How Women Lead at Home and at Work

5 Things to Consider When Starting Your Own Business

Does anything sound better than being your own boss?

Is This Your Time To Make A Difference?

Start Your Business Part Time

Well, maybe a brand new sports car or free ice cream for life. But even a state-of-the-art fully-decked-out sports car will eventually need routine maintenance, and the taste of mint chocolate chip can get old after a while.

The same kinds of things can happen when you start your own business. There are many details to consider and seemingly endless tasks to keep organized after the initial excitement of being your own boss and keeping your own hours has faded. Circumstances are bound to arise that no one ever prepared you for!

Although this list is not exhaustive, here are 5 things to get you started when creating a business of your own:

1. Startup cost

The startup cost of your business depends heavily on the type of business you want to have. To estimate the startup cost, make a list of anything and everything you’ll need to finance in the first 6 months. Then take each expense and ask:

  • Is this cost fixed or variable?
  • Essential or optional?
  • One-time or recurring?

Once you’ve determined the frequency and necessity of each cost for the first 6 months, add it all together. Then you’ll have a ballpark idea of what your startup costs might be.

(Hint: Don’t forget to add a line item for those unplanned, miscellaneous expenses!)

2. Competitors

“Find a need, and fill it” is general advice for starting a successful business. But if the need is apparent, how many other businesses will be going after the same space to fill? And how do you create a business that can compete? After all, keeping your doors open and your business frequented is priority #1.

The simplest and most effective solution? Be great at what you do. Take the time to learn your business and the need you’re trying to fill – inside and out. Take a step back and think like a customer. Try to imagine how your competitors are failing at meeting customers’ needs. What can you do to solve those issues? Overcoming these hurdles can’t guarantee that your doors will stay open, but your knowledge, talent, and work ethic can set you apart from competitors from the start. This is what builds life-long relationships with customers – the kind of customers that will follow you wherever your business goes.

(Hint: The cost of your product or service should not be the main differentiator from your competition.)

3. Customer acquisition

The key to acquiring customers goes back to the need you’re trying to fill by running your business. If the demand for your product is high, customer acquisition may be easier. And there are always methods to bring in more. First and foremost, be aware of your brand and what your business offers. This will make identifying your target audience more accurate. Then market to them with a varied strategy on multiple fronts: content, email, and social media; search engine optimization; effective copywriting; and the use of analytics.

(Hint: The amount of money you spend on marketing – e.g., Google & Facebook ads – is not as important as who you are targeting.)

4. Building product inventory

This step points directly back to your startup cost. At the beginning, do as much research as you can, then stock your literal (or virtual) shelves with a bit of everything feasible you think your target audience may want or need. Track which products (or services) customers are gravitating towards – what items in your inventory disappear the most quickly? What services in your repertoire are the most requested? After a few weeks or months you’ll have real data to analyze. Then always keep the bestsellers on hand, followed closely by seasonal offerings. And don’t forget to consider making a couple of out-of-the-ordinary offerings available, just in case. Don’t underestimate the power of trying new things from time to time; you never know what could turn into a success!

(Hint: Try to let go of what your favorite items or services might be, if customers are not biting.)

5. Compliance with legal standards

Depending on what type of business you’re in, there may be standards and regulations that you must adhere to. For example, hiring employees falls under the jurisdiction of the Department of Labor and Federal Employment Laws. There are also State Labor Laws to consider.

(Hint: Be absolutely sure to do your research on the legal matters that can arise when beginning your own business. Not many judges are very accepting of “But, Your Honor, I didn’t know that was illegal!”)

Starting your own business is not an impossible task, especially when you’re prepared. And what makes preparing yourself even easier is becoming your own boss with an established company like World Financial Group (WFG).

The need for financial professionals exists – everyone needs to know how money works, and many people need help in pursuing financial independence. WFG works with well-known and respected companies to provide a broad range of products for our customers. We take pride in equipping families with products that meet their financial needs.

