All Started

Should I Get a Loan to Start Up My Business Right Now?

So, you’ve just made the decision to start up a business. Starting up a business is an exciting time when you’re filled with energy and enthusiasm.

Congratulations! Now come the inevitable questions and doubts.

+ Do I have enough money to start up my business? + Should I take out a loan right now? + Am I qualified for this business?

These are the three powerful questions most new business owner asks. If you’re asking them right now, you don’t have to let them stop you from moving forward. Instead, address these challenges head-on by implementing the following crucial start-up solutions.

1. Do I have enough money to start up my business?

As a small business coach, I see new business owners fail at dealing with this question more than any other. And with good reason. They just don’t know how much it will cost to start up or how long it will be before their new business starts making money.

Problem: One of the reasons this is so difficult to calculate is because starting up a home-based business will have different start-up requirements than opening, for example, a cupcake store.

Solution: No matter what type of business you’re starting, these are the most common start-up business expenses that both home-based and store-based businesses need to calculate:

+ Equipment – Every start-up has some equipment needs. Make sure you compute these for up to five years.

+ Space – Whether you use your home or an office, you need business space. Even if you have a home business office, be sure to factor in an increase in phone, Internet, and utility bills.

+ Marketing – Be sure to include additional cell phone time, business cards, advertising, flyers, printer ink, web hosting, and paper.

+ Networking – Make sure you factor in the cost of joining and attending local and regional networking events for the next five years.

+ Transportation – Will there be a change in your transportation or traveling needs? More gas, less gas? New vehicle?

+ Filing fees – Will your business be a DBA, LLC, NPO, or Corporation? Does your new business require local, state, or national licenses? In any event, you’ll have filing fees.

+ Banking – You’ll need to have a business account at a bank if you want to accept checks and credit card payments under your new business name. Don’t run your new business through your personal account.

+ Credit Card Processing – Merchant accounts, using PayPal, and even credit card swipe machines all cost money.

+ Continuing Education – What classes, training, and books do you need over the next five years to make you and your business successful?

+ Professional Services – You’ll need a CPA to get your books set up properly, an attorney to draft your contracts, and a business coach to help see you through the start-up process. Don’t skimp here.

2. Should I get a loan right now?

Whatever you do, don’t take out a loan to get your new business started up unless you have a guaranteed client or customer base to start with. Why? Because a loan is debt. And to start out your business with debt spells disaster, unless you have clients and customers waiting in the wings.

Problem: During our current recession economy, I’ve seen far too many businesses go belly-up because people relied on loans and other soft monies to start up, only to blow through that money without giving a thought to securing a client base beforehand.

Solution: Secure your client and customer base first, before you start up. Next, calculate your start-up expenses, plus five years, based on your guaranteed sales. This way, your start-up expenses will be manageable and you won’t need a loan!

3. Am I qualified for this business?

One of the things I counsel my clients against is starting up a new business that is more than two degrees different from anything else they’ve done before in their life or career. That’s because if you extend beyond three degrees it is likely that you’ll end up feeling overwhelmed with all that you’ll need to learn and do just to get up-to-speed.

Problem: You like helping people and running errands, so you want to start your own concierge business. It might surprise you to hear, though, that that may not be a close enough match to bridge easily. Certainly, being a “people person” is critical. However, you also need to know the surrounding area in which you work and all of the amenities offered. Are you good at multi-tasking? How good are your listening and communication skills? Do you have any experience owning a business or managing people? You also may need to be certified in certain areas, such as travel and hospitality.

Solution: One of the challenges of starting up a new business is making sure you have enough existing skills and experience in place to make a good fit for your new business. In this day and age you must be qualified, in the now!

Starting up a business is an exciting time when you’re filled with energy and enthusiasm. There are also some common temptations to watch out for during this time, including failing to properly calculate start-up costs, depending on a loan to start up, and taking on more than you’re qualified to handle. The good news is you can deal with these challenges simply and easily by implementing these crucial start-up solutions. If you do, you’ll bypass the three catastrophic mistakes most new business owners make and get off to a flying start.

About the Author

Dr. Susan L. Reid is a business coach and consultant for entrepreneurial women starting businesses. She is the award-winning author of “Discovering Your Inner Samurai: The Entrepreneurial Woman’s Journey to Business Success,” and has a free chapter PDF of her most popular chapter: ”
Doing What You Love: Multiple Streams of Passion
” for those who want see how persistence, patience and practice can really pay off.

