Steven asks…

I need some college advice please?

So here’s the story: I went to a very small high school (there were 10 in my grad class). I’m a commuter. I also work about 25 hours a week. For my first year, i took the bus. I made no friends. I tried to join a club but the meeting were so late I couldn’t go to them or i’d have no bus ride home! Plus, i had to work nights at my job at the time. I didn’t know what i wanted to do, so i was undeclared major. I didn’t have friends from my major or dorm like other students. I simply went to class and went to work and home. I made the dean’s list easily, but that didnt make me happy. In my second semester, i chose a major because my mother had been pressuring me to pick something. Over the summer, i decided to transfers schools and get a fresh start with a major i was interested in. I hate my new major. My dream is real estate. I want to sell it, rent it out, you name it! I don’t need a degree for that, but my father will practically disown me if i drop out. And i have to pay for every cent of the 27k tuition! I still have no friends. I have a new job and a car so i was able to join a club, but they don’t really talk to me outside of the club. I now have low B’s in 2 classes and a D in the other because i simply don’t care anymore. Any tips ? :( tips for making friends or if i schould drop out?Much appreciated and thank you for reading :)

Steve Cockrane answers:

Look around your area for real estate offices. You may see a sign that says, “New Associates Wanted.” Walk in. Tell them that you are not a new associate. Tell them that some day you want to be a Realtor. Some day you may join them. Ask them what should you study in college first. What did they study? If they say, “Haw foo, Sweetie, you can join us now,” excuse yourself and persist in advice for college.

My own idea is a major in business with a concentration in sales and marketing. You may think you don’t need a degree for that, but listen to people. You career may carry you to selling very pricey property to and for educated professionals. It may help to speak their language.

Making friends: Maybe you’re looking for love in all the wrong places. Ask the Realtors where you go for advice where they belong. Maybe your place is with the local Rotary Club.

William asks…

Should I send in my pictures to a NY modeling agency?

So I’m contemplating sending in my pictures to a modeling agency. I would send them to the plus-size division, since I’m 5’6ish and around a size 8/10. I’m just having a dilemma because I’m not quite tall enough. Should I send them in anyway? It can’t hurt right? Normally I wouldn’t do this (I have very low self esteem), but I’ve been told a number of times that I should be a model, so I’m thinking, why not, what have I got to lose? I realize the chances of them being interested in me are slim to none but still. What do you think? Any tips?

Oh btw,

I have red hair, blue-green eyes, and my measurements are 39D-30.5-39. I know I am at a disadvantage, being 5’6, but Kate Moss is 5’6 so there is a bit of hope I guess lol.

Steve Cockrane answers:

Well, one thing to be looked at is: who is telling you that you should model?
How well do you trust this person’s fashion/media sense?
Do they have a vested interest in your modeling?

You, evidently think they know what they’re talking about, but, how would you know that?
It’s all too easy to agree with such flattering advice, whether we’re “modeling material” or not.

It’s well and good to say: “Be a model.”
The experience of becoming a model though, is an uphill climb for most models, and it takes time, ,,,,,time to become familiar with the options available to you in the industry; time to become known in the industry as a professional who is willing; and time to network every day. The best foundation for a modeling career will be a business network of contacts, references, etc. And a support system of friends and family.

There are many types of modeling, don’t forget:. Tea room modeling (live, in a small gathering) runway, catalogue, print, fragrance and cosmetic promotional modeling, to name a few. And each has their own set of standards and requirments.

Has someone invited or requested that you send them your pictures, or book?
To cold-call a modeling agency is only for the strong willed., I believe.
There are small-time modeling venues: the local lodge newsletter, town hall business listing.
You might have an opportunity to be a part of something at this level; Find out which agency handles the ads, and follow up. This won’t necessarily translate into more, and better gigs, shows and shoots. It may, but if not, would you be satisfied with exposure at a local level.

