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Pennies From Heaven
You never know who'll buy your first product.

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Secondary Market Programs
There is an active secondary market in the loans guaranteed by the Small Business Administration. This market was created to increase the attractiveness of small business lending to the lending community. Through the market, lenders are able to sell the guaranteed portion of SBA guaranteed loans to investors and thereby improve their liquidity and increase their yield on the un-guaranteed portion of SBA loans.

I'd be a lousy pilot
Sitting behind the pilot on a tiny plane today, I was reminded how important, difficult and tedious this job is.
The New Age of Niche Marketing
As internet marketing became flooded with products, niche marketing was born. This was called the separation age. People started staying away from huge information products that were created with hundreds of pages and instead started separating themselves from the crowd and focused on tiny niche topics. Now, while there is still money to be made by focusing on tiny untapped markets competition is pouring in and the well is drying up.

I’m Right, You’re Wrong: Behavioral Science Explains Away This Universal Belief
Each person is limited by their perception to access only a portion of reality, and they build their beliefs, values, and conclusions about the world based on the portion of reality they perceive. From this perspective people who perceive the world differently from you are not wrong, they are just seeing a different slice of reality than you are.
Whom are you targeting? Participation inequality
The data shows that only a tiny percentage of people create over 90% of all content.
The Good Life
You awaken from a deep sleep, it’s about 6am, and you have a smile on your face. You slept great… better than you have in a long time… and after a few minutes of laying there listening to the birds chirping and watching tiny specks of dust float through the tiny light beams peeking through the shutters, it hits you… The adrenaline.

Covenants can save your investment when selling your business.
When you sell your business it is very typical for you as the business owner to have to carry a portion. Also called seller financing. If this is something that you will have to do. Make sure you protect this portion of the payout. Covenants are often an overlooked component of an effective seller financing note.

How to sell your business in a down economy!
While it is true that there are less “for sale” business deals that happen during economic recession, it is not because the potential buyers aren’t looking in the market. All over the country, there is much interest but a shortage of financing options which keeps a lot of deals from getting off the ground. And as a result, sellers today are willing to finance at least a portion of the business sale to get their business sold easily. As well with new SBA bank financing rules are requiring sellers to finance at least a portion of the sell. The problem with this is as the business owner you are in 2nd position behind the bank.
Discipline Can Be Habit Forming
Good and bad habits are tiny daily choices that accumulate. Each choice is a small wire that is woven together with hundreds of other little choices. Eventually these wires form a strong cable. Like a child that grows a tiny amount each day, our tiny choices accumulate without much notice. By the time we realize we have either a good or a bad habit, the habit has us.
Washing machine rental - Is your idea this good?
In September of last year I made a small loan to a lady in Columbia. Although I don’t know Yaneris Canate Rios personally, she made an application for $1,125 through Kiva.org. In Yaneris’ tiny community of El Milagro the ladies still all washed their clothes by hand. She wanted to purchase 5 washing machines to rent to her neighbors. I provided the last $50 to complete her loan. Each month I would see tiny payments come on – averaging about $3.84 as a repayment on that loan.

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