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Archive of posts published in the category: business

Want a Free Car Insurance Quote in Billings?

For people living in Billings, Montana, the time has never been easier to save money on your car insurance. There are many insurance companies out there looking for your business and its free and quick to find out who has the best deal for you.

Nobody likes paying for car insurance. Every year it sees to get more expensive, and every year it looks you have another car to insure. Your son's new car, granddaughter's car, your husband's second car for the weekend. It never ends! This is not too mention the deductible, the collision, different premiums, discounts … finding out which is what and how much of this do you need, or is that really necessary.

But there is help. With the advent of the Internet, there is now the opportunity to both learn and save more on your car insurance. With a cup of coffee and a few clicks of the mouse, you can easily be on your way. There are many, many insurance companies out there, but dont let that scare you. Turn it to your advantage. Think of it this way: They are all competing for your attention and they know you can just as easily go to the guy across the street, and they have lost you as a customer forever.

There are services out there that will provide you with different quotes from different companies to let you see for yourself and to decide for yourself, who you would like to do business with. These services are free and they are fast, usually taking only a few minutes. Then, with this new information at your hand, you are now in a position to not only get what you need, but also what you want. And save money doing it. …


How To Make Money From Boxing

If you want to make money from boxing, I suggest you *don’t* follow in the footsteps of Lennox Lewis.

As I write this in the spring of 2007, it’s rumoured that Lewis is considering a comeback in his 40s.

Lewis is that rare beast, a heavyweight champion who retired with his title intact, but they always say that fighters can’t give up, and the lure of a big payday is tempting him.

It’s rumoured that he could get $25 million for one fight.

Now that’s a lot of money, but I don’t suggest that you should get into the ring to make money from boxing!

Let’s face it, it is only the very few elite that make a lot of money, and most of them end up broke!

So, if we’re not getting into the ring, how else can we make money from boxing?

I want to cover 3 methods, including the technique I use.

Firstly, you could take up boxing promotion.

Remember how I said that most champions end up broke?

That’s because most of the money seems to end up with the managers and promoters.

Although there seems to be a lot of money there, this is a route for the long term only – it would take years to build up a business of any note, and then you’d still have to compete against the few who seem to control all the big fights.

The second method, and this is much more realistic, is to become an affiliate.

As an affiliate, you don’t need a website, you don’t need any stock, you simply send traffic to other companies’ sites, and they pay you a commission of any sales generated.

There is a huge variety of things you can be an affiliate for – from equipment like gloves and training gear, to tickets and pay per view subscriptions (this is where the bulk of the Lennox Lewis $25 million would come from.)

There is also memorabilia, books, dvds, posters, etc.

In fact one of the consistently best-selling sports posters is of Ali standing over Liston in the ring.

So although this can be a good revenue source, it has the downside that you are competing with all the other affiliates.

Great for the company concerned, not so great for the affiliates.

The third method is the one I use, and it’s to provide information.

Boxing fans will spend money – that’s proved by the pay-per-view model, so if you can provide information on how they can earn money to cover their expenses, you have a willing market.

How about if you showed them how they could earn enough money to make trips to see the fights in person?

To buy all the books and videos they’d want, to indulge in collecting memorabilia – do you think they’d be interested?

You bet!

Information can be produced and delivered without cost nowadays, and this is why I use it myself to make money – there is no reason why you …


Why (and What) You Need To Be Reading If You Want To Be Leading

My favorite quotation (and yes, the word is “quotation;” “quote” is a verb, thank you) from Harry S Truman (and no, there’s no period after the “S,” because it’s not an abbreviation; “S” was his entire middle name – my goodness, I’m being irritatingly picky today!) is this one:

“It’s amazing what you can accomplish if you don’t care who gets the credit.”

But my second favorite quotation from Harry S Truman is this one:

“Not all readers are leaders… but all leaders are readers.”

(Before I go on, perhaps I should point out that we’re talking about “leaders” here, not “people who happen to have the title of ‘leader.'” They are not necessarily the same thing.)

It’s a simple equation: if you want to be a great leader, you need to be a great reader.

