How to Hire a Home-Based Virtual Assistant for Your Business

You don’t need to be the CEO of a major corporation to have a personal assistant. The truth is that even small and medium-sized business owners can have personal assistants – even if they can only afford to hire part-time assistants. The bottom line is that there are countless miscellaneous and tedious tasks that can slow down your work. These tasks include organizing your server files, responding to emails, and a whole host of other tasks. As a business owner, you should be focused on growing your business and thinking of new and innovative ideas – all that other stuff can seriously get in the way. This is why hiring an assistant is so important – it may even help you grow your business. Here is how to hire a home-based virtual assistant for your business.

First and foremost, you want to make sure to decide what you want in a virtual assistant. Do you want someone to manage your schedule? Do you want someone to respond to emails? Do you want someone strictly for clerical reasons? Deciding what you want in an assistant will help you find the right assistant. Moreover, it will help you get the most from your assistant once you have made a hiring decision.

Next, you want to put the word out there. These days, there are many ways to advertise job positions. You can use a listing service like Craigslist, or you can use a job board. Another option is to put the word out on social media. There is a good chance that you will have numerous interested parties. You can ask for resumes and you can conduct video interviews to find the ideal candidate. The benefit of hiring a virtual assistant is that you don’t need to go too far out of the way during the hiring process.

After you get the word out, you can decide how much you want to pay an assistant. There are many unique pay structures for hiring assistants. If you don’t have a lot of money, you could pay someone hourly and then keep the hours to a minimum. Another option is to use a service like Uassist.ME that offers shared and full-time assistants for different price structures. You could go for the 20-hour plan for a few hundred dollars a month or you can go for the shared assistant plan for a few hundred more. When it comes down to it, there is no fixed-rate for an assistant – it is all about what you are willing to pay and what you think is fair.

Lastly, hiring a home assistant is important if you have too many tasks to complete and not enough time to complete them. If you are running a business, delegating the tedious tasks that take away from your position as a leader will help your business grow and succeed. When it comes to the hiring process, you want to make sure that you know exactly what you want from an assistant – otherwise you may hire an assistant that is not quite right for the job.


Music in our life

A man has always been dominated by the emotions. It is the emotions that make a person happier and it is the emptions that make the person sad. Emotional person is defined as the person who is always dominated by the emotions and his daily life is influenced by the emotions. This type of persons are mostly not successful businessman as one person cannot run the business based on the emotional point of view because to do the business a person’s needs to be more emotional and more practical in his approach. Emotional trait is very common in the persons in our society and this trait is majorly used in the demographics division of the marketing department. Many companies manufacture products that solely surround the emotional persons and the complete advertising campaigns are designed around them. The world famous brand of biscuits makes as by playing with the emotion of the people showing the relationship of a daughter with her father.

Music is called as the food of the soul as it gives enough energy and power to the inner self of the person. If we study the history of the music we will come to know that from the time when the human race begun music has been there in the human societies. The form of the music played in the ancient times was no doubt different as the instruments at those times were not well advanced but at that time too music was used to soothe the soul of the person. Music was considered to be a liaison between this world and the spiritual world. It was regarded as one form of meditation as it involved of concentrating to some particular points.

Today music has totally changed its shape. It now more about sounds rather than quality of the voice but this transcendence is accepted by the people and this industry is growing by leaps and bonds. Today we have music all around in our lives. But sometimes it becomes difficult to understand the words sung by the singer. This situation arises when a person hears a song in some foreign language to which he is not familiar. But now this problem can be solved by going on the website . On this website you can find different singers and their songs and lyrics can be easily written down and this would help you better understand the song.

Music Industry

Although we are aware from the categories of videos. It has almost unlimited types. Some are good for our new and present generation where as some are not good. It distracts the minds. Videos are mind catching. Our minds catch images and always keep it save in minds. So if videos you are watching are about violence, it is guaranteed that you will be in the favor of violence. If you are not in the favor of creation of violence, you keep on watching videos, you will become violent.

