Author: anwaryusef

Anwar Y. Dunbar is a Regulatory Scientist. Being a naturally curious person, he is also a student of all things. He earned his Ph.D. in Pharmacology from the University of Michigan and his Bachelor’s Degree in General Biology from Johnson C. Smith University (JCSU). Prior to starting the Big Words Blog Site, Anwar published and contributed to numerous research articles in competitive scientific journals reporting on his research from graduate school and postdoctoral years. After falling in love with writing, he contributed to the now defunct Examiner.com, and the Edvocate where he regularly wrote about: Education-related stories/topics, Science, Technology, Engineering and Mathematics (STEM), Financial Literacy; as well as conducted interviews with notable individuals such as actor and author Hill Harper. Having many influences, one of his most notable heroes is author, intellectual and speaker, Malcolm Gladwell, author of books including Outliers and David and Goliath. Anwar has his hands in many, many activities. In addition to writing, Anwar actively mentors youth, works to spread awareness of STEM careers, serves on the Board of Directors of the Friends of the David M. Brown Arlington Planetarium, serves as Treasurer for the JCSU Washington, DC Alumni Chapter, and is active in the Dave Ramsey Financial Peace Ministry at the Alfred Street Baptist Church. He also tutors in the subjects of biology, chemistry and physics. Along with his multi-talented older brother Amahl Dunbar (designer of the Big Words logos, inventor and a plethora of other things), Anwar is a “Fanboy” and really enjoys Science-Fiction and Superhero movies including but not restricted to Captain America Civil War, Batman vs. Superman: Dawn of Justice, and Prometheus. He is a proud native of Buffalo, NY.

5 Masterful Marketing Tips For Generating Local Leads

Two focuses of my blog are Financial Literacy/Money and Business/Entrepreneurship. Most will argue that the most important part of business is not the the actual idea or service, but instead the marketing. Many entrepreneurs don’t focus on this aspect enough. The following contributed post is entitled, 5 Masterful Marketing Tips For Generating Local Leads.

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We are living in a digital age, and many companies now focus their attention on trying to reach a wider audience. However, stretching your nets further afield isn’t the only way to increase leads and sales. Learning to maximize conversions from your local demographic can be equally beneficial.

It’s easy to forget about the value of the customers on your doorstep. Here’s how to get more out of them.

1) Focus On Local SEO

The only thing better than reaching out to clients is to have them reach out to you. Even before COVID-19, a growing number of Google searches were focused on local businesses. The popularity of “near me” searches underlines the need for you to place added emphasis on local SEO. Targeting geographic search terms is essential, but you must also consider the growth of voice searches. Finally, a strong Google My Business listing will send local visibility through the roof. Traffic will soar.

2) Use Offline Marketing

Digital marketing trends are an ideal way to grow an audience and increase interest levels. However, offline marketing has a key role to play too. Many businesses rightly worry about the proposed costs. Direct mail advertising that targets local leads that have a genuine possibility of conversion can solve this issue. The healthy leads and contacts can subsequently point them towards the sales funnel. This is where personalized interactions can take success to the next level as selling practices can be tailored to them.

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3) Support The Community

Consumers don’t only judge companies based on their products. Brand image is an increasingly important feature for a socially-conscious generation. Therefore, you must do your bit for the local environment as well as the economy. Improved waste management should sit at the top of your agenda. Meanwhile, going green and supporting community causes will serve you well too. When potential leads can relate to the company and its brand message, they will be more likely to complete a purchase.

4) Be Accessible

While this step isn’t limited to local marketing, it has a telling impact on local audiences. Multichannel marketing can ignite interest in the business and its products. Sadly, it counts for very little if the leads cannot get hold of the sales staff. Social media channels can become a great portal for responding to questions. Meanwhile, call redirecting services facilitate great customer care even when you cannot afford to hire a team of agents. All contact details and information relating to your business opening hours should be clearly stated on your site too.

5) Join Forces

It’s very easy to fall into the trap of thinking gall other local businesses are your competition. But they’re not. For example, if you’ve started a PT business, it may be possible to work together with a local health food store. Your joint marketing efforts can double the visibility and professionalism. Crucially, you can share an audience without negatively impacting the sales of your partner. Marketing isn’t the only area where you can join forces. Joint orders on business services can also work wonders.

