In my line of business, I often receive emails and phone calls from people who are just starting their online retail businesses and searching for wholesalers who can give them competitive prices on the latest merchandise from the most popular brand names. While it’s understandable that one would want to sell the latest merchandise from the highest quality, most popular brand names, it’s often an unrealistic goal unless you have a substantial amount of capital to invest in your business.

This is not to say that every prospective entrepreneur with the dream of establishing an online retail business should just throw in the towel – quite the contrary. Prospective online retailers need to understand the reality of the consumer goods industry, the abilities that they have based on their capital investment, and then design their business plan accordingly. In my next article, I’ll discuss some excellent options for prospective entrepreneurs with limited capital.

But first, let’s look at how some of the most successful companies in the consumer goods market operate their distribution channels. Companies with highly popular brand names have worked hard to establish these brands. Understandably, in order to protect the reputation of their brand names, they often establish strict controls in their distribution channel to ensure that their name is not compromised by association with a sub-standard retailer.

Many of them directly control their distribution channel and only sell their products to authorized retailers who have met their application requirements. Their requirements for authorized retailers often include:

1. A substantial minimum sales volume

2. A physical presence, not just an online storefront

3. An established history of retail sales and an exemplary credit rating

4. Strong recommendations from other vendors with whom a business has dealt

Some brands don’t allow private retailers to resell their products at all. Companies who operate in this manner may own their own retail shops and online retail websites. This is rare, but there are still some companies who operate like this, not allowing any independent retailer – large or small – to carry their products.

Many brands don’t directly control their distribution channels, opting to allow wholesalers to handle distribution to retailers. However, even if they don’t directly control distribution, they still may establish policies that their wholesalers must follow. These policies may be very similar to the policies often employed by brands that directly control distribution, employing one or more of the following requirements:

1. A substantial minimum sales volume

2. A physical presence, not just an online storefront

3. An established history of retail sales and an exemplary credit rating

4. Strong recommendations from other vendors with whom a business has dealt

Companies who operate their distribution channels with any of these levels of control will most likely not allow small volume wholesale purchases, eliminating distribution to start-ups with limited capital. The best advice that I can give to a prospective retailer is to pick up the phone and do your research directly with the source. Call the company’s sales or public relations department and inquire about their distribution policies before putting forth a lot of effort searching for their products through wholesalers. You’ll potentially save yourself hours of wasted time. Not to mention, if you happen to meet the requirements for establishing a direct relationship with the manufacturer, there is no better place to obtain your products.

Do you spend every waking minute at work? Do you find it difficult to take time out for you? Are you constantly working in a mess?

The Small Business Owner

These people tend to be involved in every aspect of their business from being the bookkeeper, marketer, human resources manager, mediator, customer liaison officer and cleaner.

The smaller the business the harder it is for the owner to delegate these functions because they dislike spending any money and, in fairness, the dollars can be much tighter. However, many fail to realize that if they invest their dollars wisely in accessing the right type of goods and services to grow their business and be more effective, they will see positive changes occur over time. They can become more productive and profitable. It takes time to build a good "business mindset" and to be an effective leader.

The Manager

Many of the managers I have coached suffer from similar challenges as the small business owner. The key difference of course is that the business owner is responsible for his business and cannot escape that responsibility. If the business is profitable or non-profitable it will impact on that person personally, particularly financially.

10 Habits of Highly Unsuccessful Business Owners

Check out if you regularly practice these habits:

Don’t practice what you preach

Tell other people what to do and don’t do it yourself. Set a poor example.

Do not invest any time and money into developing yourself and your people.

Forget ongoing personal and professional development. The less you and they know the more time, money and energy you will waste. A surefire way to have an unmotivated and unproductive team…not to mention the loss of opportunities.

Avoid planning at all costs

Continue to be reactive and do things on the spur of the moment. Don’t write a list of things to do each day and definitely do not use a diary to plan out what you will do. This will ensure you have no time and no life.

Eat whatever you want to and don’t exercise

Being unfit and overweight will ensure you’ll feel tired and look awful. You’ll also be susceptible to sickness. A great way to ensure you won’t be able to cope with the pressures of your personal and professional life.

Spend most of your waking hours at work

Start work early and stay late. This will sap you of energy and creativity. A surefire way to have unsatisfactory personal relationships. Next time you’re in a social situation outside of work you won’t have anything else to talk about except work, work, work. In fact people will avoid you because you’re boring!

