Spend Wisely to Save Money

Make Some Money 2

OK. Here we Go again. a second round of make some extra money. I am note going to but your

chops

about how hard it is to make some money online, I am just going to show some ways to do it so here

we go.

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Evaluate your reason's to start your own business.

So, You Want Your Own Business!

There are many reasons for wanting to start your own business, and most of us get to this point.  Which one of the following applies to you?

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• Freedom from daily routine.
• Doing what I want when I want.
• Improve my living standard.
• I want creative freedom.
• I want to fully use my skills, knowledge and education.
• I have a product/idea/service that people need.
• I’ll have more time with the family.
• I won’t have a dress code.
• There are good tax breaks for business owners.
• I’m a Type B person and work best alone.
• I want to be my own boss.
• I want to make the decisions.

Now granted, every one of the above is a good reason for wanting your own business.  The rub is, that not many people think the process through – step by step.  There are 7 phases to business planning.  They are:

1. Investigation Phase
2. Planning Phase
3. Start-up Phase
4. Operating/Monitoring Phase
5. Problem/Challenge resolution Phases
6. Renewal/Expansion Phase
7. Selling, Transferring, Retirement Phase

We’ll cover all of the above in my next few columns as a “Business Basics” refresher, but for today let’s take number one.



In the Investigation Phase you look at yourself and also your business options.  There are careers that are suited to personality types, so the first thing you must discern is “Which personality type am I?”



Duty Fulfillers

            This is an introverted personality who is serious, quiet, thorough, orderly, matter of fact, logical, realistic, and dependable.  They take responsibility, are well organized, know what should be accomplished and work steadily toward it disregarding distractions.  They are careful calculators, and 20% of this group become accountants.



The Mechanics

            These are also introverts and are cool onlookers.  They are quiet, reserved, observing, and analyzing life with a detached curiosity and have unexpected flashes of original humor.  They’re usually interested in cause and effect, how and why mechanical things work, and in organizing facts using logical principles.  They usually are craftsmen, mechanics, or handymen with about 10% becoming farmers.



The Doers

            These people are extraverts who are good at on-the-spot problem solving, don’t worry, enjoy whatever comes along, are adaptable, tolerant, and generally conservative in values.  They tend to like mechanical things and sports, and dislike long explanations. They are best with “real” things that can be worked, handled, taken apart, or put together. About 10% of this type go into marketing or become Impresarios.



The Executives

            These are another extravert group and are hearty, frank, decisive, leaders in activities and usually good in anything that requires reasoning and intelligent talk, such as public speaking.  They’re usually well informed and enjoy adding to their fund of knowledge.  They may sometimes appear more positive and confident than their experience in an area warrant.  They’re sometimes called “judgers” and “thinkers” and 21% of this group become legal administrators.



To go into each personality type would be far too complicated, but to give you an idea of the roles that personality types could fall into look at the following list.  Beside the categories we covered in depth here are some simply broken down into Introvert or Extravert Personality.



Introverts choose careers that satisfy being:

• Nurturers
• Guardians
• Artists
• Scientists
• Protectors
• Idealists

Extraverts are usually:

• Performers
• Visionaries
• The Inspirers
• Givers
• Caregivers

The second part of the Investigating Phase is looking at your business options.  When choosing the business, you want to start considering the following:

• Do you like to work with your hands or brain, or both?
• Does working indoors or outdoors matter?
• Are you good at math, writing, puzzles, blueprints, installing things or fixing things?
• What interests you? What are your hobbies?
• Do you like to work alone or as part of a team?
• Do you like to plan things, or go to events?
• Do you like machines, computers?
• Do you like to drive or operate equipment?
• Do you like to travel, collect/display things, give/attend shows, or take pictures?
• Are you small, large, strong?

Make a list of your likes and dislikes.  Keep a diary of things you do that relate to business and rate each entry from 1 to 5 based on your interest.  Then prepare a list of your strengths, weaknesses, opportunities and concerns.  After doing all that, you should have a list of candidate businesses that are right for you.  Then you can make a list of the “candidate businesses” and rate them from 1 to 5 based on your own chosen criteria.



