A small business can fail for a variety of reasons, but money related issues are one of the main concerns. Even with a high-quality service or product, you will find it difficult to achieve success without a healthy cash flow to cover business expenses. Here are a few tips to help manage the finances:
A simple strategy is to set the clear financial goals for the future. This should relate to both the short-term and long-term. It can be difficult to know if a small business is reaching its targets and being successful if the financial goals aren’t determined at an early point of getting setup. In the process of setting the targets, it is useful to set a worst case and best case scenario. This will give a complete picture of how successful a business is and gives more time to take appropriate action if the desired income is not achieved.
The ability to maintain the finances is made that much easier with the right accountancy software in place. This type of software has a wide range of features and can help with tracking your financial picture, running reports on key metrics, and staying in touch with day-to-day expenses. The more advanced software can help to prepare tax forms or similar financial records. Plus, the accountancy software can significantly speed up the ability to manage the accounts, which means more time is available to work on other areas of the business.
A small business is certain to benefit from a system that prepares and delivers invoices as soon as a service or product is delivered. Staying on top of issuing the invoices means payments are regularly received for the work done without any extended delays. It can help to use software to speed up the process and automatically issue the invoices. Also, it is essential to chase up on any late payments to make sure a regular cash flow is maintained.
It helps to be ruthless with spending to avoid letting the finances get out of control. It is quite easy to spend more than intended on expensive equipment or taking on too many staff being you are really ready. The best course of action is to carefully manage the growth of the business and make sure it is reaching its targets before spending high sums on purchases or extra staff.
You may be the CEO of a new business with a lot of requests from clients or you may be an IT professional at a small firm where new infrastructure is required. No matter what position you are on right now, you need advanced technology solutions. However, you may want to keep in mind that installing and maintaining new systems can pose a challenge. So, you have to be ready to deal with this challenge. One way is to hire a dedicated employee or outsource the tasks to a good team of professionals. Given below are a few tips that can be used to organize remote tech support.
Identifying the results
First of all, what you need to do is identify your desired results. It’s important to keep in mind that each small business has its own requirements as far as tech support is concerned. So, it’s a good idea to decide on what you want to achieve. Moreover, you may want to find out about the technical issues that you may encounter. For instance, your requirements may be different if your area gets regular power outages.
Your next step is to make a list of your main IT tasks and the desired results that you want to achieve. This will help you get a better idea of your needs and choose the right type of technical support.
Choosing the provider
It’s not a good idea to take this decision without thinking a lot. You should take your time to do the research and look for the right company. The provider should have good reputation and a support plan that won’t break the bank.
Considering in-house tech support
A dedicated IT staff can help a lot provided you take into account all the important factors, such as the company size, tech challenges, and your internal and external needs related to your customers.
Considering hybrid solutions is also a great idea where you can bring a professional to handle critical issues. For other projects, you can use a remote IT support team. For instance, you can use this team to take care of emergency issues.
Investing in good software
Your business may have more than one location. Your commitments may be time-sensitive and your deliverables may be complex. Your customers or clients may be diverse with needs that keep on changing.
To meet these needs, you need to buy a reliable remote app in order to offer support to each of your client. The same app can be used by your staff to get access to important data as needed.
Consulting IT pros
If your business experiences small issues on a route basis, you can get advice from the pros whose job is to fix those issues on a daily basis. For instance, you can head to tech support forums where many pros offer advice for free of charge to those who need it. You may be amazed to know that even complicated issues can be solved with simple tricks.
It is a wonderful time for you to become an entrepreneur. If you have a dream to go from employee to entrepreneur then it can happen for you. If you feel like you are stuck in a job that is not fulfilling then you don’t have to settle for that. Job dissatisfaction can lead to you feeling empty off of the job.
Wouldn’t you love to wake up every day pumped up and excited to get your day started, instead of dreading getting out of the bed and counting the number of times you have hit the snooze button? Wouldn’t you love to make the next phase of your life more meaningful than the first phase? And wouldn’t you love to get on the path to being who you were meant to be, and doing what you love to do? If you answered “yes” then all of those things can happen for you as an entrepreneur.
There are 3 essential keys that can help you achieve entrepreneurial success.
1. Know what you are going to do to make money:
If you are going to be a successful entrepreneur it is important to know how you are going to generate income. Exactly what is your vision for entrepreneurship? Being an entrepreneur is not like having a hobby. You much be able to transform your idea to income.
