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melvinfellerstuff · 5 years

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Melvin Feller Business Consultants Discusses Business Disclosure Statements and What to Avoid

Melvin Feller Business Consultants Discusses Business Disclosure Statements and What to Avoid

Melvin Feller Business Group in Burkburnett Ministries and Dallas Texas and Lawton Oklahoma. Our mission is to call and equip a generation of Christian entrepreneurs to do business as ministry. We provide workshops and resources that help companies discover how to do business God’s way and provide a positive outreach as the director. When the heart of a business is service rather than self it can be transformed into a fruitful business ministry earning a profit and being of service to the community and their customers. Melvin Feller is currently pursuing another graduate degree in business organizations.

Buying a business opportunity, franchise, licensee opportunity or distributorship is a big decision, one you should not take lightly. Thankfully, there are some serious regulations in place at the federal level as well as within many states that are designed to protect you from making a bad decision or being taken in by a fraudulent enterprise, starting with the critically important disclosure statement.

The disclosure statement is a document that any seller of a business opportunity, franchise or similar concern is required to provide to you as a potential buyer by law. It details everything you need to and should know about the business in question and must be given to you if not during the first “personal meeting,” then within a specified timeframe. Although the disclosure requirements as delineated by the U.S. Federal Trade Commission (FTC) are considerable, those set forth by the 26+ states that also have them do not overrule them. So be certain to check the regulations in your state in addition to those of the FTC before you sign on the dotted line or give the seller any money.

Remember, oral statements, exchanges or promises that are made to you by the seller or between the two of you are not legally binding! This is precisely why knowing what comprises a comprehensive disclosure statement is so important.

So here it is, a brief overview of what a truly solid disclosure statement should contain as stipulated by the FTC:

Name under which the seller is doing business, including such particulars as trademarks, trade names and service marks, et al.

Five-year or more retrospective of principal players’ business experience, as well as any parent firms

Seven-year retrospective re: any legal entanglements involving either the principals or the company, including such things as fraud, felonies, civil actions, et al.

Past seven-year fiscal profile to include bankruptcy, insolvency, etc.

Factual description of the enterprise being sold

Clear statement of total funds to be paid by the buyer and under what conditions, as well as any refund policy

Clear statement of any recurring funds to be paid, for what purpose, at what intervals and under what conditions

Required affiliations between the buyer and any other concerns as set forth by the seller

Required purchases, leases or rentals as set forth by the seller

Clear accounting of the financial implications for the seller as a result of buyer arrangements with identified suppliers or other concerns

Material terms and conditions of any financing arrangements between the seller and the buyer

Clear statement of facts re: goods and services for sale, potential customers and/or geographic parameters for the sale of allowed goods and services, as well as any agreement with regard to protected markets/territories

Clarity on expectations re: direct operation of the purchased enterprise and by whom

Details re: duration of the arrangement between the seller and buyer, renewal, extension, termination, modification, sale, refusal to renew or extend, etc.

Total profile of affiliated concerns to date, with emphasis on those nearest to the potential buyer’s intended locale, including contact information for referrals

Role of the seller, if any, in site selection for the enterprise

In-depth review of initial and ongoing training program(s) and what can be expected

Public figure affiliation (on the part of the seller) disclosure, if applicable

Most recent fiscal year financial statement (balance sheet), as well as other income-related documents as specified.

In addition, the FTC stipulates that a number of CAUTION notice be included in the disclosure statement, just to ensure there is no confusion as to what is being promised. Where you see one, pay attention. Finally, any seller of a business opportunity, franchise, licensee opportunity or distributorship that promises you a specific level of income is doing so at their own peril, unless the context in which they are providing the information meets with some specific requirements. For a more in-depth look at what those are, as well as the overall disclosure statement content as prescribed by the FTC that is outlined here, please click on the Commission’s Disclosure Requirements and Prohibitions Concerning Franchising and Business Opportunity Ventures webpage now.

Melvin Feller Business Consultants Ministries Group in Texas and Oklahoma. Melvin Feller founded Melvin Feller Business Consultants Group and Burkburnett Ministries in the 1970s to help individuals and organizations achieve their specific Victory. Victory as defined by the individual or organization are achieving strategic objectives, exceeding goals, getting results or desired outcomes and a positive outreach with grace and as a ministries. He has extensive experience assisting businesses achieve top and bottom line results. He has broad practical experience creating WINNERS in many organizations and industries. He has hands-on experience in executive leadership, operations, logistics, sales, program management, organizational development, training, and customer service. He has coached teams to achieve results in strategic planning, business development, organizational design, sales, and customer response and business process improvement. He has prepared and presented many workshops nationally and internationally.

#small business non disclosure #statements of non disclosure #statements to start a business #look at starting a business #startup in texas #startup in oklahoma #melvin feller #melvin feller business ministries group #business Group of Melvin Feller #Melvin feller in texas #melvin feller in Oklahoma #in texas #in oklahoma #we discussed the starting the business #looka t making money in business #mel feller ministries

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allcheatscodes · 7 years

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mvp baseball 2004 gamecube

http://allcheatscodes.com/mvp-baseball-2004-gamecube/

mvp baseball 2004 gamecube

MVP Baseball 2004 cheats & more for GameCube (GameCube)

Cheats

Unlockables

Hints

Easter Eggs

Glitches

Guides

Get the updated and latest MVP Baseball 2004 cheats, unlockables, codes, hints, Easter eggs, glitches, tricks, tips, hacks, downloads, guides, hints, FAQs, walkthroughs, and more for GameCube (GameCube). AllCheatsCodes.com has all the codes you need to win every game you play!

Use the links above or scroll down to see all the GameCube cheats we have available for MVP Baseball 2004.

Check PlayStation 2 cheats for this game

Check Xbox cheats for this game

Check PC cheats for this game

Genre: Sports, Baseball Developer: Electronic Arts Publisher: EA Sports ESRB Rating: Everyone Release Date: March 10, 2004

Hints

Extra Runner

When you are batting, try to hit a triple and stay on third. When your next batter is up try and hit a sac fly to deep center. Tell your runner at third to tag up and go home. When you are very close to home plate press R to return to third. He will touch home and head back to third. He will start to go to third then and will head back to the dugout. When your next batter comes up to bat, the runner who scored will be back on third base.

MVP Point Bonuses

The following bonuses can be unlocked with the indicated number of MVP points:StadiumsCrosley Field: 2500 Astrodome: 2500 Tiger Stadium: 3000 Griffith Stadium: 3000 Shibe Park Stadium: 4000 Sportman's Park: 4000 The Polo Grounds: 5000 Forbes Field: 5000 Throwback jerseysAnaheim Angels 1986: 250 Atlanta Braves 1974: 500 Baltimore Orioles 1971: 500 Boston Red Sox 1903: 1000 Brooklyn Dodgers 1941: 750 Chicago Cubs 1954: 750 Chicago White (Black) Sox 1919: 1000 Chicago White Sox 1983: 350 Cincinatti Reds 1970: 500 Cleveland Indians 1975: 500 Detroit Tigers 1906: 750 Houston Astros 1986: 250 Kansas City Royals 1985: 250 Milwaukee Brewers 1982: 250 Minnesota Twins 1977: 500 Montreal Expos 1981: 350 New York Giants 1954: 750 New York Mets 1986: 350 New York Yankees 1927: 1000 Oakland Athletics 1972: 500 Philadelphia Athletics 1921: 1000 Philadelphia Phillies 1980: 500 Pittsburgh Pirates 1916: 750 Pittsburgh Pirates 1979: 500 San Diego Padres 1984: 350 Seattle Mariners 1981: 350 St. Louis Cardinals 1934: 750 Texas Rangers 1976: 500 Toronto Blue Jays 1992: 250 Washington Senators 1913: 1000 PlayersAl Kaline: 2500 Babe Ruth: 5000 Billy Williams: 2500 Bob Feller: 3500 Bob Gibson: 4500 Bob Lemon: 3000 Brooks Robinson: 3500 Catfish Hunter: 3000 Cy Young: 4500 Early Wynn: 3500 Eddie Mathews: 4000 Ferguson Jenkins: 2500 Gaylord Perry: 3500 Hal Newhouser: 2500 Harmon Killebrew: 3500 Honus Wagner: 4500 Hoyt Wilhelm: 3000 Jackie Robinson: 5000 Jim Palmer: 4000 Jimmie Foxx: 4000 Joe Morgan: 4000 Juan Marichal: 3500 Larry Doby: 3000 Lou Brock: 3000 Lou Gehrig: 4500 Luis Apraricio: 3000 Mel Ott: 3500 Mike Schmidt: 4000 Nolan Ryan: 4500 Orlando Cepeda: 3500 Pee Wee Reese: 3500 Phil Niekro: 2500 Phil Rizzuto: 3000 Ralph Kiner: 2500 Reggie Jackson: 4500 Richie Ashburn: 2500 Robin Roberts: 2500 Robin Yount: 4000 Rod Carew: 3500 Rollie Fingers: 3500 Roy Campanella: 4500 Satchel Paige: 4500 Sparky Anderson: 4500 Tom Seaver: 4000 Tommy Lasorda: 4500 Ty Cobb: 5000 Walter Johnson: 4500 Warren Spahn: 4000 Whitey Ford: 3500 Willie McCovey: 4500 Willie Stargell: 4000 Yogi Berra: 4500

MVP Points

After completing various goals, you will get a message stating that you have earned MVP Points. Enter the “MVP Rewards Checklist” screen in “My MVP” to check how many points you have earned, and how many are needed to unlock the various bonuses. You will earn twice as many MVP Points on the Pro difficulty setting, three times as many on the All-Star difficulty setting, and four times as many on the MVP difficulty setting. Also, MVP points are not awarded when games are simulated. The classic players that are unlocked will begin at age 30 and will age and retire like other players.

Get Any Player

To get any player on your team in dynasty mode, create an outfielder with the best stats. Sign him as cheap as you can for one year. You can trade him for any player (for example A-Rod, Mark Prior, etc.)

Barry Bonds

Go to “Edit Player” and select Jon Dowd of the San Francisco Giants. Change his number and name to Barry Bonds #25. His name will be annoucned when he comes to the plate for San Francisco, and all of his statistics are already in the game as “Jon Dowd”.

Cheap Perfect Player

Create a player with all desired information. Leave his attributes exactly as is. Then, go to “Free Agents”. Sign that player to a long cheap contract. Then, go to create/edit again and change the player’s attributes to make him perfect.

Infinite MVP Points

Reach a desired level of MVP points to spend on a player, stadium, or throwback jersey. Use them to unlock a bonus, then save your roster. Do not save your profile. Instead, reload your profile. Your MVP points will be at their pre-purchase amount. Use them to continue buying as many other bonuses as desired.Select dynasty mode and choose the Yankees. Turn off injuries, trades, rain outs, and budget. Set the difficulty on MVP. Simulate to the last game of each month. On that game, choose to simulate it (not quick sim; choose "Play" then "Sim"). Stop the simulation at the top of the ninth inning and choose to manage the remainder of the game. Do this for every month for the rest of the season. When the season ends, and you see "Advance To Playoffs", save the dynasty. Then, choose "Advance To Playoffs". Each time it will show your points earned.(about 13,000 to 17,000). Do not save after this. Exit dynasty mode, then keep re-entering and choosing "Advance To Playoffs". Each time you do this, you will get that same MVP point amount put into your profile.Note: This trick requires multiple memory cards. Once you reach the desired amount of MVP points (5,000 recommend), save your profile to multiple memory cards. You may now choose an unlockable for each profile. You will have as many MVP points on each one as you did at the start. You can use these points to unlock whatever you desire. Note: If you unlock a player, immediately go to "Team Management" then to "Free Agents". The player should be on the list. Assign him to whatever team you want (you do not have to sign him). Do this with each profile. When you are done, you can start a dynasty and all players will be on the teams you assigned them to.Start a dynasty with a team that can make the playoffs (for example, the Yankees). Simulate all the way to the last series, then save the dynasty. Then, simulate to the playoffs then advance to the playoffs. Save your profile (not dynasty). Exit the dynasty and you should have between 5,000 to 10,000 MVP points. Do the same thing as many times as desired to unlock everything.

Legendary Players

Make a profile. Then get 5000 reward points. Save your profile. Go to the rewards, pick a player, then save your rosters. You can do this to get anything in the rewards. This will not get legendary teams. It’s just fun to play with Babe ruth or Nolan Ryan.

Cheats

Great Cheat

Create a player named Nick Roy and make sure to save the player and your profile to unlock all MVP Rewards.

