Texas Women In Business – Ordinary women doing extraordinary things #profitable #businesses

#women in business

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Ordinary women

doing extraordinary things

Building relationships

Giving back to the community

. and Having Fun!

Fri Sep 16 2016, 10:00am CDT – 2:00pm CDT

Home Texas Women in Business

Ordinary Women Doing Extraordinary Things

Welcome to Texas Women in Business! We are a membership-driven non-profit that is focused on empowering Texas Women in Business to achieve their personal and professional goals through education, development, mentoring, networking, service, and leadership.

We are committed to providing an outlet for giving back to the community on a local, state, and global basis. Learn more!

Upcoming Events:

6th Annual Birthday Bash and Extra ordinary Women s Awards on 9.16.16!

Extraordinary Women Award Finalist Announced!

TWIB is celebrating six years of philanthropy, programming, volunteerism and networking in 2016. To honor our birthday, we are announcing a call for nominations for the 3rd Annual TWIB Awards. The Awards are in line with TWIB’s vision and values focusing on “Ordinary Women Doing Extraordinary Things” to contribute to others. The awards will be open to any woman in the Austin area, not just TWIB members. Award Winners will receive a TWIB membership as well as a beautiful TWIB award.

Thank You to Our Premium Members!





8 Things You Need to Know About Small Business Loans #small #business

#small business loans

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Small businesses may be the engine of our economy, but many small business owners view the lending process as complicated and frustrating.

Too often, growing enterprises find themselves shut out when they attempt to obtain small business loans. In theory, it should be difficult to obtain funding–lenders are in the business of making money, not providing charity. Still, there are many ways to improve your odds of getting a loan .

Here are some things to consider.

  1. Put yourself in the lender’s shoes–why should they lend you money? When applying for a loan, treat it as if you’re applying for a job. Instead of a great resume, however, you need a stellar application. That means understanding your financial situation and deciding what you can use for collateral, which might include your house. A business person who does the latter shows they believe in their business. Cash flow and credit quality are other key factors. And dress professionally; if you look like you don’t need the money, you’re more likely to get it.
  2. Figure out how much money you really need. Businesses too often seek more money than they really need and, the more you seek, the more likely you will be rejected.
  3. Learn from your mistakes. If one lender rejects you, figure out why. When you go to the next small business lender, address that deficiency.
  4. Those with poor credit in a business-to-business environment that have receivables can use them as collateral. Alternative lenders, such as so-called Internet lenders, will charge higher interest rates, but generally have more relaxed standards.
  5. Always consider–in most cases it should be your first consideration–working with Small Business Administration-backed (SBA) lenders. Many businesses incorrectly assume they aren’t eligible. SBA loans often feature low interest rates and generous repayment terms. Also note that just because one SBA lender turns you down, not all lenders will do likewise.
  6. Know what you’re getting into. That means learning the annual percentage rate (APR) of the loan. Know what the fees will be, as well as any prepayment penalties. Be an informed shopper.
  7. As mentioned earlier, online lenders may provide funding (and quickly) if other alternatives fail, especially for those with bad credit. Aside from higher interest rates, Internet lenders are known for onerous terms and poor transparency, so be sure you really need the money–and can pay it back–if you go this route.
  8. Small banks are likely to be more helpful than bigger banks that prefer working with larger customers.

Like this column? Sign up to subscribe to email alerts and you’ll never miss a post.

The opinions expressed here by Inc.com columnists are their own, not those of Inc.com.





5 Things Not to Do Running a Small Business #home #based #businesses

#running a small business

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5 Things Not to Do Running a Small Business

January 12, 2016

I ve been a creative entrepreneur since 2005. My first design company was a partnership with my significant other. It was largely a freestyle experiment in running a business, conducted live over the course of five years. As a business, it was marginally successful. As a learning experience, it was my equivalent of a masters of business administration.

So, by the time I had started my second and current company, I had a pretty good blueprint of don t s for running a small business. I had been fortunate enough to make the mistakes that have yielded five valuable lessons learned — lessons that have truly paid off the second time around.

1. Don t rush into partnerships.

It was only after my original partner and I parted ways did I recognize that we should never have had a professional partnership in the first place. Just because someone is your best friend, long-time coworker and / or significant other hardly qualifies them as the perfect candidate for maintaining a business. I say maintaining because it s far easier to get excited about the prospect starting a company than being able to handle the day-to-day reality of running it efficiently.

The best partner is typically someone whose skills and approach are the polar opposite of yours. The first ensures the you are able to cover a lot more ground without additional employees. The second may create conflict, but it ll force you both to defend your business instincts and weed out lesser ideas before you waste resources.

