Are you thinking about starting a  new  business or a home based business?  Take a look at these small business success factors before you  start . Take them to heart and make them part of your  business plan.

1.  A formal written business plan
2. Effective control over costs
3. Strategic pricing of goods sold
4. Promotion of a strategic public image
5. Implementation of technological aids
6. Professional advice utilized
7. Reduction of small business taxes through  extensive tax planning
8. Adequate insurance
9. Superior product quality
10. Driving force in the sales department
11. Ongoing  employee training and retention of  top personnel
12. Awareness of competition
13. Prediction and adaptability  to market trends
14. Adequate  start up funding 
15. Accurate and timely financial  reports 
16. Strategic location
17.  Open & honest communication with family members
18.  Choice of the correct business partner 
19. Establishment of a working relationship with a  local banking officer 
20. Operation under the proper strategic legal form of business
21. Learning how to learn, school is never out for the pro

What is the Number One Reason Why Businesses Fail?

 According to the Department of Commerce 8 out of 10 new businesses will shut their doors in the first 5 years of operation.  Did you get what you just read? – 8 out of 10 would be ENTREPRENEURS become ENTRE-MANURE in the first 5 years.

   Holly COW! , what an alarming statistic – that so many people in pursuing the American dream will  fail.  Why is that?

 The  most common answers of why businesses fail include the following:

• Lack of a business plan
• Not enough working capital
• Bad Location
• Poor Management
• Taxes-and the failure to take advantage of small business tax deductions.

 Question:  Who started the business without proper planning?

Who started the business without enough working capital?

Who chose the terrible, stupid, bad location?

By the way, who was the poor management?

 Answer:  You, you, you, the  new small business  owner, the would be super-star entrepreneur did all of that and made all those rotten  choices .  It’s you, period.  What in the world were you thinking?

 Now don’t be too hard on yourself, most people are no better off than most of you when it comes to operating your own small company .  This is hard stuff to do.

But here is the TRUE Number One reason why most businesses fail.

 Most small businesses are not FEASIBLE from the get go. 

In other words the business could never generate enough sales, to pay for the cost of sales, to pay all the operating expenses, to pay the notes and have enough green cold hard cash left over in order to pay the owner a reasonable salary. 

That’s it in a nutshell; most small  companies just can’t make it  because they are not feasible to become a viable profitable operation from  very beginning .

What is Peer to Peer Lending? 

Peer to peer lending is when one individual or business makes a loan to another business or individual.   A variety of websites have cropped up to serve as matchmaking vehicles, to bring together the individual lender and individual borrower.

It’s part of the “social entrepreneurship” trend going on right now, where entrepreneurs combine making money with social goals.

The sites that facilitate peer to peer lending include Prosper.com,  which focuses on loans to individuals and entrepreneurs here in the U.S., and Kiva.com, which focuses on loans to entrepreneurs in third world countries.

From the Borower’s Perspective

From a borrower’s perspective, peer to peer lending can be a godsend.  If you’re an entrepreneur in Africa who needs $500 to buy some goats to start a goat milk farm, a peer to peer lending outfit like Kiva may be your only choice.  And that $500 could mean the difference between your family starving or being self sufficient.

From the perspective of someone here in the U.S., the needs and impact are going to be different.  The Dallas Morning News writes about a small sporting goods business that got a $25,000 loan through Prosper.com.  Apparently Prosper.com is seeing more interest from small business owners now that credit is getting tighter.

However, I don’t see peer to peer lending taking the place of credit cards, receivables factoring or traditional business loans anytime soon.

While a one-time loan through something like Prosper.com may be good, as a long-term source of funding your business operations such as factoring can become, I just don’t see it.  Because it’s still a loan, whereas factoring is your money and you’re just getting the use of it much sooner.

From the Lender’s Perspective 

From the perspective of the individuals who lend money to others peer-to-peer, here is where another challenge comes in.  If you want to lend a small amount such as $300 to an entrepreneur in a developing country, most people will think of that as kind of charitable contribution.  You probably won’t even worry too much about getting repaid.  Your intention is to help out and the amount is small enough  that the risk is minimal.

Contrast that with the “lenders” at something like Prosper.com, who from the Dallas Morning News story cited above are in it for investment purposes.  Now, all looks rosy as long as borrowers are repaying their loans.  But what if they stop paying?