Ultimate Player

Go to create a player. His first name Jacob and his last name Paterson. Make him a “Free Agent” and in Dynasty Mode get rid of one of your players. Look for him in “Free Agents” and select him. He has a huge bat and almost every time he’s up he nails a homer!

Bad Player

Create a player and enter “Erik Kiss” as a name. Every time he swings he will break his bat and send a little dribbler to the pitcher for a sure out. Also, you cannot bunt with him; it will just go foul.

Unlockables

Currently we have no unlockables for MVP Baseball 2004 yet. If you have any unlockables please feel free to submit. We will include them in the next post update and help the fellow gamers. Remeber to mention game name while submiting new codes.

Easter eggs

Currently we have no easter eggs for MVP Baseball 2004 yet. If you have any unlockables please feel free to submit. We will include them in the next post update and help the fellow gamers. Remeber to mention game name while submiting new codes.

Glitches

Currently we have no glitches for MVP Baseball 2004 yet. If you have any unlockables please feel free to submit. We will include them in the next post update and help the fellow gamers. Remeber to mention game name while submiting new codes.

Guides

Currently we have no guides or FAQs for MVP Baseball 2004 yet. If you have any unlockables please feel free to submit. We will include them in the next post update and help the fellow gamers. Remeber to mention game name while submiting new codes.

0 notes

ourmrmel · 5 years

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Mel Feller MPA, MHR Looks at Improving Any Business Leadership Team

According to Mel Feller, an entrepreneur and business specialist and investor, leadership is a proven and tried method for rediscovering your excellence in business and life. As Mel Feller explains, some days, you are drowning in an ocean of business decisions. Others, you are looking at the desert and hoping for an oasis. Therefore, since you are creative, your leadership skills need both practice and learning. Here are several methods for leadership ideas to get the idea river overflowing To be a great and effective leader, you need to be very clear on your vision, and what actions you need to take to turn your vision into a reality.

Moreover, like an organization or a team, to be an effective leader, you need to focus on the few key areas that will have the highest impact on turning your vision and goals into a reality. Although this word is offensive to some, ultimately, we are talking about winning. In addition, as any good coach will tell you, to win, you need to be willing to learn and then practice what you learn. The more you are willing to learn and the harder you are willing to practice, the more successful you will become.

When you look at your company, you see leaders that can get things done and really motivate the people around them. Supervisors, forepersons, managers, and executives all have a major impact on your company. However, what if those leaders suddenly left? What happens when those stars go out? Do you have qualified employees that could fill the gap? Is your bench deep enough to play on and win the game? Have you prepared your top performers to be the leaders of tomorrow? One of the measures of healthy organizations is how comfortable they feel replacing key leadership positions with their own employees. Unfortunately, most of us only look at the people standing right in front of us, and when something happens we make a mad scramble to survive.

Leadership development should not be restricted to existing leaders. Having a healthy population of future leaders in the organization can be the biggest insurance for success.

You need to ask, “What about tomorrow?”

You could fill the spot with a new hire, but the difference in cost between promoting leaders from within and trying to find an external candidate can be amazingly high and comes with many hidden problems, especially in these tough economic times. At the same time, hiring someone from outside of the organization does have benefits. It can offer new ideas and new perspectives on old issues, and it creates a healthy influx of productive energy, but should that be your first option? Here are some drawbacks to making outside hiring your number one option:

Recruiting Cost

Finding a qualified, knowledgeable leader takes time and money. Recruiting, interviewing, and testing, even if done in house, comes at a high price. The cost of recruiting a new hire and training them can reach multiples of the employee’s annual salary.

Recruiting internally cuts down on the cost and shows your employees that you value their skills at least as well as those of outsiders.

A new candidate takes a number of weeks to learn the culture and work flow of a new organization. During that time, the individual is in a period of negative production.

If the person does not work out in the position, the cost of training and replacement can be as much as 3 times the annual salary of the position. By the time, employers learn that the employee might not work out, it’s past the probation period and damage is already done.

Cultural Adjustment

All companies have a unique set of values, character, and culture. A new candidate comes from a completely different culture and may or may not fit into yours. Interviews and resumes will not show the adaptability of leaders, even if they come from the same line of business. A conflict of values can quickly become a drain on company resources and takes a long time to remedy. The result is most often a demoralized work group. So if hiring leaders externally is cost prohibitive, how do you get out of that cycle? What can you do to develop your most promising performers? You need to ask yourself, “Are there individuals internally that could do the same thing by being moved or promoted?”

If the answer is no, then you need to start developing. Now! The most effective way to create your leaders of the future is a professionally developed training plan; but

If you are not ready for that step and you need to make some moves quickly. Here are a few tips to start the process:

Start a Mentoring Program

Identify your top performers, identify your top leaders, and get them together. A once-a-week meeting to discuss what the leader does and how he or she is dealing with issues that arise can expose your employees to what being a leader means - and give them an incentive to apply it to their own positions. It will also encourage them to take the initiative for self-development.

Project Share

Let your top leaders identify some projects or portions of projects that they can delegate to your potential leaders. The idea is not only to develop the skills needed to complete the tasks, but it also gives them exposure to greater levels of responsibility and lets you evaluate their talents and skills.

Keep People Moving

If it’s possible for you to shuffle people between departments, offer it. Give people the option to try a new area of the company. Not only will they be learning a new skill set, but also their understanding of the entire business will expand, which is a critical aspect of leadership. In the end, this will reduce your training cost for new leaders.

Get to Know Your Employees

Do you know what your employees’ professional aspirations are? Do you know what they really want to do for the company? Do you even know their capabilities? A simple questionnaire can offer you incredibly valuable information on their past experience, skills, and performance desires. Aside from helping you to identify who might be a future leader, it can also help remedy the problem of the right person in the wrong position.

Build Your Own Library

Invest in some personal development audio or video tapes, DVDs, books, or computer-based training tools. There are lots of titles and topics available. Offer these to your employees for check out. The real performers will take advantage of it. This is a cost effective way to train employees with minimal startup cost and no labor, as the training will take place on their own time.

You can also offer “Lunch Box Learning” and show one of the short programs during the lunch hour.

These are just a few of the ways to motivate your top performers into becoming tomorrow’s leaders.

The benefit of having well developed leadership skills in your employees will far outweigh the cost of putting these programs in place.

If you do not develop your top performers, they will not be your top performers for long. Soon you will be stuck with a bench full of liabilities. The question you need to ask yourself is not, “What happens if I develop them and they leave?”

The question you need to ask is, “What happens if I don’t develop them and they stay?”

Leadership takes practice. Leadership is not something you practice once and become a master at. Nevertheless, how much practice does it take to become a great leader? Malcolm Gladwell, in his book Outliers, gives us the 10,000-hour rule. Based on Gladwell’s research of people who have reached an expert level so profound that others would describe them as great, it takes about 10,000 hours of studying and practicing the art or the task. That would be more than five years’ worth of full time work, with each hour dedicated to practicing leadership skills. Even the masters never stop practicing.

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ourmrmel · 5 years

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Using the Strategic Map Method In Business in Oklahoma and Texas by Mel Feller MPA, MHR

Mel Feller is the President/Founder of Mel Feller Seminars with Coaching for Success 360, Inc. He also owns Mel Feller Ministries. Mel Feller is an Innovator, Business Leader, Investor and Entrepreneur. Mel Feller is currently working closely with his son-in-law and partner on an incubator for young…

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ourmrmel · 5 years

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Mel Feller MPA, MHR, Illustrates How to Start a Business in Texas

Mel is the President/Founder of Mel Feller Seminars with Coaching for Success 360, Inc. and Mel Feller Coaching. Mel Feller is an Innovator and Business Leader. Mel Feller currently maintains offices in Texas and in Utah. Mel is currently an MBA Candidate.

The Steps:

Determine Your Business Structure

Pick a Business Name

Request an Employee Identification Number

Acquire Business Licenses and Permits

Check on Your Business Employer Requirements

Texas’ support for small business, in particular, is evident in its low business licensing fees, its lack of red tape, and an abundance of relatively cheap real estate. Few states can boast a similar lack of regulation that lets businesses be born almost as soon as they are conceived, with only a small out-of-pocket investment.

First: Determine Your Business Structure

You need to choose the type of legal, for-profit business entity you want your business to be, which depends on a few factors. This includes what kind of business you are starting, whether you’ll have employees and your comfort with liability. Some structures are free to register; others have a low fee and are subject to the state franchise tax.

Some of the most common choices include:

Sole proprietorship: The most common and simplest form of business structure, a sole proprietorship is perfect for one person who owns all the business assets. This person is 100% liable for the business. Their sole proprietorship assumes their name, unless they want to create a “DBA certificate” to give it another name, to be filed in all counties where business is conducted. These structures are not subject to the state franchise tax.

General partnership: Similar to a sole proprietorship, but it’s for two or more individuals. It’s a separate business entity from those people, but creditors can still hit up the partners’ personal assets to satisfy debts and liabilities. They are not subject to state franchise tax.

Limited liability Company: An LLC is created by filing a certificate of formation with the Texas secretary of state. It is an unincorporated business entity with more flexibility, providing owners with limited liability and pass-through tax advantages. LLCs are subject to state franchise tax, and the certification of formation for an LLC is $300. This should not be confused with a limited liability partnership, which is a general partnership registered with the secretary of state and, in Texas, costs $200 for the certificate of formation per general partner.

For-profit corporation: “Corporations are people, too.” It is true: Corporations are people with limited liability, centralized management, perpetual duration, and ease of ownership transferability. Owners of corporations are shareholders, and managers of the business are directors. For-profit corporations must register with the Texas secretary of state, must pay a filing fee for the certificate of formation of $300, and are subject to a state franchise tax.

If your business was formed in a state or entity other than Texas but you want to “transact business” in the state, you need to file an application for registration with the Texas secretary of State as a foreign entity.

Second: Pick a Business Name

This may sound obvious, but you need to choose a business name. If you open a sole proprietorship, your name can be the business name—otherwise, you need an Assumed Name (which comes via the DBA certificate). If you’re struggling on how to come up with the right name, consider these steps:

Do a Google Search

If that business name sounds too good to be true, it may be. First, do a preliminary search to find any conflicts with your Texas business name, especially in your local area. Consider a name that is easy to pronounce and spell as well as one that is very searchable.

Do a Trademark Search

Before you pick a name, you will want to ensure it has not already been trademarked. To start, sift through the trademarks already registered with the U.S. Patent and Trademark Office. This database can show you which names have already been registered along with the classification of each one.

Check Texas’s Business Name Database

Once you have picked a Google-able name and discovered it’s not trademarked, check the Texas Department of State: Division of Corporations database. This will ensure your business name is not the same (or too similar) to another corporation registered in Texas.

Give your name a lot of thought: It is hard to change it up in the middle of your company’s lifespan.

Third: Request an Employee Identification Number

An EIN, or business tax identification number, is the business equivalent of a social security number and is used to track your business dealings. It is useful for establishing business credit, opening business checking accounts, and, if you have employees, filing their tax withholdings. You can apply for your EIN with the IRS here.

An EIN is free to obtain; you can also contract a third party like LegalZoom to ensure you are 100% compliant with the law, including getting your EIN for you.

In addition to understanding your federal tax responsibilities, you also need to research your state and local taxes. The Comptroller of Public Accounts collects various state taxes and imposes and collects franchises taxes, though most small businesses are exempt.

Business inventory tax is assigned to businesses that own fixed assets, to be paid to your local county appraisal district. You will want a quality inventory and fixed asset management system to ensure you know exactly how much you invested (and thus, what you will have to pay taxes on) in your equipment and machinery, if applicable.

Fourth: Acquire Business Licenses and Permits

Texas does not require companies to buy a “general business” license. However, depending on the type of business you open, you might need a specific license or permit. Check out the Texas Department of Licensing and Regulation to see if your specific profession qualifies. If you’re unsure of what you need, contact your local county or city government to double check any additional requirements.

Varieties of small fees are associated with obtaining various business filings and trademarks, such as a change of registered agent or a limited partnership periodic report. The full list can be found here—it works as a good checklist when starting out.

Fifth: Check on Your Business Employer Requirements

This is specific to the type of business you are starting in Texas, including whether you have employees, but there are various labor, safety, and tax obligations to satisfy, too, such as federal and state mandates like the Americans with Disabilities Act, Equal Employment, and safety, wage, and labor requirements. You might want to hire a tax or business attorney to make sure you are following the law here.

You have a few other economic hurdles to clear as you start up and begin running your business in the state of Texas, particularly if you have employees. Here are a few of the most important—but be sure to refer to the full state handbook if you have further questions:

Business Insurance

Texas does not require most private businesses to have workers’ compensation insurance, though those that do obtain helpful legal protections, such as immunity from lawsuits by injured employees. Those without workers’ comp must also file an annual notice with the Texas

Department of Insurance.

