7 Questions To Ask Before Starting A Home Based Business

You can start a home based business much quicker than you probably thought possible. The set up costs for an online business are low and you can be trading within a month. You don’t even need to produce your own products or services. But there are some questions that you need to answer before you start.

1. Who Are Your Target Audience?

Before you start your home based business, you need to have a good understanding of your target audience. A lot of people choose the product or service first, but the best way is to start by choosing your audience. Then decide how to solve their problems with your products or services.

2. Will You Sell Products Or Services?

You can do either, but it’s generally simpler and quicker to start with one. In a service-based business you can start as soon as you establish the services you’re going to offer. With a product-based business you’ll need to either produce the products first or you can sell products produced by other businesses as an affiliate.

3. Are You Ready To Create A Website?

Now that you know what you’re going to offer and to whom, you’ll need to create a website. You don’t have to worry about the technical difficulties of building a website. There are plenty of online step-by-step videos and tutorials that show you how to build a website. Or, if you prefer, you can outsource the job to a web developer who can do everything for you.

4. What Is Your Start-Up Budget?

When starting a home based business you’ll need to decide how much money you have to get your business started. Undoubtedly an online business is a cost effective way to start but you will need some capital to get your website online and for marketing and advertising.

5. Have You Got Somewhere To Work?

You’ll need an area in your home as your office where you can work and won’t be disrupted. If feasible try to have a business computer and not use your family computer for your business. This means you won’t have to worry about your kids needing the computer when you’re working.

6. Are You Ready For Social Media?

Your prospective customers are hanging out on social media. Set up social media accounts for your business such as a LinkedIn page, a Facebook page for your business, and a Twitter page. You have to be on all the social media networks. Just choose the ones that are appropriate to your business.

7. Are You In It For The Long-Term?

You’re not going to make millions in a few weeks. All legitimate work from home businesses take time to gather momentum, find customers and make a profit. If you’re the type of person to give up if you haven’t made loads of money in a several weeks of starting then perhaps the home business world is not for you.

Always prepare before you make a choice. There is so much info about maxspeed at https://maxspeed.ae
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Interesting Facts About Car Tires

There is more to car tires that meet the eye. They are intricate and sophisticated components to nearly every type of vehicle in the world. Without properly functioning and maintained wheels, a vehicle cannot perform to its best ability. There are several facets involved in tire performance, such as wear indicators, revolutions, pressure, tread, and more.

Learning about these topics can be an excellent way to better understand the importance of routine tire maintenance and care. Continue reading to do just that!

Tire Pressure and RPMs

There is in fact a link between tire pressure and the number of revolutions they take per mile. Proper pressure can affect gas mileage and the integrity of tires as a whole. Properly inflated wheels allows a vehicle to get the most mileage out of their tires, all while saving fuel. When they are not inflated properly, they can cause the tires to unevenly wear down. This, in turn, affects the number of tire revolutions per mile.

Drive axels and more are at risk of damage due to over-inflated or under-inflated car tires. To combat this potential issue, be sure to check your vehicle’s tire pressure on a routine basis. Also, be sure to take your vehicle to a licensed auto shop for routine balancing and tire rotation services.

Tire Wear Indicator

Many people are unaware that tires have an indicator that “indicates” the degree of tire tread wear. These look like little nodules inside the grooves of your vehicle’s tire tread. Using mechanics, these indicators accurately gauge tread levels.

Tire tread indicators are not blatantly visible on all vehicle tires. They may only be visible once the tread has worn out some. A tread depth tester tool is used in most mechanic shops to measure tire tread and assess the degree of wear and tear. This tool will indicate whether or not tires need to be replaced, and when. Keep in mind that front tires wear more quickly than rear ones do.

How to Measure the Depth of Tire Tread

For those who wish to measure the depth of their vehicles tires on their own without a tread tester tool, they have the option of trying the tire tread penny trick. Most states command that all vehicular tires must retain a tread depth of at least 2/32 of an inch thick.