The way Prosper works, a bank actually makes the loan and the “lender” buys a participating lender interest.  The website suggests creating a portfolio of multiple loans in which you have a small ownership interest in each, to spread out your risk.  But banking is a funny business, and high default rates can hit even the best of banks.  And let’s not even talk about the fraudsters who fraudulently apply for and receive loans — even the best of banks can be the victim of fraud, too.  Things can get ugly quick if you start experiencing defaults.

Loan participations are for banks that understand the risks, not individuals who may not.  From my banking days when I was involved in many loan participation/loan sale transactions, I know that even banks can end up suing over a participation in a portfolio that goes bad, on the basis of insufficient underwriting, fraud, etc.  I wonder how many of those individual “lenders” really are prepared for the risks, or if they will start filing lawsuits should they start losing money?

Time will tell.

People which are just starting to require an answering service will be happy to know that a business answering service could save important time throughout the day. Not everyone will want to have an outside group answer phone calls for them, however for those that are having difficulties keeping up the quantity of telephone calls they receive, or those that need someone live to answer calls at every hour, these companies are excellent. Between the invention of the answering machine and cellular phones that can connect wirelessly to internet service providers, there was a need to have phones continually manned. It was with this in mind that the first call centers were created. But just because we have cell phones, voice mail, e-mail, and a million other types of communication, it doesn’t mean that having someone around that can write down messages and relay them to their designated recipients is a lost art form. Twenty-four hour assistance providers are the individuals that are in the most need of an answering service. Having a provider that will be awake and alert along with ready to field any call day or night is a necessity to some professionals. Doctor’s need the services to avoid having to get calls directly from patients at all hours. And when someone’s pipes burst at three a. M., having a service can allow the professional plumbing service the ability to get the messages that need to be responded too without having to list a home phone number.

All this can result in a lot of time saved. Picture, if you will, that your company has all of the sudden had a large growth spurt. For any business person, this is a good thing to picture. Having people that can manage the mass of inbound calls that may be swamping you can allow you and your personnel to only deal with the most important of the calls. As a business owner, you may think that every single telephone call is just as significant as the others. But, ultimately, there are calls that are naturally more important than others. An individual calling to ask for your time of operation may not be as pressing as the person calling to place a big order. A call service can help to separate out the people that need a little info and the people that need to deal directly with the staff. If this seems like an unnecessary step, then it is possible that you do not yet need the use of an answering service. Whenever the amount of calls grows out of control, it will not seem unnecessary at all.

When hiring a telephone service, make sure to do thorough research. Is the company dependable? Have they been in business for a while or are they are start-up? Will they still be around in a few years? Asking other people in your industry might not be a bad place to start this research, if you can. It’s typically not a great idea to ask a company that you are in direct competition with, as they may try to steer you towards a call center that is notorious for its incapability to forward calls. Also know where your customers are actually going to be phoning. Some places have branches all around the world, so calls can get forwarded to many different locations. It may not be significant to you or your customers if they are speaking with someone who is in India, but you need to know if that is the case or not. Research whatever company you are considering over the internet as well. If you look long enough, you’ll without any doubt find at least one dissatisfied customer online. Hopefully they will be buried in a sea of positive feedback, but it’s always beneficial to see what the complaints people have are. Maybe the person that was annoyed was upset because they only had two or three people at the call center between midnight and four in the morning. If you have an all night business, then this may not really work well for you at all.

When you do find a great service, you can expect to save a lot of time on the phone. Every workplace is filled with people who spend hours a day on the telephone. There are numerous aspects to any business that need be done over the phone, but not all of them need to be done by the person you hired to work directly for you. A business answering service can save valuable time, but once they are appointed, they are a part of your business. Don’t think of them as a commodity, but rather as an extension of the services you provide your customers.

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What’s the first thing that comes to your mind when you talk about driving traffic? Google? Pay for each Click? Maybe Banner Ads? Enormous amounts of means for brining in specific visitors to your site exist, and the majority of them really do work. There is a negative side to some of these methods however, such as Pay-Per-Click or banner Ads, they require money. You should have money to lose if you want to get started with paid advertising and be ready to take the risk. But for those of you that do not find yourselves able to front advertising investment dollars, you will be better off with advertising gratis. One method is to submit your site to any number of social bookmarking websites. You may think these sites are only meant to bookmark pages. Sure, but they also find use as a means to increase the number of specific visitors to your own website in just a couple of days. The true advantage to social bookmarking sites centers on their not simply brining you good visitors, but also getting you traffic out of the major search engines. In this piece, we examine the many advantages that social bookmarking offers, and we further attempt to comprehend the fundamentals underlying this one of a king marketing means.

