Your Home Based Business Opportunity – 5 Powerful Key Facts To Drive Your Business Forward

Your Needs

So much has been said for the customer or client’s needs but know your own needs. You must have serious financial ambition. You need to be greatly unsatisfied with your current earnings or business growth and you need to be looking to make more. A lot more. Never ever set low or ‘average’ goals. Do this, and you will get less than low or average results. Always, always set high yet realistic goals. Even if you fall short of achieving your business objectives, your achievements will still be extremely substantial.


You need an extremely good quality product or service. So good in fact that it must be able to sell itself. The easiest way to select this is by listening to what people want and giving them exactly what they want. There is a huge trap here that many people fall into which I will now mention. Beware of niches and use them wisely. Just because you know a great deal about 10th century basket weaving does not mean that your book on 10th century basket weaving will become an instant best seller and earn you a handsome profit. Here’s a hint for a home based business opportunity: What’s the current fad now? Got the answer? Excellent. Research it now, accumulate several facts about it and then write your best selling book.


Your home based business opportunity has an 80 to 90 percent chance of failure. You can easily overcome this. Turn this statistic around and start a home based business opportunity that has an 80 to 90 percent chance of success. Do this by getting good quality relevant advice on a regular basis. Have a mentor who understands your needs and is in the same business field that you’re in. Set up your own expert advisory team of lawyers, accountants, financial advisors and other professionals to provide you with all the relevant facts and answers so that you can always make the right decisions all of the time. If you can’t afford to pay them, offer them shares in your home based business opportunity.


Your business mind-set. You don’t know the meaning of these words: quit; fail; problem. In your Master Success Business Dictionary, these words have been replaced:

‘Quit’ – has been replaced with: ‘dogged determination’

‘Fail’ – has been replaced with ‘did not quite achieve success at the first attempt’

‘Problem’ – has been replaced with ‘an interesting development – here’s what we’ll do’

You may break-even or you may be in profit right from the very start. You may even be running at a loss and subsidising your business with cash from other sources. But whatever happens, in the long run, you must see your business to be in a perpetual profit pulling state. So what if you’ve not yet attained the level of success that you’re ultimately aiming for? The bottom line is this: It’s going to be a roller-coaster ride and as a professional at your chosen home based business opportunity, you’re not interested in getting off in the middle of the journey.


You eat sleep, dream and drink your business. Nearly to the point of becoming obsessional. After all, this is your baby isn’t it? Every day, you dream up new ways of advertising your home based business opportunity. You do this because you know that the first rule of business is advertise, advertise, advertise. You talk to everyone that you can about it. You promote, promote, promote. And you watch your business grow.

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Our New Heroes and Heroines – Socially Conscious Business

When we think of business, the motto typically has been, “a deal is good if it is best for me.” Today, social entrepreneurs inspire us with a new motto, “A deal is good when it is good for all concerned.” Moreover, most business gurus have not used words like “joy” and “generosity” to talk about the bottom line, nor do we typically think of business creating a sustainable global economy. Yet, for increasingly more entrepreneurs, that is just what is happening. For many, these are our new heroes and heroines.

Our New Heroes and Heroines

The dictionary defines “hero” as “a person noted for feats of courage or purpose, especially one who has risked or sacrificed his life.” A new kind of hero is emerging. They are not famous politicians or soldiers, yet they have improved the lives of millions of people and made the world more secure.

Their weaponry is not of guns and war, but of creative ideas, dogged determination, and a deep belief in their power to change the world. These “social entrepreneurs” are bringing life-changing tools and resources to people desperate for solutions. They are the many businesses that are becoming more socially conscious.

For these entrepreneurs, the bottom line is about more than profit, it is also about people and the planet. They align business strategy with the goals and values of broader society by focusing on the social, environmental, as well as financial contributions of a company. They help to build communities where employees are happy to work, live, and stay, and thereby build stable businesses and communities.

What are They Doing?

