Are You Looking thru Your Unworthy Lens?

empowering women entrepreneurs
by Chris Atley

The unworthy lens is where you see everything through the “I’m not good enough” lens.

You see the obstacles in your business, instead of the opportunities, you see the shortfalls in others and yourself instead of the positives.

This is where you get down, feel like something has to give and are completely uninspired. You get sucked into he drama instead of the light.

You cannot see through the mud and the sludge.

This is when the fear sets in. You can’t see the way out so you think you’re trapped. You feel scared that maybe you won’t hit your goals after all. Maybe you won’t reach those big dreams. Maybe you do actually suck.

You start shrinking. You show-up differently in front of clients and prospects. You’re no longer having empowered conversations because the fear of not making it becomes so strong that you become debilitated. You start making assumptions about what others are thinking. You begin to care what other people are thinking.

You have slipped into a shame spiral.

OF not being good enough, smart enough or worthy enough deep down.


This is an ego trap at it’s finest.

You already are good enough, smart enough and worthy enough. You. Just. Are. We ALL are.

We are connected at a higher level of consciousness and we are ultimately energy. We are creative beings with an unlimited universe at our fingertips to utilize. You can absolutely and without a doubt, turn the impossible into the possible.

You are not alone and you do not need to do it alone. Ask for help. Pay attention to what shows-up to support you.

Shift your focus.

Think of something in the moment that will remind you of this and help you shift your energy. Try doing something kind for someone else with no hidden agenda. Think of something you’re looking forward to. Connect, love, give. When you raise your vibration in this way, you will see the solutions that are right there for you.

Get clear on what you do want.

Shift the thinking from what’s not working to what you want instead. Stay focused on this at all costs.  What you focus on grows. You have a choice – either notice the crap, or pay attention to what you want and what’s working instead.

Stay in action.

This is where I see people falling off track the most. They get in their head and lose momentum. Tell yourself the lies of the ego just aren’t true, that you are amazing and get back on track with taking action every singe day toward your bigger mission / vision. This will help you create massive momentum.

Manage your expectations.

What rules are you telling yourself that need to be there in order to feel good enough, i.e. praise from this person, accomplishing this, etc. It’s all a lie. You already are good enough.


Do what you love and take care of yourself. This will help you to increase your confidence and connect with the infinite power we all have available to us. You are worthy and deserving, always :-)

Written by Success Speaker & Coach Chris Atley, CEO of Chris Atley LLC ~ Decisions by Design. For complimentary success tips for business and life, please visit

The Best Credit Cards Businesses Need to Stay in Business

One of the many challenges small businesses face is managing cash flow. That's why having good credit and using it wisely are essential skills.

One aspect of running a small business many new entrepreneurs underestimate is the many different schedules both accounts receivable and accounts payable have.

You've just landed a large client. Congratulations. The contract is the most lucrative your new business has ever received, so you're devoting all resources to making this client happy. That's terrific, but what if they're not going to pay you anything for 30 to 60 days? Can you afford to stay in business that long?

Your electric and gas bills are due every month. So is the rent on your office space. You need supplies. Your employees want to be paid every week or two. They have bills to pay at home.

Credit cards for businesses come with several other advantages, besides enabling you to pay bills while you journey toward the pot of gold at the end of the rainbow. They enable you to track expenses. And with rewards cards you earn extras.

However, credit cards are not free. As with all expenses, you need to compare cards to determine which one is right for your business. The Simple Dollar, a website that helps people make smarter decisions with their finances, recently dug into the industry to find the best business credit cards of 2016.

Chase Ink Plus was their top pick as the Best Overall Business Credit Card

* $95 annual fee

* No foreign transaction fees

* If you charge at least $5,000 in the first three months, you get 60,000 bonus points

* No charge for extra cards for employees

* Every $5 you spend at office supply stores and for cellphone, landline, Internet and cable TV services, you earn 5 bonus points

* For every $2 you charge at gas stations or hotels, you get 2 bonus points

* You get 1 bonus point for every $1 of other goods you buy for your business

Who are Small Business Credit Cards Good For?

