If you don’t know what co-working is then let me quote from the Coworking Wiki:

“Co-working is cafe-like community/collaboration space for developers, writers and independents.
Or, it’s like this: start with a shared office and add cafe culture. Which is the opposite of most modern cafes. ”

Here is a great resource if you are looking for co-working space or even think about setting up a co-working space. More information can be found in an article by Small Biz Labs ” Nerd Values and Small Business” or “The American Prospect on Coworking; Coworking Location Map” .

It is a great way to work for yourself, bootstrapp and have a social life while working. ST.

Whilst writing the Small Business Quotation: Crisis I started thinking about the crises I have had in my business life and it it occurred to me that crises are not only unavoidable, but sometimes good for small business.

Sometimes Plan B is better than Plan A.

The question I asked myself was, why did I have these crises? For those that I can remember it is true to say “Something was not right with the way we did business, developed our product”, but once you got through it we had usually improved things.

Let me use the recent Skype outage as an example. I think everyone would agree that the recent outage was a major crisis for Skype. They had a software problem in their code, they had not know about. So after the problem was fixed Skype’s service today is better then it was before the crisis.

It really is that simple sometimes, crises are another form of progress if you learn to accept that crises are part of our everyday life, be it in business or in our private lives. It is needless to say that not all crises fall in this category, losing a loved one, having an accident, falling ill are quite different and as such also part of our lives, but they never improve things, ever.

I think we need to understand that things will go wrong, before they actually go wrong - remember Murphy’s Law - so assume the worst and do your best.

The lesson we can learn here is also one about staying focused, stick to the simple stuff, less will go wrong and you will have to deal with less crises. For the stuff you have to do, ask yourself if you can prevent it, plan for it, make it tolerable or influence any possible crisis. It is a form of disaster planning, for the everyday crises that happen in business.

You know “Business is Progress, Progress is Life and Life’s a Mess!” ST.

A few days ago I was once again reminded by Joshua Levy and his piece “One Blogger Asks: Is the Grass Really Greener on the Web Worker’s Lawn?” on his blog Web Worker Daily that I wanted to write a piece about what I believe to be the social impact of home working.

Joshua is asking some interesting questions about working from home:

So is all of this freedom actually liberating us? Does web work actually represent an evolution in the working conditions of the masses? Or are we fooling ourselves, blind to the reality that we can’t have it two ways — you can’t have the freedom AND have someone else, er, pay the bills.

If I ask myself these and other questions I’m invariably drawn to find answers in my personal work life and how it has changed in the last decade.

In 1999 I was still office based, traveled from one of our offices around the world to the next and was rarely home. In fact most of the time those years I came home Friday very late or Saturday and then often left Sunday night again. So I saw little of my family and especially my son who is now grown-up and ready to go to university.

Then in 1999 I sold my ISP-business and went back to run WinWeb. This time around I worked from home, right from the start I did not want to be in an office and lead the same life as before. So for the past eight years I have been there when my son came home from school, I even picked him up often enough. I was here when he came home with the latest music CD, I had to listen to - not always easy, I admit - or the latest sport-shoes form addidas had finally arrived at the shops.

Similarly I spend much more time with my wife, going for lunch, doing some “essential” gardening - I hated gardening, but love it now. I could give you many more examples, but you get the picture.

While there are many challenges for home workers, I believe we are seeing the beginning of an “reversal” trend. I would like to list here some challenges I believe our society is facing currently:

• Child care - in our work dominated society we often outsource most of our child-care, in kindergarten, boarding schools, and other institutions, here our children will not receive the same level of care and love they deserve and need;
• Care for the Elderly - our lifestyles often separate us from our loved ones and in times of need we are often not able to care for our relatives or friends, because we live in different cities or even countries for example;
• Environment - many of us spend hours every day alone in cars or on trains - not alone, but still isolated - and contribute to the carbon emissions that change our climate.

There are many more examples. This whole process began with the “Industrial Revolution” some 150 years ago. Some of us may even remember a time when three or even four generations of a family lived in one house. People worked in their villages, child-care or care for family “just” happened - was that a bad or good thing? Looking at single parent families and the impact on our children, I would argue it was a good thing, and so would the many parents working from home exactly for that reason - to provide a healthy family environment for their loved ones.

I believe that the whole trend of home working may in the future allow us to have a much more natural work/life balance and will reverse some of the damaging effects of the post industrial revolution changes in our society. People will live closer to family, local communities will be revived - I believe that is happening as we speak, and our children will benefit from “more family”, and all this will have a profound impact on all our lives and the environment.