This state-mandated depth is measured from the top of the tire tread indicator to the top of the tire’s tread. The interesting part about this is that a copper Lincoln penny measures exactly at 2/32 of an inch tall! This makes it so easy to test whether or not your vehicle’s tires are at a legally depth.

Simply place the penny on top of the indicator, with Abraham Lincoln upside down, and observe whether or not you can see the letters on the penny. If you cannot see the letters, your tire tread is still legal and in a good place. If you can see the letters, your tread depth is too low and your tires will need to be replaced.

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Stash Your Cash – A Safe Haven for Your Savings

In the times we’re living in today many people are looking for alternative ways of saving their money. As inflation and debt levels continue to soar while wages remain stagnant, it’s becoming increasingly difficult for people to grow a nest egg.

In the book, “The Richest Man in Babylon”, Arkad was widely known for his great wealth. The story suggests he had a working theory of, “A part of all you earn is yours to keep. It should be not less than a tenth no matter how little you earn… pay yourself first.”

Unfortunately, most of society has strayed away from this thinking.

The fact is Canadians aren’t saving as they once did and collectively are holding record high levels of debt. The average household savings rate in Canada has dropped from about 20 percent in the 1980′s, to 5.8 percent in the fourth quarter of 2016.[i] Many people believe they cannot save because after paying “all their bills” there’s nothing much left. However, understand that in most cases if you’re attempting to save after paying all your bills you may find this strategy to be futile. Instead, get in the habit of saving first or, consider it paying yourself first. Once you’ve developed this habit then you can look into what vehicle you want to save your cash in.

Generally speaking, when people DO consider saving often times the traditional approach is taken; open a bank savings account and dump as much cash in it as possible. Sit on it like a goose sits on her eggs and wait for your savings to hatch. The sad reality for most however, is making a future cash withdrawal only to be afforded the ability to buy less with their savings because inflation has eaten away at it. And you’ll always be on the losing side of a bank savings account because interest rates are not higher than inflation.

Another option many consider is putting money into the stock market however, one should not consider the stock market as a savings vehicle because the stock market has had a history of crashing dating back to beyond 1929.[ii]

Search the definition of saving in Webster’s dictionary and see “preservation from danger or destruction” while the definition of investing reads, “to commit (money) in order to earn a financial return.” Neither method is good or bad but you must understand which it is that you’re trying to do.

Finally, during my research I have found throughout history when people lose faith in their national currency, the banking system that controls it and their governments, many rush back to gold. Gold is the oldest form of money and has proved to be a safe haven for centuries. Gold cannot be printed, debased, or inflated. Simply put, gold is financial insurance.

To understand this concept more, it’s important to start investing in your own education. Financial literacy should be taught in our school system however, sadly it is not. If you are concerned about where to stash your cash so that you can protect your money from danger and destruction, you will have to take those matters into your own hands. And for good reason too, your savings should be in your hands because your economy should be the most important economy to you!

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5 Ways To Prevent Identity Theft While On Vacation

Going on a holiday is one of the best ways to get rid of stress, explore new culture and places, and connect with new people and build a lifetime friendship. Unfortunately, we all know that holidays can be ruined by criminals. Taking some precautions before you leave home will make a difference between a long-term nightmare and happy memories. Here are these five simple steps that you can take to prevent the identity theft:

Get Out Your Wallet – you’ve been importance to do this in any case. Shred all receipts or document them at home. Put your checkbook in a sheltered place in your home, and utilize your credit or charge card while voyaging, or voyager’s checks. Leave gift vouchers at home unless you plan to utilize them traveling. You ought to never routinely convey your Government managed savings or Medicare cards. If any of these are in your wallet, evacuate them forever.

Advise Your MasterCard Supplier – Once you’ve chosen which credit or check card to go up against excursion, contact the organization to tell them where you’ll be voyaging and for to what extent. In like manner, contact the suppliers of cards that you’re deserting. The extortion units of all cards will know where you are to avert unapproved buys.

