Every day there is someone sitting at a desk working for someone else who wishes they could be at home running their own business. These people are afraid of leaving because they have no idea how to start a home business, let alone what type of business can be run from home. Carefully choosing the right business for you, as there are many to chose from, is the first step to the financial freedom that comes with owning your own business.

The person who has always been great with children has ideas of running a child day care program but doesn’t know how to do it. There are community college courses that provide degrees in Early Childhood Education that can put that person on the right track for creating their own home day care. Many people find in-home day cares to be better than large company day cares not only because their child gets more one-on-one attention but also because the price is better.

At-home companies that center on artistic careers have become more popular in the last decade. People have begun running interior decorating, floral design, and bridal consultant companies from their own home. It is cheaper to run this kind of business from home rather than lease an office that the owner barely visits due to being at other’s homes working.

Businesses owned by auto repair mechanics can be run from their garages with great success. Many people often fear mechanics in large companies because they think they are being fooled into paying for repairs that are not necessary. A mechanic who works from his own garage seems more down to earth and less out to part a desperate motorist from his or her money.

Electricians can also work from home. Electricians do not need a big office as the center for their work as the work takes place in other people’s homes or businesses. Consultations and evaluations happen at the place where the electrician is needed, not an office.

Realtors and home inspectors are essential beings in the real estate business. These businesses do not necessarily need offices either. The majority of the work is outside of the office except for the paperwork, which can be completed in a nicely set up home office.

Another business that has the option of a nicely set up home office is a private investigator. As private investigators are independent workers who are hired by companies and individuals, consultations can be done in a private home office. Retired police officers or people interested in investigation can easily research the state laws about how to obtain private investigation licenses.

A business that is on a rise in the market is pet grooming and pet day care. People love their pets just as much as they do their children and are willing to pay for services to make their pets feel loved. These services can be given at home with a well-fashioned extra room set up just like a brick and mortar kennel.

Another business that is on the rise is computer repair. As computers become more advanced in their software and design, many people have become less knowledgeable about the upkeep of their essential equipment. A computer repair specialist is an indispensable member of society.

Many aspects of the computer have launched at home businesses. The most profitable has become the career of website design and maintenance. A person who is knowledgeable in software design, website design, or practically any internet-based design can work from home and help people across the country while making a generous income.

People who are afraid of starting an at-home business truly need not be. So many jobs can be done from the home that it is amazing that more people don’t do it. It takes time and effort to start any business, one from your own home just adds comfort and stability to the mix.

Every person in the world will play the role of a customer throughout his or her life. From early on each of us becomes acquainted with being the customer and having others wait on us. No matter where we go, we are always prepared to take on the role of the customer and be served by another person. Look at a typical week and we discover just how much time is spent on being a customer.

When we look at the hundreds of experiences that we have had as a customer, we have also discovered that some people are better at serving than others. More often than not, we find that service in America is typically average. Of course we will have memorable moments when we will be served by a customer service superstar. But on average, being served by others usually gives us the impression that the service representative is simply following protocol.

In order to offer an excellent service experience, the person responsible for serving must genuinely care about the customer. If a service representative is simple working for a paycheck and not serving from a sincere and caring heart, the service will more than likely be perceived as average and quickly forgotten. Here’s an important point to remember:

“Five-star service can only occur when we care about meeting our customer’s immediate needs. Without a caring heart, customer service simply becomes a job description.”

When we focus on wanting to make the overall customer experience as pleasant as possible, our customers will remember the service provided as outstanding. Our customers will also perceive our service in a positive light when they feel that we desired to make their experience as enjoyable as possible They will see that we had their best interest in mind. Let’s now look at four ways to show our customers that we genuinely care about their experience.

1. Five-star service is being courteous

Showing consideration to our customers should consistently be offered by every customer service representative. It is only logical that anyone who is working out in front with customers should show hospitality. Remember that it only takes one employee to effect the customer’s perception of the service if he or she is not being courteous.

