The Value of Being a Stay-at-Home Mom
All you stay-at-home moms can take heart! A recent newspaper article stated that in the USA there are about 5.4 million moms opting to stay home and care for their children rather than going outside the home to work.But just because mom isn't bringing home a weekly paycheck doesn't mean she isn't contributing to the family's finances. As we all know, some of the hats we moms wear are: chauffeur, cook, housekeeper, nurse, chief financial officer, child care worker, and many others!In today's world, the value of all these jobs, on a 24/7 basis would be worth a yearly salary of over $100,000!If mom went back into the workforce, many of these jobs would need to be done b

The Secrets Behind Bank Repossessed Real Estates
Last year 2005's round for banks repossessing real estate had turned down slowly. But banks started to regain their activity in repossessing real estates in the year 2006. In fact, a lender further said that this year may be another successful turn for real estate investors.You must hire a professional real state agent or broker if you are planning to buy a bank repossessed real estate. However, do not loose hope if you are hearing bad rumors from the other agents about these bank repossessed real estates. They may tell you that it is not that easy and practical to invest on these types of real estates. Mind you, there are many brokers or real estate agents. Don't limit yourself to one agent.One of the more difficult tasks to deal with when starting a home-based business is to decide how to establish your pathways of communication in such a way that you appear organized and professional, yet don’t have to break the bank to get started.

I have found three methods of communication that I use on a regular basis: e-mail, telephone, and fax. These could probably be considered ‘the basics’ for most businesses, large or small, and these are the ones we’ll discuss.

As a side note, with technology, of course, there are many variations on these tools. For example, you can now use a cell phone with a built-in camera to take a picture and instantly send it to a friend or business contact. This is pretty spiffy indeed, but this really falls into the category of e-mail or telephone communications, depending how you want to look at it. This probably isn’t going to be a main communication method for most businesses, unless you’re an interior designer or an artist and in need of constant visual communications with your clients.

E-mail – I’m assuming you already have an e-mail account or know how to get one. Many people have what are known as free e-mail accounts such as Yahoo (http://mail.yahoo.com) or Hotmail (http://www.msn.com, click Hotmail). While these are easy and free, they don’t portray much of a professional image. Instead, you should take the name of your business, for example Home Income Digest, and purchase what is known as its ‘domain name’. In this example, the domain name would be ‘homeincomedigest.com’. Now you have the ability to correspond using djames@homeincomedigest.com, info@homeincomedigest.com, or whatever name(s) you prefer. This is usually coordinated with the web hosting company that hosts your domain name. There are many topics to discuss with e-mail, but let me hit another one very quickly: autoresponders

An autoresponder automatically responds to a person who has just sent you an e-mail by sending a message that you have previously composed back to them. Sounds great, but many people take this as a sign that y

nesses, large or small, and these are the ones we’ll discuss.

As a side note, with technology, of course, there are many variations on these tools. For example, you can now use a cell phone with a built-in camera to take a picture and instantly send it to a friend or business contact. This is pretty spiffy indeed, but this really falls into the category of e-mail or telephone communications, depending how you want to look at it. This probably isn’t going to be a main communication method for most businesses, unless you’re an interior designer or an artist and in need of constant visual communications with your clients.

E-mail – I’m assuming you already have an e-mail account or know how to get one. Many people have what are known as free e-mail accounts such as Yahoo (http://mail.yahoo.com) or Hotmail (http://www.msn.com, click Hotmail). While these are easy and free, they don’t portray much of a professional image. Instead, you should take the name of your business, for example Home Income Digest, and purchase what is known as its ‘domain name’. In this example, the domain name would be ‘homeincomedigest.com’. Now you have the ability to correspond using djames@homeincomedigest.com, info@homeincomedigest.com, or whatever name(s) you prefer. This is usually coordinated with the web hosting company that hosts your domain name. There are many topics to discuss with e-mail, but let me hit another one very quickly: autoresponders

An autoresponder automatically responds to a person who has just sent you an e-mail by sending a message that you have previously composed back to them. Sounds great, but many people take this as a sign that

want to look at it. This probably isn’t going to be a main communication method for most businesses, unless you’re an interior designer or an artist and in need of constant visual communications with your clients.

E-mail – I’m assuming you already have an e-mail account or know how to get one. Many people have what are known as free e-mail accounts such as Yahoo (http://mail.yahoo.com) or Hotmail (http://www.msn.com, click Hotmail). While these are easy and free, they don’t portray much of a professional image. Instead, you should take the name of your business, for example Home Income Digest, and purchase what is known as its ‘domain name’. In this example, the domain name would be ‘homeincomedigest.com’. Now you have the ability to correspond using djames@homeincomedigest.com, info@homeincomedigest.com, or whatever name(s) you prefer. This is usually coordinated with the web hosting company that hosts your domain name. There are many topics to discuss with e-mail, but let me hit another one very quickly: autoresponders

An autoresponder automatically responds to a person who has just sent you an e-mail by sending a message that you have previously composed back to them. Sounds great, but many people take this as a sign that

sn.com, click Hotmail). While these are easy and free, they don’t portray much of a professional image. Instead, you should take the name of your business, for example Home Income Digest, and purchase what is known as its ‘domain name’. In this example, the domain name would be ‘homeincomedigest.com’. Now you have the ability to correspond using djames@homeincomedigest.com, info@homeincomedigest.com, or whatever name(s) you prefer. This is usually coordinated with the web hosting company that hosts your domain name. There are many topics to discuss with e-mail, but let me hit another one very quickly: autoresponders

An autoresponder automatically responds to a person who has just sent you an e-mail by sending a message that you have previously composed back to them. Sounds great, but many people take this as a sign that

e(s) you prefer. This is usually coordinated with the web hosting company that hosts your domain name. There are many topics to discuss with e-mail, but let me hit another one very quickly: autoresponders

An autoresponder automatically responds to a person who has just sent you an e-mail by sending a message that you have previously composed back to them. Sounds great, but many people take this as a sign that you really aren’t serious about your business or are trying to automate everything to the point that you don’t have to do any work. Others say autoreponders show you ARE serious and want your customers to know you’ll be in touch as soon as you can. I think you see the dilemma here. My advice is don’t use autoresponders if you can generally get back with people promptly (within a few hours, or one business day at the most). However, there are situations where autoresponders are perfect, for example sending receipts, since most people don’t expect personal interaction for this type of correspondence.

Telephone – In most cases, you really should get a second phone line. The problem with using your personal phone line is that there is no greeting you can give that will sound correct for all situations. Sure, your friends will get used to you saying, “Hello, this is Jenni’s Interior Designs” but it’s pretty cheesy. Caller I.D. may help, but still. Also, there is really is no appropriate way to compose a voice mail greeting. You could get voice mail with multiple mailboxes, but recording a greeting of “Hello this is Jenni. For Jenni’s Interior Designs press one, to leave a personal message for Jenni press two” doesn’t really impress either. Opt for the second phone line, and make sure you use it strictly for business. Also, try to keep the phone in a quiet room or where you can shut the door if necessary.

One great tip is to record a new phone message each day with the date included. For example, “Hello, today is September 17th, this is Dave with Home Income Digest. I’ll be out of the office from 10:00 a.m. to 12:00 p.m. today, please leave a