Economic Crisis Sees Increased Redundancies But the Home Based Business Sector is in Dramatic Growth

Uneasy about your “JOB” security – online home based self employment is the answer. Did you know that the ABS (Australian Bureau of stats) figures show that only 17% of home-based businesses (HBB) are run predominantly by women? There has been huge growth of home-based business operations (57%) and this growth has come from men. In North America alone in the next 3-5 years – 79 million people to will start their own home based business.Due to the current global economic crisis, males aged 35-55 are finding it very difficult to secure replacement professions. On an international level, long standing professional white-collar areas including management consultants, lawyers, accountants, IT professionals, real estate agents, copywriters, finance brokers are finding themselves made redundant with no apparent back up or early exit strategy from the workforce. The home based business sector is an area in dramatic growth and with the right model you can re-design your future, your lifestyle and your retirement.When I say exit strategy – most would consider that retirement is their exit strategy with their super fund, 401(k) and real estate investments as their financial back-up. In my parents day most certainly this was an option – however even they have been hit by the current down turn. But what happens when you find yourself without employment well before your retirement age, where and how do you replace your security, your income?If you are feeling uneasy about your ‘JOB” security and that would be a majority of people what are your alternatives? When you read that the unemployment rate in America has skyrocketed and figures show a 6% increase on numbers before the recession of 2001, and the Australian Treasurer suggests that, “A sustained global recovery is no sure thing…” and warns that “…the national economy would operate below capacity for a while yet, with the unemployment rate to rise and company profits to decline.” Are you going to wait until you are made redundant to consider your options? Or are you going to start working on you exit plan/strategy to fire your boss and become your own boss now? Even professionals who feel presently secure in their roles are considering alternative exit strategies other formats to supplement and in the future replace their current income completely.The Online Home Based Business sector is in dramatic growth. Many are discovering the personal and financial benefits of this sector of self employment. Franchising and Real Estate – areas that have previously done well – these professions require long hours, include the exhausting management of employees and stock and a waiting game for payment. The Online Home Based Business of today offers many benefits above and beyond these traditional business models.Today’s Online Home Based Business has the power to create new lifestyles. You can start your own Online Home Based Business with a new model, with the support of a community of industry leading – like minded entrepreneurs. The model I chose to assist me in firing my boss, can teach and support you, it is a proven business model that provides you with a turnkey marketing solution, allows you to work less hours, have more time for family and create personal and financial security – all while you get paid first and you develop a long term residual income. A model with these components has not been available in the home based industry before.

Starting a Home Based Business – Five Steps to Consider

Do you want to start your own business? If yes, then you need to be prepared for the challenges you will encounter and you must consider various factors before you start your home based business.1. Decide what kind of home based business you would like to pursue. What are the things that interest you is one factor to consider upon deciding. You should also need to assess your skills. These are some of the few things you need to ask yourself before making the final decision.2. Know your market and competitors. Know your target market and the already existing competitors. Business is like a battlefield. You need to be prepared for the unexpected. Know what your market really needs and always think like a customer. And if you already chosen that niche, what will you do to differentiate your business from your competitors?3. Resources. Consider if your resources can meet the needs of your business that you are about to start. You must understand that without proper resources, you will have a hard time starting the business. But being resourceful can greatly help you get things done smoothly. It can also help if you’ll make a list of the things you would need for your business. And don’t forget to take into consideration your start up cost when making that list.4. Ensure you can handle the tasks. Before starting your home based business make sure you can do the tasks needed and if not make sure somebody can help you with it. Delegating the tasks accordingly can make your business a success.5. Know the legal matters. This is one important thing you need to consider. You must understand the legal barriers in your area when starting a home based business. Find out what if there are any restrictions about certain business, what are the requirements, where to get the permits and other things you need to prepare to make your home based business legal.Starting a home based business is definitely the great way to earn money. Working at the comfort of your own home not only inspires ideas of freedom and flexible working hours but provides rewards for work well done. It’s an opportunity to leave the influence of a demanding boss and workplace hierarchy to develop your own ideas and live your dreams. Most importantly, you get to choose what you really love doing or what interests you.

