A life insurance policy can be defined as a legal agreement or contract between two parties, namely the insurance company and the individual or the policy holder. Such policies spell out a lot of aspects like the duties of the policy holder, his/her rights, the premium payable by the policy holder every month or year, the benefits or coverage that the policy holder is entitled to and lastly, the circumstances under which the benefits can be obtained or paid.

Life insurance policies can be obtained in a lot of different ways, one can purchase them via mail order, brokers, agents or online via insurance websites. When it comes to purchasing life insurance policies, it would be necessary to find out what one gets by going for such a policy. Now, the coverage of such policies depends upon the circumstances of the policy holder, his/her age, the number of beneficiaries and other factors.

When you go for a life insurance policy you can basically get two types of cover: cash value and term value. In case of cash value policy, the policy holder has to pay a high amount of premium during the initial stage and a part of that would be used for setting up an account under the name of the holder. The policy holder can then gain access to that money either for increasing his/her income after retirement, for paying overdue premiums or for applying for a loan.

In case of term value policy, the coverage is provided for a fixed amount of time, which can be one year or more than one year. This kind of insurance policy requires the holder to pay more premium as he/she gets older with age because the chances of dying gets higher as one grow old. In case of the death of the life insurance policy holder, the beneficiary or beneficiaries stated in the policy can make a claim for the money after notifying the insurance company about the policy holder’s death and requesting a claim form.

In recent years millions of customers in the UK were mis-sold Payment Protection Insurance (PPI) policies on their mortgages, credit cards and personal loans. The PPI policies were designed to ensure loan premiums would be met even if the borrower fell on hard times and was temporarily unable to make payments. However some banks engaged in dodgy practices like adding the policies to the bill without telling the customer or demanding it be paid in cases where the PPI policy was neither required nor needed. Other policies were sold with fine print that made it difficult or impossible to collect benefits.

The PPI policies involved are believed to be worth £17bn with over 12 million customers deserving of refunds. That translates to a lot of money, with the refunds averaging up to 3K, although only the use of a PPI Calculator can accurately estimate specific refund amounts. The process of reclaiming the improper payments can be complicated, which is why the use of a professional PPI Calculator is probably the fastest and easiest route to claiming your refund.

Calculate Your PPI Refund Here

The probability of a customer collecting a refund is quite high. Whatever amount the PPI Calculator estimates the refund to be is likely to be close to what the customer actually receives, as nine out of ten requests for refunds are predicted to be upheld. Most who are eligible have not yet had a PPI Calculator estimate the refund due them, and the total number remaining of those who still need their refunds determined by a PPI Calculator is likely to be much larger than the compensations already paid so far.

So far banks in England have refunded more than £2bn to customers who were victims of PPI scams, but that may represent as little as a third of the refunds still to be paid. If you suspect that you have been the victim of PPI policy abuse then you should contact a reputable PPI Calculator today who can determine the size of your refund plus interest and get it to you as quickly as possible.

In my 25 + years working with professionals in Business Development, universally I’ve discovered that they have learned to think like entrepreneurs. This is what has allowed them to rise to the top of their profession. Each would tell you that along the way they have learned how to think differently.

True entrepreneurs struggle with their business opportunities for a variety of reasons. Among the most obvious are a lack of capital, lack of understanding about marketing, and personnel issues. However, from my own entrepreneurial experience and knowledge of others, there are three major reasons individuals fail in entrepreneurial ventures.

They tie the success of their business with their own self worth.
They neglect to set realistic goals and plans for themselves and their business.
They are not prepared to pay the price of success.

True entrepreneurs with the right thinking prevail over a period of time. They have learned to understand the axiom Roles, Goals, and Tolls.
เว็บสล็อตตรงไม่ผ่านเอเย่นต์ ที่เราแนะนำ

Roles
Successful entrepreneurs, in contrast to those who struggle, have learned to separate their roles in life from their self worth or self-identity. They understand that role performance or failure with their own venture is not a judgment of them as an individual. People who tend to equate their self-worth to their composite role identity are inherently risk-adverse and look to maintain the status quo. Being able to differentiate these two identities allows them to be risk prone vs. risk adverse, a key ingredient to success as an entrepreneur. Individuals who have risked failure, experienced it, and learned from it, have not only learned how to differentiate their role identity from their self-identity, they have learned the lessons of risking and failing. They understand that early failure in ventures is a natural part of successful startups. They are able to embrace those experiences, learn from them quickly and move on. This is critical to success as an entrepreneur. They must be willing to face and deal with early failures in order to prevail over time.

