Thursday, April 30, 2015

Blogtalk Radio Interviews on Small Business Funding
Getting Social with Miriam Blogtalk radio program site

Recently, I was a guest on Getting Social with Miriam, a BlogTalk radio program that focuses on empowering entrepreneurs with the proper use of social media. The show is hosted by Miriam Slozberg. I "spoke about how you, too, can generate the business financing you need to grow and achieve your business goals." According to Miriam, “This podcast was filled with great insight on funding your business!.” The replay of the radio interview is available at
Act Local Marketing for Small Business radio program
According to its website, "each week, ACT LOCAL Marketing for Small Business podcast guides small business entrepreneurs through building a bridge between traditional direct local marketing channels and the more complex world of digital marketing for small business. Listeners get a clear understanding of how to grow their existing business with social media, video, mobile technology and more, without breaking the bank." The host, Kalynn Amadio, interviewed me on small business funding. I provide a number of funding sources and insights into to how to access them, focusing often on funds for marketing purposes. You can now listen to this podcast interview at any time at .

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Monday, April 27, 2015

Seeking More Publicity?

Use PR to broadcast your message, increase credibility and attract more customers.
One way to generate more sales is to generate more PR - publicity or public relations opportunities. You can do this directly or hire a specialist to help you, or utilize a combination of the two. When most people think of publicity, they think of interviews by journalists in newspapers, blogs or magazines. However, think of the publicity tours that actors participate in when they are promoting a movie. You'll read interviews in magazines and see the actors on the morning and evening talk shows. You may also hear the actors on XM or Sirius radio stations. In addition, you may see conversations about the movie or actors on social media - Twitter, Facebook, Pinterest or Instagram.

Well, you can do the same. Admittedly, you may not be the same draw as an actor in a newly or soon-to-be released movie, but you have something that the public wants to hear. Traditionally, a PR rep will make pitches to journalists, news outlets, or other media sources to find an angle those entities are interested in that captures something about your business. However, if you are on a limited budget or want to gain some hands-on experience before outsourcing or hiring someone to perform this task, you can handle publicity yourself.

To minimize the time outlay, you can do one or all of the following:
  1. Publish press releases on a periodic basis (i.e., weekly, bi-weekly or monthly). Do not solely provide information. Instead, make the information you do provide sound interesting or engaging or link it to a currently trending topic. You can utilize paid press release submission services for the highest impact but many free services with decent impact exist.
    Help a Reporter Out Website Page
  2. Connect directly with journalists seeking information and sound bites to use in their articles. This way, you avoid the need to make pitches! Use PR Newswire (an excellent service, but hundreds of dollars in monthly costs) or HARO (Help a Reporter Out), a free service, to do this. HARO attracts journalists and bloggers at all levels so the readership level of the article the person is writing may vary widely. 
    Interview Guest Directory Web Page
  4. Connect with podcast, talk radio and blogtalk radio hosts for radio interviews. There are literally tens of thousands of talk radio formats and podcasts in the U.S. Therefore, it can be overwhelming to identify and reach out to all of them with unique pitches. Use a service such as Interview Guest Directory, which is a low cost service that provides radio interview hosts with a directory of potential guests for their programs.
Are you interested in more PR for your business, special project or other related endeavor? Try one or more of the three options above to generate that PR.

Do you have any other suggestions to generate PR? If so, please share them below!

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Wednesday, April 22, 2015

Be Fearless

I thought I'd share this photo and quote because embracing entrepreneurship can be fraught with fear. For those who were not raised in an entrepreneurial family or who did not have family friends who were entrepreneurs, ala "Rich Dad, Poor Dad", entrepreneurship or starting a business is often a choice borne out of frustration or a need. If you are one of these individuals, you are most likely used to receiving a steady paycheck on a weekly, bi-weekly, semi-monthly or monthly basis. Leaving that behind before your business is operating at full tilt can be very scary.

Embrace Your Fear

Embrace your fear. Don't run from it. Remember. Courage is not the absence of fear but the ability to act decisively and in your favor even in the face of fear. Many of your fears are unfounded worries. Why use your imagination to create myriad scenarios of you or your business failing? Why not, instead, use your imagination to create situations in which you are successful and in which your business overcomes any obstacle that comes its way?

Worried? Write It Down.

If you are worried, write down each of those worries. Writing them down helps you see how ridiculous many of your fears are. Those fears that are well-founded can be addressed. For example, to ensure you don't become destitute starting a business, you can work part-time while building your business or save a large cushion to use to support yourself if needed. If your fear is lack of business knowledge, you can start with a franchise instead of from scratch.

Whatever you do, be courageous. Confront your fears by planning where you can. For anything else, you'll just have to be fearless and jump!

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Thursday, April 16, 2015

What Is in Your Business Travel Bag?

What's in your business travel bag?
A recent journalist's query was, "What’s in your business bag?"

My cell phone is an absolute necessity. In addition to all the business uses for my iPhone, I use the alarm on my cell phone as my wake-up. I’ve had hotel clocks be set to pm when they should have been am, had the power go out for a moment while asleep, and had wake-up calls forgotten. But my phone alarm works every single time!

