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Network Marketing: The Ultimate Home-Based BusinessWhy is Network Marketing considered the Ultimate Home-Based Business? Lets look at a few of the reasons why you and many others are looking to having a home based business as a viable alternative to working for someone else.
You would like the freedom that owning your business would provide.
The J.O.B. or working for someone else has lost its luster.
You have good, creative ideas and plenty of energy yet not much money to invest right now.
You want to spend more time with your family.
Perhaps like many people today, the economic downturn has affected your employment situation and you need to take back control of your income.
Or maybe you just want to take advantage of the tax benefits that are available to those that work out of their home.
Robert Kiyosaki has stated in his books that the first step to creating wealth is to become a business owner. However if freedom is what you are looking for then a owning a business in the conventional sense may not exactly fit your bill. A conventional business brings along with it a list of demands of which the most demanding is employees. Having employees could adversely affect the freedom that you would want owning your business to provide.Owning a conventional business or even a franchise sounds may sound appealing yet you will find it is very similar working for someone else. You may own the company or franchise however in all reality what you have done is create a job for yourself. If you have employees you have the added responsibility of creating work for them also. There goes the luster of owning a conventional business.Starting a franchise or opening a business takes capitol. You may have plenty of energy and creative ideas but do you have enough money to purchase a franchise or have the capitol to keep it going for a year? Most businesses fail within two years because they are under capitalized.The lack of quality family time seems to affect nearly everybody. With commutes getting longer and longer and with many people needing to work two jobs to make ends meet, there seems to be little or no time left for family. Stands to reason why when asked what is important to them, most people answer that the freedom to do what they would like with their time is right up there with work freedom.But the question that lurks in the background is still there: What can I do that will provide a good living, allow me to be my own boss, not take a ton of capitol and also give me time with my family or where ever I am needed.
Let’s look at another situation. Perhaps you have been laid off or have had your position eliminated as the result of the current economic situation. This is truly a disturbing yet all too common situation. You have plenty of time, lots of energy and creative ideas yet little if any income. You realize after the fact that nothing is certain and now you must take control of your career.There is one more reason why people are turning to a Home Based Business; for the many tax advantages. Starting with the fact that a portion of your home is now your office and can be deducted on your income tax and as a business owner all your expenses are deductible. There are too many to go into here so let me just say that if only for this reason, a Home Based Business bears serious consideration.At the top of this article I stated that Network Marketing is the Ultimate Home Based Business. Let’s take a look at my reasons behind that statement.
By becoming a business owner you have taken the first step towards wealth as described by Robert Kiyosaki
Since most people get into Network Marketing at a part time level, you will probably still have your job however you know in your heart that soon you will be able to leave it. That alone will add a spring in your step and a little luster to your work.
It doesn’t take a lot of money to get started and will certainly allow you to use your energy and creativity.
While you may not immediately have the time you want to spend with your family, your goals will ensure that you will and sooner than you think.
You have now taken control of your economic destiny. As a Network Marketer, you are in the distinct position of being able to go as far up as you can imagine. There is no Glass Ceiling and you decide what will be the Top of Your Ladder, not some corporate executive.
Network Marketing while certainly open to everyone, is not necessarily right for everyone. There are some who need the structure of a job, there are some for whom being self-employed creates more anxiety than excitement and there are some who aren’t comfortable dealing with people. There is nothing at all wrong with any of these; it takes every kind of people imaginable to make up this world. However, for those individuals who are looking to own their own business, their own future and genuinely like people Network Marketing is clearly the Ultimate Home Based Business.

Small business financing is often the only way for some businesses to get the capital they need to open their doors, expand operations, or develop new services and products. However, the Great Recession created some significant hurdles for personal and business loan applicants who boasted less-than-perfect credit scores.However, recent investigations suggest that banks are starting to open their doors to business owners in greater numbers. Although credit requirements remain above what they were before the recession, lending has indeed warmed up for many business owners. Where many businesses were just “treading water,” they’ve now entered an era of cautious and optimistic growth.Another positive sign in small business financing is the improved cash flow in the nation’s major banks, which has led to increased lending activity and an overall reduction in average commercial loan rates. With the recession fading into the background of the economy, small businesses that have been waiting for an improved economy are finding that banks are willing to deal with businesses that might have had budget shortfalls a few years ago. Small businesses and fledgling companies that have been conservative in hiring and expansion efforts post-recession have finally become eligible for loans.According to data compiled by the federal government, one of the major sources of small business financing today has been loans through the Small Business Administration (SBA). One of the reasons why looking at banks that provide loans that are guaranteed by the SBA is a savvy way of obtaining a business loan is because the government’s list of banks represents lenders who are already interested in making loans to small entities. Looking at these banks reduces the time a business owner might need to spend to find commercial lending opportunities. It’s also a good idea to locate a bank with loan officers who have prior experience with SBA loans.However, getting business and commercial loans still requires a solid application. In small business financing, one of the most powerful features of a loan application is the business plan. Banks are much less likely to hand over a check if the business plan isn’t fleshed out, accurate, and professionally written. A business plan with typos or a lack of information on cash flow, budget, and fiscal projections won’t impress a loan officer. Some small business experts advocate hiring a business plan writer to ensure the final document is as professional as it can be when it’s sent to the bank.The government has taken an interesting step in encouraging growth of small business by reducing the fees associated with SBA loans. Borrowers already enjoy SBA loan rates that tend to sit below traditional loan rates, but low fees on certain SBA loans may make these small business financing methods even more cost-effective than they were in the past. For example, loans under $150,000 no longer have fees and short-term loans guaranteed by the SBA also feature rates lower than many standard bank loans. This means that brand new start-ups or businesses that are nothing more than an idea in a garage are possible for new borrowers.Small business loan applicants should remember that the interest rates on SBA loans aren’t set by the government, but are part of a negotiation between the bank and the applicant. However, there are maximum rates set in place so the interest on business and commercial loans will never exceed a certain amount. Since the bank has some leeway in setting an interest rate, it’s worth it for a small business owner to come to the table with a credit rating that’s as high as possible. Small business financing today isn’t a cakewalk, but getting a loan as a brand new business is possible in today’s lending environment.