I would encourage Joshua and everyone else working from home to relearn the social skills of building local friendships, or live near family and give you the social life you need.

After all, this technology we at WinWeb and others supply makes it possible to work from anywhere, gives you a tremendous amount of freedom to live the life you want, where you want.

Let’s hope in hundred years from now people will see this era not only as the “Information Age”, but also the age when we learned to live a better work/life balance, in tune with our emotional and social needs as individuals, families and society as a whole. What do you think?

Have a great weekend with your family and friends.

It seems finally people are waking up to the fact that small business and start-up business, like SOHO-, SME, SMB-, Micro-, Lifestyle-, Home-, DIY-, Hobby-, Boomer-, Professional-, Personal business wants to stay small. Small Biz Labs reports:

According to this month’s Discover Small Business Watch (a survey of small business owners with 5 or fewer employees) “69 percent of small business owners said that they prefer to have their business remain small.”

I’m still somewhat surprised it took most people that long to finally understand that it is perfectly OK to want to stay small. Question is why nobody ( apart from WinWeb) is really catering for these types of small business and personal business, like contractors, freelancer, self-employed, sole-trader and virtual assistants.

What really gets me going is when these types of small businesses get told ” It’s just like having a home job!” - dream on.

Running a business from home can be one of the most liberating and fulfilling things you have ever done in your life.

I get regular questions about what we really mean by WinWeb’s Small Business Infrastructure?

On-demand Small Business Infrastructure™ centers around the idea that business start-ups and growing small businesses need help with numerous administrative tasks that are not core to the business success - such as bookkeeping, it services, internet services, call handling and other such services.

These services - if performed by the business owner - cause a great deal of time wasting - while the fixed cost of a business is still accumulating. This is in our minds a fatally floored business model and can easily be remedied with our infrastructure approach.

We should not expect business start-ups and small business in general to be accountants, bookkeepers, lawyers, marketing & PR gurus and so on. We should provide small business with an infrastructure in which it can concentrate on core business tasks, while at the same time enabling the business owner to stay informed of all relevant business facts like cash flow, sales, HR issues, tax position and more. This will enable him / her to make informed decisions, maybe with the help of an external advisor.

Based on these facts, we have devised a six point on-demand Small Business Infrastructure™ concept, which consist of:

1. WinWeb On-Demand Software Solutions - Anywhere At Anytime.

AccountsOffice and OnlineOffice are our two software offerings, which are based on the SaaS - Software as a Services model, to allow for the following key business benefits:

• tight inclusion of business advisors from the start,
• cultivating outsourcing techniques at the outset, i.e. virtual assistants,
• no IT knowledge needed and hassle free operation,
• real-time multi-user access from anywhere, increasing mobility.

2. WinWeb 24/7 Live Support - We Are Here For You Always.

Providing customer care and support only during business hours is not acceptable to our clients. Experience has shown us that most admin work gets done by small business before nine in the morning or after five in the evening. This practice is essential if the business is to survive it’s early years.

This is why we have provided our much acclaimed customer support for 24 hours a day, seven days a week from the outset. Saving our clients wasted time and money - while setting new standards in customer support. No manuals need to be read - all problems can be solved in real-time online.

3. WinWeb Live - Networking Community for Small Business Only.

To foster collaboration and outsourcing we have expanded our WinWeb Live™ offering to allow for small business community networking - thus enabling the business owner to make decisions about his / her current needs, with the following benefits:

• timeshare virtual assistants for professional results,
• offer contracts of work to contractors on a case-by-case basis,
• promote the business to a large audience or even locally,
• find new work and contracts online

4. Business Advice

Our On-Demand Small Business Infrastructure™ enables business advisors, accountants, bookkeepers and other advisors to have a “Up Close and Personal” relationship with the small business owner, providing key elements for the success of a small business:

• timely and up-to-date advice from anywhere at anytime,
• more efficient advisor function due to SaaS technology, less travel,
• easily expandable advisor network.

5. Solution Partners

Third parties provide external services to complement our services, such as parcel service, office supply services, printing services. These and other services are provided on a bulk buy arrangements by leading businesses in their respective sectors - to provide the most reliable and up-to date service possible - with the effect of enhancing the professional appearance of our clients.

