Friday, October 15, 2010

Business Making Money



A reader writes:



The idea that this recession is over is a myth. A little more than two years ago, I left a pretty well-paying corporate job behind because it was making me miserable. I enrolled at the University of Wales, earned a Masters Degree, and returned home. Since then, I've held two jobs. The first, which I started a year ago, was a temp job doing pretty much what I'd been doing before I left, albeit for less money – but I took it because I needed money to start paying down my college loans. That job dried up in April.







After five months of being jobless (and unqualified for unemployment, since I hadn't held a permanent position), I recently started as an instructor at a junior college about fifty miles from where I live. It's a part-time job, and it doesn't pay much, but at least it's work. My financial situation is still in the toilet, but at least now I can see the top of the bowl. Thankfully, my parents have allowed me to stay at their house during this time, which has alleviated much of my financial burden. Unfortunately, that may not remain an option for very long.


My dad, who immigrated here from Ireland in the mid-'70s, is a butcher by trade, but, with my mom's help, he has run his own sausage-making business since I was born. A few years ago, he finally had enough clients to give up butchering and stake out his own claim as a wholesaler. He has about four or five times as many customers now as he did then, but their week-to-week orders are down, meaning he's having trouble making ends meet.


This morning, my dad, who will turn 63 next May and has problems walking thanks to some asshole who plowed into his car five years ago, told me that he's been applying for jobs as a courier or delivery man – the only things outside of butchering for which he's really qualified, since his only educational background is in some GED courses he took in the '70s. Meanwhile, to try to make ends meet, my mom, who turns 55 next week, has been desperately seeking her own second job. Because, aside from my dad's business, she hasn't held a full-time job since I was a baby, she is understandably filled with an immense amount of self-doubt. Three times this week, I've heard her quietly sobbing in front of the computer as she scours different websites, growing ever-more frustrated with the hoops through which many companies make candidates jump.


After the accident I mentioned, my dad's insurance company dropped them as clients. They have a different insurer now, but the premiums are astronomical – through no fault of their own, only through the fault of the afore-mentioned asshole. My little brother, who's finishing up his last year in college, has a crazy amount of food allergies, so they are completely paranoid about losing the health insurance for his sake. Had I the money, I'd help them out myself; but I barely have enough to meet my loan payments. Then this, which my mom just told me a few hours ago: For the first time in their lives, my folks are worried they're going to miss a mortgage payment because they simply don't have the money in the bank to pay it.


My parents aren't like those irresponsible people at which pseudo-libertarians point – the type who got in over their heads and now expect society's or the government's support. My dad worked for twenty years to build his business to a point at which it could be his last job; his hope was to sell the business in a few years in order to retire. But he's not even close to that; in fact, it seems like he's further away than ever. My parents have never been late on any bills. They work hard, pay their taxes, and are active members in the community. They've done everything that they were supposed to do. Similarly, I've done what I was supposed to do: gone to school, worked hard, gotten a good education, and decided to give back by teaching at a JC attended heavily by minorities. And yet, we're still drowning.


The recession isn't over; it's killing us. What's worse is that it appears to me that the American Dream isn't just, as punk rocker Ben Weasel put it, "an ugly fucking lie." The American Dream is nonexistent. When I see those who contribute nothing to society getting further and further ahead while my parents, whom I have seen work their asses off my whole life, drift further and further behind, I find that belief in the American Dream is like a belief in Santa Claus – a story told to kids to keep them in line.







A sole proprietorship is a one-person business that, unlike corporations and limited liability companies (LLCs), doesn't even have to be registered with the state in order to exist. There were more than 22.6 million sole proprietorships in the U.S. in 2008, according to the Internal Revenue Service (IRS). And even though this type of business is easy to set up, it's also easy to ignore local registration requirements, business licenses, and paying taxes on your income.

