Many of you do not know how to invest, which is the reason why I decided to work on a step by step guide to walk you through the typical process of investing. Since there are thousands of investments available to for you to invest in, it can become a daunting task if you do know what to do or where to start. Grab a cup of tea, relax, sit back, and learn how to take control of your financial life because nobody else cares about your money as much as you do!

1. Conduct Research

It’s vital to research the potential investments available to you, but most importantly…

If you pay off your mortgage and own your home free and clear you will accomplish the dream that many Americans have in common. Yes, having a mortgage can be a huge burden, but to think that paying it off is the best alternative is unwise. Why? Because of the opportunity cost, which means you chose to engage in one endeavor or action you cannot do something else. For example, if you watch channel one’s show XYZ at 8 p.m. tonight means you cannot watch channel two’s show LMN at 8 p.m. tonight. In your situation, if you pay off your mortgage early with the extra cash you will not be able to use that cash to save for your child’s college education, invest for retirement, acquire a business, or some other goal. Investing your extra cash toward one of these goals means sacrificing your other dreams. So which one do you choose?

Most people are poor because of the lack of knowledge and lack of education about creating wealth.

How much time are you devoting to understanding accounting, tax laws, and investment concepts?

When it comes to getting rich, the rich get richer because they have knowledge about money. They understand how money works. They understand finance. They understand tax laws. They understand what drives profitability. They know how to spot lucrative opportunities.

The rich get richer because of their habits. It is the outcome of their actions that leads to higher earnings because they understand how to make money and how to grow it. Reality is that we become what we repeatedly do. If you want to become rich, start learning how to invest, start learning how to read financial statements, start learning about how other people have made fortunes with their businesses and replicate their steps. It’s simply a matter of investing the time to learn about the concepts and then tacking action immediately.

So stop blaming your parents. Stop blaming your friends and co-workers. Stop blaming Congress. Stop blaming the President. Stop blaming the super rich. The rich will always get richer because they make different decisions than people who are not rich. They invest the time to study money, they think about making money, and they work towards making money.

If you are currently struggling to get ahead, devote a specified amount of time on a daily basis to learn a competitive skill to earn higher wages or start a business that will help you and your family become financial independent. Think BIG.

One of the best ways to make more money, or increase your productivity, is to know exactly what you will be doing every single day when you get up in the morning. The secret to being extremely productive lies in how you structure your daily schedule. Each night, right down a specific schedule for the next day. The schedule must balance your life between work, exercise, hobbies, and other engaging activities.

One day’s example in the following order:

Jogging (45 minutes)
Breakfast (45 minutes)
Work (4 hours — If self-employed you dictate my own schedule)
Lunch with a friend outside of home (1 hour)
Work (2 hours)
Fun Activities (2 hours; a movie, or the ballet, a simple walk, a museum, a business seminar, research potential industries for new investments, etc)
Dinner (1 hour)
Work (3 hours)
Prepare for next day (15 minutes)

Working out or jogging makes you more productive and energized to attack intense work during the day. Personally, I always make the time to enjoy myself and have fun EVERY single day. This makes me more productive and I also feel happier. An interesting discovery a while back was that I’m much more productive and energetic when I’m wearing a button down dress shirt, nice trousers and dressy designer shoes. Find out what works for you and arrange a daily schedule in advance to become more productive while enjoying the things you are most passionate about.

As you can see, it’s not only about work, it’s about creating a healthy balance in your life that will lead you to greater happiness and income.

The more experience I gain from starting my businesses, the more convinced I become that financial success and making money is much easier to gain when you spend your time doing what you love. For instance, I once launched a business that I thought I loved. It was three months later that the business did not take off as planned that I realized it was something I was not passionate at all. I was just chasing some quick dough. It was a lost investment of money, time, and energy; nevertheless, I was an invaluable lesson because learned to focus only on what I truly love. It’s a cliché but it’s true.

On the other hand, if you are passionate about your job and you take pride in doing the work and get very excited to get up in the morning to show up at the office you are more likely to stick with it and work more intensely than your competitors. This is what will lead to to become extremely successful and financially wealthy. It’s inevitable.

A great lesson I learned when I was starting out building companies is that most of my companies that failed was due do the fact that I was not really in love with the industry I was in. I was only doing it for the money and the interest and desire to continue with the business quickly disappeared. It was until I started a business that I was passionate about that my income started to grow as I enjoyed working at it every single day.