Anytime you’re ready, I’d be happy to share my experience with you – as well as many other things to consider:  Compliments https://wfgconnects.com/HeatherAtkinson

What Does “Pay Yourself First” Mean?

Bills, bills, mortgage payment, another bill, maybe some coupons for things you never buy, and of course, more bills.

Snail Mail

Pay Yourself First

There seems to be an endless stream of envelopes from companies all demanding payment for their products and services. It feels like you have a choice of what you want to do with your money ONLY after all the bills have been paid – if there’s anything left over, that is.

More times than not it might seem like there’s more ‘month’ than ‘dollar.’
Not to rub salt in the wound, but may I ask how much you’re saving each month? $100? $50? Nothing? You may have made a plan and come up with a rock-solid budget in the past, but let’s get real. One month’s expenditures can be very different than another’s. Birthdays, holidays, last-minute things the kids need for school, a spontaneous weekend getaway, replacing that 12-year-old dishwasher that doesn’t sound exactly right, etc., can make saving a fixed amount each month a challenge. Some months you may actually be able to save something, and some months you can’t. The result is that setting funds aside each month becomes an uncertainty.

Although this situation might appear at first benign (i.e. it’s just the way things are), the impact of this uncertainty can have far-reaching negative consequences.

Here’s why: If you don’t know how much you can save each month, then you don’t know how much you can save each year. If you don’t know how much you can save each year, then you don’t know how much you’ll have put away 2, 5, 10, or 20 years from now. Will you have enough saved for retirement?

If you have a goal in mind like buying a home in 10 years or retiring at 65, then you also need a realistic plan that will help you get there. Truth is, most of us don’t have a wealthy relative who might unexpectedly leave us an inheritance we never knew existed!

But you might be surprised by much you can save if you put your mind to it. And you might want to do that… but how do you do that?

The secret is to “pay yourself first.” The first “bill” you pay each month is to yourself. Shifting your focus each month to a “pay yourself first” mentality is subtle, but it can potentially be life changing. Let’s say for example you make $3,000 per month after taxes. You would put aside $300 (10%) right off the bat, leaving you $2,700 for the rest of your bills. This tactic makes saving $300 per month a certainty. The answer to how much you would be saving each month would always be: “At least $300.” If you stash this in an interest-bearing account, imagine how high this can grow over time if you continue to contribute that $300.

That’s exciting! But at this point you might be thinking, “I can’t afford to save 10% of my income every month because the leftovers aren’t enough for me to live my lifestyle.” If that’s the case, rather than reducing the amount you save, it might be worthwhile to consider if it’s the lifestyle you can’t afford.

Ultimately, paying yourself first means you’re making your future financial goals a priority, and that’s a bill worth paying.

Good Morning Habits You Can Start Tomorrow

APRIL 15, 2020  – compliments of https://wfgconnects.com/HeatherAtkinson

Morning Habits

Great Morning Habits

Habits and Morning Routines
Morning Habits You Can Start Tomorrow
Most of our mornings aren’t very fun. We roll out of bed, maybe hit snooze a few times, and then crawl into work feeling groggy at best.
But it doesn’t have to be like this. The morning hours can be times of relaxation, focus, and self-improvement. Here are a few practical habits that can take your mornings from pointless to productive!

Go to bed early
Stayed up too late watching just one more episode of your favorite show? Don’t expect to wake up feeling motivated. A productive morning starts the night before. Try to stay away from screens before going to bed (at least one hour) and make sure you turn in at a reasonable time. You may also want to dial back when you wake up. Having a quiet hour or two before everyone else wakes up is a great way of freeing up time to invest in things you care about. Just remember that your new sleep schedule will take some time to adjust to!

Exercise first thing
One of the best habits to fill your new-found morning hours is exercise. It’s a great way to get your blood flowing and boost your energy. Plus, the feeling that you’ve accomplished something can help carry you through the day and boost your confidence.

