Money to Start a Home-Based Business

Locating Small Business FundingHow to locate Small Business Funding to start your Home-based business is a topic that peaks everyone’s interest, because we all need a little help to get started. Many times a home-based business is started through the use of multiple sources. If a loan is not right for you, there are other options available.Typically the average entrepreneur will use a variety of resources to start their home-based business. You might say they use a piecemeal approach or “Bootstrapping” consisting of the following sources:· Savings (probably the #1 resource)
· Credit cards
· Family
· FriendsLet’s talk about the top four:Savings: This should be your first option for your home-based business but many of us do not have savings to rely on or do we?What if you use your tax return or economic stimulus money to start your home based business? This may provide you with the initial capital than you could possibly add to it on a monthly basis to pay for some of your recurring expenses.Credit Cards: Most start up entrepreneurs use credit cards to start their home-based business. This can prove to be a valuable tool especially in the early stages of your home-based business. Warning! Use your credit wisely and with caution due to the high interests rates and remember sooner or later you are going to have to pay.Family and Friends: They may be your best source for borrowing money for your home-based business. Why? Because they know you, believe in you and trust you. If they were in a position to lend you money and will not then a bank probably wouldn’t want to take a chance on you either.Tip: To make your family feel more comfortable with lending you the money for you home-based business. Try using a service that manages the loan and documentation. This would make it a real loan for their added security and peace of mind. You may want to use this as a negotiation tool to help convince family and friends if they are hesitant to lend you the money to fund your home-based business.These are probably the most popular resources and the ones that are most familiar to you. However there are other sources available for your home-based business.Government Loan ProgramsPatriot Express: This new loan program is for Veterans, Disabled Veterans, National Guard and Reservists, current spouse and widowed spouses. These loans can be used for almost any business purpose (including start-up).Patriot Expressloans are available up to $500,000 and the SBA will guarantee from 75 to 85% depending on the size of the loan. Interest rates run 2.25% to 4.75% over prime.Micro-loan 7(m): The loan itself can be for as much as $35,000 but is not available in all states.Do you have an IRA?If so did you know you may be able to use it for your home-based business, to buy a franchise or for that real estate investment? People are doing just that every day, Why not you! There are a variety of creative financing sources available to the entrepreneur limited only by your imagination.To sum it up we all need a little help to get started in business. Be persistent and refuse to give up on your dreams. Your funding may come from many sources a little from savings, a little from credit cards, some from family and possibly some from a micro-loan. Money from many different sources may be just what you need to fulfill your dreams.

A Simple Product Creation and Product Launching Formula

If you tried to think of people involved in product creation, who would come to mind? You may think of Edison, Franklin, or maybe Henry Ford. Would you ever think of yourself as someone who can create a quality product? Product creation is actually relatively easy and product launching is not that tough either! If you follow a few easy to understand steps, you could be starting the product creation and product launching process sooner than you think.

The first step in creating your information product is to know and understand your market. This can be very time-consuming, especially if you are unsure of what to do or where to look to know your market. Studying your niche market and understanding the buzz words and buying patterns can ease the process dramatically. Personally, I would recommend networking with someone who has had success in the niche market you are considering and learn from their results. If they are into product creation and not very business savvy expect some hesitation. If they only sell products and have nothing to do with product launching or product creation you may your first affiliate (sales person)! Something else you can use to find hot trends is with the Google Trends tool.

The second step is the product creation process. Take your niche market and brainstorm ideas and topics relating to it. There are a lot of product launching contests going on recently relating to a newly created internet marketing tool. There are so many aspects to the mentioned niche that literally, and unfortunately, anything can be considered an Internet Marketing tool. The reason that anyone can basically create an Internet Marketing tool is because of something called Private Label Rights products.

What I use private label rights products for, and highly recommend them in this specific manner, is to cure writer’s block especially when it is lingering. Many people base their entire product creation and product launching on a private label rights product. This is where you can start to shine and build a strong brand for yourself. If you set goals for yourself, short-term goals to be exact, you can see your product creation come into being much faster and there is a good chance with less revision needed. If you keep hitting time restraint road blocks; however there is nothing wrong with a slow and steady approach, you can consider outsourcing portions of your project. Outsourcing can be an extremely huge benefit or just as great of a disaster.

