Remember the bumper stickers back in the nineties that said “Kill Your Television”?

Well, based on all the over simplified economic news coming from the major networks, the financial networks and radio too-it’s something to consider again. No doubt, when the challenges of the current economy are studied in history, a major factor driving the psychology of the event will be the media.

There’s one problem with “mass media”, sweeping generalizations. The broad brush-the it’s everywhere approach-lacks specifics for each of our own backyards.

The result is that a lot of business owners experiencing a slowdown just say it’s the economy. Newsflash, there are companies that make millions of dollars in bad times. So, it can be done. Here’s how:

1. Focus on Your World

The news is a sweeping generalization and has no problem letting us think this is the way of the world. Take a hard look at the reality of your situation:

  • Are you still in business?
  • Are you in foreclosure or in danger of getting there?
  • Do you work in a failed bank or investment firm?
  • Is your industry of field lined up for a bailout?

If not, pay attention to what’s affecting you–not what the media says is affecting us. Do you work. Reposition your produces and services to meet your customers changing needs. Don’t sit on your hands and blame the economy.

2. Protect Existing Customers/Clients

When was the last time you communicated with them without trying to sell them something? Bad idea if it’s been longer than a few weeks. Get a newsletter or ezine going now and a minimum of monthly. Figure our ways you can start right now to show them how you appreciate them. Show them you solve their problems and don’t be a source of their worries or fears. Even better, start making them some great offers the boosts value so they continue to spend money with your business.

3. Install or Crank Up Referral Programs

New marketing is expensive and referrals are far easier and cheaper to get. Your customers are like seeds in an apple. You can focus on how many seeds are in the apple. Getting referrals is focusing on how many apples are in a seed. If your clients like you, then you’re good for the people they like. Make that point clear and get referrals–now!

4. Know Who Buys What

Not all of your customers or clients buy everything you have to offer. Start breaking down your list to who buys what. Now you can sell what they want easier, identify and right buyer for new business. Then create campaigns to cross sell to your client base. No time? List companies can do it for you. Does it work? Well, there has to be a reason Head & Shoulders has 9 different shampoos.

5. Fix Your Customer Service

When business was for the taking, customer service wasn’t very important. Now, a lax customer service is the room where your competitors will drive a …

Launched in 2007, Max International offers health enhancing products with a patented formulation called MaxGXL. In addition to their products, they offer a business opportunity for those that would like to make a career marketing their products. Anybody can learn how to succeed with marketing, but can you really make money marketing Max International products? Can you become rich, and if so, how rich?

The Thing: Currently Max International offers a total of 9 products all relating to health enhancement. Their products mainly relate to support of all cells in your body by nourishing Glutathione, which protects the nucleus of the cell and is the primary protector of the Immune Cell.

1. MaxOne – This is the most advance Glutathione support supplement they offer. Each bottle providing 60 capsules with instructions to take just two capsules a day. MaxOne gives your body the nutrients it needs to fight oxidative stress and strengthen your cells’ immunity.

2. Max N-Fuze – This product is an Antioxidant Defense. It begins by giving your body advanced cellular defense, strengthens the body’s antioxidant defense, supports glutathione functioning, and gives your body other vitamins and nutrients such as Vitamin A and Vitamin B.

3. MaxATP – Designed to be the ultimate energizing glutathione supporter of all their products, served as a drink. MaxATP, replenishes energy reserves and helps fight fatigue, builds ATP in your heart and muscles, and increases vitality.

The Opportunity: Max International seems to have a good line of products to offer, but is their income business opportunity worth your time? Can you really make money through Max International affiliate marketing. They currently offer 9 ways you could get paid marketing their products including Retail Profits, Preferred Customer Bonus, FastTrack Bonus, Double FastTrack Bonus, Team Bonus, Unlimited Seven-Level Matching Check Bonus, Platinum and Diamond Leadership Pool, Global Bonus Pool, and Max Living Bonus. For most companies, multiple ways of getting paid is a great sign of a very lucrative business opportunity. We’ll discuss a few to see if the cash is there.

1. Retail Profits – This way of getting paid is pretty basic and usually comes with all affiliate companies such as Max International, in which gives members the ability to market their products and keep the remainder as personal profit. You are able to buy product as a lower cost, sell them for a higher cost, and keep the remainder. For example: If you buy Max N-Fuze for $15 a bottle, re-sell it for $35 a bottle, you keep $20 personal profit.

