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Actual for You - How To Make More Money
Mortgage Brokers and Loan Officers
Are you looking for a new career? You may want to think about becoming a mortgage broker or loan officer, or sell useful training material for brokers and loan officers.If you type Mortgage Broker or Loan Officer in your search engine, you will find links to thousands and thousands of websites. This is because Mortgage Brokers and Loan Officers provide a much needed service to the public. They take applications for mortgage loans from potential homebuyers, and help the buyers find the right loan. If you ever applied for a mortgage loan for the purchase of a home, you worked with a broker or loan officer.A mortgage broker works on his/her own bringing a borrower and lender together for the purpose of a mortgage loan. Brokers are quite often real estate agents in addition to working as a mortgage broker. According to the Mortgage Bankers Association of America, there are approximately 40,000 mortgage brokers in the U.S.The mortgage loan officer is an employee of a mortgage company, bank, or other mortgage lending institution. The U.S. Department of Labor reports that mortgage loan officers earned between $30,000 and $100,000 in 2005. However, highly motivated loan officers earn much more.There should be no shortage of business for mortgage brokers and loan officers as
tten it is on the fast track to failure. There are opportunities every day for your business to be forgotten by existing clients, potential clients, your best employees, surrounding businesses, your neighborhood, venAre you looking for a new career? You may want to think about becoming a mortgage broker or loan officer, or sell useful training material for brokers and loan officers.If you type Mortgage Broker or Loan Officer in your search engine, you will find links to thousands and thousands of websites. This is because Mortgage Brokers and Loan Officers provide a much needed service to the public. They take applications for mortgage loans from potential homebuyers, and help the buyers find the right loan. If you ever applied for a mortgage loan for the purchase of a home, you worked with a broker or loan officer.A mortgage broker works on his/her own bringing a borrower and lender together for the purpose of a mortgage loan. Brokers are quite often real estate agents in addition to working as a mortgage broker. According to the Mortgage Bankers Association of America, there are approximately 40,000 mortgage brokers in the U.S.The mortgage loan officer is an employee of a mortgage company, bank, or other mortgage lending institution. The U.S. Department of Labor reports that mortgage loan officers earned between $30,000 and $100,000 in 2005. However, highly motivated loan officers earn much more.There should be no shortage of business for mortgage brokers and loan officers as
Successful Self Employment on a Budget for Artists and Other Freelancers
Being a business takes a lot of hard work, to put it mildly. Artists generally have experience in creating beauty, but are usually less than knowledgeable about the world of business and self-employment. It pays to work hard, to avoid that horrible starving artist cliche. Who needs to starve? By spending a lot of time building a reputation and trust in clients, the business will grow all by itself. The trick is to think like a savvy businessperson, not a fine artist.First of all, advertising is very important. Without it, nobody knows who you are and what you have to sell. Learn how to sell, read, and absorb as much marketing knowledge as possible. The internet is a wealth of information. Focus your study on basic business building and marketing concepts, and then grow that knowledge by adding more study on it, later.Join many clubs and organizations. Think like a business not a hobby. Don't go crazy with fees and big titles. Just get your name out there, and do it as cheaply as possible. Word travels fast if you're good and have products that people like.Be realistic. Don't expect to take over the marketing world overnight. Build on your knowledge. It may take years but that's ok, it's to be expected unless you have an unlimited marketing budget or an MBA to move ahead quicke
The biggest crime in small businesses today goes unnoticed by most outsiders. It is not reported in the media. There are no police reports filed and companies do not even mention it on their websites. People don't talk about it on the street and employees often overlook it. Even though this crime is rampant among small businesses, it's presence is so subtle that many business owners fail to recognize when it is happening! Unfortunately, this crime is the same one that is most likely to kill a small business. It is not stealing by employees, burglaries, trivial lawsuits, or industrial espionage.Being a business takes a lot of hard work, to put it mildly. Artists generally have experience in creating beauty, but are usually less than knowledgeable about the world of business and self-employment. It pays to work hard, to avoid that horrible starving artist cliche. Who needs to starve? By spending a lot of time building a reputation and trust in clients, the business will grow all by itself. The trick is to think like a savvy businessperson, not a fine artist.First of all, advertising is very important. Without it, nobody knows who you are and what you have to sell. Learn how to sell, read, and absorb as much marketing knowledge as possible. The internet is a wealth of information. Focus your study on basic business building and marketing concepts, and then grow that knowledge by adding more study on it, later.Join many clubs and organizations. Think like a business not a hobby. Don't go crazy with fees and big titles. Just get your name out there, and do it as cheaply as possible. Word travels fast if you're good and have products that people like.Be realistic. Don't expect to take over the marketing world overnight. Build on your knowledge. It may take years but that's ok, it's to be expected unless you have an unlimited marketing budget or an MBA to move ahead quicke
The biggest crime in small business today is the crime of being forgotten. Think about it-you can recover from most other crimes by installing an alarm system, filing patents, or buying insurance, but if your business falls victim to the crime of being forgotten it is on the fast track to failure. There are opportunities every day for your business to be forgotten by existing clients, potential clients, your best employees, surrounding businesses, your neighborhood, vend