2. Don t get discouraged.

Running a company isn t a goal — it s a long, winding road. Enjoy the process! Unless your goal is to cash out, and you ve got some built-in exit strategy, chances are you want a long-term entrepreneurial career. You will have ups, and you will have downs — possibly in the same week or even day. You will gain amazing clients and lose others for reasons fair and unfair. That s all part of having a business.

I ve yet to encounter a single business owner who s reached some grand, stable plateau beyond failure, disappointment and doubt. We all experience it. Instead of discouragement, focus on becoming more resilient, on learning how to handle stress productively.

3. Don t forget why you wanted to start a business in the first place.

Whether it s following a passion or having more control over your time to devote to family, always remember why you started down this road in the first place. It s easy to get carried away and forget what it was you wanted from your own business. I, for example, was driven by quality-of-life factors, especially time off for my other passion — travel. At times, temporary sacrifice may be truly necessary, but it pays to be conscious of when you re in danger of permanently shelving the very thing you wanted most.

4. Don t try to do everything yourself.

I started my first company with $500 — barely enough to cover the costs of incorporation. So, right away, I developed an addiction to doing everything myself. My partner was only capable, willing and able to do so much, and I found myself doing a lot of admin tasks I never anticipated. Those tasks came with learning curves, and they took up valuable time and energy — energy that could have been directed at helping the business grow.

I didn t make this mistake twice. With my second, far more successful attempt, I contracted my business half just a couple of months in. Although my expenses grew, now I could focus on doing better work as well as devote time to business development. Both actions helped to grow the company far quicker than my former money-saving attempts at being my own bookkeeper.

So, resist the urge to cover all the ground alone. Saving financial resources is important, but don t let your task list undermine your big goals.

5. Don t stop evolving.

Your strategy, your marketing plan, your target market — nothing is set in stone. The world is changing more and more rapidly each day. Your industry will likely experience a shift, whether slight or monumental, at some point. As a small business, you are at a disadvantage, because your resources are a lot more limited. But you have a priceless advantage in ability to change course and adapt far quicker than a larger organization.

The best way to remain relevant is keeping your eyes open for changing tides, your mind open to new ideas and staying flexible.

And, of course, don t be too afraid of making your own mistakes!





Things You Understand If You’re The Busy Friend #business #logos

#busy

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Things You Understand If You’re The Busy Friend

We hear ya.

Are you chronically busy? Do you go to school and hold a job (or several)? Are you overly involved on campus? Do you have a semblance of a social life? Are you constantly having to prioritize and re-prioritize your to-do list? Do you have a tendency to overextend yourself? Do you sometimes feel like your friends just don’t understand? Are you The Busy Friend?

We hear ya. The following is a list of some of the things that your fellow Busy Friends can identify with. If you’re not The Busy Friend, hopefully this list gives you some insights into the mind of The Busy Friend in your life.

1. Scheduling everything. I mean, everything. You forget to schedule cushion time for a bathroom break? Bummer. Your whole day is thrown off.

2. You have been so deprived of purely social interactions that when you finally do make it to that hang-out you scheduled two weeks ago and your friends are busy playing “Candy Crush” instead of being super present in this awesome, once-in-a-month quality friendship moment, you get unreasonably angry.

3. Or the opposite. You finally have a moment to chill with friends, but it is only going to last so long and you’re the one too busy for the present. Remember how you haven’t called your grandma in three years? The to-do list you made seven minutes ago needs updating. You have not casually scrolled your Instagram/Facebook etc. allllll day. If you’ve been there, you know what I mean.

4. When you explain how busy you are, and people tell you to “just do less”, and you’re like “I CANNOT JUST DO LESS. THIS IS MY LIFE. I DO THIS MUCH. THIS IS HOW MUCH I DO” and they still don’t get it. I mean, sure, you could maybe cut out your one hobby that allows you to be a sane and functioning human. And yeah, you could probably eat more top ramen and less actual food, saving on the amount of hours spent working and the amount of prep time. Sure, you could spend less time sleeping – who needs a solid 4 hours anyways?

5. When you have a sudden opening in your schedule and become the most spontaneous person. You’ve got 27 free minutes and you’re up for anything. Where da crew?

6 .You calculate the exact amount of minutes you will be able to sleep if you fall asleep now. How many REM cycles is that? 1.5? Awesome. If anyone interrupts your precious sleep, they might as well have woken a hibernating bear.

7 .When Friday rolls around you can do nothing but fall into bed in exhaustion. Cue comments from friends about how you’re totes antisocial and why don’t you ever go out anymore.