In a wonderful article from StartUs Magazine, Dave Olsen outlines five reasons for leaders to be readers:

  1. Reading elevates us above our current situation.
  2. Reading multiplies our experiences.
  3. Reading allows us to spend time with smart people.
  4. Reading can quickly build our expertise.
  5. Reading gives us an escape.

If at least three out of five of these reasons don’t excite you, then you have no business calling yourself a leader. That’s because most of these reasons are about growth, and if you’re not interested in growing, then you shouldn’t be in a position of influence over others. Period.

All of this, of course, begs the question: what should you be reading?

That’s up to you. But over the years I’ve developed a loose system for myself, and I invite you to steal it (or any part of it) for yourself.

My “system” is this. I always have a least four books going at any given time:

  • A non-fiction book on my area of expertise. For me, this means Leadership, Creativity/Innovation, and Producing Under Pressure. Currently, I’m reading Choke: What the Secrets of the Brain Reveal About Getting It Right When You Have To.
  • A non-fiction book to help build my business. This could include sales, marketing, social media, branding, networking, or any of a number of other topics. Currently, I’m reading All About Them: Grow Your Business By Focusing On Others by my friend Bruce Turkel.
  • A non-fiction book that has nothing to do with my business. These tend to be – although not exclusively – biographies and histories. Sometimes I’ll intentionally pick a topic in which I don’t necessarily have an interest (and often, the book will change my mind). Because of growth. Currently, I’m reading Divorced, Beheaded, Survived: A Feminist Reinterpretation of the Wives of Henry VIII .
  • A fiction book. Preferably quality fiction (I tend to seek out Man Booker Prize finalists and winners), but occasionally just a fun “airplane book” read. This is my nighttime, just-before-bed reading. I just finished A Tale For The Time Being by Ruth Ozeki, and am starting Ian McEwan’s The Innocent.

I’m not saying you need to be reading four books all the …


Online Money Making Opportunities – Making Money Online Easily and Quickly

There are a number of scams out there and its important to be able to sort out the real online money making opportunities. Do not believe the hype that its simply a matter of setting up a web page and watching the money roll in. Like any other business the internet business needs to be built with skill and determination. The hardest part is actually finding helpful information without falling foul of the many scams.

I am willing to share my own technique for making money on the internet. There are many online money making opportunities, but this is what I do and it works for me. I did spend lots of money and time on pointless information that simply regurgitated the same old information and made me no money but then decided that I would develop my own method which I then tested extensively and improved over a period of many months.

This is what I do:

1: I find some PLR ​​(Public Label Rights) products. It's important that this includes a sales page.

2: I register a domain name that clearly links to the main product that I found in step 1 above.

3: I then edit the sales page. I change the author name, some sentences and the graphics. In fact anything that makes it completely unique. If necessary, I add some bonuses to make it even more attractive.

4: I create a OTR – One Time Offer. This is sometimes something that I found in step 1 above but otherwise it can be anything that has perceived value.

5: Next I edit the PLR ​​material that I found in step 1 to make it match the sales page. Its important to change the material enough to make it unique, including the author name and the actual name of the product.

6: I create some new graphics for the material. I do this myself but if you do not know how to do this then its easy to get it done for you very cheaply.

7: I then upload everything to the site which domain name I registered earlier, including the payment and download files.

8: Next I set up an autoresponder and some email messages as follow ons.

9: I test all the links to make sure it works – I make sure that every single link is tested using both Internet Explorer and Firefox web browsers – these are the two most common browsers used.

10: Finally I drive traffic to the site using Pay per Click, articles, forum posting, blogs and include relevant backlinks to the site.

It actually sound more difficult than it is in practice. I can do all 10 steps in an afternoon – so its not too onerous. Thats all there is to it. Its simple but incredibly effective. …


Everything About Life Insurance!