6. ClimateByte™ Technology - For A Cleaner Future.

Our clients are among the biggest demographics concerned with climate change and carbon footprint neutrality. It is a fact that employing remote working and collaboration techniques drastically reduces the damaging business side affects on our environment. We enable our clients to be more eco-friendly and aware, by providing them with our green technology - an ongoing development commitment of WinWeb.

WinWeb welcomes any suggestion that will further enhance our On-Demand Small Business Infrastructure™ concept - especially the development of even more eco-friendly business processes - to serve our small business and business start-up client-base.

It is Saturday, weekend - here in the UK a long weekend as we have public or bank holiday on Monday - for me always a time to reflect on the week gone by and of the weeks ahead. For many small business owners it’s time to work and catch up with admin or other work, but ask yourself this, “Is this what I wanted from my small business?” Or did you want to be with your family, have some time off - have a life?

This morning I was reminded of a gentleman I met almost thirty years ago while working in the US, he was from Florida and extremely wealthy. He had made all his money in nylon-stockings after the second world war. I was still looking for my first break to make my mark and money, so I asked him how he made it to become so wealthy. His answer was:

Remember always, if you work all day, then you have no time to make any money, you are too busy.

As you can well imagine, here I was, about 20 years old and this guy came out with a statement like this, I thought he was completely mad and insane. Unfortunately I was stupid enough not to ask him what he means - otherwise I would have learned one of the most important business success lessons of my business live very early on.

He was absolutely right of course, you may very well already know that. He was talking about having time to have a vision and dream, think about your small business and not about your products, standing back and getting out of the proverbial forrest, so the trees are not in the way.

So why not use this weekend, stop working and do some dreaming about what could be - nurture your vision for your small business and see where it takes you. Vision is one of the most important ingredient for small business success.

Take the time to make money - stop being so busy. But now you have to excuse me ……. Have a great weekend!

There are two ways to get better payment terms from your suppliers - make sure you know what the pricing is and negotiate the payment terms last, without warning. Most businesses do not expect small business and start-up business, like SOHO-, SME, SMB-, Micro-, Lifestyle-, Home-, DIY-, Hobby-, Boomer-, Professional-, Personal businesses to negotiate payment terms, so you have the element of surprise on your side - and it makes you look more professional.

Firstly there is the extended payment term, of 60, 90 and 180 days - see if your supplier will allow any of those terms. Even if they only give you 60 days, you can always go back after 3-4 month using this payment terms in which you have shown to be trustworthy. If it is declined and only 30 days are offered - because you have no history - then this is the perfect scenario of our second method.

Early payment discounts of 2% if you pay within 7 days. This is like a 24% p.a. discount on the invoice value, not a bad way to compensate for the overdraft interest charges from your bank.

Surly you supplier is interested in your business, and is not going to decline both offers - you win either way - if they decline, then look for a new supplier. Because you are not only helping yourself with your cash-flow, but theirs too.

As part of a bootstrapping exercise or a business start-up phase, working from home is a great way to work, so I thought of some points to consider when setting up your office, small business or personal business, like contractors, freelancer, self-employed, sole-trader and virtual assistants at home:

1. Cost - you will save a lot of money and be very eco-friendly when you decide not to rent an office, this saving can be used in other areas of your business, like marketing, better web-site or better IT.
2. Family - I suspect that many of you work from home because of your family, it allows you to be around when your kids come home from school or look after relatives, while still earning a living.
3. Commuting - again a very eco-friendly approach and saves money and time. This time can be spend on real business activities. It certainly will enhance your work/life balance and make your small business or start-up more cost efficient form day one.
4. Freedom - this may especially appeal to you if you like to work at odd hours, it will suit your lifestyle. Dress as you like it, so you will be more comfortable.
5. Healthy - if you work in an office and one of you gets ill, soon all the others are down too - not if you work from home.
6. Teamwork - chances are you need to work with other people, use online technology to collaborate with your colleagues and other team workers - they too may work from home.
7. Domestic Life - you’ll be around when the plumber finally turns up or other trades people. You can enjoy your local life more - by having a social network in your village rather than at work - this could be the return of the local community.
8. Small Business Infrastructure - use online technology to keep your data and work safe at all times without that you have to do anything, build your own virtual Small Business Team to timeshare professionals like yourself. Outsource to make your business more professional and scalable.
9. Meetings - even bigger businesses use coffee shops to meet - they often have WiFi - so can you. Make sure you plan them well, so you can be efficient with your time.
10. Eco-Friendly - you will only heat your home, no other workplace needs to be heated or air-conditioned, your energy efficiency goes up, no travel to work - so you reduce your carbon footprint enormously just by working from home.