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When looking to climb the ranks of search engines you need to have plenty of incoming links. If you have lots of relevant incoming links to your site, then it will obviously boost your rankings. Therefore, the greater the number of backlinks that you develop, the greater a ranking you will have. When you start publishing your bookmarks all over the Internet and when they spread, your website’s link along with the content goes with it. Persons that look at your bookmark possess the ability to travel directly to your website, if they enjoy your content sufficiently. In such a way you gain a one of a kind chance to increase the quantity of links literally overnight to boost your rankings with the search engines. The backlinks that you get from these social bookmarking sites are high quality because these are authority sites and have a high page rank.

When you add to these social bookmarking sites you will increase your exposure and as long as what you do is of a good quality you can expect plenty of targeted traffic. It also helps you gain quality backlinks, a very good side effect that allows search engines to find your site. The site that is backlinking with you needs to be reputable, on topic, and significant in order for the search engines to truly be impressed. Signifying that the major search engines assign them a high priority, social bookmarking sites are regarded as authoritative sites. This means your search engine rankings increase, and this means higher targeted traffic to your site.

In short, social bookmarking can be a great tool for your online marketing needs. Backlinks and traffic are the number one priority of Internet marketers; it can be difficult to get the backlinks and traffic you need. Using social bookmarking lets you gain all the perks of doing so, without costing you any money.

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Picture what it’ll be meeting customers without having business cards. Most likely you have to write your number down and various business details on a piece of paper and give it to your prospect. You will not want your clients to think that you are unprofessional or unprepared. First impressions can mean either earning a profit or getting nothing. Business cards, laminated business cards and templates are free and available to you online now. You have the option to design your own business card if you would like to. In developing a useful design for free business cards, consider these tips.  

Custom business cards are online. This is the most prudent choice for individuals wanting to look like an expert without being overly formal. An example would be a door to door salesmen who attempts to gain their prospective customers’ trust and tap into their needs, simultaneously. You can print  your own custom business cards through online sources. Legal business cards are generally of high quality. It is imperative that a lawyer’s card have all of the information a potential client will need. Details such as the lawyer’s name, the firms name, address, and phone number. The business card of a makeup artist is often humorous and appealing. You can use other types of material also. Cards should embody a person’s beauty and liveliness.  

There are various standard sizes for every business card template. They are small enough to fit in your wallet so you can keep them with you easily and they are hidden away. Considerable thought should be given to the type of print used on a business card. Also, various styles are available on line at no cost. You must be cautious about the patterns  you choose because the effect of your card might be ruined. These business cards are laminated or made with glossy paper. You need to think about the purposes and preferences you have. See to it that the print does not result in any clotting of letters, irrespective of the material of the card. You should be able to read the font also.  

There are a lot of things you can notice from how a person’s business card looks by itself. Including the color and materials, the printing paper and card information, people can figure out if the business is worth trying. You can choose a design of your liking online, to make your best business cards. It is time to get started making a personal business card and locating a useful template for that purpose.

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How Do I Sell My Timeshare? – Things You Need To Know

So you want to sell your timeshare – you imagined that it would be easy. Occasionally though some problems may arise that you did not even think of. Let me enlighten you to the main points you should prepare yourself for, I totally overlooked when trying to sell my timeshare weeks the first time.

The Selling Price Is Less Than Your Timeshare Loan:

In most cases you are unable to get the same price for your timeshare that you paid for it. Which means if you want to sell your timeshare week, you will need to pay off the loan or be prepared to meet the gap between the selling price and the outstanding loan. The fact is, no potential buyer is going to want to pay off those loans for you!

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How Do I Sell My Timeshare

So You Cannot Afford To Sell At A ‘Reasonable’ Price:

First of all, you may still owe a large sum on your timeshare loan. Also a lot of the timeshares in the same area are selling for way lower prices than you first thought or can ‘afford’. If you expect to sell your timeshare week, you may have to think about refinancing your loan to get a lower interest rate, thus making payments more manageable and maybe even partially deductible. You could also try refinancing your mortgage or opening a home equity loan to pay of your timeshare loan(which has greater interest). By taking this step and paying of your timeshare loan you make your timeshare 10 time more marketable and much easier to sell.