2. Five-star service is showing urgency

The second secret in giving an excellent service experience is to give our customers the feeling that we will take care of their request as quickly as possible. By this I mean that we show them respect by simply letting them know that we respect their time. By taking care of each customer in a timely manner, we are subconsciously conveying that they are important and will be taken care of in a professional and efficient manner.

3. Five-star service is from the heart

When all is said and done, customers will rate our service based on whether or not they sensed that we cared about their experience. This is the power of genuinely caring about others. When the customer senses that we truly care about them, they will give us higher ratings for the service being provided. We must remember that customers ultimately make a judgment on the overall service based primarily on emotions.

4. Five-star service involves a team effort

There are no boundaries when a business builds a team that is passionate about offering excellent customer service. This is because each member of the team understands their role in creating an exceptional experience for the customer. We must remember that every team member is ultimately a reflection of not only the company, but also of each other. If we are to consistently provide a five-star experience, we must begin by developing a team of individuals who are excited to offer the best service possible.

Great customer service creates a memorable experience that makes people want to come back time and again. They simply show each customer that they appreciate and are happy to have the opportunity to serve them. This simple secret will go a long way in making each customer feel important. Remember also that a lack of enthusiasm can give our customers a reason to not want to return.

Giving five-star service happens when we have caught the vision of the importance of how we treat others. By enjoying the process of helping others, we begin to make a positive step in giving great customer service. One of the best qualities an organization can have is when the team enjoys serving others. When we capture a service-minded mentality, our occupation becomes less of a job and more of a profession.

Most people think that you need to have a lot of money to be able to get a home loan – they think that a low income home loan’s are just not real, or if they are, they’re going to leave you in the ditch.

That’s just something that’s a complete myth – no one is truly sure where it came from, but it’s just not true. A low income home loan is a real thing, and you’re able to get one today, and start looking into a home to call your very own.

The housing market has burst and that can tell you many horror stories. No one, perfect credit or not, can get a loan in certain places and a lot of people that have home loans are defaulting and going into debt.

But that doesn’t have to happen to you. Prices for homes are lower-than-low, and you can effectively pick up your dream home for 30% to 50% less than what it was before the housing market burst!

All this starts with a low income home loan.

Tips for Locating a Low Income Home Loan

The first step to finding a low income home loan that fits you is searching for loan companies. Your best bet isn’t your local places, though, or even your bank. It’s the internet.

The internet is a powerful resource to consider.

Actually, you need to remember that online companies are usually more willing to secure a loan and for less money. The reason is that online lending companies do not have the same expensive overhead you would find from a traditional financial institution. Therefore, cost savings can be passed on to you. In addition, these companies do not waste time hassling over coveted office space, the high cost of electricity, and so on.

The result is that cost savings is something they pass on to the customer – you.

What if I Have Little Savings?

When people are looking at a low income home loan, they get nervous. Most of the time, they have less than what they expect saved up as a down payment, and they’re not sure how much it’s all going to cost them in the end, and they don’t want to have to sell their shirts just to get up the money.

You really don’t need that much to put down to begin with and with a little part of your loan, you can get that home for yourself.

The Bottom Line?

A low income home loan is probably for you – if you don’t have a lot of money coming in, but dream of getting your very own home, seriously look into one. Don’t you deserve it?

Tired of high interest rates? Loan rates can be burdensome, especially when they are high. Often, high interest rates dampen our zeal to borrow money. Fortunately, some companies, banks, and financial institutions work to make our wishes come true by offering the lowest interest rates to us on certain conditions.

Home equity loans probably provide the best interest rates. They are secured against the equity of a home, keeping the home as collateral. Equity refers to the difference between the estimated value of a home and the outstanding mortgages against it.

Such home equity loans offer interest rates which are fixed until the end of the loan period. Hence, repayment is made in equal sums every month. Home equity loan rates may seem slightly higher than other rates from the beginning of the loan payment, but are actually affordable and reasonable when viewed later on.