Commercial property insurance, such as tenant coverage while renting or leasing a building, that will insure your on-premises property, is highly recommended.

Offering health insurance isn’t a requirement for small employers in Texas, but those that do offer it need to make it available to all employees working 30 hours or more a week, year-round. Insurance companies usually require 75% of eligible employees to participate in their health plan.

Note that the Patient Protection and Affordable Care Act requires all small employer group plans to cover essential health benefits like emergency services and prescription drugs.

Texas Workforce Commission

The Texas Workforce Commission (TWC) and 28 local workforce development boards have teamed up to form Texas Workforce Solutions, to provide support services and administering unemployment benefits and tax programs. A few services to keep in mind:

Skills for Small Business provides training funds for businesses with fewer than 100 employees—$725 for full-time existing employees and double that amount for full-time, new employees to aid in upgrading skills, preparing new hires, and increasing competitiveness. Training is also available at local colleges.

Skills Development Funds are collaborative training programs customized to specific business needs. Companies can apply for this fund grant and customized curriculum.

The Work Opportunity Tax Credit Program offers a tax credit reducing the federal tax liability of employers if they hire someone from target groups, such as SNAP recipients, ex-felons, veterans, and residents of rural renewal counties.

Unemployment Tax

The Texas Unemployment Compensation Act requires “liable employers” to pay unemployment tax. Most of the business structures discussed above fall under this category; non-liable employers include those who hire only independent contractors rather than full-time employees, and those whose employees are paid through a professional employer organization.

Once wages are paid out, employers need to register with the TWC within 10 days of becoming liable for the state’s unemployment tax.

Third-Party Resources, Programs, and Lenders

You do not have to go it alone in Texas. A number of state and federal resources, such as the U.S. Small Business Administration, offer business advice, low-interest loans, grants, and much more. Their programs are geared toward helping veteran-owned businesses, minority-owned businesses, and women-owned businesses, and they are worth exploring if you qualify.

Sixth: Sign Up for Business Banking

If you are a new business owner, it is a very good idea to separate your personal and business banking accounts. First, sign up for a business checking account. If you do not want to be saddled with hefty fees, there are many free business-banking accounts out there. Before you settle on a bank, consider how often you plan to make transactions and how much a balance you can carry month to month.

Getting a business credit card is also a great way to start building business credit and provide a safety net if you need a bit of extra capital. If you qualify, a 0% introductory rate can act as an interest-free loan while you get up in running.

If you are interested in starting a business in Texas, you are definitely in luck: The barrier for entry is low and the number of resources at your disposal is high.

It may be really, hot down there in the summer, but that is a small price to pay for getting your foot in the door of the small business world and keeping it there.

Texas appears to have a stake in helping you succeed—do not take that for granted. It is hard enough to stay afloat in today’s economy, and a state government that has your back is a benefit few should turn down.

Mel Feller, MPA, MHR, is a well-known real estate, business consultant, personal development Consultant and speaker, specializing in performance, productivity, and profits. Mel is the President/Founder of Mel Feller Seminars with Coaching For Success 360, Inc. and Mel Feller Coaching, a real estate and business specific coaching company. His three books for real estate professionals are systems on how to become an exceptional sales performer. His four books in Business and Government Grants are ways to leverage and increase your business Success in both time and money! His book on Personal Development “Lies that Will Sabotage Your Success”. Mel Feller is in Texas and In Utah.

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ourmrmel · 5 years

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Mel Feller MPA, MHR, Discusses Working from Home and Challenging Fears

Mel is the President/Founder of Mel Feller Seminars with Coaching for Success 360, Inc. and Mel Feller Coaching. Mel Feller is an Innovator and Business Leader. Mel Feller currently maintains an office in Texas. Mel is currently an MBA Candidate.

Have you been considering home-based business opportunities?

If so, you are certainly not alone, as there are an increasing number of people who are considering the idea of working from home very seriously. The trouble is that many people have silly assumptions regarding this method of working.

Many of the important issues, which need to be considered very carefully before making such a life change, are often not given much thought until the jump has been made.

In this discussion, let us have a look at some of the common fears or assumptions and those matters overlooked, or not considered seriously enough.

Fear 1: That you will need to take a massive pay cut and take weeks, months or even years to earn a decent income.

Although this can easily be the case, it need not be. Those who claim that this happened to them, and perhaps quote it as the reason they gave up working at home, are probably those who underestimated the hard work entailed in leaving traditional jobs and staying at home instead.

You would not walk into a standard office job without having trained for it, prepared for it, and made sure that you are ready.

The same is true when considering work from home opportunities. It will be important to plan and prepare well in advance.

Some people spend weeks or months working in their own time after work to get things started, and then switch to working part time to allow them to push the homework more, before finally committing to it full time. It is unlikely that you will be able to walk out of a well-paid job on Friday evening and start heading up a successful and profitable home business opportunity on Monday morning.

Fear 2: That you will no longer have any support if things go wrong.

Of course, there is a degree of truth here, but in all honesty, it need not be the case. If you are considering a work at home business, the chances are you have already started to investigate the possibilities.

One thing you may well have noticed is how many forums and discussion boards there are which those who have already started working from home, or have been doing so for years maintain.

Make sure you join these, and talk to people. Often they'll be great support, but they'll also help put you in touch with relevant organizations and institutions which could offer a great deal of support and advice, whether it's tax related, sorting out your accounting, or looking at marketing strategies.

Overlooked point 1: Too many people assume that if they give up the day job and start working from home, they will be able to relax a great deal more, with less pressure and more flexibility with hours.

Of course, this can be the case, but only if you plan for it very carefully. A huge mistake made by some people is to start their home business on a Monday morning by sleeping in a few extra hours, taking leisurely time to watch daytime television, and squeeze a bit of work in here and there.

It is only when they start to realize how little work has been completed and how little money they have earned, that the pressure builds. Work from home business arrangements or opportunities require an inordinate amount of self-discipline.

It requires that you plan carefully and rigidly, being aware of the work you need to do and planning your time off and breaks very carefully.

If you are not a very self-disciplined person, or would find it too tempting, this needs to be something you consider carefully. However, with good planning and sensible use of your time, working from home can really provide the ultimate flexibility, and give you much greater freedom.

Overlooked point 2: Pressure from home.

This might seem odd, since you are probably well aware of the pressures of office life, but your home is less stressful, and there is almost no pressure there - which is why you want to work from home in the first place, right?

The trouble is that too few people really appreciate the pressure, which their family can unwittingly bring to bear on their business plan. Seeing you at home all day, master of your own time, can easily give the impression that your time is now theirs.

Constant pressure to do little jobs around the house, play with the children, taxi them here and there, do some shopping, and a hundred and one other little daily tasks can eat into your concentration, eat into your precious time, and make you feel guilty for locking yourself away to work.

Bear this in mind, and discuss the whole business plan with your family to ensure they understand how you will need their support.

If you take all of these hindrances to your success into consideration when you work from home, and take steps to ensure that you don't make false assumptions, and that you overlook nothing, than you will have a better than average chance of success with your new home business.

Mel Feller, MPA, MHR, is a well-known real estate, business consultant, personal development consultant and speaker, specializing in performance, productivity, and profits. Mel is the President/Founder of Mel Feller Seminars with Coaching for Success 360, Inc. and Mel Feller Coaching, a real estate and business specific coaching company. His three books for real estate professionals are systems on how to become an exceptional sales performer. His four books in Business and Government Grants are ways to leverage and increase your business Success in both time and money! His book on Personal Development “Lies that Will Sabotage Your Success”. Mel Feller is in Texas and In Utah.

#work from home #work from fears #faers from being self employed #fears from being self employed #self employed why work from home #business plan #work #working #self employed #daily tasks goals #mel feller #mel feller bio #mel feller in dallas texas #mel feller in texas #success #Coaching For Success 360 #mel feller seminars #mel feller coaching

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ourmrmel · 5 years

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Mel Feller MPA, MHR, Describes the Process of Setting Goals

Success is the progressive realization of a worthwhile goal. – Earl Nightingale

The ability to set goals and to make plans to achieve them is the one essential skill of success. In fact, becoming a continuous goal setter will contribute to your success more than anything else you could ever do. An average person can achieve more than even the most brilliant genius, if that average person has clear written goals and the genius does not. Still, less than 3% have goals in writing and less than 1% review their goals regularly.

The very best way to predict the future is to create it. Goals allow you to decide how your life will change; making sure that the change is in the direction you want. The reason why people with goals succeed is that they know where they are going. It is as simple as that. When you create a vision of something, you want in your life you will suddenly begin to notice the distinctions between where you are and where you want to be. You will become aware and alert to opportunities in your environment that can be resources for you to achieve the goal and you will get creative ideas and inspiration to take action towards it.

Ambition

A high level of ambition is a hallmark of all successful people. This means that you should set goals that are beyond your current ability and skill, yet still believable. You grow as a person from the demands you place on yourself, so always demand more from yourself than anyone else does. What is possible for you today comes from your experiences, and if you limit yourself based on the past you will not go any further.

Set ambitious goals and continually work to surpass them. Your goals only specify the minimum results you will accept, not the maximum. Ambitious goals push you into action and even if you do not achieve every one of them, you will still go farther than if you had settled for goals that were too easy. Find goals grand enough to challenge you. Goals that will push you forward and let you discover what you are capable of. There are no limits to what you can accomplish. The only limits are those that you place on yourself. Do not let the limitations of others be your limitations.

Big goals will motivate and inspire you far more than less challenging goals. Most people settle for far less than they are capable of and get stuck in a comfort zone. The way to get out of the comfort zone is through continuous goal setting – to continually stretch yourself, always striving for something more. The more ambitious your goals are and the stronger your desire for them is, the more motivated you will be to make yourself do what you need to do to get where you want to go.

How badly you want your goals will more than anything else determine whether you achieve them or not. You can have virtually anything you want in life if you know exactly what it is you want and you are prepared to do the tasks necessary to achieve it. The requirement is only that you do the tasks in advance and that you do all of them. To tell that the tasks have been completed is easy, because when they are the success will be there in front of you for all to see.

Selecting your Goals

Brainstorm at least 10 goals that you personally want to accomplish and organize them by priority. Write them all down with at least one for each of these major life areas:

Health, fitness and physical goals.

Emotional and spiritual goals.

Financial, business and career goals.

Family, social and contribution goals.

Material, leisure and experience goals.

Personal and professional development goals.

To clarify what you really want to be, have and do in life, you can project yourself forward 5 years into the future and imagine that all of your dreams have come true. What does it look like for each area? What kind of lifestyle do you have? Where do you live? Who are there with you? Another powerful way to find your goals is to consider how you would spend your time if you had only 6 months left to live. What if you only had 6 weeks, 6 days or 6 hours left? Finally, what would you do if you found out that you had only 60 minutes left to live?

The Steps to Goal Achievement

Define: A real goal is specific, measurable, and time-bound and in writing. Once you have decided upon a goal the first step is to define it clearly, exactly, as you want it accomplished. The more specific and concrete you are, the better. The second step is to make sure your goal is measurable. How much do you want and by when? Set the criteria for achieving it so you can measure your progress towards it. The third step is to decide on the exact date when you will have the goal achieved. Give yourself a realistic, but challenging deadline. Without one, you will procrastinate and put things off. A deadline will motivate you to do the things necessary to make your goal come true. Commit yourself to the deadline and even try to beat it. If you for some reason do not achieve the goal by the deadline, set another deadline until you do achieve it.

Once you have done these three steps, the fourth and final step is to put the goal in writing. Just writing a goal down dramatically increases the likelihood that you will achieve it. A great method is to write your goals down in the present tense, as though they were already accomplished – for example: “I have acquired a certain amount of money”, “I have reached a certain percentage of body fat”, “I have overcome my fear of public speaking” or “I have developed the habit of reading one hour per day”, followed by the deadline date.

Plan: Write down a plan of action to achieve your goal and schedule it in a calendar. A goal is defined by the tasks you have to perform to accomplish it. If your goal is to form a positive habit, such as “I will learn a new skill every month”, the action plan is the same as the goal. On the other hand, if your goal contains many steps, write out a detailed list of everything you need to do. You can then organize the action steps by sequence and priority.

To determine the steps towards your goal, you can often visualize yourself having already achieved it and then work your way back to the present. You should also identify the obstacles in your way, the resources you will require and the people whose cooperation you will need. Write it all down. You can always add to your plan later as you discover more steps. If the goal is long-term, you should break it down into sub goals with deadlines every 30 days.

