Free daily tips, information, advice and ideas
to help you better manage your small business.
Expanding your small business might be easier than you think. The key is to look inside your operation and how a change extends you into the market you want to serve.
To take a big expansion step takes detailed planning and big time funding. Expanding by taking smaller, incremental steps is easier.
Example: Don runs a computer services company. He uses his computer expertise to help other small businesses access and better utilize the social media tools that are readily available but little understood by his clients. To reach out and drive more clients to his services, Don decided that he would offer a series of educational workshops, free and open to the public. He set up sessions, offered them through local chambers of commerce and other business organizations. He also posted them on social media, including Facebook and LinkedIn. The sessions were well-attended, and he encouraged people in small businesses to bring their problems and questions. This simple initiative has resulted in many new clients who signed up for Don's services.
Example: Dawn is a certified therapist specializing in helping clients get through their stress, grief and related issues. She noticed that many of her clients had gone through rehab programs to address their drug and alcohol problems. Large numbers of them were still coping with their old habits. Dawn extended her practice, helping rehab "graduates" cope with their on-going problems. They were people in a well-defined market and they needed specific help. She began developing several programs aimed at post-rehab clients. She is building on work she already does, but this initiative is expanding her business in an entirely new direction.
Example: Fred runs an interior decorating operation. He helps residential and commercial clients define work areas, tackle window problems and dressings, reorganize seating, and decorate entire areas. When a realtor friend asked Fred to organize and stage a residence to better attract buyers, Fred spotted an easy expansion. He now offers staging services to several realtors in his area--staging homes for resale. It was an easy expansion of services he already offered. To expand this new area of his business, Fred now offers basic "how-to" staging expertise online. Realtors afar now direct their agents to enroll in Fred's online webinars.
Sometimes, it only takes a change in attitude to attract new clients in a completely new way. Other times, a new market can develop in an area your already serve.
Your business addresses a moving target. Markets change, technology changes everything, people change. Heck, even the weather changes.
Be alert to who you serve and how. Opportunities are everywhere. Discard the negative ones, but embrace those that make sense.
Some opportunities can look good at first glance, but they might lead you in a direction you don't want to go. Before embracing changes, make sure you are heading in the direction you want.
Monday, August 24, 2015
Friday, August 21, 2015
Get outside the box
Free daily tips, information, advice and ideas
to help you better manage your small business.
Opportunities are where you find them. If you're looking in the wrong place, don't expect much.
Big waves are what surfers are looking for. You watch, you wait, and when you spot the big one, you grab your opportunity.
Example: Dwayne operates a health foods store. He stays on top of current trends, the leading edges of interest in healthy foods. He offers organics, non-GMOs, gluten-free foods, and more. He draws customers from a wide area--they travel to his well-stocked store to satisfy their curiosity and interest. Dwayne wanted to grow, and he caught the wave of shipping opportunities available today. Combining this with social media, he now offers many items on his website. He began with dried berries--readily available from suppliers, light weight packaging, long shelf life, and easy to ship. Today, Dwayne ships dried blueberries, cherries, currants, and other dried fruits to customers far and near. And he is looking for his next wave of growth.
Example: Nick is a dentist. He grew his dental practice by rounding out his offerings with cleanings, dentures, fillings and crowns. His became a well-rounded dental practice. Then Nick spotted a bigger opportunity. He made arrangements with upscale dental clinics, putting together a network of these specialists who could handle dental implants. Then he used a two-pronged approach to attract clients--he uses social media and he places spot ads on localized cable television. When people contact his new dental implant division, he refers them to the specialist closest to them. It is a free service to the new client--Nick is paid by the dental implant specialist who handles the actual work.
Example: Ted is a computer whiz. He started a business offering to design and set up websites. He quickly expanded, helping business owners use social media, install their networks, and trouble-shoot problems. He suddenly realized that he was doing a lot of free training for his clients. So Ted structured several training programs designed for beginners and light-weights. Today, Ted's training program arm has grown bigger than the rest of his operation. He has also published simple, how-to training manuals available on Amazon's Kindle readers.
Get outside the box of everyday business to find opportunities. Not every opportunity will be appropriate, but when you spot a wave, go for it.
Owners of small businesses tend to settle into daily routines. You get up, face the day's problems, and collapse into bed. Take an hour now and then to relax, let your mind wander, and you might spot one of those waves that can get you outside the box.
to help you better manage your small business.