The best way to apply to get the lowest interest rate home equity loan is to apply online, that way you will only need to send one application to different lenders through a home equity loan broker and then negotiate with the different lenders to get the best offer. In this case many lenders will be competing to get you, and this puts you in the right position to make the best choice – taking the most favorable offer available.

One of the best ways to get a better deal when applying for a loan is to use the loan calculator available at the websites to calculate the interest rate and other terms. After calculating the rate of the different offers, you will then pick the lender with the lowest interest loan.

Another reason to get a home equity loan is for the payment for education. With today’s soaring tuition, most homeowners would rather use home equity loans than to pay it with cash. With a home equity loan you can pay for the tuition for the whole year at once while paying for the home equity loan for about a year on installment basis.

If you’re reading this, I’m willing to bet you either went to a friend’s house or maybe a hotel conference room and witnessed ACN’s business overview. You saw them explain the future of their video phone, all the money that can be made and how the one time investment of $499 could make a world of change for you. Well, I’m sure a lot of the information went over your head. So to help clarify things I’d like to briefly review their compensation plan and their products ONE more time and give you an unbiased analysis of the ACN business.

Let’s start at the beginning. ACN is a telecommunications company that is based out of Detroit, Michigan. The products they offer are home telephone service, cell phone service, Direct TV, VOIP telephone service, and their bread and butter: the VIDEO PHONE.

ACN compensates its representatives in three different ways: personal residual income, overriding residual income, and bonuses. Representatives earn a “personal” residual income from the total billing of customers that they PERSONALLY REFER. You can make “up to 10%” but that is only if the monthly billing from your customers reaches $10,000 a month. For the most part, the personal residual income is so small that it is completely ignored.

Overriding residual income is much more substantial than personal residual income. It comes from the customer base of individuals who have joined ACN and are on your team. When you refer friends or family to ACN and they join, a percentage of the customer billing they create is considered your “overriding residual income.” However, the amount of money that you receive is dependent on a number of factors. For details on the percentages and specifics visit https://myacn.acninc.com/MyACN/ShowDoc?DocName=docs/us/en/301.pdf.

Lastly, the mother of all commissions with ACN: team customer acquisition bonuses, otherwise known as TCAB’s. These are earned when new representatives join your organization. How much these bonuses amount to is dependent on a number of things. Essentially, whenever someone signs up with ACN either through your own efforts or the efforts of another representative in your organization, you get paid. ACN tallies up the total number of new recruits for a given month, and a certain amount is paid to you. So basically, you get paid when you recruit new individuals into ACN and when you acquire new customers.

But the big question of the day is, does this work? Is it real? Is it legal? Are there hidden fees? And so on and so on. ACN has been in business for 15 years and they’ve been approved to do business in 20 countries which means 20 different governments have given them the OK. It isn’t a scam and it isn’t illegal. Furthermore, MANY people have made money with ACN and a select few have made A LOT of money. Individual results may vary, and you need to understand that in a business like ACN it is a PROVEN STATISTIC that an average of 97% of individuals FAIL. When it comes to multi level marketing, direct sales, direct marketing (whatever you want to call it) that is just how the cookie crumbles.

So it isn’t a question of whether ACN is real or legal, it’s whether ACN is the best opportunity for the price they charge: $499. Not necessarily. ACN adopts a very old school method of building a business. Talk to friends, family, and acquaintances and make a list of people who you think would like to make more money. This is what they tell you. But what happens when you run out of friends and family to talk to? Either you quit, or like the top earners in the company you get creative. I know for a fact that some of the million dollar earners use advertisements on the internet, classifieds, stores, you name it. Some of them will just walk around a public area and talk to strangers. This is what it takes to make the big bucks. Sooner or later that is what it comes down to. That may scare some people, but it’s the truth.