Certification for Women Home Based Business Owners

Women home based business owners should strongly consider certifying their company as a woman-owned and operated business. Why? Becoming a certified woman-owned and operated business opens a number of doors for bigger and long-term contracts from the government and large corporations.Certification for women home based business owners is the response of the government for the ears of discrimination against minorities. It allows for bidding and approval processes to be more fair all around. Many companies and government departments have a certain number of contracts that they must award each year to minority owned businesses. This certification for women home based business owners means that you will increase your chances of being chosen for better and higher paying projects.Women home based business owners should not balk at the opportunity to obtain business from bigger markets. Certification for Women Home Based Business owners has contributed to the 48% of revenues that certified women business owners receive from large corporate contracts.If certification for women home based business owners is something you are considering, understand that there are different types of certification from both private organizations and public agencies. You will need to look into what type is the best for your business. For instance the Women’s Business Enterprise National Council and the National Women’s Business Owners Corporation are two private agencies that assist with certification.State and local governments will also help with certification for women home based business owners. Each state and local government, though, has different procedures, so you should check with your own state or locality for more information. The Federal government’s certification for women home based business owners is complicated, and you do not need to be woman-certified to bid for any federal contract. However, you can self-certify and run and list it for free. There are other certifications available for minority owned businesses, so check with the Central Contractor Registration to determine which is best for your business.Read the rest of the article here: Certification for Women Home Based Business Owners.Hopefully this articles has proven useful to you. Download my Free E-Book and receive valuable tips, strategies and techniques designed to grow a successful Home Based Business. Receive The Free Quick Start Workbook [http://www.charlesfuchs.com/QuickStartWorkBook.pdf] (Free $97 Value!).

The Certified Legal Nurse Consultant – An Attorney’s Secret Weapon

The Tragedy

Late one Friday afternoon Susan, RN, BSN, CLNC received a call from an insurance defense attorney asking her to review a plaintiff’s medical records. On Monday morning, with the deposition just 24 hours away, the attorney sent Susan four volumes of medical records documenting ten years of the plaintiff’s medical history.

Here are the facts of the case:

1. The defendant had agreed to be the designated driver when she and a group of friends went out partying.

2. On the way home from the second bar the defendant driver, who had not been drinking, hit a tree.

3. Everyone except the plaintiff had on seat belts and walked away from the accident.

4. The unrestrained plaintiff suffered a fractured vertebra that was repaired surgically.

5. He claimed the injuries sustained in the accident totally disabled him and were the sole cause of his weakness, fatigue and inability to work.

Certified Legal Nurse Consultant’s Analysis Revealed a Very Different Picture

Few attorneys know how to read medical records or understand the terminology and subtleties of healthcare issues to achieve the best results for their clients. A Certified Legal Nurse Consultant bridges that gap in the attorney’s knowledge. While the attorney is the expert on legal issues, the CLNC® consultant is the expert on nursing, the healthcare system and its inner workings.

In this case, the Certified Legal Nurse Consultant’s grasp of the plaintiff’s pre-existing conditions enabled her to discover that his claims of injury were suspect. His extensive medical file revealed:

- He had a long history of HIV and had complained of fatigue on several occasions.

- Prior to the accident he was on AZT, Combivir and Bacofen. These medications have
numerous side effects, including weakness, fatigue, headaches, dizziness and muscle breakdown.

- He had chronic hepatitis, which also contributed to his weakness, fatigue and malaise.

- Because of the hepatitis, his treating doctor had documented that the plaintiff was not to drink. Yet his blood alcohol level was significantly elevated when he arrived at the emergency room following the accident.

Services Offered By Certified Legal Nurse Consultants That Help Attorneys

In addition to reviewing medical records, Certified Legal Nurse Consultants:

- Identify applicable standards of care

- Develop case chronologies and timelines

- Prepare summaries of the extent of injury or illness

- Conduct research on various case issues

- Locate expert witnesses

…and many other services.

In this case, Susan interpreted the records, prepared an in-depth review of the plaintiff’s pre-existing conditions, wrote deposition questions, attended the deposition and helped prepare the attorney for mediation.

The straightforward questions she proposed came directly from her basic nursing assessment skills. Despite their simplicity, the attorney considered them strokes of genius.

