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#teacommerceThe Mama of mama teahttp://www.blogger.com/profile/08542877900447677603noreply@blogger.comBlogger8125tag:blogger.com,1999:blog-422726947551786405.post-29873971505881313602012-01-05T09:55:00.000-08:002012-01-05T09:55:04.458-08:00The ONLY resolution you need in 2012!<div dir="ltr" style="text-align: left;" trbidi="on"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">It's that time of year. We are all making resolutions and setting goals, so its pretty exciting!! </span><br />
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<span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">If you are like me, you have a LONG list of dreams and ambitions, which is great!! However, once we get stuck into the year, we tend to lose that list and forget about the goals we set at the start of the year. </span><br />
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<span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">At the end of last year, READING three books transformed my understanding of marketing my tea business. Therefore I now have two lists of resolutions:</span><br />
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<span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">1. My long list of exciting goals.</span><br />
<span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">2.<b><u> I RESOLVE TO READ</u></b></span><br />
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<div class="separator" style="clear: both; text-align: center;"><a href="http://2.bp.blogspot.com/-t1Mhx3fEjqk/TwXgGqN_wuI/AAAAAAAAAlI/3SjNIK0E5-U/s1600/baby_reading-1.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><img border="0" height="277" src="http://2.bp.blogspot.com/-t1Mhx3fEjqk/TwXgGqN_wuI/AAAAAAAAAlI/3SjNIK0E5-U/s320/baby_reading-1.jpg" width="320" /></span></a></div><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><br />
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<span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">You might be like me - I find a brilliant book, get all excited, start reading it, make notes, then get distracted and before I know it, it is propping up my ipad as I play Angry Birds.</span><br />
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<div class="separator" style="clear: both; text-align: center;"><a href="http://1.bp.blogspot.com/-7hdpdFg-9T0/TwXgXEVjbkI/AAAAAAAAAlU/Vk4JDkK42D4/s1600/angry-birds-online.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><img border="0" src="http://1.bp.blogspot.com/-7hdpdFg-9T0/TwXgXEVjbkI/AAAAAAAAAlU/Vk4JDkK42D4/s1600/angry-birds-online.jpg" /></span></a></div><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><br />
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<span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">No more!! </span><br />
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<span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">1. iPad thou will helpest me at all times to read RELEVANT material on apps like <a href="http://www.mashable.com/">Mashable</a> as well as brilliant books;</span><br />
<span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">2. Kindle, thou might not be as sexy as the said iPad, but at least you cannot DISTRACT me with email missives from all and sundry </span><br />
<span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">3. iPhone, Facebook and Twitter, I love you all but thou will all be getting switched off (I know, heresy!) when I am READING!</span><br />
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<div class="separator" style="clear: both; text-align: center;"><a href="http://3.bp.blogspot.com/-BCf6lEho0HA/TwXgw4iMoLI/AAAAAAAAAlg/gcQ4FLe7GGg/s1600/ipad-kindle-650x414.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><img border="0" height="203" src="http://3.bp.blogspot.com/-BCf6lEho0HA/TwXgw4iMoLI/AAAAAAAAAlg/gcQ4FLe7GGg/s320/ipad-kindle-650x414.jpg" width="320" /></span></a></div><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><br />
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<span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Here are some of the exciting ways in which I will be improving in 2012 through more reading:</span><br />
<span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">I will:</span><br />
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<ul style="text-align: left;"><li><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">improve my vocabulary (cool, so a step up from #hurricanebawbag then!)</span></li>
<li><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">improve my concentration (I really really need this one.......what am I doing again......?)</span></li>
<li><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">build my self esteem. Wow! With more knowledge comes more confidence. Or I just become really good at pub quizs. But still, I am keen on this benefit!</span></li>
