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FAQs
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What is QNET, and how far we can trust this business?
Simple answer NoooooQnet is a big scam. You can easily find related news on google.A friend/colleague of mine who is into this business model projected it as a life changing opportunity. He introduced me to his mentor(?) who told me that they are into small e-commerce business just like flipkart and they are just a start up at that time hence need investments.He further added that down the line I don't need to do much work and can earn up to 10 lakhs a month(seriously?) depending on the initial investment. The more you invest initially , more I can earn later.They will never disclose any more details of business saying it's confidential.He insisted on investing two and half lakhs as my friend, who is also my colleague, very well knows how much earn. I politely left the place saying that I need some time to make my decision.I have googled a bit and found out it's a big scam. From what I know, they don't have any specific business but whatever money you have invested will be used up by the people who joined earlier in the hierarchy.Posting this anonymously since my friend who was in Qnet earlier, has now realized his mistake.And we are still good friends.Please don't even think about Qnet.
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How can I improve my public speaking skills?
I had to speak at TEDxSanDiego and five minutes before I went up I left the building and wasn’t planning on coming back.Speaking before me was the amazing Gabrielle Ury. Differently-abled from birth, I was crying by the end of her talk of resilience.I was the last speaker. And then after me was the San Diego ballet.HELP! I was sandwiched between the two most amazing events in the world.I was going to go on stage and die.I walked around the block. I walked again. I went back into the hall.“Where were you!?”They wired me up. Everyone in the crowd was crying because of Gabrielle.“Congrats,” I said to Gabrielle and she ran into her dad’s arms and cried.Then I had to speak in front of 5,000 people. I threw up in my mouth a little I was so scared. Then I walked onto the stage:One time my company had just been bought by a much bigger one. I had to speak at their annual event.If I bombed the talk, then they would regret buying me (and the final check hadn’t come through yet).Well, I said, it wouldn’t be the first time I’ve ruined my life. But I was terrified.I had just gotten a divorce.I was on a date.We had spoken before the date. We had met on a website and she wanted to make sure I wasn’t a weirdo. We spoke and it was like we knew each other forever.We went on the date. Before the date I did the below technique for four hours.I was scared to death. I hadn’t been on a “date” with a stranger in about ten years.It was the same terror I felt before public speaking.I did the below technique I describe for public speaking. In the middle of the date she went to the bathroom and I texted my friend, ‘I’m going to kiss her’”.And I did, and it worked, and we began dating, and we saw each other again and again and again and each time I used the techniques below.She was a therapist. I lived in the Chelsea Hotel. She said to me, “If you live in a hotel, it means you’re not ready to have roots.”I said, “But I lived in this hotel for four years BEFORE I got married. This IS my roots.” Doesn’t matter.I moved into a real apartment. And then we broke up. A week later she wrote to me, “As a therapist, I can tell you that you need serious help.”Nevertheless, the public speaking tips worked. But I was insecure and scared and I did need help.Serious help.Before going to every party, before going on a date. Before going to a meeting. Before giving a talk. Before doing standup.I watch comedians. I’ve been doing this for 12 years. EVERY SINGLE DATE. EVERY PARTY. EVERY TALK. EVERY MEETING.I am going on a podcast today. “Impact Theory”. I highly recommend this podcast done by my friend, Tom Bilyeu.I’m nervous. But I will still do this technique. I will watch standup comedians on youtube along the way.Why comedians?A) The best comedians are the best public speakers. They know how to make a solid premise that everyone can relate to in as few words as possible.They then know how to “pull the rabbit out of a hat”. Surprise! A punch line that reverses the premise or underlines it in some unique way. The best comedians use laughter as the vehicle to deliver a unique thought. A new way of looking at life.B) They know how to Act.A good comic will “act out” a joke. Play voices. Give a visual image of the idea they are trying to convey.Even the best public speakers rarely do this. But comedians ALWAYS do it.Since starting standup comedy (I perform 3–4x a week for the past 4–5 years) my public speaking skills have gone up 10x.C) They are fearless.Comedians commit to the joke, commit to the act, commit to the outrageousness not matter how scary it seems.Commitment to the moment, no matter how scary, is part of the micro-skill tool kit of the best comedians. Think of Gilbert Gottfried in his filthy joke “The Aristocrats” or Andy Samberg in his Harvard Commencement Speech.(watch this for commitment).Or TJ Miller at the Critics Choice Awards when he runs into the audience and nobody knows what he is doing but he runs from person to person making jokes with people.D) They are modern day philosophers.The worst comedians go on stage with their jokes. The jokes are funny. They get people to laugh.They have premise, then punchline, then some acting-out, then maybe a continuation punch line.Ok.But they say nothing meaningful.This is what separates the D- comedians from the A+ comedians.From Richard Pryor to George Carlin to Dave Chappelle to many many others I can list, comedians have become our modern day philosophers;. Is it crazy to say Dave Chappele is a Socrates? Yes it is. But it’s true.E) They are funny.The average child laughs 300 times a day. The average adult…5 times a day. FIVE TIMES.We lose the ability to laugh as an adult. Or we have too many responsibilities and stresses.And yet laughter is shown to be a natural medicine. It reduces stress. it’s anti-inflammatory. It’s blah blah blah. It’s great.Also, people remember what is said immediately after they laugh.And, finally, laughter increases oxytocin, the “pairing” neurochemical. So this great on a date.(neurochemicals released upon laughter)F) A great comedian has his or her own unique voice.The great comedians have a unique take on society, people, relationships, creativity, politics, observation of the absurd, and a perspective on how to live life.Not that they live exemplary lives. But they have a unique voice and all creative should develop one. Artists, writers, speakers, businessmen, parents, people.If you are just starting standup comedy, don’t think about jokes. Think about what ideas and perspectives you have that are unique.Make a joke around those.Example: I saw Chappelle at Radio Music Hall. One time he said, “We call Caitlyn Jenner when she changed her name, but we threw Mohammed Ali in jail.”That was his joke. It’s not even funny. And there’s no punchline. And maybe it’s not quite accurate. But it’s an interesting point about race and gender and identity politics and worth thinking about.Everyone laughed. Not because it was funny. But because Dave Chappele said it and then he laughed and he backed up a little and leaned down and hit his knee with the mic and laughed more.He taught us to laugh at that joke so the entire audience did because we were under his control.This is a great public speaker.G) Mirror NeuronsIf I want to learn how to climb a ladder, I won’t climb one. I’m afraid of heights.I’ll watch you climb one.My mirror neurons kick in, at least for awhile, and now I know how to climb a ladder.When I watch great comedians, for a short time, I can “inherit” their skills and perform, speak, talk at a party, overcome being an introvert, be courageous on a date, or in a negotiation.This has saved my life 100s of times.