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by: The Amish Brain
Here’s an article that makes no sense….
The article was talking about banks around the world that are agreeing to voluntary compliance with the Irs. But, even if talking about all the banks in the world, 77,000 seems like a lot.
The amish opinion…the entire story and the timing and other details are all BS. FUD squared. (fear, uncertainty and doubt)
Judging the google search results, a lot of other people had the same question… How many banks in the US…?
As it will be clear to see the market share of banking is controlled by less than 50 banks. Which banks in the list below do business in the US?
77,000???? Really? Not 69,792? Where did this number come from? Never believe round numbers! How many different banks can there be world wide? According to the graph below, USA has 6,891. The G-8, strike that… G-7 since Russia parted ways. The G-7 represent the largest nations on the planet, which would most likely have the most banks of all of the nations.
Let’s do the math… A cursory review of the link below demonstrates that most countries on average have less than 20 large banks. Regional banks and small banks would never do business in the US or outside of their jurisdiction for most transactions, so why would they sign up?
Americans that park there funds in a bank on the other side of the planet have nothing to fear if they are not a match for the requirements below. A person from the USA does not magically become a US taxpayer by default or association.
Starting in March 2015, these financial institutions have agreed to supply the IRS with names, account numbers and balances for accounts controlled by U.S. taxpayers.
What law? When will the foreign banks be doing business in the US? How does never sound?
Under the law, foreign banks that don’t agree to share information with the IRS face steep penalties when doing business in the U.S.
Word on the street…..Dragons and BB own the media and don’t believe the hype! If a man or woman is private and are outside the Fed Jury Box, then the article don’t apply.
ORLANDO, Fla. -
Darrin La Vine was months away from losing his home to foreclosure when a relative told him about a plan that could erase his mortgage and give him the house free and clear. That was 2010.
Today La Vine, a former commercial roofing contractor is helping central Florida homeowners do what he did .
“We’re winning-, trust me, we’re winning!”
La Vine’s “Free and Clear” mantra is on the back of his company business card: Titans Reserve Group , PMA.
It’s a private “members only” association with headquarters in Longwood.
La Vine doesn’t market the company; no billboards, no websites, just word of mouth.
The company ‘s reputation has built a membership La Vine estimates to be at “upwards of 800 members.”
With a packet of documents ready to be sent by registered mail to everyone from the State Attorney General to the Office of Thrift Supervision the founder guides members on how and when to file court action that he says will ultimately eliminate the mortgage.
La Vine says they simply ask ”to whom do we owe and how much?” If the banks don’t respond, it’s game on.
The questions are filed and issued to the lenders three times over a three-month period.
If the financial lender doesn’t reply, that opens the door to a quiet title action.
Pat and Sandy Barrett of Apopka took on Bank of America, asking the lender to produce the note for their mortgage debt. The documents were filed in January 2013.
Two months later, Pat and Sandy Barrett were issued a quiet title In Orange County Circuit Court that reads in part: “Settling quiet title to plaintiff’s property in plaintiff’s favor now and for all time.”
But while many members are enjoying the quiet title results, others are still nervously waiting.
Sandra and Robert Dane called Local 6 when they received a letter a few weeks ago from Wells Fargo Bank.
The Danes first started their quest for no mortgage debt in 2011. Next month they are supposed to lose their home.
The Danes stopped paying their mortgage they say, because the company “said we could.”
La Vine says that’s what he did but each case is different.
“It could take six months, nine months a year, I can’t control the court system.”
La Vine says as long as you keep paying your mortgage while the process is underway your credit remains solid.
Once you have quiet title you can sell the house at any time. There are no restrictions
But Sherri Dewitt a mortgage foreclosure defense attorney says she’s skeptical.
“I’m not gonna say its not going to happen ever, but the odds are astronomically small.”
La Vine says he stands by his results.
The Theory of Contrast is a negotiating technique that can literally transform your sales overnight. The principle is simple: when selling, ask for more than you expect to get.
Investment agents will use the Theory of Contrast to get people to invest more than they normally would by asking prospects if they would one day be willing to invest $50,000 if a great opportunity presented itself.
This not only weeds out prospects without serious intentions of investing, but it also raises their psychological standard of how much they should invest.
