A Brief Look at Business Loans

A Brief Look at Business Loans
Copyright © Jose Love


http://www.yourescape.2freedom.com

The first stop for most young entrepreneurs is the

procurable of a business loan from the local

lender. There are several types of loans readily

available for the small businessman who has all his

ducks in a row, and a business plan showing that he

or she knows what they are getting themselves into.

Banks and the Small Business Association are not in

the business of charity, though funding small

businesses is seen as something more substantially

social than a personal loan with high interest

rates. For someone with a college degree, some

substantial collateral, and a smart business plan,

getting a loan should pose no problem. Here are

some of the loans available for the small

businessman.

Micro loans are the smallest category of these

business loans. The cutoff for a micro loan is

usually $35,000, and they typically require a

certain pedigree of training and other requirements

before the banks and/or SBA parts with their money.

Micro loans always require collateral of some kind

as well as a personal guarantee from the lender.

The Small Business Administration has their own

lender programs, and is the first place to look for

many aspiring small businessmen. They offer a

variety of loan guarantee programs, each of them

with their sets of requirements and collateral, and

each reaching various heights of maximum lending.

It is important to note that the SBA does not

actually lend money itself, but rather offers

programs intended to help the small businessman

secure a loan from a bank or otherwise authorized

lender. SBA loans vary in their requirements, but

most of them require at least that the small

businessman himself has put some of his own money

into the venture. They see this as a positive sign

of good faith, and also see it as likely that the

individual with his own money at stake will do all

that he can to see a return on his investment. They

usually require a strong and sharp business plan as

well. These plans show lenders that you know what

you’re doing and have set some specific financial

goals for the future of your business. Good credit

is also a must for getting into the SBA loan

programs.

Franchise financing is what the potential

franchisee will want to look into. These loans can

be easier to secure than traditional,

start-from-scratch business loans. Most franchises

have an established history of profitable business,

and the larger ones have a set path for making

money in just about every conceivable scenario.

Many times the franchise company itself will put

forth money for the loan, encouraging young

entrepreneurs to get into the business, which

benefits both the company and the small

businessman.
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Running a Retail Website: What You Need To Know

Running a Retail Website: What You Need To
Know
Copyright © Jose Love


http://www.yourescape.2freedom.com

Of the many potential home businesses, a retail

website is one of the best. Running a retail

website isn’t the easiest thing to do in the world

– but neither has it to be the hardest thing you’ve

ever done. Whatever the goods and services that you

are selling, there are ways and means to make it

work just a little bit better. Here are some tips

that can help you improve your retailing efforts –

and, by extension, your home business.

Create a

niche site. If you want to make it big in the

retailing business, you should have a site, or a

group of sites, that cater to specific customer

groups or to specific products. A “supermarket”

set-up on a retailing website, wherein everything

is thrown together, simply will not work. People

can easily get confused in such an environment.

Confusion can lead to frustration, and frustration

can lead customers to simply give up. A niche site

must be focused, targeted, and relatively easy to

navigate.

Make your site easy to navigate.

Everyday many people are getting on the internet

for the first time. Some of these people are going

to go on your site. If these people cannot navigate

your site, then chances are nil that they will buy

something from you. Make it a practice to review

the layout of your site from time to time. Is it

simple enough? Imagine yourself going around the

site for the first time. Is the overall arrangement

conducive to persuading people to make purchase?

Advertise, advertise, advertise. You can’t expect

anyone to buy from you if they don’t even know that

you’re in business. You should advertise in every

possible way. Over the internet, this means giving

out links and reciprocating people who link their

sites to yours. It means writing articles that can

extend your visibility. It means getting optimized

for the search engines. However, you can also

advertise conventionally. For instance, you can

post banners and give out flyers and stickers. You

can spread your business information by

word-of-mouth as well – which is arguably the most

effective way, anyway. A shining recommendation

from a friend can do more than a thousand

stickers.

Sell quality products. The only way to

make money in retailing is to keep people buying

from you again and again. And the only way to do

that is to provide goods and services that are well

worth the money. Remember that people must feel

satisfied with their purchases, else they probably

never will purchase anything from you again. If you

have excellent products, people will find their way

to you, even if you don’t expend as much effort

advertising them.

By applying these basic tips,

you should be on your way to creating a great

retailing website.








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How To Start Your Own Scrapbook Making Business

How To Start Your Own Scrapbook Making
Business
Copyright © Jose Love


http://www.yourescape.2freedom.com

Making scrapbooks is one of the biggest industries

in the country today. According to studies, the

scrapbook industry earns about $3Billion each year

and this figure keeps on growing. Since scrapbook

making can be done in the comforts of your home,

this can be a very lucrative home business for

creative people. The good thing about the scrapbook

making business is that it does not really require

a huge amount of capital. If you are creative and

you know how to make use of whatever materials that

are available, you can already create good

scrapbooks.

