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I built a 7-figure business in less than a year —and I don't have an MBA. Here are 4 ways forgoing a degree actually lead to my success.

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Luisa Zhou

  • Luisa Zhou is the creator of the Employee to Entrepreneur system, which teaches people how to leave their day job and start their own six-figure-plus business working for themselves. She's been featured in Forbes, Inc., Entrepreneur, Success magazine, and more. Get her free blueprint for building a profitable online business that frees you from the 9-to-5 .
  • Zhou argues that not having an MBA when she started her business was actually beneficial — and part of the reason why she's made over a million in revenue in less than a year.
  • Not having debt — and having a steady income from past jobs — allowed her to invest heavily in getting her company off the ground.
  • Not knowing what she didn't know also allowed her not to get stuck in the weeds worrying about nailing down her business plan or stressing about how hard starting a business is.
  • And learning on the job forced her to be open to changing her way of thinking and make mistakes that became learning lessons.
  • "It doesn't matter what you know. If you have an MBA, great. You still have plenty to learn. If you don't, that's fine, too. You'll learn as you go," she concludes.
  • Click here for more BI Prime stories.
After about a year of college, I'd made up my mind. Getting my bachelor's degree was the last piece of formal education I was ever going to get. (More schooling just wasn't for me.) So years later, when my friends and family advised me to get an MBA before starting my own business, guess what I said? "No thank you." And I'm glad I did. Because here's how not having an MBA helped me grow my current business to over a million dollars in revenue in less than a year: 1. I had no debt Through a combination of financial aid, scholarships, and the college fund my parents had saved for me, I was lucky enough to have zero student loans or debt. However, that would have changed dramatically if I'd decided to expand my formal education with an MBA. When Bloomberg Businessweek surveyed over 10,000 MBA graduates, they found that almost half of the students at top schools had borrowed $100,000 or more. So it's safe to assume that's approximately the amount of debt I would have taken on as well. Having been raised to avoid debt, I would have made paying it off my primary financial goal. Which means I wouldn't have traded in my steady paycheck for the much more financially risky option of building a business.  Having no debt wasn't the only financial advantage I gained. Because I was earning money at a job instead of spending it getting an MBA, I was able to set aside over $20,000 specifically for my "business fund." Strategically using that money in paid advertising and premium branding relatively early on played a huge role in helping me grow my business faster. 2. I didn't know what I didn't know Looking back, there are a few reasons I'm incredibly grateful for what I didn't know as a result of not pursuing an MBA. First, I didn't get bogged down with the "theory" of building a business. When I started building my first business, I hadn't thought about my business plan or done a SWOT (strengths, weaknesses, opportunities, and threats) analysis.  Instead, I focused solely on getting one client at a time. I didn't overcomplicate it, either. I started talking to people — acquaintances who I thought might be interested in hiring me as well as potential clients I found through Facebook groups — about how I could help them while answering their questions about my area of expertise.  And that's how I got my first client. And then my second. And my third. Second, I didn't know how hard it would be. According to data from the US Bureau of Labor Statistics , about 20% of small businesses fail within their first year. And by the end of their fifth year, roughly 50% of small businesses fail.  Not knowing this at the beginning of my business journey was a massive blessing for me. Instead of thinking about the odds stacked against me, I blissfully assumed that success was inevitable if I worked hard enough and created enough value in the world. 3. I wasn't attached to a certain way of thinking or doing What's more, because I didn't know much about traditional marketing and sales, I wasn't att Číst dále >>>

15 great pairs of fall and winter boots on sale right now for men and women

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hunter

  • Right now is an opportune time to find great savings on winter boots, since retailers are putting their stock on sale to make room for spring styles.
  • Mid-winter sales mean you can pick up discounted pairs to wear through the rest of the season or stock up for ones you can wear next year.
  • To make it easy, we rounded up 15 great pairs of boots on sale right now for both men and women.
It's already January. If you've planned accordingly, you probably have enough winter boots to get you through the season. But, if you could use another pair, now is a great time to buy.  Most retailers are already getting shoppers excited about spring, which means you can find lots of your favorite winter pieces — think coats , scarves, and boots — on sale.  Mid-winter is the perfect time to snag those boots you were eyeing back in November, but couldn't justify the cost of. We've got you covered with a few great pairs for both men and women that you can find on sale right now.  15 great pairs of winter boots on sale right now:Men's To Boot New York Finnegan Chukka Boot To Boot New York Finnegan Chukka Boot, available at Nordstrom, $197.49 (originally $395) [You save $197.51] Handcrafted in Italy, these boots add a simple, stylish touch to any outfit. The low profile is casual enough for everyday wear, but sharp enough for a more dressed-up look.  Women's Sam Edelman Winona Booties Sam Edelman Winona Bootie, available at Nordstrom, $63.98 (originally $159.95) [You save $95.97] With a chunky stacked heel and easy, pull-on style, these Western-inspired booties work for just about any season. Go for a basic black or one of the more funky options , like a navy patent leather snakeskin or a rich mahogany croc-embossed situation.    Men's Cole Haan Feathercraft Grand Plain Toe Boot Cole Haan Feathercraft Grand Plain Toe Boot, available at Nordstrom, $119.98 (originally $200) [You save $80.02] A nice leather lace-up boot is perfect for colder winter days. We recommend this one from Cole Haan because it features the brand's GrandOS foam, which provides a lightweight cushion that's easy on your feet.   Women's Aquatalia Nathalia Water Resistant Knee High Boot Aquatalia Nathalia Water Resistant Knee High Boot, available at Nordstrom, $237.98 (originally $595) [You save $357.02] Fashion and practicality don't have to be mutually exclusive. These Aquatalia boots are a chic, simple knee-high boot for everyday wear and they are covered in a water-resistant treatment, so they won't get ruined from rain or snow.  Číst dále >>>

