3 Essential Tools for Starting and Maintaining a Small Business

We believe that there are 3 factors that drive the success of small businesses.

1) Acquiring start-up capital
2) Finding customers
3) Accounting for, budgeting and controlling sales and expenses

The following resources will help your small business achieve these success factors.


Acquiring Start-Up Capital 

An adequate supply of capital is essential as many profitable businesses fail because they don’t have enough cash to pay their employees and suppliers. But what is an adequate supply of capital? The only way to tell is by doing a significant amount of research on your potential market and formally documenting this in a business plan. I’m sure you know that a business plan is a very important document that is crucial to convincing your banker to lend you money.

There are two ways to obtain a business plan.

1) Do it yourself by amending a business plan template, or
2) Hire a professional to do it for you.

Obviously, if you are in need of loan you will need a professional to do it for you so as to have perfect financial forecast. The financial section is one of the most important parts of a business plan, once you get it wrong it will be difficult for a lender to buy to your offer because investors or lender will like to know how you have a plan to spend the money they will lend you.

Our research led to a website that has over 60 high quality and free business plan templates. We also found a directory that you can use to easily find a business plan writer in your city.

Finding Customers
Finding customers is a difficult and expensive task for service business owners such as accountants, lawyers, and plumbers. We believe that a cost-effective marketing strategy for service business owners is to simply give all their personal contacts a few business cards.

Our research led to a few websites that have pre-designed business card templates. We felt that the diversity and quality of these designs were outstanding. In addition, we found that you can obtain a significant saving by finding a printing service on the Internet. We found that you could get 2,000 full-color business cards for as little as $150.

Accounting For, Budgeting and Controlling Revenue and Expenses

Accurate accounting is very important for small business owners. It’s essential that you have timely access to information that could make or break your business. If stocks are running low – you need to know about it. If a large proportion of your debtors haven’t paid – you need to know about it. If you do not react to these situations quickly you may have a situation where you don’t have enough money to pay your employees – or worse still someone is stealing cash out the till.

Our research led to a website that compares and reviews top accounting software for small businesses. The cheapest software cost $89.99 and the most expensive software cost $1,499. It was interesting to note that the top 3 ranked websites were not the most expensive and cost between $250 - US $300.

Hopefully, you now have an idea of some of the tools that you can use to grow and maintain your small business. If you would like to benefit from our research please visit our website. We do not charge for this research and offer the content freely on our website.

Are you in need of a professional to write a catchy business plan for you? Contact Marcus on Fiverr HERE

Marketing Your Business - How Do I Adapt To The Internet?

The way we do business is changing rapidly. From VOIP, video conferencing, email support, telephone answering services, and the almighty internet. As a business owner, we are faced with hundreds of decisions our parents and grandparents never had to contend with.


Some of you keep hearing from other business associates that internet marketing is the greatest method of increasing business and building a foundation for customer support. The only problem is, you've just learned how to send emails to people! Never mind learning about SEO, web design strategies, content analysis, pay per click, ROI, etc!

Do you hire an SEO company or do you learn yourself?

Investing time into your company is what we business owners do best but, in many cases, when it comes to learning new methods we quickly open our wallets to anyone out there who seems like the right person to help with your situation. This is the worst possible decision you can make.

Diving into the internet marketing community with your wallet open will result in a disaster if you aren't properly trained on how to spend your money wisely. The key is not to hire an SEO (Search Engine Optimization) company to take your money and promote your business behind your back. Try finding someone who offers you their "training services" in order to train yourself or someone within your organization to learn more about what is required online, how much effort it entails, and what pitfalls to avoid.

As a business owner, if you blindly search online and pick a company, you have no idea what you could be getting yourself into. There are no secrets to promoting your business online, only a lot of hard work. That being said, anyone with a computer can easily learn how to get their company high search engine rankings. Search engines don't look to see whether or not you're running a scam. No, they are concentrated on delivering relevant results for your search terms.

