As with personal credit cards, business cards can be dangerous if you do not use them responsibly. High interest rates and fees can add up. But if your business needs a little leverage and you do not have more favorable options, a small-business credit card can be a valuable tool both to get your business up and running and to streamline your handling of operating expenses.

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Imagine if you could become a millionaire. How great would it be to have the money you need to live the lifestyle you have always wanted? Now imagine if you could do this in your 20s?

Even if you think it sounds like a stretch, it is possible to become a millionaire at a young age. I became a millionaire by age 21. My second millionaire student who followed my program became a millionaire by the age of 23. The most impressive part? He did it all by trading penny stocks.

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Your body language is a fundamental part of who you are; chances are you do not even think about how you stand, sit, and move. You should, of course, because other people instinctively pick up the nonverbal signals you send.

Oddly enough, you also pick up on your own nonverbal signals. Gestures and postures make a dramatic impact on how you think, feel, and perform.

Want to use body language to be an even better you? Here are ten simple ways:

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Today, tens of thousands of people are considering starting a home based business, and for good reasons. On average, people can expect to have two and three careers during their work life. Those leaving one career often think about their second or third career move being to their own home. People who have been part of the traditional nine-to-five work force and are on the verge of retiring from that life are thinking of what to do next. The good news: Starting a homebased business is within the reach of almost anyone who wants to take a risk and work hard.

$1,500 or less to start up

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A full half of small business owners see growth opportunities in the next six months, while 17 percent say they are already seeing that growth.

Only 33 percent say they see no immediately growth opportunities ahead. That’s according to the most recent survey by the National Small Business Association.

According to the National Small Business Associations 2015 economic report (PDF), nearly 75 percent of small business owners surveyed are confident in their businesses — the highest percentage recorded in the last four years. However, there was a relatively less positive outlook among the small business owners on the overall economy than even six months ago.

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With the positive effects of social media marketing becoming more and more apparent, most small businesses have started working on a social media marketing strategy.

One of the main aims of social media marketing is to stay relevant to your audience. This might be harder for small businesses as they have more to juggle, in terms of handling tasks. Social media tools and apps can help reduce the stress of multi-tasking and keep your social media activities consistent. Below are social media tools for small business to help make your life as a social media marketer easier.

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Much has changed since 1994 when the U.S. government implemented an initiative to spend at least 5% of its contracting dollars on women-owned businesses. Today, women-owned businesses in the U.S. account for approximately 9.4 million companies and generate more than $1.5 trillion in revenue nationwide. Although it has taken more than two decades to reach its goal, the U.S. Small Business Administration (SBA) has announced that small businesses  that are majority owned by women earned $17.8 billion in federal contracting dollars, which amounts to about 5% of the $400 billion budget for federal contracts.

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To trust or not to trust. That is a question small and medium-sized business owners often find themselves asking when it comes to relying on certain brands for day to day business operations and other needs.
Keeping their interests in mind, Alignable, a Boston-based platform for local businesses, has launched the SMB Trust Index. It measures companies based on an assigned Net Promoter Score, submitted by contributors on the Alignable platform.

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Many people who work a regular job dream of walking out of their cubicle and starting their own business. And every year, about 800,000 Americans do just that.

Dave Selden is one of them. His business grew out of his passion for beer — glass after glass of it. That is immediately clear when you take a look at a video on his website.

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Over 51% of businesses will fail in their first five years (U.S. Census data), and even 25-30% of venture-backed businesses fail.

If you want to innovate and put yourself out there, you have to accept that every entrepreneurial venture is a risk.

But how can you reduce that risk of failure for your next startup?

Often, it helps to turn to the experience of others, to learn what lessons we can from their failures, and cut the learning curve for ourselves. Even if you feel like you are reaching (or surpassing) your prime, it is never too late! Jeffrey Brotman, founder of Costco, didn't launch that successful company until he was into his forties.

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Everyone by now is well aware that IT networks are subject to various cyber threats, and small and medium size businesses (SMBs) must protect against them just as larger enterprises do. But these threats are not limited to the online world. SMBs also have to protect the IT equipment itself from physical dangers.

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Things to Know About Your Brand New Facebook Page

It blinks, it cries, it drinks from a bottle. That is right, kids, your new Facebook Page can do everything other little dollies can, and even more.

Lets take the beginning of this song and do it nice. And easy.

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According to a December survey of owners by the National Small Business Association, cybercriminals raked in an average of $32,000 from small business accounts.

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You know what they say about free advice: Sometimes, it is not worth the price.

But that does not apply to the folks at SCORE, who provide advice to startups and established businesses. Their advice is free and it often results in businesses that get off the ground and grow.

SCORE was originally known as the Service Corps of Retired Executives, a nonprofit organization partnered with the U.S. Small Business Administration and created in 1964 by President Lyndon Johnson.

Now, it is just known as SCORE.

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Cell phones are ubiquitous, and tend to be important if not necessary to own. Yet sometimes the cost of owning and using a mobile phone can get out of hand. And the prevalence of daunting cell phone bills only grows as more and more apps and functions that use data come into popular use.