During deposition the plaintiff stated that prior to the accident he was fine and had no complaints. Armed with the Certified Legal Nurse Consultant’s report, the defense attorney was well prepared to dispute this testimony. He used her questions to draw out inconsistencies in the plaintiff’s story:

1. Describe the onset, location, duration and severity of your pain.

2. When did these symptoms start?

3. Did you have any of these problems before the accident?

Certified Legal Nurse Consultant Saved Defendant Millions of Dollars on Settlement

Mediation was set for the next day. The plaintiff attorney stated that his client was severely injured during this accident and the defendant was responsible. He demanded $5,000,000 from the defendant above the $500,000 policy limits.
In response, the defense attorney clearly related the plaintiff’s ongoing complaints to his long history of HIV and hepatitis, the side effects of his medications and his noncompliance with his physician’s orders. As Susan had discovered, these facts had been documented in the medical record long before the accident, and his complaints were therefore not solely the result of the accident.

At this point the plaintiff attorney blurted out, “This case has been in my office for two years, and this is the first time I’ve heard this information.” He obviously had not used the services of a Certified Legal Nurse consultant.

The case settled for $10,000, a pittance compared to the initial $5,000,000 demand. “It was extremely satisfying,” Susan commented, “knowing my nursing expertise helped the defendant save millions.”

The Certified Legal Nurse Consultant Is a Specialized Member of the Litigation Team

As in this case, a Certified Legal Nurse consultant’s professional contributions are often critical to achieving a fair and just outcome for all parties. They have consulted on cases as simple as a neck injury caused by an auto accident, as high-profile as the Rodney King case and as groundbreaking as Fen-Phen, Vioxx, silicone implants and toxic mold litigation.

Attorneys rely on Certified Legal Nurse Consultants for a variety of medical-related cases including medical malpractice, personal injury, products liability, toxic tort, workers’ compensation and criminal.

Susan lives in a rural area and works from home with attorneys from several states. Certified Legal Nurse Consultants practice all over the U.S. Wherever there are attorneys, CLNC® services are needed. According to the American Bar Association, 1,116,967 attorneys are in practice today. Approximately 25 percent of these attorneys deal with medical malpractice and personal injury cases and could use a Certified Legal Nurse Consultant as their secret weapon.

Additionally, Certified Legal Nurse Consultants provide healthcare expertise for insurance companies, utilization review firms, government agencies, private corporations and hospitals both as staff members and consultants.

Certified Legal Nurse Consultants regularly report earning fees of $150 per hour. The legal nurse consulting profession allows nurses many options for establishing a satisfying and profitable part-time or full-time consulting career.

Small Business Loan Calculator Features and Benefits

The small business loan calculator has proven to be one of the most useful devices when it comes to calculating a number of commercial real estate investments. Mortgage calculators can be especially important tools of the trade in a few different areas; whether figuring out interest payments only or going with the ebb and flow of adjustable rate contracts, keeping an eye on these figures throughout the duration of most any given property transaction can be beneficial in many ways.

Those who’ve used SBA loans in the past have been able to rely on small business loan calculator settings to carry them through each phase of the commercial loans process. No matter the case, having access to a number of online mortgage calculators can make life much easier when dealing with a variety of lending scenarios.

Even when dealing with small loans, the price of doing business can eventually work to the advantage of the borrower. The same principle applies to those who qualify for unsecured loans and the like, when payment schedules may include higher rates. Because of the fact that some small business loan calculator setups have a few additional features to offer, the unexpected can often be handled; with commercial loans especially, unforeseen circumstances may change the game in a hurry.

Forecast Early Payoff With Your Small Business Loan Calculator

Depending upon which lending institution is handling the loan in question, the idea of paying off the loan early can become a reality. Prospective borrowers may want to make sure that an early pay-off clause is included in their SBA loans without having prepayment penalties; for example, those who qualify for unsecured loans can save thousands of dollars by paying off the balance a little faster than anticipated.

A small business loan calculator with this extra added feature can factor in additional amounts to be paid and apply them towards the total balance. In the past, commercial loans without this feature have ended up costing borrowers a bundle.

Not all mortgage calculators come with this feature. In addition to entering the standard information pertaining to small loans, such as the balance, interest, and monthly installments, entering in the extra payment amount will display how much loan recipients can save by paying their commercial loans off earlier than expected. Even though these small business loan calculator functions are becoming more commonplace, it’s vitally important to find out which lenders are offering this additional service.

