Biz Blog

Business Savvy, growing your business, Uncategorized

4 Ways to Save In Running Your Business


I have found over the years that as business owners are consumed in running their business, often times they don’t know about potential money saving opportunities that are available.

As a Virtual Assistant providing business support services, it’s my job to stay up to date on the latest and greatest techniques, softwares, programs, and…. money saving opportunities that can increase my clients bottom line. Because I am based in Colorado these top “3 Ways to Save” mostly apply to Colorado companies, however most states do have similiar programs available.

Cost Containment Certification

This is a cost savings opportunity available to all businesses in The State of Colorado who pay for Worker’s Compensation. The State rewards businesses who implement a proper safety program that meets the following criteria:

* A safety policy statement
* A safety committee or coordinator
* Posted safety rules
* Consistent safety training
* A designated medical provider
* Claims management procedures
* Once a company receives certification, your workers’ compensation insurance carrier,           will apply a discount to the policy at the next renewal period after certification. A 5                 percent discount is applied to companies with:

* An experience modification rating
* Lower frequency and severity of losses for the most recent policy period      as compared with those from the previous policy period.
* If the company is not eligible for an experience modification rating: The      discount depends on the accident experience during the 12 months                before the renewal date. Discounts are awarded on the number and cost      of accidents and range from 2 percent to 10 percent.

If you have your worker’s compensation insurance through Pinnacol, they provide you with a workbook that walks you through the process as well as providing sample forms. I’ve helped several businesses with the set-up process of their Cost Containment Certification and it can save at a minimum of 5% on your worker’s compensation premiums and more. I had a client saving 13% annually on their premiums.

Enterprise Zone Tax Credit

The State of Colorado provides a range of tax credits available to businesses that are located in what they call Enterprise Zones. You can click on this link to see if you are located in one of these zones, Here are some of the available credits.

EZ – Investment Tax Credit: Providing businesses a tax credit of 3 percent for equipment purchases.

EZ – Job Training: Companies that implement a qualified job-training program for their enterprise zone employees may claim an income tax credit of 12 percent of their eligible training costs.

EZ – New Employee Credit: A tax credit offering businesses $1,100 per new job.

EZ – Agricultural Processing: A tax credit of $500 per new business facility employee may be claimed by business adding value to agricultural commodities through manufacturing or processing.

EZ- Enhanced Rural Enterprise Zone New Employee: Offers $2,000 total per new job for new businesses located within an enterprise zone.

EZ – New Employee Enhanced Ag Processor Credit: Businesses located in an enterprise zone may be eligible for a credit of $500 per new employee, if the business is an agricultural manufacturing or processing business.

EZ – Health Insurance: Offers businesses $1,000 per insured job available for the first two years in state enterprise zones.

EZ – Research and Development Tax Credit: A tax credit for businesses up to three percent, based on the increase of a company’s research and development expenditures within an enterprise zone during the previous two income tax years.

EZ – Vacant Building Rehab: Allows owners or tenants of a building in an Enterprise Zone that is at least 20 years old and that has been completely vacant for at least two years to claim a tax credit of 25 percent of the cost of rehabilitating the building for commercial use, up to $50,000.

EZ – Commercial Vehicle Investment Tax Credit: Offers businesses a state income tax credit up to 1.5 percent on commercial trucks, truck tractors, tractors, or semitrailers, as well as associated parts. Learn more.

EZ – Contribution Projects: Enterprise Zone (EZ) Contribution Projects encourage community participation and public-private partnerships to revitalize EZs. EZ Administrators may propose projects for EZ Project status to implement the economic development plan of that specific EZ. EZ Administrators work with their communities to bring forward proposals that meet the economic development needs, result in job creation/retention and business expansion, and have the support of the community. Colorado taxpayers may earn Colorado income tax credits by contributing to targeted efforts. Learn more.


Save Energy, Save Money

Throughout the U.S., everyone is interested in saving energy and money. Many local and state governments are offering programs that provide rebates, tax credits, and more. In my area, our county has a group called Garfield Clean Energy. They offer free walk through to business owners, and will help design an energy plan for you, provide coaching, and connect you with contractors. Rebates are available for up to 50% of a cost of project that will save energy according to your energy plan developed. For more information visit,

Complete an Office Systems Audit

Having an office systems audit or analysis completed takes an in-depth look at where you spend money within your business and provides an opportunity to analyze where savings can be implemented. I personally take it a step farther and look at potential increased revenue streams that might be left untapped.

Generally you review your company as a whole; your business structure, products and services offered, your target market, goals, overall efficiency, expectations, employee morale and turnover rates, training, safety, expenses, sales volumes and reports, marketing strategies, a thorough review of policy’s and procedures, processes, softwares, weaknesses, strengths, exit plan, procurement, contracts, and your future outlook.

