Crony Capitalism – How Bad Has It Gotten In The US?

We all know the problem of the revolving-door in our political leadership and bureaucracy. Folks are in and out of government, keep their contacts and make a fortune from the known reality: it’s not what you know but whom you know. The problem with all this is exactly what Adam Smith warned us about; the incestuous relationship between government and business. Corporations in the US are large and powerful, and have and hire the best talent, retain and control endless resources – these corporations do not NEED government favors, nor does their executive leadership, they are doing fine.

To secure the most optimum efficiency in our economy, we must keep the free-market as free as possible, when we allow a skew due to political favors or inside information, or allow lobbyists to the run the table, often at the expense of the people all we do is prove the cynics correct that; the game is rigged. Perhaps this is why Donald Trump has promised to; Drain the Swamp. And, he’s human too, I have no doubt he will drain the left-side of the swamp first, but it’s still a good start. The trick is to set a new set of rules, lay down the letter of the law, and move forward.

In Harvard Business Review, December 2013 Issue, there was an interesting article titled; “Unwinding Inequality” and in that article was a quote by Angus Denton; “When people use their success to change the rules in their favor, that success is no longer to be celebrated.”

“Yes,” I say, “Indeed.” But let’s take this argument to a higher level shall we. First, I find it rather hypocritical to read of this in the Harvard Business Review, as most there believe in the concepts of Adam Bellow who wrote the book “In Praise of Nepotism” which might explain why all the Supreme Court Justices went to Ivy Leagues, Harvard or Yale, some both. Worse, look at the academic records of the last 5-presidents of the US, and a darn good many senators, and heads of major bureaucracies, corporations and NGOs.

Second, if we dissect that quote, it talks about “success” and the concept of changing the rules once one, a group or corporation gains in the synergy of their own success. Well, isn’t this really the same challenge with guerrillas or terrorists attacking the status quo, authority and government – if they succeed, they are then in control and then they inevitably seem to use the same so-called tyrannical methods of ruling that their predecessors had before they ousted them – thus, the word “revolution” as it just goes round and round as another group comes along to then unseat their new authority.

Now, one can see a similar process in business and industry. For instance, read;

1. “Rule Makers and Rule Breakers,” by David Garnder
2. “First Break All the Rules,” by Marcus Buckingham and Curt Coffman
3. “The Innovator’s Dilemma: The Revolutionary Book That Will Change the Way You Do Business,” by Clayton M. Christensen

Once the company garners market share synergy, and industry status, it moves to change the sector’s associations to lobby to get the rules and regulations changed to its way of doing things blocking future disruptive competitors from coming along to change the industry just as they had to get to where they are today.

The easiest way to do that is through crony-capitalism, campaign contributions, public-private business partnerships, which also leads to selling goods and/or services to the government and secure a free flow of money to further continue their dominance by playing with the political elite – who all went to Ivy League schools. Thus, I find it so fascinating that HBR (Harvard Business Review) had the gall to even publish that article – due to the obvious hypocritical nature of the norm which comes from that elitist institution. Please consider all this and think on it.

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The Obstacles Home Business Owners Face When They Start A Home Business

If you have made up your mind and you are 100% certain about starting a home business, then you might have in mind what product or service you want to market. You should also know that for the first two years you will be devoted to making your business grow. If you are willing to take a huge risk such as this, you will need to be motivated, determined and confident. There are numerous obstacles that you could run into if you don’t take the necessary precautions.

To work your way through the start-up of your business you will need to take the following steps

SWOT analysis (Strengths, Weaknesses, Opportunities and Threats). By knowing and using this method, you will be aware of what competition you are facing, where your business can grow, and you will get a better understanding of the business market.

Form a business plan. Forming a business plan can be overwhelming and slightly confusing. A business plan should include the audience that will be looking at your plan, an outline of the business plan, a collection of research and data, a general abstract of the market, an inquiry profile, finances, and finally the executive summary.
Funds for the business startup. Do you have the resources needed to start the business or do you need to find the money or money lender?

Naming your business. What will be the name of your business? This is a crucial and significantly important element.

Electing your business structure. Sometimes people get confused due to the business types. You will need to elect the right business partners. The choice you make will cause an impact on your business.

The license and permit. This entails registering your business, you might also need a business identification number, and may also include other tax licenses and zoning permits.

