Sales Tip: Always Be Closing (ABC). The one simple rule that will help increase your sales.

 

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I don’t know who came up with the phrase, “Always Be Closing” but it’s brilliant. In sales circles it’s known more simply as ABC.

If you are in sales, this simple catchy phrase will help keep you on track to making sales.

Here’s some insight into sales and how to increase the number of sales YOU make.

Buyers like to get the sales person off track.

They like to ask questions, lots of questions.

They ask:

Does it come in blue?

What’s the guarantee?

Buyers like to stall, hedge, avoid.

They say:

I have to ask my wife.

I want to look around.

I think I can get a better deal somewhere else.

Buyers like to know that their business matters, that they are getting some personal attention to earn their business.

But sales people, know the ABC’s of sales – Always Be Closing.

Smart, successful sales people know that happy customers and good sales people go hand in hand.

They know that spending a little extra time with a serious buyer, or creating a personalized offer can be exactly what is needed to clinch a sale.

The buyer wants their questions answered so they can make the decision to buy. The smart salesperson wants to answer those questions and move the person ever closer to buying.

My colleague, Dr. Jeffrey Lant talks about the sales dance. He likens the sales process to a type of courtship. The sales person approaches, the buyer is shy, aloof. The sales person comes closer, offers the right words, and assurances. The buyer plays hard to get but shows interest. The sales person is more engaging, tries harder with a better offer, always moving toward the close.

ABC – Always be Closing means this:

Answering relevant questions, eliminating obstacles to the sale being made, helping with payment plans, reassuring the buyer, making special offers, sweetening the deal, whatever it takes to get the sale.

Closing the sale means finding out from the customer, what it will take to get them to buy NOW, not next week, or next month. The best sales people are listeners. They listen to what the buyer wants and they determine a way to get it for them so the sale is made, today. You can HEAR someone who wants to buy, if you stop talking long enough to listen.

ABC means doing your job right so the customer gets a great deal and you make a great sale!

Most of us have been on the receiving end of a poor sales person, and we also remember that warm happy feeling when you’ve made a purchase that you feel good about. We like to feel special, a good sales person can make that happen or alternatively with the wrong approach can make you walk away.

Happy customer’s who feel they got a good deal can be a repeat customer or a customer for life. Unhappy customers help you learn what you could perhaps be doing better. The right approach with an unhappy customer can convert them into a happy one! In fact, they may end up being your best customer because they see you actually cared and tried to make better a problem situation.

Got a sticky note? Write ABC on a sticky note, and post it on your computer. It will help remind you when you are talking to a customer, or answering an email, or sending a quote, or posting an offer, remember to Always Be Closing.

*** We invite your comments below.

How Yelp can help your local business generate business!

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As Groupon and other Bulk-Buy sites lose favour with merchants, business owners are going back to basics to generate traffic and new business.

Yelp.com is a reviews website that allows members to post reviews (good and bad) about different types of business. The site is structured into geographical areas which is beneficial for both users of the site and for businesses.

Yelp.com provides an easy way to see what people are saying about a specific business of interest. Recent surveys report that review sites are very popular among consumers (especially 35 and under) who will frequently use these kinds of sites to search for a business, then decide whether or not to use a service or business.

–> Benefits for the Consumer

Search for businesses by category or key words, in your specific area for hours, contact information, or website address.

Yelp allows you to find smaller businesses that might not yet be indexed on Google Maps

Browse what people are saying about a specific business or service, or add your own review.

The “talk” element of the site allows for more detailed specifics on a business or service.

Easily share your reviews on Twitter, Facebook and other social media.

–> Benefits for the Business

63 million people have visited yelp in the last 30 days – that is some kind of MASSIVE – FREE exposure for your local business. People who may never otherwise have heard of your business or perhaps forgotten about you can get acquainted with you.

Any local business with a physical presence can benefit from being listed at Yelp.

Business owners can add their own business listing (if not already listed) to ensure that their contact information is accurate. They can also add photos and message customers.

Business owners (or Managers) can reply publicly to reviews or comments posted about their business.

