Author Archives: Evan

Starting a Business

Many individuals have a dream to start their own business. They have a business idea and want to make their dreams come true by starting their entrepreneurial adventure. Ideas, business sense and time are all required to make this happen but a major factor in starting a business is money. A lot of money is needed to jumpstart your ideas.

Some people are blessed with already having startup funds either by saving, inheritance or previous success. However, for most of us, it is required to take on a source of debt to start your business. Below are examples of different sources to help you in your journey.

Loan

The most popular form of debt for a business to start is a loan. Most loans are an offered product from a bank but some people take on loans from investors.

When an individual or business offers funds for you to borrow, it can be referred to as a loan. When someone does this they typically ask for a percentage of ownership in the business. They are taking a risk on your idea and think you will succeed so ask for this in return.

If you do not have individuals lending you money, you must go to a bank to acquire a loan. There are many things you need to consider when you apply for a business loan. In order to be approved for a loan, you and your business need to have good credit. If you do not have good credit than you may not be approved or you may receive a high interest rate. In some cases, business owners have people co-sign the loan in order to allow them to be approved. It is also important that you evaluate if your business should even take on the debt. Taking on debt is a major responsibility and can affect your credit if not paid back in a timely manner.

Credit Cards

An easier form of funding for a business is a credit card. The total dollar amount will be smaller than a loan but it can help you afford smaller start up costs. The application process is a lot easier than applying for a loan, however the standards as to which you can be approved are similar. You still need to have good credit. It is best to shop around for the best interest rate and rewards to make it the most economical.

Line of Credit

Another form of debt that can be acquired to start your business is a line of credit. A line of credit is basically a combination of a loan and a credit card. You are approved for a sum of money and you can tap into it/pay it back however you like. An advantage to this product is its flexibility. Your business can be approved for a certain amount but you do not necessarily need to use it. This means that you only spend the money that you need to and aren’t tempted to spend the whole lump sum.

Overall, there are many resources out there for businesses to tap into. If you have a business idea and want to follow your dream, look into any of the products above to help make it happen.

What do you need to do to maintain your swimming pool?

When the weather is hot, it’s great to be able to just jump in the pool and splash about. A swimming pool can also be an excellent place to get the exercise you need. Of course, you need to actually enjoy spending time in the pool, and this is only going to happen if you make sure that it’s a healthy and safe place to be. In order to do this you need to maintain your pool on a regular basis.

Let’s take a look at some of the actions you need to take, in order to keep your pool in good condition. If you do this, then you have a focal point of your outside space, where you can socialize and have fun.

1. Make sure you have a cover for your pool. This needs to be used when the pool is not in use for a period of time. It helps to stop debris from falling into the water.

2. Rake your pool each day. When the pool is being used regularly, and the cover is off, you should rake out any debris each day. If you do this job daily, it only takes a couple of minutes.

3. Vacuum the pool. You should use a pool vacuum on a regular basis; to make cleaning the sides and bottom of the pool easier.

4. Make sure the condition of the water is right. The pH of pool water should be between 7.2 and 7.6. If the pH is too high, or too low, you need to use a pH adjuster. You should check the water at least twice a week to make sure that there are no issues. You also need to add chlorine to the water in your pool; this helps to cleanse the water.

5. Take care of the pump and filter. The pump in your pool circulates the water so that it passes through the filtration system. You should seek expert advice about how often you should operate the pump in your pool. You need to make sure that the pump and the filter are kept clean, in order for them to work effectively. Keep an eye on the pressure gauge for the filter. If it’s reading lower than normal there may be something stopping the water from entering the filter as it should. If it’s reading higher than normal, this means that the filter is having to work extra hard. It may need cleaning.

All of this maintenance work is essential, if you want your pool to remain in good condition, and to be a safe place to spend time. Of course, you do not have to do all of the work yourself. You can get professional help; you can learn more about this. The important thing is that, whoever is doing the maintenance, does so in a timely and effective manner.

3 Jobs for Stay at Home Moms

Being a stay-at-home mom means working all day with the kids and supplementing that with some additional income. In these situations, employment must be flexible enough to work around kids’ schedules while also being steady enough to add to the household financials.

Work as a Freelancer

The work isn’t glamorous nor is it always the best paying. However, working as a freelance writer, artist, or photographer can give you the freedom to work in the field where you excel while still focusing on your family. With the rise of the e-society, freelance work has become increasingly accessible. One of the best ways to get work is to do work. For writers, Upwork is a great resource. For those with an IT background, Sologig can help you find some work. Finally, there are more generalized websites that incorporate multiple different areas where companies are looking for contract workers that fit their needs. Having a portfolio of your work available for prospective clients can also help snag that position that looks great.

Become a Children’s Party Planer

Think about all the times that you’ve wanted to have your kid’s party at your house or a park but had no interest in planning it. All moms feel this way, meaning that there’s a market for children’s party planners. If you’re already a mom, you’ve got a built-in clientele of playground friends, local friends, and school friends from which to pull. In addition, going to local libraries or kid-friendly businesses and asking to leave cards or fliers can help find clients. As a parent, you already know kids’ likes and the current kid trends. Startup costs can range depending on what services you want to provide. The good thing is that you can start out small and then move into more sophisticated services as you build a stronger clientele. Meeting with entertainers takes some work, but often local clown, magicians, and storytellers will be more than willing to work with you so that they can also broaden their connections. For people who are organized and love throwing parties, this job can be not just an income but a calling.

Open a Beauty Business

Although the beauty business is increasingly male, women still dominate the market. If you’re looking for something that is both fun and takes up little space in your home, opening a beauty business is the best route. Miskn, beauty business offering pigmentation removal in Perth, Australia, is a good example of a successful business model. Focusing on women as its main audience, independent of age and needs, the business doesn’t fall short when it comes to transforming local factors into opportunities. MIskn’s success lies in its branding. Once you source successful products like Miskn’s Lycogel and Medik8, the key is to tell your own story. Focus on public relations and marketing to build your clientele. With the ability to work after traditional business hours in a market on the rise, this might one of the least considered but most profitable options.

 

Being a stay-at-home mom doesn’t mean being unable to bring in an income. In order to be a successful work-at-home mom, however, you need to find the right career path for yourself that matches your family’s needs.