Perhaps the most well-known hero can be seen in the story of the Gameen Bank, one of the most successful development organizations in the world. Founded by Muhammad Yunus in Bangladesh in 1976, the Gameen Bank has extended small loans for self-employment to more than two million woman villagers and has helped to lift hundreds of thousands out of poverty. The Gameen bank’s ‘trickle up’ approach has inspired the creation of hundreds of “micro-credit” programs around the world and helped to reshape international development policy.

Another example is that of Susan Davis, a powerful woman in finance; who maintains a down-to-earth candor that resonates caring, authenticity, and concern. She lives in a small town in Wisconsin, and is thrilled at growing an organic vegetable garden. Yet she has created networks among some of the nation’s wealthiest families, foundations, women business owners, and socially conscious investors. She educates money managers about the win-win opportunities for socially responsible investing while giving them the tools and contacts to do the job. This helps them to create socially conscious businesses and practice.

The Big Question: Finance

One of the biggest questions about socially responsible business is: Do socially responsible companies perform better financially? One of Susan Davis’ concerns has been whether this approach is supported by hard research. On this, evidence from meta studies is in: Social and environmental responsibility does go hand in hand with superior financial performance.

A meta-study is distinguished by being a study of studies. It covers years of research from a variety of perspectives, which lends to its greater authority. A most impressive and rigorous was done by Orlizky of the University of Sydney, Australia, and Frank Schmidt and Sara Rynes at the University of Iowa. What were their findings? A statistically significant positive association between corporate social performance and financial performance. It does not take rocket science to understand why socially conscious businesses do better. The businesses are centered on values and mission, and employees are more engaged around a purpose, which makes it easier for the firms to handle external change, turbulence,and crisis. It builds reputations and enhances relationships with investors, while attracting better employees and maintaining goodwill. The firms do better and run better. With the current economic crisis, these new social entrepreneurs help to bring hope to all of us.

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The Art of Financial Translation Services

Working for a busy translation agency, I have had the privilege of working with a wide variety of clients and customers, all with diverse needs and requirements. Over the course of an average day, it would be fair to say that no two assignments are ever the same. One area where we do receive a significant amount of requests is in the field of financial translation. Financial translation refers to the broad area involving the translation of financial documents. This can vary from the translation of financial reports, to technical terms and conditions found within financial documents through to excel spreadsheets detailing a company’s profit and loss data. It’s a service that both individuals and organisations may require. Big organisations that are looking to have representation in a foreign market may need to have the financial reports of a potential acquisition translated; similarly an individual may need their own financial details translated if they are looking to relocate or make a significant purchase in a non-native country.

Like all fields of translation, accuracy of the financial translation is greatly enhanced by the use of a mother tongue linguist who has skills, experience in the financial industry. Typically, a good financial translator will hold some form of financial/business qualification such as an MBA, accountancy qualifications or consultancy qualifications. Before choosing your financial services translation provider, as in all fields of translation, there are a number of factors to consider. This article looks at the issues that can affect your choice of supplier and things to take into consideration prior to placing work with them.

Often, financial translations involve material that is of a private and confidential nature. The material may be due for publication on a set date, but prior release is forbidden. It is vitally important then, when determining who to use as you translation supplier, that the supplier you choose is able to fulfill any requirements you have regarding confidentiality and non-disclosure. Using an agency rather than an individual translator may be of benefit here. Agencies typically have access to a number of suppliers and can handle multiple documents. They are likely to have confidentially agreements already in place with all their suppliers that govern the disclosure of the work and therefore you would only need to provide one confidentiality agreement for the entire project – between you and the agency. The other obvious benefit of using is an agency is the ability of the agency to handle multiple documents into a number of languages.

If your documents have a lot of repeated text throughout them or you have clauses (such as in terms and conditions) that you need to have repeated at specific intervals within in your financial documents, it is worth finding out if your proposed supplier is able to handle translation memory. Translation memory (TM) is a software application process that will look for duplication in your document and prompt the translator to reuse this duplicate text when and where needed. One of the big benefits of using TM is that it helps with the consistency of your document as well as potentially reducing the overall cost of the project.