For a modeling agency to take advantage of you is one of the easiest things.
If you have any experience in the industry, the possibility of the agency taking advantage of you (,,be it by,,outlandish contract conditions; requiring further training and/or pictures at your expense, etc.)
is reduced. The agency still has the upper hand. It’s true that you can never know what they may be looking for. You just might be what they’re in the market for.
Your initial consideration has got to be whether or not you already have a portfolio of pictures and headshots. This is your resume’.
With this tool in hand you’re well ahead of the game; even still, certain agencies may require you to reshoot and create a book with them, at your expense. (Always a red flag.)

Another serious consideration will be: how well do you respond to rejection, criticism, and senseless favoritism. A model encounters these almost daily, over and over.
I’ve heard of a singles-introduction magazine out of Philadelphia requesting volunteers to be their cover models. This would be one way of gaining some initial experience, exposure and feedback.
Even mainstream models have an uphill struggle getting noticed, picked and signed with a top agency. Practically every city probably has a few agencies that are nowhere near being considered “top agencies”. These types will encourage your involvment, whether you have little promise or a good deal of promise; take up your time, probably money and get you a tiny 2″x4″ advert. In a local flyer, thereby fullfilling their obligation to you as stated in your contract, in some cases.

These lines i’ve written, only scratch the surface of what I learned when I chased a dream I thought I had won.
I would say only proceed if you have loads of expendable income, loads of time ( to shop for clothes for shoots, interviews and contests; go to “go see’s”; get rejected; get lost along the way), and haven’t a care for the outcome.

If your daring, adventurous, grounded, and confident, then you might have the disposition to be a model.

Good luck!!

Maria asks…

I need help getting a job.?

I got fired from CVS for stealing and now its on my record. It was a sumb mistake that I made a while ago but Ive been turned down but Walgreens and Home Depot cause of that incident which was me just getting my friends some candy. Yea I know it sucks but I really need help getting a job. Im 18 and freaking broke. ANY HELP!!!!!

Steve Cockrane answers:

Find that job you will love!
Whatever you believe will happen!

Tips for a job hunt. There is more hiring happening!

? “Forget what’s available out there” and go for the job you want the most.

? Change the message on your answering machine: Put the kind of work you’re looking for in your greeting. “Hi this is Heather. I’m busy right now looking for a job in the finance department at a startup company. I recently saw a candidate wearing a t-shirt with a brief summary of their skills. Now that is marketing yourself!

? Write the phrase “Pay no attention to whether there is an opening (vacancy)” on a piece of paper, paste it on your bathroom mirror and memorize it and repeat it to yourself every morning. It will speed up your job search and you’ll keep a positive outlook. Use the web and library (ask the reference librarian) to get ideas on companies you should target.

? Concentrate the majority of your search on companies with fewer than 100 employees. Just because the larger firms are having layoffs doesn’t mean the smaller companies aren’t hiring. The recovery is already underway at smaller companies.

? Get out of the house. Knock on doors. Do research online or at the library about the places you’d like to work. Then stop in and ask if they are hiring anyone with your skills. Your physical presence will make an impression on the hiring authority. Or tell them “I already e-mailed my resume and
I would like to put a face with the resume I sent (have a hard copy in your hand). Tell the receptionist that you need her help. At one company where I worked an applicant showed up in a bunny suit, skip that bunny suit idea.

? Be willing to look at different kinds of jobs: full-time, part-time, short term contracts, temporary jobs etc. Consider these jobs as a bridge.

? Join a job seeking support group to get you going and to sustain your momentum. This is so crucial. You are not alone out there. Don’t miss an opportunity to network. My hairstylist and Doctor have referred many great candidates to me. I heard about someone who told their Doctor they needed work, they had a job the next day. Join your alumni! Network at your church. Keep seeking new ways to market yourself.

? Make a simple business card with the job you are looking for along with your contact info and e-mail address. The office supply stores sell the business cards stock so you can print them at home and save a bundle. I added a postage stamp sized photo to my business card. I saw a minature resume on one side of biz card.

? Don’t be wearied by rejection. The more noes you get out of the way, the closer you are to a yes.