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1:12 Special Forces Military Hummer Electric RTR RC Truck $29.95 Make sure you hold on tight when you grab the controls of the Special Forces Military Hummer RC Truck! This great RC truck is ready to take you wherever you want to go, while the huge rubber tires, telescoping antenna and a full function transmitter allow you to explore all different types of terrains! The Special Forces Military Hummer also has one of the coolest features around, being able to raise and lower the entire car or just the front and rear with the controller! That’s right with this RC you can make the truck bounce and jump! This great RC truck has everything you need to get started, including a rechargeable battery pack for the truck, a wall charger and a 9V battery for the transmitter! Explore new places like never before with the Special Forces Military Hummer 1:12 Electric RTR RC Truck!

1:14 Escalade MX Racing Expert Blue Electric RTR RC Remote Control Truck (Color May Vary) $16.95 Introducing the Cadillac Escalade Blue 1:14 Electric RTR RC Truck! This RC truck features a full function transmitter that allows you to controls the vehicles in any direction and on any terrain! You can drive in style whether it’s day or night thanks to the flashing wheel lights. With a high gloss finish and detailed paint job, anyone can appreciate the look of this RC truck and with huge off-roading tires, big front and rear bumpers and chrome rims this RC is the definition of stylish. The Cadillac Escalade Blue comes ready to run right out of the box all you need to get started is 4 AA batteries for the truck and a 9V battery for the transmitter. So what are you waiting for. Get the Cadillac Escalade Blue 1:14 Electric RTR RC Truck today!

1:14 MX Racing Expert Dodge Ram Electric RTR RC Remote Control Truck (Color May Vary) $16.95 Introducing the MX Racing Expert Dodge Ram Yellow 1:14 Electric RTR RC Truck! This RC truck features a full function transmitter that allows you to controls the vehicles in any direction and on any terrain! You can drive in style whether it’s day or night thanks to the flashing wheel lights. With a high gloss finish and detailed paint job, anyone can appreciate the look of this RC truck and with huge off-roading tires, big front and rear bumpers and chrome rims this RC is the definition of stylish. The MX Racing Ram comes ready to run right out of the box all you need to get started is 4 AA batteries for the truck and a 9V battery for the transmitter. So what are you waiting for. Get the MX Racing Expert Dodge Ram Yellow 1:14 Electric RTR RC Truck today!

1:16 Dodge Ram Monster Crusher 1:16 Remote Control RTR RC Truck (Color may Vary) $24.95 Dominate any type of terrain with the all new Dodge Ram Monster Crusher 1:16 Electric RTR RC Truck. Featuring a full function transmitter this awesome RC allows you to control every single move it makes with ease! But don’t think this RC is only good for off roading because this bad boy can haul on and off the road. The plastic body is extremely durable while the huge front bumper make this RC extremely rugged. The Dodge Ram Monster Crusher comes ready to go right out of the box with everything you need to get started including a 7.2V rechargeable battery for the truck, a 9V battery for the transmitter and a wall charger! Working lights help this awesome RC truck stand out whether it is night or day! A must have for fans of off roading, get the Dodge Ram Monster Crusher 1:16 Electric RTR RC Truck today and have a blast!

1:16 Hummer Super Cross Country Electric RTR Remote Control RC Truck (Color May Vary) $8.95 Make sure you hold on tight when you grab the controls of the Super Cross Country Hummer RC Truck! This great RC truck is ready to take you wherever you want to go, while the rubber tires, a telescoping antenna and a full function transmitter allow you to explore all different types of terrains! The Super Cross Country Hummer also has working lights allowing you to drive and explore day and night! All this RC truck needs to get started is 4 AA batteries for the truck and a 9V battery for the transmitter. Explore new places like never before with the Super Cross Country Hummer Red 1:16 Electric RTR RC Truck!

1:18 Hummer H3T Fire Ball 1:18 Remote Control RTR RC Truck (Color May Vary) $19.95 Dominate any type of terrain with the all new Hummer H3T Fire Ball 1:18 Electric RTR RC Truck. Featuring a full function transmitter this awesome RC allows you to control every single move it makes with ease! But don’t think this RC is only good for off roading because this bad boy can haul on and off the road. The plastic body is extremely durable while the huge front bumper make this RC extremely rugged. The Hummer H3T Fire Ball comes ready to go right out of the box, all you need to get started is 6 AA batteries for the truck and a 9V battery for the transmitter! Working lights help this awesome RC truck stand out whether it is night or day! A must have for fans of off roading, get the Hummer H3T Fire Ball 1:18 Electric RTR RC Truck today and have a blast!