Avoid looking after your clients/customers

Ignore them unless they contact you. The fact that without them you wouldn’t be in business won’t matter. Do your utmost to not deliver on your promises, avoid following them up or returning their calls. After all you’re a multi-millionaire and it wouldn’t matter to you if there was no one to purchase your goods and services…you can retire whenever you like.

Procrastinate at all costs

Avoid making decisions and taking action. This will frustrate your people and they’ll keep their ideas to help you and the business to themselves because they know you won’t take any action. A boss who procrastinates, affects everyone else around himn/her.

Be a Know-All

Avoid asking your people for their feedback. Keep them out of the loop. Regular team meetings? The unsuccessful business owner or manager doesn’t see the need to talk with his/her team… it means they take time off and waste valuable company time. No need to listen to what they have to say…what would they know? If meetings are called it’s only when there’s (another) crisis.

Never ask your clients/customers what they think about your products/services and the customer service (or is that disservice?) …you may be pleasantly surprised or horrified to find out the real truth. Better not to know then you don’t have to change.

Say ‘yes’ all day

Let everyone interrupt you all day long. Keep your office door open so people can wander in and talk to you. You can guarantee that you won’t get much work done. But that doesn’t matter, does it?

You’ve been doing it for so long now, why do anything differently? You want to be liked by everyone, regardless of the cost to you personally. As long as everyone else gets their work done, who cares if you work late to catch up?

Avoid Delegation at all costs

After all, no one is as good as you. Delegating or outsourcing means spending money if you run your own business. It’s better that you waste your time on secretarial tasks and doing the bookkeeping, because what else are you going to do with your time?

The Final Word

If you are a business owner or manager and you can truthfully say that the 10 habits mentioned don’t apply to you because you do the exact opposite …then congratulations, your business/department must be thriving. Keep up the great work…you deserve to succeed.

On the other hand, if you already have these habits firmly in place, then you are guaranteed not to succeed. You will leave work most days feeling stressed and unfulfilled. Is that what you really want? If so, then continue doing the same as you’ve always done. If not, then you must do something different. What are you prepared to do?

If you know where to go or what to do to make the changes, then go ahead and do it. If you’re unsure then call me but you better be serious about moving forward. I’m into making the most of my time and yours.

The choice is yours…continue doing the same things or change. As mentioned many times before, “the definition of insanity is doing the same thing and expecting a different result”.

Have you always dreamed of owning your own business, having the time and money to visit exotic locations and being able to fly first class? How about starting your own air courier service?

If you love traveling, live in or near a city with a large national or international airport, and you have the kind of lifestyle that lets you pick up and go on a moment's notice, then you might want to think about starting your own business as an "air courier".

What is an air courier? It's a person who is hired to transport a specific item from one destination to another, within a specified deadline.

And, before you start imagining sinister men in trench coats carrying guns with silencers, and beautiful foreign women transporting secret microchips, let me reassure you that traveling as an air courier is 100% legal and aboveboard!

What you are asked to transport varies tremendously -- it can be almost anything -- legal documents such as letters or business contracts, children going from one country to another, medicine that was forgotten during a vacation, reports, computer disks, product prototypes -- the list is endless.

In fact, because of the "instant gratification" mindset today where we are used to information and communication that travels faster than the speed of light, air courier companies have seen their businesses grow tremendously over the last ten years. What that means for you is increased opportunities for free travel.

Who can start their own air courier service? Anyone who is over 18, holds a valid passport and who is in good health. It also helps if you're flexible and can pick up and travel on very short notice.

Why is this a wonderful opportunity?

When sending a package by air, the shipper has two options -- the first is to send the package as "cargo." Cargo travels alone (especially since the tragedy of 9/11), is shipped in bulk in large containers that usually aren't sent until the container is full, in order to maximize revenues for the airlines.

In addition, especially when cargo is sent overseas, there are sometimes long delays getting the package through customs, there are endless regulations that must be followed, inspections that must be passed, etc.

For the air courier companies, who have to make sure the package is not only delivered, but reaches the intended recipient as quickly as possible, these delays are unthinkable. (If they don't make their deadlines, then their competitors will. Think of the slogan from one such company..."when it absolutely, positively has to be there overnight...")