Business owners can pay for premium advertising, called Yelp Ads.

Business owners can see what people are saying about their business and pinpoint for correction, problem or services issues in their operation.

Recently Yelp has added Events listings as well. So if you are organizing an event, submit it and get instant exposure. Visitors to Yelp, in your location will see your listing as Yelp will scan the geographical location of the member logging in, so events in their area show up.

Yelp has integrated several social media sites (FaceBook, Twitter etc) into the site so when users access these, or refer friends to the site, business owners get the benefits of even more promotion.

– Review of Yelp

For the most part, review sites like Yelp.com are GOOD for local business. The exposure for a business, is tremendous and difficult to not be seen as valuable. You get free exposure by reviews being posted, new customers are introduced to what you offer, former customers are reminded that you are still there. You as the owner or manager get come control over content, by adding your own business, then commenting often, posting pictures etc. Social media allows businesses to engage with their customers in a positive way.

Yes, there are some possible disadvantages. People can write negative reviews about your business. But if you run a solid operation these will be overshadowed by the good comments that people post. Some businesses have been known to pay people to write good reviews or offer other perks. Statistical averages will most often work in your favour if you are an honest business, doing your best to provide a quality service for your customers. Remember, negative reviews can be responded to by the business owner, or manager. Customers understand that no business is perfect. False, or off-the-wall reviews stand out as such and are often filtered, removed or rated lower in terms of helpfulness. What matters to consumers is that a business owner makes an effort to resolve problems.

For more details visit Yelp.com

What do you think of Review Sites? Helpful or not helpful? What Review sites do you like?

Relationship Building is Good Business, here’s why.

 

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If you want to set your business apart from your competitors spend some time creating and fostering relationships with your current and prospective customers.

Strong business relationship lead to long term customers and this is good for your bottom line. If you have been ignoring social media it’s time to recognize that you are turning your back on a vital direct connection to the people who have supported your business and those people who may be your next customers. Your customers are a vital source of information for any company. They can help you understand how to better meet their needs and therefore, retain their business while attracting new business. One of the most powerful ways to tap this valuable resource is by finding more ways to connect with your customers and build lasting relationships.

Relationship building is an ongoing process on and offline. Social media makes it easier to start and build relationships with current and prospective customers all over the world. Your marketing plan should include dedicating resources for building your online presence through posts, blogs, backlinks, bookmarks, commenting and more. Your website is simply not enough any more. If you want to speak to your customers and grow your sales you will need to connect with them using popular social media.

Social media makes it easy to build relationships with your customers, here’s how.

– Instantly create connections

– Expand your reach to new markets

– Ability to jump on customer service issues right away

– Better identify gaps in your service provision

– Know what people are saying about your company

– Increase awareness of what your business offers

– Increase referrals and sales

– Generate new sales with offers

– Post Product or Service Reviews

– Improve customer experiences with your company

– Generate fresh online frequent content that you control

What to do next:

Have a look at some of the popular Social Media sites to see which ones are the best fit for your company, products or services. Don’t limit yourself to just the large sites, if you can find niche sites directly related to your purposes this can be ideal and easily found with a Google search. Here’s just a few of the top ones ranked by Alexa.com

YouTube.com
Facebook.com
Twitter.com
LinkedIn.com
MySpace.com
Yelp.com
StumbleUpon
Tumblr.com
Reddit.com
Flickr.com
Digg.com
Metacafe.com
del.icio.us
segnalo.com
BlogCatalog.com
technorati.com
mixx.com
Rojo.com
Kaboodle.com
gather.com
Folkd.com
KillerStartups.com
Newsvine.com
Faves.com
BlinkList.com
BuddyMarks.com
WireFan.com
Mister-Wong.com

Before the Internet, building business relationships meant greeting your customer by name when they came into your store. Today, it means using social media to better connect with your customers and in the process of helping them you help your own company grow stronger. Companies and their customers are connected in a way never seen before and it’s your job as a business owner to facilitate this process.

100 Website Flipping Tips

 

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Introduction

This ebook will give you 100 website/business selling/flipping methods. It will give you all kinds of selling points to use that will gain a huge profit from flipping your web site or selling your offline business.

