greatly minimise this risk. The risk is much less than if you were to physically use your Credit Card in an actual store to buy goods. An employee could record your Credit Card details.

At your end, the 2 main risks are:

  • Firstly: that you reveal your password to someone (eg by writing it down and keeping it in a place that is insecure such as on your work desk, or in your wallet, or on a note attached to your computer).
  • Secondly, that you reveal your password to a fake PayPal site. This scam is known as phishing. The way it works is that you receive an email pretending to be from PayPal asking you to log-in to your PayPal account to update your details, or to check possible suspicious activity on your account, or because of a software upgrade, or some similar statement. The email provides a link for you to go directly to a website pretending to be the PayPal site. This site is set up to be identical in appearance to the 'real' PayPal site. If you enter your password on this fake site then the criminals behind it can access your account (as you have just given them your password!) and send money to accounts they control. For more details on phishing see here. This type of scam is now so common that many people have now received them. Forward any PayPal one to spoof@paypal.com

Remember: NEVER EVER click on a link in an email to go to PayPal or to a bank website - it is very easy to place a fake 'from' address in an email, and it is easy to redirect you to a fake site, even if the name of the link in the email looks correct

I have never used PayPal before, how do I register with PayPal?

Go to the PayPal home page at: http://www.paypal.com and click on the "Sign Up Now" link.


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Webinar: Using Online Services and Mobile Apps to Save Time and Money

Using mobile devices to conduct business is a growing trend. This webinar will help you figure out how to jump on this trend and stay ahead of the curve.

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You’ll learn new ways to do business while out of the office, that will help you make money — and save money. You will hear how low-cost online services and mobile applications can help you perform important tasks, collaborate with employees and partners, generate revenue and build strong relationships with customers and prospects – all from your web browser or mobile device.

If you’ve been looking for ways to innovate and run a lean and mean organization, this session will give you ideas and bring together the people you can ask questions of.

The webinar is hosted by Brent Leary and me — and do we have 3 highly-qualified expert guests for you! They are:

Mary Shapero, Product Manager, Intuit GoPayment. Intuit GoPayment is a mobile payment product that allows small businesses to get paid on the spot, by accepting credit cards using only a mobile phone.

Taylor Mingos, CEO, Shoeboxed.com. Shoeboxed is an easy way to digitize and organize your receipts and business cards. With Shoeboxed, you can mail receipts and business cards and they will be scanned and entered into an online account for you.

Vivek Thomas, President, Maximizer. Maximizer is a CRM provider that also provides Mobile CRM. With Mobile CRM your staff gets access to accounts, sales deals, service cases, and schedules while on the road.

Here are the Webinar details:

When: Wednesday, September 30, 2009, from 1:00 – 2:00 pm New York time

Cost: Free

Topic: Using Mobile Apps and Online Services to Save Time and Money:

Participate via Twitter: Tag your tweets about this webinar with the hashtag #smbmobility and follow the action at SmallBizWednesdays.com.

Register: Sign up HERE to attend.

Calendar reminder:

We hope you’ll have an opportunity to join us as we learn how to utilize these important new tools and strategies to better connect with today’s socially-empowered, on-the-go customer. Part of the Wednesday Webinar series.

Big thank you to BlackBerry
- sponsor of the Wednesday Webinars.

Author: smallbiztrends

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Tips To Get People To Join Your Facebook Fan Page


Facebook has made its site a whole lot more appealing for small business owners. Small business owners have the ability to seek out the people talking about them and users can get their voices heard, knowing businesses can check to see who has tagged them. But before either party can take advantage of Facebook’s new feature, you first have to get your customers to opt into the relationship. You have to give them a reason to friend your Facebook Fan page, and that’s not always easy.

I’ve written in the past about how to create a Facebook Fan page – how to set it up, what to put on it, how to make it look and feel like your brand. But how do you get people to actually want to join the page? How do you combat brand fatigue and take them from a passive observer to a full-blown brand evangelist?

You have to create an incentive.

