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business success

Small Business Startup Tips

You can obtain a small business by taking it over from a family member or purchasing an existing business, or by creating a first time startup business.
But, in order to be successful, you must have some beginning small business startup tips. 

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The first time startup business is one you startup completely from scratch, no clients, no office space, no employees, no funding. But, you have enough education and experience in the field that makes you feel as though you could pull off a successful business venture in the next 3-5 years.

It takes at least that much time for a small business to grow to a decent amount of profitability. I have compiled a list of small business tips for you to get started. 

With a brand new business, you are starting up everything for the first time in order for the business to get up and running. The totally new business is by far the most rewarding, but also the most risky of business ventures.

Women and Cars Go Together, Know How to Buy Right 

The failure rate of new start up business is very high, because most people don’t know the 500 small business startup tips you should know before starting.

They go into business with a hope and a prayer instead of;  1) Knowledge of the field, 2) Knowledge of running a business, including, city, state, and federal regulations, 3) Extensive experience working in the field 4)Business accounting principles 5) Plenty of money to last before you are profitable 6) Have the ability to deal only with facts 

If you are diligent and take things slowly it could work out. But you must be patient, and willing to work concentrated long hours to get started.

Home buying the right way take skill, also use small business startup tips

Also included in a new startup venture are these small business startup tips:

Obtaining A Mentor

1. Talk to many, many people who are already in the field to get the big picture. Ask them to be completely honest when they answer your questions. Tell them you need to know all of the good and bad about the business. If you don’t know anyone in the field you may not be ready

Get the Experience First

2. Preferably, you should have worked in the field for a few years to see if it is a viable business. Your experience in your chosen field should be deep and through, no guessing games.

The amount of time and money that goes into a small business is too demanding to be a guess game. If you fail the recovery could take years, if not decades. 

Research is Essential

3. Do research, lots of research about the field. Find out if regulatory agencies are getting a lot of complaints about the type of business you are considering.

There is research everywhere now. You can do small business research at the small business website or sba.gov. Go to your trade association or professional website. 

Money quotes by Lois Center- Shabazz and

Know Quality Financing

4. Be careful about financing, if you can’t get a bank loan for the business that may be a hint that you are high risk, and may have a high rate of failure. There are many predatory places of financing.

Most of these offer high-interest loans or balloon payment loans. It is best to wait until you raise your credit score, save substantial down payment, and have a high grasp of business techniques. 

Venture Capital Funding

5. Consider venture capital funding for the business. This is very difficult, but possible. You should have a mentor who can guide you through the process. There is a complicated web of business plans and contacts within the industry that you need to access.

Non-Profit Venture

6. Consider starting out as a non-profit venture and getting a grant to run your business. Be careful, you could be jailed if you can’t account for every single penny of the money within your business.

Running a non-profit also includes first getting a 5013C. Hiring a grant writer to write grants for your non-profit business is a good idea. Writing a grant takes skill and experience. 

Get All of the Right Business Ideas You Need to Succeed 

The Right Accountant

7. You must have a close relationship with a good CPA (Accountant), and a good bank, and a good business attorney. Your knowledge of small business accounting should be through, so you can choose a competant accountant. The wrong or missing accounting could damage your business for life. 

Understand Leases

8. You must understand the different types of business leases there are, and that you could loose all of your personal property (home etc.), if you default on a business lease. Research the types of leases, they are: 1) Net, 2) Net, Net, 3) Net, Net, Net.

Many people sign Net-Net-Net leases with a 5 or 10 year commitment without knowing what it means. Business leases is an area that causes many small businesses to fail, understanding a lease is complicated. 

Obtain a good real estate attorney to advise you on the different types of leases and negotiate one you can afford as a new business. You may consider starting with a month-to-month lease if you are using your own money, instead of bank financing, and you don’t have to do leasehold improvements.

Your Bank Loan Tied to Your Lease

If you have a 5 or 10 year loan, or if you expensive leasehold improvements and you are on a month to month rental. You could be asked to leave any time.

The best way to start a small business is from home if that is
possible. Running a business from home also posses many risk.

There are also leases on business equipment. These are especially tricky, no all the ins and outs before you consider one. 

I have signed two 5-year leases with a previous business I owned, I feel this makes me fairly competant to discuss business leases.