2. Don’t be so quick to fire your boss:
I know you are probably so excited to transition from employee to entrepreneur that you are ready to turn in your “two weeks” notice and never look back. But is that really the best choice to make? There are many benefits to keeping your job. It is a wise idea to keep your job so that you can have money coming in to pay your bills. If you don’t have money coming in to pay your bills that is going to be very stressful, and it will be challenging for you to unleash creative entrepreneurial ideas with a stressed out mind.
It is also a wise idea to keep your job because you can use money from your job to fund your entrepreneurial vision. You can set aside a portion of your paycheck to buy things you need to launch and grow your business. It can be more beneficial for you to wait to leave your job after your business has grown and you are financially secure.
3. Don’t give up:
Being an entrepreneur is not easy and success probably won’t happen overnight. So you must be driven and have determination. Honestly, there may even be some times when you want to give up but you can’t. Have a plan for business success and keep taking action. Back your action with faith and expect amazing things to happen.
Starting a business is not for the faint of heart. When the economy is soft, and jobs are limited, entrepreneurship is often the best way for a young adult to gain practical experience in their field of choice. To be sure, it can be scary, but so can sitting around waiting for a call for an interview for that perfect position.
With that in mind, here are five tips for planning your first entrepreneurial venture.
1. Find your obsession. “Find your obsession” is different from “follow your passion.” Your passion is something you love doing. Your obsession is something you cannot live without doing. And there’s a difference. A passion is sometimes borne from a hobby, for example, photography. You may be passionate about photography, but when the pressure is on to make money with photography that passion can wane in the drudgery of the daily work. Conversely, if you are obsessive about photography, rarely will any part of the work seem like drudgery. Passion will burn out; obsession rarely does. Obsession is what you need when starting a business.
2. Decide on your operational end-game. Once you find your obsession, ask yourself this: Do you want to have a “practice” or a “business?” A “practice” is a business that is dependent on your direct involvement, whereas a “business” can become independent of your involvement and still be successful.
A “business” in this context is one where you can rely on the collective work of others you employ to produce income, or survive as an ongoing concern if you were unable to work in the business on a daily basis. It can be bought or sold regardless of your involvement.
Having a practice means it is difficult, if not impossible, to separate the work output of the business from your personal output. For example, if you have a unique skill or ability on which the income of your business rests primarily on you to do the work (e.g., an accountant, yoga instructor, consultant, or tattoo artist) you are likely to have a practice. It is unlikely this type of business could not be bought or sold without your involvement.
There’s nothing wrong with either option, but it is important to understand what kind of business operation you want five years after you start because it will shape your decisions today. If you know you are going to be happy making a living as a tattoo artist chasing your obsession, then your business decisions will be made with this in mind. However, if your goal is to have a tattoo shop with ten employees in five years, your approach needs to be different. Keep in mind that most small businesses start as practices and evolve. Moreover, those who just wanted to “do their thing” end up trying to manage a business and are no longer working at their obsession.
3. Start your business “on the side.” Many say “jump” into entrepreneurship without a net. Having done it that way many times, I suggest you do not unless you have no other choice. The financial pressure is too high for most people. The pressure to make rent payments, buy food, and put gas in your car will have you chasing business that isn’t worth your time or in your area of focus so that you can survive. You will lose focus of what you are trying to accomplish, and few obsessions can withstand that pressure. My advice: Start your business on the side if you can. Get or maintain a job to have some income flowing. You will feel less pressure and be able to stay focused on our business goals. Then strive for your “choice number” with your business income.
4. Determine your “choice number.” Your choice number is that number which allows you the opportunity to choose between going full-time with your business or continuing to work for someone else. It is easy to calculate: Add up all of your current monthly expenses (all of them, Netflix, Hulu, gas, car payments, rent, food, beer, or concert tickets), then add 25% more to that number. So, let’s say your monthly expenses add up to $1,500. Add 25% more-$375.00-for emergencies, and you are up to $1,875.00. I would suggest rounding up for a little extra cushion to $2,000. So, $2,000 would be your “choice number.” Once your business is generating $2,000 per month, you have enough money coming in to cover your monthly costs and the choice as to whether to keep your day job or go full-time into your business with some financial security is now yours. Bear in mind the choice number can fluctuate some, so remember to revise accordingly.