6. Use local social media groups

In addition to using email marketing to target local customers, you can also use various local media social platforms. This is where a company joins local social media groups to access in-depth information regarding their customers’ wants and desires. It also allows you to target the right customers for your products. If you want to reach a specific niche, you can do so through local social media accounts such as Facebook, or a WhatsApp group.

One reason why you should use social media to master marketing is that it can help you create a positive brand image. Besides, it can increase your brand’s awareness since today’s generation relies heavily on social media information. And the best thing about it is that you can use different channels to target customers based on your marketing goal. For instance, to increase brand awareness, you can use accounts such as Facebook, while those that want to generate leads that can result in sales should consider LinkedIn. It would be best to also look out for what channels your competitors use to select one that suits your business.

Moving Business Buildings

Three focuses of my blog are Financial Literacy/Money, Business/Entrepreneurship and Organizational and Management Discussions. Many businesses have to move locations at some point. A major key to doing so, is executing it so that operations don’t stop and profits aren’t lost. The following sponsored post is entitled, Moving Business Buildings.

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If you own a business, you may find that you are rather busy. There are issues that need your attention and things that must be taken care of. If your business is successful, you should regularly update or even consider getting a new office if need be. This can help many aspects of your company. Employees will love having an updated space to work in, and if you are looking to move you will want to try and stay local to keep your old clients. Here are a few things to look for in a new building.

Location

The location of a new building is important for the continuing success of your company. If you have outgrown your current building, then you are using a successful plan. Try to not deviate from it. If your location affects your customers or cost in a negative way, it may not be the right move for you. You want to choose a progressive path and not one that will hurt your company.

Space

If your previous building was small, look for something that is big enough now but has room to grow into. Keep in mind that your growth will be happening even as you move. When you have the extra space, you want to use it and fill it. You can get more office equipment Jackson MI, or you could make a storage room or nice break room if possible. Get the most use out of all the space as you possibly can.

Tech

When deciding whether or not to move office buildings, you need to consider your company’s technology. It can be a lot of work to move all of your equipment and reinstall it, and you’ll need to make sure you have the right infrastructure in place for it too. IT support services can help make your move a smooth one, making sure everything is set up correctly in your new location. Remember to factor in these costs as you make your decision.

Price

Have a budget when looking for new buildings. Do not go over the budget to sacrifice things that have made you successful as a company. You want to be able to have the building as a blessing and not a curse. If the building costs too much, it can cut into your profits and slow down growth.

Needing to expand as a business is a good problem to have. Be mindful to keep the same traits that made your company successful though, no matter what building you are in.

3 Tips for Raising Your Credit Score

A key focus of my blog is Financial Literacy/Money. While your credit score isn’t necessarily the be all and end all for your personal financial health depending upon your own unique circumstances, it’s definitely better to have a good score versus a bad score. If you have a lower credit score and want to raise it, it’s absolutely doable. The following sponsored post is entitled, 3 Tips for Raising Your Credit Score.

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Your credit score is important as this number is often what qualifies you for the loans you need to make big purchases. Unfortunately, many people have subpar credit score due to having too much debt. It is never too late to work on improving your credit score so if you use these three tips, you can boost your score so you can qualify for large loans in the future.

Pay Off Debt

Paying off debt is the simplest way to improve your credit score but it can be difficult to do when you live paycheck to paycheck. Start by tracking your monthly expenses and creating a budget. Then make sure you have paid all of your bills and place any extra money you have on your lowest credit card bill. Paying more than the minimum payment will help you pay off the card more quickly.

Keep Lines of Credit Upon

One of the biggest factors for your credit score is the ratio of debt to available credit. The higher this ratio is, the lower your credit score will be. For this reason, it is a good idea to keep lines of credit open even after you have paid them off. Your credit score will increase as debt goes down and you have more available credit for each of your cards.

Monitor Your Accounts for Fraudulent Charges

While most credit card companies catch large fraudulent charges to your account, they may not notice small charges that add up over time. If you aren’t monitoring your accounts, you may find yourself paying for these charges without realizing it. Make it a habit to check each of your accounts regularly so you can initiate a charge review if you have any fraudulent charges.

Improving your credit is a lengthy process but it can be done. Use these three tips to get started.