Don’t forget to sign up for your free eCourse on Money Tips 

Small business startup tips

5 Reasons Great Small Business Records are Essential

5 reasons great small business records are important

Small businesses are often times under staffed and the owners are over worked. But that is no excuse for maintaining poor small business records. Some small businesses don’t understand the “records” part of their business to the point where written records are almost non-existent.

Not keeping detailed small business records or no records at all can cause serious problems for your business and the agencies that regulate your business. For some, record keeping is just one of those task they don’t want to deal with, others complain they don’t have the time.

No matter what your reason for poor small business record keeping, the reasons for good records are immense; they range from not missing important tax deductions to preparing financial statements.

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Budgeting For Small Business Starts With an Affordable Car
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Here are 5 major reasons for keeping detailed small business records:

1. Maintain business ethics and stay honest with the IRS and other regulatory agencies, as well as your own peace of mind
2. Support items reported on tax returns
3. Monitor Your Small Business Progress for Profits
4. Understand Your Net Profit Subject to Tax
5. Prepare your financial statements

  • Maintain Business Ethics and Regulations

It depends on the industry your business is aligned with that determines which agencies regulate your business. But, no matter what agencies regulate your business, good records will keep you prepared if you are questioned. Honesty is an absolute must, to maintain the integrity or your business product and service, and keep your doors open. Staying honest will avoid having to worry about being caught for dishonesty later, effectively maintaining business peace of mind.

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Keep Small Business Debt Low and Start With an Affordable Home
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  • Identify Your Source of Receipts To Support IRS Deductions

When the IRS scrutinizes your business the first thing they want to see are authentic and honest receipts. Keep them to keep your business honest. All receipts must be original and not tampered with. Keep your receipts organized and safely stored. The last thing you want is for the IRS to be forced to guess your actual costs due to poor record keeping and no proof of costs. To facilitate your tax preparation and reporting, as well as your responses to potential IRS inquiries, it is beneficial to record and store your documentation of any transactions between related parties. An example of transactions between related parties, i.e., a corporation and its sole shareholder, may be subject to special scrutiny.

For great small business records you must know your finances like the back of your hand

  • Make a Profit and Monitor Your Small Business Progress

You need to know how much you are spending on your business to keep it running efficiently. Understand your break even point to arrive at a profit. For example: “How much do I need to spend to create and sell my product or service?” Always keep good records of all of the costs of taking your product or service to market. You can avoid having a business that loses money each time you sell a product or service without knowing it. A sure road to small business failure is not knowing the exact cost of every item of your business.

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Understand Investing, Budgeting, and Saving For Small Business
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  • Calculate Your Lowest Net Profit Subject to Tax

You cannot deduct expenses that you approximate or estimate. You must be able to prove (substantiate) your business expenses with timely and accurate records to support the amounts deducted to compute your net profit. Burden of proof is on you, if you are ever audited. The proof is in accurate and honest receipts, expenses and your
small business records

Borrow Money From a Banking Institution or Other Commercial Lender

Potential lenders are going to check your credit and analyze projections to repay a business loan. All business assets, sales and receipts will be verified. Business relationships are sometimes subjected to scrutiny. Keep personal finances separate from small business finances, to avoid confusing regulatory agencies and prompt an audit, or prevent your ability to get small business bank funding. Understand the difference between your business and personal affairs by maintaining seperate accounts for each.

Lois Center-Shabazz | Course Delta Agency

Interested in a Free Discussion about how I can help you with Fantastic Finances? Let’s Chat – Make an Appointment Here

Get Your FREE Fantastic Finances Tips Course by eMail

How I Build Fantastic Finances ; Read More…

Don’t forget your free sample copy of “The Ultimate Guide to a Great Money WorkOver

7 Small Business Ideas That May Mean Your Ready For Business

Your Small Business Ideas

Small business ideas that mean your ready for business

Whether or not you are successful in business appears to be closely correlated with your type of business. The U.S. Census Business Dynamics database plotted a five-year survival rate of several industries since 2005.

The research showed the success of rates of industries from construction to mining with a success rate between 36% to 51%.

Then there are those who operate businesses that do not make a substantial profit. They are working long hours and spending most of the money that comes into the business on overhead; rent, supplies, salaries, advertising and marketing.

These people did not do their homework to find out the demand and cost of the business. For some of these people demand is low, and the cost is too high; but some just don’t know how to find their interested market.

Small Business Ideas

Here are some questions you can ask yourself before you think about starting a business, you will also get several small business ideas and tips.

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 1. IS IT TIME TO START A BUSINESS YET?