If you know how to use the internet, building a business like ACN doesn’t have to be difficult. Rather than hound your friends about an opportunity, talk to people who are eagerly waiting for an opportunity to make more money. I’d like to talk to you about a business called the Wealth Funnel System. It is for people who are looking to increase their income stream, but have time freedom at the same time. Its creator, Derrick Harper, is an internet marketing veteran who has been making money online for well over ten years. He has worked with very popular companies like MTV, CMT, Pfizer, Weber Grills, Johnson and Johnson, and more. He has made millions online and what he has done with the Wealth Funnel System is created a business that TEACHES individuals how to make money on the internet. The fortune is in the skill set, and the Wealth Funnel System GUARANTEES your success. It is one of the very few opportunities you can find with a MONEY BACK GUARANTEE.

It may or may not be as good as ACN but that’s honestly for you to decide. Either way, I hope this information has been helpful.

Wishing you the best success, Joe Marquez

Super SEO at your finger tips. One of the biggest breakthroughs in recent times. This powerful Tool Bar will allow you to punish your competitors. This is the First and Only Money Making Tool bar on the planet designed especially for Business Men and Women and it is revolutionizing how SEO is delivered.

If you are looking for “Michigan SEO Solutions” or “Michigan SEO Technology” you are in luck, because I am going to save you money and give your business a better option. You see if you have a website that your business relies on for income; the worst thing for you to do is to put your lively hood into another person’s hands. If you go to Google and search for “SEO” you will get 252 MILLION results. No Web Master will be able to do better than yourselfCold Hard Fact! Things just got easier for Small Business People who must have traffic to make a living. Stop paying a Web Master for bogus results.

Now I do not promote many products, but this Product is dynamite and for the business owners who want real results for your website, this is your answer. It’s a Tool Bar that ties all SEO functions into your web browser. Now you can teach your Web Master some tricks. Finally something us “Little Guys” can use to even the score.

Just for fun, pretend that I am a Web Master in Michigan and I want to learn what my competition is doing for SEO strategies on their website. So I would do a Google Search “Michigan SEO Solutions” or “Michigan SEO Technology” and then visit those sites. This Powerful new tool bar will instantly discover their SEO tricks. How powerful is that? Just think of the possibilities you will have at your finger tips. Want to check up on your Web Master and find out how much your key words are costing them verses what you are being charged? OK done. Do you want to crush your competition? Then read on.

So if you are after power keywords like “Michigan SEO Solutions” or “Michigan SEO Technology” or any keyword in your business arena, this Tool Bar will do it. What to track conversion rates? Ok it is done. Want to add content to your site, blog or sales page this tool bar will do it. I told you this Tool Bar was like none other on the market. This tool bar was designed to help you make money period.

It doesn’t matter if you are a business owner with a website, an internet marketer, a blogger or ecommerce site you still need traffic and you are limited on the time you have available. This cutting edge technology will save you time and put all the resources you need right at your finger tips. This means you spend less time going back and forth between applications and only pay for one application. I cannot wait to see what type of upgrades are coming next.

Up until now, looking at conversions was a tedious task. Increasing conversions was too hard for most. This is why 90% of the business owners just let the web master handle all SEO. This is a huge mistake. You would not let someone else decide who gets to buy would you? That is exactly what you are doing by letter you web master decide your SEO. Not to mention this software give you the ability to find Power Key Words like “Michigan SEO Technology” or “Michigan SEO Solutions”.

It is impossible to properly cover all the Tool Bar’s features and capabilities in this article. Although I have tried to cover the top features of this Tool Bar, I know that I have not done it justice. So if you wish to be amazed, you will have to click on the link below and go see for yourself. Prepare to be amazed. This is not some fly by night software. This is business changing software for those who are serious enough to use it. Click the link below and be ready to be in Awe.

Educate yourself about the currencies that you trade. The more you know about the country whose currency you’re trading in the forex market, the more accurately you’ll be able to predict which way the money will move.