Goals
Even though much is said and written about goals and plans being necessary for success as an entrepreneur, few people learn the mechanics of successful goal setting and planning. Its not the plan but the planning that is important, and the goal setting process allows them to develop the confidence to take risks and fail. Successful entrepreneurs are not only goal driven and goal oriented; they have learned to execute the process of strategic and tactical goal setting and planning. Visualizing goals, writing them down and putting together a detailed plan for achievement provides the confidence and motivation to prevail. More than just business or operational plans, they have goals and plans for all the important roles in their life. They have learned early that if they arent working their own plan they are probably part of someone elses goals or plans. They chart their own destiny, embrace risk-taking leadership positions, make adjustments as required and prevail over a course of time.

Tolls
Finally, entrepreneurs understand that there is a toll to pay. To be successful in any role in life you must be prepared to pay full price one time. There are really no overnight successes as an entrepreneur. In fact, Ive heard it said that overnight success generally takes 15-20 years. One of the early tolls that entrepreneurs are quite often forced to face is the re-making of themselves that can include growing beyond their current circle of contacts. Since most people tend to stay within their own psychological comfort zone, they begin to lose identity with the risk taker. They are comfortable with the type of person who is more like them. Quite often the entrepreneur moves on to a different circle of associates who understand the journey. Stepping out, being your own person and venturing into the risk prone unknown is lonely by itself. Consequently, there can be a newfound stress in old relationships. Its been said before that pioneers get shot in the front and the back, and only through a process of differentiating role performance from self-worth, being risk prone, prevailing through adversity, sticking to your goals, and adjusting your plans will you be prepared to pay the daily toll.

An entrepreneur has much to learn in order to be successful, including the day-to-day mechanics of running a business, producing products, delivering services, making money and dealing with people. The biggest challenge of all is developing an understanding of themselves. They come to grips with what they want and what motivates them; this sustains their willingness to prevail over the long term against adversity. Successful entrepreneurs have learned to transform their thinking, allowing them to prevail where others fail along the way.

Bill Scheessele is the President, Founder and CEO of Mastering Business Development, Inc., a 25-year Business Development consulting and training company. MBDi consults with firms in the energy, nuclear, engineering, pharmaceutical, IT, and other highly technical service industries helping them build proactive Business Development teams. He can be reached at or .

A web site is a crucial ingredient of your marketing strategy because it can widen your target market to include anyone who has access to a computer and the internet. Almost 60% of Canadians had access to the internet at home in 2003, and around 8 million had regular access to the internet from somewhere, either at home, at work or at school.

And thats just in Canada. Ecommerce sales from Canada were 7.2 billion, and we only captured 4% of the global ecommerce market! So, how can you reach some of those internet surfers, and how can you capture some of that 7.2 billion spent in ecommerce?

First, you build it
The first step is designing your website. If your company already has business cards and letterhead, its best to design your website around them. A matching corporate identity and website helps with branding.

I like uncomplicated websites, with a simple layout and easy navigation. A nice, simple layout, with good graphics, balanced look and good color combinations is my #1 goal when designing a small business web site. Remember to use graphics sparingly and to optimize them for your website because internet surfers are impatient. If your page loads too slowly, theyll leave.

Navigation should be easy to find and to use, and it should be consistent from page to page. Ive left more than one site frustrated because I couldnt easily find their navigation.

Small business web sites arent static. They evolve. You need to start somewhere, and starting with an introductory web site is probably easiest. All you really need to start is five pages. You can always add pages later. The important thing is to just do ittake the plunge and get it out there.

Your five pages could include an index, or home page, about us, services, contact and a sitemap. The index page is your landing page. Typically its design is a little more detailed than the others, but it doesnt have to be that way.

I like to use CSS (cascading style sheets) for designing because its simply easier to build a web site and to edit its layout with CSS rather than just HTML (hypertext markup language) alone. A change on a CSS sheet changes all the pages on your site at once.

Content is king
Once your site is designed, youll want to start thinking about content. Design is very important, but it does little good to have a beautiful site without high-quality content.

Your small business home page introduces you and your companywho you are and what you do. The about us page is usually used to give more detail than the home page about who you are, and your services page gives more detail about what you do. You might wonder why youd waste a page on a sitemap since you only have 5 pages, but sitemaps help search engines find all the pages in your site.

