Monthly Archives: May 2016


The Importance of Having a Small Business Opportunity Magazine

Everyone wants to get rich quick, and a lot of people feel that having a small business is a great way to do this. You can work for yourself, work hours that are comfortable for you, and you can be the boss for once. You can truly find the things in life that matter to you, and you can work around these things, or even incorporate these things into your life.

There are so many things that you can do for yourself if you are a small business owner, but it is important to know that as a business owner you are going to have to compete with people all over the world, and with businesses that are much bigger than you are.

There are many things to know when you own a your own business, and sometimes it is hard to get them all straight, or even to pick up on them all. That is why it is very important that you find a small business opportunity magazine that you can trust, and make sure that you are always reading it.

There are many things that a small business opportunity magazine can tell you that you might not be able to figure out on your own. It can let you in on secrets that you might otherwise be unaware of, and it can be a great way to make sure that you are serious about the business are you are following the news. There are so many things that these magazines can tell you.

First of all, a small business opportunity magazine is a great place to look for the actual small business opportunities that you might want to invest in. Usually there will be a lot of information about different small businesses, and how you can make them successful, and these things are going to be prevalent in the area which you are interested in. You can get as much information as you need from these magazines and use this information to decide if the small business is a good investment for you or not.

You can also get tips for your own small business from a small business magazine. They can give you all kinds of tips, from ways to manage and keep your employees, to how to make a business plan and employee manuals that are actually going to work. A small business opportunity magazine is going to give you much information that you can actually find useful. It can be a great way to network with other business owners as well, which can allow you to get even more tips and information that you need when it comes to your small businesses and what you are going to do with them to run them better.

Michael Laleye Is A Plug In Profit Site Member As Well As An Authority On Developing Small Business Opportunities. Get more Information On How To Build Your Own Small Business. For Small Business Opportunities To Make Money Online, Visit:

RUM Small Business Accounting
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Image by Anoka County Library
RUM Small Business Accounting

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Plan To Get Out Of Your Small Business Before You Get In

Everyone knows someone who has decided to go into small business but did you know that 70% of all small businesses fail within the first 12 months of operation?

That failure rate, in some countries, can reach as much as 85-90%. Setting up a small business is actually one of the most difficult things you can ever do. And to make matters worse, the vast majority do it for the wrong reason.

I have started a number of small businesses over the last 10 years and every single one of them has been started from scratch and went on to grow into a thriving business. Just recently I have decided to sell one of the businesses off because it had done what I expected it to do.

This might seem a strange thing to do but actually it is the first issue you need to think about when starting a small business.

Believe it or not, most of the people who actually set up a small business do so for the wrong reasons. I’ve also done the same. What do I mean by the wrong reason? Most people start a small business because they believe they can do a better job then their current boss. Perhaps there is an element of truth in this. However, most small business owners really want improved employment conditions with an increased income. To be fair, there isn’t anyone who can really blame you for desiring that. However, if this sounds like you then I would advise you NOT to get involved with your own small business.

One of the major things you must give some thought to up-front before getting started with your small business is the image you want it to present to others. How do you want your customers and clients to see your business? What is your personal vision of success? Where do you want to go with the business?

The second thing is this. How will you know when the business is “done” i.e. when it is finished? How will you know when you have finished creating what you wanted to create? And even more importantly, how will you then get out of the business?

The thing is, you see, most men and women when they go into business have no idea of an exit strategy. This is really bad. Before you ever start a business, the first thing you must work out is how you are going to get out of the business.

For example, I started a small car cleaning business a couple of years ago. My wife was the main driving force behind the idea because she wanted to see if she could build a business from nothing. We planned to part with the business once it was all set up and making money. But the question remained of how were we going to sell it?

The truth of the situation is that we could indeed have taken many different approaches with eventually selling the business. We could have franchised it, sold it off to another small business entrepreneur or even let it float on the stock market.

We originally decided our aim was to sell it off to another small business owner. But, even with that in mind, we still set it up so that it could still grow and provide more opportunities for the new owner. In essence, we had removed the risky bits for them on how to operate the business by clearly spelling out and documenting everything they needed to know in order to run the small business successfully.

Such an approach worked for us. It could for you too.

Go here for information on Government Grants For Starting A Small Business page. To search through all the pages of the website, visit Guide To Starting A Small Business

Bringing home the Bacon
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Image by Nick Kenrick.
texture by .skeletalmess

I’ve walked through Victoria’s Chinatown many times but never knew there were two alleys. Fan Tan Alley is the one I’m familiar with. Dragon Alley is the other, joining Fisgard to Herald. It’s a series of little courtyards that holds both funky private homes and small businesses.