2. FastTrack Bonus – In order to get started in this company(we’ll discuss more later) you have to purchase some type of Product Pack. However, you can also earn money by referring a member into the business in your team. By doing this, that member has to purchase a Product Pack as well, allowing you to qualify for weekly FastTrack Commissions.

3. Max Living Bonus – To my understanding, in order to qualify for this Bonus you must achieve all …

1. Gather and Prepare Your Personal Financial Situation Status Quo

This kind of information can depend a lot on you as an individual, but it usually has to do with…

— your investments,

— your insurance policies (life, health, long-term care, property, liability, etc.),

— your retirement benefits,

— your tax situation (income tax, estate tax, gift taxes, etc.),

— your will or trust,

— your other estate planning information,

— your powers of attorney,

— any other financial information or documents you may need.

It’s helpful for you to put together some simple personal financial statements. These can be much like those that are used in business. They might include your personal balance sheet, an income statement, and other relevant statements.

In the case of a balance sheet and income statement, the assets and liabilities, as well as your income and expenses, are included in the statements. These can be combined, for example in the case of husband and wife, or separate income statements and balance sheets could be put together for each person in your family.

If you are using a professional, they may have forms already made up that you can use for these purposes.

2. Identify Your Goals and Objectives

This will take some thought, and is one of the most important foundations to your financial planning.

Put some time and thought into it, and the rest will fall into place much better.

3. Compare Your Current Scenario With Alternative Ways To Handle Each Part of Your Financial Planning

Relate it to your goals and objectives. Get the advice and information you need from others, including professionals, and make decisions for changing what is the status quo.

4. Develop and Put Into Place Your Plan

Not someone else’s plan, but YOUR plan.

Putting together the facts of your current situation, your potential future situation, your goals and objectives, and looking at those alternative ways of handling your case, you can lay down a plan that, while flexible, will act as a map for your future years in planning your finances.

5. Review and Revise Your Plan As Needed Periodically

Don’t think of your plan as carved in stone. Things change. Circumstances change. YOU change.

There may be family occurrences like marriages, divorces, deaths, births, changes of occupation, varying economic conditions, and many other things that enter into making financial planning decisions.

Put these five steps into play, and you’ll be glad they did. Read more. Absorb lots of information. But don’t let it paralyze you. Information plus action will take you a long way.…

Over and over I hear consulting clients tell me that they can’t get their personal training business to grow. They are stuck at certain level of success with their bootcamps and they can’t figure out why. Their service is higher quality and they provide more personal attention than bigger box companies. So what are they doing wrong?

The answer is usually small things that make all the difference. For one, they are trying to create a brand out of a commodity. That’s impossible. The public now sees personal trainers, bootcamps and challenges offered around every corner. Every magazine cover and every Facebook timeline is filled with opportunities for free and fee-based access to these services. They are generic.

When that’s true the only thing left for a customer to do is compare based on their needs. If your location is better, your price is right, or you’re physically less intimidating, for instance, you might get a shot. Those are random results. You want predictable.

If someone goes to find you on the internet through their Google search, will they find what they’re looking for in you? Few people go to Google to look for a bootcamp nearby. A frustrated woman doesn’t look for a personal trainer at night on her computer.

People are looking for solutions. They have problems. Those problems somehow become urgent. It may be a wedding, reunion, or summer season that makes them feel urgent suddenly. Use the questions that someone types into Google to help you be the answer they find.

What would you type in if you were a 47-year old woman who wanted weight loss? What would you type in for suggestions on diets that work for fast fat loss? Using those specific words on your website, your business card and in your signature on your email will help someone believe you are their answer.

Instead of listing you alphabet soup, choose the most prestigious certification you have and list it. If they want the full resume they can find it on your website. List the website or the blog URL instead of getting carried away. Make it a live link. Have a way for the customer to find content that adds value when they get there.

Create more than one signature on your emails. For communication with personal trainers who are seeking a marketing coach for instance, I list my personal fitness professional’s blog URL and the web page where someone can learn about coaching. For communication with my after 50 female market, I include my wellness webinar page and the URL for my book targeting that market.

By being able to see that I provide information for people navigating fitness after 50, a prospective customer knows instantly that I have solutions for them. They do not care until later what credentials or experience I have. Until my personal fitness professional clients know I have the answers to their fitness marketing mastery they don’t care what degrees or certifications I have. Most of …

A taxidermy business can be quite profitable as long as you have the right know-how. Many individuals will want their pets preserved, and hunters and fishermen will also seek out taxidermists to preserve their catches. Museums are also frequent customers if you’re really good at the craft.