I want to start off this 2010 with an article regarding Life Insurance. Many people find this topic morbid but believe me when I say this contract is as important as a Will and should be taken just as seriously as health insurance. Due to the length in details of this article I have provided chapters for easy reading. I hope this will educate you on Life Insurance and the importance of its necessity. (Note: For better understanding “You” is the policy owner and the insured)


1= Introduction

2=When/If you have Life Insurance already

3= Difference between a Insurance Agent and Broker

4= Types of Policies

5= What are Riders and popular types of Riders

6= The medical exam

1) About general Life Insurance:

This is a contract between you and an insurance company to pay a certain amount (the premium) to a company in exchange for a benefit (called the Death Benefit, face amount, or policy amount) to the beneficiary (the person you want to get paid in the time of your death). This can range based on the type of policy (which will be discussed momentarily), your health, your hobbies, the Insurance company, how much you can afford in premiums, AND the amount of the benefit. It sounds overwhelming but it is not if you have the right agent or broker.

Now many people can say that Life Insurance is like gambling. You are betting that you will die in a specific time and the insurance company bets you won’t. If the insurer wins, they keep the premiums, if you win…well you die and the death benefit goes to the beneficiary. This is a very morbid way of looking at it and if that is the case you can say the same for health insurance, auto insurance, and rental insurance. The truth is, you need life insurance in order to ease the burden of your death. Example 1: A married couple, both professionals that earn very well for a living have a child and like any other family has monthly expenses and 1 of the couple has a death. The odds of the spouse going back to work the next day is very slim. Odds are in fact that your ability to function in your career will lower which RISK the cause of not being able to pay expenses or having to use one’s savings or investments in order to pay for these expenses NOT INCLUDING the death tax and funeral expenses. This can be financially devastating. Example 2: lower middle income family, a death occurs to 1 of the income earners. How will the family be capable of maintaining their current financial lifestyle?

Life insurance is about the ability of lowering the risk of financial burden. This can be in the form of simple cash or taxes via estate planning.

KEY Definitions:

The Insured: The person that is covered by the insurance company (He/She does NOT have to the policy owner)

The (policy) Owner: The one …


Top 5 Ways to Market a Pressure Washing Business

The marketing aspect of the pressure washing business or any business for that matter should be the most important part of your business. You can have the most expensive equipment and know exactly how to do the work, but without any customers your business will fail.

The marketing aspect of many small businesses is often put last on the priority list. In the initial stages of the pressure washing business just as much time and effort should be put into marketing as doing the jobs. Later, as you build a client base less emphasis can be placed on marketing, but the first year in business is where marketing your business is critical.

Here are 5 top ways you can use to market your power washing business:

1. Make sure your customers become repeat customers.

It's easier to make the sale the second time around because you've built trust and credibility into your clients mind. If you do quality work they will most likely need your services again in the near future. Document the clients name on a spreadsheet and make follow-up calls every few months.

Even if they do not need the work right then, many times you will land a job because they will recommend your company to their next door neighbor or someone else they know. Just by calling you're establishing a relationship, and people will keep you in mind when someone they know needs work done. Also make sure you leave them your business card or some other way they will remember your company information.

2. Advertise online

The internet is quickly replacing the phone book as a medium to advertise in. Make sure you get your website or company information in online directories. It's important to have a website for your business to give you an advantage when marketing online, and it's a credibility factor for your potential clients.

3. Use flyers in strategically placed areas

Instead of scattering your flyers all over the parking lot, try placing them in the waiting rooms or in small business waiting rooms. Post them on church bulletinnaires so many different people will see your flyer instead of one person. It's also a good idea to go to your local real estate offices and hand the agents your flyers.

4. Calling and faxing

Call a list of apartment complexes in your area and fax the property managers your company information. Usually if they need a bid for pressure washing they will tell you or call you later on.

5. Network with contractors and property managers

Spend some time getting to know property managers and contractors in your area. There is solid potential for repeat business if you find the right people to work with. …


Strategies for Success

Holy Shenanigans! More STUFF?

Loosing one's business due to lack of personal control is a sad thing. I've watched many people do just that. Recently, a friend told me that her only money is in her business account and she's been using it rather freely. The business is losing money. It's going under, because it can not support itself. She has another income, but she's not living within her means.