Make People Feel Part Of Something

Think back to high school. You joined cliques for survival and to help you feel liked, respected, wanted, etc. You joined because you were made to feel like you were missing out if you weren’t part of the group. Social networking works the same way.

It’s very easy to be passive on Facebook. If you want someone to take that step and openly associate themselves with your brand, you need to make them feel like they’re missing out by NOT being part of your community. That they’ll be losing out on a common experience or missing the joke if they stay on the outside. You create that by making your community sound and feel 100x times larger than it actually is (unless you’re purposely trying to seem small and elite). You fake it until you make it. You make tagging part of your fans daily interaction with you. You make a game out of it so that you’re always showing up on their wall (with a link to your Fan page) and they’re always showing up on your page. Doing this helps spread your brand, it keeps you in people’s top of mind, and it makes them curious as to why they’re seeing you all over the place. I mean, how else do you get people to become fans of tarantulas?

Appeal To Core Members

Every group has a core bunch. The handful of folks who are responsible for change, for leading things, for getting everyone excited and spreading the company message. Reach out to these folks and get them involved in talking about your Fan page.

Create your promotional army by hand selecting the major players, sending the messages thanking them for their support, and then telling them that you need their help. Make them feel important and like they’re on the cutting edge of whatever you’re doing. Get them to always be talking about you and tagging you places. These types of action increase your trust, build your credibility and give you social proof. These types of connectors are usually the ones with very large social networks on sites like Twitter or Facebook. Ask them to use Facebook’s Suggest feature to “suggest” that their friends fan your page. When the request comes from them, it’s harder for others to decline and it just reinforces that “inside joke”.

Offer Exclusive Content

Facebook is much more intimate than the other social media sites. Users are less likely to invite strangers into their networks and are wary of brands. If you want their attention, you have to give them something of value for their efforts. Something exclusive that they can’t get from your Web site, Twitter account or anywhere else on the Web.

The most popular way of doing these seems to be through Facebook-specific coupons or special offers. Friday’s is offering free hamburgers, Victoria Secrets gave away free undies, Sears gave away coupons and gift cards, etc. Other brands give away exclusive content via video, photos, applications, advanced notice of events, or even just real interaction with other members. Figure out what your customers crave and then give it to them.

Make Your Fan Page Their Forum

No one wants to join a group where they have no voice. They want to interact with the brands they love and feel like they’re being listened to. Once of the best ways to get people to fan your page is to use it as a forum where you ask and listen to your customers’ advice. Let your members lead by turning your Fan page into a place where users can express themselves, to talk about what they don’t like, and things like they’d like to see you do in the future. If you have an upcoming campaign or product you’re working on create a Facebook focus group that encourages people to offer their input. If word gets out that your Facebook Fan page is where you go to crowdsource your ideas, people are going to want to be a part of that. Make your Fan page the place where your customers can go to get heard.

Facebook Fan pages have always been a valuable way to build a community and learn about your audience. However, now they’re also a great way to get your users to spread the word about your brand to their friends with the use of tags. Give them a reason to join your Fan page. Make it exciting and worth their time. And then encourage them to talk about you, to tag you and increase the eyeballs interacting with you online.

Author: smallbiztrends

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137 Small Business Twitter Tips

Over the course of several weeks, we accepted your tips via email, Twitter and in comments to the original post. We asked readers to simply answer one of the following 6 questions:

  • Getting Started: How would you suggest other small businesses get started on Twitter?
  • Smart Marketing: What’s the right way (or wrong way) to promote your business on Twitter?
  • Observing Etiquette: What is your #1 Twitter etiquette tip for small business owners?
  • Spreading Your Message: What is your best tip for getting re-tweeted?
  • Time Management: How do you manage your time on Twitter?
  • Advanced Strategies: What is your best kept secret (something not widely known) for using Twitter in business?

To all of the Small Business Trends readers, thank you very much for participating. We gathered a whopping 137 small business Twitter tips!

All of the tips have been compiled into one downloadable document which is available to you now.

Feel free to share this PDF document, link to it or post it on your blog or website, print out copies and share with your staff — the document is yours to use and share. I invite you to use it to the fullest.