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Where Do I Find the Best Small Business Website Development Firm?

Running and operating a small business can take a great deal of energy and effort. As a small business owner, you are responsible for every aspect of the business. For many small business owners, hiring a small business website development firm is the answer to freeing their time up to focus on other aspects of their business.

Zane had worked as an insurance agent for years and had finally branched out on his own. He tried to create his own website, but found that he just did not have the patience to learn about HTML coding on top of everything else on his mind. After talking to people he knew who had websites he liked, he hired a small business website development firm and was pleased with the results. They knew exactly what he needed and even made some suggestions about things he had not really thought about, like adding a blog to his website. Today, he gets hundreds of visitors daily and a good deal of new business from his website. He spends very little time managing the site and is able to focus his attention on servicing his customers, which is wonderful in his mind.

Sources of Website Development Firms

There are lots of places you can go to find a small business website development firm. The question is not so much where to find one, but rather how to find a good one that will provide you with the service and expertise you need for success.

One place to find an excellent small business website development firm is by looking online at your competitors. Most websites have a small notation at the bottom of the first landing page that provides you with the name of the webmaster or website developer. With that name, you can usually find out the contact information online and begin talking to them. If you see websites that you particularly like, contact the company and find out who they used for their small business website design firm.

Another source is to contact SEO companies. Search engine optimization consultants often work very closely with small website design firms because website design can be a key aspect of a successful SEO plan. In fact, if you start by looking at SEO consultants, you may find a good small business website design firm that is part of a high quality and experienced SEO firm.

Qualities of a Good Website Development Firm

Length of Time in Business – A good small business website development firm will have been in business for quite some time. Part of what you need as a small business owner is a consultant who already has a good understanding of the needs of a small business. You want them to relieve you of needing to manage your website or tweak it on your own.

Cost Effective – As a small business owner, you do not have tons of extra money to throw around. You want a small business website development firm that will provide you with the biggest bang for your buck. This means they are willing to go the extra mile for you to make your life easier.

Support – A good small business website development firm should provide you with assistance after your website is up and running. If you have problems or something it not working as expected, you should be able to get 24/7 support when you need it.

Flexibility – As a small business owner you have to be flexible. Things often happen unexpectedly and you simply adjust. You should expect the same from a small business website development firm. Look for a developer who can offer suggestions if the original ideas simply do not fit or work.

As a small business owner you need to be able to focus your attention on running your business. The advantage of hiring a small business website development company is that they free your time to conduct business.

At F & A Worldwide Solutions, we have been offering website development and marketing services to small business owners for many years. Contact us for a quote so we can provide you with cost efficient solutions to your small business website needs. Click here to request a quote

Small Business Administration Awards Luncheon
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Image by MDGovpics
Small Business Administration Awards Luncheon. by Jay Baker at Baltimore, Maryland

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Tackle Small Business Costs

Many first-time business owners are completely overwhelmed or unprepared by the amount of small business costs associated with operating a business. Small business costs often lead to the failure of many businesses, especially during the first year, or they even prevent them from getting started in the first place. Through a wide array of government and private programs, however, many small business owners have helpful options to help them finance their mounting small business costs.

A business plan is a required component of any successful business. Without a business plan, you are much less likely to obtain business startup loans from banks and investors. With a professional business plan, you have a documented, blueprint for success that you can show people who might potentially provide business startup funding for your business. To instill confidence in others, your business plan must sound convincing, realistic and demonstrate your abilities to start and operate a successful business venture.

A business plan for the sole purpose of receiving a small business startup loan must contain several components. The first few pages include the Executive Summary and the Table of Contents. After this is the company description. This is one of the most important sections of a business plan. Your company description will give potential investors a short history of your small business along with the future you are planning for it. It describes plans you might have to expand your business. For purposes of getting small business startup loans, this is one of the sections that loan providers and investors are most interested in.

In the company description, you will want to avoid mentioning that your business is a startup business. Startup businesses are considered very risky investments by most investors. As an alternative, outline details of what you have contributed to the industry that you are currently in or plan on entering. Without sounding arrogant, mention some details or things that you have changed or something you have done differently than others in your market that has proved to be successful. Also, discuss how your business has grown in recent months or years and don’t be shy about your predicted growth. Your excitement and passion regarding your new business needs to be seen in the writing of your business plan to help increase your chances of getting a business startup loan.