Old Fashioned Marketing Tactics:

In the old days (and still practiced today), business owners would devise their own marketing plan through print media, business cards, postcards, flyers, brochures, newspapers, magazines, TV ads, and radio ads. By doing this, the company could track their results by trial and error and really find out what truly works for their industry.

Old fashioned marketing is a simple trial and error process. So is the internet. Unfortunately, all too many business owners don't have a clue how to start their own internet marketing process and they fail to even put their foot in the water. Instead, many business owners simply hire anyone they can find that seems reputable and then turn a blind eye and say; "Here's my budget, you are the professional, you tell me what to do". This is simply preposterous. You've worked so hard to get to where you are now by learning and adapting and as soon as it comes to marketing your business online, you simply shut down.

I hope that this article has awoken some of you. Don't be afraid to dive into the internet's vast realm of marketing potential. So what if you fail the first time around. When we started out, we had no idea what we were doing, 3 years later our website ranks higher than many other internet marketing companies worldwide.

The ULTIMATE secret to internet marketing is simple...

A concept I call "T.I.M.E."

T - Try and try again
I - Internet changes all the time
M - Marketing opportunities are around every corner
E - Eventually you too can succeed

Think of it this way (Illustration only)

Here is a timeline of your internet marketing campaign:

Start date - Research only: June 7th, 2005
Hired a website designer - August 31st, 2005
Website Complete - October 15th, 2005
Website launch - October 20th, 2005

Started an internet marketing campaign - November 1st, 2005
Started a Pay Per Click campaign - November 10th, 2005
Made a sale - November 15th, 2005

Increased our website’s link popularity - January 1st, 2006
The website gets hit by the Google Sandbox Effect - January 20th, 2006
Increased our Pay Per Click campaign - February 5th, 2006

Made some changes to the website - February 21st, 2006
Increase the website’s link popularity - February 28th, 2006
Got listed in the Yahoo directory - March 3rd, 2006

So here you are 10 months out of the gate and your website may still be "locked in the Google sandbox" ( Search for "Google Sandbox" in Google for an explanation). Your link popularity is just starting to grow a little bit. Hopefully, you haven't tried to link to everyone you can find and are actually linking to companies that are directly related to your business. Your PPC campaign is doing good. People are finally starting to come through Yahoo & MSN search results. You can sometimes find your company in the 200th spot within search results in Google and you are now wondering why this is taking so long.

Welcome to the world of marketing your company on the internet!!!

This timeline representation from above is just something to show you how "T.I.M.E." is the key of success on the internet and all we are required to do is keep plugging away and keep learning more every chance we get.

For most people who simply open up their wallets, they would have learned nothing in those 10 months and for everyone else starting an internet marketing campaign, those who didn't simply just open their wallets, their websites are probably 10 times further than yours!

In Conclusion:

Learn more about how to increase your marketing campaign on the internet. If you have to, hire someone in-house who can learn from you and give you updates on everything. If you truly need to hire an SEO company make sure it's for the right reasons like "starting and finishing a marketing campaign with you learning in the process", or "enhancing a campaign that is already in place", or "to revise your website’s conversion rate" or "create an impactful keyword optimization campaign", etc. Take your time and use "T.I.M.E." to increase your business slowly but effectively on the internet.

I hope you've enjoyed this article! 

How To Join Stakerrs Prosperity Club Investment And Get Returns

Stakerrs Prosperity Club was derived from the word *"stakeholders"*. Hence the name *Stakerrs* was formed.

The VISION of Stakerrs Prosperity Club is to bring Amazon to Africa for the first time ever.

Amazon is the largest online store in the world.

Amazon.com, Inc., doing business as Amazon is an American electronic commerce and cloud computing company based in Seattle, Washington

Founded: July 5, 1994; 23 years ago

Headquarters: Seattle, Washington, U.S.

Founder: Jeff Bezos


Operating income: US$4.186 billion (2016)

Amazon is a world-class business organization.

They have Bonds, Stocks, and Investments.

Is Stakerrs.com A Scam? 