? Dont’ just e-mail your resume. Try Faxing and snail ( U.S.) mailing your resume & cover letter. Companies are overwhelmed by e-mailed resumes. I know someone who got an interview and job at Kaiser by faxing her resume, her e-mailed resume didn’t get noticed because of the volume of resumes they receive. If a company requests no faxed resumes honor their request and snail ( U.S.) mail it instead. If you know an employee at the company ask them to submit your resume. Your chances for an interview go up dramatically by using these techniques. After you submitted your resume call and follow up.

? Your resume needs to be a marketing brochure on you. List your accomplishments and the results. A great resume is just the ticket to the interview, a mediocre resume is ignored. Check out the resume tips link listed below.

? Got goals? Write down a list of ten realistic and specific goals. Create them as if you already achieved them. For example “I earn $75,000 a year” or “I am the Manager of Product Development”. Then list everything you can do to achieve each goal, act on specific item now. Goals give you a tremendous sense of control, a real sense of power. Don’t share your goals with anyone.

? Resume Tips . Use only 10 point Arial or Times Roman fonts for your resume. Recruiters dislike functional resumes, stick with a chronological resume. A resume should not go back more than 10 to 12 years with a few exceptions such as you worked for 16 years at one company. Objectives can be misinterpreted and hurt your chances. Unless you are a new grad or changing careers you don’t really need an objective. Leave out personal information that is not related to your career, The year you graduated should not be included. Always use a spellchecker. Try not to view your resume as a biography about you, rather it needs to be a marketing brochure about you. It only has one purpose and that is to get you an interview.

? Most company websites list their executive managment. E-mail and call the VP responsible for the dept. Where you want to work. E-mail then call him/her with your best pitch. Tell the V.P. How you can solve problems as they relate to the position you want. Remember hiring is all about solving problems. Have you ever called the CEO and asked for her advice on how to get an interview? This worked for someone I know. She gave a 30 second pitch and that focused on the skills she could contribute to the company. The CEO had someone call and arrange an interview. This fired up her job search and spoke with other CEO’s including John Chambers of Cisco. See the next section on how to get the e-mail address for anyone at a company.

? Job hunting can be stressful. Avoid listening to the news because negative economic news will undermine your job search or drain your energy. Negative people will also derail you, so avoid them. Try to avoid job hunting burn out by scheduling time for fun and excercise.

? Share job hunting ideas with others who are between jobs. These tough times will not last.

? It is all about helping each other.

I have heard many people tell me that they never heard about the results of an interview. If you have interviewed and you have not been called or e-mailed with the results then call the company. If you were contender for a job and you didn’t get it…ask the recruiter or hiring manager for honest feedback that could help you in the next job opportunity. A candidate shared with me that after fifteen interviews the frustration of missing the mark was taking a toll. The candidate was using the following closing remark at the end of the interview “I really didn’t want this job anyway”. The candidate thought this would get them fired up. This was not a winning closing statement. The candidate decided to use “Do you have any concerns about my abilties to do this job” and then addressed any concerns. A good follow up would be “what are the next steps?

Share job hunting ideas with others who are between jobs.

It is all about helping each other.

Lisa asks…

How to Do Joint Venture Endorsement Marketing?

Steve Cockrane answers:

Joint Venture marketing is known as “the fastest and easiest way to make a fortune on earth”. What they can do in terms of increasing your profits – when done well – is nothing short of breathtaking. A JV endorsement is when one company endorses (recommends) someone else’s products or services to their customer list that they have a relationship with, and both share the profits. It’s a win/win arrangement.

1. Find another business owner who has a list of clients who are in your target market.
2. Contact the list owner and ask him if he would like to review your product or service. After he tries it out, explain to him or her that you want them to recommend you to their client base. If they do so, you get a lot of business and you give your partner a percentage of your additional profits. 50% is the norm. Always remember that a percentage of something is a lot better than 100% of nothing.