One of the last parts of a well-written business plan, but certainly not the least important, is your marketing plan analysis. This is an explanation of your demographics using facts and figures and a study done about your new, potential customers and clients. This section also explains your advertising plans, especially your target market and how you intend to reach them. This section must show that you have done extensive research, appropriate with your market to ensure that your product or service has a large demand. In order to obtain small business startup loans, you will also need to include a sound financial plan, including pro-forma financial statements for your new business.

Many new and small businesses overlook the enormous amount of small business costs that will be incurred in order to operate. Many entrepreneurs create a professional business plan to help them provide potential investors with their roadmap for success in their new venture. Many banks and investors require a well-written business plan before they will even consider loaning the entrepreneur any business startup funding. With the help of loans and other business startup funding, small business owners can continue striving for success in their small business.

For more information on small business ideas visit our Work At Home Blog

Pedestrians & Vendors On Pottinger Street, A Stepped Street, Central District, Hong Kong Island [c1946] Hedda Morrison [RESTORED]
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Image by ralphrepo
Entitled: Pedestrians & Vendors On Pottinger Street, A Stepped Street, Central District, Hong Kong Island [c1946] H Morrison [RESTORED] Minor spot and scratch removal, contrast and tonal adjustments, with a sepia, followed by a cooler tone in the shadows (LOL, what is generally referred to as "a poor man’s duotone")

Hedda Morrison was a tremendous resource for images from the latter part of the Republican China years, photographing extensively with a 2 1/4 Rolleiflex Twin Lens (my personal roll film favorite) during her 13 year stay in China (from 1933 – 1946). Coincidentally, she then married into the family of and bears the name of another very famous China photographer; she married George Ernest Morrison’s son, Alastair in 1946. Besides photography in China, she was also known for a large body of image work in Malaysia and Australia (where she died in 1991). Her husband, generously donated her life’s work, divided between Harvard University and Australia’s Power House Museum of Science & Design.

This image was found on Harvard University’s VIA (Visual Information Access) Search Engine under Record Identifier olvwork351320. A notation with the image states:

"View looking from Stanley Street up to Wellington Street. Small businesses line the street including restaurants, tailors, photographic shops and other speciality stores."


Small Business Incorporation: Are Your Personal Assets Really Safe?

Many entrepreneurs understand the benefit of small business incorporation, but they don’t realize how easy it is to lose their “corporate status” if they get sued or end up in bankruptcy. This is dangerous because then the court can come after their personal assets (like their house, car, savings, etc)!

Today, I will review a little bit of why incorporating is so important for small business owners, and then tell you five simple steps you can follow to protect your personal assets, even if your business gets sued or goes through bankruptcy.

Small business incorporation makes sense for a couple of reasons. First, because it protects you from personal liability, and second, because it offers you some great tax advantages. For today, we’re going to just focus on the personal liability part.

When you incorporate, your business becomes like another person. This other person has it’s own bank account, it can own things like property, and it can take risks. Even if that “other person” (your business) goes completely bankrupt or gets sued, you are safe (assuming you do everything correctly).

This is important because many new businesses fail, but you as the entrepreneur don’t want to fail. You want to pick yourself back up and start your next business which will be even more successful. Failure is a necessary way to learn, so we want it to be as painless as possible. Small business incorporation is the key to doing just that.

When everything works like it should, then yes, you personally are protected. But there are certain situations where your corporate status doesn’t help you out, and every business owner should be aware of them!

You see, setting up a company gives you so much protection from liability, that unethical people in the past have tried to take advantage of it. They have gone through small business incorporation just to create “shell corporations”, or businesses just for the purpose of liability protection, to help them get away with various crimes.

Of course, the law had to be modified to weed out these people and make sure they were appropriately prosecuted. But in the process, the requirements for honest small business owners became tougher. Some extra steps are now required to make sure your corporate status stays intact.

By the way, whenever a court decides to waive the corporate protection and actually prosecute the owners behind the company personally, they call it “piercing the corporate veil”. (Lawyers always like to come up with fancy names for things.)

Following are the top five ways to protect you personal assets after going through small business incorporation. Make sure you do these correctly, and you can be sure that even if your business experiences a colossal failure, or gets sued out of existence, at least your personal assets are safe and you can start over.

