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Archive of posts published in the category: business

Risk Taking Is a Perception

Some people think I’m a wild girl and a major risk taker. I always giggle when I hear that because I don’t feel like I’m a risk taker. I only take action if I feel comfortable with it. Other people may perceive that what I’m doing is a risk, but I’ve spent time preparing myself for many of the actions. Some actions I leap into because they’re compelling and sound fun.

Let’s take skydiving as an example. Eva Gregory, my BFF, had done a tandem skydive (you’re strapped to an instructor, who does all the flying, and a large parachute) and showed me her video of the event. It looked fun, but I was so scared. I told her I’d never do it. I said if I ever did, I’d have to watch her video a hundred times in a row to get me pumped up and boost my courage.

Skydiving wasn’t compelling to me. Flying like a bird was compelling. I talked a lot about flying. I had always wanted an airplane, but I wanted to float through clouds like I’d always imagined angels did.

Very soon after the skydiving conversation with Eva, my former mate surprised me with a tandem skydive reservation. I literally cried with fear and said I wasn’t going. He said he couldn’t get a refund. (He lied.)

I wound up going but changed my perspective from fear of breaking all my limbs upon hitting the ground at high speeds, to one of floating like an angel.

I ended up loving the experience and did about 300 solo skydives after that. Is it a risk? Sure, I could sustain injuries, hurt someone else, or die. But I do not feel I’m taking an extreme risk or I wouldn’t do it!

I will not jump unless I know my parachute and reserve (backup parachute) are both packed safely. I know the direction and speed of the wind to assist me in choosing my landing pattern. I also make myself familiar with the plane I’m jumping out of and the landing zone. Most importantly, I only jump when I’m inspired and have a clear mind.

I think riding on the back of a motorcycle, as a passenger, is a big risk. Every bone in my body tenses up when I do it. I feel vulnerable on the back. Let me ride my own dirt bike or quad and I’ll go at full speed. It’s all about how I perceive the activity.

I’ve always been fascinated by people who climb mountains. My friend Rich Fettke, author of Extreme Success, is a climber and fellow skydiver. He has climbed El Capitan at Yosemite National Park twice. He’s slept on the side of a mountain hanging from ropes.

I see this as absolutely terrifying! Does Rich get a rush out of climbing? Yes! But he has done his homework and loves the sport. He has two children and a wife that he adores, so he is very conscious of …


Insurance Agents Are Like Toasters

We work in a unique industry – one in which insurance agents are like toasters. Let me explain …

Everyone owns and uses at least one small appliance at home. It may be a toaster, a garage door opener or a microwave oven. No doubt it's something we use every day. And yet, we can not recall the brand name of the appliance. We all know what it looks like and how it works, but generally can not remember who the manufacturer is … until it breaks. When it breaks, we check to see what brand of "widget" it is and whether repair or replacement is covered. We decide whether we want to purchase the same brand or try a different brand altogether. It takes a problem to draw our attention to the brand – and until that time, since we are not really aware of the brand we're using, one brand is as good as another ! Insurance agents are essentially like toasters. We're generally not thought of by policyholders until something breaks – that is, until there's a claim.

Once there's a claim, we have the ability to really shine. We're responsive and concerned. We work to expedite things and look out for our policyholder's interests. We end up creating more of a relationship with our clients. When there's a claim, we get the opportunity to really shine in the eyes of the policyholder. The problem arises when everything is going well!

When all is well and there are not any claims (which is most of the time), we are not thought of. And when we are not thought of, our clients are easily persuaded to consider using another agent or finding a better rate. The real challenge with keeping clients is not mishandling a claim. It's being faceless. The danger lies in being a nameless toaster.

How do you avoid the misfortune of being forgotten? Let me share a lesson I learned many years ago when I was working to succeed as a small business consultant. I have a pretty strong business background and I knew I could help most any small business in any area they needed help with – finance, marketing, systems, personnel, etc. I marketed to businesses far and wide – businesses in various industries and of various sizes. I was open to any assignment I could attract. After all, I could not afford to turn any opportunity away. I worked hard at developing my consulting practice, but never achieved more than mediocre results. After a few years of struggling, I ended up moving on to other things (read that as, "I had to get a job."). Just after accepting an executive position with a company, I gained an important marketing insight. Here is the insight I got:

If you're not known for something, you're not known for anything.