Videos leave a strong images not only for elders for children too. It depends up to you, how you utilize them. Bad videos are banned. First video was banned by MTV named Queen in 1982. There were a lot of logical reasons to ban them. Later dance segments were introduced. It means it was the time of great entertainment. Movies are most of time based on reality but sometimes it is fantasy. Fantasy in good way or to just entertain its audience is good but if fantasy is used to fool people.

Music is an art. is the safe and convenient. You just need to install it and you can convert your movies, videos, to your desired format. Videos were first used to amuse people only but with the passage of time it was used too many other purposes e.g. education, advertisement, etc. it became business too. Videos catch our memories for whole life, an event which is passed we can see it through videos. Time is caught by videos. These are memorable moment and videos help us to keep them save. Videos helped us to promote our culture.

Asian were unknown from American culture but through videos and movies, news channels Asian became to know about American culture. Every corner of world is known from different cultures. Asian music is consist of Arabia, central Asia, East Asia, south Asia and Southeast Asian music. Persian music and videos are most loved songs. In 20th century, music became very popular and it was the best way to spend extra time even now people just love to do this. Music and videos have a lot of type’s folk music, blues, traditional, etc. music is performed for some purposes.

All type of music or videos are based on some purpose. Some are formed for religious purpose, some promotes to romance, sadness, and etc. producers produced movies to earn more and more money because it is the most popular business today.

How Would You Recover Deleted Data After a Guest Account Log-In, in Snow Leopard?

Snow Leopard is one of the new versions of Mac operating system offered by Apple. Mac OS X Snow Leopard is globally popular and known for its improved performance, efficiency as well as reducing memory footprints. Like all other devices the Snow Leopard Mac OS too has certain faults. The users of this operating system often face data loss issues due to various reasons. This may be caused by accidental deletion, corruption of hard drive or operating system etc. Data loss is such a serious issue that it has serious repercussions on your personal life and business. However, you need not worry much about it as you have a way out to recover your deleted data.

Data loss issue is frequently faced by those users who had guest account enabled for log-in before switching over to Snow Leopard from its predecessor Leopard Mac operating system. While upgrading the OS some issue with the account configuration might lead to the loss of data. So you need to be prepared for recovering your data in case you lose it during the upgrade.

To recover deleted data after guest account logs-in, in Snow Leopard you are required to take backup of your data. This is strongly recommended. You can opt for Time Machine or other similar tools for taking data backup.

Here are some of the ways of recovering your data with the aid of system restore:

If you keep the data recovery tool running all the time, you would be able to restore your system to the most recently stored data backup. In case you come across any data loss then you need to restore the system at the earliest. To restore the system easily you need to follow the step-by-step instructions:

• Begin the process by booting the system from the Snow Leopard DVD (Keep pressing the “C” while system starts up and the disk is in the drive)

• Now go the “Utilities” menu and choose “Restore from backup” after selecting the preferred language

• Here you need to act as per the instructions coming on your screen

• While following the instructions ensure that you have chosen the most recent restore appearing in the menu of restore points

• Now finally click “Restore” and wait for the process to be completed.

The entire process of restoration takes a couple of hours. Moreover, you can try to disable or enable the guest account so that you can prevent any further data loss during the OS upgrade.

In case you are troubled by technical complications or you are running short of time then the best option is to call an experienced computer support service provider. All premium service providers are available online in 24x7x365 and take up your issue and resolve it efficiently. By calling them you get connected to a team of technicians specialized in fixing all Mac related issues.

5 Ways to Streamline Your Business Operations

If you happen to be a business owner, then you’re probably already well aware of the fact that in order for your business to be successful, you need to be as productive as possible. However, with all of the unexpected demands and situations that can happen on any given day, sometimes it’s hard to get as much done as you would like. That’s why it’s extremely important that you make sure to do all that you can in order to streamline your business operations.