1. Never Engage in Fraud or any Criminal Act

This sounds simple, but many small businesses owners unknowingly break the law. Never sell a product you know is defective or doesn’t work, misrepresent something in your advertising, forge any signatures, or pull a bait and switch (offer a great deal to get people in the door only to tell them it is out of stock so you can sell a substitute.) Run your business honestly and with integrity every day, and it will pay off in the long run.

2. Never Misrepresent Your Corporate Officers or Members

Don’t ever lie about who is involved in your company. When it comes time to ask for investors, or get people to support you, you may be tempted to exaggerate about who is actually working with you. If they haven’t actually signed your operating agreement (an important step in small business incorporation), then they aren’t your partner.

3. Make Sure Your Follow All Corporate Formalities

If you are going to claim you are a company, then you’d better act like a company. Small business incorporation requires plenty of little steps that can be easy to forget. That means you have to file all important documents and keep records of them (your operating agreement, articles of incorporation, and DBA for example). You also have to keep detailed financial records. You could pay a lawyer to put all these together for you, but this will cost you thousands of dollars. I recommend taking the time to learn these relatively simple steps yourself. There are some great resources out there.

4. Keep Your Business and Personal Assets Separate

The business has to have it’s own bank account. The money in that bank account is not your money. It belongs to the business. In fact, if you decide one day come along and take some money out to buy yourself a Hawaiian vacation, that is called embezzlement (a crime)! Often, the first time through small business incorporation, new business owners (especially if they are the sole owner) don’t understand this concept. The money in the company is not theirs. The company is like a separate person, and all assets must be treated as such.

5. Never Treat the Business’ Assets as if They Were Your Own

Don’t deposit your personal checks into the corporate account. Don’t use company money to finance your personal life and hobbies. Don’t lend the company car to your buddy for a weekend excursion. Don’t set up a cot in the back of the office and start living there! Again, the business and yourself are two separate people. Treat them accordingly.

With these five basic steps, you can be sure your small business incorporation holds up in court in the event your business goes under.

Many successful business people, from Donald Trump to John D. Rockefeller, went through periods of ups and downs in their life. Not every company they bet on was a success. But they managed to survive and lived to fight another day because they where smart enough to go through small business incorporation correctly. They followed the above five steps to make sure they wouldn’t lose their corporate status in the event of a lawsuit. They made sure that their personal assets were safe, even if the company went bankrupt.

Brian Armstrong makes it easy to learn the secrets of todays top business owners. To discover the “7 Essential Steps to Starting a Business” in his Free Online Course , visit this site now: Small Business Incorporation

2014 – Costa Rica – Doka Estate – Not ripe for Picking – yet
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Image by Ted’s photos – For Me & You
Doka Estate Coffee has a small section growing other food bearing plants like these banana.

20 Mar 2014
Fresh Plaza – Global Fresh Produce and Banana News:

Jorge Arturo Sauma Aguilar, manager of CORBANA
Costa Rican bananas competing in a saturated world market:

Although more famous for its pineapples, Costa Rica devotes around 44,000 hectares to the cultivation of bananas; less than 1% of the country’s territory. 48% of the business is in the hands of small producers and the rest in those of companies such as Chiquita, Dole and Del Monte.

Costa Rica’s most common bananas are the Gran Enano Valery and the famous Cavendish, "which is considered the world’s best banana," says Jorge Arturo Sauma Aguilar, manager of CORBANA.

The banana market is becoming increasingly saturated:
"Banana production has expanded without control in recent years and this is leading to an increasingly more saturated market. Considering the market’s global status, all producing countries should hold off a little if they wish to continue making a profit. First it was Ecuador, now also the Philippines, Guatemala or Cameroon, whose produce stands at considerably lower prices," he explains.

"The wages of a Costa Rican labourer are not the same as those of an African or Filipino and we cannot compete with that. That is why we need to do as much as possible to let consumers know about the value added by ethical social and environmental policies. We are currently working with the EU for the designation of a Protected Geographical Indication to Costa Rica’s bananas."

The European Union and the United States are the two largest markets for Costa Rica’s bananas, and Sauma Aguilar believes that, despite the oversupply, there is still room for growth.

"I think we can still grow in the North American market, and our supply volumes to some EU countries could also increase. We are also really interested in entering markets in the Middle East, like Dubai or Saudi Arabia, where healthy eating habits are being strongly promoted by their governments."