1) You could talk about the benefits of your web site’s domain name. Or you may list the benefits of your offline business’s building type.

2) You might publish the features of your online business’s back links. Or you can publish the features of your offline company’s location.

3) You should comment on the advantages of your web blog’s articles or content. Or you might comment on the advantages of your offline service’s vehicles.

4) You might write about the perks of your internet business’s affiliate program. Or you could write about the perks of your offline store’s/shop’s shelves.

5) You could advertise the details of your online property’s outbound links. Or you should advertise the details of your offline office’s desks.

6) You might market the specifics of your web URL’s average daily visitors. Or you may market the specifics of your offline factory’s machines.

7) You should promote the elements of your internet address’s ezine subscribers. Or you can promote the elements of your offline business’s office size.

8) You might publicize the quality of your web site’s search engine rank. Or you might publicize the quality of your offline company’s brand.

9) You could copy write about the condition of your online business’s opt-in list size. Or you could copy write about the condition of your offline service’s tools.

10) You might remark on the particulars of your web blog’s outsourcers/freelancers. Or you should remark on the particulars of your offline store’s/shop’s counters.

11) You should state about the specifications of your internet business’s forums/message boards. Or you may state about the specifications of your offline office’s computers.

12) You might report on the structure of your online property’s web hosting service. Or you can report on the structure of your offline factory’s tax advantages.

13) You could type about the benefits of your web URL’s membership amount. Or you might type about the benefits of your offline business’s rooms.

14) You might divulge the features of your internet address’s social networking pages. Or you could talk about the features of your offline company’s sign.

15) You should chat about the advantages of your web site’s navigation. Or you should divulge the advantages of your offline service’s square footage.

16) You might reveal the perks of your online business’s affiliate program system. Or you may chat about the perks of your offline store’s/shop’s roof.

17) You could expose the details of your web blog’s plugins. Or you can reveal the details of your offline office’s financial statements.

18) You might highlight the specifics of your internet business’s software. Or you might expose the specifics of your offline factory’s sliding.

19) You should unveil the elements of your online property’s graphics. Or you could highlight the elements of your offline business’s worth.

20) You might spotlight the quality of your web URL’s scripts. Or you should unveil the quality of your offline company’s price.

21) You could emphasize the condition of your internet address’s pictures. Or you may spotlight the condition of your offline service’s heating system.

22) You might show off the particulars of your web site’s help desk system. Or you can emphasize the particulars of your offline store’s/shop’s parking lot.

23) You should exhibit the specifications of your online business’s customer list. Or you might show off the specifications of your offline office’s views.

24) You might present the structure of your web blog’s comments. Or you could exhibit the structure of your offline factory’s electric bills.

25) You could uncover the benefits of your internet business’s monthly profits. Or you should present the benefits of your offline business’s walls.

26) You might disclose the features of your online property’s dedicated servers. Or you may uncover the features of your offline company’s age.

27) You should brag about the advantages of your web URL’s video clips. Or you can disclose the advantages of your offline service’s serving area.

28) You might indicate the perks of your internet address’s monthly sales. Or you might brag about the perks of your offline store’s/shop’s flooring.

29) You could point out the details of your web site’s audio clips. Or you could indicate the details of your offline office’s cooling system.

30) You might underscore the specifics of your online business’s joint venture partners. Or you should point out the specifics of your offline factory’s lighting.

31) You should stress the elements of your web blog’s paid sponsor. Or you may underscore the elements of your offline business’s windows.

32) You might accent the quality of your internet business’s terms and conditions. Or you can stress the quality of your offline company’s water bill.

33) You could feature the condition of your online property’s free ebooks. Or you might accent the condition of your offline service’s drive through.

34) You might underline the particulars of your web URL’s squeeze pages. Or you could feature the particulars of your offline store’s/shop’s ceiling.

35) You should broadcast the specifications of your internet address’s autoresponders. Or you should underline the specifications of your offline office’s condition.

