Tuesday, December 29, 2015

Fulfilling New Year Business Resolutions Progressively

Interview with Mark Askew, entrepreneur, business consultant and master business coach at MosaicHub.com.

First Question: What new years resolutions were directly related to helping you get your business up and running.
"My very first new years resolution was to write a business plan. I did.
The following year my second resolution was to start a business online. I did
My third was to diversify income streams. I did
My fourth was to enter the business startup consulting market. I did
My fifth was to learn to develop business plan writing software.
My sixth was to develop a business plan archives featuring the assisted living, senior centers, adult and child daycare and preschool industry.
My seventh was to add business plans for small work-from-home businesses."

What helped you fulfill those new year's business resolutions?
"I think a person should not only make resolutions but also coin a catchy phrase that will keep the goal in focus. That said, articles like Inspiring Quotes From Top CEO's or Celebrity and Entrepreneur New Year Resolution Quotes athttp://www.smallbusinesssuccesstips.net/2015/12/celebrity-and-entreprene... can provide the motivation you need to stay focused on new year resolutions."

Is that all that's needed, catchy phrases and inspiration?
"No, setting goals, making resolutions, and getting inspiration are not enough. The bottom line is you need to consistently follow through weekly, monthly and yearly to progressively bring each goal to fruition. That said, get your hands on a progressive business plan. Progressive business plans help you reach realistic goals one step at a time gradually but sure at a pace you can live with. That's why I wrote the book "The Introvert's Guide - How To Start A Successful Business." It guides the reader through the entire stage of business conceptualizing. planning, registration, and marketing with the goal of cost reduction and profit making."

Start the new year right. Be progressive. Fulfill your business goals one step at a time.
Looking for a winning low overhead business plan that steps you through the business startup process? Get Mark's book "The Introvert's Guide - How To Start A Successful Business." and start fulfilling your New Year resolution today.

Monday, December 28, 2015

Celebrity and Entrepreneur New Year Resolution Quotes

Thinking about starting the new year on the right foot? Many successful entrepreneurs set daily, monthly and yearly goals. Many of these goals become resolutions for the new year. This may include improving our diet, adjusting our attitude, changing employment or career, starting a business or second income stream. Here is a list of inspiring new year resolution quotes from celebrities and entrepreneurs that's sure to help you set and meet your goals for the coming new year.

Celebrity and Entrepreneur New Year Quotes

"The first chapter of the book of opportunity is New Year's Day." - Edith Lovejoy Pierce

 "I resolve to stop complaining". - Leonard Bernstein

"Cheers to a New Year and another chance for us to get it right." - Oprah Winfrey

 "All hail the... possibilities of the coming twelve months!" - Edward Payson Powell

“Never continue in a job you don't enjoy." - Johnny Carson

“The love of family and the admiration of friends is much more important than wealth and privilege.” - Charles Kuralt

“No disease that can be treated by diet should be treated with any other means.” - Maimonides

“I've realized that I'm more important than food..." -  - Valerie Bertinelli

 “Logic will get you from A to B. Imagination will take you everywhere.” - Albert Einstein

“The best way to predict the future is to create it.” - Peter Drucker

I have the opportunity
Once more to right some wrongs,
To pray for peace, to plant a tree,
And sing more joyful songs!
- William Arthur Ward

"Opportunities don't just happen. This year, make them happen."


Got a great business idea? Looking for practical real world business opportunities, Need a second income stream? Download Fimark's Winning Business Plans and get your new business up and running in no time.

Friday, December 25, 2015

New Year Resolution: Build A Second Income Stream

New Year Resolution:
"Opportunities don't just happen. This year I will make them happen."

Looking for a great business opportunity? If you're waiting for one to come along better grab a chair, it'll take a while.  What about those prepackaged home business opportunities? If you're like me you've tried building a second income that way and found them all to be a pure waste of time. Don't even bother with those online offers to make money reading articles or writing for message boards. And completely put out of your mind those so-called pay-per-survey offers. Pure drudgery with bottlenecked pages and mentally confusing incentive offers which are just camouflaged sweepstakes that either don't actually pay a dime or pay only a few cents per form. This new year it's time to get serious and stop wasting your precious time. How?

Establish a real second income stream business and grow it over time using pre-written business plans that have already been used to establish successful businesses.

Most individuals consult business plans when they're trying to bring a business idea into fruition and visualize it in clearer view. Once you establish a frame of reference for starting up, organizing and managing your business you're only a few steps away from making a real reliable income stream. 

The initial step is determining the extent you can go with organizing, financing and managing a business operation. For example, do you have the time and resources to craft or manufacture products? How many people will you need to employ vs. the number of people can you employ? What legal aid can you afford? Should you hire an accountant or do the accounting yourself initially? Bricks and mortar or web-based? How do you decide which approach is best? 