If that’s something that you’ve been giving some thought to lately and you’d like some helpful tips on how you can make it happen, this is a great article for you to check out. It’s going to provide you with five things you can do to make the day-to-day running of your business a lot easier.

Hire an assistant. Although it makes sense that you would want to do all that you can in order to save a few dollars, one of the best investments that you can ever make when it comes to your business is to hire a personal assistant. That way, they can focus on some of the things that end up taking up so much of your time, whether that’s responding to phone messages and emails or updating your website and blog.

Pay bills in advance. If you’re not careful to keep up with your monthly expenses, you could end up going without electricity or internet service for some time. That said, paying your bills on time not only resulst in you being able to use all of the services that you’re paying for without interruption, but it’s also a great way to establish good credit too. For this reason, seriously consider setting up your bills in a way that you can pay them in advance. A lot of companies will automatically deduct from your bank account what you owe each month, leaving you with nothing to worry about.

File your taxes electronically. Speaking of paying things, here are two tips for paying your business taxes: pay them on a quarterly basis and make sure that you file them electronically. These are two ways to keep your books straight. Plus, by filing them online, you can save a significant amount of time. For tips on how to file taxes online, visit and put “filing taxes electronically” in the search field.

Take full advantage of social media. Say that you were a nurse who ran a consulting business. If you were looking to streamline your company, you might want to look into using a cloud-based software application like TaskMaster Pro. And what should you do if you want to market your business? You should definitely take advantage of all that social media platforms have to offer. Thanks to Facebook, Twitter, Instagram, Pinterest, and so many other platforms, you can get the word out about your business without spending any money out of pocket. Plus, thanks to websites like Hootsuite, you can pre-program your content so that you don’t have to post things on a daily basis.

Create a virtual office. The first tip was to get an assistant, right? Thanks to the internet, that can be someone who works in an office space alongside you or someone who is a virtual assistant. In fact, you might want to consider creating a virtual office. Not only will that save you money on overhead costs, but it makes it possible for you and your contracted workers to work from anywhere, so long as there is a Wi-Fi connection. For tips on how to create a virtual office, visit All Business and put “10 tips for creating a virtual office” in the search field.


How are your online home loan leads conveyed? Despite the

How are your online home loan leads conveyed? Despite the fact that you could deal with a MS Excel spreadsheet or burden your prospect/ lead list into your call focus’ dialer or a current CRM result, what happens when a lead requests that you catch up following six months? By what method will you prioritize your home loan heads for catch up through your deals group? In what manner will you spare call discussion points of interest and other extra data for your contacts?

Lead Management Options

A percentage of the choices for home loan lead administration are:

1. Microsoft Excel

2. Crm

3. Lead Management Software

Exceed expectations spreadsheet is simple however extremely work far reaching medium for overseeing warm prospects. CRM is client situated and concentrates on overseeing clients after real deals. It is not perfect for showcasing experts for recognizing, following and qualifying your chilly/warm prospects. Lead administration programming understands all above issues and is most perfect for dealing with your leads.

Recorded beneath are a percentage of the points of interest of lead administration programming for dealing with your online leads:

• Capturing leads – Import home loan heads from your site, promoting records or your seller can specifically import it on the web.

• Distributing prompts deals – Once rundown is transported in, programming naturally appropriates prompts your deals group progressively for catch up. This permits speedier contact and catch up.

• Tracking and logging calls – While your tele calling operators might constantly call prospects when incited, it ordinarily takes somewhere around five and six endeavors to contact them as indicated by customer information from Leads360 (programming). Numerous virtual products naturally track all deals activities connected with a lead, for example, contact endeavors, message left, qualified contacts, showcasing/deals archives sent, terrible contacts et cetera.

• Converting or sustaining despite enthusiasm toward your offer, a few prospects basically are not qualified/qualified enough to refinance or acquire a home loan. With administration programming, you can sustain your contacts until they are prepared.