Forex training brings the knowledge of professionals into your personal trading. Forex training helps you know where to enter a currency based on the direction it is taking and how to forecast that direction. Forex Training allows you to learn how to trade currencies with a live coach. As you trade, your Forex training can truly help you become the master of your money.

There are free Forex trainings online created to teach everyone a strategy to day trade currencies. Forex training sessions are designed to give new and experienced traders all the necessary tools to start buying and selling currencies in the Forex market. Forex training program would not only be for beginners who want to learn how to start day trading, but also for more experienced traders who already had some stock or futures trading experience. Forex training will help you succeed in your currency trading as you learn to trade the Forex like a pro.

If you are new to forex trading then it is essential that you learn forex trading before parting with any of your hard earned cash. Many online forex companies offer free training and demonstrations that resemble that of real time forex trading. There are also forex trading courses available and these are also a valuable way to learn forex trading as you can refer to these course time and time again.

The good thing is, regardless of your choice training, it is accessible to anyone worldwide. Well, online method of training for Forex is rapidly garnering popularity for the flexibilities it offers to user. Having a proper training in forex is important to become an experienced trader. One who is interested in Forex trading is strongly advised to go for Forex training first so as to ensure success. By taking some time to have proper practice and advise, you can be an expert in the Forex trading field.

You may have had your Nokia for a while or it may be brand new. Either way, you may be considering getting one or more Nokia cell phone accessories for it. Whether you want to make your phone easier to use, make it uniquely yours or both, there is a good selection of accessories to choose from. You will want to pay attention to the model number that certain accessories are for as not all accessories will work for all Nokias. There are some accessories, though, that will work with your Nokia no matter what model you have.

Among the Nokia cell phone accessories that could almost be considered necessities are the various types of chargers. It can be very beneficial to have an extra charger to keep in your office so you have one at home and at the office. A car charger can save you from having your Nokia go dead in the middle of a call when you are between locations, too.

While using your phone in your car, you want your Nokia close at hand. Using a holder and a headset can help you use your Nokia easier. The headset and holder are Nokia cell phone accessories that can be found as a set. Another accessory that can come in handy when traveling is a travel charger. They are model specific and can be purchase for use in the US or the UK.

If you use your Nokia while driving, you need to be safe and accessories that allow you to use it hands free. In many places, this is required by law. For Nokias that have the capability, Bluetooth is an excellent accessory to use for hands free cell phone use. For other models that are Bluetooth capable or if you just prefer them, there are hands free headsets. These are usually model specific, so you need to be sure of getting the right one.

Carrying your Nokia in your pocket or purse is fine but you might want to do more to protect it from damage. Not only will the look of your phone be affected by damage, but the way it works could, too. The clip that is on the majority of holsters and even a few cases makes it easy to keep your cell phone where you can grab it quickly when you need to. The shell-like cases that are available come in so many styles that you can easily find one that expresses your uniqueness and protects you phone.

Whether you like glitz, flash or classy utility, these Nokia cell phone accessories are sure to provide something to suit you. With face plates in carious color, styles and designs, you will have a phone that is uniquely yours without question and they also protect your face, well, the face of your phone. Antennas that flash or just look very classy and functional are also available. The flashing antennas light up whenever the phone is being used. How would you like to have a heart seem to beat when your Nokia rings?

Rounding out the available Nokia cell phone accessories are data cables, memory cards and keypads. If your Nokia is a camera phone and/or is MP3 capable, you will want a data cable so you can upload your favorite music to your phone as well as ringtones, wallpaper and screensavers. Downloading pictures from your camera phone will be a breeze, too. Most cell phones have very limited onboard memory, so you will want to have a memory card to expand the number of songs you can have on your phone and/or the number of pictures you can take between downloads to your computer. The keypads add functionality with personality to your Nokia. The available types are crystal, laser and flashing keypads.

Mix and match the choices in Nokia cell phone accessories with the options available. Choose whatever you need or suits your own personal style. Be flashy or be classy, whatever you choose.