5. Take advantage of reputable free resources. There are many, many free resources to help new entrepreneurs. My favorite starting point is SCORE. There you can find local resources, webinars, on-demand courses, as well as other resources to help you get started. The U.S. Small Business Administrational also offers many free resources and tips. Sometimes your local community college will offer free or low-cost courses for new entrepreneurs.
Although these tips do not cover everything a new entrepreneur might need to know, they are a good starting point for planning your first step into your own business.
The demand for yoghurt within Kenya has been steadily rising since 2009. Despite this the market still stands under supplied. This is one area if well invested in, can make money plus profits monthly. The best thing about yoghurt is that it can easily be made from home.
There are many ways of making yoghurt at home. If you want to make money from homemade yoghurt you need to consider the different options to coming up with the right product. Starting at home doesn’t need much capital contrary to the belief, with as low as Kshs 15,000 you can start with the first production. You will need to invest in good kitchen ware like high quality sufurias and air tight containers to be used for storing your yoghurt. For packaging you can start with the disposable plastic cups sold in supermarkets that go for Kshs 250. A fridge would play an important role in preserving the yoghurt.
There are two main ingredients used to make yoghurt. Fresh raw milk and yoghurt extract. Fresh milk used to avoid infections. A litre of milk is Kshs 40 at the farm; you need not buy lots of milk because a litre of milk can produce a litre of yoghurt that can be sold at Kshs 220. As for the extract any type of plain yoghurt can be used from the supermarkets after which the leftover yoghurt from your first batch should be used for the next production. Other things needed include an oven or any other source of heat that can be used to keep the yoghurt warm, a whisk, thermometer that can measure up to 50.
First you need to ensure your hands are clean other than your sufuria and storage containers. Pour your milk in your boiling pan and stir continuously using the whisk to prevent the milk from pouring out the pot as is usually the case when milk boils. When the milk has reached 85Ëc, you can let it cool to about a temperature of 45Ëc before adding the yoghurt extract, preferably three scoops. This specific temperature needs to be achieved because it allows for the activation of bacteria in the extract to work on the fresh milk. Stir the extract into your milk. You can then pour the milk into your storage containers. Yoghurt usually settles best in small containers rather than big ones. Pour the yoghurt in the air tight containers and put them in a big bowl of hot water that reaches the same height as the yoghurt in the containers. This helps to keep stable the temperatures and avoid burning.
The yoghurt should then be kept in the oven for 2-4 hours at about 49 until the culturing process has taken place and achieved the desired taste. If you don’t have an oven then a small cooler box with added warm water can be used to maintain the temperatures for culturing to take place. At this point it needs to be kept in the fridge to allow for settling as it is still too liquid. Let it settle for 4-6 hours and then it would be ready for consuming with the right thickness to it.
The next step would be to get your product out into the market in order to make money. Start by packaging them in 250 ml cups and sell them at Kshs 55. You can decide to walk with your product or advertising it to your neighbours who will in turn tell others and
steadily you will have a stream of customers. If you make 10 litres of yoghurt in a day and sell all of it at Kshs 220 per litre you will be making a profit of above Kshs 1000 in a day. In a month you’ll have profits of up to Kshs 25,000 minus the expenses to reinvest into your business. You can expand your market by delivering your product to neighbouring kindergarten schools and local shops around you.
Long gone are those days when using smart phones was a part of leading a luxurious life. Nowadays, most of the tech-savvy people owns smartphones and tends to do most of the things using it. For instance, ordering foods, booking movie tickets, doing banking jobs, checking out new places to visit – everything becomes easier using an effective mobile application. eCommerce business is no exception in this case. Here is a list of 4 persuasive reasons to opt for such apps in the eCommerce business industry.
#1 Improved Brand Loyalty
Installing an app does not mean offering the users a better shopping experience only. It makes sure to build a strong bond with the brand as well. When a customer is installing an application, it means he or she has that trust on the brand and he or she is installing it so that they can continue to shop from that particular brand in future as well. The improved brand loyalty is clearly a potential sign of business growth.
#2 Secured and Easy Payment Options
Online shopping means the customers have to pay either by debit card or by credit card for the things they buy online. Now, such card details obviously involve very sensitive customer information. Hence, until and unless customers are sure that sharing such details with your brand would not do any harm, they won’t buy from you. When you devise a potent mobile app for your eCommerce business, it comes up with more secure and easier payment options than the website. Now, when the customers would find the payment options more reliable, they would buy from your brand resulting in business growth for you.