*Brief history of this opportunity*

*Stakerrs investment club is powered by MAKEEZ GLOBAL CONCEPT LIMITED a brand marketing company registered with CAC number RC862177 and with head office at OGBA Lagos.*

Makeez Global Concept Limited is the patent company that is in affiliation with Amazon.

Makeez Global Concept Limited has been in the business of Corporate Client Services.

They are Events managers for top class companies over the years.

Makeez Global Concept Limited became an affiliate marketer to Amazon in 2014.

Makeez Global Concept Limited has been investing in Amazon since 2014. As at then, it wasn't open to the general public here in Nigeria.

Haven seen the sustainability and reliability they have experienced with Amazon, Makeez Global Concept Limited founded Stakerrs Prosperity Club around it to enable you and me to have a platform through which we can invest and get returns.

Stakerrs Prosperity Club has been open to the public for investment since May 2017.

We have about 5000 active investors at the moment.

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Finance minister explains timing of Gwarzo’s suspension

The integrity of the nation’s capital market was the major consideration for the timing of the suspension of Director General of the Securities and Exchange Commission (SEC), Mounir Gwarzo.

Gwarzo, who was queried by the Ministry of Finance on November 3, 2017 responded on November 7, 2017, even as his response was unsatisfactory.
There was also evidence that documents were being unlawfully removed from SEC, as well as conclusions from consultations with the Economic and Financial Crimes Commission (EFCC).

Besides, the Minister of Finance, Kemi Adeosun, said it should be placed on record that Gwarzo’s suspension was in line with the Public Service Rules (PSRs) that allow for unfettered investigation of allegations of financial impropriety against him.

The controversy also coincided with the rebounding economy and should be managed in an orderly and transparent manner to retain investors’ confidence.

Reacting to what she described as misleading and mischievous reports, Adeosun noted that some of the allegations with documented evidences against Gwarzo included the awards of contracts to companies linked to him and members of his family.

Adeosun, who admitted that her response would not have been necessary but for Gwarzo’s allegation that his suspension was due to “his refusal to stop the forensic audit of Oando Plc,” said she approved the Constitution and Terms of Reference for the Administrative Panel of Inquiry.

She said it was at a meeting with Gwarzo on November 27, when he was asked to clarify some of his responses to the query, which were not consistent with documentary evidence, that Gwarzo realised the likelihood of his suspension and thereafter prepared the memo that circulated in the media.

She added that Gwarzo personally delivered the memo using SEC staff seconded to her office, in clear breach of normal procedures for mail delivery.

“The copy of the memo in the possession of the minister was delivered with a message that any action against Gwarzo would result in same being leaked to the press.

“It was this threat of blackmail that strengthened the resolve of the minister to suspend Gwarzo and allow the Administrative Panel of Inquiry to proceed with its probe,” she said.

Bringing God Into Your Job, Business and all Your Daily Activities

Whatever you do, work heartily, as for the Lord and not for men, knowing that from the Lord you will receive the inheritance as your reward. You are serving the Lord Christ. -Colossians 3:23-24Father, I come before you thankful that you have made work a part of life and given me the opportunity to glorify you in my work. Thank you that I can work hard and go to bed tired each day. Thank you for the good days and the difficult ones, and for the gifts, you have given me to help this world be a better place through my work.
While I know work is good, I also know our work today isn’t what you intended and is often hard and frustrating. We all know sin’s consequences on work: toilsome labor, injustice, and trials; and also the pain of wanting work but not finding it. May these painful situations drive me to a deeper longing for the return of Christ and consummation of all things — including work.

May the gospel shape my work habits and attitude, helping me to avoid the dual dangers of not working enough (laziness) and working too much (making work an idol). Help me to be a humble, teachable, hardworking, and complaint-free employee, even when doing the mundane tasks I’d rather avoid. May I work in faith and be motivated by a love for you and a love for those whom my work benefits.

Establish the work of my hands by helping me to be productive, patient, focused, and insightful. Keep me from distractions and from technology hindering my work instead of helping it. May your Spirit lead me in my work and help me to be joyful, creative, and worshipful–constantly reminding me of your love and that you’re the reason I have breath in my lungs. Teach me to align my work, family, church life, and rest in a way that would maximize your glory and allow me to bear the most fruit for your kingdom.

