Small business: 21 tips from entrepreneurs who are killing it #bakery #business

#small business tips

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21 tips from small businesses that are killing it

STARTING a small business is a dream for many Australians, but it can be daunting.

Here, entrepreneurs who are killing it in a range of industries share their best piece of advice for making your company a success.

1. Deliver a consistent customer experience.

Damian Cerini, owner of cycling tour business Tour de Vines, says you need your business to almost run itselfbefore you look at growth. The thing about working for an employer is that the business model is already set, it s about the execution of the idea, whereas a new business is about testing the idea first and developing the systems.

2. Add a personal touch.

Angus Askew, co-director of commercial asset financing company Magnolia Lane Financial Services, says: In our industry like most service industries everyone is essentially selling the same thing, you ve just got to do it better. Our number one goal when dealing with a new client is to establish a relationship and make them feel special. Make sure you are remembered. We make it our priority to see all of our customers face to face. Create a rapport as this is what will result in repeat business and an income stream for life.

3. Leverage social media.

A strong marketing strategy is essential in every industry, says Anthony Kittel, director of manufacturing firm REDARC. That means social networking on LinkedIn, Twitter, Instagram, Facebook or all of the above. Our brand is everything, so whatever we can do to promote that brand and consumer awareness is critical.

Author and Flying Solo editor Kelly Exeter says a less frantic life made her more productive.

4. Write your own business bible.

Matthew White, whose firm Ergoflex sells memory foam mattresses, says the volume of information available can be overwhelming. He recommends writing ideas and tips in a notebook or tablet as they come up. It has helped me make some major decisions, and also saved me hours of searching for something I ve read somewhere.

5. Focus on your specialty.

In the first few years, there can be a lot of pressure to diversify your offering, says Paris Cutler, director of cake decorating company Planet Cake. Stick to what you do best and do it better and with more focus than anyone else.

6. Outsource the things you don t do.

Resist the temptation to chase work outside your offering, and use a specialist to fill in any gaps, says Rhys Roberts from accountancy firm Viridity. I outsource my HR, my IT, much of my marketing and more. The time you free up you can spend doing what you are good at.

7. Aim high and be persistent.

Determination is one of the vital qualities needed when you start on the long road of setting up a small business. Rochelle Miller, co-founder of fashion retailer Another Love, says: Believe in yourself and your strengths. Don t take no for an answer. There will be bumps along the way, but everything has a solution or another option.

Consultant Andrew Griffiths thinks about ways to improve his business each day.

8. Embrace a life less frantic.

Kelly Exeter, author and editor of small business community Flying Solo says it s all about finding the right balance for you. I am learning that I don t just need physical space to thrive, I need mental space too.

9. Follow your own path.

Designer and illustrator Beci Orpin says she s not naturally business-minded, but has always worked really hard and built up a strong folio of work. My business is all about me: my style and what I create, so an important part of developing that was staying true to myself not worrying about what other people were doing.

10. Take time out to think about how to improve.

Use your best hour in the day to consider ways of moving forward, advises Andrew Griffiths, a small business author and consultant. He does this first thing every morning. Then, each Friday, I find a quiet place and ask myself a question: How is my business better this week than it was last week?

11. Harness your keystone habits .

Entrepreneur and blogger James Clear says we should find the one or two habits or routines that make everything else fall into place. Improving your lifestyle and becoming the type of person who has their act together isn t nearly as hard as you might think.

Life coach Kathryn Hocking researches what competitors are doing.

12. Practise mindfulness.

Freelance journalist and editor Jodie Macleod says it increases productivity, reduces stress and improves memory and focus. Mindfulness is when you are aware of your thoughts, feelings, sensations, breath and everything occurring in the present moment, without attaching judgment to those observations.

13. Every setback is a stepping stone to success.

Lucinda Lions from branding agency Slogan Creator says it s important to stay positive wherever possible, and see feedback, not failure. I remind myself tomorrow is a brand new day, a new opportunity to think differently and make better choices.

14. Hire from within your networks.

When Sarah Wilson from I Quit Sugarbegan feeling overwhelmed with work, she decided to get an assistant. She put a call out to her community, knowing taking someone on would involve sacrifice. Five years later, they still have a successful working relationship. Start out small and then leave the invitation open for expansion.

15. Keep it manageable.

Kate James, start-up coach at Total Balance, says it s important to remember that it s not all about non-stop growth bigger isn t better if you ve stopped enjoying what you do. You need to define your own version of success. Mine is that I need to love my business.

Sarah Wilson says you need to know when to ask for help. Source: Supplied

16. Know when to work for free.

Vanessa Emilio from Legal123, says sometimes working for free is worth it. Free doesn t mean offering an entire job or product for free. It could mean a free initial consultation, free component of a project or complimentary muffin with every coffee.

17. Stay excited and believe in your business.

SEO copywriter and consultant Kate Toon says start-ups should think about clients needs and possible issues and create rational responses to persuade them your business is the solution. Inject warmth, professionalism and even humour, where appropriate. Being human beats boring every time.

18. Learn to say no.

Recognise when a client has unrealistic expectations and nip it in the bud early, or consider referring them on, says author and media commentator Andrew Griffiths.

Try a formal, structured response and keep returning to it. Try, Thank you for the opportunity, but we are so heavily committed we can t give your project the time and attention it needs.

If you re on a tight marketing budget, think about how you can trigger word-of-mouth interest. Warren Harmer of The Business Plan Company mentions a small florist that did this brilliantly by 1) Offering quality; 2) Providing value; 3) Inspiring team members to love their job and clients and 4) Creating a physical environment that excited their market.

20. Turn competition into inspiration.

Life coach Kathryn Hocking suggests you research what competitors are doing to help identify what makes you unique. Your relationship doesn t have to be adversarial: they could be a mentor, partner or friend. Focus on your own purpose and connect with peers that have similar values and who inspire you to greater levels of success.

21. Know when to take a dream detour .

Sometimes it s hard to know whether to grab a fresh opportunity or stick to your path. Business mentor Lynda Bayada says you need to outsmart your head so you can listen to your heart. Give yourself space and trust yourself. And you ll find that s half the battle won.





6 Business Icons Who Made TIME Person of the Year #business #loans

#business icons

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TIME has dedicated one issue to the “Person of the Year. ” The award, which is “bestowed to those who have, for good or for ill, most influenced the news and our lives in the past year,” has gone to politicians, scientists, humanitarians and entrepreneurs. Click through to see the business icons who have graced the magazine’s famous cover over the years.

1928 – Walter Chrysler

Before starting what would become one of the largest automotive manufacturers in the United States, Walter Chrysler worked as a railroad mechanic and locomotive machinist in West Texas. After serving as the head of Buick for three years, Chrysler was tapped to turn around the failing Willys-Overland Motor Company in Flint, Michigan. The now defunct company would become the automaker known today as Chrysler. Two years after being awarded Person of the Year, Chrysler financed the construction of the Chrysler Building in New York City, all with his personal fortune. The building stood as the tallest in the world for 11 months, when the Empire State Building surpassed it. Upon his death in 1938, Chrysler’s estate was worth roughly $8.9 million dollars – almost $150 million by today’s standards.

1955 – Harlow Curtis

In 1914, Harlow Curtis, the son of a fruit vendor in rural Michigan, responded to a newspaper ad for a bookkeeper position at the AC Spark Plug Company in Flint, Michigan. Following 15 years of service at AC, Curtis was named president of the spark plug company. According to GM’s online history portal. Curtis worked his way up the Detroit-ranks, landed a position at Buick and eventually became president of the highly profitable GM branch. In 1953, Curtis was named president of General Motors, and at his helm became the first American company to reach $1 billion in profits. A year later, TIME named Curtis “Man of the Year” in recognition of this achievement.

1991 – Ted Turner

Now a household name and waiting room fixture nationwide, CNN had plenty of skeptics when Ted Turner launched the first 24-hour news network in 1980. Built on the foundations Turner had put into place as the head of his father’s advertising firm and as the owner of the Atlanta Hawks basketball team, Turner changed news from a once-daily occurrence to a never-ending cycle. As of 2010, CNN was streaming to 100 million American households and another 98 million satellite subscribers throughout the world. Turner is worth $2.2 billion, according to Forbes . making him one of the wealthiest men in the country. The wealthy conglomerate extends beyond media, too. Ted’s Montana Grill serves up western-inspired food sourced from Turner’s bison located on ranches throughout the west and abroad.

1997 – Andrew Grove

As he proclaims in his book, “Only the paranoid survive.” This is the driving principle that has made Andrew Grove so insanely successful. Born in Hungary, Grove escaped communism to finish his education, earning a Bachelor of Science degree in chemical engineering from City College of New York and a Ph. D. from the University of California, Berkeley. Grove was a pioneer the burgeoning semi-conductor industry. Once at the helm of Intel, Grove revolutionized the company into the highest valued computer chip maker in the world today. Under Groves leadership, Intel saw an increase in revenue from $1.9 million in 1987 to an astonishing $26.27 billion in 1998. Steve Jobs idolized Grove, seeking his advice when considering a return to Apple as CEO. In 1997, a year before Grove relinquished his title of CEO, Grove was awarded “Person of the Year ” on the 50th anniversary of the invention of the transistor.

1999 – Jeff Bezos

The e-commerce pioneer is most well known for his establishment of Amazon as an Internet commerce icon. Originally a source for books, Amazon had expanded to almost everything by 1999 when Jeff Bezos was awarded “Person of the Year.” Born to a teenage mother, Bezos was technologically adept from a young age, tinkering in his parents’ garage. In 2013, Amazon reported net revenue of $74.5 billion and employed over 132,000. Alexa, the domain ranking service, credits Amazon as the seventh most-visited website in the world. Since his recognition, Bezos has been up to quite a bit. In addition to his continued innovations at Amazon (did someone say drones ?), he acquired The Washington Post from longtime owners, the Graham family. Bezos is betting on his knack for web innovation to bring the publication into the digital age.

