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  Why Most People Fail In Home Businesses!

At one time or another, we’ve all fantasized about creating our
own business and being so successful that we can tell the boss
or manager to “take a hike” and loose the compass! It’s
exciting to consider the possibilities. But then the fears
creep in. We’ve all heard stories about people who have joined
a home based opportunity full of hope and faith, only to unwind
shortly thereafter and fail miserably…and lose some good hard
earned cash in the meantime. And some of us have lived those
stories! Ouch! I have been on both sides of this continuum,
succeeding more often than not, but with enough range of
experience for both myself and others I’ve worked with to offer
some perspective.

Committee Reviews State of
Health Care for Small Business

WASHINGTON – One of the biggest challenges currently facing entrepreneurs is a lack of health care coverage. Small business leaders and representatives from the health insurance industry discussed the reasons that small firms have difficulty providing coverage and potential solutions to this issue. This hearing marks the beginning of the committee’s work to make health care more affordable and available to this nation’s 26 million small businesses.

Hispanic Business and Entrepreneurship

There are approximately 2 million Hispanic-owned businesses in the country that generate almost $300 billion in annual gross receipts. By 2010, there will be 3.2 million Hispanic firms generating $465 billion, according to the U.S. Small Business Administration.

Develop Your Leadership Styles and Skills

What is it that has set the great leaders and entrepreneurs of the world apart from the rest of the world? You know what I'm talking about- the truly remarkable ones that have made their mark on the world. Sam Walton didn't create the Wal-Mart Empire overnight, and he certainly didn't do it alone. He had a group of quality employees working for him, a group that both respected and admired Mr. Walton and of his accomplishments. He is a prime example of possessing the right leadership styles and skills to get the job done, and created and kingdom in the process .

Focusing on Consistency (Part 1)

Research shows that only a small fraction of customers will inform a company of what they dislike. The majority of silent, unhappy buyers "vote with their feet" and simply don't return. Sam Walton, the late Wal Mart founder, said: "There is only one boss: the customer. And he can fire everybody in the company, from the chairman on down, simply by spending his money somewhere else."

Focusing on Consistency (Part 2)

In Part 1 of this series, we saw how consumers are able to exercise their choices to achieve the most enjoyable and efficient experiences possible. This article, Part 2, explores four more techniques that can help ensure top-to-bottom consistency in creating positive customer experiences.

The Good and the Bad: New Laws that
Affect the California Restaurant Industry

Of the many bills signed by Governor Arnold Schwarzenegger this year that will become law on January 1, a few will affect the restaurant industry more than others. Following is a brief summary of these laws, according to the California Restaurant Association:

Mortgage Grader Launches Software Allowing
Consumers to Get the Upper Hand on Lenders and Brokers

Mortgage Grader launches a consumer driven real-time loan shopping service,, offering loan pricing to every borrower's advantage. Knowledgeable as well as uninformed borrowers will have the ability to equally leverage meaningful lending information in a simple and transparent process to find their lowest cost loan provider. Minority borrowers will not fall victim to discrimination or redlining when shopping for a loan through Mortgage Grader.

California Sold for $53,000

A worldwide land grab is underway as people rush to purchase states and cities at, a first-of-its-kind virtual duplicate of the world based on real properties, cities, states and Internet domains. Since its Sept. 26 launch, has sparked a virtual real estate boom. California sold for $53,000 USD, New York State sold for $18,433 and the Canadian province of Ontario sold for $16,900.
Top 10 Reasons To
Love Small Business

The Office of Advocacy of the SBA offers the top 10 reasons to love small business, the heart of the American economy: small businesses make up more than 99.7% of all employers; small businesses create more than 50 percent of the nonfarm private gross domestic product (GDP); small patenting firms produce 13 to 14 times more patents per employee than large patenting firms.
  Small Businesses Receive more than
100,000 SBA-Backed Loans in 2006

Small businesses turned to the U.S. Small Business Administration for commercial financing in record numbers in fiscal year 2006, setting records for both the number of loans and the dollars loaned, SBA Administrator Steven C. Preston said.

Hispanic Marketing and Advertising Explosion

The Association of Hispanic Advertising Agencies (AHAA) announced the results of its survey assessing trends and influential factors in US Hispanic advertising over the past decade. More than 90 percent of respondents indicated that they anticipate corporate ad spending targeting the fastest growing segment of the US -- Latinos -- to increase in 2007 and more than 30 percent are predicting budget growth of more than 10 percent.

Applying for a Business Loan

When applying for a loan, you must prepare a written loan proposal. Make your best presentation in the initial loan proposal and application; you may not get a second opportunity.

Preparing and Presenting a Loan Proposal

(This information has been prepared by the U.S. Small Business Administration)

Once you have a written business plan, you are now ready to approach the money markets to try to finance your business.

Homebased Sole Proprietors Generate
$102 Billion In Annual Revenue

America’s homebased sole proprietors generate $102 billion in annual revenue, according to a study released by the Office of Advocacy of the U.S. Small Business Administration. The study details revenues, expenses, and income for both homebased and non-homebased sole proprietors by industrial sector.

Health Insurance Tax Deductions Help Entrepreneurs

Deducting the cost of health insurance premiums may keep self-employed entrepreneurs in business, according to a study released by the Office of Advocacy of the U.S. Small Business Administration. The study shows that the health insurance deduction for the self-employed has decreased the likelihood of entrepreneurial exit by 10.8 percent for single filers and 64.9 percent for married filers.

