Is Your Home Insurance Policy Covering Your Home Business? The number of people who run their business out of their homes is increasing all the time. Some people work from their kitchen table or home office because it saves money. Others do it because they just enjoy having a 30 second commute to work. There are lots of reasons why home offices are ideal places for people to run their businesses.But one big risk that many home business owners make is to rely upon their homeowners or renters insurance. There are quite a few reasons this may not be a prudent idea. This is especially risky if you have not reviewed your home policy since you started your business.Home Contents Insurance Most homeowners policies are a package of coverage. One part of the package is home contents insurance. When you purchased your policy, some time ago, you may have estimated a value for your personal property like your furniture, TV and jewelry. But most businesses rely on supplies, inventory, computers and accounting records. If you purchased your original policy without thinking of these things, it is very likely that you do not have enough coverage.Liability InsuranceA typical home policy may cover you in case a visitor to your home claims damage. But this may not cover you in case a customer claims your business caused damage. You may need business or professional liability insurance to be sure you are not risking your assets.Relocation One very handy feature of many modern home policies is relocation in the case your home must be vacated while it is repaired or rebuilt. This feature may help you rent a motel room or apartment. This may be fine for temporary living arrangements, but probably will not provide enough space to keep running your business.How Can You Cover Your Home Based Business?Some larger insurers may present you with a simple and affordable solution. For a very small business, an additional rider for a home based business may be all you need. You may just need to increase your personal property insurance. A chat with a good insurance agent should point you in the right direction.If your business is a bit larger, you may be able to purchase an inexpensive Business Owners Policy (BOP). These policies provide a package of commercial coverage, but can be customized to your needs. They are common choices for small business owners like store owners, dentists, and home business owners.How Can You Find A Good Deal On Home Based Business or Homeowners Insurance?You can find online quote forms for homeowners or home based business insurance. You start off by entering your zip code, a few basic details, and you can be quickly matched with the top insurers who do business in your city or town. Remember that most insurers have policies and prices that differ by location, and that is why you need to look for top insurers in the place where you live or do business.

One problem faced by home based business owners is how to successfully market their business. The importance of having a web presence cannot be over emphasised, however, it is no longer enough to just have a website without using proactive marketing strategies to promote it.In order to get visitors to your website who are interested in your product or service, an important, popular and effective form of marketing to utilise is article marketing. For anyone running a top home based business, article marketing is an important element in the marketing mix.Article marketing is a form of website promotion which allows the owner of a website to write articles and post them on Ezine Articles or other article sites for syndication. These articles need to focus on certain keywords relevant to the business that the website is promoting and are provided free of charge to those who are interested in using them.There are several benefits to using articles to market a business but the most important one is that it attracts visitors to a website and these visitors are not just random people who stray by accidentally, but are actually those who are interested in the site and may become potential customers.Another benefit is that article marketing can be used for search engine optimisation. Most people go to search engines like Google to search for what interests them. When a particular keyword or keyphrase is searched for, the websites that show up in the first few pages are usually the only ones that get any visits from that search. Very few people are willing to go beyond the first few search result pages when searching for websites that might have solutions to their problems.In order for a website to feature in those early pages, that website would have to be optimised for search engines. The process of search engine optimisation includes link building which is where the use of article marketing comes in.Most article marketing sites allow articles to be posted for free. In return, those articles are available to users to read and also re-use on their sites or blogs. If an article is well written and has a catchy heading, it is likely to get re-posted on a number of sites and if the article contains a link back to the site of the author, it makes that site attractive to search engines.The three essentials to remember are the heading, the body and the resource section. Most sites that allow articles to be submitted for marketing purposes often have several other articles in the same niche. As such, in order for a particular article to stand out so that a user will notice and take interest in it, it needs to have a catchy heading. This is what draws people to the article in the first place.After attracting maximum attention, the quality of content is what would ensure that the article will be used on another website or blog. Articles that are well written and most importantly, unique in content, are more likely to get re-used a number of times.The resource box is where information about the author including the website is posted. For most submission sites, this is the only place where a link is allowed to be placed. If the resource box is engaging enough, people tend to click through to the website.Article marketing is generally free and is a great way for home based businesses to get good levels of exposure. This is one source of online marketing that should not be ignored by anyone running a top home based business as the results can be very rewarding. It’s a marketing strategy that I would highly recommend.