Race 4 Fusarium: the greatest threat to Costa Rican bananas
Competition with other countries is not the only obstacle for Costa Rica’s banana sector. "The greatest threat to our produce is the Race 4 Fusarium virus, which has yet to affect us, but if it did, it would cause incalculable losses.

At the latest congress organised by Corbana we recognised it as a real threat, and we determined that a joint effort from all Latin American nations, as well as the exporting countries, is required to prevent such threats."

Fairtrade and organic in Costa Rica:
Even though not many Costa Rican companies are Fairtrade certified, Sauma Aguilar believes that Corbana is fundamentally a Fairtrade producer, as "great efforts are carried out for the protection of the environment, with assistance from the Environmental Banana Commission (CAB), and for improvements to be made to the labourers’ social structure. There is still a lot of work to do, but most of our producers are certified by Global Gap, ISO 14001 or Rainforest Alliance."
Regarding the organic market, "it is harder to grow organic bananas in Costa Rica than in other places like Piura, in Peru. Temperatures are very high here and we need some phytosanitary control mechanisms."

All three forms of trade likely to prevail:
In what concerns banana trade, Sauma Aguilar believes that, despite the latest trend among large supermarket chains, like Walmart and Tesco, of working directly with producers, the other two forms of trade are also likely to prevail.

"I think that there will still be producers working through large distributors, as well as others exporting the fruit themselves. All trading forms are acceptable as long as growers are able to make a profit."

The National Banana Corporation (CORBANA) is a non-state, public entity, founded with the goal of promoting research in Costa Rica’s banana industry and improving the situation for producers. "The Costa Rican government hands over all research and technological transfer issues to CORBANA. We also offer assessment to the government in matters of trade and treaty development, such as the latest one signed with the European Union," concludes Sauma Aguilar.


by Amy Margulies, lead registered dietitian for Retrofit
You’ve probably heard people talking, or read articles online, about why eating bananas is bad for you nutritionally and can impede weight loss. While some people insist that bananas are just fine, others are convinced this is a fruit you should stay away from if you’re trying to lose weight – and many do, just in case the rumors are true. But what’s the real deal with bananas? It’s time to peel open this myth.
What the critics are saying
The controversy started with Dr. Susanna Holt, an Australian researcher who developed the Satiety Index, a way to evaluate how full different foods make you feel. “We found that bananas are much less satisfying than oranges or apples,” Holt stated at the conclusion of the satiety study.
Bananas are generally higher in calories from carbs than most fruits. So for those who are counting calories, this may seem like a poor choice for a snack. People have also observed that bananas cause a “binding” effect, or put more simply, they cause constipation. That’s something you don’t want when you look to the scale for signs of progress.
Another side to the story
While the above claims may be true, there are more positive attributes to eating bananas. It turns out that they also contain resistant starch, a dietary fiber that the body can’t actually absorb. As a result, you feel full without absorbing additional weight in the long term. What’s more, according to Dr. Janine Higgins at the Colorado Clinical and Transitional Sciences Institute, research indicates that resistant starch can increase the rate of fat burning your body does after a meal.
Combined with potassium and other vitamins and minerals that occur naturally in bananas, there are some serious benefits that the banana-mashers tend to ignore. It’s no surprise we see stories from people like Loni Jane, who lost weight and improved her health significantly when she made bananas a major part of her diet.
What’s your take?
Some people will always believe the hype, despite the facts. But the truth is that the science is in favor of bananas being part of a healthy, weight-loss friendly diet. To get the most benefit, eat bananas that are still a little bit green – that’s when there’s more resistant starch. As a banana ripens, the starch breaks down and becomes less resistant to absorption.
We’re not recommending that you eat 10 bananas a day like Loni Jane, but eating them in moderation as part of a weight loss diet and active lifestyle will bring you nothing but positive benefits – so peel away!
Also Read:

Read more at…

Disclaimer: This video and accompanying content (blog, Youtube descriptions, etc. herein referred to as “Content”) is for informational purposes only and should not be construed as legal advice of any kind. Jo-Ná Williams and J.A.Williams Law, P.C. assumes no liability for use or interpretation of any information contain in this Episode or this document. This Episode should not be an alternative to obtaining legal advice from a licensed attorney in your state based on the specific facts of your legal matter. Jo-Ná Williams is licensed to practice law in the State of New York only.

C’mon over to where the main discussion happens after the episode!

Legal help can be confusing if you run a small business, but in this video you’ll learn about three common legal mistakes small business owners make — and how to avoid them.