If you can identify with more than a few of these, you may just be The Busy Friend. Maybe it’s time to cut back on a few of your extracurriculars; maybe it’s time to start slimming down your friend group to the people who really matter to you. Trust me, I know the struggle of having to limit your activities and prioritize your passions. But even just making a small change can have a big impact on your schedule, energy level and social life.

Never Miss A New Article

Related Content





Top 5 Things to Pay Attention to When Giving Corporate Gifts #business

#business gifts

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Top 5 Things to Pay Attention to When Giving Corporate Gifts

As the CEO of a small business, one of your main concerns is ensuring your employees know they feel appreciated. Aside from the frequent verbal praise you hopefully provide, the occasional gift can go a long way to making an employee feel valued.

Yes, you probably have a small office with a few coworkers if you’re just starting out but there will be a birthday, anniversary, or some extraordinary job done where gift giving is going to be expected. Giving a gift in the workplace can sometimes be tricky, but follow these simple rules to make sure your gift leaves a happy employee.

Get your budget in line.

Even if you’re giving a gift to a family member or friend, how much to spend is always one of the hardest things to figure out, and it’s even more difficult when coworkers are involved.

Always consider the reason of the gift. If you’re congratulating someone on a job well done, a $15 American Express gift card may be fine. If you’re celebrating a promotion or engagement, something a little more substantial may be appropriate.

Conduct research.

Before you do anything at your company, it’s either tested or researched thoroughly, right? In the same way, think about the person who you’re giving the gift, too and make sure you won’t give them anything that will offend them.

Examine their desk and see how they have it decorated. You should be able to find something that fits within their idea of a great gift. Are they fanatics about a sports team? Do they Starbucks on their desk every morning? Even though the best gifts come from the heart, remember that it’s okay to ask for help if you can’t figure out a great gift.

Gift for special occasions.

As the CEO, you’ll have plenty of opportunities throughout the year to give gifts to employees on special occasions. Whether you’re buying flowers for Secretary’s Day or get well soon gifts for a co-worker, it’s much easier to match a gift to the occasion than to buy one blindly.

Attach a handwritten note.

It’s easy to shoot off an email or copy and paste a typewritten note into a custom electronic card, but a handwritten note will make a much stronger impression. Remember one important thing about the person to whom you are writing and mention it in the note for maximum effect.

Deliver the gift personally.

Assuming your office and the gifts are small enough, deliver each gift you have purchased to each individual personally. Much like the handwritten note, it will create a much stronger impression when your gift is delivered in person. Plus, you can also use this time to catch up briefly with each of your employees.

Erin Leigh is a freelance writer for The Serious Teddy Bear Company, a gift basket company for every occasion, from teddy bear birthday gifts to employee and manager gifts. She’s a self-proclaimed gift giving expert and strives to find the perfect gift for any occasion.

Under30Experiences





Things You Understand If You’re The Busy Friend #new #business #plan

#busy

#

Things You Understand If You’re The Busy Friend

We hear ya.

Are you chronically busy? Do you go to school and hold a job (or several)? Are you overly involved on campus? Do you have a semblance of a social life? Are you constantly having to prioritize and re-prioritize your to-do list? Do you have a tendency to overextend yourself? Do you sometimes feel like your friends just don’t understand? Are you The Busy Friend?

We hear ya. The following is a list of some of the things that your fellow Busy Friends can identify with. If you’re not The Busy Friend, hopefully this list gives you some insights into the mind of The Busy Friend in your life.

1. Scheduling everything. I mean, everything. You forget to schedule cushion time for a bathroom break? Bummer. Your whole day is thrown off.

2. You have been so deprived of purely social interactions that when you finally do make it to that hang-out you scheduled two weeks ago and your friends are busy playing “Candy Crush” instead of being super present in this awesome, once-in-a-month quality friendship moment, you get unreasonably angry.

3. Or the opposite. You finally have a moment to chill with friends, but it is only going to last so long and you’re the one too busy for the present. Remember how you haven’t called your grandma in three years? The to-do list you made seven minutes ago needs updating. You have not casually scrolled your Instagram/Facebook etc. allllll day. If you’ve been there, you know what I mean.

4. When you explain how busy you are, and people tell you to “just do less”, and you’re like “I CANNOT JUST DO LESS. THIS IS MY LIFE. I DO THIS MUCH. THIS IS HOW MUCH I DO” and they still don’t get it. I mean, sure, you could maybe cut out your one hobby that allows you to be a sane and functioning human. And yeah, you could probably eat more top ramen and less actual food, saving on the amount of hours spent working and the amount of prep time. Sure, you could spend less time sleeping – who needs a solid 4 hours anyways?