Before starting a business, it is imperative that you have experience. Not many people will be willing to put their precious animals in your hands if you aren’t, even if you offer them a significant discount. If you don’t have experience, then take the necessary time to learn before you try to establish your business.

Whenever you start up any type of business, you will need to have a plan. You may be the best taxidermist in the world, but that won’t mean much without a solid business plan in place. It’s also a requirement to have good management skills and work ethics if you want to run a successful business. Also, you will have a very difficult time securing any financial resources without a plan.

Your taxidermy business will need to be setup in a good location. You will need to check the laws in your area, especially if you’re planning to run it out of your home. There may be issues with the local zoning laws to make this impossible. If there are issues, then you will need to find another suitable location.

Licensing and the associated fees will also be necessary. There will be laws regarding how you can run your business too. Depending on the state you’re in, you may be required to collect sales tax and send it to the state. Make sure that you find out all of this information before opening your business.

You will need to have competitive prices whenever you open your doors. The best way to find out what to set your prices as is to call around other taxidermy businesses in your area and ask them what their prices are. When you’re first starting out, you may want to charge slightly lower prices until you get more customers.

Networking will certainly help in this regard. As mentioned previously, hunters and fishermen commonly need taxidermy services. Therefore, consider reaching out to people in your area and see if they need your services. To get them on board, you may need to offer them a discount, especially if they refer some of their friends to your business.

With any type of business, you will need to get the word out to your potential customers. You will need to market your business aggressively instead of waiting for prospects to find you. Get yourself a listing in the phone book, and consider placing advertisements in your local paper.

It’s also a good idea to have a lot of business cards created and hand them out whenever you get the chance. Setting up your own website is a good idea too. You can use the website to showcase your skills so potential customers can see what you’re …

Insurance and finance are closely interwoven fields of business, not least because they both involve money. They also often both involve speculation and risk, and often where one goes, the other will follow. Take property investment for example, it involves a large amount of capital out lay, swiftly followed by insurance to protect the capital investment. It would be ridiculous to spend such a vast sum of money on a venture and not protect it against possible damage. It therefore makes sense to store information on these two subjects together, as the relationship is so logical.

Insurance is a form of risk management used to protect the insured against the risk of a loss. It is defined as the equitable transfer of the risk of a loss from one entity to another in exchange for a premium. There are different kinds of insurance for just about every conceivable event. The most common insurance is probably life insurance, which provides a monetary benefit to a decedent’s family or other designated beneficiary.

It can cover funeral or burial costs and can be paid out to the beneficiary in either a lump sum or as an annuity. Property insurance is one of the more necessary insurances as property is extremely expensive and if it is lost or damaged for some reason (fire, earthquake, flood) it can be very difficult to replace without adequate reimbursement. Travel insurance used to be seen as an unnecessary expense and is still viewed as such by many. Its importance is, however, being increasingly recognised by the public at large. It is cover taken by those who travel abroad and covers certain unforeseen events such as medical expenses, loss of personal belongings, travel delays etc. There are numerous other types of insurance, too many to mention, all vital if you want to protect something of particular importance to you or another.

In the world of finance there are many sub-categories, also too numerous to mention but a few will be included here. Forex, or the foreign exchange market wherever one currency is traded for another. It includes trading between banks, speculators, institutions, corporations, governments, and other financial markets. The average daily trade in the global forex is over US$ 3 trillion.

Tax consulting usually involves CPAs and tax lawyers in addressing any tax issues that you may have. There may also be Professional Strategic Tax Planners and Enrolled Agents, depending on the company that you hire. They will help you reduce your tax debt, eliminate tax penalties, an innocent spouse claim, tax liens, bank levies, and preparing unfilled tax returns, as well as any other tax resolution problem that you might have.

Property investment is usually when an investor buys property with an eye to generate profit and not to occupy it. It is an asset that has been purchased and held for future appreciation, income or portfolio purposes. In some instances an investment property does not have to be held for profit, as some landlords in New York …

Key Performance Indicators (KPI s) help businesses of all sizes from a small business or SME to a much larger company or organisation define and measure progress toward business goals.

KPI s are quantifiable measurements, agreed at the outset, that reflect the critical success factors of a business or organisation. They will differ from business to business.

KPI s are a critical tool in helping to ensure a business is focused on achieving its desired goals.