I had been a toaster. People hard thought of me. They rarely referred others to me. Only a small number of them chose to give …


How Much Money Can I Make On eBay? – Make Money With eBay The Easy Way

eBay sellers are often found to brag about making hundreds of dollars per day and the so called pros and gurus maintain their stance that you can make thousands of dollars per month selling on eBay. eBay is certainly a huge marketplace and the potential to earn a lot is available, but it all depends on what you are selling and how you are committed to your eBay business. If you are wondering how much money can I make on eBay, you should have the determination to convert your dreams to goals. Only with consistent efforts you can become a top seller on eBay and your products can bring you income for a long time.

Information Products: Right Kind of Products to Sell On eBay

Anyone interested in selling on eBay is keen to know about products that can quickly sell. If you are thinking about products, you need to understand that you have to maintain an inventory and ensure that proper shipping is done. Without you create your own products, selling on eBay can become tricky because you have to act as buyer and supplier at the same time, managing multiple roles. Information products are the right kind of products to sell on eBay because you can create your own product and sell as many copies as you want.

Previously, eBay allowed digital downloads of products and this was used by scammers to cripple the entire idea of ​​eBay marketplace. So, eBay made some changes to rules and still allowed digital information products to sell on eBay. You can sell digital products as long as they are burnt as CDs or DVDs. It is easy and simple to create CDs and DVDs once you have the information accepted and ready to be sold. This way, you own your products and you can churn out as many copies as you want.

To start as a seller of information products on eBay, you have to find your niche and create a product. With so many books, ebooks and information available with reseller rights, it will take only a few hours to put your product together. You can then burn CDs and DVDs to include the information and start your trial run on eBay. If your product sells on its own with really good information, you may get more orders than you can manage manually. There is software available that helps you to take care of burning the information products, but if your business is getting really big, you can consider using third party companies to burn the content on CDs and DVDs.

In order to make money on eBay selling information products, you just can not set down with a single product. As an online entrepreneur, you have to keep thinking about your business and establish a branding for yourself. You can certainly create multiple information products in different niches, but focusing on a single niche will help you become a niche expert. So, before plunging into eBay selling, analyze your …


The Undeniable Truth About Website Development Firms That Nobody Is Telling You

There are various ways to create a website like static HTML, flash websites and so forth. Website is a required part to earn a thriving online company in the world. If a web site is simple to go through, there are more chances that they’d love to read more about you. A website should serve the purpose for which it has been produced. Thus it’s imperative for all of us to acquire our websites show up on the all mobile devices so we must take aid of the iPhone development companies that are offering such iPhone compatible web designing. For example if you’re trying to find a fully interactive Flash website you better be sure that the website design company you select has done many Flash websites.

Design the website strategically, if you’ve got plenty of things to discuss. Creating a site isn’t alone enough for a site to be prosperous. Website being among the best mediums to showcase the services and products of your business, is a good method to start if you’re going the internet way for the very first time. As a way to sustain and do well in a very competitive internet environment your website should be easily navigable and user friendly and for that working with a trusted website development firm can make the process simpler for you if not more.

Websites should be designed in such a manner that they can effectively send across your message to your target audiences with no hassles. If your site is attractive and effective, more number of users will attract towards your site and from this a growing number of number of people may come to learn about your goods and solutions.

a website development firm plays a vital role in the total development of any organization. It’s necessary for a PHP website development firm, which could make online applications in a very easy and striking manner so that it’s accessible by all. Website development has becomes one of the greatest alternatives for online business expansion.

Frequently, the business might not have the very best and the most experienced individuals to help it with the exact same. Since companies everywhere are doing this now, it isn’t actually such a huge deal if you should think about doing it. Therefore, while searching for availing web design services, make sure you search for a website development firm that meets all these criteria.

Selecting a professional website development firm is now essential for each and every online business to keep up their online presence due to the fact that many customers are searching the internet prior to making a purchasing decision. Hiring a professional website development firm to create your business website is just one of the main professional decisions you will make.

The Key to a Successful Website Development Firm

Even in the event the businesses are providing offshore services, they should provide real-time support according to the customer’s time zone and keeping up international high quality standards. A popular …


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% of new businesses in the U.S. started at home and that 15 to 20% 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 …


Problems Selling Mortgage Protection Insurance Are Not Your Fault

Problems with Mortgage Insurance Sales

If you have ever sold traditional mortgage protection insurance, you know how hard it can be. You must put a lot of miles on your car, driving around to meet with clients in their living rooms. You also have to be available for them when they are home, which means you spend a lot of evenings working. Many times you will have to spend time out of town, because that’s where you have leads and appointments, and this can be inconvenient and expensive!

Furthermore, some of your prospects may have been attracted to mortgage protection insurance because of the direct mail piece they received. But these direct mail pieces can give some people the wrong expectations. They may glance at the card or letter, and see an offer of insurance with no medical exam, and then assume that pre-existing conditions will be ignored. You may find that some percentage of the business that you have worked so hard to submit gets declined. People with very common professions can declined for disability insurance, just because of what they do for a living!