Use this same technique to put a bigger picture in your prospect’s minds, and close higher sales as a result.
Create a Win-Win Environment
The Theory of Contrast should be applied so that the other person feels good about their purchase. It allows you to create a win-win environment where both parties are satisfied.
If you have the authority to lower prices in order to get more business, start with the original price. You can use the sale price as in incentive for a larger order.
Don’t Win A Sale And Lose A Customer
One thing you should not do is push a large order if it’s not in the best interest of the buyer. You may get the sale, but you won’t gain a customer.
You want your customer to see the value in what they are purchasing. Allow them to consider their available options but end up with the purchase that is right for them.
Don’t Limit Yourself
Additionally, don’t be hindered by self-made limits. Just because you would never buy the deluxe edition does not mean it isn’t the best choice for your customer. Don’t be afraid to suggest a larger purchase. If the opportunity is right, go for it.
Ask for more than you expect to get. A small mindset will get you small sales. Think big, ask big, and you will see exponential results.
Highly confident people believe in their ability to achieve. If you don’t believe in yourself, why should anyone else put their faith in you? To walk with swagger and improve your self-confidence, watch out for these fifteen things highly confident people don’t do.
Highly confident people take ownership of their thoughts and actions. They don’t blame the traffic for being tardy at work; they were late. They don’t excuse their short-comings with excuses like “I don’t have the time” or “I’m just not good enough”; they make the time and they keep on improving until they are good enough.
Highly confident people don’t let fear dominate their lives. They know that the things they are afraid of doing are often the very same things that they need to do in order to evolve into the person they are meant to be.
Highly confident people avoid the comfort zone, because they know this is a place where dreams die. They actively pursue a feeling of discomfort, because they know stretching themselves is mandatory for their success.
Highly confident people know that a good plan executed today is better than a great plan executed someday. They don’t wait for the “right time” or the “right circumstances”, because they know these reactions are based on a fear of change. They take action here, now, today – because that’s where progress happens.
Highly confident people don’t get caught up in negative feedback. While they do care about the well-being of others and aim to make a positive impact in the world, they don’t get caught up in negative opinions that they can’t do anything about. They know that their true friends will accept them as they are, and they don’t concern themselves with the rest.
Highly confident people have no tolerance for unnecessary, self-inflicted drama. They don’t feel the need to insult friends behind their backs, participate in gossip about fellow co-workers or lash out at folks with different opinions. They are so comfortable in who they are that they feel no need to look down on other people.
Highly confident people can make use of whatever resources they have, no matter how big or small. They know that all things are possible with creativity and a refusal to quit. They don’t agonize over setbacks, but rather focus on finding a solution.
Highly confident people know that they are not competing with any other person. They compete with no other individual except the person they were yesterday. They know that every person is living a story so unique that drawing comparisons would be an absurd and simplistic exercise in futility.
Highly confident people have no interest in pleasing every person they meet. They are aware that not all people get along, and that’s just how life works. They focus on the quality of their relationships, instead of the quantity of them.
Highly confident people aren’t in need of hand-holding. They know that life isn’t fair and things won’t always go their way. While they can’t control every event in their life, they focus on their power to react in a positive way that moves them forward.
Highly confident people confront life’s issues at the root before the disease can spread any farther. They know that problems left unaddressed have a way of multiplying as the days, weeks and months go by. They would rather have an uncomfortable conversation with their partner today than sweep an inconvenient truth under the rug, putting trust at risk.
Highly confident people get back up every time they fall down. They know that failure is an unavoidable part of the growth process. They are like a detective, searching for clues that reveal why this approach didn’t work. After modifying their plan, they try again (but better this time).
Highly confident people take action without hesitation. Every day, they remind themselves, “If not me, who?”
Highly confident people don’t limit themselves to Plan A. They make use of any and all weapons that are at their disposal, relentlessly testing the effectiveness of every approach, until they identify the strategies that offer the most results for the least cost in time and effort.
Highly confident people don’t accept articles on the Internet as truth just because some author “said so”. They look at every how-to article from the lens of their unique perspective. They maintain a healthy skepticism, making use of any material that is relevant to their lives, and forgetting about the rest. While articles like this are a fun and interesting thought-exercise, highly confident people know that they are the only person with the power to decide what “confidence” means.