Take An Extra Wallet – Tuck a tad bit of money inside alongside an inn keycard from a past excursion. Men ought to convey this in their back jeans take while ladies ought to convey this at the highest point of things in their satchel. In case you’re the casualty of a pickpocket, this wallet will be stolen, not your genuine one. In the event that a looter requests your wallet, hand over the extra.

Try Not To Post Trip Photographs Via Web-Based Networking Media – Post notices that you’re far from home and fun get-away photographs may appear like a smart thought, however truly any of this individual data is helpful both to criminals and personality hoodlums.

Telephone Calls From “Front Work Area Fraudsters” – In the event that you get a call from the “front work area” saying there’s an issue with your Visa and they require a number from an alternate card, considerately disclose to them that you’ll get back to in a minute and hang up. Call the work area yourself to check if the call is honest to goodness. You may discover that a character hoodlum was attempting to take your card number or, if there is a veritable issue with your card, call the organization to settle the issue.

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Safety Tips for Night Driving

Night driving can be a lot of fun. You can turn your music up loud, there’s less cars on the road and less distractions. However, driving at night, especially longer distances can be tricky and have more dangers than daytime driving.

Did you know that more crashes and auto accidents happen at night? It’s true, there’s about 1 and a half times more crashes at night than during daylight hours. In addition, nighttime crashes have a higher fatality rate as the crashes tend to be much more severe. In fact, the fatality rate for nighttime crashes is almost 4 times the fatality rate as those that occur in daylight hours.

The main issue that contributes to this is the decreased visibility you have at night. Not only is your depth perception, peripheral vision and color perception less at night, but road markings and signs are simply harder to see at night. The older you get, the more trouble you may have with driving at night, since a 50 year old will need more light to see than a 20 year old driver. Fatigue can also be a factor, for both old and young people.

Here are some essential safety tips to help you drive at night with less worry:

First, always make sure that your mirrors and windows are clean, as any dirt or dust on these areas will increase the glare you get from lights and oncoming cars. Also make sure your headlights and tail lights are clean to make sure others can see you. Whenever you stop for gas, make it a habit to clean your windshield.

Next, make sure to turn your headlights on before the sun sets. You’ll also want to keep them on until at least an hour after dawn.

Speed is a big factor in crashes, so be sure to obey the speed limit at night. In addition, visibility, even with your high beams on, is much less at night so obeying the speed limit is critical to be able to stop for any obstacles in time to avoid them.

Since there’s a lot of glare at night, you’ll want to check your side and rearview mirrors frequently, this can help lower eyestrain and keep your eyes focused.

Never drive when you are sleepy. Drivers who are sleepy are almost as dangerous as drivers who are under the influence of drugs or alcohol. If you’re sleepy, stop and get a cup of coffee to make sure you stay awake, or take a nap in your car until you feel refreshed enough to drive again.

Should you have car trouble, always pull over to the shoulder of the road and make sure to turn on your hazard lights so others can see you.

Also, be sure to watch the roadsides for the reflection of any animal’s eyes. You’ll be able to stop or slow down more easily if you spot them before they run into the road.

Use your high beams and fog lights only at appropriate times. Don’t use high beams if there are oncoming cars or fog lights if it isn’t foggy.

It’s smart to be a defensive driver at night, especially on weekend nights, due to the higher risk of encountering drunk drivers.

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April Is Financial Literacy Month, and We’re Excited to Boost Your Kid’s Money Management Skills

Research shows that youth in America have a lack of understanding when it comes to proper money management skills. Teaching kids how to appropriately manage their finances is essential so they have the necessary tools to become financially responsible adults. Below are tips to help teach children about appropriate money management.

Use Cash – It may be true that credit and debit cards are more convenient to use, but children pay attention to how adults manage their money. Using plastic doesn’t allow them to see the actual interchange of money for purchases. Let the kids see that in order to make a purchase you have to hand over cold hard cash.

Don’t Spend the Money As Soon as You Get It – Always lead by example. Before you go shopping always create a budget, spell out what you intend to buy and compare prices of each item. Teach children that it pays to plan all your purchases before you buy.