"It's by far the most common type of business, the easiest to set up, and the one that most businesses end up starting as," says Jerry Osteryoung, director of outreach at the Jim Moran Institute at Florida State University's College of Business. "You can always migrate up to an LLC or a corporation, but when first starting a business you need to make sure it's easy to start."

The following guide explains how to set up a sole proprietorship, its financial structure, and the potential drawbacks of starting one.


Dig Deeper: Sole Proprietorships Defined


 


Setting Up a Sole Proprietorship


Once you have an idea for a sole proprietorship, whether it means selling a product or providing a service, make the decision to run your activity like a business. "Be prepared to devote time, use business methods, and get set up properly so you can make more money, minimize taxes, and avoid potential problems," says Barbara Weltman, a tax and business attorney and author of such books as J.K. Lasser's Small Business Taxes (Wiley 2010).

Become a business. To be a sole proprietorship, you do not have to take any formal or legal steps at the federal, state, or local level, Weltman says. "As long as you are the only owner, you automatically become a sole proprietorship by conducting business," she adds.

Depending upon the city or municipality where you set up shop, you may need to register your business or obtain business and/or occupancy licenses. Osteryoung suggests contacting the nearest government-sponsored Small Business Development Center (SBDC). The Small Business Administration maintains an SBDC locator. They can usually provide you with step-by-step instructions on how to set up a sole proprietorship in compliance with all local laws and regulations.

One key component to starting a business is writing a business plan. The plan serves as a roadmap so you know the order in which to implement actions necessary to start and grow the business, Weltman says. It's also useful in making you focus on various aspects of the business, such as obtaining start-up capital and deciding whether or not you will be selling through the Web.

Choose a name. A name can describe in one or a few words what the business is all about. Think carefully in choosing a name when you start up a sole proprietorship and then protect it.

"You have to make sure the name isn't being used by anyone else," Osteryoung says.



  • Pick a domain name. If you plan to create a website, as most businesses should, be sure that you select a domain name -- hopefully one that is the same as your business name, Weltman says. Even if you don't set up a website immediately, reserve the name by registering your site. Check availability of the name you want to use through Register.com.

  • Register your name. If you operate the business under your name, as do many freelance writers and business consultants, you can skip this step. However, if you operate under a fictitious name, you should register it -- you're required to and it prevents someone else from using the same name in your area, Weltman says. "For example, if Jane Jones runs a dog walking business under the name Pampered Puppies, she should file with her local government that she is 'doing business as' (DBA) this fictitious name," she adds. "Check with your local government -- often the county -- to make sure the name is not already being used by another business."

  • Trademark your name. "While not mandatory, it's often a good idea to gain legal protection for a business name so that no one else can use it," Weltman says. This is important if your name becomes a brand. Learn about trademark protection through the U.S. Patent and Trademark Office.


Dig Deeper: Choosing a Form for Your Business








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Fox <b>News</b> Remains Far Ahead Of Cable <b>News</b> Competition During Pre <b>...</b>

Fox News Channel finished #4 in prime time on all of cable (total viewers) last week - the week before their ratings are likely to increase even further thanks to the miner rescue coverage. Here's a look at the rest of cable news:

This Week in Credit Card <b>News</b> - MoneyBuilder - making sense of <b>...</b>

Discover Says US Antitrust Settlement Won't Help Consumers Discover says US consumers may not benefit from an antitrust settlement that lets merchants offer rewards and incentives to people who pay with lower-cost credit cards.

Fox <b>News</b> Gets Best Ratings Since Election Night 2008 With Miner <b>...</b>

Fox News' Day 2 miner rescue coverage (the final rescue from 8:15-9pmET) propelled the network to its best ratings since Election Night 2008. Fox News also beat broadcast networks FOX and NBC during that time period in total viewers.