We tried the Furbo dog camera that lets you monitor and play with your pet from afar — here's what it's like to use

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  • With the Furbo dog camera , you can keep an eye on your dog when you're away from home using your smartphone.
  • Not only is the Furbo a pet camera, but you can also toss treats to your dog and it has a clicker sound for reinforcing training.
  • For $174 at Amazon , I consider this dog camera a great deal and plan to continue using it well into the future.
  I'm familiar with most of the pet cameras currently on the market, but the Furbo dog camera is the first one I tried for myself. My sister and her husband recently came home to visit, and they left their French Bulldog Hemingway in the care of his sister. Both of them work demanding jobs with long hours, so they were using the Furbo dog camera to stay connected to their pup when they were away from home. Curious to see the product in action, I asked them to show me how it worked, and I played around with the app a little bit. So, when I was presented with the opportunity to try the Furbo dog camera for myself, I pounced on it. Before testing the Furbo dog camera for myself, I knew a couple of things about it:
  • It was designed specifically with dog owners in mind, giving them the ability to check in on and interact with their pet when they are away from home.
  • It is equipped with two-way audio and 1080p HD video capability as well as infrared night vision.
  • It's compatible with Alexa, though this was not part of my testing.
  • It enables you to toss treats to your dog by pushing a button on the smartphone app.
  • It can help you reinforce your dog's obedience training with a clicker feature, and it has an indicator light that changes color to attract your dog's attention.
I'm lucky enough to work from home, so my Cavalier King Charles Spaniel puppy, Archie, spends most of the day by my side. There are times, however, when I need to leave him home alone. He is fully housetrained and does well on his own for extended periods of time, but I still feel bad leaving him alone — that's why I came to love the Furbo dog camera. I can still keep an eye on him using the Furbo smartphone app and can show him some love by tossing him a few treats. What's in the box When I received my Furbo dog camera , I was pleased to find that the package was very simple and produced very little waste. The device itself was packaged securely in a minimalistic box along with the power adapter, a 7-foot USB cable, and the quick-start guide. In terms of construction, I found the Furbo to be very well-made. It seemed sturdy and had a wide enough base that it wouldn't be easily knocked over. The lid covering the treat storage compartment was secure but easy to remove and unlikely to fall out if the device tipped over. I also found the USB cable to be plenty long enough to plug the device in where I wanted it. Číst dále >>>

The Moxy East Village, a Marriott Bonvoy hotel, trades space for affordable prices — here's why the small rooms are no compromise

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  Moxy East Village 4x3

  • Moxy East Village is a new four-star hotel in New York's East Village neighborhood, themed after its vibrant culture. The hotel features clear nods to rock and roll, street art, and other East Village countercultures.
  • As part of the Marriott Bonvoy family, Moxy East Village is a great option if you want to earn or redeem points during your stay.
  • I spent a night in an 11th floor Queen Room , which was small, yet comfortable. The historic decor, bustling common areas, and great location were the real draw.
  • Read all Insider Picks hotel reviews here.
New York City's East Village has long enjoyed a gritty and rebellious history. Located directly across from Webster Hall, a music venue that helped contribute to that reputation, the brand new Moxy East Village takes inspiration from its surroundings, with nods to the cultural movements and counterculture for which the neighborhood is known. While the Chelsea location has more of a botanical theme ( read our full review here ), Moxy East Village channels rock and roll and avant-garde street art, which can be found throughout the hotel. Current rates start at $185 midweek and rise to around $299 on weekends and holidays, with room configurations including Queen, Queen with Daybed, Double Double, and Quad Bunks. I spent a night in a Queen Room, which was comped for review purposes, and found the hotel to have all the amenities needed for a comfortable and hospitable stay. While it just opened its doors a few months ago and is still finding its way, I think the hotel has the potential to become a favorite for travelers looking for good value and a unique experience in a locally loved neighborhood. As part of the Marriott family , you can also redeem and earn Marriott points here.  Need more New York inspiration? Read our list of the 20 best hotels in New York City.