Generally, they are best for small businesses, especially freelancers. However, they are also good for people who are in similar positions of having uncertain, irregular cash flow. This includes consultants, outside salespeople and financial advisors. Small business owners who need to buy a lot of office equipment and supplies can make good use of such cards. So can doctors and dentists with their own practices.

The Chase Ink Plus card is especially good for those who need to travel a lot because so many of the perks come from travel-related expenses. Besides, airlines, hotels, car rental agencies, gas stations and restaurants are all businesses that want payment upfront or immediately following your use of their services. Just like your landlord and your local supermarket, they don't want to hear about how much money you're going to get next week or next month.

Many employees travel to conduct business on behalf of their companies. They can use this credit card to pay their expenses, knowing the company will reimburse them. Their credit card bill is excellent proof of the expenses they incurred. And yet they get to keep and take advantage of the bonus points they accrue.

How to Use Credit Cards

The business credit card owner must still be careful to make certain they do not incur more expenses than they can afford.

However, sometimes important expenses come due before is received.

For example, you're a freelance graphic designer for a large company that regularly pays for freelance work at the end of the month. However, your Internet bill comes due on the 20th of the month. Without an Internet connection you cannot market your services to earn next month's money or you can't deliver the project you're now working on. Therefore, it makes sense to pay that bill when it comes due.

Maximize Total Returns

For cards such as Chase Ink that pay you bonus points that are redeemable for rewards, it can make sense to use the card even when you have the cash. Save that money to pay the bill when it comes due.

When you have a business credit card and personal card on the same platform, it can make sense to use whichever one will pay the highest rewards or cash back. But that does require greater record-keeping.

Karolina Demianczuk: 21-Yr Old Founder of a $3 Million Start-Up

Karolina Demianczuk is a Co-Founder and CEO of Spontime, a Social Networking Mobile App that has recently garnered a $3.3 million valuation and significant media attention from major European media, including Forbes, TVP and Digital Journal.

She aims to utilize technology for enhancing people’s everyday lives through friendship, communication, and in-person gatherings.

Only 21-years-old, she has already visited thirty countries around the world and lived in three, worked for organizations, such as Coca-Cola and Embassy of the Republic of Poland, earned her Master's degree from Business School and founded her own, $3mln startup.

Karolina Demianczuk is not a typical 21-year-old student. With her new startup and Master’s degree around the corner, she aspires to move Millennials out of the digital world. Her mobile application, "Spontime," aims to encourage people to spend more time together in real life.

Although hatched only six months ago, the idea has garnered a $3.3 million investor valuation and widespread attention from major European news sites, on TV shows, and in radio stations.

What inspired Karolina to pursue her entrepreneurial career, found Spontime, and bring in-person enjoyment back to people her age were her broad experiences abroad. Her first trip abroad, a trip to Greece, Karolina took at the age of six.

To this day she remembers how exciting was every new place she visited, every temple she entered, or every meal she tried. What engraved in her memory the most, however, were not beautiful sighs or views, but the orange trees. She could not believe she could pick oranges from the trees in the same way as she picks apples or pears.

That was the time when she grasped how exciting and surprising the world is. She become interested in anything unusual, different and exotic. She filled her room with cacti, petted a turtle, and spent all her free time learning foreign languages, watching Animal Planet, reading travel magazines, and dreaming about visiting all the places she read about.

Since that time Karolina has visited more than 30 countries around the world, each impacting her perception and attitude towards life. The real breakthrough, however, was her time in the U.S. At the age of 16 she left her native country, Poland, and moved to Melrose, MA, where, as a Rotary Ambassadorial Scholar, she attended American High School and lived her "American Dream" for a year.

Karolina says, “Nothing has opened my eyes so much as the year spent in the United States. American individualism, creativity, self-reliance, courage to take risks and readiness to challenge the impossible are what made this nation the greatest success in history. I left Poland as a shy, modest girl and came back as a confident woman, who knows what she wants.”

After graduating from Melrose High School with distinction, and despite getting into top American colleges, Karolina came back to Poland where education is free. She enrolled into Warsaw School of Economics, and, wanting to gather practical experience, worked for organizations such as Coca-Cola, Goodyear, or Embassy of the Republic of Poland.