As far as content goes, more is better, up to a point. Your pages should be content rich and informative, but they also need to be relevant to your small business. If your visitor cant figure out what your web site is about in just a few seconds, they may leave.

The internet was at first strictly informational, and thats how it remains today. Several times people have tried experiments using copywriting similar to direct mail sales letters, but theyve all failed. It seems as if people surf the internet more for information than anything else. Knowing this will help you write pages people will want to read.

Attracting visitors
You could follow your instinct and just start writing, but wait. Theres research you must do first, or your web site simply wont be high enough in searches to be found. Search engine optimization is far too big a subject to cover in this short article, but among other things, search engines find your pages based on keywords.

So, pretend for a moment that youre on the other side of the desk. If you were a customer of your own business, what words or phrases would you use to search for your product or service? Ask friends and neighbors how theyd search for your product or services.

When youve come up with a few, check them out on a keyword suggestions tool. You can also use that tool to suggest similar words and phrases. Then find out how many results there would be if you searched for that term. What you want to do next is narrow down your choices to the words or phrases that are searched for the most, but have the fewest results.

Remember that people generally dont look beyond the first three pages for any search term, so if youre not in the top three pages, your business is not likely to be found at all. If there are millions of results for your phrase, you might simply need to make it more specific.

For example, lets say you have a small business consulting company that specializes in communication for small business. Using communication as a search term is nearly pointless because there are almost 2 billion results for that word. But, there are only 974 results for small business communication.

Much better, but how often is that searched for? According to WordTracker, its searched for 10 times a day. Not bad, but I think we can do better. How about small business consulting? Thats searched for 261 times a day, and there are 373,000 results. That could be the best primary phrase for a small business communication consulting company.

What you want to do, is write your content around those words and phrases. You dont want or need very manythree or four are plenty.

Getting them to come back again and again
Getting visitors to come back to your site again and again is relatively simple. Keep your content fresh and lively, make sure its informative, and add to it often.

I hope you decide your small business needs a web site. Its the best way I know how to reach a wider target audience with a relatively small investment.

You may have spent quite a bit of time designing your web site and writing the copy for it, or you may have spent quite a bit of money and had it all done by a professional designer and copywriter.

But there are about 4 billion websites on the internet. Thats a lot of competition for your site, so how do you get people to actually read your copy? There have been several interesting studies about website reading patterns and usability. Theyre referenced at the bottom of this article.

Website users generally leave a site that takes longer than 7 seconds to load, and the average visit length is just over 1 minute. So assuming your site loads in less than 7 seconds, you have on average, one minute to convince your visitor to stay. And how do you get them to stay? The answer is simple: content, content, content.

But it takes an average of 5 to 7 visits in order to get people to buy your product or service, so how do you get them to come back? By changing your content on a regular basis. Delete text, add text. Add whole pages from time to time, and consider splitting long pages into two.

According to research, content in and of itself is not enough. There are several factors to consider when building a superior web site. Several studies tell us how to improve any web site.

How Viewers Read Web Sites
Would it surprise you to know that most web site users wont really read your web site? Thats what Jakob Nielsen and John Morkes found in a 1997 study. What they found is that 79% will scan your web site, and only 16% read it word for word. Their recommendations are to use scannable text by using:

Highlighted words
Meaningful sub-headings
Bulleted lists
One idea per paragraph
Inverted pyramid style
Half the word count of conventional writing

Lets look at what the W3school says too. Their article Web Site Design confirms that users scan rather than read, leaving in a few seconds if they dont feel theyve found what theyre looking for. The W3school suggests using short sentences and paragraphs, and breaking up excess information into different pages.

Lets talk for a moment about the inverted pyramid style because thats probably the only term you may not have heard before. Remember the papers you used to have to write in high school or for university?

Typical they start with an introduction, then move to background information and discussion, then to findings and finally to a conclusion and recommendations. All that means you have to read a lot of information before you reach a conclusion and recommendations

What Nielsen and Morkes are suggesting is to invert the pyramid.

You could write your web site as a variation of the inverted pyramid by writing a summary first, and adding detail after the summary. Most people dont scroll, but writing your web site inverted pyramid style just might convince them to.