You can find someone to outsource work to at a freelance site such as Guru.com or eLance.com. When reviewing proposals it is almost mandatory you perform a background check on them as you are in essence hiring them. Doing a background check on freelancers is as easy as asking for samples of their work and reviewing feedback on the freelance site from previous customers. Depending on the size and requirements of your project this can add up to a decent sized investment, so caution is very important. One tip I always recommend to people looking to hire an individual is to ask them what they can provide you that no one else can. This simple question gives them a chance to “toot their own horn” and acknowledge where they feel most competent as far as their skill set.

The final portion of the product creation and product launching formula is the launch. This can literally make or break the effort, time, and maybe (if you invested) money you put in to your project. There are numerous aspects to product launching and although their relevance is debated in terms to their effect, experts agree all must be followed. The person in your field who you asked for product advice from can help you substantially if you have kept in touch. If not, the first thing you need to do is to create a visually appealing website with flawless design work.

I also mentioned outsourcing before, this is one aspect of product launching I have little strength in and I always outsource this portion. The website does not have to be large however the content (ad copy in Internet Marketing) must be stellar and as perfect as possible. This is where advertising knowledge or experience is beneficial. When the site is set up you now put a lead capture form on your website.

I put two lead capture pages on all products I create on the internet and is one of the best methods of getting a solid start when you are in the product launching stage. When you gain information from a prospect or someone looking to get paid for referring sales you are able to provide them updates or specials. Many people abuse their prospect or affiliate lists by in turn emailing them with a new product daily and I find the recommendations to be totally unrelated to their original need, problem, or interest.

Another stage in the product launching stage is creating a free report or demo version of your product to entice the product to sign up to your email list. Using proper follow up with this can help generate numerous sales for you. One thing you need to ensure is that your free product completely relates to your main product that you are looking to sell.

You are now ready to advertise your product launching to customers as well as the opportunity to sell for affiliates. This is the single aspect that many product creations and launches fail on. It is actually not entirely difficult. One thing you can do is write articles (and a good amount of them) on topics relating to your product. I am a huge advocate of giving a solution in forums. When you join a forum you are normally offered the opportunity to create a signature. In your signature, you should enter the link to your opt-in or lead capture page. When you respond to posts, you are advertising your opportunity.

It is not impossible to create a product and it does not have to take a long time. You need to setup a plan and stick to it. If you get stuck, look at similar and successful products to your own and try and see how they did it. When you sit down and brainstorm you will be surprised with what you can imagine.

Arizona Real Estate Law – Using a Partition Action to Resolve an Ownership Dispute

It is a frequent occurrence that people who jointly own Arizona real estate find themselves unable to agree about whether to sell and/or how to manage the property. When that happens the Arizona Revised Statutes provide a mechanism whereby one of the owners of the property may compel the sale of the property and distribution of the resulting proceeds.

The partition statute, set forth at A.R.S. Section 12-1211 et seq., provides for the appointment of one or more “commissioners” who are charged with selling the property. If the property can be physically partitioned by dividing it into equitable portions, an owner who wishes to retain ownership of his or her share may be able to do so. In most cases involving single family homes or other properties that are generally not divisible, however, the property will have to be sold and the proceeds distributed.

The commissioner(s) appointed to manage this process will usually be Arizona real estate brokers or other similar professionals who are uniquely qualified to prepare the property for partition and/or sale. Although the court can make whatever order is deemed fair and necessary, the commissioner(s) are usually compensated by receiving a sales commission.

In most cases partition actions do not involve defenses allowing on or more owners to block the sale (unless they want to buy out the other owner(s)). That being the case, partition actions that do not involve other related issues can be handled fairly quickly without excessive expense. Nonetheless, because an Arizona partition action must be filed in the Arizona Superior Court and must strictly comply with the statutory guidelines, a party seeking to force partition of a property or facing a partition complaint filed against him or her should seek professional advice.

An experienced Arizona real estate lawyer should be able to help guide you through a partition action. If you’d like to force a partition a lawyer can help make sure your partition complaint meets the statutory requirement and that the order compelling the partition provides the relief you seek. If a partition action has been filed against you an experienced Arizona real estate attorney can help make sure you receive an equitable hearing and distribution of any partition proceeds.

Kevin R. Harper is an Arizona real estate and business litigation attorney, representing individuals and small businesses throughout the state of Arizona from his Central Phoenix and Chandler, Arizona offices. His primary office is located at 1 N. Central Ave., Suite 1130, in downtown Phoenix.


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