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A reader writes:



The idea that this recession is over is a myth. A little more than two years ago, I left a pretty well-paying corporate job behind because it was making me miserable. I enrolled at the University of Wales, earned a Masters Degree, and returned home. Since then, I've held two jobs. The first, which I started a year ago, was a temp job doing pretty much what I'd been doing before I left, albeit for less money – but I took it because I needed money to start paying down my college loans. That job dried up in April.







After five months of being jobless (and unqualified for unemployment, since I hadn't held a permanent position), I recently started as an instructor at a junior college about fifty miles from where I live. It's a part-time job, and it doesn't pay much, but at least it's work. My financial situation is still in the toilet, but at least now I can see the top of the bowl. Thankfully, my parents have allowed me to stay at their house during this time, which has alleviated much of my financial burden. Unfortunately, that may not remain an option for very long.


My dad, who immigrated here from Ireland in the mid-'70s, is a butcher by trade, but, with my mom's help, he has run his own sausage-making business since I was born. A few years ago, he finally had enough clients to give up butchering and stake out his own claim as a wholesaler. He has about four or five times as many customers now as he did then, but their week-to-week orders are down, meaning he's having trouble making ends meet.


This morning, my dad, who will turn 63 next May and has problems walking thanks to some asshole who plowed into his car five years ago, told me that he's been applying for jobs as a courier or delivery man – the only things outside of butchering for which he's really qualified, since his only educational background is in some GED courses he took in the '70s. Meanwhile, to try to make ends meet, my mom, who turns 55 next week, has been desperately seeking her own second job. Because, aside from my dad's business, she hasn't held a full-time job since I was a baby, she is understandably filled with an immense amount of self-doubt. Three times this week, I've heard her quietly sobbing in front of the computer as she scours different websites, growing ever-more frustrated with the hoops through which many companies make candidates jump.


After the accident I mentioned, my dad's insurance company dropped them as clients. They have a different insurer now, but the premiums are astronomical – through no fault of their own, only through the fault of the afore-mentioned asshole. My little brother, who's finishing up his last year in college, has a crazy amount of food allergies, so they are completely paranoid about losing the health insurance for his sake. Had I the money, I'd help them out myself; but I barely have enough to meet my loan payments. Then this, which my mom just told me a few hours ago: For the first time in their lives, my folks are worried they're going to miss a mortgage payment because they simply don't have the money in the bank to pay it.


My parents aren't like those irresponsible people at which pseudo-libertarians point – the type who got in over their heads and now expect society's or the government's support. My dad worked for twenty years to build his business to a point at which it could be his last job; his hope was to sell the business in a few years in order to retire. But he's not even close to that; in fact, it seems like he's further away than ever. My parents have never been late on any bills. They work hard, pay their taxes, and are active members in the community. They've done everything that they were supposed to do. Similarly, I've done what I was supposed to do: gone to school, worked hard, gotten a good education, and decided to give back by teaching at a JC attended heavily by minorities. And yet, we're still drowning.


The recession isn't over; it's killing us. What's worse is that it appears to me that the American Dream isn't just, as punk rocker Ben Weasel put it, "an ugly fucking lie." The American Dream is nonexistent. When I see those who contribute nothing to society getting further and further ahead while my parents, whom I have seen work their asses off my whole life, drift further and further behind, I find that belief in the American Dream is like a belief in Santa Claus – a story told to kids to keep them in line.







A sole proprietorship is a one-person business that, unlike corporations and limited liability companies (LLCs), doesn't even have to be registered with the state in order to exist. There were more than 22.6 million sole proprietorships in the U.S. in 2008, according to the Internal Revenue Service (IRS). And even though this type of business is easy to set up, it's also easy to ignore local registration requirements, business licenses, and paying taxes on your income.

"It's by far the most common type of business, the easiest to set up, and the one that most businesses end up starting as," says Jerry Osteryoung, director of outreach at the Jim Moran Institute at Florida State University's College of Business. "You can always migrate up to an LLC or a corporation, but when first starting a business you need to make sure it's easy to start."