2010 – Mark Zuckerberg

The same year as he was hailed as TIME’s “Person of the Year “, The Social Network film sealed Mark Zuckerberg ‘s place as an American demagogue, next to the likes of Steve Jobs and others. In a Harvard dorm room, Zuckerberg and friends created what would become Facebook. The website spawned an entire social networking industry. Facebook’s massive $5 billion IPO, the third largest in history, would increase Zuckerberg’s wealth to about $33.1 billion, according to Forbes . making him No. 16 on the list of wealthiest Americans. His wealth makes him part of an elite club – one of three people with more billions than they have years of age. As of September, Facebook boasted 864 million daily active users .





Business Development – What does it mean? Who is it for? #business

#business development

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Business Development – What does it mean? Who is it for? Mark Kershaw

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End of the line for Priceline s Name Your Own Price airfares George Hobica

Five months into my #Helen4SG campaign Helen Clark Участник Influencer

The Stereotype-Defying MBAs in the Class of 2018 John A. Byrne Участник Influencer

Ireland appeals $14.5 billion Apple Tax ruling; Gatorade wants a piece of the organic action; And more news John C Abell

Let the Engineers Hire Their Scrum Master Stefan Wolpers

This Week s #Winners and #Losers Ian Bremmer Участник Influencer

Resilience is More Than a Buzzword Diane Regas

Accounting: Making change happen Geni Whitehouse Участник Influencer

Business Development – What does it mean? Who is it for?

Is it the same for everyone?

Having now worked in a number of roles that you might consider as business development (BD), I thought I’d start my publishing journey on LinkedIn (this is my first post) with a bit of reflection.

I often get asked what the difference between straight selling and BD is, so I thought I’d try and define the differences (for my own sake, if nothing more!).

To some degree, they’re different sides of the same coin.

Selling and BD go hand in hand.

I’ve been in roles where I’ve been strictly selling, others where there is a combination of sales and BD, and also in roles that I would consider true and pure BD.

In all, however, I’ve had some link to what would be considered BD within that particular business.

So the answer to the header title is no, I think; BD is different for everyone and every business, dependent on a number of factors – budget, size of workforce, attitude to BD, etc.

What is ‘true and pure’ BD?

The sales process is one that involves a lot of people – product development, designers, pricing, marketing, technical, management – ‘front-line’ salesmen and ‘top-end’ management need to combine forces to deliver a product that their customers want.

If you walk into a shop to buy a pair of trainers, for example, this has been designed from the early stages by trained footwear designers, manufactured from these designs in a production process of sorts (industrial or bespoke, depending on the brand), marketed in the appropriate manner to raise awareness of the product, eventually landing on the shelves of the shop you’re in, with a friendly guy/gal willing to help you transact some business when you make the decision to buy them.

So where does BD fit into this process? What’s it all about then?

I think the foremost word that comes up in the BD world is ‘relationships’.

That’s pretty much what it’s all about.

Good business development will help identify, maintain and encourage relationship building within a firm, building rapport with both suppliers and customers.

It helps strengthen the bonds between these links, supporting the marketing copy and material that establishes your product in the relevant marketplace.

It helps provide information as to what the client needs to the ‘front line’ sales team, assisting them in closing the deal at the end of the process.

It helps inform management as to how the market is moving, providing insights into new developments of technology, social media and other digital avenues that the firm can take advantage of, to build and maintain loyalty.

It helps small companies access bigger markets and large companies engage newcomers.

So my definition of ‘true and pure’ BD is ‘helping a business to develop its relationships’.

Plain and simple.

It’s networking on a daily basis; attending cutting-edge events to learn about the industry you’re working in; finding (er. stalking?) people on LinkedIn to see what events they’re attending and making sure you meet them there, in person, so that you can have that all important introductory chat; it’s offering your loyal customers something more than a newsletter – why not run a seminar and invite them along to it? They might be happy to be invited.

The personal touch is always a winner.

We hear more and more now about relationships marketing, social currency, engagement, etc.

BD is the platform that most of this is built on.

As I’ve mentioned before, I’ve worked in roles that have been classed as BD but have really been sales. I’ve worked in hybrid roles where you might do a bit of both. And I’ve worked in the ‘true and pure’ BD roles to.

What this has shown me is that BD has a place in every business. You can’t ‘develop’ your business without a good BD strategy.

So whether you’re encouraging your front-line staff to sign up to a few newsletters, or get yourself down to a few networking events, or join a LinkedIn group and start up a discussion, BD is something that can’t be overlooked.

It’s all very well to have a great product and a nicely designed website, with some great leaflets and a slick business card but, without the right approach to BD, no one is going to see it in the way you want to.

Having worked as a supplier to a lot of startups and growing SMEs, the one thing that I’ve noticed which has set apart the successes from the failures is their approach to BD.

Develop the relationships – build a community around your business and your product just needs to do what it says on the tin. The rest will fall into place and you’ll have a strong, loyal customer base who are happy to sing your praises.

For that reason alone, if nothing else, BD is essential for pretty much any business going.

That’s my opinion anyway, although I may be a bit bias, of course.





Small business: 21 tips from entrepreneurs who are killing it #business #first

#small business tips

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21 tips from small businesses that are killing it

STARTING a small business is a dream for many Australians, but it can be daunting.

Here, entrepreneurs who are killing it in a range of industries share their best piece of advice for making your company a success.

1. Deliver a consistent customer experience.

Damian Cerini, owner of cycling tour business Tour de Vines, says you need your business to almost run itselfbefore you look at growth. The thing about working for an employer is that the business model is already set, it s about the execution of the idea, whereas a new business is about testing the idea first and developing the systems.

2. Add a personal touch.

Angus Askew, co-director of commercial asset financing company Magnolia Lane Financial Services, says: In our industry like most service industries everyone is essentially selling the same thing, you ve just got to do it better. Our number one goal when dealing with a new client is to establish a relationship and make them feel special. Make sure you are remembered. We make it our priority to see all of our customers face to face. Create a rapport as this is what will result in repeat business and an income stream for life.

3. Leverage social media.

A strong marketing strategy is essential in every industry, says Anthony Kittel, director of manufacturing firm REDARC. That means social networking on LinkedIn, Twitter, Instagram, Facebook or all of the above. Our brand is everything, so whatever we can do to promote that brand and consumer awareness is critical.

Author and Flying Solo editor Kelly Exeter says a less frantic life made her more productive.

4. Write your own business bible.

Matthew White, whose firm Ergoflex sells memory foam mattresses, says the volume of information available can be overwhelming. He recommends writing ideas and tips in a notebook or tablet as they come up. It has helped me make some major decisions, and also saved me hours of searching for something I ve read somewhere.

5. Focus on your specialty.

In the first few years, there can be a lot of pressure to diversify your offering, says Paris Cutler, director of cake decorating company Planet Cake. Stick to what you do best and do it better and with more focus than anyone else.

6. Outsource the things you don t do.

Resist the temptation to chase work outside your offering, and use a specialist to fill in any gaps, says Rhys Roberts from accountancy firm Viridity. I outsource my HR, my IT, much of my marketing and more. The time you free up you can spend doing what you are good at.

7. Aim high and be persistent.

Determination is one of the vital qualities needed when you start on the long road of setting up a small business. Rochelle Miller, co-founder of fashion retailer Another Love, says: Believe in yourself and your strengths. Don t take no for an answer. There will be bumps along the way, but everything has a solution or another option.

Consultant Andrew Griffiths thinks about ways to improve his business each day.

8. Embrace a life less frantic.

Kelly Exeter, author and editor of small business community Flying Solo says it s all about finding the right balance for you. I am learning that I don t just need physical space to thrive, I need mental space too.

9. Follow your own path.

Designer and illustrator Beci Orpin says she s not naturally business-minded, but has always worked really hard and built up a strong folio of work. My business is all about me: my style and what I create, so an important part of developing that was staying true to myself not worrying about what other people were doing.

10. Take time out to think about how to improve.

Use your best hour in the day to consider ways of moving forward, advises Andrew Griffiths, a small business author and consultant. He does this first thing every morning. Then, each Friday, I find a quiet place and ask myself a question: How is my business better this week than it was last week?

11. Harness your keystone habits .

Entrepreneur and blogger James Clear says we should find the one or two habits or routines that make everything else fall into place. Improving your lifestyle and becoming the type of person who has their act together isn t nearly as hard as you might think.

Life coach Kathryn Hocking researches what competitors are doing.

12. Practise mindfulness.

Freelance journalist and editor Jodie Macleod says it increases productivity, reduces stress and improves memory and focus. Mindfulness is when you are aware of your thoughts, feelings, sensations, breath and everything occurring in the present moment, without attaching judgment to those observations.

13. Every setback is a stepping stone to success.

Lucinda Lions from branding agency Slogan Creator says it s important to stay positive wherever possible, and see feedback, not failure. I remind myself tomorrow is a brand new day, a new opportunity to think differently and make better choices.

14. Hire from within your networks.

When Sarah Wilson from I Quit Sugarbegan feeling overwhelmed with work, she decided to get an assistant. She put a call out to her community, knowing taking someone on would involve sacrifice. Five years later, they still have a successful working relationship. Start out small and then leave the invitation open for expansion.

