Having your own home based business can be a dream, but are you protected? Many people remember to purchase business insurance, because often a home based business is not covered by a homeowners insurance policy. However, were you aware that your auto insurance may not protect you if you are driving for your home based business?The first thing you should do if you have a question about whether your individual auto insurance covers you for the business driving that you do is to discuss the type of driving performed with your insurance broker. However, if you do significant amounts of driving for your home based business, you have others that do driving for you, or you own a business related vehicle, you will probably be encouraged to purchase commercial auto insurance for your home based business.So what does commercial auto insurance for your home based business cover? Basically, it will offer you the same type of coverage that your individual policy offers. Liability, collision, comprehensive, personal injury, and uninsured motorist coverage are all normal aspects of your commercial auto insurance policy. However, if your employees driver their own cars for your business, you can obtain a “non-owned” endorsement to your commercial auto insurance for your home based business. You will want to sit down with your auto insurance broker to make sure you have all the coverage you need.Make sure, though, that you remain a smart and savvy shopper for commercial auto insurance for your home based business. You need to make sure you obtain at least 3 quotes from different auto insurance companies so that you can compare price and levels of coverage. Discuss your situation with a broker rather than an agent so that you can obtain more than one quote in a single sitting.You will also want to check the financial stability of the companies you are considering, so check with A.M. Best, Fitch, or Standard and Poor’s to make sure you commercial auto insurance company is highly rated. Finally, check with your state insurance department to check consumer complaint ratios and obtain recommendations from other business owners.Read the rest of the article here: Commercial Auto Insurance for Your Home Based Business.Download the Home Based Business Manual (Free $97 Value!) and receive valuable tips, strategies and techniques designed to grow a very successful Home Based Business.

Setting a business is a Herculean task. Small businesses have to bear huge expenses. They have to build the infrastructure, recruit the employees and manage other business activities. However, these businesses do not get always get financial assistance from the popular banks. A popular bank is the first organization that the businesses approach for monetary support. However the loans are often rejected by several banks or other financial organizations. Only few businesses fulfill the pre-requisites for procuring these loans and become successful to obtain them at the right time.

The last resort for the small businesses is to procure a loan from the Small Business Administration (SBA). This US agency, has introduced small business start up loans to help the businesses who are unable to get loans from banks. They have the noble mission to allow the start-up businesses get established. In this way, they aim to contribute to the economic advancement of the nation. Here are a few benefits of procuring these loans for your business.

Act as guarantors

The Small Business Administration does not provide these loans to the businesses directly. They act as guarantors for numerous banks and other lenders who follow the guidelines of SBA to offer the loans to small businesses. It monitors as well as regulates the functioning of these private lenders through which they offer loans to the businesses.

Fulfill basic criteria

In order to qualify for a loan, a start up business has to meet certain criteria. Size requirement, financial standing and other factors are considered. Such loan is not offered to a business if it has access to other financial sources.

Easy repayment

The banks and other lending organizations follow strict guidelines about debt repayment. If you fail to repay the loan within the scheduled time, then you may have to face severe penalties. Unlike conventional loans, SBA follows longer repayment guidelines for the benefits of the start-up businesses. Prolonged repayment time means steady flow of cash in your hand. Debt repayment is less problematic.

Get loans fast

Another benefit of small business start up loans is that the businesses can procure them quickly. Once you apply for the loan, you can acquire it within a short period of time. The quick processing makes the loan beneficial option for the owners who are fully dependent on these loans for running their business successfully.

Procure loans with poor credit history

You can obtain these loans even if you have bad credit histories such as insolvency, arrears, bankruptcy and others. Banks reject loan applications of the businesses that have poor credit history and other financial discrepancies. By getting these SBA loans, you have the opportunity to change as well as improve the credit records.

Get Loans without a mortgage

Do you have any property that can be used for mortgage purpose? Even if you do not possess such property, you will not find difficult to get a loan. The SBA acts as a guarantor that helps you to obtain loan for start-up business. It is helpful for the owners who do not have adequate capital and properties.

One of the keys to succeeding in information product creation is to break the process up into discrete steps. This frequently isn’t an instinctive reaction for the typical information marketer. Especially on the internet where small sized learning products are the norm.

However, it is extremely important to your ultimate success. In fact, I would go so far as to say that if you don’t do this you probably won’t succeed… even when you are starting out let alone as you move forward.

Your product creation system should do this for you if only to help you to understand the overall task.

But why?

In this article, I’m going to ignore chunking and focus on the practical aspects. That’s not to say that chunking isn’t important. It is. It’s important to understanding and to learning the process. But while you can use the same chunks as you move forward, long term your focus needs to be on the operation of the system not the understanding of it. Unless of course you are constantly training new people!

So why is chunking important to long term use of the product creation process? (Yes, I know systems design uses a different term for this process but I’m not teaching you systems design. So I’m going to use the word learning content designers use.)

The first reason that having individual discrete tasks is important is one of schedule estimation. Frequently it is very difficult to estimate how long the total task of creating a product will take. After all, the size and type of the products matters as does the number of products in your product funnel. And those are just the most obvious elements. However, estimating a discrete task is often much easier. The total can then be estimated as the total of the discrete tasks.

Secondly, scheduling a large task can be problematic. However, by segmenting the task into a number of discrete tasks, you gain a much greater flexibility in scheduling. Not only that but as your business begins to add people you are able to schedule multiple people to the product creation.

Finally, segmenting a large task into smaller discrete tasks allows you to have much better control over the product creation. This affects two different areas — status and quality.

By segmenting your process into discrete tasks you are able to schedule and record the progress at much more detailed level. As a result you are more in control of the status of the product creation. You know what everyone is doing. When they should complete it. And how much it should cost. You also know exactly what has been done.

You also improve your overall quality. Instead of waiting until everything is done you can check quality as you go. This allows you to immediate react to low quality products without absorbing their costs. This means that you have less rework and your rework costs less. And if the product is not going to meet its quality requirement you will know about it in time to stop the development, change the requirement or fix the product.