Nobody plans to fail they just fail to plan. That statement is no less true about the business world than any other aspect of life. One cause of new business failure is lack of funding and the inability to properly anticipate cash flow problems. However if you take the time to fully explore your possibilities and know where to turn for needed funding your chances of success are increased.

If you have created a well thought out and detailed business plan you should have a good idea of the amount of money you need and there are several places you can turn to secure funding. While it’s possible you may get every penny you need from one source it’s likely you may have to find multiple sources.

1. Personal Savings.
This is the most popular source of funds for startups, and for good reason. Many investors and loan agencies will be hesitant to put up their money if you haven’t shown that you are able or willing to invest a portion of your own savings into the idea.

2. Friends and Family.
This is the second most popular source of funding. People close to you know your character and integrity and therefore are often more likely to help fund your business than outsiders. However this can become a tricky situation so be sure to set clear expectations and boundaries for all parties involved.

3. Angel Investors and Venture Capitalists.
Many of these individuals or corporations will gladly invest money in a business that has a solid business plan and the potential to make money. Crowd funding websites would fall under the category of angel investors. These people generally will help fund your business with little or no expectation of return or reward. Venture capitalists are in the business of making a profit off of their investments however. Before approaching an angel investor or a venture capitalist be prepared to make your pitch.

4. Government and Bank Loans.
These can often be the hardest types of funding to secure, especially since the Great Recession. Yet if you have a proven credit history and a solid business plan you shouldn’t overlook this potential source of funding.

Congratulations, you made it through the startup phase and opened your doors! But don’t stop now. You now have to work hard to maintain the steady cash flow needed to pay your expenses. This is not always easy or possible on a daily basis.

Often business, and subsequent profits, will come in waves but your creditors aren’t willing to wait for you to pay them. Hopefully you anticipated this ahead of time and secured enough initial capital to get you through however, things can happen that even the most savvy business person was unable to plan for. In cases like this you may have to turn to a business cash advance.

Business cash advances are short term loans designed to help businesses pay their daily expenses. They are available from a number of sources and usually have specific criteria your business must meet in order to qualify. But for those that do qualify, this can mean the difference between getting through a rocky patch intact and having to close your doors for good.

Don’t fail to plan. If you adequately anticipate your financial needs and know where to turn for funding, your business will have a greater chance of success.

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What Data Drives Your Growth?

One of the most valuable assets that any startup has is the data the business generates as customers interact with your website. Data on what they click and which pages keep them hooked help you grow your site in tune with your audience. If you’re rethinking how you want to present data to your customers, or you just want to improve the conversion flow of your site, build tracking into your design and learn which stats will make the biggest impact on your work.

Create a Measurable Flow
Business executives are used to thinking about goals, and working towards accomplishing them. Apply that same strategy to your site and create a goal funnel. Funnels are a step by step flow that customers must follow before they accomplish a goal, like all the pages viewed before signing up to an email address.
Defining goals in Analytics helps you figure out whether the funnel works and where customers tend to bail throughout the process. One you have a flow defined, you can work on making incremental changes to improve it. One of the first things you can do is shorten the time it takes for a customer to complete an action. The more steps involved in doing something, the higher the probability of that customer bouncing from your site without finding anything of value.

Set Goals with Values
Defining dollar values for your goals helps you put the actions on your site into some monetary perspective. You can determine the amount of revenue generated per visit by looking at the revenue your site generates monthly and dividing that by the number of visits it receives. It’s a rough estimate, but it gives you an idea of the average amount each visit generates for you. Start with that baseline and increase or decrease the value of steps in your goal funnel as needed. If you see lots of traffic coming into a low value page, you can take steps to add goals to that increase the value of that page, or increase the time spent reading that page by giving customers something they want to see.

Test Landing Pages
The landing page you send someone to is the next most crucial step in refining the conversion power of your website. If you want to improve your landing page, you can focus on broad concepts like changing colors or adding images, but your best course of action is often falling back on data. Experts like Conor Goetz Cornell know by looking at the statistics for your site that when bounce rate is high, your landing page is weak. There are a few things you can do to improve the stickiness of your landing pages:

• Add headlines, using the H1 tag, that are keyword rich
• Use bullet points, bold and italic lettering to help identify key points
• Avoid flowery language, make every sentence punch

One of the most overlooked concepts, believe it or not, is giving customers something they can do. Giving them a button to click or a form to fill out that puts them on a mailing list is one of the most compelling aspects to your landing page. That call to action sums up the main ideas of your page behind one simple, impactful statement.

