How to make money in 2012 ?

Today I will discuss a little about how to make money in 2012. Some of you may be thinking "Hey, we're still in 2011", in fact, in October 2011, which means it's time we start to gradually plan what we want for the year 2012.

Many people are in doubt: What if my business fails? Will she be only wasting time and resources?

Remember, you only really know after doing it, to put into practice. But some steps can be taken in any business (whether offline or online) to ensure that there is a good number of chances before you even start:

The key point of your business (product or service in question) has some relevance to an audience that can afford to do so?

This product or service really delivers what is expected? Who buys will feel motivated to buy it again in the future?

How is customer service? Consider both the pre-sale and post-sale!

How is the competition? What are your strengths and weaknesses? You are able to overcome them with the resources they currently have?

Do not have a good plan of action detailing what should be purchased, made, contractor, etc.?

Do not have a good marketing plan detailing how you hope to achieve your target audience as well as the best way to introduce yourself and present your product?

Do not have a good investment plan detailing how much you need to have in order to fulfill its action plan and your marketing plan?

Have you made up simulations of their future cash flow trying to predict what may happen in situations both positive and negative positions?

You've organized all this information (and more!) In a business plan? Even if one can not complete at least a simplified version - better a simplified document that nothing in time to manage your business!

Their estimates are real? That is, the values listed in the documents are not elevated or reduced in favor of your business vision?

He has presented its business plan and other data to a third person with more experience and can complement it with important tips for your action plan?

And after all, you're right that is creating a real business?

Did you see how many questions can help you guide your business? And now I will speak what is the big problem of at least 80% of people who read this article: to agree with all these questions, some even say that what is written here can be read in "any magazine or website about business management and therefore does not bring much news, "but when they return to their business, they realize they still face the same problem and even sought to answer all these questions. Guys, do not read good and do a thorough examination! Answers on a paper and those questions you often answered "no" or gave any response to the negative, please think about what you can do to reverse the situation!

My Friends mentioned that in your next web business she hopes to earn a better return and faster (in fact, the commentary is as of January this year, I believe that your business should already be in full swing today! ) And I'm sure she'll have a good return, because as she said, learned a lot from the previous project, which will lead to a better way.

Problems regarding the working capital

Already My friend commented that her clothing sales business is growing a lot, but you can not do enough cash, so lacking working capital, need to appeal to so many times for revolving credit.

She even thought about starting a new business, perhaps in the food industry, but fear but the lack of working capital, which would lead to borrow considerable to initiate activities.

My friend, your problem on the formation of working capital is a common problem in many companies - and that makes the day-to-day them much more difficult.

Let's think as follows: Suppose a company needs today of $ 1,000.00 to invest in your business (renewal of inventory, for example), but has no such capital. If she uses the revolving credit with an interest of 15% per month (very common in the case of individuals who work reselling clothes), can easily be paying about $ 150.00 more if they pay the amount in 30 days - and interest may reach almost $ 300.00 if pay in 60 days!

Hence, we've seen that did not have the $ 1,000.00, the biggest problems we may have to repay the debt of R $ 1,150.00 or $ 1,300.00 R after the purchase of new stock. Now what?

The first step is a much more accurate control of where you're going all the money in business, if possible, separating personal expenses as "business expenses" (yes, even if you do not have a company, you should do this). By cutting costs, it is likely that realize that are personal expenses that are consuming the entire profit margin, not allowing the formation of the box. In this case, there is no other choice but to better manage personal expenses!

If you find that the problem is really in business expenses, then it's time to wipe them. For example, after the fall I had traffic on my blogs (resulting in problems in income) and termination of a contract that was very profitable, I was forced to temporarily shut down its two partners writers (not, Jennifer will continue writing us, it will only have two weeks vacation she had commented to me, but she returns ). As soon as the situation is established again, I will be happy to return to the old team, but in the meantime, I can not, it is virtually a suicide.

In her business, Anna, you think so? This is closely controls all spending in order to avoid confusion with personal expenses and to streamline business expenses when necessary?