Once you have written your action plans for each of your major goals, it is time to make a detailed schedule. In brief, you take a couple of minutes at the beginning of each week to schedule tasks from your action plans to the days of the week. During these minutes, you also review your plans, their progress, and set new goals.

Action: After you have planned your work, it is time to work your plan. Your goal setting must result in action, because even the best plan in the world will not work unless you do. Discipline yourself to perform the activities of your plan on schedule. Observe how effective your action steps are and adjust your plan accordingly to make sure that what you are doing is taking you towards your goals. A simple yet powerful success strategy to follow is to schedule and perform one activity for each goal every single day. If you do this, then no matter how big or distant your goals are, you will reach them eventually. It will also build a chain of habits that will put your progress on autopilot.

When you have set a goal, the question of whether it is possible is irrelevant. The only question you need to ask is how this goal can be accomplished. How do you get from where you are to where you want to go? Always be on the lookout for things you can do to contribute to the achievement of your goals and continually look for better ways to achieve them.

Persistence: Make the decision in advance that you will never give up. Never even, consider the possibility of failure. See defeat as just a temporary part of learning how to succeed. Know that as long as you refuse to quit you will eventually be successful. The ability to persist in the face of the inevitable obstacles and difficulties to your goals is essential. In fact, with enough persistence you cannot accomplish very few goals in life.

Your success in any area of life is largely determined by how well you deal with adversity. You can often tell how high and how far a person will go simply by looking at how they react to frustration and setbacks. Successful people are not those who do not have problems – they are the ones who refused to become discouraged by their defeats. Each time we face a challenge we have the choice to respond confidently, or to let it overwhelm us. If you choose deliberately to respond in a constructive way and to deal with the problem effectively, you will learn, grow and become better able to deal with future challenges.

Motivation: It is up to you to make an absolute must out of every goal you set. The more you think about, visualize, review and rewrite your goals, the deeper you will drive them into your subconscious mind, the greater your motivation will be and the faster you will move towards them. Get a clear mental picture of you reaching each one of your goals. Make it so real in your mind that it feels like you already have achieved them. We see the images in our minds that drive us towards our goals. It is these images that we can call to mind for support when the going gets tough.

You should surround yourself with symbols of your goals and plans to help keep them constantly in your mind. For example, find pictures of your goals or write them down on post-it notes that you place on your bathroom mirror or work desk where you can see or read them every day. Alternatively, carry your goals with you on cards in your wallet and review them regularly. You can even begin each day by rewriting all of your major goals, and visualizing yourself already in possession of them.

Summary:

Write your goals down clearly and set a deadline for their accomplishment.

Make plans to achieve your goals, schedule them and take action.

Do something every day that moves you towards your goals and never give up.

Review your goals often and visualize them as already achieved.

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ourmrmel · 5 years

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Mel Feller MPA, MHR, Discusses Business Grants That You are Eligible For

Mel is the President/Founder of Mel Feller Seminars with Coaching for Success 360, Inc. and Mel Feller Coaching. Mel Feller Ministries. Mel Feller is an Innovator, Business Leader, and Investor. Mel Feller is currently working closely with his son-in-law and partner on an incubator for young entrepreneurs. Mel Feller currently maintains an office in Texas. Currently an MBA Candidate.

There are tons of financial assistance programs available to entrepreneurs and business owners in the United States. Eligibility varies, but there are enough opportunities for everyone to pursue. You just have to be diligent, persistent, and consistent in your quest. Below, you will find several suggestions on how to apply for and obtain small business grants.

Check with Your Local Government Agencies. Many cities, counties, and states give away money to local businesses. Why? Because they want you to create jobs and more tax revenue. Many times, they will not highly publicize these opportunities, but it is in your best interest to give them a call and/or search their web sites.

Check with Federal Government Agencies. The federal government does not give business grants directly to businesses, but they do give money to foundations who in turn can give money to small businesses. The federal agency in charge of this is the Grants Program Management Office, and all of their opportunities are listed publicly at www.grants.gov

Check with Major Corporations. Nearly every major corporation in this country has a foundation that gives away grants to enhance communities, and many of these are grants to start or expand a business. Start with the companies that are headquartered in your home state, and find out if they offer financial assistance for local businesses. If not, venture out and inquire about companies that are not in your state. Many times, they do not care where you live.

Search The Internet. Use Google and Yahoo to conduct a search using the term "business grants". You can even throw in the name of your city, county, state, etc. Carefully review the results, and look for web sites that other web sites are linked to. Doing so, will help you to find opportunities that may be casually listed on a blog or some type of directory. You may even come across a recent news article about a new opportunity.

Ask Around. When attending professional networking functions and social mixers, never hesitate to ask people that you meet about new opportunities. Many times, small business grants are given away to people who happen to be in the right place at the right time. Never underestimate the importance of creating a relationship with a power player and his/her associates.

Visit Your Local Library. Contrary to popular belief, libraries are still an excellent resource and store a lot of information that is not accessible in other places. Go to your library as soon possible; look for grant books and directories and ask specific questions to your librarian. You will be surprised what you can find.

Make Sure it is Legit. The Internet is full of many misleading opportunities. Be cautious, and make sure that the organization or company has a professionally developed web site. Also, make sure they have a phone number, email address, physical address - and are not requiring you to pay to apply. Some legit web sites, however, do sell access to their directory of opportunities for a monthly fee. Other legit web sites may sell e-books that list grant opportunities. This is okay, as long as you are not paying to submit an actual grant application.

Be Patient. Many entrepreneurs make the mistake of rushing through the process of finding and applying for a business grant. The reality is that looking for and qualifying for the right opportunity can take some time. In fact, it can take up to a year or more before you actually get the funds needed into your possession. In addition, you may not immediately find the opportunity that is best for you.

Be Thorough. When applying for small business grants, make sure to dot your "I's" and cross your "T's". In other words, be thorough and complete. Many opportunities will require lengthy applications that can seem endless. Stay the course, and remember that being inaccurate or skipping questions may disqualify you.

Be Optimistic. Many allow the process of applying for grants to intimidate them and scare them away. Yes, it can be time consuming and tedious - but in the end it is very well worth it. Remember, grants do not have to be repaid. This is free money. Do not give up, and stay positive. You will be glad you did!

Mel Feller, MPA, MHR, is a well-known real estate, business consultant, personal development Consultant and speaker, specializing in performance, productivity, and profits. Mel is the President/Founder of Mel Feller Seminars with Coaching For Success 360, Inc. and Mel Feller Coaching, a real estate and business specific coaching company and Mel Feller Ministries. His three books for real estate professionals are systems on how to become an exceptional sales performer. His four books in Business and Government Grants are ways to leverage and increase your business Success in both time and money! His book on Personal Development “Lies that Will Sabotage Your Success”. Mel Feller is in Texas. Visit www.melfellersuccessstories.com and www.melfeller.com

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ourmrmel · 5 years

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Free Online Tools for Setting up a New Business by Mel Feller, MPA, MHR

President/Founder of Mel Feller Seminars with Coaching For Success 360, Inc. and Mel Feller Coaching with offices in Texas and in Utah.

Whether you have a traditional, local brick and mortar store or an exclusively online business, you will need a set of online tools to make setting up your online presence both simple and efficient.

Growth is usually considered positive and desirable. It is often regarded as a measure of success and something that should be pursued. While this is true in many cases, business growth can present its own set of problems and challenges.

Those in business generally have limited resources and this can increase the risks associated with growth, especially when it occurs quickly or is unplanned. As the owner of a growing business, you need to learn to manage growth.

First, you should take time to consider what growing your business will really mean and the implications of operating a larger enterprise.

If you are ready to take the next step and grow your business, you can access the tools that I have listed below. I have really tried to focus on the best and the free ones. After all, a penny saved is a penny earned!

Legalzoom.com

Every new business needs a quartet of business support services. If you are setting up a standard corporation, LLC, partnership, proprietorship, or even a not for profit, Legal Zoom not only has the necessary forms for your state, but also the available consultation where you can speak to an actual attorney and get many of your questions answered. They also can help you with patents and trademarks for your business, a necessity for the open frontier of the Internet.

Freshbooks.com

Trying to keep the books yourself creates two problems: 1) it takes the owner away from their primary focus of the business and 2) it opens the door for the possibility of paying too much in taxes. Online accounting software has become increasingly popular in recent years because it allow a business owner to have an actual accountant periodically review their books while giving the owner control over the day-to-day accounting operations with little time investment. Freshbooks has the best combination of ease of use and powerful features, requiring little time to keep your data safely stored in the cloud and focus on your business.

Squareup.com

Without billing, it is impossible to trace individual transactions and begin increasing your bottom line. Squareup is the place to go for new businesses who have a strong personal presence in their community and can make a sale fast. Squareup offers a free square that you connect to your smartphone for instant billing and sales, with no monthly or hidden fees. You will get access to your deposits within 1 to 2 business days, eliminating the need for waiting on payment from checks or money orders.

Squarespace.com

Squarespace is a popular platform that has award winning designs and templates that will get you up and running quickly. The templates can be easily customized, and you can use your own artwork to give your website a unique and personal branding.

Business Development

From planning to finance to day-to-day management needs, launching a small business involves a steep learning curve. Take advantage of these free resources to gain the knowledge you need as you develop your business idea into a thriving enterprise.

SBA.gov

Searching online for information about developing your business idea can result in a lot of conflicting information. For straightforward business education and advice with no agenda, start at the U.S. Small Business Administration’s website—SBA.gov. Here you can find information about writing business plans, tips for entrepreneurs, and trustworthy information about how to finance your business, and more. It is an incredible resource for rookie and veteran entrepreneurs alike!

Local Small Business Development Center

Sponsored by the SBA, small business development centers throughout the United States have helped thousands of entrepreneurs launch successful businesses through free business education, consulting, and mentoring services. Find your local center here and call to request support from an SBDC advisor in your area.

SCORE

For over 50 years, non-profit business association SCORE has provided education and mentorship opportunities to help small businesses get off the ground and achieve their growth goals. SCORE.org provides free online learning opportunities as well as confidential in person mentoring services throughout the country from volunteer entrepreneurs with years of business ownership experience.

Business Planning

Whether you are just starting your new business or refining your existing business model, let these free tools lead the way in your business planning process.

Bplans.com

Writing a plan for a new business does not have to mean reinventing the wheel. Check out Bplans.com for sample business plans representing nearly every industry—from caterers to construction companies and beyond!

Enloop

Even with a sample plan in hand, starting with a blank word doc to write your business plan is horribly intimidating. Use Enloop to easily create a professional looking business plan complete with 3-year financial forecast reporting, and even get a free business plan score to help take your plan from good to great.

Your first business plan is free, with affordable subscription rates for additional plans and added features.

Business Financing

Unless you happen to be independently wealthy, figuring out how to raise capital may be the most overwhelming challenge you will face as an entrepreneur. Should you look for investors, or borrow from a bank or online lender? Check out these free resources to help you in your quest to fund your small business.

AngelList

Whether you are looking for investors or hiring your first employees, Angel List is your must-have resource for startup recruiting. Hundreds of startups have been matched with angel investors on the site, gaining much needed capital to grow their businesses.

Kickstarter

Want to crowdsource your business funding without giving away equity? Launch a funding campaign with Kickstarter: a free to sign-up crowdfunding platform that helps you recruit micro-donors for your business. You can incentivize your donors with future products or gifts of your choice, and Kickstarter will take a small percentage only if your campaign is fully funded.

StreetShares

Tell your story and get a loan for your business. StreetShares is a free online marketplace that will connect you with peer-to-peer lenders for small business funding. Instead of relying only on your credit history, you can complete StreetShares quick application and recruit lenders by sharing your story and demonstrating the value of your business idea.

Design

With an abundance of free tools online, creating a professional and visually stunning digital presence has never been easier. Check out these free tools to generate high impact eye-candy for your brand.

Canva

Want the look of professionally designed graphics for your blog or marketing materials without the cost or the expertise? Canva will be your new best friend. Use pre-formatted templates to create social media banners, blog graphics, marketing flyers, and much more. Free and idiot proof, Canva will make your amateur, no-budget marketing effort and make you look like a seasoned pro.

Pablo

If just the thought of graphic design makes you sweat, Pablo by Buffer is a great place to start. Make your social media stand out with beautiful images created from your text in under 30 seconds. Even your grandmother can do this. We promise.

Piktochart

You see those incredible infographics buzzing through your Twitter feed and think “that must have taken a trained graphic designer hours to create.” However, did you know you could create similarly high impact infographics for your business, for free? Piktochart offers beautiful templates and easy-to-use tools that even non-designers can use to communicate information in a visually compelling way.