How Writing Style Affects Readability
Nielsen and Morkes measured the effect of different styles of writing on five versions of the same website. A site with promotional copywriting was the control version, and each of the other four sites used one of the following versions and had the following improvement in per cent according to their test readers:

Concise version with about half the word count as the control: 58%
Scannable layout with the same text as the control but easily scanned: 47%
Objective language using neutral rather than subjective, boastful or exaggerated language: 27%
Combined version using all three: 124%

Tracking Their Eye Movements
In 2003 and 2004 Eyetrack completed a study called Eyetrack III. Their study was for news-type sites, but what they found will also help us structure our small business web site. The study found their users followed our left-to-right Western Culture, first noticing the top left of the page, hover there for a bit, and then moving downward in a z-like pattern to examine the rest of the page, and finally moving back up the page to the upper right.

The study found that the eye pauses and reads the first few words of a dominant headline first, especially when that headline is in the upper left and sometimes the upper right. Readers will usually stop reading at five headlines regardless of the number used, but an unusual keyword will often get people to pause. Curiously, they also found that smaller type encourages reading while larger type encourages scanning.

Are You Credible?
Nielsen and Morkes found that web site users look for credibility in various ways, and suggest credibility is increased by high-quality graphics, good writing and using outbound links.

The internet was originally intended for information, and it remains that way to this day. Over the years, several people have tried experimenting with website copywriting. What they consistently found was that users did not want to see hard sell types of copywriting.

Nielsen and Morkes confirmed that theory in their article as well. They found that web site users want to get straight facts and that credibility suffers when users feel claims are exaggerated.
An interesting study on web site credibility is How Do People Evaluate a Web Site’s Credibility? by B.J. Fogg Ph.D, Cathy Soohoo, David Danielson for Consumer Webwatch.. They studied 10 sites in each of 10 categories, with almost 2700 participants evaluating the websites.
They showed the results of 18 comments on credibility. These are the top 10:

Design look: 46.1%
Information designstructureorganization and ease of navigation: 28.5%
Information focusbreadth and depth: 25.1%
Company motiveadmirable motive vs strictly commercial: 15.5%
Information usefulness: 14.8%
Information accuracy: 14.3%
Name recognition and reputation: 14.1%
Advertisingdislike of pop ups, positive use of advertising: 13.8%
Information biascommented on positively and negatively: 11.6%
Writing tonestraightforward friendly tone boosts credibility: 9%

What Does All This Mean for You?
Content may be king, but design has a strong influence on credibility. Your design should be professional, organized, consistent, and easy to navigate. Pages should load within seven seconds or you might lose visitors, so use a small number of quality, optimized graphics, and keep your page content down to two, or at the most three MS Word pages.

Your readers eye first stops at the top left quadrant, so thats a good spot for your logo and company name.

And, a headline in the top left quadrant is very important to keeping your reader on your page for longer than a minute, so consider a headline just under your logo. Consider that the first three words of your opening headline are the most important, and straightforward headlines are better than cute, ambiguous ones.

As to the content itself, are you really a good writer? If youre not, you might want to hire a professional to write your web pages for you. If you are, use a concise, scannable, and objective writing style to maximize your web site readability. Aim for a straightforward and friendly tone and write useful, accurate information with both breadth and depth.

When youre finished, put it aside for a day or two, and then edit what you wrote. Dot all the is and cross all those ts. Check spelling and punctuation. And then take another good look at what youve written and remove any hard sell. It has its uses, but it just doesnt seem to work on the net.

Works cited in this article:

How Users Read on the Web by Jakob Nielsen and John Morkes, 1997, http:www.useit.comalertbox9719a.html

The Best of Eyetrack III: What We Saw When We Looked Through Their Eyes Steve Outing and Laura Ruel, 2003 and 2004 http:poynterextra.orgeyetrack2004main.htm

How Do People Evaluate a Web Site’s Credibility? by B.J. Fogg Ph.D, Cathy Soohoo, David Danielson for Consumer Webwatch. http:www.consumerwebwatch.orgdynamicweb-credibility-reports-evaluate-abstract.cfm

Web Site Design W3Schools http:www.w3schools.comsitesite_design.asp

If you run a small business, advertising costs must be figured in as part of your overall expenses. If you have received quotes for phone directory ads, business association block ads, and mostly any other print media, these costs are quite high. So, what if your budget is small, perhaps negligible? Will you be left outside of the advertising arena or are there other avenues to help you get the word out? The answer in one word is: yes. Lets explore ways you can get the word out through online meansyes, via the internet!

