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Businesses fail for many different reasons. Here’s what you should be thinking about so that your business is not one that sinks, but one that swims and stays afloat!

If you’re looking at a new business, make up a business plan, include your goals and financial projections. YOU need to know more than anyone where you are headed. Your business
plan doesn’t have to be drawn up by a
professional business planner, you can do it yourself. Write down the hard costs of getting the business started and maintained, including costs of licenses, equipment, inventory etc.
Don’t forget to include how much income you will need to be bringing in, or have saved up until you start to show a profit. Always have a
Plan-B in place. Lack of planning will have your business sinking in no time at all.

Business owners are generally “go-getters”, which means they are usually hard workers. Staying disciplined, even for the hard worker can be difficult at times, especially when there is no boss or supervisor around to crack that whip and make you do your work. Getting lazy and not
being productive with your business is a surefire way to sink it.

Here’s some tips to keep you on track and keep your business afloat.

Daily “to do” lists are constant reminders that keep you on track. They keep you motivated, and it feels good to cross things off as you get things done. You need to have a sense of accomplishment, and this helps
serve that purpose.

Push your business to new heights every day by doing just a little bit more than you need to. This will ensure that it will SWIM.

Break up your day into segments; plan your day properly. Give yourself a proper work time schedule and try to stick with it. Even if you don’t work 9-5 anymore, pretend you do. Having
your own home business often means working more than eight hours a day to turn a profit. Be prepared for that. That way you will SWIM and not SINK.

Give yourself a proper lunch break. This will give you a routine and give you something to look forward to. Reward yourself for keeping up with your work. It will keep you
positive and motivated.

Post inspiring quotes and verses in your home business area.

Don’t allow friends

and family to drop by and take up your time. In the beginning, I had friends that thought because I worked from home that I could sit around and chat with them all day long… It’s amazing that they think this, but they do. Be firm with them. My friends now know that
they had better call before they “pop in for a coffee”, and I do tell them “no” if it’s not convenient. Lazing around watching TV or chatting
with friends is 100% guaranteed to help SINK your business.

Another time taker is the telephone. I screen my calls and let the machine pick up almost all day, unless it is about business. Caller ID was
a super investment! It will help your business to have Caller ID. I promise.

Mentally remind yourself from time to time that one of the reasons your home business can fail is procrastination. The fear of this should help keep your business on the right track.

I think you know what bad employees can do to a business; be careful who represents you/works for you.

If you don’t have time to do your work and work your business, it’s bound to SINK! Don’t let other aspects of life get in the way. Sure the car needs washing, the laundry needs doing, the
house needs cleaning, you need to get other things done, but not during business hours. The key here
is to PRIORITIZE properly and take your business seriously.

Try and get some daily exercise. It refreshes you and clears the mind. It will help you stay positive. Plus, it’s good for you.

Network with other “successful people” who own a similar type of business. If you are having trouble finding these people, try your local Chamber of Commerce, or just contact other business owners. Try to learn from people who have been successful; make
sure they’ve walked the walk before you take their advice.

Taking this advice will hopefully give you some ideas about keeping your business afloat, swimming, and very
successful.

To Your Success!

About the Author

Michele Miller is a home-based business owner and a medical transcriptionist. She is also the author of an E-book about how to become a home-based medical transcriptionist. You can visit her website at: http://www.medical-transcription-at-home.com
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Submitted by Dr.Shoukath.ND

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Back when I first started my online home business I didn't have
a clue concerning how to go about it. I had never done any
Internet marketing, and didn't know anything about websites or
search engines or any of that other online business stuff...in
short, I was a complete rookie. In retrospect, the two major
things that really helped me was that I refused to be intimidated
and I kept a realistic perspective (both in terms of initial
financial results and the time frame necessary to become
successful).

I know from my own years of experience that relatively few
business ventures are started on the Internet by people with
the experience, motivation, determination, backing, and support
that it takes to even have a reasonable chance of success.

Real online business people are those who work hard, who immerse
themselves deeply in marketing and advertising, and who put in
long hours in the beginning in order to see their Internet-based
businesses succeed.

Achieving success in an online business is not difficult to
comprehend. There is indeed a learning curve, but it's not brain
surgery. The process of learning isn't as much the issue as are
the personal traits of motivation and determination.

Develop your marketing plan and execute it. There's no magic in
this online home based business stuff. We're talking real world
here. It's not nearly as romantic as winning the lottery, yet
many of the thousands of people I have helped to start up their
home businesses on the Internet clearly came in with what I have
come to refer to as the "magic/lottery" mentality. Many of those
folks went off to chase another rainbow after a few months, but
some of them also came to their senses and buckled down to
develop very successful home based businesses.