The solution: Consider starting a small income generating project on the side using a business plan specifically written for growth and expansion over time. Start slow, sure and simple while studying the business growth plan regularly.

Look at your savings account balance. Can you invest about $300 - $500 in the business at this time? If so, good. Working capital is essential to steady growth. So where should you put your money first? 

As you gradually grow the business you are also growing your income stream exponentially. Invest in the basics. Keep overhead costs low and finances manageable. Example: Let's say you want to start an adult or child daycare service. Start with a few clients and designate a part of your home as the day care facility rather than leasing a large facility. Want to start a consulting service? Put a home office with private entrance in the finished basement. Perhaps you want to start a mechanics shop. Use your double garage or rent out a garage on a busy business district. Maybe you want to sell products online. Build a website, and promote the site using simple organic search engine marketing methods. As the business grows so will the income stream. At that time invest in a more sophisticated marketing plan. Business plans are designed to help you do just that.

Your first step toward successfully establishing and growing a second income stream is selecting and downloading the business plan that best represents the kind of products or services you will offer.  These plans show how to market and promote the products and services associated with it. Effective marketing and quality service will help grow your business and income stream over time. Closely examine business plans from the following list below to get started.



Internet Based Business Plans
Homebased Business Plans
Direct Market Sales Business Plan
Catalog Sales Business Plan
Etsy Sales Business Plan

Amazon.com Associate Business Plan
LuLu.com Book Publishing Business Plan 
Zazzle Associate Business Plan 
Cafe Press Sales Business PlanOnline Shoes Sales Business Plan
Online Greeting Card Sales Business Plan
Online Software Sales Business Plan
Digital Music Sales Business Plan
Online Flyer Sales Business Plan
Online Printables Business Plan
Online eBook Sales Business Plan
Children’s Book Sales Business Plan
Home Party Business Plan
Book Authoring/Publishing Business Plan 
Freelance Writing Publishing and Sales Business Plan
Direct Sales Business Plan
Cake Decorating Sales Business Plan 
Avon Rep Business Plan 
Gift Card Business Plan
Freelance Graphics Design Business Plan

Recording Artist Self Publishing Business Plan
Event Planner Business Plan 
Party Planner Business Plan

Wednesday, December 9, 2015

From Business Idea To Business Profitability

“A business idea is just another idea. But an idea backed by a strong feasibility, a thorough business plan and a smart team is no longer an idea. It’s now a solid business opportunity worth pursuing.”

Taking your business idea and transforming it to a living breathing business entity is a matter of laying down the ground work in the form of a proven competitive business plan. That means communicating the mission, method and strategy. Forming a talented experienced and skilled team to implement the plan in such a way that it produces the desired results.

It does not matter what kind of business your building. Whether it is a Child or Adult Day Care Service, an ATM Machine Service or a Direct Sales Marketing venture. You need a vision, plan and solid team.

So, What is your vision, objective and mission? Where is your written competitive business plan? Who are on your dream team? Get these three stages firmly in place and you'll have a productive, sustainable profitable business.

For access the right business plan strategy go to http://businessplans.fimark.net


Friday, November 6, 2015

The DNA Code For Home Business Success

Every living organism follows a specific instinctive and learned process for the survival of it's species. Think about it. Housed in our DNA lies a built in written plan that provides the instinct to build a habitat, copulate and multiply. That DNA contains a written recipe for breast formula specifically engineered to provide much needed nutrients specific to good health and growth. More remarkable is the innate aptitude to proliferate, expand the domain and penetrate other territory while fending off predators and protecting the lair.

So what does all this teach us about the life of a home business? What we have actually considered is that our DNA code is the formula for business survival and success. Let's recap what we've learned.

Organic Formula For Survival of a Species

Seek or Build Habitat  + Partner with Healthy Mate  + Regularly Feed From Pasture + Copulate Proliferate + Engage Young In Survival Training + Expand and Protect Domain = Survival

-   -   -   -   -   -   -   -   -

The fact is business is not only a way of life, but it is much like a living organism in and of itself. It needs what we need to survive and thrive. Following age old built in instincts of survival and growth reveals the formula of business sustainability.  Having extracted the 7 methods of biological survival we have the basic formula for home business success:

Formula For Home Business Survival and Success


We have learned over the past several decades that natures course, not the corporate path, is the key to survival of all species on earth. For that reason many have chosen to go organic. These same principles are necessary to sustain the life of a household. Studying the biological path to survival has yielded many formerly unknown, untapped sage lessons for home business success. Note the Biology of Business comparison chart below.