(watching Gilbert gives me confidence and permission to be as silly and outrageous as possible).H) Ability to ObserveA “civilian” walks into a pizza place and eats a pizza.A comedian might walk into the same pizza place, notice it’s run by four African-American women and wonder if he’s racist for noticing that. (Louis CK’s SNL Monologue).They observe everything. They try to find the strange and unusual in everything.Seinfeld made observational humor famous. But all comedians have developed a sixth sense for observing the absurd.I was doing a podcast with TJ Miller. I asked, “how do you find the absurd.”He said, “We can sit here and talk about the weeds of comedy or I can point out how this table we are talking is like a big table for a doll’s house, the wallpaper in this club is like out of ‘The Shining’, why are these mics so big when we are right next to each other, and you should put chicken bones in your hair and let them fall out in front of people.”Look around you every moment. Find the absurd.The “Absurdity Muscle” is important to exercise every day.I) LikabilityYou won’t laugh or pay attention to someone (particularly a comedian) if you don’t like them.The best comedians have the skill of making an audience of diverse strangers like them in a matter of seconds.If all I can do is learn this skill from watching how comedians do it, then this is a great skill to have.J) MAGICComedians pull the rabbit out of the hat.They say something to create tension. The entire audience looks up. Tense.Then the comedians release the tension in unexpected ways.This is how we, as a species, practice unsafe or tense situations.This is great public speaking.Learning how to get people to LOOK UP when everyone is looking down at their phones is the most valuable skill.I’m an introvert. I’m shy. I re-energize by myself.I started doing standup myself to get even better at so many other ancillary skills (public speaking, idea generation, observing, negotiating, selling, likability, frame control, etc).Always go to the place least crowded.The place most crowded is the comfort zone. Because it’s comfortable!It’s so hard. I hate it. But I watch these comedians. And I do it.[NOTE: Everyone should have their own list. I am a man so that skews my list.]A) LOUIS CK:One of the deepest thinkers out there.He knows exactly what words to express, to pause on, to look around on, to bring the audience in.He knows how to create a premise in as few words as possible.He knows how to act out the roles of every participant in a story.He knows the arc of a story and tells it in each joke.He can see the absurd with x-ray vision.He can say something hateful and two seconds later bring the audience on the ride with him.B) DAVE CHAPPELLEThe master story teller.He speaks in joke.But he’s not just saying dumb one liners I see from so many comics.He tells a story about his life that is meaningful and deep and changes the perspective of the listeners.PLUS, he’s INSANELY likable. Watch his comedy as a teenager. Watch his recent Netflix specials 30 years later. It’s insane how he’s held on to that likability despite his successes.C) JEROD CARMICHAELThe master of communicating a message while at the same time acting as if he’s trying to figure it out right there, on the stage, with the audience.His delivery, his pace, has created his own unique style. I watched his special “8” at least 40 times. Directed by Bo Burnham.D) BO BURNHAMMaster of the surprise. He is a performer’s performer. Watching him and I learn how to create surprise out of every opportunity.Plus, it’s such a pleasure to see raw genius in action.(the Bo Burnham Kanye West rant is genius in action)E) GILBERT GOTTFRIEDYes, Gilbert Gottfried.He’s only been doing standup comedy for FIFTY YEARS.He is so silly. He commits so hard to his persona. Even absorbing one percent of his skill frees me from all conventions when dealing with others: from a negotiation to the most serious talk.I never took him seriously before.Now he is the only MUST-WATCH comedian before every thing I do that requires courage with a dash of the silly and absurd.F) ANDY SAMBERGNot a traditional standup comedian.But I have watched his Harvard Commencement speech a million times.I’ve watched it before every talk I have ever given in the past 3 years.Every time you think he’s about to get serous, he takes another swerve into the ludicrous.And he never stops. It’s like watching the movie Inception. You never get back to reality. And then you realize suddenly that’s where the message is. That’s where the art is. That’s where the courage is.And he's funny.G) DREW MICHAELMaybe the smartest comedian out there.I watch him for the depth of his thoughts. And the insane way he delivers his perspective.I also like that Jerrod Carmichael directed his recent HBO special. I like how all of these standup comedians are growing up together, helping each other out. That, by itself, is a lesson.Drew comes off as angry, but then you realize the compassion underneath that, when mixed together, creates his likability and humor and perspective.H) ANTHONY JESELNIKImagine being arrogant, abrasive, and insulting, every second of a comedy hour.And the entire time the audience LOVES you and every minute of it.Jeselnik is THE master of timing and delivery. Nobody does it better. And his ability to play an unlikable persona that is extremely likable is key.I) BONNIE MCFARLANEShe goes back and forth between multiple persona in a single joke.She told me: always try to start with a premise that is funny. That makes it easier to make a punch line.So: instead of saying, “Busses are crazy” [premise]. The premise might be “My therapist is a refugee from ISIS”. (Dealing with housewives complaining about how to decorate their houses, etc).J) TONY ROCKHe gave me two pieces of writing advice:write down all the important events in your life.write five sub-points between each itemfind the punchlines.He also said,“If you have writer’s block, take on the perspective of someone else and write a routine for that person”.So when he had writer’s block he wrote an entire 60 minute special for an Eddie Murphy comeback (when he described it, it was hilarious). I don’t know if he’s ever approached Murphy with it.K) TJ MILLERWatch his special “Meticulously Ridiculous”. His joke, “8 reasons I don’t give a ***”.He told me, “I am the hardest working comedian out there. It’s amazing to me how many people feel entitled to results but don’t put the work in.”He showed me his calendar. He was performing at SEVEN different comedy clubs that very night.This is a small list. It’s not a list in any order. It’s not a top 10. I could keep going:Marina Franklin, Michelle Wulf, Chris Rock (study his movement on stage), Jim Norton (ultimate vulnerability), Sebastian Maniscalco (mastery of persona), Geno Bisonte (laughs per minute), Aaron Berg (laughs per minute.), Ashley Morris, Greer Barnes, Allan Havey, Todd Barry (crowd work), Judah Friedlander (crowd work), Sherrod Small (calling out what the audience is thinking), Sarah Silverman (likability, combines innocence with sharpness), Gary Gulman (the master of joke writing), Jim Gaffigan (vulnerability, taking every day like and piercing through to the funny), Rich Vos (delivery, observation, fearlessness), Godfrey (sheer intelligence, turning “extreme alpha maleness” into funny), Steven Wright (dryness and one liners), Mike Biribiglia (master of story telling while still punctuated with punchlines), Neal Brennan (the brilliance of his special “Three Mics”), Seinfeld (master of observation), Larry David (observer of the absurd), and this list is only limited by my faulty memory.——The other day I had to perform for 20 minutes.I watched Louis CK, Dave Chappelle, Jerrod Carmichael, Drew Michael, Todd Barry, Aaron Berg (who was performing right after me), Geno Bisconte, Judah Friedlander, Steven Wright, Mitch Hedberg.I went to the club.Some of the comedians were too lazy to even memorize their jokes. They had their notes on stage with them and they would say things like, “Well that joke didn’t work!”To me, that’s not comedy. I can watch that on YouTube. Comedy at a comedy club is humor + experience. Not just humor.And I don’t want to know that I am just there for them to practice ‘jokes’.I wanted to see the comics with real perspective. I wanted to be challenged.I was scared, though. And when I went on stage, I ended up doing NONE of the material I had prepared.The audience was 90% from other countries. (It was Thanksgiving Day in the US).I pretended that we (the audience and me) were the UN and that we would solve each country’s problems. Everyone in the audience told me what country they were from and I “solved” their problems in ludicrous ways.I stood on the bannister surrounding the stage so it would appear like I was looming over the audience.It was fun for me. “The party is where I am at!” is what I always tell myself. You’re just invited.Tomorrow I have to give a talk at a conference. Wish me luck!