Run, don't walk, away from all of those people that offer you
"shortcuts" or "success secrets" (probably in exchange for some
of your money). I mean, if they had it all figured out, why
would they sell this "magic answer" to you for a few bucks
instead of just keeping it private and then making tons of
money for themselves? (I'll leave it to you to connect the dots)

A key point to always keep in mind is that...business is
business. Regardless of whether you are on the Internet or
operating a business in a shopping mall. The same
fundamental principles apply to both businesses.

1) You need to have a product, or products, to sell.

2) You need to advertise to get customers to buy your
products.

3) You need to provide support to your customers who buy
your products as a result of your advertising efforts.

4) You need to build a loyal customer following, so you can
maintain a profitable business over a period of time.

Many people fall into the trap of believing that because
they are

doing business on the Internet, some of these steps
can either be skipped or they need to overemphasize one area
or another.

The bottom line regarding an online business is that you will
need to advertise and you will need to take care of your
customers.

Run your online home business just like a real company
because it is, in fact, a real business and you have a real
opportunity to either be successful or to fail. The primary
difference between an online business and a traditional
business is location (no traditional "storefront"). Nearly
everything else is essentially the same. You have products
and your objective is to sell those products to people who
want/need your products.

Remember, building a business takes time, determination,
and patience. Far too many people seem to think that the
traffic is just going to pour in once they have put up their
own website on the Internet. As anyone who has had a website
for a while knows...this simply is not true, but it is often
the reason people get frustrated and quit. The fact of the
matter is that you need to diligently promote/advertise your
website in order for your online home based business to
flourish and prosper.

One of the most important bits of advice that I can pass on to
you is that you must be patient. Most people start their online
home business with great enthusiasm and high expectations. Often,
after a few months, they become disappointed and frustrated
because they are not already making a large amount of money.

These impatient home business entrepreneurs then often start to
jump from one program to another every few months (never allowing
themselves enough time to succeed at any of them) and, finally,
throw up their hands in frustration and declare that they just
can’t make money online.

Stick with your business and don’t give up. Dogged persistence
(much like the tenacity of a pit bull) is an absolutely vital key
to your eventual success. Don’t give up when things become
frustrating and you are not achieving the immediate success you
expected. Give your online home based business sufficient time to
develop and you realize the success you are seeking.

There is nothing magical about running an online home based
business. It should be run the same as any traditional "bricks
and mortar" business and it will succeed or fail depending on
the time and effort you put into it.

There are many very ordinary people working at home and making a
very good living on the Internet, will you be the next one?

About the Author

Kirk Bannerman operates a successful home based business and
coaches others seeking to start their own home based business.
Visit his website at
Legitimate Home Based Business for more details.

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Submitted by Dr.Shoukath.ND

Make Money Affiliate: http://earn-2.com/

So you are considering work at home careers but don’t have any ideas? A stay at home business doesn’t necessarily have to be a computer business. Your unique hobbies and talents can give way to a business opportunity. Many people have used their hobbies to start their own work at home careers. People may be looking for your talents and you would never know unless you try.

Work at home careers come in many shapes and sizes. You must pick the one that best suits your talents and abilities. Enjoying your job should be foremost thought you have when looking to start your own business. So look at some of your current hobbies and see if they too could become a work at home career.

Here is a listing of some work at home careers that you might consider. If none of these appeals to you, perhaps one that you develop yourself with your skills would suit you best. Some work at home careers that have worked for others include: medical transcriptionist, writer, photographer, caterer, wedding planner, computer programmer, real estate agent, and artist.

Maybe you need to resume your education to start your work at home career. There are many specialized opportunities waiting for those that have invested the time and money

to go back to school. With the Internet, many people have gone back to school to learn computer programming and about the graphic arts. Many other work at home careers exist for those willing to make the sacrifice.

Work at home careers demand long hours and hard work. The easy way is most often the wrong way. Jumping into a business is risky. Get as much information as possible on your idea. See if someone has tried your thought and if so was it successful? Learn from the mistakes of others and seek new solutions to the problems they encountered.

Consider the important elements in work at home careers. Business organization, planning, marketing, and time management are all things you must conquer. As you become independent, you will need to invest an increasing number of hours in your business as it turns from idea into action. Success really depends on time and effort as you build your home-based business.

About the Author

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Submitted by Dr.Shoukath.ND

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Do you work from home full-time or part-time? Chances are your homeowner's insurance doesn't cover your home business, or at least not to the extent you need it to. For one thing, insuring just the physical assets of your business (computer, home-office furniture, fax machine, etc.) doesn't encompass every aspect of your business.