36) You might focus on the structure of your web site’s directory’s. Or you may broadcast the structure of your offline factory’s outlets.

37) You could mention the benefits of your online business’s micro blogs. Or you can focus on the benefits of your offline business’s landscape.

38) You might talk about the features of your web blog’s email systems. Or you might mention the features of your offline company’s franchises.

39) You should publish the advantages of your internet business’s bandwidth. Or you could list the advantages of your offline service’s tables/chairs.

40) You might comment on the perks of your online property’s file storage. Or you should publish the perks of your offline store’s/shop’s coolers.

41) You could write about the details of your web URL’s product reviews. Or you may comment on the details of your offline office’s lunchroom.

42) You might advertise the specifics of your internet address’s payment processors. Or you can write about the specifics of your offline factory’s property taxes.

43) You should market the elements of your web site’s thank you pages. Or you might advertise the elements of your offline business’s heating bill.

44) You might promote the quality of your online business’s sales letters. Or you could market the quality of your offline company’s city.

45) You could publicize the condition of your web blog’s password areas. Or you should promote the condition of your offline service’s cooking equipment.

46) You might copy write about the particulars of your internet business’s affiliate areas. Or you may publicize the particulars of your offline store’s/shop’s coolers.

47) You should remark on the specifications of your online property’s niches/markets. Or you can copy write about the specifications of your offline office’s elevators.

48) You might state about the structure of your web URL’s email ads. Or you might remark on the structure of your offline factory’s bathrooms.

49) You could report on the benefits of your internet address’s content archives. Or you could state about the benefits of your offline business’s stairs.

50) You might type about the features of your web site’s automation. Or you should report on the features of your offline company’s products.

51) You should divulge the advantages of your online business’s pop/exit ads. Or you may type about the advantages of your offline service’s services.

52) You might chat about the perks of your web blog’s offline products. Or you can talk about the perks of your offline store’s/shop’s neighboring stores.

53) You could reveal the details of your internet business’s content sources. Or you might divulge the details of your offline office’s number of rooms.

54) You might expose the specifics of your online property’s digital products. Or you could chat about the specifics of your offline factory’s safety history.

55) You should highlight the elements of your web URL’s classified ads. Or you should reveal the elements of your offline business’s foundation.

56) You might unveil the quality of your internet address’s competing web sites. Or you may expose the quality of your offline company’s structure.

57) You could spotlight the condition of your web site’s online services. Or you can highlight the condition of your offline service’s competition.

58) You might emphasize the particulars of your online business’s upsells. Or you might unveil the particulars of your offline store’s/shop’s decorating.

59) You should show off the specifications of your web blog’s resell rights products. Or you could spotlight the specifications of your offline office’s fax machines.

60) You might exhibit the structure of your internet business’s free reports. Or you should emphasize the structure of your offline factory’s assemble lines.

61) You could present the benefits of your online property’s shipping policies. Or you may show off the benefits of your offline business’s number of floors.

62) You might uncover the features of your web URL’s onetime offers. Or you can exhibit the features of your offline company’s logos.

63) You should disclose the advantages of your internet address’s free software. Or you might present the advantages of your offline service’s deed restrictions.

64) You might brag about the perks of your web site’s product conversion ratios. Or you could uncover the perks of your offline store’s/shop’s square footage.

65) You could indicate the details of your online business’s webinars/teleseminars. Or you should disclose the details of your offline office’s filing cabinets.

66) You might point out the specifics of your web blog’s contextual ads. Or you may brag about the specifics of your offline factory’s production.

67) You should underscore the elements of your internet business’s content syndication. Or you can indicate the elements of your offline business’s central air.

68) You might stress the quality of your online property’s refund polices. Or you might point out the quality of your offline company’s square footage.

69) You could accent the condition of your web URL’s cost per action ads. Or you could underscore the condition of your offline service’s garage.

70) You might feature the particulars of your internet address’s chat room. Or you should stress the particulars of your offline store’s/shop’s zoning laws.

71) You should underline the specifications of your web site’s mlm programs. Or you may accent the specifications of your offline office’s copiers.