Brainstorm New Content
Google’s Analytics platform keeps a record of your all-time most visited pages, so you can use that data to help create new content that is guaranteed to see large volumes of traffic.

Publish Case Studies
Publishing a case study that looks at your site critically and shows how you improved based on data you analyze helps establish you as an expert. You might teach someone a valuable skill while presenting original data for research purposes. Google, and the community at large, will love you for it.

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Startups in the US vs. Europe

Thinking about starting a business overseas? The current economic news might have some thinking twice, but the European market is complicated. Some countries are doing quite well, like Germany, but others are slipping in the economic scale. In America, so much is dependent on an inactive congress.

In this period of political and economic limbo, either location would be a valid choice. So let’s break down the pros and cons….

Costs for things like taxes and fees may be higher in Europe. Some states in the US, like Utah, have a low cost for businesses to incorporate. Business taxes vary by state, but it’s likely that the US has fewer taxes than Europe. Space rental is also higher on average in Europe than it can be in the United States, which has a much wider area.

Part of the trouble is residency, and Europe has a clear map to it. With Residency Permits foreigners can become permanent residents if a venture becomes successful. Entering the American market is getting more manageable, but the path to citizenship is still up for debate.

The EU has certain requirements business professionals must also satisfy. For instance, the EU would like businesses to be able to operate within 3 working days, and have a single administrative body that can be held accountable when things go wrong. In America, according to the Small Business Administration, you’ll need a federal tax ID and an Employer Identification number, both of which are linked to your social security number.

Market Size
The US has the largest market, but European markets can service a smaller base and remain agile. As a result, OpenSource software tends to be popular in the European market because it can be customized to fit your needs. This is why software providers like Avanquest, based in France, see more success in the US market than in the European market.

Overall, US businesses tend to face more competition for slices of a larger pie. In Europe, the markets are segmented and much smaller. There are more established names and fewer startups as a result, but the environment is ripe for disruption. In the US, big ideas conquer all.

Work/Life Balance
US is generally faster paced, but different European countries hold different standards. The fabled two hour lunches of Italy and Spain are gone, but Germans are notorious for being prompt to meetings and for work.

In the US, flex time and the ability to work from home keeps employees less concerned with actually being in the office during a set time. There are meetings and certain anchors, but the environment is a bit more flexible. This is not to say there is no schedule, Americans are punctual, but they are also more forgiving of circumstances. The trouble is that Americans are also workaholics and there is a definite temptation, especially with startups, to get sucked into working life.

Jack Dorsey, the co-founder of Twitter, is famous for working two 8 hour shifts in a day between Twitter and his other company “Square.”

Aristotle Haikias, Vice Chairman of the Board of Trustees at the National Hellenic Museum, points out that a connection to culture is crucial to a civilized society. Haikias says, “humanities continue to be lost with the advent of the Internet and the fast-paced modern world. Understanding ancient cultures will have a profound effect on providing some of our deepest connections to the human race.” With that in mind, there is so much history in Europe, and a lot to see and do. Especially for foreigners looking to come in. American cities are much more modernized, but pockets of the country still have a deep sense of culture and history.

In America, the employees and the people tend to drift in and out of your business venture, and your life. In Europe employees are more likely to stay with a company and seek lifetime employment. That difference drives a culture of long-term growth vs. short term gain.

Ultimately the decision on where to start your business is usually based on where you live. It may be easier to start a business in the US, but you’ll need to work a lot harder. There is a definite emphasis on making profits faster in America, but Europe’s history and customs create a rich environment. If you are choosing between starting a company in the US or Europe, it’s certainly not a cut and dry decision.

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How to Capitalize on the Oil Industry

Crude oil is arguably the most important natural resource in existence today, and possibly even the most important in history. The oil industry as a whole generates hundreds of billions of dollars in revenue each year.

Due to increased production in the US and Canada, OPEC is predicting a slip in demand for their crude. However, the Texas-based company Tidal Petroleum Inc. stated in a recent press release, “Global demand will always grow while supply will become more costly to produce.” They further state that while demand is not likely to decline, the focus is on where the supply is coming from will shift, explaining that, “Oil production within the US is likely to increase ten-fold in the next 20 years, as many producers are exploring new opportunities in shale production.”