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How does one become a successful salesperson?
How I made it to #2 salesman in my first full month of selling:I knocked on over 1000 doors over a six-week period and I’ll write below how I found out what works despite sounding like a mumbling idiot at first.This post is about my experience becoming number 2 salesman out of 22 in my first full month of selling for a dairy company door to door.Even if you don’t sell door to door, some of this will still be applicable to you.First, it’s probably worth mentioning that I’m very competitive and strive to be the best at what I do. I try hard. Just having this quality will set you apart from others on the team because most people are lazy. Also, I’m very detail oriented. This allowed me to keep strict stats. Keeping strict stats kept me motivated because I knew when to expect the next sale. Based on my closing ratio.If you’ve listened to Jim Rohn much, you may have heard, “once a ratio starts, it tends to continue”. This is true and as your skill level increases so will your closing ratio which is really exciting.How I got the job:In July of 2012 I moved to a new state and was looking for a job. I had been in sales before and knew I could do it but didn’t really like selling all that much despite previous successes.After scouring every other possible avenue, I was short on cash, barely making it, so I answered a few ads looking for salespeople. I didn’t get a reply so I took my resume in to the company I most wanted to work for and asked to speak with the sales manager.I caught them off guard but this is really what they were looking for, someone that had the moxie to walk right in and be enthusiastic about their opportunity.You know how in the old days they had dairy boxes sitting on the front porch for the milkman to put milk in? That’s what this company sold. It was hard for me to believe that people still did this.The company carried around 40 products from farm fresh milk, to cheese and bread, and cookies etc. There were delivery drivers that would go out at night and deliver goods, and there were sales people that went out during the day to sell “memberships” in which the company would deliver items once or twice weekly that a customer selected on their grocery card that they needed. Kind of like a grocery delivery service for premium staple items. They had been in business for over 100 years so they were doing something right.The sales people sold the service and never really seen the customer after that.My training week:The first week I only rode with other sales people. To be honest, I didn’t really believe it was possible to get a bunch of people to buy this service in one day. It really opened my eyes seeing it done.It was one of those things where a phenomenon goes on without you really knowing about it, so it doesn’t really seem possible when you hear about it until you get out there and take action.The whole world is different when you get out and take action. Nothing is as hard as it seems when you are sitting at home thinking about it.My instructions were:“Learn the script (pitch) word for word”. It was about a page long and covered the basics of the service. It was refined from what worked well for the sales manager.“Sell the Sample” We were given samples and their purpose was really to buy time an goodwill and let the customers try our product. It really was good milk if you're a milk lover. Ha“Pay attention to these sales people and see what works for them and incorporate that into your pitch according to your personality” Next week you are on your own.On the last day of watching, I did the talking on a few doors. Let me say this: It is infinitely easier watching someone do this than doing it yourself. But it gets easier and you get better with time.Weeks 1-3 (Selling on my own):Stats: Houses approached: 650People Home: 199Samples Given: 43Sales: 22It was really critical for me to keep these stats because I then knew about when to expect another sale after my ratio developed.Ok, I should note that it was vitally important that I exercise before coming to work. I would go run from 1-2 miles gradually picking up pace until I was running as fast as I could for about the final 300m. I had a few amazing pump up songs picked out that I listened to when I ran. Exercising like this did a few things:Mainly, it turned down the stress level on all things that happened to you throughout the day. You could deal with everyday hassles way easier because you’ve just pushed yourself to your limits. Your whole mood changes.Secondly, you have more energy the rest of your day. Your blood is pumping good. Assuming you eat small, light, nutritious meals so you don’t get bogged down. (At least until you are done selling)I kept track of my stats, which increasingly got better. The first week was the toughest because I felt like a mumbling idiot. The first few people I spoke with, I just tried to recite word for word the script I had been given. I was stuttering and losing track of what I was saying because of my nerves. My hands were sweating. But I got through it.It is good to remember that this is just a process and is only temporary until you gain some proficiency. Everyone goes through it, but the more you bleed in practice, the less you bleed in war. Remember that. It’s true.After doing this for a while I discovered that I needed to change something because it sounded canned when I was talking. So I asked myself what I would say to a friend or someone I like. Then I just went up and did what I would do if I hadn’t learned a script, while trying to act as relaxed as possible.This really helped me because instead of sounding like an idiot, I was incorporating my personality and being sincere and it made the whole process seem real instead of some pushy salesman that didn’t care about the customer.When I got back to my truck after hitting a few houses, I would go over my script and see what I needed to incorporate next time to make it better. So I gradually included everything they wanted me to say in the script.Weeks 4-6:On week four something truly eye-opening and amazing happened to me.Our sales manager kept stats posted of how many sales each person had. So the leaders were visible.There was one particular guy who had unbelievable stats. I just couldn’t comprehend how he could sell this much. He had been there for 12 years I found out. He seemed kind of cocky and into himself so I didn’t like him at first. (I later found out that although he was confident because of his level of experience, he was really a likable guy)Despite not liking him initially, I made an effort to befriend him. It was hard because I had to hide the fact that I didn’t like him. He was about 10 years older than me I think.He seemed receptive to me and after a bit I said, “When are you going to ride with me and show me how you do that”? I said it kind of jokingly and friendly. Like I looked up to him. He said, “Whenever you want man”. So later in the week he asked me if I wanted to ride together and I said, “sure let’s go”.On the way to our territory he asked to hear my pitch. It was kind of embarrassing but I stumbled through it. He told me it wasn’t bad but I needed to work on my proficiency. To make it sound like the conversation that just flowed.I had no idea what to expect from him once we started selling.Listen: I had my eyes opened to what was possible in the world of selling by seeing this man in action! He had great energy. He had no visible fear of dealing with people. His words came effortlessly and articulately. There was zero friction from transition to transition, all the way until the sale was closed. I couldn’t believe what I was seeing.During one stop, I put my phone on record and kept it in my breast pocket. So I had his pitch and how he transitioned (which was critically important), how he led the customer, assumed the sale without resistance, everything! It would be hard to over-estimate the value of having a mentor like this.It would be easy to pass judgment and say this man was gifted, but he assured me that all of his success came from trial and error, and persistence, and failing until he got good little by little. Over time I learned how generous, kind, unique, and skilled this man was. He became a good friend.After this, I had a new motivation with my eyes opened to what was really possible. I started incorporating what I learned and here are my stats for the six weeks total (the lack of houses hit compared with the first few weeks was due to riding with other sales people while they sell and touring the dairy, etc.):6 Week Stats Total:Houses Approached: 990People talked to: 342Samples given: 77Sales: 45Believe it or not, all of those fears you have about getting chewed out by the homeowner rarely came true. I can remember dealing with only 3 or so “grumpy” people and they were disarmed when I kept agreeing with them.I came in just under the top salesman for the month. So at this point I had a goal for the next month of making 4.3 sales per day to hit my monthly goal of 86. Without taking into consideration my skill level increasing, this meant approaching 95 houses per day, talking to 33 homeowners, sampling 7.3 people and selling 4-5 of them.Here is a photo of the spreadsheet I made:When I came in at night I would just track my numbers on my computer.In summary here are a few points that were important to my success. • Exercise hard• Keep track of progress• Develop a ratio to stay motivated and know where you are at (I was the only one at the company doing this) hard to believe, i know• Learn from the best. This will take tons of time off the learning curve.