More and more people are working from home today, a trend that is only going to become more popular in the future. Already, there are more than 52 million home-based workers, and that’s just in North America alone. According to the United States Department of Labor, as many as two-thirds of all Americans could be working from home by the year 2025. While many of these folks will be stay-at-home workers employed by companies, the vast majority of these people will have started their “own” stay-at-home business. If you are looking for a home based business, a simple Google search will display literally thousands of opportunities. Take it from me, the Internet is chocked full of get rich quick home based businesses. Do not; I repeat -DO NOT – sign up for any Internet business that claims you will be making $5,000-10,000 a month within the first couple of months. It’s just not true, as much as you may want to believe it. You are looking for a legitimate home based business; you need to understand that NONE of these companies making outrageous claims are legitimate.If you are looking for a legitimate home based business opportunity, learn the lessons from hundreds of thousands of other people who have been lured into these get rich schemes. These people have paid thousands upon thousands of dollars, only to be frustrated, disappointed and poorer for their efforts. Fortunately, you can learn from their mistakes without investing another dollar. In the beginning, like many others, I fell for several of these companies’ promises of making big bucks quickly. To be candid with you, I am embarrassed to admit that I, too, poured thousands of dollars into these companies that promoted themselves as being a legitimate business, just to eke out a couple hundred dollars a month. The one thing I did get out of all my efforts was an education in what “not to do,” and I want to pass along a few tips for you to follow in your quest.• Before investing in any online business, do your due-diligence. At a minimum, check with the BBB.• Speak to other people who are already with the company. If the company will not give you names of other people, don’t do business with them.• Don’t believe the testimonials you read. Most of them are made up, and these people don’t even exist.In summary, don’t fall for these “get-rich-quick” schemes. Due your due-diligence until you find the truly legitimate home based business opportunity you’re looking for.

There is a saying in the Home Based Business world (or at least a saying among my Home Based Business friends), and that is, “The great thing about the Home Based Business Industry is that anyone can do it. The worst thing about the Home Based Business Industry…….. is that anyone can do it.

For the most part, starting a Home Based Business is fairly simple. Find a sponsor, sign up, and you are pretty much off and running. But the thing that most people don’t consider is what they shouldn’t be doing in regards to prospecting, training, and running your business in general.

Don’t feel like you have to talk to everyone you come in contact with and try to sell your opportunity.

Once people start a Home Based Business, they are incorrectly trained to go out, make a list of friends and family and call them constantly about joining the business. They are also taught to always be looking for an opportunity to bring up the business opportunity in conversations. Even if they are standing in line at the grocery store, find a way to start talking to the person behind you and look for a way to bring up the business. This outdated method is still taught today, and you will see tons of information telling you it’s an outdated method, but no one really explains why. Well don’t fret, I’m here to explain why.

The reason it doesn’t work is because people are so inundated with advertising and sales pitches today, that we shut people or advertisements down in the blink of an eye these days. It’s almost like it’s human instinct now. I mean think about it for a second. How often do you fast forward through commercials on TV now that we have the ability to do so? How fast did you sign up for the do-not-call list as soon as it came out? We as a society hate being sold to. Even if it is something we might need, the minute someone tries to “sell” us something we most likely shut down and block them out. When you drive do you even notice the billboards anymore, or are they just a part of the landscape that doesn’t even enter your mind?

So if it doesn’t work why are you taught this way? Well, it’s a really simple answer. Because it’s the easiest thing to teach and it’s easy to teach it to others. Home Based Businesses leaders teach this to their marketers because, quite frankly, they don’t know how to teach any other way. They give you a script, tell you to make a list of people you know, and give you a shot in the arm with an enthusiastic “Go get’em partner!”, and they hope that the numbers will work in your favor (here is a little secret, that rarely turns out well for the new marketer). And, when they are not getting any results, they tell the new marketer to try harder. Yeah, that’s helpful, try harder, keep calling the people that won’t even pick up the phone anymore when they see your number on caller ID, there is a good plan.