<li><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">improve my memory ( need this one - see point above!)</span></li>
<li><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">improve my creativity!! Hurrah!!!!</span></li>
<li><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">always have something to talk about.......(if I haven't lost all my friends by boasting about my new vocabulary and winning every pub quiz!)</span></li>
<li><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">reduces boredom. Bye bye Angry Birds.</span></li>
</ul><div><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Who would have known that reading could give you all that?</span></div><br />
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<a href="http://www.inewsindia.com/2008/09/29/10-benefits-of-reading/"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">http://www.inewsindia.com/2008/09/29/10-benefits-of-reading/</span></a><br />
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<span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">In my next blog post, I'll tell you which books transformed my understanding of marketing last year!!</span><br />
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<span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">With Kind Resolutions,</span><br />
<span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">The Mama</span><br />
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</div>The Mama of mama teahttp://www.blogger.com/profile/08542877900447677603noreply@blogger.com0tag:blogger.com,1999:blog-422726947551786405.post-89787782095671357722011-05-05T15:05:00.000-07:002011-05-05T15:05:47.787-07:00Maximising Business Growth - RSM Tenon Seminar<div dir="ltr" style="text-align: left;" trbidi="on"><!--StartFragment--> <br />
<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;"><span lang="EN-US" style="font-family: "Helvetica Neue"; font-size: 11.0pt; mso-bidi-font-family: "Helvetica Neue"; mso-bidi-font-size: 16.0pt;">J</span><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: "Helvetica Neue"; mso-bidi-font-size: 16.0pt;">ust been to an excellent seminar by John Daly of RSM Tenon, Corporate Finance on how to maximise your business growth. This Mamapreneur is very inspired! The seminar basically contained the key steps to growing your business and achieving the best possible price for your business on exit.<o:p></o:p></span></div><div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;"><span class="Apple-style-span" style="font-family: Arial; font-size: medium;"><span class="Apple-style-span" style="font-size: 15px;"><b><u><br />
</u></b></span></span></div><div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;"><b style="mso-bidi-font-weight: normal;"><u><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: "Helvetica Neue"; mso-bidi-font-size: 16.0pt;">What is your business WORTH?<o:p></o:p></span></u></b></div><div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;"><span class="Apple-style-span" style="font-family: Arial; font-size: medium;"><span class="Apple-style-span" style="font-size: 15px;"><b><u><br />
</u></b></span></span></div><div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;"><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: "Helvetica Neue"; mso-bidi-font-size: 16.0pt;">If you are thinking of exiting your business at some point, you need to think about your potential buyer, who will need to value your business in order to make you an offer. Potential buyers use 3 main methods to value a business:<o:p></o:p></span></div><div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;"><br />
</div><div class="MsoListParagraphCxSpFirst" style="margin-left: 54.0pt; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l2 level1 lfo1; mso-pagination: none; text-autospace: none; text-indent: -36.0pt;"><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: Arial; mso-bidi-font-size: 16.0pt; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: "Helvetica Neue"; mso-bidi-font-size: 16.0pt;">Net Assets</span></b><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: "Helvetica Neue"; mso-bidi-font-size: 16.0pt;"> (this is more relevant for property type businesses);<o:p></o:p></span></div><div class="MsoListParagraphCxSpMiddle" style="margin-left: 54.0pt; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l2 level1 lfo1; mso-pagination: none; text-autospace: none; text-indent: -36.0pt;"><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: Arial; mso-bidi-font-size: 16.0pt; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: "Helvetica Neue"; mso-bidi-font-size: 16.0pt;">Discounted cashflow</span></b><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: "Helvetica Neue"; mso-bidi-font-size: 16.0pt;"> (to use this, you identify future cashflow and apply a discount to it) ; and<o:p></o:p></span></div><div class="MsoListParagraphCxSpLast" style="margin-left: 54.0pt; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l2 level1 lfo1; mso-pagination: none; text-autospace: none; text-indent: -36.0pt;"><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: Arial; mso-bidi-font-size: 16.0pt; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: "Helvetica Neue"; mso-bidi-font-size: 16.0pt;">Earnings based valuation</span></b><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: "Helvetica Neue"; mso-bidi-font-size: 16.0pt;">.<o:p></o:p></span></div><div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;"><br />