The following guide explains how to set up a sole proprietorship, its financial structure, and the potential drawbacks of starting one.


Dig Deeper: Sole Proprietorships Defined


 


Setting Up a Sole Proprietorship


Once you have an idea for a sole proprietorship, whether it means selling a product or providing a service, make the decision to run your activity like a business. "Be prepared to devote time, use business methods, and get set up properly so you can make more money, minimize taxes, and avoid potential problems," says Barbara Weltman, a tax and business attorney and author of such books as J.K. Lasser's Small Business Taxes (Wiley 2010).

Become a business. To be a sole proprietorship, you do not have to take any formal or legal steps at the federal, state, or local level, Weltman says. "As long as you are the only owner, you automatically become a sole proprietorship by conducting business," she adds.

Depending upon the city or municipality where you set up shop, you may need to register your business or obtain business and/or occupancy licenses. Osteryoung suggests contacting the nearest government-sponsored Small Business Development Center (SBDC). The Small Business Administration maintains an SBDC locator. They can usually provide you with step-by-step instructions on how to set up a sole proprietorship in compliance with all local laws and regulations.

One key component to starting a business is writing a business plan. The plan serves as a roadmap so you know the order in which to implement actions necessary to start and grow the business, Weltman says. It's also useful in making you focus on various aspects of the business, such as obtaining start-up capital and deciding whether or not you will be selling through the Web.

Choose a name. A name can describe in one or a few words what the business is all about. Think carefully in choosing a name when you start up a sole proprietorship and then protect it.

"You have to make sure the name isn't being used by anyone else," Osteryoung says.



  • Pick a domain name. If you plan to create a website, as most businesses should, be sure that you select a domain name -- hopefully one that is the same as your business name, Weltman says. Even if you don't set up a website immediately, reserve the name by registering your site. Check availability of the name you want to use through Register.com.

  • Register your name. If you operate the business under your name, as do many freelance writers and business consultants, you can skip this step. However, if you operate under a fictitious name, you should register it -- you're required to and it prevents someone else from using the same name in your area, Weltman says. "For example, if Jane Jones runs a dog walking business under the name Pampered Puppies, she should file with her local government that she is 'doing business as' (DBA) this fictitious name," she adds. "Check with your local government -- often the county -- to make sure the name is not already being used by another business."

  • Trademark your name. "While not mandatory, it's often a good idea to gain legal protection for a business name so that no one else can use it," Weltman says. This is important if your name becomes a brand. Learn about trademark protection through the U.S. Patent and Trademark Office.


Dig Deeper: Choosing a Form for Your Business








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Fox <b>News</b> Remains Far Ahead Of Cable <b>News</b> Competition During Pre <b>...</b>

Fox News Channel finished #4 in prime time on all of cable (total viewers) last week - the week before their ratings are likely to increase even further thanks to the miner rescue coverage. Here's a look at the rest of cable news:

This Week in Credit Card <b>News</b> - MoneyBuilder - making sense of <b>...</b>

Discover Says US Antitrust Settlement Won't Help Consumers Discover says US consumers may not benefit from an antitrust settlement that lets merchants offer rewards and incentives to people who pay with lower-cost credit cards.

Fox <b>News</b> Gets Best Ratings Since Election Night 2008 With Miner <b>...</b>

Fox News' Day 2 miner rescue coverage (the final rescue from 8:15-9pmET) propelled the network to its best ratings since Election Night 2008. Fox News also beat broadcast networks FOX and NBC during that time period in total viewers.


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Fox <b>News</b> Remains Far Ahead Of Cable <b>News</b> Competition During Pre <b>...</b>

Fox News Channel finished #4 in prime time on all of cable (total viewers) last week - the week before their ratings are likely to increase even further thanks to the miner rescue coverage. Here's a look at the rest of cable news:

This Week in Credit Card <b>News</b> - MoneyBuilder - making sense of <b>...</b>

Discover Says US Antitrust Settlement Won't Help Consumers Discover says US consumers may not benefit from an antitrust settlement that lets merchants offer rewards and incentives to people who pay with lower-cost credit cards.

