Tag Archives: Starting

How To Save $1.5 Million Starting At 40
February 10, 2019 12:53 am|Comments (0)

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Want to Work From Home in 2019? Starting Today, You Can Get Paid $10,000 Extra to Do It. (There's Just 1 Catch)
January 1, 2019 6:00 am|Comments (0)

Perhaps you’ve been thinking that 2019 is the year that you’ll finally do it: You’ll take control of your destiny and do what’s required so that you can work from home.

Of course, it’s not as if most people who work for someone else can just flick a switch and suddenly have the right to work from home. They have to negotiate with their employers, make their case, and act.

But, if you’ve been on the fence about doing it, one U.S. state might have just the impetus you need to make the jump: $ 10,000 for up to 1,000 people who can show that they work from home for an out-of-state company.

I wrote about this when the Vermont government first approved the program, but now it’s finally here: One of the requirements is that you have to move to Vermont after January 1, 2019, since the government didn’t want to pay people who were already going to live there and work from home anyway.

But that day is finally here today (assuming you’re reading this on the day it was published): New Year’s Day, 2019).

Beyond that, the restrictions seem pretty easy to comply with, assuming you truly and legitimately are working remotely from an out of state company. You have to:

  • be a full-time employee of a business “with its domicile or primary place of business” outside Vermont
  • perform “the majority of…employment duties remotely from a home office or a co-working space located in the state”
  • demonstrate qualifying expenses

In theory, the payment is supposed to reimburse you for the cost of moving to the Green Mountain State (you’ll have to learn that nickname if you’re going to live there). And note that you can actually work from a co-working space, not only out of your house.

That last point seems like a good idea if you’re going to move to a new state; many of us meet people through work, but you’d otherwise literally be working alone and from  home. It turns out there are at least 19 co-working spaces in Vermont, spread around a state of only 625,000 people. 

That last number — the population of only 625,000 — mostly explains why the state is doing this to begin with.

That, combined with the fact that the population is aging, and that the tax base is dwindling. (There’s a similar program now for people who want to move to Tulsa, Oklahoma, by the way).

So what can you expect if you move to Vermont? In short: a relatively exercise-conscious, healthy living state with a high intelligence and a quaint New England standoffishness, apparently. Over the past year we’ve seen that it’s:

Oh, and it’s cold in the winter–but beautiful almost all year round.

If you’re thinking about it, I’d recommend visiting now or in February, so you’ll see if you’re really the kind of person who can thrive in that climate. 

Then check out the fine print — including being aware of just how many people wind up qualifying — and get ready to apply.

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Corporations Are Starting To Perform On Climate Issues, Investors Say
June 28, 2018 6:21 am|Comments (0)

Royal Dutch Shell Plc agreed in January to buy a 44 percent stake in Silicon Ranch Corp., the Nashville-based owner and operator of U.S. solar plants. Here workers torque mounting brackets on a row of solar panels during construction of a Silicon Ranch Corp. solar generating facility in Milligan, Tennessee. Large oil companies in Europe are continuing to diversify their holdings and increase clean-energy investments.  Photographer: Daniel Acker/Bloomberg

Now that activist investors have convinced most major corporations to disclose climate-related risks, they have begun to press them for mitigation, and some investors report seeing results.

“We’re beginning to see real signs that we’re entering transition,” said Adam Matthews, the director of ethics and engagement for the Church of England Pension Board and co-chair of the Transition Pathway Initiative.

“I think it’s something you’ve got to be careful about calling, but at the same time I think that there are signs out there that the engagement is beginning to show impacts. You’re seeing companies that are moving totally out of coal, you’re seeing other companies saying they intend to make no further investments in this, you’re seeing the likes of Shell and Total breaking ranks with their sector and taking certain ambitions to reduce all of their emissions.”

Matthews has noticed the change just in the last six or seven months, he said in a webinar Tuesday hosted by Climate Action, and so has Catherine Howarth of ShareAction UK, a charity that promotes responsible investment.