Cause my work and attitude to adorn the gospel and shine the light of Christ into this dark and desperate world. Help me bless my workplace by living a salty, gospel-worthy life in front of my watching co-workers, and help me honor my boss as I honor you. Make my heart worship and enjoy you throughout the day, knowing that you are the reason for breath in my lungs and the One I am really serving.

And as I work, fix my eyes on Jesus and His finished work on the cross that gave me treasure I could not earn, rest that I could not otherwise experience, and a living hope that will fuel me to work for the glory of God. Amen.

[written by Kevin Halloran]

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What You Need To Know About TBC/BTC (The Billionaire Coin, Join the billionaires now!!!)

Oh! can you remember 1 BTC price was 1$ on 2009? Which is now $793.

Also,

1 TBC = 0.44244595 BTC

Current TBC Price = 337.15386350 €

If you purchased 100 BTC at 2009 then you could have $60000+ now (25800000 Naira at 430/1$).

Did you miss any opportunity? Just be calm, there is still chance! Just start investing today.


TBC IS NEXT BTC

6 MONTHS COMPLETING

How to create TBC wallet

Launch price was 0.001$ on 21st march, 2016 and $700+ now.

Price will go $1000 by 2017

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PRICE NEVER GOES DOWN

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The Billion Coin

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The community ‘MMM-Nigeria’ donates N5m worth relief materials to Abuja IDPs to mark one year anniversary

The News Agency of Nigeria (NAN) reports that the gesture was part of the community’s humanitarian week tagged ‘MMM cares’ to mark its one year anniversary.

The Gwoza and Bama IDP Camp located in Durumi area and the New Kuchingoro IDP camp were the two beneficiaries of the relief materials.

Bags of rice, beans, gari, as well as cartoons of beverages and noodles, were some of the items
donated by the group. The group also donated clothing, drugs, and educational materials for the pupils among them.
Mr. Seyi Bello, a Guilder in the ‘MMM Community’ said the donation was motivated by the desire of the group to affect the society positively, especially the less-privileged.

“We are marking our first year anniversary and we have decided to come and celebrate it with our brothers, mothers and children in the camp. As a community, we do not only provide help to our members, we also extend that to the larger society as part of our social responsibility.
“In these times of economic challenges, the IDPs are the ones that need help and support more than any other person; that is why we visited them today,” he said.

Bello explained that besides providing help and donations to its members, humanitarian service was a flagship program of the group. He said that the relief items were bought from free-will donations of members in their quest to touch lives positively. He said:

“The N5 million was raised from voluntary donations my members in the FCT. “That is what defines us as a community of people providing financial help to each other on the principle of reciprocity and benevolence.
“In MMM there are no lenders and no debtors. One participant asks for help, another one helps.’’

Bello appealed to individuals, groups and corporate bodies to always remember the IDPs across Nigeria, since government alone would not be able to provide for them adequately.

“They are our brothers and sisters who have left the comfort of their homes and are now struggling for survival here. “No matter how little, let us always extend a hand of help to them to complement what government and other donors are doing, “he urged.

Mr Enoch Yohanna, General Secretary of the IDP camp at New Kuchingoro, who received the items, expressed gratitude for the gesture which he described as `timely.’

“The Christmas season is very close; we thank MMM-Nigeria for bringing these items to us. We hope to share them satisfactorily among us for everybody to be happy and have a happy Christmas celebration, “he said.

NAN reports that the visit to the IDPs camps was preceded by a two-hour environmental sanitation by members of the group on Nyanya/Mararaba route, a suburb of the FCT. Members of the group came out in their numbers to clear garbage from drainages and streets in the area.

Iyanya pictured at MMM anniversary in Port Harcourt

According to the Facebook user, Iyanya was live at the 1 year anniversary celebration of MMM Nigeria.