High Gasoline Prices, Fuel Efficiency
Drive Changes in Automobile Industry

The high price of gasoline is changing the way we drive. And there are more concerns about the environment. Car manufacturers say those factors have led to increased competition. VOA's Mil Arcega reports the race to develop the “greenest,” most fuel-efficient cars is driving an evolution in automobile design.

US Firm Develops Hybrid Car to Run on Hydrogen

Gasoline prices in the United States are hovering at around three dollars a gallon. There is rising concern over the global environment and political uncertainty across many oil-producing regions. So alternatives to petroleum-based fuels have attracted increased interest from investors and entrepreneurs. One California firm has developed an alternative fuel technology based on hydrogen fuel cells.

Consumer Confidence Rises, Home Sales Slip

A survey of U.S. households indicates that Americans are confident in the future of their economy, while a separate survey shows the rate of existing home sales in the U.S. continues to slip.

California Home Sales Down 25.3% in Q2

The decline in housing sales has spread nationwide, with the number of deals falling in 28 states, including California, during the second quarter, according to a report from the National Association of Realtors.

Americas United Bank, a New Hispanic
Bank "in Organization"

Americas United Bank (AUB), In Organization, has received its conditional approval from the Department of Financial Institutions (DFI) to "organize" the bank subject to various conditions which include a succesful stock offering. The bank will be centrally located in the city of Glendale, California.

Debt Consolidation, Good or Evil?

Thousands are caught in the debt trap each year. Many approach debt consolidation companies, but such companies should be handled with care. Nobody is ever alone.

Tips to Advertisers...

Procter & Gamble became the largest advertiser in the U.S. in 2005, spending $4.61 billion compared with the $4.35 billion of second-place General Motors - the first time the $4 billion mark has been surpassed - writes AdAge (via MarketingVOX), citing its "100 Leading National Advertisers" report. Together, P&G and GM accounted for nearly 9 percent of the top 100 national advertisers' total 2005 U.S. ad spend of $101.31 billion, which is up 1.3 percent from the previous year, according to the report.

Google AdWords, a Pay-per-Click Advertising Program

Google AdWords is a quick and simple way to purchase highly targeted cost-per-click (CPC) or cost-per-impression (CPM) advertising, regardless of your budget. AdWords ads are displayed along with search results on Google, as well as on search and content sites in the growing Google Network, including AOL, EarthLink, HowStuffWorks, & Blogger. With searches on Google and page views on the Google Network each day, your Google AdWords ads reach a vast audience.

FTC Moves to Stop Telemarketer Using Phony Caller ID

A nationwide telemarketer of mortgage loans has been calling people whose numbers are listed on the National Do Not Call Registry, and doing so without identifying itself, according to the Federal Trade Commission, which is seeking civil penalties and an injunction against the telemarketer for violations of the FTC’s Telemarketing Sales Rule. This is the Commission’s first case alleging transmission of false caller ID information.

SBA and California Hispanic Chambers
of Commerce Sign Strategic Alliance

The U.S Small Business Administration and the California Hispanic Chambers of Commerce signed a Strategic Alliance Memorandum aimed at strengthening and expanding small business development in the state.

Be Suspicious About Wiring Money Back After Cashing a Check

The set-up for the scam can be different every time: maybe they are buying something you advertised, paying you to do work at home, or giving you an “advance” on a sweepstakes. But, the Federal Trade Commission and the National Consumers League warn that after the initial hook, all “check overpayment” scams end the same way – with a request for you to wire money back. The scams are the fifth most common telemarketing fraud and the fourth most common Internet scam reported to the NCL.

Health Care Cost for Employers Will Increase 6.7% in 2006

When annual health benefit cost increases peaked three years ago at nearly 15%, employers responded with an unprecedented flurry of plan redesign. Increases have slowed each year since then, with cost rising just 6.1% in 2005 to an average of US$7,089 per employee, with a similar increase – 6.7% – predicted for next year.

Companies Must Re-Think How They Value Customers

Companies looking to cut back on training and investment in Customer Service Call Centers will face serious financial consequences. A groundbreaking research study, recently undertaken by Ernan Roman Direct Marketing, has uncovered startling new insights into the world of customer service.

Porto's Bakery Awarded the Modern
Baking's 2005 Retail Bakery of the Year

Porto's Bakery, a Southern California icon in the baking industry, has been awarded the Modern Baking's 2005 Retail Bakery of the Year for its excellence in product quality, marketing, merchandising, profitability, management, training and industry service.

Misunderstanding U.S. Hispanics?

Obviously the Hispanic community is not a national group as it is made up by people from 20 nationalities. It is not a racial group since you can find White Hispanics, Black Hispanics, Asian Hispanics, and Indian Hispanics. Although they are mostly Catholics, they are not a religious group. You can also find other Christian Hispanics who are not Catholics, as well as Jewish Hispanics, Muslim Hispanics, Hispanics with African religious roots as Yorubas and Lucumies, and Hispanics practicing indigenous rituals as Mayans and Aztecas.

Cowboy Capitalism: European Myths, American Reality

Olaf Gersemann, a German reporter who came to America, checked the facts and discovered that the common perception in Europe and elsewhere of America's economic model is either wrong or misleading.

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