“It started very much as disclosures,” Howarth said. “We as shareholders want stronger disclosures from you as a company about how you’re considering, for example, climate-related risk. And we’re moving now to resolutions that are a bit more directive and based on investors really claiming a sense of agency over handling how they manage climate risk in their portfolios.”

Howarth cited recent successes with Rio Tinto, a mining company that faced a shareholder revolt over its participation in coal lobbying efforts in Australia, and Royal Dutch Shell, where shareholders pressed the company to establish, publish and meet emissions targets that align the company with the goals of the Paris Agreement.

“We really need to be comfortable that you’ve understood the climate risk,” Howarth said, characterizing the message delivered by shareholders, “which is a risk for our entire portfolio, not just for you as an individual stock, and we need to see action now.”

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7 Excuses You Use to Put Off Starting Your Business
March 24, 2018 6:01 am|Comments (0)

I have talked with hundreds of people about starting a business. People often tell me would love to start a business–then follow up with a list of reasons why they aren’t able to take the first step. From “I’m not good enough” to “not enough savings” and everything in between, there are many reasons starting a business can feel impossible.

And I understand. Starting a business feels overwhelming. Though I knew from my first lemonade stand that startup life was for me, it took me years of hesitating before I finally took the plunge. Here are the seven common reasons you might be hesitating–and seven ways to overcome these fears.

1. I don’t know how.

The beauty of business is that you can learn everything as you go from web resources, books, and peers. Most libraries have a business desk staffed with knowledgeable librarians who specialize in helping people just like you get started with business planning. Many libraries have free online access to the Lynda.com training database so you can learn online free and at your own pace. When I first started my company, Google was my best friend–anything I didn’t know was only a few clicks away. 

With increasing numbers of people working for themselves, chances are you know at least one person who is self-employed. Take them for coffee, ask them how they got started. It doesn’t have to be in the same industry. Ask for introductions to other entrepreneurs they know.

2. I’m too young or too old.

I hear twentysomethings say they’re too young and sixty somethings say they’re too old. But it doesn’t matter. The average American will change careers 5-7 times. That’s careers, not jobs. Age is truly one of the most meaningless measures of readiness. You can learn new things, you can adapt to change, and you can start a business at any age. You’re never too young or too old do change your life and start something you’re proud of.

3. What if I fail?

I fail frequently and you will, too. Get comfortable with the reality that 99 percent of everything you do won’t work. But the 1 percent that does work is magical.

4. My parents don’t support my startup dreams.

There are a lot of difficult dynamics at play when discussing your life choices with parents. But unless you’re asking your parents to bankroll your startup, it’s not really up to them. You only have one life, build one that you’re proud of without worrying about the opinions of others.

5. I don’t have the cash.

It’s a common misconception that you need a lot of capital to start a business. If you have access to a computer and the internet, you can start any number of businesses. I started my business with a $ 500 credit card loan and a hefty chunk of student loans. A lot of the software you need is available free and there are a variety of businesses you can start small.  As you start collecting payments, you can grow your business.

6. What will my friends or partner think?

If your friends or partner don’t support your dreams, get new ones. Seriously. It’s hard to let friends and lovers go, but if they are only contributing negatively to your dreams, it’s time to let them go. Practice now by telling your friends about your business idea–they might surprise you.

7. I’m not good enough.

Stop it. You know you’re wrong about that. It’s going to be scary, but no one else is better equipped to make your ideas and dreams into reality.

Running your own business is a lot work and there are many stressful moments. But the real rewards of building something you’re proud of far outweigh the imagined obstacles. Now you’re ready to start a business–no excuses!

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Back to Basics: 6 Valuable Lessons You Should Know Before Starting a Business
August 25, 2017 9:48 pm|Comments (0)

There are many business degrees and classes you can take as an aspiring entrepreneur. However, not all of these courses will be able to teach you valuable lessons only an experienced business owner would know.

