Archive for 'Business Owners'

Area In Austin Graphic Designs Freelancer Directory

Thursday, June 25th, 2009 at 2:31 am  
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Working as freelance in graphic design can be very challenging. Not only do you have to find your own minisite design clients, do all of your own minisite ebook design work, and handle all of your own graphic design office tasks, you are also on your own with keeping up with graphic designs information, technology, and resources. The best way to keep up with these types of information about graphic design is through networking. There are many networking and client finding resources for graphic design freelancers in the Austin area.

Freelance Austin is possibly the best available resource for the minisite ebook design freelancer. This organization offers a web design freelancer directory for Austin business owners to search and locate a graphic design freelancer. There are also many minisite design networking events, and various freelancer meetings and events. While Freelance Austin is not specifically for graphic design freelancers, it does put the web mini site design freelancer in contact with other industry professionals as well as potential clients. This Austin freelance organization is, if nothing else, a great way to generate referrals for clients for the web graphic design freelancer.

Publishers Resource Group is a useful resource for any freelancing graphic designer to be aware of. Rather than a networking organization or minisite design professional association, Publishers Resource Group is simply an organization that routinely, and preferably, uses freelance graphic designers for all of their publishing needs. Based in Austin, this curriculum designing company hires freelancers for type design, cover graphics design, and all other graphics design projects.

Creative Freelance Web Online is another great web graphic design freelancer resource. Carefully screened graphic design freelancers are listed in a graphics design freelance directory. Clients then look through the available web graphic design freelancers, go through online graphic design portfolios and resumes, and then contact the graphic design freelancer through the Creative Freelancers web site. This is a great way to get qualified clients and leads for your graphic designs freelancing business. Best of all, there are not many listings in the Austin area, so anyone looking to get in on the ground floor of this web site in the Austin area should get themselves listed as soon as possible to take advantage of the many Austin visual graphic design freelancing opportunities that may become available.

You will undoubtedly notice, there are many resources, both free and inexpensive, for web design freelancers. The best way to find these resources and take advantage of them is to simply research on the internet by searching for Austin web graphic design freelance resource. You can also check with your local Chamber of Commerce for information about Austin area illustrative graphic design professional associations.

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Selling Business Notes For Quicker Cash

Wednesday, June 24th, 2009 at 10:24 pm  
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In about 85 percent of all business sales, sellers accept a cash down payment and a promissory note to pay the balance in installments. The note is personally guaranteed by the buyer, and it is secured by the business and its assets in case the buyer defaults. Providing owner financing allows sellers to cater to a broader pool of potential buyers.

However, many sellers don’t want to be in the lending business and would prefer not to hold business notes. The good news is: they don’t have to. If you created a business note to unload your company, you can sell the note to someone else. This way you can get instant cash out of the business, instead of waiting to receive periodic payments in the future. You can use the cash for a variety of purposes, including: capitalizing on other investment opportunities, paying off debts, funding college tuition and making major purchases.

How Selling Business Notes Works

Business notes are purchased at a discount—like all notes sold on the secondary market—to make them attractive to potential buyers. Without a discount, there is no incentive for investors to incur the risk of waiting three to five years or even longer to recoup their money. Historically, more than 90 percent of new business owners fail within the first five years. Therefore, there’s considerable risk attached to the purchase of any business note.

You may receive less than the full balance of your note when you sell it. However, the total cash you receive from the down payment and the sale of the note will usually be about the same as you would have received from an all-cash sale of your business. That’s because all-cash buyers can insist on a much lower selling price.

The amount of money you’ll actually receive for your note depends on a number of factors. But as a general rule, for a full purchase, you can expect to be paid 50 to 80 percent of the balance of the note. More specifically, the amount of cash your note can be sold for will be determined by three general components: the current economic environment, the terms of the note (payment amount, interest rate, length of payback, etc.) and the degree of risk or probability that the note holder will lose his/her money.

Criteria for Purchasing Notes

Certain guidelines must be met in order for a business note to be purchased. Naturally, first-position liens are eligible. Here are some other elements investors like to see:

• The business is in a profitable position, with evidence of operating cash flow.

• The buyer has good credit, which generally means a FICO score of at least 625.

• The buyer put down at least 30 percent of the purchase price in cash, which signifies that he/she is truly committed and able to weather down cycles.

• The principal owners have made a personal guarantee on the note.

• The note has been “seasoned,” meaning the buyer has made payments for at least two months. This shows that the buyer is happy with the purchase.

• The note should have a minimum face value of $15,000.00.

Structuring the Sale

There are a number of ways to structure the sale of your business note. You can sell the entire note, or only part of it. The most common way to sell a note is through a “partial purchase,” which involves selling only a certain number of the remaining payments on your note.