Some advice: You need to figure out how to monetize your passion. THE best example I can give you is Lauren Luke. Many women love to sit around in front of a mirror and try new make-up on but Lauren Luke monetized her passion by making tutorial videos on youtube and getting a total of about 122 million views worldwide. She soon started making money with advertising on her videos that lead her to bigger opportunities. It is rumored that she is now a millionaire running her own make up line and other beauty accessories. Not bad for doing something she loves, right?

Ray Kroc wasn’t the first person to make a cheeseburger but he was so passionate about it that he turned a local hamburger joint into the world’s biggest fast food franchise.

Maybe you want to start a clothing line, maybe you want to start a consulting firm, a film company or a beauty salon. Only you know what your passion is. But find a way to monetize it so you can provide a better standard of living for your family.

Observation over the years has led me to conclude that the single biggest challenge most people face when it comes to achieving financial independence is the interest expense they pay on credit cards, student loan debt, home mortgages, consumer debt, and other debt that does not make you money.

For example; If you have $20,000, the problem is not so much about the debt itself, it is about the $4,000 per year in interest expense you owe the bank if you had a 20% APR. That is $333 per month in interest expense that you must pay toward your credit card debt WITHOUT EVER PAYING OFF A PENNY TO THE PRINCIPAL. That is money you could have been using to buy quality stocks, bonds, mutual funds, precious metals, currencies or as a down payment toward the acquisition of a business, or even to treat yourself and your family to a vacation every year.

Credit card debt is so dangerous and poisonous that you should do everything you can to avoid it. Do not spend your entire life being a slave to the money you owe because once you have credit card debt, it’s challenging to get out the hole. The first step is to stop using all credit cards, cut on your unnecessary spending until you pay off all debts that are you earning you money.

It all comes down to your choices and priorities you make on a daily basis. Never go out shopping spending your money to please people you don’t even know or like. Never be concerned with what other people say or think about the clothes you wear, the car you drive, or the location you live in. The only thing that should matter to you is investing your money and building an investment portfolio that will be sufficient to cover your expenses and travel during retirement and passing on you wealth to your children and grandchildren so they never have to worry about money and instead they can pursue their passions and live the life of their dreams.

All business ideas are born mainly from personal experiences. The following case is not an exception.

Tonny Shin, founder of lapdawg.com, developed the “LapDawg,” a portable laptop table, after being injured and realizing there was a demand for a more comfortable alternative to placing your computer on your lap while on the couch or in bed.

Tonny’s monthly revenue on average in $15,000 per month. You will be shocked to know that it will took 6 months for Tonny to reach that level of revenue.

When asked, if you were to do it all over again, what would you do differently?

Tonny: Make sure that you have your business basics down first. Proper business bank account(s), incorporate earlier, record expenses properly, keep receipts, and get your accounting straight. It’s very hard to switch things over later, so invest some time at the outset and get it right.
Although obvious in practice, it’s hard to do as it is detail-oriented work and requires patience. It takes away from the “real” work that needs to be done but come tax time, you will absolutely regret that you did not do this from the start. It becomes much more error prone and harder to do everything at the end of the corporate year.
Tonny is currently developing more products, improving current products, creating more product videos, trying affiliate marketing, and experimenting more with social media. “There is a whole world of exposure methods online,” he states.

Thus, it is safe to assume Tonny is bringing in about $180,000 per year in revenue from his business. After business expenses and taxes, he might take home between $90,000 and $100,000. After living expenses of $50,000 he can invest the remaining $40,000-$50,000. Let’s assume that for the next 25 years Tonny continues to earn the same income. Thus, Tonny spends $50,000 per year and invests the remaining $50,000 for 25 years at a 10% interest rate, compounded (principal plus accrued interest) annually. That means twenty-five years from now, Tonny will have an investment portfolio of $8,224,701!

Please note, that with $50,000 per year in spendable income, Tonny is living and enjoying a great lifestyle. Plus, there’s no financial stress about the future during retirement years, or when Tonny is no longer able to work.

Do you feel you can replicate a similar venture as Tonny’s and generate $15,000+ per month? Absolutely. Think creatively. Brainstorm and focus on your talents, strengths, and personal experiences.

What are you doing TODAY to ensure you have similar revenue from your new business six months from now?

