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I DO IT ALL

Have you ever felt like I do it all and my family doesn’t even notice? Of course, you have as every person feels this way at one time or another.  We need to take care of ourselves!  We are better spouses, parents, and employees when we take care ourselves.   If you’re looking to become a better person the following 6 tips will help smooth the transition into creating some new habits.

Choose How You Start Your Day

You have a choice every morning when you wake up.  You can choose to start grumpy or you can start happy.  Take time to be grateful you woke up and have an opportunity to begin a brand-new day.

Keep Positive People Close to You

Are you aware people around you can encourage you and uplift your mood.  They can also be a negative influence and bring you down.   Keep positive people who believe you around on a regular basis.  You will become like the 5 closest people you around the most.  Make sure they are your positive influences.

Listen to the Right Kinds of Music

Did you know the kind of music you listen too can affect your mood?  Uplifting music will change your brain waves and if fast will boost your adrenaline.  If feeling down, turn on some music you could dance to.  Toe-tapping tunes guaranteed to lift your mood.

Time Block

When you section your day off by time blocks this allows your brain to stop feeling overloaded.  Give yourself an allotted time to get something done and you will accomplish so much more.  Have you ever started what should only be a 30-minute project and 2 hours later you still haven’t accomplished the task?   Time Blocking eliminates this problem.  This works at home and work.

Grab an Accountability Partner

Set some attainable goals.  When you do find an accountability partner.  Someone to keep you on track.  If it is exercising then check in daily.  No one wants to tell their partner they failed.  It keeps us on track.  We work much harder when we know someone is watching.

Shut Down and Unplug

Technology rules our lives today.  Thus, the need to truly unplug from all forms of technology and media.   This is the time to be in contact face to face with friends.  Call and set up some friend time or in business a one on one coffee time.

 

MCA is a third party debt collection agency that has been in constant business since 1950.  We are rated A+ with the Better Business Bureau and we pride ourselves in excellent customer service along with delivering great recovery rates.  There is no cost to you unless we collect!  Why not try and re coop some of your past due accounts with no out of pocket expense?
 

Teaching Your Children to Save

Teaching Your Children to Save is priceless developing their lifestyle when they are grown.
Start with their first piggy bank. Let them begin when they are young. Make it fun and easy to save. Teach them the goal is to fill up the bank. Encourage them to put any change they receive into their bank and not spend it.

Open a savings account for them. Recommend taking a percentage of all gifts and money earned and put into their savings account. A perfect example of compound interest is to show how doubling a penny once every day for 30 days will eventually generate $10 million dollars!piggy-bank-1446874_1920

Create a visual. Draw a thermometer on paper to show how much they are saving, allowing them to see the progress. Another Visual would be using a long strip of paper and a marker. Have $0 on one end and $100 on the other end. Create milestones $5, $25, $50 etc. Depending on their age give our sticker rewards.

A clear jar is another great visual for kids to see results as the jar fills. Have a goal of how much they want to save before they take the money to the bank to put into their savings.

Be a True Example. Show how you are putting money in your savings. It could be that you share with them the envelope system by money guru Dave Ramsey. You break money down into 3 or 4 sections and put them money in each of the envelopes.

Talk to your children about money. They do not teach this in the schools so it is up to the parents to make sure children understand how to save or they will always live paycheck to paycheck.

Asking right questions can get them to think long-term and have a positive relationship with money. Letting your children know you’re always open to have a conversation about money can encourage them to ask questions. It is a tough learning curve.

MCA is a third party debt collection agency that has been in constant business since 1950.  We are rated A+ with the Better Business Bureau and we pride ourselves in excellent customer service along with delivering great recovery rates.  There is no cost to you unless we collect!  Why not try and re coop some of your past due accounts with no out of pocket expense?
 

Local Marketing

When it comes to Local Marketing not everyone understands the importance of local directories!

You may have ignored your local search options in the past but that is no longer an option. You may have not done this intentionally but this is a must since it is a way for the playing field to be fair for every business owner.   If you want to be seen on Google this is a must!

This is the first-place Google recognizes you as a business.   We live in a google search first society.

Let’s make sure you are listed.

Credit: http://www.elementarytech.net/2016/01/18/february/

What Is Local Search?

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Focus = Productivity

Focus will influence your productivity.  Have you ever considered all the things in your day the compete for your attention?   You would think with all the technology today we would have more time not less.  You would think with the way technology has allowed us to automate and streamline so many tasks life would be easier.  Yet in many ways it has clogged up our efficiency and because of learning curves it has caused us to lose focus and waste time.

Dog and catWe have been taught you must be good at multi-tasker to be productive.  This is the biggest lie we have been sold in business and life.  Successful men and women have learned that true focus is the KEY to productivity and greater success.

If you think multi-tasking is wise, let me ask you this.  When you are listening to a webinar online and you are looking at your email, text etc.  Can you really tell me what the webinar was about and what did you miss?  Did you respond with a clear mind to the emails correctly?  Did you catch that auto correct on your text?   Exactly!  The term one track mind has been said in a derogatory context but that is what we need to have to be productive.  It is called FOCUSED!

Focus means you should be able to get up each day with a clear idea of how that day should go and if you take each task one at a time and complete that you will have a greater sense of accomplishment.