The location. This step also entails many minor tasks such as finding the right location for your business, buying office supplies and equipment and designing your business place.

The insurance. You are responsible for any risks associated to your business. Getting a business insurance will protect your office of any disasters or litigations that could occur.

Lastly, create an accounting system. Many individuals that want to start their own business tend to fail because they get caught up with location and buying supplies and other details that they forget to keep an account of money going in and out. A good option would be to hire a professional accountant that will keep track of the businesses finances.

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The Importance of Family Love

I wonder if someone could explain this in words. No not at all, it is not easy to hold the weight of words describing family love. Yeah but someone can do the job nicely! The one who has departed from his family members or the one who is unable to see the beautiful faces of his parents and siblings. The one who has pulled up stakes from his family will surely realize later, that he has lost something worth caring. They all can feel the importance of Mother love in it’s intense form. They can realize the importance of father’s intimacy and the confidence of sharing tales with one’s siblings.

Though sometimes out of anger and wrath we behave unfriendly but it does not mean that we don’t care for each other. Family quarrels are bitter things but are of least importance. We should not care about these few bitter memories but rather we must think about the existing love within our family members.

Actually a family is the building block of a society. Many families when combined give rise to a social network. If the building block of a society is scattered then imagine the bitterness that spoils the whole society! But if the family members are linked to each other with the strong bonds of love and intimacy, a prosperous society will be developed.

Family members are amongst those few people in this present day world, who will genuinely worry about you. They will always be there for you, to fall back upon when you have been disillusioned with the outside world. Though at times it feels that they are interfering too much in your life, it’s only because they care for you. If sometimes you feel bad about them, do focus on your mistakes and errors and be sorry for them.

In family life, love plays the role of a magic bullet which helps you to overcome all the difficulties that come across your path. You are able to share all your sorrows and pleasures also with people who really love you and care for you! The love of your family is your ultimate confidence and strength, so take care of your family members and truly love them before it’s too late and you have to repent on your carelessness.

“There’s no vocabulary for love within a family, love that’s lived in but not looked at, love within the light of which all else is seen, the love within which all other love finds speech. This love is silent.”

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How to Live a More Exciting Life With Network Marketing

If you are a network marketing professional then you have the ability to live an amazingly exciting life. In this article, we are going to talk about how to live a more exciting life with network marketing.

When you are working in network marketing you have the ability to be working from anywhere in the world now that we have the internet. There is no reason to be constrained to one area of the world. We can go anywhere in the world and still support our teams and show people how to be successful in our organizations.

If we don’t design it is not going to happen. If you do not know where you want to go, what you want to do and how you want to do it, it’s not going to happen. This is why we need to create dream lines. We need to know what we are going to fill our free time with once we create it. If we don’t know what we are going to do with the free time, we will find something to fill it.

The biggest trap is getting addicted to working for work’s sake. Instead of working for work’s safe we need to create systems that will work for us and fill our time with things we enjoy doing. What are some hobbies that you have? What are some causes you want to help with?

Network marketing allows us to live any lifestyle that we want to live and create passive, residual income but we have to tell life what we want. It is not enough just to have a dream board. You have to have a game plan.

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Fun Games to Play With Children, 10 Spontaneous Games to Enrich Their Lives

1. NATURE BRACELETS

For Ages: 1-5

You can start your little one’s exploration and appreciation of nature with this game of making a masking tape nature bracelet. They’ll notice all the lovely color and shape variations there are in petals and leaves and adorn their wrists with beauty.

MATERIALS:

Masking tape

Leaves and flower petals

DIRECTIONS:

Wrap a piece of masking tape around your child’s wrist, sticky side up, and then go exploring to find wonderful leaves, beautiful flower petals and other interesting things to attach to the bracelet.

Before bedtime, snip the bracelet off and attach it next to his bed or somewhere in view so he can admire his work and remember his fun time.

2. RING OF STRING

For Ages:3-10 years

In this game, children are encouraged to really look closely at one spot and see all there is to see. There is a lot of pleasure to be had from noticing the tiny wonders of nature that are in our own back yard.

MATERIALS:

String

Magnifying glass or jar with water in it (optional)

DIRECTIONS:

Make a small circle on the ground with the string. Look carefully at the enclosed area with your child and notice what is growing there. Pull out a weed or blade of grass and see what the roots looks like. Is there a seedpod in the area? What’s inside?