When you think long term, you see how spending $20 here and $40 there can make a huge difference in your personal finances.  Since money has the ability to work in your place, the more of it you employ now, the faster it will grow and the more you will accumulate at the end.  Along with more money comes more freedom; the freedom to stay home with your kids, the freedom to travel around the world, the freedom to quit your job, the freedom to dine at the best restaurants, the freedom to shop at the best boutiques in Paris and Milan, the freedom to do what you choose to with your time.   If you already have a source of income, it is possible for you to start building wealth today.  It may only be $20 or $50 at a time, but each of those investments is a seed in the foundation of your financial freedom.

Start saving money you can use in the future to buy assets that will increase in value and make you more money in return.  Assets such as real estate, private businesses, stocks, bonds, patents, copyrights, etc.  Making the habit of starting to save right now will ensure you become financially independent in the future.  If you have extra cash at the end of the week avoid the temptation of going out and spending it all.  Learn to make smart financial decisions.  Sign up for my free newsletter to educate yourself about managing money and creating long-term wealth for yourself and your family.  The key is not only saving your cash but also investing it in the projects that will yield the highest rate of return.   The key is saving enough money to redeploy to other cash generating activities.  

I know a person who saved almost everything he earned from his job as a mechanic. He lived frugally and only spent money on things necessary for survival. He started investing a few dollars at a time than it became a habit. Today, his portfolio is worth millions of dollars, all of which was built upon small investment amounts.

Get in the habit of setting aside small amounts to be used to invest in assets that will increase in value over time or that have the potential to pay you dividends during the lifetime of the asset.   The sooner you start the brighter your financial future will be.  No one will do it for you.  You are responsible of creating your own fortune.   The most difficult task is getting started.  Take baby steps and save, save, save, save, save, save…   Start now!

Every entrepreneur, business owner, or employee whose job is to sale services must understand how his/her customers think and act in order create effective marketing campaigns to increase clients and revenue.  The author, Harry Beckwith, does a great job going into specific detail how this is done.  Although it’s an old book , it will definitely help you implement some strategies that still apply today.    What did I learn?