• Don't quit. Push through the tough spots, it get's easier and you get better.• There are tricks in every trade that you don't know about. Make an effort to find out what they are and use them to your advantage.• Go throughout the day with a sense of urgency.• Finding out what customers are interested in hearing (once you do, don't stall for a second, talk about that)• Be respectful and assume rapport• Use a lot of adjectives concerning your product• Maintain and attitude of "Why wouldn't someone want to use this product or service?" -knowing the value of it• Offer as much value to the customer as you can early on.• Pay attention to how your courage increases as you use it• Focus on relaxing while you do what you doGood luck in your efforts, Roy
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How can I build an online sales funnel to grow my business?
Hi...The Sales Funnel is a customer-focused marketing model which illustrates the theoretical customer journey towards the purchase of a product or service. An example of sales or customer funnelThis staged process is summarized below:Awareness – the customer is aware of the existence of a product or serviceInterest – actively expressing an interest in a product groupDesire – aspiring to a particular brand or productAction – taking the next step towards purchasing the chosen productThe Sales Funnel is also often referred to as the “customer funnel”, “marketing funnel”, “purchase funnel” or ...
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What is the best way to make a million dollars?
What is the quickest way to make a million? Fashion @runwayfashionUK: what is the quickest way to make a million?Answer:I will tell you.Step one. Figure out an area that is “hot”. For instance, Facebook marketing is inning one. Better tests for personalized diagnostics of age-related diseases is in inning one. Understanding the root causes of depression is in inning one. Combining mobile with social is in inning one. Self-publishing your book and marketing it is in inning one. There are probably 30 more areas I’m neglecting to mention. Maybe 100. Or 1000. Start listing them today.Step two. Start a service business in one o...
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Life Advice: How can I make my life simpler?
I added the first item in my list in a comment above, but I will put it here as well, and add some other things. Buy well-made items the first time around (and do your homework to find the right thing the first time). This goes for appliances, clothing, electronics, etc. These things will cost you more at the outset, but will end up costing you less in the long run, both in terms of money and time. They will also contribute less to the overwhelming amount of stuff in landfills (which are especially clogged these days from castoffs of "fast fashion" clothing). Decide what you really do need to buy. Try not to buy, for example, kitchen appliances and gear that only do one thing, and decide if you really do need yet another thing that plugs in. Heat up leftovers on the stove instead of buying and using a microwave. Chop things by hand instead of buying and using a food processor. Buy clothes that truly fit well, and that are in a classic style (i.e. not things that will look dated in a season). Buy only what you really need for all the occasions for which you need to dress, and only what you need to have in between washing cycles. Get rid of physical media. Keep some of your favorite books (especially ones that really need to be touched and paged through, like art books and children's picture books), but get rid of most of them. Use the library and use ebooks. Get rid of CDs. With all the streaming music sources out there, you can even get rid of your mp3 collection and just stream anything you want to hear. Don't have a TV or a cable box. You don't have to live like a luddite, though, to live simply - have a nice, large monitor and a decent computer with a good, fast internet connection. Stream TV shows and movies you want to watch. If you must own a car, own one used one. Keep it in good running shape. Take care of it physically. But if you have an older "cockroach" car (e.g. most Toyotas and Hondas), you can keep that sucker running forever without thinking about it much and without worrying about every scratch and ding. If you can get away without a car, do so. Get yourself a nice commuter bike that fits you well (by "nice" I mean one that is built well with decent parts so it works well and you enjoy using it, without having to worry about it getting banged up or stolen). Rent an apartment, don't buy a house. Don't have a yard or building maintenance to deal with. Plumbing issue? It's not your problem to solve. The building needs painting? Who cares? Lawn needs mowing? Not by you. Your neighbors get too annoying or your neighborhood starts to go downhill? Move when your lease is up. Purge, relentlessly purge things you just don't need and aren't sure you want anymore. An easy way to do this is to have a "holding area" for things you think you might want to get rid of but aren't sure you can commit to chucking. The holding area can be part of a closet, an unused stairway landing, etc. Make sure it's neat and self-contained. Put things there that you think you probably don't want anymore. If you're fine with them out of your life after a week or so, donate them. Have fewer things sitting out on surfaces in your place of dwelling. And pick up after yourself and put things away when you're done with them. Reducing clutter really helps one feel calmer. And it's a great incentive to get rid of things you're just tired of cleaning or putting away all the time (especially if they just don't give you enough pleasure for the annoyance they cause). Have one credit card. Let's be honest - in this day and age, you do need a credit card. But you don't need five. Pay off and close out the others as soon as possible. This will really help you know exactly what you've spent on what, and where your debt lies. Make sure that you have that one credit card set up with electronic statements only (and have email reminders sent if you need them). That reduces random crap that comes in the mail, and also helps you really to figure out the status of your spending (I find that paper statements are oftentimes difficult to read, and you can't just click around on them to get more information). The same goes for bank accounts and debit cards. Have a savings and a checking/debit account at one bank. Keep track of these accounts electronically.Collect all your mail, put it in a bin, and sort it once a week. There's no need to go through snail mail every day (if something is urgent, it's not going to be sent by snail mail). For a long-term project, go through your junk mail and call/email each place to unsubscribe from their mailing lists so you eventually have to deal with less paper crap in your life. Keep your email inbox empty. Answer emails immediately, if possible. When that's not possible, immediately "quarantine" these emails into an "action" folder to be dealt with later. Label and archive everything else that you want to be able to find later. Make filters so certain "bacon" items (i.e. spam that you've signed up for, like mailing lists - things that you might want to look at, but are not top priority) go straight to folders to be gone through once or twice a week. Obviously, use gmail. Don't get stuck staring at a screen more than you have to (she says, while typing up a long answer on Quora). Use social media if it makes you happy. But don't become a slave to it. No electronics after 10PM. **Edit for a couple more things I thought of:One electronic thing that I've found that IS worth owning is a small document scanner. The Fujitsu ScanSnap is amazing. It's tiny and it works fantastically well. We use it to scan all