Poke a hole and see if there are any insects around. What are they? What are they doing? Use a magnifying glass or a jar with water in it and look at different things up close.

Gather small things to examine and collect such as pinecones, acorns, petals, seeds, bark, leaves and pretty pebbles.

3. A SPOTLIGHT IN THE DARK

For Ages 1-5 years

Babies are fascinated with anything new. It’s fun for us to be with a little one when she discovers something for the first time. In this game it’s the delight of a flashlight in the dark

MATERIALS:

One or two flashlights

DIRECTIONS:

Keep the lights off in the room that you are in and scan the room with a flashlight, spotlighting different familiar things. “Look there’s the television. Here is the table and there is your high chair.”

You know your little one is going to want a chance to hold the flashlight. Let her. She can shine it wherever she wants or she has to find, with her flashlight, an object you name.

As she gets older and more coordinated, continue this game, but this time you both have flashlights and you encourage her to “catch” your spotlight. You move your spotlight around the room and she has to move hers so it “catches” yours by covering your spotlight with hers.

Your turn to chase next.

4. THE KNOCKING GAME

For: All Ages

Listening to and identifying the different sounds objects make when you knock on them is a game that can be played at any time. When you want to change the focus of fussing children, try saying: “Hey, let’s play a game. Close your eyes and see if you can tell what I’m knocking on. No peeking”

MATERIALS:

Common objects found around the house

DIRECTIONS:

Ask your player to close her eyes and turn her back to you. Then see if she can guess the object you are knocking on with your fist (or a spoon). Start with easy things such as a table and a window, and work towards sounds that are harder to identify, such as knocking on a book or lamp.

Take turns being the identifier and the “knocker”.

5. TOOTHPICK ART

For: All Ages

There are many ways to teach the hands to have more finesse. This is one of them that you can play together.

MATERIALS:

Toothpicks, plain or colored

DIRECTIONS:

Make an abstract design by laying toothpicks out on a table or floor, with each player adding their toothpick to the design. The first player puts down one toothpick. The next player adds his at just the angle that seems pleasing to him. The next person then adds theirs to that design and so on and so on until an interesting design is formed.

Instead of an abstract design, you can make a specific scene. For example, make a house with a picket fence and trees.

!It takes concentration to pick up a skinny toothpick and decide the best place to put it. Placing each toothpick down carefully and trying not to jiggle the design encourages awareness of hand movements.

It also develops the pincer grasp, the small muscles that control the index finger and thumb.

But mainly, it’s fun to make art together.

6. TOE STEPPING

For: All Ages

Here’s a fun and silly game that requires concentration and quick movement. Try it sometime at a birthday party gathering, when you want to redirect excess energy, or when the kids are bored and want something quick and new to do.

MATERIALS:

None but fancy footwork

DIRECTIONS:

Two people, both barefoot or in stocking feet, face each other and hold hands. Each person tries to step on the others toes while at the same time keep their toes from being stepped on.

You might remind the players to step lightly on each other’s toes so that others will do the same to you. In other words, follow this game’s Golden Rule: Step on others as you would want to be stepped on.

Concentrating on both keeping out of the way and going for the goal is a kind of trial by fire. Pressure on their foot lets them know when they weren’t paying close enough attention!

7. BALLOON BASEBALL

For Ages: 1-5

Baseball may be fun but those balls can hurt and are hard to hit. For young ones, use a balloon!

MATERIALS:

Balloon

Bat: Make a bat out of anything handy, such as the inside cardboard tube of a paper towel roll or a rolled up section of yesterdays newspaper secured with tape

DIRECTIONS:

. Give the bat to your player and toss the balloon to her. The slow movements of a balloon floating towards her gives her plenty of time to line up her bat, swing at the ‘ball” and get the satisfaction of “connecting.”

If there is just the two of you, take turns being the pitcher/catcher and the batter.

If there are other players, their job is catching the “ball” as it leisurely floats down. Who ever catches it can have the next turn at batting or give it to someone who hasn’t had enough turns.

After everyone gets all the turns they want, you can change the game to “Golf”. Use boxes turned on their sides as “holes” and players see how many strokes it takes to hit the balloon in the box.