In addition to using translation memory it would also be worth investigating if your proposed suppliers have access to relevant financial dictionaries. The financial industry uses many complex terms, anachronism and phrases that are not widely used outside the industry. It is therefore vitally important that the translators undertaking your assignment are not only aware of this terminology, but have access to the resources that explain what they mean. Simply Googling a specific terms is often not enough to get the required definition, and a good translator will have access to a wide range of dictionaries specific to their areas of expertise.

Another key consideration already outlined at the start of this piece is the use of skilled translators. Professional translators will often specialise in one specific area, and a skilled translator will not only have language qualifications, but also a qualification in their area of expertise. As described, a typical qualification for a financial translator can include an MBA or accountancy qualification. Prior to choosing your translation provider it would be worth consulting with them to find out what typical qualifications their financial translators hold.

As mentioned above, if your assignment is fairly lengthy it would be worth considering the use of an agency in preference to an individual translator. It may be that your project is required in multiple languages or the output is needed in a specific file type, such as print ready or XML. Here an agency is likely to have the advantage in terms of its access to resources, usually being able to manage multiple languages in multiple files types. It would be worth confirming that your selected language provider is able to handle specific file types and has the resources in house to be able to output into the desired format.

For individuals who need to have financial documentation translated for legal/compliancy reasons, I always recommend confirming the scope of the requirements with the body that have requested the translations. For example if you are looking to emigrate to a foreign country and part of the application process stipulates you need to have bank statements translated, it is worth confirming how much of the statements are needed (e.g., all figures contained within the document or just the text). It may be that as well as translation your documents require rekeying and certification, all of which can add to the overall cost of the assignment.

Financial translation is a broad area within the translation industry and when done well is performed by a professional financial language expert. Finding the right supplier who can fulfill your requirements is key and as illustrated above prior to sourcing a suitable supplier it is worth confirming the scope of your requirements and the suitability of the proposed supplier to match these requirements.

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Shoe Repairs And Several Other Things When I Was 7

Shoe Repairs And Several Other Things When I Was 7
My Dad repaired most of our shoes believe it or not, I can hardly believe it myself now. With 7 pairs of shoes always needing repairs I think he was quite clever to learn how to “Keep us in shoe Leather” to coin a phrase!

He bought several different sizes of cast iron cobbler’s “lasts”. Last, the old English “Laest” meaning footprint. Lasts were holding devices shaped like a human foot. I have no idea where he would have bought the shoe leather. Only that it was a beautiful creamy, shiny colour and the smell was lovely.

But I do remember our shoes turned upside down on and fitted into these lasts, my Dad cutting the leather around the shape of the shoe, and then hammering nails, into the leather shape. Sometimes we’d feel one or 2 of those nails poking through the insides of our shoes, but our dad always fixed it.

Hiking and Swimming Galas
Dad was a very outdoorsy type, unlike my mother, who was probably too busy indoors. She also enjoyed the peace and quiet when he took us off for the day!

Anyway, he often took us hiking in the mountains where we’d have a picnic of sandwiches and flasks of tea. And more often than not we went by steam train.

We loved poking our heads out of the window until our eyes hurt like mad from a blast of soot blowing back from the engine. But sore, bloodshot eyes never dampened our enthusiasm.

Dad was an avid swimmer and water polo player, and he used to take us to swimming galas, as they were called back then. He often took part in these galas. And again we always travelled by steam train.

Rowing Over To Ireland’s Eye
That’s what we did back then, we had to go by rowboat, the only way to get to Ireland’s eye, which is 15 minutes from mainland Howth. From there we could see Malahide, Lambay Island and Howth Head of course. These days you can take a Round Trip Cruise on a small cruise ship!

But we thoroughly enjoyed rowing and once there we couldn’t wait to climb the rocks, and have a swim. We picnicked and watched the friendly seals doing their thing and showing off.