On the other hand, if the same item is considered "personal baggage" and is carried with a ticketed passenger, it arrives with the passenger, and generally passes through customs quickly, without all the delays.

Plus, a person can book a ticket for a specific flight arriving at their destination at a specific time -- not so for cargo. Which means that a shipment that could take days or weeks if it's classified as cargo, can take hours instead because it's classified as baggage.

Because very few of the air courier companies have the resources to employ full-time couriers, the industry itself has come to rely on freelance air couriers, which, even when having to pay someone to travel, and covering the cost of their airfare, is still a better ROI when compared against the paying full-time wages, holiday and sick pay, insurance and all of the other costs involved with having employees.

This is where you come in.

As an air courier, you are providing a valuable service in a growing market. And from the traveler's point of view, you might find yourself flying to Paris one day, and Hong Kong a week later!

Once you've been hired, the process is pretty simple: the company contacts you, to check your availability. When you confirm, they book the flight and let you know when to be at the airport. You're met at the airport by a representative, who gives you your ticket, a list of item or items you're transporting, and your baggage claim tickets. They'll usually even have checked you in, saving you many hassles. You get to sit in first class, and enjoy the flight. That's it. You don't have to contact the recipient in the city you're flying to, actually pick up the package on your way to the airport, or do anything other than be responsible for it going from one airport to another.

At your destination, you'll be met by another company representative, who will take the baggage claim tickets, and give you your return ticket.

How long do you get to stay? That depends on you and the air courier company. Sometimes your schedule will be tight -- you may only get hours between flights. Other times, you'll have a day or two. Obviously, as your reputation increases and the companies you work for know that they can rely on you, you have more room for negotiating.

There are several ways to get started. There are actually companies who recruit air couriers, and the fees for joining are usually nominal. The benefits of going through a certified company can be many. For example, they often provide information that it could take you a long time to figure out on your own. They also offer forums, newsletters and other resources to help you succeed. Because they have built a reputation, you might find it easier to get started in the business by working for one of them at first.

But, you can also find the information completely on your own, and start off freelancing. Look in the yellow pages for air couriers that are located near your local airport. Figure out where you'd like to travel to, and make a list of the locations they serve. Because there are companies who transport items both internationally or just within the states, where you travel is largely going to be a matter of personal choice.

Also, make sure that you investigate each company before applying with them. You want to make sure that they are a solid business, with a good reputation. Once you've narrowed down your choices, get on the phone, and find out what their application process is. Many companies today prefer that you apply online. Whatever the process is, make sure that you provide them with all the information they request.

Timely tip: After submitting your application, follow up with a thank-you letter, on your new "company" letterhead. Remind them of your availability, that you can accept short or no notice flights. Find a way to position yourself above that of the other couriers.

Once you've gone through the process the first time, you'll have a much better idea about which other companies you want to apply to and how to hone your interview skills. (So don't make your first application with the biggest company that you want to work for the most.) Obviously, if you limit yourself to one or two companies, you'll also be limiting the amount of work you'll get and the locations you can travel to.

Timely Tip: Put together a database of the companies you've applied to, the date you applied, and contact information. Follow up with the company regularly, but don't be a pest.

Once you've been hired, don't be surprised if you start getting calls within the first couple of weeks. There is a growing need for professional, responsible air couriers.

Here are some things to keep in mind when you start working:

1. Be professional. Remember that while shorts and flip flops may be comfortable for vacationers, you're working and representing the air courier company.

2. Often the only baggage you get to take with you is hand carried. Invest in microfiber clothing in basic colors, and learn to pack essentials only. If you do get to stay for longer than a few days, you can always pick up some essentials once you're there.

3. Give your own business card to the company representative in the country you travel to, and make sure that your email and voice mail information is included.

4. Apply to all the companies you've decided you want to work for, and then follow up with the ones that haven't contacted you regularly -- perhaps a polite letter or even a one-page newsletter that lists the latest on industry related news.

5. Stay organized. Don't over commit yourself, and try never to have to cancel a trip.

Starting your own air courier service is a great way to make money and see the world.

Here it is again the end of the relaxing summer. Here comes the bills for school, back to school accessories, the count down to the holiday gifts and the searching out of that perfect holiday getaway. The common theme is Money and plenty of it. There was a time when any business just needed a sign outside their door and poof, people came in to buy from you. Twenty or thirty years ago it was unheard of for a lawyer, doctor, dentist and accountant to advertise for business. These were safe professions. Get into grad school and you were set for a comfortable life. Those days are over! Welcome to the cold hard life of the twenty first century.