4 Ideas To Improve Waste Management For Your Company

Two key focuses of my blog are Financial Literacy/Money and Business/Entrepreneurship. When running a company or a business, one of your critical jobs in addition to selling your product or service is managing waste. In doing so you’re managing costs, which ultimately impact your profits and revenues. The following contributed post is entitled, 4 Ideas To Improve Waste Management For Your Company.

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Waste management is important for businesses for many reasons; firstly, waste equals loss of revenue, and secondly, waste compromises sustainability goals. Besides this, wasted time means loss of productivity and workplace morale. To improve waste management within your organization, these four ideas will support your progress.

1. Adopt Lean Principles

To produce less waste, companies need to adopt a strategic approach based around lean principles. Lean principles have the end goal of reducing waste by improving production processes. Lean focuses on reducing waste in seven different areas, including motion, inventory, defects, overproduction, transportation, and overprocessing.

Several different lean software packages can help businesses to reduce waste; one of the leading platforms is Pipefly. With this lean management platform, you’ll support your company to reduce errors, decrease lead time, and improve efficiency. Pipefly can support users to adhere to lean principles, beginning with ‘identifying value.’

Lean philosophy is all about using less resources while offering more value. Using Pipe Fly, you can map your value stream, create flow, establish pull, and work on continuous improvement. With all these important areas covered, you’ll greatly improve your waste management!

2. Improved Recycling Practices

To improve your waste management, it’s crucial to put highly effective recycling practices in place. When you are choosing supplies and resources, choose those that are easily recyclable and biodegradable. Materials such as plastics and cardboard are fairly simple to recycle. For materials such as e-waste or metals, you’ll need to hire specific companies and ensure that you adhere to the correct waste disposal regulations. Norstar is a great company for all your metal recycling needs; the service includes free pick up and focuses on sustainability initiatives.

3. Motivate Your Staff

Simple but true, to improve your waste management, you’ve got to motivate your staff. Create a waste reduction plan, write up new recycling policies, and train your team. It can be helpful to set goals together; having something to aim for will serve to motivate you. What’s more, creating goals as a team can improve employee satisfaction and create a stronger company culture. Once you reach your goals, it’s time to set new ones, keep going until you’ve eliminated waste from all areas of your business! To help you set goals for your business, try using apps such as ‘Goals On Track’ or ‘Habit Tracker’.

4. Vet Your Suppliers

When you’re looking to reduce waste, it’s good to vet your suppliers and see if improvements can be made. Waste includes wasted money and time as well as resources. Due to this, you’ll want to make sure you’re getting top quality items at a great price. To find the right suppliers, it can be useful to use a supplier information management database. A SIM database allows you to search for suppliers based on specific credentials, (including sustainability initiatives). Now more than ever, companies must prioritize sustainability across all areas of their business operations. With less waste, you’ll boost your profits and provide more value to your customers.

Taking Care of Yourself Under Stress

A key focus of my blog is Health/Wellness. Anyone who has battled stress knows that it’s a killer in terms of your personal health. There can be a number of potential negative outcomes when it comes to stress and thus it’s important to know how to manage it. The following contributed post is entitled, Taking Care of Yourself Under Stress.

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We all struggle with stress at one time or another. It can range from mild worry to stress that takes over our every waking thought and exhibits physical symptoms. Stress can make it hard to focus and take our enjoyment out of life. It can make it hard to work. It can affect your relationships and even your health.

Stress often comes and goes. When we’ve got a lot on at work, are busy in our personal lives or trying to cope with a global pandemic, we feel stressed out, but it doesn’t always last. As soon as things calm down, and we feel more in control, our stress levels start to relax. But this isn’t always the case. Sometimes, we’re dealing with a situation that drags on and on or seems to take over our lives completely. Perhaps living through illness or facing a case that means you need help from an Immigration Law Firm, or, a combination of things piling up, causing you to feel suffocated by your stress.

When you’re stressed out, it becomes hard to look after yourself. You might feel as though you don’t have the energy, or the interest, to practice self-care or even the most basic of personal care. But it’s important that you do. Fail to take care of yourself, and things will only get worse. Let’s take a look at some of the things that you can do to make self-care easier when you are dealing with immense stress.

Write Some Lists

Stress often makes it hard to organize your thoughts. You might be stressed out because you’ve got so much to do but feel as though you just don’t know what to do first, and the idea of adding something as small as exercising, or food shopping to your mounting to-do list can be unbearable.