1:18 Torque Buggy Electric RTR Remote Control RC Car (Color May Vary) $16.5 The Torque Buggy 1:18 Electric RTR RC Car not only looks good, but it will live up to its name from the moment you open up the box. This awesome electric powered RC has a sleek body with rugged off road rubber tires that are sure to kick up a lot of dirt. The working suspension will also help this RC handle turns as quickly as you can take them. With a fully functional transmitter this car can be controlled through the toughest terrains. This RC also comes ready to go right out of the box and all you need to get started is 6 AA batteries for the buggy and a 2 AA batteries for the remote control. So what are you waiting for. Hurry up and get the Torque Buggy 1:18 Electric RTR RC Car and see how extreme you can get!

1:24 Genesis Chariots Super Gas Tanker Electric RTR Remote Control RC Truck (Color May Vary) $29.95 Are you fascinated by big 18 wheeler trucksn Do you enjoy the open road. Then the Genesis Chariots Super Gas Tanker 1:24 Electric RTR RC Truck is perfect for you! This great RC truck is the perfect replica to the big rigs we see everyday on the freeway. With working lights this RC 18 wheeler has everything you would come to expect of a true big rig replica! A 19.5 inch long trailer is the perfect addition to this awesome truck as it makes it a true big rig, and with a full function transmitter with a telescoping antenna you will be sure to get all of the cargo gets to its destination safe! Everything you need to get started is included with this awesome RC, including a 6V rechargeable battery pack for the truck, 1 9V battery for the transmitter and a wall charger! So what are you waiting for. Hurry up and get the Genesis Chariots Super Gas Tanker 1:24 Electric RTR RC Truck because its ready to go!

1:24 Hummer Statelines Police Car Electric RTR Remote Control RC Truck (Color May Vary) $10.95 Protect and Serve in style with the Statelines Police Car Hummer Black 1:24 Electric RTR RC Truck! This awesome Police RC truck is a lot of fun as it tears up the trails and the streets! A full function transmitter puts the power and control of this police RC in your hands, and don’t worry because big off road rubber tires will be sure to help you climb over any kind of terrain! Not only is this RC powerful it looks good too with detailed police decals and working wheel lights! All you need to get started is 3 AA batteries for the truck and 2 AA batteries for the transmitter. So stop waiting and get the Statelines Police Car Hummer Black 1:24 Electric RTR RC Truck today!

1:24 Range Rover Sport Light Show Electric RTR Remote Control RC Truck (Color May Vary) $9.95 This is the new Range Rover Sport Light Show 1:24 Electric RTR RC Truck. This RC truck comes with a full function radio control that allows for forward, backward, left, right, and stop movement. This RC truck has an undercarriage and rims that light up to create an exciting light show. Impress your friends with this super fun RC truck. Just grab the controls and turn off the lights and let this RC truck light up any room! This Ready-to-Run (RTR) RC truck comes ready to go right out of the box, all you need to get started is 4 AA batteries for the vehicle and 2 AA batteries for the transmitter and you are good to go. Hurry and get the Range Rover Sport Light Show 1:24 Electric RTR RC Truck today and have a blast!amp;

1:24 Victor High Speed Road Racing Lightning Electric RTR Remote Control RC Car (Color May Vary) $9.95 Get ready to tear up the streets with the Victor High Speed Road Racing Lightning 1:24 RC Car! People will be rubbing their eye’s in disbelief because of how stylish this RC is. Featuring a full function transmitter and rubber tires, this great RC gives you complete control allowing you to hit speeds while taking corners with ease! Working headlights and a detailed design help this RC car stand out during the day and night! All you need to get started is 4 AA batteries for the car and 2 AA batteries for the transmitter. Get the Victor High Speed Road Racing Lightning 1:24 Electric RTR RC Car today!

1:32 Chevrolet Corvette 4WD Drift Racer Electric RTR Remote Control RC Car (Color May Vary) $14.95 Grab the controls and feel the speed and power of the Chevrolet Corvette 4WD Drift Racer 1:32 Electric RTR RC Car! With detailed racing decals and paint this great RC car looks as good as it drives! 2 sets of racing tires for road racing and drifting and a rear spoiler help keep this fast RC drift race car grounded through any corner or turn! All you need to get started is 3 AAA batteries for the vehicle and 2 AAA batteries for the remote. You will be sure to turn some heads with the speed and style of the Chevrolet Corvette 4WD Drift Racer 1:32 Electric RTR RC Car so hurry and get yours today and you will have the coolest racing RC Drift Car around!