In addition, clients may see an offer of disability insurance or critical illness insurance and think they can obtain that sort of coverage without obtaining a large life insurance policy. The client may feel as if they already have enough life insurance. Some clients may read about waiver of premium riders while unemployed and confuse that with a supplemental unemployment benefit which most mortgage protection insurance does not offer.

You are Not The Problem!

The problem with selling mortgage protection insurance is not you, as the insurance agent, but the product you are selling which does not meet the client’s expectations. When you present a product that gives a prospect the security they are looking for, selling is easy! In fact, many homeowners are concerned about protecting their finances now, when they are alive. When a large bank asked their customers what they worried about, a majority said they worried about paying their bills if they lost their job or became disabled. Many homeowners, especially younger ones, are not concerned about large death benefits. They are concerned about layoffs, accidents, or disability.

Offer Your Clients Mortgage Protection They Want!

You can find a mortgage protection insurance plan that solves many of these issues. You will not need to ask your clients health questions and almost every professions is accepted for disability payments. There are some vesting periods and waiting periods, but we feel that this type of insurance appropriate for many clients who do not want, or cannot qualify for, a traditional mortgage life insurance policy. You can also offer the new mortgage protection insurance to clients up to the age of 70!

Offer clients unemployment, disability, and hospital indemnity insurance, along with a death benefit, and all without asking health questions! You can sell this insurance from your home office as the forms can be completed over the internet. Move your mortgage protection …


How Personal Branding Will Make You Happier – Crazy, Right? Wrong

What do you value most in life? For some people, it's money. Others prefer respect or a job title that makes them feel as if they've arrived. If you have health issues, you may rank a pain-free day as a number one priority.

Not me.

I want to be happy. I'm an entrepreneur, so every day the decisions that I make in my business are centered around one simple goal: how I will attract the clients I want into my life.

My Personal Branding Story

OK, so maybe you're going to tell me that it's easy to say you want to be happy once you've already achieved success, built a six-figure business, held the corner office job, or been heavily awarded for your work in fine arts.

But those are just paths in my life that helped make me an expert at what I do. They do not define who I am or represent my core creative values ​​- that's what my personal branding does.

Think about it for a minute. Of all your close friends, how many of them are just like you? Do they share your political views? like the same activities you do?

Maybe all of you even take similar vacations or have similar ethics related to your family. In fact, it's no big secret that research has proven time and time again that we tend to attract people who are most like us into our inner lives.

How to Apply Personal Branding to Your Business

When we talk about personal branding, what we really mean are the things you can do to tighten up the way you're perceived by the world. And I've worked with an incredible number of business professionals, including:

  • Health & wellness professionals
  • Lawyers / accountants
  • Real estate agents
  • Authors / publishers
  • Personal stylists
  • Coaching professionals

The professionals who are the most successful understand that establishing a consistent look across their website, business cards and marketing collateral can enable them to attract the clients they want into their business.

Even the pictures of themselves they use on their website have the ability to help their clients connect with them before they even walk in the door. It might seem simple, but when you start to look like a unified front, big changes automatically happens.

You Attract What Your Personal Brand Dictates

Why does it work? Putting out a specific brand message lets everyone know who you are, what you do, and who you want to work with. It's the perfect way to navigate your ship in the direction you want to go.

It's not just about finding a niche to zone in on, but also highly relevant to:

  • Presenting yourself as an expert
  • Being able to charge what you're worth
  • Offering the right services to the right people
  • Getting recognition and appreciation

I'm not going to preach to the choir here, but you're always going to get greater results when you focus on "the whole package." In fact, I saw it time and …


How to Save Money by Planning in Advance

Paris is renamed across the globe as a leading business and cultural center. It is one of the top tourist destinations in the world, visited by millions of people through the year. The capital city has an undertone of European Alpine charm. Few of the prominent tourist attractions of Paris include the Eiffel tower, the Notre Dam cathedral, the Louvre museum, and many more. The city of Paris also has a major hold on the fashion industry. There are plenty of Paris hotels that offer all the comforts of your home by providing outstanding services and amenities.

Planning Your Trip It is always advised that you should plan your trip well in advance to avoid any form of last minute hustles. While planning a trip to Paris, make sure that you have planned your budget properly so as to enjoy the trip to the hilt. Opting for discount hotels is ideal for budget travelers. These hotels offer all the basic amenities at most reasonable prices. Paris hotels that provide affordable accommodation are extremely popular among regular visitors to the city.