See Reason Why MMM Nigeria Will Not Crash + Video

 It is impossible for the FG of Nigeria or any other world power for that matter to shot down MMM.
This is for several reasons,

1.MMM servers are the most advanced set of servers in the World... It is accessed by more that 200 million people world wide who visit it At least 2-5 times a day... Yet, the serve is never down.


2. MMM servers are not even hosted in Nigeria, so how can the FG shot it down.

3. MMM has no physical office in Nigeria, so how can the FG shot it down.

4. Participating in MMM isn't illegal and participants are not breaking any law... If donating money to a fellow man is illegal then it means the federal government must be ready to arrest everyone in Nigeria because we all donate money to friends and families but that's obviously impossible.

5. The South African government earlier in the year tried to shot down MMM South Africa on the basis that it is a ponzi scheme but they failed. MMM South Africa participants took the government to court and won the case. The government had to make a withdrawal of some of the negative things they had published about MMM.
                 
Just 2 weeks ago, the president of South Africa came out publicly to advise unemployed youths to embrace MMM.

6. So, in the same way, MMM Nigeria can never be shot down by the FGN. All we need to do is continue our now PH and GH and keep smiling to the bank.
Click http://nigeria-mmm.net/?i=gomezdonald56@yahoo.com To register
MMM pays!
Long Live MMM!

Nigerians commend Army’s decision to buy 50,000 Aba made boots

The Nigerian Army’s purchase of 50,000 pairs of boots from local shoe manufacturers in Aba, Abia State, will strengthen the nation’s economy, a cross section of Nigerians in Awka have said.

Speaking with the News Agency of Nigeria in separate interviews on Monday, the residents urged the manufacturers to maintain the quality of the boots in order to encourage patronage.


An Akwa-based businessman, Afam Okeke, said: “The Nigerian Army has done a good job by patronising made in Nigeria goods of this quantity.

“When other establishments of government do the same, the amount of money that will be in circulation will be much and will help ease us out of the current recession.
“What the Army has done – ordering 50,000 boots from a local manufacturer – is leading by example, which others should emulate,” Mr. Okeke said.

Stanley Ogba, a student, called on local manufacturers to maintain the standard they have set for their products.
“It will be hard for Nigerian Manufacturers to maintain the standard they used for their first products when there is more demand from the populists.

“The morale of our officers will be boosted if they wear boots that can withstand the vagaries of the thick forest, desert, and quagmire they have to go through for them to fight our enemies and protect our interests,” he added.

Anayo Ileka, a financial analyst, urged manufacturers in the country to apply global best practice in the production of their goods.
“In as much as the move will generate jobs for the teeming youths, buying made in Nigeria goods will also conserve foreign exchange.

“Even if their gain in the transaction is not much, local manufacturers should maintain the standard they have started with for it pays in the long run than lowering the quality of their products later on in an attempt to maximise profit,” he stated.


- NAN

How do I cancel my mortgage insurance loan (PMI/MIP)?

Mortgage insurance loan allows some people loan to purchase or refinance a home with less than 20% down payment or equity.
While it provides a service and helps more loan homeowners into homes, mortgage insurance is an added cost that should be canceled as soon as possible. First I'll discuss the two main categories of mortgage insurance and then how to cancel each.

Tips for Buying Car Insurance Online

It seems like every time you turn on the television, you encounter a commercial that asks whether you're paying too much for your car insurance. Chances are your insurer won't be champing at the bit to tell you the answer, so the burden is on you to find out. But with an Internet connection and a little planning, you can do it on your lunch hour.
Whether you're shopping for your first policy or looking for a better rate, going online is a gateway to a world of auto insurance quotes and information about the companies that issue them. As you'll see, low cost is just one factor to consider. Let's take a look at five tips to keep in mind when you go online to buy car insurance.

How To Buy Car Insurance

Car insurance is one of the necessary evils of modern life. You pay a substantial amount of money each month to the insurance company, and if you are like most people, you have not had an accident or made a claim in years. Yet when you do suddenly find yourself involved in a collision, the insurance premiums you've been forking over all these years will finally pay off.
The advent of the Internet has raised the level of competition between insurance companies. Because you can now sit at home in your bathrobe and compare rates and coverage between companies, they are under more pressure to offer competitive deals. So why not leverage the Internet's potential to help you save time, save money, and find the best auto insurance coverage?