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Resellers Keep ‘Cold Calling’ You:

Another thing you have to brace yourself for when you put your selling timeshare week up for sale, are cold calls. They range from emails to phone calls from interested parties looking to buy your timeshare at the asking price or often at a higher price. Wait before you start accepting offers there’s usually a catch, you might have to pay an up-front fee, usually not refundable.

You need to be prepared for some out-of-pocket expenses to sell your timeshare quickly. Also as long as you do your research and conduct yourself with some caution, you should not have too much trouble selling off your timeshare week.

So You Don’t Know How Much Your Timeshare Is Worth:

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How To Sell My Timeshare

The wonderful world of children is a planet where imagination has no bounds. Although boys and girls have amazing imaginations one thing that inhibits that flow is waiting. Patience is hard to learn for little ones so the best thing an office manager can do is provide a place where kids can have fun while they are waiting. Activity wall toys are a wonderful way to create a fun element to your waiting place without taking up too much room. Try to uncover toys that are not solely entertaining but educational as well. This will help enhance their interpersonal, developmental and intellectual growth.
For mothers and fathers, imagine your sweet child has to go to the dentist or doctor for a checkup. Going to the doctor can be a intimidating experience for little ones, so having an appealing waiting area helps children transition into the space and diminishes their anxiety. It makes the visit so much more relaxing when they can connect with other children and have fun interactions with them while waiting their turn to see the doctor. Have a well planned waiting area with activity wall toys means everyone is happy. Kids won’t get bored, moms and dads get a break, and office staff will not be disrupted with frequent questions regarding how much longer the wait will be.
Waiting room toys are not just for the pediatricians office. Sensible business people know that to make a sale you need to keep the interest of the purchaser. If the customer has young children with them then setting up a unique location for young ones to play in the waiting area is good business. Moms and Dads cannot concentrate on what you are sharing with them if they are regularly disrupted by their kids asking to go home. If the youngsters are content playing with the wall toys in your kid’s place then the parents are free to focus on what they want to buy. Help to make certain that the playthings you select are fun and functional so kids will stay engaged in the exercise. Picking the right wall mounted toys for your office space is not a challenging task. There are a lot of items to select from. What you need to think about is where will the products be positioned? Measure your space to see how much area you plan to cover. Determine if you want a theme like or if you favor an eclectic selection of products.
The moment you decide on the type of space you are developing and how much room you have you need to decide on the materials you want to use. For example, if you have mostly wood furniture or hard wood floors you might want to remain with wood waiting room toys so that they blend with the style. If your place caters to medically sensitive kids you should stick with plastic surfaces that can be washed with soap & water. As soon as you have decided on these basic issues it is time to purchase. Several parents understand the value of having of good quality educational toys in addition to simply keeping kids busy. They would like to provide the best for their children so decide on items that are helpful as well as fun. Quite a few pediatric offices have maze and pathfinder toys for increasing hand-eye coordination and an understanding of cause and effect. 
An additional thing to keep in mind is your target age range. Like all toys, kids wall mounted toys differ according to age in order to meet the every changing growing stages in a child’s growth. Help to make sure you have age suitable toys so that all kids coming in to your waiting area will be engaged in the toys that you make accessible to them. The great thing about most wall toys is they are all inclusive in one unit. This means no little pieces for young children to put in their mouths. It also means that your investment is safeguarded because the units are one piece and thus the parts cannot be taken away or taken home by little hands that don’t want to let go. Regardless if your organization caters children or strictly to their parents giving children a area to play in your waiting area is an effective way to keep kids happy and patient while they wait around. Happy kids assists parents relax so they can concentrate on what you are attempting to convey to them. Whether you want to talk to them about their child or maybe you are trying to market them a brand new car at a car dealership – the bottom line is offering a kids a fun waiting area is great way to keep kids and their parent’s happy and coming back for more.