Use Your Small Business Loan Calculator To Determine Best Financing Options

Those who are ready to refinance their first-lien mortgages may be able to take advantage of their SBA loans by seeing whether or not this early payoff condition applies, sans the penalties. Successful business owners should have a certain amount of clout as it stands, meaning that this type of leverage can be used to switch mortgage companies, if necessary.

Contacting other lenders isn’t a crime, and some may have this particular small business loan calculator function already in place. Having this type of leverage can put business owners in the driver’s seat while searching for the best available deals concerning their commercial loans.

In effect, renegotiating a second mortgage while saving thousands of dollars is more than possible; in fact, paying lower interest rates and monthly payments on a number of refinanced small loans just isn’t enough, especially when mortgage calculators with multiple features will be able to clearly indicate how much additional money can be saved in both the short-term and the long-run. A small business loan calculator with all the bells and whistles may be worth looking into.

How To Succeed At Online Product Creation The Easy Way

Product creation could be a frightening subject for a lot of Internet marketers to face. Some folks who get in the game with the intention of making a full time income are completely ignorant as to how an online business operates. One of the most profitable ways to create online cash is by creating a product that others are happy to pay for.

Product creation is legitimate method of generating money through internet marketing but many entrepreneurs get it wrong. They start by imitating their Internet marketing gurus by creating information products on Internet marketing in hopes of getting rich the way their heroes did. The problem is that they usually don’t know what they are doing and enter a highly competitive niche with very little marketing experience or connections.

Here are a few tips for effective product creation that may help you get on the right track:
Start by finding a profitable niche with low to moderate competition. If you conduct some rudimentary market research and keyword research, you’ll find many opportunities in areas that will surprise you. Amazon and eBay are two great places to brainstorm for product ideas.

Developing Your Product does not have to be a difficult project. You can find experts in the right field for your niche and pay them to write the material while an artist designs the packaging and website or blog. You can outsource the entire product creation part of the project after you conduct the research and testing to ensure profitability.

Sales and marketing strategies should be created while developing the product and learning about the market. Some experienced marketers use pay per click to drive traffic to their offer page; some folks outsource the entire marketing campaign to affiliates through ClickBank or other affiliate programs.

Product creation does not need to be hard, particularly when the merchandise is electronic. E-books, videos, audio and multi-media products sell very well. They are distributed immediately to customers electronically. Once you have a good feel for a niche market, try to service your customers with associated products and upgrades. If you want to earn money online through product creation, you must understand supply and demand. The majority of new online marketers fail miserably because they go after highly competitive markets or forget to research their chosen niche properly. You have to create your products according to the needs, wants and desires of the prospective customers.

Information Product Creation: Never Compete on Price Because There Is Only One You

Information product creation requires extensive preparation, no matter which niche you work within and you want to make sure that your information product has a successful launch. That probably sounds scary and intimidating but here’s the thing: this is a one time effort and it will pay off in a foundation that is strong enough to get your ideal clients to invest in your high-end programs and services without the perils of a traditional funnel. This article will teach you a few of the things that you need to remember if you’d like to invest in yourself and start on the information product creation path using your unique talents and abilities. Remember that you never have to worry about anyone ripping off your ideas because if you understand how to properly position yourself around your story.

Understand Both Strengths and Weaknesses: It is good to have an impartial view of your own strengths and weaknesses when lay the foundation of selling yourself within the information product creation process. It helps you figure out where you are, what you lack and how to move forward so that you get as much growth as possible. It is more than important, it is urgent if you want to create fast success for yourself to have personal positive reinforcement and deep belief to provide yourself the support you need so that you can get over your own limitations to ensure that your information product is as valuable as it can be.

You also need to know exactly who your competition is so you can study them and use their methods to help you improve your own standings. Down recreate the wheel, but understand the wheel and position yourself going uphill from the competition. Check out which kinds of opportunities you’ve already got and try to figure out how best to use them while taking care to remember your strengths and weaknesses. This is a great way to figure out where you stand against your competition which helps you figure out how best to grow.

