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5 Must-Read Business Books

The self-employment bug is in the air… and it’s highly contagious.

How do we know?

Exhibit 1:

The explosive growth of coworking spaces. These airy, light-filled, lease-free flexible office arrangements are popping up in droves and teeming with entrepreneurs who gather to collaborate and innovate.

Exhibit 2:

A recent Forbes article suggests a record number of Americans scratched the entrepreneurial itch in 2013. Data released by Babson and Baruch Colleges suggests that last year 69{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of new businesses in the U.S. started at home and that 15 to 20{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of our workforce is engaged in running a startup or a more established business.

Exhibit 3:

We can personally attest to a surge in demand from our clients for small business tasks such as website development, logo design, social media scheduling, and PowerPoint creation.

Once we became a trusted resource, clients wanted a one-stop-shop. In addition to handing off those pesky time-consuming tasks that we happen to love (like negotiating with your phone carrier on overage charges, or seeing if “unbundling” your cable is even an option) clients wanted us to sort through their inbox and file them accordingly (how nice would it be to open up Outlook and see a big fat goose egg-zero-emails!).

We were only too happy to oblige. We hustled back to the drawing board, built up the team we needed to sufficiently add to our repertoire, and launched our Premium Service offerings.

Now, we’re proud to be a go-to resource for affordable outsourced business services.

As we send each of you off with a newly launched website or punched up logo, we’re silently applauding you. We’re rooting for you. We want to see you succeed. That’s why we’ve compiled a list of five actionable business books that’ll provide you (or the newly minted entrepreneur that you love) with the advice, insight, and tips they need to persevere.

Afterall, coming up with the idea is the easy part, where entrepreneurs often fall short, is in the execution. You’re the glue that holds it all together. You’re going to need to become a master delegator, persuader, communicator, team builder, and goal setter. Our top 5 picks address each of these issues.

1. The Four Hour Workweek, Timothy Ferriss

Whether you’re in a soul-sucking job, or trapped underneath your own business, Tim Ferriss teaches you how to “escape the 9 to 5, live anywhere, and join the New Rich.” He’ll break you of misconceptions, such as the need to work 40+ hours per week to be successful, and instead advocates newfangled ideas such as a series of “mini retirements.” He’ll show you everything you need to establish a business that runs without you, and get you focused on how to streamline, eliminate distractions, and automate.

2. Think and Grow Rich, Napoleon Hill

One of the best-selling books of all-time and an acknowledged wealth-creating tool, Think and Grow Rich has sold over 70 million copies-and for good reason. Napoleon Hill, a former advisor to President Roosevelt, spent 20 years interviewing …

How to Increase Your Chance of Business Loan Approval

Lending companies are willing to extend loans to businesses but they need a guarantee that the loan will be promptly repaid. Established businesses that are doing very well in the market have a great chance of approval. On the contrary, if you own a new business or a start-up business, applying for a loan the first time can prove to be a challenging task.

After the challenge, it does not mean you should not try to apply for a business loan at all. In this article, let us discuss the strategies you can do to increase your chance of getting an approval.

Know the Prerequisites of the Business Loan

Generally, lenders will require the submission of your financial records for the past two years or if you're a new business, since the time you started. You must also prepare proofs that you are running a legitimate company such as permits and licenses.

For new and start-up businesses, a sound business plan will be expected. Your business plan must present a clear explanation of the type of business you are running and must include monthly cash flow projections since you started your operations.

For established businesses, make sure that balance sheets are accurate as any discrepancy in the details may cause an alarm. Business lines of credit you have previously agreed will also be evaluated. Yes, your business credit history will be closely reviewed.

But what if you have yet to build up your corporate credit history? In this case, your personal credit history as the owner of the business will be taken into consideration. How you manage your personal accounts such as loans, mortgage, and credit card debts will show a potential lender your ability to manage a business loan.

This is why it is recommended that you obtain a copy of your personal credit report prior to submitting your loan application. In this way, you can still correct errors or inaccuracies that may be included in your report which could have been pulling down your score.