15. Keep it manageable.

Kate James, start-up coach at Total Balance, says it s important to remember that it s not all about non-stop growth bigger isn t better if you ve stopped enjoying what you do. You need to define your own version of success. Mine is that I need to love my business.

Sarah Wilson says you need to know when to ask for help. Source: Supplied

16. Know when to work for free.

Vanessa Emilio from Legal123, says sometimes working for free is worth it. Free doesn t mean offering an entire job or product for free. It could mean a free initial consultation, free component of a project or complimentary muffin with every coffee.

17. Stay excited and believe in your business.

SEO copywriter and consultant Kate Toon says start-ups should think about clients needs and possible issues and create rational responses to persuade them your business is the solution. Inject warmth, professionalism and even humour, where appropriate. Being human beats boring every time.

18. Learn to say no.

Recognise when a client has unrealistic expectations and nip it in the bud early, or consider referring them on, says author and media commentator Andrew Griffiths.

Try a formal, structured response and keep returning to it. Try, Thank you for the opportunity, but we are so heavily committed we can t give your project the time and attention it needs.

If you re on a tight marketing budget, think about how you can trigger word-of-mouth interest. Warren Harmer of The Business Plan Company mentions a small florist that did this brilliantly by 1) Offering quality; 2) Providing value; 3) Inspiring team members to love their job and clients and 4) Creating a physical environment that excited their market.

20. Turn competition into inspiration.

Life coach Kathryn Hocking suggests you research what competitors are doing to help identify what makes you unique. Your relationship doesn t have to be adversarial: they could be a mentor, partner or friend. Focus on your own purpose and connect with peers that have similar values and who inspire you to greater levels of success.

21. Know when to take a dream detour .

Sometimes it s hard to know whether to grab a fresh opportunity or stick to your path. Business mentor Lynda Bayada says you need to outsmart your head so you can listen to your heart. Give yourself space and trust yourself. And you ll find that s half the battle won.





About Sumy Designs – Who We Are and What We Do –

#business website design

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Who We are and What We Do

We are Sumy Designs, LLC. Our business is based in West Lafayette, Indiana.

Our History: Sumy Designs was created by two sisters, Susan Sullivan and Amy Masson in 2006. Susan had been working as an advertising and marketing director with a large publishing firm while Amy had been teaching computer technology. After leaving those respective career paths, a friend asked if we’d like to make a website for her. We said yes. A friend of this friend saw that website and asked us to make a website for her. We said yes. And so and so forth and now we have created many, many sites for many happy clients across the US, Canada, and England.

Susan is our designer, in charge of all things creative and beautiful. She has the vision and skills it takes to create custom masterpieces for every project.

Amy is our resident technical expert, with the skills to make every website function as it should.

Interesting fact: While the business is based in West Lafayette, Susan lives in the Dallas Forth Worth area. We work together virtually, via email and video chat, to seamlessly design, manage, and maintain projects of all sizes.

Where’d you come up with the name Sumy? It’s a combination of our first names. SU san and aMY.

Our Support Team

While Amy does the behind the scenes work and Susan does the design, there are a lot of other areas that need attention, so we have recruited a team of fabulous people to work with us to bring these jobs to completion. Being a virtual business, we are able to employ people from all over the country to work with us.





Earnest Student Loan Refinancing Review, who refinances car loans.#Who #refinances #car #loans


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Earnest Student Loan Refinancing Review

Who refinances car loans

With its broad qualification criteria and customizable repayment options, Earnest’s student loan refinancing is particularly appealing for people with short credit histories and entry-level incomes.

Like many student loan refinance lenders, Earnest offers student loan refinancing for borrowers with loans from undergraduate or graduate degrees, and for parents who took out federal PLUS loans to pay for their child’s education.

Who refinances car loans

AT A GLANCE

  • Fixed rates: 3.35% to 6.39% APR. Variable rates: 2.81% to 6.19% APR.
  • Available loan terms: Personalized terms between 5 and 20 years (180 options total)
  • Eligible loan balances: $5,000 to $500,000

Note: Once you refinance a federal student loan, you lose access to federal loan perks including income-driven repayment and loan forgiveness programs. Weigh this trade-off carefully.

Do you qualify?

In addition to the qualifications above, borrowers must be employed, have a written offer for a job that starts within six months or have another source of income to comfortably afford the loan payments.

Most Earnest clients have a history of making on-time payments, don’t regularly incur late, overdraft or insufficient funds fees, and don’t have recent bankruptcies or accounts in collections.

Where Earnest shines

Borrowers can customize their interest rate and loan term: Earnest’s unique Precision Pricing model gives borrowers more flexibility than is available with other lenders. Borrowers can select the exact amount they want to pay each month and Earnest adjusts their loan term and interest rate accordingly.

Various flexible repayment options: Earnest gives borrowers the option to:

  • Make biweekly payments to lower the total interest paid over time
  • Extend a payment due date up to seven days
  • Skip a payment once every 12 months after they’ve made consecutive on-time payments for six months
  • Switch between fixed and variable interest rates once every six months after making at least six months of consecutive on-time payments

Services loans in-house: Earnest is one of the only lenders that collects and manages payments itself; most other lenders hire third-party servicers to do this work. So, if you have any questions about your loan, you can contact the company directly via phone, email, text or an online chat feature, instead of tracking down an outside loan servicing company.

Where Earnest falls short

Borrowers can’t apply with a co-signer: Earnest is one of the only lenders that doesn’t allow borrowers to apply with a co-signer. Most other student loan refinance lenders encourage borrowers to apply with co-signers to potentially qualify for a lower rate.

Only available in 44 states and Washington, D.C.: Earnest isn’t available to borrowers in six states: Alabama, Delaware, Kentucky, Mississippi, Nevada and Rhode Island. Residents should consider one of the many other student loan refinancing lenders that serve borrowers in those states.

Loan details

Fees: No origination or prepayment fees.

Deferment and forbearance: Borrowers may be able to defer payments while pursuing a graduate degree, or serving in the military or Peace Corps. Forbearance is available to borrowers who involuntarily lose their job or have an increase in nondiscretionary spending, such as medical costs or child care.

Next steps

It’s smart to compare several refinance lenders before choosing one. If you’re sold on Earnest, you can apply directly on the lender’s site. The lender will do a soft credit pull, which won’t hurt your credit score, to give you a rate estimate. Then, like all lenders, Earnest will do a hard credit pull when you submit your full application.

You’ll need to do the following when you apply:


Which Company Offers the Cheapest Home Insurance in New Jersey? #who #offers


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Which Company Offers the Cheapest Home Insurance in New Jersey?

There is no one answer here, as companies offer policies with different levels of coverage. The key to finding the best deals is learning how to comparison-shop effectively. When you learn the secrets of comparison-shopping, you’ll be primed to make the most of your next policy, in terms of finding adequate coverage for a great price.

To help you find the cheapest home insurance in New Jersey. you’ll need to visit different companies, after determining the reputability of these firms.

Then, you’ll need to investigate their policy options and compare prices for premiums. This three-step process will save you time and energy. While you’ll need to do a little homework and research, you’ll find that doing this homework and research gives you the power to pay less for a good policy.

First off, you need to know that you’ll be buying from a carrier with an excellent reputation. There are plenty of firms which offer the cheapest coverage. Finding two or three good ones will be a superb way to get started.

So, look up companies online, make sure that they offer policies to New Jersey residents and then find out what other policyholders have to say about these firms. The companies which get great reviews should be on your short list.

Check Out Policy Options

Policy options are available at official websites. Most firms will offer a variety of policies, because they know that their customers come from all walks of life and have different needs.

If you know for sure that you can’t spend a lot of money, be sure to check out basic policies at a few different companies. These types of policies won’t have all of the bells and whistles. However, they should provide a decent level of protection. If you have a bit more to spend, look at the next-highest level of coverage, which is a medium level of coverage.

If you want the best protection, look at the most comprehensive New Jersey home insurance policies. If you’re not sure how much you can spend, using quote generators will help a lot. These handy calculators are available at most larger company websites. Just plug in required information in order to get an estimate for a preferred policy. It’s best to collect as many quotes as you can, from different companies.

Then, compare these quotes side by side in order to find the cheapest policies. As long as you collect quotes for policies which are a lot alike, you’ll be able to find a good deal and you won’t need to sacrifice the coverage features that you want.

Apply for a Policy Online

These days, there is really no need to use fax machines or snail mail in order to apply for coverage. You should be able to take care of this vital task online, with a mind to streamlining the application process. Most companies allow their customers to apply online and this process usually takes just a few minutes. It’s a great way to save time when looking for the cheapest home insurance in New Jersey and enjoy convenience.

If your application is approved, you’ll receive an email with further instructions. In some cases, you’ll need to speak to a representative or do an electronic chat with one. It’s possible that you’ll need to send in some paperwork at some point. However, the process varies from provider to provider…

Once you’ve applied, relax and wait for an answer. Companies want your business, so they shouldn’t keep you waiting for too long!

After your policy is approved, you’ll need to pay for it and payment plans will vary. For example, you may be able to pay for a year in advance, or pay monthly. It’s smart to check out payment options before you buy. Make sure that these payment options will suit your needs.

Look for Home Insurance Today

You deserve great coverage which is affordable. It is out there, although you’ll probably need to devote an hour or two to finding it. Our tips are designed to make the whole process easier. By following our helpful instructions, you’ll be able to find affordable coverage without leaving your own home. You won’t need to make appointments with agents or deal with endless phone calls or faxing.

These days, companies make it so easy for customers. So, why not take advantage of online application services, quote generators and other relevant services? They are the key to unlocking value for a new policy.