the files that one needs to keep track of and that would otherwise have to exist in paper form in a filing cabinet. The first time around, scanning everything took a long time; then again, we DID get rid of an entire large filing cabinet's worth of papers and stuff (as well as the filing cabinet itself). And now we put important papers and such in a folder to be scanned about once every month or two, and we keep this digital filing cabinet in the cloud (Dropbox works well). Not only does that help you get rid of a lot of papers, but you can also find things so much more easily when you need to (e.g. for insurance purposes, taxes, etc). I've also used this to scan written mementos (e.g. holiday cards, postcards that I want to see again, written notes) that I don't want to get rid of completely, but that I also don't want to have in a big bin in my house. We have one small container (one of those 6-8" deep file bin things) for papers one HAS to keep (e.g. car titles, birth certificates), and a couple of small shoeboxes of physical mementos. And that's it. Get rid of as many annoying errands as you can. If you have a bit of room, stock up on annoying cleaning supplies and paper goods at Costco or the like. Order other annoying household type things from Amazon (yes, I know, there's a trade-off here in that local businesses don't get the revenue from things you've ordered from Amazon. At the same time, spending an hour to get to and from a store to get dish soap can really suck the life out of you). Rather spend that errand time enjoying shopping for good food, patronizing local businesses for high-quality items (e.g. things that are NOT, say, dish soap), spending time doing things you actually WANT to do. Consider observing the sabbath, or a sabbath-like day to some extent. This doesn't have to involve religion. But enforcing some strict rules on yourself regarding what you are and are not allowed to do for 24 hours can really get you out of the constant complexities of modern life. A sabbath-like day should be a day of rest, a day devoid of work of all kinds. Obviously, you can choose to follow the judaic tradition or you can make up some rules yourself. But the general idea that you're not to use electronic devices, that you're not to do any work, that you're not to finish anything, that you're not to write anything, that you're not to clean or scrub anything completely changes the way you travel through your day. All this being said, enjoy yourself. Live simply to allow yourself more time and energy to actually go out and do things, to read things, to learn things, to make things, to spend time with people, to exercise, to travel. I think too many people equate "living simply" with being a complete ascetic. I think that my family and I live quite simply (though we're always trying to get a bit better at it), yet we are not monks. We love having nice clothing that makes us feel spiffy (some of it used/vintage, some of it new), we love eating excellent food, we enjoy having certain electronics that work really well and that add to our lives, we love watching good TV and movies and listening to a variety of music, we love biking most places but taking the car when we have to (and we actually also love our 1988 Toyota Land Cruiser with more than 350000 miles on it), we really enjoy having nice, well-made athletic equipment that makes our athletic endeavors more enjoyable. Could we get on without much of that? Sure. But we are also not in a race to live in a yurt in the middle of nowhere (which is a completely lovely option for those who wish to do just that).
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What's the best way to increase productivity?
Productivity is largely about changing your mindset and habits. I don’t want to give you a bunch of tricks, tips and hacks because if you don’t fix the underlying foundation, nothing will change. Sure, you’ll be more productive for a day or two, but you’ll soon go back to the way things were.Productivity isn’t about time management (that’s a misnomer) – it’s about self-management. Here are some of my best tips for managing your self and becoming more productive.Build your day around your toughest tasks, then do those things first.Identify your top one or two most pressing tasks, then tackle those first. You have the most willpower and motivation in the morning, which means your likelihood of completing those things is the highest. The other benefit to this is it creates a domino effect – once you get your most important things done, you can use that momentum to complete your other tasks.Create a “stop doing” list.We’ve all been taught to create a to-do list. But just as important as the things you are doing, you must stop doing certain things. Learning to say “no” frees up a lot of your time. Steve Jobs said that what made Apple Apple was not so much what they chose to build but all the projects they chose to ignore. Stop checking your email first thing in the morning – protect the peak energy hours for your best work.Decide “Hell yes!” or “no.”One of the best pieces of advice along the same lines comes from Derek Sivers – when deciding on things, it should be a “hell yes!” or “no.” There is no in-between. This really helps you decide on what’s important and what’s not. Note: this can and should also be applied in other areas of your life too, like buying clothes for example. How many T-shirt have you bought and only worn once?Delegate the tasks you dread and the tasks that.I love the concept of “activation energy” – the effort that it takes to get something started. Once you start a task, it’s easy to keep going, but the hard part is starting! If you delegate those tasks with a high activation energy, you’ll be able to start gettings things done, then use that momentum to keep going and stay productive the entire day.Stop waiting for perfect conditions.There will never be a “perfect” time to do anything. Don’t wait to launch a project or start a task. Done is better than perfect Immediate action fuels a positive feedback loop that drives even more action.Eliminate the mess to eliminate the stress.Mess creates stress. Tennis icon Andre Agassi said he wouldn’t let anyone touch his tennis bag because if it got disorganized, he’d get distracted. Clean out the clutter in your office to get more done. Set up the conditions for productivity.Throw out your TV and unsubscribe from Netflix.It’s too easy to get caught up binging on Game of Thrones. The best way to make sure you don’t get caught waiting entire nights on junky TV is to not have a TV. Set up the conditions for productivity.Establish positive routines.Some of the most productive people (Tim Ferriss, Stephen King, Thomas Edison, etc.), follow strict daily routines. Every day, they know exactly when to get up, they know exactly when to start work, exercise, work, etc.. Peak productivity is not about luck. It’s about routine and devotion.Stop multi-tasking!New research confirms that all the distractions invading our lives are rewiring the way our brains work (and drop our IQ by 5 points!). Be one of the rare-air few who develops the mental and physical discipline to have a mono-maniacal focus on one thing for many hours. (It’s all about practice).Slow down to speed up.Get things right the first time because not doing your best work, causing you to re-do it will take 2x longer than it would have originally. People are wildly distracted, leading to mistakes. To unleash your productivity, become one of the special performers who have the mindset of doing what it takes to get it right first. This saves you days of having to fix problems.Ask for help.There’s no shame in asking for help. It actually shows maturity. And studies show they’re actually viewed by their colleagues as being smarter. Learning to ask for help and leveraging other people’s strengths could save you tons of time in the long run.Stop and reflect.Take a step back and see what’s working and what’s not. See what needs to be prioritized and what needs to be changed. Building in time to review isn’t wasting time, but optimizes your work moving forward. For more on post-project reflection, check out this post.Take a break!Sometimes, your brain just needs a break. If you’re feeling stuck on a particular problem or are feeling like you aren’t getting anything done, don’t fight or resist that feeling. Recognize that your body or mind is trying to tell you it’s overwhelmed, and go take a walk. Downtime makes you more productive by giving you more emotional resilience to the inevitable ups and downs at work, while also helping you to get some perspective on the problems you are trying to solve. So unless it’s an emergency, when you leave the office, leave it. Everything will be there when you get back.