</div><div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;"><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: "Helvetica Neue"; mso-bidi-font-size: 16.0pt;">The main thing to remember is that accountants are not wholly responsible for valuing businesses. Market forces value businesses; it all depends on what a buyer is willing to pay for a business that matters.<o:p></o:p></span></div><div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;"><br />
</div><div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;"><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: "Helvetica Neue"; mso-bidi-font-size: 16.0pt;">Earnings based valuation<o:p></o:p></span></b></div><div class="MsoListParagraph" style="margin-left: 54.0pt; mso-add-space: auto; mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;"><br />
</div><div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;"><span lang="EN-US" style="color: #5f497a; font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: "Helvetica Neue"; mso-bidi-font-size: 16.0pt;">Maintainable Earnings X Price Earnings Ratio = the Business Valuation.<o:p></o:p></span></div><div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;"><br />
</div><div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;"><u><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: "Helvetica Neue"; mso-bidi-font-size: 16.0pt;">Maintainable Earnings<o:p></o:p></span></u></div><div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;"><br />
</div><div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;"><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: "Helvetica Neue"; mso-bidi-font-size: 16.0pt;">This is also known as Earnings Before Interest and Taxation (or EBIT). This figure will also take into account the salary of an owner of a business. This highlights a very important point! Buyers are not keen on businesses that are reliant on the business owner. Therefore, buyers are looking for a CREDIBLE MANAGEMENT TEAM. The ideal situation would be for the business owner to almost be a “general manager’ of the business, as the Buyer can replace a General Manager.<o:p></o:p></span></div><div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;"><br />
</div><div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;"><u><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: "Helvetica Neue"; mso-bidi-font-size: 16.0pt;">Price Earnings Ratio<o:p></o:p></span></u></div><div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;"><br />
</div><div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;"><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: "Helvetica Neue"; mso-bidi-font-size: 16.0pt;"><span style="mso-spacerun: yes;"> </span>This is basically a multiplier of earnings. Trade buyers will typically look at a multiplier of between 4-8. A BRILLIANT TIP is that if your potential Buyer is a PLC, then this is ideal, as quoted companies normally have a higher multiple (average is 15), therefore they might offer a multiple of something like 11 instead of 8.</span></div><div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;"><span class="Apple-style-span" style="font-family: Arial; font-size: medium;"><span class="Apple-style-span" style="font-size: 15px;"><b><u><br />
</u></b></span></span></div><div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;"><b style="mso-bidi-font-weight: normal;"><u><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: "Helvetica Neue"; mso-bidi-font-size: 16.0pt;">How do you INCREASE the VALUE of your business?</span></u></b></div><div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;"><b style="mso-bidi-font-weight: normal;"><u><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: "Helvetica Neue"; mso-bidi-font-size: 16.0pt;"><br />
</span></u></b></div><div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;"><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: "Helvetica Neue"; mso-bidi-font-size: 16.0pt;">There is an industry term called MAXIMISING BUSINESS VALUE (MBV). This is the KEY to preparing your business for exit. Between 1 and 5 years from sale, you should be focused on this.<o:p></o:p></span></div><div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;"><br />