1:32 Modern City Super Power Hauler Electric RTR Remote Control RC Truck (Color May Vary) $19.95 Are you fascinated by big 18 wheeler trucks. Do you enjoy the open road. Then the Modern City Super Power Hauler 1:32 Electric RTR RC Truck is perfect for you! This great RC truck is the perfect replica to the big rigs we see everyday on the freeway. With working lights and music this RC 18 wheeler has everything you would come to expect of a true big rig replica! A 15 inch long trailer is the perfect addition to this awesome truck as it makes it a true big rig, and with working headlights this RC is as true as it gets! A full function transmitter and rubber tires help to make sure all of the cargo gets to its destination safe! Everything you need to get started is included with this awesome RC, including a 4.8V rechargeable battery pack for the truck, 1 9V battery for the transmitter and a wall charger! So what are you waiting for. Hurry up and get the Modern City Super Power Hauler 1:32 Electric RTR RC Truck because its ready to go!

1:32 Super Power Semi Helicopter Flatbed Electric RTR RC Remote Control Truck (Color May Vary) $17.5 There’s nothing more American than the semi trailer truck. Considered to be workhorse of America, now you can own the RC version of this fantastic machine. Introducing the Super Power Semi Helicopter Flatbed Electric RC Truck. This 1:32 scale RC comes with the semi tractor and the flatbed trailer making it 22 inches long. Featuring full function radio control you’ll be able to steer this rig in any direction just like the real thing. Turn off the lights and you’ll be treated to a light show from the wheel and under lights. The trailer is removable allowing you to drive only the semi tractor. All you need to get started is 4 AA batteries for the RC and a 9V battery for the transmitter. Get the Super Power Semi Helicopter Flatbed Electric RC Truck and become king of the streets!

1:32 Super Power Semi Motorcycle Flatbed Electric RTR RC Remote Control Truck (Color May Vary) $17.5 There’s nothing more American than the semi trailer truck. Considered to be workhorse of America, now you can own the RC version of this fantastic machine. Introducing the Super Power Semi Motorcycle Flatbed Electric RC Truck. This 1:32 scale RC comes with the semi tractor and the flatbed trailer making it 22 inches long. Featuring full function radio control you’ll be able to steer this rig in any direction just like the real thing. Turn off the lights and you’ll be treated to a light show from the wheel and under lights. The trailer is removable allowing you to drive only the semi tractor. All you need to get started is 4 AA batteries for the RC and a 9V battery for the transmitter. Get the Super Power Semi Motorcycle Flatbed Electric RC Truck and become king of the streets!

2 Cases + Cable + 2 Chargers + HDMI + Headset + Screen + 2 Holders for Motorola Atrix 4G MB860 $28.97 This combo is all you’ll need to get you started with your Atrix 4G. This combo comes with Stylish cases and accessories to keep your Atrix 4G safe and running.

2 Hard Cases + 2 Screen + 2 Chargers + Cable + Stylus + Holder + Headset for Motorola Atrix 4G MB860 $20.97 This combo is all you’ll need to get you started with your Atrix 4G. This combo comes with Stylish cases and accessories to keep your Atrix 4G safe and running.

2 Hard Cases + Charger + Cable + Holder + Stylus + Headset +LCD+HDMI for Motorola Atrix 4G MB860 $24.97 This combo is all you’ll need to get you started with your Atrix 4G. This combo comes with a Stylish cases and accessories to keep your Atrix 4G safe and running.

20 Questions to Ask Before Buying on eBay $0.96 Of the millions of eBayers, the vast majority are buyers. In 20 Questions to Ask Before Buying on eBay, shoppers will learn it all?from how to get started, how to search for an item, and how to ?etch? an item; to how to place a bid, how to not get outbid, what happens when the auction ends, and the importance of feedback.

200 Difficult Sudoku Puzzles $10.54 Sudoku is the number-placing puzzle that is spreading across the world. The rules are simple, you do not need to know any mathematics, all you need is logic. The puzzles in this book do not require any guessing. They can, and should, be solved by logic steps. This book contains 200 difficult Sudoku puzzles, including solutions and clues. All of the puzzles in this book are made by hand and carefully tested to make sure they are difficult but not impossibly so. You should be able to solve one of the puzzles in under 30 minutes. That means this book can keep you occupied for up to 100 hours! The book also includes a few examples on how to solve Sudoku puzzles to get you started in case you have bought this book without ever having solved a Sudoku before. If that is the case, the clues may also be of help. However, this book is intended for the reasonably experienced Sudoku player.