They think it’s to difficult to teach new people a different way, a better way of marketing their opportunity. So they give you some watered down, out of date system that will leave you frustrated and broke. Well there is a better way, there is a more effective way, and I will talk more about that in the next section.

Do not sponsor everyone that wants to get involved!!!

Huh???

Yeah, you read that right. I mean you could sponsor everyone that wants to start a business. In fact if you love to be annoyed, bothered 24/7, frustrated, defeated and depressed, by all means have at it. Remember this line from earlier?

“The great thing about the Home Based Business Industry is that anyone can do it. The worst thing about the Home Based Business Industry…….. is that anyone can do it.

Let’s get down to brass tacks. Not everyone is meant to start, own and run a business. Plain and simple. Might not be a nice thing to say, but it is a true thing to say. A Home Based Business owner, or any business owner for that matter has to have a certain type of desire and mindset. Now I’m not saying they have to be smarter than the average bear, not the case at all, but they do have to have a specific mindset. They have to understand that there is work involved, and that growing a business takes time and energy, and it takes dedication. You can’t just expect to succeed by taking the easy route.

That being said, you as a Team Leader have the responsibility, I will even say an obligation, to yourself and to the person / people you sponsor, to make sure that they “get it”, and understand what it takes to become successful in this competitive industry. You have to make sure that they understand that, even though you are there to always help them and work as a team, that they will eventually have to work independently after they are trained. Now I’m not saying train them for 5 hours and send them out on their own, no no no, that is what the old school teachers do. I’m saying that you work together as a team, get the person trained, help them until they are comfortable, but this has to happen within reason. It shouldn’t take 5 years. I would say it should only take a month or two of regular training and close teamwork. Let me tell you something. There is nothing worse than a person that calls you 24 times a day with dumb questions, complaints, and whines constantly. This will drain you emotionally, physically and just destroy your morale. You will be miserable and in turn the person you sponsored will be miserable and broke too. Believe me, I went through it, and I promised myself that I would never go through that again. I would rather have three reps. on my team, that get the business model, have the attitude to succeed, and can work as a team as well as independently, and not be constantly dependent and need to have their hand held every step of the way, than to have 100 people that are just gonna drain me emotionally. IT”S JUST NOT WORTH IT!

So when talking to others and they show interest in becoming a business partner of yours, make sure they have the qualities it takes to run, own and grow a business. It’s not hard to figure out if they “get it” or not. Most people can figure out if a person has “it” or not. And if they don’t have the qualities, then just politely tell them that this might not be the best option for them and move on. It amazes me how many Home Based Business owners are so afraid to say no to people. If you are so worried about sponsoring people that you will sponsor a person who will make you miserable, I might suggest that you look into another type of work, because you will have a long painful road ahead of you.

Do not educate yourself constantly.

So we have discussed how many companies train you the easy, watered down, ineffective way. They teach a system that is easily duplicatable to everyone, but is hardly effective for anyone. Now, it’s not the companies fault mind you, they have to find the easiest way to get people started, but again for the person that “gets it” this will not be enough, because, well, you want to succeed, and the people that don’t “get it” won’t go past the basic training the company provides, and they will fail and quit because they won’t understand what we are about to discuss. But again, you won’t have to worry about people on your team quitting because, as we figured out earlier, you only sponsor people with the right qualifications, RIGHT?:)

You need to constantly add tools to your business tool box. There are some great programs out there to help you take you business to another level. It amazes me how new Home Based Business owners will invest in starting a new business and then not invest in their business education. Does a doctor graduate medical school and never educates themselves any further? Does a real estate agent consistently study the real estate market and it’s trends? Well the Home Based Business owner has to do the same thing. They need to plug in and study what the leaders of the industry are doing. They need to keep up on the trends and they need to invest in their education. I personally require my new business partners to purchase some of my favorite educational tools because I know it will help them in the long run, and if they don’t, they will not become a part of my team. I mean if you are not willing to invest in your education and training, how much success do you think you will have? Not much.