Prioritize your tasks
But let’s say you’ve started getting up an hour and a half earlier and you work out for 30 minutes. How are you going to spend the next hour before you start getting ready for work? One great habit is to start planning out your day and prioritizing your tasks. Write down what specifically you want to accomplish and when. You might be amazed by how empowering it is to make a plan and to see your goals on a piece of paper. Start off with your biggest task. The morning is when you’re at your peak brain power, so commit your best efforts to the hardest work. The feeling of accomplishment from knocking out the task will carry you through the smaller things!

Mornings don’t have to be rough. Incorporating these tips and habits into your daily routine can help make the first hours of the day a time you look forward to. Start inching your alarm closer towards sunrise and use that extra time to absolutely crush your day!

Celebrating With Traditional Caribbean Christmas Rum Cakes

Christmas and the 2019 holiday season are here, it is time to  celebrate with traditional Caribbean rum cake and English plum puddings!  If you want to order rum cakes this year please do.  We have three (3) sizes, shipping from Cape Coral Florida and we can get them to you in time for Christmas if you order now!

Small  $29.99,  Medium $37.99 and Large $47.99.  To place your order contact us  at /contact-us/

Free shipping and handling on orders received before 12/14/2019. All orders require 6.5% Cape Coral Sales Tax.

Let us know how you enjoyed them.  Then in another few months it will be time to start the cycle again and put our special ingredients: raisins, currants, cherries, almonds, brandy, rum, port wine and spices  to marinate and soak for another year.  What do we mean by soaking ingredients?   Well, traditional Caribbean holiday cakes that are soooooo… delicious are marinated in glass jars for at least months before the Season so that the blend of ingredients when combined with flour, milk, eggs and spices literally dissolve in the mouth. This year’s batch is no exception.

Holiday cakes make great gifts  so share our  smooth delicate and distinctive blend of flavors.  This holiday favorite  is one of the few cakes that the longer it sits on the shelf, the better it gets since the rum and wine preserve it.  Like good wine these cakes gets better with age.  If they are still around after 3 weeks, you can elect to seal and store them on lower shelves in the refrigerator. This allows you to savor the holiday goodness during the winter months.

We are now taking pre-orders. The cakes will be made in the traditional Caribbean way by a  family in Cape Coral Florida.  Yum!!!   Order your rum cakes here!

How To Manage Contracts Using AI: Without Losing Sleep At Night

Business Tools That Allow You To Scale

As small businesses grow and systematize they begin to ink  increasingly more complex multi-year deals.  The question then becomes how do you effectively manage increasing  customer relationships and their related contractual obligations?

What do you do with with all the drafts, overflow paperwork and the finalized documents?  The truth is, once the deal is inked that is when the work begins.  That is when the parties are required to perform, to implement obligations, deliver product and manage their customers’ expectations.

The question then becomes how to index and securely store significant amounts of data, while having quick easy access to content, including expiration dates and critical obligations?  How do you sleep at night without concern for what you may have overlooked or forgotten in waking hours?

If you have questions on contract management, the use of smart contracts that analyze, store, and manage  information, or questions on how to efficiently analyze contract life cycles in high volumes, en mass,  know that tools are available that allow you to identify, tag, delegate and automate party obligations,  contract risk, or any other requirement that matters, by leveraging best practices in conjunction with artificial intelligence.

Here is an invitation for you to review ContractWorks, a business tool that securely routes, analyzes and manages contracts and other data so that you can conveniently and securely  access data sources with  information 24/7,   that is, when it matters.  You can review and Demo ContractWorks for free HereContractWorks is a business tool you can get used to, because it simplifies data management and timely routes information to authorized users in the nick of time.

Wanna Move The Needle? Here’s How To Leverage Effective Business Tech Tools

One of my biggest pet peeves in the digital marketing space is the term “all-in-one solution”.

Ya see, I think it’s a misnomer.

Or, actually, I think it’s misleading.

Any tool is an all-in-one solution if it’s the only tool you need, but the reality behind small business is that it’s infinitely complex – and therefore the landscape of tools to support your business is infinitely diverse (and ever expanding).