1. Business Structure. Should your business be an LLC or S Corp? Get legal help from a lawyer about what option is best for your business, since they can help you figure out what will be best for your taxes as well. Many people think that a lawyer is going to cost a lot of money, but most people would rather pay for solving a problem than preventing one.

2. Protect Yourself And Your Offerings. It’s very important your terms are outlined in something written. Make sure that your contracts have protection for your IP, disclosure of your programs and content, clear terms as to refunds and how to terminate the contract.
It’s also important to make sure your contracts have disclaimers in them. It’s important to have what you are in the contract but even more importantly what you’re NOT. Legal help from an attorney will show you exactly what your contracts and terms should include.

3. Your Business Relationships. An independent contractor’s agreement serves as additional proof that you have this arrangement with the people working for you. In this type of agreement, you should outline their duties, how they are being paid and when.

A non-disclosure clause protects your confidential information, and explains the fact that they’re an independent contractor and not an employee.

And a final bonus tip: If you are in the U.S. and you pay an independent contractor over 0, you’re going to have to issue them a 1099. Make sure you have their W-9 form when they come on-board so you don’t have to try and get it from them later!

If you enjoyed this video, subscribe to our channel and sign up for your free weekly business and life advice at

And if you’re interested in more videos on next level business growth like this one, check out our YouTube playlist on that exact topic here:

Thanks for watching!

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Starting Your Own Internet Small Business

So, you’ve decided that the Internet has a lot to offer you by the means of starting your own small business. So what is it that you have to do first?

Well, what type of small business is it that you are going to start? After you have figured this out, whether it is an information site or selling products online, you might need to go to the many different Internet advertising sites that will help you generate traffic to the your new Internet small business.

The next step, may be to decide what products you are going to have on your small business web site. This way you have an idea as far as the inventory and other information you will need. Building a web site for your small business.

There are many web sites available to help you as far as promoting your small business such as adverting sites and marketing sites as well.

When starting a small business on the Internet you’ll want some means of getting visitors to your site, this being said the advertising company you go with should be a reliable one. Once again, you can do the research and find many different advertising agencies as well as web sites that can help you with this.

Usually small businesses that start out on the Internet without the help or support of any kind of advertising, marketing or helpful tools will not last very long and you will soon find your small business on the Internet suffering, if not being taken off of the Internet completely.

Some Internet small businesses have tried this and it does not work. However, if you know what type of Internet small business you want, then you start researching on advertising and marketing and getting visitors to your site, such as generating traffic in other words; your small business on the Internet will have a better chance of surviving. And in most cases, prospering to the point that your small business on the Internet has grown tremendously.

It is not impossible to start a small business on the Internet while some people may tell you that it is. You simply have to know the right techniques and have the right tools concerning the Internet at your disposal. This makes it so much more easily to start a small business on the Internet and at the same time making it a productive one, that will last.

Advertising plays an important role in generating traffic, or visitors to your site, while the marketing portion, assists you in setting up the means of the visitors who want to purchase things off of your small business on the internet to do so.

Make things as easy as possible for the visitors that come to your small business as well, in this case they may very well be returning customers.

Many Internet small businesses will start out with very few products on their site, however as time goes by, and if done in the proper way of management the site will grow along with your inventory as well as the profits. The visitors to your site will increase too. Remember, do research and don’t just throw an idea on the Internet building a web site to sell things. Think it out first, what you want to accomplish with your small business on the Internet, and then do the marketing and advertising parts next, therefore generating traffic to your new small business web site.

Mario Churchill is a freelance author and has written over 200 articles on various subjects. For more information on small business checkout his recommended websites.

Small Businesses 1
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Image by Angela Radulescu
A look at how small businesses around the Morningside Heights area are dealing with the current economic hardship.

Typical shops on Amsterdam Ave. – This video gives you the best modern tips for starting your own small business or start-up.

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Mindfulness Meditation

Ten Top Tips for Small Business

1. Understand ‘why’ you are starting a Small Business
2. What is your Point of Difference?
3. How are you going to Structure your Small Business
4. Law, Rules and Regulations
5. You are the Boss – Act like it
6. Do Not Accumulate Debt
7. Take Time Off – It is Really Important
8. Surround Yourself with Great People
9. Get Business Advice and Ongoing Training
10. Get More Organized

Trademark Registration

While your registered business name provides you with minimal protection, trademark registration permits you to take legal action against infringing conduct or imitators attempting to profit from your company’s goodwill. Registering both your business name and your business mark ensures that the time and money you spent designing your intellectual property are not wasted.

