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If you're looking to cultivate any sort of business endeavour - online or otherwise - the most important thing that I have found is the role of SERVICE in what you're doing. Service is NOT an arbitrary word used to describe whether you respond to customer support emails - it lies at the CORE of what determines whether a business venture will become successful or not. Putting this into perspective, if you consider what a "business" actually "does" - we've witnessed a stark shift from a "production" to a "service" based model over the past 15 years. Fuelled by the connectivity of the Internet and developments in engineering techniques, the way to "be productive" in the modern world (particularly the West) is to provision new products and tools. How they get made should be a secondary concern (very little profit in it). The key - as opposed to historic production - is that it's no longer the case that having "production capacity" is a major deal... almost everybody has access to that. What people don't have is a MARKET into which to offer their products. This market (depending on which type of company you end up cultivating) will then determine the PRICE of the product and whether it's something they'll consider using. The point is that if you're looking to "get into" business, the absolutely most important thing you NEED to consider is what type of SERVICE you will be able to provide as a professional. This service - applied using either your own products/tools, or someone else's - is the real secret behind why some companies "always" seem to grow, whilst the majority struggle. This tutorial aims to explain how it works, and what to do if you're looking to get involved in the world of enterprise. Service Makes The World Go Round (Literally) Most people get involved with "business" because they have an idea they wish to pursue. Perhaps they wanted to create their own clothing line, have some sort of "lifestyle" business (winery/farm etc) or get involved with a particular field (cosmetics / modelling) - the hallmark of "failed" businesses typically starts with someone's wistful desire to "work for themselves". This is a lie. People don't care that you started a "business" and all the stories you read about a 12-year-old CEO who's onto his fifth company are only there because the publication wanted some fresh hype to keep its readers coming back. The simple reality is that the MAJORITY of people are only moved by necessity. How "necessary" they deem a product to be to their life is how much value they'll attribute to it (and thus a price). The way to ensure that YOUR products are bought is to create a necessity for its usage. Don't even think about "selling" it - [most] people aren't stupid; they'll attribute a price to any product they deem as essential to their life. No one ever quibbled over the cost of life-saving heart-surgery... and the same principle exists in every other business. People pay you in direct proportion to how much you actually "give a damn" about what you're doing. The most important thing is to realize is that "service" sits at the CORE of what makes people interested in a company. It's not their "products" or even their "staff" - it's what they DO on a daily basis which drives RESULTS. This "activity" is what the market recognizes - and is ultimately attracted to. Think about it. Apple don't "manufacture" their products. They design them and come up with all the components etc. Their service is design. Tesla do "manufacture" their products because no-one else can do it as well as them. Amazon are really a digital logistics company - no one is able to store and send out as many parcels as effectively as them. If you want to get into "business", come up with a RESULT that you can provide to a market. 10,000+ Twitter followers in the first 60 days 150+ YouTube subscribers in the next 90 days Conversational Italian in 14 days GUARANTEED Branding Lessons From Ferrari + Lamborghini CUSTOM SHIRTS get you laid; CUSTOM SUITS get you paid If you're looking to "start" a business, the absolute BEST thing you can do is look at what people are ALREADY looking to buy (just browse the "best sellers" section of any marketplace). This gives you a direct indication of *exactly* what they have a budget for (what they're willing to PAY for). This allows you to provide this RESULT as a service (IE in your own way) - giving you the ability to start attracting clients by virtue of how effective you are at providing said results. The BIGGEST issue I've seen is leading with a product, or even "solution". I hear it all the time - "what problem does your business solve"... hardly anyone buying a product actually thinks they have a "problem". Rather, they are looking for a particular SERVICE that can be provided to them to improve their life in some specific way. Or - as Gary Halbert said - "your marketing should make their pupils dilate". Think about it like this - which would you rather do business with: "The World's LARGEST Social Media Agency" or "The ONLY Agency To GUARANTEE 10,000+ FOLLOWERS In The NEXT 30 DAYS Or Your Money Back ". Whilst the former works for established businesses, the latter works for ANY business - especially new ones. Notice how you're not actually selling anything about the "process" of how you achieve the results? This comes afterwards; you need to stipulate EXACTLY what the buyer is going to get for their time/money, which in the case of "social media" is followers. For SEO, it's #1 Google ranks and for "programming", it's to create a "RECURRING SAAS BUSINESS". Obviously, the way in which those various results are cultivated is vital. But the irony is no-one cares about how you do it... as long as it's legit. This is why some companies "always" seem to win - their "service" is based around the provision of particular RESULTS. They ignore (outsource) everything else. If Starting A Business, It "Pays" To Focus On Service In conclusion, if you're looking at "starting" a business - the key is to forget yourself and focus entirely on the underlying results you can provide to the client. If you don't have the skills to provide said results, you need to get to work building them up (which can be done on the job). Think about every transaction from the perspective of what you can add to the engagement. Don't be afraid to "give away the family silver" (in terms of "secrets") - 99% won't compete with you, and the one guy who will rip you off will jump onto the next fad he finds. The key thing you need to do from an enterprise perspective is to identify the various "services" which you're either able - or capable of - providing for anyone with the right budget.