You will need some pretty good reasons to go to an office and work. Especially for small business and start-up business, like SOHO-, SME, SMB-, Micro-, Lifestyle-, Home-, DIY-, Hobby-, Boomer-, Professional-, Personal business, you need to ask yourself if you can afford to miss out on all the above opportunities for your work and for your life?

I work from home over 90% of the time and only go to the office for meetings and I love every minute of this. I use social network communities like linkedIn to build my professional network, utilizing our online office, skype and other tools to communicate and work worldwide.

More and more of my friends work from home so we have nice “pub-lunches” locally, no traveling, less stress and a much better work/life balance - how is your work/life balance?

For more of my checklists see the Small Business Checklists category and as always please add to my list with your comments, tell us what works for you.

A couple of days ago I mentioned the excellent posting from Kathie ” Virtual Assistant or Virtual Worker” followed by my own post of yesterday “Grow your small business - success or failure will follow“. This all leads us to the next question what to do when you decided you are going to get help for your small or start-up business.

Kathie highlighted two options, the virtual worker - who like her husband works as a contractor or the virtual assistant who takes care of certain work on a timeshare basis for an indefinite amount of time. The only other option is employing staff full time into your business.

Virtual Assistants will enable you to outsource - what I call non core business processes, like bookkeeping, call handling, typing, etc. - to a professional person, well equipped to perform these tasks for you in a cost-effective manner and I do not mean cheap, I mean cost-effective. It is also noteworthy that you will not have to provide office space, work-tools, computer, heating, etc. for virtual assistants, as they usually work from home. look at it this way, you are getting a professional on a timeshare basis, and believe me when I say, having you phone answered in a professional manner makes a lot of difference to your business, or keeping up with your bookkeeping, so you know where you are - this all will make your business much more professional. Businesses and people like to do business with professionals.

Virtual workers can be from a “Temp-Agency” or a from contracting firms. These relationships are for finite projects or to fill a cap, due to permanent staff illness on a temporary basis - they are limited by time or project. So again you can afford to bring in professionals, to perform tasks for you or your clients.

Both of these relationships are good for your cost-planning because they are not fixed, permanent costs, they are variable cost, meaning, when the project is finished the contract for your temp-workers, contractors finishes too. If times are harder for your business and you need save cost it is often easier and faster to terminate a virtual assistant - but remember to explain your decision, so that when your small business is doing better again you can start working with your virtual assistant again.

Employing people full time should only be considered for “essential, ongoing and full-time” work, this way you can provide a more secure workplace for your employee and look forward to a peaceful and unstressed work environment.

Building a support network community for your small business and start-up business, like SOHO-, SME, SMB-, Micro-, Lifestyle-, Home-, DIY-, Hobby-, Boomer-, Professional-, Personal businesses is essential to your survival. Remember, the contractor you hire today, may hire you tomorrow on a project he or she is working on - networking is the way to go.

An enormous amount of personal and business information is available on the internet and in the hands of unscrupulous people it could do a lot of damage. Taking the seriousness of this matter into consideration the House of Lordsí science and technology committee published a proposal to protect people against cyber crime and hold start-up-, personal- and small business, and IT security vendors responsible.

The proposal focuses on protecting customers data and personal information. The Lords called for the setting up of an online e-crime reporting system that would include the creation of security breach notification laws and how they will be enforced.

McAfee and Datamonitor, the analyst firm, conducted a survey that included over 1400 businesses. 30% of the respondents said that a major security breach could be fatal for the business.

“We feel many of the organizations profiting from internet services now need to take their share of the responsibility. That includes the IT industry and the software vendors, the banks and internet traders, and the internet service providers,” said Lord Broers, chairman of the committee.

Small businesses, internet services, banks, software vendors and the IT industry need to start taking responsibility for e-crime and protect themselves and their customers against them. Small businesses need to consider outsourcing processes such as accounting that they aren’t comfortable handling. An online shop must take all the necessary precautions to protect its customers.

A On-Demand Small Business Infrastructure can dal with a lot of the security concern small business and start-up business, like SOHO-, SME, SMB-, Micro-, Lifestyle-, Home-, DIY-, Hobby-, Boomer-, Personal businesses must have.