8. BACK WRITING

For Ages: 5-12 years

Writing invisible letters on a child’s back a fun way to write a secret message.

MATERIALS:

Paper

Pencil

DIRECTIONS:

One person sits with his back to another and a pad of paper and pencil in front of him.

The other person, using his finger, “draws” a letter on the person’s back.

At the same time, that person draws on the paper what he thinks is being drawn on his back.

Keep writing letter by letter until a whole message is given. The message could be a clue to where a treat is hidden!

Take turns so both the writer and the person written on get to experience what it feels like.

Have an older child play this game with a younger sibling as a fun way to help him learn his letters.

9. SELF PORTRAITS

For Ages: Teens

Many teenagers go through a phase where they become fascinated with their reflection in the mirror, especially during the period when their faces make that change from a child’s to a young adult’s.

In this activity, you and your changing child can take advantage of this fascination by drawing your mirror reflection

MATERIALS:

Mirror

Felt tip marker

Paper (optional)

DIRECTIONS:

Both of you sit facing a mirror and draw your reflection directly on the mirror using a felt-tip marker.

You can also draw each other’s on paper but don’t look at the paper until the drawing is done. This often gives a kind of Picasso look to the work

10. SHOE MOUNTAIN

For: All Ages

When the kids are bored but antsy with energy, here is a quickie that is guaranteed to win the hearts of all ages. Your twelve year old will l be just as excited to play this game as your two year old.

MATERIALS:

Shoes

DIRECTIONS

Pile all the shoes you can readily find in a pile in a large cleared out space in the room. Tell the kids that this is not a pile of shoes (silly them to think that!) but is actually a huge mountain and they have to start from a distance away and run towards the mountain and then with one gigantic leap, make it over the top of the mountain to the other side.

It adds to the thrill if the others provide a drum roll–slapping their hands on the floor or on a table or on their knees as the next Leaper makes her run and then when that person is in the air, call out her name!

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5 Benefits Of Using Security Tags

If you go to most of big retailers, you will see that they have electronically tagged their expensive goods. It’s possible to tag all the products including beauty products and alcohol. Usually, retail stores use security tags to secure items that are most commonly stolen. As a matter of fact, security tags offer a simple solution for businesses to secure their stock. Read on to know more about it.

How security tags work

In simple words, security tags are designed to send an alert when products at a store are moved through a security barrier. These tags are put on the product packages. When a shoplifter tries to steal the package and passes through the barrier, the tag will turn on the alarm sending an alert to the security.

The staff at the store can detach or deactivate the tags for their customers. So, their genuine customers won’t face any embarrassing situation. The fact of the matter is that these tags prevent shoplifters from lifting stuff from retail stores. As said before, these tags can be used on any product sold at the stores. Given below are 5 major benefits of these tags.

5 Great Benefits of Tags for security

1. Affordable

Since security tags are sold in bulk, you can get discount when buying them. While they may cost you a good amount of money, you will save a great deal of money in the long run. The protection you will get is worth the investment. That’s the reason the product is an effective solution for small as well as large businesses.

2. Ease of use

The great thing about the product is that it is very easy to use. This means that you can use them on a wide range of products. While they are easy to apply, they can’t be removed without a special device called a deactivator. So, the shoplifters won’t be able to remove them.

3. Easy deactivation

With a deactivator, it’s easy to remove the tags in a few seconds. So, your customers don’t need to wait for the tags to be removed before they leave your store. Unlike other gadgets, security tags are not complex items.

4. Peace of mind

With security tags on each product at a store, the staff and customers will have a peace of mind. All the staff at a store will be able to focus on their jobs as they will have peace of mind that any attempt to steal the products will be detected. Moreover, the customers will also be satisfied that they are in a safe store.

5. Reliability

Security tags are very reliable as they can’t be removed without the special device known as the deactivator. Once the deactivator is removed, the tag won’t set the alarm off when the customer will pass it through the security barrier. So, the devices are 100% reliable. There will be no surprises.

So, if you run a store and want to improve the security system at your store, you may want to consider installing tags.

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How to Make Social Media an Asset for Your Network Marketing Business

With many different social media platforms to choose from, your head may be spinning and you could be confused about which ones to use and why you would use them. In this article, we are going to talk about how to make social media an asset for your network marketing business.