Fox <b>News</b> Gets Best Ratings Since Election Night 2008 With Miner <b>...</b>

Fox News' Day 2 miner rescue coverage (the final rescue from 8:15-9pmET) propelled the network to its best ratings since Election Night 2008. Fox News also beat broadcast networks FOX and NBC during that time period in total viewers.


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A reader writes:



The idea that this recession is over is a myth. A little more than two years ago, I left a pretty well-paying corporate job behind because it was making me miserable. I enrolled at the University of Wales, earned a Masters Degree, and returned home. Since then, I've held two jobs. The first, which I started a year ago, was a temp job doing pretty much what I'd been doing before I left, albeit for less money – but I took it because I needed money to start paying down my college loans. That job dried up in April.







After five months of being jobless (and unqualified for unemployment, since I hadn't held a permanent position), I recently started as an instructor at a junior college about fifty miles from where I live. It's a part-time job, and it doesn't pay much, but at least it's work. My financial situation is still in the toilet, but at least now I can see the top of the bowl. Thankfully, my parents have allowed me to stay at their house during this time, which has alleviated much of my financial burden. Unfortunately, that may not remain an option for very long.


My dad, who immigrated here from Ireland in the mid-'70s, is a butcher by trade, but, with my mom's help, he has run his own sausage-making business since I was born. A few years ago, he finally had enough clients to give up butchering and stake out his own claim as a wholesaler. He has about four or five times as many customers now as he did then, but their week-to-week orders are down, meaning he's having trouble making ends meet.


This morning, my dad, who will turn 63 next May and has problems walking thanks to some asshole who plowed into his car five years ago, told me that he's been applying for jobs as a courier or delivery man – the only things outside of butchering for which he's really qualified, since his only educational background is in some GED courses he took in the '70s. Meanwhile, to try to make ends meet, my mom, who turns 55 next week, has been desperately seeking her own second job. Because, aside from my dad's business, she hasn't held a full-time job since I was a baby, she is understandably filled with an immense amount of self-doubt. Three times this week, I've heard her quietly sobbing in front of the computer as she scours different websites, growing ever-more frustrated with the hoops through which many companies make candidates jump.


After the accident I mentioned, my dad's insurance company dropped them as clients. They have a different insurer now, but the premiums are astronomical – through no fault of their own, only through the fault of the afore-mentioned asshole. My little brother, who's finishing up his last year in college, has a crazy amount of food allergies, so they are completely paranoid about losing the health insurance for his sake. Had I the money, I'd help them out myself; but I barely have enough to meet my loan payments. Then this, which my mom just told me a few hours ago: For the first time in their lives, my folks are worried they're going to miss a mortgage payment because they simply don't have the money in the bank to pay it.


My parents aren't like those irresponsible people at which pseudo-libertarians point – the type who got in over their heads and now expect society's or the government's support. My dad worked for twenty years to build his business to a point at which it could be his last job; his hope was to sell the business in a few years in order to retire. But he's not even close to that; in fact, it seems like he's further away than ever. My parents have never been late on any bills. They work hard, pay their taxes, and are active members in the community. They've done everything that they were supposed to do. Similarly, I've done what I was supposed to do: gone to school, worked hard, gotten a good education, and decided to give back by teaching at a JC attended heavily by minorities. And yet, we're still drowning.


The recession isn't over; it's killing us. What's worse is that it appears to me that the American Dream isn't just, as punk rocker Ben Weasel put it, "an ugly fucking lie." The American Dream is nonexistent. When I see those who contribute nothing to society getting further and further ahead while my parents, whom I have seen work their asses off my whole life, drift further and further behind, I find that belief in the American Dream is like a belief in Santa Claus – a story told to kids to keep them in line.