Download the PDF containing all of the free tips:

Collection of 137 Small Business Twitter Tips (PDF).

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4 Tips to Build An Engaged B2B Twitter Following

At nearly 6 months into our B2B Twitter experience, we’ve been more successful at developing a following and engaging our target audience of B2B marketers than I initially expected. These gains have come through a combination of focus – rather than trying to tackle the entire world of B2B social media opportunities all at once, we tackled two blogs and two Twitter accounts with two FTEs – consistent measurement and a healthy willingness to test a wide range of Twitter tactics rather than just following existing “best practices”.

A Look at the “Pro Business Tweeters”


One of our goals when starting on Twitter was to learn the fastest route to a large, engaged group of Twitter followers. We had some advantages in building our @B2BOnlineMktg account, like thousands of subscribers to our B2B search marketing newsletter that we could make aware of our Twitter presence, but we intentionally didn’t use all our promotional power to drive followers. As I’ve said before, we also didn’t use the “spam-and-cull” approach - following hundreds or thousands of Twitter users, seeing which ones automatically follow back, culling out those who do not, following another set of users, and so on - because we want a large and ENGAGED following. What good are 10,000 Twitter followers if none of them pay any attention to what you’re tweeting?

To start getting a handle on how to build a large, engaged group of Twitter followers, we followed a number of more experienced B2B Twitter accounts with 5,000+ followers and started watching for patterns. The follower-friend ratio caught my eye because, after researching many of the existing B2B social media “best practices,” it was clear that there were two very different, and often conflicting, perspectives on the right way to engage in social media.

The first is a view of social media as an interpersonal medium governed by interpersonal rules. For example, if someone wants to be your friend, the polite thing is to shake hands, say “hi”, and try to be friends – most people would consider it just plain rude to walk away. Those pro business tweeters with a follower-friend ratio around 1 seem to be following this norm and with automatically following someone back. Since there’s no obvious, objective benefit to blocking a follower if you decide not to be their friend, follower and following counts grow together.

The other group with a follower-friend ratio on the 5+ range seems to be viewing social media as a mass communication medium governed by mass communication rules, and the pro business tweeters in this group are often larger companies, business media and/or experienced execs at mid- to large-sized companies. From a mass communication perspective, it’s perfectly acceptable and even expected for the relationship to be one-sided or interactive only on demand (such as when a customer has a question). After all, its utterly impossible for someone to follow 5,000+ other Twitter users, let alone 500, and pay attention to all their tweets. If you think reading and processing 100 emails a day is a challenge, try 5,000 tweets.

You see these same styles with newer and much smaller Twitter for business accounts as well – some follow hundreds of others to kick start their own follower base (and then worry about how unfollowing may hurt their reputation) while others follow very few but seem to attract a lot of followers themselves.

How to Build An Engaged Business Twitter Following

If you’ve thought of using Twitter for business and/or find your existing business Twitter presence stalled out with little follower engagement, here are some thoughts to get you on the right track:

1. Twitter is a viable business communication channel, end of story – From what I’ve seen in the past six months, Twitter has a role as a business communication channel for most B2B companies. Whether Twitter figures out a way to monetize its business or not is irrelevant because, if Twitter fails, some other micro-blogging platform will take its place. If you’ve already tried Twitter for your business and struggled to make it work, it’s most likely because the B2B social media rules are still being written. Don’t give up, and keep your eye on this list of B2B social media resources for the straight scoop.

2. Twitter for business is mass communication – I’m sure I’ll get hate mail for this one but if you plan to use Twitter for business, and you have more than a few hundred prospects/customers/influencers combined, you’re kidding yourself if you think interpersonal norms can govern how you use Twitter or other social media for your business. Why? Because Twitter is incredibly inefficient for forming interpersonal relationships. 140 character tweets are efficient for finding interesting people/content, maintaining contact with existing “friends” (as was the original purpose of Twitter) and asking/addressing simple questions. Establishing more meaningful business relationships through Twitter, though, is highly inefficient – people connect on Twitter, then want to take the conversation elsewhere because going back-and-forth through 140 character bursts is a quick road to carpal tunnel syndrome. For the vast majority of businesses out there, “mass communication” is the model you should follow as you plan your Twitter strategy.

