american express open is here to help. we are proud to present "your business" on msnbc. ♪ >>> hi there, everyone. i'm j.j. ramberg. welcome to "your business." what was once unthinkable has become a reality and a very profitable one at that. the legal marijuana movement is gaining traction with the editorial board of the new york times advocating it nationwide. for entrepreneurs, the opportune toy cash is in hard to resist. states like colorado and washington normalize the market regulating marijuana, similar to alcohol. for anyone interested in getting into the business, the stakes are high. this is no longer inhabited by stoners dawning tie dyes and bong hits. it requires a lot of time and money and smarts to succeed. ♪ >> this business is pretty much unmerging market. it's high risk/high reward. >> this is a story about change. changing laws. changing attitudes. an ever changing landscape for a brand-new business in america, marijuana. >> it's a very young industry full of entrepreneurs from all over the country that w

american express open forum. this is what membership is. this is what membership does. >>> when you develop your business plan, don't be afraid to write everything down. everything that comes into your mind. because ultimately, if you have a good business plan, well thought out, well designed, carried out for a year or two or three, you can start to follow that plan in an orderly fashion. you might stumble or trip or fall in a gully. if you have the plan, you can get up and continue on your path. >>> it's time now to answer some of your business questions. steve preston is back with us as is tanya yuki. the first question is from an entrepreneur who's ready to raise capital. >> what are the fundamental metrics, things we should have in place before we start going out and looking at alternative outside financing sources? >> good question. all right, tanya, let's start with you. >> so the biggest thing is making sure you have your finances in order. it sounds like you'll be looking through institutional money which means they're really going

american express open forum. this is what membership is.ership does. >>> nothing matters but the product. if the product is good, everything else kind of falls into place. you know, you come out with great product, really distinct, really unique, distinguishable from everything else out there in the marketplace. and the buzz and success of it is a natural consequence of that. it's not about marketing, execution, distribution and in my business reservation, services, no. it's about distinctive product. >>> over the years, many small business owners have asked us what it takes to get major retailers interested in their products. today, our guest has some answers for you. robin wilson is an eco friendly interior designer and founder of robin wilson home. great to see you. >> great to see you. >> congratulations. your products are in bed, bath and beyond. >> yes, they are. >> that's quite a win. >> i tell people you have to build a platform with a niche. i grew up with allergies and asthma. it was a natural to say what do i need to do that's hy

american express open forum. this is what membership is.ship does. >>> shawn kenny loved to play with leggo blocks. he would spend time making sculptures and other reations out of them. what useded to be a hobby for shawn is now a booming business. his work is bought by major corporations. it's been exhibited around the world. and items like his lego lamps can be bought on sites. here's how shawn turned his play into profits. ♪ you could say shawn kenny has a unique business. >> i did a project for the philadelphia zoo and we built 30 life size animals that are set up aurn the zoo. the polar bear took 1100 hours to build. and it had over 9 a,000 pieces in it. >> he's a lego certified professional. that's right. he actually has an official certification to play with lego blocks. >> the wall you're looking at is probably 300,000 pieces although it's a small port of the 1.5 million i have. >> across the east river from manhattan, shawn has built a thriving company out of a childhood passion. but this wasn't his first profession. for years he w

american express open forum. this is what membership is. this is what membership does.k people who like new ideas are not necessarily good day-to-day managers. >>> as we saw earlier, joe and mary dilecce have been so busy with the day to day of running their business, they haven't had a chance to do any long-term planning. now, as they peep for their eventual retirement, they need help changing the direction of their company. a makeover team has already given them some advice. that was just beginning. we have a lot more in store for these small business owners. ♪ >>> the "your business" makeover team has arrived in monterey, california. they're here to help these jewelry store owners optimize their business so it can support them in retirement. looking through their books and walking through you their store, chris myers, ellen bowick and dawn brolin have already make a lot of suggestions. >> the fact is j.j., it's a great business. i mean, they're doing $1 million in 1,000 square feet, which is about $800 a square foot. most retailers would kill for that level of sales

american express open forum. this is what membership is. this is what membership does. >>> the philosophies of your company, very, very important. and i think even more importantly, it lets other people who are just starting, who have been around for a while, know there's going to be opportunity down the line. >> it's time now to answer some of your business questions. let's get our board of directors in here to help us out. "new york times" small business columnist gene marx is the head of the marx group, a firm that provides technology and consulting services to small and medium sized businesses. and we have the ceo of the marketing zen group, a full service online marketing and digital p.r. firm. so great to see you. >> happy to be here. >> let's dive into the questions. the first is about tax time. >> we're a fast growing small business. i did the taxes and now some of my staff does. at what point do we find someone outside to do the taxes. should it rely on the income level or how much it annoys the director of collaboration? >> i don'