First, let's be clear about the fact that auto insurance is required by law in most states―it's not optional. If you drive a car, you must have auto insurance. So you need to find out what the law requires in your jurisdiction when it comes to how much auto insurance coverage you need to maintain. Print out your state's requirements, and save that information for the next step in the process.

How to buy home insurance and loan

Every year loan when your home insurance renewal arrives it's tempting to do nothing and let it renew automatically. But don't. loan By spending a few minutes online or on the phone you could easily save yourself enough to pay for a decent holiday. loan
If you unthinkingly renew your home insurance each year over a decade, loan you could easily end up paying more than £1,000 a year for a policy that you could buy for about £250 with exactly the same if not better cover. loan



It's almost unheard of for claims-free people loan switching insurer not to save money, and the longer it is since you last switched, the more you will save. loan

Even if you have made a recent claim, you don't have loan to accept the new higher premium. Other insurers will often take your business at a lower rate. Just explain what happened and how much it cost to put right.

How much does travel insurance cost? and loan

Answer: Travel insurance vacation plans cost between 4-8% of the total trip cost. loan

Here’s an example: oan If your cruise costs $4,000, a travel insurance plan would cost between $160-$320.

Remember, loan this is the general range but keep in mind that basic ‘budget’ plans can be less than 4%, and premium plans can be loan over 12% of the trip cost (any expenses that are pre-paid and non-refundable)

The cost of travel insurance is based on factors. loan

Reasons Single People May Need Life Insurance

Many people make the assumption that life insurance is for married couples and those with kids. While it is true that not all single people need life insurance, there are a number of reasons when it can make (really) good sense.
You have student loan debt. Many people assume that your debt dies with you, but that’s not always the case. While the loans through the federal government are discharged (aka forgiven) if you were to die, personal loans that have a cosigner are generally not.

That means if your parents, for example, co-signed your student loan through a bank, they would be responsible for paying the rest of the loan if something happened to you. There are instances when the bank has called for the loan to be paid in full immediately following a death. You don’t want to leave your parents dealing with grief and loan payments.

Commercial Auto Insurance Remains a Loser on the Whole: Fitch

Home / Unlabelled / Commercial Auto Insurance Remains a Loser on the Whole: Fitch
Commercial Auto Insurance Remains a Loser on the Whole: Fitch

While the property/casualty industry has reported three consecutive years of significant underwriting profits, the commercial auto market as a whole reported an underwriting loss for the fifth consecutive year in 2015.
In short, U.S. commercial auto insurance has evolved into a “chronically underperforming product segment” for U.S. property/casualty insurers, according to Fitch Ratings.

At the same time, Fitch notes, a number of carriers underwriting the line continue to do well.

Underwriting losses have accelerated with the segment statutory combined ratio rising to approximately 109 for the latest year. The commercial auto combined ratio averaged 106 from 2011-2015, according to analysts at Fitch.

Mortgage Insurance Company Marketing Strategies: Local, State or National Loan

There are three loan ways to implement this kind of mortgage company marketing strategy, depending on what type of company you have. Here’s how local, regional, and national companies can approach it:
Local mortgage companies can double or triple loan their website traffic by publishing local housing and mortgage information. That’s a conservative statement. We’ve actually witnessed a tenfold increase in web traffic (e.g., 20 visitors per day becomes 200 visitors), especially with companies that didn’t have much of an internet “footprint” before launching a loan publishing program.

Example: a company that does business in Austin, Texas would be wise to publish loan internet articles about “Austin mortgage rate trends.” There’s less search-engine competition at the local (city / metro) level. So it’s easier to rank well for these phrases in Google, Yahoo and Bing.

So, what else do you write about? What kind of loan website content works best for generating traffic and leads? Here are some of the most popular local topics among mortgage shoppers: