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Small-Business Grants for Women: 10 Go-To Spots #online #business #classes

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Small-Business Grants for Women: 10 Go-To Spots

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If you’re starting a business and need outside financing, it’s natural to be wary of small-business loans. Why take on debt if you can get a grant that you won’t have to repay?

But small-business grants for women — or men, for that matter — can be hard to come by. “There’s not a pot of free money,” says Michelle Somes-Booher, a business consultant at the Small Business Development Center in Madison, Wisconsin.

If you need business financing, two more likely options are business credit cards and small-business loans for women. The competition is fierce for small-business grants, and it takes a lot of time and effort to find them and complete the applications. However, if you’re up for the challenge, the payoff can be worth it. Here are 10 places women entrepreneurs can look for small-business grants.

Federal small-business grants for women

The federal government offers some grants for small-business owners, but they’re designated for very specific purposes, such as certain research and development projects or for businesses in rural areas. Government grants can’t be used to cover startup costs or day-to-day expenses, and most aren’t earmarked specifically for women.

Grants.gov is a database of all federally sponsored grants. You can search for small-business grants here — just make sure you filter the results on the left side of the page to view grants specifically for small businesses.

2. InnovateHER Challenge

The U.S. Small Business Administration hosts an annual competition for businesses with a marketable product or service that positively affects women s lives. To participate, you must first enter and win a local InnovateHER Challenge to advance to the national semifinal round. The top three national finalists will win $40,000, $20,000 and $10,000, respectively.

3. Small Business Innovation Research and Small Business Technology Transfer programs

The SBA facilitates these two competitive programs, which ultimately provide grants to small businesses that contribute to federal research and development. Eleven federal agencies, including the departments of Agriculture, Defense, and Health and Human Services, post grant opportunities on their websites. You can search all grant opportunities on the SBIR website.

State and local small-business grants

Because federal small-business grants are limited in number and often very competitive, you may have better luck looking for grants at the state and municipal levels. You’ll have to do your own research to pinpoint specific grant programs in your area, but here are some places to look:

4. Women’s Business Centers

The SBA sponsors about 100 Women’s Business Centers nationwide, designed to help women entrepreneurs with business development and access to capital. Some, such as the California Capital Financial Development Corp. lend money directly, while others simply help you find small-business grants and loans that you may qualify for.

5. Economic development agencies

Every state and many cities have economic development agencies focused on promoting a strong local economy. Even if the agency itself doesn’t offer a small-business grant, it will likely be able to point you in the right direction.

6. Small Business Development Centers

There are hundreds of these SBA-sponsored centers around the country, typically housed at colleges and universities. SBDCs offer free, one-on-one business consulting. Set up a meeting with your local SBDC advisor, who will be able to tell you about grants and other business financing opportunities in your area.

Private small-business grants for women

Some private organizations and businesses have created national grant programs for women small-business owners. Here are two to look into:

The Amber Grant Foundation awards $500 to a different women-owned business every month. At the end of each year, one of the 12 grant winners is awarded an additional $2,000. The application is relatively simple: Explain what your business is, describe what you’d do with the grant money and pay a $7 application fee. The foundation’s advisory board chooses the winners, looking for women with passion and a good story.

8. Eileen Fisher Women-Owned Business Grant

Eileen Fisher, a women’s clothing retailer, awards $100,000 to up to 10 women business owners each year. To be eligible, women must make up at least 51% of your business s ownership and leadership, your business must have been in operation for at least three years, it must not exceed $1 million in annual revenue, and it must be focused on environmental or social change.

Two other good possibilities for grants

These options aren’t specifically for women, but they’re good small-business grants to consider:

9. FedEx Small Business Grant

FedEx awards up to $25,000 apiece to 10 small businesses annually. The application requires an explanation of your business, how you’d use the money, photos of your business and — this part is optional — a short video explaining your business. You don’t need a FedEx account to apply.

10. Mission Main Street Grants

Chase Bank gives $150,000 to 20 small businesses each year through its Mission Main Street Grants program. To be eligible, you must have been in business at least two years and have fewer than 100 employees, and the application includes answering five essay questions.

Find and compare small-business loans

NerdWallet has come up with a list of the best small-business loans to meet your needs and goals. We gauged lender trustworthiness, market scope and user experience, among other factors, and arranged them by categories that include your revenue and how long you’ve been in business.

To get more information about funding options and compare them for your small business, visit NerdWallet ssmall-business loanspage. For free, personalized answers to questions about financing your business, visit theSmall Businesssection of NerdWallet’s Ask an Advisor page.

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Texas Women In Business – Ordinary women doing extraordinary things #real #estate #business

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Ordinary women

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Fri Sep 16 2016, 10:00am CDT – 2:00pm CDT

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Ordinary Women Doing Extraordinary Things

Welcome to Texas Women in Business! We are a membership-driven non-profit that is focused on empowering Texas Women in Business to achieve their personal and professional goals through education, development, mentoring, networking, service, and leadership.

We are committed to providing an outlet for giving back to the community on a local, state, and global basis. Learn more!

Upcoming Events:

6th Annual Birthday Bash and Extra ordinary Women s Awards on 9.16.16!

Extraordinary Women Award Finalist Announced!

TWIB is celebrating six years of philanthropy, programming, volunteerism and networking in 2016. To honor our birthday, we are announcing a call for nominations for the 3rd Annual TWIB Awards. The Awards are in line with TWIB’s vision and values focusing on “Ordinary Women Doing Extraordinary Things” to contribute to others. The awards will be open to any woman in the Austin area, not just TWIB members. Award Winners will receive a TWIB membership as well as a beautiful TWIB award.

Thank You to Our Premium Members!





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Women Business Owners – Women Small Business Loan – Wells Fargo Small Business #business #catalyst

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Women Business Owners

Commitment
Wells Fargo celebrates the strength, vision and innovation of women business owners. Through our financial solutions, outreach efforts and educational resources, we help sustain the success of women-owned businesses; and we are honored to support their role in shaping the future of small business.

As America’s #1 small business lender 1. Wells Fargo is dedicated to helping you succeed financially — in business and personally. We stand ready to help you grow your business, achieve your vision and safeguard your financial success.

Financial Solutions

With expert guidance from our local bankers who will get to know your goals and needs, Wells Fargo will help your business grow and prosper.

Wells Fargo Works for Small Business

Discover our comprehensive resource library, offering guidance and information and information to help you start, run and grow your business at wellsfargoworks.com .

Diversity at Wells Fargo is a business imperative. Aligning with our customer base, engaging our communities, and attracting and retaining talented individuals are critical to our success. To integrate supplier diversity into all aspects of our business we focus on three areas: education and awareness, partnership development and measurement and accountability.

1 Based on 2010 Community Reinvestment Act government data.

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5 Flexible Home-Based Business Ideas for Women #business #intelligence #tools

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5 Flexible Home-Based Business Ideas for Women

Many years ago when I started brainstorming work at home business ideas, many occupations came to mind, event planner. professional organizer, doula. and personal concierge. But when I asked myself, “How do I want my life to look?” it didn’t include running all around town or working on holidays or weekends.

When I sat down and mapped out my dream work at home job, it involved working from inside my home with a schedule that was super flexible; meaning I could work any hours from anywhere in the world. While there are a lot of work at home business opportunities out there many of them do require you to work standardized hours.

So if you’re looking for a truly flexible business to start, here are 5 ideas to get you started.

1) Blogger Do You Want to Be an Online Publisher?

Obviously, I’m a huge advocate for starting your own blog. But let me tell you why blogging is such a great business to start.

  • It builds a business platform for other opportunities like freelance writing, coaching, speaking, marketing, or selling products.
  • Showcases your expertise.
  • Introduces you to people and opportunities you would not have been privileged to before.
  • It takes very little money to start and run.
  • You can blog about ANYTHING!

When you’re a blogger you’ll be doing many different tasks at once. You’ll be researching, writing, editing, and taking photos for blog posts, so that you can publish awesome content. You’ll be dealing with tech issues, like adding new plugins, modifying your side bar, or trying to figure out why your site is running slow. You’ll be distributing your articles on social media channels like Facebook, Twitter, and Pinterest. You’ll be interacting with readers through blog comments, social media platforms, and email. And don’t forget about providing customer service and support to your advertisers and sponsors. While it takes time to make money from blogging. it truly is one of the most flexible careers you can have, and you get to write about what you love!

Bloggers make their money in a multitude of ways from: direct ad sales. affiliate marketing. working with ad networks, corporate sponsorships, brand ambassadorships, sponsored blog posts, holiday gift guides, coaching, selling products, informational programs, e-books and webinars. How much you earn as a blogger will depend greatly on your determination, mindset, and niche.

Mandy Rose from House of Rose Blog has been blogging since 2008 and currently makes over $40,000+ a year. Meagan Paullin from Sunshine and Sippy Cups started blogging in 2011 and currently makes over $100K per year. Read about their blogging success here .

2) Coach Do You Enjoy Helping Others?

Being a coach means helping people better their lives through focused dialog and practice. So if you have a desire to help others, are dependable, a good listener, and non-judgmental launching a coaching business may be the perfect idea for you. What type of coach you ll become will vary greatly upon the prior experience and training that you have. While some individuals specifically go to college or get additional training to become a coach, others fall into coaching, because they have an extensive knowledge and passion for a certain subject matter. Here are just a few of the niches you can work in: Career coaching, business coaching, fitness and wellness coaching, life coaching, direct sales coaching, parenting coach, and the list goes on and on.

Coaches can make money by facilitating one-on-one coaching sessions via phone, email, or Skype, group sessions, webinars, selling e-books and informational products, speaking, book writing, selling online courses, seminars, and mastermind groups.

Traci Bild, founder of Get Your Girl Back, Sarah Dew Finks, founder of the Happy Entrepreneur, and Cynthia Occelli, founder of the Beautiful Life School are all making over $100K a year! Read about their coaching success here .

3) Freelance Writer Is Writing Your Passion?

As a freelance writer. you will research, write, and edit articles and documents for clients. Now, you may be thinking that you need an English degree to be a writer, but the truth is, anyone who enjoys writing can do it professionally. The types of projects that you take on will vary on your prior knowledge, skill set, experience, and interests. The best piece of advice for anyone who wants to be a freelance writer write every day! The more you write the better and faster you’ll get. Also make sure that you’re investing in your professional development by reading and participating in courses, webinars, and training.

Write online articles, blog posts, newsletters, magazine articles, e-books, video scripts, white papers, case studies, ghost writing, technical writing, advertising copy, resume writing, travel writing, newspaper articles, website copy, grant writing, brochures, sales materials, and training manuals.

Laura Spencer has over 24 years of writing experience, but came to the freelance world in 2002. You can read more of her story and freelancing tips here .

4) Social Media Marketer Are You a Social Butterfly?

When you’re a social media marketer you will manage companies social media channels, so you will need to know the ins and outs of the big 7: Facebook, Twitter, LinkedIn, Pinterest. YouTube, Instagram. and Google Plus. One of the best ways to land a social media gig is by having your own successful platforms and being active on them. You can also read and educate yourself on best practices which this realm is constantly changing, so you’ll need to stay on top on trends, news, and updates.

Setting up social media profiles and accounts, sending out social media updates, social media correspondence at live events, coaching, consulting, speaking, online listening strategies, writing an e-book, and selling informational products and webinars.

Christina Linnell started out as a blogger and turned her passion for social media into a full-time career. She now owns and runs Linnell Media Company, which provides social media solutions for small businesses.

5) Virtual Assistant Are You a Multitasking Maven?

When you’re a virtual assistant you help business owners with a variety of tasks, anything from answering email correspondence and making appointments, to editing, writing, bookkeeping, and social media management. What services you offer your clients will depend on your skills, background training, prior experience, and your passions. No special training is needed to become a virtual assistant, but polishing your skills and learning new ones is always a good practice. For resources and training make sure to check out VA Networking or there are many good books on this career.

Offer administrative services, editing, writing, bookkeeping, social media management, translation, marketing, technical, creative In fact, check out this huge list of services that virtual assistants can offer, it s endless!

Michelle Dale, Sherry Carnahan, and Michelle Mangen all run successful virtual assistant businesses from home in fact, they’re all making over six figures a year! Read about their virtual assistant success here .

I hope these flexible home-based business ideas got your creative juices flowing! If you re still searching for more business ideas make sure to check out these articles:





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Inspiring Women Entrepreneurs: How to Find Your Business Idea #what #is #the #stock #market

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Inspiring Women Entrepreneurs on How to Find Your Business Idea

Credit: Dragon Images/Shutterstock

Women may have once been pigeonholed into certain professions, but no longer are they simply expected to do gender-specific jobs. Female professionals are taking control of their careers in a way that works best for them, including when and how they start their own businesses.