Opportunities are where you find them. If you're looking in the wrong place, don't expect much.
Big waves are what surfers are looking for. You watch, you wait, and when you spot the big one, you grab your opportunity.
Example: Dwayne operates a health foods store. He stays on top of current trends, the leading edges of interest in healthy foods. He offers organics, non-GMOs, gluten-free foods, and more. He draws customers from a wide area--they travel to his well-stocked store to satisfy their curiosity and interest. Dwayne wanted to grow, and he caught the wave of shipping opportunities available today. Combining this with social media, he now offers many items on his website. He began with dried berries--readily available from suppliers, light weight packaging, long shelf life, and easy to ship. Today, Dwayne ships dried blueberries, cherries, currants, and other dried fruits to customers far and near. And he is looking for his next wave of growth.
Example: Nick is a dentist. He grew his dental practice by rounding out his offerings with cleanings, dentures, fillings and crowns. His became a well-rounded dental practice. Then Nick spotted a bigger opportunity. He made arrangements with upscale dental clinics, putting together a network of these specialists who could handle dental implants. Then he used a two-pronged approach to attract clients--he uses social media and he places spot ads on localized cable television. When people contact his new dental implant division, he refers them to the specialist closest to them. It is a free service to the new client--Nick is paid by the dental implant specialist who handles the actual work.
Example: Ted is a computer whiz. He started a business offering to design and set up websites. He quickly expanded, helping business owners use social media, install their networks, and trouble-shoot problems. He suddenly realized that he was doing a lot of free training for his clients. So Ted structured several training programs designed for beginners and light-weights. Today, Ted's training program arm has grown bigger than the rest of his operation. He has also published simple, how-to training manuals available on Amazon's Kindle readers.
Get outside the box of everyday business to find opportunities. Not every opportunity will be appropriate, but when you spot a wave, go for it.
Owners of small businesses tend to settle into daily routines. You get up, face the day's problems, and collapse into bed. Take an hour now and then to relax, let your mind wander, and you might spot one of those waves that can get you outside the box.
Thursday, August 20, 2015
Use social media
Free daily tips, information, advice and ideas
to help you better manage your small business.
You are passing up many opportunities if you are not using social media. The type of small business doesn't matter. Social media can help you grow and expand.
You can reach out to new clients and customers in your area or across the nation. Facebook, for example, can help you promote who you are and what you do. If you have never used social media for your business, Facebook is perhaps the best place to begin. And it can be free.
Example: You are a holistic practitioner specializing in Reiki. You write a short blurb on relief from stress and muscle pain and post with a picture that shows hands hovering over an ailing body part. Post it on Facebook to attract attention. Do this two or three times each week--remember that postings have a very short life span. Try also Google+ and LinkedIn.
Example: You own a restaurant. Get an app so that customers can check out your specials for the day, make a reservation and place their order on their phone on their way to your place. When they arrive, you have their meal ready for them. Post pictures of mouth-watering entrees daily on your Facebook page.
Example: You run a pet shop that offers free deliveries locally or you will ship to customers located farther afield. Every day you post a picture showing kittens and puppies, dogs and cats on your Facebook page, along with specials you might be offering. You don't sell pets or even offer them for adoption, but pictures of pets always attract attention. This will cause viewers to pause at your page. That's when they see your specials and might become customers.
Example: You are a graphic artist turned photographer. Get your portfolio together and publish it on Amazon as an ebook. Make connections on Facebook, LinkedIn and others--teasing with a picture. If you are looking for a position, grab your Kindle and show your interviewer what you've accomplished using Amazon's technology.
Example: You are a landscaper and gardener. Take pictures of gardens you've designed, stone terraces you've built, fish ponds you've installed, hedges you've clipped, even lawns you've maintained. Post on Facebook--a new pictures 2 or 3 times each week. Think ahead of the seasons, and generate interest by potential clients and customers.
Using social media is quick, inexpensive (or free), and attract attention to what you do. Expand your circle of clients and customers to expand your business.
Never used social media? Go to the websites for Facebook, LinkedIn, Google+ and others. They want you to participate, and they make it very easy to get involved. You owe it to yourself and your business to do so.
to help you better manage your small business.
You are passing up many opportunities if you are not using social media. The type of small business doesn't matter. Social media can help you grow and expand.