* You also have the right to keep the contact information (e-mail, addresses, etc.) of your new clients. Now you have a mailing list too! It’s a valuable asset. You can then endorse to them. Just be sure you have a good relationship with them before doing this.
* Find list owners who have huge lists. A list of 100,000 people is worth more than a smaller list (with all else being equal).
* Find list owners who have excellent relationships with their lists. The stronger the relationship, the stronger the endorsement. The stronger the endorsement, the more money you will make.
* Here is an example of the potential of JVs. If you were to get a hold of a customer list, and send an advertisement without an endorsement from the business owner they know and trust, the response rate may be around 1% to 3%. If you do get an endorsement, the response can increase to 10% – 33% and more. That is an increase of 1,100% to 3,300%!
* JVs are also low risk investments of time and capital, because you are paying on performance. If you make a sale, you give a percentage to your partner.


* Before endorsing to your list, be 100% sure that the product or service is of very good quality, or it will hurt your reputation, and you may have a lot of refunds coming in.
* Never partner with people who have shady businesses.
* Never partner with people who give you a bad feeling when you are in contact with them.

David asks…

facts about money????????

Steve Cockrane answers:

The word millionaire was first used by Benjamin Disraeli in his 1826 novel Vivian Grey.

If you stack one million US$1 bills, it would be 110m (361 ft) high and weight exactly 1 ton.

A million dollars’ worth of $100 bills weighs only 10 kg (22 lb).

One million dollars’ worth of once-cent coins (100 million coins) weigh 246 tons.

TIP is the acronym for “To Insure Promptness.”

The term “Blue Chip” comes from the colour of the poker chip with the highest value, blue.

Nessie, the Loch Ness monster is protected by the 1912 Protection of Animals Acts of Scotland. With good reason – Nessie is worth $40 million annually to Scottish tourism.

Of the more than $50 billion worth of diet products sold every year, almost $20 billion are spent on imitation fats and sugar substitutes.

Annual global spending on education is $80 billion.

US and European expenditure on pet food is $17 billion per year.

The global expenditure on healthcare and nutrition is $13 billion.

Money notes are not made from paper, it is made mostly from a special blend of cotton and linen.

In 1932, when a shortage of cash occurred in Tenino, Washington, USA, notes were made out of wood for a brief period. The wood notes came in $1, $5 and $10 values.

The world’s largest coins, in size and standard value, were copper plates used in Alaska around 1850. They were about a metre (3 ft) long, half-a-metre (about 2 ft) wide, weighed 40 kg (90 lb), and were worth $2,500.

The first credit card was issued by American Express in 1951.

About 30% of consumers use their credit card as their main means of buying Christmas goodies, 70% do not save to buy Christmas gifts and 86% of consumers do their Christmas shopping during December.

Excessive use of credit is cited as a major cause of non-business bankruptcy, second only to unemployment.

Statistics show that people with high, medium and low income groups spend about the same amount on Christmas gifts.

In the 1400s, global income rose only 0,1% per year; today it often tops 5%.

The average age of Forbes’s 400 wealthiest individuals is 63.

In 1955 the richest woman in the world was Mrs Hetty Green Wilks, who left an estate of $95 million in a will that was found in a tin box with four pieces of soap.

In 2001 the richest woman was Liliane Bettencourt, the daughter of L’Oreal’s founder. She has a net worth of $14 billion (depending on how the stock market did today).

In 2000, Queen Beatrix of the Netherlands is the second wealthiest woman, with $5,2 billion.

Queen Elizabeth II is one of the 10th wealthiest women in the world.

The $ sign was designed in 1788 by Oliver Pollock.

The term “smart money” refers to gamblers who have inside information or have arranged a fix, the gambling term for insuring the outcome of an event by illegal methods.

Small-time gamblers who place small bet in order to prolong the excitement of a game are called “dead fish” by game operators because the longer the playing time, the greater the chances of losing.

In gambling language, for a gambling house a “sure-thing” is a wager that a player has little chance of winning; “easy money” is their profit from an inexperienced bettor, an unlucky player is called a “stiff.”

Australians are the heaviest gamblers in the world; an estimated 82% of Australians bet. That is twice as much per capita as Europeans or Americans. Yet, Australia, with less than 1% of the world population, has 20% of the world’s poker machines.