Business DNA = Sustainable Business Plans

A sustainable business is a business with biological DNA or a sustainable written code that will serve as the path to follow, the business plan for building a rock solid infrastructure, establishing strong partners, penetrating a robust market and an invincible plan for growth and proliferation. Note the following:

DNA Code For Business Success

A written winning business plan with rock solid business infrastructure

Form meaningful partnerships with strong well established affiliates. How?

Establish partnerships your competition has tried to secure.

Enter a robust market with the ability to deeply penetrate it and proliferate. How? 

Do your part to keep the market robust. Make recommendations, business to business promotions, serve as a network base that allows business owners to meet, consult and combine talents and resources for mutual growth.

Assemble a motivated inspired marketing team. How?
Build enthusiasm, confidence and passion for the business

Implement a comprehensive training program. How?
A continued training program that passes wisdom and experience on to the next generation

Execute a decisive domain protection strategy. How?
Implement up-to-date online security precautions to protect the domain, web site, apps and content

Maintain and sustain a continuous revenue stream.  How?
Diversify and penetrate several markets sectors and locals. Create own market niche. Vary your investment portfolio. Offer a full compliment of product accessories or interrelated services.

That said the business plan is an intrinsic part of the biology of business. It is in fact the DNA code - a written plan that describes in detail how a business is going to build, flow, grow, lives, survives and thrives.

Mark Askew, founder of Fimark's Winning Business Plans says "Get your hands on a successful competitive business plan and you've found gold. Getting instant access to such a gem is not as difficult as it might seem." Check out the business plan links on this blog page.

Tuesday, October 20, 2015

7 Keys To New Business Success - Part 2

This past week we discussed various failsafe strategies to start, maintain and grow your business and how to avoid business failure. Among the strategies were seek temporary employment with your competitor and learn the business from the ground up. In so doing, discover a niche in that market that has greater appeal to consumers or consider a service or product that will better serve your competitors needs. The challenge here is both time and timing.

Read Keys To New Business Success - Strategy #1

As said it takes a considerable amount of time to follow steps 1-7 of Strategy #1. But time may not be on your side. That said consider this time saving strategy #2.

Keys To New Business Success - Strategy #2

1, Read company press releases.
2. Read company interviews featuring corporate executives and administrative staff.
3. Utilize online business professionals question and answer discussion boards.
4. Read company marketing materials
5. Read company newsletters
6. Join open house company tours and ask questions about future acquisitions, customer retention, target demographics, etc.
7. Read company stock market news and investment statements,

 Even better, get your hands on your competitors business plan. That said, did you know your competitors business plan can be found online and downloaded to your device? It takes a bit of searching but it can be done. Don't have time to do in-depth online searching? Don't know where to start? There are a few reputable companies out there that offer an archive of business plans in the same industry and market that were actually used to start, grow and maintain a success business competitor. Connect with that archive and you've found a goldmine to success.

If you've considered establishing a home business, download my complete archive of winning competitor business plans drawn from established companies that have successfully penetrated the market. Visit http://businessplans.fimark.net and select the business plan and business plan-use license that best fits your needs. Once that's done you'll have your business success master strategy down-pat and your business up and running in considerably less time.


Wednesday, October 14, 2015

The 7 Keys To New Business Success Part 1

The difference between a successful business and business failure is in the planning stages. Many would-be-successful entrepreneurs start new business too quickly without a failsafe formula. What's needed is time to incubate, strategize and build key resources that leverage the business against unforeseen obstacles. This series will present time-proven business success strategies that keep you in business and extend the life of your company.

Keys To New Business Success - Strategy #1

1. Keep your friends close but your competitors closer.
2. Work with them and for them before starting your own business.
3. While employed by your competitor study it's business process, target market, clientele demographics, marketing strategy and seek to improve on the product, service and marketing method. 4. Discover a niche in that market that has greater appeal to consumers or consider a service or product that will better serve your competitors needs.
5. Record all your findings in a business plan.
6; Even better access your competitors business plan.
7. Simpler approach - Download winning competitor business plans online now.

As said it takes a considerable amount of time to follow steps 1-7. But  time may not be on your side. That said consider this time saving strategy.This can be done any number of ways. Read their press releases. Read online interviews featuring executive and administrative staff in various departments.
Utilize business question and answer discussion boards. Event better get your hands on your competitors business plan. Did you know competitive business plans can be downloaded online, It takes a bit of searching but it can be done.

If you've considered establishing a home business download my complete archive of winning competitor business plans from established companies that have successfully penetrated the market.
http://businessplans.fimark.net



Friday, October 9, 2015

How To Protect Your Money When Expanding Your Business

So you're contemplating getting a business loan or refinancing your current loan in order to expand your home office and business? Stop right there! There are several moves and methods you should consider first in order to protect your money and save. 