• Analyzing key results – Software naturally tracks key execution measurements, for example, contact rate, application rate and number of financed advances. These execution measurements are vital in computing the rate of return (ROI) of your leads. Implicit reports and expository instruments permit you to break down the viability of your deals and advertising crusades and focus the genuine ROI of your web showcasing/deals programs.

Lead Management Software Vendors

Lead administration programming can specifically influence the achievement of an online home loan lead era program, and a few excellent programming, for example, Leads360, Lead mailbox, Mortech and Leadroi are accessible nowadays.

Technique to advertise items, administrations regardless offers, deals with its essentialness as a real and greatly proficient methodology of offering itself as a huge instrument to permit organizations to effectively push a particular extent or a lot of administrations, despite the business. An email showcasing organization requires to have the capability to deliver and bring the definite answer for acquire most profitable results for their clients and fortunately there are various masters working over the world today, giving excellent administrations to organizations.

Truth be told, an email advertising organization can give complete showcasing answers for your business. It would choose the email rundown of your target group and achieve them through a pick in battle. In the event that you as of now have an interior document with regular postal mail subtle elements, then it would add email ids to your database. Really, it helps in outlining your email fight. You can acquire created email substance, spellbinding titles and powerful duplicate in a provocative organization.

In addition, these associations would get you arranged for takeoff. It will transfer the mailing rundown and execute your crusade. You can likewise search for online instruments and reporting framework. It will make you equipped for measuring the productivity and ROI of your fight. This is an essential issue and due to because of this you can roll out specific improvements in your fight. Also, a crusade is supported because of this kind of clearness too.

With different email administration suppliers out there, it is noteworthy to pick the right answer for match your prerequisites. A group of specific individuals lives up to expectations capably to give an effective and productive way to best push your items, administrations and exceptional offers you may have or need to market to present clients who have selected into your mass email showcasing administrations and also, prospective clients who may get your email of premium. The work behind any association is to figure out and find the likelihood of the particular business being referred to. As such, who their target group is, the thing that demographics are they need to focus for, the sort of items and administrations the organization gives to prospective clients earnestly perusing the web for those specification.

The Ni number ensures that the NI contributions and tax you are paying is properly recorded onto your records. You pay Insurance to build up your entitlement to certain social security benefits, including the State Pension, unemployment pay and incapacity benefits. This number also acts as a reference number for the entire UK social security system. Each employee’s National Insurance is made up of two parts, namely, Employee and Employers NI.

Top 5 Skills That Every Warehouse Manager Should Have

warehouse manager‘s job is quite stressful and demanding. A shipping and receiving area is a chaotic place, which is why a warehouse manager should have a personality that is cool, reserved, and organized. Your business’s warehouse is a vital component to the integration of your company’s various processes – it is where merchandise is stored and it is where inventory items are sent out to customers and clients. If your warehouse manager doesn’t display some very essential skills, there is a good chance that he or she will not be an asset to your business’s operations – you want a manager that can steer the ship and maintain it too. Here are the top five skills that every warehouse manager should have.