There are more than 7 million millionaires in the world.

80% of millionaires drive second-hand cars.

In 1900, the price of gold was less than $40 per ounce. It reached $600 in 1930, now struggling to reach $400 per ounce.

If Los Angeles County was a country, it would be the 19th largest economy in the world.

If California was a country, it would be the 5th largest economy in the world.

Tobacco is a $200 billion industry, producing six trillion cigarettes a year – about 1,000 cigarettes for each person on earth.

In 1965, CEOs earned on average 44 times more than factory workers. In 1998, CEOs earned on average 326 times more than factory workers and in 1999, they earned 419 times more than factory workers.

The income gap between the richest fifth of the world’s people and the poorest measured by average national income per head increased from 30 to one in 1960, to 74 to one in 1998.

A third of the world’s people live on less than $2 a day, with 1,2 billion people living on less than $1 a day.

In the 17th century, wool fabrics accounted for about two-thirds of England’s foreign trade. Today, the leading wool producers are Australia, New Zealand, Argentina and China.

The NASDAQ stock exchange was totally disabled in on day in December 1987 when a squirrel burrowed through a telephone line.

In 1990, the word “recession” appeared in 1,583 articles in The Wall Street Journal.

Global sales of pre-recorded music total more than

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Lizzie asks…

How to make money with money?

I currently work as a valet and my primary goal is to save $8,000-$10,000 to invest into my ultimate goal. So far I have $850 cash and another $400 coming and within 5 months I should have at least $8000. Everything I’m saving is staying cold at home and I know I can do more with this money if I’m more of a hustler. One idea that came to mind was to buy items from garage sales and sell them on craigslist. But I’m looking for other options; maybe something eaiser, less time-consuming or more fun.

Any tips or ideas?

Steve Cockrane answers:

It’s a true saying: “Money attracts money”.

Now, You could potentially invest some of the money into the stock market. By doing this, You “lend” your money to a business, in exchange for a slice of the profits and their capital.

However, Be warned. You must research the stocks you are going to invest as the stocks can go down in price. However, they can also increase in price which gives you a nice profit on your invested money; It is like a gamble of sorts. However, you can increase your chances on getting a profit if you research and actually know what you’re doing. Many people “play the stock market”, and these people are very good at what they do. But they made a lot of losses over the years. It takes practice and knowledge.

For instance, My uncle invested some money into the stock market and the shares he bought, they went up in price over a year or so. He made his first million then, however he didn’t cash in his shares and receive the million. He planned to keep investing into that stock so he could get more profit. However, it went down in price, and lost his million. It is all a gamble in a sense. You do not know what way it is going to turn, you can only speculate.

I’m quite new to the stock market myself, but if you’re still interested, there is a lot of information on the internet regarding the stock market:

I understand that it isn’t easier, or less time-consuming. But it can have its high points if you know what you’re doing. A lot of people use the stock market on a daily basis, and takes some hard-work to understand, but it definitely is a great investment knowing how to work the stock market.


You could also, if you aren’t too interested in the stock market, you could invest your money in a small business and get a percentage of the business. (15, 25, 35%.. You get the idea). Small businesses are looking for investors all the time, and you actually own a bigger percentage of the business, rather than the stock market, and you also have an input on how it is run. It is a more exciting and rewarding investment! And if the small business grows bigger and bigger, you still have a massive percentage of ownership!

I’m going on and on, But there are a lot of options available to you. Especially for the amount of money you’re planning on raising. You seem to be very smart with your money, and I’m sure whatever you choose you’ll do well in.

Mark asks…

Selling Items On Ebay?

I have just put my first item up for auction on Ebay.

I was wondering, can you really make loads of money on there? Any tips, advice and stories about selling would also be good because obviously I am still very green. That’s my advert if you want a look. Is there anything I can do better next time?

I started off with something small and cheap so it isn’t as major if I screw it up.

