Inspiration for Entrepreneurs
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Being a successful entrepreneur is not just about having a great idea – you need to be inspired too. Its easy to lose focus and motivation and even the greatest business minds start to question themselves now and again. Here's some great quotes to get you in the right frame of mind about starting and running your own company.
 “You can't ask customers what they want and then try to give that to them. By the time you get it built, they'll want something new.”
Steve Jobs
“If what you are doing is not moving you towards your goals, then it's moving you away from your goals.”
Brian Tracy
“Great achievement is usually born of great sacrifice, and is never the result of selfishness.”
Napoleon Hill
“Discipline is the bridge between goals and accomplishment.”
Jim Rohn
“Your most unhappy customers are your greatest source of learning.”
Bill Gates
“In the realm of ideas everything depends on enthusiasm. In the real world all rests on perseverance.”
Johann Wolfgang von Goethe
“Coming together is a beginning. Keeping together is progress. Working together is success.”
Henry Ford
“Gratitude is not only the greatest of virtues, but the parent of all others.”
Cicero
“Action speaks louder than words but not nearly as often.”
Mark Twain
“There is only one success – to be able to spend your life in your own way.”
Christopher Morley
“I'd say it's been my biggest problem all my life.. it's money. It takes a lot of money to make these dreams come true.”
Walt Disney
“Many great ideas go unexecuted, and many great executioners are without ideas. One without the other is worthless.”
Tim Blixseth
“Face reality as it is, not as it was or as you wish it to be.”
Jack Welch
“Money won't make you happy… but everybody wants to find out for themselves.”
Zig Ziglar
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Quotes for New Owners
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If you are opening up a new company you will be looking for advice and tips from people who've been there already. With that in mind, we present some great quotes from past entrepreneurs and business people.
“I had to make my own living and my own opportunity! But I made it! Don't sit down and wait for the opportunities to come. Get up and make them!”
C.J. Walker
“I have known not a few men who, after reaching the summits of business success, found themselves miserable on attaining retirement age. They were so exclusively engrossed in their day to day affairs that they had no time for friend making.”
B.C. Forbes
“Sometimes when you innovate, you make mistakes. It is best to admit them quickly and get on with improving your other innovations.”
Steve Jobs  “Statistics suggest that when customers complain, business owners and managers ought to get excited about it. The complaining customer represents a huge opportunity for more business.”
Zig Ziglar
“Nobody talks about entrepreneurship as survival, but that's exactly what it is and what nurtures creative thinking. Running that first shop taught me business is not financial science; it's about trading: buying and selling.”
Anita Roddick
"It's through curiosity and looking at opportunities in new ways that we've always mapped our path at Dell. There's always an opportunity to make a difference."
Michael Dell
"If you work just for money, you'll never make it, but if you love what you're doing and you always put the customer first, success will be yours."
Ray Kroc
“To be successful in business you don't just need a great idea — you have to sell it. Don't be afraid to sell. Don't think of yourself as anything but a marketer.”
Susan Sobbott
“Everyone talks about growing the business, but what you don't hear enough about is the importance of not growing the business too fast.”
Blue Man
Tags: Entrepreneurs, Quotes, Zig Ziglar, Business Peopl...
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Make dreams a reality
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If you're keen on starting your own business, or on growing your small outfit into a large empire, you might struggle to believe in its success. You might have days on which you feel like you're banging your head against a brick wall, and you might wonder if your efforts will ever pay off. If you're looking for inspiration, thinking of the words of successful entrepreneurs will keep you going. Karan Bilimoria, Peter Hargreaves, Ann Morgan and Hugh Osmond have all uttered words of wisdom that should help you to get back on that horse, and keep pushing until you get to where you want to be.  Karan Bilimoria, founder of Cobra Beer, has said, 'Never ever give up. It's always David and Goliath. It's tough, but remember David always wins in the end'. Clearly, perseverance is a quality that Mr Bilimoria has in spades, and that's why he is so successful. He alludes to being small and struggling at the beginning, and urges us to keep going, no matter how difficult things get or how impossible your dream of success appears to be.