5. When you have a sudden opening in your schedule and become the most spontaneous person. You’ve got 27 free minutes and you’re up for anything. Where da crew?

6 .You calculate the exact amount of minutes you will be able to sleep if you fall asleep now. How many REM cycles is that? 1.5? Awesome. If anyone interrupts your precious sleep, they might as well have woken a hibernating bear.

7 .When Friday rolls around you can do nothing but fall into bed in exhaustion. Cue comments from friends about how you’re totes antisocial and why don’t you ever go out anymore.

If you can identify with more than a few of these, you may just be The Busy Friend. Maybe it’s time to cut back on a few of your extracurriculars; maybe it’s time to start slimming down your friend group to the people who really matter to you. Trust me, I know the struggle of having to limit your activities and prioritize your passions. But even just making a small change can have a big impact on your schedule, energy level and social life.

Never Miss A New Article

Related Content





Personalized New Job Gifts At Things Remembered #business #startup #ideas

#personalized business gifts

#

Personalized Gifts That Inspire

New Job Gifts

California Supply Chains Act

The company takes no action in engaging in verification of product supply chains to evaluate and address risks of human trafficking and slavery. The company takes no action in conducting audits of suppliers to evaluate supplier compliance with company standards for trafficking and slavery in supply chains. The company takes no action requiring direct suppliers to certify that materials incorporated into the product comply with the laws regarding slavery and human trafficking of the country or countries in which they are doing business. The company takes no action maintaining internal accountability standards and procedures for employees or contractors failing to meet company standards regarding slavery and trafficking. The company takes no action providing company employees and management, who have direct responsibility for supply chain management, training on human trafficking and slavery, particularly with respect to mitigating risks within the supply chains of products.

Site Map Things Remembered 2016. All rights reserved.

Buy One, Get One 50% Off

Buy one item, and get one item of equal or lesser value at 50% off. Offer is valid on merchandise purchases thru August 22, 2016 only at Things Remembered retail stores and ThingsRemembered.com. Offer is subject to change or cancellation without notice. Discount taken automatically at checkout. Fossil�, Bulova� watches, Seiko�, Howard Miller� and Willow Tree� products are excluded from the offer, and other exclusions may apply. $14.99 Shadow Box Frames with purchase are excluded from the offer. Personalization, taxes, clearance items and shipping and handling fees are excluded from the offer. Offer may not be combined with other coupons, discounts or offers, and cannot be used for prior purchases. Business Class large-order discounts may not be combined with this offer. No rain checks. No price adjustments. No cash value. Not transferable. Associates of Things Remembered and its affiliates are not eligible. Things Remembered 2016.

$14.99 Shadow Box With Any Purchase

Get select Shadow Box Frame(s) for $14.99 (regularly $25) with any purchase at Things Remembered retail locations and ThingsRemembered.com for a limited time. Mix-and-match Shadow Box Frame styles, no limit. Shadow Box Frame with purchase is subject to availability. Offer is subject to change or cancellation without notice. Personalization, taxes, and shipping and handling are excluded from the offer, and other exclusions may apply. Discount taken at checkout. Offer cannot be used for prior purchases. Business Class large-order discounts may not be combined with this offer. No rain checks. No price adjustments. No cash value. Not transferable. Associates of Things Remembered and its affiliates are not eligible. Things Remembered 2016.

$20 Off Wedding Essentials & $10 Off Wedding Gifts

Get $20 off total transaction with purchase of at least one (1) select Wedding Essential item when personalized, and $10 off total transaction with purchase of at least one (1) select Wedding Gift item when personalized, August 5 through August 7, 2016, 11:59 p.m. EST at Things Remembered retail stores and ThingsRemembered.com. Discount(s) is on total transaction and not individual items or personalization. Personalization, taxes, and shipping and handling fees are excluded from the discount. Willow Tree�, Fossil�, Bulova� watches, Seiko� and Howard Miller� branded products are excluded from the offer, and other exclusions may apply. Discount may not be combined with other offers, coupons or discounts, and cannot be used for prior purchases. Business Class large-order discounts may not be combined with this offer. No rain checks. No price adjustments. No cash value. Not transferable. Associates of Things Remembered and its affiliates are not eligible. Offer is subject to change or cancellation without notice. Things Remembered 2016.