3. You have a business contact list, so use it – As a business on Twitter, you don’t need to build a following like an individual would. This is a key advantage for business Twitter users that’s either forgotten or, more likely, ignored out of some combination of a misplaced desire to not disrupt existing communication channels and the sheer revulsion many B2B marketers feel when considering how a P2P or B2C trend may apply to their business. Get over it. Establish a basic Twitter presence, make your prospects and customers aware of this new channel, and let them use it.

4. Focus on tweet quality over tweet quantity – I covered this finding in my interview with Mark Schaefer about Twitter for business, but we’ve found that tweeting interesting things (e.g., tweets with links that more people click on) has a much bigger, positive influence on follower growth rate than does tweet volume (e.g., making sure you tweet very frequently to keep your tweets in front of your followers). In other words, the best practice for getting people’s attention and interest on Twitter is the same as it is across other business communication channels – talk when you have something important to say. Blanketing your followers with tweets doesn’t work any better than does blanketing the media with press releases about non-issues or hammering a direct mail list with irrelevant offers. One more reason to look at Twitter as a mass communication channel for business rather than a medium ruled by strict adherence to norms of interpersonal interaction.

The next step in our social media experiment: finding out how you use social networking sites. Are you using Facebook to promote your business? Are you finding information and resources on Twitter to help you do your job more effectively? We’ve put together a business social media benchmarking survey to uncover the most important social media metrics, what’s working in business social media (and what is not), and how use varies by company size, industry, customer focus. Everyone who completes the survey by September 4, 2009 will receive a free summary of the results in mid- to late-September, just in time for those graphs and charts to be useful for planning your 2010 marketing strategy and social media initiatives. We’re also holding a drawing for a $2,000 American Express® Gift Card among all eligible respondents who complete the survey

About the Author:Ben Hanna is VP, Marketing for Business.com.
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Small Business Already Taxed for Healthcare (or its lack)


And their employees get nothing.

Opponents of healthcare reform, coincidentally those with health insurance, often cite its impact on small business. In particular, healthcare reform opponents cite the provision that small businesses, all businesses, be mandated to provide health insurance for their employees. They costs will be draconian, it's claimed.

Putting aside the inconsistent logic that investing in the health, care and maintenance, of your number one asset is unproductive...let’s look at the current draconian taxes already forced on small business by our current healthcare system.

Bankruptcy costs. 50% of personal bankruptcies are caused by catastrophic healthcare costs. Catastrophic means...their recipient cannot afford them. Their catastrophe arrives from many sources:

1. No health insurance
2. Inadequate health insurance
3. Rejected health insurance claims
4. Delayed healthcare. Like delayed justice, delayed healthcare is no healthcare. A chronic health issue ignored over time becomes a catastrophic healthcare cost. No one chooses to ignore their healthcare. We ignore our healthcare because we cannot afford to pay attention to our healthcare or that of our children.

This number, 50%, only continues to rise as the costs of healthcare grows faster than wages and inflation.

Why does this matter? Debt waived in a personal bankruptcy only disappears from the balance sheet of the bankrupt. It’s passed on to their creditors, who then pass it on to their consumers in the form of higher costs. So, first the bankruptcy debt is absorbed by the business. Then business, in turn, passes on those costs to we, the consumer, in the form of higher prices.

How much is all of this? Let’s look at the math:

* Average amount of debt by those filing for personal bankruptcy was 1.5 times their annual income in 1997. Bankrupcty Action
* Average personal income in 2006 was $36,000. Link
* Number of filings in 2009. 1.251 million non-business bankruptcies were recorded in 2009 (june 2008 to june 2009) US Administrative Court Filings
* Total Cost of Bankruptcies Caused from Catastrophic Healthcare Costs? $33,777,000,000.

(1.5 x 36,000 x 1.251 million = (drum roll, please) $67,554,000,000 and then 50% of this = $33,777,000,000.)