Feeling the need to further discover the world, she spent a semester on a scholarship at National University of Singapore Business School, where she fell in love with Asian culture and discovered her passion for innovations and high technologies.

Karolina’s broad international experiences developed her personality and allowed her to observe lifestyle and behaviors of her peers around the world.

Karolina says, "It does not matter if we are in America, Europe, Africa or Asia. With today’s speed on life, inevitable digitalization, and globalization, it is harder to maintain real, in-person relationships. People are spending more time on their devices, forgetting about what matters the most. The essence and the quality of human to human relationship, however, cannot be fully substituted by any form of technology; technology should rather boost it."

Founding Spontime, Karolina aims to encourage young people to spend more time together in real, instead of digital world and enhancing people’s everyday lives through friendship, communication, and in-person gatherings.

She is still in disbelief that an idea hatched only six months ago has already garnered $3.3 million from investors. Since then, a powerful domino effect has taken off, with media coverage, publication coverage, and word of mouth getting Karolina’s name out there across continents. When asked about what advice she would give to other aspiring entrepreneurs, she responds:

"You are the soul and heart of your business. No one will ever have the drive and passion for your business like you will. Never forget those countless nights you missed out on sleep to ensure your idea flourished. The success depends on you and your ability to assimilate people who share in your dream. Stay persistent, demand the very best from people, harness your determination, and ignore the haters. You’re going to want to give up – do not."

Listen to Karolina's interview on Women Entrepreneurs Radio!


"Are Your Good Employee Habits Hurting Your Business?" with Executive Coach & Author Dethra U. Giles on Women Entrepreneurs Radio™

Show #371

Breaking Good Habits: Good Employee Habits That Should Not Be Taken Into Entrepreneurship,  the upcoming book by Dethra U. Giles, is a guide to help navigate aspiring entrepreneurs, start ups and current business owners along their journey of entrepreneurship.

Dethra U. Giles, a keynote speaker,  an executive coach, HR Strategist, author and the Chief Bridge Architect at ExecuPrep.  According to Dethra, she and ExecuPrep teach people how to build and cross the bridge from "I want to be" and "I am." Her proven strategies are taking her clients from "just getting by, to getting optimized" and streamlining their journey to success.

Whether speaking to a group of C-Suite executives at a national conference or consulting one on one with the owner of a manufacturing company, Ms. Giles strives to move her client's performance needle from regular to extraordinary.

Through her consulting, training and coaching, Dethra has motivated clients from the National Basketball Association, the Centers for Disease Control (CDC), the Army Corp of Engineers and the Salvation Army. Ms. Giles uses her formal business education (BA, MBA and MSCM), years of experience and Lean Six Sigma process improvement strategies to motivate, empower and celebrate her clients as they achieve their desired outcomes.

As an author of the book "Unstuck: Discovering Career Limiting Actions", the soon to be released book "Breaking Good Habits™" and many other featured articles, Ms. Giles has taken her message to the masses. She has shared her knowledge as a contributing writer on human resources and professional development topics for Today's Financial Woman, YBE, and iWorkwell publications.

She has served as adjunct faculty at the Federal Executive Institute, Georgia State University, Mercer University and as a faculty member for Goldman Sachs' 10,000 Small Businesses and the Tory Burch Foundation. According to Ms. Giles, her job is to deliver R.E.A.L. business results to her clients by optimizing performance and eliminating distractions. Though she loves her professional accomplishments she will tell you her greatest accomplishment is being a wife to Frank Giles and the mother of Jairah and Daniel Giles.

*Join Dethra on Periscope Wednesday mornings at 8:00 am for her 15-min. coaching sessions. 
Follow @dugiles on Periscope & on Twitter.

Subscribe to Women Entrepreneurs Radio™  on iTunes:

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The Balance between Writing Non-Fiction & Fiction

by Deborah A Bailey

Writing fiction and non-fiction has always been a balancing act for me.