There are many examples of KPI s but it is important to recognize that they will vary from business to business and will depend on the specific objectives of a business at a given point.

Finance related examples of KPI s may include any of the following 25 examples of KPI s which is not an exhaustive list:

  • Accounts Receivable Collection Period
  • Cash Flow Return on Investments (CFROI)
  • Cost Income Ratio
  • Cost per payslip issued
  • Creditor days
  • Cycle time to process payroll
  • Cycle time to resolve an invoice error
  • Debtor days
  • Direct costs
  • EBIT
  • Fixed costs
  • Gearing
  • Invoicing processing costs
  • Number of invoices outstanding
  • Number of overdue invoices
  • Percentage of bad debts against invoiced revenue
  • Percentage of financial reports issued on time
  • Percentage of invoices disputed
  • Percentage of invoices under query
  • Profit per customer
  • Profit per employee (FTE)
  • Profit per product
  • Profit per project
  • Return on capital employed (ROCE)
  • Return on Equity (ROE)

There are literally hundreds of KPI s that may or may not be applicable to your enterprise. The key is to identify the ones that a critical to the success of your enterprise.

KPI s are a very valuable performance management tool for sole traders and SMEs through to larger companies and international organisations. Sadly, the need for the use of KPI s is not as understood as it should be in SMEs so therefore are not used as often as they should be.

Small business or SME owners need not be afraid to embrace the use of Key Performance Indicators as there are a number of business to business consultant resources that are there to help a SME develop and identify a dashboard of the most relevant KPIs for their operations so that there is a true understanding of what drives the underlying profit performance which therefore increases the likelihood that an owner will be successful in meeting the stated goals and objectives for that enterprise. Knowledge is power as they say and monitoring KPI s provides that vital knowledge.…

H2O At Home is a direct sales company founded in 1997. They started off in France and opened shop in the USA in 2009. They offer clean, non-toxic, eco-friendly related products for a variety of purposes. Additionally, they offer a business opportunity for entrepreneurs looking to making an income marketing their company or its products.

The Thing:

H2O At Home offers natural home care, organic personal care, and natural home fragrance. They provide products using their “3 E Concepts”, Efficient, Eco-Friendly, and Easy To Use. Their products are not only designed to be effective, but more importantly safe! Therefore, no more fretting over your child potentially being able to get a hold of the harmful chemicals in your household!

  1. Natural Home Care – They have several home care related products in this category but overall it is designed to save you money, ban toxic-chemicals, give you the ability to clean with water and their non-toxic chemicals, use less product to get the job done, make the cleaning process faster and easier, and includes only natural ingredients. Such items included are their Cleaning Clay Kit for things like ceramic or ovens, Lime-scale remover, Purifying Laundry Power, and many others.
  2. Organic Personal Care – This category includes Facial Care, Body and Hair Care, and Microfiber Bath Towels and Accessories all with 100% natural and organic ingredients.
  3. Natural Home Fragrance – All the products in this category are made with 100% natural essential oils to provide a safer home while saving you money. Items included are Aroma-therapy, Scented Extracts, Essential Oil Diffusers, and many others!

The Opportunity:

The question still remains; can you really make money with H2O At Home? In order to answer this question accurately, we need to look into their Compensation Plan, which is awesome fun and exciting!

It appears that there are 4 ways you could start making money with H2O At Home such as Personal Sales, Team Members Sales, Bonuses, and Rewards. I will briefly explain them below!

  1. Personal Sales – You are able to profit 25% to 40% commission from all of your personal sales.
  2. Team Members Sales – With this payout, you can receive 10% of your personally enrolled down-line members’ sales.
  3. Bonuses – They offer a Fast Start Bonus, eligible for new members for their first 60 days to earn up to $400 in rewards or personally enrolling someone into your team.
  4. Rewards – This isn’t necessarily a payout, however, you could earn 10% to 15% of your product sales in free product. That’s right, free!

To Conclude, Yes, You Can Make Money With H2O At Home!

The Cost:

For some, this is the most important question before joining H2O At Home or any company like this! It’s important to remember, however, that all businesses require some type of start-up fee! However, in this industry, it is generally much cheaper to get started then it is in a traditional business that could cost around $30,000 to start!