Not to mention all kinds of birdlife including the Puffin.The Martello Tower was also interesting but a bit dangerous to attempt entering. I’m getting lost in the past as I write, and have to drag myself back to the present.

Fun Outings with The camera Club
Dad was also a very keen amateur photographer, and was a member of a camera Club. There were many Sunday photography outings and along with us came other kids of the members of the club.

And we always had great fun while the adults busied themselves taking photos of everything and anything, it seemed to us. Dad was so serious about his photography that he set up a dark room where he developed and printed his photographs.

All black and white at the time. He and his camera club entered many of their favourites in exhibitions throughout Europe. I’m quite proud to say that many cups and medals were won by Dad. They have been shared amongst all his grandchildren which I find quite special.

He liked taking portraits of us kids too, mostly when we were in a state of untidiness, usually during play. Dad always preferred the natural look of messy hair and clothes in the photos of his children.

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What Are The Greatest Changes In Shopping In Your Lifetime

What are the greatest changes in shopping in your lifetime? So asked my 9 year old grandson.

As I thought of the question the local Green Grocer came to mind. Because that is what the greatest change in shopping in my lifetime is.

That was the first place to start with the question of what are the greatest changes in shopping in your lifetime.

Our local green grocer was the most important change in shopping in my lifetime. Beside him was our butcher, a hairdresser and a chemist.

Looking back, we were well catered for as we had quite a few in our suburb. And yes, the greatest changes in shopping in my lifetime were with the small family owned businesses.

Entertainment While Shopping Has Changed
Buying butter was an entertainment in itself.
My sister and I often had to go to a favourite family grocer close by. We were always polite as we asked for a pound or two of butter and other small items.

Out came a big block of wet butter wrapped in grease-proof paper. Brought from the back of the shop, placed on a huge counter top and included two grooved pates.

That was a big change in our shopping in my lifetime… you don’t come across butter bashing nowadays.

Our old friendly Mr. Mahon with the moustache, would cut a square of butter. Lift it to another piece of greaseproof paper with his pates. On it went to the weighing scales, a bit sliced off or added here and there.

Our old grocer would then bash it with gusto, turning it over and over. Upside down and sideways it went, so that it had grooves from the pates, splashes going everywhere, including our faces.

My sister and I thought this was great fun and it always cracked us up. We loved it, as we loved Mahon’s, on the corner, our very favourite grocery shop.

Grocery Shopping
Further afield, we often had to go to another of my mother’s favourite, not so local, green grocer’s. Mr. McKessie, ( spelt phonetically) would take our list, gather the groceries and put them all in a big cardboard box.

And because we were good customers he always delivered them to our house free of charge. But he wasn’t nearly as much fun as old Mr. Mahon. Even so, he was a nice man.

All Things Fresh
So there were very many common services such as home deliveries like:

• Farm eggs

• Fresh vegetables

• Cow’s milk

• Freshly baked bread

• Coal for our open fires

Delivery Services
A man used to come to our house a couple of times a week with farm fresh eggs.

Another used to come every day with fresh vegetables, although my father loved growing his own.

Our milk, topped with beautiful cream, was delivered to our doorstep every single morning.

Unbelievably, come think of it now, our bread came to us in a huge van driven by our “bread-man” named Jerry who became a family friend.

My parents always invited Jerry and his wife to their parties, and there were many during the summer months. Kids and adults all thoroughly enjoyed these times. Alcohol was never included, my parents were teetotallers. Lemonade was a treat, with home made sandwiches and cakes.

The coal-man was another who delivered bags of coal for our open fires. I can still see his sooty face under his tweed cap but I can’t remember his name. We knew them all by name but most of them escape me now.

Mr. Higgins, a service man from the Hoover Company always came to our house to replace our old vacuum cleaner with an updated model.

Our insurance company even sent a man to collect the weekly premium.

People then only paid for their shopping with cash. This in itself has been a huge change in shopping in my lifetime.