american express open forum. this is what membership is. this is what membership does. >>> i want people to live up to their fullest potential and always be committed to service an excellence, to take a sense of pride in serving. i'm a server. i might be a well paid server, but i'm here to serve this community and the guest here. >> want to keep an eye on your competition? much of the information you need is publicly available and accessible. here now are five ways to ethically spy on your rivals, courtesy of entrepreneur.com. >> one, look at what key words they're using. you should be able to see them listed in the source code of your competitor's home page. two, examine their load time. you can use googsal page feed insights to see how well your competitor's site performs compared to your own. three, discover their most popular pages by doing a free search on ahres.com. four, you can see who is mentioning them and what they're talking about. five, keep tabs on what website changes they're making. qulour competitor may be updating their we

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american express open forum. this is what membership is. this is what membership does. we have some new reporting ahead this hour on the situation in ferguson. and we're going to be keeping an eye on the protests that you could see unfolding over chris's shoulder there. unfolding there yet again tonight, after what really was an explosive day of news in ferguson, missouri. i should also tell you, we're going to be joined live by the attorney for michael brown's family in just a few minutes. that's coming up live in just a couple of minutes. but before we get to that, we have some late-breaking news tonight out of texas. a grand jury in austin, texas, tonight has indicted texas republican governor, rick perry. he's charged with two felony counts of abuse of power. the technical charges are abuse of official capacity and also coercion of a public servant. if convicted of these felonies, governor perry faces a maximum prison term of ten years for the coercion charge, and a range of five years to 99 years for the other felony charge. now, these

american express open forum. this is what membership is. this is what membership does.ere's a more enjoyable way to get your fiber. try phillips fiber good gummies. they're delicious and an excellent source of fiber to help support regularity. mmmm. these are good! the tasty side of fiber. from phillips >>> good morning, everyone, i'm alex witt in for tamron hall. and this is news nation. we begin with the chaos unraveling in the suburb of ferguson, missouri which overnight looked more like a war zone, all stemming from the death of michael brown. first here's the latest. >>> the local school district has cancelled school today and tomorrow citing unsafe conditions. missouri's governor jay nixon has cancelled his planned appearances today instead to visit ferguson for the first time since the protest began. he will mete with members of the clergy and local leaders about one hour from now. nixon addressed the situation on twitter saying the situation in ferguson does not represent who we are. we must keep the peace by safeguarding citizens and the press. faced off with p

american express open forum. this is what membership is.s is what membership does. ♪ ♪ great rates for great rides. geico motorcycle, see how much you could save. that would be my daughter -- hi dad. she's a dietitian. and back when i wasn't eating right, she got me drinking boost. it's got a great taste, and it helps give me the nutrition i was missing. helping me stay more like me. [ female announcer ] boost complete nutritional drink has 26 essential vitamins and minerals, including calcium and vitamin d to support strong bones and 10 grams of protein to help maintain muscle. all with a delicious taste. grandpa! [ female announcer ] stay strong, stay active with boost. >>> hawaii is bracing for its first hit by a hurricane in two years. iselle is set to hit tonight with heavy rain and flooding. the governor has already declared a state of emergency. the weather channel's jim cantore is live in hilo. >> reporter: obviously it's top of mind right now, it was really since tuesday, what we have seen is people preparing, they have gone to the

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american express open forum. this is what membership is.his is what membership does. >>> in today's three big money headlines. to your credit, missing nest eggs, and eating alone. joining me to break it all down is regina lewis. we begin with your credit. what's that? >> two significant switches in how fico scores are calculated. if you have an unpaid bill that goes to collection, that could be a credit card bill, utility bill, now if you bring the balance to zero, meaning you pay it off in full, it will no longer be, for lack of a better term, on your credit rap sheet. where to date it has remained up to seven years. that, to put it in perspective, could be a 100-point swing. the second is they are factoring in unpaid medical bills at a little less of a deterrent to cower your score. that's significant since half of all issues on credit card reports relate back to unpaid medical bills. right now, alex, there is mass confusion when it comes to bill. who is paying? the insurance company? should i pay that. even people with great credit score