Teach Kids About the Importance of an Allowance – Most allowances are tied to chores like making beds, doing dishes or taking out the trash. It’s always beneficial to give them the opportunity to earn additional money for larger chores. However you chose to dole out the allowance, it’s also important to accentuate that saving and sharing are just as important as spending. Teach kids to set aside money in their piggy banks or use a bank account to reserve portions of their allowance.

Bank & ATM Visits – Visiting the bank or the local ATM is a perfect way to explain where money comes from. Explain that banks don’t just give out money but it’s a place to keep the money they’ve earned. Call and arrange with your local credit union a tour of the branch to show how money is stored and dispensed.

Delayed Gratification – Teaching kids that good things come to those who wait will help battle the buy now, pay later attitude. Always reinforce the idea that waiting pays off. This approach could help them ward off credit card debt later in life.

Brand Names Do Not Always Mean Better – Reinforce that it’s not always beneficial to shop by brands. At the grocery store illustrate that generic products can save significant amounts of money for people on a budget.

Keep Track of Their Money – Show children the importance of knowing where their money is going. Have them keep track of their money in a notebook or on the computer. You can even make a file where they can organize their store receipts and bank statements.

Wants vs. Needs – At the center of any good money management program is the capacity to differentiate between wants and needs. This realization will help build the groundwork for managing finances as an adult.

Build a Budget – Have your child sit down with you and generate a monthly budget. Explain the reasons to keep track of all monthly expenses and then see how much money is left over to either save or make a purchase they want instead of need.

Create a Wish List – It’s hard for everyone to have priorities, so sit down with your kids and make a wish list of everything they want to do with their money. It will help to rank the items on the list by importance.

Games & Other Budgeting Activities – Games like Monopoly, Life and Easy Money are great ways for parents to practice money management skills with children. Research the Internet for other fun ideas and activities to promote children’s financial literacy.

Make the Most of Their Savings – Present your child with different savings accounts that could earn them interest like CD’s, bonds or regular savings accounts. Work with an interest calculator to show them how their money can grow over time with basic monthly interest. I’m sure they will be amazed.

Sound money management is a life skill you can teach your children, especially when they are young. Using yourself as an example is very important as they engage what’s going on around them. Make sure your lessons are age appropriate in an effort to lay a solid foundation for good money management skills as they grow into young adults.

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Yes! You Need A Huge Dose Of Persistence To Succeed As A Home Based Entrepreneur

In this article, I’m going to discuss PERSISTENCE as an important aspect of the Success Motivating Matrix.

“When the going gets tough, the Tough get going”

“Winners never quit and Quitters never win”

You may be wondering why I started with the quotes above. I’ve used these quotes because they aptly describe the topic I’m about to discuss.

They’re all quotes/phrases that show in different ways, the sentiment people have attached to Persistence.

Persistence is really a very important and necessary characteristic for success as a Home Based Entrepreneur.

After over two decades of my involvement with entrepreneurship both as a Serial Entrepreneur and a Trainer, I see entrepreneurship as a way of life. You learn from your mistakes and try to improve on your next endeavor. Though it’s possible, but It’s not usual for an Entrepreneur to succeed at the very first attempt.

As a determined entrepreneur, you must develop the persistence and burning desire to succeed.

First you develop the idea for the business, make your plans and start the business.

As you go along, there’ll always be times when you feel you’ve hit a brick wall. These could come in different ways – it could be that government just introduced a new policy that may not favor your business or a product innovation introduced by your competitor may be nipping the market share from you.

The Entrepreneur may even be overwhelmed by the share operations of the business.

At such times you must remain focused on your business ideas, readjust your plans when and where necessary to take into consideration, the unfolding events in your business niche.

This is why a well written Business Plan must be flexible enough to embrace any developments that may come up as business operations continue.

The ability to stay the course and maintain focus despite opposing odds is what defines PERSISTENCE.

Being persistent is the mark of a true fighter and for you to succeed as a Home Based Business Owner, you must have a good dose of Persistence.

Persistence is a very critical success factor for any Entrepreneur. There are other necessary success factors but persistence is definitely very important in the Success Motivating Matrix.