In some department stores there was a system whereby the money from the cash registers was transported in a small cylinder on a moving wire track to the central office.

Some Of The Bigger Changes
Some of the bigger changes in shopping were the opening of supermarkets.

• Supermarkets replaced many individual smaller grocery shops. Cash and bank cheques have given way to credit and key cards.

• Internet shopping… the latest trend, but in many minds, doing more harm, to book shops.

• Not many written shopping lists, because mobile phones have taken over.

On a more optimistic note, I hear that book shops are popular again after a decline.

Personal Service Has Most Definitely Changed
So, no one really has to leave home, to purchase almost anything, technology makes it so easy to do online.
And we have a much bigger range of products now, to choose from, and credit cards have given us the greatest ease of payment.

We have longer shopping hours, and weekend shopping. But we have lost the personal service that we oldies had taken for granted and also appreciated.

Because of their frenetic lifestyles, I have heard people say they find shopping very stressful, that is grocery shopping. I’m sure it is when you have to dash home and cook dinner after a days work. I often think there has to be a better, less stressful way.

My mother had the best of both worlds, in the services she had at her disposal. With a full time job looking after 9 people, 7 children plus her and my dad, she was very lucky. Lucky too that she did not have 2 jobs.

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What We Have Here Is A Failure To Communicate

The results of this past election proved once again that the Democrats had a golden opportunity to capitalize on the failings of the Trump Presidency but, fell short of a nation wide mandate. A mandate to seize the gauntlet of the progressive movement that Senator Sanders through down a little over four years ago. The opportunities were there from the very beginning even before this pandemic struck. In their failing to educate the public of the consequences of continued Congressional gridlock, conservatism, and what National Economic Reform’s Ten Articles of Confederation would do led to the results that are playing out today.. More Congressional gridlock, more conservatism and more suffering of millions of Americans are the direct consequences of the Democrats failure to communicate and educate the public. Educate the public that a progressive agenda is necessary to pull the United States out of this Pandemic, and restore this nations health and vitality.

It was the DNC’s intent in this election to only focus on the Trump Administration. They failed to grasp the urgency of the times. They also failed to communicate with the public about the dire conditions millions have been and still are facing even before the Pandemic. The billions of dollars funneled into campaign coffers should have been used to educate the voting public that creating a unified coalition would bring sweeping reforms that are so desperately needed. The reality of what transpired in a year and a half of political campaigning those billions of dollars only created more animosity and division polarizing one extreme over another.

One can remember back in 1992 Ross Perot used his own funds to go on national TV to educate the public on the dire ramifications of not addressing our national debt. That same approach should have been used during this election cycle. By using the medium of television to communicate and educate the public is the most effective way in communicating and educating the public. Had the Biden campaign and the DNC used their resources in this way the results we ae seeing today would have not created the potential for more gridlock in our government. The opportunity was there to educate the public of safety protocols during the siege of this pandemic and how National Economic Reform’s Ten Articles of Confederation provides the necessary progressive reforms that will propel the United States out of the abyss of debt and restore our economy. Restoring our economy so that every American will have the means and the availability of financial and economic security.

The failure of the Democratic party since 2016 has been recruiting a Presidential Candidate who many felt was questionable and more conservative signals that the results of today has not met with the desired results the Democratic party wanted. Then again? By not fully communicating and not educating the public on the merits of a unified progressive platform has left the United States transfixed in our greatest divides since the Civil War. This writers support of Senator Bernie Sanders is well documented. Since 2015 he has laid the groundwork for progressive reforms. He also has the foundations on which these reforms can deliver the goods as they say. But, what did the DNC do, they purposely went out of their way to engineer a candidate who was more in tune with the status-quo of the DNC. They failed to communicate to the public in educating all of us on the ways our lives would be better served with a progressive agenda that was the benchmark of Senators Sanders Presidential campaign and his Our Revolution movement. And this is way there is still really no progress in creating a less toxic environment in Washington and around the country.

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