Your first step is to consult your business plan. Many lending institutions require examination of a working business plan before considering a loan request. What? Don't have one? Consider this. The purpose of the business plan is to determine the course of business marketing, process and expansion and execute in the most productive way possible while sparing revenue, increasing profits and achieving said growth. That said, a business plan will help you determine what marketing venture is needed to expand and grow your business as well as the financing needed to achieve that end.

Consult this list of business plans and download your business plan from the business plan archive listed here... top-20-online-business-plans


Your next step is to protect, save and grow your money. The key is to know your rights and options when getting a loan whether it be for business expansion or personal use. When contemplating getting a loan follow the steps outlined below.

  1.   You have right of rescission.
  2.   Rates change daily and can drastically alter the cost of a loan.
  3.   You have an option to lock-in rates up to 60 days.
  4.   Fees vary from lender to lender so shop around
  5.   You can Interview your lender before they interview you
  6.   Lenders should have a list of references or current satisfied customers at your   request
  7.   You are not obligated to a loan just because you filled out an application
  8.   You should screen all initial contacts by lenders and brokers using the Better Business Bureau and Mortgage Broker Associations
  9.   You protect your credit score by accepting a loan shortly after application
  10. Don't accept the first offer you get
  11. You can negotiate fees
  12. No money down loans are not necessarily money saving deal.
  13. No cost applications are not what they may appear to be. Expect fees at closing.    14. Regardless of fees waived keep your eyes on the interest rate and points. 
  15. When doing a “cash out refi,” don’t raise the level or debt you have unless you’re doing home improvements. If you do, you are at a higher financial risk and credit card companies may increase your rates.

Get more information from here.



Tuesday, September 29, 2015

Fix: Winning Business Plan Download Archive Now Enabled

So you tried to download Fimark's Winning Business Plans but the purchase module would not work for you? Good news. It's now up and running and better than ever. You can now choose individual business plans for download or download the entire archive. Either way you get instant business plan downloads so you can get your business plan down pat and your business off and running.



More good news. Business plan writing web app added with many features for writing, researching and producing professional business plans in no time. Go to Fimark's Winning Business Plansand download your winning business plan now.



Thursday, September 24, 2015

Saving Money By Lowering Interest Rates

Protecting your money means lowering your interest rate on home mortgages purchases and home refinance loans. Is this a good time to refinance? When interest rates are lower that your current rate.

The benchmark 30-year fixed-rate mortgage fell to 4% from 4.06%, according to Bankrate's Sept. 23 survey of large lenders. A year ago, it was 4.3%. Four weeks ago, the rate was 4.03%. The mortgages in this week's survey had an average total of 0.26.

That means increased mortgage interest rate saving compared to previous years. Home mortgage purchase and refinance applications are up.

Tuesday, September 8, 2015

99 Winning Direct Sales Marketing Methods

Looking for new innovative ways to increase referrals and impact sales or services? There are many marketing strategies out there but which ones are sure to work for you.  Consider this. Marketing vs. client referrals. Some companies focus solely on marketing while others opt for methods that increase client referrals. One rule applies. Don't bother comparing apples to oranges. Use them both. 

While a business should focus on turning a great client experience into an ongoing referral stream, effective marketing is essential to create new referral origin points to grow the business. Obviously the more origin points there are the more referral streams occurs with resultant growth exponentially.  No matter if your business revolves around sales or service creating referral points of origin is vital to the life and growth of your business.  That said, make use of the 99 Winning Direct Sales Marketing Methods.

99 Winning Direct Sales Marketing Methods

The 99 Winning Direct Sales Marketing Method is not just for acquiring sales it is for creating new points of origin for client referrals via a sales force or service entity. it is a proven, tested, tried and true marketing model every business needs.

The Direct Sales Marketing Business Plan. 

The direct sales marketing plan is a list of 99 proven marketing methods that can drastically improve client referrals, sales and client retention. You are bound to run a more effective marketing campaign. It's ranked #1 on the Google search engine (keyword: Sample Direct Sales Business And Marketing Plan) because it's just that good.

Once you click over to Fimark's Winning Business Plans page select the link Direct Sales Business Plan and download the business plan. Why delay? Increase sales today. Enjoy the benefits of proven marketing methods that work. 
http://businessplans.fimark.net/direct_sales_business_plan.html

Wednesday, September 2, 2015

How To Brain Storm Developing An App

A great way to market your online business is with a simple app. The app can help you keep in touch with potential clientele who share interest in your product, service or content. Apps serve varied purposes. The question is what purpose will your app serve.