Sometimes, it’s wise to buy a higher level of coverage if you can make it work with your budget. Things will go wrong with our homes (these issues are not always predictable) and it’s nice to know that coverage will be there if there is a problem. So, keep this in mind as you shop around for coverage.

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11 Factors That Affect Car Insurance Rates – How to Lower Your


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11 Factors That Affect Car Insurance Rates How to Lower Your Costs

When shopping for car insurance. it can be tempting to reduce your rates by choosing lower amounts of coverage or by raising your deductibles. These are, of course, the two most obvious factors that affect the cost of your auto insurance.

You may not realize it, but your overall rate is also affected by many more different factors some of which you can control, and many of which you cannot. However, knowing what affects your rate can help you make a more informed decision when purchasing insurance, and can help you know exactly what to do to lower your expenses.

Demographic Factors

Your gender, age, marital status, geographical location, and credit score all affect your insurance rates in different ways.

1. Gender and Age
Young men usually incur higher rates than young women as statistically, more male teenagers have accidents than female teenagers. However, older men generally have better rates than older women. Some evidence suggests that older women are in more minor accidents than older men though the difference in premium costs usually isn t drastic.

2. Marital Status
Married people tend to have fewer accidents than single people; therefore, getting married (especially for men) can significantly lower your rate. How much your rate decreases depends on your previous driving history if you are a man who has never been in an accident and has a clean driving record, you could see your rates nearly halved.

3. Where You Live
Because most traffic accidents occur close to home, the area you live in greatly affects your rates. More densely populated neighborhoods with more cars mean you are at a higher risk of accidents, theft, and collisions with injuries.

Repairing your car also costs more in some areas, and some areas have higher rates of theft. Plus, in this economy, many urban areas with high unemployment rates have a lot of uninsured drivers, as many people can t afford to insure their cars. Detroit and Philadelphia are two of the most expensive cities in which to insure a car, as they both have high traffic density and high rates of uninsured drivers.

4. Credit Score
Many insurance companies take your credit score into account when determining your rate. There is no specific point at which your credit score begins to affect your rate, but in general, lower scores mean higher insurance premiums.

5. Profession
Auto insurance companies may also make correlations between a person s risk of accident and their profession, and they can adjust your premium accordingly if they think you re more likely to get in an accident. For example, delivery drivers and journalists are on the road constantly, and thus are more likely to be in an accident, whereas airline pilots often just drive between the airport and home, and don t spend much time on the road. Others, such as police officers, paramedics, nuns, and insurance underwriters, often receive a good rate, as they are seen to be more careful than the average driver.

Car-Related Factors

The car you drive significantly affects your rate, since some cars are more likely to be stolen, lack safety features that prevent accidents, or cost more to repair.

6. Safety Rating
Owning a vehicle with a high safety rating means there is a lower chance of needing to pay for your or your passengers medical bills therefore, your rate will be lower. Owning a car with a lower safety rating, however, will usually result in a higher cost.

The safety rating is based on several factors, including the likelihood of the car s owner getting into an accident, and also how likely a passenger is to be injured in an accident. Safety features such as airbags, automatic seat belts, and traction control help make your car safer, which makes you less likely to get in an accident, as well as making it less dangerous.

7. Vehicle Size
Larger cars are generally safer than smaller cars in an accident. Therefore, many larger cars with good safety ratings have lower premiums than smaller cars with otherwise similar ratings. However, cars with larger engines relative to body size tend to have higher rates for instance, insurance for a sports car with a V8 engine costs much more than a small car with a V4 engine.

8. Age of the Car
Though the repair costs of an older vehicle are similar to the costs of a newer vehicle, an older car is more likely to be totaled in an accident. This is because the cost of significant repairs needed for an older car can often be higher than the vehicle s entire worth. Therefore, it is likely that the owner would simply discard the vehicle and replace it, rather than paying for repairs.

Since the cost to replace a new car is much higher than to replace an old car, newer cars are not considered to be totaled as often, and generally have much higher collision coverage rates than older autos. The higher coverage translates to a higher premium for a newer car.

However, if your car is quite old, you could probably drop the collision coverage altogether and simply save the money to buy a replacement jalopy if you get in an accident .

9. Likelihood of Theft
Some cars are more attractive to thieves than others, and a car model that hits the top 10 most stolen list is likely to have higher rates than one that s not a likely target. But if you have a car alarm or other anti-theft features, this can lower the premium.

Personal Driving Habits

While the above items do influence your overall rate, the most important factor in determining your insurance costs is your personal driving record.

10. Driving History
If you have been in accidents, received any tickets, or made previous auto insurance claims. the insurance company has learned that you re more likely to make another claim than a similar driver who doesn t have any blemishes on their record. If your driving record is bad enough, some insurance companies will refuse to give you insurance at all.

Fortunately, these blemishes tend to become less important over time. So if you had some wild years with a few tickets or accidents in your past, making an effort to drive more slowly and carefully in order to avoid future problems can pay off in time. Most tickets and non-injury accidents stop affecting your rate after three years, and injury accidents generally do not affect your rate after five years. A DUI ticket can affect your premium for up to 10 years, however, and many companies won t insure someone with one.

11. Driving Activity
Some companies can alter your rate based on what you use your car for, the distance you drive, and where and when you drive. Business commuters usually put more miles on their car, and the more you re on the road, the more likely you are to get in an accident. You may be able to get a discount on your insurance if you don t drive the car much, or don t use it to commute to work. Plus, if you can keep your car in a secure location, such as a garage, it s less likely to incur damage, which lowers your rate further.

Final Word

Paying for car insurance is a major part of the cost of owning a car, so anything you can do to lower the rate is beneficial for your budget. Many insurance companies also offer additional discounts if you also purchase renter s insurance. homeowner s insurance. or other types of insurance as part of a bundle, or if you use alumni or fraternal group associations to get discounts.

What other tips do you recommend to reduce your auto insurance premium?

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Dallas Fort Worth DWI and Criminal Defense Lawyer, Richard C, who is


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Dallas DWI and Criminal Defense Lawyer

Charges for any criminal offense can be a frightening experience, regardless of the severity of the alleged crime. This is especially true for first-time offenders who have no familiarity with the Texas criminal justice system. Such people may feel alone and overwhelmed. The consequences for a criminal conviction can also be severe, impacting your future employment options and even lifestyle. However, it’s important to remember that an arrest doesn’t mean conviction, especially with the guidance of an experienced criminal defense lawyer in Dallas-Fort Worth.

DWI Defense Attorney Serving Dallas / Fort Worth | The Law Offices of Richard C. McConathy

The criminal defense attorneys at The Law Offices of Richard C. McConathy have protected the futures of men, women, and youths charged with misdemeanor, felony, and DUI in Dallas and the surrounding communities since 2002. They understand the techniques used by the prosecution, scientific weaknesses in evidence, deficiencies in investigative procedures, and other factors that can be used to your advantage. When you have so much at stake, it’s critical to work with a Dallas criminal defense attorney who has both the experience and perspective necessary to fight for the best outcome for your particular case.

Our attorneys confidently defend clients in a variety of criminal cases, both inside and outside the courtroom. This includes charges for possession of a controlled substance, trafficking, manufacturing, and other drug or narcotics offenses. Texas is not known for its leniency on drug offenders, even for something as common as a marijuana charge in Dallas. Because these charges can greatly impact your current or future employment options, it’s critical to work with a drug defense attorney as early in the process as possible.

The Law Offices of Richard C. McConathy understands every case is unique. Whether you are facing a charge of domestic violence in Dallas, assault charge in Irving, or any other alleged crime, our lawyers will give your case the highest levels of attention. Call (972) 233-5700 or contact us online to take the important first steps towards defending your future with a fierce advocate at your side.

Dallas DWI Lawyer Aggressive Defense When You need it Most

Arrests for DWI (driving while intoxicated, also known as DUI or driving under the influence) can be stressful and anxiety-inducing. It can be even more intimidating to face these charges alone. It’s important to remember that an arrest for DWI does not mean that you will be convicted or even lose your license, especially when aided by an experienced Dallas DWI defense attorney. The lawyers at The Law Offices of Richard C. McConathy have distinguished themselves with a high rate of trial success in cases ending in not guilty verdicts or dismissals. Their knowledge of the law and science behind impaired driving has helped people facing even the most serious of traffic crimes.

If you have been charged with DWI, you must request a hearing within 15 days of your arrest to prevent immediate suspension of your driver’s license. Whether you are facing your first DWI or this has happened before, the important thing is to take immediate action to preserve your rights and possibly your freedom. We encourage you to call or contact us online for a free confidential review of your case.

If you have been arrested for an alleged DWI or other criminal traffic offense in Dallas, Fort Worth, Irving, McKinney, Denton, or the surrounding communities, call (972) 233-5700. While we have helped thousands of people in DWI and criminal traffic offense situations, we understand that every case is unique. From the moment of your free consultation, we give you our full dedication and assistance, spending the time to truly understand each aspect of your arrest.

Benefits of our Representation

  • DWI Defense, 91% Success Rate Since 2002 on Cases Announced Ready For Trial.
  • Over 45 years of combined trial experience with DWI cases.
  • Central office in Dallas and other convenient locations in Carrolton, Irving, Balch Springs, Allen, Fort Worth, Arlington, Plano, Lewisville, and Denton.
  • At The Law Offices of Richard C. McConathy, you will receive the experience and energy of a skilled legal team.
  • You will have the experience of a former Dallas County felony prosecutor on Staff.
  • You will have the experience of a former City of Addison Police officer on call.
  • We approach each case aggressively, regardless of whether you plea bargain or proceed with a jury trial.
  • We do not use a “one size fits all approach.” Instead, we specifically create a defense around the facts surrounding your specific case.
  • If your case is in Dallas county, we will appear for you at your first setting so you don’t miss work.
  • Your first consultation is free and will give you an in-depth review of your case and strategy a three hundred dollar value.
  • We assist with every aspect of your case, including license related issues.
  • We allow credit terms and provide flexible payment plans.
  • We accept Visa and MasterCard.