What is 'Finance' Finance describes the management, creation and study of money, banking, credit, investments, assets and liabilities that make up financial systems, as well as the study of those financial instruments. Some people prefer to divide finance into three distinct categories: public finance, corporate finance and personal finance. There is also the recently emerging area of social finance. Additionally, the study of behavioral finance aims to learn about the more "human" side of a science considered by most to be highly mathematical. BREAKING DOWN 'Finance' Public finance includes tax systems, government expenditures, budget procedures, stabilization policy and instruments, debt issues and other government concerns. Corporate finance involves managing assets, liabilities, revenues and debt for a business. Personal finance defines all financial decisions and activities of an individual or household, including budgeting, insurance, mortgage planning, savings and retirement planning. Public Finance The federal government helps prevent market failure by overseeing allocation of resources, distribution of income and stabilization of the economy. Regular funding for these programs is secured mostly through taxation. Borrowing from banks, insurance companies and other governments and earning dividends from its companies also help finance the federal government. State and local governments also receive grants and aid from the federal government. In addition, user charges from ports, airport services and other facilities; fines resulting from breaking laws; revenues from licenses and fees, such as for driving; and sales of government securities and bond issues are also sources of public finance. Corporate Finance Businesses obtain financing through a variety of means, ranging from equity investments to credit arrangements. A firm might take out a loan from a bank, or arrange for a line of credit. Acquiring and managing debt properly can help a company expand and ultimately become more profitable. Startups may receive capital from angel investors or venture capitalists in exchange for a percentage of ownership. If a company thrives and decides to go public, it will issue shares on a stock exchange; such initial public offerings (IPO) bring a great influx of cash into a firm. Established companies may sell additional shares, or issue corporate bonds to raise money. Businesses may purchase dividend-paying stocks, blue-chip bonds or interest-bearing bank certificates of deposit; they may even buy other companies in an effort to boost revenue. For example, in July 2016, newspaper publishing company Gannett reported net income for the second quarter of $12.3 million, down 77% from $53.3 million during the same quarter in 2015. However, due to acquisitions of North Jersey Media Group and Journal Media Group in 2015, Gannett reported substantially greater circulation numbers in 2016, resulting in a 3% increase in total revenue to $748.8 million for the second quarter. Personal Finance Personal financial planning generally involves analyzing an individual's or a family's current financial position, predicting short-term and long-term needs and executing a plan to fulfill those need within individual financial constraints. Personal finance is a very personal activity that depends largely on one's earnings, living requirements and individual goals and desires. Matters of personal finance include, but are not limited to, the purchasing of financial products for personal reasons, like credit cards, life, health and home insurance, mortgages and retirement products. Personal banking is also considered a part of personal finance, including checking and savings accounts, along with IRAs and 401(k) plans. Among the most important aspects of personal finance are: Assessing your current financial status: expected cash flow, current savings, etc. Buying insurance to protect yourself from risk and making sure your material standing is secure Calculating and filing taxes Savings and investments Retirement planning As a specialized field, personal finance is a fairly recent development, though forms of it have been taught in universities and schools as "home economics" or "consumer economics" since the early 20th century. The field was initially disregarded by male economists, as "home economics" appeared to be the purview of housewives. However, more recently economists have repeatedly stressed widespread education in matters of personal finance as integral to the macro performance of the overall national economy. Social Finance Social finance typically refers to investments made in social enterprises including charitable organizations and some cooperatives. Rather than an outright donation, these investments take the form of equity or debt financing, in which the investor seeks both a financial reward as well as a social gain. Modern forms of social finance can also include some segments of microfinance​, specifically loans to small business owners and entrepreneurs in less developed countries to enable their enterprises to grow. Lenders expect to earn a return on their loans, in addition to helping improve the individuals' standard of living and to benefiting the local society and economy. Social impact bonds (also known as Pay for Success Bonds or social benefit bonds) are a specific type of instrument that acts as a contract with the public sector or local government. Repayment and return on investment are contingent upon the achievement of certain social outcomes and achievements. Is Finance an Art or a Science? The short answer to this question is "both." Finance, as a field of study and an area of business, definitely has strong roots in related-scientific areas such as statistics and mathematics. Furthermore, many modern financial theories resemble scientific or mathematical formulas. However, there is no denying the fact that the financial industry also includes non-scientific elements that liken it to an art. For example, it has been discovered that human emotions (and decisions made because of them) play a large role in many aspects of the financial world. Modern financial theories, such as the Black-Scholes model, draw heavily on the laws of statistics and mathematics found in science; their very creation would have been impossible if science hadn't laid the initial groundwork. Also, theoretical constructs such as the capital asset pricing model (CAPM) and the efficient market hypothesis (EMH) attempt to logically explain the behavior of the stock market in an emotionless, completely rational manner, wholly ignoring elements such as market sentiment and investor sentiment. And while these and other academic advancements have greatly improved the day-to-day operations of the financial markets, history is ripe with examples that seem to contradict the notion that finance behaves according to rational scientific laws. For example, stock market disasters such as the Oct 1987 crash (Black Monday), which saw the Dow Jones Industrial Average (DJIA) fall more than 22%, and the great 1929 stock market crash beginning on Black Thursday (Oct. 24, 1929) are not suitably explained by scientific theories such as the EMH. The human element of fear also played a part (the reason a dramatic fall in the stock market is often called a "panic"). In addition, the track records of investors as a whole have shown that markets are not entirely efficient and, therefore, not entirely scientific. Studies have shown that investor sentiment appears to be mildly influenced by weather, with the overall market generally becoming more bullish when the weather is predominately sunny. Other phenomena include the January effect, the pattern of stock prices falling near the end of one calendar year and rising at the beginning of the next. Furthermore, certain investors have been able to consistently outperform the broader market for long periods of time, most notably famed stock-picker Warren Buffett, who at the time of this writing is the second-richest individual in the U.S., his wealth largely built from long-term equity investments. The prolonged outperformance of a select few investors like Buffett owes much to discredit the EMH, leading some to believe that to be a successful equity investor, one needs to understand both the science behind the numbers-crunching and the art behind the stock picking.

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