Start by writing an app development business plan similar to the formats found at http://businessplans.fimark.net. Focus on objective, mission, and address the demand for the app. The market/industry it would serve. The apps features and functionality needed to respond to that demand. It's versatility of use and growth potential when developing it on popular SDK platforms such as those provided by Google, Facebook and Pinterest.

Start writing up an app development marketing and sales business plan with a focus on putting together a team of developers, web media specialists, marketing and sales professionals who can define the best possible design and features that would make the app a highly competitive product on the market.

Tuesday, July 14, 2015

Save Months With Business Plan Web Apps

Have you considered starting your own business? Many successful entrepreneurs have started daycare, book authoring, bakery sales, event planning, lawn care and several business services. 

Starting a business can be tedious and time consuming. Most folks don't know where to start. If you're pining for business plan ideas and need a step by step guide think apps, web apps that is. Business planning web apps put all business plan and startup tools at your fingertips and guide you through the process of establishing your business step by step.

While there are a number of business plan archives and business planning apps online which ones stand out above the rest?  

The features you want in a business planning web app should include the following:
  • A comprehensive step by step guide to starting a business
  • A business plan writing tool
  • Access to a large archive of Business Plans
  • Access to government programs for establishing a legal entity
  • Special government services for new small businesses      
  • Market Analysis Tools
  • Financial Analysis Tools
  • Business Forms  


Where can such web apps be found? It is a prime feature found in the business plan packages offered by online business plan archives. Users can look over some of the more popular business opportunities and select associated business plan samples. 

Once the user is certain that the business plan sample is suitable to their venture they simply download the item and have instant access to the associated business planning web app. Not all business plan archives offer web apps so carefully read the features of the package before downloading a business plan.

- - - - - - - - - - - 

Fimark's Winning Business Plans have been providing business plan startup tools online for over a decade. The business startup guide called the Business Planner web app comes with every business plan order and can be accessed via a special link provided in the email order confirmation. 

Business Planner Web app



Find out more about Fimark's Winning Business Plans at Business Plans And Writing Templates Instant Download

Tuesday, June 30, 2015

Taking Advantage of Economic Recovery Part 2

Are you caught in a vicious no money cycle? Before you know it the funds run out, bills pile up and your back at square one fishing for money. Anxiety, worry, embarrassment and depression instantly set in. How can you end the cycle? Here is a list what will help you turn it all around, but you need to act while there is still time.
  1. Don't Squander
  2. Save sales receipts
  3. Record transportation/travel expenses
  4. Report taxable income
  5. Report business and job finding expenses
  6. Earn a second income at http://webiz.fimark.net

Don't Squander

To break the cycle there is one rule you'll want to follow for life. Don't squander. Spend a small part of the income left after bills are paid and put the rest in savings or add it to your investment package.

Why Let Your Money Sit

Some people may wonder why they should let their money just sit there seemingly doing nothing. The fact is having money just sitting around makes you look good. Very good to creditors, business owners and banks. How so? Having residual income helps you pay your bills on time. That raises your credit score.

Why Build Your Credit Score

A consumer with a high credit score and hefty savings account is considered a wise investor, smart consumer and desirable business associate. Creditors are desperate for your business and will give you a better deal than folks who don't have much in savings or are crippled by bad credit.

Why Report Taxable Income and Other Expenses

Prepare to report your taxes now by filing away all sales receipts and transportation expenses.
Do you spend a lot of time on the road or in the air? Keep track of all travel expenses for business, work and school. Unemployed? Actively looking for a job. Keep track of these expenses and report long distance calls, resume preparation, career counseling and networking.You may be in line for a large tax refund.

Now that's money you can bank on. And speaking of banking, in our next article we'll discuss what to do when that hefty tax refund check comes in.

Need more ideas to increase your income? Start a second income side business. Many of these businesses run right from your home and require low or no overhead costs. Where to start? Consider a talent, skill or hobby you or a family member enjoys and is good at and would like to blog or vlog about. Select and download the business plan that best complements that talent skill or hobby and shows how to promote products and services associated with your business. Start here.

Taking Advantage of Economic Recovery Part 1

In this day and age many are concerned about surviving the economy. Creditors desperate to stay afloat hammer other creditors who in turn raise the cost of living while relentlessly hammering debtors desperate for relief.

But if you can read this blog consider yourself among the privileged. You have WiFi access, you are literate and you exist in the age of economic recovery. The question is what will you do with the advantages you now have before the next economic crises hits? There is no better time to learn how to make, grow and protect your money responsibly.

Learning From The Past

There was an old tale, about a young man who decided to take his share of the family inheritance early in life and go out and see the world. He squandered his money on worldly women, wine and partying. And as the story goes, as quickly as he ran out of money, he ran out of friends. With no to bail him out he grew gravely poor, hungry and destitute. In time he came to his senses and decided to make the long trek back home and ask to serve as a hired hand in his fathers business in turn for food and shelter. The lesson?

