If you would like to earn an additional income from home or start your own home based business, there are many home business opportunities available online. You can plan for your future with a home business without losing precious time with your family or spending most of your salary on high gasoline bills and car maintenance costs.Future SavingsPerhaps you're planning to save a little extra money each month for a future goal - a new car, a new home, college, or retirement. These are great goals and require planning to have successful results; however, working a 9-to-5 job doesn't always provide enough extra income for savings. Most people barely get by on their salaries after paying out for personal monthly bills, groceries, car payments, house payments, daycare, and other expenses. With online home business opportunities, you might earn a few extra hundred dollars per month or even per week with some businesses. Even $100 per week would add up to a savings of $5,200 per year! It can add up quickly.Which Home Business Opportunities are Legitimate?There is a great concern today about which home-based business opportunity is legitimate. Fortunately, you can do a little research and learn from others' experience online. There are many people just like you that are earning a lucrative income on the Web. People make money on the Internet with a variety of talents and interests. They all have one thing in common. They focus on their goals and plan to succeed. To find legitimate home based business opportunities, you should first check with several reputable job sites. There are websites dedicated to providing a legitimate list of work at home jobs. You may even be required to invest a small amount of money to gain access to their job listings. But before you pay, check out the site through the search engines. Search for the company name to see if other people are talking about them (in a good or bad sense). You'll be surprised at how many people will chat about their experiences with business opportunities in discussion forums and chat rooms.Multiple Streams of Income for the FutureAnother way to build a future with a home business is to create multiple streams of income. You can try several home business opportunities that all flow together. If you stick with related jobs, you'll find it much easier. For instance, operating a drop shipping website that sells candles and a separate gift website might be beneficial because they complement one another. You can operate them separately, but the two are so similar that they can both be promoted using the same methods. On the other hand, if you try to start an electronics website along with the candle business, you'll find out quickly that it's too scattered - no focus! You'll be working all hours of the day and accomplishing very little.The key to success with multiple home business opportunities is to be sure they fit together like a glove so you can keep your focus. Once established, you can use these multiple income sources to save for future plans or to quit your day job and work full-time online from home. It's up to you!Investing for the FutureIf you have plans for long-term savings, consider placing your money in an IRA or bonds to earn interest. These will usually earn more interest than a regular savings account but are not as risky as stocks. Also, your IRA will offer many tax benefits. Saving for the short-term is often more difficult because you have easy access to the money at all times. You can create a special bank account for that specific purpose so you won't be tempted with it each time you open your checkbook!Start developing a plan today. The right home business opportunity can offer a bright future for you and your family.
Everybody who starts their own business has high hopes and plenty of reasons why they should succeed. Your idea may be the best of the decade, and you may have all the funding you think you'll need.Then, out of the blue will come a problem you never expected. For one business, their advertising budget ran out right before their service caught on with customers.For another business, sales came in so fast that they had to hire lots of new employees. The hope was that the BIG expense of all those employees would be met in the near future by constantly rising business. Instead, business started to decline, leaving the owner broke and paying big fees to the state after she was forced to let her workers go.Even the mighty Amazon-com almost had to close its doors during its first year, when money ran out before substantial sales started coming in. Amazon was nearly history before it began.The good news, as the government's Small Business Administration attests, is that almost all small business owners pick up the pieces and begin again. Often their next venture succeeds. And economists point to that fact as one of the reasons our American economy is so resilient.No question about it: it can be VERY hard on the owner when a business fails. Creditors can take your home, your car, and put financial strain on your family that could leave your relationships in shambles.Some will tell you to incorporate to protect yourself from bankruptcy, but legal experts say creditors can still come after you.Whatever you do, DO NOT declare bankruptcy unless it is the absolute LAST choice available to you. Congress has enacted new laws that make bankruptcy an even poorer choice than in the past. Upset suppliers, creditors, and customers can make sure you never get another shot at owning a business.Instead, work out terms with those to whom you owe money, and pay off your debts gradually over time. Even if you've got a very long way to go, paying even a little at a time can keep the wolves from your door.It's also good idea to seek credit counseling. A specialist in small business turnaround can help you figure out ways to keep your assets and stop collectors from coming after you. The counselor can also work out affordable terms for satisfying your debts.Frequently, business owners are surprised at just how easy it can be to get out from under business debt. After all, our communities' futures depend on business people getting up and trying again.