Lists can help. Lists make it easier to prioritize and to manage your time. They also help things look smaller. When your tasks are written out, and you can cross things off, they might not seem so insurmountable.

If they do, write smaller lists. Focus on the things that you need to do today, writing short, easy to action lists, and worry about the rest later on.

Get Help

There’s typically more help available than you think, it’s just hard to see it when you are stressed out and tired. Ask for help from your family, friends and employer, and search online for any specific help or advice that you may need.

Focus on One Thing at a Time

If you are stressed out because you have so much to do, stop and take a step back. Focus on one task at a time, and don’t let yourself think about anything else until you are done.

Accept Feelings as they Come

Stress can cause feelings of anxiety, worry, sadness and anger. And there’s very little that you can do about it. Accept these emotions as they come, instead of trying to ignore them.

Let Yourself Laugh

Laughter is a powerful medicine and will often reduce stress and ease worry. Spend time doing things that you enjoy, with people that make you smile, and you may soon start to feel more at peace.

How Can I Make my Tacoma Seats More Comfortable?

Two focuses of my blog are Health/Wellness and Technology. Automobiles are technologies that most of use every day, which themselves incorporate numerous technologies. While automobiles’ critical systems include the power train, suspension, breaks and exhaust, the comfort of the driver is also critical the use of your vehicle. The following guest post is entitled, How Can I Make my Tacoma Seats More Comfortable?

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If you feel like your Toyota Tacoma seats are a bit rough, it can be frustrating, especially if you’re the type who regularly goes on long drives. Having uncomfortable seats can put a damper on a supposedly fun road trip and make a simple business drive more tedious. Find out how you can make the chairs in your Toyota Tacoma more comfortable and bump-free.

What Are the Common Seat Issues Concerning the Toyota Tacoma

As with any vehicle, it’s inevitable to come across specific issues. Depending on the year, there are common issues that Tacoma owners complain about with regards to seat comfortability. These include the following:

• Front seats are cramped and too close to the floor
• Floors are too high, so there’s no way to lower and raise seats
• Little headroom for tall drivers
• The car seats don’t have lumbar support
• Original Tacoma seat covers are a little less sophisticated and a bit uncomfortable

Given these concerns, there are several ways of addressing them. If the only issue you have is about the Tacoma seat covers being less elegant and comfortable, you can always have your seats refitted with customized seat covers made from leather, neoprene, or other types of luxury fabric.

However, when it comes to space problems, the solution might need a little more effort as these may require DIY repairs, upholstery of seats, and the like.

How Can I Fix My Toyota Tacoma’s Seat Height

The most common problem for older Toyota Tacoma models is the non-adjustable height of the front seats. Since the front cab’s floors are too high, so is the seat level, making the ride uncomfortable for both drivers and passengers, especially during long drives.

Fortunately, there are many ways to modify the Tacoma’s seats. You can re-adjust the height of the chairs on the front seat. If that doesn’t work, you can find scrap car seats with lumbar support and install them in your Tacoma. If you want something more manageable, you can also have custom seats built based on your taste and preferences.

On the other hand, owners of the Toyota Tacoma 2020 model do not need to worry about these concerns. The latest model now comes with electrically adjustable power seats that can significantly improve driver and passenger comfort.

How Can I Avoid Comfort Issues With My Car

The most important thing to do when purchasing a car is to consider comfort, especially if you’re more prone to take long drives. If you’re planning on buying a Toyota Tacoma, consider what other owners are saying before taking on this monumental, long-term commitment.

Ways to Provide a Safe Work Environment

Three key focuses of my blog are Career Discussions, Organizational and Management Discussions and Workplace Discussions. There’s a lot more that goes into an ideal workplace besides working in an industry that’s cutting edge in a swanky location like Silicon Valley. Workplace safety is also huge and not often considered. The following sponsored post is entitled, Ways to Provide a Safe Work Environment.

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Managing a large building is no small feat; there are tons of things you must think about on a daily basis to ensure everything runs as smoothly as possible. One of the most important aspects of maintaining a great work environment is making sure your building is a safe place for employees and visitors. Check out this article for some tips for how to ensure this.

Hire a Safety Team

A safety team can consist of just a few security guards who keep an eye out for trouble, or a large group of well-trained officers who maintain vigilance at all hours. When developing your safety team, determine whether you think your building would benefit from an armed officer Rockford IL or if you just need a general security presence. While there’s always a chance for danger, does your specific building run the risk of violent crime or are you more concerned about preventing petty theft? Figure out your specific needs and go from there.