  1. Leadership. One of the most important skills is leadership – all warehouse managers need to be leaders if they want to properly steer your business’s shipping and receiving center to a place where it can expediently and efficiently organize and ship inventory. Your warehouse manager should be able to conduct with a professional demeanor while at the same time making sure employees are properly trained for the task at hand.
  2. Organization. A business’s warehouse needs to be organized, which is one of the reasons why a warehouse manager needs to have impeccable organizational skills. Not only should everything be labeled in your warehouse, but there should be a database system that ensures that everything is properly processed. That database should also be able to automatically register products according to what is in stock and what needs to be in stock. Moreover, your warehouse manager should have a system in place to make sure the demand of certain merchandise is properly analyzed and registered accordingly.
  3. Constructive. Constructive skills include the ability to problem solve and to be able to fix complicated problems if need be. What happens if there is a major shortage of a certain product, but there are new orders that need to be filled right away? Your warehouse manager should be the kind of person that can pull a rabbit out of a hat in a tight situation. The last thing you want is a manager that cowers under the pressure – this kind of attitude will only hurt your warehouse and, ultimately, your business.
  4. Resourceful. Resourcefulness is another important skill to have as a warehouse manager. What happens when your warehouse needs a brand new palleting system? Your warehouse manager should be able to find a company like Material Handling Exchange that can provide the palleting that is needed. On top of that, your warehouse manager should be able to build the palleting system and lay out the architecture of your warehouse’s shelving units.
  5. Financial. Having financial skills is important because it will help when it comes to basic questions about supply and demand. It is also important for a warehouse manager to find ways to save money. Without a very basic financial skill set, your warehouse worker won’t be able to steer clear of financial pitfalls and other economic catastrophes. In the end, you want a manager that can look out for your business’ best financial interests.

5 Benefits of Cultural Diversity Training in the Workplace

A culturally diverse workplace can be advantageous in a number of ways. First and foremost, it is a good reflection of the global population. Although the population of the United States is predominantly of the WASP (White Anglo-Saxon Protestant) variety, the fact is that the residents of the world include a diverse array of cultures, ethnicities, religions, age groups, socio-economic backgrounds, and so on. And it an ever-growing global economy, it’s important to make sure that different consumer groups are represented within your ranks. This can only help your company to better understand the demographics it caters to, not to mention offering a measure of relatability to consumers interested in your brand. Of course, you may first have to deal with biases on the home front that are throwing a wrench in the works. And cultural diversity training in the workplace can solve your problem and offer myriad benefits along the way.

  1. Raise awareness. It isn’t uncommon for people to remain relatively unaware of other cultures and groups, especially if they haven’t had any interactions with individuals from those groups. So you might want to kick off your cultural diversity training with a primer on the types of employees present in the workplace. You should also discuss the fact that diversity extends to include not just culture and ethnicity, but also gender, sexual preference, age, religion, socio-economic status, and even disability. When you make employees aware of what it means to perpetuate a culturally diverse workplace, they’ll immediately have a better conception of how to think and behave appropriately.
  2. Increase tolerance. You need to take the time to discuss the fact that discrimination does exist in the workplace and that it can sometimes be difficult to tell when actions are considered insensitive, harmful, and discriminatory in nature. The first goal of most cultural diversity training programs is to make employees aware of the fact that intolerance and discrimination of any kind is prohibited.
  3. Promote appropriate inter-office relations. It seems unfathomable that in this day and age, employees would be unaware of how to behave in a professional manner in the workplace. And yet, it’s not uncommon for people to tell off-color jokes in the office setting, engage in sexual suggestiveness with coworkers, and even act in an openly discriminatory or bigoted way. Cultural diversity training can help to show employees the error of their ways and transform your office into a safe and comfortable environment for everyone on your staff.
  4. Increase cooperation and productivity. When people begin to realize that their coworkers are more than just a bundle of stereotypes, that they’re all basically the same, with the same wants, needs, feelings, and fears, you’re likely to see an increase in respect and cooperative interactions. This, in turn, can lead to an uptick in performance, morale, and overall productivity.
  5. Improve your reputation. You might not initially see how the effects of your workplace diversity training extend beyond your walls, but in addition to improving your understanding of the global market, you’ll also improve your reputation. And this can help you when it comes to hiring employees, contracting with vendors, and of course, making sales. Whether you rely on DiversityInc best practices for pointers on workplace diversity training or you hire a company to help you craft your training program, you stand to gain all kinds of benefits when you focus on diversifying your company.

What To Do With Bad Credit And No Collateral

If you have had financial mistakes in your life that have caused damage to your credit history and credit score you might find yourself in a situation where you need to obtain a loan. Unfortunately because of your bad credit history and score you are being turned down for every loan that you apply for. If you have a bad credit score most lenders will not lend you money without some sort of collateral. This is used to secure the loan in the case that you default on the payments. So what should you do if you do not have any collateral to pledge for the loan? This article will help to give you some ideas so that all hope is not lost.