If you have worked in every department of a small business as an employee and understand how every single department works, then you may possess this one very important factor for success in your own small business.

If you have managed to master the skill of managing money, from small to large amounts, you posses a skill that will help you manage a business.

If you have worked in an industry long enough to understand what works in that industry to make profits and what does not, then you have acquired another skill that makes a small businessperson successful.

If you understand the team concept, and that you will have more success working with a team of people than alone – this is yet another skill you possess.

If you have ever done an analysis of business services or products needed in your area or on the internet, you possess a crucial ingredient for business success. Many businesses start up and fail because the market has been saturated with the product or service they sell or they don’t understand how to bring this market into their business.

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2.  DO YOU PLAN TO BUY A BUSINESS OR START ONE OF YOUR OWN?

Both starting your own business and buying a business carry risk. In starting your own small business you need to have the qualities above and understand small business in general. The main issue is that it takes awhile to build a small business. You have to find customers and build the customer base. The hours are long and concentrated.

When it comes to buying a business, you have to understand how to evaluate the business. If it is a franchise-this is a type of leased business; questions to ask, Is it profitable? –the costs are extremely high with franchises. If it is a privately owned business, do I have an attorney and accountant that can do “do diligence” on the business, they must engage the following small business ideas to facts;

  1. Properly priced,
  2. There are no liens or encumbrances,
  3. There are no pending lawsuits against the business.
  4. There are no disagreements with prior business partners

When you buy a business, you need to spend money on a forensic accountant to determine if the business has produced what they are claiming. It is wise to spend money on an investigator and attorney to find out if the business is clear of any wrongdoing. If you don’t have the funds for this, or don’t feel it is necessary, you could end up with a worthless business, it has happened to many before you.

3. DO I UNDERSTAND THE COST OF SMALL BUSINESS?

One of the most difficult concepts for beginners in business to understand is cost. Some businesses have cost of 90% of business income and some have cost of 50% of business income. No matter what your business, you will have overhead cost. Businesses go bankrupt all of the time. One major reason is that the cost becomes more than the business income.

The following costs are important to understand before you buy or start a small business. These small business ideas should be thoroughly researched before you start thinking about business.

  1.  The rent or lease cost and terms of both.
  2.  The cost of equipment for the business.
  3.  The cost of supplies used and ordered for the business.
  4.  The cost of producing the product or service, (materials, time, labor).
  5.  The cost of the employees: average salaries, employee taxes, employee benefits
  6.  Independent contractors cost

The cost of insurances for the business (product liability, injury liability on premises, workman’s comp, health, malpractice insurance etc.)

4. HAS THE NEED FOR THE SERVICE OR PRODUCT BEEN ESTABLISHED?

Has the market been consumed with small businesses of your same type?

If you are starting a new business, have you tested the need for your product by starting to sell it and building customers at a flea market, out of your home, or small office. If you increase your sells over time and get repeat customers and a growing customer base, this is one sign the product is in demand.

Have you tested different price points with your business product to see what sells the most, and you still get a profit of at least 20%. This is low, but at least it is a profit.

Purchasing a business works best when you have worked in that business, You have the opportunity to see the need, you see the profitability, and you understand the product.

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5. HOW DO I REACH MY CUSTOMERS?

Advertising is very expensive. Marketing is very difficult, and can be expensive. Marketing tends to be more
effective than advertising because if done right it is more believable.

Studying advertising and marketing effectiveness is crucial. You can spend too much if you are not educated about both. The marketing of your small business ideas are more cost effective than advertising.

6. DO YOU UNDERSTAND THE MOST IMPORTANT PERSON IN YOUR SMALL BUSINESS

THE CUSTOMER IS KING, has been, and will always be the most important phrase you will ever hear.

If customers don’t get the product or service they are paying for, they will leave. If your business has little or no customers, it is a hobby. In some cases it is a very expensive hobby.

The next most important people in the business are the employees. Well trained and well appreciated employees are worth their weight in gold. They are a part of the team that will help you to achieve success.

As you can see there is a lot to think about before you think about seriously starting a small business. The research, development and previous experience will help you decide if the rigor of your own small business is something, you can do successfully. The most important person in your business will implement your small business ideas successfully.

7. WORK, WORK, WORK AND BE REALISTIC ABOUT EVERYTHING

Do your research, seek out advice from successful people, put in the hours, and listen when you get advice. Before you start a business you MUST understand budgets. Use the “Course For Fantastic Finances” to get started.