</div><div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;"><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: "Helvetica Neue"; mso-bidi-font-size: 16.0pt;">So how to you achieve MBV for your business?<o:p></o:p></span></div><div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;"><br />
</div><div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;"><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: "Helvetica Neue"; mso-bidi-font-size: 16.0pt;">You need an OWNERS PLAN!!<o:p></o:p></span></div><div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;"><br />
</div><div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;"><b style="mso-bidi-font-weight: normal;"><u><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: "Helvetica Neue"; mso-bidi-font-size: 16.0pt;">OWNERS PLAN – what do you want to achieve?<o:p></o:p></span></u></b></div><div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;"><br />
</div><div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;"><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: "Helvetica Neue"; mso-bidi-font-size: 16.0pt;">1.<span style="mso-tab-count: 1;"> </span>Personal Objectives<o:p></o:p></span></div><div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;"><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: "Helvetica Neue"; mso-bidi-font-size: 16.0pt;">2.<span style="mso-tab-count: 1;"> </span>Business Objectives<o:p></o:p></span></div><div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;"><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: "Helvetica Neue"; mso-bidi-font-size: 16.0pt;">3.<span style="mso-tab-count: 1;"> </span>Interaction between the two<o:p></o:p></span></div><div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;"><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: "Helvetica Neue"; mso-bidi-font-size: 16.0pt;">4.<span style="mso-tab-count: 1;"> </span>Timescales<o:p></o:p></span></div><div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;"><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: "Helvetica Neue"; mso-bidi-font-size: 16.0pt;">5.<span style="mso-tab-count: 1;"> </span><b style="mso-bidi-font-weight: normal;">Business vision (definition of success)<o:p></o:p></b></span></div><div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;"><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: "Helvetica Neue"; mso-bidi-font-size: 16.0pt;">6.<span style="mso-tab-count: 1;"> </span>Increase business attractiveness<o:p></o:p></span></b></div><div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;"><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: "Helvetica Neue"; mso-bidi-font-size: 16.0pt;">7.<span style="mso-tab-count: 1;"> </span>Shareholder agreement needed?<o:p></o:p></span></div><div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;"><br />
</div><div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;"><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: "Helvetica Neue"; mso-bidi-font-size: 16.0pt;">The absolute KEY to creating a valuable business is to define the BUSINESS VISION. Once you have a very firm idea of where you are going and the success you are going to create, this vision then trickles down throughout the business to your management team and staff. It is crucial.<o:p></o:p></span></div><div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;"><br />
</div><div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;"><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: "Helvetica Neue"; mso-bidi-font-size: 16.0pt;">You also have to think carefully about how you can <b style="mso-bidi-font-weight: normal;">increase your business attractiveness.</b> <o:p></o:p></span></div><div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;"><br />
</div><div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;"><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: "Helvetica Neue"; mso-bidi-font-size: 16.0pt;">How do you do this?<o:p></o:p></span></div><div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;"><br />
</div><div class="MsoListParagraphCxSpFirst" style="margin-left: 54.0pt; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l1 level1 lfo2; mso-pagination: none; text-autospace: none; text-indent: -36.0pt;"><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: Arial; mso-bidi-font-size: 16.0pt; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: "Helvetica Neue"; mso-bidi-font-size: 16.0pt;">You need a <b style="mso-bidi-font-weight: normal;">CREDIBLE MANAGEMENT TEAM</b><o:p></o:p></span></div><div class="MsoListParagraphCxSpMiddle" style="margin-left: 54.0pt; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l1 level1 lfo2; mso-pagination: none; text-autospace: none; text-indent: -36.0pt;"><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: Arial; mso-bidi-font-size: 16.0pt; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: "Helvetica Neue"; mso-bidi-font-size: 16.0pt;">You need to create a <b style="mso-bidi-font-weight: normal;">DEFENSIBLE BUSINESS</b><o:p></o:p></span></div><div