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7 Costly Mistakes Business Owners Make

Ways to avoid the 7 most costly mistakes business owners make:

  1. Costly Business MistakesThe number one mistake business owners make is thinking they can do it all. You must realize we have experts for a reason.   You wouldn’t want a Dentist removing your Gallbladder no more than you would want a Bookkeeper doing your Collections.    They must know logistics and have skills for each of those.   Each are great in their own area of expertise.
  2. Another area that get businesses in trouble with the IRS is mixing personal and business finances. If it is business it should come out of your business account and if it is a personal purchase those funds need to be moved to a personal account and written out.   You cannot mix to two and expect any legal type of protection.
  3. Don’t miss deadlines. Filing the different documents, you need for your industry.   Each industry is different however taxes and filing estimated taxes, payroll taxes and income tax is typically the same.  Don’t miss those deadlines.
  4. Cutting corners. This is a different area to look at using professionals in their industry.    If you need a contract that will hold up in court, you don’t want to necessarily find one on line as that is not written to protect you.     Using an online software to do your taxes when the professionals know what to ask for.  You could be missing more deductions and pay more overall.   Now using refill ink printer cartridges may be wise do your homework before purchasing a used printer.  Cutting corners in NOT the way to go.
  5. Not keeping good records. You may need to hire a bookkeeper or at least a VA to help in this situation.   You want to be sure you are documenting all expenditures.   You are spending the funds just make sure you can prove where and why.
  6. Are you pricing your products or services correctly? It is hard to determine what the market holds and how to price.   Typically keeping in mind clients usually go for the middle pricing you don’t want to be the least expensive not do you want to be the most expensive.   Here is a guide to help with pricing.
  7. Don’t over promise and under deliver.   It would be wiser to under promise and over deliver.   No one minds when you deliver goods or services earlier than ETA but no one like to get something late.  That is the fastest way to ruin you good reputation.   Customer Service is Golden and EXPECTED.

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Business Tips for Saving Money in 2017

Business Tips for Saving Money in 2017

What Business Owner isn’t looking for ways to save money in the new year?

Free Software: 

Take advantage of  Download.com and you can trial run or many times for free try different software to save you time and money.  You can also check out the site of the software manufacture to see if they offer a free version.

Business Money Saving Tips MCA Collection Agency 

Virtual or Work from Home:

With the cost of a lease or building build outs up the 100,000’s or more with long term leases.  There is so much less risk with building virtual teams.   It is also the perfect way to test an area.   This is always the ideal way for an entrepreneur to start a business.

 

Collection Agency

Why spend endless time and money trying to collect on bad debt.   Start off with an A+ BBB rated Collection Agency and have them ready to collect on any unpaid debts.  Make sure you use one where you only pay if they collect.  Check out family owned MCA Collection Agency.

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Managing the Phone at Work to be More Productive

phone-headsetManaging  the Phone at Work to be More Productive

You may or may not have considered this.  You determine the success of your day by how well you use the phone.  If you are spending too much time on a call you could be costing your company money.

Today, many would rather email or text yet a quick phone call could save a lot of time and energy.

For those of you promising yourself each day to control those phone calls, and not get sidetracked.  Here are some simple strategies to save some of your precious time.

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What’s Your Customer Worth?

calculator-1680905_1920

What’s Your Customer Worth? What is the lifetime value of your customer? Do you know the economic value of each customer who buys from your you?  If your answer is, $47 or $95 or the price of your product, then that’s the wrong answer! You just identified the value of the first purchase.

The most important number to know off the top of your mind is the “lifetime value” of a customer.  Did you know that you’ll spend five to seven times more

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Start Off Your Week with Less Stress

stress-853642_640Start Off Your Week with Less Stress!  Stress can affect every part of your life.  If tension builds throughout your week, you could have trouble sleeping.  Then in turn wears on your health.

Don’t continue the cycle – try this simple steps to start your week off with less stress.

RELAX:

Stop the Rush:  Slow down!  You probably rush around all week trying to give your best all week at work and then try to get your children from one practice to another while trying to a supportive spouse or partner.   Get up a few minutes earlier so you are not rushing and allow time between appointment to have a moment to gather your thoughts.  Take time to smell the roses.

Turn off the Cell Phone:   Try taking an hour each day and disconnect using the phone.  Instead meet family and friends face to face.   Keep the REAL relationships strong.

Mediate or Pray:  This is the time to unwind and connect with the source that gives you strength.  Study or read inspirational books during this time.

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Hiring A Collection Agency – Unpaid Invoice

Hiring A Collection Agency – Unpaid Invoice  – Your client is really late on paying their invoice…..  Now what do you do?

Typically you would send them a reminder and possibly a second reminder…..

Hiring A Collection Agency - Unpaid InvoiceLet’s say hypothetically “ABC Office Design” a St. Louis based Office Furniture company wins the contract to supply and new office building with furniture.   ABC Office Design signs a contract and collects the deposit with an agreement the “Sunshine Towers” will pay so much per month.  Starts off great but in about 6 months they haven’t paid but one payment and the deposit.   Now the furniture and designs are already delivered and in place.

What do we do now?   Time to make a decision.

Probably time to send a demand letter but will that accomplish anything?    It depends but worth a try.  Here are some tips on the Do’s and Don’ts of Demand Letters.

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