Comprehensive Misdemeanor and Felony Defense

After an arrest, you may have several appearances and hearings to face, aside from trial. It is in your best interest to retain the services of an attorney as early after your arrest as possible to assist you during these procedural steps. An experienced Texas criminal defense attorney can even be an asset during any questioning by law enforcement officers by protecting your constitutional rights and helping you to avoid self-incrimination. You can rest assured that we will stand as your fierce advocate during questioning, arraignment, bail bond hearings, pre-trial motions, administrative license suspension hearings, trial, and beyond.

Proudly Serving the Dallas-Fort Worth-Arlington Metropolitan Area

For nearly a decade, our attorneys have worked tirelessly to protect the futures of North Texas residents who have been charged with theft, assault, sexual offenses, property crime, firearm/weapon offenses, and juvenile crime in Dallas and throughout the surrounding areas. While our law firm has grown, we remain committed to providing the highest levels of dedication and service to all of our clients. We owe our reputation to clients who have put their trust in our abilities to defend their livelihoods.

North Texas is an especially vibrant area, home to world-famous sports teams, fine universities, and a thriving business structure. We represent clients throughout Dallas County, Denton County, Collin County, and Tarrant County. To accommodate such a diverse and widespread area, our law firm has several other locations available by appointment. These offices are located in Carrolton, Irving, Allen, Fort Worth, Arlington, Plano, Lewisville, Denton, and Balch Springs. Click here for more information on our other locations.


OHosti – Best Free Unlimited Hosting cPanel – Powerful Unlimited Free Reseller


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With our OHosti VPS, you get an entire server. This is optimal for people that have very high traffic to their websites or need to setup their server in a very specific way. Not everyone needs to have a fully dedicated web server however. If you’re just getting started with your website, you can save quite a bit of money if you get a free small portion of the server. Shared hosting is when you share a portion of the server with other users rather than rent an entire server to yourself. If you are considering a dedicated server and are unsure if it is right for you, perhaps you will need to get Free VPS Hosting.

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OHosti – Best Free Unlimited Hosting cPanel – Powerful Unlimited Free Reseller


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OHosti Powerful Features!

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Flexible, Easy to Use Control Panel . Unlimited Bandwidth. Unlimited Sub Domains, FTP Accounts, and Email Accounts. 99.9% Uptime Guarantee Build your website using the latest languages including PHP, Ruby, PERL, Python, PostgreSQL, MySQL and more. We also provide SSH access on all Business Hosting plans and have enabled WP-CLI for easy WordPress management.

Why is Our Free VPS Hosting different than Shared and Dedicated?

With our OHosti VPS, you get an entire server. This is optimal for people that have very high traffic to their websites or need to setup their server in a very specific way. Not everyone needs to have a fully dedicated web server however. If you’re just getting started with your website, you can save quite a bit of money if you get a free small portion of the server. Shared hosting is when you share a portion of the server with other users rather than rent an entire server to yourself. If you are considering a dedicated server and are unsure if it is right for you, perhaps you will need to get Free VPS Hosting.

What is our free reseller hosting included?

Everything you need to get started is included in our Reseller packages for a single, no price (free) :

Free cPanel:
Unlike other hosting companies, we never charge you or your clients a fee to manage the content and setup of their websites. cPanel makes that easy.

Free Domains Resales:
Not only can you sell web hosting, our Reseller Program also gives you the ability to sell domain names.

IMAP, POP, SMTP Email:
We offer a variety of email protocols, meaning your clients can check emails anywhere, on any device, easily.

Free Backups and Installers:
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Frequently Asked Questions?

Why is it all free on OHosti? How do you earn?

We’ve been providing leading free cPanel hosting services with No Ads. All this is made possible by our Paid Dedicated Servers services, including upgrades for those who need more room for growth, as well as donations from our community of users.

How long will your hosting be free?

Forever! We have provided Paid Servers services since 2010 and we have been in free hosting business since 2009.

What are your guarantees?

1. Our hosting will always be 100% free!

2. We own all our servers and locate them in high quality data centers, so no one can shut down or reload any server with your data.

3. We utilise dedicated connections to ensure we can provide enough bandwidth for all our users.

Free Domain Name Privacy

Did you know that whenever a domain name is registered, The Internet Corporation for Assigned Names and Numbers (ICANN) requires your personal information be published in the WHOIS database? This includes your mailing address, phone number and email address!

With Domain Privacy Protection from OHosti Hosting we will make our information available to the public instead of yours. This can help protect you from potential spammers, telemarketers and even identity thieves. This wouldn’t cost you any thing only $0.00 annually! (Fully Free). Otherwise we would have to use the information we currently have on file for your account.

Your name will remain as the registrant contact so that you retain complete ownership of the domain.

You can register a free .com. net. org. tk. ml. ga. cf. gq (including Special Domains).

Domain Privacy Protection is available with all hosting accounts, including shared hosting, vps hosting, and our dedicated servers.

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How to Fix a Leaking Toilet #who #fixes #toilets


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How to Fix a Leaking Toilet

Inspect the Float and Inlet Valve

Take a look inside the tank. If the water level rises above the overflow tube, the problem may be with the float or the inlet valve on the ballcock. Remember that the float rises with the level of the water and tells the inlet valve when to shut off the flow. If this mechanism doesn’t work properly, the water keeps rising until it spills through the overflow tube and into the bowl (Image 1). To check the inlet valve, flush the toilet and, as the water rises, gently lift the rod that holds the float (Image 2) until you hear the water stop. If the water stops, the inlet valve is OK, and the problem is caused by the float.

Step 2

screw on ballcock allows float level adjustment

Adjust the Float

A screw at the top of the ballcock allows you to adjust the level of the float. With this adjustment, you should be able to reduce the level to which the water rises in the tank. If the adjustment fails to stop water from running into the overflow tube, the problem may be with the float itself. For instance, if the float has a hole in it and lies too low in the water, it never rises enough to trip the inlet valve. Check to see whether the float needs replacing. A new rod and float are easy to replace and cost only a few dollars.

Step 3

Turn Off the Water

If you test the inlet valve as described above and the water doesn’t stop, the problem is with the ballcock itself. Though it’s possible to repair a broken ballcock, it’s usually best to replace the whole assembly:

After turning off the water at the shutoff valve, flush the toilet and hold down the handle to remove most of the water from the tank. Remove the excess water at the bottom of the tank with a sponge.

Step 4

Replace the Assembly

Remove the supply line that connects to the bottom of the ballcock at the base of the tank (Image 1). Use slip-joint pliers to remove the nut securing the ballcock to the tank.

Pushing up from the bottom, lift out the assembly (Image 2).

Drop the new ballcock assembly into place. Thread on a new nut from underneath the tank, and tighten with slip-joint pliers. (Don’t overtighten the nut, or you could crack the tank.) Reattach the supply line.

Inside the tank, clip the new refill tube in place (Image 3). Turn the water on at the shutoff.

Step 5

Test the Flapper

If you’ve checked the water level in the tank and it’s not rising above the overflow tube but you still hear or see water leak into the bowl, the second possible source of the leak is around the flapper. Testing for this is simple: turn off the water supply at the shutoff valve, then wait to see whether the level in the tank drops. If it drops noticeably after about 15 minutes, the problem could be a flapper chain that’s too tight, preventing the flapper from dropping all the way into the seat, or a leak in the flapper.

Step 6


FACT CHECK: All Facebook Posts to Be Made Public? #all #your #posts


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All Facebook Posts to Be Made Public?

EXAMPLES

Collected via e-mail, June 2016

All your posts can become public tommorow. Even the messages that have been deleted or the photos not allowed. After all, it does not cost anything for a simple copy and paste.

Better safe than sorry is right. Channel 13 News was just talking about this change in Facebook s privacy policy. Better safe than sorry.

I do not give Facebook or any entities associated with Facebook permission to use my pictures, information, messages or posts, both past and future. By this statement, I give notice to Facebook it is strictly forbidden to disclose, copy, distribute, or take any other action against me based on this profile and/or its contents. The content of this profile is private and confidential information. The violation of privacy can be punished by law (UCC 1-308- 1 1 308-103 and the Rome Statute).

NOTE: Facebook is now a public entity. All members must post a note like this. If you prefer, you can copy and paste this version. If you do not publish a statement at least once it will be tactically allowing the use of your photos, as well as the information contained in the profile status updates. DO NOT SHARE. You MUST copy and paste

RATING

ORIGIN

Messages about protecting your copyright or privacy rights on Facebook by posting a particular legal notice to your Facebook wall are all variants of an item circulated several years ago positing that posting a similar notice on a web site would protect that site s operators from prosecution for piracy. In both cases the claims were erroneous, an expression of the mistaken belief the use of some simple legal talisman — knowing enough to ask the right question or post a pertinent disclaimer — will immunize one from some undesirable legal consequence. The law just doesn t work that way.