#3 Online Shopping is Easier
Today, everyone is so busy with their lives that people look for time-efficient ways to buy necessary things. Using an effective mobile application, shopping becomes remarkably easier and faster. The customers just have to scroll through the mobile screen, choose the products they want, add them to their respective shopping carts and checkout by paying the total payable amount. Only a few clicks are enough to get what they want to buy and they can shop anytime they want. Thus, doing shopping using various eCommerce mobile apps is becoming extremely popular.
#4 Better Customer Relationship
This is an undeniable fact that an effective mobile eCommerce app is capable of maintaining better customer relationship. The more you can interact with your customers, the more they would be able to state their issues on your services or products and thus, you can improve those shortcomings. It would definitely help you to enhance quality of your services. Moreover, if the customers have any kind of queries, with the help of the effective interaction system available in the mobile app, they can state it and according to that, you can reciprocate to it. Thus, you can make your customers happy and satisfied and that is indication of business prosperity.
According to a recently made survey, the rate of online shopping using mobile apps is increasing following an exponential graph. Hence, this is clearly understandable that this is the new market trend. Hence, to cope up with the trend and to sustain successfully in this competing business market, an eCommerce business needs a dynamic and potent mobile application.
There are few businesses in the world today that do not rely on some form of marketing. It is also true that few people do not own and work on computers. Even young children are exposed to the world of computers and the benefits of how the global village operates.
Therefore it is a clever idea to use promotional USB drives for potential clients to remember you and your business by. The typical USB drive is used instead of the older floppy discs and CD’s for purposes of storing information. Because virtually everybody uses a computer, whether it is a PC or the desk top variety, few people these days make use of older, traditional filing systems.
People store information on the USB, because it is portable, easy to use on any computer or device with the appropriate USB port. These drives store so much more information than the older devices such as floppy discs, for example, were capable of. Therefore, next time you want to distribute items for free, consider promotional USB drives because almost everybody has good use for them.
They are also extremely versatile in terms of the data you want to store and you can rewrite most of them very easily. Therefore, to promote your business, think of this as a gift to those that you want to remember you and your business or organisation in future. Because they are so small and light it is easy to remove them from computers and use them wherever you want. They are also quite durable if you look after them and will therefore last for a long time.
When you want to distribute promotional USB drives you may find that they are popular among a wide variety of people. Some will use them for storing business related data, others for music and games – this is true especially for younger people and children. It is so easy to keep them – they can even be attached to a key-holder if you want yours nearby all the time.
Because so many people have use for them, the marketer or company that wants to hand out something useful may consider the USB. Not only are they not too expensive, they are useful and will certainly help the recipient to remember you, your name, organisation or firm. And that is what you want.
You want to use the promotional USB drive to leave a lasting impression. Make sure you have your logo, or, at the very least, your contact details and name of your company’s website engraved on the USB.
Get a company with experience, someone that gets involved in designing and manufacturing of promotional items on a regular basis, to advise you, to assist you. This company may point you in the right direction and may even be able to do this for you at a very reasonable rate.
To distribute them does not have to be a problem either. You will obviously hand these promotional USB drives to people that may become potential clients or customers for your business or organisation. One way of doing this is to hand these items personally, face to face, to those people whose custom you are looking for.
Other ways of getting them out to those whose attention you want, is to think of places where lots of people gather. There are sports meets at clubs, your children’s school – with the headmaster’s permission – and community gatherings. What counts is not how expensive the item is; you want to make an impression – even with something quite affordable such as a promotional USB drive.
Find out from the company whose help you employ in terms of getting these drives ready for you what the cheapest – yet effective – drives are and see what deals they offer you in terms of manufacturing, adding logo’s and contact details.
Some may even help with distribution. Look around for the company that will best address your needs. Most of them advertise their services on the internet these days. Ensure you compete with others: distribute promotional items that you and your business, and your business’ name, will benefit from.
We’re at that time of year again where we’re in a swirl of activities around the holidays, but every business leader understands that this is the time he or she should be looking to ensure next year’s success. Marketing is an essential aspect of any group or organization, and in the digital era, it’s critical that you provide your team is focusing on the following as we soon speed into 2018.