First impressions are everything, and over the phone you have 10 seconds or less to get it right. Your opening statement is the most important part of your call. Hit a home run here and everything else is just a walk in the park.
Regardless of the type of call you are on, your opening statement must pique the listener’s curiosity and put them in a positive frame of mind to engage with you. Here are some rules to follow to ensure a compelling opener:
Write It Out: Scripts are terrible if they make you sound like you are reading from a script. Your opening statement, however, needs to be prepared ahead of time to make sure you get it right. Write out exactly what you want to say, but at all costs do not sound like you are reading from a script.
Make It Exciting: If you were the person hearing your opening over the phone, would it excite you? If you wouldn’t be compelled to hear more, the people you are calling won’t be either. You’re better off tossing it and starting again.
Make Every Word Count: Your best work on your opening is going to be done in the editing. Does every word and statement add value and pique interest? Cut out any fluff so that your opening statement is brief but packs a hard punch.
Don’t Mention Products or Services: If the listener thinks they’re about to hear a sales presentation you’re doomed. Talk about ideas and results at the beginning of the call, and avoid mention of your products or services in the opening.
Know Where You Are Headed: A great opening will effectively transition you to the next part of the call. Know what questions you will ask next that will get you additional information. It is too soon at this point to ask for a sale or appointment. When crafting your opening statement, your goal is to communicate that you have something that may be of help and you simply need more information to find out. Convey your Unique Selling Proposition, why you are the best solution over everybody else, and you’ll close more deals once everything is said and done.
The rising tide is now receding and most likely facebook will become the next myspace…What is myspace?
Remind anybody that you know that is a shareholder to consider cashing out… Not to worry Zuckerberg has already cashed out his Billions and is laughing all of the way to the bank…
The tricky thing about leaving large sums of money to someone is how to do it without making it look like charity…
Some employers offer unlimited vacation days to workers. But is it really a perk?
A dubious work perk is seeping into America’s businesses: unlimited vacation time for employees.
The policy offers some less-than-obvious advantages for employers, along with what would seem to be obvious benefits for employees.
But it could be that only the employer benefits are real, and the employee benefits are mostly imaginary.
The practice is gaining ground in places like Silicon Valley, where start-ups spring up like weeds and venture capitalists who have never seen a timecard make little if any distinction between “work” and “nonwork” time for themselves or their employees.
For employers, the benefits of unlimited vacations include not having to use staff time to track and record vacation hours. There’s no need to pay employees for their “accrued” vacation time if they leave; they don’t accrue any. Lastly, in theory at least, it’s a perk that makes a business look employee-friendly.
Among the companies that have already put an unlimited vacation policy in place are Netflix; Best Buy; Zynga, the online game maker; and Rodale, the magazine publisher.
The system could have advantages for employees caught trying to parcel out their precious vacation days, especially if the employer has a “use ’em or lose ’em” policy on vacation days at the end of the year. Did you forget to save days for that Thanksgiving or Christmas trip? No problem. Just take some more.
If you’re guessing that an unlimited vacation-days policy might have a hidden downside, you are right. Some critics have even called it a “no vacation” policy.
In a highly competitive, workaholic atmosphere, and without some guidelines as to what is normal or expected, employees may feel guilty about taking off any time at all. Are they slackers if they take two weeks? Three? Four? What’s appropriate? Will others who take less vacation, or no vacation, be viewed more favorably?
In practice, lower-level managers charged with seeing that their department’s work gets done may be left to juggle the policy. Yes, Joe’s got “unlimited” vacation – as long as it isn’t at the same time as Jill’s, Jane’s, or James’s. And if a manager does grant that six-week sojourn to join an Antarctic expedition or visit long-lost relatives in a remote part of the world, will other employees become jealous or resentful?
Workplace legal experts also point out that an unlimited vacation policy would have to work in concert with other policies on absence such as extended illness, maternity/paternity leave, or military leave, which usually have designated limits.
The United States is the only wealthy country in the world that has set no national policy on vacation days. So unlimited could truly mean anything, from many days off to none.