Does punctuation matter in an email message? Yes! Why is following the rules of punctuation so important? To answer that question, ask yourself another question are your customers or colleagues going to be comfortable with your work when you cant even punctuate a sentence properly? By using proper punctuation, you can demonstrate that you are professional and competent.Want to see how good your punctuation skills are? Take the following quiz.QuizDirections: Indicate whether the punctuation of each specified phrase is Correct ( C ) or Incorrect ( I ).CI1.(Youre) our first choice for this job.CI2.(Its) a beautiful city.CI3.(Theyre) is a videoconference tomorrow.CI4.Please send the information by (Monday May 5).CI5.The teleconference was held in (September 2005).CI6.In (June 2006), we launched a new product.CI7.Call before (noon, or) you wont be able to obtain a dinner reservation.Solutions1.Correct. (Youre) is a contraction of You are.2.Incorrect. (Its) should be Its Its is a contraction of It is. 3.Incorrect. (Theyre) is a contraction meaning They are. The correct choice for this sentence is There.4.Incorrect. The correct punctuation is: Monday, May 5. A comma is required to separate the day of the week from the month. A comma is also required to separate the day of the month from the year, as in May 2, 2006.5.Correct. Dont use commas when you are including only the month and day (June 1), or month and year (June 2006).6.Correct. Same reason as above.7.Correct. Since the conjunction or has an independent clause on both sides of it, you need a comma. In case you were wondering, the subject in the first clause is the understood you. Since this is a command, the subject you is implied.Score:7 = Youre perfect. (But, you knew that already.) Keep emailing!5 - 6 = Youre okay. You could learn a few tips from my book, Email Etiquette Made Easy (see link in resource box).3 - 4 = You could use some help. Try my book, Email Etiquette Made Easy (see link in resource box).Less than 3 = Ugh! Call me now! Well schedule your intense therapy immediately.
Being able to offer your customers as many payment options as possible can make your business grow in a huge way. By giving them the ability to pay for merchandise with their credit cards, especially if you are an online business owner, you give them an ease and flexibility of shopping that will have them returning time and again to make purchases from you. And with the popularity of online shopping higher than it has ever been, the demands to make your business better are just as great. The vast majority of shoppers prefer to pay for their orders with credit cards, so it makes good business sense that you would offer that option to them. By opening a merchant account with one of the many merchant services available to business owners, your customers will enjoy the simplicity and speed of paying by credit card, and you will see your profits soar. Merchant service firms provide merchant accounts to business owners. A merchant account allows a business to accept credit cards as a form of payment from customers. A merchant account is not the same as a bank account. Rather, a merchant service works to make sure the credit card is verified and that the funds are transferred from the customer you're your business bank account. It used to be that "merchant services" were only available through banks and providers to retail establishments that were located in a physical location, like a mall. But the demands of online shopping have caused many merchant account providers to begin to provide merchant services to online business owners. There are many online merchant account providers that offer reliable and secure services particularly to merchants that sell their products on the Internet. Because there are so many merchant service providers available, it is important to be familiar with all characteristics of merchant services, especially the potentially high costs, so that you don't lose your profits. It is also important to find a merchant account provider that is dependable, trustworthy, and offers secure services for you and your customers. If you open a merchant account for your online business, the type of payment processing usually offered by a merchant account service is real-time processing. Real-time processing is the best solution for online business owners since the charge from the customer's credit card is promptly processed when an order is placed. The customer receives an email notification that the order has been processed and the fund transfer is approved by the credit card company, upon verification and approval of the credit card. You will see the profits from the sale in your bank account within a few days. The potential fees put upon you for merchant services can be numerous. Since not all of the fees are necessary, and not all merchant service providers change them, check around with different providers until you find one with reasonable fees and monthly charges. Some of these fees include an application fee, a monthly statement fee, a discount rate and transaction fee (these are deducted with each and every sale you make), an annual fee, and a refund fee. There are also other miscellaneous fees that individual merchant service providers might charge you. There are many potential costs associated with opening an account with a merchant service provider. Try to compare services before you make a decision. It's also a good idea to try to estimate the monthly costs by using your current sales figures to project expenses. Your relationship with your merchant service provider should last the duration of your business, if possible. You should trust your provider implicitly. Your merchant service provider should offer quick and secure processing of your credit card sales, and they should offer additional services to offer your customers even more payment options. Not only should they accept several types of credit cards (Visa, Mastercard, Discover, American Express, among others), but they should also provide your customers with added payment alternatives, like PayPal. Your merchant service provider should have a good reputation for having excellent service and reliability, as well as having a name for excellent customer relations. They should be equipped to deal with any issues or problems discreetly and quickly. The merchant services provider you choose to make a relationship with can make or break your business between its fees and service. Make sure you know the facts about merchant services and the providers so that you don't lose your dream of being a successful business owner.