I have my own robust techstack, and Infusionsoft by Keap, and AccesAlly are at the core of it. I’ve written more about the specific tools that have earned my trust – if that interests you reach out to me and I will be happy to share.

But the reality is that the tools that support each business will be somewhat personal – they’ll likely need to match up with your business needs, priorities, and goals.

So, in this diverse, technical, and tricky landscape, when you could literally spend weeks researching options – how does a business owner choose what tools to depend on?

The answer is ROI.

Like anything in business, the tools you choose are an investment – and it only makes sense to continue investing in those tools if they’re earning an ROI for you.

Now, the typical way people think about “return on investment” is in a financial way, and your tools could certainly work to create new revenue – but they could also pay a return in other ways, like by saving you money, effort, or time.

I highlight that because I think focusing solely on a monetary concern will not only limit the tools you have at your disposal, but it can also be shortsighted in terms of crushing your longer term goals.

The next piece of advice I have for selecting the tools in your techstack is to focus on the role they will play.

You almost want to think of the tools you use as actual employees you’re casting into a role.

This’ll help in a few ways – first, it’ll help you get clear on the expectations you have for that tool.

And second, it’ll serve as a reminder of why that tool is valuable – because there will come a time when you question it, or when there’s a bug of some sort; and it’s important to be able to go back to it and recognize that this tool works around the clock and doesn’t take days off.

And finally, I’ll leave you with what I think is the most important lesson – small business is about crafting journeys.

(What’s a journey?)

The experience you create for your customers is what sets your business apart from others.

So if we recognize that, then the tools we use should be designing and supporting the journey we create for our customers.

And to zoom out one level further – that means that we, as small businesses, or as entrepreneurs need to spend time getting clear on the existing journey our customers are already having.

Then, ask yourself what it should look like. Try and visualize what your perfect customer journey would entail – if you only had one customer, and you could give them all your attention, what would that feel like?

That’s the blueprint.

(Here’s a case study) of how a tech stack can support an end-to-end customer journey.)

Once you have both of those it’s time to go to work narrowing that gap.

The tools you choose are how you build the customer experience blueprint.
———–
Greg Jenkins is the founder of Monkeypod Marketing, where he focuses on empowering entrepreneurs through virtual courses and educational resources.

In addition to small business and marketing automation, Greg is a semi-professional dogsitter; he loves hiking, traveling, watching basketball, and binging netflix. And dogs, did we mention dogs?

Are You an Effective Leader?

 

In today’s flat world so closely interconnected by social media and 24 hour news cycles, leaders are always visible and they come in many shapes and sizes.  Further, because there are so many areas of expertise, even more splintered by demographics and communities it is good to reflect on the values and traits of good leaders as we historically understand or understood them.

Bear in mind that some people lead from behind, while others lead from in front.  Additionally, many people lead very effectively from the middle because they can understand the plight of others and empathize with the experience of  their tribe.  The fact is leaders find solutions, and can be found everywhere!  How do you lead?

Lets evaluate if  or how leadership has changed or been affected by speed to market and a need to quickly close transactions while sustaining a viable business:

  1. Do you make others feel important?
  2. Do you promote and enthusiastically share a vision of business goals and objectives so that others understand and can contribute to them?
  3. Do you set reasonable or unreasonable expectations for team members? Do you make adequate provisions for alternative scenarios?
  4. Do you follow the golden rule, treating others the way you want to be treated?
  5. Do you admit and correct mistakes, even when it is not comfortable to do so?  Can you work with dissension while fostering an environment that allows the truth, or the best resolution to surface organically?
  6. Do you praise others publicly, but are you also willing to communicate criticism or a different perspective when needed?
  7. Do you criticize privately so that you do not embarrass, or lose the opportunity to foster a team member’s chance for personal growth?
  8. Can you resist the temptation to gossip or diminish those who may be wired differently than you?
  9. Are you open and visible to other people and their talents so that they  learn from you and you from them?
  10. Are you curious about nuanced distinctions and opportunities that not only make things work, but could make them perform more effectively and even to competitive business advantage?
  11. Can you collaborate with others while making a game of competition?
  12. Can you set clear team goals, yet be flexible enough to make adjustments, recognizing and rewarding  excellence  when peers exceed preset standards, that is without undermining them?
  13. Do you avoid the temptation to diminish others or put them down because they may excel, or be better at a particular task than you are?
  14. Can you genuinely give and receive a compliment without resentment or sarcasm?