class="MsoListParagraphCxSpMiddle" style="margin-left: 54.0pt; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l1 level1 lfo2; mso-pagination: none; text-autospace: none; text-indent: -36.0pt;"><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: Arial; mso-bidi-font-size: 16.0pt; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";"> </span></span></span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: "Helvetica Neue"; mso-bidi-font-size: 16.0pt;">SUSTAINABLE (PROFIT) GROWTH TREND<o:p></o:p></span></b></div><div class="MsoListParagraphCxSpMiddle" style="margin-left: 54.0pt; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l1 level1 lfo2; mso-pagination: none; text-autospace: none; text-indent: -36.0pt;"><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: Arial; mso-bidi-font-size: 16.0pt; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";"> </span></span></span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: "Helvetica Neue"; mso-bidi-font-size: 16.0pt;">WORKING CAPITAL<o:p></o:p></span></b></div><div class="MsoListParagraphCxSpLast" style="margin-left: 54.0pt; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l1 level1 lfo2; mso-pagination: none; text-autospace: none; text-indent: -36.0pt;"><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: Arial; mso-bidi-font-size: 16.0pt; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">5.<span style="font: 7.0pt "Times New Roman";"> </span></span></span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: "Helvetica Neue"; mso-bidi-font-size: 16.0pt;">ACQUISITIONS<o:p></o:p></span></b></div><div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;"><br />
</div><div class="MsoNormal" style="margin-left: 18.0pt; mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;"><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: "Helvetica Neue"; mso-bidi-font-size: 16.0pt;">With a credible management team, the business should be able to continue without you.<o:p></o:p></span></div><div class="MsoNormal" style="margin-left: 18.0pt; mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;"><br />
</div><div class="MsoNormal" style="margin-left: 18.0pt; mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;"><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: "Helvetica Neue"; mso-bidi-font-size: 16.0pt;">If you have a defensible business, this means that it is fairly difficult for any potential competitor to steal your business or idea. It is a good idea to try to grow your business in this way.<o:p></o:p></span></div><div class="MsoNormal" style="margin-left: 18.0pt; mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;"><br />
</div><div class="MsoNormal" style="margin-left: 18.0pt; mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;"><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: "Helvetica Neue"; mso-bidi-font-size: 16.0pt;">Make sure that you have good working capital for at least a period of 2 years before selling.<o:p></o:p></span></div><div class="MsoNormal" style="margin-left: 18.0pt; mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;"><br />
</div><div class="MsoNormal" style="margin-left: 18.0pt; mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;"><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: "Helvetica Neue"; mso-bidi-font-size: 16.0pt;">Acquisitions is a great way of growing the business however make sure that you don’t do an acquisition in the year of disposal.</span></div><div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;"><br />
</div><div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;"><br />
</div><div class="MsoNormal"><b style="mso-bidi-font-weight: normal;"><u><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: "Helvetica Neue"; mso-bidi-font-size: 16.0pt;">TEN TOP TIPS<o:p></o:p></span></u></b></div><div class="MsoNormal"><span class="Apple-style-span" style="font-family: Arial; font-size: medium;"><span class="Apple-style-span" style="font-size: 15px;"><b><u><br />
</u></b></span></span></div><div class="MsoListParagraphCxSpFirst" style="margin-left: 54.0pt; mso-add-space: auto; mso-list: l0 level1 lfo4; text-indent: -36.0pt;"><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: Arial; mso-bidi-font-size: 16.0pt; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: "Helvetica Neue"; mso-bidi-font-size: 16.0pt;">Corporate Structure – Buyer/Tax<o:p></o:p></span></div><div class="MsoListParagraphCxSpMiddle" style="margin-left: 54.0pt; mso-add-space: auto; mso-list: l0 level1 lfo4; text-indent: -36.0pt;"><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: Arial; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-size: 12.0pt;">Legal/Finance – tidy them, especially tax, accounts, contracts, leases, title, licences etc<o:p></o:p></span></div><div class="MsoListParagraphCxSpMiddle" style="margin-left: 54.0pt; mso-add-space: auto; mso-list: l0 level1 lfo4; text-indent: -36.0pt;"><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: Arial; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-size: 12.0pt;">Be aware of MBO’s – you don’t want to encourage your management team to buy out the business if you have the chance of a trade sale<o:p></o:p></span></div><div class="MsoListParagraphCxSpMiddle" style="margin-left: 54.0pt; mso-add-space: auto; mso-list: l0 level1 lfo4; text-indent: -36.0pt;"><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: Arial; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-size: 12.0pt;">Trend – manage a sustainable growth trend<o:p></o:p></span></div><div class="MsoListParagraphCxSpMiddle" style="margin-left: 54.0pt; mso-add-space: auto; mso-list: l0 level1 lfo4; text-indent: -36.0pt;"><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: Arial; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">5.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-size: 12.0pt;">Owners – need to have the “Yosho Test” – could the business operate without the business owner for 6 months?<o:p></o:p></span></div><div class="MsoListParagraphCxSpMiddle" style="margin-left: 54.0pt; mso-add-space: auto; mso-list: l0 level1 lfo4; text-indent: -36.0pt;"><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: Arial; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">6.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-size: 12.0pt;">Working Capital – fix it 2 years before exit<o:p></o:p></span></div><div class="MsoListParagraphCxSpMiddle" style="margin-left: 54.0pt; mso-add-space: auto; mso-list: l0 level1 lfo4; text-indent: -36.0pt;"><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: Arial; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">7.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-size: 12.0pt;">Customers – it is absolutely ESSENTIAL that the business is NOT reliant on individual accounts.<o:p></o:p></span></div><div class="MsoListParagraphCxSpMiddle" style="margin-left: 54.0pt; mso-add-space: auto; mso-list: l0 level1 lfo4; text-indent: -36.0pt;"><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: Arial; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">8.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-size: 12.0pt;">Take corporate finance advice if approached<o:p></o:p></span></div><div class="MsoListParagraphCxSpMiddle" style="margin-left: 54.0pt; mso-add-space: auto; mso-list: l0 level1 lfo4; text-indent: -36.0pt;"><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: Arial; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">9.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-size: 12.0pt;">Recognise when to sell<o:p></o:p></span></div><div class="MsoListParagraphCxSpLast" style="margin-left: 54.0pt; mso-add-space: auto; mso-list: l0 level1 lfo4; text-indent: -36.0pt;"><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-family: Arial; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">10.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="EN-US" style="font-family: Arial; font-size: 11.0pt; mso-bidi-font-size: 12.0pt;">Flex the variables<o:p></o:p></span></div><!--EndFragment--> </div>The Mama of mama teahttp://www.blogger.com/profile/08542877900447677603noreply@blogger.com1tag:blogger.com,1999:blog-422726947551786405.post-58819790296932892022011-05-04T02:46:00.000-07:002011-05-04T02:46:08.865-07:00Mama Tea Shop on Payvment<div dir="ltr" style="text-align: left;" trbidi="on"><div style="text-align: justify;">It was truly a royal weekend with a happy ending, not just because of a wonderful wedding but because of mama tea being very social at the Scottish baby show! As a part of our social media experiment, we were exploring numerous options and finally found an application on Facebook which blew our tea cosy's off!</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;"><span class="Apple-style-span" style="color: purple;">Social commerce</span> is the next big thing to happen and before you know it, almost all businesses will have their own e-commerce platforms on their Facebook fan pages. How cool is that?! Mama Tea decided to do the same and finally zeroed in on one application which best suited our brand. The name of the application is called <span class="Apple-style-span" style="color: blue;">Payvment</span> and the beauty of the application is that you can set up your own virtual shop within minutes. The user interface is fairly simple even though the navigation links/icons could have been better.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">While most other similar applications either charge you on a monthly basis or take a cut from you sales or in the best case, redirect you to their website in the final step of the purchase, Payvment scores above the rest by being totally free. Yes <span class="Apple-style-span" style="color: red;">FREE!!!</span> There are no subscription charges, no commissions and the whole transaction takes place on your Facebook page itself.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">While the intricate details of how the application works are better left for you to explore, all you need to do first is "Like" Payvment's <a href="https://www.facebook.com/payvment"><span style="color: black;">Facebook page</span></a> and install the application. http://www.facebook.com/payvment.<br />