72) You might broadcast the structure of your online business’s . Or you can feature the structure of your offline factory’s utility room.

73) You could focus on the benefits of your web blog’s income streams. Or you might underline the benefits of your offline business’s closets.

74) You might mention the features of your internet business’s domain name age. Or you could broadcast the features of your offline company’s slogans.

75) You should talk about the advantages of your online property’s fan page. Or you should focus on the advantages of your offline service’s upgrades.

76) You might publish the perks of your web URL’s banner ads. Or you may mention the perks of your offline store’s/shop’s trash pickup.

77) You could comment on the details of your internet address’s awards. Or you can list the details of your offline office’s cafeteria.

78) You might write about the specifics of your web site’s offline marketing. Or you might publish the specifics of your offline factory’s suppliers.

79) You should advertise the elements of your online business’s product covers. Or you could comment on the elements of your offline business’s recent repairs.

80) You might market the quality of your web blog’s follow up system. Or you should write about the quality of your offline company’s marketing plan.

81) You could promote the condition of your internet business’s profitability. Or you may advertise the condition of your offline service’s community involvement.

82) You might publicize the particulars of your online property’s screen shots. Or you can market the particulars of your offline store’s/shop’s cleanliness.

83) You should copy write about the specifications of your web URL’s corner/footer ads. Or you might promote the specifications of your offline office’s exercise room.

84) You might remark on the structure of your internet address’s monthly commissions. Or you could publicize the structure of your offline factory’s school district.

85) You could state about the benefits of your web site’s after sale support. Or you should copy write about the benefits of your offline business’s legalities.

86) You might report on the features of your online business’s daily unique visitors. Or you may remark on the features of your offline company’s appraised value.

87) You should type about the advantages of your web blog’s copyrights/trademarks. Or you can state about the advantages of your offline service’s advertising.

88) You might divulge the perks of your internet business’s viral traffic amount. Or you might report on the perks of your offline store’s/shop’s sidewalks.

89) You could chat about the details of your online property’s technical support. Or you could type about the details of your offline office’s water source.

90) You might reveal the specifics of your web URL’s number of pages. Or you should talk about the specifics of your offline factory’s product line.

91) You should expose the elements of your internet address’s ecourses/e-classes. Or you may divulge the elements of your offline business’s warehouse.

92) You might highlight the quality of your web site’s language. Or you can chat about the quality of your offline company’s publicity.

93) You could unveil the condition of your online business’s about me/profile page. Or you might reveal the condition of your offline service’s appliances.

94) You might spotlight the particulars of your web blog’s organization. Or you could expose the particulars of your offline store’s/shop’s security system.

95) You should emphasize the specifications of your internet business’s milestones. Or you should highlight the specifications of your offline office’s investments.

96) You might show off the structure of your online property’s free offline products. Or you may unveil the structure of your offline factory’s sprinkler system.

97) You could exhibit the benefits of your web URL’s number of friend/followers. Or you can spotlight the benefits of your offline business’s stairs.

98) You might present the features of your internet address’s mobile marketing. Or you might emphasize the features of your offline company’s employees.

99) You should uncover the advantages of your web site’s grammar/spelling. Or you could show off the advantages of your offline service’s cabinets .

100) You might disclose the perks of your online business’s number of affiliates. Or you should exhibit the perks of your offline store’s/shop’s delivery areas.

Are You Ready To Become Self-Employed

 

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If you are interested in starting a business, or taking over one, you face a daunting task that carries a level of risk and excitement not possible in the ’employee’ world.

If the financial independence of self-employment appeals to you – no boss, no income limits as to time and wage, and the ability to let your personal drive determine your compensation – then you will no doubt be eagerly going over the many options available to release you from your current job.

However, the rush of financial excitement must be tempered by the necessary cost of time, money and effort in properly setting yourself up independently.

Despite income claims made by business opportunity companies, or competing businesses, you must be ready to accept the reality of not seeing personal income for several months – or even years.

Starting a self-employed business on the side, while keeping regular employment as your financial security, is a wise method of ensuring your income.