Needless to say, the same advice is also applicable even to owners of established businesses. Check both your corporate credit and personal credit history to make sure that both your personal and business credit profiles are in good standing.

Preparation Is Vital

Indeed, preparation is very important when applying for a business loan. Financial experts recommend making investments in assets that generate income such as inventory or equipment. You should also avoid major changes in the structure of your business a few months before submitting your loan application. Remember that you need to show a potential lender that your company is in a stable state.

Aside from bigger banks, it is also worth the effort to check out what business loan programs that are available from your local bank. Smaller banks may be more inclined to finance a new business, especially if the owner has been a long time customer with an existing personal account with the company.

Do not submit different applications …

Networking For Business Profits

Business networking can be very simple and profitable activity for you to do to get more work for your business, it can also be very frustrating and a waste of your time depending on how you do it

What is business networking?

Business networking is a simple marketing strategy by which business opportunities are created through networking / association with like minded business people.

Types of business groups:

o Your own circle of friends and associates

o Business associations – most industry types have their own association that you can go to

o Purposely structured business referral groups – there are many professional organizations – check your local area and see who is operating

o Start your own?

Benefits:

o Low cost dependent upon activity – if you join a structure referral group membership fees and costs can be quite reasonable.

o Mix with other like minded business owners.

o Learn new ideas and hear about what other business owners are doing.

o Support network

o Develop new friendships.

o Generate business leads from word of mouth advertising – if you are in a referral group and say there is 20 members; it's like having 20 salespeople work for you for free

o Sole advertising – some groups only allow 1 industry type to be represented within the group (example: 1 carpet cleaning company), once you join you in effect lock out your competition from joining – meaning you have access to all leads for your industry.

Things to look for when considering groups to join:

o Check to see if your competitors are already there

o Most groups allow you to visit a couple of times before you have to commit – during this time take note of amount of business being passed through the group and the quality.

o Take note if the group looks to be more of a social group than a business referral group (unless you are looking for a social group?)

o Grab some members business cards and contact a few after the meeting to get their honest feedback and how profitable it has been for them.

Word of warning: if you are looking for a group to get more referrals from, and the results from the above tips gives you a negative feeling – find another group …

How to maximize your return from networking:

o Do not be pushy – spend time building rapport and finding out about other peoples businesses; it pays off in the long run ..

o Collect business cards from others you speak with – always follow up with a phone call or send them a thank-you card thanking them for their time – follow up with a phone call to arrange a time to drop out for a chat to find out more about their business.

o Provide leads to others – do not wait for leads to come to you, if you can provide leads to others straight away do so – it will come back …

Online Banking – Easier Form of Personal Banking

With the advent of technology, internet has given us the easiest option of paying our bills right from the comfort of our phones. Now you no longer have to write checks, visit post offices, etc, as the online banking system takes care of your needs. The regions online banking just gives you the liberty to bank anytime and from anyplace. It is one of the safest forms of securing funds, paying bills online and also transfer of funds

It would seem that not a day passes by without the media once again stirring up public fears and concerns by broadcasting yet another scandal/controversy regarding the perils of the internet and more in particular, the inherent threat that it poses to online businesses, ecommerce and the bank details of consumers.

Every other day the newspapers is filled with awful news about the various scam involving online frauds, which scares the public to no end and it also raises several questions regarding the working of the online-businesses such as ecommerce, trading transactions, etc. But with the regions online banking, you can be assured of a safe and secure way of online transactions. They also offer the mobile banking system, where you will have to select the “Mobile-Banking” tab and you are logged in instantly as you follow the further instructions.

Personal Regions online Pay is one of the most secure and safe electronic form of payments, which is supported by a service, that is able to link more than 500 banks, and almost I million users who are registered can access it. You will find that this form of banking is much faster than the postal-service and it costs quite less, every time you are sending money. You will find that money is credited in your account within a single business working day and likewise debiting.