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american express open forum. this is what membership is. this is what membership does. that's keeping you from the healthcare you deserve.. at humana, we believe the gap will close when healthcare gets simpler. when frustration and paperwork decrease. when grandparents get to live at home instead of in a home. so let's do it. let's simplify healthcare. let's close the gap between people and care. that's why i always choose the fastest intern.r slow. the fastest printer. the fastest lunch. turkey club. the fastest pencil sharpener. the fastest elevator. the fastest speed dial. the fastest office plant. so why wouldn't i choose the fastest wifi? i would. switch to comcast business internet and get the fastest wifi included. comcast business. built for business. >>> here's just some of what we've seen deployed on the streets of ferguson. kevlar helmets, tactical body armor, 120 to 180 rounds for each shooter, advanced combat optical gun sites and more. but what if one of the most powerful weapons in an officer's arsenal is small enough to fit on his sunglasses. if officer

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american express open forum. this is what membership is. this is what membership does. so factors like diet can negatively impact good bacteria? even if you're healthy and active. phillips digestive health support is a duo-probiotic that helps supplement good bacteria found in two parts of your digestive tract. i'm doubly impressed! phillips' digestive health. a daily probiotic. hey pal? you ready? can you pick me up at 6:30? ah... (boy) i'm here! i'm here! (cop) too late. i was gone for five minutes! ugh! move it. you're killing me. you know what, dad? i'm good. (dad) it may be quite a while before he's ready, but our subaru legacy will be waiting for him. (vo) the longest-lasting midsize sedan in its class. introducing the all-new subaru legacy. it's not just a sedan. it's a subaru. >>> heavy storms are expected later this week in the arizona desert after raging flood rip through the phoenix area. it was an incredible scene as mud and water turned the desert into a disaster zone. all within a few hours the flooding destroyed everything in the path and forced dramatic

american express open forum. this is what membership is. this is what membership does.om usually throws a gogurt in there. well mom's not here today so we're doing things dad's way. which means i get... two. (singing) snack time and lunch. (singing) snack time and lunch. gogurt because lunch needs some fun. you love this game. but does the game love you? ♪ who cares? look where you get to stay! booking.com booking.yeah! that's keeping you from the healthcare you deserve.. at humana, we believe the gap will close when healthcare gets simpler. when frustration and paperwork decrease. when grandparents get to live at home instead of in a home. so let's do it. let's simplify healthcare. let's close the gap between people and care. >>> again some breaking news. james brady dead at the age of 73. his family has released a statement that reads in part as follows. we are heartbroken to share the news that our beloved jim "bear" brady has passed away after a series of health issues. his wife, son and daughter are so thankful to have had the opportunity to say their farewells. ou

american express open forum. this is what membership is. this is what membership does. we're changing the way we do business, with startup ny. we've created tax free zones throughout the state. and startup ny companies will be investing hundreds of millions of dollars in jobs and infrastructure. thanks to startup ny, businesses can operate tax free for 10 years. no property tax. no business tax. and no sales tax. which means more growth for your business, and more jobs. it's not just business as usual. see how new york can help your business grow, at startup.ny.gov eachwon't have a claim.wners that's why allstate claim free rewards gives you money back for every year you don't have one. and why if you're part of the other 5%, allstate offers claim rateguard. so your rates won't go up just because of a claim. no matter what comes your way, your home protects you. ...protect it back allstate home insurance from an allstate agent. >>> it's time now for we the tweeple. today you're still buzzing about this confrontation over immigration caught

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american express open forum. this is what membership is.hat membership does. >>> truce talks, massive flooding, and earthquake. >>> time is running out. in a few hours a temporary cease-fire in gaza set to expire. talks between israeli and palestinian officials are continuing today in cairo with egypt pushing both sides to extend the current truce. it remains unclear whether the two parties will be able to reach a solution before the cease-fire ends today at 5 p.m. eastern time. >>> turning to the weather and the massive amount of rain flooding out roads in some areas. this is the southern state parkway in long island, new york. look at the cars stranded, pushed to the side of the road. the airport in' slip got more than 13 inches of rain. baltimore got more than 6 inches of rain breaking the record as well. officials had to close the harbor tunnel. it's part of the same system that came out of the midwest. in detroit, officials say major interstates could be closed for days after flash flooding. >>> check out this surveillance video from n

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