When a small business owner is developing his presence online or offline through social media, marketing, or public appearances the word he or she uses to describe his or her profession will result in his or her earning potential.

Below are three examples of how choosing one word over another will put more money in the small business owners’ bank account.

1. Artist or crafter. When a consumer hears the word crafter he or she thinks of someone who sells his or her products at flea markets and craft fairs. The consumer often sees this as a hobby for someone who is retired or just trying to earn a few extra dollars. They assume the person is self taught and the value of the item is dirt cheap. People attend craft fairs looking for a steal. When the consumer hears the word artists he or she thinks high ticket item or one of a kind. He or she automatically thinks the artist has invested heavily in his or her education and the consumer is willing to pay a premium price for the item. If you are selling quilts or handmade items you need to decide before you start your business if you are a crafter or an artist and brand yourself accordingly. An artist will be able to earn more money for his or her quilts vice the small business owner that says he or she is a crafter and sells his or her items at a craft fair.

2. Cake designer or cake decorator. A person touting him or herself as a cake decorator will not command as much money as a cake designer. A cake decorator decorates cakes that are often designed by someone else. A cake designer designs the cakes and may decorate them. A cake designer is an artist. He or she will command more for a cake that is one of a kind because of the exclusitivity that the consumer pictures in his or her head. A customer will be willing to pay more for a one of a kind cake and the bragging rights that goes with it. Anyone can purchase a cake decorated by someone at a local grocery or discount store. But, not everyone purchases a cake from a cake designer. If you are a cake designer make sure you are using the word designer to sell your art.

3. Girl Friday, Secretary, Executive Assistant or Virtual Assistant. The word secretary will have the reader or listener picturing a woman who types and answers telephones. She will typically make minimum wage. A Girl Friday will be thought of as someone who runs errands, types, answers telephones, makes reservations and does whatever is needed to assist the boss. The term Executive Assistant is often thought of as the behind the scenes person who assists the boss. Guess who earns more money? If you guessed Executive Assistant you are right. All three typically do the same job in today’s work place. They all demand being discrete and professional. Yet, the Executive Assistant demands and gets paid the higher salary. If you enjoy being a Girl Friday or a secretary I highly suggest you change your title to Virtual Assistant or Executive Assistant so that you can demand top dollar. Many Virtual Assistants earn $60-90 per hour. Virtual Assistants may work for more than one person and are often a business owner since they are an independent contractor.

Consumers are not aware of the stereotypes they apply to various professions. But, they do know what they are willing to spend when they are shopping at a flea market or craft fair. They know what they will pay for a cake at a discount store and why they will seek out a cake designer at a bakery. Small business owners also fall into the trap of paying a certain wage for a secretary regardless if he or she is performing the tasks of an Executive Assistant. Remember, specialists command more money. Choose your words carefully when describing what you do. Do not sell yourself short by using the wrong word and communicating the wrong image to the customer.

Jaynine Howard is a retired United States Marine and former psychotherapists. She is the owner of Dream Catcher Business & Life Coaching. Founded in 2006, Dream Catcher Business & Life Coaching helps business owners, nonprofits, and individuals nationally and internationally turn their dreams into wealth and success. Coach Jaynine and her team of associate coaches will help you jump start your business and life through business, career, and life coaching. Jaynine is a member of the Jacksonville-Onslow Chamber of Commerce, the Carteret Chamber of Commerce, the American Psychological Association, 24/7 Coaching, and Coachville. You can learn more about Dream Catcher Business & Life Coaching by visiting http://coachjaynine.com/blog/ or by calling 910-539-2810.

However, it has been brought to my attention that identity thieves are copying these signatures and using them. I guess I do not have a criminal mind because I never thought about that. So with that scenario buzzing around in my head I want to remind you to safe guard your signature.

Electronic signatures have become a norm and acceptable form of doing business online. If someone has your signature and is using it how will you dispute that “it isn’t your signature” when it looks exactly like your handwritten signature?

As we proceed into the Holiday Season it is important for not just business owners but consumers alike to safe guard their identity. Here are my three tips for safeguarding your signature.

1.  Remove your signature from your email, website and blog. Make it hard for an identity thief to forge your actual signature.

2.  No Forging. Do not allow your employees to “forge” your signature when you are out of the office. As a business owner take the necessary steps to designate who can represent you. This may be in the form of allowing the trusted employee to have a business credit with his or her name on it. Consult with your bank on how to set up the trusted employee to sign your checks when paying bills etc. These tips also apply to family members. We know at one time or another we have given our child our credit card to use. If you want your child to have an “emergency” credit card to use contact your credit card company so they can issue a card in your child’s name.