Some criteria could be is it feasible, low in cost to establish, meets my objectives, will make money, there is a “niche” market of existing customers, or it will produce residual income to name just a few.



By the time you’ve accomplished all that, you should seriously consider visiting the local chapter of S.C.O.R.E. or your own mentor to use as a sounding board for your plan.  Next week, if I haven’t dissuaded you so far, we’ll cover the Planning Phase.

10 STEPS TO SUCCESS IN DIRECT SALES

10 STEPS TO SUCCESS IN DIRECT SALES

Every year thousands of men and women across America sign on with

direct selling firm-Tupperware, Amway, or a cosmetic

company-hoping to make money enough for new draperies, a new

davenport, or some new clothes. They sell a little merchandise to

a few relatives and close friends. Then they are through. They

quit before they give themselves a chance to learn the basics of

success in sales. "I am simply not a born salesperson," they

often say.

No one is born a salesperson, any more than one is born a doctor

or born a lawyer. Sales are a profession. To be successful in any

profession one must learn not only the basic techniques, but also

how to apply those techniques. Success in sales makes use of all

the abilities one is born with, plus all those acquired through

education and experience.

If you are looking for a career opportunity or "extra income" to

help with the family budget, direct selling offers you

dream-fulfilling possibilities. However, you must give yourself

time to learn the techniques of sales. Ask yourself. "How long

does a doctor to be study? A lawyer to be study?"

WHAT ISDIRECT SELLING?

Direct selling is marketing a product directly to the consumer

with no middleman involved. Most reliable firms are members of

the National Association of Direct Selling

Companies. They bring to the public fine products that are

modestly priced in order to insure mass consumption.

Most direct selling companies furnish their representatives with

a starter kit and essential supplies below-cost prices. In many

instances the investment is under $100.

There is an adage which says "Give a man a fish and you feed

him for a day. Teach a man to fish and you feed him for a

lifetime."

Many of them were able to change their lives for the better. They

took their families on nice vacations. They purchased a piano or

an organ and provided music lessons for their children. They

saved money for college education. They redecorated their homes,

bought needed furniture. One highly successful saleslady-built a

new home.

The rewards of direct selling are many

1. You can be your own boss.

2. You can set your own hours.

3. You can own your own businesses with little or no investment.

4. You can pay yourself more than any boss would ever pay you.

5. You can give yourself regular raises as your business grows.

It is only fair to tell you that there are failures, too. There

are people who will not work for themselves. When working for a

boss, they rise early, are well-groomed, and get to the office on

time. However, when they are their own boss, they are still in a

bathrobe, drinking one more cup of coffee at 11:00 A.M.

If you can be your own boss and discipline yourself to do what

has to be done when it has to be done, direct selling offers a

most unusual earning opportunity.

THE TEN STEPS

Here are ten steps that will assure your success:

1. BE AGOAL SETTER. What do you want to accomplish? Do you want

to save for college education for your children. A new car? A

new home? You can have whatever you want, but you must want it

enough to do the things that have to be done to get it. Whatever

your goal write it down and set a target date for reaching it.

Divide the time period into blocks of achievement that are

reachable. Work consistently toward accomplishing each day, each

week, each month what you set out to do. Goal setting is a must

in every area of life. Little is ever accomplished without

definite goals.

2. BE A LIST MAKER. Each evening list all the things you want to

get done the following day. That gives you an organized approach

to each day. As each task is finished, mark it off your list. It

is amazing how much gets done when one works with a

"things-to-do" list. Also, have a notebook listing appointment,

potential clients, repeat clients, and referrals, and keep it

with you at all times. You will be adding to it constantly.

3. BEENTHUSIASTIC. Enthusiasm is the high-octane "fuel" that

salespeople run on. Enthusiasm generates its own energy. Energy

and good health are synonymous with busy, happy people, people

who are achieving?

4.RECOGNIZE THAT THE MAGIC WORD IN SALES IS "ASK." In direct

sales we don't have to wait for business to come to us. We create

our own business by asking for it. Ask for appointments, then you

can do business. Ask for business, then you will close sales. Ask

for referrals, then you always have a full list of potential

clients. Be quietly, yet firmly aggressive.