The incidence of hacking of data is on the rise, where you will find that the personal and financial information of people are stolen, which can be used illegally leading to unauthorized-transactions. The online banking system community has faced a lot of flak for the financial irregularities which keeps on happening due to the internet scams. The need of the hour is to come up with an effective security system, which the regions online banking has introduced called the “Intelligent-Authentication-System”, where you will find that apart from the traditional security- features you would also get extra benefits such as secretly protected password accounts, the number of times the login has been made will be not only monitored but recorded as well. The bank has also come up with an interesting security system, where you will find that as soon as a person is logged idle on to more than 10 minutes, the session automatically expires, whereby again login is required by the user.

The regions online banking makes sure that the personal identity of the person is well protected and they do not believe in giving the personal details of their clients to other companies who …

How to Make Money From Home by Becoming A Virtual Tutor

I love teaching. I have been a teacher from the time I started teaching my kid sister the alphabets. The pleasure and satisfaction I derived from the simple act of sharing knowledge was tremendous. So it surprised no one when after my college I took a teaching degree and joined a prestigious school.

But life has a way of handing out surprises. Family responsibilities took their toll and teaching suddenly became a chore. And one fine day I quit. That day I started wondering how to make money from home as I did not want to give up my financial freedom.

I tried my hand at different work at home job opportunities. I utilized my computer skills and made some effort to find a work at home computer job. I tried writing, proof reading and even translation to make money at home. But my heart was not willing and frustration soon set in.

I knew that the only job that would bring a smile to my face was teaching. But I did not have the time to devote to it. And ultimately the question was not how to make money from home. I wanted a work at home job that would satisfy me monetarily and emotionally.

Tutoring Is a Viable Work at Home Job Option

It was then that I chanced to see some part time tutoring opportunities. I took the idea a step further and started offering tutoring sessions in my house for a small group of students. With one single stroke I had a work at home job that I liked and was making money at home.

True, the amount was far less than what I earned as a teacher, but it was an opportunity to make money at home. I was finding satisfaction in my work at home job as a tutor and my timings were flexible enough to attend to my family responsibilities.

At last I was doing a work at home job that I liked and the smile was back on my face. The question, how to make money from home no longer haunted me.

Virtual Tutor Makes Teaching A Work At Home Computer Job

Then one day I saw an advertisement for a work at home computer job that required teaching skills and promised that it was a novel way to make money at home. Curious, I decide to follow up. What I found was a wonderful opportunity to make money at home combining my teaching skills and Internet savvies, which resulted in a work at home computer job.

Yes, it was an advertisement for online tutoring services, that wonderful web of opportunity for people like me who wanted to turn their passion for teaching into a well paying work at home job, or rather work at home computer job.

Their strategy was simple. They had online classrooms where students could join. They wanted teachers who could ‘virtually’ teach them. The computer took the place of the blackboard and the classroom became a virtual …

Coverage of Commercial Auto Insurance

Commercial auto insurance provides security to your owned vehicles or for the vehicles used in business. It can provide insurance coverage bodily injuries and as well as liability coverage. Vehicles which are commonly used for commercial purposes include trucks, car, buses, vans and trailers.

There are different types of commercial auto insurance coverage to choose from and are available depending on your need for coverage.

Business insurance is a security provided for personal travelers and commercial autos which may be involved in any business. Not included in this type of insurance are cargo companies, auto dealers and auto service companies.

The commercial auto insurance can provide primary coverage. This covers legal responsibility and liability, cost of protection and many more. Also, bodily injuries are also covered in commercial auto insurance. Although it gives security and protection from injuries, this is different from the personal auto policy.

Other coverage includes comprehensive and collision coverage which is useful for defined threats should there be a reason liable for any losses. The collision coverage covers repairs, and may restore or compensate the auto.

Under the business coverage, auto dealers are not allowed in its coverage but may be covered under the Garage Coverage. This includes liability and bodily injury coverage and as well as insurance for garage keepers.