Owning a business isn’t easy. It takes a lot of different skills and experience to lead an entire team, meet deadlines and complete several day-to-day tasks.

Whether you’ve recently launched a business or are in the process of opening your own company, there are important lessons you need to know. It can take years, even decades to grasp an idea or strategy that can help you and your business grow.

Here are just a few lessons I’ve learned along the way:

1. Family comes first.

The first lesson is the importance of family. Yes, your business is your baby, but you have to prioritize the people you love.

When you’re at home, focus on relaxing with your family and spending quality time with them. Time can fly by when you have a million things going on at work.

Use your time with family to rest and make the most of every minute. Family time is precious because at the end of the day, they’ll always be there for you during the good and bad times.

2. The lows are rock-bottom lows.

Many entrepreneurs will go through rock bottom lows. Whether it’s losing your biggest client or struggling to put food on the table, your lows will force you out of your comfort zone and push you to your limits.

You may experience “make or break” moments. You must power through, no matter how difficult it is.

Over 20 years ago I failed miserably on the first business that I opened. I had clients and cash coming in, but I had to close the business. I didn’t understand cash flow, operating expense, budgeting, or any of the other numbers.

Understanding the language of business–including financial statements–is essential.

The great thing about these rock bottom lows is you can use these tough lessons to embrace the suck and become a wiser person. There’s always a light at the end of the tunnel.

3. The highs are extremely rewarding.

Just like you may experience rock bottom lows, you may also experience extreme highs. Winning a client, expanding your business or being able to afford your own jet are just a few of the many successes you may experience as a business owner.

I’ve been fortunate with my success. My business has expanded to include speaking, online training products, books, webinars, and conducting mastermind groups, all as a way to serve more clients and keep up with demand.

Celebrate the wins and take note of what got you to that point. Learning from your best experiences are just as important as learning from your worst.

4. Little victories can turn into major victories.

Have a new customer? Made a new friend at the networking event? Hired a sales coach? If so, that’s fantastic.

Small victories can go a very long way. You never know when new customers will tell all their friends and bring you a lot more business. The new friend you made at the convention may bring you more prospects than you ever dreamed of.

I’ll say it again: Celebrate the little victories. You don’t know what new opportunities they may bring.

5. Mentors are necessary.

Whether it’s an executive coach or a former boss, mentors are necessary for ultimate success. To reach your full potential you’ll need someone there to guide you on your path.

Owning a business isn’t easy. Having someone always available to give you advice and keep you accountable will give you the support you need to achieve your vision.

6. There’s no “9 to 5.”

Your office hours may be 9:00 a.m. to 5:00 p.m., but that won’t always be the case for entrepreneurs. You can certainly devote yourself to work strictly during these office hours but you can’t expect to not work outside that time.

Some clients may expect you to be available or be able to answer urgent questions at any given time. A crisis may erupt at 6:00 a.m. and you may have to jump on it. It’s important to balance your work and home life but as a business owner, you must understand the term “office hours” may not apply in some situations.

These are just a few of the many lessons I’ve learned throughout the years. Unfortunately, some lessons are best learned with experience but hopefully I’ve saved you some trouble while you work your way towards success.

Never give up if something becomes tough, just power through it, surround yourself with support and you’ll always end up learning and becoming a smarter business owner. Best of luck!

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Traditional software giants are starting to kick it in the cloud — so what's next?
June 16, 2016 5:20 pm|Comments (0)

For years the benefits of the cloud have been the subject of much debate within the IT industry. In the past, sceptics claimed that the cloud wasn’t …


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Streaming Apps Are Coming to VR Starting with Netflix Today
January 16, 2016 12:15 pm|Comments (0)

For those who have been itching to stream the new season of TV from the comfort of your Gear VR, a Netflix VR app will be available today, with apps for Hulu and Vimeo as well as Twitch coming on soon.

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