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Small Business Startup Loan

Small business startup loans are essential for many beginner entrepreneurs. For them, a small business startup loan plays a vital role in providing the business owner a help in building their newly-established business until theirs can already stand alone. This load can be utilized for additional products. It can also be used for business promotion and for employees salaries. Whatever way, a loan is necessary for newly-opened business to poise their venture towards success.

Borrowing money from family and close friends are one of the most common ways to get a loan. This business practice overwhelmed the majority of small business owners to be used as an additional capital and other necessity for newly-established business. It is unfortunate however, this type of small business startup loan causes undue stress, headaches in both parties especially when the process of payment is not that organize. In fact, it can extend to ruining of family relationship. Borrowing from family and friends can also lead to awkward scenario because sometimes, the ones who loan the amount think that they are part of the business and they have the right to manage your business.

Though banks offer small business owners alternatives for small business startup loans, this medium can be stressful and intimidating. The reason is, banks usually impose strict requirements for compliance for small and medium business startup loan. Another is, banks, as always, see to it that the one who borrows, must have or is proven to had been in a successful venture in the past to determine if the borrower has the capacity to settle their obligations when they have already gone through the bank financial assistance. For that reason, numbers of business entrepreneurs chose other option instead of this. Though, banks offer great source for a small business venture, they must also provide a much better and less-stress alternatives for small business beginners.

Using credit card is another option that small business startup owner are turning into to provide them with business capital. Of course, this allows them to utilize their cash advances available for them. To add, credit lines can also be used to buy the products for them to get started. It is common for small business startup owners to use this medium to get capital. However, before getting into this way for small startup way, it is important to note the rate of interests that abound on using these credit cards; neglecting to consider the rate of interest can bring your business in downward slope.

If you are a minority that needs to begin a new business, you can acquire minority loans to help you get the necessary capital you need to start your new business venture. Minority loans have various advantages. If you begin your business based on minority loans, you will also need to find other loan avenues for an added sense of financial foundation.

Small business startup plays a vital role for the total economy. In fact, it provides employments for the majority of people. This may be the reason why more and more individuals are getting into this endeavor- this offers great potentials for economic boom, as a whole. With tis fact, it must be noted that when you engage in this business, business beginners shall consider to choose which small business startup loan that suits best for your own because this paves the way to your business success.

Stephen C Campbell (MBA, MSc) is an Entrepreneur, International Business Consultant and has published more articles about business on niche marketing and market segmentation at

RUM Small Business Accounting
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Image by Anoka County Library
RUM Small Business Accounting


Marketing Your Small Business

If the idea of marketing your small business falls somewhere between flossing your teeth and cleaning the toilet, you’re not alone. As entrepreneurial as any small business owner has to be, there’s something about sales and marketing that can be intimidating for even the most ambitious business person.

And while marketing is obviously a “big deal”, many times the marketing of a small business is put on the back burner somewhere after buying a new coffee pot for your office and coming up with some cool business cards.

Yeah, those business cards count as marketing – sort of. But it’s no exaggeration to say that how you go about marketing your business will make or break it, which means that marketing your small business calls for more than just a passing thought.

Research, Research, Research

The best place to start with small business marketing is perhaps the easiest. Research – and lots of it!

You can start by looking into your competition and finding out what they’re doing to get the word out about their business. Pay special attention to those businesses that seem to be industry leaders in your market space.

What are they doing that’s contributing to their success? How are they increasing brand recognition for their business? What are the things that are most appealing about their website, sales collateral, and other advertising?

Take notes as you go. Call the company and ask for literature. Cruise their websites for ideas.

The best part? This part of your marketing plan can be from your desk with a nice cup of coffee from that new coffee maker!

A Little Reality?

It’s easy to get carried away with big ideas for small business marketing. Now more than ever, there are a lot of cool ways to get the word out about your business. From Flash-enabled websites to high-end, professionally designed logos, you could easily spend thousands and thousands of dollars marketing your small business.

But you do want to give it some thought – a lot of it, in fact!

Small business marketing is kind of like shopping for a house. It’s a good idea to identify your budget first so you don’t fall in love with something you can’t afford!

Sit down in the early days of your business and decide how much you can afford to spend marketing your small business. At this stage in the game, it will be difficult to do this too far in advance, so just figure out a budget for the first 3-6 months. Hopefully the small business marketing strategies you choose will be so successful you’ll have even more to spend later.