Thanks x
Im not planning on selling loads of ribbons. They were just something small and cheap that I had lying around. They are just kinda like a bit of a practise go so I know what to x

Steve Cockrane answers:

Yes, you can make money. The more items you list, the more money you will make and the harder you will work.

Some tips:

Be honest and accurate in your descriptions – One-sentence descriptions are for lazy sellers. One paragraph should be sufficient for most items. My general guideline is the more expensive (read higher priced) an item, the more you should ‘talk it up.’ It won’t be time wasted. Use lots of adjectives in your descriptions. Adjectives make prose and your items come alive. Without them, prose is dull and your items less appealing.

Be professional – use good English with no spelling errors


ALWAYS include at least one picture, more pictures for higher priced items. Make sure your pictures are clear. There are far too many pictures on ebay that are dark. If prospective buyers can’t see your items clearly, your items, more than likely, will not fetch the closing prices they deserve. To remove darkness, use any photo editor to add some brightness and a wee bit of contrast.

Eliminate clutter. Prospective bidders don’t want to know what kind of cereal you eat or what kind of kitchen table or bedspread you have. Use a SOLID backdrop when taking your pictures as you want to focus all of the attention on your item. In short, the one and only thing you want in your picture is the item being sold. A SOLID white or light blue backdrop is best. However, there are certainly items that won’t show well on a light backdrop. In these cases, use a darker backdrop. And for gosh sake, don’t even think of using a plaid blanket as a backdrop for your pictures as I once saw on ebay. You should also crop the photos in your photo editor. Good pictures can add 5% to 10% to final closing prices.

GOOD DESCRIPTIONS + GOOD PICTURES = GOOD PRESENTATION. This is what you should strive for.


GOOD Communication is a must – Always notify buyers when you mail their items. It is not only a courtesy you would want and expect as a buyer but it is also both good customer service and good business practice. After all, you are the ‘President & CEO’ of your ‘company’ running your business but using ebay as your selling medium. In short, conduct your business so that it reflects well on you as a person. Treat everyone as a human being, not a living being, and this includes people who have inquiries about your items, not just your buyers. The potential bidders making these inquiries could ultimately be your buyers and possibly repeat customers.


Do not limit your auctions to one country. SELL WORLDWIDE. The reason is elementary. You now have access to the largest market ebay has to offer. Limiting your auctions to only one country also limits your potential profits. A basic business tenet is, ‘the greater the potential market, the greater the potential to maximize profits.’ But do note in your listing that PayPal is the only form of payment you will accept from overseas bidders/buyers. PayPal will protect you against fraud, i.e., worthless checks and money orders. Through experience, you will learn that there are certain problem countries. Italy seems to be one of them. Mail sent to buyers in Italy very often ‘mysteriously disappears.’ If this is the case, just note in your listing you sell to all countries EXCEPT (name(s) here).

However, if you decide to limit sales to only one country, such as the UK, never say NO when you receive an email asking if you would ship to Taiwan, Germany, Australia or wherever. The reason is that you have a ‘FISH ON THE HOOK!’ This person will bid! When he or she does, this may force a previous bidder to enter another, higher bid or force later, first time bidders to come in with higher bids. So always say YES to these emails if you want to maximize your profits. But do say that PayPal is the only form of payment you will accept from these overseas bidders

Do not limit your payment options – Offer all of them. Sellers who offer only PayPal or only money orders or money orders and checks are further limiting their potential market and, in turn, reducing their potential to maximize profits. Some people will not bid on items that do not have PayPal as a payment option. Then you have a smaller percentage that refuse to use PayPal and prefer to pay by check only or money order only.

NOTE: Effective late October 2008, ebay will no longer allow payment for items by checks or money orders.

Avoid selling ‘nickel and dime’ items. People who list and sell a steady stream of items that close for $5 or less are wasting their time. Less expensive, similar items ($5 or less) are best sold as a group to save time. If you have a large number of these cheaper, similar items, divide them up into sub lots of four or five.