Flash Sale Buy One, Get One Free When Personalized Men’s Women’s Leather

Buy one item, and get one men’s or women’s leather item of equal or lesser value free when items are personalized. Offer is valid on select merchandise purchases made August 17, 2016 at Things Remembered retail stores and ThingsRemembered.com. Offer is subject to change or cancellation without notice. Discount taken automatically at checkout. Exclusions may apply. Personalization, taxes, clearance items and shipping and handling fees are excluded from the offer. Offer may not be combined with other coupons, discounts or offers, and cannot be used for prior purchases. Business Class large-order discounts may not be combined with this offer. No rain checks. No price adjustments. No cash value. Not transferable. Associates of Things Remembered and its affiliates are not eligible. Things Remembered 2016.

Flash Sale Buy One, Get One Free When Personalized Women’s Gifts

Buy one item, and get one women’s gift item of equal or lesser value free when items are personalized. Offer is valid on select merchandise purchases made August 18, 2016 at Things Remembered retail stores and ThingsRemembered.com. Offer is subject to change or cancellation without notice. Discount taken automatically at checkout. Fossil�, Bulova� watches, Seiko�, Howard Miller� and Willow Tree� products are excluded from the offer, and other exclusions may apply. Personalization, taxes, clearance items and shipping and handling fees are excluded from the offer. Offer may not be combined with other coupons, discounts or offers, and cannot be used for prior purchases. Business Class large-order discounts may not be combined with this offer. No rain checks. No price adjustments. No cash value. Not transferable. Associates of Things Remembered and its affiliates are not eligible. Things Remembered 2016.

Flash Sale Buy One, Get One Free When Personalized Frames

Buy one item, and get one frame of equal or lesser value free when items are personalized. Offer is valid on select frame purchases made August 19, 2016 at Things Remembered retail stores and ThingsRemembered.com. Offer is subject to change or cancellation without notice. Discount taken automatically at checkout. Exclusions may apply. Personalization, taxes, clearance items and shipping and handling fees are excluded from the offer. Offer may not be combined with other coupons, discounts or offers, and cannot be used for prior purchases. Business Class large-order discounts may not be combined with this offer. No rain checks. No price adjustments. No cash value. Not transferable. Associates of Things Remembered and its affiliates are not eligible. Things Remembered 2016.

$20 Off Wedding Essentials when personalized + $10 Off Wedding Gifts when personalized

Get $20 off total transaction with purchase of at least one (1) select Wedding Essential item when personalized, and $10 off total transaction with purchase of at least one (1) select Wedding Gift item when personalized, July 22 through July 24, 2016 11:59 p.m. EST at Things Remembered retail stores and ThingsRemembered.com. Discount(s) is on total transaction and not individual items or personalization. Personalization, taxes, and shipping and handling fees are excluded from the discount(s). Willow Tree . Fossil . Bulova watches, Seiko and Howard Miller branded products are excluded from the offer, and other exclusions may apply. Discount may not be combined with other offers, coupons or discounts, and cannot be used for prior purchases. Business Class large-order discounts may not be combined with this offer. No rain checks. No price adjustments. No cash value. Not transferable. Associates of Things Remembered and its affiliates are not eligible. Offer is subject to change or cancellation without notice. Things Remembered 2016.

Give To Louisiana

Things Remembered is matching monetary donations made through its retail locations and ThingsRemembered.com, up to a total donation of $5,000. 100% of contributions made through its retail locations and ThingsRemembered.com will be donated to NOLA Pay It Forward Fund, which was set up by the Mayor of New Orleans and the Greater New Orleans Foundation to provide resources, early relief and rebuilding efforts to the people, families, outside parishes and communities affected by recent floods. You can also make a donation directly to the NOLA Pay It Forward Fund at www.gnof.org/nolapayitforward/.

Our Best Gifts Free With Purchase When Personalized

Buy one personalized item, and get one of our select items (Best Gifts) free when personalized at ThingsRemembered.com and Things Remembered retail locations thru September 5, 2016. Both items must meet minimum personalization requirement (one initial/one monogram/one word for $10, each additional word is $3). Personalization, taxes, shipping and handling fees, and clearance items are excluded from the offer. Fossil . Bulova watches, Seiko . Howard Miller and Willow Tree products are excluded from the offer, and other exclusions may apply. Offer may not be combined with other coupons, discounts or offers, and cannot be used for prior purchases. Business Class large-order discounts may not be combined with this offer. Discount taken automatically at checkout. Offer is subject to change or cancellation without notice. No rain checks. No price adjustments. No cash value. Not transferable. Associates of Things Remembered and its affiliates are not eligible. Things Remembered 2016.





5 Important Things You Need in Your Business Plan #current #stock #market

#business planning

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5 Important Things You Need in Your Business Plan