To figure out how much and what kind of coverage you need, consider possible accidents; hopefully, nothing untoward will befall your business or your home, but you should plan for any eventuality so you will not suffer financially if something comes to pass. If a fire were to destroy your home and office, consider where you would work until your home was rebuilt. You would probably need to rent a temporary office space somewhere. Does your current insurance policy cover this?

Do you retain any sort of client information, either on your computer or in files? If your computer was ravaged by a virus, or your files damaged in a fire, and you didn't have copies of all that information, your clients might hold you liable for the loss. If you have clients visit you in your home office, your homeowner's insurance might not cover their medical expenses should they trip and fall

down your stairs or some such.

Do you have any employees? Even part-time employees may affect the kind of home business insurance you need. As you can see, there are number of factors you need to take into consideration when insuring your home business.

Talking to your current homeowner's insurance agent can probably get you started in the right direction. You might not even need separate home business insurance. Depending on your business, you may be able to receive coverage for it simply by enhancing your current homeowner's insurance policy.

Tip: If you bundle your policies (i.e. car, homeowners, business), you may qualify for a discount. As more and more people pursue home-based businesses, insurance companies are starting to offer more comprehensive coverage at better rates. Make sure to talk to a number of insurance agents to find out who has the best rates, most options, and best coverage.

TC Thorn writes content for numerous web sites, including a number she owns such as http://www.homesecurityinformation.com where you can find more information on homeowner's insurance and home security.

Is Your Home-Business Insured?

Most people don't consider getting business insurance when they work out of their homes. For many home businesses, it may not be necessary. This article will help you decide if you need additional insurance coverage for your home business.

Insurance helps protect your business against losses from fire, illness, and injury. You should not operate without it. If you are running your business out of your home, your homeowners insurance will probably protect you against most accidental losses.

Check with your insurance carrier to make sure that your coverage includes business use of your home. If not, you should add the insurance you need to your existing policy. You may need to add additional coverage to include Product Liability. The purpose of Product liability insurance is to protect you in the event your product causes injury to the consumer. While you may or may not think this is necessary, you would be better safe than sorry if a consumer sued you because your product injured them.

Disability Insurance is a kind of health insurance that will protect you, should you become disabled and unable to work, provide for your family and meet your financial responsibilities.

Auto Insurance may be necessary if your personal car is used in your business. Most (if not all) states require that an individual must have auto insurance in order to operate a motor vehicle. Getting caught without it usually results in a traffic ticket and some pretty stiff fines.

Medical Payments Insurance is necessary if someone is

injured in your home whether or not it was your fault Most homeowners policies include this as a standard portion of the policy, but check with your agent just to be sure you are adequately covered.

Worker's Compensation Insurance will probably not be necessary if you are working out of your home, however, if you have employees it is a requirement in order to protect you, the businessperson, as well as the employee from losses due to accidents on the job.

Business Interruption Insurance is not something we want to consider, however, it is an extra protection you might wish to add to your policy. In effect, if your business is damaged by fire or circumstances beyond your control prevents you from operating your business and you must totally or partially suspend operations, this insurance will help protect you from total losses while you rebuild your business.

Keep all your insurance records and policies in a safe place. A bank safe deposit box or home safe is ideal.

Although we don't like to think about the unpleasant "what if's" in life, it is often better to be prepared than to face the unnecessary expense of loss. Insurance can help protect your home business if you take the time to evaluate your business insurance needs.

About the author:

Kim Haas is a WAHM and Founder of http://Womans-Net.com, a popular online networking community focusing on working from home and women in business and Owner of http://Article-Host.com. To learn more about Kim, visit http://kimberlyhaas.com Copyright 2005

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Submitted by Dr.Shoukath.ND

Make Money Affiliate: http://earn-2.com/

If you are planning on doing business online with one of the many work from home based businesses available on the internet, then you are going to want to make sure your computer is up to the task.

Although it is possible to get by with a Pentium 1, at today’s prices there is no reason to do so. Pentium 4 computers and AMD equivalent computers have dropped in price enormously.

I have to admit, I am still using an Intel Celeron 766 Mh computer but I upgraded the ram to 384 Mb and the hard drive to 80 Gb. Also a high speed internet connection is a must. I am connected to the internet from 8:00 Am to 2:00 Am (18 Hours) continuously every day. This means my security including firewall must be set up properly and working. But that’s another article for another time.