Note buyers can purchase any number of the remaining payments in a variety of ways. For example, let’s say you have a note with a balance of $80,000 payable in 240 monthly installments. If you need just $20,000 now, for whatever reason, the note buyer would calculate how many payments would need to be purchased to provide you with that specific amount of cash. Exactly which payments would be purchased would depend on your personal financial situation. You could sell:

• A certain number of the beginning payments on the note. (The note buyer might purchase the first 60 payments, and then you would receive the final 180 payments.)

• A certain number of the final payments on the note. (The buyer could purchase the final 180 payments, passing the first 60 payments through to you.)

• A certain percentage of each of the remaining 240 payments on the note. Perhaps 50 percent of each of the 240 installment payments could be purchased. (You would receive one half of each of the 240 payments.)

So which option in the above example would be best for you? It would depend on your current financial needs and future concerns. All of the alternatives would provide you with an immediate $20,000 cash payment. However, you might choose the first option if you need $20,000 today and require a future monthly cash flow beginning in five years. You might choose the second scenario if you needed $20,000 now and a monthly payment for the next five years until you start receiving your retirement benefits. Or you might choose the third option if you need $20,000 today and also want/need the monthly 50 percent payment for the next 20 years.

The Purchase Process

To purchase a business note, buyers will need to take an assignment of the security instrument (UCC-1 Financing Statement) and receive an endorsement of the promissory note.) But before getting to that stage, they will do the necessary due diligence and closely examine all aspects of the sales transaction of your business. The note buyers will handle all the paperwork for the purchase, from verifying all aspects of the deal and preparing/having recorded all of the necessary documents to make the change.

The note purchasing process takes an average four weeks to complete. If the sale of your business and the creation of the note was “typical,” then you should have your money within four weeks.

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Fall In Love With Your Business Again

Wednesday, June 24th, 2009 at 4:06 pm  
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Why did you start your business? Most business owners start their businesses because they desire personal freedom. They want to be their own boss. They have a great idea that they want to try. They are in love with all of these ideas. When you started your business, I bet you were full of passion and excitement. It was like the first days of a new romance. All you could think about or talk about was your business. What an exciting time.

Today, on Valentine’s Day, I’d like to ask you to fall in love again. In the time since you started your business, you’ve been through a lot. You’ve worked hard. You’ve had some rewards. Your love of the business has ebbed and flowed. Ask yourself now, are you in love with your business still or has it just turned into a partner, a faithful companion?

If you answered the latter, I have some suggestions for you to rekindle the flame. Some of these are right out of a marriage counselor’s book.

1. Take some time away. Absence does make the heart grow fonder. Take a little time off and reconnect with the reasons that you started your business. Reconnect with the excitement you had at the start. Relive the dream. Really let yourself feel what you felt at the start.

2. Ask yourself what you really love about your business. Some of the work you love, some of it is just plain old work. Focus on what you enjoy. Appreciate what’s working. Develop systems to make the hard work easier. Delegate the work you don’t enjoy. Get outside help. Do what you love and give the rest away.

3. Make a plan. Make a plan to get yourself out of overwhelm and back doing the work that you really enjoy. Put it in writing. Dust off your business plan. Read the first page where you wrote all the exciting stuff about what a great business you have. Having a written plan eases stress and gets you back in charge. You’ll feel powerful with a plan.

4. Share your excitement. With your new plan and your renewed vision get out there and tell people about it. Just like after your first dates when that’s all you’d talk about, share your enthusiasm. Share the feelings of freedom you enjoy. Being in love is contagious and you’ll be amazed at the difference this makes in your business and your life.

When you started your business, I bet you were full of passion and excitement. It was like the first days of a new romance. All you could think about or talk about was your business. Having a written plan eases stress and gets you back in charge. You’ll feel powerful with a plan.

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How Long Before You Make Money?

Thursday, June 18th, 2009 at 9:15 am  
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With the exception of some not for profit organizations most people go into business in order to produce revenue (income) and profit. Unfortunately, when it comes to a home business, and especially network marketing, many people forget this important point.

In a traditional business, whether a Ma and Pa shop, or a large franchise store like McDonald’s, business owners know to watch their numbers. A business must make a profit in order to survive and, if it doesn’t, adjustments must be made accordingly.

One of the reasons for the high failure rate in small businesses, home businesses, and MLM (network marketing), is because due to the low entry costs and requirements people often don’t treat them like, “real businesses.”

Two things commonly happen:

1) Many people have the attitude that since they didn’t have to invest much to begin with they really don’t have to be too concerned about whether they make money or not, or how soon. Of course, that often ends up being a self-fulfilling prophecy. It’s not just that way with a business, but with many things in life. If you come to own something that cost a great deal or required a lot of effort to acquire you tend to appreciate it more than something of lesser perceived value.

When you consider that network marketing has made some people just as much if not more money than many other traditional kinds of businesses, with incomes of as much as $1 million a month or more being achieved, treating a MLM as if it isn’t a serious or real business is a huge mistake!