My first “real” job was as a catalog copywriter for JC Penney. I wrote about women’s fashions and toys. Imagine having to come up with 1 or 2 sentences of copy to describe an item–including all the selling points that a customer needs to know. And it had to be engaging, not just a list of descriptions.

Making every word count ensures that you eliminate fluff and a lot of useless filler. It taught me how to write very lean, which served me well years later. After several years in catalog copywriting, I changed careers into IT, which is about as far away as you can get from writing copy.

During my time as a programmer, I didn’t write any fiction, or non-fiction for that matter. When I was a child, I’d written tons of stories, poems and even song lyrics (which still surprises me to this day). But after I went into IT, I put my creative writing on hold for a time.

The Balance Between Writing Non-fiction and Fiction

In the corporate world, my “voice” had to be more formal. Usually the “passive” voice is the way people there communicate. No direct statements that can come back to haunt you later on if anything hits the fan. Passive voice is a perfect match for corporate, but unless you want to put your readers to sleep, I wouldn’t recommend it for fiction.

Making the leap between non-fiction and fiction can feel like a leap across a canyon. Ultimately I started taking classes so I could sharpen my writing skills and learn how to structure short fiction.

But still, it was tough to let go of all the business writing rules I’d absorbed. When you document systems, usually you’re explaining how something works. Sometimes for a technical audience, sometimes not. No embellishment. Just straight facts.

What helped me bridge the gap between those two writing styles was to start a blog. Posts from that blog went into my first book, Think Like an Entrepreneur: Transforming Your Career and Taking Charge of Your Life. By that time I was also writing and publishing short stories. So, once my first non-fiction book was out there, I was ready to start working on a novel.

My first published novel, Hathor Legacy: Outcast was rewritten about 3 times, but each time through, I stripped away more of the layers standing between me and my fictional world. I had to be vulnerable when I wrote fiction. Getting into a character required me to see through their eyes. No way would I be able to maintain my distance and still make a connection with the character’s thoughts and feelings.

If there’s one big difference between fiction and non-fiction, that’s it. Distance. Writing for business requires a certain formality. You don’t get the same thing with blogs (but you might depending on the author and the audience). But with fiction (at least with genre fiction) you have to be willing to get closer. If you do that, the reader can too.

Going back and forth between a story world and “reality” isn’t as difficult if you do it regularly. Writing is one of those things that has to be done all the time. That’s how you get better. No matter what it is: short, long, non-fiction, fiction, poetry–just write it. Go with it. Once you’re writing all the time, you’ll find it’s not so much about striking a balance as it is finding the flow. But in order to get there, you’ve got to keep writing.

Copyright © 2015 - 2016 Deborah A. Bailey

Deborah A. Bailey is a writer, coach, blogger and author of several non-fiction books, novels and a short story collection. She's the creator and host of Women Entrepreneurs Radio™ , a weekly internet talk show. For more information about Deborah and her books visit her Soul of an Entrepreneur blog: or her site:

3 Dimensions of Change

by Gina Spriggs

I know I am not alone in reeling from the dramatic effects of change.

While trolling the internet, I found something about the 3 Dimensions of Change in Business, but took the liberty of applying these principles to life itself.

Why people think that “business” is separate from “personal life” is beyond me. The way you do anything is the way you do everything.

The 3 Dimensions of Change include:
1. The cause of change

2. The effects of change

3. The environments for implementing change

Cause of Change:
Often the change we experience was out of our control, and unpredicted. Whatever the cause of change is, we do best when we embrace it, and take action from your heart. Most of us rigidly cling to the past, even if it’s painful – to avoid change. Responding from your heart may not make sense, but feels right. Another thing we must all do is open up our energy field to allow change with ease. Shrinking to change doesn’t make it go away or “go back to the way things were”, it merely keeps you stuck. And that’s often painful.

Effects of Change:
If you move forward while looking back, you will eventually bump into something. The opportunity here is to ask yourself “What are the benefits of these new changes?” When you ask empowering questions to the Universe, you get empowering answers. Also, your environment contains elements that can promote or inhibit the success of change.

