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DID YOU KNOW?

	Starting a home business is a big undertaking. There are key elements to properly set up a home business. If anything is forgotten or left out it could make starting the business difficult or impossible. The following are key elements that every home business owners needs to have in place before actually starting their business. The Computer System Every home business owner knows they need a computer. Most home businesses operate the majority of the time on the internet, so a computer is essential. The computer should be as up to date as possible with at least word processing and database programs. Virus protection is also recommended to keep the computer safe and to prevent possible problems. Having a printer is also a good idea so important papers and documents can be printed easily. A scanner may also be appropriate in some cases. All hardware and software should be the latest versions the business owner can afford. Internet Service As mentioned, most home businesses operate online, so an internet connection is important. For ultimate speed and reliability a high speed connection is the best choice. High speed connections allow large amounts of data to be uploaded and downloaded quickly. High speed internet connection save time, which means saving money for the time conscious home business owner. If a dial up connection is the only connection a business owner can get or afford then the fastest one should be chosen. Phone System Even though a lot of work may be done online, a phone is still an important business tool. The phone is a great way for a business owner to stay connected with suppliers, customers and employees. If the business owner has a dial up connection then two phone lines are a must. It is also good for a business owner to have two phone lines irregardless of internet connection so that one can be completely dedicated to the business. Filing System Any business, whether at home or not, needs a filing system to keep track of invoices, payroll records, order records and other important information. A filing cabinet is preferred, but if not at least some boxed filing system should be maintained. These are the four basic things that are needed to set up a home business office. If any of these things are missing then there could be lost information or inefficiency in how the business works.

If your mailbox is stuffed with bills each month--credit cards, personal loans, auto loans and more--you might be thinking that debt consolidation can help you regain control of your finances. And you're right! It cuts back on paperwork, and in some cases it can help you lower your interest rate too! But before you sign on with a debt consolidation loan, make sure you're getting the lowest rate possible by checking out these options:

Home Equity Loan

A Home Equity Loan or Home Equity Line Of Credit taps into the equity in your home--the amount your home is valued minus the amount you still owe on it. You borrow against this equity, essentially using your home as collateral. These loans tend to have super low interest rates, and in many cases the interest you pay throughout the year is tax deductible too! But don't sign up for one unless you’re absolutely sure you can make the monthly payments, since your lender can take your home if your loan goes into default.

Debt Consolidation Service

A debt consolidation or debt management service will roll all your bills into one monthly payment. You pay the service once a month, and they divvy your payment up among creditors. They may also be able to negotiate on your behalf for a lower interest rate, which could save you money in the long run. Watch out for scam artists who make promises they can't keep, though. Check out any debt consolidation service thoroughly with the Better Business Bureau.

Personal Loan

In some cases, you may be able to get a personal loan from a bank or credit union. And since the average interest rate on a credit card is about 18%, the loan may be able to help you lower the rate you're paying. Simply borrow the amount you need, pay them off, and then you'll only have one loan--your personal loan--to worry about.

As you look for a debt consolidation solution, be sure to explore lots of options. Many of them can help you do more than just consolidate your debt--they can help you get a lower interest rate, too!