Nymburk v Lize mistrů porazil špičkové Tenerife a zajistil si play off

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Nymburští basketbalisté v souboji nejlepších týmů Ligy mistrů vyhráli 89:84 na palubovce Tenerife. Středočeský celek sice nedokázal smazat desetibodovou ztrátu z domácího zápasu, což by ho posunulo na první místo tabulky, ale vítězstvím si definitivně zajistil postup do osmifinále.

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V železničním tunelu u Ejpovic hořel vlak, hasiči evakuovali 38 pasažérů

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V železničním tunelu u Ejpovic hořel v úterý večer jeden z vagonů rychlíku, který mířil z Plzně do Prahy. Tři lidé se nadýchali kouře. Celkem 38 cestujících hasiči z tunelu evakuovali pěšky druhým tubusem. K požáru došlo uprostřed čtyřkilometrového tunelu. Doprava na železniční trati směrem na Prahu stojí.

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V železničním tunelu u Ejpovic hořel vlak, hasiči evakuovali 38 pasažérů

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V železničním tunelu u Ejpovic hořel v úterý večer jeden z vagonů rychlíku, který mířil z Plzně do Prahy. Tři lidé se nadýchali kouře. Celkem 38 cestujících hasiči z tunelu evakuovali pěšky druhým tubusem. K požáru došlo uprostřed čtyřkilometrového tunelu. Doprava na železniční trati směrem na Prahu stojí. Číst dále >>>

Americká ambasáda v Praze a žádost o víza

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Necelý měsíc před odletem mě čekal poslední krok. Návštěva americké ambasády a získání víza. Jak je všechno poprvé, tak člověk neví, co má čekat. Řekněme si teda krok za krokem, jak ta žádost probíhá. Příprava Jako první se čekalo na formulář od vízového sponzora. Bez něj vám víza nedají. Formulář dorazil cca měsíc před odletem Číst dále >>>

We cooked meals from Blue Apron and HelloFresh to see which meal kit delivery service is best

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  Blue Apron vs HelloFresh 4x3

  • Eating at home instead of getting taking out has gotten a lot easier with the rise of the meal kits.
  • But with so many options to choose from, it can be hard to know exactly which of the myriad of options available is right for you.
  • We put Blue Apron and HelloFresh head to head to determine which meal kit wins our hearts and our bellies. In this case, it was simply too close to call.
  • HelloFresh is ideal for simplicity, speed, and convenience, while Blue Apron is better for cooks who want to get creative and explore new flavors.
  • See more: The best meal kit delivery services
  If ever there was a cure to your Seamless obsession, it's another kind of delivery — the meal kit delivery. Here to save you from the never-ending rotation of takeout, these meal kits are re-introducing you to your kitchen in all its wonder. As it turns out, your stove is just as important as your microwave. But just as it can be a challenge to pick your favorite take-out restaurant, it can be difficult to pick your favorite meal kit delivery service. We've taste-tested plenty of brands to put together our comprehensive buying guide, which you can check out here , but we're also helping narrow down your decision-making process with comparison pieces like this. It's a tough job, but someone has to do it. Both Blue Apron and HelloFresh are veritable giants on the meal kit scene. They've been around for years, and have built up a loyal base of followers thanks to their tasty recipes, wide selections, and ability to cater to various dietary restrictions. Both feature solid produce and protein options and are fantastic for a date night activity. But there are certainly some aspects in which Blue Apron and HelloFresh begin to differentiate themselves from one another, and that's really how you'll be making your decision. Here are our thoughts after testing both. Ease of use Blue Apron vs HelloFresh Graphic 2 If we're thinking in terms of pure convenience, HelloFresh is a bit easier to use than Blue Apron. While both are extremely convenient, HelloFresh is more focused on providing meals that are truly no fuss, and as a result, can be ready in just a matter of minutes. Číst dále >>>

Novým starostou Prahy 1 je Petr Hejma z hnutí STAN. Nahradil kritizovaného Čižinského

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Praha 1 má nového starostu, na bouřlivém jednání zastupitelstva se jím v úterý po odvolání Pavla Čižinského (Praha 1 Sobě) stal dosavadní první místostarosta Petr Hejma (STAN) z uskupení My, co tady žijeme (STAN, KDU-ČSL, Iniciativa občanů). Toto uskupení jediné zůstává z dosavadní koalice.

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