Another option is to have substantial savings that permit you the freedom to pursue your dreams unencumbered with other employment. However, the savings must also be capable of carrying the costs of developing a business along with providing for your material needs.

Do you also recognize the time that is required in starting your own business? In some ways it is almost unnecessary to bring up the point since your passion will likely drive you to spend many hours in your pursuits. If you have other obligations; family, job, social etc. then you will have to consider if you CAN devote the time needed to get your business off the ground.

Having discussed both money and time, you must recognize that there is much more effort extended BEFORE a business is profitable than at any other time in your business. Yes, once you are getting work and are satisfied with the income level you may be very busy indeed but you will then be compensated for it. When you are still cultivating your business – marketing, doing free jobs, searching for clients and customers – you may not be seeing any income, or a very meager one, which makes your EFFORTS seem immense.

Do not falter! If you come to the point when you are working your hardest and doing everything your business requires but still not seeing monetary results, you may hit a psychological wall. This is where truly entrepreneurial individuals see an obstacle to overcome as opposed to a dead-end to their hard work. Passion for their work and the strong desire to work for themselves overcomes any perceived barriers and moves them to keep going and ultimately becoming very successful.

By persevering you will certainly see the fine fruits of your labors and prove to yourself and others that the benefits of self-employment far outweigh the mediocre status quo of the typical worker’s daily grind.

3 Types Of Fx Trading Software

 

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If there is one thing that is important for you to do if you want to be profitable for the long term trading on the Forex market, it is that you need to automate some of your efforts in some way or another. This is typically done by using some form of FX trading software and there are dozens of different options that are available to you. Let’s take a look at the three most popular types of FX trading software in order to determine which ones might work well for you.

The first, and most popular type of Forex software that is available helps you to identify trends that are taking place within the market. They do this by looking at some of the trading signals, and different software packages might use different sets of signals in order to get their data. Once you find a program that you are comfortable with, you can run it once or twice a day in order to identify where the market might be running. You can then use this information to place your trades or as a general guide in your trading practices.

Another type of FX trading software is an automated program that you can turn loose on the Forex market and make money for yourself, even while you’re not sitting at the computer. Now that I have that statement out of the way, I need to let you know that it does not always work exactly that way. Yes, there are some automated programs that are available for you to use, but I would never recommend that you simply let them run without any interaction on your part. Use them as the tools that they were intended to be, but never let go of your own common sense in this regard.

Finally, there is often some form of FX trading software that is available within the Forex platform that you are currently using. Some of the software is universal and almost anybody can use it in their trading practices, while others may be more specific to certain trading styles. Take a look at some of the software that is available in your own platform, you might find that it is exactly what you need in order to increase your productivity and profitability in the Forex market. Otherwise, you can look to other sources for the software that they have available.

Basics Tips On Government Foreclosure Homes

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As the term implies, government foreclosure homes are sold by the government (or the Housing and Urban Development – HUD). Why would the government be selling a home? It will sometimes seize a property because the owner has not paid the required taxes on the property. In this case, the government repossess the property in the hopes of reselling it in order to cut its losses. There are other cases in which the government will take a home such as in the instance of a property owner who commits a crime on the property (the most common instances of this include drug manufacturing or sales). Whatever the case may be, the government is eager to get back its money and as in many other foreclosures, government foreclosure homes are often sold below the market value price.

Tax sale homes are the most sought-after deals in the foreclosure industry and are usually held between April and June. You can get extremely good deals on these types of homes because you may only need to pay off the property taxes that the owner of the home neglected to pay. This can end up being significantly lower than the worth of the home itself.

Homes that were previously involved in some sort of criminal activity are often sold at a public auction to the highest bidder and the opening bid for these types of homes can be very low.
The government has compiled a list of homes that are in foreclosure and it’s completely free to take a look at.

Some things you want to keep in mind. . .

HUD Homes are sold “as-is”, no matter what. So you need to figure out if it’s worth your time, money and effort to invest in a home. The necessary repairs may be more trouble than the home is worth.
Buyers have 15 days (starting at the time the buyer signs the contract) to get the home inspection. You must also obtain written permission from the HUD to have the utilities turned on.