Everyone has to start a business that s meaningful to them; I think it s an old model to tell [women] to go into a specific field, said Carin Rockind. a happiness and life purpose expert. I think that s got us to where we are today. What you re passionate about is way more important. Women need to tap into what they re good at and what makes them feel great.

American Express OPEN s 2016 State of Women-Owned Businesses Report found that 11.3 million U.S. businesses are currently owned by women, and an average of 1,072 new female-owned companies are being started every day. This number is growing five times faster than the national average for all businesses, meaning more women than ever are taking the leap into entrepreneurship. [See Related Story:Money and Connections Still Hurdles for Women Entrepreneurs]

As to what kinds of businesses a female entrepreneur should start, businesswomen agree that the sky is the limit.

I don t think there are any guidelines to the type of companies women should begin, said Cologne Trude, co-founder and creative director of Show Me Your Mumu. a boho-chic clothing line. Women s strengths are so diverse that opportunities are endless.

I think women should get excited about what excites them, added Melinda Emerson. an author and business coach known as SmallBizLady on Twitter. There aren t [enough] women-centric businesses out there.

Where to start

Emerson suggests starting a business you know something about. When you re ready to begin the business you re most passionate about, consider your limitations.

I have seen people quit really good jobs to start businesses they hate, Emerson said. There are fantasies of grandeur about running a business. It s really hard out there.

If you have no savings, no money and bad credit, you should not start a business, Emerson said. She suggests saving 20 to 40 percent per paycheck before you quit your job to begin your business.

Most important, Emerson emphasized the importance of doing your research. Make sure you know who your paying customer is.

You always have to check and make sure your business model makes sense in an industry that s growing and not sinking, Emerson said. It needs to be relevant three to five years from now. You don t want [technological advances] taking your business.

As you get your business off the ground, surround yourself with people who will help you succeed, whether it s through support or lending a hand to get the business started, said Cammy Miller, co-founder and creative director of Show Me Your Mumu.

Being a leader doesn t mean you have all of the answers and the more open you are to learning from everyone around you, the more you can grow in your role, Miller said.

One of the things that s been harder for me to learn is to bring other people with you, happiness expert Rockind added. It s very lonely to have your own business. There are so many important skills, and you can t be good at everything. ItꞋs OK to ask for help and collaborate with other people.

Love what you do

Building a business from the ground up is challenging no matter how you look at it. But, ultimately, you should love what you do.

I always encourage female entrepreneurs to be strong and work hard at what they love. Starting and running a business is by no means easy, and there are going to be a lot of hardships and emotional setbacks, Trude said. As a female, running Mumu has been very stressful and emotional at times, but every tear has been worth it and I am stronger because of it.

If Rockind had to go back in time to give herself advice, it would be to just do it.

You have to put yourself out there, she said. Believe in yourself and your purpose.

Shannon Gausepohl graduated from Rowan University in 2012 with a degree in journalism. She has worked at a newspaper and in the public relations field, and is currently a staff writer at Business News Daily. Shannon is a zealous bookworm, has her blue belt in Brazilian jiu jitsu, and loves her Blue Heeler mix, Tucker.

You May Also like

Are You Ready to Start a Business? 20 Questions to Ask Yourself

  • 14 Online Business Ideas You Can Start Tomorrow

  • 5 Workplace Confidence Killers and How to Beat Them





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  • Women in business #business #profile

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    Women in Business – Help, support and guidance for women in business, women working in businesses and women starting up or considering starting a business.

    Women In Business was the first network for women in business in the UK. We are proud of our roots and as the world of business and communications has changed to favour digital and social media so has women in business.

    There is no membership fee, we are sustained by generous sponsors and sales of training events, guest speaker opportunities, advertising, on line sales and our fans followers.

    Our typical audience includes entrepreneurs who have started and run businesses, senior women in organisations such as the government, banking, the arts and the third sector.

    In addition to our online portal, shop and events, Women In Business works to promote the business needs of women and recognises that women manage businesses differently and strives to support those needs in an accessible way.

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    Small-Business Loans for Women 2016: Your Top Options #minority #business #loans

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    Small-Business Loans for Women 2016: Your Top Options

    There are more options for small-business loans for women today than in the past. If you’re a female entrepreneur, your financing choices are no longer limited to bank loans, Small Business Administration loans or small-business grants.