In your view have these values changed or do they still matter?  Let us know what you think.

*** Updated, previously published 2/11/19

Sculpted Turtles Marching In Unison In a Wonderful Way

Sculpted Bronze Turtles Marching in Unison

#Turtle way. Beautifully designed entrance ways and harmonious  environments will inspire and engage co-workers and premium producers into stable, high performance by sending subtle messages about collaboration, steady progress, and collective goals, even when roles and positions contribute differently. This beautifully sculpted entryway of bronze turtles marching in unison does the job in a really Wonderful way.

Is Collaboration A Shield or Sword?

We have heard it said that collaboration is the new competition, but what does that really mean?  Is it no longer survival of the fittest?  Are single silo’d organizations and people outdated?

Maybe the reason is that with data and information exponentially growing, seemingly faster than any one person can process or implement it, there is a compelling need to expand bandwidth (both technology and people), to efficiently and effectively get things done.

So the next question is how do we do this?

There are several technology tools that help us to communicate and collaborate across geographical boundaries and platforms effectively.  But how do we master the people skills to plug and play well within a collaborative system, if for  decades there has been insufficient information to build commonality or create trust?  When at times it may have seemed that distrust is a strategic advantage.

The real question is how do you build warm productive teams in environments competing for excellence?

How do we build team when people are more connected to devices than to each other?

How do you build team when racing against the clock?

How can we prioritize people in all our complexity, so that effective nuanced communications perform and produce a sustainable environment and product that people want and desire.  Products that people want more than cold efficient delivery systems.  Each and every day technology is better at producing cold efficient systems faster than any human can.

The real question is do humans want, or are we willing to pay for a better or different product than cold efficiency?  Is collaboration a better mousetrap?

Will The Keto Diet Make You More Productive?

by Glen Depke, Traditional Naturopath

Exhaustion WPThis article is about choosing to burn clean, or dirty fuel … in a way .

So what the heck do I mean by dirty fuel?

Let me explain. There are two significant nutritional choices that will provide most of your energy throughout the day. You can eat carbohydrates or you can eat fat to convert into energy.

This occurs through processes called glycolysis and beta-oxidation both ending in the Kreb’s cycle, or also known as the citric acid cycle.

Let’s keep the explanation simple though.

These processes basically describe the conversion of your nutritional choices into energy.

First let me tell you that you will actually enjoy about six times more energy by converting fat into energy, than relying on the conversion of carbohydrates.

You may remember back in the late 70’s and early 80’s when everybody was focused on “carb loading”?  At that time, we were basically told to eat carbs as your meal prior to major activity.  And you may have been eating things like pasta, grains and flour based products with the thought that you were increasing energy and performance.

Well, the result was quite the opposite, it was in fact leading to energy production, but it was a very inefficient production and conversion to energy. This is what we refer to and call “dirty” energy.

So, back to dirty energy.

Understand that when you convert carbs into energy, your body produces a higher amount of free radical activity and oxidative stress as compared to converting fat into energy.

Fat conversion into energy creates less free radicals and oxidation AND provides you about six times more energy!

Sounds like a win/win for you, right?  Yes, fat conversion into energy makes your body perform more efficiently while burning clean fuel!

What The Keto Diet Means For Burning Clean Fuel and Your Nutritional Choices

Now, I am not telling you to stop eating all carbs and to stop eating your veggies. After all,  vegetables are very important for you from a fiber and nutrient uptake perspective.

