Home Based Business Success – The Keys to Guarantee Your Success

Home based businesses are becoming more and more common to those who are seeking a way out of the corporate work world. In fact, more home based businesses will be started this year than any other time in history. This provides a huge opportunity to those who are seeking to drastically improve their financial futures as well as their family life.The truth is though however, despite a huge surge of new business owners coming into the industry, most people simply do not have what it takes to have real success in the home based business industry and many of the people that try to start a business will end up quitting only a few months in.
To have real success in the home based business industry you must follow the following tips to truthfully take your business to a whole other level:1) Perseverance: As I mentioned above, the vast majority of people who enter this industry will end up quitting within a few months of starting which leads to the biggest reason why people do not have success in this industry. If you really want to succeed, you have to persevere when times are tough and you don’t feel like doing anything. If you can push through the times when you are unmotivated, when you have a good day it will seem that much easier.2) Desire: The people that are most successful within the home based business industry have a burning desire to win, plain and simple. They are willing to overcome any obstacle because they have their eye on the prize and they’re not concerned with how long the journey will take, they just know that they will get there at any cost.3) Leadership: Leadership is an extremely attractive quality and separates the top earners from people who are making no money. If you look at anyone that is successful in the home based business industry, you will see that all of them have the characteristic of leadership and that they are able to direct a large following effectively.4) Specialized Knowledge: There is no doubt about it, you will need to have some specialized knowledge to win in the home based business industry. For most, the learning curve is too steep and they are not willing to push through it in order to develop the skills necessary to succeed. All top earners have educated themselves thoroughly and have applied what they have learned which has resulted in their success.The truth is that the home based business industry provides an equal opportunity to all those are willing to do what it takes. If you fall into this category, then I wish you the best of luck and I will see you at the top!If you are serious about your success in the home based industry, make sure you read the resource box below and click on the link for more information.

Improving Access To Postsecondary Education

An array of family, school and community characteristics clearly work together in shaping students’ access to postsecondary education. Our research identified a number of factors, many of them interrelated, that act as barriers to students continuing their education after high school.

These factors include:

- Being from a family in which neither parents nor siblings have gone to college;
- Having parents who are not actively involved in school and in post-high school planning;
- Being from a community with low educational expectations, a community where a college education is not perceived as being particularly valuable, or a community where college is not perceived as being affordable;
- Not being in the top academic track in high school; and
- Not saving for college, not planning ahead about how to finance postsecondary education, and/or coming from a family with limited resources for college.

The Influence of Parents and Family

Undeniably, parents play a key role in shaping students’ attitudes toward college. They have the potential to be the greatest resource in helping their children prepare for postsecondary education, but if they fail to be actively involved, parents can instead create a barrier to college.

- In families where a parent completed college, college attendance is much more likely to be expected for the children. Not surprisingly, parents who completed college themselves report much higher comfort levels with assisting their child in college planning and financing than parents who do not have college experience.
- The extent to which parents have investigated financing options for college emerged as a key factor in students’ college aspirations. Students with high aspirations are much more likely to report that their parents have taken tangible steps toward planning to pay for college than are students with moderate or low aspirations.
- Educators name low student aspirations as the number one barrier to college. The next three factors educators see as key barriers to college for their students involve parents: parents’ lack of a college education, parents’ lack of involvement in planning, and parents’ perception that college is unattainable.
- Students who have a sibling in college have more positive attitudes toward college and tend to get an earlier start with college planning.

The Influence of Academic Tracks

Survey respondents were asked which of three main academic tracks they (or their children) were placed in: Advanced Placement/Honors (about 30% of students), College Prep (about 50%), or General/Vocational Prep (about 20%). While some educators reported that their high schools do not explicitly track students, virtually all students and parents were able to identify their (or their child’s) academic track. This study found dramatic differences in students’ aspirations, post-high school planning approaches, level of parental involvement and overall school experience based on their academic track.