More than anything else, being a business owner involves a lot of email. For making decisions, communicating with staff, marketing to customers, and more—you likely live and die by your inbox. Check out these free email tools to make your email life a little more manageable.

Gmail

Call me biased, but I will state without hesitation that Gmail is the best there is in email communication. Whether you are using a standard free Gmail account or you have connected Gmail to your business email account, you cannot beat the easy to use organization of Gmail for archiving and inbox management.

Boomerang

Have a brilliant idea in the middle of the night, but don’t want to blow up your team’s inbox until morning? Alternatively, do you need to follow up on an email in a week, but need a reminder to do so? This awesome third party Gmail add-on for scheduled sending and follow-up reminders will help you restore some balance to your email.

Free for the first 10 scheduled messages per month. Nominal subscription for unlimited messages and additional features.

Organizer by OtherInbox

Organizer does exactly what its name implies—organizes your inbox. Once it’s added to your email, it will automatically sort through the hundreds of promotional emails, receipts, and newsletters into the folders of your choosing. Designed to prioritize the most important emails and securely keep them at the top of your inbox, Organizer is the ultimate time saver for those whose inboxes are perpetually stuffed. Because those promotional emails and receipts may become “out of sight, out of mind” once they aren’t filling your inbox to the brim, Organizer also sends a “Daily Digest” email to keep you in the know of exactly what emails have been filed into which folders. That way you can keep an eye on what is coming into your inbox without sacrificing the time to actually sift through each folder while focusing on the emails that are the most critical to you.

MailChimp

If you are a minor entrepreneur new to the email marketing game, you cannot beat MailChimp for beautiful and easy to create bulk newsletter content. Send up to 12,000 emails to 2,000 subscribers free. Your prospects will love the beautiful content in their inbox, and you will love MailChimp’s awesome features, including beautiful templates, advanced analytics, easy one-click personalization, and more. Constant Contact is another option that many small business owners try. It can be a little pricier than Mailchimp, but wins in terms of customer support since Mailchimp relies heavily on email and their robust self-service Knowledge Base and Constant Contact has chat, phone, or email.

Unroll.me

How much time do you spend every day getting distracted by random junk mail cluttering your inbox? In addition, let us not even talk about the headache of scrolling to the bottom of all those emails for the tiny unsubscribe button, followed by an elaborate guilt trip before you can finally say “goodbye.”

Just say no to inbox clutter with Unroll.me. Unsubscribe from what you do not need, and roll the rest up into a once daily summary of all your newsletter subscriptions. When it comes to saving time, this might be the best free tool on our list.

Internal Communications

Whether you work with a distributed team or just travel a lot for business, these communications tools will help you stay in touch with your crew from wherever you are.

Skype

The first (and probably still the best) internet calling service out there, Skype is the standard for video conferencing between computers, as well as wifi-based calling between mobile devices throughout the world. If you need that personal face-to-face connection with employees or clients from far away, free video conferencing between Skype accounts is the perfect tool to use.

Slack

Between social media accounts, email, text messages, chat tools, and more, the multitude of ways that team members communicate can get confusing and leave room for communications to get lost in the shuffle. Use Slack to manage conversations with your team members across devices and accounts on one platform. Therefore, you can send an email, receive a reply over text, and follow up with a tweet—and no one misses a beat.

Sococo

With all the benefits of a physical office environment without the overhead, Sococo is a dream come true for distributed teams. Just log into your virtual office to see who is working, communicate with colleagues by text, audio, or video chat with a click of the mouse, and make conference calls right from your office. Try Sococo’s free starter plan and you’ll be hooked on the feeling of working in community no matter where you are.

Money Management

From accepting credit cards to tracking expenses to time tracking and payroll, the internet is full of amazing resources for managing your company’s finances with minimal headache. But how will you know what works? Check out the free trials for these awesome tools to find the money management workflow that fits your business needs.

Expensify

Any employee with experience completing traditional expense reports knows what a pain it can be. And administrators know how much time gets wasted tracking down employees for receipts or other information. With Expensify, you can simplify the expense reporting process with smart scanning of receipts, easy mobile tracking of expenses, and one-click reimbursement options. Expensify offers an always free basic plan, plus a free 30-day trial for team and corporate plans with all whistles and bells.

Paypal

Is not accepting online payments holding your business back from growth? Paypal offers easy online credit and debit card transactions as well as recurring payments with no sign-up cost and no direct fee.

TSheets

If your business is growing and you are hiring hourly employees, you’ll quickly find that tracking their time spent working feels harder than it should be. Enter TSheets, a GPS monitored app that lets employees track time right from their cell phones and aggregates timecard reports from every member of your team to with little to no effort required from you. Check out this awesome service with a 14-day free trial.

ZenPayroll

Once you have tracked your employees’ time, there is still the matter of getting everyone paid. ZenPayroll simplifies the payroll process, giving employees online portal access to update their information and letting you run weekly, bi-weekly, or monthly payroll for your entire team with just a few clicks of the mouse. Get started with a free 2 month trial.

Productivity

You have big ideas, you have a business plan, your company is funded, and you even have amazing graphics for your marketing efforts! However, to keep your business afloat day to day, what you need is to simply get things done. Try our favorite free tools for a boost in productivity to move your business forward.

Evernote

Many busy, on-the-go entrepreneurs swear by Evernote for keeping track of thoughts, plans, and ideas from wherever they are. The app’s free plan lets you clip content from across the web, create your own notes, share with friends, and comment on documents together. In addition, with seamless integration across all your devices, you can work from anywhere without missing a beat.

Google Drive

Have you noticed by now that I am a little Google obsessed? In addition, this may be one of our favorites. Google Drive offers you almost all the same benefits of Microsoft Office, but accessible from anywhere you have online access. Collaborate on documents with colleagues, track spreadsheet changes as you edit, and share with clients quickly without ever waiting for uploads or worrying about having compatible software installed—all free.

Producteev

This is your pen and paper to do list on overdrive. Manage projects between multiple users, set recurring events, and track both large scale projects and the smaller steps along the way that make the big to-do’s possible. Producteev is ideal for keeping up with your own work needs as well as assigning tasks to employees near and far.

Scheduling

With a growing number of clients and team members to consider, keeping track of who does what when can be a pain. Whether you are scheduling conference calls, meeting, or work shifts, try these awesome tools to streamline the process, saving you time and brain cells for improved things.

Doodle

Say “never again” to the headache of trying to coordinate a meeting, dinner, or other event with multiple parties who use different—even (gasp!) non-digital—calendar platforms. Instead, use Doodle to send out a quick poll with available date and time options. Skip the back and forth, let everyone cast their vote, and consider your meeting scheduled!

When I Work

Hands down our favorite tool for companies with shift workers of any kind. Instead of endless emails, sticky notes and phone calls to organize your weekly or monthly shift calendar, When I Work will keep track of employee availability, create a balanced shift schedule, notify employees when they work, and let them trade shifts with team members. All you have to do is set your requirements and approve the final schedule.

Sign up for the 30 day free trial. You will likely find that the time you save scheduling employees through When I Work is worth every penny of the nominal monthly subscription.

YouCanBook.me

Consultants, therapists, salon stylists, attorneys, and other bill-per-hour service providers swear by YouCanBook.me for quick and easy client scheduling. Integrate this tool with your business website to allow clients to book services online. You can set preferences and session lengths for different services, and the app integrates directly with your Google Calendar to automatically work around any appointments or scheduling conflicts that may arise.

In addition, as long as you do not mind the minimal “powered by YCB” branding, the standard scheduling service is always FREE!

Social Media

Every business owner knows you need to be on social media. Actually following through on a social media strategy is another matter entirely. Try these great, free tools to streamline your process and maximize your social media ROI.

Hootsuite

Publishing individual social media messages in real time is a drain on time and a recipe for low engagement. By signing up for Hootsuite, you can manage multiple social profiles from a single dashboard. Schedule posts, track mentions, engage with followers, and measure the effectiveness of your social media content, at no cost. It is the go-to tool for keeping your social media accounts in line.

ManageFlitter

If Twitter is a big part of your brand development, ManageFlitter is an awesome tool for improving your results. Easily unfollow dormant accounts, track useful analytics, and boost relevant followers with ManageFlitter’s free limited plan.

Instasize

If you manage social media accounts for your small business, you know the difficulty of editing on mobile for different apps. With InstaSize, you can format and edit videos and photos for Instagram, Twitter, YouTube, and more, with ease. The app allows you to add text and filters, retouch faces, and create collages that will make your business stand out.

Stock Images

Beautiful images are essential to making your brand stand out online. But if you’re not a professional photographer and your product isn’t visually compelling, how can you use images in your marketing effort? Try these free stock images site to search for images to use in your blog, social media, and other marketing materials.

Flickr

This user-generated photo-sharing site has a huge array of images available free with or without attribution. Check out the creative commons section of Flickr and read the usage terms to make sure your photo usage is on the up and up.

FreeImages

A great resource for business related stock images, FreeImages is a content marketer’s favorite bookmark for quick generic blog or social media graphics.

Pixabay

If you are feeling bored by the typical line up of free stock images online, Pixabay is a great resource to shake things up. The images here have a slightly more indie feel compared to the more generic vibe of traditional stock images.

Unsplash

Though the selection is smaller than most, Unsplash is an awesome resource for stock images that don’t feel like stock images? Updated every 10 days, this site’s collection of free to use, no attribution images will feel like a warm hug, creating that personal connection with your audience that typical stock images cannot quite reach.

Storage & File Sharing Complicated computer networks and external hard drives are so 2005. Try these cloud storage resources to share files and collaborate on documents without a drawer full of USB cables and fifteen phone calls to your cousin who works in IT.

Dropbox

Modern companies are using Dropbox to share files between employees and collaborate on documents from multiple devices. Save all your documents to the cloud to access from anywhere, and share them via email invites with colleagues, clients, prospects, or whoever may need access. Your first GB of data is always free, which for a very small organization may be all you ever need.

Box

Another file sharing and cloud storage service similar to Dropbox. At Box you can store up to 10 GB of data for free, but will have to pay for additional users. If you are a solopreneur looking to make the most of free cloud storage, Box may be a better solution for your needs.

Google Cloud

If you already use a variety of Google apps (which you should; see above), Google Cloud is an obvious choice for backing up files, documents, images, and other content. Integrate it seamlessly with other Google apps to never lose track of your archive files.

I hope my comprehensive resource list will help you take your business to new heights!

Mel Feller, MPA, MHR, is a well-known real estate, business consultant, personal development consultant and speaker, specializing in performance, productivity, and profits. Mel is the President/Founder of Mel Feller Seminars with Coaching For Success 360, Inc. and Mel Feller Coaching, a real estate and business specific coaching company. His three books for real estate professionals are systems on how to become an exceptional sales performer. His four books in Business and Government Grants are ways to leverage and increase your business Success in both time and money! His book on Personal Development “Lies that Will Sabotage Your Success”. Mel Feller is in Texas and In Utah. Currently an MBA Candidate.

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ourmrmel · 5 years

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Mel Feller, MPA, MHR, Suggests 20 Small Business Tips for Success

President/Founder of Mel Feller Seminars with Coaching For Success 360, Inc.

Offices Located in Texas and in Utah.

You must understand how to be successful, if you are an ambitious entrepreneur. Of course, there is no single key to achievement in business but many, which is your job to find and apply them in your organization.

The foremost is to define your target since without that are you going to know where you stand proceeding and importantly whether you are staying on-course. While profits, though essential, may possibly not be the important driver for you if you are establishing a social company your goal can maybe be to maximize the amount of people you will help in your group.

However if you like to retire in five years your aim perhaps needs to be to develop your organization to the stage where it may be bought for a healthy return for the investment of money and time. You need to take some time and fix your organization’s compass to determine what you are planning and put your company on a distinct course.

Realizing where you are heading could be the key to achievement because just subsequently need to know and then you should share it along with your staff. They should realize your thoughts to be able to assist you reach your destination or outcome.

Therefore, I just felt that these general tips are things you need to keep in mind as you design/operate your small business:

1. Take the time out to explore and understand whether you are compatible with running your own business. Some people are just plain happier and better off financially on the other end of the paycheck.

2. Get your personal finances in order. Before you jump into the entrepreneurship world, get your own money matters squared away.

3. Pick your niche. Many small business owners succeed in businesses that are not unique or innovative. Take stock of your skills, interests, and employment history to select the business that is best suited for you.

4. Benefit from your business plan. The exercise of creating a business plan is what pays the dividends. Answer the tough questions now before the meter starts running.

5. Do not think you need bankers and investors at the outset of your business. The vast majority of small businesses are bootstrapped.