Dream your best home - secrets to successful car buying tips for women

Lois Center-Shabazz | Course Delta Agency

Interested in a Free Discussion about how I can help you with Fantastic Finances? Let’s Chat – Make an Appointment Here

Get Your FREE Fantastic Finances Tips Course by eMail

How I Build Fantastic Finances ; Read More…

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Knowing Basics of Small Business Taxes Will Protect You and Your Business

Knowing Basics of Small Business Taxes Will Protect You and Your Business

Basics of Small Business Taxes

It is imperative that if you have a small business, you should have, at least, the basics of small business taxes so you can check your returns and understand why your accountant has chosen the deductions for you.

Small business taxes

Where to Get Tax Forms

All tax forms are available at IRS.gov. Search and print any form you need.

What is a Tax Publication?

Something every small business should know about are tax publications. You can verify any major tax issue when you read a publication, they hold the IRS facts. There are publications for home selling, home buying, selling a business, running a business, tax deductions for small business, and much more.

All the facts are listed in the publications. So, when you are told to check your taxes, the place to verify tax facts are the IRS publications. You will have to search publications and sometimes order the one you need, but most are online at the IRS. 

Publication 17 gives you all of the general information you need to file an individual federal tax form. Small Business Publications are here to make sure you get all of your deductions you qualify for and verify your forms.

Download the Federal Tax Bulletin at IRS.gov

Basics of small business taxes

Importance of Tax Timing and Honesty

It is better to pay your taxes on time and not risk ruthless penalties, than to get an extension and go over your extension or run out of money. If you are a small business, you could miss your social security contribution, and have to pay later.

You can go online to make sure you are getting credited with your social security contribution if you file an extension and the credit is not posted, this can be corrected.

Understand the best of tax and money,Chat with Lois

Small Business Taxes Estimated

Some new (first year) business owners forget that they have to pay taxes on profits at year end, so they inadvertently spend all of their profits.

At the end of the first year when taxes are calculated you will be put on a quarterly estimated tax schedule and will also be told how much you owe for your first year. This means you must save funds from your first year into a tax savings account on your own.

Most first year business owners will be safe to put aside at least 30% of their first-year profits. Now, in subsequent years you will have quarterly estimated payments you will make every 3 months, these payments are based on your previous years income, so be prepared to pay over your estimated taxes, at year end, if your income skyrockets the previous year.

Who is Responsible for Your Tax Form Calculations?

It benefits you as a small business to use a qualified enrolled agent or certified public accountant. No matter who does your taxes it is important to understand that you are responsible for what is put on your tax forms.

You will have to pay penalties and interest on understated income if your taxes are done incorrectly. So, create a system where you can verify your tax deductions and the math on your tax forms.

Understand the best of finances,Chat with Lois

Every Business is Based on Profits and Losses

Because every business is based on profits and losses, the internal revenue service wants to know the details of your profits and losses. Those are recorded on Schedule C of 1040.

You should have receipts for everything you have done, and each receipt should be part of a category listed on your Schedule C. From expenses and the income you take in, you can calculate your profits and losses.

Download Schedule C at IRS.gov

1099 Income; Verify that you have all your 1099 statements

When you do business with another business and are paid income and they file a 1099 (income statement) they send you a copy. You must report that income to the IRS and claim it on your taxes.

Understand Tax Publications and Their Valuable Information

Something every small business should know about are tax publications. You can verify any major tax issue when you read a publication, they hold the IRS facts. There are publications for home selling, home buying, selling a business, running a business, tax deductions for small business, and much more.

All of the facts are listed in the publications. So, when you are told to check your taxes, the place to verify tax facts are the IRS publications. You will have to search publications and sometimes order the one you need, but most are online at the IRS.

Download the Small Business Tax Guide at IRS.gov

Importance of Tax Timing and Honesty

It is better to pay your taxes on time and not risk ruthless penalties, than to get an extension and go over your extension or run out of money. If you are a small business, you could miss your social security contribution, and must pay later.

You can go online to make sure you are getting credited with your social security contribution if you file an extension and the credit is not posted, this can be corrected.

basics of small business taxes

Estimated Taxes for Business

Some new (first year) business owners forget that they must pay taxes on profits at year end, so they inadvertently spend all their profits. At the end of the first year when taxes are calculated you will be put on a quarterly estimated tax schedule and will also be told how much you owe for your first year. This means you must save funds from your first year into a tax savings account on your own.

