Gabrielle Bourne SMARTWomen

Archive for the ‘Small Business’ Category

Hi Peeps,

It is not enough for Starbucks to charge $5.00 for coffee, now they want you to spend at least $62.50 BEFORE they even give you a reward!

Starbucks Coffee rolled out their “New” rewards programme today which does not bode well for our frugal team members. The former reward programme allowed registered users of their smartphone APP or card to obtain a reward after 12 stars. In order to sweeten the pot, Starbucks would email opportunities for bonus stars for certain purchases. Users received a full year’s membership when they obtained 30 stars in a given year.

The “New” Starbucks Coffee programme states that users will only get a reward AFTER 125 stars. Users will earn 2 stars for every $1 spent. By our calculation, that is $62.50. The “Old” reward programme provided one star for ANY purchase made on the smartphone APP or card. A tall tea purchase of $1.53 would have the same star value as a $5.45 venti Mocha Frappuchino . The same tea would not be worth a full star, according to Starbucks’ “New” rewards rule. The “New” rewards programme favours those who spend MORE.

The only good news about the “New” rewards programme is that you can capitalize on an EXTRA membership year. Just make ANY purchase using your registered Starbucks’ APP or card BY MAY 2, 2016.

END.

©2016  |  Gabrielle Bourne – T.E.A.M. @gabriellebourne

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We don’t think anyone would disagree that being financially independent is a GREAT feeling! There are plenty of books about it. Television programmes promote it. Events are full of well organised topics on it. Yet, why is it that less than 20% of the population are thriving and more than half the population is barely surviving?

Finances are of a personal nature, but honest and open discussions need to happen before any “breakthrough” changes can occur. Unfortunately, some of the core financial competencies are neither taught in the classroom or at home.

Most people know the difference between expenses and revenue, BUT when equating assets to liabilities, the main stream might get lost in defining it. Simply put, assets are defined as “book value” of tangible or intangible products that can be used as a resource. Liabilities are exactly how it sounds, or what we call, “things with a price tag that needs to be paid out.” We can look at a car as an “asset,” but IF you still have debt on it, throw it in the liabilities column. The difference between the two is what is known as the “Networth.”

We don’t know what percentage of the population know their networth, but in 2010 after having conducted a focus group research of 386, a staggering 86% did not know the definition of a “networth.” One of the main reason consumer debt is back on the rise, according to Consumer Reports, is that consumers are getting more comfortable with the idea of spending money. There is nothing wrong with spending money, as we know how it can stimulate the economy, it is when spending outpaces the ability to pay back on the debt.

The 30 minute segment on “Assets and Liabilities” just scratched the surface, but in the world of finance, personal finance should precede investments, otherwise investments which should be viewed long term, will get wiped out before they are needed.

Today, whilst there are many citizens saving up for retirement in their 401(k), 403(b), Roth IRA, KEOH, there are still many withdrawing from retirement accounts at an alarming rate. Retirement accounts are the basic investment vehicles. The more advanced portfolios include stocks, mutual funds, Forex, ETFs, etc.

Many small business owners don’t realise that even well-meaning celebrities and “Captains of Industry” carry huge liabilities. ALL FORTUNE 500 companies do. They have to make up for payroll and invest back in their business. Businesses do get in trouble when the spending is not managed appropriately and “creative bookkeeping” occurs. Remember Blockbuster, Chrysler AND the fall of Enron?

Small business owners have a great challenge when it comes to creating networth for themselves and their business, and most times, the line gets blurred between personal accounting and business accounting. It is vitally important, for the long term health of the business, to keep accounting separate. SMART Business Owners also know how to “Pay themselves first.”

The concept of “SMART Women” derives from this very idea that when you apply the S.M.A.R.T. strategies for your business, profession and life, you can achieve an extraordinary human experience! “Achievement” and “Thriving” are two driving forces behind “What S.M.A.R.T. Women Know,” a program specifically designed for women by Gabrielle Bourne and the T.E.A.M. @gabriellebourne. We help women align their vision, mission, dreams and game plan for life!

Twitter contact: T.E.A.M. @gabriellebourne. Ask questions at hashtag #TEAMSOUNDOFF

©2011  |  Gabrielle Bourne – T.E.A.M. @gabriellebourne

Strategic Planning and S.M.A.R.T. Goal Setting is a practice of many highly regarded companies, businesses and even cities, yet, most of the smaller businesses and professionals don’t use or apply them.

When a business launches, there should a process to design and implement a plan that includes the business plan, the “blue print” for the business, and the strategic plan that will help the business achieve their objectives and goals. The two plans combined is a “winning” partnership as one feeds into the other and they both will support the growth of the business. Professionals looking for work or currently in a career field can also tailor these plans for their specific needs.

No plan is “perfect,” and as with anything that is on a “growth” path, it needs to be managed. This includes reviewing the plan, revising expectations and working the plan throughout the process of its “evolution.” Within the body of the plan you have the goals, but how do you effectively implement them? You make them S.M.A.R.T.

Strategist talk about making goals S.M.A.R.T. because it is the most effective way to accomplishing them. The difference between a S.M.A.R.T. Goal and just a goal is that the latter is a statement, whilst the former is a “Process.” When goals become S.M.A.R.T., they become (S)pecific, (M)easurable, (A)ttainable, (R)elevant and (T)imeframed. Goals become “visualized,” with a real date and time stamp to accomplish them. They help you become results oriented.

The concept of “SMART Women” derives from this very idea that when you apply the S.M.A.R.T. strategies for your business, profession and life, you can achieve an extraordinary human experience. “Achievement” and “Thriving” are two driving forces behind “What S.M.A.R.T. Women Know,” a program specifically designed for women by Gabrielle Bourne and the T.E.A.M. @gabriellebourne. We help woman align their vision, mission, dreams and game plan for life!

Twitter contact: T.E.A.M. @gabriellebourne. Ask questions at hashtag #TEAMSOUNDOFF

©2011  |  Gabrielle Bourne – T.E.A.M. @gabriellebourne

Hello Peeps!

We are very excited to launch this new BETA programme for women! For the next twelve (12) weeks, we have partnered with strategically SMART professionals from the USA and UK who will take “centre stage” as our Moderators and Mentors and; to lead a group of women to do amazing things in their life, their profession and their business.

“What S.M.A.R.T. Women Know” is a Programme specifically designed for women to achieve the extraordinary; create limitless possibilities and to implement strategies that will launch their vision, mission, dreams and game plan for life!

We know the “power” that exists in women. We are the nurturers, the gatherers and; the cheerleaders and supporters. We have an amazing ability to thrive, because we know what it takes to be the CEO of our household and our business.

For the next twelve (12) weeks, take a journey with us as as we unleash the “power within” to do just about anything we put our minds and hearts to accomplishing. Our Moderators and Mentors are your guides for a fulfilling life of possibilities, opportunities and accomplishments.

“What S.M.A.R.T. Women Know” is an altruistic programme developed by the T.E.A.M.@gabriellebourne to support women through their life stages. Women are great supporters of each other. In addition to our regular meet up venues, we promote a healthy dose of life with afternoon tea, spa and; day trip excursions.

Registration for this programme is closed.

Disclaimer: “What SMART Women Know” is is a sponsored, tuition-free programme, specifically designed for direct community impact.

Twitter contact: T.E.A.M. @gabriellebourne.

©2011  |  Gabrielle Bourne – T.E.A.M. @gabriellebourne