Advance Booking If you want to avail one of the most lucrative hotel deals, online booking of hotels is the best option. Many hotels in Paris offer attractive hotel deals and discount offers to suit the demands of all kinds of traveler. A number of Paris hotels charge a discounted rate during off-seasons. If you search appropriately, you may get a good hotel room at half the original price. Online booking also facilitates the comparison of rates and facilities of different hotels, that, helping you choose the most suitable deal for yourself.

Amongst several online hotel booking sites available in the market today, Hotels Online has made a mark for itself. The company offers an excellent collection of a variety of hotels and apartments all over the world. You can browse through a wide range of hotels, including the exuberant as well as the cheap hotels, to choose the best according to your needs. The site provides an exhaustive list of highest quality Paris hotels. For getting more details about the hotel facilities and price range, visit …


Are You HIV Positive? You Can Still Get Health Insurance

Life does not end the moment you are diagnosed for HIV positive. If you take good care of yourself and take your medicines properly, you can still live a very long life, that too, without any complications. So, considering the very fact that medical expenses are skyrocketing these days, it is very important for you to make sure that you have a good health insurance policy in your hand to cover the catastrophic costs of the treatment. However, you may find it a very difficult task to find a new policy while having such medical condition because most insurance providers do not provide coverage for such individuals. However, you don’t have to be disappointed. There are still several ways out there.

Getting Insurance Through Your Employer

If you are employed, you must try to talk to your employer and try to get as much coverage as you can with your policy. The good thing here is that in case of employer-based health insurance, neither your employer nor the actual insurance provider requires you to go through medical check up in order to qualify for the policy. Remember, you will always need an active policy in your hand. So even when you are between jobs or jobless, make sure that your policy is duly active. An easy way to do this is to use your rights provided by COBRA under the Federal laws. COBRA allows you to keep your policy active extended up to a period of 18 months even after losing your job.

Self Employed Or Business Owners

If you own a small business or work as a self employed individual, you can easily find several trade associations and business organizations, where you can get your health insurance coverage from. You just have to get membership of those organizations.

Getting Insurance Through State Government

As a last resort, you can always bank on your state government. Every state in the United States of America has special laws to support those individuals who cannot get an insurance policy for health coverage from other places. However, this option can be a little expensive. You will be required to pay a much higher rate of premium. There are several public and private agencies as well that can help you in this regard – these are state supported agencies that promote universal health coverage.

In fact, states like New York, California, and Massachusetts have passed special legislation in order to guarantee health insurance coverage for everybody – regardless of whether he/she is in job or jobless and regardless of whatever medical conditions they have.…


Smart Way To Protect Your Unemployment Days With Income Protection Insurance

Getting ready, going to the office, coming home to the family is what we all do every day. Such is the impact of work on everyday life that we rarely think of a single day without work. However there can be occasions when you are unable to work for three or maybe six months. In such a situation, your normal sick pay will run out. What can you do for income? If you had been smart enough to get income protection insurance you would not have to worry about anything.

What Is Income Protection Insurance And Why Do You Need It?

Income protection insurance protects you when you are unable to work due to sickness or injury. The policy will pay out till you can get back to work, retirement or end of lifespan. Thus, it provides financial protection for you and your family during troubled times. Although employers offer support to their staff if they are sick, it lasts for only a year. After that they have to find some other means of financial support and this is where having Income Protection Insurance proves to be beneficial. In today's fast-paced world with so many risks, is advisable for any person in a working age to have it.


It protects you during unemployed days with a payout that helps maintain your lifestyle. The amount obtained from it is 50% to 70% of the normal income. It can be used to pay for mortgage, household and other essential expenses, so that loss of income does not affect life. It gives security for you and your loved ones under difficult circumstances. The payout received is not subject to taxation. Getting coverage will not take time because no medical tests have to be undertaken. You have to answer some questions asked by the company and sign up the policy.

The payout starts after a period of time, which is agreed upon by you and the insurance company. It can be anything between one to twelve months. If you choose a longer deferral period, the premium rate will be low. Making a claim is easy because all you have to do is call the insurance company to find out what documents to provide for the claim to be processed. Submit them and the payment starts after the deferral period is over. This insurance can also be taken by people who run a business. If sickness or injury prevails them from running it money it helps to cover expenses.

Different Types Of Income Protection Insurance

Income protection insurance is available in many forms. There is a long-term policy which pays out till work, retirement or end of lifespan. This is the regular type and what many people opt. You can also consider a short term policy in which the payout is for a period of one to five years. If you are looking for something cheap, check out the ASU or Accident, Sickness and Unemployment coverage. In this policy money is paid only under …