You can reach out to new clients and customers in your area or across the nation. Facebook, for example, can help you promote who you are and what you do. If you have never used social media for your business, Facebook is perhaps the best place to begin. And it can be free.
Example: You are a holistic practitioner specializing in Reiki. You write a short blurb on relief from stress and muscle pain and post with a picture that shows hands hovering over an ailing body part. Post it on Facebook to attract attention. Do this two or three times each week--remember that postings have a very short life span. Try also Google+ and LinkedIn.
Example: You own a restaurant. Get an app so that customers can check out your specials for the day, make a reservation and place their order on their phone on their way to your place. When they arrive, you have their meal ready for them. Post pictures of mouth-watering entrees daily on your Facebook page.
Example: You run a pet shop that offers free deliveries locally or you will ship to customers located farther afield. Every day you post a picture showing kittens and puppies, dogs and cats on your Facebook page, along with specials you might be offering. You don't sell pets or even offer them for adoption, but pictures of pets always attract attention. This will cause viewers to pause at your page. That's when they see your specials and might become customers.
Example: You are a graphic artist turned photographer. Get your portfolio together and publish it on Amazon as an ebook. Make connections on Facebook, LinkedIn and others--teasing with a picture. If you are looking for a position, grab your Kindle and show your interviewer what you've accomplished using Amazon's technology.
Example: You are a landscaper and gardener. Take pictures of gardens you've designed, stone terraces you've built, fish ponds you've installed, hedges you've clipped, even lawns you've maintained. Post on Facebook--a new pictures 2 or 3 times each week. Think ahead of the seasons, and generate interest by potential clients and customers.
Using social media is quick, inexpensive (or free), and attract attention to what you do. Expand your circle of clients and customers to expand your business.
Never used social media? Go to the websites for Facebook, LinkedIn, Google+ and others. They want you to participate, and they make it very easy to get involved. You owe it to yourself and your business to do so.
Wednesday, August 19, 2015
Facebook examples
Free daily tips, information, advice and ideas
to help you better manage your small business.
Small businesses struggle to promote the business. They have a hard time getting the word out into the communities they serve.
You can grow by using Facebook. And it can be completely free. You snap a picture, post it on your Facebook page, and you are done with advertising for the day.
The purpose of the picture is to attract attention--a close-up of a plate of scrambled eggs and bacon, a colorful new handbag, hands working through a massage, a dew-laden rose, your cat curled up in a basket.
Example: Sue is certified in Pilates. She used social media to reach out into her community--and beyond. She posted pictures on Facebook showing Pilates equipment, with the words, "Pilates explained" followed by her website address. This attracted new clients as well as referrals. To expand, she offered long-distance training over the net to people who then could go for certification. This brought in clients on a new basis for her business, and they could be far or near.
Example: Lisa is an architect. She struggled for a few years before discovering the value of social media. Then she reached out to a larger client base by emphasizing green design, sustainable and energy-conscious, environmentally friendly architectural designs. Her pictures on Facebook were intriguing close-ups of solar panels, a building set in a field of wildflowers, roof run-off caught in rain barrels, a dog asleep on a deck. The pictures brought in comments, generated interest, and resulted in some new clients.
Example: Tina went through extensive training and certification in acupuncture. She began seeing clients, joined networking groups, and offered to give free seminars to medical practitioners--showing how acupuncture could help with pain management, post-surgical recoveries, and other concerns. Growth of her practice was slow, however. So Tina used Facebook to target people who were stressed by work, family, and today's fast paced living. She set up a community acupuncture room where people could stop in without an appointment, lie down and get a quick introduction to the value of acupuncture. Twenty minutes here calmed people down, and they went their way refreshed. In addition, it helped spread the word and referrals came in for major treatments.
Social media, particularly Facebook, can be used in many ways. It is a god-send for small businesses to promote and grow.
Pictures here need not be professionally done. You snap pictures and upload to your Facebook site. You are not creating a masterpiece for the ages. You are angling for a two-second viewing to make an impression.
I am not a spokesman for Facebook--just showing the value of social media in promoting and growing your small business.
to help you better manage your small business.
Small businesses struggle to promote the business. They have a hard time getting the word out into the communities they serve.
You can grow by using Facebook. And it can be completely free. You snap a picture, post it on your Facebook page, and you are done with advertising for the day.