Network marketing is very much a business of influence and emotion. If people don’t feel like working with you or they don’t feel like buying from you then they won’t. There are plenty of other people they can find your product and service through and that is why you want to use social as an asset to get in front of more people and help them choose you.

Building Know, Like & Trust

If people feel like they know, like and trust you because they have been following you on social, they are much more likely to buy from you than someone they just met. Social media can be used to share inspiring messages, family photos, dreams, and goals. Share these things with people and you they will be more likely to do business with you. This is one of the ways to make social an asset for your business.

Getting In Front of More Eyeballs

Social media helps you get in front of more people. Having a consistent social presence will help you leverage this virtual real estate to share your message with people. Instead of having to run around all over the place in your car, you can find people through social media and generate sales and new team members online.

It is very simple to be able to build social media into an asset but you have to be consistent. You at least want to post once a day so that you can stay top of mind with your audience.

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Credit Card Processing

The credit card is a commonly used financial tool and its use forms an important part of personal finance. A credit card though simple to use has a networked system and structure that enables payment through a plastic card with minimal chances of misuse and fraud. The credit card industry mainly comprises of:

  • Card Provider: Cards providers are very few in numbers. Some of the known credit card providers are: VISA, MasterCard, JCB, American Express etc. The logos of these card providers are what we very often see on entry to a store.
  • Card Issuers: financial institutions such as banks issue a MasterCard or VISA or any other card to card holders. This card will have logos of both the financial institution and the card provider.
  • Card Acquirer: The card acquirer processes the cards accepted by any store and this service is known as credit card processing or merchant account services.
  • Merchant Account: The merchant or stores have an account with a credit card processing service to enable credit card payments in their store.

Every credit card transaction initiates a flow of information and exchange of money between the credit card processing organization, card issuer and the merchant account authorized and conducted by the credit card provider.

Credit card processing services do not limit their services to acceptance of credit cards alone but also enable the processing of various payment mediums such as: debit cards, electronic cheques, gift cards and other forms of payment.

The credit card processing organization performs the key task of authorizing the credit card when presented to the merchant instantly. The credit card processing organization then debits the card issuers account and credits their account with the amount of purchase made by the card holder.This implies that the card issuer pays the card processing services for the transaction. The card services organization then makes the payment to the merchant after deducting a transaction processing fee.

This is the procedure followed for every credit card transaction and it is made easy for you due to the efficiency of various parties that are involved in making credit card transaction an easy process.

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Financial Mistakes Business Owners Make and How to Avoid Them

Cash is the lifeblood of a business. No business owner wants to see their business struggling because of lack of funds or in debt due to mismanaged finances. What they want to see is a regular flow of profit but this is easier said than done.

With many years of experience as chartered accountants and business experts, we’ve seen many financial mistakes that business owners make. Here are some of the most common mistakes and how to avoid them:

Not having a business plan including clear financial goals

Business planning is very important. If you want to be successful in your business, you need a roadmap. It is also important to set clear goals and targets. In particular, you need to have financial goals that will help you measure how well your business is doing. Furthermore, your financial goal should be clear and realistic. Goals should be phased – weekly, monthly, quarterly or yearly. You also need to involve your whole organisation in your business strategy. Give your team goals to aim for.

With these plans and goals in place, you will have a clear view of how your business is performing which will eventually help you make important financial and growth-management decisions.

Not keeping proper financial records

This is one of the most common mistakes of business owners and also the most crucial. Most business owners are so busy focusing on managing their business that they neglect the importance of financial record keeping. If you don’t have time to update your financial records, hire an expert to do it for you, such as a Chartered Accountant. They can set you up with proper systems and help process your transactions accurately.

Combining business capital and personal finances

Some business owners, especially those who are struggling with their business capital or finances tend to merge their personal savings with the business. Business owners should avoid doing this, as it will only make it more difficult to track how much money the business is making. Also, it complicates IRD and tax obligations.

Starting too big

Starting a business can be overwhelming. You put everything in that you have before you actually start. You may rent an office or other space and hire employees thinking about the future. You want to start big. But you have to understand that starting big doesn’t necessarily ensure your future success. It may put undue pressure on you and your business. The best thing to do is to start small and once your business becomes financially stable, you may then consider expanding. Make sure that your expansion can be justified by your profits.