So, what is she buying with 'her money'? Frivolities, unnecessary trivialities, and 'bargains'. She and I have discussed the 'bargains' she buys. She's got more STUFF than any ten people NEED, and she still buys because it makes her 'feel good'. The fact of the matter is, she owns a big old building completely full of 'STUFF' she refuses to 'sell' because it's got personal value, and it's important to her, but the roof is falling in on the building, pigeons are in the building pooping on all of her prized possessions, so she buys more 'STUFF' to solve the problem. Ten dollar swimming pools to keep the rain from dripping onto her antique furniture and collectibles, plastic to cover them. Meanwhile the mice are eating through the upholstery and gnawing through the antique woods.

The reason she does this – is it provides her with emotional 'security'. As long as she has 'STUFF' she has 'security', she thinks. In the mean while, she's working at a job to support her 'STUFF' habit, and losing her business, because she's wasting the money from her 'business', instead of using it to build a business that would eventually support her – if she did not have all that 'STUFF' draining her income. She does not have security; she has 'STUFF' being ruined by the frivolous manner in which she is spending her money.

To say she is eccentric, actually only gives credence to her behavior. The fact of the manner is, she does not have the money to be eccentric. She has 'STUFF' which is not going to get her anywhere, because her 'STUFF' is not appreciating, it's getting ruined. She has friends, but she does not listen to them, she has to have her 'STUFF'. I'm actually afraid my friend is going to be a lonely old person taking care of her 'STUFF' because she just can not quite realize that she needs to build relationships with people, and let go of her 'STUFF'.

One time, I even ask her about 'friends' and she responded she does not have anyone she can trust. I can understand why. She's worked her entire life to develop a relationship with her 'STUFF'. I consider her a friend, and I have gone the extra mile to make our friendship work. I wonder sometimes at my dedication to the friendship – because sometimes I feel like I'm working toward a dead end. Particularly when it comes to her business. I worked for nothing at times while I attempted to help her get her business up and …


Secrets Of Personal Effectiveness In A Digital Age

After a careful study of some of the masters of time management, including Steven R. Covey (Seven Habits Of Highly Effective People), Roger Merrill (First Things First), and Timothy Ferriss (4 Hour Work Week) and after comparing their amazing time management principles to a highly dysfunctional test candidate (myself) I have developed three principles that have helped me become much more effective.

Principle 1. KNOW WHAT YOU SEEK.

According to Dr. Covey, human beings are comprised of four different fundamental areas: mental, physical, spiritual, and social / emotional. Take a sheet of paper, write down the four things, and ask this question: What one thing could I do, that would bring the greatest positive improvement in this area?

Next, identify the different "roles" you play in your life. Things like wife, husband, father, mother, daughter, member of a community, church or club, entrepreneur, cyclist, etc. Then ask the question for each of these roles as well. You now have a list of goals that cover every important area of ​​your life.


First, throw most of your long range goals in the trash. They're meaningless. Why? Because they delude you into thinking that it does not matter what you do TODAY. But today is all you have. How can you possibly reach a massive goal in five years if you do not do the daily work necessary to get there? Yet not everything has to be done on a daily basis, some thing are best performed weekly. For example, in the role of "husband" I try to have a date once a week with my wife. Weekly makes more sense than daily. But monthly is not near enough!

Very few goals outside of daily or weekly make sense. So take all the goals determined above, and develop your daily and weekly method of operation. Write them down on a single piece of paper, and display it where you will see it often.


Think you do not have enough time? Think again. You have just as much time in the day as Mother Teresa or Bill Gates. One major difference between extremely highly effective and dysfunctional people is simply in the use of time.

Every morning, look at your daily and weekly MO. Start into those most important activities you have chosen, and stay on task until they're all done. Do not let ANYTHING distract you from each item. And do not multi-task. Do one at a time through to completion.

There are four things you will have to manage if you want to do this effectively: e-mail, the telephone, media, and other people.


Many experts tell us that e-mail wastes more time than any other business practice. And very few e-mails are mission critical. Here are some steps to take in killing this time sucking, income reducing monster:

1. Turn off the "you've got mail" sound on your computer.

2. Only check your e-mail …


How to Start From Zero to Hero

1. Invest You Time Wisely: You do not have the money but you have the time, time is money! Time is your most valuable asset, if you really start to build an empire from zero use your time to equip yourself in financial education, knowledge is the basic foundation of all empire. This step is to ensure that when there is a moment money coming to your grass, you know how to do with it.