Yes there is competition these days in every field but the successful people are those who don't sit back and get complacent. What this means today is that you must reward your present customers and give them a reason to stay with you and also entice new customers to give you a try. The first problem is dealing with your existing customers. Never take a customer for granted. A long with great service people appreciate when you let them know they are special and not just a number. Salespeople used to take customers out to lunch. Outside of a handful of people, most people I know have incorporated their lunch hour into their standard working hours. If you do take a lunch, chances are it is a quick one and you're back to the office or doing some personal errands. How then do you thank your existing customers. The market for promotional products has exploded in the last 15 years. Buying buyers today is not acceptable, what is acceptable is giving them branded gifts or moderate token gifts at periodic times like holiday periods or product launches.

If you want to get into the game, you must come up with clever give away which is useful to the recepient and which doesn't scream your compnay name to the point that they won't use it. The most repeat impact you can have is with coffee mugs or calendars. Even with computer programs a lot of people still like to have a nice agenda where they can write important names, that won't be wiped out with a computer virus. There are literally close to one million different items available. How about giving out a thank you gift for long time patronage. Think of something personal they might like and have the packaging branded, either with a label or custom bag or box. Today the biggest companies, The Gap, Sharper Image, Coach, Movado, Mont Blanc, American Apparel, Bella, Cutter and Buck, Cross, and Nike are all in the promotional product industry. Hotels have gotten in the act giving their better clients umbrellas when it's raining and customized chocolates on their bed before they retire. Going the extra mile really does help you retain your customer. Everybody must be competitive but you don't have to be the cheapest. People remember the nice touches.

The second use is to attract new customers. Here you have the conventional way of advertising, newspapers, magazines, flyers, direct mail and cold calling. These are effective but tend to be expensive and the return rate you get for your investment tends to be low. A mass mailer with a response rate of 1.5% is considered a success. Consider for a moment that 98.5% of the people ignored your message. For the large companies it's built into their advertising budgets. Tricks for medium and small business are to target smaller more defined prospects and spend more per prospect. The overall cost of your campaign will be much smaller and the response rate can be as high as 10 to 15%. An effective way to peak interest is to offer a specific discount to some or to come up with a contest with a prize where no purchase is neccessary. Contests are fun, people always like to win something and win or lose they tend to remember your company's name or message associated with the contest. Today there are exciting ways to hold a contest on the web. People like the annonimity, have the freedon to register on their timetable and tend to see all the other stuff you have on your web site. Create your website in a way like an IKEA store, where the customer must see all your product before they can leave.

Other ways to capture this defined prospect market is to have give aways at industry conventions. The captive market are your ideal customers. Firstly give aways bring people to your booth and secondly nice give aways are retained in their possession for a long time, reinforcing your company name. There are products today to meet any budget and are well worth the investment. if you land 1 or 2 good customers because of the promotional product it tends to pay for itself, ten fold at least. Best of luck with your magic wand.

Recently I met some business coaches for a self-run seminar on business improvement. Our aim was to explore how we help SME clients to improve their businesses, contrasting and comparing our approaches. As we shared our client experiences, we noticed there were basic four approaches that we follow with variations to suit a specific small business:

Moore’s Law

Gordan Moore noticed that there are trends in technology: IT hardware performance doubles every two years; the price of technology halves as the cumulative sales double; and the number of World Wide Web pages doubles every nine months. If you look out for the market trends that will impact your products and services, you can focus your business improvement efforts where the trends will help you to improve what you offer your customers.

Kaizan

Kaizan groups break down your business processes into components that you can monitor for performance. Within the measurements, the group seek instances of best performance that if adopted generally could improve the performance of the whole business. You could extend this by seeking out best practices not just in your own company by in your suppliers and customers. When you have found how other do a process quicker, cheaper and to a better standard, you apply this benchmark to improve your own performance.

Continuous improvements

Total Quality Management looks for annual improvements using the skills and insights of your whole team. Small groups focus on a specific process, explore how it works, collect ideas to try out and then adopt the changes that improve the process. Thus you could target specific areas that you want to change this year and encourage your staff to suggest improvements. Each suggestion is treated as an experiment run as a project (with a fixed goal, fixed start and end dates, a cost and effort budget and open reporting). Where the improvement is shown to be effective, it then becomes part of the accepted practice.

