Learn to say "No" To dramatically improve your productivity and do more of things you want in your life, you have to be firm with others and let them know if you cannot, will not or are unavailable to fulfil their requests. If you constantly say "yes" to everyone else's requests you will never have time to do what you really want to. Book yourself into a self-assertiveness course to learn these skills if you feel you need to.

Do What You Do Best and Delegate Rest At work see if there are ways you can delegate tasks which would suit someone else's talents. Many office and home based workers are spending heaps of time on mundane secretarial tasks which would take a person who is trained in that area a quarter of time to undertake.

At home hire a gardener and cleaner to take care of basic household chores. It's worth investing extra dollars if you can have more free time to do what you want to.

Compliment Someone Every Day How do you feel when you receive a compliment? Make someone's day…give before you get because what goes around, comes around.

The Final Word By following these simple yet very effective ideas you'll feel good, look good and have more time to enjoy your life… and when you're enjoying life, you're happy!

The fee is based on two things, average amount per transaction and total volume for year.

When you apply for merchant status, banks evaluate your business based on its sales track record, type of business it is, your credit record, business’s credit record and your overall financial picture.

Apply for merchant status when you get your start-up financing. This accomplishes several things. First, it shows that you’ve thought ahead. And you will probably have customers that you wouldn’t have otherwise. In fact, some people don’t pay with anything but credit cards.

Second, you show you’re taking steps to minimize time and expense involved in recovering bad debts. If someone writes a bad check, for instance, it will cost you time and money to recover loss. If you swipe a customer’s credit card through a point-of-sale terminal, you can be sure you’ll get paid. The machine contacts issuing bank to authorize transaction and runs account numbers through a variety of fraud-protection procedures.

In part two of this series we will deal with objections you might get, which credit cards to accept, and check paying option.

Copyright 2004 DeFiore Enterprises