Savings and increased revenue are almost always located in an Office Systems Audit and with the New Year coming, this might be a terrific resolution to start your New Year off with a bang.

Tina Holtz is a seasoned business professional with more than 20 years of experience in business development, business management, sales, marketing, and procurement. She is the owner of Executive Business Services, LLC and provides virtual assisting and business support services to business owners, entrepreneurs, professionals, and executives. You can reach her at 970-989-8047 or email at –


Uncategorized, Virtual Assisting

Don’t Hire an Employee. NOT YET!


First, imagine that just by reading this blog article you could save about $40,000 a year? Hmmmm. Read On.


Over the years I’ve found that the majority of small business owners need help in running their businesses but they just don’t know where to turn. Who do they call? No, not Ghostbusters :), but they should most definitely call a virtual assistant. So where can you find this awesome knowledgable professional who is super biz savvy and can help you with multiple aspects of your business? I could give you my number but I really want business owners to know that there are many virtual assistants out there in the market place just waiting to help you. However, if you do want to call me, I would love the opportunity to speak with you.

Virtual Assistants are popping up everywhere thanks to the wide use of technology. As long as I have a computer and smartphone I can work from anywhere, although I do operate my firm most of the time out of my traditional office space in beautiful Rifle, Colorado.

Truth be told, a Virtual Assistant can save you not only a ton of money, but a ton of headaches too! Believe it or not, you may be thinking you need to a hire a full time in house assistant, or a business development manager, or a marketing/sales person. I’m here to tell you, that you may not need to do that at all.

Imagine that I can save you the headache of advertising costs for the position, time in developing a job description, time in establishing work hours and figuring out how to keep that new employee busy, save you the time for interviewing, checking references, and training. That adds up to quite a bit of an investment, on average these costs total around 10% of the annual salary of that new employee. Which means if your new employee’s salary is $50,000 annually, just to hire that person will cost you around $5,000. That’s before they even really get to work. Plus you have to pay for a desk, a chair, a computer, a phone, office supplies, paid time off, worker’s compensation, unemployment, taxes, benefits, and more! PLUS all the time to track and report that information as well. That employee ends up costing you way more than $50,000 annually.


A Virtual Assistant is a true professional highly experienced in business, not only in day to day adminstrative duties, but can also be highly skilled in many other aspects as well. You want to seek a VA that aligns well with your specific needs. It’s kind of like finding a specialist with doctors, you need to ensure that your VA has the skillset you desire and need.

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A VA is an ideal solution because you only pay for their services as needed. Perhaps you only need 5 hours of assistance this week but need 20 hours next week because you have a project coming up. Not an issue. You NEVER have to worry about paying for all the stuff you do with an employee because a VA is an independent contractor. You just reach out to your VA, tell them what you need, and BAM! you have a delivered result. Most VA’s charge on average around $30.00/hr for their services, so let’s say you use your VA 10 hours a week, that equals $15,600 annually. If you consider your prospective employee’s annual salary plus all the addittional costs, this is about $40,000 savings per year! That is a huge amount of savings and money well spent for your business.

If you’d like to speak more about virtual assisting, please contact me today.

Tina~Miss Executive




Top 5 reasons you need a Dun & Bradstreet # for your Biz

Dun & Bradstreet. Most small to mid-sized companies have heard of Dun & Bradstreet but many still don’t truly understand what it is, how it works, or why you need them. I’ll admit that I think Dun & Bradstreet’s sales calls and representatives are extremely pushy and sometimes just down right hard to deal with because they don’t like taking no for an answer when they want you to sign up for their services. However, having a Dun & Bradstreet number can be very, very important to your business. Here’s the top 5 reasons you need a Dun & Bradstreet Number for your business.

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1.) Having a Dun & Bradstreet number creates and defines separation from your personal credit and business credit. Stop using your personal credit for the business. Increase your ability to qualify for better loans, negotiate lower interest rates from financial institutions, and no longer have to personally gaurantee every loan.

2.) Define your company for the professional business it is and join the global network of businesses who rely upon Dun & Bradstreet for streamling their operations, analytics, data, and management.

3.) Dun & Bradstreet provides a full reportaire of business solutions no matter what size company you are. Build your business credit, credit management, credit monitoring, financial risk reports, growth strategies, specific industry information, marketing solutions, and more. Dun & Bradstreet provides you with a knowledge base second to none so that you can take your business to the next level.

4.) By joining Dun & Bradstreet you can make informed decisions. You can check business history and credit on potential creditors to see if they are safe company to do business with, you can investigate customers to determine credit risk, research potential business partners, monitor your competition, and so much more.

5.) Through their marketing solutions you can obtain access to potential businesses that you may not otherwise be able to reach. Through establishing an online presence and credibility with D&B, along with access to their entire business directory, you can get your business verified, create a target market and obtain customized leads using the most up-to-date information, and work with a marketing expert who can help you grow your business.