- Parents of students in the College Prep and, particularly, the AP/Honors tracks are stronger advocates for college attendance, more proactive and helpful in planning for the future, and are more likely to have gone to college themselves.
- College-educated parents surveyed were roughly three times more likely to report that their child is in an AP/Honors academic track than were parents who have only a high school diploma. Almost no families in which both parents hold a college degree reported that their child is in a General/Voc Prep academic track.
- College Prep track students and their parents are significantly less proactive than those in the AP/Honors track about taking concrete steps for college planning and financing.
- AP/Honors students are more likely than others to report that some class time at school is devoted to college planning and that their peers are helpful in the planning process.
- General/Voc Prep track students report being less challenged by their schoolwork; they are twice as likely as AP/Honors students to say school is no more than somewhat challenging. Parents of these students report that their children receive lower levels of support and encouragement from teachers.
- Educators and students agree that schools do a better job preparing AP/Honors and College Prep students than General/Voc Prep students for success in the future.
- General/Voc Prep students report more difficulty getting their post-high school planning started and finding information about college planning than do students in the other two tracks. They are more likely to report that they wish their parents had more time to help with post-high school planning. Their parents are less likely to feel that they are receiving good planning information than are parents of students in the other two tracks.
- College Prep and General/Vocational Prep track students who have high aspirations report higher levels of support and help with planning at school (e.g., regular guidance counselor meetings, class time spent on planning, college campus visits through their school) than do those with moderate or low aspirations.

The Disparity between Attitudes and Actions

Educators see low student aspirations as the number one barrier to college, while students themselves, as well as their parents, report very high aspirations and very positive attitudes about college. Our research suggests that this can be explained in part by the distance between attitudes and actions. While students and their parents feel very positive about their futures and their chances of going to college, they are not always taking the concrete steps needed to make this dream a reality.

- 84% of students acknowledge that they hold primary responsibility for their future planning. Some students, however, particularly those in the College Prep and General/Voc Prep academic tracks, feel that it is difficult to get started thinking about and planning for college.
- Student discussions suggest that a “push” from schools to get started with planning early would be helpful, particularly for those students with low to moderate aspirations.
- Educators report that students (particularly those in a General/Voc Prep track, but also those in College Prep tracks) are not proactive in taking advantage of the planning resources that schools offer.
- Students generally perceive their parents as being quite involved and helpful with future planning. But when presented with a list of specific planning activities, they report participation by parents that is somewhat limited.
- Parents may also overestimate their level of involvement in planning for their children’s futures. More parents report having had serious family discussions about future plans than do students or young adults. Students also report having these discussions less frequently and starting them later in high school, on average, than do parents.
- Educators are less positive in rating parents’ awareness of different college financing options and the degree to which they have begun college financial planning than are parents themselves.

The Quest For Affordable Small Business Health Insurance

Studies have consistently shown that small businesses are much less likely to provide health insurance to their employees than larger companies. Indeed, the smaller the business, the less likely it is to offer health insurance benefits. As recently as 2003, about 50% of the uninsured in the United States were either self-employed or worked for companies with less than 26 employees.

The main reason for this disparity is cost. Health insurance for small businesses is typically more expensive than for larger companies (on a per employee basis) because it is more difficult for insurance companies to accurately predict the average cost of medical care for a small group. That is, risk is greater for insurance companies for small businesses since small businesses have fewer employees to spread the risk of health claims. It only takes one employee with significant health claims to have a significant impact on the overall costs for the group insurance. This is also the reason why small businesses do not self-insure; the financial risk is simply too great for the majority of small businesses.

So what can a small business do if it wants to offer health insurance to its employees? Often they have no choice but to pay the premiums. More often than not they will split the cost of premiums with their employees, typically 50/50. Unfortunately, these small business health insurance plans are not only quite expensive, but also include significant deductibles and co-payments for the employees.

Small businesses can sometimes reduce their health insurance costs by either joining or forming a purchasing cooperative to negotiate better rates and benefits from companies offering small business health insurance. Depending on the type of business, professional organizations can also offer better health insurance rates to small businesses.

In their search for affordable health insurance, small businesses should obtain multiple quotes before deciding on any one small group plan. One of the best places to start the process is online. By using the Internet, within a very short period of time, small business owners can access dozens of quotes from several insurance companies, making comparison of various plans much easier.

Of course, as a small business owner, if you are not comfortable shopping for your small business health insurance on the Internet, look for a good health insurance broker. If possible, interview more than one broker, and ask your peers for recommendations.

In order to remain competitive in the labor market, small businesses need to be able to offer health insurance benefits for their employees. This is not always easy as cost can be a limiting factor. With some effort, however, small business owners can find affordable small business health insurance. Joining buying cooperatives or professional organizations, using the Internet (probably the most convenient), or contacting a health insurance broker can be effective ways to begin the challenging process of securing affordable small business health insurance.


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