Peter Hargreaves, co-founder of Hargreaves Lansdown tells us: 'Most people who created large businesses found it hard to work for others. I'm almost unemployable – I don't tolerate fools and to work for one is fairly difficult'. If you have started your venture partially because you want to be your own boss, these words should help you to emulate the success of Mr Hargreaves. If you have walked out of a job because management was so incompetent, in your opinion, and you're now working for yourself, you and this eminent entrepreneur have much in common!
Ann Morgan, co-founder of Jigsaw Research, said: 'We were fed up working long hours and dealing with lots of management issues. We wanted to get back to what we enjoy and keep it simple'. Ms Morgan is clearly in Hargreaves' boat when it comes to working for incompetent management. Many aspiring entrepreneurs think that they have to work twenty four hours a day, seven days a week, in order to achieve success. Morgan is proof that having a sensible work-life balance is not only achievable when you have your own business, but it's one of the benefits of setting up on your own.
Hugh Osmond, investor in hotels and pubs all over the country, including O'Neills and Holiday Inn, says, 'Apart from the money we may make, I believe strongly there are a lot of big companies out there which are seriously under-performing due to bad management. It bothers me when I see something like that'. Clearly, money is not the sole motivator for Osmond. He takes pleasure in recognising the mistakes a company is making, and fixing them. Having a desire to tweak techniques and strategies until they are perfect is a key entrepreneurial trait. If you love finding solutions, you're not only in the right job, but you'll do well at it.
Entrepreneurs are tenacious, innovative individuals who work hard to make things better for their company. If you keep trying, no matter what obstacles you are faced with; like working for yourself; and have a talent for finding solutions, you'll be able to make those dreams a reality.
Tags: business, success, inspiration, solutions, invest...
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Public Liability Insurance
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Hair Dresser's Self-Employed Public Liability Insurance Quote
 The people who can give us a total make-over are hair dressers. Though there are certain things that can go very wrong while they try out the make-over with all those tools. Skill is what makes and keeps a hair dresser. Only if they have got the talent and ability to be a hair dresser, they can be so. It is their skill that will take them on top and retain them, but when the tools that should be working for the good go wrong, it messes up everything. Of course what is done cannot be reversed. But whatever can be done has to be done. After any damage that a client or public faces due to the hairdresserÃs neglect has to be compensated by the hairdresser immediately. An apology does not work all the time.
Why Public liability insurance for hair dresser is needed
There are many tools that you will be working with ñ hair cutting clip, highlighting comb, hair cutting comb, wide tooth comb, hair dryer and of course ñ the scissors of different inches. The hair dryer works wrong and the customer are fumed up. Put yourself in their place and you will understand that even they have got somewhere to go, may be a party to attend and this mishap ruined the whole thing. First thing you do is apologise, pay any compensation amount for an injury or damage made accidentally and get the repaired tool right. You need somebody to take care of all the expenses since shelling out money is not possible in all instances.
Public liability insurance UK will compensate for all the damages to the publicÃs property and injury of the public. All claims made on you will be covered by the policy so that you wonÃt have to worry about anything.
Hair dresser's self-employed public liability insurance quote:
Say a hairdresser is self-employed having 4 years of experience and established in 2010 running individually having two clerical employees. £141.19 is the best yearly self-employed Public Liability Insurance quote by Groupma Insurance. A compulsory excess of £250 has to be paid on third party property. The policy includes public liability insurance of £1,000,000 and employerÃs liability insurance of £10,000,000.
www.insurancepublicliability.com offers public liability insurance, employerÃs liability insurance and tools insurance in a single cover. Also there is a 25% discount on liability insurance offered now. This gives you a further off on your liability insurance policy premium.
Hurry up to get cheap van insurance quotes from insurancevan.co.uk today!!
Tags: Public Liability, Insurance
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Cheap Marketing Tips
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If you run a small business you will probably have spent some time wondering about how best to market yourselves. It is unlikely you can afford to hire an outside marketing firm for the purpose, so you will need to come up with ideas from inside the business. Though this may sound daunting there are actually lots of cheap, effective ways to get your name out there. Marketing is as much about common sense as it is about eye catching logos or sexy slogans. A lot of it has to do with simply having the correct mind-set when dealing with customers.