As a result there is a lot of money to be made in various different areas of this multi-billion dollar industry. You don’t even have to be involved in the actual drilling or refining of the crude, nor do you need personal knowledge of the oil industry itself. Here are three ways you can capitalize on the expanding oil industry without any prior knowledge, and without being involved in drilling or refining.

It’s estimated that 90% of US companies use staffing agencies and the oil industry is no different. In fact with the recent boom in US oil production many companies are finding themselves unable to fill a growing number of positions, especially since as much as 50% of the energy workforce is expected to retire by 2017. This is where you can help.

By starting either a temporary staffing or human resources outsource company that serves the oil industry, you connect those companies with the employees they desperately need, for a fee of course. Temporary staffing agencies typically fill positions on a temporary, permanent, or temp to hire situation, whatever the client requires. Conversely, an HR outsourcing company will handle all HR related matters, including hiring, training, payroll, etc. on an ongoing basis.

Consulting companies throughout the world are offering their expertise to other companies in order to help them succeed. In the oil services industry, consultants like Halliburton are employed in various stages from exploration to development planning, well construction, and ongoing operations. They bring innovation, fresh ideas, and expertise to help solve problems, increase profits and decrease expenses for their clients.

Transportation and Storage
Once the oil is extracted it has to go somewhere. Oil and petroleum products are transported in practically every fashion known to man. From pipelines to ocean faring vessels, by rail and over the road by truck. This presents a wide range of flexible possibilities depending on your financial resources. Need to start small? No problem. You can scale your business according to your capabilities, starting with a single truck and gradually expanding your services as well as your reach.

At various stages of transportation from the well to the refinery to the end consumer, oil and petroleum products need to be stored until they can continue on to their destination. This is typically done at independently owned and operated storage facilities. As an independent storage facility operator you would provide onsite storage and security for your clients as well as helping to arrange and facilitate transportation at times. You can even take this area one step further and combine storage and transportation together at a single rate, further simplifying things for your clients.

As long as oil exists in the world there will be an ever growing need for it, providing increased opportunities to capitalize on this multi-billion dollar a year industry. However, as with any other industry remember to do your homework before opening your business.

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The Costs of Opening a Restaurant

According to figures cited on the Small Business Administration website, when planning to start your own business you should anticipate a cost of about $30,000. This is a blanket figure that doesn’t cover some of the unique circumstances a restaurant may encounter.

Opening Expenses
Opening expenses are easy to forget when you are mentally conceptualizing your restaurant for the first time.

Ground yourself in reality with a few fast figures:

· Permits: Serving alcohol and food require a permit in most cities, that you must pay fees for and display in public view. If you plan to make renovations to your location, you must make sure that you get proper permits for construction as well.

· Insurance: Insurance for a restaurant covers accidents for employees and customers, as well as building concerns.

· Accounting: Someone to track the financial aspect of your restaurant, detailing stock ordered and recording the daily sales figures.

· Point of sale software: Software that allows you to accept credit cards and process transactions. You often need a merchant account with the point of sale, which usually requires about 1.5-percent to 3-percent commission on every transaction you make.
These costs just help the restaurant open its doors safely on day one.

Renting for a commercial property works similarly to renting for an individual. You will need to come up with a security deposit plus the first month’s rent.

You also need to factor in utility costs, which may be higher than an average business because you have concerns about food storage (which often requires a large freezer and lots of power) in addition to fuel for your stove and water to wash dishes with.

Decorating Costs
The costs of actually prepping your restaurant will vary based on what you want to do with the location. You can often find silverware, plates, cups and other basic supplies at a restaurant discount warehouse. Shopping at these outlets saves money on basic supplies to help get you through the first month.

A trip to your local crafts or hardware store will yield lots of things you can build yourself too. Candle holders you can paint over with glass paint, wooden shelves that hold vintage cookbooks, mirrors in wrought-iron frames and other trinkets will add character to your location. Think that’s not important?

Yelp does, they even have a category for “ambiance.” Remember that dining is a sensual experience, so the tastes, sights, smells and sounds of the space should all be carefully coordinated. You may also want to invest in a streaming service like Spotify, which will let you design a soundtrack to fit the mood of your restaurant without investing in a large music collection.