3. Respect. Respect your signature with the same level of security as you would your intellectual property, social security number and passwords.

My three tips for safeguarding your signature will aid you in preventing your identity from being stolen by unscrupulous people. Do not make it easy for the identity thieves. Remove your signature from your email and websites. Do not allow employees or children to forge your signature. Make the time to set up accounts so employees can conduct business legally on your behalf. Respect your signature. Hold it close and safe guard it the same as you would your birth certificate, passport, or social security number.

These three tips will help you grow your business and have a safe and happy holiday season.

Jaynine Howard is a retired United States Marine and former psychotherapist. She is the owner of Dream Catcher Business & Life Coaching. Founded in 2006, Dream Catcher Business & Life Coaching helps business owners, nonprofits, and individuals nationally and internationally turn their dreams into wealth and success. Coach Jaynine and her team of associate coaches will help you jump start your business and life through business, career, and life coaching. Jaynine is a member of the Jacksonville-Onslow Chamber of Commerce, the Carteret Chamber of Commerce, the American Psychological Association, 24/7 Coaching, and Coachville.  You can learn more about Coach Jaynine and her MYOB Fall Retreat by visiting http://myobworkshop.com/ or by calling 910-539-2810.

As I end my third year in business it is exciting to announce we have continued to grow despite the economy. In 2009, my business grew by 1900%. This month we have exceeded our gross income for 2009. My clients have also had tremendous success this past year. I contribute my success to refining my follow up procedures.

When you know how you are going to follow up, when you are going to follow up and what you are going to send or say it relieves stress and saves you time. But, most importantly it shows off your professionalism and gets you a signed contract. You must follow up and ask for the sale.

I have designed a home study course that walks you through every step of following up when you get a lead. The home study course contains a checklist for following up with leads, what to do when they say “NO”, and what to do when they say “YES” and after the contract is signed. It contains sample scripts for various objections so you can prepare what you will say. It also contains a list of resources to use for following up. A phone call or email is not your only ways to follow up. The home study course will also help you examine your fear of following up. Procrastination is fear keeping you from moving forward. You will learn to change your mindset and understand the value of following up with leads. Lastly, for those of you that prefer to have something on paper there is a follow up tracker that you can use to record the leads and the dates and times you follow up and action taken. I’ve taken the guess work out of it for you. You just need to slightly modify the home study course for your particular business.

If you are ready to put more money in your bank account and design your follow up procedures I invite you to download my home study course Put More Money In Your Bank Account: Follow Up

As a business coach, my goal for you is to help you make more money. Download your home study course today to that you can turn your dreams into reality.

Dream Catcher is a Veteran Owned and Woman Owned Business providing business and life coaching services to clients nationally and internationally. Coach Jaynine retired from the United States Marine Corps in 2002 and since then has been on a quest to assist individuals in turning their dreams into wealth and success.

Write the Right Resume – great book/service for someone who will be graduating and entering the job market www.writetherightresume.com

Attract Love Keep Love – great ebook for the person who is single and does not want to spend another holiday season alone. I met my husband after writing this book. $19.97 www.attractlovekeeplove.com

Mom’s Recipes for the Broke & Starving – ebook with over 41 main recipes and several variations that I wrote for my adult children who did not know how to grocery shop or cook. Most recipes serve a family of 4 and cost approximately $5 per recipe. This makes a great stocking stuffer for college kids. Download your copy today for $2.97  http://dld.bz/eq6F

Gift Certificates Available for Business & Life Coaching

1. You must be willing to do the unpleasant things. When you are first opening your business you probably will not have the money to pay someone to clean the bathrooms and sweep the floor. You will have to do these things yourself. You may find yourself washing windows and mowing the lawn too. If you are a Veteran Business Owner you may find yourself thinking “Wow, I’m not a Private anymore. I’m the boss, the big cheese, the big kahuna”. Well, I’m here to tell you “If you want your business to be debt free you are going to have to be the cleaning lady, window washer, and lawn service”. You may need to be the one “policing” the parking lot in order to keep it clean. Military field day has prepared you well for these tasks.

