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reliable information on credit cards - online investing - personal loans - owning and operating your own home business. indepth information from professionals in their field. dont forget to check out our links to the best sources on the internet, these days information and research is critical to making the best educated decision to suit your needs.

Tuesday, August 22, 2006

Running Your Own Home Business



Everyone dreams of independence and the ability to spend more time with their family. For many this remains just a dream due to financial obligations that send one or both parents to work full time. For single parents, it can be even more difficult or unrealistic to dream about spending more time at home with their children.

Thousands of people do own their own home business, so it must be possible, but can I do it? That�s the question. How do I get started? How do I go from Joe or Jill NineToFive, to Joe or Jill I�mAtHomeAndILoveIt!

First of all, don�t let anyone tell you that you can just jump up right now and quit your day job. Unless you have a nice nest egg put away, you will probably have to continue working your normal job until you are making enough on your home business to move to it full time.

Anything that is worthwhile takes a lot of sacrifice. There are no free lunches. To keep working and start your home business, you will be spending even more time working than you do right now. Your goal is to become independent, but until you are, your workload will increase.

You have to decide how much �sweat equity� you are going to invest in your new home business. That means that you have to invest time in your business. The more time you can invest, the quicker your home business can support you.

You may have to work your eight-hour day at your day job, then put in another 2-4 hours on your home business. It�s like taking a second job. It�s hard, but the rewards are great in the long run. Better than a second job, though, your home business will eventually pay you enough so you can be your own boss full time.

But the whole reason I want to work at home is so I can be with my family. I hear that from people all the time. We all want things right away, but we know the truth is that we have to work a long time to get what we really want.

Once your home business is able to support you and you can quit your day job, you will have more time with your family. Until then sacrifices have to be made. That�s the reality of things.

Now, if you can somehow involve your family in your home business, you have the best of both worlds. With small children that is very difficult to do, however, if your children are old enough they can help you achieve the goals you set together for your home business.

If you have teenagers, they can answer emails, help you make or package up the products you sell, and maybe even help you run your website. Use your imagination for ways you can involve members of your family and not only will you be able to spend more time with them, your home business will succeed even faster than going it alone.

A new home business is not the only way you can work from home. Look for jobs that allow you to work from your home computer. See if your boss has work that you can do from home. You may find that you actually have more money working part-time at home than working full-time at your job.

When you take into consideration auto maintenance, parking, gasoline, buying lunch, and all the other expenses directly related to your job, you may be surprised at how much of your paycheck goes into continuing to work at your current job.

Only you can decide if working at home or starting your own home business is for you. If you are not a person who is truly self-motivated and self-disciplined, you won�t succeed without that boss to push you. If you do have those qualities and truly desire to have more freedom and want to work at home where your family is, then working at home will be a great adventure for you.

You have to be willing to make the sacrifices and do whatever it takes to make your new home business a success, but in the long run, when you are your own boss and your business is a success, you will look back and say it was all worth it.

-->by: Jennifer Tarzian

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Credit Score, Exactly what is it and how do you determine it?



Credit history have you confused? Every one puts such a huge importance on your credit score. Why is this credit score so important? And how is it determined?

Your credit score is based on multiple variables that are dependent on your credit and amount of money loaned out to you. Your credit, or more appropriately addressed as the ability for you to pay back the money that has been loaned to you, whether it be through a credit card, mortgage, home equity loan, car, RV, boat, motorcycle, rental apartment or town home, or just about anything that involves you paying back money trustingly for the items you have purchased or pay for on a monthly basis.

When your credit score is accumulated, each item is passed through a system where points are either awarded or deducted based on the status of the terms. For example, if you have a specific amount in a loan, and you are paying consistently and on time, then you will be awarded points. However, if you are late on payments, and have many credit cards close to maximum, perhaps have not made every house, car, or RV payment, on time, then you will be deducted points.

The computer program evaluates the awarded points and deducted points to come to a total. This total can range from around 330 to the lower 800's. This score is used to evaluate if you can make your payments and on time.

There is usually a clear relationship between those with a higher score and those with a lower score. Those people with a higher score, above about 680 are capable of paying back the loans that they take out. However, those who have a score below 680 are less capable of paying back their debts on time.

Lenders use this information to determine the terms of your mortgage when buying a home. I f your credit score is up to par, you can expect a lower interest rate, shorter terms, and less fees. However, if your credit score is below the average, then you can expect to have a higher interest rate, more fees, and possibly more expenses that are associated with the lender taking a greater risk with a person that may not be capable to pay back the mortgage in a timely basis.

So as a result, your credit score is a huge influence in the mortgage terms that you can qualify for. Because of this, you should try to clean up your credit score to the best of your ability. This means paying back loans, paying on time, and closing out any credit cards that are not necessary in your financial situation.

There are many things that actually affect your credit score. Keep in mind that if you pay on time and are on top of the debt that you have, having some debt and credit is a beneficial thing. If you can prove that you can handle debt, and pay on time and towards the principal amount, then you will not have as many problems.

If you have too many delinquencies, a short credit history, too many revolving accounts, too few revolving accounts, balances that are close to maximum, too many accounts, and of course major problems such as tax liens, judgments and bankruptcies, then you can expect your credit score to be lower than average.

In order to repair these credit issue to get the mortgage rate that you deserve, be sure to handle any debts or payments that might deduct points from your score. Pay above the minimum, on time, and you will quickly see your credit score increase as the problems are depleted.

The basics for having a decent credit score is to not have too much debt, pay your debt on time, and not have too high of interest rates! If you feel you need to correct some issues on your credit score, then do it! You can end up saving thousands of dollars! Do not buy a home until you are financially stable and capable of maintaining a house. You do not want to take on something that you can not handle financially.

-->by: John R. Blakefield

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