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Starting a home business (Pm-1149b) (Pm-1149b)

of our lives-if we have ever purchased a home, a car, or other major item or if we use credit cards.

When we shop for autos or houses or even appliances or electrical or computer equipment, and we want to finance the items (get them on a loan to own or credit basis), the ones doing the financing will run a credit check with one of the 3 major credit bureaus: they will consult with or contact Equifax, Experian, and/or TransUnion. Listed here in alphabetical order are some of the particulars of each of the three major credit unions:


Equifax - www.equifax.com - Equifax offers services and products to protect against identity theft, to manage and check credit, and to prepare for a major purchase. Equifax also provides tools for checking the value of a property, credit ranking, and the latest in business solutions (for B2B, B2C, and direct marketing, for example) and news featuring such valuable articles as “Small Businesses Beware: ‘Rip Me Off’ is Written all over You;” “Yo Say You Can Smell Phish in Your In-box?” “Credit Union Thwarts Phishers and Reveals How;” and “Websites Let Users Send Email to Future.”

TO CALL
For general concerns, call 1-800-685-1111
To report or investigate fraud, call 1-800-525-6285

TO WRITE
To send snail mail correspondence, write to
PO Box 740241, Atlanta, GA 30374


Experian - www.experian.com - Experian also offers products and services to protect against fraud, to check 3-credit bureau reports, to check vehicle history (with a report), and to get further educated-understanding your credit and heeding customer alerts (such as those on Experian’s Katrina victims help pages and how to beware of phishing).

TO CALL
For general concerns, or to report or investigate fraud, call
1-888-397-3742

TO WRITE
To send snail mail correspondence, write to
PO Box 2002, Allen, TX 75013

TransUnion - www.transunion.com - Like the latter two, TransUnion offers products and support services for credit monitoring, provides fraud-prevention education and help, and free credit card report disclosures. As well, you can subscribe to the newsletter, to stay updated and get helpful credit tips; can find much information on preventing fraud or resuscitating your credit if you have been a victim of fraud; and can dispute credit card items you suspect or know to be false.

TO CALL
For general concerns, call 1-800-888-4213
To report or investigate fraud, call 1-800-680-7289

TO WRITE

To send snail mail correspondence, write to
PO Box 2000, Chester, PA 19022

If you need to, use all three major credit bureaus, then, for help or support or use one, as each of these three offers a combined, 3-in-1 report.
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Getting Rich in Your Underwear: How to Start and Run a Profitable Home-Based Business Getting Rich In Your Underwear: How To Start And Run A Profitable Home-Based Business will help you get started with your own home business. The book covers these topics:

* Business Models And The Home Business. Learn how to select a profitable business endeavor with growth potential. Understand back-of-the-envelope calculations and how to evaluate your business ideas. A strong focus is distribution and product fulfillment.

* Personal Success Characteristics. Learn some of the common pitfalls that home business entrepreneurs fall into. Learn about the importance of selecting a business suited to your personality.

* Overcoming The Fear Of Starting A Business. Learn some of the reasons people who contemplate starting a business fail to act. Learn what you can do to avoid becoming one of them.

* Naming Your Business. Learn how to choose and register an effective business name. Understand the role of trademarks in protecting your name. Selecting a web-domain name is also discussed.

* Zoning. Understand the concept of residential zoning and how it might affect your business. Learn about local business licensing.

* Insurance. Learn about the importance of health and disability insurance for a home-business owner. Learn how operating a home business might affect your homeowners’ and car insurance.

* Intellectual Capital: Copyrights, Trademarks, And Patents. Learn how creating proprietary products can make you rich. Learn about the often overlooked area contracts and licensing intellectual property (IP).

* Limited Liability Companies And S Corporations. Learn how to reduce your risk and protect your personal financial assets through the establishment of a corporation or an LLC. Learn how forming an S-corporation can save you thousands of dollars in self-employment taxes.

* Business Expenses. Learn what expenses are justifiable tax deductions. Learn about the amortization of start-up costs and depreciation.

* Home-Based Business Taxes. The book introduces new sole proprietors to the most common tax forms they’ll need. A worked tax example, using “Janet’s Advertising Design” demonstrates IRS Schedule C, Schedule SE, and Estimated Tax Payments in detail.

* Seven Home-Based Business Ideas. A short survey discusses: Information Broker/Researcher; Real Estate Investor/Manager; Seminar Educator/Professional Speaker; Financial Planner; Author/Publisher; Niche Online Retailer/eBay Seller; and Auctioneer

* Basic financial management for the home entrepreneur. Operating a home business forces you to learn the basics of financial planning. As a home entrepreneur, your retirement is in your hands. Learn about the safest and best retirement planning moves today.

* Fifteen Basic Steps In Starting A Home-Based Business. A detailed list helps you check off milestones in getting your new company started.

* State-By-State Resources For Starting Your Business. A detailed guide is provided to help you learn about local and state business regulations, licensing, state taxation, and name registration.

Getting Rich In Your Underwear: How To Start And Run A Profitable Home-Based Business is primarily written for those just starting a home business. The book is more basic than Hupalo’s Thinking Like An Entrepreneur.
Customer Review: Sober Advice for Would-Be Entrepreneurs
If you are thinking about starting a home-based business, spend some time pondering this book.

Peter Hupalo has done all would-be entrepreneurs a favor by presenting a sober picture of the joys and tribulations of going-it-on-your-own. While I am not so sure about the underwear part, Hupalo offers a clear, well-written guide to starting your home-based business.

I have been home-based for more than 20 years. In my experience, you will need something covering your underwear if you plan to succeed. In my home state, Connecticut, the vast majority of business formations have failed within two years of their filing. To me success is a matter of prospecting, networking, execution and performance. That translates into face-to-face meeting. You will need some cloths.

Once you get beyond that idea, the book is great. The author covers critical topics such as:
* Business Models
* Personal Success Characteristics
* Naming your business
* Zoning
* Insurance
* Intellectual Property
* Limiting your Liability
* Business Expenses
* Taxation
* Financial Management

In my opinion, the best chapter provides state-by-state resources for starting your business. It provides a detailed guide to local and state business regulations, licensing, state taxation, and name registration. This chapter alone justifies the book’s price and any time you spend reading it.

If you have the proper make-up, working for yourself is great. But, as Hupalo correctly points out, there is an opportunity cost. If you understand it and accept the risks associated with that cost, you are well on your way to starting your business. This book will help you clarify those issues.

Business Start Up Guide 2.0 Customer Review: The real deal and only $5.00.
The real deal by the founder of the Umbroller stroller company (now owned by Newell) and American Power Conversion (APCC). Based on Macmillan/Ballantine book; 1 hour of how to video. Practical helpful advice; I learned a ton about practical stuff as well as do you want to do this at all. Very good on selling; early growth; need for profits and cashflow. A lot of dot commers wouldn’t have gone up in smoke if they read this first.