Be impatient.

Rome wasn’t built in a day and your Home Based Business won’t be either. It is not a “get rich overnight” thing, nothing is. People that tell you that are lying to you, plain and simple, and they do not have your best interest in mind. It takes time to build and grow a business, and you need to be ready to put the work in. How long does it take? Well there are so many factors it varies person to person, but on average I will say 1-2 years to really start making a substantial income. Is that to long for you? Well then you are not made for this business. Any professional knows that this is the general rule of thumb for any business in any industry. If you don’t have the patience to wait that long, you might want to just work for someone and and not start your own business. You also need to sustain yourself while you are building. As i mentioned earlier, if you are going to invest into starting a business you need to also invest in your education. Now I’m not talking about thousands of dollars in educational tools and trainings but there does have to be some money invested nonetheless, but the money that is invested into your education will pay you back 100 times the cost in the long run. You also need working capital for advertising, marketing and the general running of your business, again, no different that any other type of business, but remember these costs are significantly lower that most types of business, but they are things you need to be aware of if you want to own a successful Home Based Business.

Facebook advertising has become the most effective and successful method to get the desired traffic for your business. Even better, Facebook offers two methods for paid advertising in which the advertiser can weigh the Facebook advertising price options to fit the budget. There are over 800 million users today who will support your business or brand and gain fast growing visibility over the internet. And these two price options Facebook offers is fairly reasonable, and favor the small and medium scale business, too.

Since Facebook is the most well-known social network media over the internet, many advertisers or traders want to take advantage of the site’s popularity. Although most people visit social networking sites mainly to check their accounts for personal and social purposes, they can actually become a part of you and can be instrumental for your company’s popularity.

Of course, businesses need to advertise their products or services to hopefully gain more customers, thereby increasing profits. The emergence of social networking presents an exciting new way to advertise, at a fairly reasonable price, but with your ads reaching hundreds of millions in just a matter of days or minutes, even. Now, carefully looking at the Facebook advertising price offers will help you decide which option you will be paying.

Just like the other advertising services, you are going to pay for the publicity you need for your company or business in Facebook. There are two kinds of payment for advertising on Facebook. These are the CPC and the CTR. Facebook advertisers can choose whether to bid on ads that are based on:

• CPC- “cost per click” or the amount of clicks their advertisement receives or how many times your ad is shown in the Facebook page. CPC is also sometimes known as PPC or “pay per click” on other advertising sites.

• CTR- “click through rate” or CPM for “cost per thousand impressions”. In this scheme, advertisers who select this CPM bidding are more interested into positions and brand awareness. This is a clickable advertisement which leads into concrete conversions of ad impressions. CPM is charged per impressions or feedback even without a single click of the ad.

The actual Facebook advertising price for each scheme is as follows:

For “cost per click” or CPC type of bid, your daily budget depends on how much you want to spend on that particular day. Then you are going to bid per click you receive. For instance bidding for $1. 00 per click of bid will cost you $25 budget for your daily budget.

For “click through rate” or pay for views, you can set your daily budget for a minimum of $1.00 but the default rate on Facebook is $25.00. It’s up to you in how much you are going to spend per day and then adjust whether you like to increase or decrease on the suggested cost. In every 1000 impressions, you can also bid on the maximum suggested by Facebook per impression for instance ($0.01-$0.50).

After adding your new campaign, complete the process by selecting a type of bid you are going to take. Then, schedule your advertisement if you want it to run continuously starting today or run the ad on its specified dates you want. And finally, after reviewing your ad, you can place your ad on the site.

If you avail of Facebook Ads, you have nothing to lose. The Facebook advertising price is guaranteed as is – no hidden charges. It’s the most cost-effective and convenient way to advertise your company or brand to every Facebook user in the planet.