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How does one create a business plan?
Startups 101: How to Create a Business PlanThe first thing you need to do is create an executive summary and a mission statement. After that, you need to study your market, compare yourself to your competition, create a share structure, outline financials, and fill out the rest of the pertinent data like the other people suggest.Below is an example of the last executive summary and mission statement that I created for a company I was planning to launch earlier this year.Since I own the company, wrote this from scratch, and decided that I will not be launching this product, I decided to share. (Yes, it is heavily focused on marketing, but that's my primary expertise, if I'm even somewhat good at it... Who in the world knows...)I worked with a Product CEO and operated as the COO at this company and recruited a highly talented team, however the Product CEO decided to part ways so we scrapped the business.Also, you may not want to make a public benefit company unless you already have investors you can turn to for sure who don't care what kind of business you own. If you are seeking to raise money from venture capital, then it is highly unlikely that they will invest into your model. 1.0 EXECUTIVE SUMMARYCompany Name | Tagline | An American Public Benefit Company Founded in February of 2013, (“SE”) features contemporary women’s fashions specializing in comfort, fit and sexiness, established by a diverse group of individuals, led by the C.E.O. Ms. Lee. SE holds idealistic aspirations of giving back to the underprivileged, creates American Jobs and gives back to the community, while keeping the clientele engaged through social interactions SE provides: • A Philanthropic Vision. • Patriotism. • Quality Clothing. • Best Styles for women of the 21st Century. • Quality Content. • An Interactive Community. SE’s innovative design and marketing team constructs visionary product campaigns and strategies, designed to push SE to the forefront of the industry. Derived from the fictional character, Sophia Serrano, from the film Open Your Eyes, SE’s inspiration is characterized by Sophia’s radiant qualities of being: positive, down-to earth, original, mysterious, sexy, and guileless in a perfect world. Sophia is the “ideal” woman because not only is she divine in nature, she is able to cope through the greatest obstacles that obstruct her from her path. Simultaneously, Sophia is so unique, she makes a man follow her into the afterlife of his dreams. Not only did she (tagline) in the real world, she left him in need of her in the afterlife. SE wants other fashion brands and the world to know that everyone in this world matters, no matter your race, ethnicity, financial background or country of origin. SE empowers people to make a difference by: • Helping the Underprivileged Children of America. • Creating American Jobs. • Providing a more Eco-Friendly environment. All of SE’s products are made in the United States, providing more opportunities to influence economic growth. SE ensures no usable fabric goes to waste by collecting all the scraps of fabrics and donating the items to (charity), with the sole intent to create exclusive items, blankets, or articles of clothing for the less fortunate. In addition, SE donates 10% of all sales to (charity) , to help feed, clothe, and provide shelter for the less fortunate.SE plans to take a creative approach to branding and marketing the company. Not only will SE use traditional methods of marketing, such as mailing clothes to celebrities, look books to bloggers and editors, buying editorial spots, sponsoring events, and advertising online, SE will take grass root efforts to the next level in attracting hits to the website, along with social media to keep the clientele engaged. Sending celebrities, fashion editors and bloggers free gifts never guarantees the promotion of an item, so SE has decided to implement a revenue sharing program with its clothing. Each individual influencer will have a personalized URL to direct their clients to SE’s website. Each purchase made within thirty days by the referral of an “influencer” will generate an earnings check of $25 to the referrer. Checks will be cut once the accumulated balance signNowes $300, or can be exchanged to store credit. SE will seek out make up artists, photographers, stylists, and other professionals within the fashion industry to provide an opportunity to earn an extra source of income through its revenue sharing program. SE will also provide clothing to stylists, to have featured in editorial along with video content. SE’s grassroots efforts will take place in the form of carefully selected event sponsorships. Through event sponsorships, models will be showcased wearing the SE product through a trade booth. SE will take pictures of celebrities who try on the products and feature blog posts through social media efforts of the celebrities, while distributing the highly sought out images to fashion bloggers. SE will then pass out $10 SE Clothing Branded Gift Cards to people who fit the role of the target consumer of the brand at the event. Initially, 50,000 gift cards will be made for distribution within the first year, of which we expect at least 25,000 to visit the website URL. SE will implement a referral based program, where if a friend is referred to purchase an item through the SE website through their email or social media link within 30 days, the customer will have the choice to have one of the following occur: • $25 will be credited to the referrer’s account for Future Purchases. • $25 will be donated to the referrer’s Charity of Choice. The referee will also receive $10 credited off their first purchase. Studies indicate that 1 out of every 3 customers will refer their friends to a site that they trust and enjoy. SE will partner with publishers and affiliates such as Google Affiliate, Commission Junction, Avantlink, Affiliate Window, Webgains, Pepperjam, Integrate, Etc. to allow professionals to earn a profit by referring their clientele to purchase items from SE. In order to create better organic SEO (Search Engine Optimization) results to guide more online traffic to the website, SE will carry lines of both popular name brand and up-and-coming American Made products by other designers, such as Nasty Gal, Diesel, Ralph Lauren, Armani, Etc. In order to acquire the product necessary, SE will create a strategic partnership with its manufacturer to sell their excess inventory. Once new customers visit the SE site, they will be given an opportunity to register on the site to claim their $10 credit. Through registration, information such as the customer’s name, email address, phone number, address, and social media profiles will be gathered. Once the customer registers, they will be able to access the site. A welcome email will be sent to the customer within one day, welcoming them to the site. Within 5-7 business days, a letter stating SE’s appreciation of the customer with an outline of the brand’s philanthropic vision will be physically mailed to the customer on company letterhead and hand signed by the C.E.O., Ms. Lee. The customer will then be emailed, informing them that their gift card will expire in 30 days, 3 weeks, 15 days, 7 days, 3 days, 2 days, and a final offer email. This cycle will repeat for another 30 days for a total of 60 days, which will trigger a sense of urgency within purchasing an item within the allotted timeframe. SE will engage with customers by providing the first few sentences of educational content