The rise of the internet has spawned an entire industry with it. You may remember in the late 1990s stories of dot.com companies who made a fortune and then went bust. The irrational exuberance of that era has, thankfully, passed by and in its place is a much more rational, but very lively market.

Todays biggest players online are search engine providers led by Google, Yahoo!, and MSN. Between them, these three search engines dominate the market. Mostly everyone today searches the internet for products sold by small businesses to large corporations and these are the people you want to target. Indeed, while Christmas season sales typically increase around 4% year over year for brick and mortar retailers, the internet has been seeing year over year increases of 30% and higher! No small business operator should exclude the internet when crafting a marketing plan.

Speaking of the search engines, both Google and Yahoo! have their own advertising networks. Google has its AdWords program while the Yahoo! Publisher Network is a comparable, though newer program. This is where you, as a small business owner, can do some of your advertising. By selecting the advertising plan that works for you, you can have your ads appear on web sites in your local area or across the world and be charged a small amount per click. In other words, you dont pay for advertising unless someone clicks on your ad and goes through to your site. To keep clicks from getting out of control you determine the price per click and the amount per day, week, or month you are willing to pay. No busting of your small business budget!

Banner or text ads on select sites can also be helpful for your small business. If there is a web site you like and you suspect that a lot of your customers would frequent that site, contact the webmaster to learn what his advertising charges would be. Perhaps in exchange for submitting a few helpful articles, the webmaster would waive your advertising fee altogether. Or, at the very least, accept any other help you could provide [moderating a forum, answering questions, etc.].

Another way of getting the word out is through your own web site. No, you dont need a web professional to establish your site, but it does help to have someone who can guide you through the set up process. At the very least a few pages is what you will need, so set up costs shouldnt be terribly expensive. In addition, figure on paying monthly hosting and domain name fees but these expenses should be no more than 100-125 per year. Pay a little extra for a web professional who can help you optimize your site [make it search engine friendly] and youll get your money back much quicker. Finally, check with your accountant for small business tax deductions.

You can also generate plenty of attention by writing articles, just like the one you are reading now. No, you dont need to be a professional writer, but if you can clearly convey your thoughts and present a plan of action for your readers [such as: buy my product] you can get what amounts to be free advertising. How so? By submitting what you write to article submission sites for wider dissemination. By including helpful links in the author resource box you can cause search engines to make your web site much more visible as your article gets reprinted on other web sites. Furthermore, readers will perceive that you are an expert and will likely inquire to find out just what you are all about. You can call this, small business advertising on the cheap!

No, as a small business owner you dont have to be strapped by high advertising costs — who has the cash to spare? Instead, the internet offers to you several cost effective ways of informing people about who you are, what you do, and where they can find you.

Select the marketing plan that works best for your small business. A mixture of all four points is a great plan of attack for many small business ownersjust like you!

I recently updated the phone system for my business. We’re a small company with just a handful of employees in an office about the size of a two car garage. We do a lot of business over the phone and although we could handle the call volume with our old system, I still felt (and was informed many times) that it was antiquated and hard to use. I knew it needed to be brought up to speed so I consulted my employees and asked them to list the features that they felt would improve productivity and make their jobs easier. I then looked for phones and equipment that would meet our needs. I was somewhat in shock over the price of a new phone system.

I didn’t realize it could cost so much. Disheartened but not defeated, I kept searching until I found a vendor who offered the phone system we were looking for at a great price. It was substantially cheaper than the next closest competitor, which made me look a little closer. As it turns out, these phones were used. They weren’t refurbished phones, and came with the same warranty as a new phone, but there was something in my psyche that turned me away from the idea of buying used electronics. Still, money is money and if they were going to give me the same warranty as a new phone system had, what did I have to lose. After talking to the vendor and voicing my concerns, I purchased nine phones and the line equipment we needed for a lot less than what it would have been brand new.

The new system has been in place for several months now and everyone is quite happy with the improvement. The phones are reliable and we have never had a problem with them. If you decide at some point to update your business phone system but don’t think you can afford what you really need, look into buying used phones. You can save quite a bit of money and, as I’ve found out, they are a product that holds up well to daily use. I’m afraid that if I hadn’t stumbled onto them in my search for the best deal, I might have never found the system I have now, and never even considered purchasing used equipment. If you find a reputable company to deal with that will back up their products, new or used, you can make a little money go a long way.