Q: Can you tell me the difference between a copyright and a patent? Also is that something I should let a lawyer handle for me? A: A wise man once said, "The biggest difference between a copyright and a patent is the number of lawyers it takes to do the paperwork." There is a point to be made there, mainly that if this wise man had paid his attorney to copyright that tidbit of wisdom I probably would have had to pay him five bucks to use the quote.Copyrights, trademarks and patents are similar in that they are designed by law to protect your rights of ownership, but that's where the similarity ends. A copyright protects a creative work; a trademark protects a brand or company identity; and a patent protects an invention or process. A copyright protects the rights of anyone who creates an "original work of authorship." A copyright owner has the exclusive right to reproduce the work; prepare spin-off works based on the copyrighted work; and to sell, perform and/or display the copyrighted work in public.Copyright protection is afforded to eight categories of creative works: literary works (the written word); musical works (lyrics, music, melodies); dramatic works (plays, scripts, screenplays); artistic works (pictorial and sculptural), sound recordings (LPs, CDs, audio tapes); choreographic works (dance, pantomime); audiovisual works; and architectural works (blueprints, designs, renderings). An original work is automatically copyrighted the moment it is put into a fixed format such as a paper copy or recording. In other words, once you put your original story in writing or make a recording of an original song, your copyright is automatically secured. From that moment on your work has copyright protection for your lifetime, plus 50 years after your death.Registering a work with the U.S. Copyright Office is not required, but since it is relatively simple and inexpensive to do so, I advise that you register a copyright for each work you wish to protect. Also, your copyright must be registered in order to take legal action against someone who might infringe on the copyright in the future.You can register a copyright without the assistance of an attorney. Simply visit the U.S. Copyright office website at http://lcweb.loc.gov/copyright/ and download the appropriate form. Complete the form and send it in with a $30 nonrefundable filing fee. This must be done for each individual work you wish to protect. A patent is a form of protection granted to an inventor that protects his invention in the United States for up to 20 years from the date of application. Patent law states that, "whoever invents or discovers any new and useful process, machine, manufacture, composition of matter, or any new and useful improvements thereof may obtain a patent." Owning a patent gives you the legal right to stop someone else from making, using or selling your invention (or one that's very close to it) without your permission. However, proving that someone is infringing on your patent is often difficult and usually requires a trial to settle the dispute.Since the first U.S. patent was awarded in 1790, more than five million patents have been awarded. The patent office receives more than 230,000 patent applications every year and I can tell you from personal experience that a turtle on Prozac moves faster than the patent process. Patents can take several years, truckloads of paperwork, and considerable legal fees to obtain. The cost of obtaining a patent can run from $500 for a simple design patent to $50,000 and more for a complex utility patent. However, if your company has a truly patentable idea, you would be wise to invest the time and money required to secure your rights. A good patent can be a valuable business asset. While you can file a patent yourself, I strongly advise that you use an attorney since a naively written patent application often isn't worth the paper it's printed on. Just recently my attorney did a patent search for me only to discover that a patent for a similar product was already in place. However, due to the ineffectual language of the patent application, the patent was practically impossible for the owner to enforce. Good news for me. Not so good news for the wise man who wrote his own patent.Here's to your success!