through email, while providing links to the blogging section of the website to read the full article, along with social media efforts on Pinterest, Facebook, Twitter, DeviantART, Tumblr, Google+, Polyvore, Wanelo, Quora, Lyst, Etc. to build trust with the clientele, and keep them engaged with the brand. SE will track user activity through analytic services provided by Kissmetrics to measure which campaigns work best, to better understand our audience. SE will influence increases in transaction sizes by donating one item to charity for every $300 spent in a single transaction. Not only would revenues increase, the philanthropic vision would accelerate to creating a bigger influence to society, which in turn will create a better image for the brand. SE will have a section on the site where users can upload images of their new purchases, how they pair their outfits, provide feedback to others, and like other consumer’s styles, creating an engaged society of buyers who become advocates and prosumers of the brand. SE will begin sales on the retail website, then slowly trickle into many online boutique stores, physical boutique stores, then into major department stores. Since bulk purchases from vendors decrease manufacturing costs, the business model is extremely scalable. As SE becomes a more established brand, price increases will be implemented in 10% increments per season, increasing profit margins while manufacturing costs decrease. SE will create separate databases for consumers who have at least purchased one item and another database for loyal consumers. In regard to the database of consumers who have purchased, collateral material providing a promo code for a promotional discount will physically be mailed to the clients two weeks prior to an anniversary or holiday sale, to provide exclusive access to the promotion. SE will randomly select users from the loyal consumer database to provide a free gift with purchase, expedited or free shipping, and various other promotional tools to reward brand loyalty. Once SE establishes a loyal client base, verticals will be integrated one product at a time in minimal quantities, initially to test the market to see how well the product does. Verticals will range from products such as cosmetics, shoes, handbags, hats, stockings, scarves, jewelry, and other womenswear based products. Led by C.E.O. Ms. Lee, SE has hand selected a managerial team of 8 creative unique individuals to grasp a portion of the $500+ billion dollar market by creating quality content, negotiating with vendors, managing finances, and laying out the long term growth of the company, all while creating beautiful product. 10 years from now, in the year 2023, SE plans to be acquired by LVMH, PPR, Richemont, Valentino Fashion Group, The Aeffe Group, Puig, Diesel, Phillips-Van Huesen, Hermes, Liz Claiborne, Inditex, The Arcadia Group, or Aurora Fashion for a strike price of $300 million. SE is currently seeking seed financing in the amount of $275,000 to be used to cover manufacturing, marketing, legal and operational expenses to establish the brand. MISSION STATEMENTUnited together, SE’s commitments to society are as follows:#1. To Mother Earth:We vow to make sure that no usable fabric is wasted. All usable scrap material will be recycled into specialty items, blankets or created into articles of clothing for the less fortunate.#2. To Our Nation:We vow to Shop American. We vow to only manufacture our product in America. We are creating American jobs and doing our part in rebuilding the American economy.#3. To Our World:We vow to take a stance against child labor. We take a stance against the Chinese sweatshops with hazardous work conditions.#4. To The Less Fortunate:We vow to provide food, clothing, and shelter for children who are unable to take care of themselves, especially the ones right here at home.#5. To Our Customers:We vow to make sure you feel beautiful and (tagline). We vow to create the sexiest, most reliable products made from the best material we can find. We will provide the best fit possible. We will listen to your opinions and make decisions based off of your feedback. Your voice will be heard. #6. To Our Design PartnersWe vow to provide our client base accessibility to your designs to increase your exposure in the market place. Whether you are a small designer who is just beginning or an established brand, there is a place here for you to showcase your items, as long as the product is manufactured here in America.#7. To Our Employees: We vow to bring the jobs back home and provide fair wages. We vow to provide a fun and friendly stress-free work environment.#8. To Our Shareholders:We vow to provide you a seat on our board. We vow to listen to your expertise. We vow to provide returns in a timely manner. We vow to fulfill your philanthropic vision.Oh, it might be in your best interest to include a mind map as well.The first five pages should include the following information:BUSINESS DEVELOPMENT PLAN MARCH 2013 ****** CONFIDENTIALITY & DISCLOSURE NOTICE ****** IMPORTANT: This document is for information purposes only and sent at your request and is covered by the Electronic Communications Privacy Act 18 U.S.C. 2510‐2521. This is neither a solicitation of investment nor an offer to sell and/or buy securities. This communication may contain non‐public, private, confidential or legally privileged information and documents intended for the sole use of the designated recipient(s). The unlawful interception, use or disclosure of such information is strictly prohibited under the applicable laws of the U.S.A. and the State of Nevada. Any review, retransmission, dissemination or other use of, or taking of any action in reliance upon this information by persons/entities other than the intended recipient is prohibited. If you received this document and / or a transmission of this document in error, delete any electronic copies of this document and / or return this document to (Name, Address) CONFIDENTIALITY & DISCLOSURE NOTICE IMPORTANT: This document is for information purposes only and sent at your request and is covered by the Electronic Communications Privacy Act 18 U.S.C. 2510-2521. This is neither a solicitation of investment nor an offer to sell and/or buy securities. This communication may contain non-public, private, confidential or legally privileged information and documents intended for the sole use of the designated recipient(s). The unlawful interception, use or disclosure of such information is strictly prohibited under the applicable laws of the U.S.A. and the State of California. Any review, retransmission, dissemination or other use of, or taking of any action in reliance upon this information by persons/entities other than the intended recipient is prohibited. If you received this document and / or a transmission of this document in error, delete any electronic copies of this document and / or return this document to (Name, Address) CONFIDENTIALITY AGREEMENT The undersigned reader acknowledges that the information provided within this Business Development Plan (“BDP”) is confidential; therefore, reader agrees not to disclose it without the express written permission of SE. It is acknowledged by reader that information to be furnished in this BDP is in all respects confidential in nature, other than information which is in the public domain through other means and that any disclosure or use of same by reader, may cause serious harm or damage to SE and other sources identified herein. The information, estimates and projections contained herein have been prepared by SE in good