5. EXPECT NO'S. Realize that no's are not personal. In sales, as

perhaps nowhere else, the law of averages works. Every no gets

you closer to a yes. Keep track of your ratio. It will help

improve your techniques. Are you getting ten no's to one yes? Is

your ratio five to one? Remember, the yes's are your income. Also

remember that "no" does not necessarily mean "no." Often a "no"

is simply a stall for more time to think. It may be a request for

more information about your product or your service. What your

client is actually buying is assurance. Assure here by your

helpful attitude and your complete honesty, that you want what is

best for her. She will most likely respect you and do business

with you.

6.SCHEDULE TIME WISELY. A schedule is the roadmap by which

salespeople travel. It takes the frustration out of the day. It

assures that the necessary things get done and get done on time.

Plan your work then work your plan.

7. BEPOSITIVE IN YOUR ATTITUDE. Success in sales, as in all

areas of life are 90 percent attitude and 10 percent aptitude. All

of us must work at developing habits of constructive thinking. I

am proud to be a salesperson. Sales make the wheels of our

economy turns. Bernard Baruch, advisor to several presidents, is

quoted as saying, "If every salesperson sat down and took no

orders for twenty-four hours, it would bankrupt our country!"

Every company that manufactures any kind of product depends upon

salespeople to move that product. Without salespeople business

would be paralyzed.

Remember, sales are one of the highest paid of all professions.

Statistics show that good salespeople enjoy incomes far above the

average.

8. HAVEAN OFFICE AREA. Most direct salespeople work from their

own homes, but it is essential to have a place where you can work

in a organized and efficient manner. An office plus a strict

working schedule gives you dignity. Both are essential

for efficient operation and accurate record keeping, so important

to the success of any business.

9. BE INVOLVED. Most sales organization offer contests to

stimulate production. Include winning contests as part of your

business goals. Contests make your business fun as well as adding

considerable dollar value to your income.

10. LEARN TO HANDLE MONEY INTELLIGENTLY. A regular nine-to-five

job usually means a paycheck at the end of the second week.

Direct sales "reps" handle money constantly. Direct sales is

instant income and constant income. Therefore. it is absolutely

necessary to become an efficient money manager.

Deposit every penny collected from

clients into a checking account set up especially for its

business. Since bank statements show an exact record of all

monies collected, and business expenses can be verified by

canceled checks, record keeping becomes simple and accurate.

Everything except a few "petty cash" transactions can be directly

taken from bank statements.

Money saved regularly and put at interest, soon develops a second

income in addition to earned income. A long-term goal, which is

realistic in direct sales, is to be able to live in retirement

off the interest earned on savings.

Would financial security mean a lot to you? If so, ask yourself

these questions:

* Am I honest?

* Do I really like people?

* Am I willing to learn?

* Am I willing to work?

* Am I capable of being my own boss?

If your answers are yes, to find a good product

for the direct sales market, one that you like, one that fills

the need of a lot of people and go to work for yourself! You

can turn dreams into reality.

The Evolution of the Business Woman

21^st Century Businesswomen  

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When the first generation of women entered the workforce in earnest in the 1970s, they succeeded in the only way they could – by imitating men.  Authoritarian leadership and tight control were the hallmark of that day’s businessman, and women were not exactly welcomed into the ranks of management.  Well ladies, that was yesterday, and today is today!

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Forget what your mama or your boss told you, because following the rules can be bad for your career.  Today’s CEO/entrepreneur can no longer tap his/her company’s full potential using a “command-and-control” style.  The 21^st century businesswoman needs to be able to build a vision based on the awareness of economic transformation, then help her partners and staff fulfill that vision.  She must draw on a wide range of skills to get to the top and stay there.  Following are 7 Key Characteristics that are essential:

1.      Sell the Vision: A leader with a fresh, independent plan for her company’s growth and future has a distinct advantage in luring and keeping great talent and investors.  Vision is not some lofty ideal, but an obtainable concept that is easy to understand and will make the company grow to another level.

2.      Reinvent the Rules:  While women have traditionally been socialized to please others, the 21^st century leader knows that good girls rarely post great returns.  The strong managers/owners today not only anticipate change, they create entirely new organizations that respond to shifts and search for innovation.