 Perhaps the most important thing in any market strategy and, certainly, the starting point for anyone about to devise one, is the customer – who are they, what do they want and what do you want from them? Research here is key. Luckily there is a good chance that information regarding your demographics and customer profiles is already available online or from another public source. To get more detailed information do some simple, quick in store or online surveys amongst your customer base. Get to know your customer well before you outline your marketing plan. The second most important thing to look at is the market itself – not just the people you sell to but the overall situation you are selling in. Markets are affected by all kinds of outside influencers like the economic and political climate, so you need to be aware of how your product fits into that and how you can take advantage. Are your customers likely to want more or less of your product given the general social situation? Just because they may want less does not mean you cannot use that knowledge to your advantage.
One of the key rules of marketing is that the person selling the product is of equal importance to the product itself. People's opinion of a product is attached to the way it is presented to them and if you do not believe that, just look at the amount of money the biggest companies and brands in the world spend on advertising. Yet, you don't need to be a billionaire corporation with a registered trademark to establish a good presentation of your product. You do, however, need to be engaging, effective and professional at the point of sale and this is all part of solid marketing.
Tags: Marketing, Small Business, Dealing with Customers...
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Insurance Premiums
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The bottom line if you are purchasing any form of personal or business insurance is the premium price. This is the monthly amount you pay each month to keep the policy active and will reflect both the risk level you pose to the insurer and the level of pay-out you require should you claim on the policy. If you are new to the insurance world or have little experience in this area you will want to know more about how these premiums are arrived at. This is important information which will make sure you do not overpay on a policy.
The first thing to note  is that insurers all work in different ways and price their policies differently. There is no single set of guidelines which govern the whole industry – just because you get quoted a high price on one insurer's policy does not mean you will be charged that across the board. So it is important to keep shopping around and looking at more than one provider. The premium itself will be written up based on the risk levels you are seen to come with. Every insurance company very much hopes that their customers never make a claim on their cover and so anything which makes you likely to claim will increase the price somewhat. So, for a life insurance policy anything which might negatively affect your health outlook or lower life expectancy will bring up the premium – smoking, drinking, a stressful or dangerous career, pre-existing medical conditions, etc. For a car premium, on the other hand, the make and model of the vehicle and your driving history will both be crucial. The more expensive the car you drive the more likely it is to be stolen and the more expensive it will be to repair, so both of those factors are counted towards the price you pay.
Of course, the larger the pay-out you require the larger the premium too. Therefore you need to be careful and take some time to work out how to get a policy which delivers the cover you require while still remaining affordable.
Tags: Premiums, Insurance, Business, Risk, Quotes
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The Best Price Comparison
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There are a number of options available to people in the UK if they are looking to compare prices for insurance or other financial products. The rise of online price comparison has really changed the game in recent years but many people are still unsure about using these sites. This guide will take a look at the main options available to you should you wish to shop for quotes and the benefits and disadvantages of each.
 Online Online price comparison boasts convenience, speed and comfort. All you need to do to use an online quote finding website is open up the internet, type in the details of the policy you want plus a little info about yourself (usually nothing too personal) and you are almost instantly delivered quotes from companies all over the country. You do not even need to leave your home and there is little or no hidden costs to using the service. Online
It is not always certain, however, that the information you get is unbiased. Some companies run seemingly unbiased comparison sites which they use to push their own products or products from companies with which they are affiliated. Also, shopping online may not always get you accurate information.
Online In Person
If you prefer to get a personal feel for the product you are about to buy you will probably prefer shopping in person. This has the benefit of allowing you some face time with an agent from the prospective company who can answer any questions which you have as they come up. However, this also means you are putting yourself directly in the line of fire for sales techniques and could be put under pressure to buy straight away. Also, comparing a number of companies in this way is massively times consuming – the same information that can be found in an hour online could take weeks to collect in person.
Telephone
Many companies will now give you a quote on the phone, which combines the speed of an online search with the personal touch of an in person inquiry. However, many of these companies operate high priced phone lines which might eat into your bills. Like searching in person this also may put you under pressure to buy a product which you do not necessarily want.
If you are looking to compare financial products, the tools you use to do so are hugely important. Decide which method suits you and make sure you get an accurate comparison on the relevant products.
Tags: Price Comparison, Insurance, Financial Products, ...
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New Company Insurance
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One of the main things all new business owners will require is insurance. It is as important a part of the modern UK business landscape as employing the right staff or renting the best location. Insurance protects you when the risks your business faces hit and provides you with the money to get the budget back on track in times of financial strain. Yet knowing which policies you require can be a little overwhelming. The UK insurance market is a large one with all kinds of different policies, insurers, legal responsibilities and clauses which you will need to consider. Even two companies which operate in the same industry may have markedly different insurance needs.