A sole proprietorship is a one-person business that, unlike corporations and limited liability companies (LLCs), doesn't even have to be registered with the state in order to exist. There were more than 22.6 million sole proprietorships in the U.S. in 2008, according to the Internal Revenue Service (IRS). And even though this type of business is easy to set up, it's also easy to ignore local registration requirements, business licenses, and paying taxes on your income.

"It's by far the most common type of business, the easiest to set up, and the one that most businesses end up starting as," says Jerry Osteryoung, director of outreach at the Jim Moran Institute at Florida State University's College of Business. "You can always migrate up to an LLC or a corporation, but when first starting a business you need to make sure it's easy to start."

The following guide explains how to set up a sole proprietorship, its financial structure, and the potential drawbacks of starting one.


Dig Deeper: Sole Proprietorships Defined


 


Setting Up a Sole Proprietorship


Once you have an idea for a sole proprietorship, whether it means selling a product or providing a service, make the decision to run your activity like a business. "Be prepared to devote time, use business methods, and get set up properly so you can make more money, minimize taxes, and avoid potential problems," says Barbara Weltman, a tax and business attorney and author of such books as J.K. Lasser's Small Business Taxes (Wiley 2010).

Become a business. To be a sole proprietorship, you do not have to take any formal or legal steps at the federal, state, or local level, Weltman says. "As long as you are the only owner, you automatically become a sole proprietorship by conducting business," she adds.

Depending upon the city or municipality where you set up shop, you may need to register your business or obtain business and/or occupancy licenses. Osteryoung suggests contacting the nearest government-sponsored Small Business Development Center (SBDC). The Small Business Administration maintains an SBDC locator. They can usually provide you with step-by-step instructions on how to set up a sole proprietorship in compliance with all local laws and regulations.

One key component to starting a business is writing a business plan. The plan serves as a roadmap so you know the order in which to implement actions necessary to start and grow the business, Weltman says. It's also useful in making you focus on various aspects of the business, such as obtaining start-up capital and deciding whether or not you will be selling through the Web.

Choose a name. A name can describe in one or a few words what the business is all about. Think carefully in choosing a name when you start up a sole proprietorship and then protect it.

"You have to make sure the name isn't being used by anyone else," Osteryoung says.



  • Pick a domain name. If you plan to create a website, as most businesses should, be sure that you select a domain name -- hopefully one that is the same as your business name, Weltman says. Even if you don't set up a website immediately, reserve the name by registering your site. Check availability of the name you want to use through Register.com.

  • Register your name. If you operate the business under your name, as do many freelance writers and business consultants, you can skip this step. However, if you operate under a fictitious name, you should register it -- you're required to and it prevents someone else from using the same name in your area, Weltman says. "For example, if Jane Jones runs a dog walking business under the name Pampered Puppies, she should file with her local government that she is 'doing business as' (DBA) this fictitious name," she adds. "Check with your local government -- often the county -- to make sure the name is not already being used by another business."

  • Trademark your name. "While not mandatory, it's often a good idea to gain legal protection for a business name so that no one else can use it," Weltman says. This is important if your name becomes a brand. Learn about trademark protection through the U.S. Patent and Trademark Office.


Dig Deeper: Choosing a Form for Your Business








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make money with the law of attraction by Shannon and Kim


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Fox <b>News</b> Remains Far Ahead Of Cable <b>News</b> Competition During Pre <b>...</b>

Fox News Channel finished #4 in prime time on all of cable (total viewers) last week - the week before their ratings are likely to increase even further thanks to the miner rescue coverage. Here's a look at the rest of cable news:

This Week in Credit Card <b>News</b> - MoneyBuilder - making sense of <b>...</b>

Discover Says US Antitrust Settlement Won't Help Consumers Discover says US consumers may not benefit from an antitrust settlement that lets merchants offer rewards and incentives to people who pay with lower-cost credit cards.