Learning the art of scrapbook making

Starting out a home-based scrapbook making business

is easy especially if you are naturally creative

and artistic. However, to make sure that you are on

top of everything, before you start your own

scrapbook making business, you must first learn all

that you know about this hobby. First, you must

know the different techniques of scrapbook making.

Read books and magazines about this business. You

may also enroll in one of those scrapbook making

classes. Practice what you have learned and then

improvise. Always remember that scrapbook making is

an art. Be creative. Always remember that the more

unique your scrapbooks are, the more clients you

will have.

Getting supplies

If you want to engage in the scrapbook making

business, you must know where to get good

materials. Locate a good supplier of paper and

trinkets in your locality and make sure that you

have enough supply of good materials all the time.

If you are planning to do a lot of scrapbooks,

better buy your materials in bulk and get some

discount. On the other hand, if you have no time to

run around town and shop for papers and trinkets,

you can just go online and take a look at those

sites that are selling scrapbook materials. The

good thing about buying your supplies online is

that you get to save a lot of time and effort. Just

make sure that you order your scrapbook making

supplies form reputable online stores or else you

will soon find yourself with some materials which

are substandard or worst, your credit card could

get high jacked and you lose a lot of money.

Marketing your product

The best way to market your product is to create

samples and present them to your friends and

relatives. You can start by asking close family

members friends if they want to have keepsakes are

custom made. You may also display your designs

during family gatherings and special occasions so

that people will have some ideas of what you can

do. If your designs are really good, a lot of

people will be calling you about their scrapbooks

sooner than you can imagine.


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How To Start Your Own Home Based Accounting And Bookkeeping Business

How To Start Your Own Home Based Accounting And
Bookkeeping Business
Copyright © Jose Love


http://www.yourescape.2freedom.com

Are you one of those people who is tired of being

confined inside your windowless office cubicle? If

you have been feeling claustrophobic in your small

cramped cubicle with nothing but the computer

filled with accounting files, now is the time for

you to get out of there and look for something that

will not really drive you crazy. There is really

no point of torturing yourself and getting all your

nerves worked out even if the job does pay the

bills. Always bear in mind that you are not here in

this world simply because you need to pay the

bills! You have to live your life a little and have

some fun.

Now, just because you are miserable with your

present job, that doesn’t mean you have to dash out

of the door right this very minute and never look

back. Much as we hate to think about it, we do need

to pay the bills, eat and have a roof over our

heads. If you really want to quit your job, you

better look for alternative means of income first.

Much as you would like to get away from your

workplace fast, you will need your day job to keep

you afloat while you set up your home business. To

inspire you to work hard on your home business, set

a target date when you will quit your job. Keep

your target in mind and strive hard to build your

business.

Since you are an accountant, you might want to

start offering your services as bookkeeper or

accountant to small businesses around your

community. There are probably a lot of small

businesses around your community that need your

services so start calling on people who might be in

need of accountants or bookkeepers. If you know

some people who are into home based business, give

them a call and ask if they need your help. You

will be surprised at how many people actually need

accounting and bookkeeping services.

Another way for you to advertise your services is

to print some brochures describing your work

experience, the services that you are offering and

your professional fees. Distribute your brochures

together with your business cards to family members

and friends and ask them if they know somebody who

might be interested in your services. More often

than not, someone in the family does know somebody

who is in need of accounting services.

It may take you sometime before you can finally

build a good accounting and bookkeeping business.

If things are not moving as fast as you would want

it to be, be patient and don’t stop trying. Sooner

or later you will be able to get enough clients and

generate some good income.
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How To Set Up A Simplified Accounting System For Your Home Business

How To Set Up A Simplified Accounting System For

Your Home Business
Copyright © Jose Love


http://www.yourescape.2freedom.com

A lot of home businesses fail because they lack the

necessary financial system to track down the flow

of their money. More often than not, home based

business owners are not really very keen at keeping

their books of accounts, thinking that as long as

money keeps coming in, they will be alright.

Unfortunately, things are not really that simple

when you are engaged in business. If you want to

stay in business for a long time, you will need to

keep track of your financial flow for your own use

and for taxation purposes. Note that if you do not

keep track of your income, sooner or later the IRS

will be on to you and you will get into big trouble.

Setting up your own simplified bookkeeping system

is not really very complicated. If you like to keep

your records in your computer, you might want to

buy accounting software or just simply use whatever

programs that will allow you to make a spreadsheet

in your computer to record your daily transactions.

However, you have some money to spare for an

accounting program, it would be better to have one.