Food and Payroll
It should come as no surprise that food and payroll should be around 40-percent to 70-percent of your monthly budget. Keep your initial food orders as low as possible until your restaurant is in the black, and carefully chart your most in-demand menu items. Work in the restaurant with your spouse to help keep staff requirements at a minimum until you can afford more staff. Use the extra money on marketing, or on improving the quality of your ingredients.

Signage for your restaurant to advertise daily specials is a fun way to let passersby know what you offer. They are also expensive each time your order them so a lot of small restaurants use street-side chalkboards to entice customers.

Menus should showcase food, using copy that makes the patron’s mouth water. Avoid simply listing ingredients, instead taking time to talk about savory dishes in detail. Our Boef Bourguignon is served in a red wine stew full of hearty carrots, chunks of potato, fresh mushrooms and roasted garlic. Try it with the house Pinot Noir to accentuate the different levels of flavor.

Word-of-mouth is your strongest asset, so pay attention to your Yelp reviews and learn who your regulars are.

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Manage Your Business by Managing Your Time

As a small business operator, you are first and foremost a manager. You manage a budget. You manage processes. You manage people. But your most important management task is one that often slips under the radar. You need to know how to manage your time.

Time wasted is money lost. And unfortunately time can be a very easy thing to waste. Research has shown that workers generally use only about 60% of their time productively. When you apply this same figure to running your business, you can almost see those dollar bills flying out the window. And as a manager, you probably find yourself performing many different jobs during the day and wishing you had about twice as much time as you actually do. But don’t worry. You can do something about it. In fact, here are a few tips that can help you turn wasted time into productive time:

Eliminate distractions.

You have a lot of enemies in your battle to save time. Some of them are known by other names: telephones, email, Facebook, Twitter, the Internet, to name a few. Nothing is more tempting, or more of a time-killer, than net surfing, reading your email, or checking Ebay for the latest deals. If you add up all of the minutes that you spend doing these things, you would see why. The key is to set some boundaries. Make your email conform to your time schedule, not the other way around. Set aside set time periods during the day to read and answer your emails and to listen to and answer your phone messages. Allot yourself a specific amount of time during the day to engage in social media interactions. If you use some of these social sites to market or promote your products or services, get a social media management software tool (many good ones are free!) or better still, hire a college student to manage your social media sites for you.

Set specific time-management goals.

Make specific goals and write them down. Set realistic milestones for each of them. In this way, you can monitor your progress and see how you are doing. Know yourself well enough to realize what part of the day you are most productive. For example, are you a morning person? If so, schedule your most important goals for before lunch.

Get organized!

Lack of organization leads to wasted time. Think about it. When your desk is cluttered it takes longer to find something. When your computer files are unorganized, you probably find yourself doing numerous searches. First, eliminate the clutter from your surroundings. If something is not necessary, get rid of it. Then create a system for what is left. Use folders or files and code them by color or some other way. Organize your computer files into category folders. You will soon begin to notice that many of the things that used to take up a lot of your time are now simple and easy to do.

Focus on one task at a time.

Multi-tasking is something many small business owners feel they need to do. But having multiple responsibilities doesn’t mean you should be doing everything simultaneously! It’s a proven fact that focusing on one thing at a time increases your overall productivity. So set aside a chunk of time to focus intently on one thing. And don’t switch gears until that time period is over.

Eliminate the word “wait” from your vocabulary.

Think about how much time we spend waiting for things—doctors, dentists, people who haven’t yet arrived for a meeting. Some of these waits can be unavoidable, but if you are idle during these waiting periods, you are wasting valuable time. Instead, always take something with you. Is there a report you need to read? Is there a schedule that needs to be planned? Never be without the tools you need to get stuff done when you need to wait. Bring that pad of paper, that notebook, that PDA, and/or that smart phone so that you can use that previously-wasted time productively.

Let your workers work for you.

Don’t try to be a one-man show. You need to delegate and/or outsource certain tasks so that you are not wasting your time doing what others could be doing just as well (or better!). Save your valuable time for the important things and the things that you do best. Remember that micro-management is inefficient management.

Time is easy to waste. And very often a lot of it is wasted without our even realizing it. Unless you know how to manage it and control it, it will fly right by before you know it. Fortunately, there are ways making your time work for you. When you learn how to manage your time, you will see how much easier it becomes to manage your business.