Fox <b>News</b> Gets Best Ratings Since Election Night 2008 With Miner <b>...</b>

Fox News' Day 2 miner rescue coverage (the final rescue from 8:15-9pmET) propelled the network to its best ratings since Election Night 2008. Fox News also beat broadcast networks FOX and NBC during that time period in total viewers.


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make money with the law of attraction by Shannon and Kim


bench craft company reviews

Fox <b>News</b> Remains Far Ahead Of Cable <b>News</b> Competition During Pre <b>...</b>

Fox News Channel finished #4 in prime time on all of cable (total viewers) last week - the week before their ratings are likely to increase even further thanks to the miner rescue coverage. Here's a look at the rest of cable news:

This Week in Credit Card <b>News</b> - MoneyBuilder - making sense of <b>...</b>

Discover Says US Antitrust Settlement Won't Help Consumers Discover says US consumers may not benefit from an antitrust settlement that lets merchants offer rewards and incentives to people who pay with lower-cost credit cards.

Fox <b>News</b> Gets Best Ratings Since Election Night 2008 With Miner <b>...</b>

Fox News' Day 2 miner rescue coverage (the final rescue from 8:15-9pmET) propelled the network to its best ratings since Election Night 2008. Fox News also beat broadcast networks FOX and NBC during that time period in total viewers.


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Fox <b>News</b> Remains Far Ahead Of Cable <b>News</b> Competition During Pre <b>...</b>

Fox News Channel finished #4 in prime time on all of cable (total viewers) last week - the week before their ratings are likely to increase even further thanks to the miner rescue coverage. Here's a look at the rest of cable news:

This Week in Credit Card <b>News</b> - MoneyBuilder - making sense of <b>...</b>

Discover Says US Antitrust Settlement Won't Help Consumers Discover says US consumers may not benefit from an antitrust settlement that lets merchants offer rewards and incentives to people who pay with lower-cost credit cards.

Fox <b>News</b> Gets Best Ratings Since Election Night 2008 With Miner <b>...</b>

Fox News' Day 2 miner rescue coverage (the final rescue from 8:15-9pmET) propelled the network to its best ratings since Election Night 2008. Fox News also beat broadcast networks FOX and NBC during that time period in total viewers.


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Fox <b>News</b> Remains Far Ahead Of Cable <b>News</b> Competition During Pre <b>...</b>

Fox News Channel finished #4 in prime time on all of cable (total viewers) last week - the week before their ratings are likely to increase even further thanks to the miner rescue coverage. Here's a look at the rest of cable news:

This Week in Credit Card <b>News</b> - MoneyBuilder - making sense of <b>...</b>

Discover Says US Antitrust Settlement Won't Help Consumers Discover says US consumers may not benefit from an antitrust settlement that lets merchants offer rewards and incentives to people who pay with lower-cost credit cards.

Fox <b>News</b> Gets Best Ratings Since Election Night 2008 With Miner <b>...</b>

Fox News' Day 2 miner rescue coverage (the final rescue from 8:15-9pmET) propelled the network to its best ratings since Election Night 2008. Fox News also beat broadcast networks FOX and NBC during that time period in total viewers.


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Fox <b>News</b> Remains Far Ahead Of Cable <b>News</b> Competition During Pre <b>...</b>

Fox News Channel finished #4 in prime time on all of cable (total viewers) last week - the week before their ratings are likely to increase even further thanks to the miner rescue coverage. Here's a look at the rest of cable news:

This Week in Credit Card <b>News</b> - MoneyBuilder - making sense of <b>...</b>

Discover Says US Antitrust Settlement Won't Help Consumers Discover says US consumers may not benefit from an antitrust settlement that lets merchants offer rewards and incentives to people who pay with lower-cost credit cards.