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No matter what stage your business is in or what goals you hope to achieve, Dun & Bradstreet surely has some terrfic solutions to help your business.

I want to add that I just had a client sign up for D&B recently. Because they have now separated their personal credit from their business credit, they were able to qualify with a vendor they previously could not through their personal credit. Through this new opportunity they are now saving thousands of dollars annually and their D&B investment has by more than paid off.

Check it out! www.d&

Tina Holtz~ Miss Executive


The Importance of Branding Yourself

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As a virtual assistant and business advisor it’s my job to know the ins and outs of social media and the new online platforms that can help businesses succeed. It’s always about working smarter and not harder. I also stay on the up and up in regards to personal branding as well which sparked this blog article today.


Years ago, we all networked through business meetings, luncheons, face to face appointments, Rotary and Chamber of Commerce meetings and the like. We walked around handing out business cards to everyone in sight and giving our quick over practiced elevator speech, hoping to dazzle them into wanting to know more about who we are and what we do. Then we would follow up with nice hand written card or quick phone call just to say hey. The goal was to ensure that EVERYONE knew who you were and what you did! In a way, we were branding ourselves. I know when I did these things at every job regardless of where I worked, people began to know that if they worked with me, they got treated a certain way. Generally like a ROCKSTAR! I took pride in the fact that people always remembered who I was, how hard I worked, and always asked “Hey! Where did Tina go?” So many of my customers have followed me throughout the years, from business to business and industry to industry. I guess what I am getting at here, is that I succeeded in branding ME.

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Many times we all get so wrapped up in branding the company we work for, (which is what we’re hired to do), we forget to brand ourselves. I’ve seen so many people say it’s not in my job description, or no one cares what I do, no one appreciates the handwritten note, etc.  Nothing could be farther from the truth! Everyone is watching you. Your co-workers, your vendors, your boss, your family, your friends. If you put in 110% all the time and go the extra mile, they all say “Man, do you see how hard Tom works? He never cares how bad of a day he is having, he just goes and goes.” You’re building a reputation, you’re building YOUR BRAND! I would much rather put the time and effort into branding myself like that versus everyone thinking you might be a dead beat, who never goes the extra mile, always goes home at the strike of 5 on the dot, complains about how dirty the bathroom is and then never cleaning it. Nah, trust me, you don’t want to be that guy.

Today with social media and technology, branding ourselves is a bit easier in the sense that we can reach so many people in just a few clicks. I still like to network the old fashion way because that’s who I am, but I alo implement other ways to brand myself too. One is through blogging, which I love! The other is through monthly email newsletters, being seen as the GO TO person for super awesome information, having a nice clean informational website, clean and precisely driven marketing materials about my business, and holding the most professional image of myself as possible on social media and business networking and self branding sites.

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Recently I was invited by a colleague to join MyOpportunity and BrandedMe, which are two fairly new networking sites similar to LinkedIn, yet they all differ a bit in what they offer and I LOVE! LOVE! LOVE! them.  I will say that before I join anything, I complete some due diligence to ensure that it’s worthy of my time and that the offer is legit. I’ve been on LinkedIn for years, since 2007 or 2008 I believe. It’s proven to have been largely successful to me over the years and I value every connection I make. I don’t just go through and connect with just anyone, I review their profiles and I look at certain people to see if we can be beneficial to each other now or in the future. I found that by joining these other two sites, there are different people on each one of them. I’m getting new contacts and connections on every platform and the experience is fascinating to say the least. It doesn’t require a lot of time, of course you could sit on there all day no doubt. But a few hours a week can go a long way in branding yourself and your business.


The point is NEVER QUIT branding, do it in everything you do and it will follow you forever.

You will find me here: 





Best of Luck!

Tina~Miss Executive


Virtual Assistant’s do what???

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As more and more people are becoming familiar with the term VA and virtual assisting, not everyone has a clear understanding of what it is that a VA does. Although I’ve written a previous blog post on some of the most common services provided by a VA, there are other services available as well, which to some might come as a surprise. Each VA has specific services they offer in their practice, so the types of services offered by each will vary significantly.

Here are some additional services that you might find being offered, many which are offered by myself at Executive Business Services, LLC.


Services You May Not Know a VA Provides

Online Media Consulting- setting up and maintaining social networks, creating online marketing strategies and advertisements like Facebook, Twitter, LinkedIn, Tumblr, Pinterest, ScoopIt, Google Adwords, etc.

Ancestry and Geneology Research- want to know about your ancestors or find missing relatives or learn more about your family heritage?

Proofreading- reviewing documents and materials for grammar and spelling errors.

Budgeting and Forecasting-both corporate and personal. Need a budget, need guidance, need help getting back on track or finding ways to cut costs and un-needed expenses?