There is a number of easy to use accounting

software being sold in the market today. The good

thing about these accounting programs is that you

do not need to worry about balancing your books of

accounts. You simply input all your data in one

page and the program will run on its own. Most

accounting programs will automatically perform the

different accounting process and will immediately

update your statements of accounts. Retrieving data

from an accounting program is also easy. All you

need to do is to go to it archives and select which

ones you want to see. For instance, if you want to

know how much your net income is for the month, you

simply pull-out the income statement page and you

will see your income instantly. Another advantage

of using a computer accounting program is that you

get rid of all the papers and ledgers in your

workplace.

Now, in case you are not comfortable using your

computer to balance your books, then you just have

to do things the old-fashioned way. What if you do

not know anything about accounting processes? Never

mind if you are not good in accounting and

balancing statements of accounts, just keep a

simplified record of your transactions. A three

column worksheet will do nicely. You can easily

find this type of worksheet in the bookstore. When

dividing your worksheet, you can have one column

for all the money you received in connection with

the business, another column for all the money that

you spend for your business and the third column

will be for your running balance.---------------------------------------------------
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Drop Shipping Can Save You Time & Money

Drop Shipping Can Save You Time & Money
Copyright © Jose Love


http://www.yourescape.2freedom.com

Saving time can mean saving money as well when you run your own business. Choosing to use drop shipping can save you both.

If you own your own business and sell items online drop shipping might be the option for you. You market and sell items online at the price you choose, after you sell the item and receive payment for it you place an order at the whole sale price with a ‘drop shipper’. The drop shipper sends the product directly to your customer and you get to pocket the difference. While this sound’s like a terrific plan there are some things you should be aware of and you should definitely do your homework well before deciding on this as an option for you.

The very first thing you should do is find a product that will sell. Not only should it be something that will sell well, but it should also be something that you can sell a high quantity of at a significant mark up to provide you with a decent profit. Doing your research will greatly increase your chance of selling products that will make you a profit. Choosing items that people really want will also help you to make a profit. Research should be done to find out what product or product line should be used, as well as how high the demand for that product is.

The best way to go about this type of business is to sell only a few products, or be sure that the products you sell are generally related. If you try to sell every drop ship item you find you will not be able to keep up with the orders or your marketing efforts could fail because your site will not be clear enough for buyers to maneuver. Choosing items that are similar will give you an easy marketing strategy and provide a clear web site to market your items on.

Next you will want to be sure you find a reputable supplier. A business that is reputable and processes your orders promptly will ensure that your reputation stays in tact. Over the years this type of business has really sky rocketed and the scams have followed. Researching each drop shipper before doing business with them will save you in the long run.

Have a plan in place to deal with back orders and returns. This can happen and without a plan in place you could lose business and be out money. By taking the time to work these things out with your drop shipper ahead of time you can save yourself some major headaches.

By learning all of the essential rules before starting your drop shipping business you can create a very profitable business.

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Does Your Business Need an Overhaul?

Does Your Business Need an Overhaul?
Copyright © Jose Love


http://www.yourescape.2freedom.com

If you have noticed sales have been slipping over

the past few weeks or months, you may need to

change your strategy or your business entirely and

begin offering new goods and services. Depending on

your customer demand, you may only need to change

your website or begin offering more products. But

before you make any big changes, you should find

out why business has slowed and what your customers

expect from you.

The first step to overhauling your business is to

send out a survey to existing customers asking them

for input on the goods and services you offer. This

will give you an idea of the types of changes you

may need to make. By learning more about what

customers expect, the changes you have to make may

not be what you expected.

After sending out a survey, you should visit your

website to see if there are any obvious changes to

be made. Make sure your site can be navigated

easily, that all links within the page are working

properly, and that all pages are labeled correctly.

You may need to update your pages with new colors,

images, or content. One of the best ways to ensure

return customers is by offering new content each

month and archiving old content so visitors can

access it when they want. Sprucing up your website

is an inexpensive change that could affect your

business.

Developing new marketing techniques or targeting a

new group of people online can help build your

business. When targeting a specific group of

people, you will have to find out which sites they

are more likely to visit, which blogs they read,

and which products they would be interested in

purchasing on your website. In order to be

successful, you should target two or three specific

groups so you have a better chance of reaching

potential customers. Unless you sell a niche

product that only appeals to a certain group,

attracting the attention of a few groups is best.

Once you have reviewed your marketing strategy,

introduced new products on your site, and altered

the look of your site, you should send out

announcements to everyone on your email list so

they can visit the site. This will increase sales.

Writing a press release announcing these changes is

another way to help spread the word. Maintaining a

certain level of exposure online is the only way to

enjoy continued success when running an Internet

business.

Overhauling your business may need to happen every

few years in order to attract new groups of

customers. Be patient and affect changes as they

come. Utilize all the marketing tools you can in

order to build your business so it can remain

successful.
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