Breaking The Anxiety Pattern

Experts say the economy is recovering. Others say it has recovered. No mater what the facts are when blessed with a few dollars in your pocket or a few grand in the bank don't squander it. Even better don't squander your time to make money or opportunities to grow your money. All too often the funds are used on bills and the rest on a vacation or entertainment. Worst some actually get into debt to get a taste of the finer things of life. Before you know it the funds run out, bills pile up and your back at square one. How can you end the cycle? Here is a list that will help you turn it all around once and for all while there is still time. Read the next article.

Wednesday, April 8, 2015

How To Teach Your Children To Be Responsible Adults

The District of Columbia has the highest unemployment rate jetting to 7.8 this year. Nebraska has the lowest unemployment rate leveling off to 2.7.  Why would the nations capital be losing so much ground at a time when it's population is so well represented in the white house? Many say it's legislation. Others say it's corruption. Still some say it's too much talk and rhetoric and not enough action.

Staring out of my second floor apartment looking steely eyed and disillusioned I think about how the streets sounded 6 year ago. Loud. Full of speeding cars, shot guns and the constant ring of police sirens. There was a deal going down on almost every block. Now all that is gone. I am thankful for the peace and quiet. But I can't help asking, rhetorically where did they all go?

Many are locked up based on trumped of misdemeanor charges aimed at keeping them behind bars until they have at least satisfied the city, state and Feds that they have become a responsible member of society. With less shootings, murders and fear our children have a chance at growing up. But more is needed. It begins at home. Our children need to learn how to love themselves. How?

Parents who put their children on a reward system say they are happier, more productive and quickly become goal setters. Such a system gives parents an opportunity to commend your children for their effort and cause to celebrate that effort more often. It helps them develop self-esteem and confidence. Before long they are showing interest in constructive hobbies and making plans to pursue practical goals.

Help them acquire a skill and learn a second language. Prioritize family night and at least once twice a month, Family weekend. Volunteer for community outreach programs and teach them how to give freely.

Most important, teach your children how to manage money and run a business. Give them an allowance and show them how to spend wisely and put some aside for business purposes. Be assured they will be OK. They will know how to manage. In time they will even know how to take care of you.

For more ideas on how to start a work-at-home small-business go to http://businessplans.fimark.net

Friday, March 13, 2015

How To Make Money Online Part 3

By now you have your blog, social and email accounts setup.  You also should have established some impressive affiliate network accounts. 

Your next step is to grow your audience. Why? The more folks you have reading your blogs, blurbs, posts and email the greater your potential of earning income. 

Right now Facebook and Google make it easy to add more friends, followers and readers to your accounts. You can add up to 50 to 100 per day. Every time you post a blog share a link to it on Facebook and Google. Twitter and Pinterest. It's all free. Here are some examples:

1. Facebook.com
2. Twitter.com
3. Blogspot.com
4. Pinterest.com

Choose your friends, followers and circles wisely.  You don't want spammers, hackers or questionable characters in your circles. They will only sabotage your operation and lower the trust factor among your readers. 

Many companies allow you to post comments about their products on their website. Direct readers to your comments featuring more information about a product. This will help build your audience and create good notoriety. 

Need more details and inspiration? Visit http://webiz.fimark.net and follow the step by step online business start-up tutorial. 

Feeling inspired? That's what I'm here for. 


How To Make Money Online Part 2

We all want to enjoy a modest income that pays the bills and leaves us with savings and something for entertainment and recreation. I earn money posting event planning ideas via my blog. As readership grows so does my income, thanks to the ads I placed on the blog.

There are other ways to earn income from a blog, social or email account.

First enter an affiliate partnership with companies and brands you know and trust. Post product and web resource recommendations from your blog, social or email account. This increases income potential exponentially. Here's how.

Like tees, shirts, hoodes, caps, neckties and ornaments? Check out the stuff featured at Zazzle. Zazzle let's you sell their custom designed shirts, hoodies, caps and more. Post them on your blog and increase your income stream.

Sell website builders by talking about a specific website design and why you love it. Sell professional websites using this tool. 

Does your school, church or club need to raise funds? Recommend fundraiser apps (no credit card required) to everyone and anyone who is part of a club, organization or association. Resell fundraiser apps (no credit card required) via your blog and put the scan code on your phone so people can get to it quickly and easily.

Like to shop online?  Open a free account on Amazon.com . Sell anything and everything you want from your blog. Create a free Amazon.com social account and comment on products you like. Link you blog to it to pull in more readers and potential shoppers.