When you start a company you’re not thinking about the skills and talents your employees will need years down the road. You’re focused on survival, and that often means hiring just about anyone who will take the leap of faith with you at the pay you’re able to offer.

Oftentimes, a business owner hires somebody they already know and trust, such as a relative or neighbor, to do bookkeeping for them. Even if it means this person doesn’t have experience in bookkeeping (or very little), they’re probably more skilled at it than the owner.

Do You Need More Skilled Accounting Staff?

As the business grows, the needs and requirements of the business exceed the expertise of the original bookkeeper. As transactions get more complex, the books can get messy. And while the bookkeeper focuses on keeping up with the basic tasks, the big picture details go unattended.

For example, profits could be ignored, cash not managed. It may also be that you’re not building relationships with lenders you need to. In short, you’re letting opportunities for your business to grow slip away. If you as the owner know how to present the business to an investor or bank, your numbers might still let you down if they haven’t been done properly. This can negatively impact your entire organization.

Hold on, There’s Help for the Business Owner

Many business owners don’t have an accounting or finance background themselves-leaving them ill-equipped to properly train and supervise a bookkeeper, much less tackle the bigger issues like cash forecasting, cost control and profitability analysis.

However, if you hire someone who’s a qualified CFO or controller, this can help you in a couple of ways:

* By training and supporting your existing accounting staff, so they can operate at peak performance-this might include creating procedure manuals, automating some processes, and cleaning up books that are in disarray so that the bookkeeper can start over with a fresh slate.

* In addition, the CFO or controller can perform tasks that the business owner or bookkeeper are not qualified to perform, such as preparing and analyzing financial statements, putting together business plans, making out budgets or making cash flow analyses.

This helps the business owner, too, because he or she then has the time to actually focus on running the business. In turn, the bookkeeper also tends to do much better once he or she is properly trained and has clear expectations that he or she can follow.

Efficient Processes Increase Your Bottom Line

Your accounting operations directly impact the profitability and growth of your company. For example, when you’re processing accounts receivables efficiently, payments are collected more promptly, cash flow evens out and banks view your business as being more credible.

If you don’t think your accounting staff can take your company to where it should go, perhaps it’s time to call upon a professional accounting service.

There has over the past few years been a big increase in trading the forex and one of the main reasons is the introduction of automated systems. This was a market which only saw banks and other large financial investors as players but these days it has become attractive to medium and small time speculators. At this market currencies are traded from various countries of the world. Because trillions of dollars are traded 24/7, it makes this one of the largest and most active financial markets.

Now that there is internet and advanced computer technology in place, any one with an internet connection, a forex trading account and good brokering knowledge can trade in forex. This global market place is open twenty four hours a day so if you want to stay abreast of market developments, you must keep a constant watch. With the help of these automated systems, you can pick up a currency, it’s asking and selling price ahead of any buying. Your buy and sell orders can get instantly executed so all you need is your seed money.

You do not have to be a professional to earn profits from this trade because the automated forex trading systems take care of all the work for you. When you trade through managed accounts, the automated system carries out the work for you. Therefore automated systems help you save time as you do not handle the trading yourself. When you monitor the market well, the auto trading system can help you trade multiple accounts simultaneously; this was never fully possible ever with manual trading. These systems have the advantage of trading with multiple systems in more than one market.

You can use automatic forex trading systems at any time and it does not require your presence. You should not therefore miss profitable trades simply by being away from your computer. Since every system is activated according to specific trade movements, you can plan your investments and direct your risk accordingly.

There is no place for human emotions which adversely affect decisions; something that is not possible with these automatic forex trading systems. It enables you to manage and monitor many currency pairs and trade them as you deem fit.

While you may use an automated forex trading system, if you want to provide an income derived from this well into the future, you cannot expect the system to do it alone; a certain amount of study is still required. Several factors and conditions control the market, so no automated system can assure you of profits all the time. The automated forex trading system allows you the flexibility of customizing it to suit you.