Install a Surveillance System

Every building can benefit from having a surveillance system. With video cameras throughout the premises, you and your safety team can monitor everything and have a record of any issue that presents itself. This can help thwart potential threats, solve crimes, and even protect you and your staff from accusations of wrongdoing. Make sure you install a trustworthy security system and perform routine tests to ensure it’s working properly.

Maintain Open Communication

Another excellent means of providing a safe work environment is through maintaining a good channel for communication. Regularly check in with your employees and managers to make sure everyone feels safe, and let them know it’s their duty to report to you if anything is amiss. What better way to make sure people feel safe than by responding to their concerns?

It’s important that your building is safe; to ensure this is true, you can hire security officers, install a surveillance system, and talk with your staff often about any concerns.

The Unusual (But Healthy) Relationship Between Combat Sports and Office Work

Three focuses of my blog are Athletics/Sports, Career Discussions and Health/Wellness. There are a number of health drawbacks to office work where you’re sitting most of the day, staring a computer screens and enduring the potential stress from working with other people. A potential way to balance this out is combat sports. The following contributed post is entitled, The Unusual (But Healthy) Relationship Between Combat Sports and Office Work.

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Office workers tend to have a very mundane weekday. They get into the office, sit down for most of the day and work on stressful things from start to finish. While many people have gotten used to this kind of lifestyle, others are still struggling to cope with the boring schedule and tiring work. As such, it’s a good idea to have a hobby that you can look forward to when you get home.

Ideally, it should be able to relieve stress, help you stay active and also train you in other skills. Some people like to play video games, others like to go for a jog and some enjoy cooking. However, of all the hobbies that you could pick up, combat sports are an unusual but surprisingly good pairing for your average office worker.

Source: https://unsplash.com/photos/oLapu_IzzVA (CC0)

Combat sports come with health benefits to counteract office work

While most sports can help you counter the effects of sitting down all day, combat sports can go a step further and actually train you to become more flexible, to lose weight and also improve your muscles. In addition, learning a combat sport can teach you about self-discipline and controlling your emotions, and the techniques you learn can be used to defend yourself. While you should never learn a combat sport for the sake of hurting someone else, it’s perfectly acceptable to use the knowledge to defend you and your loved ones.

It’s also convenient to purchase training equipment. With websites like The Fight Factory, you can easily get your hands on training gear, apparel and even punching bags to keep at home. These at-home workouts are a great way to release some stress and train your body at home without needing to sign up for a gym membership. This means you can get into combat sports and reap the health benefits even if you work at home.

Combat sports can help with mental health concerns

Office environments can quickly wear down your mental health. Even thinking about being stuck in a small cubicle every day can make some people shiver in fear. On top of that, you also have to deal with snide co-workers and a pushy manager. It’s definitely not the kind of environment you want to be in for 7 hours a day. Unfortunately, many of us don’t have a choice and we force ourselves to stay with the job.

As a result of this, our mental health can quickly decline if we don’t find a hobby to anchor ourselves. This is where something like combat sports can actually help out. There’s a strong link between good mental health and combat sports. This is caused by several different factors, such as the feel-good hormone (endorphins) that you release when exercising. This isn’t a short-term impact either, but something that helps lower depression and anxiety over a long period of time. There’s also immediate stress that you can release with explosive physical activity, such as punching a training bag or lifting weights.

Lockdown May Be Over, But Your Business Is Still Vulnerable

Three focuses of my blog are Current Events, Financial Literacy/Money and Business/Entrepreneurship. We’re still in the Coronavirus/Covid-19 storm with no end in sight. Furthermore, the effects will be felt long after the storm has passed. Even in the aftermath, businesses will have to figure how to move forward. The following contributed post is entitled, Lockdown May Be Over, But Your Business Is Still Vulnerable.

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The fear and uncertainty of spring are now a distant memory. Businesses of all shapes and sizes all over the country are dusting themselves down and trying to resume a semblance of “Business As Usual”. Yet, while the lockdown may be over (for the time being at least), things are still far from back to their normal speed. You will likely be making fewer sales (unless your business name rhymes with Glamazon). You may have had to lose members of staff or radically change your operations to enable your team to work from home. You may have had to invest heavily on a physical and digital infrastructure that allows you to operate safely.