In order to get started with H20

Employers’ Liability Insurance (ELI) and Workers Compensation Insurance (WCI) are two important insurance covers to protect the interests of employees, as well as employers. There are, however, certain differences between the two. Due to these differences, it may result in wrongful litigation and consequently anxiety to parties involved. The differences between ELI and WCI are relating to where they apply and what they cover. We will discuss about them here briefly.

Where they apply

Employers’ liability insurance

As an employer, it is mandatory for you in UK to purchase employers’ liability insurance. Not purchasing attracts penalty under law. In certain situations your employees may feel that you are liable for job related illness/injury which they may sustain and they sue for this. If it is really a case, it may bring in expenses such as hospitalization, financial compensation and the like. ELI helps you under such circumstances.

While it is mandatory for you as an employer to have ELI, your employees need to prove that the job related injury/illness is because of your negligence. Imagine yours is a lumber business. While working, your employees should have the necessary equipment, training and skills to operate them. If you employ them without teaching the safety norms, imparting the training and checking the fitness, and they sustain injuries, it will amount to your negligence as per rules framed under Employers’ Liability Insurance Act and employees are likely to feel appropriate to sue you, because you are liable.

Workers compensation insurance

On the other hand, workers compensation insurance is a cover for the welfare of the employees. It depends on the circumstances that are the tone of relation between employer and employees. Thus, if you are more concerned about employees’ health and safety, you need to purchase this insurance. It does not matter whether it was your fault or your employees’ fault that resulted illness, accident or death, this insurance comes to your help.

Coverage

Employers’ liability insurance

As an employer, you have to go to court of law if the affected employee sues you. You need to pay financial compensation and bear the hospitalization and medication. ELI covers all these expenses.

Likewise, for employees ELI covers the permanent and temporary disability, injury and wrongful death at workplace. It covers the cost of litigation as well.

Workers compensation insurance

For employers, WCI is a Good Samaritan. In most cases, it ensures that your employees do not resort to litigation. However, in such unfortunate event, WCI covers the expenses because of litigation. It covers the financial expenses to be given to the affected employee for work-related injury, illness or even death.

Employees when inured at workplace, under WCI, are guaranteed to get compensation from the employer to cover medical and hospitalization expenses and certain portion of wages. In most cases, it is two-thirds or more. WCI covers the expenses on litigation, by the employee. In general, WCI takes care of the situation and makes sure that litigation on the part of employees is avoided.

WCI …

As a fitness trainer there are 10 personal trainer business values you should live by. The most successful fitness pros master each of these 10. Therefore, I highly recommend you incorporate each of these into your fitness business.

When you conduct business with a new client you must talk about expectations. Not only expectations of them, but also for you the personal fitness trainer. Failure to do so will start the client-trainer relationship off on the wrong foot.

I highly recommend you instill 10 core values into your personal trainer business. Doing so will show not only greater professionalism, but also improve communication between you, and your personal training client.

10 Personal Trainer Rules To Live By

1. Be the best you can be.

Always strive to improve your fitness knowledge by investing both time, and money into additional personal fitness trainer knowledge.

2. Be accountable.

Hold your personal training clients accountable. Contact them regularly in order to help them stay focused on their goals.

3. Be kind to all of your personal trainer business clients.

It is important to treat each client fairly. Treat every client like they are your best client.

4. Be prompt.

As a professional you must be respectful of your clients time. Create certainty in the minds of your fitness clients by being prompt all the time. Show professionalism, and respect.

5. Be flexible.

Constantly strive to alter your personal training business clients program in order to yield the best results. Certain fitness programs may not work best for a particular client. It is your job to be flexible, and find out what does.

It is also important to be patient with each client. Be flexible!

6. Be present.

As a true fitness professional you must devote 100% attention, at all times, to your paying clients. The session is about them, and not you. Focus fully on the client.

7. Be fit.

You are an extension of your personal trainer business. It is your job to practice what you preach, and stay fit. Set a good example for your fitness business clients. Remember, you are your own walking billboard of health and fitness. Be your best.

8. Be fun.

Being fun means training personal training clients with energy. Bring your A -game to each session. Be motivating, and inspiring. Your enthusiasm is contagious!

9. Be fair.

Don’t show favoritism to certain clients. Treat all personal trainer business clients fairly.

10. Be creative.

Don’t give your clients the same workout over, and over again. Change things around. Be creative. Doing so will keep clients motivated, and interested.

If you are interested in running a highly profitable personal trainer business, then following all 10 of these core fitness trainer values is important. Doing so will separate your services from competitors, and help you profit. Follow the 10 be’s.…