2. You must be willing to put in long hours. I know I know you have retired once and now you are ready to live life on your terms. You are ready to golf in the afternoon and go to lunch with your friends. But, if you want your business to become successful and not operate in the red you must be willing to put in the long hours. You must be the bookkeeper, marketing director, human resources director and all the other figure heads that go along with running a business. When you put in the long hours you will grow your business more quickly and then you will be able to outsource and delegate after the money is rolling in. But until then you must be willing to put in the sweat equity. Remember, no one ever drowned in their own sweat.

3. You must be willing to do whatever it takes to honor your word. As a Veteran Business Owner you understand that your word is everything. You understand that you must honor your word. As a business owner if you do not honor your word or do what you say you will do you will lose customers. You will not be in business. You must also ensure that your standards of excellence are continuous. If you run a lawn service make sure that each week you edge the sidewalks, trim the shrubs, pick up the trash and mow the lawn as outlined in your contract. Do not take shortcuts and skip one part of the service and think someone will not notice. Trust me. People do notice when you do not deliver or honor your word. McDonalds is international not because the hamburger is fabulous but because the product is consistent. You know what you are getting each time you go into a McDonalds. As a business owner you must be consistent and honor your word.

When you make the time to invest sweat equity into your business it will grow faster than if you spent your afternoon on the golf course. Business owners must be willing to invest in their business. Remember, no one ever drowned in their own sweat.

Jaynine Howard is a retired United States Marine and former psychotherapist. She is the owner of Dream Catcher Business & Life Coaching. Founded in 2006, Dream Catcher Business & Life Coaching helps business owners, nonprofits, and individuals nationally and internationally turn their dreams into wealth and success. Coach Jaynine and her team of associate coaches will help you jump start your business and life through business, career, and life coaching. Jaynine is a member of the Jacksonville-Onslow Chamber of Commerce, the Carteret Chamber of Commerce, the American Psychological Association, 24/7 Coaching, and Coachville. You can learn more about Coach Jaynine and her MYOB Fall Retreat by visiting http://myobworkshop.com/ or by calling 910-539-2810.

Conferences are a great way to network with people in your industry. You will learn from those who have already blazed the trail for you. But even better, business owners who attend conferences learn about the latest trends in their industry. You will also learn about upcoming changes in your respective industry before the changes becomes public. Conferences keep you on top of your game. They are continuing education.

Tradeshows are where you will learn about the latest technology advances in your industry. You will see what your competitors are doing and what equipment they are using. Tradeshows will let you know what is out there so when your equipment dies you know exactly what you will purchase as a replacement. You will also be able to start budgeting for the new equipment purchase. Tradeshows are to business owners what toy stores are to children. Again, tradeshows are necessary for business growth.

Retreats are a time to step away from the day to day operations of running your business. Retreats are a time to focus on growing your business. You will have the opportunity to mastermind with likeminded individuals. You will be able to let your guard down and confide in other business owners and seek their input. You cannot do this when you are at work with your employees or board of advisors. This is an entirely different environment. It is safe. You will leave inspired and re-energized. When you attend a retreat you will be investing in growing your business.

Do NOT think that spending money to attend conferences, tradeshows, and retreats is frivolous. You are not spending money on attending these events; you are investing in you and your business. You must be willing to invest in your business. You must add to your annual budget money to attend conferences, tradeshows, and retreats.  If you are not willing to invest in your business then you need to change your mindset or go get a job. Business growth is dependent upon you investing your money and energy into keeping it viable and moving forward.

When you invest in attending conferences, tradeshows, and retreats you cut down the time and money wasted on using the trial and error approach to growing your business. Attending conferences, tradeshows, and retreats allows you to tap into brain power of the attendees. It allows you to see things in a fresh new light. You will learn about new resources, new trends, and changes in the laws. You will grow personally and professionally and your business will grow too.  Conferences, tradeshows, and retreats are necessary to grow your business.

Jaynine Howard is a retired United States Marine and former psychotherapist. She is the owner of Dream Catcher Business & Life Coaching. Founded in 2006, Dream Catcher Business & Life Coaching helps business owners, nonprofits, and individuals nationally and internationally turn their dreams into wealth and success. Coach Jaynine and her team of associate coaches will help you jump start your business and life through business, career, and life coaching. Jaynine is a member of the Jacksonville-Onslow Chamber of Commerce, the Carteret Chamber of Commerce, the American Psychological Association, 24/7 Coaching, and Coachville.  You can learn more about Coach Jaynine and her MYOB Fall Retreat by visiting http://myobworkshop.com/ or by calling 910-539-2810.