Ask Family Or Friends

There may come a time when you have bad credit and need a loan. There are not many lenders that are going to want to take a chance on you without collateral. Often times if you have bad credit you will not have the collateral to pledge. This is the time to swallow your pride and ask family and/or friends for help.

When borrowing money from family and/or friends you should treat the loan just as you would with a traditional installment lender. You should have a contract written and both parties should sign it. With this piece of paper in place there will never be a doubt as to how much money is owed at the end of the loan.

It is also important that you be sure you make your payments on time. Not paying back a friend or a family member the money you owe to them can be detrimental to the relationship and cause huge problems. This can make holidays or family get togethers very uncomfortable.

Payday Loans

If you only need a small amount of money and it is for a short period of time you might be interested in learning about a payday loan. This type of a loan should only be used for a short-term financial solution. These loans come with a very high interest rate and if you cannot pay the loan back in full and you are stuck rolling the loan over until your next paycheck you will be paying a large sum of money for interest and administrative fees. These loans can often cost as much as double or more of the original amount of the loan.

Peer-To-Peer Lending

Peer to peer lending is another loan option that will not need collateral. However these loans are difficult to find. You can search on the Internet and put an application out there for all investors to see. If the investor likes what he or she sees then they will lend you the money. These loans do not involve collateral but also have a higher interest rate than those of a traditional lender.


If think that all hope is lost because you have bad credit and no collateral do not panic. There are still options available to you. The trick is knowing where to look. By doing a little bit of research you will find all of the options and you will be on your way to obtaining the loan that you need.



How To Avoid 3 Common Legal Mistakes Small Business Owners Make

Hey, it’s Marie Forleo and you are watching MarieTV, the place to be to create a business and life you love, and this is kinda like Q&A Tuesday. I’ll tell you what’s going on. There’s a topic that hardly anybody talks about and it is so important. In fact, it’s so important that if you don’t get it handled, it’s the kind of thing that can take you and your business out. What I’m talking about is how to protect yourself legally, especially if you’re an artist, creator, or entrepreneur. Now, y’all know I am not a lawyer and nor do I play one on MarieTV. However, I have brought an amazing attorney in today who’s gonna help me out, and this woman is incredible. She’s one of our B-School grads, she is so smart, and she’s someone that I turn to when I need legal advice and council.

Jo-Na Williams’ story began 15 years ago as a background vocalist for independent artists
and it took a fortuitous turn when she was not credited or compensated for her work.
As a result, she’s committed her life to educating and protecting artists and entrepreneurs
through her work as a lawyer and business adviser through her companies: J. A. Williams Law, The Artist Empowerment Firm and The Artist Empowerment Group. Her clients include Grammy nominated musicians, award winning coaches, talk show hosts, international speakers, and bestselling authors. Jo-Na, thank you so much for being here. Thank you so much, Marie. It’s so great to be here. Well, I’ll tell you, I have wanted to cover this topic for a long time because we get a lot of questions about it and I know it’s a very big subject area and, of course, we could sit here for days, but we ain’t gonna do that. We’re gonna keep it focused today about 3 main areas. Really, the most important areas that we need to get handled legally if we want to move ahead and really have a strong legal foundation. So the first is choosing the right business structure. What do we need to know, Jo-Na, about choosing the right business structure? How do we make that decision? Well, first of all, Marie, I’ll just tell you, there are lots of misconceptions about this. Most people think that you should just jump and just register whatever, but the bottom line is is that the most important thing that you need to know about having a business structure is that it protects your personal assets from the debts and liabilities of your company. So it’s basically putting a shield around you personally and allowing your company to contract with your clients or provide services and things like that. So you really wanna make sure that you pick the right one for you and you don’t wanna just jump to an LLC. nThat’s what most people do. They think, “Oh, business structure. Perfect. I’ll just go register an LLC.” But that may not be the best option for you because it depends on your tax situation. You may have kids, you may have other assets, your company might want to grow to a different level. So you really should just talk to an accountant and a lawyer to decide which one is best for you. I love that. And just coming back to my own story, when I first started, I was terrified to even talk to a lawyer because I felt like, “Oh, I can’t afford that.” So that’s actually what I did was talk to my accountant and that was the best thing that I did because exactly as you said, we went through my specific tax situation and he also asked me about where do I see the company going and that’s how we made that decision. So I love that. So for people watching, it doesn’t have to cost that much money. Right? I know that that’s… money is always the big thing. That was my big thing. Oh, I can’t afford it. So when it comes to choosing your business structure, if you can’t necessarily afford to go to a lawyer right now, an accountant is a good choice.



