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Charge It. Small Businesses Benefit From Credit Cards
by Roger On May 3, 2017

Having a separate credit card for your small business has many advantages. There is often a higher credit limit, many credit cards offer reward programs, and small business credit cards generally have lower interest rates than personal ones. With a credit card specifically for your small business, you can give employees a company credit card with preset spending limits. Separate accounts keep your business expenses completely detached from your personal expenses, which makes life easier during tax season. It also protects your personal assets, like your house and your car, if your business gets sued. Having a company credit card establishes proof that your business and your personal finances operate separately. Before you commit to a company credit card, understand what to look for and check out our recommendations.

Tiered or flat rate rewards systems

Tiered rewards systems offer cash back, points or miles at different rates that are determined by how the cardholder spends money. The more you spend, the more rewards you can receive. Flat rate rewards are becoming more common because they typically have better long-term benefits. With these programs, cardholders receive rewards at a standard rate. Additional cash back can be earned from making purchases in a certain category or paying your bill on time.

The Importance of APR

Another important part of a credit card is the annual percentage rate (APR). When cardholders don’t pay off their credit cards, they are charged interest that’s based on a percentage of the remaining balance. If you have a low APR, you will be charged less interest on the money in your credit card balance that you don’t pay off. In order to qualify for a low APR credit card, you have to maintain a high credit score. People with lower credit scores tend to have higher APRs. In addition to an APR, credit cards typically have other fees.

Capital One Spark Cash for Business

The Capital One Spark Cash for Business credit card offers customers flat-rate rewards. To qualify, you must have a good to excellent credit score. There are no foreign transaction fees and it offers a flexible rewards system. Since the rewards program doesn’t have an expiration date, you can redeem them for cash back at any time. The $59 annual fee is waived for the first year and there’s an opportunity to earn a one-time cash bonus of $500.

Ink Business Cash Credit Card

The Ink Business Cash Credit Card from Chase provides a $300 cash bonus when you spend $3,000 in the first three months. There’s no annual fee and 0% APR during the first 12 months. With this credit card, you can add employee cards with no additional cost. The tiered reward system is best for companies that regularly spend a lot on business expenses.

The Enhanced Business Platinum Card

American Express offers The Enhanced Business Platinum Card for small businesses that require a lot of travel. There is no spending limit and there are no foreign transactions fees. Cardholders benefit from premium travel perks on qualified airline purchases. With this credit card, travels have access to airport lounges worldwide. The $450 annual fee is intimidating but it can be written off as a business expense in your taxes. The Enhanced Business Platinum Card is a charge card, not a credit card. This means you have to pay the full balance each month.

Choosing a credit card for your small business can be intimidating but it’s an important tool to further develop your company. If you read the fine print and understand what you’re looking for, a company credit card will have many advantages for your small business.

Don’t filter “f-words” out of business conversations
by On December 14, 2016
There are a considerable number of factors that wear down your thoughts and emotions as an entrepreneur. In order to stay on top, however, it takes a quick mind and mental stamina. Entrepreneurs learn to articulate their goals and strategies, but some words can cause them to stumble. There are a lot of “f-words” in a business owner’s vocabulary, especially when the business is just getting started. You might feel overwhelmed by finances, fatigue and failure, but these mental obstacles can be overcome. You’ve already talked yourself into starting a business, now let’s discuss how to keep it moving forward.


In addition to startup costs, small businesses have operating expenses and unexpected challenges. As an entrepreneur, one of your main roles is to build revenue. Initially, this can be a slow and daunting task. Financial frustration can either motivate you to work harder or crush your business dreams. Many adults say that finances are one of the leading causes of stress in their lives. An ideal solution is to make more money, but confidence in your money management skills will also help ease financial stress.
Before diving into business ownership, research all the potential risks. It’s more fun to dream about success, but being prepared for the worst will have more practical benefits. Another way to ease your mind from financial worries is to build a safety net for your savings. This might happen over years of careful planning or through income from a side job. This layer of financial security will bring peace of mind and allow you to grow your business.


As an entrepreneur and a leader, you’re working from the ground up, and it’s exhausting. You’re the one who puts in extra hours and pours your heart into the business. All these long days and late nights can lead to an unhealthy lifestyle that affects your personal and professional life. When you’re devoting all your time to growing a business, other areas of your life often suffer, such as eating right and exercising regularly. These habits will have long-term negative health effects. Fatigue can build up and lead to burnout. It takes innovation and drive for an entrepreneur to get established. Tiredness is normal, but extreme fatigue can hurt your business.
Investing time in your personal health is difficult because it seems so simple. The best ways to avoid fatigue are exercise, eating well and getting a good night’s sleep. Unfortunately, when you’re busy, it’s easy to skip a workout, grab a fast food meal and stay awake all night. These shortcuts will only lead you to fatigue and overtiredness faster. Giving yourself a break is a strategic move that will benefit your personal health and strengthen your business.