Launch on Time: No matter what, even if you haven’t officially announced your “launch date” you should launch the site when you’ve said you would. This will force you to stick to your goal and actually work on it. Thinking that “I’ll launch it when I think it’s ready to launch” will only hinder your efforts. You’ve got a responsibility that you need to live up to with your launch, and you can’t move back on that one. If you get close to your launch date and you are getting hung up on your self limiting beliefs in your information product creation, don’t worry this about getting it out there and not perfection. As long as it is usable you should launch it. Launching on time is the professional thing to do and it is more important than creating a “wow” effect in your site visitors. You can always update/upgrade your website when you have to, so there shouldn’t be any issue with that.

Analyze Your Own Concept: If you want to make your information product creation successful you need to understand how good your concept is: is it really going to work for your chosen audience or would something else be better? You already know about your competition; how does your concept measure up? If you haven’t come up with your own idea and are trying to work with someone else’s concept, do some more work on your own before your launch. People want original ideas because they’ve seen too many other me-too websites already.

Test Your Concept Before You Commit To The Information Product Creation Process: One of the biggest failures people have with information product creation is not testing an idea before putting a lot of effort into producing an information product. PPC to a small 5 page site with a landing page is a great way to test an offer before you even produce it. If people will sign up to get it, you can be sure that you can create an information product that will target eliminating the pain of your target market. The small amount of money will be invaluable in using crowd sourcing to direct the final outline of the information product creation process.

You’ll have lots of hurdles to clear after the launch of your information product and the only way to truly take care of them is to follow the advice in this article to work smarter. Plenty of people work hard, but it is the ones who work smarter who make real money online with the information product creation business model.

Plan To Succeed With Information Product Creation: Why You Need To Split Your Process Up

One of the keys to succeeding in information product creation is to break the process up into discrete steps. This frequently isn’t an instinctive reaction for the typical information marketer. Especially on the internet where small sized learning products are the norm.

However, it is extremely important to your ultimate success. In fact, I would go so far as to say that if you don’t do this you probably won’t succeed… even when you are starting out let alone as you move forward.

Your product creation system should do this for you if only to help you to understand the overall task.

But why?

In this article, I’m going to ignore chunking and focus on the practical aspects. That’s not to say that chunking isn’t important. It is. It’s important to understanding and to learning the process. But while you can use the same chunks as you move forward, long term your focus needs to be on the operation of the system not the understanding of it. Unless of course you are constantly training new people!

So why is chunking important to long term use of the product creation process? (Yes, I know systems design uses a different term for this process but I’m not teaching you systems design. So I’m going to use the word learning content designers use.)

The first reason that having individual discrete tasks is important is one of schedule estimation. Frequently it is very difficult to estimate how long the total task of creating a product will take. After all, the size and type of the products matters as does the number of products in your product funnel. And those are just the most obvious elements. However, estimating a discrete task is often much easier. The total can then be estimated as the total of the discrete tasks.

Secondly, scheduling a large task can be problematic. However, by segmenting the task into a number of discrete tasks, you gain a much greater flexibility in scheduling. Not only that but as your business begins to add people you are able to schedule multiple people to the product creation.

Finally, segmenting a large task into smaller discrete tasks allows you to have much better control over the product creation. This affects two different areas — status and quality.

By segmenting your process into discrete tasks you are able to schedule and record the progress at much more detailed level. As a result you are more in control of the status of the product creation. You know what everyone is doing. When they should complete it. And how much it should cost. You also know exactly what has been done.

You also improve your overall quality. Instead of waiting until everything is done you can check quality as you go. This allows you to immediate react to low quality products without absorbing their costs. This means that you have less rework and your rework costs less. And if the product is not going to meet its quality requirement you will know about it in time to stop the development, change the requirement or fix the product.

A Guide on Successful Product Creation and Internet Marketing

Product creation in Internet marketing is getting stiffer and stiffer nowadays owing to tough competition between Internet-based businesses. Putting up a new product requires plenty of brainpower and finances along with an ability to take risk. With that, even if you have the product well-set already, you have to position it strategically in the Internet landscape for others to notice. You should get the interest of Web users and turn them to actual customers. Aside from the usual physical products, many different products that thrive well on Internet marketing include E-books, membership sites, and video lectures.