How to Start a Home Decor Business
The home decorating industry in America generates a solid $270 billion dollar market annually. People are choosing to spend more time at home, and more money on making that home what they want it to be. Home d?cor items are also becoming increasingly popular as gift items for family, friends, and office exchanges. If you look around you'll see a multitude of products to enhance and embellish the home; from small trinkets to large d?cor items, there's always something for everyone.Knowing there is a market for these types of products is only the beginning of your decision to start a home d?cor business of your own.You'll need to decide exactly what facet of the business attracts you most; what do you like, what can you see yourself doing for many years. If you have training in design and decorating, you may be able to develop your own consulting firm, partnering with local businesses who will give you price reductions for the guaranteed orders you bring in. This is a type of career that takes dedication, and commitment to customer satisfaction. You will need to research the market for such services in your area, and decide whether the fees you can charge, will adequately compensate for the investment of your time and energy.Alternately, you may choose to go strictly into a
lk about it on the street and employees often overlook it. Even though this crime is rampant among small businesses, it's presence is so subtle that many business owners fail to recognize when it is happening! Unfortunately, this crime is the same one that is most likely to kill a small business. It is not stealing by employees, burglaries, trivial lawsuits, or industrial espionage.The home decorating industry in America generates a solid $270 billion dollar market annually. People are choosing to spend more time at home, and more money on making that home what they want it to be. Home d?cor items are also becoming increasingly popular as gift items for family, friends, and office exchanges. If you look around you'll see a multitude of products to enhance and embellish the home; from small trinkets to large d?cor items, there's always something for everyone.Knowing there is a market for these types of products is only the beginning of your decision to start a home d?cor business of your own.You'll need to decide exactly what facet of the business attracts you most; what do you like, what can you see yourself doing for many years. If you have training in design and decorating, you may be able to develop your own consulting firm, partnering with local businesses who will give you price reductions for the guaranteed orders you bring in. This is a type of career that takes dedication, and commitment to customer satisfaction. You will need to research the market for such services in your area, and decide whether the fees you can charge, will adequately compensate for the investment of your time and energy.Alternately, you may choose to go strictly into a
The biggest crime in small business today is the crime of being forgotten. Think about it-you can recover from most other crimes by installing an alarm system, filing patents, or buying insurance, but if your business falls victim to the crime of being forgotten it is on the fast track to failure. There are opportunities every day for your business to be forgotten by existing clients, potential clients, your best employees, surrounding businesses, your neighborhood, ven
Opening A Dollar Store - Focus on Payroll Cost Reduction
For the entrepreneur who is opening a dollar store cost reduction is an ongoing challenge. It is a challenge that needs to be addressed in every aspect of the business. One of the most important areas of focus is payroll.Payroll cost reduction can be extremely difficult to achieve without an ongoing plan. If you are opening a dollar store that plan needs to focus on anticipated sales, with total payroll being a percentage of the projected sales. A monthly payroll target can be established against anticipated sales for the upcoming month. As weekly sales goals are achieved, small adjustments can be made to the next week’s payroll target.Two words of caution are warranted however. Don’t allow an extreme change in sales either up or down to drive radical changes to payroll your current staffing plans. Maintain control and make sure the change is long lasting and not just a one time occurrence. Next be sure that you are not creating too much uncertainty for your employees. If their scheduled hours are allowed to be jerked around significantly from week to week it is likely you will see higher than expected employee turnover. Unfortunately those who are able to leave first will generally be those who you can least afford to see leave.Many dollar stores find that sales during the Th
nately, this crime is the same one that is most likely to kill a small business. It is not stealing by employees, burglaries, trivial lawsuits, or industrial espionage.For the entrepreneur who is opening a dollar store cost reduction is an ongoing challenge. It is a challenge that needs to be addressed in every aspect of the business. One of the most important areas of focus is payroll.Payroll cost reduction can be extremely difficult to achieve without an ongoing plan. If you are opening a dollar store that plan needs to focus on anticipated sales, with total payroll being a percentage of the projected sales. A monthly payroll target can be established against anticipated sales for the upcoming month. As weekly sales goals are achieved, small adjustments can be made to the next week’s payroll target.Two words of caution are warranted however. Don’t allow an extreme change in sales either up or down to drive radical changes to payroll your current staffing plans. Maintain control and make sure the change is long lasting and not just a one time occurrence. Next be sure that you are not creating too much uncertainty for your employees. If their scheduled hours are allowed to be jerked around significantly from week to week it is likely you will see higher than expected employee turnover. Unfortunately those who are able to leave first will generally be those who you can least afford to see leave.Many dollar stores find that sales during the Th
The biggest crime in small business today is the crime of being forgotten. Think about it-you can recover from most other crimes by installing an alarm system, filing patents, or buying insurance, but if your business falls victim to the crime of being forgotten it is on the fast track to failure. There are opportunities every day for your business to be forgotten by existing clients, potential clients, your best employees, surrounding businesses, your neighborhood, ven
