What the Mail on Sunday Said by Nicola Bullimore Anyone considering Bankruptcy may have experienced fear after reading an article written in The Mail on Sunday with the headline “Bankruptcy cheats face crackdown”. But, how much of what was written was in context of the reality of Bankruptcy as it is today? The article implied that since The Enterprise Act 2002 the rise in the number of people going bankrupt was due to them using the Bankruptcy route as a “Get out of jail free card”. The assumption being that The Enterprise Act 2002 made bankru ... Your Website - Your Virtual Business Card by Inka-Maria Kunz To make one thing clear way ahead, without a website you will not survive on this market. And while you are at it, make sure the website is user-friendly because you will need to make changes once in a while and if only to promote some new services. A website should list all the services you are about to offer as well as all your contact details. In the US pictures of yourself and your colleagues are seen as a sign of trustworthiness and reliability, in Europe this notion is not so widely spread ... How Beneficial is a Sample Cover Letter ? by Roger Clark You can benefit from sample cover letters as they can help you learn about the constructs of a high quality cover letter. However, there are some dangers in doing this ... If you have been sending out tons of resumes and cover letters and are not getting interviews you are probably wondering why. After all, you have the requisite education and work experience required in the job posting. You are sending in both a resume and cover letter as requested, so why aren't you getting any calls for inte ... Powerful Words in Sales by Greg Woodley I’d like to discuss the most powerful words you can use during the selling process. After all Rudyard Kipling said, “Words are the most powerful drug used by mankind.” Plainly, THE MOST POWERFUL WORD is YOU. You should be looking to use the word You in your sales meetings a lot more than you use the word I. As I’ve mentioned before the idea is to be focused on your client’s needs but I’m sure this is restating what you already know. I want to discuss words that you can use in your speech that w ... 7 Obscene Tricks Perpetrated On You By Your Credit Card Company by Tom Koziol Obscene is usually associated with pornography while credit cards enjoy a more discreet association. At least that is the perception. This article will change your perception. It is my belief, and may become yours after you read the 7 tricks, credit card issuers should be classified with pornographers. They have, I believe, only one purpose and that purpose is to screw every consumer using their cards as the tool. I say that not because I am anti credit card. Far from it. I have eight in my wall ... Are You a Trendsetter or Someone Who Will be Left Behind? by Kathleen Gage Recently, I had a conversation with a friend in the San Francisco Bay Area who has owned her business for nearly 30 years. After catching up on the family and all our pets, we ended up talking about business. Makes sense since years ago we collaborated on many successful major entertainment events in the Bay Area. Our conversation was about everyday trends that are changing the face of business. We also talked about the countless number of business owners, sales people, managers and entrepreneu ... 7 Steps To Hire The Best by Michael Mercer, Ph.D. You can use this step-by-step method to hire applicants who are likely to be “superstar” employees: highly productive low-turnover Important: Focus on hiring applicants you rate positively on all seven prediction methods. 1st Prediction Method = Brief Initial Screening Interview If an applicant’s application looks suitable, then conduct BISI, a customized 15-30 minute over-phone or in-person interview. BISI quickly reveals if an applicant has biographical data similar to your company’s “supersta ... Management Wants Faster Implementation Of New Organizational Strategy. (Part II.) by Mike Hayden This week, I will continue the discussion from last week's PVT, where we discussed four steps to introduce a new strategy. ( http://www.SeniorManagementServices.com/pvt-96-faster-org-strategy.html ) To review last week, your organization works OK now. But, you've discovered that your whole operation is based on key irreplaceable people, tribal knowledge, and unconfirmed rumors. Vanishing Technology has become a terrible threat and stifles further growth. Now you have a new Strategic Objective .. ... The Ideal Length of Your Business Plan by Dave Lavinsky How long should a business plan be? A business plan needs to be whatever length is required to excite the investor, prove that management truly understands the market, and detail the execution strategy. From surveys of investor needs, Growthink has found that 15 to 25 pages of text is the optimum length in which to accomplish this. Any more and the time-constrained investor will be forced to skim certain sections of the plan, even if they are generally interested, which could lead them to miss e ... Giving Yourself An Edge During The Interview Process by Lee Dobbins There’s more to successful interviewing than writing a resume and showing up, but most people either don’t know or can’t be bothered to do those extras that may set you apart from the hundreds of applicants competing for your dream job. One of the first things you should do is to make sure your resume is clear, concise and easy to read. As a hiring manager, I preferred to look at resumes that were in chronological order with the most recent accomplishments and job duties first. It’s best to keep ... When Cover Letters Get Personal by Linda Matias “It is with great interest and enthusiasm that I submit my resume for your review.” Most cover letters are written in this humdrum tone. Cover letters do not need to be so dull, nor so uninteresting. This style of cover letter writing has been around for years; and it’s a trend that has overstayed its welcome. It’s perfectly acceptable to add pizzazz to cover letters in an effort to engage the reader in your story. Taking a business approach while adding a personal touch to the cover letter wil ... OPM - The Art Of Leveraging by John Michael Equity lender, hard money lender, private investor or what ever term one uses can be a great source of funds to do real estate transactions and the question of how to find them comes up often! There are numerous ways to do this, and no two investors are exactly alike, so it's important to be innovative and customize your proposal to the specific hot buttons for each funding source. One of the greatest advantages of real estate investing is the power of leveraging other people's money. When a pr ... Implementation Procedures for Building Effective Management Systems: Phase IV by Chris Anderson Part One of Series: http://www.bizmanualz.com/articles/01-13-05_Systems_Discovery.html?src=ART42 Part Two: http://www.bizmanualz.com/articles/01-18-05_Systems_Planning.html?src=ART43 Part Three: http://www.bizmanualz.com/articles/01-27-05_Systems_Development.html?src=ART44 Next Week: Re-Discovery Before we discuss Implementation, let’s do a quick recap: In Phase I, we learned how your organization specifies the project mission, objectives and effectiveness criteria. Phase II entailed setting re ... 7 Tips for Growing Your Business You Do Not Want to Ignore: Business Strategies To Easily Implement Now by Kay Graham-Gilbert Growing companies must always be ready for the next challenge. If you fail in meeting critical business challenges you will not grow. Challenges often require some type of breakthrough. But do not be misled. A business breakthrough does not have to be something no one has thought of – it just needs to be a solution to your problem that you can act on now. Breakthroughs may involve simply finding the solution to a common, nagging problem or it may be nurturing a more complex way of thinking. We a ... Proof Positive: Why Proofreading Is Important For Your Business by Amber McNaught Last week I was having a quick browse on eBay when something caught my eye. “Black patient shoes!” screamed the headline. “Must see!” “Wow!” I thought. “Patient shoes! What are they when they’re at home?” I clicked on the link. The shoes appeared. Black they certainly were. But ‘patient’? No. Or not as far as I could see, anyway. These, you see, were patent shoes – as in ‘patent leather’. And very nice they were too – just what I was looking for, and in my size. Did I buy them though? Not on y ... How Much Risk is Necessary to Grow Your Business? by Vishal P. Rao A business owner is thoroughly responsible for their own financial survival and possibly the financial survival of their employees. Business owners, for the most part, seem to be risk takers, who really don't easily go with the flow. They are inventive and somewhat confident, as just having their own business does mandate that they possess these qualities. However, the ability to live with risk is very much a personal issue. Some business owners can live with more risk than others and some can m ... Top 10 Things You Need To Know When Starting A Business.. by Rachael Bermingham In my career, I have had a total of 3 businesses myself and a few others where I am in partnerships. Each time you start a business the basics are pretty well the same. Here are 10 things I believe are really important for anyone starting up a business.... 