First off, the problem this ineffective solution supposedly addresses is a non-existent one: Facebook isn t claiming copyright to the personal information, photographs, and other material that their users are posting to the social network, nor have they announced any plans that would make all Facebook posts public (even previously deleted ones) regardless of a user s privacy settings):

In response to rumors about copyright issues that began circulating in November 2012 after Facebook announced they were considering revoking users rights to vote on proposed policy changes, the company issued a statement noting that:

There is a rumor circulating that Facebook is making a change related to ownership of users information or the content they post to the site. This is false. Anyone who uses Facebook owns and controls the content and information they post, as stated in our terms. They control how that content and information is shared. That is our policy, and it always has been. Click here to learn more: www.facebook.com/policies .

Similarly, ABC News reported:

[Users worried that] Facebook will own their photos or other media are posting [a frightful message] — unaware that it is a hoax. Here s the truth: Facebook doesn t own your media.

We have noticed some statements that suggest otherwise and we wanted to take a moment to remind you of the facts — when you post things like photos to Facebook, we do not own them, Facebook spokesman Andrew Noyes said in a statement. Under our terms you grant Facebook permission to use, distribute, and share the things you post, subject to the terms and applicable privacy settings.

Brad Shear, a Washington-area attorney and blogger who is an expert on social media, said the message [that Facebook users are posting to their walls is] misleading and not true. He said that when you agree to Facebook s terms of use you provide Facebook a non-exclusive, transferable, royalty-free, worldwide license to use any content you post. You do not need to make any declarations about copyright issues since the law already protects you. The privacy declaration [in this message] is worthless and does not mean anything.

In any case, Facebook users cannot retroactively negate any of the privacy or copyright terms they agreed to when they signed up for their accounts, nor can they unilaterally alter or contradict any new privacy or copyright terms instituted by Facebook, simply by posting a contrary legal notice on their Facebook walls. Moreover, the fact that Facebook is now a publicly traded company (i.e. a company that has issued stocks which are traded on the open market) or an open capital entity has nothing to do with copyright protection or privacy rights. Any copyright or privacy agreements users of Facebook have entered into with that company prior to its becoming a publicly traded company or changing its policies remain in effect: they are neither diminished nor enhanced by Facebook s public status.

Before you can use Facebook, you must indicate your acceptance of that social network s legal terms. which includes its privacy policy and its terms and policies. You can neither alter your acceptance of that agreement nor restrict the rights of entities who are not parties to that agreement simply by posting a notice to your Facebook account, citing the Uniform Commercial Code (UCC ), or referencing the Berne Convention. (One of the common legal talismans referenced above is UCC Section 1-308, which has long been popular among conspiracy buffs who incorrectly maintain that citing it above your signature on an instrument will confer upon you the ability to invoke extraordinary legal rights.)

If you do not agree with Facebook s stated policies, you have several options:

  • Decline to sign up for a Facebook account.
  • Bilaterally negotiate a modified policy with Facebook.
  • Lobby for Facebook to amend its policies through its Facebook Site Governance section.
  • Cancel your Facebook account.

(Note that in the last case, you may have already ceded some rights which you cannot necessarily reclaim by canceling your account.)

As techtalk noted of Facebook users current privacy rights:

The fact is that Facebook members own the intellectual property (IP) that is uploaded to the social network, but depending on their privacy and applications settings, users grant the social network a non-exclusive, transferable, sub-licensable, royalty-free, worldwide license to use any IP content that you post on or in connection with Facebook (IP License).

Facebook adds, [t]his IP License ends when you delete your IP content or your account unless your content has been shared with others, and they have not deleted it.

While the social network does not technically own its members content, it has the right to use anything that is not protected with Facebook s privacy and applications settings. For instance, photos, videos and status updates set to public are fair game.


Business Development – What does it mean? Who is it for? #micro

#business development

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Business Development – What does it mean? Who is it for? Mark Kershaw

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Business Development – What does it mean? Who is it for?

Is it the same for everyone?

Having now worked in a number of roles that you might consider as business development (BD), I thought I’d start my publishing journey on LinkedIn (this is my first post) with a bit of reflection.

I often get asked what the difference between straight selling and BD is, so I thought I’d try and define the differences (for my own sake, if nothing more!).

To some degree, they’re different sides of the same coin.

Selling and BD go hand in hand.

I’ve been in roles where I’ve been strictly selling, others where there is a combination of sales and BD, and also in roles that I would consider true and pure BD.

In all, however, I’ve had some link to what would be considered BD within that particular business.

So the answer to the header title is no, I think; BD is different for everyone and every business, dependent on a number of factors – budget, size of workforce, attitude to BD, etc.

What is ‘true and pure’ BD?

The sales process is one that involves a lot of people – product development, designers, pricing, marketing, technical, management – ‘front-line’ salesmen and ‘top-end’ management need to combine forces to deliver a product that their customers want.

If you walk into a shop to buy a pair of trainers, for example, this has been designed from the early stages by trained footwear designers, manufactured from these designs in a production process of sorts (industrial or bespoke, depending on the brand), marketed in the appropriate manner to raise awareness of the product, eventually landing on the shelves of the shop you’re in, with a friendly guy/gal willing to help you transact some business when you make the decision to buy them.

So where does BD fit into this process? What’s it all about then?

I think the foremost word that comes up in the BD world is ‘relationships’.

That’s pretty much what it’s all about.

Good business development will help identify, maintain and encourage relationship building within a firm, building rapport with both suppliers and customers.

It helps strengthen the bonds between these links, supporting the marketing copy and material that establishes your product in the relevant marketplace.

It helps provide information as to what the client needs to the ‘front line’ sales team, assisting them in closing the deal at the end of the process.

It helps inform management as to how the market is moving, providing insights into new developments of technology, social media and other digital avenues that the firm can take advantage of, to build and maintain loyalty.

It helps small companies access bigger markets and large companies engage newcomers.

So my definition of ‘true and pure’ BD is ‘helping a business to develop its relationships’.

Plain and simple.

It’s networking on a daily basis; attending cutting-edge events to learn about the industry you’re working in; finding (er. stalking?) people on LinkedIn to see what events they’re attending and making sure you meet them there, in person, so that you can have that all important introductory chat; it’s offering your loyal customers something more than a newsletter – why not run a seminar and invite them along to it? They might be happy to be invited.

The personal touch is always a winner.

We hear more and more now about relationships marketing, social currency, engagement, etc.

BD is the platform that most of this is built on.

As I’ve mentioned before, I’ve worked in roles that have been classed as BD but have really been sales. I’ve worked in hybrid roles where you might do a bit of both. And I’ve worked in the ‘true and pure’ BD roles to.

What this has shown me is that BD has a place in every business. You can’t ‘develop’ your business without a good BD strategy.

So whether you’re encouraging your front-line staff to sign up to a few newsletters, or get yourself down to a few networking events, or join a LinkedIn group and start up a discussion, BD is something that can’t be overlooked.

It’s all very well to have a great product and a nicely designed website, with some great leaflets and a slick business card but, without the right approach to BD, no one is going to see it in the way you want to.

Having worked as a supplier to a lot of startups and growing SMEs, the one thing that I’ve noticed which has set apart the successes from the failures is their approach to BD.

Develop the relationships – build a community around your business and your product just needs to do what it says on the tin. The rest will fall into place and you’ll have a strong, loyal customer base who are happy to sing your praises.

For that reason alone, if nothing else, BD is essential for pretty much any business going.

That’s my opinion anyway, although I may be a bit bias, of course.





VA Home Loan: Do You Have What it Takes? #who #is #eligible


#

Money

VA Home Loan: Do You Have What it Takes?

In order to obtain a VA home loan, you must first get a VA Home Loan Certificate of Eligibility. This certificate is issued only through the Veterans Administration, and is the first step towards applying for your loan. Veterans, active duty, guard or reserve, and military spouses potentially qualify for this certificate. Keep in mind that the Certificate of Eligibility, while necessary, only allows an eligible individual to apply for a home loan; it does not guarantee a loan approval.

Learn more about this exclusive benefit, Download afree VA Loan Guidetoday.

Eligibility for the Certificate is based on an individual’s (or a spouse’s) military service. Congress establishes eligibility with strict guidelines. Here are five common categories of those who normally qualify for a Certificate of Eligibility:

Wartime – Service During:

  • WWII: 9/16/1940 to 7/25/1947
  • Korean: 6/27/1950 to 1/31/1955
  • Vietnam: 8/5/1964 to 5/7/1975

You must have at least 90 days on active duty and been discharged under other than dishonorable conditions. If you served less than 90 days, you may be eligible if discharged for a service connected disability.

Peacetime – Service during periods:

  • 7/26/1947 to 6/26/1950
  • 2/1/1955 to 8/4/1964
  • 5/8/1975 to 9/7/1980 (Enlisted)
  • 5/8/1975 to 10/16/1981 (Officer)

You must have served at least 181 days of continuous active duty and been discharged under other than dishonorable conditions. If you served less than 181 days, you may be eligible if discharged for a service connected disability.

Service after 9/7/1980 (enlisted) or 10/16/1981 (officer)

If you were separated from service which began after these dates, you must have:

  • Completed 24 months of continuous active duty or the full period (at least 181 days) for which you were ordered or called to active duty and been discharged under conditions other than dishonorable, or
  • Completed at least 181 days of active duty and been discharged under the specific authority of 10 USC 1173 (Hardship), or 10 USC 1171 (Early Out), or have been determined to have a compensable service-connected disability;
  • Been discharged with less than 181 days of service for a service-connected disability. Individuals may also be eligible if they were released from active duty due to an involuntary reduction in force, certain medical conditions, or, in some instances for the convenience of the Government.