But for now, let’s just get your business off the ground!

Divide and Conquer

Now that you have a “big picture” number in mind, it’s time to divide it up. You might start with the obvious, like business cards if your business is the kind that needs them, or internet advertising if that is more suited to your type of business.

From there, you can prioritize the things you “have to have” versus the things you’d “like to have”, and make compromises accordingly.

Stay Flexible

You know that old saying, “The only sure thing in life is that things will continue to change”? Well, it was never truer than for a small business. In the beginning you’ll likely have all kinds of ideas about how things will turn out and about what will work best. But it’s next to impossible to foresee at the outset the future of any small business.

So remember, slow and steady wins the race. Take things a day at a time, review the results from your existing small business marketing measures, and be willing to make adjustments as you go.

With a little luck – and a good small business marketing plan – you’ll have even more money to spend as your business grows!

John Edmond worked for many years in insurance and finance and now writes on Small Business Marketing . Join our Newsletter” and get 5 ebooks completely FREE of Charge.

big eggs – small business
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The Basics Of Small Business Accounting

Small business accounting is perhaps one of the most difficult challenges that business owners perceive. This is because accounting for a small business is not their forte. For most small business owners, they go into a start up because they are good at providing a particular service. Be this a catering business, contracting business or being a wedding planner.

Introduction to Small Business Accounting

To be successful at small business accounting one does not need to be a wizard at math. Being organized in keeping track of your cash flow is the key to good accounting for a small business.

Good accounting for a small business also means that you are handling the financing of your business well. Since capital for start up is either taken from loans or from leasing equipment and other assets, you can be sure to formulate a good plan to cover your expenses.

Small business accounting is also important because of the tax implications. As the business owner it is your duty to file taxes properly to avoid getting any penalties.

At the end of the day, small business accounting simply means keeping the records clean for your business. You take in all of what you have earned and then subtract your expenses, what you have left is your income.

For a start up business that relies on financing, accounting takes a crucial role because it tells you if you are earning or not. Your income is then projected so you can see if you are earning enough to cover any debts or seed money infused into the business. Seeing how your financial standing looks like will guide you in making wiser decisions in your business.

Image illustrating small business accounting

Below is a simple overview of some small business accounting terms:

Revenues or earnings:

1. Payment for services rendered – labor, consultation fees and the like

2. Payment for goods sold – products, materials, etc.


1. Leasing expenses – rental cost you pay for equipment, etc.

2. Cost of goods sold – what you paid for your inventory

3. Office supplies – necessary items for your office

4. Salaries – your payment to your staff

5. Representation costs – dining or entertainment expenses, these are usually for taking out prospective clients although only 50% is usually deductible

6. Depreciation costs – for assets you own that decrease in value over time, this can be an allowable expense

Small business accounting is then just taking the total of the two and then subtracting the expenses from the earnings. Your income of profit is the difference. These profits are then subjected to taxes to make your total profit for the year.

Small business accounting is simple and straightforward because of the scale of the numbers involved. It just seems more difficult because it is often up to owner to do this by himself. But through proper and disciplined book keeping, you can make Accounting for a small business a habit and it will get easier over time.

The important thing is to get the system in place right off the bat so you can track down all expenses and income properly.

How Financing Options Impact Small Business Accounting

Small business accounting is affected by the method of how have taken in financing. First, this impacts the period of the return of investment you put in. next it also impacts what you can claim as deductibles or expenses.

The amount of time a business is able to get returns on the initial investment is taken by dividing the investment amount by the monthly income. This is especially important when you have taken a loan because you do need to pay off debts in a certain amount of time.

Good Business and Marketing Practices

Use free marketing tools. The internet and social networking sites are great marketing tools. There are a lot of free sites and online coupon offers you can participate in. this makes for good and free marketing, at very low costs.
Save your receipts. Official receipts are a record of what you have bought and what you have sold. A well receipted accounting record can go a long way in helping you file taxes and not end up paying too much in terms of taxes.
Treat the business an entity in itself. In short, you are not the business and the business is not you. Don’t mix personal expenses with business ones, this will only confuse the records and you might end up losing more money.
Treat small business accounting as an integral part of operations and you’ll see your business do well.

Welcome to Financing of small business, We are setting your records straight by giving you the knowledge about small business leasing. There are lots of option of small business leasing.

Small Business Administration Awards Luncheon
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Small Business Administration Awards Luncheon. by Jay Baker at Baltimore, Maryland