• Services are just promises that somebody will do something
• Define what business you really are in and what people really are buying
• Know how to position your service, understand prospects and buying behavior, and how to communicate with them effectively
• Focus more on relationships and less on features and benefits so you know more about the seemingly irrational ways in which people think and act
• Nothing works more powerful than simplicity
• Invest more in improving service – whether in training, salaries, or increased staffing
• Many companies suffer from the Lake Wobegon Effect, “where the women are strong, the men are good-looking, and all the children are above average.”  Most companies think are better than they are….Assume your service is bad and it will force you to improve
• Tiny efforts often produce enormous effects
• “Let’s look at what we did last year, and do at least 15% better.”  Fifteen percent better works fine – for some time until another company comes along and does business 100 percent differently.  Don’t just thinks better.  Think different
• Always start at zero.  You should ask, “is this viable anymore?  Is this what the world wants?”
• Answering customer needs is the driving force of an industry.  It is market-driven
• Ensure your company takes a leap forward and surprise the customer.   Create the possible service; don’t just create what the market needs or wants.   Create what it would love.  That is where glory, fame, and market share lie
• People won’t tell you what you are doing wrong.   Your prospects won’t tell you.  Clients won’t tell you.   So, have an independent third party survey your clients.  It’s like your best friends, they won’t say it in your face but they will talk behind your back.  Oral surveys always work better because you can hear the customer’s voice, their anger and frustration or satisfaction and happiness.  That way you know exactly how they think and feel
• Never ask, “what don’t you like?” because you are indirectly asking someone to admit they made a bad choice
• Remember, you are selling individuals.  Talk to individuals
• Everyone in the company is part of the marketing
• What you really need to know is your customers and prospects
• The fastest, cheapest, and best way to market your service is through your employees
• How does your receptionist answer the phone?  How do you answer on the bottom of your invoices?  Every act is a marketing act.   Make every employee a marketing person
• What is your business good at? Distribution, customer service, consulting…
• In planning your marketing, don’t just think of your business.  Think of your skills
• People buy an experience.  People buy experiences.  Find out what your clients are really buying
• If you are selling a service, you are selling a relationship
• Before you try to satisfy “the client,” understand and satisfy the person
• “The best strategy in war is to win without a fight” – Sun Tzu
• “Go where no sane competitor would dream of going… Go where others aren’t
• Every service company should have a director of technology who studies and regularly tells management how new technologies can be used for competitive advantage.  Always ask yourself:  In our industry, are we second to none technologically?  Among service industries, and compared with firms of our approximate size are we second to none technologically?  Are we doing all we need today to be second to none two years from now?  Have we carefully considered innovative ways that new technology can be used to improve our services and grow our business?
• Make technology a key part of every marketing plan
• Study every point at which your company makes contact with a prospect – your receptionist, your business card, your brochure, your store, your public appearances…
• What are you doing to make a phenomenal impression at every point?
• Did the client feel respected, amazed, impressed, delighted?
• Study each point of contact.  Then improve each one significantly!
• “Life is like high school” because a competent and likable solo consultant will attract far more business than the brilliant but socially deficient expert.  In large part, service marketing is a popularity contest
• When many prospects choose a service firm, they are not buying the firms credentials, reputation, or industry stature, these prospects buy the firm’s personality.  “I just liked them.  I had a good feel about them.  It just felt like a good fit.”  Like, feel and felt does not refer to logic and reason; they refer to feelings
• Service businesses are about relationships.  Relationships are about feelings
• Be professional – but, more importantly, be personable
• Stop planning.  Do it now
• If a shark does not move, it cannot breathe.  And it dies.  Act like a shark.  Keep moving!
• Good ideas often sound ludicrous at first.  Think dumb
• Mistrust “facts.”  And don’t approach planning as a precise science.  Planning is an imprecise art
• Focus groups loved some company’s ideas.  Real people did not
• Have a healthy distrust of what experience has taught you
• Beware of the overconfidence bias.  Maybe he’s right
• Start falling so you can start succeeding
• Don’t look to experts for all your answers.  There are no answers, only informed opinions
• Some people cannot picture success.  Some people are afraid to believe in it because they are terrified of disappointment.   Run away from them!
• Prospects make decisions on familiarity.  From ad after full-page ad, prospects will remember you.  People choose what seems most familiar.  You need to make yourself familiar to your prospects.  You need to get our there.  Familiarity breeds business.  Spread your word however you can
• Take advantage of the recency effect – do the everything possible to be the last company to present.  Say something stronger and more effective – and grab the business
• People do not look to make the superior choice; they want to avoid making a bad choice.  “What risks might a prospect see in hiring us”?  Don’t remind the prospects of those risks and eliminate their fears one by one
• Forget looking like the superior choice.   Make yourself an excellent choice.  Then eliminate anything that might make you a bad choice
• First impressions are critical
• People tend to remember the first and the middle – advertisers willingly pay premium prices for ads in the very front and very back of magazines
• “If a child ends the day on a happy note that’s going to carry over into the next morning and the next day” to attract more parents with babies
• Each impression you make will – temporarily, at least – be your last.  So make it strong
• They were not looking for the service they wanted most but the one they feared the least.  They did not choose a good experience; they chose to minimize the risk of a bad experience
• Yes, build the quality into your service – but make it less risky, too
• The best thing you can do for a prospect is eliminate her fear.  Offer a trial period or a test project
• The more similar the services, the more important the differences; the decor of the lobby, the color of the business card, your suit….
• Positioning: You must position yourself in your prospect’s minds.  Your position should be singular – one simple message.  Your position must set you apart from your competitors.  You must sacrifice.   You cannot be all things to all people; you must focus on one thing
• For years Domino’s never mentioned quality, price, or value, only “30 minutes or it’s on us”
• Stand for one distinctive thing that will give you a competitive advantage
• To broaden your appeal, narrow your position
• Ask yourself:  What special skill could your business develop and communicate that would, by lesser logic, position you strongly in other areas?  What is the big skill you could develop and market that clearly implies other valuable skills?  In your service, what’s the hardest task?  Position yourself as the expert at this task?
• we associate one positive thing – attractiveness – with many other good things.  Say one positive thing, and you will become associated with many