You must have faith in yourself and your business idea because other people may not believe in it.

This reminds me of the story of Henry Ford. Mr Ford had failed in five business ventures before he launched The Ford Motor Company which turned out to be a huge success.

Mr Ford also showed much persistence when he wanted to develop a car with V8 engine. His engineers kept telling him it was not possible but Ford insisted it could be done and on each occasion, persuaded and cajoled them to continue with the project.

Eventually success smiled on him and a car with a V8 engine was born. This was a classic case of what persistence can achieve.

Indeed, history has shown that when Persistence is applied positively, all the laws of nature conspire and converge to grant the Entrepreneur a reprieve.

I always encourage my Trainees to have faith in their business ideas and personal ability to make their business succeed.

I believe that Persistence is an attribute of success that can be learned under the right circumstances. I make my Trainees to understand the importance of Persistence and many have gone ahead to succeed beyond their dreams.

As a Serial Entrepreneur, my strong belief is that you learn from your mistakes and failures and carry these over to the next business enterprise

You don’t abandon ship just because of a bad storm experience. Instead you build on your experience and try to take better decisions next time.

However, It’s instructive to state that you must know when to stop being obstinate with your Persistence and instead adjust your plans or use another approach to achieve the desired results.

Thank you for “persisting” to the end of this write-up.

Do you have anything to add to the ideas expressed?

Please feel free to express your thoughts and send in your comments.

Hi! my name is Rex Vincent. I’m a Bu!siness Coach, Trainer and Mentor. I’m the founder of Homebizopedia.com. Here at Homebizopedia, we provide bespoke solutions for Small Businesses.

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Benefits of Bespoke Family Holidays

Planning a family holiday can be such a daunting experience. You have family members of all ages and everyone has different interests. This means keeping everyone entertained and considering everyone for the holiday can be exhausting, frustrating and in some instances, make you want to scrap the idea completely.

Bespoke family holidays can provide you with an extensive range of benefits that will provide you and your family with your dream holiday at a price you can afford. So how does these holidays benefit you in the long run?

The first benefit you will find is that you remain in complete control of your own holiday. You are not just agreeing to what is available, but rather working out what your family wants and what you want to do and then having a holiday that meets all of your holiday needs. This is a great way to go on holiday, as you know that the whole family is going to have the memorable experience that they deserve.

The second benefit of bespoke family holidays is that you can incorporate activities that everyone will enjoy. Depending on where you decide to go and the type of holiday you want (seaside, city or skiing), you will be able to focus on activities around the area so that everyone gets a chance to do something that they enjoy when on holiday, which means the entire family is happy and you all come home relaxed and refreshed, rather than irritated and frustrated.

Then you will find with the bespoke family holidays that you can enjoy your holiday at your own pace. If you choose a specific tour, for example, you will be working to the tour operators pace. When choosing one of these holiday experiences, you remain in control and therefore the holiday you have been dreaming of isn’t a rush, you can visit places, spend the day at the beach or find a nearby day spa, if the resort doesn’t have one. Either way, you are guaranteed a more relaxed pace that you and your family can work to.

The bespoke family holidays are arranged just for you. This is a major benefit. You can approach the specialist travel agency, advise them of the type of holiday you want and what your family wants to do and see and they can put a package together that will meet your unique holiday needs quickly and effectively.

In addition to this, the bespoke family holidays can be arranged within your travel budget. Ensure you have a budget in mind before you start shopping around, as this will help you identify what you can afford for the period you want to be on holiday. Remember look for holidays that are all inclusive or include certain activities, as this can reduce your overall cost in the long run, giving you more spending money and ensuring that your budget goes that little bit further.

The final benefit of the bespoke family holidays is the extensive selection that is available to you. You don’t have to simply accept one deal because it sounds good. You can spend some time, find a choice of deals and then identify the one that is going to meet your family’s unique holiday needs and budget.

Ensure you choose a professional bespoke family holiday specials company that works alongside the resorts and hotels to secure you a deal that is guaranteed to impress you and your family this holiday season. Do your research, identify the company’s strengths and identify what deals that they have that makes them your number one choice.