I am also not telling you to go Atkin’s and eat all the fat and protein you want.

I am simply suggesting that you learn how to burn fat for fuel to enjoy “clean” energy and MORE energy.

Oh, and by the way, this will also help with:

  • Mitochondria production (the little engine that drives every cell in your body)
  • Help regulate blood sugar
  • Help with weight loss
  • Lowering insulin naturally
  • Helpful anti-cancer strategy
  • Increased energy

So how do you do this?

Guidelines for Burning Clean Energy

Here are some general guidelines:

  • First meal of the day when initially hungry, preferrably 13 – 18 hours after dinner the previous day
  • You can start your day with an appropriate coffee of black tea
  • Add organic butter and MCT oil
  • Eat your second meal approximately 3 hours after your initial meal
  • Eat dinner early
  • Fast until your first meal the following day (approximately 13-18 hours)

Best carbs to eat:

  • Asparagus
  • Avocado
  • Broccoli
  • Brussels sprouts
  • Cabbage
  • Cauliflower
  • Celery
  • Cucumbers
  • Kale
  • Mushrooms
  • Salad greens
  • Sauté greens
  • Spinach
  • Zucchini
  • Berries
  • Grapefruit

Ideal sources of protein:

  • Grass fed beef
  • Lamb
  • Pork (limited amounts)
  • Poultry (free range and organic preferred)
  • Seafood (wild caught preferred)
  • Sardines/anchovies
  • Wild game
  • Eggs (cage free, organic preferred)
  • Organ meats (organic)

Ideal sources of fat:

  • Coconut oil
  • MCT oil
  • Krill oil
  • Cocoa butter
  • Avocados
  • Raw, organic, grass fed butter or ghee
  • Lard or tallow
  • Other saturated animal fats such as duck fat
  • Olives and extra virgin olive oil (third-party certified)
  • Various seeds and nuts
  • Organic pastured eggs
  • Grass fed meats
  • Coconut oil
  • Animal-based omega-3 fats from healthy sources such as wild-caught Alaskan salmon, sardines, anchovies and krill

Ideal dairy choices:

  • Cheese (hard or high fat versions)
  • Heavy whipping cream
  • Sour cream
  • Full fat crème cheese
  • Raw organic grass fed butter or ghee

Best nuts and seeds:

  • Macadamias
  • Pecans
  • Brazil nuts
  • Coconut
  • Hazelnuts
  • Chia seeds
  • Hemp hearts/seeds
  • Pumpkin seeds
  • Black sesame seeds
  • Black cumin seeds
  • Raw cacao nibs
  • Flax seeds (ground)

Best snack choices:

  • Avocado
  • Olives
  • Pickles (naturally fermented w/o vinegar)

Limit your sweeteners to these (limited use):

  • Stevia (preferably liquid and organic)
  • Lo han or monk fruit
  • Xylitol
  • Erythritol

Follow these guidelines for meal preparation:

  • Net carbs of approximately 50 grams per day (total carbs minus carbs from fiber)
  • One gram of protein for every kilogram of lean body mass
  • 70 to 85% of your daily calories from ideal healthy fats

If you are the real go getter and love to take on your new focus head on and both feet in, this may be all you need to enjoy burning clean fuel and enjoy the overall benefits of burning fat for energy and fuel.

Remember, the “clean” energy and fuel!

Click Here to Learn How to Customize Keto for YOU…

If you have any comments or questions regarding this article you may post directly on Glen Depke’s Facebook page or on his Twitter page . He will address them for you personally.

Apply for Your Opportunity to “Feel Young Again” With Depke Wellness

You can reach him directly at (800) 960-2755.

“The products on this page have not been reviewed by the Food and Drug Administration. These products are not intended to diagnose, treat, cure, or prevent any disease.”

                This article was contributed by Glen Depke,  a Traditional Naturopath with a full time practice in Newport Beach, California.  He has expertise in supporting individuals in maintaining a productive healthy ketosis  lifestyle, while feeling young again.