More expensive, similar items are best sold separately to maximize profits. There are ebay ‘vultures’ who just love to swoop down on similarly grouped items in one listing. When they win these auctions, they turn around and sell the items individually and, in most cases, get one and a half to 2 times and sometimes three times what they paid for them on an average item basis. I know this works. When I had more time (read unemployed), I was one of these ‘vultures.’ This is one of those situations where the parts are worth more than the whole. However, do be cautious if you venture into this arena. You have to know your merchandise. Stay in those areas you are familiar with. You can’t jump in blindly to any and every auction that has grouped items.

Short of items to sell and where to find items to sell? Garage and yard sales, your attic, basement, estate sales, closets and flea markets are obvious as are ‘junktique’ shops. If you want to let your fingers do the walking, you too can be crafty ‘vulture’ like a select group of other ebay sellers. Become a member of several smaller auction sites and search for bargains there and turn them around on ebay. But as before, ‘stick with what you know.’

If you want to do your listings OFFLINE, download the TURBO LISTER program free from ebay. Once you have finished with your listings, you can upload them anytime or schedule a date and time when you want your auctions to start.

Lastly, keep in mind that experience is the best teacher. Start off slowly listing only one or two items and see how that goes for you. Once you get your feet wet and gain confidence, start listing more items on a weekly basis. You will soon learn the ins and outs and the dos and don’ts in short order and ultimately settle on a system that works best for you. If you are conscientious and put in a little extra effort, you will do well. If you are lazy or indifferent in selling your items, you won’t. Good luck & happy selling!

Lisa asks…

Any help for a restaurant start-up?

My wife and I plan on opening a resteraunt. My wife has 10+ years as manager, baker, ordering stock, basically everything.
I my self have had similar experience, when I was younger of course, but I am a hard worker who has NEVER been turned down for a raise, I also catch on really quick to just about everything. So in a year ot two it will be possible for us to have a financial backer, so start-up money is pretty much taken care of. so to my questions…….
I would like to know things like…….
Does it really count to have some busines degree or training when looking to lease a building , or open a busines account?? (both of us have all our pre-requisites out of the way right now so it wouldn’t be hard for us to continue on, in fact I plan to)
Opening a “franchise” as opposed to starting from scratch?
Research tips on best area to open in, near malls etc.
Buying equipment…. proofers, baking racks, ovens etc.?
Tax breaks and incentives?
What ever else you think can help.

Steve Cockrane answers:

Online free book in starting your own business… “Go It Alone” find it in this helpful websiite also marketing strategies on that same website… Look around for the 3rd set of links.

Good luck. I would also recommend that you start small and take time to grow… Instead of getting into something to big that you may not be able to manage as new proprietors… Take is slow and learn as you grow.

Joseph asks…

Home Based day Care?

Need information on how to start one in the state of georgia or in general .

Steve Cockrane answers:

The first step is to prepare a business plan. Even if you will not be applying for a bank loan, a business plan helps you to think through your business – what it needs, who it will benefit, how much it will cost, and what is its potential. Here are free business plans on childcare business that you may want to look into:

You may want to read the free article “How To Start Your Own Day Care Center” It covers various aspects of starting and running a daycare center including the demand for daycare centers, how to start this business, shoestring strategies, how to operate a daycare center, tips on caring for the children, income potential, how to manage your daycare, marketing your business and other additional income potential. There are so many things to learn about the business that the first step is to read everything you can find.

For in-depth information, I suggest checking out the following books:

- Start and Run a Profitable Home Day Care
- The Daycare Provider’s Workbook
- Start Your Own At-Home Child Care Business
- So You Want to Open a Profitable Child Care Center :
Everything You Need to Know to Plan, Organize and Implement a Successful Program

It is also important that you learn the tax rules affecting daycare centers, especially if you are going to open one from your home. Here is the IRS page on child care centers:,,id=99878,00.html

As for the licenses and requirements in your state, the Administration for Children and Families provide a state by state listing of contacts for licensing and regulations governing child care businesses:

In Georgia, you need to contact

Bright From the Start:
Georgia Deparment of Early Care and Learning
10 Park Place South, Suite 200
Atlanta, GA 30303
Phone: 404-651-7182
Fax: 404-657-8936
Hotline: 888-4GA-PREK
Web site:

Donna asks…

Will I pass the GMAT and get accepted to MBA program?