Groves corollary

Andy Groves believed "only the paranoid survive" so he created competitive pressures on his company before his competitors did. In this approach, you watch your competitors constantly, check their performance levels, assess their products and improve before they do. A success is when you recognise new opportunities and develop the capability to exploit it before others do.

Time and time again, small business owners are caught trying to convince some one else to back their business idea without demonstrating a high level of confidence in their idea as measured by their own hard dollar contribution. I know the off set is to point out the strength of your idea backed by the time, effort and expertise you're going to supply. But, if you won't or can't put your own money where your mouth is you just might have trouble raising money for your "can't lose" small business idea.

As you reach out to various sources of funding you might want to acknowledge the your level of financial contribution as you approach others. Just letting people know that beyond the brilliant business idea you're proposing they invest in is a solid, well thought our business plan is a good starting point. When potential lenders sense you understand the need to demonstrate how your small business idea is going to make a profit and return their capital with interest they will be more willing to entertain investing in your business idea.

If you can't provide a significant hard dollar amount of money you have to work even harder at developing a workable business plan with a clear set of projections about how and when you'll be into a positive cash flow position and you can begin your loan pay back. An investor wants to know you're invested in your small business idea enough to supply all the required facts and figures for them to make a sound financial decision. It's not enough to tell a potential investor how much you care about your small business idea. They need to see evidence that you took enough care in the development of your business plan to satisfy their need to know. An investor needs to know enough to make a sound financial decision. All the "sweat equity" in the world is not enough to off set a poorly researched business idea.

The flip side of the same coin is the fact that regardless of the amount of money you'll be putting into your small business idea to make it successful, you'll be fully invested in the daily effort of the business. That alone should give you cause to do everything possible to make sure your business idea has every possible chance of succeeding. Why in the world would start a small business without making sure everything was top notch.

So the question is not so much about how much money you're going to invest in your small business idea. It's more a question of whether you're invested in your small business idea to the point that you've given it enough to demonstrate you're sold out to the idea so you're investor can buy into it.

Each day there are multiple individuals who think about developing their own small business. A small business can include selling merchandise or offering personal services. With a goal and a great business plan it is possible to develop a small business, but due to financial reasons may business owners make the decision to work from home. Owing and operating a small business from home has its advantages, but there are disadvantages as well.

One of the biggest disadvantages to developing a small business from home is how it looks to other people. It is hard to explain why, but there are some people in the world who have a difficult time understanding that it is possible to work from home. A common myth associated with home workers is that they don’t always work when they should be. Of course this myth is untrue, but it could have a negative impact on your business.

There are many cases where a customer will not be able to tell whether or not a small business is being operated out of a home. If items are being mailed to and from a small business then the mailing address might give the business location away. Before going any farther it is important to note that not all people have a problem doing business with a company that is home operated, but there are some who do. To prevent your home business address from becoming a problem you could use a mail forwarding service.

A mail forwarding service is a service that is typically offered by an individual or company that specializes in promoting a healthy link between businesses and clients. Each mail forwarding service is likely to differ; however, many mail forwarding services are able to give a home based small business owner a new business address. This address will likely to be an address for a large city, which is something that may appeal to many clients. Having an address in a large city may allow you shed the working from home image.

Providing a new address is not the only aspect of a mail forwarding service. Since you are using an address that you are not located at you may wonder how your mail will get to you. This is where the forwarding part comes in. The individual or company running the mail forwarding service will forward your mail to your real address where you will be able to receive it with only a day few days delay. The exact amount of delay it will take for you to get your mail will all depend on how far away you are located from the mail forwarding service.

As a small business owner you must take the appropriate steps to protect your business and its assets. That is why it is important to considering using a mail forwarding service, especially if you are a small business owner who works from home.

A thriving business needs to grow or it stagnates and may even fail. But what does it mean to grow a healthy business?

First, understand that growing revenues is a necessary but not sufficient aspect of growth. Thinking of growth exclusively in terms of revenue is like dumping fertilizer on a garden without watering or weeding it. Inevitably, the crop dies.