Fox <b>News</b> Gets Best Ratings Since Election Night 2008 With Miner <b>...</b>

Fox News' Day 2 miner rescue coverage (the final rescue from 8:15-9pmET) propelled the network to its best ratings since Election Night 2008. Fox News also beat broadcast networks FOX and NBC during that time period in total viewers.


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Making money online myths abound. Myths about earning money online include that of making big money. For any man or woman who is making money on the Internet or has a money making business from home, you certainly know what these myths are.

I earn money online (making money writing), and I also have a money making business from home that's offline (freelance editorial work), and quite frankly, I'm a little fed up with myths that surround men and women who are making money online from a home based business.

Myth # 1

Men and women who work from home earn big money. Where did this work myth come from anyways? Though many money making opportunities and money making scams claim to be home-based, this doesn't mean that stay-at-home money making ideas translate into big money. Just the opposite may be true, when you consider that the home-based office often lacks the tools necessary to carry out big business. Many work at home men, women and moms must invest 10-12 hours a day in their business just to pay basic bills.

Myth # 2

Men and women who work from home have lots of free time. Yeah, right. Maybe you've heard those money making secrets radio ads in which some fluffy voiced woman claims she makes $5,000 a month working only nine hours a week. She's a paid voice-over reading a script. These radio ad people speak beautifully: no stammering, tripping over words or other speech mishaps that a real interviewee would exhibit. That's how you can tell they're fake.

Myth # 3

Men and women who work from home feel socially cut off from the community and isolated. This is so untrue. In fact, a person at a regular job may feel isolated, working in a cubicle with no windows. Any time the home-based workers wishes for human contact, they can step outside and walk down the street and start conversation with the first person they see. Or they can head for the gym or park in the middle of the day.

Myth # 4

Men and women who work from home are lonely. The home-based worker has more freedom to take a break and socialize, than a person who's trapped inside a building in a traditional office job, or a person who's in a car, van or truck all day making deliveries or performing services.

Myth # 5

Men and women who work from home miss out on intellectual stimulation. I am more intellectually stimulated making money writing from home than I was listening to the mindless drivel of co-workers at the Denver Post where I used to work.


big seminar 14

Fox <b>News</b> Remains Far Ahead Of Cable <b>News</b> Competition During Pre <b>...</b>

Fox News Channel finished #4 in prime time on all of cable (total viewers) last week - the week before their ratings are likely to increase even further thanks to the miner rescue coverage. Here's a look at the rest of cable news:

This Week in Credit Card <b>News</b> - MoneyBuilder - making sense of <b>...</b>

Discover Says US Antitrust Settlement Won't Help Consumers Discover says US consumers may not benefit from an antitrust settlement that lets merchants offer rewards and incentives to people who pay with lower-cost credit cards.

Fox <b>News</b> Gets Best Ratings Since Election Night 2008 With Miner <b>...</b>

Fox News' Day 2 miner rescue coverage (the final rescue from 8:15-9pmET) propelled the network to its best ratings since Election Night 2008. Fox News also beat broadcast networks FOX and NBC during that time period in total viewers.


big seminar 14

Fox <b>News</b> Remains Far Ahead Of Cable <b>News</b> Competition During Pre <b>...</b>

Fox News Channel finished #4 in prime time on all of cable (total viewers) last week - the week before their ratings are likely to increase even further thanks to the miner rescue coverage. Here's a look at the rest of cable news:

This Week in Credit Card <b>News</b> - MoneyBuilder - making sense of <b>...</b>

Discover Says US Antitrust Settlement Won't Help Consumers Discover says US consumers may not benefit from an antitrust settlement that lets merchants offer rewards and incentives to people who pay with lower-cost credit cards.

Fox <b>News</b> Gets Best Ratings Since Election Night 2008 With Miner <b>...</b>

Fox News' Day 2 miner rescue coverage (the final rescue from 8:15-9pmET) propelled the network to its best ratings since Election Night 2008. Fox News also beat broadcast networks FOX and NBC during that time period in total viewers.


big seminar 14




















































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