For $33,777,000,000, small business and its employees receive:

* No health insurance, no or inadequate healthcare for its employees.

Job-lock Job-lock is the term used to describe employees locked in their current job. They are locked in their current job for the healthcare benefits the bigger company offers and the small business cannot afford to offer.

What’s this cost to a small business? Quantifying this cost to small business and our economy is difficult. But, did you notice the news that this economic recovery is a job-less recovery. And did you notice that small business remains the top source for layoffs?

Without the talent needed to provide leadership, ideas, skills and strengths, to find solutions, to attract more talent of the same caliber increases the likelihood that both scenarios remain. Why? Small business is unable to provide the healthcare benefit needed to lure the talent necessary to drive their business and create jobs.

Lost productivity. This will come in several forms:

  • More sick days
  • More employees sick
  • More time off to take care of families
  • More distractions in the workforce. As more of your employees must spend their resources to deal with the lack of affordable healthcare...you lose their productivity from their lack of focus, from their time spent on the phone with family members and doctors, etc.

Lost employees. See job-lock. This is the flip-side. Your talented employees will leave to find the healthcare benefits you cannot afford.

Like most of our healthcare system, the true costs are hidden or disconnected from their impact, their provider and the recipient.

Small business is already taxed with the costs of providing for our current healthcare system. The difference is there are no benefits received by small business and its employees for these taxes, these costs.
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7 Steps to Boost Productivity and Profits by Up to 40%


This idea that we’ve created an under-utilized workforce continues to grab my attention. Here’s one bit of data that supports the idea:

A poll by The Work Foundation found that 40% of workers had more skills than their job requiredHuddersfield Examiner

Here’s more. A recent study by Gallup that’s discussed in a post by Eric Brody on his blog, Healthy Conversations:

In a recent article on MarketingProfs, Gallup research of 300,000 businesses indicated that 75-80% of employees are achieving much less and feeling far less enthusiastic about their work than they could be. If all your employees were “fully engaged,” …. your profits would jump 40%. Eric Brody, Healthy Conversations

Small business needs 40% more productivity and profits. Why? There is the obvious, micro-economic, reason. Every business needs 40% more productivity and profits.

But, there’s the macro-economic reason too. It’s as obvious, too. Our economy depends on small business to create to the new jobs. These new jobs are required before we drive out of this recession. Right now, small business may not be performing that role so well.

We all know this. But, just to remind us all and add a little urgency, here’s a few signs:

Here are 6 steps to boost productivity and profits by up to 40%. Take any one of them. Or, just take one. But get started today. Your business needs the boost. Our economy needs the boost. Your neighbors need the jobs.

1). Imagine.

Imagine your company with a 40% boost in profits and productivity.

What are the metrics you’d use to:

  • measure your progress.
  • alert you when you’ve reached your target

What goal remains elusive now?

Would a 40% increase in productivity or profit bring you closer to reaching it?

Erika Andersen describes this process in her book Being Strategic. Great book. I reviewed it in a post I wrote last week and published today.

You can listen to my conversation with Erika Andersen here.

2). Learn.

Two of the best books on uncovering and unleashing the strengths of your greatest asset, those in your organization, are by Marcus Buckingham:

Read them. Learn from them. Learn how matching your employees’ strengths with their job description and recognizing them and putting them in a position to grow is the key to your growth.

3). Ask.

Ask those in your company. Ask them:

  • What they could do better,
  • How could they do it better,
  • Why could they do it better.

Keep asking:

  • When do they feel the strongest, clearest, happiest?
  • What are they doing?
  • When are they doing it?
  • What more do they need to have this experience more frequently?

Ask your customers, too. Time is precious, yours and theirs. Use the most efficient customer-survey. It is the 1-question Ultimate Question Survey that generates their Net Promoter Score and collectively, yours as a company.

4). Get Your Freak On.