Why do you need a powerful computer for your work from home internet business? Well before I upgraded from my Pentium MMX 233 Mh computer I was spending more time re booting from freeze ups and cleaning my hard drive than I was actually working at my internet work from home based business. Yes I started out over 5 years ago using a Pentium MMX 233 with only 160 Mb of RAM and a 3 Gb hard drive, proving that it is possible to build a work from home internet business on an old slow computer. But why would you. I upgraded to a used Celeron 766 Mh computer with 256 Mb of RAM for $200 Canadian. And here in Canada you can buy a Pentium 4 or AMD

equivalent for just $400-$500.

I recommend the following main features when looking for your work from home internet business computer.
1. Pentium 4 or AMD Equivalent.
2. 256 Mb of RAM minimum. 512 Mb is better.
3. 80 Gb hard drive or better
4. Ethernet for high speed internet connection.
Your video card is less important unless you plan to play games on your work from home business computer. Cheaper computers come with onboard video which is just fine for business purposes.

Try to get at least a 17 inch monitor. Get an LCD monitor if you can afford it. It will save you all kinds of desk space giving you more room to work.

These are my recommendations for your work from home internet business computer based on my past experiences with my own work from home internet business. They are just guidelines only. In fact you could spend thousands of dollars more than what I have suggested here. Wouldn’t we all love to have an AMD 64 computer with 2 Gb RAM, dual 200 Gb raided hard drives and a 21 inch LCD monitor!

About the Author
Tom Worsley is a successful work from home Internet marketer and independent representative for Strong Future International (SFI), Owner and Webmaster for http://kawarthapublishing.com.
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Submitted by Dr.Shoukath.ND
Make Money Affiliate: http://earn-2.com/

Ask many working moms or stay at home moms what the idyllic job situation would be and most will say, "If I could only work at home, make some extra money and still spend time with my family."

With all the scams in the home based business industry, many stay-at-home moms have a very difficult time finding legitimate and well paying home employment. It can be a costly experience, when you think you have found a great job opportunity only to find that you have been scammed by an unscrupulous individual you can’t contact. Hundreds of these so-called work-at-home schemes exist, and it can be very frustrating trying to weed thru them and find legitimate opportunities.

Many legitimate companies do hire stay-at-home moms. However, these jobs do tend to be scarce and many of them require that you have a great deal of experience or education to perform them. No one will "get rich quick" working at home. It will not happen. And those ads that guarantee that you will are false. Remember the old saying "If it sounds too good to be true, then it probably is"? Well it does hold true! So be careful when considering one of these opportunities.

So how is a mother supposed to do what she feels is the best for her family and still contribute financially?

Many of us stay at home moms, climb aboard the guilt train when we even consider doing something for ourselves; taking a little down time, finding a hobby or anything that we feel takes away time and energy from our homes, children, & husbands. We tend to forget that we too are human beings and day in day out “same ole same ole” can get very old, very fast.

There is an alternative to working at home, that takes up a very small portion of your time, can make you a little extra income and can get you out of the house for a few hours. A part time job may just be the answer you are looking for. Most part-time jobs require less than 32 hours per week and some require less than that. Now if you need to actually earn a living, then part time work would probably not be a wise choice for you. Part time jobs may have other drawbacks that make them bad choices as well.

A few things to consider:
Part-time jobs rarely pay more than $6-$8 per hour depending on skills required, and the type of job you will be doing. Some jobs pay as much as $11-$12 per hour, but they are rare. Be prepared to earn just a little above minimum wage for most part time jobs.

Most part time jobs do not offer benefits. There are those that do, however. If you have the time to do your homework, you may just be able to find one that does. You will be better off, and more apt to find a good part time job, if you do not make this a top priority.

Many part time jobs are evenings and weekends. Many companies need people that are willing to work evenings throughout the week, weekend days and evenings, and

even holidays.

Cost of childcare. This can be the biggest obstacle for those seeking part time work. Many centers or individuals that provide childcare either do not care for children on a part-time basis, or they charge full-time fees for part-time care.

Okay, so you have weighed all the options, and you are ready to go to work. Where do you begin?

Here are a few ideas and places to find part time work, along with benefits that some will provide for their part time employees:

Day Care Centers, Church Daycares, & Church Nurseries: Many will let you bring your own children free of charge!

Home Day Care: Even with one child (depending on where you live) you could earn $80, $90 up to $125 in many areas for caring for one infant in your home. That translates to utility bills, car payments, groceries, and many other monthly bills.

Mall Stores Are the Ticket! Visit your local shopping mall, primarily clothing stores, craft stores, and other “women related” stores. These places hire of lot of part time help, especially during the holidays

Discount Stores: Many discount stores such as Wal-Mart or K-mart hire TONS of part time workers in MANY areas; in their stores, offices, warehouses and more.

