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Affiliate programs are great home based business opportunities for the entrepreneur, and there are several different types of affiliate programs available. The simplest of the business as you, the affiliate, placing an advertisement like a banner ad, graphic, or text link on your site for the business you are trying to promote. What makes these programs nice home based business is that you earn a commission on the sales or clicks that the advertisement generates. Other affiliate programs get a little more complex with multi-tiers and proportions of sales. Still, the money you generate makes affiliate programs effective business income opportunities.Other benefits of these business income opportunities include the fact that you do not have to create your own service or product. You get to take advantage of these home based business opportunities by advertising someone else’s services or products. Also, you do not have to worry about storage, shipping, or collecting payment from customers. With these home based business, a high proportion of your program revenue is profit. However, there are some negatives to relying on programs as business. Since you are just the affiliate program, your business opportunities will not earn you a major portion of the sales revenue, and you make commission. This means that you will not make as much money with these business as you would selling your own product or service. Sometimes programs are a great way to start off with home based business income opportunities so you can get some business savvy before branching out on your own.So, how do you know with progrms will be the best business for you? Start off by taking a look at the programs that will work best with your website. This means that your business should complement the content of your website and fit in well. Also, you need to make sure that you find quality home based business income opportunities, because you only want to be a part of an program that makes you look reputable. There are plenty of reputable programs available, so look for the best quality home based business income opportunities where the company is stable and you get a signed affiliate agreement.There are plenty of great affiliate programs available that can offer you effective business opportunities. However, you need to make sure you are working with a reputable programs that are known as quality home based business income opportunities. Also, know that, despite the money you can make in affiliate programs, your best home based business income opportunities are those where you sell and market your own service or product. Still, affiliate programs can be a great way to gain valuable experience and a great share of revenue from the product or service. So get out there and find a great program.

I have never worked in the CBD and I would never want to. I could not imagine anything more painful. There are just so many downsides to this- I cannot imagine why anyone does it. I run a home-based business and I cannot be happier.The purpose of this article is for me to share with you three reasons why I started my home-based business. If you are ready to escape the rat race- if you are ready to stop working for someone who is less intelligent than you- then the three reasons that I mention below may be enough of an push for you to take that leap and start your own home based business.Here is why I work from home:I didn’t want to waste my life in traffic- I couldn’t imagine anything more painful than being stuck in peak hour traffic everyday. An hour commute each way just to spend 8 hours in an office with no natural light is not something that appeals to me. I can roll out of bed, brew up a coffee and sit down at the computer without having to leave the house. Those extra couple of hours I get each day I can spend with my friends and family- also working on hobbies.My cats keep me grounded- Some of the things that best help me deal with stress are at home and sometimes you need to deal with stress quickly if you want to make the best business decisions. For me, this is my three cats. If I have a tough issue to deal with or I just want to take a couple of minutes off to think creatively about issues I will step away from the computer and play with my cats. Simple things make them so happy and they are just full of love.A home-based business leaves my money in my pocket- Another great benefit of my home-based business is that, with the lower overheads associated with working from home, I get to keep more money in my pocket each time I get paid by a customer. I don’t have to spend money on office rent as well as a second lot of utilities and insurance bills.I am so happy that I started my own home-based business. It is the best decision that I ever made. I don’t have to worry about peak hour traffic, I can earn more money and I can easily deal with stress. You should consider starting your own home-based business.

Oh no, not again. Yes, that’s right, I’m not going to go there… at least not for today. There’s no shortage of excuses and reasons why small businesses can’t get approved for business loans. It never fails to amaze me the coverage this topic gets especially when the national economy goes into recession or when major political races are at stake. Yes, I agree that small business growth and success is the economic back bone of the US and also, that more than 60% of the US workforce are employed by small businesses. But where I get off the group think is when it comes to the lack of financing for a small business with a business loan. In this article, let’s explore the REAL REASON that small business don’t qualify for loans and the truth may even surprise you.

It’s Deeper Than Statistics
I love numbers and even better, I love reading financial statements and the notes. The love for numbers did not become a passion for me in the world of small business lending until I came to understand that the financial statements tell the story of a business. Similar to the story behind the financial statements, there’s a story behind the statistics stating that small business owners can’t get approved for loans especially if they’re of a certain ethnic group, gender, and / or industry. I’m not completely washing away the reality that there’s a shred of discrimination in our world… hey, we live in a broken society with broken people. However, a large part of this thinking (small business owners can’t get a loan because of skin color, gender, etc) is just simply untrue. I’ve been on both sides of the fence so to speak in the world of small business lending. I’ve worked for a big bank, and I’ve worked for a not for profit community development financial institution and it’s always the same. The number one reason why small business can’t (and don’t) get approved for loans is due to the considerably large operating risk that exists in these businesses.

Operating Risk: It All Starts with You
What does operating risk mean? Well, here’s a question to bring some clarity. What speaks more to sustainability: a business that’s been operating for at least one year or a business that’s still in the owner(s) mind? I’d go with the first option. Operating risk means that you have and continue to execute on your business plan(s) and that the business is cash flow positive (i.e. returning a sustainable profit margin to cover costs and make you money). Here’s the sad truth: not many small businesses get to this point. Most if any, within two years are still trying to figure things out. OK, granted, there are levels to this particularly when you observe the diversity of businesses. However, I’m speaking to the ones that endeavor to obtain a business loan.

In closing, I offer a couple of ways to minimize your operating risk and increase your chances of getting approved for a loan. (1) Grow tough skin and learn to survive. The game of business is one of survival. Most days, things will not go your way and you just have to stay the course, be adaptable, and stay true to the business mission. (2) Never forget the 3 P’s – Production, Processes, and Personnel. Become efficient in the production of what you offer for sale, create and put in place processes to enhance production efficiency and ultimately the customer experience, and finally, hire, train, and invest in people who share your vision for the business.