3 Reasons Not to Start an Online Business

You have seen all the headlines telling you that you can be rich, work only a couple hours a week, take a luxurious vacation and of course the photo’s of the sports cars and the mansions! Is it all true? Is any of it true? Is it possible to have all those things? Sure…win the lottery! OR…start an online business. But wait, the title says I am supposed to give you 3 reasons NOT to start an online business. OK, here they are:1. The Economy Stinks. (I could have put better and more descriptive adjectives there than stinks…but I’ll keep it clean) Yeah, the economy is awful and no one is going to be spending any money to buy things online so why should I start an online business now. Because…with so many people out of work and not being able to find a job, they are looking online to find work! Unemployment is a major problem for people. Find a way to solve it for them and you are one rich person! Taking paid online surveys or data entry jobs usually only requires start up fees of under $50. E-books can be bought for very low costs and can have a lot of information in them on how to make money online. Most people will spend that amount even if they are out of work. Also, there are a lot of entrepreneurs who have free newsletters, reports or e-books that can help you get started for free. So the poor economy is no reason not to start an online business!2. No Time. I know, you are very busy with work (if you have a job), the kids and their sports and school work or activities (if you have kids), you have activities to get to…the gym, maybe you play a sport or whatever, work around the house needs to get done…yada, yada, yada! Does the term “excuses” ring a bell! No one has time in today’s ridiculously busy schedules so where are you going to find the time to work on a home business? You have to make time! Yes, it IS possible to find a few extra hours a week to spend on your business. To start, I think most people over dramatize their “busy” schedules. How many of you spend an hour a day on Facebook or other sites, just searching around? The best thing to do is to set aside an hour a night (and I know you can) and work on an online business instead of socializing. In fact, social networking is a big part of the online business world so you can still do that but now you can get paid while you do it! Don’t use time as an excuse not to start an online business.3. Attitude, Confidence, Belief, Etc. OK, I convinced you that for a few bucks you can find information on online businesses and that the economy isn’t a factor. You now found some time to do the work. So the other reason you shouldn’t start an online business is you just don’t think you have what it takes to succeed! You don’t believe that you could make a lot of money online or you don’t think that others really do have the kind of success they tell you they do. OK, truth…you won’t be rich in a week. However, every successful entrepreneur has started at the exact same position as you are now and there are some very wealthy people in this world because of their online business. The difference between the rich and the not rich is attitude, desire, motivation, belief, confidence etc. Stop thinking you can’t and start thinking you can! Yea, you’ll fail from time to time…who hasn’t! If you want a successful online business that will allow you to work at home, be your own boss and have the freedom to do whatever you want in this world…all you have you have to do is believe in yourself and have the confidence that you will succeed.The beauty of the Internet is that it allows anyone to have a successful online business or home based business. It is not prejudiced, biased, it doesn’t care where you came from or where you are, how much money you have or what kind of education you have. All you need to do is take action and let your customers decide if the pictures you posted of the sports car next to the mansion are yours or not…

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Space News in Cyberspace

The subject of Space – interplanetary space; outer space; satellites, spacecraft; space missions, is Big Business! Space and related subjects, is therefore one of the biggest news topics after perhaps general politics and world economy, but no longer is this just true of newspapers and television channels. Space news is just as pervasive on the Internet or in cyberspace, if not more so. The Internet and the news industry were made for each other, it is little wonder then that news related websites account for approximately 60-65% of all Internet traffic and that space news related sites account for approximately 30% of this, according to various estimates.With one technological milestone after the other being breached and broken; especially in computing and telecommunications, space related activity in general has proliferated over recent years, and with it the space news business. The most obvious sources of space related news on the Internet, are websites of the various national/regional space administration bodies, such as NASA; CNES; ESA; ISRO; JAXA; CNSA; BIS; DLR; and ASRI.However, news items on these sites are sometimes, and understandably so, biased towards their own particular sphere of activity; not always, but in general. As a result, hundreds of independent space news related sites, have sprung up over recent years in an effort to provide more even coverage of space related activity and events, such as Space Daily; SPACE.com; Sky & Telescope; Aon Space, which is to do with space finance; SatNews.com and others. These are truly professional and well thought out sites, with easy to follow page layout schemes and interesting and informative articles that will appeal to most readers. The space enthusiast is truly spoilt for choice.