The high cost of mobile data is a familiar problem for many; too many of us have run up against exorbitant bills after underestimating just how much data we have been using. And, for those with restricted monthly data allowances, exhausting the monthly supply of data can be irritating or even crippling for those who often depend on data.

10 Ways to Cure Your Mobile Phone Bill

Starting your own business is exciting, hectic, and frightening all at once. You are laying it all on the line, and your to-do list stretches seemingly for miles. Whether you are still in the planning stage, writing up a business plan, or ready to open for business and hit the ground running, it’s tough to do everything by yourself.

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Although your small business needs a healthy amount of software to conduct operations, it's not necessary for you to spend a fortune on web-based products. In our comprehensive testing of business and consumer software, we have come across dozens of incredible and free solutions that can help you get the job done. We've tested free tools in almost all facets of business—from email marketing to endpoint protection to project management.

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If you think so, or at least want to explore the idea, SCORE and our mentors are ready to assist you confidentially and at no charge. It’s a long, winding road to entrepreneurial success. The more advocates you have, the better chance you have to realize your dream.

Do not go into business if you know little or nothing about it.

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SCORE provides free mentoring to hundreds of business owners in Southern Arizona every year. Many of those business owners are just starting a new business. Here are some of SCOREs tips to consider before you open a new business:

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Growing up in a large firm with a strong sense of history and culture, I heard a lot about executive presence--what it was, who had it, and what any aspiring leader would need to do to get it. Here is what I found.

What is executive presence?
Executive presence is the combination of communication skills, technical competencies, perspective, and temperament that instill a sense of confidence in a leaders viewpoints and decisions.

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SCORE, the nation's largest network of volunteer, expert business mentors, has gathered statistics on popular small business technology, such as mobile tools and the cloud, while revealing a need for improvement in customer relationship management (CRM) and data security.

Mobile technology is prevalent:

80% of small business owners use a mobile device at least once a day
56% use it for communication and scheduling
30% take notes and create to-do lists
29% check social media
24% bank online

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Until recently, small businesses assumed that they could not access the same kinds of technology and opportunities that big corporations can with vastly greater resources. Rapid technology shifts have led many smaller businesses to expect more from technology.

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Britains vote to leave the European Union is already taking a toll on some small U.S. businesses, with canceled tour bookings in New York and U.K. retailers cutting back their orders from American suppliers.

The plunge in the pound against the U.S. dollar after the vote three weeks ago makes goods and services more expensive for those in the U.K. and means British tourists get less for their money while traveling elsewhere.

Many of the companies are trying to plot a course without clarity on exactly when or how a split may occur.

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Georgia is among many states that are working hard to lure businesses of all sizes — and entice them to stay put. There's no one set formula that makes a state business-friendly, say business owners and experts. Rather, it is a mix of ingredients that, when combined, make a state an attractive place to set up shop.

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The formula for business success is simple but not easy. At the core, once you have your product or service figured out, your marketing plan should be a natural progression.

In fact, we would challenge the thinking that your business plan and marketing plan are one in the same to a certain extent.

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Facebook  is to let small businesses in emerging markets sell to customers for free directly through their Facebook pages, the social media company said on Wednesday, marking a new effort to build up potential advertisers in its fastest-growing regions.

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When it comes to rebranding, what can your small business learn from a manufacturing giant like Sharp Electronics? Quite a lot, as it turns out.

After its purchase by Japanese electronics manufacturer Hon Hai Precision earlier this year, Sharp went through an extensive rebranding process to focus on its home appliance division.

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What defines a small business owner as successful? You might think the obvious answer is one who grows quickly and expands his or her operations. But a recent report by Emergent Research and Infusionsoft found that becoming a big business doesn't equal success for most small business owners.

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There are so many things you need to know about before opening your own business, and it can get pretty overwhelming at times. You need to take advantage of any resources you can find that will help you to get where you need to be, and operate a successful small business, from information on creating business plans to the actual daily operations. Some resources are very helpful, while some are just a waste of time. To help keep you from wasting your time on the not-so-great resources, here are our 9 favorites.

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When you first start a business, you have your work cut out for you. Not only do you have to figure out if you have a viable product that people will actually pay you for, but you have to also find your customers, manage administrative tasks and deal with your staff, if you have one.

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Brands are often associated with large businesses. However, a brand can be used effectively by small businesses as well to increase their profitability. Branding a new business is just as important as insuring your business and knowing when to hire an employee. Your business will not be maximizing its profitability if you are not building a strong brand.

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Of all the elements in starting a new business, location is among the most crucial. But it’s more than just finding a good spot. A prospective startup owner may need to look at different cities in order to take advantage of the potential audience, costs and revenue opportunities.

There is plenty of research out there about what the best cities are for small businesses, and different studies will yield different results, based on their metrics.

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Global mobile traffic now represents roughly 60 percent of internet traffic, making mobile apps a must-have for businesses. But consumers today increasingly expect an Amazon-like experience online. Small businesses do not just need to build a mobile app, they need to build a great one.