The long and difficult process of product creation begins with ideas. They are easy to get – compared to the effort that comes with analyzing the market for that idea. Before the idea turns to a product, businesses often spend money, even amounting to millions of dollars, to ensure the success of the new product that emerges from an idea. Businesses undertake many types of market research and surveys before releasing their products to the public. Now, you may think that because your business is small, you can’t afford research or you don’t have to do research; you can and you should. The Internet allows you to disseminate materials needed for your market study to many people at once without your having to spend a cent.

It is a common maxim in business: Look at your destination first before mapping out your journey. So what are the goals you intend to accomplish with your product creation ventures? The everyday travails of your business may make you forget the end in sight. On the other hand, prepare to entertain new developments that come to your mind in your product creation. Your conception of a product may have started this way, but a few tweaks here and there along with some market research results and it ends up another way. Take it as the result of a creative process, not as a failure to reach your goal. After all, your product creation activities are intertwined with a long-term goal that you should strive to sustain at your utmost: profit generation. So if your less profitable initial idea evolves to a more profitable product, be thankful!

With your product made up already, start doing some aggressive Internet marketing. A product purchase typically comes after more than five times a customer is exposed to an informative call-to-buy message. Thus it is important to get the contact details, like the e-mail address, of potential customers who are on the brink of a sale. Use the results of your market research to determine the demographics to which you should concentrate your marketing efforts.

With consistent product creation, you can make an inventory of your products that you can market in due time. Just keep making products – the moment you succeed in making and marketing a product, customers are surely wanting more from you, so give it to them. Keep them on your side through constant product creation.

Considerable Factors Involved in Product Creation & Marketing

The niche you have chosen should allow creation of more than one product or service. With the technological advancements in the hosting industry, from automated control panels and scripts that simplify creation of accounts, to complete turnkey solutions; there is no need to worry about spending time on the real products sold to the customer. The main ones are keyword selection, sales copy principles, graphics, affiliate programs, product creation, online payment processing, auto responders, and search engine optimization.

Once you’ve earned money from this type of information product business, you can invest in the creation of your own products if you want, or start offering more informational products that allow you to sell your knowledge. But the creation and production costs of a similar big ticket in sequence product, although higher, are still pretty low. A key by-product of this process will be the creation of 3-D, Computer Assisted Design art.

The Association for Financial Professionals permits the following activities for repatriating funds: Research and Development activities, advertising and marketing programs, hiring and training new recruits, acquiring patent and other rights to intangible property, improving transportation, funding capital investments with the purpose of job creation and job retention & funding product responsibility or environmental claims.

It prohibits certain activities like: Tax payments, Payment of executive recompense, Payment of dividends, Redemption of stocks, Debt investments and Portfolio investments. Therefore, before repatriating the money, you must consider whether it is worth or not.

Checklist on what artist and product development necessitate includes: Exceptional vocals, musicianship and/or songwriting skills, Continued education and enhancement of musical skills, Quality equipment, Performance ability, Image creation and maintenance, Plan of action, goal setting, excellent promotion materials including photographs, press releases and artwork, Business management skills, Marketing, Publicity and Promotion knowledge, Online and Offline Professional management, Basic knowledge of recording, producing, engineering, and mastering, Basic knowledge of manufacturing, distribution, and sales online, brick and mortar and air-play, Good choices in members, staff and advisors, Physical and mental preparedness, Basic knowledge of finances, accounting Law and legal issues etc.

The goals for doing so are for the product owner to: Communicate the whole, Determine and communicate when releases are needed, Determine what functionality is sufficient for each release & focus on business value derived from the releases. The delivery team on the other hand will see the whole, learn about the steps to realize the vision, learn the business priorities, provide technical input to the roadmap and provide estimates for the projected features. The salesperson must lead the prospect through the various decision criteria needed in order to secure a sale. Whether your idea is the development of a product, launch of a service business, or even the creation of an event or program for a non-profit, creativity is the root of all entrepreneurial efforts starting with the vision itself.

People quickly learn to spend their time on marketing and product creation, rather than repetitive tasks. Apart from empowering companies and individuals, there should be a particular focus on identifying labor intensive businesses that have the potential to make a significant and positive impact on employment creation as well as those businesses that have a product or service offering for export markets with the final objective of booming local economies.