Home Reps for Avon, Home Interiors, Tupperware, etc.: Try your local yellow pages or a web search to find info about these business opportunities.

Put Your Creative Abilities to Work for You! Flower arranging, crafting, tole painting, quilting, and more! Sell your handicrafts or teach others! Many craft stores offer areas or rooms in their stores for this type of thing.

How Talented Are You? If you play an instrument, sing or are a whiz at geometry, start your own small business, by giving piano lessons, voice lessons, or tutoring.

House/Office Cleaning Advertise in your local paper for house or office cleaning, running errands or yard work. Small office cleaning is a great way to earn extra money for just a few hours per evening.

NOTE: For any type of job listed above(where you are not receiving a paycheck from an employer) make sure that you research the laws and regulations in your city and state in regards to zoning, sales taxes, insurance etc. before you start.

Search your local newspaper classifieds. Many companies now advertise for employees on the internet and you can search thru hundreds of job listing databases, most of them free of charge.

Working part-time might not be the ideal option that many moms dream about, but it can be a practical and rewarding alternative for many of us. Keep your options open, stay flexible. Happy job hunting!
About the Author
Kandi Traxel is the owner of Country Moms Online Family of Sites. These sites include WAHM Central, The Country Freebie Marketplace, & TCM General Store. Visit her here: http://www.countrymoms.com
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Submitted by Dr.Shoukath.ND
Make Money Affiliate: http://earn-2.com/

Forget the hype! No, NOT everyone can make big money
working from home.

Is it possible to make a six figure income working from home?

YES!.

Is it possible to enjoy more freedom in your schedule, own your
own business, fire your boss, and all of the other work from home
fantasies?

YES!

Can you do it?

Well, now that one's not as easy to answer. I can't solve that riddle
for you. I CAN, however, let you know what working from home
really involves so you can make that decision for yourself.

MAKING CHANGES

In some respects, working under a supervisor is a life of ease. You
have certain responsibilities, and you take care of them, but that's
as far as it goes. Working your own business is NOTHING like
that. All the decisions are yours to make, all the work is yours to
do, and all the success and profit OR mistakes and failures will be
yours as well.

Working your own business not only requires a change in what you
are doing, but in how you think. No longer will the luxury of 'letting
someone else handle it' be around. You have to step up your level
of responsibility if you want to succeed.

DESIRE

Sure, everyone desires more money, a better house, more time off,
a nicer car, and all that. However, there is a BIG difference
between sitting on the couch saying, "I wish I had a car like that,"
and having the desire to take the ACTION necessary to earn the
money for the car of your dreams.

There is work that will need to be done. It's NOT going to just
happen upon a wish. The kind of desire it takes to make it while
working from home is a constant ACTIVE desire, not just a
passive want.

COURAGE

Working from home will bring about new challenges for you. It
takes courage to step up and meet those challenges. Each stage as
you progress will require you to learn new skills, face different
obstacles, and complete the necessary tasks at hand.

It's not easy doing things differently,

but unless you do the job you'll
never progress. This is where your desire to succeed will be
tested.

DISCIPLINE

Trust me on this one. It is SO easy to start wanting to live the
benefits of working from home before you've earned them. Sure,
you're the boss, you can take a day off whenever you want, but
then nothing gets done that day either.

You will need to be able to discipline yourself, motivate yourself,
and regulate your activities. You'll still need to work toward goals,
meet schedules, and plan for the future.

Lack of continued effort is probably the number one cause of
failure in home businesses. Many, many people have the desire,
some have the courage, but most still falter when it comes to getting
the work of building their own business done day after day.

It's going to take a while to get where you want, and it will take
continued effort not only to reach your goals, but maintain that
lifestyle once you've gotten there.

Working from home is NOT an occupation reserved for any sort of
elite group. Others that have proven successful at it are no better
than you, me, or anybody else.

It REALLY is possible to make the dream of working from home
come true. Yes, anyone can do it.

It's simply a matter of having an active desire, courage to make
changes, and the discipline to see it all through.

So, IS working from home REALLY for you?

Only you can answer that.

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If you could be taught to work from home by others that are
already achieving their goals, would you listen? We have the
roadmap to success. Do YOU Have The DESIRE? Visit Now!
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Written by Joe Bingham of the NetPlay Newsletter
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------------------------------------------------------------------
About the Author
Joe Bingham is the editor of the NetPlay Marketer -- THE Ezine for READERS!!!
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Submitted by Dr.Shoukath.ND
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