 However, there are a few key areas you will want to consider. Liability
Liability is required to protect third parties from damages caused by your company. The three main types of liability are employer's liability (which protect employees from damages suffered while working), product liability (protecting your customers) and public liability (protecting the general public). Most companies in the UK are legally required to hold one or more of these policies.
Vehicles
More and more companies in the UK now use some form of vehicle in their day to day business, whether it be executive company cars, vans used to transport stock or courier bikes. No matter what the vehicle you use, you are legally required to hold some business insurance for it. A car which is insured on a personal driving policy will not be covered for business purposes.
Interruption Business interruption cover protects the company should something happen which prevents you from operating and thus compromises your budget. Say, for example, you own a shop but the front window is smashed one evening and you cannot work at full capacity while it is being fixed. Your building insurance will pay for the replacement window but what about the cost to the company caused by the inability to work while repairs are being done? Business interruption will pay out to keep your budget on track.
Your insurance plan is equally important as your business plan and budget. Make sure you know which policies you require.
Tags: Insurance, Company Insurance, Liability, UK Insur...
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Dealing with Defaults
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When you take out a secured loan product there is always the possibility that you might default on the payments. When the collateral you have put up is your family home, the seriousness of this situation becomes apparent. Secured loans come with all kinds of great benefits – lower interest, longer terms, higher capital amounts – which you cannot get if you do not back up the agreement with collateral, but they also come with a large scale risk. Therefore it is important to know how to react and act if you think you are about to default on an asset backed credit product.  The good news is that, for the most part, lenders of secured products are not very interested in your property. They would much prefer for you to pay off the debt in full, as agreed and will do all they can to allow you to do that. Therefore, even though legally speaking a lender can seize property the moment a borrower defaults this very, very rarely will ever happen. Usually a lender will give you 3-4 months to repairs any arrears on the account you have before moving on to the process of seizure.
If you are certain that you are about to default it is crucial that you contact the lender and discuss the matter. Most lenders are more open to discussing changes to your terms and conditions than you would expect. It might be possible for you to extend the term of payment so that the monthly amount you pay is less. This will, most probably, result in you paying more overall in interest but will help you stay on track and stop you from harming your credit rating.
Defaulting on a secured loan product is a worrying thing to happen but it does not need to be the end of the world. Make sure you are paying attention to the payments you are making to your lender and act decisively should you be falling in to arrears.
Tags: Defaults, Secured Loans, Payments, Lenders, Credi...
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Bankers
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 Also known as your guide to ‘Banker Bashing'. As in, over the head with a large stick, if you believe everything the tabloids say. Bankers have become a remarkable hate figure in these troubled times. Its natural; to seek a scapegoat is part of being human. But is it really right to vilify the banker on such a level? When the tabloids start, should we join in the jeering? On the one hand, it seems obvious. Despite the recession and even though we as tax payers own several high street banks due to poor lending choices, bankers are still being offered enormous bonuses, well beyond what many normal people could hope to earn in a lifetime. And that on top of their inflated salary. Do they really deserve them? It doesn't seem to matter. Royal Bank of Scotland still resides in the hands of the tax payer after all. One could even argue that banking is now technically a public sector occupation, and so the pay should be cut similarly to other public sector workers as it was in 2011.
On the other hand, the government doesn't like to interfere with what the bankers are up to, and this includes creating new regulations around their bonuses and practices. After all, if the bankers decide that Britain is not a safe place for them to make huge lumps of profit, they will take their business elsewhere, and their money with them. This is why it isn't so simple to kick the bankers out. They bring in huge amounts of wealth to the country.
Fine, you might argue, ‘All right, where are they going to go? Greece? Italy?' Perhaps not, but they could uproot and go elsewhere very easily. With that in mind, what we ideally need is for every country in the world to stand up to the banks and put in place the sanctions which would prevent greedy capitalism. Unfortunately, that is not likely to happen anytime soon. So for now, isn't it safer to keep the banks in our country, where we can at least keep an eye on them?
Tags: Bankers, Bonuses, Banks, Recession, Hatred
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