Most first year business owners will be safe to put aside at least 30% of their first-year profits. Now, in subsequent years you will have quarterly estimated payments you will make every 3 months, these payments are based on your previous years income, so be prepared to pay over your estimated taxes, at year end, if your income skyrockets the previous year.

Who is Responsible for Your tax Form Calculations?

It benefits you as a small business to use a qualified enrolled agent or certified public accountant. No matter who does your taxes it is important to understand that you are responsible for what is put on your tax forms. You will have to pay penalties and interest on understated income if your taxes are done incorrectly.

So, create a system where you can verify your tax deductions and the math on your tax forms. So, knowing the basics of small business taxes will protect you and your business.

women love cars. So, buy them the right way. 

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The Unknown Reason We Procrastinate And How To Achieve Business Success

Achieve Business Success and do not Procrastinate

achieve business success

Are you part of the 26% of Americans that say they procrastinate (and those are only the ones that admitted it)? This article will show you research demonstrating that procrastination is a growing problem for all of us.

Most importantly, it will show you how to reduce procrastination and accomplish those goals you have been putting off want to achieve business success you were meant to be.

University of Calgary professor Piers Steel recently published a study in the American Psychological Bulletin on procrastination. The study showed that 26% of Americans now procrastinate, as opposed to only 5% in 1978.

Thus procrastination is growing and shows no sign of slowing. The study also showed that procrastination makes people poorer, fatter and unhappier.

Dr. Steel states that the growth of procrastination is directly related to the growth of distractions available to use. He points to such things as e-mail, the Internet, big screen TVs, cell phones, video games and so on that did not exist in 1978 but are all pervasive now. Dr. Steel feels it is these distractions that keep us from focusing on our goals to the extent we would like.

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Getting Out of Debt to Achieve Business Success
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When giving one of my seminars I use this tongue in cheek suggestion to determine if you are procrastinating. When the Post-It note you had your to-do list on has fallen off so many times, it no longer sticks, you are procrastinating. But seriously, my guess is you have a good sense of how much you procrastinate and if you need to be more focused on your priority tasks.

As a Motivational Expert, I am unhappy about the loss of productivity in terms of people’s professional and personal lives. So let’s look at some ways to stop procrastinating and get our lives moving again.

Keying off Dr. Steel’s discovery, the number one method to reduce procrastination is to reduce the distractions around you that are not related to your immediate goal. If you are working on a project, having a cell phone near you might be a great way to get needed input.

On the other hand, taking calls not related to your immediate goal, will take you away, instead of toward your goal. Things such as TVs, video games and other such distractions that have no bearing at all on your goal should be removed from the immediate area or off at the least turned off.

Of course having a list of goals and assigning priorities, plus time budgets to them, is a huge help in reducing procrastination. Knowing what you have to do keeps you focused and less apt to stray from the course.

A great way to avoid procrastination is to keep reminding yourself of the payback you will receive from completing your goal. Visualize yourself completing the project and enjoying the reward you will receive once you accomplish it.

Here’s a tip taken from my book Sixty Seconds To Success that may help you get started. “Act as if. That’s right, act as if. Whatever you want, act as if you already have it. If you’re in a bad mood, act as if you’re in a good mood. Go around smiling, hold your head high, sing, and walk proud.

Within minutes, you’ll find yourself in a good mood. Facing a chore you don’t want to do? Act as if you want to do it and start doing it. Within a few minutes, you’ll be enjoying it.

On a longer-term basis, if you want to achieve a goal, act as if you’ve already achieved it and guess what? You’ll achieve it. That’s the key to getting what you want. Act as if you already have it and it will be yours. ”

Many people find “Eating the biggest frog first” is an effective way to get things done without putting them off. Pick the hardest part of something you need to do and do it first. That way the hardest part is out of the way and you will move through the rest of the project without dreading doing the hard part.

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Retirement Investments to Achieve Business Success
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Taking the opposite approach to doing the hardest part first works better for some people. Theresa A. Smith, Business and Life Coach helps her clients get unstuck by first listing the steps they need to take to complete a task and then to pick one small action they can do without getting involved with the whole task.

Now it’s in their control to complete the action and then choose to move to the next small step and so on. When you find yourself procrastinating ask yourself “what’s one small action I can take that will bring me closer to success?”

Still need a reason to get moving. I send out a free daily email of “The One Minute Motivator”, and post a video version of them on youtube.com and recently in one I said, “How long do you have left to live? If you are a man, you can subtract your current age from 73 and women can use 76.