• History shows that everything can be made different:  catsups, flour, pickles, sugar came in large tubs.  That is not the case today
• “We want to position ourselves as the market leader” say several million executives each year.  The truth is that no company can position itself as anything.  You can focus your efforts and your message, which sometimes can influence position.  But your position is a place, and someone else puts you there:  your prospects
• Don’t start by positioning your service.  Instead, leverage the position you have
• You can establish your positioning statement by answering the following questions: WHO – who are you?  WHAT – what business are you in?  FOR WHOM – what people do you serve?  WHAT NEED – what are the special needs of the people your serve?  AGAINST WHOM – with whom are you competing?  WHAT’S DIFFERENT – what makes you different from those competitors?  SO – what’s the benefit? what unique benefit does a client derive from your service?
• Example:  WHO – Bloomingdale’s.  WHAT – are fashion-focused department stores.  FOR WHOM – for trend-conscious, upper-middle-class shoppers.  WHAT NEED – looking for high-end products.  AGAINST WHOM – unlike other department stores.  WHAT’S DIFFERENT – Bloomingdale’s provides unique merchandise in a theatrical setting.   SO – that makes shopping entertaining
• Ask yourself these seven questions and have seven good clear answers
• Your position is all in people’s minds.  Find out what that position is
• “Stuff to die for”  “Shopping as entertainment”
• Focus.  In everything from campaigns for peanuts to campaigns for president, focus wins
• No matter how skilled you are, you must focus your skills
• Employees can hurt you if they do not know what makes your company special
• People exposed to your message will see a common face and hear a common tune.  They will learn exactly who you are
• Maybe your price, which makes you look like a good value, actually makes you look second-rate
• A women strolling in Paris asked Picasso to do a sketch of her when she saw him sketching at a sidewalk.  Picasso obliged.  In just minutes, there she was: an original Picasso.  “And what do I owe you?” she asked.  “Five thousand francs,” he replied.  “But it only took you three minutes,” she politely reminded him.  “No,” Picasso said.  “It took me all my life.”  Don’t charge by the hour.  Charge by the years!
• Never choose a name that describes something that everyone expects from the service.  The name will be generic, forgettable, and meaningless
• The human mind best remembers things that are “unique, sensory, creative, and outstanding.”
• If you need a name for your service, start with your own
• In service marketing, almost nothing beats a brand
• Use Federal Express as your standard and ask:  How much does your name communicate, how fast?  Are you using color effectively?  Is it conveying the same message as your name?
• A brand is more than a symbol.  In the public’s eye, a brand is a warranty.  It is a promise that the service carrying that brand will live up to its name, and perform
• Invest in and religiously preach integrity.  It is the heart of your brand
• Make selling easier, faster, and cheaper.  Build a brand
• Never underestimate the value of your brand or the difficulty of creating a new one
• A brand is money
• To speed up the building of your brand, choose an unconfusable name
• Building your brand doesn’t take millions.  It only takes imagination.  “Kate loves kids” posters all over the town
• People are interested in themselves – make the prospect comfortable
• Saying many things usually communicates nothing.  Say one thing
• A savvy salesman will show you one nice shirt, not many because you will end up confused and will probably not buy any
• After you say one thing, repeat it again and again
• Our primary form of entertainment is still the dramatic narrative – the story.  Synecdoche works because people are interested in other people, and stories about people
• Don’t use adjectives.  Use stories
• People will trust their eyes far before they will ever trust your words.  Watch what you show
• Services are simply relationships among people
• Make sure people see who you are
• Restaurants are not in the food business they are in entertainment business.  People go to restaurants for the experience to see what all the fuss is about, to experience what others have, to see who might be there, and to dress up
• Everything visual associated with your services sends a powerful clue about your service.  The influence of these visual clues is not superficial; they go to the very hear of your “product” and your relationship with the client.  Watch – and perfect – the visual clues you send
• Words alone will not get that response because our memories are  primarily visual.  We remember faces but forget names.  So show a common face.  Make that investment worthwhile.  Repeat yourself visually, too.  It makes you look more organized and professional, and easier to remember
• Good salespeople know that if a prospect declines a face-to-face meeting but requests “some information about your company” means they rarely will make the sale because a prospect must see them to believe them and buy.  Give your marketing a human face
• If you are selling something complex, simplify it with a metaphor
• Use active, fresh, powerful words.  Sometimes, it’s all in how you say it
• You don’t listen to cliches.  Your clients won’t either
• Tell people – in a single compelling sentence – why they should buy from you instead of someone else
• Just as prospects put great value in recent information in making their buying decisions, they also are strongly influenced by vivid information.  Vivid experiences can take over huge parts of a prospect’s memory
• In your words and pictures, make yourself vivid
• Sentences free of cliches and other tired words arouse and keep people’s curiosity and attention
• If you want publicity, advertise
• If you want editors to help you, help them.  Give them something interesting.  Give them a story
• Find out what they want.  Find out what they need.  Find out who they are.  Don’t sell your service.  Sell your prospect
• Talk about him/her, not about you
• Write a mission statement, but keep it private
• A mission statement must cause change; it must change how people in your company act so follow every mission statement with a concrete statement of measurable objectives.  Give people a clear target so they can see how achieving those immediate objectives will help them achieve the mission
• Everywhere people are buying happiness, or the hope of it
• People want to smile.  And will pay handsomely for it
• How does it feel?  Does it sell happiness, or the hope of it?  Above all, sell hope
• A customer’s satisfaction is the gap between what the customer expects and what she gets
• Don’t raise expectations you cannot meet
• Your parents were right.  So say thank you.  Often
• Do you thank people enough?  Are you sure?
• Advertise your successes.  Show your client what you have done.  Make sure the client knows
• Stay present.  Advertising and publicity reminds clients and former clients of the satisfying service that you once provided
• Create a feeling of satisfaction by showing the client how you are satisfying others
• Out of sight is out of mind
• Say you will have it to him at 1PM then deliver it at 11AM
• Make every client very happy every day
• The key to any effective presentation is having a clear point of view
• Selling a service involves personal risks;  you will be rejected, people won’t return your phone calls, you run the risk of feeling bad when you go home at night…  risk yourself!
• Someday, a large sum of money will change hands.  Make sure you are in the middle of it
• Some people propose on their first date, after all
• Get out there.  Almost anywhere.  Let opportunity hit you
• Writing a book is like having a baby, both bring something new into the world, and both are a pain in the ass