I recently updated the phone system for my business. We’re a small company with just a handful of employees in an office about the size of a two car garage. We do a lot of business over the phone and although we could handle the call volume with our old system, I still felt (and was informed many times) that it was antiquated and hard to use. I knew it needed to be brought up to speed so I consulted my employees and asked them to list the features that they felt would improve productivity and make their jobs easier. I then looked for phones and equipment that would meet our needs. I was somewhat in shock over the price of a new phone system.

I didn’t realize it could cost so much. Disheartened but not defeated, I kept searching until I found a vendor who offered the phone system we were looking for at a great price. It was substantially cheaper than the next closest competitor, which made me look a little closer. As it turns out, these phones were used. They weren’t refurbished phones, and came with the same warranty as a new phone, but there was something in my psyche that turned me away from the idea of buying used electronics. Still, money is money and if they were going to give me the same warranty as a new phone system had, what did I have to lose. After talking to the vendor and voicing my concerns, I purchased nine phones and the line equipment we needed for a lot less than what it would have been brand new.

The new system has been in place for several months now and everyone is quite happy with the improvement. The phones are reliable and we have never had a problem with them. If you decide at some point to update your business phone system but don’t think you can afford what you really need, look into buying used phones. You can save quite a bit of money and, as I’ve found out, they are a product that holds up well to daily use. I’m afraid that if I hadn’t stumbled onto them in my search for the best deal, I might have never found the system I have now, and never even considered purchasing used equipment. If you find a reputable company to deal with that will back up their products, new or used, you can make a little money go a long way.

When you are running a small business, you should be prepared for various kinds of obstacles. Employees are a major part of the obstacles that you face in a small business. Some of the employee issues that you might face in a small business are described briefly below.

Work Over Load:

Some employees have problems when it comes to work load responsibility. These employees may be those that simply do not want to do more than they are supposed to do within the stipulated daily work time. However, as an employer you would need to ass whether this is a real condition or if the employee has genuine problems handling a particular work load. Employees that are overloaded feel that they are either not getting paid enough for their work or that they simply can not handle all the work that they are given even if they were to get an increase in salary.

In cases of overload, where an employee feels that she has been working more than the compensation offered overtime payment may arise. As an employer you may want to pay your employee extra to make sure that she continues to perform well. Sometimes it is just the matter of being paid more that helps an employee work more and take on a greater load. Remember, more money can do wonders. Naturally, employees that put in greater efforts and a greater number of work hours also need to be compensated. So, you justifiably need to pay an employee extra if she is willing to work on assignments that take more than the stipulated work-time.

My biggest problem in becoming self-employed was me.

In order to BE a self-employed person I had to start thinking like one. I found myself reverting to that nine-to-five mentality. If I wasnt accomplishing a task every hour, then I must not really be working.

Sometimes a self-employed person has to make decisions about her business. Sometimes she is just thinking about a solution to a problem. Sometimes she just has to quiet her mind so new ideas can come. Just because youre not pounding away at the typewriter every minute doesnt mean youre not working.

Ive also learned that its okay NOT to answer the phone every time it rings. Thats what voicemail is for, and the same goes for email. At my nine-to-five job I would leave the email program open all day and answer each one as it arrived. It took me a while to realize its okay to only check email several times a day instead of constantly being interrupted. Its actually more productive than having to stop your thought process every time you have mail. At my other job, I was able to let a phone call roll over into voice mail, but it took me a while to be able to shut down the email too.

Youre going to have days where you feel you didnt accomplish much. Then again, youll have days where youll feel you can conquer the world and youll be amazed at how much you got done. Some days you may not finish many tasks, but youll make a decision on a problem that needed to be addressed. Or, you will have learned a valuable lesson about yourself.

And, I had to learn to stop breaking down all my tasks into pounds and cents. I tended to worry about how much I was or was not earning every day. The truth is, some days youre going to make more than other days. If I spent my day on marketing issues, even though I didnt earn any money from it that day, I would benefit from it some time in the future.

Rather than worry about what benefits I do or dont have, I realized the benefit I have in my business is that I answer only to me. Everything I do will benefit me sooner or later. Instead of my income being dependent on somebody elses budget, I can go as far as I dream.

And because Im now doing what I truly love and not what someone else tells me to, Im much happier and more content. I learned if you start THINKING like an entrepreneur, then youll actually be one.