Property condition reports provided by the HUD can be helpful in getting a superficial look at homes, but these should in no way be used as a substitute for a home inspection.

The good news is that not all HUD homes need complete renovation. In fact, some jmay need only carpet and/or fresh paint. It is possible to buy a HUD home that is in move-in condition. No matter what the state of the home, most buyers decide that new carpet or flooring and paint are the universal fix that everyone wants on their homes. However, extensive renovation projects usually only appeal to the handy do-it-yourselfers. Rennovation can easily take up to a year to complete.

Buying government foreclosure homes can be a little risky. The most important factor to consider is that these homes come as they are–so you need to fully understand the condition they are in.

Bad Business Vs No Business For Small Business Owners

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Should we turn business away as compared to getting into business deals, which are bad? The truth to this is that some business is always better as compared to no business. What we need to do within this article is define what is actually ?bad?.

What is bad business?

Bad business is essentially what costs small business owners dearly. This could possibly mean that these bad transactions could end up costing more than it is worth in the end. If you have shelled out money for materials, time, labor and money only to receive something not up to your company standard, then you have lost money on that particular job. Taking these, types of deals incur more money than you received for the finished product or service.

Follow your gut instinct

More times to none, business owners take on more work than they feel comfortable with in the beginning. Some will have a bad feeling about the transaction or maybe even suspect they will not receive payment or the customer has such unrealistic expectations that the business owners knows will not be fulfilled.

Make sure there is communication between both parties involved

You should make every effort to make sure that no matter the transaction, the deal is precise and profitable with the terms and conditions made clear as well as understood by both parties involved. This will ensure that both parties will be happy. One cannot avoid bad business deals from never happening but a little common sense can aid greatly with these ventures.

Do not believe that bad business is better than no business

Today our nation is experiencing very difficult times. Some will even state that although you lost money on a particular job that your name is still out there being networked and this makes the loss worth it, this is not always true in my book. Generally, the people who state this have very deep pockets and can afford the losses but for a struggling small business owner who has just started their business, jobs such as this can lead the company to failure.

What causes bad business?

Bad small businesses come out of a breakdown in the relationship between you and your small business. Through the misunderstanding of an expectation, you come to realize that often the expensive lawsuits result from jobs or transactions such as this; it is not worth it in the end to continually deal with bad business. You must adjust and learn from these deals, which have turned bad. It is obvious that no business is preferable to bad business. Bad business turns costly over time as well as time consuming and the bad publicity gained from this is horribly bad for business.

Through determination on the part of your small business, you should never leave details up for chance. You must ensure all parties involved with business deals are in full agreement unless you want these dealings to minimize your customers as well as your income.

Are You Above or Below the Average American Credit Score

 

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Your credit score could be the key to many doors of opportunity in your life or it could be the curse that holds you back. Not only is your credit score the deciding factor in whether or not you get a loan, it plays an important role in the amount of interest you will pay your creditors. And, for better or worse, even small changes in your credit score can make a significant impact in how you are treated by lenders or even by potential employers. The average American credit score is 692 out of 800 (according to Experian, one of the 3 major credit bureaus) which is considered on the lower side of “good credit” but can still get you a loan with a relatively good interest rate.

However, the next highest credit level is 720. Once you reach this level, you are in the “excellent” range and can definitely qualify for loans and very often at the best interest rates available. That’s why it’s extremely important that you stay on top of your credit and maintain a grasp of how the scores work. Knowing your current status and setting goals for your future status can help you to save thousands of dollars in interest that you pay on your various loans.

It is generally accepted that a credit score of over 620 will get you a loan. So if you are one of the people with the average American credit score, you can either be content with that and accept the fact that you are paying a little more on your interest rates, or you can start working on your credit to get it up to the level that will qualify you for lower rates.

There are many ways that you can improve your credit score.

First of all, the easiest way to establish better credit is to pay all your bills on time. How timely you are in your bill payments accounts for 35 percent of your total credit score.