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After this, you are easily directed to setting up your shop where you can upload pics for each of your products along with their descriptions. Everything from shipping costs to sales tax can be customized very easily.You can even offer discounts to customers who "Like" your fan page and include option for bulk purchases. With everything said and done, the payment takes place using a secured portal and the customers can actually choose to pay by card or paypal. As and when a purchase is made, you will get an e-mail notification and you can also customize it to redirect through Payvment's IPN to send real-time notifications about an order.<br />
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</div><div style="text-align: justify;">You can visit the <a href="http://www.facebook.com/pages/mama-tea/64225229816?sk=app_135607783795"><span style="color: black;">Mama Tea Shop here</span></a> and explore it in detail. Go ahead and purchase your favorite teas from the virtual shop and let us know what you think about it.<br />
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SOCIAL COMMERCE ROCKS!!!!</div></div>The Mama of mama teahttp://www.blogger.com/profile/08542877900447677603noreply@blogger.com0tag:blogger.com,1999:blog-422726947551786405.post-26945394679987366342010-11-12T05:00:00.000-08:002010-11-12T05:00:55.144-08:00Focus - Create Mind SpaceFocus. It is the key to achieving anything and gives you great power but how do you get it and keep it?<div><br />
</div><div>We are blasted with information all day, from every source, so no wonder it is really difficult to switch everything else off and concentrate. If you need to focus on a project or a job, my first rule of thumb sounds easy, but isn't....</div><div><span class="Apple-style-span" style="color: purple;"><br />
</span></div><div><b><u><span class="Apple-style-span" style="color: purple;">Create Mind Space</span></u></b></div><div><br />
</div><div>To create a space in your mind for focus, you need to do the following:</div><div><br />
</div><div>1. clear your desk and <span class="Apple-style-span" style="color: purple;">switch everything off</span> that is not essential to the project in hand. Be brutal. No Facebook, no iPhone, no emails. Just you and your project. </div><div><br />
</div><div>2. Switch off everything in your mind that does not pertain to your project. What I mean by this, is to shut down any thought that is not relevant to your project. You don't need to worry about anything else other than the job in hand. This is really important. Worry about dinner, bills, your night out, later. You need to exercise <span class="Apple-style-span" style="color: purple;">conscious thinking</span>. This takes a bit of effort but is worth it!</div><div><br />
</div><div>3. Give yourself a<span class="Apple-style-span" style="color: red;"> </span><span class="Apple-style-span" style="color: purple;">set time</span> for the focussed work. I find that deciding to work for an hour or 90 minutes intensively works really well but it is different for everyone. This will allow your mind the freedom to let go of all the other thoughts and worries of the day. It is time out in one sense.</div><div><br />
</div><div>3. If starting from scratch, I would always start with a <span class="Apple-style-span" style="color: purple;">mind map</span>, to open up your mind creatively and allow it the freedom to think about the project laterally. This really encourages your mind to focus entirely on the project!</div><div><br />
</div><div>Hope this was useful. Feel free to add your own comments!</div><div><br />
</div><div><img src="http://www.loosetooth.com/Viscom/gf/6thinking_hats.gif" /></div><div><br />
</div>The Mama of mama teahttp://www.blogger.com/profile/08542877900447677603noreply@blogger.com0tag:blogger.com,1999:blog-422726947551786405.post-85890601566342003612010-10-29T04:08:00.000-07:002010-10-29T04:08:46.182-07:00FocusFocus is one of those mercurial things, isn't it? You need focus to have focus sometimes! We all have so much to do and so many people to please that is amazing that we ever have time to concentrate on anything, but we need it so much.<br />
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Focus clears your mind of other distractions and allows you the mental space to contemplate problems and work them out. We all have access to amazing resources and powerful minds, but without focus, you are selling yourself short.<br />