2. Be Passionate: Passion will give you unlimited amount of energy, do something you like and turn them into asset. Passion will also make you move forward without hesitation and fear because you know that, once you fall you will stand up again and again. Empire needs a passion to prosper.

3. Be Happy: Happiness is the key to success, happiness is a money magnet. Who would you stick longer friends that give you smile and joy or friends that make you sad? Let say you are happy person and you have a lot of friends, your friend is a good prospect for business. The wider your network the chances you for you to be rich is higher. Build your empire with smile and laughter.

4. Cash flow is king! : Make sure you threaten the "king" wisely, if you offended the "king" there are only two conclusions for you, die or stand still, either you fail or you can not move forward. Cash flow is like a river, if you managed the flow wisely imminent nearby land will prosper and opportunity is abundance. In your empire, cash flow is king!

5. Leverage is Queen! : Leverage is a double age sword, just like a queen. It can destroy you or reward you. Leverage is a tools to make you move faster, the most common leverage in financial world is loan, business, stock market and you yourself, you are the most important leverage. Cash flow is the king, your are the queen.

6. Money is Everywhere: If you do not have money, money is everywhere. Money is abundance, change your perspective about money, now let's try this, close your eyes and move your vision from the sky, you see a lot of people, everyone is bringing money with them, now think how you can have their money legally.

7. Foundation: Every empire has a foundation, what is your foundation and how would you build it? The stronger foundation you have the stronger the empire is. Business is the foundation of all strong nation, you should build your empire base on business because business is a money machine.

8. Believe In Yourself: Trust yourself, you can do it. Human kind started naked, now we had achieved many feels impossible things but some how we succeeded. Business is not a new thing, it had been here along with our journey, just have faith and you will succeed. Remember, it is just a game. …


Turnaround Finance – Solution by Vultures or Angels?

An injection of turnaround finance involves saving a potentially insolvent company from irreversible insolvency and returning the company to a stable financial and operational position. The objective is to achieve this whilst maximizing creditors' interests and the interests of employees, managers and shareholders. Popularized by such media productions as Dragon's Den (starting in Japan, now exported to the USA and UK), private wealth may be granted where the investor believes there is a future for the business. This article deals with turnaround finance for both under-performing businesses and businesses that are either insolvent or potentially insolvent.

The Progress Path

Turnarounds are achieved by a combination of financial, crisis management, restructuring and insolvency skills. The first step is to determine why the company is in the state it is. Realistically, there is anything that can be done to reverse the trend. Analysis is the key to really get into the problem. The analysis will resemble the three legged stool approach. The 'legs' vary, but essentially the analysis will get into these three areas: possibilities for structure, liability and management


Even a formal structure involving insolvency does not have to conclude the company. Many companies have found that this experience has forced a re-think of the company mission and a focus of action. But the majority of turnaround finance initiatives result in informal restructuring which is generally better for creditors, customers, employees, banks and shareholders. The structure may necessitate job loss and lean arrangements with creditors. It may involve closing some facilities to reduce overhead or consolidating partitions to eliminate duplicate administrative functions. It may be necessary to sell off underperforming divisions of the company and outsource some functions to other parts of the world with less expensive labor rates. Viability This is the 'leg' that varies, sometimes it's in the guise of the finance package. But whatever finance is required, whatever the state of the company and it's creditors – is the company viable? Does it have a sustainable market? Does it have a future for it's goods or services? If it's a new business in something like internet technology, the answer to this question may not be straightforward and need significant analysis and business instinct. For older industries the past history of similar ideas will help greatly.


Of all issues involved in the turnaround, the most difficult is getting the company to recognize deficiencies in management. Weaker members of the management team need to be replaced and this is very difficult for the board to be objective about. The management of any company does not want to know that their company is struggling because of the obvious implication of where decisions are made resulting in the problem. Many management teams will not accept that they need help until the last moment – but the best help is the help administrated early. The resulting action may have to be decent and definite, aka brutal. Conclusion The most famous example of a turnaround success is Canary Wharf in London that …