6. Acquire the proper background. In the early months and years of your business, you will have to acquire many skills. Gain the background you need to oversee all facets of your business well, but determine what tasks you should outsource or hire employees.

7. Remember that nothing happens until a sale is made? How many good products go nowhere because they do not reach the shelves? Sales drive your business. You will need a good marketing plan to sell your product or service.

8. You have to see a customer to know one. No matter how busy you are, spend at least 25% of your time with customers. You cannot make the proper business decision without understanding their viewpoint.

9. Solve your customer’s problems. The best way to satisfy your customers is not by selling them products but by giving solutions to their problems. There is a big difference.

10. Quality takes minutes to lose but years to regain. Quality is not a destination; it is a never-ending journey. After you have strayed from quality’s path, your journey maybe sidetracked forever.

11. Put profitability first, rewards seconds. In small businesses, profitability must come first. Find out how to measure your cash flow and understand key financial ratios.

12. Hire supporters. If you intend to create a growing business, your number one duty is to assemble a great team of employees.

13. Do not do it alone. Find such help from small business peers, a mentor, even trade associations. They can help take some of the trial and error of beginning your business.

14. Vendors are partners too! Treat your vendors like customers and watch your partnership grow.

15. Make use of benefits. Understand how to provide insurance and other benefits for your employees and cut your tax bill at the same time.

16. Ignore regulatory issues at your own peril. Federal, state, and local governments require licenses, registrations, and permits. Obey them or face losing your business.

17. Know the tax laws. Invest in understanding tax issues that affect your small business.

18. It is the people! Whatever happens to a small business happens at the hands of the people who work for it. The evolution of the business is a result of their efforts.

19. Fast, good, cheap. Pick any two. Serious trouble awaits those who attempt to be all three in the market place. Stick with what you do best.

20. Develop a passion for learning. As your business grows, you need to change and grow along with it. One common denominator can be found in all successful business owners and that is a passion for learning.

Mel Feller, MPA, MHR, is a well-known real estate, business consultant, personal development consultant and speaker, specializing in performance, productivity, and profits. Mel is the President/Founder of Mel Feller Seminars with Coaching For Success 360, Inc. and Mel Feller Coaching, a real estate and business specific coaching company. His three books for real estate professionals are systems on how to become an exceptional sales performer. His four books in Business and Government Grants are ways to leverage and increase your business Success in both time and money! His book on Personal Development “Lies that Will Sabotage Your Success”. Mel Feller is in Texas and In Utah. Currently an MBA Candidate.

#small business tips for success #succes in business #success #succeed in business #success tips #put your company on course #reach your destination #general tips #Coaching For Success 360 #mel feller #melfeller.com #melfellersuccessstories.com #mel feller coaching #mel feller seminars #mel feller in Texas #mel feller in Utah

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ourmrmel · 5 years

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Mel Feller MPA, MHR, Recommends Starting Your Business in Texas.

Mel is the President/Founder of Mel Feller Seminars with Coaching for Success 360, Inc. and Mel Feller MPA, MHR, Coaching. Mel Feller is a Texas – Utah Innovator and Business Leader. Mel Feller currently maintains offices in Texas and in Utah. Currently an MBA Candidate.

If you are looking for a great place to start your business, or you already live in Texas and wondering if the business climate therein would favor you, then I have good news for you; Texas is a great state to start and run a business.

Why Start a Business Texas?

Texas is sitting on a comfortable economy as it has a very stable telecommunication, technology, healthcare and medical research, banking and transportation sectors. The state is also a great place to do business as it offers reduced taxes, low cost housing and high quality education. In fact, Texas has one of the lowest tax burdens in the United States, ranking as a Top 10 Best State.

Texas, also known as the Lone Star State has a natural geographic advantage over other states, with a first rate transportation network and an economy that is constantly developing. Cities such as Houston, Dallas and Austin remain choice destinations for entrepreneurs.

The Lone Star State is home to over 50 Fortune 500 corporate headquarters including Exxon Mobil, Phillips 66 and AT&T. Texas is home to American Airlines and Southwest Airlines, two of the largest airlines in the world.

In addition to all these, Texas is named the “Best State for Business” by CNBC and has been ranked the “Top State for Business” by CEO Magazine for the past six years, going to show that this state is viable for business and any entrepreneur that wants to move to Texas would be doing themselves a great favor.

Texas does not only favor big conglomerates, as small businesses are also known to thrive there. So if are looking for a small-scale business to start up as an individual in order to take advantage of the bubbling economy of Texas, then here are 50 small businesses for you to consider.

Coffee Shop: A lot of people love coffee, and would always stop over for freshly brewed coffee every occasionally. Setting up a coffee shop in a busy area will attract many customers during office break times and in the mornings. You can add donuts, pretzels or bagels as coffee accompaniment.

Gift shop: granted, there are many gift shops already in Houston, but there is room for new players in the trade. Though the business might be somewhat seasonal, with profits spiking during the Christmas, Thanksgiving, Halloween, Valentine, and other festive periods, an encouraging volume of sales are made all year round.

Hardware Store: setting up a hardware store in Texas is a good business idea because not only you do not need any skills to start the business, but also because the startup cost of the business is quite reasonable. You can setup your store in a commercial area and offer a wide variety of products at reasonable rates. To make it more appealing, you can set up an online storefront for people to choose items from and offer free delivery.

Laundry service: everyone does laundry, and as such, a laundry service is a good business to start anywhere including Texas. This business, even as it is lucrative requires very little startup capital and expertise. All you need to do is find a good location and gather the required equipment. Spread word of your business all over your Houston neighborhood and you will surely get clients provided you offer quality services.

Appliance repair Business: An appliance repair business repairs equipment and appliances that are used in the home and garden. The barrier to entry into this industry is very low and majorities of establishments in this industry are individuals who are running the business on their own. If you have the knowledge, you can start a business where you can repair appliances for people.

Home health care: Home care providers majorly provide non-medical services such as personal care, homemaker and companion services in the homes of their clients. You can start this service on a small scale, but it would definitely expand due to factors such as the aging population and prevalence of chronic diseases such as cancer.

Recycling Business: A recycling facility engages in the recycling of materials such as plastic, paper and glass from waste locations. Once these materials have been separated and sorted, operators go ahead to refine them into useable products and then sell them to wholesalers as well as manufacturers. You can run a small recycling plant in Texas where you can recycle either paper, plastic, metals or other types of materials.

Math center: Many students have challenges learning mathematics, and would need a lot of aid. Setting up a mathematics center in Texas would surely fill such need, as parents would not hesitate to enroll their kids who have challenges with the subject.

Library: A library is an essential facility to have in any state. People go to libraries to read, make research and borrow books, periodicals and magazines. There can never be too many libraries, so one more in Texas would not hurt.

Medical billing service: Medical billing is a payment practice within the United States health system. The process involves a healthcare provider submitting, and following up on claims with health insurance companies in order to receive payment for services rendered, such as treatments and investigations. You can start this business in Texas and make a profit; you only need to have good marketing and networking abilities to enable you get contracts.

Retail travel agency: A travel agency is a private retailer or public service that provides travel and tourism related services to the public on behalf of suppliers such as airlines, car rentals, cruise lines, hotels, railways, travel insurance, and package tours. You can make money from starting this business in Texas to help people make travel plans.

Senior care home: senior home care is a type of residential care that provides a round-the-clock nursing care for elderly people. Texas has a good population of seniors, so starting a business that aims to provide quality care for seniors would prove profitable. However, you need to ensure that you have the required personality to handle the elderly.

Adult Daycare: An adult daycare center is typically a non-residential facility that supports the health, nutritional, social, and daily living needs of adults in a professionally staffed, group setting. Many people in Texas prefer to keep their aged parents and relatives at home instead of sending them to nursing homes, but they would need help to care for them when they need to go out for extended periods. With the right facilities and staff, you can easily carve a niche for yourself.

Savings consultant service: A savings consultant helps clients accomplish financial objectives by assessing financial situations; developing and presenting financial strategies and plans; monitoring changes in financial status and life circumstances. Texas being an economically viable state, savings consultancy services are quite essential.

Sanitation services: This business amongst other things provides odor control services to commercial, industrial, institutional and private markets. You can set up sanitation business to provide such services for businesses.

Fitness club: People always like to keep healthy and fit, and they do so by eating right, getting enough sleep and going to fitness centers. So starting up a small fitness center would sure be a profitable business in Texas.

Pilate’s center: Pilates is a physical fitness system that builds strength, flexibility and lean muscle tone with an emphasis on lengthening the body and aligning the spine, rather than on bulking and shortening the muscles. Some people, especially females prefer this fitness format because of its emphasis on toning the muscles instead of enlarging them. This business can be started small and enlarged gradually when you achieve good customer base.

Healthy vending machine: These days, people are very careful about what they eat as they seek to minimize calorie-laden diets. Healthy vending machines mostly vend fruits, fresh juice etc as against candies and soda. This business would be quite profitable in Texas especially if located in areas where people take their health seriously.

Locksmith: Locksmiths are people that fix broken locks, make keys, and install security systems like alarms. Security is a big part of every state, and since people would always want effective locks and security systems, then your services as a locksmith would be in high demand.

Fundraising service: A fundraising service is a business that helps individuals and businesses to raise funds for their cause. A professional fundraiser works with charities, nonprofit organizations, schools, groups and political groups to help each organization raise the money it needs. Being that there are several such, businesses that need help raising funds in Texas, so a fundraising service would do well in the state. You will get your income from commissions from the funds you raise.

Sales and sales management training: This is a sales management-training program that provides sales people and sales managers with proven skills, knowledge and tools they need to drive bottom line performance. Texas is a state that is high in productivity and as such sales is big business there. Setting up a center that trains people to be proficient in sales would be a moneymaker because you would always have individuals who want to acquire this skill, and organizations that are sending their people to become trained.

Boutique: Part of the basic needs of man is clothing, and everyone has to be clothed no matter the season. You can choose to set up a boutique in the Lone Star State and make large profits. You can choose to go strictly high end in order to carve a niche for yourself because many people can afford such clothes owing to the economic viability of the state.

Home inspection service: As a home inspection consultant, your job will be to identify construction and remodeling problems based on local zoning laws and building codes, and you will also be asked to recommend remodeling projects to help add value to a home. This is a small-scale business that one can start to take care of properties for people.

Dry cleaning service: Texas is a productive state, and many of its citizens are likely to be too busy to take care of their laundry by themselves. A dry cleaning service is a small business that would prove profitable for you if you are able to market it properly.

Window cleaning service: A window cleaning is a small-scale business that can only prove profitable in Texas if you have a right links. It is a fact that Texas has many offices with many of them being high-rise and all requiring professional cleaning. You can start this business if you have the right training.

Ice cream parlor: Everybody love treats, and with Texas being a hot state because of its location close to the desert, their weather is usually suited for ice cream. Just ensure you can produce great tasting ice cream, and you would never lack customers.

Interior painting company: It is a fact that people only paint their houses when they have disposable income. With Texas being an economically viable state, it would be easy for people to repaint their houses from time to time.

Hood exhaust cleaning business: Hood exhaust cleaning (often referred to as kitchen exhaust cleaning) is the process of removing grease that has accumulated inside the ducts, hoods, fans and vents of exhaust systems of commercial kitchens. Texas has several commercial kitchens, and you are sure to make good profit when you start this business.

Gardening service: Gardening is a fast-growing business idea that can save customers’ money and beautify the landscape while also helping the environment. With Texans being too busy to take care of their gardens, you can offer this service for a fee.

Landscaping business: A landscaping business provides clients with lawn services to keep their yards groomed and can plant flowers, trees and shrubs. If you have some training in landscaping, you could provide this service too.

Kitchen remodeling business: Kitchen remodeling is good business, as people frequently want to remodel their kitchens. This is also a good small business to start in Texas.

Spa service: A spa is a business that provides a variety of services for improving health, beauty and relaxation through personal care treatments. Spas offer a variety of services such as manicures, pedicures, hair care, seaweed wraps, aromatherapy, facials, waxing, acupuncture, facial and full body massages. These services are almost essential because people need to relax and pamper themselves after working so hard during the week.

Eyebrow threading business: Threading is a method of hair removal that uses strings in fast motions to remove single strands of unwanted hair in order to create a defined eyebrow shape. Many people want defined brows all days of the week, and you can make a good deal of profits if you start this business but you have to ensure that you are very professional about it. You can also make it a mobile business to gain more customers.

Construction site cleanup: Texas is a state that is always improving on its structures because of its comfortable economic state, and wherever construction is going on, there is bound to be a mess. Construction site cleanup services perform a final cleaning and removal of left over construction materials from commercial and residential properties.

