I think this time-is-money analysis is important because sometimes we get too cheap with business expenses. I can give you lots of examples including: Are you spending extra hours on cheap rental cars? Does the money saved equal time saved? How much time does a business book or magazine have to save you before it’s worth it? How much time does a business software product have to save you to be worth the money?

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If you have your own business, you most likely have gone through the annoying and frustrating process of choosing a credit card processor (also called a merchant account provider) in order to accept credit cards. Since there is not a lot of information out there on how to choose a processor, a lot of business owners get ripped off with tricky rates, confusing salespeople, and contracts that are impossible to understand. Here are some tips to help guide you in your search.

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Spend ten minutes on Twitter and you’re likely to find someone giving away an iPad, iPhone or iSomething. Contest marketing is everywhere on social media and it hasn’t escaped SMB owners looking for new ways to gain followers or build awareness. And it hasn’t for one important reason – it works!

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The best PR programs often leverage a company’s best assets, its subject matter experts, by seizing and capitalizing on the news of the day. I call this Carpe Diem PR. Absent new company developments, the key for any company is to secure frequent, meaningful media mentions and buzz, by finding natural ways to make the company part of an already existing news cycle or trend.

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I gave myself a challenge: design a visually engaging HTML email without using a single image. The biggest challenge of any designer is to work within the limitations of the project at hand. Fine, if images are a problem, I’ll do without them. It’s an extreme solution to the problem of blocked images, but one that is well worth investigating.

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If you can, try to offer different products or services at different price points. Offer a no-thrills price with very little in non-essentials. Offer a middle and a high-end price with more options. Think about the airlines. Many have first-class, business-class and economy. Each gets you to your destination, but they have different prices and different services.

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Take action, even small steps, and you just might become a celebrated visionary. That’s what happened to Jake Nickell, whose passion has always been art, not business. About a decade ago, Nickell founded Threadless, a t-shirt company based in Chicago. Threadless, of course, doesn’t just print t-shirts. It prints shirts with designs that people submit online and that are then voted on by the Threadless community, which is now 1.2 million strong.

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Almost 70% of college students plan to pursue an internship while in school, a smart move considering that recent figures show that 90% of direct-from-college jobs will go to students who’ve had internship experience. And while an internship program might be appealing to a startup as a way to recruit a cheap but enthusiastic labor force, Babbit and Bottner argue that there are both practical and legal guidelines to consider when creating an internship position.

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