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Many businesses lose money yearly because they don t think creatively about the future. They run their businesses doing what they think they should: dealing with customers, dealing with problems, ordering for their business, and paying their expenses. They act like their business is a job. They are surviving and that s it. They are not looking at the big picture. They need to use their business as a stepping stone to success. Picturing themselves as a successful business person, and setting up a plan to succeed.

Many of the businesses today are started by people who have been downsized or laid off. They are used to showing up for a job and getting paid, and this is how they are operating their business.

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The first thing you must do is to find out what you are really good at. Many people want to know, How can I make more money? Unfortunately too many business people never ask themselves, What am I good at? They need to do so, and then ask it again every time they want to do something new. This is one of the biggest reasons businesses fail. The owners did not focus on what they were good at and did best. This does not mean you can t try something different. What it does mean that it is best to go with the skills and experience you already have.

The second thing you need to do is take an objective look at yourself. Take a piece of paper and write down what you can and can t do. Picture yourself hiring you. Would you hire yourself? Would you be impressed? What do you know best? What are your hobbies? Can you turn that hobby into a business? Remember you work best at something you enjoy.

I was an exceptional secretary, so I started a word processing business. I loved typing and taking dictation by telephone, writing up letters, proposals and setting up identity packages. However, I hated having to drive around town to pick up and deliver projects, and cold calling for business. So after losing money, I shut down the business. A couple of years later I started another business where I was the assistant to businesses, but worked from my home. I got to do all the secretarial aspects, but out of a home office. All I had to do was send flyers and mailers to independent contractors. I also worked with answering services for referrals and gave them business, plus a cut of my fee.

What this means is you need to discover what your likes and dislikes are. People like to work at things they do well. They enjoy themselves more. A test for you is to think back over the last couple of days. Then make a list of the things you enjoyed doing. Think about when you were the happiest and what you were doing.

The third thing you need to think about and be able to recognize is: What your competitive edge is. After you do the above test and find out what your strengths are, you will find that some of these strengths give you an advantage over your competition. Do your particular strengths and abilities help you provide exceptional customer service? Can you do something or produce something that others can t?

If you already have an edge over others, put it to use. Make your customers aware of your unique qualities. The way to accomplish this is to be sure any advertising or promotional campaign you employ highlights your unique selling points.

The fourth thing you need to do is to plan ahead. While your business concept or product might be unique now, as we know people love to copy what is successful. So you need to plan for the long run. You need to be aware of what your competition is doing and keep your customers coming back.

The fifth thing is that just because there are things you don t like about your business, doesn t mean you give up. Yes, there are going to be certain things you like better than others. Every business person feels this way. However, if you don t like anything about what you are doing, then you might want to start a new business. Be sure before you do so, you give yourself the above test.

The sixth thing is sometimes you just need to make some changes in your business. See if there are certain things you can cut out of your business, a product or service, which you might not enjoy and it is not a profit center for you. Then drop it, and concentrate on those things that are generating a profit.

Maybe you need to make changes to make your job easier, such as buying new software, or a new computer system. Maybe hiring someone on a part time basis could take some of the workload off your shoulders, and allow you to concentrate on other business matters.

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And last but not least is to be sure you take what you ve learned about yourself, and set up a plan for your business for the future. Don t forget to write down what you re good at and ways that you can apply your skills to making money. You can take this information about your skills and put it in your promotional materials. Be sure you always have a notebook (or a voice recorder) with you to joint down notes to yourself, new business ideas to try. You want to be sure when you do write these things down that you also put a date next to them to implement that idea or strategy. This will give you goals to work for. Be sure to put these goals in a prominent place in your office. I put my goals on index cards and then put the index cards on my desk, on my calendar, and on my bulletin board. By having your goals visible to you, it will help you to stay on track. And, that is what it is all about keeping your business growing and prospering.

Copyright 2003 DeFiore Enterprises

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About the Author

Chuck and Sue have been helping folks start successful home based businesses for over 17 years, and we can help you too! To see how, visit http://www.homebusinesssolutions.com for the latest FREE tips and tricks, educational products and coaching in creative real estate investing and home based businesses.