If you can handle this level of cleaning, then you can start this business. Nevertheless, you should note that starting a cleanup business requires a variety of licenses and permits, as well as a budget for buying or leasing the equipment you will need.

Recruitment service: Texas is an upwardly mobile town and as such, there would always be job opportunities to fill, you can as well decide set up a small business where you recruit staff for companies. You can also provide training for the new staff to increase your earnings.

Document scanning service: Document scanning is all about transforming your paper piles into text- searchable digital images. Document scanning eliminates the need to store your paper documents in prime office space and allows you to focus on your core business. You can set up this service in a business area and offer your services to businesses.

Pool cleaning service: People are always too busy or too lazy to clean their pools by themselves, so you can provide this service in a small scale and rake in profits especially during the summer.

Mobile Salon: Nowadays instead of people travelling to salons to utilize their services, the services are travelling towards the people. Setup a vehicle with the required equipment, products and an assistant, and then you are good to go. Definitely, you will need some skills or you can always learn them. This is a onetime investment that will earn great profits.

Travel Agent: Travel agents are people who plan trips for clients according to their budgets. You just need to have a good professional circle in the required field and set up your business online. Offer deals to the common holiday destinations and people will keep coming. You can also provide services to the corporate sector.

Mobile food truck: A food truck is a large vehicle equipped to cook and sell food. Some, including ice cream trucks, sell frozen or prepackaged food; others have on-board kitchens and prepare food from scratch. The mobile food truck is quite profitable especially when set up near construction sites, or where blue collar workers abound in Texas. You can sell sandwiches, hamburgers, French fries, and other regional fast food fare.

Social media consultant: A social media consultant is someone that handles social media publicity for a company. The social media consultant raises company brand awareness through social media. With there being a proliferation of companies in Texas, you can offer this service to companies who would not mind outsourcing it. This business can be started even from home and it requires only minimal startup capital.

Chauffeur Agency: The Lone Star State hosts many conferences, symposiums and business meetings frequently. In this regard, many executives, CEOs, business officials and high profile people travel through the city and they need protocol as well. You can invest in some luxurious cars and appoint some people to be chauffeurs for those cars. You can even rent the cars and gradually buy them after saving the amount from business. The better your services, the greater clientele.

Meat shop: Texas has many restaurants, diners and eatery businesses that need regular supply of the meat. Moreover, many people also like to cook for themselves. You can set up a meat shop of such kind and in a short time you will have regular customers. You need to have a sound knowledge of this business or you can always appoint one for the job.

Car wash service: Car wash business is very lucrative for a state like Texas; it requires little investment, skills, and you are ready to start the business. Majority of people are lazy to clean their cars themselves, target them by providing the best services and making them your regular customers. You can add sidelines of tire changing, pressure check etc.

Second-hand Goods Shop: Majority of people prefer to buy second-hand goods than investing heavily in new ones. The better the stuff you have on sale, the greater the customers entering your store. This business requires tact, and you can sell the goods at modest rates keeping a profit for yourself as well.

Advertising agency: An advertising agency, often referred to as a creative agency, is a business dedicated to creating, planning, and handling advertising and sometimes other forms of promotion and marketing for businesses. Since Texas is not lacking in innovative organizations, you can approach them to handle their advertising and publicity. This business can be started on a small scale but it has the potential of growing big in future.

Mortuary and cremation service: Death is a certainty of life, and with the growth of senior citizens in Texas, it only goes to say that a mortuary and cremation business is essential in the state. Have it in mind that you need to have the right attitude before you can succeed in this business.

Sports Goods Supplier: Texas is home to major sports leagues and this is the reason for the heavy sports culture here. One of conventional ideas for business in Texas is opening a sports goods store. For this business to kick off on a sound footing, it needs some investment in good quality products. You can always work as an affiliate for some manufacturers in order to get the right products; all you need is to have the skill to sell them.

Massage service: A massage therapist is someone who treats clients by using touch to manipulate the soft-tissue muscles of the body in order to relieve pain, rehabilitate injuries, and reduce stress, increase relaxation, and aid in the general wellness of people. Most people tend to overwork themselves especially in Texas where people tend to handle multiple jobs. You can set up this business to help them relieve their stress. You only need aggressive marketing to set the business on track.

Pet sitting service: People with the increase in disposable income, many people in Texas can afford to have pets. You can decide to take care of pets for people when they have reasons to leave their homes for some length of time. You get to walk, feed and bath the pets. Taking care of pets is quite easy as pets generally do their thing most of the day. You can even decide to open a day care where people can bring their pets and collect them at the end of the day.

Mel Feller, MPA, MHR, is a well-known real estate, business consultant, personal development consultant and speaker, specializing in performance, productivity, and profits. Mel is the President/Founder of Mel Feller Seminars with Coaching For Success 360, Inc. and Mel Feller Coaching, a real estate and business specific coaching company. His three books for real estate professionals are systems on how to become an exceptional sales performer. His four books in Business and Government Grants are ways to leverage and increase your business Success in both time and money! His book on Personal Development “Lies that Will Sabotage Your Success”. Mel Feller is in Texas and In Utah.

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ourmrmel · 5 years

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Mel Feller, MPA, MHR, Asks About Your Passion

Mel Feller, MPA, MHR, Asks About Your Passion.

Mel is the President/Founder of Mel Feller Seminars with Coaching for Success 360, Inc. and Mel Feller Coaching. Mel Feller maintains offices in Texas and in Utah.

The dictionary definition of passion is, “a strong or extravagant fondness, enthusiasm, or desire for anything.” Why do people start their own businesses? Is it for money, for freedom – from corporate structure or otherwise, power? What would you want to do it if you did not need to work? Some people might answer that they would want to lie on a beach or watch television, all day that might not pay you! However, is it possible to do something you would want to do whether or not you were making money – and actually make money? Of course – but if it were that easy, everyone would be doing it.

I have always suggested you should do what you love, but I had not followed my own advice sometimes. Why is it so important to pursue what is important to you? Here is what I have learned since deciding to focus on my passion:

It comes naturally. When you have a passion for something – you enjoy it and it means something to you. That does not mean it will not be work, because as I said and as we know, everyone would do it in that case. However, creating a plan and following through on it will certainly be easier when you are passionate than going after something you have no interest in.

It keeps you motivated. It is easy to get an idea and be excited about it – and then move on the next one. When launching a business is not due to genuine interest, but necessity, it can be difficult to stay on track. While having new plans and dreams is great, how powerful is it when you can pick something up and finish it!

It is not about the money. Of course, money often does play a part in it, but that is not why you do it. Money should never be what drives you, if you can help it. Pursuing only for money can leave you feeling desperate and certainly not happy or secure when it does not pan out.

It teaches you discipline. When you stick to something, you can accomplish it and make a career out of it. Being committed is necessary and you have to train yourself to get to that mentality. Once you have developed a routine and a plan for what you need to do to succeed, you will be more dedicated to the ultimate goal.

You are proud of it. Sure, everyone is pleased when they are promoted, feels pride in a big accomplishment, or when they start and own a business. However, imagine the exponential increase you would feel when you do something you believe in.

You advocate for it. Not as the typical business promotion – but as “guess what I get to do for a living?” People can tell when you are truly excited, and if you feel good about your business, it will help others feel that very same way as well.

It makes you feel good about yourself. Maybe this is a given, but who does not need a boost of confidence now and then? Don’t you always feel better when you do something you believe in rather than something you do not? Alternatively, almost as bad, something you are apathetic about? At the end of the day, feeling good about yourself and being happy about what you do every day will lead to fulfillment that you likely couldn’t get otherwise.

Now the Second Phase:

It has been said that nothing in the world has ever been created without a thought initiating the process.

Thomas Edison made hundreds of attempts at the light bulb before he found success. When asked why he kept persevering, he replied, "For each attempt that failed and was discarded, it put me one step closer to the one experiment that would succeed." For each thought, each belief that created a reality that was not quite right; a new thought took its place, creating a better reality.

We have all heard of these success-from-failure stories and they often help to motivate us to try our personal best, to keep persevering. However, how can we keep trying in the face of overwhelming odds? How do we get past the negative beliefs, the distractions, and the lack of support from our family and friends? What can we do when we are tired of trying?

Your thoughts do create your reality, and in learning to modify your old, entrenched thought patterns, you can modify your reality. There are three ways to modify our thoughts. First, changing your attitudes and beliefs about your current reality often shifts your focus and awareness so that you can begin to find peace in your life. Second, creating an image or thought of the new reality you want to create and keep that in focus as you go about your day. Third, through psychotherapy, gain insight into the birth of the thought and heal it. Which in turn allows the passions to truly shine while making sure you have a plan to move forward with.

Priorities are What Follow

The first step in creating your own reality is to determine which reality you are looking for. Often we do not reach our dreams because we never have a clear idea of what dreams are the most important to us. What is it you want most in this lifetime? Vital good health? A loving and supportive mate? Success in your business or career? A nice home? Freedom from emotional turmoil? An opportunity to start the dream business?

Whether your dreams are physical, emotional or spiritual, first write a list of what you want. You may find that you want something in each of those categories. In writing your list, be specific. Instead of writing "a good marriage," be specific: what specific actions and emotions are you looking for in your definition of a good marriage? In place of "good health," you might write "freedom from arthritic pain" or "more energy."

Do not feel pressured to write the list all in one sitting; take some time to allow things to bubble up from your soul. Organize the list in any way you would like, but make sure you determine which items are more important to you than the others are. You may want to write the list, and then take a few days to think about it. Finally, review it one last time; re-arrange priorities, or adding and subtracting items as needed.

Because your needs and life situation may change, your list will remain flexible and will change as time goes by. Try to remain open to these changes, even if it means rearranging your list of dreams. Perhaps a simple, mild change to an item is all that is necessary in order to keep up with the times.

Work the Plan and Plan the Work

Now that you have a list, the next step is to determine a means of visualizing or imagining that outcome, and putting that image out into a work plan.

Each of us must take personal responsibility for attaining our happiness. While I firmly believe the Universe can help us manifest our dreams, we must be ready and willing to do whatever is physically necessary to move us in the right direction. As Goethe said, "Until one is committed, there is hesitating, the chance to draw back, always ineffectiveness. Concerning all acts of initiative, there is one elementary truth, the ignorance of which kills countless ideas and splendid plans: The moment one definitely commits oneself, Providence moves too. All sorts of things occur to help one that would never otherwise have occurred. A whole stream of events issues from the decision, raising in one's favor all manner of unforeseen incidents and meetings and material assistance which no man could have dreamed would come his way." However, it is up to you to use those "incidents and meetings and materials" in order to complete the plan.

The purpose of a business plan, or your plan for passion, for a self-employed person who is financing their own business, is to have a central repository for all strategic thinking about the business for the coming year or two. Here is what should be included:

Your business idea in three sentences.

Your target audience.

The challenges that your target audience faces.

The benefits of using your products and services to meet those challenges.

Your company brand and image.

Your projected revenue and expenses for a year.

If you project more expenses than revenue for the first year, a statement about where the money will come from to pay for those expenses.

A list of your major competitors, and how you are different from them.

At least six marketing techniques you're planning to use over the coming year, when you plan to implement them, and what results do you expect from them.

A list of people who you will need to hire to implement your business plan or marketing plan (unless you have the business skills and time, yourself, to do all the work).

You should review your business plan, and update it, annually. I recommend reviewing the marketing section of your business plan quarterly, so that you can gauge the success of your marketing campaigns.

By following your passions, in writing, putting a plan together and finally executing that plan your love and passion for what your life will look at is now a map to arrive at your destination.

Mel Feller, MPA, MHR, is a well-known real estate, business consultant, personal development consultant and speaker, specializing in performance, productivity, and profits. Mel is the President/Founder of Mel Feller Seminars with Coaching For Success 360, Inc. and Mel Feller Coaching, a real estate and business specific coaching company. His three books for real estate professionals are systems on how to become an exceptional sales performer. His four books in Business and Government Grants are ways to leverage and increase your business Success in both time and money! His book on Personal Development “Lies that Will Sabotage Your Success”. Mel Feller is in Texas and In Utah. Currently an MBA Candidate.

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ourmrmel · 5 years

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Money Saving Success Tips

By Mel Feller, MPA, MHR

Mel Feller Seminars, Coaching For Success 360 Inc. /Mel Feller Coaching

Just about, everyone agrees that they should be saving part of what they earn. However, many fail to do so. They feel that the cost of living is too high; there are too many bills to pay, too many things they need to buy.