2) Because the entry cost can be so low people overlook the cost of not making money, and also have a tendency not to pay attention to how much their other expenses associated with their business (such as trips, conventions, and/or buying extra products or services over and above what you really need) add up over time.

For example, let’s say that you spend $500 to sign up for a new business. Not a lot of money at all, maybe the price of a cup of coffee a day and some change.

Weeks go by, and then months, maybe even years, and you still aren’t making any money. Perhaps you don’t think much of it because, you think to yourself, “I only spent $500 to get started in this business anyway.”

But what are the true cost? Let’s say that in addition to your startup cost you have also been spending $150 each and every month on buying your company’s products and services. (Perfectly ok if you enjoy and use all of the products you buy; not ok if you are buying more than you need simply to qualify for a certain level with your company!) And let’s also assume that you are spending $50 a month on meetings, conventions, or seminars (many people spend much more).

So, even though you really haven’t paid much attention because you only invested $500 to begin with, if your business hasn’t yet started making you money then you are really spending AND LOSING $2,400 a year, in this hypothetical example. And, here again, in reality many people often end up spending much, much more.

Going back to the example at the beginning of this article about a traditional business, like a McDonald’s. Those kinds of businesses often have much higher costs associated with them, such as a store lease or mortgage, equipment leases, payroll, etc. It isn’t uncommon for a traditional business to have to operate for months or years before making a profit.

In contrast — though networking marketing is NOT designed necessarily to make you a very large amount of money overnight — you can and should be able to generate an ever increasing residual income for yourself over time, and starting in relatively short order.

Everyone approaches a new home business differently. Some people prefer to roll their sleeves up and dig right in, expecting to start making money almost immediately. While others prefer to first spend time learning more about their new business, and/or obtaining any available training. So it’s acceptable, if you choose, to take a few weeks or even a month to “prepare” for your new business. However, especially if it is your goal to start making money right away, it is entirely realistic with most networking businesses to start earning viable amounts of money within as little as 30 days.

Certainly within 90 days you will want to start seeing some kind of payoff in return for your efforts. And no more than 6 months should go by without positively starting to see income coming in. In fact, ideally, you should try whenever possible to not only earn enough money to cover your original startup costs, but you absolutely should be making a profit (in other words, extra money) within this time.

If after 30 to 90 days, 6 months maximum, you are not making a profit, you should seriously reevaluate!

To summarize:

1) Always remember to track ALL of your directly related business expenses, including how much you spend on leads, products and services, meetings, trips and conventions, training, etc. You must add these expenses to your original startup costs.

2) Subtract how much money you’ve earned from the number above (your total expenses) and this will tell you how much money you’ve made (profit), or how much money you’ve lost and/or are losing.

3) To repeat: If after 30 to 90 days, 6 months maximum, you are not making a profit, you should seriously reevaluate!

Don’t continue down the same path if you are only spending more money than you are making, and not making any profit in return.

Remember, except for a not for profit endeavor, the purpose of being in business is to make money. And in order to make money you have to actually make more money than you spend.

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Great Website For Your Business

Friday, June 12th, 2009 at 6:15 pm  
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The Internet is not only a great place to do business but it’s also an excellent source for learning. There is a ton of great information available, most of it for free of charge. You don’t have to get a college degree in e-commerce or learn about online technology. Even if you don’t plan on building and maintaining your web site you can still benefit from learning about technology.

Let’s say you want to higher a web design firm. Wouldn’t you feel more comfortable about talking to the web design company if you already knew a little bit about what it takes to build a website. You could read articles about web design, or you could visit blogs, or you could frequent online forums.

Talk to other business owners about their experience in hiring web design companies. Ask them if they have any advice. You may be surprised about how much you can learn from other business owners, especially if they have been through similar experience. Don’t be intimidated about technology. The people working with technology are not geniuses. They all had to start from scratch and most of them will be glad to help you.

There are millions of different business websites. Some web sites are simple while others are complicated, some are popular some are abandoned. Regardless of what your website looks like your visitors will expect certain components. First impressions are no less significant online as they are in our off-line existence. Therefore, you have to work hard to make sure that your visitors will find what they expect.

For example, if a visitor finds your websites searching for San Diego accountants, your web site better have something to do with accounting in the San Diego area. That message has to be loud and clear on your homepage. When a visitor lands on your homepage she should have no trouble determining what you do in a matter of seconds. Yes, you only have a few seconds to convince the visitor that your website is what she is looking for.

The Internet is a fast moving environment. So you have to make sure that your website loads quickly. Visitors will not waste their time waiting while all the pieces of your slow moving website becomes visible. If your website doesn’t completely show in a few seconds you have work to do. You can reduce the size of your images, or find a hosting company that provides faster service. Installing a fancy video about your latest products would spice up your site but it may slow it down so much that you could end up losing many of your visitors. Remember visitors are more likely to help you succeed online than clever design.

Written by Ricco Richardson
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