Image by Gustavo Fring via Pixabay

While it’s nothing you can’t navigate, you know better than to kid yourself. The next year and change could make or break your business. And while you should absolutely retain your sense of optimism, you also need to be aware of the very specific vulnerabilities your business faces in this challenging time…

Customers are scared to come back

While your business may be ready to receive customers now, not all customers are ready to do business. Many of your customers will have lost their jobs or at least lost a portion of their income. As such, consumer confidence is still at its lowest in years throughout much of the world. As such, you need to devote your marketing efforts to making customers know that they can return to your business without endangering their safety or their financial security.

Entice them in with promotions and targeted offers. Let them see what measures you’ve taken to keep them safe on and off-site. Establish yourself as someone they can rely on in this time of crisis.

Remote employees mean cyber security vulnerabilities

Unfortunately, times of crisis tend to mean open season for cyber criminals. And in the wake of the pandemic, they’ve been hard at work coming up with all kinds of phishing hoaxes, ransomware attacks, DDoS attacks and all manner of other nasty schemes designed to exploit vulnerable businesses. And although you may be able to protect yourself on-site, when employees are working remotely, this can create extra vulnerabilities. Work with an outsourced IT company like Levit8 IT Solutions to ensure that you’re covered on and off-site.

Cash flow is more important than ever

You’re more than likely facing a future of increased expenses and reduced sales. Which means that cash flow is more important than ever. Take your eye off the ball and you may find that you lose control of your finances resulting in unpaid vendors, late fees, charges from your bank and all manner of other avoidable costs that can further restrict your cash flow.

You need to focus on more than just staying afloat

Finally, if you’re to thrive in these punishing times, you need to focus on more than just staying alive. You need to focus on how each department’s performance metrics tie in with your broader business KPIs and goals. You need to ensure that you’re doing everything you can to maintain your profit margins and invest in Business Intelligence solutions to mine actionable insights from your data. Strategy is more important than ever. Don’t just react!

3 Ways To Avoid Bankruptcy When Starting A Small Business

Two focuses of my blog are Financial Literacy/Money and Business/Entrepreneurship. As a new business owner, you always have to watch your costs and carefully manage debt if you’re going to use it. In general, you have to keep your operations financially healthy for as long as you can. The following contributed post is entitled, 3 Ways To Avoid Bankruptcy When Starting A Small Business.

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Staring a small business can be fulfilling, exhilarating and downright stressful at times. There are a lot of things that are involved when it comes to creating something from the ground up. One of the biggest hurdles most business owners face as they are starting up is the finances. The common known phrase it takes money to make money rings true. If you are a small business owner, you may be wondering how can you avoid small business bankruptcy when the money is tight. Well, here are some useful tips to keep in mind when it comes to capital and your small business.

Have A Plan

Planning is the ticket to a stress-free life in your journey as a small business owner. Creating a business plan with clear goals, detailed steps of execution, in-depth regulations and governing of the workflow is imperative to your company’s success. Your plan will give you the blueprint for making educated decisions about where you want your business to be located, the pricing of your product or service as well as how much it costs to run your business, and what to invest in. You also want to keep in mind that when you are asking for funding, investors are going to ask for a business plan, so it is better to have one than not.

Make Sure Your Product Or Services Are Quality

There is nothing that will bankrupt your small business faster than not providing quality products or services. You want to be sure that when you launch you are providing customers with the very best your business has to offer. Cultivate a strong and authentic brand for your product or service. If you already have existing customers, maintain great relationships with them. Put your focus on reaching your target market.

It Is Ok To Borrow But Do Not Borrow Too Much

This can be tricky. There is nothing wrong with borrowing money to get your business off the ground. The issue comes when you have found yourself borrowing too much money. Then you have found yourself in a tough situation that could lead to bankruptcy. That is why being mindful of how much you need to borrow is important. In a perfect world you may have saved up a nice chunk of money that you can invest in your business, but more than likely you will have to borrow some money.

No matter what, you want to be sure that you will get a return on your investment. Keep track of the monthly interest, how many installments you will pay and for how much and the term of your loan before you decide to sign. When going over your business finances, be sure to deduct loan payments from your profits that way you can fully understand how much the loan will cost you. Once you know how much the loan will cost you, down to the penny, you will have a better handle on paying the money back.