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Getting Pre-Approved for a Real Estate Loan

What does it Mean?
There is a difference between getting pre-qualified and pre-approved to buy one of the condos for sale downtown. The difference is a pre-qualification means you may be able to get the loan based on skimming of your income and other information. This is why you may get pre-qualified credit card loan offers from time to time. The information usually comes from a list.

When you are pre-approved for a real estate loan, it means you are able to get that money. You can use it to buy one of the condos for sale downtown that you are in love with. This process involves you actually applying for a loan, providing all of your documents, and completing everything the lenders needs to get you approved.

They will tell you the amount of money you can borrow and the interest rate. The offer is going to be good for a set period of time. Typically, it is going to be up to 90 days after you have been approved. Armed with this information, you can start looking around. Once you find the place you wish to make an offer on, they can help you to proceed.

Know what you can Afford
It doesn’t make sense to look for condos for sale downtown that are outside of your price range. With the pre-approval process, you are able to shop within your market price. You can use filters online to find those at or below your approved amount. You can talk with a real estate agent and they can refer you to real estate on the market that fits that amount too.

If you can find one of the condos for sale downtown that you want to make an offer on that is less than you were approved for, that is exciting! Not only does it mean you can buy it, but it also means you can reduce your monthly payments below what you know you can pay. That means more money for savings or you can use it to pay off the mortgage early.

Make an Offer
You have bargaining power with the pre-qualification for a mortgage loan. When you make an offer on one of those condos for sale downtown, the seller is going to see you are already approved. It can be enticing to them to accept the amount you offer rather than to hold out for another offer to come along.

Since you are already approved, you aren’t going to be on pins and needles after the offer, hoping you can get the money. It is very upsetting to some consumers who find the perfect place but then they can’t get approved for the loan. The closing can be done in less time too if you already have your loan approval completed.

Sometimes, there are credit report issues that prevent someone from getting the loan. Finding out about them early on before you look at property can be helpful. It gives you time to evaluate the situation and to work to clear it up. Then you can move forward with buying a place and not have unexpected surprises crash your dream.

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Practical Tips for Taking a Good Passport Photo

Getting a high-quality passport photo doesn’t need to be an arduous and time-consuming process. A simple solution is to take the photo yourself to avoid the time and expense of using the automatic machines at airports and train stations. Here are a few tips for taking a passport photo:

Daylight is best

The best time to take the passport photo is in the day when there is a lot of natural light. Stand somewhere that gives plenty of natural light to avoid shadows on the background or face. It is important to use flat lighting to minimize the risk of a photo being rejected due to shadows.

Facial expression

Take the photos while holding a natural, relaxed facial expression. Make sure to avoid blinking, smiling, or any other expressions. Use the camera’s self-timer and take several snaps and choose the one that is most appropriate.

Plan what to wear

It helps to keep it professional and wear a collared shirt or blouse. Try to avoid the loose-fitting clothes that don’t give the best look in photographs. A light-colored shirt is great for those with dark hair, while a dark top is practical for light hair. Also, it may be practical to groom yourself. Get the hair cut if necessary and wear neutral make up to stop a photo looking unflattering and garish.

Your surroundings

It is essential to have neutral surroundings when taking the passport photo. A light-colored background is the preferred option. Avoid dark or bright colors for your surroundings. For instance, a red background can create a luminescence effect that is likely to reflect back onto you. Try to recreate something similar to a photo booth with the clean and light background.

Use passport photo software

The passport photo software makes it really easy to click and select a preferred picture and have it printed out in a matter of minutes. The actual photo can be taken using a digital camera with a timer feature, or have a family member take the appropriate picture. The software gives the option to edit, crop or rotate the image to match the exact criteria of the passport. However, it is essential to avoid any post production that manipulates your appearance because this will likely mean the photo gets rejected.

Once the editing is done, use a high-quality photo paper with a decent resolution at the same onscreen size. The photo must be free of marks, creases and tears, so make sure to avoid using low-quality paper.

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