Send email links to friends you know will love a certain product. When they buy it you automatically earn a commission. Imagine selling a swing set, refrigerator or stereo system. You get the idea.

Need more details and inspiration? Visit http://webiz.fimark.net and follow the step by step online business start-up tutorial. 


How To Make Money Online Part 1

The best things in life are free. That means only very small investments are needed to start your own work-at-home business. The rest is what the "good earth gives up to you" and for you. That said, if a modest income is all you need here are some great ideas on how to earn it while working from home.

1. Get a free web page on Google Plus and Facebook.
2. Setup a free Blog on Blogger
3. Blog your heart out. One brief blog post per day will do. Talk about things you love, would like to try or are good at doing and the tasteful things the kids and pets do that make you laugh. Take pictures and video of your more tasteful activities and post them to the blog.
4. Post positive quotes and words of wisdom. The ones that keep you going. There is an
    endless list on Pinterest.
5. Post recipes, DIY tips, inspiring stories, 
6. Invite friends and family to view pics and video on your blog and comment.
7. Like to tell short or ongoing stories? Make them up as you go along. People love fiction.
    Especially silly fiction.
8. Post funny T-shirts designs

As you can see finding content is easy. But how do you make money from your content? That's the question. In the earnings section of Blogger enable Google Ads. You'll earn money every time someone visits your blog and clicks on an ad.

Need more details and inspiration? Visit http://webiz.fimark.net and follow the step by step online business start-up tutorial. 

Monday, February 2, 2015

Coping with Unemployment - New Business vs New Job

Most of you know that I have been blogging about economic news for years, putting you on alert on how the economy impacts your money and showing you how to protect income and recover losses. Now I want to talk about taking on a new small business venture vs pursuing a new job. Which?

While many are open to new job offers the time and rime and effort it takes to find adequate employment can be long and arduous. With the turning of the economy new markets are opening up each day. For that reason many unemployed are trying to find ways to take advantage of stronger markets and new business opportunities. But here's the question? What are the pros and cons of starting a new business vs taking on a new job?

Pros New Business
No more layoffs
No possibility of being fired
Some flexibility
Work own hours
New markets can lead to greater growth opportunities
Government Grants available
Government Contracts may be available
Can work more indepentantly
Greater investment opportunities

Cons New Business
Finding an affordable health insurance package
Taxation and consume a considerable amount of earnings
Zoning laws, regulations and licensing can restrict growth
Competition can limit client acquisition
Slow economic conditions can reduce growth potential

Pros New Job
Guarantee of a steady paycheck can reduce anxiety
Affordable health insurance package
Ability to create a pension/severance and investment package
Opportunity for growth more probable
Further education and training may be available

Cons New Job
Little work hour flexibility
Must adhere to schedule and mandatory overtime
Possibility of strained coworker relations
May not share management work ethics
Possibility of layoffs
Possibility for pay-cut
No seniority

Many who have been laid off for over six months or more are considering business opportunities that give them the flexibility to stick to priorities, namely family.  But the challenge is having the resources to start that business. Regarding the job vs business issue the key is to find the happy medium. And what is that? Many opt for the all too prevalent part-time job while using some of their free time to gradually build and grow the business. Such opportunities may include child or adult daycare, performing arts and community outreach support services subsidized by government grants, a cleaning service or dog walking business, etc. Still there is the cost of overhead. The key is to find a low overhead business opportunity.

How to get start? Simply download a winning competitive business plan. These plans focus on low overhead business development and basic proven winning marketing strategy. Visit the business plan archive at http://businessplans.fimark.net



Wednesday, January 28, 2015

Most Important Growth Stategy For Business

Let's talk about growing your money from a business perspective. If you were to ask a group of entrepreneurs to identify the single most important growth strategy for business your answers would be varied. Some would say:
1. Just do what you say your going to do.
2. Don't disappoint the client.
3. Build an effective infrastructure.
4. Focus on up selling
5. Good lead conversion
6. Good client retention. 
Still It's one thing to see the importance of carrying out the following this advice. it's another thing to know how to execute it.
That said the best strategy is knowing what your competition is doing. Carefully study your competitors strategy and know what key factors enable effective market penetration. That means knowing which competitors to target. Here are some helpful points.

  • Well established in the market, meaning said penetration runs deep and wide.
  • Experienced in its line of business
  • Been in the green for a considerable amount of time
  • Has an economic flexibility strategy
  • Can successfully keep up with changing times and technologies.
Choose a competitor whose infrastructure has proven to be effective on all levels. Customer response time. Steady sales growth. Good conversion strategy. Long term client retention, etc.
I usually am able to help my clients obtain such a competitors business plan. Click on Fimark's WInning Business Plans in profiles for more information

Wednesday, January 14, 2015

Protect Your Wages Earnings and Assets

Contending with the  ruthlessly exploits of lenders and thieves is no joke. This is a wage and earnings defenders news, tips and tools resources helping consumers, employees, business owners and wage earners fight predatory creditor tactics. 