I am applying for B-school to UCI Merage, deadline is in 2 months. Is this enough time for me to complete application and study for and ace the GMAT?

I just graduated (less than 2 months ago) with a triple major bachelor of arts in Communications, Spanish and Bilingual Journalism. I am in the midst of taking my first 2 MBA courses at my Alma mater but I want to switch schools. The school I’m at now did not require the GMAT so I am pretty clueless on this. I haven’t taken a standardized test since my ACT days of high school, about 6 years ago (I scored a 25). Furthermore, I do have pretty solid written/grammar skills (though it might not be obvious from this paragraph, forgive me I’m pressed for time). So I’m not too worried about that section. What freaks me out is the “analytical” part. Does that mean Math or like Stats? I haven’t had a math course since College Trig freshman year (about 4 yrs ago). I got an A. In high school I was always pretty good at it, but I’m sure I’m very rusty.

What are the best ways to cram for this test? I have about a month to study for it, while simultaneously completing 2 MBA courses, doing my application and planing a vacation/trip to visit the school. Any tips? Will the new MBA program look at my current MBA classes? Will this help or hurt my chances?

I know most schools recommend work experience, I have done a lot of internships and probably 2 solid years of intern/volunteer/school related work. I feel like I have everything working against me. Time, money, age, race, gender, work experience, undergraduate major…Should I give up now? My undergrad cumulative GPA is 3.4 and 3.8 in my major. I was on Deans List 5/9 semesters. I’m also bilingual in Spanish and English and I studied abroad for a semester at a Business School in Madrid. No clue what I’ll get on GMAT, I know that plays a large factor in acceptance probability…

“Work-ish experience”: Interned for a small company in their internal marketing department for 10 months. Worked as an editorial intern for a travel/leisure magazine. I am a a Spanish tutor at my school. Also worked on the school newspaper, TV program and magazines/newsletters. Volunteered at a hospital. Interned for the Obama Campaign. Was a Sales rep for a (questionable, pyramid scheme/MLM) vitamin company – I was very young and naive but quit soon thereafter. Worked as customer service rep for UPS. (Most of these jobs were only a couple months long).

If you have any advice whatsoever please fell free to comment.

Steve Cockrane answers:

With regard to your preparation for the GMAT, you might consider taking a practice GMAT test or a diagnostic test to determine your current level of score and how much preparation will be required in order for you to achieve your GMAT goals. A program containing 2 full-length practice GMAT tests can be downloaded for free at A diagnostic test is also contained in the Official Guide for GMAT Review. Depending upon your current level of scoring and your GMAT goals, you might benefit from working with a GMAT expert on a 1-on-1 basis to help you achieve your GMAT and MBA admissions goals.

With regard to the content of the GMAT, the GMAT has three sections: the Analytical Writing Assessment section, the Quantitative section and the Verbal section, listed in order of appearance on the exam. The Analytical Writing Assessment section of the GMAT consists of two essay topics, Analysis of an Argument and Analysis of an Issue, to be written in 30 minutes each. The Quantitative section of the GMAT consists of 37 intermingled Data Sufficiency and Problem Solving questions to be answered in 75 minutes. The Verbal section of the GMAT consists of 41 intermingled Critical Reasoning, Reading Comprehension and Sentence Correction questions to be answered in 75 minutes.

With regard to your work experience, yes, in general, the more professional experience you have heading into business school, the better. You might benefit from several years of professional experience prior to applying to business school. The admissions committees at the top business schools will look favorably upon these additional years of work experience. Just as, or more, importantly, these additional years of professional experience will provide you a more insightful perspective on your future career goals and will make your MBA experience all the more rewarding.

Best wishes in your endeavors!

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GMAT Prep Courses | GMAT Tutoring | MBA Admissions Consulting

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