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The Most Important Quality for Entrepreneurial Success

Honesty, determination, persistence, optimism – there are an endless variety of characteristics that determine the success of entrepreneurs. However, one quality stands out among others; a quality that is common among most entrepreneurs. In short, emotional intelligence is the special quality that can push entrepreneurs towards success.

What is Emotional Intelligence?

In order to understand the importance of this characteristic, it is vital to first delve into the definition of emotional intelligence. Emotional Intelligence (EQ) is a concept familiarized by Daniel Goleman, an internationally known psychologist, which is defined as one’s ability to understand and manage his or her emotions as they happen in themselves and others, while using this awareness to manage relationships effectively.

Emotional intelligence is a collection of four major skills: self-awareness, self-management, social awareness, and relationship management. Each of the skills fall under two primary competencies; personal and social competence. Personal competence is made up of self-awareness and self-management skills, which focus on the internal aspects of a person, especially their own emotions and behavioral tendencies. On the other hand, social competence is made up of social awareness and relationship management skills, which focuses on the individual’s behavior in relation to those around them.

Why is it Vital for Entrepreneurs?

Emotional intelligence empowers entrepreneurs the ability to relate to others, detect emotions and react accordingly. In addition, it also gives entrepreneurs the following abilities:

Decision Making:
A major component of emotional intelligence is comprised of awareness and prioritizing; the ability to ability to stay aware of emotions in order to make unbiased decisions. During the course of starting and managing a business, individuals will constantly be bombarded with choices and decisions, many of which require a speedy response. A high degree of emotional intelligence will allow entrepreneurs to keep emotions at bay during critical moments.

When emotions and tensions run high, it may be difficult to handle arguments among team members or others. However, entrepreneurs with relatively high emotional intelligence, through the ability to perceive emotions, can mediate disputes and settle conflicts quickly. They not only are able to clearly express themselves, they also take into account the emotions of different parties and adjust accordingly.

Relationship management is another component of emotional intelligence, and determines the entrepreneur’s ability to use awareness of your own and other’s emotions to manage interactions successfully. With this skill, individuals are better able to network and connect with others, building relationships that can provide various advantages in the future. Whether for obtaining a mentor or finding partners for a future business, networking is a vital skill for any entrepreneur.

Customer Satisfaction:
Entrepreneurs with emotional intelligence are able to manage relationships and pick up the emotions of others. Therefore, these qualities make them well equipped to handle issues of customer satisfaction. These individuals are able to emphasize customers and engage them with the solutions they need. For any business that relies on customers for its success, it is vital that individuals understand the importance of customer satisfaction.

For individuals without a high degree of emotional intelligence, never fear – unlike IQ, emotional intelligence can be trained. With enough emotional intelligence training, entrepreneurs can hone their skills, further improving the chances of success for their business.

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How to Design Your First Office

Designing your first office is an incredibly exciting is that. Being an entrepreneur has an unlimited number of benefits and flexibility that comes with being your own boss. Having the full ability to design your first office is definitely one of the best perks of being an entrepreneur.

Showcasing the Face of the Business
An entrepreneur needs to remember that an office is considered the first phase of the business that a client gets to meet. The overall ambiance of an office can greatly influence the future of business as well as a client’s perception of business. This is why it is important to remember that an office is a place of business and not necessarily an extension of your home.

An office design should not be treated as a personal space and should not include an abundance of personal items. An office needs to have the access to stylish wastebaskets and clutter free furniture. This overall minimal look can ensure that a client will feel as if they are in a professional setting and in the hands of an experienced business.

Relaxation in the Workplace
Even though a great amount of work may take place in an office setting is important to create a sense of comfort and relaxation in an office and among fellow employees. Choosing comfortable conference chairs for your office ensures that employees will be comfortable during work hours and will continue to produce the best level of quality work. Personal touches can be added in an office if they are restricted to small items that do not distract from the overall design of an office.

Completing a Design
With equipment and supplies ready to be set in place it is important to remember unique touches that can add to the overall feel of the offices design. Items such as attractive plan and simple window treatments can be extremely budget friendly while maintaining an overall eco-friendly theme in an office. The use of live plants can add to the overall atmosphere in the office as well as increase the energy level in the space.