Another good practice is to try to keep low balances on your accounts. This aspect represents 30% of your credit score. A good balance to shoot for is to have 50% or less of your total lines of credit used up.

Next, the longer your credit history, the better your rating will be if you have paid your bills on time. There is not much you can do to change the length of your credit history but you can make sure that your kids start out building good credit early so that they will have an advantage.

Having many sources of credit is usually a positive factor, as long as they are all managed well. Your credit variability accounts for 10% of your score.

Avoid signing up for many credit cards at once. This counts against you in your credit score. Limit your credit applications to what is really necessary and don’t just sign up for lots of credit on a whim. Are you above or below the average American credit score? Either way, you have many opportunities to bring up and maintain a healthy credit rating.

Can Your Business Survive

 

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Ralph Waldo Emerson said, “Build a better mousetrap, and the world will beat a path to your door.”

But when you’re starting your own business, there’s no guarantee that your “mousetrap” is going to survive, especially in today’s fast-paced business world.

Nearly half of all small businesses fail within the first two years of operation. The number one reason for business failure is inadequate planning. The second reason is under-capitalization.

So before you mortgage your house, or go into debt financing your business, you need to know if your business is going to do more than survive — you want to know if it’s good enough to thrive! Here are three things successful businesses that have stayed in business for five years or longer have in common:

1. The idea. A successful business start-up always starts with an idea. Something that makes your business stand out from all the rest. So how do you know if you’ve got a good idea?

You’ve probably got a good idea if you can answer yes to any of the following questions: Does your idea provide the solution to a significant problem for your target market? Does it satisfy a need or want? Does it create an opportunity?

The most successful businesses either fix problems (either real or perceived), or they increase your customer’s pleasure. They create a repeat need for a product or service among the target market.

2. The market. Your chances of survival are better if you can answer the following questions with a yes: Is there already a market for your product or service? (It’s much easier to fill a need than trying to create an entirely new market.) Can your target market afford to buy your products or services? (If they can’t afford it, it doesn’t matter how great it is, you won’t sell any!) Will your target market perceive your product or service as valuable? (If they want it, but don’t think it’s worth what you’re selling it for, you won’t make any sales.)

3. Your ability. Do you have the people, the resources and the knowledge to be able to consistently provide your products or services to your target market? Can you maintain a competitive advantage? Do you have enough manpower? Can you purchase the supplies and materials you need over the long run?

Your first step always is to create a solid business plan. Your business plan is more than an essay on “Why I deserve to get funding for my idea” however. Don’t spend all the time creating a business plan and then toss it in the bottom drawer of your desk. Your business plan should be a living, breathing roadmap that helps you make sure you’re on course and reaching the goals that you set for your business.

The second step to business survival is getting enough financing. Although the term “bootstrap entrepreneur” describes most small business owners, having enough capital to be able to keep your business afloat is vital to your survival.

When you’re creating your financial analysis of your business, make sure you’re being realistic about costs and expenditures, so that you give yourself the cushion you need to succeed.

If finding financing is a problem, either because you don’t have enough credit or equity, or there are other problems, take the time to look into the resources that are available in your community. There are a wide variety of grants and loans (including microloans) for entrepreneurs, if you know where to look.

Some great resources will be:
-The Small Business Administration
-Local Small Business Development Centers
-Women’s Organizations
-Local University or Community College
-Chamber of Commerce
-SCORE (The Association for Retired Executives)
-Nonprofit organizations that work on economic development in your area

Use other successful business models as a guide. When you’re getting started, look around. What businesses are successful? Why? What is it they’re doing that is working? What attributes do you admire, and why? You stand a better chance of succeeding if you’re modeling someone who is already successful.

Find a mentor. Most entrepreneurs have great skills and abilities, but no one does everything well. You probably already know what your strengths and weaknesses are. (If not, there are many resources and tools that can help you figure it out!) Rather than ignoring your weaknesses, find a mentor who can help you either build your skills in your weaker areas, or offer advice for getting what you need.

If you take the time to plan to succeed, you could be creating a legacy that will be enjoyed by future generations, and that other entrepreneurs will look at as a model for building their own businesses.