March 16, 2020

According to statistics published in 2019 by the Small Business Administration, about 20 percent of business startups fail in the first year. About half succumb to business failure within five years. By year 10, only about 33 percent survive.

It’s not enough to just deliver what you delivered last year. There is no normal anymore. To evolve and grow, keep in mind the following:

  • Disruption is the new normal. No matter your business, assume that it will be disrupted by a trend, technology, consumer or competitor. Pay attention to what your current or future customer will need and begin to test or offer that service or product now. Disrupt yourself before someone else does.
  • Niche expertise becomes more important. As ecommerce and services become more competitive, you will need your product or service to have specific capabilities or expertise. For example, rather than offering accounting advice, consider services related to the coming transfer of wealth from baby boomers to their Gen X or Millennial children.
  • Remote work. With competition comes higher costs. Consider hiring a talented remote employee without the resulting overhead expenses.
  • Data analytics are becoming critical. The hidden value of your company is the data it generates or the data you can acquire to better understand your customer. How do you know what to offer your customers next if you don’t really know what problems the customer is really trying to solve?
  • Automation/outsourcing of redundant tasks. How much of your employees’ time is spent on redundancy or repeating their tasks each week/ Outsource or automate those tasks and have employees focus on increasing your current customer service levels or generating new sales.
  • Population is aging. Over the next 15 years, 70 million baby boomers will hold tremendous financial and real estate wealth. Most will want to spend their wealth trying to live an amazing life as they try to avoid death. Analyze the research data on this group. What product or service can you offer them to help them achieve their goals?


SOURCE:, 2/24/2020

December 06, 2019
Northern Elephant Seals – Piedras Blancas, California
In the early 1990s, two dozen northern elephant seals hauled out of the Pacific Ocean to start a breeding colony at Piedras Blancas, a ragged point off the central California coast hallway between Los Angeles and San Francisco. Today, the colony numbers more than 23,000 seals scattered along 6 miles of shore during winter – the largest mainland elephant seal colony in North America.
For details, go to, where you’ll also find a webcam transmitting live images of the...
December 06, 2019
  • Report any fraud on your credit card to the FBI website, even if your bank has already voided your card.
  • Change any passwords that duplicate passwords you use on other sites. A password manager is a good investment (and some are free).
  • Don’t use debit cards, only credit cards for remote purchases; your liability is greater with debit cards.
  • When shopping online, paying with PayPal can add an additional layer of protection; it won’t reveal your card number or bank details.
  • Don’t swipe a card at the pump. Pay inside instead.
  • Set up...
November 15, 2019
Research indicates that a fifth of startups won’t make it past the first year. To give your business a shot at success, consider these tips:
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    A. Janus Yeager, 49, of Dixon, Illinois, was arrested as she motored toward home with an inflated kiddie pool on the roof of her SUV. CBS2 Chicago reported that Dixon police officers pulled Yeager over after being alerted that there were two children in the pool. Yeager told police she took the pool to a friend’s house to inflate it, then had her daughters ride inside it “to hold it down on their drive home.” Yeager was charged with two...


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