Customers do not want to be sold. No one likes being sold. The best marketers know that the way to “sell” is to connect first emotionally and consumers will then work to rationalize their decision to buy. The public is used to being told a story since the beginning of human existence, and storytelling in the digital age is no different in wanting to elicit an emotional connection. However, in today’s world, businesses are relying on data to inform them as to what resonates with consumers and what is falling flat. Your company or organization can create short video ads on platforms like Facebook that tell a story, deliver value and peak interest.
Original Media Series
Communicating with consumers now is about entertainment. People are pulled in thousands of directions, and everyone is vying for their attention. So, one of the best things you can do is to develop a series and keep them coming back from one part of the story to the next. If you’re looking to create an original and entertaining media series, consider various platforms since your audience will be found in different media. You can think of podcasts and social media channels, and you should also think about creating content that is delivered in multiple ways, such as text, audio, and video. Once you decide the strategies, you will be using, create custom content, and get creative. You can even develop a fictional series with characters that help convey your work in a fun and engaging way. One of the reasons to do a fictional original media series is that it can remain relevant even for an extended period after publication.
Personalized Website Experiences
The power of data, AI and algorithms mean that consumers are used to a more personalized and interactive experience. When consumers enter into your website or digital storefront, it’s all about the experience. Your site has to reflect who you are, but it also has to ensure that they have a fantastic experience. It is now essential for your business to greet your customers and audience in a unique and in as much of a personal way as possible. You can achieve this by having live contact and information forms, members-only sections to your site or even ways for customers to experience your products or services.
Third Party Entry Points
Businesses have started to offer value-add and their products on platforms that are not associated with their companies. Partnerships between companies that have a natural alignment are serving as platforms to leverage and amplify marketing opportunities. For instance, when a consumer purchases a product or service, they may receive a call to action about a partner. Or a partner will provide a bundle of information of another company free on their site or a discount for another company’s products or services. Both businesses have an opportunity in this way to broaden their reach and expand their audience base.
One-Click Payment Options
Customers are seeking to have the most fluid experience possible with websites they visit. Therefore, businesses, particularly with more expensive products and services, are creating experiences that invite consumers to join a membership program. For instance, input all of their information–including credit cards–and then have the opportunity to purchase what they want and when they want it with a single click of the button. One click financing integration is not only beneficial for the customer, but also for the business it will lower the incidences of fraud and charge-backs.
Most business owners are looking for solutions that can help them. Most of the services they look for tend to help them with their financial issues. Fortunately, most financial institutions can provide you different services like bank guarantee funding. But, there are cases when business owners make mistakes in choosing for such solution. To make better decisions, below are some of the mistakes you need to be aware of.
Not checking the ability of the service provider
One of the main issues with regard to bank guarantee funding solutions is some business owners do not check the ability of the service provider. As of now, bank guarantee funding solutions are very popular to business owners due to its benefits. These include fewer requirements, no collaterals as well as protection when the buyer defaults on payment. However, these benefits are compromised if service providers have insufficient ability in giving you the right services. Therefore, it is essential that you spend time checking solutions offered by providers. By doing so, you can determine which provider can offer you reliable solutions that can cater to your needs properly.
Neglecting to assess terms and conditions
The next mistake that business owners make when looking for bank guarantee funding solutions is they sometimes neglect to assess terms and conditions. Of course, before using a service or product, users need to have sufficient knowledge about its terms and conditions. Sadly, when opting for funding solutions, some business owners do not have time in assessing terms and conditions. As a result, there are cases when these services can affect business performance and reputation which can reduce profits. So, it is best that you check terms and conditions. Checking terms can also help you gain better advantages from such services and it can also help you avoid legal charges that may be pressed against your business.
Opting services from brokers
Another mistake that business owners make when opting for funding solutions is they sometimes get services from brokers. Surely, getting bank guarantee funding solutions can be stressful since you need to get certain requirements. And, getting these requirements is difficult due to numerous tasks at work and limited time. Thus, some business owners decide to get solutions from brokers. Sadly, hiring third-parties can be dangerous since some of these brokers are scammers. Apart from that, in case that you attain such solutions from bankers, you need to pay expensive rates. To avoid this, it is best that you or perhaps let an employee do this task.