This will give you the number of years you have to live, based on average life spans. I’ll be that number is smaller than you expected and has you a little concerned now. Good, you should be concerned. We only have 86,400 seconds in a day and they are flying by.

Now is the time to ask yourself if you are using those precious seconds as investments for your long-term happiness. Start now to consider what you really want out of life, and what you need to get there. Then start moving, as the clock is ticking.”

So pick one of your high priority, high payback items you have been putting off, and start to work on it right now. Your life will begin to move ahead and you will obtain the satisfaction of knowing you have moved out of the procrastinator zone and into the “doernator” zone. website.

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Saving Money to Achieve Business Success
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procrastintate or achieve business success

Watching STAR TREK Can Make You Happy And Successful

Happy and Successful

happy and successful

Interested in being happy and successful in small business, love and life? We can all learn a lesson from an episode of TV’s “Star Trek” that gets in under our radar and teaches us the importance of focusing on the positive.

In one episode of Star Trek the crew lands on a vacation destination planet where they could create any reality they wanted, just by thinking about it.

At first the crew has a great time creating wonderful things, but gradually they become bored and tired and begin to focus on negative things, which creates negative situations for their reality there.

Many of us run our lives the same way, by starting out focusing on the things we want, but then shift our focus shifts to what we don’t want and our lives turns out as badly as the “Star Trek” crew’s in that episode.

So how do you focus on the positive? You need to make a decision to focus on the positive, it doesn’t just happen. As a motivational expert, I stress the importance of having goals to guide your life and “focusing on the positive” should be one of them.

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Happy and Successful Budget for Small Business
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People attending my seminars are surprised when I tell them to announce to the people they are in contact with that you intend to focus on the positive. My personal experience with this is that the reactions you receive to this will run the gamut from total acceptance to almost outright hostility.

I advise you to not let the reaction of others  affect your own thoughts and behavior. By announcing to the world that you intend to focus on the positive, you reinforce your decision to be positive by putting yourself on notice and encouraging other people to give you feedback on how you are doing regarding being positive.

Scientific research can help you take full advantage of a positive focus to make decisions. Research shows that we tend to become happier as we move through the day. Our mood is generally lowest when we wake then peaks at noon, then declines till four in the afternoon, and then begins to build to its highest point of the day around 10 PM.

So use those peak times to make plans, set goals, tackle hard jobs, etc. Make decisions when you are the most upbeat during the day in order to reduce the negatives in your life from pulling you back.

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Happy and Successful Business Retirement Learning
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It also helps to realize that you can only control yourself, you can’t control things like the weather, things that other people do or don’t do, mechanical failures and so on. Focusing only on what you can control takes a lot of pressure off you and leads to greater happiness.

 

Business and Life Coach Theresa A Smith spends time having her clients become very clear about what they want out of life and then helping them focus heavily on pursuing the steps needed to attain the life they want. She finds knowing what you want out of life and then working towards it is the number one step her clients can take that gives them long lasting happiness.

 

I publish a free daily email of “The One Minute Motivator” and recently in one I said “

Every day we have a choice. We can choose to focus on negative thoughts that leave us feeling insecure, frightened and cynical or we can choose to focus on positive thoughts that empower us and fill us with a sense of optimism about our world and our role in it.

 

What type of thoughts we choose to focus on, grow stronger, and the other type will grow weaker. Make the choice to focus on the positive, and you will find it gets easier the longer you do it.”

 

In my book Sixty Seconds To Success, I make a similar point. “Your focus is your future. You get what you focus on. You can focus on the things that will move you and your projects ahead, or you can focus on things that will not.

 

Focus brings all your power together and enables you to do things in one area that you couldn’t do without it. Picture yourself achieving your goals, and your chances of achieving them go up dramatically. Believe it and you’ll see it.

 

What you think about on a daily basis is what your future will be like. Tibetan monks believe that if you want to know your future, look at what you’re doing right now. Everything we do now affects what will happen next and determines if we will be happy and successful.

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Happy and Successful Budget for Small Business
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Our life’s a chain of now’s and all the things we did in those now’s. Now is what counts and now is what will make your future.”

The two worlds are there for each of us to choose which to live in. Choose the world of your dreams and focus on the positive in your life-it’s as close as your next thought- and before long your dream will be your reality, you will be happy and successful.

star trek happy and successful