In spite of your best tactics and business models, failure is a possibility. The best entrepreneurs understand that not only is failure part of the process, but it can also lead you to success. When you encounter setbacks and challenges in your business, they become defining moments that will either make or break you. It may be the only “f-word” that never enters your vocabulary, but being honest about failure will help you and your business over come it.
The reality is that failure, or even multiple failures, are common among startups. Perhaps more important than the failure itself is how you respond to it. If you have a plan for failure, you can provide steady leadership for your employees. Preparation means you won’t have to make difficult decisions in the heat of the moment, because you will have everything thought out and ready for action. With a plan, you will spend less time in confusion and more time in recovery. This means you can review your mistakes and start fresh, armed with knew experience. It’s also important to recognize when to ask for help and whom to ask. Accepting support and guidance can prevent your business from reaching the crisis level.
Failure, like fatigue and finances, are some of the taboo “f-words” commonly used among entrepreneurs. These words cause dreamers and leaders to hesitate when they’re articulating their business goals and pursuing success. Your business outcome depends on how you overcome these mental barriers. Talking through these challenges will ensure that your business continues to grow.
Top 4 Ways to Train Your Brain For Success
by Roger On July 26, 2016

If an article like this attracted your attention, I’m sure you’re no stranger to the idea that your mind creates your life- in fact, it’s likely that you’ve heard sayings like “you become what you think about,” “what the mind of man can conceive, it can achieve,” “what you think about, you bring about” and countless others- and you probably believe them. Guess what? Me too! My clients and I have built super profitable businesses, successful careers, sizable fortunes and wonderful lives by harnessing the power of their thinking. Truly, the single greatest gift we’ve been given as humans is the ability to choose our thoughts, direct our actions and thereby harness the creative capacity of what’s happening between our ears.

But do you really know how to train your brain to make it work for you? Do you have the ability to consistently keep your focus clear, your thoughts positive and your energy level high? Or are you one of the masses who are constantly distracted, overwhelmed and exhausted? The good news is that if you’ll get a little better at these 5 things, you’ll automatically cause your brain get you better results.


Your brain is a lot like a GPS. It does a miraculous job of getting you where you want to go, but only if you give it an exact destination. One thing we know about your subconscious is that it thinks in pictures. In fact, all it knows to do is to see a picture and make you move toward it…if that picture is clear. So be specific in telling your brain what you want. A goal of “make more money” carries only a fraction of the power that “earn $100,000 or better” does. Your brain can’t see the first one, so it can’t harness its full power. Be clear in your intentions, be specific in your aims, and your brain will more automatically pull you forward faster.


Most people show up to work on Monday and either wonders what they should be doing or immediately start putting out fires. Then they do that all day every day until they collapse on Friday. They don’t run their week, their week runs them. Sound familiar? I promise, that’s a recipe for burnout and resentment. No fun. Do your brain a favor- take an hour or two over the weekend to reconnect with your goals and then create a plan for the week. My clients call this the two Hour Solution- there’s a whole chapter in my book about how to do it optimally. If you do ANY version of this however, it’s shocking. You’ll sleep better, you’ll immediately become 2-3x more productive, and you’ll actually find that you have more energy at the end of the day than at the beginning.


How do you spend the first 30-60 minutes of your day? For most, it’s jump (or drag yourself) out of bed after hitting the snooze alarm at least twice, and from there it’s a period of more stress, anxiety, rushing, and dread. It’s problematic because this period – the first 30 to 60 minutes you’re awake- sets the tone for your entire day. Psychologically, neurologically, and energetically, what happens in the first half hour of your morning will stick with you whether you like it or not. So make that time sacred. Try getting up 30 minutes earlier than normal- have a little quiet, a little bit of light exercise and maybe even a little reading. I know, what a concept, right? Take a little bit of time early in the day to only build positive energy – the effect of this is immediate and really enjoyable.


If a farmer plants corn in a field…what grows in that field? Thats right, corn….and weeds. In fact, if left unchecked the weeds will grow so aggressively as to choke out the corn. So that field needs the farmer to systematically, continuously work to keep the weeds out. Your brain is the same way – it needs you to be systematically investing time, energy and money in keeping it clear. The size and nature of that investment depends on your own situation, but your brain needs you to be systematic about caring for it. The farmer needs fertilizer, water and maybe some herbicide. Your brain needs books, audios, other positive people and maybe a coach.

These four tips are a great start for training your brain for success – you’ll find that they work quickly, they work long term, and they overflow to those around you. Try them out, and let me know the results!