2003 Songs (Music Guide): Volvo Driving Soccer Mom, Dragostea Din Tei, Toxic, Naughty Girl, Everytime, Dangerously in Love 2, Outrageous $24.54 Chapters: Volvo Driving Soccer Mom, Dragostea Din Tei, Toxic, Everytime, Naughty Girl, What Hurts the Most, Outrageous, Angels Brought Me Here, Lost Without You, I Begin to Wonder, Come Clean, Miss You, if I Ain”t Got You, Trick Me, Turn Me On, on N”oublie Jamais Rien, on Vit Avec, Brother, Don”t Wanna Lose This Feeling, Breaking the Habit, Not in Love, Let”s Get It Started, Innocent Eyes, Excuse Me Miss, Everybody”s Fool, Lovelight, Losing Grip, I”ve Just Begun, Diary, L”amour Est Un Soleil, Mourir Demain, Je Voulais Te Dire Que Je T”attends, Millionaire, Toujours Pas D”amour, Lovesong, Hey Oh, Black Cherry, Entre Nous, Karma, 45, Y”all Want a Single, the Little Voice, Like Glue, Feelgood Lies, Just One Last Dance, Stream of Consciousness, the Reason, Lying From You, Paradise

2008 Country Superstars Sheet Music Playlist – P/V/G Songbook $19.95 Alfred Music Publishing is the world s largest educational music publisher. Alfred produces educational #44; reference #44; pop #44; and performance materials for teachers #44; students #44; professionals #44; and hobbyists spanning every musical instrument #44; style #44; and difficulty level. Titles: All Summer Long (Kid Rock) * All-American Girl (Carrie Underwood) * A Baby Changes Everything (Faith Hill) * Bob That Head (Rascal Flatts) * Do You Believe Me Now (Jimmy Wayne) * Every Other Weekend (Reba McEntire) * Everybody (Keith Urban) * Good Friend and a Glass of Wine (LeAnn Rimes) * Holler Back (Lost Trailers) * Home (Blake Shelton) * How Long (Eagles) * I Still Miss You (Keith Anderson) * Just a Dream (Carrie Underwood) * Just Got Started Lovin apos; You (James Otto) * Last Name (Carrie Underwood) * Let It Go (Tim McGraw) * Life in a Northern Town (Sugarland) * Lookin apos; for a Good Time (Lady Antebellum) * Love Don apos;t Live Here (Lady Antebellum) * Maybe She apos;ll Get Lonely (Jack Ingram) * Praying for Time (Carrie Underwood) * Put a Girl in It (Brooks Dunn) * Red Umbrella (Faith Hill) * Rollin apos; with the Flow (Mark Chesnutt) * Stronger Woman (Jewel) * That Song in My Head (Julianne Hough) * Things That Never Cross a Man apos;s Mind (Kellie Pickler) * Waitin apos; on a Woman (Brad Paisley).

2008 Pop & Rock Sheet Music Playlist – P/V/G Songbook $19.95 Alfred Music Publishing is the world s largest educational music publisher. Alfred produces educational #44; reference #44; pop #44; and performance materials for teachers #44; students #44; professionals #44; and hobbyists spanning every musical instrument #44; style #44; and difficulty level. Titles: 4 Minutes (Madonna and Justin Timberlake) * All Summer Long (Kid Rock) * Almost Lover (A Fine Frenzy) * A-Punk (Vampire Weekend) * Auld Lang Syne (Mairi Campbell and Dave Francis) * Crush (David Archuleta) * Do You Believe Me Now (Jimmy Wayne) * Don apos;t Stop the Music (Rihanna) * Everything (Michael BublT) * Falling Slowly (from Once) (Glen Hansard and Marketa Irglova) * Goodbye Philadelphia (Peter Cincotti) * Halo 3 Theme: One Final Effort (Martin O apos;Donnell and Michael Salvatori) * Hey There Delilah (Plain White T apos;s) * Home (Blake Shelton) * Hot N Cold (Katy Perry) * I Kissed a Girl (Katy Perry) * In Love with a Girl (Gavin DeGraw) * In My Arms (Plumb) * Just Got Started Lovin apos; You (James Otto) * Last Name (Carrie Underwood) * Leavin apos; (Jesse McCartney) * Lost (Michael BublT) * New Soul (Yael Nanm) * One Step at a Time (Jordin Sparks) * Our Time Now (Plain White T apos;s) * Paralyzer (Finger Eleven) * Porcelain Doll (Megan McCauley) * Praying for Time (Carrie Underwood) * Psycho (Puddle of Mudd) * Sorry (Buckcherry) * The Story (Brandi Carlile) * That apos;s What You Get (Paramore) * What About Now (Daughtry) * Whatever It Takes (Lifehouse).