Phew.  Took me 2 hours to write this post so enjoy!

-Samuel

Business planning is about results. You need to make the contents of your plan match your purpose. Never accept a standard template just because it’s there.

So, what is a business plan?
A business plan is any plan that works for a business to look ahead, allocate resources, focus on key points, and prepare for problems and opportunities. They are also vital for running a business, whether or not the business needs funding, loans, or new investments. Business owners need business plans to optimize growth and develop their business according to priorities, trends, specific goals.

What’s a start-up plan?
A simple start-up plan includes a summary, mission statement, keys to success, market analysis, and break-even analysis. This kind of plan is good for deciding whether or not to proceed with a plan, to tell if there is a business worth pursuing, but it is not enough to run a business with.

Is there a standard business plan?
A normal business plan (one that follows the advice of business experts) includes a standard set of elements, as shown below. Plan formats and outlines vary, but generally a plan will include components such as descriptions of the company, product or service, market, forecasts, management team, and financial analysis.

Your plan will depend on your specific situation. For example, description of the management team is very important for investors while financial history is most important for banks. However, if you’re developing a plan for internal use only, you may not need to include all the background details that you already know. Make your plan match its purpose.

What is most important in a plan?
It depends on the case, but usually it’s the cash flow analysis and specific implementation details.

Cash flow is both vital to a company and hard to follow. Cash is usually misunderstood as profits, and they are different. Profits don’t guarantee cash in the bank. Lots of profitable companies go under because of cash flow problems. It just isn’t intuitive.

Implementation details are what make things happen. Your brilliant strategies and beautifully formatted planning documents are just theory unless you assign responsibilities, with dates and budgets, follow up with those responsible, and track results. Business plans are really about getting results and improving your company.

What is a standard outline?
The following is a standard outline:

1. Executive Summary: Write this last. It’s just a page or two of highlights.
2. Company Description: Legal establishment, history, start-up plans, etc.
3. Product or Service: Describe what you’re selling. Focus on customer benefits.
4. Market Analysis: You need to know your market, customer needs, where they are, how to reach them, etc.
5. Strategy and Implementation: Be specific. Include management responsibilities with dates and budget.
6. Management Team: Include backgrounds of key members of the team, personnel strategy, and details.
7. Financial Plan: Include profit and loss, cash flow, balance sheet, break-even analysis, assumptions, and business ratios.

Writing a business plan is not easy, especially if you have never written one before. Hire an expert who has done it before to save yourself headaches, wasted time, money….