Imagine being subjected to a constant onslaught of income and banking theft while having your wages garnished and your home foreclosed and life savings hijacked. This resource shows you how to fight back, get your seized assets and stolen wages back and even grow your money to offset losses. 

Our focus is on defensive success stories, making use of the legal system to stop creditor harassment, reverse income hijackers, end garnishment of wages, examining and halt various predatory tactics while learning how to stop wrongful debt collection.

Here you will find helpful consumer info and economic news you should know about to create a strong credit profile, build an income cushion, learn how to create a defensive budget and establish a fall back second income stream to recover losses while making practical use of the justice system, consumer advocacy programs, arbitration and make smarter financial decisions to protect it all. 

Lets start with protecting your wages from garnishment

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Tuesday, January 13, 2015

Protecting Your Wages From Garnishment

With the prolific age of digital communications debt collection agencies are now more fierce than ever before. How can you protect your wages from garnishment? If garnished how can you fight back and recover losses?

First Step - Know Common Debt Collection Tactics

Personal and Employer Phone Harassment
Post Mail
Social Security Benefits
Tax Debt: MVA License Renewal Withholding
Wage Garnishment

The most insidious of these is wage garnishment. If you are facing wage garnishment you are likely under extreme anxiety. Much is at stake. All it takes is one unpaid bill to set a financial tsunami in motion and completely obliterate your well balanced budget and financial planning.  Immediate loss of assets in terms of home and car can ensue and pull you into a vortex of unending financial crises.   There are laws and procedures to help protect you from being financially overtaken when facing garnishment.

Wage Garnishment Process
While laws vary from state to state, understanding the basics regarding the wage garnishment process can help you fight back and stop the process before things get out of hand. Let's talk about the wage garnishment process:

1. Sheriff serves levy to employer. The court may bypass direct serving and simply mail the levy to your employer instead.

2. After serving levy Debtor has 10 days to file claim of exemption

3. Garnishments are collected from 30 to 180 days until the debt is paid in full but no more than six months.

4. Employer holds money until garnishment debt reaches full accumulation and then turns it over to the collector in one lump sum.

Second Step - Negotiate Before Garnishment

Make payments affordable. Refer to levy garnishment notice and submit a request for a slow pay motion - Submit request for judge let you make small payments

Third Step - Object To Intent To Garnish Wages 

File Objection to Intent To Garnish. You should file any objections you have to the garnishment, in writing, with the court and and request a hearing. The garnishment papers might contain forms that you can fill in and request a hearing.  If not, you'll have to complete and file something separately.

Know the law. Under federal law, your creditor can only garnish the lower of 25% of your disposable earnings (gross pay less taxes and mandatory deductions), or your disposable earnings less 30 times the federal minimum wage.  Some of the more common objections you can make include: The Creditor is Taking Too Much Money

If the amount of money proposed to be garnished from your wages exceed what federal
and state law allow, you should object to the garnishment immediately.

The Creditor Did Not Follow Proper Procedures
Look over the court garnishment papers thoroughly. Are dates, payments due and signatures accurately filled out? If the creditor did not follow garnishment procedure, then the court may terminate the garnishment order. An example of improper garnishment would be if the creditor
failed to give you timely notice of the garnishment.

The Creditor Was Paid
If you already paid the judgment, or if the creditor received full or partial payment
toward the judgment through other means then you obviously need to object so that the
creditor doesn't receive more than what it is legally entitled.

Fourth Step - Attend the Objection Hearing 
Once you have filed your objection, then you need to attend the hearing otherwise the court may overrule your objection and the garnishment will begin.

What if the court denies your objection and rules in favor of the creditor? Is all lost. No! Even if you attend the hearing and the court denies your objection, you can still use  this as an opportunity to meet with the creditor and negotiate a payment plan that will satisfy all parties and stop the garnishment.

Fifth Step - Negotiate After To to Stop Debt After Garnishment is Executed

Contact the court and request a slow pay motion to make smaller payments. This may involve appearing in court.

Sixth Step - File Chapter 7 Bankruptcy

If you file MD Chapter 7 Bankruptcy you can not only stop payments but the debt that has been collected by the employer can be returned to the employee.

Seventh Step - Create A Protected Income Stream

Protect some of your money while wages are being garnished by earning a second income to offset your losses. This can be in the form of a small side business in the form of contractual work. This for of income cannot be easily seized and garnished. For second income stream and small business ideas with little to know startup and overhead costs read the article Determining Which Business To Start.

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