Not having an expert to assist you with your finances

Accounting, bookkeeping and tax compliance – these are just some of the financial responsibilities that you need to take care of when you start a business. These are critical and timely business processes. But some business owners are so busy managing their business that they often neglect these. You don’t have to stress yourself in thinking and doing everything. You can hire experts to do it for you.

Some business owners are hesitant to hire experts to do these things for them and only realise they need help when it is too late. So hire a trusted Chartered Accountant to help you with your finances so you can focus on your business, as well as having more time to relax.

These are just some of the common financial mistakes that business owners make. Make sure to avoid these financial horrors to ensure the success of your venture.

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10 Important Things To Keep In Mind Before Starting An Online Business

These ten factors may not necessarily appear in the same order as listed below but certainly, they are vital for the issue at hand.

HERE ARE THE TEN QUESTIONS TO ASK YOURSELF:

1. What type of online business do I want to engage in?
2. What do I have on offer that will be better than my Competitors in my niche?
3. Do I need to prepare a business plan for my business?
4. How much will it cost to set up my business?
5. Is my business online based or BOTH online and offline?
6. Do I need a dedicated website for my business and how much will it cost?
7. How will I market my business whether online or offline?
8. What is the right strategy to use to market my business?
9. Am I getting value for money in advertising my business?
10. Am I reaching the right audience with my advertising?

Having a positive answer for all these questions can only lead you to the next stage of your pursuit of running an online business.

Engage yourself in research into the business you want to get involve in and have a go at it. Take for instance, the Mobile Phone Industry. Statistics have shown the total number of mobile phone users worldwide from 2013 to 2019. For 2017 the number of mobile phone users is forecast to reach 4.77 billion. Customers and potential customers use their mobile phones to browse the internet for Products and Services more than a Laptop or Desktop computer, so it make sense for business owners to utilize this piece of technology for marketing their products and services. This could suggest that there is an opportunity to tap into the mobile app industry to meet the needs of these businesses requiring mobile apps.

Millions of apps for almost anything you can think of, are now in circulation whether for free download or at a cost. You might ask, why don’t I have a slice of the pie and start a mobile app business? The excitement kicks in, but one has to have some kind of knowledge about the whole App design process. This will probably force you to dig deeper into your research on the whole aspect of mobile app development. With this being established, my first question is answered; through study and research, you have made an informed decision to get involved in Mobile App Design and Development. But, what will you be offering that will be better than your Competitors? This is not a simple question to answer, but to say the least, strive to offer quality products and services to customers, and simply make your Products and Services more affordable while maintaining quality.

Starting a business without some kind of a business plan is like driving onto a very long motorway with 1/4 tank of fuel, with the hope that it will take you to the next service exit. The business plan will give you a breakdown of what you need for the business even though success is not guaranteed, as there are a number of opposing factors along the way.

There are a lot of businesses with little or no startup cost as opposed to other businesses with huge startup cost. It also depends on whether your business will both be online and offline. You have to decide if the business you want to indulge in, has minimal startup cost.

To setup an online business, does not have to cost an arm and a leg, if you take the time to do extensive research into the business you want to get into.

If your business is online based, advertising it to the right audience can be a huge task. Finding the right sources to advertise your business, can be quite challenging and risky as this is where you can spend huge sums of money to advertise, but yet get little return on investment if the advertising strategy is wrong.

Advertising a business to a targeted audience involves a number of factors like;

1. Google Indexing
2. Search Engine Optimisation (SEO)
3. Domain Authority (DA)
4. Page Ranking (PR)
5. Back links
6. Social Media
7. Joining Forums
8. Blogging
9. Google AdWords
10. Google Analytics
11. Keywords Research

To do all of these stuff can be demanding and boring, but if you need success in any business, you just have to get on with the task at hand.

Handing over this challenging task to an SEO Expert can be quite expensive. If you put the time and effort in and do your research and utilize the available SEO tools on the Market, believe me, you can bring your online business to life without ‘breaking the bank’.

To conclude, I would say to minimise business startup costs, try to do as much as you can yourself. When you have exhausted all avenues, seek help.

I did not need any website design experience to build the Apptitecture’s website. Therefore, not having to ask a web designer to build a website, has saved me some money which I was able to channel elsewhere in the business. Starting an online business can be quite daunting but with hard work and determination, you can have a successful business in the end.

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