By virtue of the Motor Carrier Act, truck owners are sanctioned to confirm and comply with financial requirements because they will be the ones liable for any losses during the duration of the process. Because of this, insurance company provides trucker's coverage to truck business owners.

For more information about this article try to visit Auto Insurance . …

Use Online Audio to Make a More Personal Connection

Audio can be the perfect vehicle for business owners – especially speakers, trainers, consultants, coaches and other infopreneurs – to distribute their message and promote their business. It makes a stronger connection than just written text, and it’s easier to produce than high-quality video.

In the past it was costly and difficult to provide audio online. The Internet was slow, special software was required and the quality was poor. But that’s no longer the case. Now it’s easy to deliver high quality, fast loading audio content on your website.

Why audio?

Here are some benefits of using audio on your Web site and in other ways:

  • Make a personal connection: Audio creates a more personal connection than written text, because the audience hears your voice.
  • Create an experience: You can combine music, voice, sound effects and more into a richer experience than written text.
  • Portable audio devices: People don’t have to listen at their computer, and can do it while multi-tasking.
  • Easy to create: It’s easy to record audio – all you need is a microphone.
  • Teach something: Some of your educational material might translate well to audio.
  • Take control: It’s relatively easy to record, edit and publish audio yourself.
  • Gain a competitive advantage: Despite these many advantages, most businesses are not using online audio effectively.

Why now?

Three things now make online audio feasible and attractive:

  • Better Tools: There are easy tools for you to create high-quality audio clips and publish them on the Internet. You no longer require specialized complex equipment and software.
  • Broadband Internet: The cost of broadband Internet has decreased, and more and more people now have access. In the past the problem with audio was that it took a while to download and streaming audio quality was terrible – a jerky buffered sound. Broadband has now made it possible to have high quality streaming audio and easier download of large audio files.
  • MP3 and embedded players: In the past, there were many different audio formats and players. So it was a bit “hit or miss” as to whether your users could listen to your audio clips. Now this has sorted itself out into two standards: MP3 as the de facto standard for audio files; and HTML5 or Flash as the commonly-used technology for playing audio on Web sites.

What content works best in audio?

There are many types of content you can publish – here are just a few:

  • Articles: Read your newsletter articles out loud.
  • Teleseminars: Record your teleseminars and publish the recordings.
  • Webinars: If your webinars aren’t highly visual, you can publish them as audio as well.
  • CD extracts: If you have already created CD products, convert them into downloadable MP3 files.
  • Interviews: Interview other experts, or ask them to interview you.
  • Book reviews: When you finish reading a book, record a brief book review.
  • Presentations: Record your workshops, seminars and other presentations.
  • Consulting sessions: Record private coaching, mentoring or consulting sessions.
  • Audio books:

Earn Money Fast – How to Do it on Your Own

Picture this, you head off to sleep on a weeknight and just when you feel like your body has begun to get some rest, the loud sounding of your alarm shakes you and wakes you up from a supposedly good sleep. You head for the showers, barely anticipating another day in the office ahead of you. Imagine having to take orders from your bitchy boss, sitting all day at the office and having to finish all your work in a day. Would not you rather have it some other way? You could change all these and at the same time earn money fast.

Technology has provided you with options which allow you to party all night and sleep in the next morning without worrying about having to wake up early for work. There are several different options for you to earn cash from the comfort of your own home. If you think these are the only good things you get out of working from home, think again. Not only will you earn money quickly but you will also have all the time you'll ever need to spend on other important things like your family. Imagine, never having to commute to work. All you have to do is walk to where your computer is and get to work.

So what exactly is it that allows a growing number of people to do this? Internet marketing. Starting a business of your own and managing it yourself could not be any more convenient than doing it online. Given the right knowledge and background on the business, you can work with a plan to generate income non-stop. Money will be continuing flowing into your bank account without you having to worry about anything. In addition to this, you can get money quicky at a pace that you control. Work whenever you wish and wherever you want. This time, you would not have to wait for a promotion to get a salary increase. You just continue to earn more and more money as your business thrives.