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Over the next few weeks, I am going to focus on FOCUS. I will research the tools that will help us both to tap into focus easily. Then, let's see what we are going to achieve!<br />
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Watch out world!!<br />
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<img src="http://www.unc.edu/world/College_Updates_2009/world-globe.jpg" />The Mama of mama teahttp://www.blogger.com/profile/08542877900447677603noreply@blogger.com0tag:blogger.com,1999:blog-422726947551786405.post-69481275820798072010-10-28T06:23:00.000-07:002010-10-28T06:23:52.332-07:00Evening News get Ready!Thanks also to the Evening News for this article. As it was such a well written piece, I sent the team a gift box of Mama Tea. The scoop is that the News Editor's wife who was overdue, went into labour after a cup of Ready Mama. Glad to be of assistance and congratulations on the new arrival!<br />
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<a href="http://edinburghnews.scotsman.com/scotland/39Mumpreneur39-scoops-award-for-stirring.6551890.jp?CommentPage=1&CommentPageLength=1000">http://edinburghnews.scotsman.com/scotland/39Mumpreneur39-scoops-award-for-stirring.6551890.jp?CommentPage=1&CommentPageLength=1000</a><br />
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<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgOB9FKehcd7ruX3uNio3bxwSQJgT9QX9pcAX-8mAb7TCsKGZ1OtlWQKoE4XsjtHT5deBnHktWqPtMT19y0vjWOqwux8LUYaXKu0YmgXkuniPdjaaQ-SsvMxMB99-JYwooGIw5kwtoUHmsF/s1600/Ready+Mama+1.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgOB9FKehcd7ruX3uNio3bxwSQJgT9QX9pcAX-8mAb7TCsKGZ1OtlWQKoE4XsjtHT5deBnHktWqPtMT19y0vjWOqwux8LUYaXKu0YmgXkuniPdjaaQ-SsvMxMB99-JYwooGIw5kwtoUHmsF/s320/Ready+Mama+1.jpg" width="191" /></a></div>The Mama of mama teahttp://www.blogger.com/profile/08542877900447677603noreply@blogger.com0tag:blogger.com,1999:blog-422726947551786405.post-61263711033391146552010-10-28T02:15:00.000-07:002010-10-28T02:15:09.115-07:00Article in Scotland on Sunday<span class="Apple-style-span" style="color: #b45f06;">A big thanks to Scotland on Sunday for this article! Whilst I do strap my iphone to the double buggy if on the beach with the babies, I do also occasionally wear a business suit and go to meetings! The joy of wearing many hats! </span><br />
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<a href="http://living.scotsman.com/interviews/Interview-Anna-Louise-Simpson-entrepreneur.6585217.jp">http://living.scotsman.com/interviews/Interview-Anna-Louise-Simpson-entrepreneur.6585217.jp</a>The Mama of mama teahttp://www.blogger.com/profile/08542877900447677603noreply@blogger.com0tag:blogger.com,1999:blog-422726947551786405.post-42068553219263248192010-10-27T16:32:00.000-07:002010-10-27T16:32:48.449-07:00Hello from the Mamapreneur!<span class="Apple-style-span" style="color: #444444;"><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;">Hello,</span></span><br />
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<span class="Apple-style-span" style="color: #444444;"><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;">Welcome to my first Mamapreneur Blog! I have decided to start blogging about my experience being a mumprenuer/mompreneur of Mama Tea and provide some useful tips for anyone else out there that is thinking about starting up a business!</span></span><br />
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<span class="Apple-style-span" style="color: #444444;"><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;">I hope that I can provide you with some help and support. I hope that it will be fun too!</span></span><br />
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<span class="Apple-style-span" style="color: #444444;"><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;">In the meantime, look out for my first Mamapreneur Business Bite.....coming soon</span></span><span class="Apple-style-span" style="color: #444444;"><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;">.</span></span><br />
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<span class="Apple-style-span" style="color: #444444;"><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;">In the meantime, have a look at my website, <a href="http://www.mamatea.com/">www.mamatea.com</a></span></span><br />
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<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgEeOOUp6OnZHrXDh7r4ASSF4mdzVsb8wMc_bfXin-vn6d_iwRW1kYhG4mbWyZ3YEmBTtVev5Z5ll4DLE_fqg5HXEG2d59uHiaZmYCALNhsRRiYpKyfrtVCsq2pDTMl7LtcDRzF9RW7zD9S/s1600/Mamatea014LS.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="213" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgEeOOUp6OnZHrXDh7r4ASSF4mdzVsb8wMc_bfXin-vn6d_iwRW1kYhG4mbWyZ3YEmBTtVev5Z5ll4DLE_fqg5HXEG2d59uHiaZmYCALNhsRRiYpKyfrtVCsq2pDTMl7LtcDRzF9RW7zD9S/s320/Mamatea014LS.JPG" width="320" /></a></div>The Mama of mama teahttp://www.blogger.com/profile/08542877900447677603noreply@blogger.com0