Add You - Home Based Business

Credit Card Debt Is At Record levels
A recent study done by the credit bureau, Experian, shows U.S. consumers are relying on their credit cards more than ever. According to their latest National Score Index, compiled from a random sampling of 3 million consumers in the credit bureau's database, 51 percent of the U.S. population has at least two credit cards and 14 percent have 10 or more cards.The results "tend to suggest, on average, people in the last couple of years are accumulating more debt and are utilizing credit cards more than in the past," said Pete Bolin, manager of analytics for Experian. The study also shows that consumers are using their credit cards as an "overall financial vehicle" rather than just an emergency tool, he said.Dave Cap

recommend it) you actually could. Once again, YOU’RE THE BOSS.

6. No more commuting to and from work – If you’re like me and hated driving to and from work, this is going to be one of your favorite advantages. For me it meant no more driving in the rain or fog in the winter. It’s not that I don’t trust my driving, it’s the other knuckleheads out there that drive like maniacs. I’m just glad I don’t have to deal with that everyday anymore.

DMOZ: Rotten To The Core
I knew things were bad at DMOZ. But I guess I didn't realize how bad, until I started eavesdropping on a few forums, and reading the avalanche of e-mails I received on the subject.When it takes up to two years to get a web site listed, there's a serious problem. When perfectly qualified web sites are rejected for no other reason than the fact the editor considers them serious competition to his or her own site, there's a serious problem.When you e-mail DMOZ about the status of your web site and don't even receive a courtesy response to your questions, there's a serious problem.When you have egotistical DMOZ editors fighting each other to have their own web sites listed, there's a serious problem.And

Not long ago, I was the kind of person who couldn’t even imagine herself working from home. I was the type of person who had to be ‘out of the house’ or I’d go crazy. I had to be moving around and doing something. I never thought I’d end up working from home and actually like it, but I do.

Working at home, who wouldn’t want to do that? There are so many ways to make money working at home and starting your own business, not to mention all the advantages. Some of the wealthiest people in the world work for themselves. If you were like me and never imagined working from home, I’ve compiled a list of the Top 10 Advantages of Working at Home.

1. Spending more time with your family - When I was single and had no kids I never wanted to stay home. I always wanted to be out doing something. After I became a ‘Mom,’ I really hated to leave my house each morning because it meant that I also had to leave the kids. I hated to see their eyes fill with tears as I would leave. I also didn’t want someone else to ‘raise them’ as I went to work each day. I wanted to be there for their ‘firsts’ in life; the first time they spoke or the first time they walked. I wanted to witness those things. So spending more time with my family and being there for them meant a lot to me and still does.

2. Set your own hours - Since you are your own boss, you get to say when you will work. No more having to dread that awful alarm clock. If you want to sleep in, you actually get to sleep in. If you want to play with the kids, have lunch with a friend, visit your family or even just sit and watch TV, you can. Just keep in mind that if you do too much of these things and don’t actually schedule in time to ‘work’ you may find yourself having to get back out there and work out of the house all over again. It all comes down to scheduling. Since it’s YOUR time, you make the schedule and decide what time you’ll start, take breaks and so forth. You can decide if you want to work days, nights or split shifts (which is what I do.)

3. You get to choose a job you enjoy – the beauty of working from home is finding something you enjoy doing so it doesn’t seem like actual work. Turning your hobby into a profitable business is a great idea, just make sure there’s a market for it.

4. You control your money – whatever money you make after expenses belongs to YOU. You can put it back in your business and make even more money (this is always best) or you can choose to spend it all. It’s up to you, just be smart about it and think about the future of your business.

5. No dress code – You do not have to wear a uniform, a shirt and tie, a dress, business suit or anything else that may be uncomfortable. If you want to work in your favorite pair of comfy jeans, in your sweats, in your shorts and tank top, in your pajamas or buck naked (although I wouldn’t recommend it) you actually could. Once again, YOU’RE THE BOSS.

Bad Credit-How to Fix Legally Fix Your Credit History
Probably one of the most insane situations a person can get into is when all his finances are out of control and there is nothing but complete mayhem. When your credit history is at its all time low and even the most strict methods of monetary discipline seem to fail, then there is nowhere else to run to but your your lawyer; yes, because he's the only one that can legally fix your credit history.It is tedious to do things on your own and there is even a greater tendency to create errors whenever knowledge on the aspect of credit history is involved. And having errors is, frankly, the last thing that you should have when it is legally fixing your credit score that is being discussed. There are numerous legal firms wh

had no kids I never wanted to stay home. I always wanted to be out doing something. After I became a ‘Mom,’ I really hated to leave my house each morning because it meant that I also had to leave the kids. I hated to see their eyes fill with tears as I would leave. I also didn’t want someone else to ‘raise them’ as I went to work each day. I wanted to be there for their ‘firsts’ in life; the first time they spoke or the first time they walked. I wanted to witness those things. So spending more time with my family and being there for them meant a lot to me and still does.