Shopping and Gift Buying-a VA can many times arrange to purchase gifts both locally and online worldwide and have them delivered right to your door.

Corporate and Personal Travel Arrangements-airfare, hotels, meetings, events, retreats, golf tournaments, concerts, vacations, etc.

Locating Hard to Find Items-VA’s are very informational and highly experienced in research, chances are your VA can find what you need in a short period of time.

Wedding and Event Planning-weddings, ceremonies, honeymoons, reunions, parties, retirement celebrations, anniversary’s, baby showers, etc.

Personal and Executive Assistant-an assistant for everything you need! VA’s are well versed in all sector’s of business. Find the one that can best service your needs and you’ll be well organized and spoiled.

Finding Suppliers and Vendors-VA’s are very good at establishing relationships and setting up new accounts for your business often times researching where to get the best service and price for you.

Cold Calling-Many VA’s will cold call prospective clients on your behalf including setting appointments for your sales staff.

Building Customer Lists-locate new prospective clients or markets for you and provide that information in list form.

Letter, Invitation and Card Writing-sending cards, letters, and invitations for you, this is a highly time sensitive process that many businesses don’t have time for.

Gift Baskets and Floral Deliveries-want to send a bouquet to a sick employee, or a gift basket to a customer, maybe flowers for your wife, your VA will handle this task, just call and give a budget and the rest is done.

Reminder Services-VA’s are very good at maintaining a schedule for their clients and setting reminders and notifying you of important appointments so that you NEVER miss another meeting.

Corporate and Personal Research and Special Projects-you never know what you might need to research and you may lack the time to complete effective research, call your VA and they can do this fairly quickly for you.

Relocation and Moving Services-moving your business or perhaps your family. Need help finding a moving company, or changing address, notifying customers, vendors, etc. Your VA can help with this. Your VA can even find your new location or home as well.

Homestaging/Decluttering/Organizing-some VA’s specialize in these services and are highly savvy when it comes to these needs. If you need help getting a home sold or becoming more organized, this could be just what you need.

Referral Service for Trades, Contractors, etc.-with the many relationships that VA’s have they have a long list of businesses, contractors, and trades in your local area and can more than likely quickly find them for you anywhere in the U.S.

Scheduling-setting up and maintaining a schedule for you.

Auditing-a complete review of your insurance policies, workman’s comp, benefits, office supply purchases, fuel receipts, DOT logs, safety and policy manuals, financials, spending accounts.

Contact and Database Management and Setup-want to track your customers, vendors, or family better? Maybe you have a database of information that you don’t have time to maintain. Your VA can take care of the implementation of several database management systems and maintain them as well.

Competitive Research-want to know what your competitors are up to? You will also need this information for drafting a business plan or starting a new business.



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A virtual assistant is truly an amazing member to have on your professional team. Just like having a CPA, a lawyer, an insurance agent, and a banker, you should also have a virtual assistant to help you as needed with a variety of business support services.

Tina-Miss Executive


The Joy of a New Office Space

Midland BuildingI moved into a new office in beautiful Rifle, Colorado a few weeks ago. For the past three years I ran Executive Business Services, LLC on a part-time basis while I worked my full time job in the Oil and Gas Industry. I was unexpectedly laid off in March of this year due to an economic downturn in the industry. I wasn’t truly surprised that layoff’s happened, but I was surprised when I was called into the office and I was one of the layoffs.

I started working more and more on my business and within a few weeks I had two clients keeping me busy for about 25-30 hours a week. Soon I realized that this is what I absolutely love doing and that I was ready to go at it full-time. My passion is business and I enjoy helping people with their businesses. It is very gratifying for me and it makes me happy!

Office SIgnWorking from home definitely has it’s benefits for sure, but for me it posed many challenges. I remember when my kids were little all I dreamed of was a work at home job.

The main issue for me is that I live in the mountain boonies. I don’t get cell service at home and I don’t get high speed internet. I have satellite internet and I am limited to only 10 GB a month at a VERY high cost. A new challenge this year was that one of my children decided to home school through an online school which meant she would need access to the internet too and suddenly I thought, this is it. I HAVE TO GET AN OFFICE IN TOWN! I was literally driving into town to take my other child to school each morning, driving home to work, and when a client called for me to come to town or if I needed to run errands I was back in town. I was racking up mileage faster than I ever imagined.

So in July I moved into a beautiful historic building called The Midland in downtown Rifle. It has opened so many new avenues for me and the business. I am easily able to run any errand on foot, I can visit with prospective clients at the restaurants just a few feet away, and I have found more people take the business serious now that I have an actual office.

In addition to that, I have SUPER FAST internet, cell service, and somewhere that separates my home life from my work life. I also have clients visit my office from time to time and the fact that my child and I share an office for her homeschooling has worked out very well. It’s been amazing and I am so happy that I did it.

Tina- Miss Executive