1. Don't waste your dollars on things you don't need. This alone is one of the biggest reasons people go under. You simply won't need expensive office equipment, computers, phone systems etc when starting out. You'll be surprised at how well a ... Success Leaves Clues by Patricia Twtichell How often have you thought of running your own business because you assumed it would be easy? Or if you currently have your own business, you thought, “There’s got to be an easier way to do what I do.” Fact is, often there is not an “easy way” to achieve business success. It takes time, commitment and most importantly realizing that success leaves clues. The clues are available if you are willing to look for them. As the owner and operator of a unique retail store in Myrtle Creek, Oregon, I ha ... How You Can Make $1000 A Week Part Time by Gary Anderson About 6 years ago I started to notice that certain friends of mine had quit their jobs but continued to live very luxurious lifestyles - seemingly without doing very much. I thought they must just be using up their savings until I discovered they were all making a fantastic living by spending just a few hours a week doing something I had never heard of before - 'financial spread betting'. More and more people are now becoming familiar with the phrase 'financial spread betting'. Once, the sole p ... Throw Out The Lifeline by Robert F. Abbott The television show Who Wants to Be a Millionaire? made a great splash when launched, and even spawned a number of imitators. One of the features that made the show popular was the Lifeline. That's a mechanism an uncertain contestant used to ask for a second opinion, before committing to an answer. Not long after the show started, I read a cartoon that used the Lifeline idea as the basis of its punchline, and it probably wasn't the only time that happened. It's telling, too, isn't it, that I've ... Effective Policies and Procedures - 4 Parts of the Complete Cash to Cash Cycle by Chris Anderson The Cash to Cash Cycle Final of Series Part One: http://www.bizmanualz.com/articles/01-05-05_inventory_procedures.html?src=ART78 Part Two: http://www.bizmanualz.com/articles/01-11-05_accounts_receivable.html?src=ART79 Part Three: http://www.bizmanualz.com/articles/01-18-05_Sales_Marketing.html?src=ART80 Part Four: http://www.bizmanualz.com/articles/01-25-05_Accounts_Payable.html?src=ART82 In the past four weeks, we've brought to light four key areas in which you can save $250,000 each -- for a t ... Tax Records - What You Should Keep And For How Long by Richard A. Chapo Many taxpayers are confused about how long they should keep tax records. The term tax records refers to your tax returns and the documents that support the information in the returns. These documents can include receipts, bank statements, 1099s, etc. If you are one of the unlucky few to be audited, these records will be vital to fending off the IRS. Tax Returns To protect yourself from a nasty audit, you should keep all of your tax returns indefinitely. The IRS has been known to lose or mispla ... 9-11 And Your Checking Account by Tom Koziol Imagine a catastrophic event triggering the government to change the rules covering your checking account. Actually, you don’t have to imagine it because it happened in New York on 9-11. The ensuing halt to commerce in the immediate days after 9-11 (about four total) was enough of a catalyst for our otherwise sloth emulating elected Congressional representatives to pass an act that would ensure the transfer of checks between financial agencies would not again be disrupted by catastrophe, act of ... Preventing Foreclosure Proceedings and Understanding Your Options by Mark Lambie Every year over 8 million homeowners are seeking help preventing foreclosure proceedings. This is a stunning 30 year high. Experts project that by 2006, 12 million homeowners will be teetering on the brink of foreclosure. Many homeowners are not aware that the can prevent foreclosure and save their house. Did you know that you can’t stop the proceedings up to an hour before the auction takes place? As a homeowner facing foreclosure there are various options available. We will briefly examine so ... Factoring. Cash Without Borrowing by Fred Coutts Cash flow is one of the main reasons businesses fail. At one time or another, every business, even successful ones, have experienced poor cash flow. Cash flow does not have to be a problem any more. Do not be fooled -- banks are not the only places you can get funding. Other solutions are available and you do not have to borrow. What is Factoring? One solution is called factoring. Factoring is the process of selling accounts receivable to an investor rather than waiting to collect the money from ... |
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