The purpose of the picture is to attract attention--a close-up of a plate of scrambled eggs and bacon, a colorful new handbag, hands working through a massage, a dew-laden rose, your cat curled up in a basket.
Example: Sue is certified in Pilates. She used social media to reach out into her community--and beyond. She posted pictures on Facebook showing Pilates equipment, with the words, "Pilates explained" followed by her website address. This attracted new clients as well as referrals. To expand, she offered long-distance training over the net to people who then could go for certification. This brought in clients on a new basis for her business, and they could be far or near.
Example: Lisa is an architect. She struggled for a few years before discovering the value of social media. Then she reached out to a larger client base by emphasizing green design, sustainable and energy-conscious, environmentally friendly architectural designs. Her pictures on Facebook were intriguing close-ups of solar panels, a building set in a field of wildflowers, roof run-off caught in rain barrels, a dog asleep on a deck. The pictures brought in comments, generated interest, and resulted in some new clients.
Example: Tina went through extensive training and certification in acupuncture. She began seeing clients, joined networking groups, and offered to give free seminars to medical practitioners--showing how acupuncture could help with pain management, post-surgical recoveries, and other concerns. Growth of her practice was slow, however. So Tina used Facebook to target people who were stressed by work, family, and today's fast paced living. She set up a community acupuncture room where people could stop in without an appointment, lie down and get a quick introduction to the value of acupuncture. Twenty minutes here calmed people down, and they went their way refreshed. In addition, it helped spread the word and referrals came in for major treatments.
Social media, particularly Facebook, can be used in many ways. It is a god-send for small businesses to promote and grow.
Pictures here need not be professionally done. You snap pictures and upload to your Facebook site. You are not creating a masterpiece for the ages. You are angling for a two-second viewing to make an impression.
I am not a spokesman for Facebook--just showing the value of social media in promoting and growing your small business.
Tuesday, August 18, 2015
Social media works
Free daily tips, information, advice and ideas
to help you better manage your small business.
Social media is a great tool for small business. Facebook and others can reach out into the community and put a friendly face on your business.
Pictures on Facebook attract attention, remind people who your are, and get passed around to others. It's a marketing tool not available just 20 years ago.
Example: Takisha has sites on eBay and Etsy. On both of these, she puts items up for auction or sale. The items come from her consignment store, an active bricks and mortar operation. To attract more attention, she has a Facebook page where she posts a picture every day of an item. Usually, Takisha's cat or dog can be seen, prominently included in the picture. All of this is meant to drive traffic to her store or to her sites on eBay and Etsy. She includes the cat or dog to help attract attention and get the picture passed around or mentioned to other viewers.
Example: Bud is a landscaper who is stepping his business up to a new level. On social media he shows yards he has done, gardens he takes care of , new designs he is planning. All of this entices new clients with pictures of stone terraces, fish and lily ponds, gates and trellises, and other landscape/garden features. He regularly posts pictures on Facebook and other social media. These have brought in new clients looking for more than lawn-cutting. Bud's business is growing and attracting new up-scale clients.
Example: Elaine is a business coach. She has attracted several small and medium-sized clients--some are regulars, others are one-time propositions. She noticed that business owners need funds to expand, but they were discouraged by the current downturn in availability of loans to small businesses. At the same time, Elaine noticed that on-line lending firms were springing up to fill the void left when banks declined loan requests. She used social media to reach out to area businesses, offering to help them access on-line funding. She posted pictures of stacks of coins with the edges of $100 bills peeping out from behind, along with the tag line "Need a loan?" Having researched a dozen on-line lending firms, Elaine used her expertise to guide her new clients through the maze, significantly growing her business coaching operation.
Social media can grow your business in ways unheard of several years ago. Put on your marketing hat and see what Facebook and others can do for you.
For example, if you have never used Facebook to promote your business, it's time to get your feet wet. Jump in, the water's fine.
to help you better manage your small business.
Social media is a great tool for small business. Facebook and others can reach out into the community and put a friendly face on your business.
Pictures on Facebook attract attention, remind people who your are, and get passed around to others. It's a marketing tool not available just 20 years ago.