Forgetting to create a backup
Finally, when opting for funding solutions like bank guarantees, business owners also fail to create a backup. Bank guarantees can provide you with amazing services. Plus, by working with reliable providers, you can reduce risks. However, there are still instances when you may experience certain issues that may affect your ventures. Therefore, it is imperative that you have a backup plan. Luckily, there are bank guarantee providers who offer other solutions for your business which can definitely protect your finances.
On developing YOUR unique expression through business to reflect an elegant simplicity with depth and meaning.
1. Be Nimble
Take a page from the tech startup playbook, and adopt a “Rapid Prototyping” mindset.
You’ve gotta start somewhere, and you won’t know until you take the action, see the results, and learn from real reactions from real people.
Don’t chase your tail in circles, waiting for all those marketing exercises to look perfect. Stop thinking if you get the approval of some business coach, your business will be bulletproof.
Hone in on your genius by doing good work… and see where you excel.
Be willing to pivot. Commit to excellence, not convenience.
Don’t get too attached just because you’ve invested time and money in some training or certification. Everything builds up to a final expression that’s uniquely yours because you’re bringing to the table a one-of-a-kind combination of skills and experiences.
2. Don’t Spread Too Thin
We’ve been told a million and one things we need to “fill the funnel” – the freebies, the tripwire, the eBook, the online course, the big group program, the small group program, the private coaching, and the live event.
When those coaches break up the numbers and show you how to get to “6 figures,” it sounds pretty darn good… if you can do 7 things all at once.
Yet, chances are, you’re not a genius in delivering every single format. You may suck at some and drag your ass on others… people can smell it miles away if you aren’t excited about it.
If it’s just something to check off the list, don’t do it.
You don’t have to fill up every single “rung” of what a “business model” should look like. You don’t have to offer everything everyone is selling.
You need to find the expressions that allow you to be in your zone of genius as much as possible. And get unapologetically good at it.
3. Redefine “Leveraging”
What about “leveraging?” You may ask – because that’s another irresponsible sound byte so many are tossing around.
Irresponsible because it’s defined rather narrowly in most cases and often send us down a rabbit hole.
Think outside “leveraging = 1: many” box in the form of digital products, online courses or group programs.
(Note that you have to invest time and effort to create those content before you even get paid… there’s always an opportunity cost. Is it the best way to spend your time and genius? Have you done the work to make sure you don’t hear cricket when you launch?)
Leveraging can just simply mean that you hone your skills, get amazingly good at it, articulate the value and relevance so you can charge a premium.
4. Forget “Charge What You’re Worth”
This is my big pet peeve.
Don’t tie your self-worth with what people pay you… so disempowering.
I’ve heard coaches being told in whatever training that they’ve to charge some crazy amount per month (even if they’re just starting out)… otherwise, they’re not doing it right.
Before we talk number, let’s talk what the number is about.
It’s about what you bring to the table. It’s about how you create meaning and deliver value.
It’s about whether you can say it out loud with confidence and conscience.
Your fee is only as good as what people are willing to pay – and it depends on how confidently and genuinely you can articulate the value, and do good work to deliver above and beyond your promise.
Those who charge $10k a month, and make it worth every penny and more, didn’t start there. They deliver, and they demand a fair exchange for the value they create for their clients.
Get to work. Don’t put yourself on the pedestal. Put yourself in the trenches.
5. Get Out Of the Bubble
All the coaching, programs, and training are putting us in the echo chamber.
It took me almost a year to detox so I can hear mySELF think.
Do what’s right for you. Don’t get sucked into sound bytes and rhetoric.
We’re seeing a backlash to all the sales messages, online courses, and coaching program in this space. When everyone wants to sell you something that sounds just like the next guy, the market gets jaded, skeptical and resistant.
You need to be surer than ever what YOU and your business need at this moment before investing. It’s not “if you’re unwilling to invest in yourself (and whip out the credit card now) you can’t expect others to invest in you” rhetoric – which is selfish, fear-based BS.
It’s not just the money. It’s the TIME and mental space – if you spend time and mental space on one thing, you won’t have it for others that actually matter.
6. Be Honest With Yourself
At the end of the journey, YOU are what matters.
Enough asking your Facebook group buddies how to make your decisions. Don’t be intellectually lazy. Take responsibility.
Most people you meet along the way will eventually fall off – what you do needs to be meaningful to you.