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appreciated - send to: magicbullets@alaska.com

Real Estate: Financial Considerations $$$

Raw land as opposed to improved property is much more difficult
to finance through traditional lenders. The main reasons are that
it generates very little income, development costs can be
expensive, there are no buildings or improvements that can be
used as collateral, and it is often considered speculative.

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For those reasons mentioned we find that sellers are often our
first choice regarding financing. It is typical for a seller of
raw land to accept 10 percent down and the rest to be paid over time at
a specified (below market) interest rate. This would be an
example of an installment land contract. Other forms are contract
for deed, mortgage and note and purchase money mortgages. In
these cases, a real estate attorney usually drafts these
contracts and a bank will act as an escrow agent to facilitate
verifiable records of payments received. The seller often retains
the deed until the property is paid for in full.

If you want to investigate bank financing, then you may start out
by offering 30 percent down with a seven-year mortgage, with the bank
getting an extra percentage point over and above the current
interest rates for standard loans. This may not be accepted, but
it does give you a starting point to see just what they may be
willing to do.

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If you plan on building on your land, then having a development
plan with an appraised set of blue prints for the project will
help the lender in justifying your loan. If you can use equity
from other property, then paying substantial down payments may
also be an option.

Final words of caution here are to know values and don t
overpay. Always offer less when possible and research recent
sales of comparable properties. The larger a parcel is, the
cheaper it tends to get per acre. Ask an agent what an acre of
land tends to go for in the area that you are considering; try to
buy more than one acre.

When buying residential lots, builders try to keep raw land costs
down to 10 percent of the overall value of the project. If streets and
utilities are already in place, then they will use 25 percent as their
guideline. If you can combine or assemble parcels or achieve
zoning changes with property, you have a good chance of
immediately increasing its value.

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Always physically inspect the property and do your research before
obligating yourself to buy it. And try using contracts with contingencies
put in to protect yourself. In essence, these are really options that
let you control the deal while you investigate and research the land s
potential to satisfy your objectives. Happy Hunting and buy the
high grounds!

About the Author

By Dan Auito, magicbullets@alaska.com , http://www.magicbullets.com/home.php
Dan has been a real estate investor for the past fifteen
years & has bought, sold, and rented seventeen properties to date,
totaling more than $1.3 million - all on a blue-collar salary
before the age of forty.

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I have seen home buyers and sellers less than satisfied with REALTORS who were not providing them the level of service they felt they deserved. If you take the time to find a good match, you may find your search for a home to be a rewarding experience. Here are some tips on evaluating a REALTOR.

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1. If you are a seller, select a REALTOR who will advertise your property individually and distinctly.
2. A REALTOR must have a hot, up-to-date web site that changes to reflect the market.
3. Take into account the busy lifestyle of today s professionals. Consider that most people use the internet to search for homes. Understand a REALTOR S presence on the internet is crucial to their effectiveness.
4. If paying commission is a huge point with you, find a REALTOR who will be flexible.
5. Use a REALTOR with a national presence in the real estate market. Analyze the REALTOR S web site as an indicator of this.
6. Choose a REALTOR with experience. If they are newly licensed, ask if the REALTOR is in a mentor program.
7. Check the REALTOR S license by visiting your state s department of occupational professionals web site. You can determine if the license is in good standing, read about any complaints or investigations, and see how long the REALTOR has been licensed.
8. Find a REALTOR who will research and obtain information from the source. This includes visiting a tax office or courthouse to research things like zoning or mapping topography of a home site.
9. Ask your REALTOR if they have access to more than one Multiple Listing Service (MLS) if this is applicable in your area. Access to more MLS means increased opportunities to sell you property to qualified buyers or find the home that meets your criteria.
10. Open houses are not the way to sell homes, so do not be dazzled by a REALTOR who hosts them frequently. Often open houses attract neighbors and people not yet ready to buy.

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If you take the time to find out more about the REALTOR you expect to use, you could land yourself a dream home, or a nice net gain on the home you are going to sell.

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About the Author

Elaine VonCannon is a REALTOR with RE/Max Capital in Williamsburg, Virginia, and she manages investment property as part of her business. Elaine is also an Accredited Buyer’s Representative as well as a Senior Real Estate Specialist. She has helped numerous clients invest in and make money on property in Southeastern Virginia.

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