Dave Rendall at his Freak Factor blog suggests the flip side of one’s weakness is one’s strength. It’s the setting that matters. For instance, if you have a loud opinionated employee who can never stop talking…find a place where loud opinions constantly shared are desired, helpful. Everyone will thank you. Likewise, if you have one employee who is obsessive about details, find a place where details need obsessing.

You can listen to my conversation with Dave Rendall here.

5). Recognize. Immediately. Meaningfully.

Recognize excellence, strength, success…Do it immediately. Make that recognition meaningful. Meaningful means meaningful to the recipient. Steps 2 and 3 will help you find those ways.

Recognize also means to celebrate. Celebrate your successes regularly, immediately.

6). Make the Party about Their Life.

Make sure you give your stakeholders one unique reason to celebrate their life, to look good for their stakeholders. ( Tip of the hat to Kathy Sierra. )

7) Measure the results.

Measure as you grow. Change the metrics as you grow. As you engage everyone in this conversation, your metrics, quantitatively and qualitatively, will change. These changes will serve as both a reason to celebrate and a future baseline to exceed.

Note: Each step here is a financially risk-free investment. Financial investments are earned as a reward only after the accomplishments are recognized. What are we waiting on? We, our companies and your communities, need us boost productivity and profits by 40% in order to create the jobs to drive us out of this recession.

Author:Zane Safrit

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8 Simple Rules for Rating A Business Opportunity


So you think you have found the one business opportunity that will bring you freedom, fame, and plenty of profits? Does it meet the 8 simple rules? Before you run out and cash in your life-savings, stop and separate your emotions from the small business opportunity.

Emotion and passion is an essential ingredient to business success, but hold off on that inner fire until your business opportunity can pass the 8 simple rules to see if you have a winner.

8 Simple Rules for Rating A Small Business Opportunity

1. Beta Test it: As any successful software developer knows, a beta test gets your product in the hands of users early for critical feedback. Do not keep your idea secret. Share it with a select group of potential users. Without real-world feedback your business opportunity will quickly hit the wall.

2. Find the Target: Far too many small businesses fail trying to be everything to everybody. Maybe your idea has potential in multiple markets, but start with one target with the greatest need. Your business opportunity should grasp the attention of a specific and reachable market. 'Female teenagers who read religious books and media' is much more definitive group than 'all teenagers who have spiritual interests'.

3. Apply Protection Armor: A new business opportunity is a delicate thing. In order to protect and nurture your business you will need to apply some form of protection armor. This armor will provide assurance that no companies invade and steal your market share. Protection armor can take the form of exclusive contacts, licensing, patents, or the best location on the block.

4. See What They Want: Ultimately, business comes down to the simple task of providing a product or service people need. Simple; yet often overlooked. Your business opportunity is rated high if it meets a customer's needs or wants. There may be an open market for a new form of toothpaste, but if consumers do not want another choice of toothpaste, then success will be fleeting.

5. Play The Money Game: Every small business opportunity needs to be evaluated against the cost of building the business. The opportunity can be great, however, if you are not prepared to go out and raise the million required for launch, then this opportunity is not for you. The best business opportunity is one that matches your ability to deal with and raise attainable cash.

6. Bring Your Skills to the Table: A business opportunity can have an incredible upside only if you bring the skills required to succeed. If the business requires you to go way outside your comfort zone, it might be better to find something that more closely mirrors your skills. Ten years of retail experience offers much more chance of success than an opportunity based on telemarketing skills.

7. View the Event Horizon: In the near future, what is the likelihood your business can be replaced by technology, impended by government regulations, or made obsolete by social changes? Perform a quick SWOT analysis to see how your small business opportunity will survive. It is not be realistic to start a music store during the peak of digital piracy.

8. Use the People Factor: Many business opportunities will require a motivated and skilled work force. Make sure you're able to fulfill this equation or it will be the one critical success factor which can make or break you. Remember, good people are hard to find. Ponder how you will gain and retain them.

Did your business opportunity meet the 8 simple rules? If not, do not despair. It may just mean you need to tweak the idea into a marketable, viable form. Once your opportunity is set in a firm foundation, you can now apply your passion and fire to lift your business to the height you desire.

from : sbinformation

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