Second, growth is iterative. The process is repeated over and over again. In this sense there is no first or last step. Still, you can posit a starting point, a platform from which you begin and to which you return to measure your progress, assess your direction, and refine your vision.

One way to posit a meaningful starting point is to assess current reality and how it differs from what you intend to create. What are you experiencing now? What is working? Where are you dissatisfied? Look at both external, measurable factors such as sales, prospects, productivity, and experiential and qualitative factors such as engagement, enthusiasm, creativity.

Examine your motives for wanting new growth. Are you dissatisfied with current reality? Do you sense that something new wants to come into being? Are you feeling impelled by a creative drive? By boredom? Fear? Competition? Envy? List your motives without censoring them so that you can understand what is really true for you. Every motive is an expression of a sort of worldview. If you repress or misstate your motives, you are the prisoner of their worldview and unable to examine the underlying beliefs.

With your motives clearly in mind, take a look at how you are doing now. Measure how many clients you have, how much income you are earning, how much time you are spending delivering services, marketing, and administering your business. Review feedback from clients and look at what others in your field are doing that you admire. Talk to your employees, or rather, listen to them. What is the turnover rate? How happy are they? How engaged?

Look at how much you enjoying your work. What aspects of it bring the most joy? What sorts of clients or customers seem to benefit most from what you do and who you are? Where is the sweet spot where you add the most value with the least struggle? What are the key intangible sources of energy and inspiration? Again, ask your employees the same questions.

As you gather the qualitative and quantitative data about your business, reflect on the circumstances and choices that shaped these results. What were your goals six months or a year ago? What personal and professional factors have been at play since your last business assessment? ? What forces in the marketplace affected your decisions and your results? What were your aspirations and assumptions? Notice how current reality correlates with thinking, beliefs, practices, and intentions that were in place three, six, or nine months ago.

As a business coach, December and January are months when I help lots of business people with their stress management. The festive season comes round every year without fail yet many small businesses seem to be surprised by it every year.

Following a particularly bad time when he not only under-stocked his inventory and lost sales but also failed to relax for Christmas Day, one of my clients created this festive checklist to ensure that he could enjoy all his future holiday breaks properly.

Set yourself a goal of planning ahead

* Predict your expected demand levels from what happened during the last festive sales season.
* Hire temps to meet seasonal demand without adding to your long-term costs.
* Plan your cash flow through the holiday period and organise stand-by funding to boost your working capital in case your sales peak.
* Send greetings cards to your best customers, remind them what you offer, and tell them your closure times.
* Ask your suppliers which days they close and their arrangements for late deliveries.
* Check how the late supply deliveries might impacts the service you offer your own customers.
* Find out the arrangements for postal collections and for banking before the holiday and into the New Year.

Ensure that you can deliver your promises

* Check your stock levels, note which is stock seasonal and would have to be sold cheap if you over-stock.
* Don’t over-trade or accept contracts that you cannot meet because this will damage your image.
* Prioritise regular customers because they provide loyal custom throughout the year.
* Pre-book a reliable company to deliver your customers’ goods because holiday gifts that arrive late will damage your reputation.

Schedule how you will close down cleanly

* Clear your paperwork before you break: post your cheques and money transfers for prompt bill payment during the holiday period and send out your own invoices to get prompt payment from your customers.
* Check your security procedures and brief your key holders before you close down.
* Agree a roster to update your answer machine regularly. (How burglars rejoice when automated email or phone responses say “everyone’s away, come round anytime you like”.)

And organise your relaxation

* Organise a staff party to show how you value the hard work of your team.
* Give out awards and presents to boost staff morale, reward loyalty and encourage team spirit.
* Make time to relax with your family and recover before the New Year.

Use your quiet time for forward planning

* Review how this year has treated you, how you did against your business goals, how you exceeded your marketing plan and how your business is growing.
* Reflect on what you want to change in the next 12 months.
* Plan your large tasks in small steps - setting the long term goals and creating milestones and stepping stones to reach the goals in a reasonable timescale.
* Plan your own training and self development to take place when your sales tend to be quiet after the holidays.

If I was coaching you, I would encourage you to re-write this checklist in your own words, to make it reflect your own business issues. Then pin it up in a prominent place so you and your staff are aware of the list. This will help you to tick off each item as your achieve it.

Then you can return refreshed to your small business, you can start the year afresh, ready to serve your customers to the best of your ability.