Gulf War – Service during period 8/2/1990 to date yet to be determined

If you served on active duty during the Gulf War, you must have:

  • Completed 24 months of continuous active duty or the full period (at least 90 days) for which you were called or ordered to active duty, and been discharged under conditions other than dishonorable, or
  • Completed at least 90 days of active duty and been discharged under the specific authority of 10 USC 1173 (Hardship), or 10 USC 1173 (Early Out), or have been determined to have a compensable service-connected disability, or
  • Been discharged with less than 90 days of service for a service-connected disability. Individuals may also be eligible if they were released from active duty due to an involuntary reduction in force, certain medical conditions, or, in some instances, for the convenience of the Government.

Active Duty Service Personnel

If you are now on regular duty (not active duty for training), you are eligible after having served 181 days (90 days during the Gulf War) unless discharged or separated from a previous qualifying period of active duty service.

Selected Reserves or National Guard

If you are not otherwise eligible and you have completed a total of 6 years in the Selected Reserves or National Guard (member of an active unit, attended required weekend drills and 2-week active duty for training) and

  • Were discharged with an honorable discharge, or
  • Were placed on the retired list, or
  • Were transferred to the Standby Reserve or an element of the Ready Reserve other than the Selected Reserve after service characterized as honorable service, or
  • Continue to serve in the Selected Reserves

Individuals who completed less than 6 years may be eligible if discharged for a service-connected disability.

You may also be determined eligible if you :

  • Are an unremarried spouse of a veteran who died while in service or from a service connected disability, or
  • Are a spouse of a serviceperson missing in action or a prisoner of war

Note. Also, a surviving spouse who remarries on or after attaining age 57, and on or after December 16, 2003, may be eligible for the home loan benefit. However, a surviving spouse who remarried before December 16, 2003, and on or after attaining age 57, must apply no later than December 15, 2004, to establish home loan eligibility. VA must deny applications from surviving spouses who remarried before December 6, 2003 that are received after December 15, 2004.

Eligibility may also be established for :

  • Certain United States citizens who served in the armed forces of a government allied with the United States in WW II.
  • Individuals with service as members in certain organizations, such as Public Health Service officers, cadets at the United States Military, Air Force, or Coast Guard Academy, midshipmen at the United States Naval Academy, officers of National Oceanic Atmospheric Administration, merchant seaman with WW II service, and others.

NEXT STEP: Download a free VA Loan Guide to get started using your VA home loan benefit.


About Sumy Designs – Who We Are and What We Do –

#business website design

#

Who We are and What We Do

We are Sumy Designs, LLC. Our business is based in West Lafayette, Indiana.

Our History: Sumy Designs was created by two sisters, Susan Sullivan and Amy Masson in 2006. Susan had been working as an advertising and marketing director with a large publishing firm while Amy had been teaching computer technology. After leaving those respective career paths, a friend asked if we’d like to make a website for her. We said yes. A friend of this friend saw that website and asked us to make a website for her. We said yes. And so and so forth and now we have created many, many sites for many happy clients across the US, Canada, and England.

Susan is our designer, in charge of all things creative and beautiful. She has the vision and skills it takes to create custom masterpieces for every project.

Amy is our resident technical expert, with the skills to make every website function as it should.

Interesting fact: While the business is based in West Lafayette, Susan lives in the Dallas Forth Worth area. We work together virtually, via email and video chat, to seamlessly design, manage, and maintain projects of all sizes.

Where’d you come up with the name Sumy? It’s a combination of our first names. SU san and aMY.

Our Support Team

While Amy does the behind the scenes work and Susan does the design, there are a lot of other areas that need attention, so we have recruited a team of fabulous people to work with us to bring these jobs to completion. Being a virtual business, we are able to employ people from all over the country to work with us.





Business Development – What does it mean? Who is it for? #business

#business development

#

Business Development – What does it mean? Who is it for? Mark Kershaw

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Accounting: Making change happen Geni Whitehouse Участник Influencer

Business Development – What does it mean? Who is it for?

Is it the same for everyone?

Having now worked in a number of roles that you might consider as business development (BD), I thought I’d start my publishing journey on LinkedIn (this is my first post) with a bit of reflection.

I often get asked what the difference between straight selling and BD is, so I thought I’d try and define the differences (for my own sake, if nothing more!).

To some degree, they’re different sides of the same coin.

Selling and BD go hand in hand.

I’ve been in roles where I’ve been strictly selling, others where there is a combination of sales and BD, and also in roles that I would consider true and pure BD.

In all, however, I’ve had some link to what would be considered BD within that particular business.

So the answer to the header title is no, I think; BD is different for everyone and every business, dependent on a number of factors – budget, size of workforce, attitude to BD, etc.

What is ‘true and pure’ BD?

The sales process is one that involves a lot of people – product development, designers, pricing, marketing, technical, management – ‘front-line’ salesmen and ‘top-end’ management need to combine forces to deliver a product that their customers want.

If you walk into a shop to buy a pair of trainers, for example, this has been designed from the early stages by trained footwear designers, manufactured from these designs in a production process of sorts (industrial or bespoke, depending on the brand), marketed in the appropriate manner to raise awareness of the product, eventually landing on the shelves of the shop you’re in, with a friendly guy/gal willing to help you transact some business when you make the decision to buy them.

So where does BD fit into this process? What’s it all about then?

I think the foremost word that comes up in the BD world is ‘relationships’.

That’s pretty much what it’s all about.

Good business development will help identify, maintain and encourage relationship building within a firm, building rapport with both suppliers and customers.

It helps strengthen the bonds between these links, supporting the marketing copy and material that establishes your product in the relevant marketplace.

It helps provide information as to what the client needs to the ‘front line’ sales team, assisting them in closing the deal at the end of the process.

It helps inform management as to how the market is moving, providing insights into new developments of technology, social media and other digital avenues that the firm can take advantage of, to build and maintain loyalty.

It helps small companies access bigger markets and large companies engage newcomers.

So my definition of ‘true and pure’ BD is ‘helping a business to develop its relationships’.

Plain and simple.

It’s networking on a daily basis; attending cutting-edge events to learn about the industry you’re working in; finding (er. stalking?) people on LinkedIn to see what events they’re attending and making sure you meet them there, in person, so that you can have that all important introductory chat; it’s offering your loyal customers something more than a newsletter – why not run a seminar and invite them along to it? They might be happy to be invited.

The personal touch is always a winner.

We hear more and more now about relationships marketing, social currency, engagement, etc.

BD is the platform that most of this is built on.

As I’ve mentioned before, I’ve worked in roles that have been classed as BD but have really been sales. I’ve worked in hybrid roles where you might do a bit of both. And I’ve worked in the ‘true and pure’ BD roles to.

What this has shown me is that BD has a place in every business. You can’t ‘develop’ your business without a good BD strategy.

So whether you’re encouraging your front-line staff to sign up to a few newsletters, or get yourself down to a few networking events, or join a LinkedIn group and start up a discussion, BD is something that can’t be overlooked.

It’s all very well to have a great product and a nicely designed website, with some great leaflets and a slick business card but, without the right approach to BD, no one is going to see it in the way you want to.

Having worked as a supplier to a lot of startups and growing SMEs, the one thing that I’ve noticed which has set apart the successes from the failures is their approach to BD.

Develop the relationships – build a community around your business and your product just needs to do what it says on the tin. The rest will fall into place and you’ll have a strong, loyal customer base who are happy to sing your praises.

For that reason alone, if nothing else, BD is essential for pretty much any business going.

That’s my opinion anyway, although I may be a bit bias, of course.





6 Business Icons Who Made TIME Person of the Year #stock #market

#business icons

#

TIME has dedicated one issue to the “Person of the Year. ” The award, which is “bestowed to those who have, for good or for ill, most influenced the news and our lives in the past year,” has gone to politicians, scientists, humanitarians and entrepreneurs. Click through to see the business icons who have graced the magazine’s famous cover over the years.

1928 – Walter Chrysler

Before starting what would become one of the largest automotive manufacturers in the United States, Walter Chrysler worked as a railroad mechanic and locomotive machinist in West Texas. After serving as the head of Buick for three years, Chrysler was tapped to turn around the failing Willys-Overland Motor Company in Flint, Michigan. The now defunct company would become the automaker known today as Chrysler. Two years after being awarded Person of the Year, Chrysler financed the construction of the Chrysler Building in New York City, all with his personal fortune. The building stood as the tallest in the world for 11 months, when the Empire State Building surpassed it. Upon his death in 1938, Chrysler’s estate was worth roughly $8.9 million dollars – almost $150 million by today’s standards.

1955 – Harlow Curtis

In 1914, Harlow Curtis, the son of a fruit vendor in rural Michigan, responded to a newspaper ad for a bookkeeper position at the AC Spark Plug Company in Flint, Michigan. Following 15 years of service at AC, Curtis was named president of the spark plug company. According to GM’s online history portal. Curtis worked his way up the Detroit-ranks, landed a position at Buick and eventually became president of the highly profitable GM branch. In 1953, Curtis was named president of General Motors, and at his helm became the first American company to reach $1 billion in profits. A year later, TIME named Curtis “Man of the Year” in recognition of this achievement.

1991 – Ted Turner

Now a household name and waiting room fixture nationwide, CNN had plenty of skeptics when Ted Turner launched the first 24-hour news network in 1980. Built on the foundations Turner had put into place as the head of his father’s advertising firm and as the owner of the Atlanta Hawks basketball team, Turner changed news from a once-daily occurrence to a never-ending cycle. As of 2010, CNN was streaming to 100 million American households and another 98 million satellite subscribers throughout the world. Turner is worth $2.2 billion, according to Forbes . making him one of the wealthiest men in the country. The wealthy conglomerate extends beyond media, too. Ted’s Montana Grill serves up western-inspired food sourced from Turner’s bison located on ranches throughout the west and abroad.