At least one employer has tried to modify unlimited vacations in a way that will benefit employees. Evernote, a software company in Silicon Valley, pays a $1,000 yearly bonus to employees who take at least one week off. That kind of policy might cut down on the 57 percent of US workers left with unused vacation time at the end of the year, according to a 2011 Harris Interactive survey.
In the 21st century, the workplace is evolving rapidly away from a 19th-century assembly-line model, which required a “shift” of employees on the site working shoulder to shoulder for a set period of time. Employers now offer flexible work schedules and work-at-home options, as well as other perks such as on-site child care or free snacks and beverages to keep workers happier at their desks.
Someday totting up vacation days may seem as archaic to office workers as the sound of clacking typewriters or the sight of a uniformed attendant running the elevator.
But workers may miss doing that vacation math all the same.
By: Kevin Ashton
A Hungarian psychology professor once wrote to famous creators asking them to be interviewed for a book he was writing. One of the most interesting things about his project was how many people said “no.”
Management writer Peter Drucker: “One of the secrets of productivity (in which I believe whereas I do not believe in creativity) is to have a VERY BIG waste paper basket to take care of ALL invitations such as yours–productivity in my experience consists of NOT doing anything that helps the work of other people but to spend all one’s time on the work the Good Lord has fitted one to do, and to do well.”
Secretary to novelist Saul Bellow: “Mr. Bellow informed me that he remains creative in the second half of life, at least in part, because he does not allow himself to be a part of other people’s ‘studies.’”
Photographer Richard Avedon: “Sorry–too little time left.”
Secretary to composer György Ligeti: “He is creative and, because of this, totally overworked. Therefore, the very reason you wish to study his creative process is also the reason why he (unfortunately) does not have time to help you in this study. He would also like to add that he cannot answer your letter personally because he is trying desperately to finish a Violin Concerto which will be premiered in the Fall…”
The professor contacted 275 creative people. A third of them said “no.” Their reason was lack of time. A third said nothing. We can assume their reason for not even saying “no” was also lack of time and possibly lack of a secretary.
Time is the raw material of creation. Wipe away the magic and myth of creating and all that remains is work: the work of becoming expert through study and practice, the work of finding solutions to problems and problems with those solutions, the work of trial and error, the work of thinking and perfecting, the work of creating. Creating consumes. It is all day, every day. It knows neither weekends nor vacations. It is not when we feel like it. It is habit, compulsion, obsession, vocation. The common thread that links creators is how they spend their time. No matter what you read, no matter what they claim, nearly all creators spend nearly all their time on the work of creation. There are few overnight successes and many up-all-night successes.
Saying “no” has more creative power than ideas, insights and talent combined. No guards time, the thread from which we weave our creations. The math of time is simple: you have less than you think and need more than you know. We are not taught to say “no.” We are taught not to say “no.” “No” is rude. “No” is a rebuff, a rebuttal, a minor act of verbal violence. “No” is for drugs and strangers with candy.
Creators do not ask how much time something takes but how much creation it costs. This interview, this letter, this trip to the movies, this dinner with friends, this party, this last day of summer. How much less will I create unless I say “no?” A sketch? A stanza? A paragraph? An experiment? Twenty lines of code? The answer is always the same: “yes” makes less. We do not have enough time as it is. There are groceries to buy, gas tanks to fill, families to love and day jobs to do.
People who create know this. They know the world is all strangers with candy. They know how to say “no” and they know how to suffer the consequences. Charles Dickens, rejecting an invitation from a friend:
“‘It is only half an hour’–’It is only an afternoon’–’It is only an evening,’ people say to me over and over again; but they don’t know that it is impossible to command one’s self sometimes to any stipulated and set disposal of five minutes–or that the mere consciousness of an engagement will sometime worry a whole day… Who ever is devoted to an art must be content to deliver himself wholly up to it, and to find his recompense in it. I am grieved if you suspect me of not wanting to see you, but I can’t help it; I must go in my way whether or no.”
“No” makes us aloof, boring, impolite, unfriendly, selfish, anti-social, uncaring, lonely and an arsenal of other insults. But “no” is the button that keeps us on.