3.      Achieve with A Laser Focus:  Go where others fear to tread! Being aggressive and ambitious has long been considered male traits, but they are key qualities for new leaders.  Today’s businesswoman has the ability to home in on opportunities that others may simply not see, and then excel in that uncharted territory. 

4.      Use High-Touch in a High-Tech Era:  When a number of leaders are conducting business by e-mail, voice mail, passwords, and PINs, the female entrepreneur succeeds because she guides with a strong, personal, bed-side manner. Today’s businesswoman is just as technologically savvy as her peers, but her skill with staff and customers is “high-touch” which gives her a critical edge and separation from the “pack”.

5.      Challenge or Opportunity? – Women are great at turning a challenge into an opportunity instead of using the “slash-and-burn” approach.  They are able to make bold strokes, but they also win the cooperation of others in the organization in making any transformation a success.

6.      A Customer Preference Obsession:  In this information age which makes it easier to shop around for the best “whatever”, businesses must work harder to give people what they want before their competitors do.  There is no substitute for spending time with clients to become expert at their businesses and learn their demands.  Female leaders are almost intuitively adept in doing just that, and without the client even suspecting.

7.      Courage Under Fire:  Show me any career woman or female entrepreneur today that can’t “stand-the-heat” in any tough-call situation.  Their decision-making skills are rooted in a high level of confidence, because they’ve had to weather and surpass any and all “corporate” storms they’ve encountered over time.

It takes a certain mind-set and bravado for anyone to start their own business and succeed, but it’s even more difficult for a female entrepreneur.  Let’s face it, ladies!  We’ve always had to be twice-as-smart and twice-as-confident as any male counterpart in the corporate world.  After all, if we can bear and raise the future generation, how can running a successful business scare us?

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Security and Finance

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When you hear the term “Security Finance” you might think about collateral.  When you go to the bank to secure a loan for a new car or a home, the bank will look at what you already own and they often refer to that as “security.”  In days past, that was the definition most recognized with the term, but today it means something a bit different.

Security finance can fit into two categories:

Debts

Equities

When considering security finance as it relates to debt the term is often used in reference to things like bonds.  Bonds are generally issued to one person by another person who owes them money.  Some common types of bonds are the bonds issued by the government.  In this type of security finance, the bond is taken out for a specific time with an agreement that once that time has elapsed, the bondholder will be entitled to the face value of the bond along with interest at a pre-determined rate. 

These types of bonds were extremely popular years ago when people would buy government bonds as a savings technique.  The interest payable is low though and although they do garner a profit, it’s generally modest. The Best Finance Tips are those that help the consumer yield the biggest profit with the least risk.

Another type of bond that people think of when they consider security finance is Eurobonds.   Eurobonds sound exotic but in essence they are bonds from another country.  The investor places money into a bond in a foreign country. 

In terms of security finance when you are referring to equity that generally means shares or stock in a company.  Stock is the money raised by a company through the sale of company shares.  With many popular companies going public and giving anyone the opportunity to purchase shares, it’s not uncommon for a person to hold shares in several well-known corporations.

Security finance in this sense is thrilling to the average worker who purchases a share and then follows the stock market carefully wanting to see how his investment is doing.  Many people see this as a beneficial addition to their financial portfolio. 

Having some understanding of the Best Finance Tips is essential though if you hope to make a profit by investing in shares.  A share can hold a modest value one day and then shoot up substantially the next.  For many investors this would be the time to sell to see that immediate profit, but those schooled in security finance understand that the stock market can be unpredictable.

There are trends in the stock market and if you have an understanding of security finance you’ll know that following the market is crucial to success.   The critical components to success are what to purchase and when to purchase it. Recognizing the Best Finance Tips and following them will help you with knowing how to read the stock market.

Security finance is an exciting area for even the modest investor.  Getting the knowledge you need is as easy as taking time to research the area you are interested in.  Regardless if you have five dollars or a million dollars to invest you can make a profit if you keep a level head.

Changing How You Eat

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As you may know, not fueling up with the right nutrients can affect how well your body performs

and your overall fitness benefits.  Even though healthy eating is important, there are myths that

hinder your performance if you listen to them. Below, you'll find some myth busters on healthy

eating.