1997 – Andrew Grove

As he proclaims in his book, “Only the paranoid survive.” This is the driving principle that has made Andrew Grove so insanely successful. Born in Hungary, Grove escaped communism to finish his education, earning a Bachelor of Science degree in chemical engineering from City College of New York and a Ph. D. from the University of California, Berkeley. Grove was a pioneer the burgeoning semi-conductor industry. Once at the helm of Intel, Grove revolutionized the company into the highest valued computer chip maker in the world today. Under Groves leadership, Intel saw an increase in revenue from $1.9 million in 1987 to an astonishing $26.27 billion in 1998. Steve Jobs idolized Grove, seeking his advice when considering a return to Apple as CEO. In 1997, a year before Grove relinquished his title of CEO, Grove was awarded “Person of the Year ” on the 50th anniversary of the invention of the transistor.

1999 – Jeff Bezos

The e-commerce pioneer is most well known for his establishment of Amazon as an Internet commerce icon. Originally a source for books, Amazon had expanded to almost everything by 1999 when Jeff Bezos was awarded “Person of the Year.” Born to a teenage mother, Bezos was technologically adept from a young age, tinkering in his parents’ garage. In 2013, Amazon reported net revenue of $74.5 billion and employed over 132,000. Alexa, the domain ranking service, credits Amazon as the seventh most-visited website in the world. Since his recognition, Bezos has been up to quite a bit. In addition to his continued innovations at Amazon (did someone say drones ?), he acquired The Washington Post from longtime owners, the Graham family. Bezos is betting on his knack for web innovation to bring the publication into the digital age.

2010 – Mark Zuckerberg

The same year as he was hailed as TIME’s “Person of the Year “, The Social Network film sealed Mark Zuckerberg ‘s place as an American demagogue, next to the likes of Steve Jobs and others. In a Harvard dorm room, Zuckerberg and friends created what would become Facebook. The website spawned an entire social networking industry. Facebook’s massive $5 billion IPO, the third largest in history, would increase Zuckerberg’s wealth to about $33.1 billion, according to Forbes . making him No. 16 on the list of wealthiest Americans. His wealth makes him part of an elite club – one of three people with more billions than they have years of age. As of September, Facebook boasted 864 million daily active users .





About Sumy Designs – Who We Are and What We Do –

#business website design

#

Who We are and What We Do

We are Sumy Designs, LLC. Our business is based in West Lafayette, Indiana.

Our History: Sumy Designs was created by two sisters, Susan Sullivan and Amy Masson in 2006. Susan had been working as an advertising and marketing director with a large publishing firm while Amy had been teaching computer technology. After leaving those respective career paths, a friend asked if we’d like to make a website for her. We said yes. A friend of this friend saw that website and asked us to make a website for her. We said yes. And so and so forth and now we have created many, many sites for many happy clients across the US, Canada, and England.

Susan is our designer, in charge of all things creative and beautiful. She has the vision and skills it takes to create custom masterpieces for every project.

Amy is our resident technical expert, with the skills to make every website function as it should.

Interesting fact: While the business is based in West Lafayette, Susan lives in the Dallas Forth Worth area. We work together virtually, via email and video chat, to seamlessly design, manage, and maintain projects of all sizes.

Where’d you come up with the name Sumy? It’s a combination of our first names. SU san and aMY.

Our Support Team

While Amy does the behind the scenes work and Susan does the design, there are a lot of other areas that need attention, so we have recruited a team of fabulous people to work with us to bring these jobs to completion. Being a virtual business, we are able to employ people from all over the country to work with us.





Small business: 21 tips from entrepreneurs who are killing it #small #business

#small business tips

#

21 tips from small businesses that are killing it

STARTING a small business is a dream for many Australians, but it can be daunting.

Here, entrepreneurs who are killing it in a range of industries share their best piece of advice for making your company a success.

1. Deliver a consistent customer experience.

Damian Cerini, owner of cycling tour business Tour de Vines, says you need your business to almost run itselfbefore you look at growth. The thing about working for an employer is that the business model is already set, it s about the execution of the idea, whereas a new business is about testing the idea first and developing the systems.

2. Add a personal touch.

Angus Askew, co-director of commercial asset financing company Magnolia Lane Financial Services, says: In our industry like most service industries everyone is essentially selling the same thing, you ve just got to do it better. Our number one goal when dealing with a new client is to establish a relationship and make them feel special. Make sure you are remembered. We make it our priority to see all of our customers face to face. Create a rapport as this is what will result in repeat business and an income stream for life.

3. Leverage social media.

A strong marketing strategy is essential in every industry, says Anthony Kittel, director of manufacturing firm REDARC. That means social networking on LinkedIn, Twitter, Instagram, Facebook or all of the above. Our brand is everything, so whatever we can do to promote that brand and consumer awareness is critical.

Author and Flying Solo editor Kelly Exeter says a less frantic life made her more productive.

4. Write your own business bible.

Matthew White, whose firm Ergoflex sells memory foam mattresses, says the volume of information available can be overwhelming. He recommends writing ideas and tips in a notebook or tablet as they come up. It has helped me make some major decisions, and also saved me hours of searching for something I ve read somewhere.

5. Focus on your specialty.

In the first few years, there can be a lot of pressure to diversify your offering, says Paris Cutler, director of cake decorating company Planet Cake. Stick to what you do best and do it better and with more focus than anyone else.

6. Outsource the things you don t do.

Resist the temptation to chase work outside your offering, and use a specialist to fill in any gaps, says Rhys Roberts from accountancy firm Viridity. I outsource my HR, my IT, much of my marketing and more. The time you free up you can spend doing what you are good at.

7. Aim high and be persistent.

Determination is one of the vital qualities needed when you start on the long road of setting up a small business. Rochelle Miller, co-founder of fashion retailer Another Love, says: Believe in yourself and your strengths. Don t take no for an answer. There will be bumps along the way, but everything has a solution or another option.

Consultant Andrew Griffiths thinks about ways to improve his business each day.

8. Embrace a life less frantic.

Kelly Exeter, author and editor of small business community Flying Solo says it s all about finding the right balance for you. I am learning that I don t just need physical space to thrive, I need mental space too.

9. Follow your own path.

Designer and illustrator Beci Orpin says she s not naturally business-minded, but has always worked really hard and built up a strong folio of work. My business is all about me: my style and what I create, so an important part of developing that was staying true to myself not worrying about what other people were doing.

10. Take time out to think about how to improve.

Use your best hour in the day to consider ways of moving forward, advises Andrew Griffiths, a small business author and consultant. He does this first thing every morning. Then, each Friday, I find a quiet place and ask myself a question: How is my business better this week than it was last week?

11. Harness your keystone habits .

Entrepreneur and blogger James Clear says we should find the one or two habits or routines that make everything else fall into place. Improving your lifestyle and becoming the type of person who has their act together isn t nearly as hard as you might think.

Life coach Kathryn Hocking researches what competitors are doing.

12. Practise mindfulness.

Freelance journalist and editor Jodie Macleod says it increases productivity, reduces stress and improves memory and focus. Mindfulness is when you are aware of your thoughts, feelings, sensations, breath and everything occurring in the present moment, without attaching judgment to those observations.

13. Every setback is a stepping stone to success.

Lucinda Lions from branding agency Slogan Creator says it s important to stay positive wherever possible, and see feedback, not failure. I remind myself tomorrow is a brand new day, a new opportunity to think differently and make better choices.

14. Hire from within your networks.

When Sarah Wilson from I Quit Sugarbegan feeling overwhelmed with work, she decided to get an assistant. She put a call out to her community, knowing taking someone on would involve sacrifice. Five years later, they still have a successful working relationship. Start out small and then leave the invitation open for expansion.

15. Keep it manageable.

Kate James, start-up coach at Total Balance, says it s important to remember that it s not all about non-stop growth bigger isn t better if you ve stopped enjoying what you do. You need to define your own version of success. Mine is that I need to love my business.

Sarah Wilson says you need to know when to ask for help. Source: Supplied

16. Know when to work for free.

Vanessa Emilio from Legal123, says sometimes working for free is worth it. Free doesn t mean offering an entire job or product for free. It could mean a free initial consultation, free component of a project or complimentary muffin with every coffee.

17. Stay excited and believe in your business.

SEO copywriter and consultant Kate Toon says start-ups should think about clients needs and possible issues and create rational responses to persuade them your business is the solution. Inject warmth, professionalism and even humour, where appropriate. Being human beats boring every time.

18. Learn to say no.

Recognise when a client has unrealistic expectations and nip it in the bud early, or consider referring them on, says author and media commentator Andrew Griffiths.

Try a formal, structured response and keep returning to it. Try, Thank you for the opportunity, but we are so heavily committed we can t give your project the time and attention it needs.

If you re on a tight marketing budget, think about how you can trigger word-of-mouth interest. Warren Harmer of The Business Plan Company mentions a small florist that did this brilliantly by 1) Offering quality; 2) Providing value; 3) Inspiring team members to love their job and clients and 4) Creating a physical environment that excited their market.

20. Turn competition into inspiration.

Life coach Kathryn Hocking suggests you research what competitors are doing to help identify what makes you unique. Your relationship doesn t have to be adversarial: they could be a mentor, partner or friend. Focus on your own purpose and connect with peers that have similar values and who inspire you to greater levels of success.

21. Know when to take a dream detour .

Sometimes it s hard to know whether to grab a fresh opportunity or stick to your path. Business mentor Lynda Bayada says you need to outsmart your head so you can listen to your heart. Give yourself space and trust yourself. And you ll find that s half the battle won.