5 Great Ways to Find Referrals
While referrals are one of the most important sources of new clients for therapists and coaches, how to get them seems to be something of a mystery. Below is a five-step referral strategy that can switch on your referral faucet, or turn a trickle into a steady flow.#1-Focus on Your Ideal Clients Do you want to work with men in career transition? People dealing with health issues? Families in crisis? Females with eating disorders? Newly retired individuals? You may serve a narrow niche of clientele, or a broad swath. For example, your market may be "stay-at-home mothers in their 30s who used to be corporate executives with six-figure incomes," or you may help your clients deal with an assortment of issues, such as: depression, addictions, marital issues, stress and sexual trauma. It doesn't matter for these purposes. What does matter is getting clear: Whom do you serve?#2-Discover Where They Gather Where do the people who could benefit from your services gather? If you're a therapist specializing in grief, for example, think about mortuaries and churches. People dealing with addiction issues might be found at AA or other 12-step meetings, including Al-Anon. If you work with couples in crisis, consider coffee shops, beauty salons, the offices of family lawyers and mom gro
is the crime of being forgotten. Think about it-you can recover from most other crimes by installing an alarm system, filing patents, or buying insurance, but if your business falls victim to the crime of being forgotten it is on the fast track to failure. There are opportunities every day for your business to be forgotten by existing clients, potential clients, your best employees, surrounding businesses, your neighborhood, venWhile referrals are one of the most important sources of new clients for therapists and coaches, how to get them seems to be something of a mystery. Below is a five-step referral strategy that can switch on your referral faucet, or turn a trickle into a steady flow.#1-Focus on Your Ideal Clients Do you want to work with men in career transition? People dealing with health issues? Families in crisis? Females with eating disorders? Newly retired individuals? You may serve a narrow niche of clientele, or a broad swath. For example, your market may be "stay-at-home mothers in their 30s who used to be corporate executives with six-figure incomes," or you may help your clients deal with an assortment of issues, such as: depression, addictions, marital issues, stress and sexual trauma. It doesn't matter for these purposes. What does matter is getting clear: Whom do you serve?#2-Discover Where They Gather Where do the people who could benefit from your services gather? If you're a therapist specializing in grief, for example, think about mortuaries and churches. People dealing with addiction issues might be found at AA or other 12-step meetings, including Al-Anon. If you work with couples in crisis, consider coffee shops, beauty salons, the offices of family lawyers and mom gro
Repeat Customers: Six Ways to Get and Keep Customers
Getting CustomersFirst, three great ways to get customers to come to you:1. Get Visible Join a Local Business AssociationMany communities and/or neighborhoods have business associations. Investigate to see if your area has one and if it does, join it. Get your face and your small business known in the community and become one of those people and businesses everyone knows—remember people prefer to do business with those they know and trust. Volunteer at and/or Sponsor Community Based EventsAnother way to get your face and small business' name out there is by volunteering and/or sponsoring community based events. Something as small as donating products or services to a local PTA event gets your business in front of hundreds of parents...parents who will know that you support their kids and the community. All communities have opportunities for your small business to give back, and since you reap what you sow, get busy sowing! Donate Your Products or ServicesGet involved with groups where you can donate your products and or services to help others. Whether it be a group of entrepreneurs just starting out, or as a resource for those in the community that are in need. Not only is p
tten it is on the fast track to failure. There are opportunities every day for your business to be forgotten by existing clients, potential clients, your best employees, surrounding businesses, your neighborhood, vendors, the media, and your potential investors.Getting CustomersFirst, three great ways to get customers to come to you:1. Get Visible Join a Local Business AssociationMany communities and/or neighborhoods have business associations. Investigate to see if your area has one and if it does, join it. Get your face and your small business known in the community and become one of those people and businesses everyone knows—remember people prefer to do business with those they know and trust. Volunteer at and/or Sponsor Community Based EventsAnother way to get your face and small business' name out there is by volunteering and/or sponsoring community based events. Something as small as donating products or services to a local PTA event gets your business in front of hundreds of parents...parents who will know that you support their kids and the community. All communities have opportunities for your small business to give back, and since you reap what you sow, get busy sowing! Donate Your Products or ServicesGet involved with groups where you can donate your products and or services to help others. Whether it be a group of entrepreneurs just starting out, or as a resource for those in the community that are in need. Not only is p
SIGNS OF THE CRIME
Have you fallen victim to the crime of being forgotten? Here are some of the signs of being forgotten:
• Lowered top line sales
• Few people visiting your website
• Less customer inquiries
• Losing large accounts
• Losing long-time accounts
• High employee turnover
• Inability to attract top candidates to help run your business
• No "new" news
• Fewer repeat buyers
• Less revenue
STEPS TO SOLVE THE CRIME
There are many things you can do as a small business owner to help people remember you. I am not of the opinion that hiring a big PR company is the only solution. Here are some things you can implement today:
1. Focus on the question that every customer and client wants to know: What's in it for me?
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