All of which may be true. However, the simple fact remains that, no matter who you are or what your income is, you can save. First, you have to decide that you want to save some of your money more than you want to spend it. Next, you have to decide how much you can realistically put aside.

THE MISTAKE MILLIONS MAKE

Many people make the mistake of believing that if they cannot save a lot of money, it is not worth doing. They overlook the fact that even small amounts saved regularly will add up over a period. Suppose you saved just five percent of your income. You would save a full year's salary in less than 20 years (actually quite a few years less because of the interest it would earn in a savings account). If that seems like a long time, remember we are talking about a full year's income! How much less time, would it take you to save $1,000 or $500?

By comparison, what will you have to show for the money you did not save? Look back over the last few years and ask yourself what you would have missed if you had saved five or ten percent of your income. Anything tangible or worthwhile? Anything that would give you as much satisfaction as having that money in a savings account right now? Probably not.

Breaking the habit of spending all you make takes will power. Nevertheless, as your savings grow, little by little, it becomes easier and easier. In fact, it becomes a pleasure. In addition, as you add to your savings, you will be receiving interest that will help your savings grow even faster.

Isn't it true that the things you really want most can only come through savings? Take a moment and make a mental list of the things worth saving for. Is there any sense in dreaming of a sudden windfall, an inheritance, or some other source of instant wealth? Of course not. You know what you have to do--start saving.

A FORMULA FOR SAVING MONEY

The formula is just three words: "PAY YOURSELF FIRST." Before you pay the landlord or the grocer or anyone else, pay yourself--FIRST.

Today's money problems are real. So are our solutions. The theory is simple. If you try to save what is left after paying all of your bills and meeting your other expenses, you will wind up saving nothing for yourself. If, on the other hand, you pay yourself first, you will become a little wealthier every month, and you will still meet necessary expenses with the rest of your income (even if you have to manage your money better to do it.)

If you do not believe it is possible, consider the following. Suppose Congress increased everyone's income tax by ten percent. No one would like it, but everyone would find their paycheck reduced by the extra withholding. After a short period of adjustment, you would pare your expenses so that you were living on less take-home pay. You would have to because the extra money just would not be there anymore.

Paying yourself first works the same way. If you put a certain amount of each paycheck into a savings account before you spend a dime, you "withhold" for yourself. You will soon adjust your cost of living to what is available to spend. Try it with ten percent of your income--or just five percent. You will be surprised to find out that saving does not reduce your standard of living. On the contrary, it improves it. You just cannot go broke when you are saving money.

TRICKS TO BUILD YOUR SAVINGS ACCOUNT

Here are some ideas that will help you save. These tricks have worked for all kinds of people.

Save coins of a designated amount, such as dimes or quarters, from your daily change. Put all such coins into a piggy bank. You will not miss them and you will be surprised how they will add up.

Instead of saving just certain coins, save all of your loose change every day.

After you have paid the last installment on your car or other loan, add to your savings account the same amount you have been paying. You are already in the habit of setting aside that amount every month, so continue to pay it to yourself.

If you get an income tax refund, deposit it in your saving account.

If you receive a cash bonus, use it to open a saving account or to fatten an existing one.

Save your overtime pay instead of spending it.

When you get a raise, save it. You got along without it before. Even a small weekly increase will add up.

Put gifts of money received for birthdays, at Christmas, or for other special occasions into your savings account.

Be sure all your money is working for you. Deposit extra sums of cash immediately.

Adopt a short-term "austerity" program during which you save as much as possible. Buy nothing unless you really need it. Cut out movies, eating out, entertaining or other expenses and deposit what you save.

YOU'LL GAIN IN EVERY WAY

Not only will saving make you wealthier, you will have a greater peace of mind because you will be more financially secure. You will have new respect for yourself. You will find that your entire living pattern becomes better organized. What's more, you will be on the road to becoming a financial success.

WHAT IS FINANCIAL SUCCESS?

Financial success is simple. It is the ability to accumulate money and receive a return on what you save. It is not what you spend or how much you earn that determines your success with money. It is how much you keep!

HOW DO YOU ACHIEVE FINANCIAL SUCCESS?

First, take an inventory to learn where you stand financially. How much do you earn? Where does your money go? How much do you owe? How much have you saved? Only by doing this can you determine your true financial position.

Second, set a goal. Decide how much money you want and when you want to reach your goal. For example, let us say you want to have $5,000 saved in five years. Put this goal in writing. Now you have committed yourself to a definite objective.

Once you have created this goal, use every means in your power to achieve it. As you work toward it, you will receive the thrill and satisfaction of a job well done. You will be managing your own affairs. You will have earned a feeling of independence that nothing can take away from you.

Many people say they find it impossible to save any money because they have too many places where they must spend their income. Even these people can save if they really want to. The most important factory in saving is a burning desire to succeed with your money. You must decide you want to save more than you want to spend.

TO SAVE BETTER YOU ALSO HAVE TO SPEND BETTER

People who have learned the secret of saving usually have also learned to spend better. They work from a definite money management plan that keeps expenses under control that makes every dollar serve a purpose. If these ideas don't seem to work for you--if, after paying yourself first, you wind up in the hole and have to borrow back what you've saved--go back to the basics of a sound financial plan. You will find there are plenty of leaks in your budget that can be plugged so that you won't constantly be needing the money you've just saved.

IT CAN BE DONE!

Others have done it. You can do it too! If you are really determined to succeed at saving money, you will do it.

Mel Feller, MPA, MHR, is a well-known real estate business consultant and speaker, specializing in performance, productivity, and profits. Mel is the president of Mel Feller Seminars with Coaching For Success, Inc. and Mel Feller Coaching, a real estate and business specific coaching company. His three books for real estate professionals are systems on how to become an exceptional sales performer. His four books in Business and Government Grants are ways to leverage and increase your business Success in both time and money!

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ourmrmel · 5 years

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Budget Finance Budgeting & Financial Tips

By Mel Feller, MPA, MHR

Mel Feller Seminars, Coaching For Success 360 Inc. /Mel Feller Coaching

In order to create a budget, also known as your cash-flow plan, you will first need to find out where all of your money is going. You will need to find any mortgage or rental statements along with any insurance, homeowners or renters, payments and utility bills. Have a car loan? The amount you are paying per month will be needed. Bank and credit card statements are usually available online with up to three months of transactions, so reviewing these will help remember and organize recent expenses – so they can be placed on the budget if appropriate. For those of you that have not been tracking expenses before – you may be surprised by what you find.

Remember, this is just a quick start budget – you may not have all the information so if you do not have exact numbers your best guess will do. Once we get some of the basics down, we will move onto a much more detailed cash-flow plan. However, for now…let us keep it simple.

As you move forward with the budgeting process, begin collecting and noting all expenditures and try to categorize them as best you can right away. Having this information as early as possible will be a huge help when it comes time to completing your much more detailed cash-flow plan.

Budget tip #1. Be realistic with your budget. Sure, we could all save a bundle if we did not have to eat or entertain ourselves. You can cut your grocery bill by up to 15% or so, but a 25% or more reduction in spending is just unrealistic. Plan on budgeting some money for entertainment, everybody needs some reward.

Budgeting tip #2. You are budgeting your money to save money. You are doing this for a reason - make it count. Try to save at least 5% of your income each month in your budget.

Budget tip #3. Track your actual spending. Do not fall into the trap of setting up a detailed budget and then forget to track against it. Track your spending daily, weekly, fortnightly, monthly, hourly, whatever - just make sure your budget is tracking what you actually spend!

Budgeting tip #4. Make a list of free things to do each month. A concert in the park, hiking on the weekend, volunteer time at a soup kitchen. Be creative.

Budget tip #5. Correcting bad spending habits. You have invested your hard-earned money, into a budget spreadsheet or budget software, now make it pay off. How do you correct bad spending habits? Discipline and learning from your past mistakes.

Budgeting tip #6. Plan for the unexpected. Make sure you budget for putting aside some emergency funds for unexpected events, medical bills, automobile repair, loss of employment, etc. I recommend at least $1,000.00

Budget tip #7. Do not panic. If you spend more than you make in a given month, treat it, as a lesson learned, not the end of the world.

Budgeting tip #8. Reward yourself. Try to reward yourself at the end of each month for a job well done. This will help you stick to your budgeting goals in the future.

Budget tip #9. Stick with simple budgeting tools. Do not get lost with the latest and greatest budget software that has the most bells and whistles. The more robust the budget program, the more confusing. Keep it simple.

Budgeting tip #10. Do not let your budget rule your life. The world is stressful enough today, it does not need any help from you. Stick to your budget as best you can, learn from your mistakes and try to improve every month.

I hope that these budgeting tips have given you the tip that will aid you in your budget goals!

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ourmrmel · 5 years

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Successful People Never Make the Same Mistakes Twice

By Mel Feller, MPA, MHR

We all make mistakes but the people who thrive from their mistakes are the successful ones.

“Never go back.” What does that mean? From observations of successful people, clinical psychologist and author of Never Go Back: 10 Things You’ll Never Do Again (Howard Books, June 2014), Dr. Henry Cloud has discovered certain “awakenings” that people have—in life and in business—that once they have them, they never go back to the old way of doing things. Moreover, when that happens, they are never the same. In short, they got it.

So, what do Successful people never do again?

Return to what has not worked.

Whether a job, or a broken relationship that was ended for a good reason, we should never go back to the same thing, expecting different results, without something being different.

Do anything that requires them to be someone they are not.

In everything, we do, we have to ask ourselves, “Why am I doing this? Am I suited for it? Does it fit me? Is it sustainable?” If the answer is no to any of these questions, you had better have a very good reason to proceed.

Try to change another person.

When you realize that you cannot force someone into doing something, you give him or her freedom and allow them to experience the consequences. In doing so, you find your own freedom as well.

Believe they can please everyone.

Once you get that it truly is impossible to please everyone, you begin to live purposefully, trying to please the right people.

Choose short-term comfort over long-term benefit.

Once successful people know they want something that requires a painful, time-limited step, they do not mind the painful step because it gets them to a long-term benefit. Living out this principle is one of the most fundamental differences between successful and unsuccessful people, both personally and professionally.

Trust someone or something that appears flawless.

It is natural for us to be drawn to things and people that appear “incredible.” We love excellence and should always be looking for it. We should pursue people who are great at what they do, employees who are high performers, dates who are exceptional people, friends who have stellar character, and companies that excel. Nevertheless, when someone or something looks too good to be true, he, she, or it is. The world is imperfect. Period. No one and no thing is without flaw, and if they appear that way, hit pause.

Take their eyes off the big picture.

We function better emotionally and perform better in our lives when we can see the big picture. For successful people, no one event is ever the whole story. Winners remember that—each day.

Neglect to do due diligence.

No matter how good something looks on the outside, it is only by taking a deeper, diligent, and honest look that we will find out what we truly need to know: the reality that we owe ourselves.

Fail to ask why they are where they find themselves.

One of the biggest differences between successful people and others is that in love and in life, in relationships and in business, successful people always ask themselves, what part am I playing in this situation? Said another way, they do not see themselves only as victims, even when they are.

Forget that their inner life determines their outer success.

The good life sometimes has little to do with outside circumstances. We are happy and fulfilled mostly by who we are on the inside. Research validates that. In addition, our internal lives largely contribute to producing many of our external circumstances.

In addition, the converse is true: people who are still trying to find success in various areas of life can usually point to one or more of these patterns as a reason they are repeating the same mistakes.

Everyone makes mistakes…even the most successful people out there. Lord knows, that I have, however, what achievers do better than others is recognize the patterns that are causing those mistakes and never repeat them again. In short, they learn from pain—their own and the pain of others.

A good thing to remember is this: pain is unavoidable, but repeating the same pain twice, when we could choose to learn and do something different, is certainly avoidable. I like to say, “We don’t need new ways to fail….the old ones are working just fine!” Our task, in business and in life, is to observe what they are, and never go back to doing them again.

Mel Feller, MPA, MHR, is a well-known real estate, business consultant, personal development consultant and speaker, specializing in performance, productivity, and profits. Mel is the President/Founder of Mel Feller Seminars with Coaching For Success 360, Inc. and Mel Feller Coaching, a real estate and business specific coaching company. His three books for real estate professionals are systems on how to become an exceptional sales performer. His four books in Business and Government Grants are ways to leverage and increase your business Success in both time and money! His book on Personal Development “Lies that Will Sabotage You Success”. Mel Feller is in Texas and In Utah.

#success #Coaching For Success 360 #Successful people #successful people never make the same mistakes #everyone makes mistakes #chose to learn #do something different #recognize patterns #the big picture #due diligence #trust someone #exceptional people #mel feller #mel feller in Texas #mel feller in Utah #mel feller seminars

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