However, some starting entrepreneurs have become disappointed once they try to take on online businesses. This is because they expect to earn tons of cash right away when they're not even aware that what they are doing is wrong. It's not always uphill when you start your own business. It is only natural to start earning small and increase gradually as your business grows. Another setback for online entrepreneurs is the fear of taking the risk in the business. Internet marketing is an industry wherein you would really have to take the leap if you want to earn money quickly. You have to have a lot of courage and you have to believe in yourself. A little confidence goes a long way together with knowledge on what you are doing. All you need to know are the basics and you're good to go.

Do not let anything hold you back from reaching your goal. If you have the determination …

Windmill Generators – You Can Save Big Money With Windmill Generators

Though the use of windmill generators has grown within the general public of the world, I am still surprised that the idea has not taken off more than it has. I think that within the next 10 years or so, windmill energy will be used by most homes and businesses. This is due to a variety of reasons and I want to explain two of them in this article.

The first reason is because windmill generators cause absolutely no harm to the environment. The materials are all safe, and the energy is captured without hurting our planet it any way. Environmental groups are backing the use of windmills pretty strongly. Even people that are not extremely concerned about environmental issues are seeing the benefits of renewable energy.

The second reason why people are turning to windmill generators so much is because they can save a ton of money! Paying bills every single month is something that everyone has to do, but I guarantee that no one enjoys doing it.

Windmill energy is very easily obtained and can save a huge amount on your energy bill. In some cases, many people are not having energy bills at all after turning to windmill power. Common percentages being saved are around 70{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}-80{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}. These numbers are amazing.

If you are genuinely interested in the possibility of using a windmill generator to power your home or business, I recommend you take the next step in getting one.

My website, which is linked to below, reviews the top 3 home energy programs that include instructions on how to make a windmill and how to harness a windmill’s energy. Also, you can find out how to get some free materials.…

Starting a Private Server – Attracting Players, Having Fun, Profiting

Some of you maybe already own one or multiple private servers; some of you may yet be starting out with your very first private server, thinking: “wow, how do I compete with servers that already have over 500 or more players?” In general, you don’t. Here’s a couple of practical tips and information you need to think about.

Lots of mmorpg players

The reason most servers have a high player base is that because they have been around for a couple of years, or their owners already spent (a lot) of money advertising the server using different methods.

When starting a private server, your main goal should be to entertain your player base, make them feel like they are part of your community, not a money making machine. A lot of people want to create a private server because they think it will make them money, well; it CAN make you money.

Starting a private server is much like starting an internet business, I will take it upon me to quote one line from an e-book I have read, the line states “Knowing, Caring, Profiting”, and these are exactly the steps you need to take to start a successful private server.

You will need to KNOW what tools are required for starting the private server; tools can be money, hardware, knowledge, connections.

You genuinely need to CARE about your server; this means everything that comes with it: players (community), scripts (setting up custom content), server (maintaining a lag-free environment). This is of course not everything, but these are probably the issues you will mostly be busy with.

After you gain all knowledge that is needed to set up the server, as well as showing that you actually care for the players and the community by participating in play or running awesome events, you can PROFIT from it by asking for donations in exchange for items or services.

Knowing

Knowing also means that you know which type of private server you want to run, this goes hand in hand with caring for the content and topic your server is started for; if you do not care about World of Warcraft, do NOT start a World of Warcraft private server. You might want to be tempted to do this because WoW is very popular, but this also means that there are a lot of other private servers trying to make money from it as well.

Another part of knowing is diving into the documentation that comes with the private servers, setting it up is relatively easy, you can set up a Ragnarok Online private server within 15 minutes and have players coming to it. The main thing your server will need to even remotely compete with others is “content”; yes, every game has its own content but why would players come to a server that has 0-10 players instead of one that has 1000+ and has some custom weapons? Exactly; they won’t.

This means you will have to think of unique content …