Change Management
“It is not the strongest species that survives, nor the most intelligent, but the most responsive to change”. -Charles DarwinThe world today is changing faster than ever before. Technological developments, financial constraints, expanding markets, restructure and mergers, new philosophies and government legislation are all putting pressure on organizations to change. Yet the process of change is far easy from easy, and implementing it successfully makes considerable demands on the managers involved.In our fast moving, highly competitive global marketplace, change is continuously required, if an organization is to remain competitive. A company can’t remain on the cutting edge by standing still. The key to effecti

ck. If you want to sleep in, you actually get to sleep in. If you want to play with the kids, have lunch with a friend, visit your family or even just sit and watch TV, you can. Just keep in mind that if you do too much of these things and don’t actually schedule in time to ‘work’ you may find yourself having to get back out there and work out of the house all over again. It all comes down to scheduling. Since it’s YOUR time, you make the schedule and decide what time you’ll start, take breaks and so forth. You can decide if you want to work days, nights or split shifts (which is what I do.)

Five Essential Skills for Blogging Success
Six years ago T. Harv Eker held a personal development workshop in his basement for eight people. Today, Harv’s company (Peak Potentials Training) fills hotel ballrooms to capacity each time they host a training. How many of you would like to see your blog make a similar shift from little-known to well-known?You can make your transition in the same way Harv made his . . . PRACTICE Through practice you will develop and sharpen skills while making steady progress toward your blogging success point. Cultivating these five competencies will benefit you regardless of the level at which you’re starting.Practice, practice, practice. Until the practice becomes your practice. ~Brad BrownWriting prowess.

oesn’t seem like actual work. Turning your hobby into a profitable business is a great idea, just make sure there’s a market for it.

Direct Market Ad: Five Ways On How To Create Income From Your Ads
You just spent hundreds, or in some cases, thousands of dollars placing a direct marketing ad. The day it comes out you are anxiously awaiting the response from potential clients. You have done everything right. The ad meets all the criteria of a good response rating, the magazine you chose is your target market, and you have placed the ad in an opportune location. Now you are ready for the calls to start flowing in.There is a "five finger" rule that you can follow that could dramatically increase your income from advertising. It is simple, effective and profitable.Finger Rule #1: Tell the person who you are. Introduce yourself by name. This immediately puts the other persons guard down and

recommend it) you actually could. Once again, YOU’RE THE BOSS.

7. Save more money - You can actually save more money if you work from home than if you work away from home. In my case, I save ton of money on gas because I no longer have that long commute to and from work, not to mention the wear and tear on my vehicle. I also save on daycare because the kids are now home with me. I save money because I no longer have to eat out for lunch while at work.

8. Tax benefits - Home Based Businesses receive numerous tax advantages. I’m not an accountant (nor do I play one on TV), but I do know I get to write off a lot of things since I work out of my house. I get to write off things like: any start up costs, a portion of my rent or house payment, my computer, any supplies I buy for my business, telephone and electric bill, advertising and many more. Talk to your accountant or book keeper to see what you can write off. Believe me, the more write offs the more you will save on taxes.

9. Less Stress - Since you’re working from home you no longer have a boss telling you what you can and can’t do. Stress from other coworkers is now a thing of the past. Depending on what field you worked in, you no longer have deadlines, hard to please customers and the stress of not getting paid what you’re worth.

10. More Free Time – this goes hand in hand with things I’ve mentioned like not having to commute to and from work. Because you don’t have to commute (at least by car), you have more time to do things you enjoy, whether it’s spending more time with family and friends, playing golf, getting to actually make yourself breakfast instead of skipping it or eating on the run. So there is so much more free time. I actually know a guy who works at home and makes very good money. He spends most of his day playing his Xbox or watching DVD’s. In the morning he checks his emails, answers any questions from his customers and checks his stats from his websites. The rest of the day is his to do whatever he wants. How great is that?

Working from home really has changed my life. I get to take advantage of all the things I’ve mentioned above. Plus, my family life is happier. I’m now there for my family. I don’t have to answer to anyone. I can’t tell you how great that feels. If you are contemplating working from home, I do recommend it. Just don’t jump into it blindly. Make sure you take all the necessary steps to ensure your success or you’ll find yourself right back out there working away from your home.

To Your Success, Anna Allen

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Learning how to delegate is one of the most important habits of good leadership. For guidance on how to achieve maximum productivity consider the approach of Olympians.

Each year we see more and more solo professionals and there are some very good reasons for this. For instance people are living longer and healthier for longer too. They are able to work longer, stay productive, are very alert and have sharp minds. Thus more and more people are retiring and then going back to work as private consultants and solo professionals.

Changes brought about by the advent of the Internet have created an economic opportunity for survey takers. The rapid change and lack of structure of any new frontier attracts scamsters and profiteers. Often these tarnish the reputation of an industry filled with otherwise perfectly legitimate, profitable and proper activities. Legitimate online paid surveys fill a useful function and present real opportunities. They deserve a closer look and fair consideration as a way to make extra money.

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