I think that’s… that is a really great option. If you decide that you can’t afford to have a lawyer work with you, then, yes, talk to an accountant if you’re strapped for cash and the most important entities that you… that give you the legal shield are the C corp, the S corp and the LLC. So you wanna speak to your accountant and find out specifically which one would actually work for you based on your tax situation. But I wanna talk about a little bit about the misconception about it… a lawyer being a lot of money. Yeah, absolutely. Because I know that’s what holds so many of us back from even thinking that we can get all this stuff handled is I can’t afford it. So when do you have to say to people if that’s their excuse? Well, as you know in our industry, it’s often that people want to pay for solving a problem versus prevention. Right? And, I mean, and that’s all of us. We all… when
the stuff hits the fan…

That’s when we’re ready to pay. Of course. I mean, it happens… I didn’t want my dog to go pay for him to prevent him to get fleas, but once he got fleas I spent hundreds of dollars to get rid of them and now, of course, I want to prevent them from ever happening again. So same thing. Yes. Absolutely. And so I like to liken it to if you have a car, for example. You wanna pay for regular oil changes, tire rotations and things like that so that your engine doesn’t break down. So that’s gonna cost you a lot more money than if you were to just pay for prevention, preventative care. Or if you go to the doctor, for example. Instead of going when you’re getting sick, just going regularly and getting your checkups and making sure that your health is ok. It’s the same thing with having a lawyer for your business because your business is its own entity, so it needs to be taken care of, right? So it needs to have that legal health. So you wanna make sure that you have a lawyer on your team, kind of like a doctor for your business. Yeah, no. I mean, that’s great. And that analogy because think about it, and I know this, as the business gets bigger if you don’t have the right legal foundation in place, something happening legally can be fatal for your business. Absolutely. It can totally take you out. And I’ve actually… I actually had a client come to me a long time ago and she… this was the situation that happened with her. She didn’t get the right advising about her business structure and she ended up paying 50% of what she made that year in taxes and it did shut down her business. So it was heartbreaking for me, but luckily we were able to take care of it. But you don’t wanna have something like that happening just because you weren’t able to talk to a lawyer or an accountant about the right business structure for you.

So it’s something that’s really important to your business to make sure you get that,handled. Yeah. So what do we need to know about protecting our goods and services? The thing that you need to know the most about this area is if you don’t have something written down, you’re creating a bunch of verbal agreements with people that have no terms. So it’s really important that you have a service agreement. And the service agreement is going to outline what you’re providing the person, what their obligated to pay, you wanna make sure you have your return policy clearly outlined… Yes. …and for people who are in high risk type of professions, you wanna make sure that you have some type of disclaimer because it’s just as important to know what you’re going to be responsible for and what you do as a service provider and what you don’t do. So,for example, if you’re a health coach, you wanna make sure that you have some type ofm agreement or some type of disclaimer in there that says, “Hey, I’m not a therapist, I don’t prescribe medication,” X, Y, Z. So these are the kind of things that you want.