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How to Cope with Brexit
For small businesses owners, especially ecommerce merchants already selling (or thinking about selling) to UK consumers, the anxiety lies with unknown costs: what happens when Brexit takes effect? What new regulations or tariffs will be imposed on trade? How will that affect landed costs (taxes + import tariffs + shipping charges) to UK consumers? Will that change a seller's supply chain, and if so, how?

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Small businesses generally face harsher circumstances when it comes to planning and launching a marketing campaign. They have less revenue and capital, which means they’re more limited in the strategies they can pursue. They have fewer resources, which means their teams are smaller and less experienced. And they generally have less data and first-hand experience with which to strategize in the first place.

One of the best marketing strategies for small businesses is content marketing, due to its approachability and affordability, but creating a content marketing strategy can still be an intensive and intimidating process.

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Is your business protected from a data breach? The largest data theft in history:

1.2 billion internet user names and passwords compromised
420,000 websites impacted
Well-known national brands and small companies affected.
Here are ten things you can do to protect your business.

1. Secure sensitive customer, employee or patient data.

Store paper files and removable storage devices (such as thumb drives and CDs) containing sensitive information in a locked drawer, cabinet, safe or other secure container when not in use.
Restrict access to sensitive data to those who have a need to know. Give employees access to only the information they need to do their jobs - whether it's online or in paper form.

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Tai Lopez was born and raised on the wrong side of the tracks but he made choices early on in his adult life to move to the other side.

Today he lives in a massive Beverly Hills mansion, shares his tips for creating wealth and fulfillment on his super popular social media channels and rubs shoulders with the most successful people in the world.

So how did this all happen?

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Great communication skills are a powerful tool to have in your arsenal. Here are eight proven strategies that will improve yours today.

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Perhaps it is time to embrace some new first principles.

Making a first impression is not easy. People are just so sensitive these days. Sensitive about themselves, that is.

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A business that makes the decision to be environmentally-conscious will often promote goodwill among potential customers, while making the world a better place for future generations. Many businesses hesitate to adopt green practices because they fear it will hurt their bottom line and negatively impact profits. But many eco-conscious businesses discover that they can actually save money and bring in new customers who specifically patronize companies that actively make an effort to be environmentally friendly. Many customers may even be willing to pay a bit more for a product or service from a company that is green.

Businesses Going Green

As a general rule, true creativity is lauded across the globe. From the iconic Burning Man Festival, which is held annually in the Black Rock Desert, Nevada, to ever-diversifying International Women’s Day, there are recurring events that celebrate the innate abilities and the creative potential that exists within us all.

Conversely, creativity is typically viewed as an inherently disruptive force in the world of business and commerce. After all, the boldness and distracting nature of innovative thinking is often considered to be detrimental to the basic mechanics of business management, while the endless pursuit of productivity often forces entrepreneurs to eschew creativity in favour of something more reliable.

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As Federal Reserve officials gathered to issue their monthly assessment of the world's largest economy, a new study lays bare the extent to which many small firms are pressed for cash.

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Despite the potential for physical, emotional, and mental stress, you can learn to lead a sustainable and healthy lifestyle as an entrepreneur.

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Millennial business owners depend on social media for brand promotion more than any other medium.

Shocked, right? OK, probably not. But just how much Millennial business owners are using this relatively new media — or how much they don’t use traditional media — may come as a surprise.

New data (PDF) from Magisto shows that 68 percent of Millennial small business owners and entrepreneurs depend on social media channels for developing awareness of their own brands.

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With this tumultuous year behind us, I am fixing my mind on what's to come in 2017. Change is the only constant in life, and with a new administration about to take over--I am truly optimistic about next year since entrepreneurs seem to be looking forward to the potential changes that this new year might bring.

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If you are like most Americans, you’re probably making up a list of new year’s resolutions: lose weight, exercise more, stop smoking, be nicer to your in-laws. While those resolutions may be long forgotten by February, I have got a list of resolutions you will want to keep to help you succeed in your small business in 2017.

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U.S. small businesses are wrapping up 2016 with stronger sales and improved profitability.

Businesses with less than $10 million in annual revenues have experienced, on average, 7.3 percent annual sales growth during 2016, according to a financial statement analysis by Sageworks, a financial information company. That represents the fifth consecutive year that sales have grown more than 7 percent.

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Christmas has come and gone, but anybody struggling to keep a small business afloat or pondering an entrepreneurial venture might be digging under the desiccated blue spruce (take it out, already) for a missed present or two. The good news is that, as tough as politicians make it to launch your own firm, they've recently gifted us with a bit of relief from their depredations—and more may be on the way.

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How Can Small Business Owners Build their Online Presence Using Pinterest?

Pinterest is not just an image sharing site. Small businesses can take advantage of the platform to market their goods and services to over 100 million online visitors. Here is how.

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Asking for that promotion or finally starting your own business is easier with an inspiring read in your back pocket. Plan to pick up one of these books in 2017 to boost your creativity, or learn leadership lessons from the best.

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