Shower Slippers

I also always bring shower slippers (aka flip flops). Most hotels are great and I don’t need them but it only takes one instance of subpar room or bathroom floors to know the value of flip flops. These also double as pool area shoes when I decide to use the pool, whirlpool or sauna.

My Suit

I always bring a non-iron suit. I’ve arrived late at night (2-3 am) for a 7 am meeting. Instead of ironing, I can just hang that suit in the bathroom while I shower and all the wrinkles disappear. This saves me 10-20 minutes.

What's in your business travel bag and why? Please share your thoughts and comments.
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Tuesday, April 14, 2015

Monetary and Non-Monetary Benefits of Entrepreneurship

A mound of cash representing the monetary benefits of entrepreneurship.
Being an entrepreneur has definite monetary benefits, but it has even more non-monetary benefits.

Monetary Benefits

According to the book, "The Millionaire Next Door", the majority of millionaires in the US are small business owners. This is not solely due to the funds made available through a small business. The ups and downs in a business requires you to manage your business income and cash - and you own income and cash flow - more closely. Therefore, the definite monetary benefits to owning a business stem from both the funds the company (or companies) generate and what you as the business owner do with those funds. For example, you may invest those funds in real estate, in stock investments, in bonds, to ensure you and your company have funds available during any down / slow periods. This is called responsible fiscal management!

Non-monetary Benefits

However, I think some of the greatest benefits are the non-monetary benefits. Although certain entrepreneurs may regularly pull all nighters and alienate their families on their quest for success, many do not. In addition, although more companies have begun providing flexible options, entrepreneurship is still the best way to design the life you want and live it.

Peace and love button shows benefits to entrepreneurs
Internal peace &love of what you do are two benefits of entrepreneurship.

More Non-monetary Benefits of Entrepreneurship

What are some more of those non-monetary benefits? Driving your own destiny without needing to worry about whether your boss or project manager looks good or whether you have sufficient visibility in other areas of the company to weather an attack by your boss. In other words, you don't have to deal with bureaucracy, internal politics, and brown nosing. If you bore easily, owning your own business stops that. You must attend to so many issues that it's difficult to get bored. If you do get bored, that simply means its time to sell that business and move on to another one, expand the business or diversify. In addition, as an entrepreneur, your time is your time - you can manage it and do with it as you want.

Appreciate and Attain

If you are on the business ownership journey and haven't yet reached your financial goals, appreciate and embrace all the other benefits you have. It'll make the financial goals seem more attainable and soon they will be.

To obtain significantly more details on the non-monetary benefits of entrepreneurship, read the article in its entirety: Why Being an Entrepreneur Can Rock Your World at

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Thursday, April 9, 2015

Two Small Business Bank Account Resources
Screen capture of What you need to know about a Business Bank Account?
According to Sheryl Nance-Nash, "Opening a bank account for your business is the first step in building and separating your business credit." The article goes on to say, "A separate account is critical. 'Creditors can levy personal bank accounts, but not a business bank account operating under a separate tax id, and vice versa. Having a business bank account is a component of asset protection,' explains Tiffany Wright, author of The Funding Is Out There! Access the Cash You Need to Impact Your Business." For more information regarding why you need a business bank account and what's involved in opening one, read What You Need to Know About a Business Bank Account in its entirety at
Screen capture of Comparison of Small Business Bank Accounts

"Small businesses have options when selecting a bank account for their company’s operations, including business checking, savings and money market accounts." This is according to an article published on AZ Central. Some of the considerations include the level of FDIC insurance provided vs. what is needed, checking vs. savings account options, whether you operate your business as a sole proprietor or organized/incorporated entity, and money market options.
For more information regarding your options for the type of  small business bank account you want,  read Comparison of Business Bank Accounts in its entirety at
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Monday, April 6, 2015

How do You Quickly Improve Your Financial Literacy?

Picture of financial literacy quote
This blog post is in response to a query I received from a journalist: What is the best way that individuals can improve their financial literacy? 
Following is my multi-tiered response: The best way for you (friends, family, or others) to improve your (their) financial literacy is to educate yourself (themselves).

Where do you find this education?

  • Conduct a search on Amazon on “financial management” or “personal financial management” and pick 10 books to read (or skim!). You can save money by checking with your local library for the physical or ebook versions of the book or you can purchase the Kindle ebook version on Amazon or the Nook ebook version from Barnes and Noble.
  • Take a continuing education course on “financial literacy” or “personal financial management” through your local college or university. These courses are often 1-3 evenings, 1.5 – 2 hours each time and provide much hands-on experience, such as actually walking through balancing checkbooks or reading credit card statements.
  • Sign up for an online or trial version of personal financial management software providers such as Quicken or These providers often offer tutorials that walk through each section of the software, explaining both that section’s importance and how the numbers are determined.
Books are a tried and true method to increasing financial literacy.

Why is financial literacy so important to a business owner? 

If you can't manage your own personal finances, you can't possibly expect to be able to manage your business' finances well. According to the website: "Personal financial literacy is more than just being able to balance a checkbook, compare prices or get a job. It also includes skills like long-term vision and planning for the future, and the discipline to use those skills every day."

For more information regarding the importance of financial literacy and how you can increase yours to impact your personal and business finances, visit the PBS site, Your Life. Your Money, at .
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