Just change class without solving such problems can be financial suicide, you will double the concerns (if you keep both activities) and will probably double the costs. Make sure you first identify the current gaps, otherwise you can take them to your new business!

I advise someone who already has a deal with problems and is training to use working capital to loan to start a new business, because the lack of working capital may be due to poor management of available capital, problem that possibly occur in the new business.

My Friend, in your city for some sort of gathering of entrepreneurs or traders from garments? If so, you may want to participate and discuss the problems you've been having - someone can have a good solution for it, how to use is itself a type of financing for this kind of business with an interest rate much lower than the rotation, which would help to slowly abandon the use of debt!

And here are some more tips for getting rid themselves of loans and financing your business:

If you have any financial reserve (savings accounts, certificates of deposit, etc.). Use it before looking for any third party capital - will always be cheaper and far more advantages!

Before seeking a bank loan, seek help from relatives or friends who are closer and which may be of interest to help her. In these cases, commit yourself to return them at least 1% per month interest on capital - for you will benefit because the loan at a lower cost the bank 2.5% per month and for them as well as savings accounts yields a maximum of 0.63% per month This strategy works only if you comply with the agreement! I, for example, has borrowed money and later have not seen the agreement is fully complied with. You know what happens in these cases? Loss of confidence, leading to prevent any possibility of another loan (detail: you run the risk that person has spread to everyone you failed, further tarnishing his image and even damaging your business);

Will you do need a loan? Find the cheapest alternative loan! Many people use the rotation due to the ease (already there in your card), but this is the most expensive form of credit, having very high interest rates! A personal loan, for example, can be between 2 and 4%, depending on the bank or financial institution, resulting in a lower interest rate to be paid;

Do not try to have a reserve while debt - pay off debts first, his expression is of order!

Search strategies in your business that can attract capital, how to offer good discounts for those who buy in sight (even better if in cash and in quantity, and I love my wife "descontões" such ). This can help you build equity more quickly;

Analyze all your expenses (personal and business) in order to understand where the money is flowing. Once detected the problem, solve it!

Once paid off debt, start thinking about how to form a working capital (deposited in savings accounts, for example, to at least protect from inflation);

Plan and the use of working capital in order not to use it in actions that do not generate profits - his first goal now is to increase the box!

And study focused on finance and accounting needs of your small business. Sebrae courses can help much either. I hope to launch courses in 2012 these types here as well (free, as have several others).

Well, now, I'll bring some tips for 2012.

How to Make Money in 2012

Business on the Web will still be high, but there are some things to watch: get traffic through search engines may not be as easy as before. Some marketing strategies may not good effects, for example:

[EXCELLENT] Create a real business: I have spoken several times here, a real business is one that satisfies some need or desire for an audience that has the means and interest to pay for it. When planning your business, so instead of thinking "what is the easy way to make money," think "what problems people have that I can solve with my skills and resources"?

[GREAT] Content is king!: Yes, now more than ever! Search engines (read here, Google Search) are evaluating a bit better quality of content not only the page in question, but the entire website (which means that a page "bad" can damage any website ... Ouch !)

[GOOD] on-page SEO: The results achieved through a good optimization of each page taking into account the SEO seems to have more weight now. In one of my new projects I have worked only a good keyword research, development of a good review as to content and on-page SEO and this has brought a reasonable traffic (less than two months, we achieved more than 1,000 visits monthly, containing less than ten articles published in the same!)

[NOT SO GOOD] Article Marketing: Yes, article marketing has been easier ... Now there's a much bigger concern as to the origin of links to your website. Links from directories, small-value items will add not a lot to your website. Seek to get backlinks from websites with greater authority and reputation with search engines.

For those who want to work with or have an e-commerce website focused on products, know that this is likely to grow further in 2012, especially regarding the sale of electronic products! This may represent a good opportunity for many people.

Besides the electronics, also the branch of wellness (well-being, a free translation) should yield good results. Many people are searching the web to get answers to keep fit at home without having to move.

Well, I hope the message is given. And I want to see everyone making a lot of money in 2012!

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