1.  Working out on an empty stomach. If you hear a rumbling noise in your stomach, the
rumbling is trying to tell you something.  Without listening to them, you are forcing your body to
run without any fuel.  Before you exercise or do any physical activity, always eat a light snack
such as an apple.

2.  Relying on energy bars and drinks. Although they are fine every once in a while, they don't deliver the antioxidants you need to prevent cancer.  Fruits and vegetables are your best bets,
as they are loaded in vitamins, minerals, fluid,
and fiber.

3.  Skipping breakfast. Skipping breakfast is never a good idea, as breakfast starts the day.  Your body needs fuel as soon as possible, and without it, you'll be hungry throughout the day.

4.  Low carb diets.
Your body needs carbohydrates for your muscles and the storing of energy. 

5.  Eating what you want.
Eating healthy and exercising doesn't give you an all access pass to eat anything you want.  Everyone
needs the same nutrients whether they exercise or not, as well as fruits and vegetables.

6.  Not enough calories
Although losing weight involves calories, losing it too quickly is never safe.  What you should do,
is aim for 1 - 2 pounds a week.  Always make sure that you are getting enough calories to keep your
body operating smoothly.  If you start dropping weight too fast, eat a bit more food.

7.  Skip soda and alcohol.
Water, milk, and juice is the best to drink for active people.  You should drink often, and not
require on thirst to be an indicator.  By the time you get thirsty, your body is already running a
bit too low.

Changing how you eat is always a great step towards healthy eating and it will affect how your
body performs.  The healthier you eat, you better you'll feel.  No matter how old you may be, healthy
eating is something you should strive for.  Once you give it a chance, you'll see in no time at
all just how much it can change your life - for the better. Now since we have that out of the way let's take a look at cooking basics for beginners.

                                                  Cooking Basics for Beginners.

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When it comes to cooking, it is important to keep in mind that everyone started somewhere. I do not know of a single person who was born with a wooden cooking spoon and ready to go. There is a lot of learning that must be done in order to become a prolific cook and then there is always room for improvement. Not only do you need to begin with the basics when it comes to cooking but you almost need to begin again when learning to cook a new cuisine such as Chinese, Thai, or Indian food.

This means that at any given time in your cooking learning cycles there is quite probably someone somewhere that is better and/or worse at cooking than you. Take heart from this because even the best have bad days when it comes to cooking. There are many people who cook for different reasons. Some cook in order to eat and survive while others cook because they actually enjoy the process of cooking. Some cook during times of emotional upheaval and others cook out of sheer boredom. Whatever your reason for cooking or learning to cook you should always begin with the basics.

The first thing that you need to learn is what the different terminology you will find in recipes actually means. There are many new and sometimes foreign sounding terms that you will find in common recipes. These terms can mean the difference in recipe success or failure. You should be able to find a good section in any inclusive cookbook that explains the different definitions for unfamiliar terminology. If you aren’t absolutely certain what is meant by “folding in the eggs” it is in your best interests to look it up.

Another great bit of advice when it comes to cooking basics is to try simpler recipes for a while and then expand your horizons to the more complex recipes that abound. Most recipes will have a little note about their degree of difficulty and you can read through the recipe to see whether or not it is something you are interested in preparing or confident that you can prepare. Remember Rome wasn’t built in a day and it will take quite some time to build a reliable ‘repertoire’ of recipes to work into your meal planning rotation.

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The good news is that once you’ve learned the basics of cooking it is unlikely that you will ever need to relearn them. This means that you can constantly build up and expand your cooking skills. As you learn new recipes and improve your culinary skills and talents you will discover that preparing your own meals from scratch is much more rewarding than preparing prepackaged meals that are purchased from the shelves of your local supermarkets.

You will also discover as your experience and confidence grows that you will find yourself more and more often improvising as you go and adjusting recipes to meet your personal preferences. If you prefer more or less of ingredients or want to make a recipe a little more or less spicy in flavor you can make simple adjustments along the way in order to achieve this goal. In other words you will begin in time to create recipes of your very own. And that is something you won’t necessarily learn when it comes to basic cooking skills for beginners but you would never learn if you didn’t master those basic cooking skills.

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