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High Risk Loans – 8 Things You Should Know About High Risk Loans

Every day, more people are losing their jobs and finding themselves in tough financial times. If you have ever been among these unlucky people, you may have damaged your credit rating and feel like you may not be able to get a loan. While it may be tough to find them, loans exist that are designed for people in just this situation. While it is sad that so many are struggling, it means that there is more demand for high risk personal loans, especially unsecured personal loans, and these loans are more available to people who might not have qualified for loans in the past. Bearing this in mind, here are the 8 things you should know about high risk loans:1. Payday Loans are ExpensiveYou probably already know that payday loans should really only be a last resort. Unless you are absolutely sure you can repay them in full, they will typically cost you far more than they are worth. When extended for a full year, a $100 payday loan can have almost an 800% APR. That is astronomical compared to the rates that banks and even credit cards charge.2. Payday Loans are Easy To GetYou are a grown-up, and only you can decide if it makes sense to get a payday loan. If you decide to apply for a payday loan, you will usually need to bring your ID, proof of income, a bank statement, and the date of your next pay day at a minimum. Some places also require you to have a certain level of income before they will give you a pay day loan. The good news about pay day loans is that you can get them the same or next day in most cases and there is typically no credit check, so your credit doesn’t have to be good to qualify for one.3. Payday Loans do not Improve Credit ScoresYou would think that a loan paid off in a timely fashion would help you build your credit. This is not always the case. Since these loans are not usually reported to the major credit bureaus, they do not have a bearing on your credit score.4. You Can Get a Loan OnlineOne of the best places to find a high risk personal loan is online, and you can get an online loan from the comfort of your home. If you have a poor credit rating, it can be embarrassing to apply for a loan in person only to be turned down. Going online for your application, ensures that you do not have to put yourself in this position. Online Loans usually have low limits on the amount of money you can borrow, which might prevent you from taking on more than you can handle financially.5. Tax Return Loans are AvailableKnown as Return Anticipation Loans (RALs), these loans are extended based on the anticipated amount of your tax return. Basically, they are cash advances with interest rates ranging from about 50% to over 500% APR. Keep in mind that if you file your taxes early, you can generally have your return within 8-10 days if you file electronically and use direct deposit. This is almost always a better option than a Return Anticipation Loan, but it is good to know that they exist.6. Your Car Can be Used as CollateralKnown as Car Title Loans, these are secured loans that use the title of your car as collateral. Often, the loan is for less than the car itself is worth, so it is essential that you are able to pay back the loan because the lender can take possession of your car if you are unable to pay in a timely manner. You are going to need your car, right? So, be very careful if you decide to go this route. The one positive is that secured loans such as this often have lower interest rates than payday loans.7. There are High Risk Loan StoresYou can sometimes qualify for high risk personal loans of thousands of dollars or more if you go to one of the personal loan stores that are available in some states. With the credit crunch in the United States, there are fewer of these stores than there used to be, but a few still exist. High risk personal loan stores specialize in giving loans to people with bad credit. These are not pay day loans that you pay back in a couple of weeks. These are genuine, non-collateral, unsecured personal loans that you pay back over several years. Sometimes, you can get a lump sum loan, and other times you may qualify for a line of credit where you free up more money to spend as you pay off your loan(it’s like revolving credit). The interest rate is typically high, but you have longer to pay it off, and it looks good on your credit report to have a higher loan awarded to you. These will probably take some work to find, but may be one of your best options.8. Lenders Take a Risk, TooBecause these types of loans are really high risk to lenders, the fees and interest rates are typically higher for online unsecured personal loan options than they are for traditional loans. As such, you will probably have to pay more just to acquire one. Keep in mind that these are high risk personal loans to individuals whose credit doesn’t warrant better terms, but better terms are often available to those with better credit scores or some sort of collateral.Other Things to Keep in Mind About High Risk Personal LoansOne more thing that may make the process of searching for a high risk personal loan simpler is to search in your state first. The regulations for high risk loans are different in many locations and lenders may be more apt to loan to people located closer to them. Having said that, there are many financial products online and available anytime, and it will just take a little of your time and patience for you to find the right one.Once you’ve decided which option is best, make sure that you do some research first and compare the interest rates of each lender. This will keep you from taking a loan that could cost you more money than you realized it would.

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