Example: Takisha has sites on eBay and Etsy. On both of these, she puts items up for auction or sale. The items come from her consignment store, an active bricks and mortar operation. To attract more attention, she has a Facebook page where she posts a picture every day of an item. Usually, Takisha's cat or dog can be seen, prominently included in the picture. All of this is meant to drive traffic to her store or to her sites on eBay and Etsy. She includes the cat or dog to help attract attention and get the picture passed around or mentioned to other viewers.
Example: Bud is a landscaper who is stepping his business up to a new level. On social media he shows yards he has done, gardens he takes care of , new designs he is planning. All of this entices new clients with pictures of stone terraces, fish and lily ponds, gates and trellises, and other landscape/garden features. He regularly posts pictures on Facebook and other social media. These have brought in new clients looking for more than lawn-cutting. Bud's business is growing and attracting new up-scale clients.
Example: Elaine is a business coach. She has attracted several small and medium-sized clients--some are regulars, others are one-time propositions. She noticed that business owners need funds to expand, but they were discouraged by the current downturn in availability of loans to small businesses. At the same time, Elaine noticed that on-line lending firms were springing up to fill the void left when banks declined loan requests. She used social media to reach out to area businesses, offering to help them access on-line funding. She posted pictures of stacks of coins with the edges of $100 bills peeping out from behind, along with the tag line "Need a loan?" Having researched a dozen on-line lending firms, Elaine used her expertise to guide her new clients through the maze, significantly growing her business coaching operation.
Social media can grow your business in ways unheard of several years ago. Put on your marketing hat and see what Facebook and others can do for you.
For example, if you have never used Facebook to promote your business, it's time to get your feet wet. Jump in, the water's fine.
Monday, August 17, 2015
Packaging your business
Free daily tips, information, advice and ideas
to help you better manage your small business.
Packaging is more than what you see on a bag or corn chips. Packaging is important in your small business--even if you don't sell corn chips.
Big companies spend lots of money on packaging. And it ain't just on bags and bottles and boxes. Companies also package themselves. They call it branding.
Owners of small businesses also need to brand or package themselves. You need to package your business in a way that's attractive, memorable, and sticks in the minds of customers and clients.
Example: Maria runs a catering operation. She has grown the operation over the years into a high end, upscale resource for the types of clients she targets. She uses social media--pictures on Facebook, for example--to separate her unique business from other caterers. Pictures show gloved servers dressed in chic, formal attire ready to take over and handle an event--all of the event, from soup to nuts. Other pictures zoom in on table settings with wine being poured. Still others are long shots showing tables with guests and couples dancing on a portable dance floor to the music of a live band. In short, all of Maria's social media pictures show an event, with people enjoying themselves at an upscale affair. All this has the effect of conveying enjoyment, not the food being served. This branding lifts Maria's catering operation out of the mundane, and it separates her from other caterers--where food is usually the total focus. It firmly implants in the viewer's mind how their affair can be taken to the next level.
Packaging or branding your business is being done whether or not you pay attention. Your business has a life of its own, a reputation that grows and spreads. You can let it grow on its own, or you can guide it.
Social media offers many opportunities to control and guide your branding. You are what people see--and talk about.
To take your business to the next level, always do a business plan. And that plan should include branding or packaging efforts--the reputation of the business as a whole.
to help you better manage your small business.
Packaging is more than what you see on a bag or corn chips. Packaging is important in your small business--even if you don't sell corn chips.
Big companies spend lots of money on packaging. And it ain't just on bags and bottles and boxes. Companies also package themselves. They call it branding.
Owners of small businesses also need to brand or package themselves. You need to package your business in a way that's attractive, memorable, and sticks in the minds of customers and clients.
Example: Maria runs a catering operation. She has grown the operation over the years into a high end, upscale resource for the types of clients she targets. She uses social media--pictures on Facebook, for example--to separate her unique business from other caterers. Pictures show gloved servers dressed in chic, formal attire ready to take over and handle an event--all of the event, from soup to nuts. Other pictures zoom in on table settings with wine being poured. Still others are long shots showing tables with guests and couples dancing on a portable dance floor to the music of a live band. In short, all of Maria's social media pictures show an event, with people enjoying themselves at an upscale affair. All this has the effect of conveying enjoyment, not the food being served. This branding lifts Maria's catering operation out of the mundane, and it separates her from other caterers--where food is usually the total focus. It firmly implants in the viewer's mind how their affair can be taken to the next level.