The first major winter storm has left the eastern coast covered in record breaking amounts of snow with some areas seeing up to two feet of the cold white stuff. T This blizzard has left quite a storybook scene throughout much of the region leaving children with wonderful memories and quieting most major cities with staggering snowfall totals however this storm has also left many people cold and angry as it wreaked havoc with travel and electricity. The Red Cross has been providing shelter and comfort to those who were traveling during the storm, as well as residents who have lost power and heat. In particular, Red Cross shelters in Virginia, Kentucky, West Virginia and Maryland have seen more than nine hundred people come through their doors. The Red Cross depends on the generosity of people who donated money, blood and time to continue their unique role of bringing life saving services to those affected by disaster. Just as they rely on monetary donations, the Red Cross depends on car donation to meet the needs of thousands of people in need of food and shelter during winter storms. Winter is in full swing now and vehicle donation will help the Red Cross respond to the needs of many people who will be affected by major storms this winter. Your car donation this winter can help save lives.

The Red Cross needs donations all year long but this winter they need people who can donate a car as they prepare to meet the increased needs of people affected by winter storms. Major winter storms and the disaster they cause find many people in need of temporary shelter. Loss of heat and power force hundreds of people to leave their homes in search of warmth and temporary shelter until the heat returns and Red Cross is ready with food, water and a warm place to sleep. Providing food, snacks and drinks for so many people in these shelters requires more funds and vehicle donation is a vital source of funds for the Red Cross. House fires increase during the winter months as many people will misuse their ovens for heat and candles for lighting, often losing their homes. When you donate a car to the Red Cross, your car donation provides the basic essentials that people in temporary shelters need. When you donate a car to the Red Cross, your unwanted car serves a vital purpose as an auto donation. As the roads are slowly cleared and people dig their way out of the first major storm of the season, the Red Cross will continue to prepare for future storms and look to people who can donate a car.

Getting high quality back links is very high on the list for virtually every serious marketing / promoting campaign. Getting high quality back links to your web site guarantees that you will end up ranking well with the search engines. If your website is low in relevant back-links, then you will have a tough time with targeted traffic generation from the search engines. But in the search to get backlinks that matter, marketers make link building blunders that prove expensive for their sites. These kinds of mistakes can be misleading simply because they seem unimportant, however the effects could be expensive and waste a lot of time. Now we’ll discuss how to avoid these typical linking errors so you can stay on good terms with the search engines. If you are serious about your business, you should check out SEOLinkVine.

Perhaps the most typical error most people make is to try and establish backlinks from websites that aren’t related to your own site’s topic or specific niche market. It is advisable to focus on building back-links from websites that include the same or similar keywords or specialized niche topics to your own site. For example, if your web site is focused on weight loss, there is simply no point in obtaining backlinks from computer sites. You will not be helping your website in the slightest. It can oftentimes be just a little more difficult to find good quality sites in the same specific niche market as your own, but it can be done. Irrespective of how small you think that your specific niche market is, it is possible to locate ample web sites with very similar subject matter to your own to contact for building links requirements. You’ll find sites like these by typing in your keyword/phrases into any search engine and then checking out the results. Make contact with the webmasters of those sites and ask about the chance of getting a back link from them. Lots of people do not like the idea of asking site owners for links, but it truly is one of the better methods for getting the links you need. Be prepared to spend a bit of time establishing communication with other site owners, but your time and effort will show results. Be patient with your link building endeavours and continue aiming at the higher quality websites that happen to be relevant to your own and you will definitely see results.Brad Callen’s new content syndication network is really creating quite a buzz in the internet marketing community, you can learn more at SEOLinkVine.

A further mistake that is made by online marketers is that they don’t use ALT tags in their image links. Despite the fact that text links undoubtedly are a better option than image links, in a situation where you could only utilize the image link, ALT text is really essential as it contains your targeted keywords.

Yet another error that webmasters make is that they obtain backlinks from websites or pages which contain a lot of links. However the simple fact is that a back-link is recognized to hold much more value if it’s coming from a web page that doesn’t have countless backlinks. Should you put your own back-link on a web page where there are currently two hundred backlinks displaying, you won’t get the results you would like. Unfortunately, a number sites and directories make use of”nofollow” tags with any back links they include on those webpages. If there were 200 links on that page and you could get the webmaster to consent to not add a “nofollow” tag to your link, then it will certainly count.

The backlinking area provides both known and unknown considerations. No matter why you could have broken a rule, doing so will probably deliver website penalties and problems for you. It is a good idea to remain up-to-date with critical information regarding SEO/linking. Keep Stay of your competitors by mastering innovative, new methods and avoiding silly mistakes. These tactics will definitely make your link-building experience more positive, plus it’s going to help your search engine rankings. You might also be interested in reading SEOLinkVine – Article Marketing on Steroids