An office needs to be designed in order to meet certain form and function criteria. There are definitely no rules when it calms to designing an office. It is definitely important to plan and analyze the nature of the business as well as your personal needs prior to jumping into any office design projects.

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4 Ways to Reach Your Target Market

Even with a great product there is risk that you’ll never find the people you made it for. Every entrepreneur struggles when attempting to connect a good idea to the public, but there are a few tricks that can help fix this problem. We sat down with a group of successful startup founders and asked them “How do you reach your target market?” Here’s what they had to say.

  • Connect with businesses in your market: After failing to reach customers directly, pivoted to partner with other institutions in the same niche.“I target marketplaces and try to partner with them for their dispute resolution. I only just started selling this way, but the results so far are encouraging.”

    By going to markets rather than attempting to attract one customer at a time, this startup was able to grow their user base much faster and see better traction. – Peter-Jan Celis (

  • User Test, then user test again: It’s true, your marketing woes will be greatly diminished if you do a huge amount of user testing before launching. This is one of the easiest but most overlooked aspects of building a product. Let real people tell you how to build it and other real people will like the result.“It’s all about products. Our users love us. We give them tools to share the app and they do the rest. We are constantly in tune with our customers to make sure we are giving them what they want and the rest takes care of itself.” – Brett Martin (Sonar)
  • Sponsor Events in your Field: Be active amongst the people who might use your product. A great way to do this is to be a supporter of big meetings; it’s simple enough to set up and doesn’t take a lot of work. A word of caution though, it’s not enough to simply write a check and hope for the best, you’ve got to be present at the events you’re sponsoring and show that your business really wants to connect.“Any time we can be at or sponsor an event, it’s a big win for us, because that’s when people need cards – when they are at there meeting.” – Ketan Anjara (CardFlick)
  • Use Crowdfunding: Platforms like Kickstarter and Indie go-go are great ways to not only test the market, but also bring in some positive cash flow. It’s a simple process to list your idea, and if it resonates with customers you’ll get the “kickstart” you need.“Kicksarter is a way to get pre-orders for your game and find out how many people will like it. It’s also a great way to get traction and for people to hear about your business. – Richard James (Evertide Games)

There’s an unspoken rule that many entrepreneurs buy into called the 80/20 rule – 80% marketing for every 20% time spent building product. Even if you make something awesome it will still need customers to become profitable. Have you had success using strategies to reach your target market? Please add to this list in the comments below!

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Freelance Careers Worth the Effort

Working as a freelancer can be challenging. You have to work hard to get clients, and when you do get them, then the hard work really begins. Basically, you’re doing the marketing and the labor. You’re doing everything!

Nonetheless, there are some freelance careers that are quite lucrative for students entering the job market. Along with being lucrative, many people find that they can grow their business by doing freelance work while they work a steady job at the same time. Here are a few freelance jobs you may want to look at:

Green Design Consultant
For students with an interest in the environment and design, the green movement has set up some interesting opportunities for freelancers. Whether you major in architecture, design or even engineering, business and home owners are looking for green design consultants that can help their business thrive in the green market. If you have an interest in working outside, interesting freelance careers focusing on green landscaping, waterscaping and even agriculture are becoming more and more available each year.

Specialty Freelance Writing
Freelance writing is a fairly common career, but with many magazines and newspapers suffering from low sales, it’s getting harder to acquire staff positions. Instead of just writing copy or advertising materials for whoever comes along, consider specializing and becoming an expert in a certain field. Most of the sites on the internet that pay writers are looking for experts that can provide authoritative information on a particular subject.

Pre-med, pre-law, philosophy, government, and architecture students at a CBT college in Miami or a New York State college, for example, will have a specialized skill set, so they can write efficiently on their subject matter. You might have to hustle for work, but when you get it and do a good job, clients will return to you, often increasing your paycheck over time.

Social Media Expert
Social media has become a huge part of the way businesses attract clients and spread their message to consumers. Many companies don’t know how to make the most of social networking sites like Facebook, so they need to bring an outside consultant in to market their company effectively. Social media experts often work with in-house advertising teams to help companies grow, so a degree in advertising will be beneficial here.

When you’re thinking about getting into any freelance business you need to consider how saturated the market already is. Work in a field that still has room to grow and do something creative in your efforts. This will make it easier for you to get new work and continue to expand your business.

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