But it’s really important that you talk to a lawyer about this part of it because then they’ll be able to look at what are the areas that you are… that you are providing services in and how they can prevent against the ones that you aren’t. So it’s really important to make sure that you talk to an attorney about that part of it.

So do you have any idea like a ballpark figure of what someone could expect to pay to get a service agreement and these kind of disclaimers in place? I think it really just depends on the lawyer because some lawyers, they charge on an hourly rate and some of them charge on a flat fee. What you wanna do is interview the ones that you’re thinking about hiring and then ask them what their fees are and what’s associated with it and then you can make your decision from there. I love that. And I love this idea of interviewing several lawyers because I’ve worked with many in my career and I wish I would’ve done more of that because you can really get a good sense of how people interact and all that stuff, so perfect answer. It’s a relationship. So you wanna make sure that if this person is gonna be the general counsel in your business and gonna help you with developing your business and understanding what you need as you grow, you wanna make sure you have the right person doing that, so it’s important to interview.

Ok, so our final area today is about business relationships, and I think this is the one that you are the most passionate about. So what do we need to do to handle ourselves legally with our team or anyone that we’re doing business with? Well, Marie, this is one of the areas that I absolutely love talking about because so often it is missed in our industries, especially when you’re an online entrepreneur. You are hiring VAs, you’re hiring different team members, and it’s so important to make sure that all of your business and that your personal information is protected. So you’re exposing them to passwords, client records, all kinds of credit cards. Yes. So it’s really important that you have some type of agreement in place that makes sure that they are not gonna take that information and distribute it outside of your company. So you need to have some type of independent contractor’s agreement and you need to make sure that it has a nondisclosure in it. And that means that you come into my business and you can’t take anything outside of my business when you leave. Yes. Thank sweet heavens. I remember a little while ago when I first started getting all of my NDAs in place, I breathed a sigh of relief because I felt terrified.

There’s a lot of sensitive information and a lot of projects and ideas and book things. And I know it maybe not is the best thing in the world that I’m like, “Oh, God. What if that gets out?” But it made me feel so much better and it always makes me feel so much better. It’s so true. And also when you’re an online entrepreneur, most of us don’t have the privilege of seeing our teams or bringing them… or flying them in. So you really need to make sure that you have the right people in place and how you ensure that, take a preventative measure, so to speak, is to make sure that you have something that they’re signing that makes sure that they understand what it is that they’re going to be providing you for services, how you’re going to terminate the contract in the event that they don’t work out, and all of these various different things like protecting your IP, for example. So it’s really important to have that and the other thing, if you’re in the United States, if you’re planning on paying someone over 600 dollars in a given year, you wanna make sure that you get their W9 form as well because you’re gonna have to issue them what they call a 1099 form at the end of the year so you can write that income off that you paid them. Right. And it’s really important that you do that because you want as much money as you can get in your business and you wanna keep it. You don’t wanna pay it to Uncle Sam. Yes. You want to keep it all tight and right and above board. Exactly. And obviously W9s, that’s appropriate for a contract based worker.

Absolutely. Absolutely. And also, what I always tell people to do is get the stuff right up front. As soon as somebody comes to you and they want to work with you and you’re like, “Great, this is gonna be a great relationship, I wanna work with you,” first thing you do is send them the independent contractor’s agreement and then send them a W9 to fill out because if you… the relationship doesn’t work out and you decide that you don’t want, to hire or you don’t want to use them anymore, you wanna fire them, it’s gonna be really hard for you to get that form afterwards. So… That’s like a pro tip.

Yes. That’s a total pro tip. I love it. Get it up front.Get it up front. Jo-Na, thank you so much for being here today. This was fantastic. Thank you so much Marie. It was so much fun. So if you wanna learn more, everything is right down below. So Jo-Na and I have a challenge for you today. If you don’t have all your legal ducks in a row, what’s one step you can take right now to start making that happen? Tell us about it in the comments underneath the video.