Packaging or branding your business is being done whether or not you pay attention. Your business has a life of its own, a reputation that grows and spreads. You can let it grow on its own, or you can guide it.
Social media offers many opportunities to control and guide your branding. You are what people see--and talk about.
To take your business to the next level, always do a business plan. And that plan should include branding or packaging efforts--the reputation of the business as a whole.
Friday, August 14, 2015
Money matters
Free daily tips, information, advice and ideas
to help you better manage your small business.
There is never enough money to do all the things you want to do in small business. Money--and cash flow--is always a problem.
When income is greater than expenses, you can point to a healthy bottom line. There's some money left over to grow, expand, buy a new piece of equipment, hire another employee--or take on repayments on a loan.
Sometimes, there is money to do all the things you want to do. But that is rare. Your dreams are bigger than your pocketbook allows. Or you want to grow faster than your bottom line supports--an infusion of additional cash can put you on the road to faster growth.
This is when you look to borrow the money you need. Sources like banks don't loan to small businesses like they once did. Credit cards are very expensive alternatives--be very careful using them. Borrowing from friends and relatives is not a good idea--unless you draw up an agreement with specific terms.
Enter the net. In recent years, several firms have popped up offering to do business loans. They make it easy and quick. But you pay for that in interest. Do a Google search for "Business loans" and check carefully the listings. You might find one that suits you--some specialize in loans only to small business, say $2,000 to $20,000. Others are looking to make larger loans.
Another Internet source is "Crowd funding" and it means just what it says. If you have a great idea or an appealing business model, you might attract a large crowd of people who are willing to invest in you and your business. Some of these are structured as loans; others involve equity, or part ownership, in your business. To check it out, Google "Crowd funding" and read through the sites you find.
Small, local businesses can also look for private investors locally. Say you run a landscaping business, a beauty salon, a health food store, an auto repair shop, a veterinary practice, or whatever. Among your customers and clients you might find one who is willing to invest in a local business rather than continue playing the stock market. You'll probably need an attorney to draw up an agreement, but this is very real possibility--one I have used myself.
The key here in any of this is your cash flow. If your bottom line shows that your business can support a monthly loan repayment, then a loan is possible. And if your business is healthy and growing, then it might attract a private investor.
Managing money in small business takes ingenuity, creativity, and a willingness to take risk. Taking a risk is not like rolling the dice. Taking a risk is seeing a path forward--with some degree of certainty.
to help you better manage your small business.
There is never enough money to do all the things you want to do in small business. Money--and cash flow--is always a problem.
When income is greater than expenses, you can point to a healthy bottom line. There's some money left over to grow, expand, buy a new piece of equipment, hire another employee--or take on repayments on a loan.
Sometimes, there is money to do all the things you want to do. But that is rare. Your dreams are bigger than your pocketbook allows. Or you want to grow faster than your bottom line supports--an infusion of additional cash can put you on the road to faster growth.
This is when you look to borrow the money you need. Sources like banks don't loan to small businesses like they once did. Credit cards are very expensive alternatives--be very careful using them. Borrowing from friends and relatives is not a good idea--unless you draw up an agreement with specific terms.
Enter the net. In recent years, several firms have popped up offering to do business loans. They make it easy and quick. But you pay for that in interest. Do a Google search for "Business loans" and check carefully the listings. You might find one that suits you--some specialize in loans only to small business, say $2,000 to $20,000. Others are looking to make larger loans.
Another Internet source is "Crowd funding" and it means just what it says. If you have a great idea or an appealing business model, you might attract a large crowd of people who are willing to invest in you and your business. Some of these are structured as loans; others involve equity, or part ownership, in your business. To check it out, Google "Crowd funding" and read through the sites you find.
Small, local businesses can also look for private investors locally. Say you run a landscaping business, a beauty salon, a health food store, an auto repair shop, a veterinary practice, or whatever. Among your customers and clients you might find one who is willing to invest in a local business rather than continue playing the stock market. You'll probably need an attorney to draw up an agreement, but this is very real possibility--one I have used myself.
The key here in any of this is your cash flow. If your bottom line shows that your business can support a monthly loan repayment, then a loan is possible. And if your business is healthy and growing, then it might attract a private investor.
Managing money in small business takes ingenuity, creativity, and a willingness to take risk. Taking a risk is not like rolling the dice. Taking a risk is seeing a path forward--with some degree of certainty.
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