faith and on a basis believed to be reasonable; such estimates and projections involve signNow elements of subjective judgment and analysis. No representation or warranty, expressed or implied, can be made as to the accuracy or completeness of such information, and nothing contained in this BDP is, or shall be relied upon as, a promise or representation as to the past or the future. This BDP is submitted in connection with the evaluation of a potential transaction and may not be reproduced or used, in whole or in part, for any other purpose. Upon request, this document is to be immediately returned SE,. ___________________ Signature ___________________ Name (typed or printed) ___________________ Date This is a Business Development Plan. It does not imply an offering of securitiesFORWARD LOOKING STATEMENT This document may contain certain forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, including, but not limited to, statements as to future operating results and plans that involve risks and uncertainties. We use words such as “expects”, “anticipates”, “believes”, “estimates”, the negative of these terms and similar expressions to identify forward looking statements. Such forward-looking statements involve known and unknown risks, uncertainties and other factors which may cause the actual results, performance or achievements of the Company to differ materially from any future results, performance or achievements expressed or implied by those projected in the forward-looking statements for any reason. References herein to “the Company,” “we,” “our,” “us” and similar words or phrases are references to SE, and/or its subsidiaries, unless the context otherwise requires. CONTACT INFORMATION Inquiries may be directed to the appropriate party below:Leonard Kim COO SEAddress:Phone: Fax: Email:The Table of contents should include the following information that no one, aside from analysts read:TABLE OF CONTENTS 1.0 EXECUTIVE SUMMARY1.1 OBJECTIVES1.2 MISSION1.3 KEYS TO SUCCESS 2.0 COMPANY SUMMARY2.1 CAPITALIZATION SUMMARY2.2 COMPANY LOCATIONS AND FACILITIES.3.0 PRODUCTS AND SERVICES3.1 THE SE TECHNOLOGY3.2 COMPETITIVE COMPARISON3.3 MARKETING MATERIAL3.4 TECHNOLOGY FULFILLMENT3.5 FUTURE PRODUCTS AND SERVICES4.0 MARKET ANALYSIS SUMMARY 4.1 MARKET SEGMENTATION 4.2 TARGET MARKET SEGMENT STRATEGY4.2.1 MARKET NEEDS4.2.2 MARKET TRENDS 4.2.3 MARKET GROWTH4.3 SERVICE BUSINESS ANALYSIS 4.3.1 BUSINESS PARTICIPANTS 4.3.2 DISTRIBUTING A PRODUCT 4.3.3 MAIN COMPETITORS 5.0 WEB PLAN SUMMARY5.1 WEBSITE MARKETING STRATEGY5.2 DEVELOPMENT REQUIREMENTS6.0 STRATEGY AND IMPLEMENTATION SUMMARY6.1 SWOT ANALYSIS 6.1.1 STRENGTHS6.1.2 WEAKNESSES 6.1.3 OPPORTUNITIES6.1.4 THREATS6.2 STRATEGY PYRAMID 6.3 VALUE PROPOSITION6.4 COMPETITIVE EDGE 6.5 MARKETING STRATEGY SUMMARY6.5.1 POSITIONING STATEMENT 6.5.2 PRICING STRATEGY6.6 SALES STRATEGY 6.6.1 SALES FORECAST 6.7 MILESTONES7.0 MANAGEMENT SUMMARY 7.1 ORGANIZATIONAL STRUCTURE 7.2 MANAGEMENT TEAM 7.3 MANAGEMENT TEAM GAPS 7.4 PERSONNEL PLAN 8.0 FINANCIAL PLAN8.1 START-UP FUNDING 8.2 KEY FINANCIAL INDICATORS8.3 BREAK-EVEN ANALYSIS 8.4 PROJECTED PROFIT AND LOSS 8.5 PROJECTED CASH FLOW 8.6 PROJECTED BALANCE SHEET 8.7 BUSINESS RATIOS 8.8 THE INVESTMENT OFFERING8.9 VALUATION8.10 USE OF FUNDS9.0 APPENDICESTABLE: SALES FORECAST TABLE: PROFIT AND LOSS TABLE: PROFIT AND LOSS TABLE: CASH FLOWTABLE: CASH FLOWTABLE: BALANCE SHEETIf you're using a business plan to try to attain a loan for a small business... I took a different business plan for a nightlife company, brought a cofounder with a 680 credit score, and went to Long Beach SBDC and they helped me get approved for a loan from a credit union for $30,000 two years ago. The whole process took less than a week, since we already had our business plan finished prior to showing up. We ended up not taking the loan because our programmer ran off with the money we had paid him prior without delivering our technology.There are Small Business Development Centers, sponsored by the Small Business Association, all across the United States that will help you make a business plan for free, read it, and even shop it out for business loans.If you're using a business plan to attain financing from an Angel Investor or VC, then all that matters is your executive summary and your slideshow. I mean, you still need the other data filled in, but these are the only two areas of which they put their main focus on. However, a lot of investors use two financial analysts to carefully go over every detail within a business plan prior to investing their own cash. So, the fine details are pretty important regardless of what anyone else says. Also, if you need to know how to split equity with your startup, read more here: How much equity do you give early employees when the company is bootstrapped?Read more at my blog: Startups 101: How to Create a Business Plan
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it/PV4eVY — Donald Trump Jr.'s Lawyer (@mandy_cooper13)
Trump Jr. also sent the email after news broke that former acting Attorney General Sally Yates had alerted the White House that Flynn might have lied about discussing sanctions with then-Russian ambassador Sergey Kislyak.
The White House, which initially said that Trump didn't know any details about Flynn until he learned about it later — then said that the president only found out about them through media reports — has faced questions about why Trump's son was seeking to establish communications with the Russian government in the first place.
In a series of tweets, Trump Jr. denied that he and others had received the emails, and called the Times story "a COMPLETE and TOTAL FABRICATION" of his meeting. He said the Times' "fictional account" was "100% made up."
This morning's NY Times Magazine cover: "How Vladimir Putin Created Donald Trump." — Donald Trump Jr. (@DonaldJTrumpJr)
Flynn's resignation Monday came the same day that he was interviewed by FBI agents about the meeting — as part of Robert Mueller's probe of Russia's meddling in the US presidential election.
How to use sandata electronic signature?
You can create the same "smart signature" as described above using the same electronic signature (sandsalt).
First, take a sandstone (or other hard stone) that you have and place it on the base of a piece of paper.
Now take a small piece of paper and place it on top of this sandstone.
Write on the paper with your sandstone "I am a digital signature".
Then take a piece of paper and write "1" on top of this signature.
Then place the piece of paper back on top of the stone and then fold and glue it over the top of the paper.
Repeat the process as many times as you like.
Now you have a digital signature.
How do I create a digital signature that can use the "smart signature" technique?
If you like, you can download this PDF file and use it to create your own digital signature.
How do you create a digital signature that can use the "digital signature technique" technique?
Here is what you would need to do:
Take a piece of sandstone (or other hard stone) that you have and place it on top of a piece of paper.
Now take a small piece of paper and place it on top of this sandstone.
Write on the paper with your sandstone "I am a digital signature".
The second sentence in this second sentence means that you are creating a digital signature for the "smart signature" technique.
The word "smart signature" means that you can print this signature as many times as you like.
You can do this using the "sounds like" technique.
In other words, instead of saying you want to be...
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