Change and Your Environment:
Your environment includes everything from your body, to your home…even your pets and car! Make the necessary adjustments while caring for all of these “environments.”I’m re-learning the importance of self-care these days. My schedule went from having mostly “me time”, to (what often feels like) no “me time” at all. I merely have to get up earlier, and schedule time for “just me.”

Whatever change is being initiated in your life right now, know this: You have been here before. Now, you have experience as your guide.

Trust that you did this before (whatever “this” is) and you can do it again.

Gina Spriggs is a Holistic Intuitive and Intuitive Development Mentor.She helps people (just like you) access their innate intuitive and energetic gifts and launch their legacy. Gina’s Insight Newsletter reaches thousands of subscribers.

If you are ready to discover more of you, sign up for a FREE subscription by clicking here.

Lowering Your Credit Card Processing Costs

by Ellen Cunningham of

Credit card processing is expensive, but many businesses end up paying more than they have to. The main thing to avoid when looking for lower cost credit card processing is “non-qualified” rates. Non-qualified rates are an arbitrary classification by processors that use opaque, expensive pricing models called “tiered” or “bundled” pricing.

Understanding “Non-Qualified” Rates

What happens is that the processing company sets up categories or “tiers” with different rates assigned. The “qualified” tier will have the lowest rate while the “non-qualified” tier will have the highest. Processors using this model get you to sign up by telling you the “qualified” rate, which is very low. What they don’t tell you is that they get to choose which of your transactions are charged according to which tier. So they could quote you a low rate for the “qualified” tier, but then only charge a few of your transactions at that rate. The rest of your transactions will be more expensive, because they charge them at the non-qualified rate. 

Even worse? They can change the rates or the tiers whenever they want, with or without telling you. There’s a lot of misinformation out there about qualified/non-qualified rates. Here’s the truth: it is NOT set by Visa or MasterCard. It is NOT a required part of processing costs.

Tiered pricing is a very common pricing model, but it’s also the most opaque and expensive. It should be avoided completely.

How to identify it: If you’re already processing, check your monthly statement. Look for “non-qualified”, “nqual” or “nonqual.” If you see them, you’re on a tiered pricing model and are almost certainly overpaying. Consider switching processors.

If you’re not already processing, you can usually identify it by checking the company’s website or pricing list. For tiered pricing, a processor’s website will often list a low rate with an asterisk. The asterisk text (in small print somewhere) will specify that the rate applies to qualified transactions.
The website for a fictitious company called Fuzzy Credit Card Processing shows how it might look on a real processor’s website. Here’s a screenshot from the satirical Fuzzy site, designed to educate about processing pitfalls:

Again, this is not a real processor’s website, but it’s modeled after real sites. In this common example, there is an asterisk at the end of a really low rate. Going to the text at the bottom, we immediately see the words “qualified rate.” From that alone, we know that we’d want to avoid that processor. 

Lowering Your Costs

If you’re already processing and are paying too much, you may be shopping for a new processor. While you’re doing that, remember these basics:

  • ·         Avoid “non-qualified” pricing models
  • ·         Compare the real cost, or effective rate, not the starting rate

I covered the first point in the sections above, but the second one is just as important. One of the most difficult parts of finding the right credit card processor is comparing quotes apples to apples. There’s no standardization to processing quotes, which makes it difficult to see which one is truly the lowest.
What you’ll need to do is compare what’s called the “effective rate” or the rate with ALL fees included. When you’re comparing processors, make sure to ask about monthly fees, maintenance fees, and any other fees that they don’t include in the published “rate” so you can compare the all-in effective rate.

If you don’t want to do it yourself, you can google credit card processing comparison site to use free services that will calculate the effective rates from leading processors for you so you can compare and choose easily.

Passing Fees to Customers

In all but 9 states, businesses can pass the costs of credit card processing to their customers by adding a fee, or “surcharging” the transaction. Surcharges can be added to credit card sales (NOT debit cards) to defray the costs of processing.

However, some customers are put off by the practice, and there are several rules from the credit card companies that must be followed if you surcharge cards. This infographic gives some insight into surcharging credit cards.

CardFellow is dedicated to helping entrepreneurs and small businesses pay the lowest possible amount for credit card processing. Follow us on Facebook or Twitter.

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