    You can explore a host of online small-business lenders that have emerged since the 2008 financial crisis. Online lenders have less stringent requirements, but you still need some business track record. And you’ll pay higher borrowing costs compared with traditional banks.

    We’ve rounded up several types of small-business loans for women. We gauged lender trustworthiness, market scope and user experience, among other factors, and arranged them by categories that include your personal credit score and how long you’ve been in business.

    JUMP TO OUR RECOMMENDATIONS

    Women-owned businesses can also get help in the early stages through grants provided by government agencies and nonprofit organizations. Here are 10 places to look for small-business grants for women .

    If your personal credit score is under 600: Kabbage, OnDeck

    Your options are limited if you have shaky personal credit, typically a FICO score below 600. You can try Kabbage or OnDeck; both offer financing for women with less-than-stellar finances. You can get funded quickly — sometimes within hours — but be ready for high borrowing costs.

    If your credit score is 500 or above, go with OnDeck, where annual percentage rates range from 9% to 98%. If your credit score is under 500, Kabbage may be a good bet, although its line of credit comes with a higher APR range than an OnDeck loan, at 32% to 108%.

    These are good options for emergencies or short-term needs, but once you improve your finances, consider transitioning to lower-cost financing.

    If your business is at least 1 year old: StreetShares, Dealstruck

    Raising money for your business is hard when you’re just getting started, but you have some options with StreetShares and Dealstruck. If you’ve been in business at least a year, have at least $25,000 in annual revenue and a personal credit score of 600 or more, StreetShares is a good choice for term loans, with APRs starting at 9%. If you need to borrow more and have annual sales of at least $150,000, Dealstruck offers term loans and lines of credit of up to $500,000. Dealstruck also requires a credit score of 600 or higher. If you’re a startup with less than 12 months in business, here are some strategies for getting financing.

    Before you apply for a StreetShares loan, find out whether you meet the lender s minimum qualifications.

    • 600+ personal credit score.
    • 1+ year in business.
    • $25,000+ in annual revenue.*
    • No bankruptcies in the past three years.
    • No current tax liens or collections (unless you have proper documentation).

    You only need 6 months in business if you have $100,000+ in revenue.
    StreetShares is currently unavailable to borrowers in North Dakota or South Dakota.

    • Loan amount: $50,000 to $500,000 for term loans; up to $500,000 for inventory and asset-based lines of credit.
    • APR: 10% to 28% for term loans; 22% plus prime rate for inventory and asset-based lines of credit.
    • Loan term: Six months to four years for term loans; six months per draw for lines of credit.
    • Funding time: Average of 10 days.
    • Read our Dealstruck review .

    Before you apply for a Dealstruck loan, find out whether you meet the lender s minimum qualifications.

    • 600+ personal credit score.
    • 1+ year in business.
    • $150,000+ in annual revenue.
    • Breaking even or profitable.
    • Personal guarantee and a lien on business assets required.

    If you have an established business: SmartBiz, Funding Circle, Lending Club

    With solid finances and an established business, you may qualify for Small Business Administration loan, which typically has the lowest rates in the market. SmartBiz is a good option if you’re looking for a quicker alternative to banks offering SBA loans. An APR of 7% to 8% and the 10-year loan term also make SmartBiz an attractive option when you want to make major investments to grow your business. To qualify, you need two years in business, at least $50,000 in annual revenue and a personal credit score starting at 600 for loans of $30,000 to $150,000. For larger amounts, you’ll need a credit score of at least 675.

    If you don’t qualify for an SBA loan or need faster access to capital, Funding Circle and Lending Club are good options. Lending Club has a term loan or line of credit if you need financing of up to $300,000. If you need to borrow more, Funding Circle offers term loans of up to $500,000. Both lenders require at least two years of business history. Lending Club also requires a personal credit score of 600 or more and $150,000 in annual revenue. Funding Circle has no minimum annual revenue requirement, but you need a credit score starting at 620.

    Before you apply for a SmartBiz loan, find out whether you meet the lender s minimum qualifications.

    • 600+ personal credit score for loans $30,000 to $150,000.
    • 675+ personal credit score for loans over $150,000.
    • 2+ years in business.
    • $50,000+ in annual revenue.
    • Personal guarantee required.
    • No outstanding tax liens.
    • No bankruptcies or foreclosures in last three years.
    • No recent charge-offs or settlements.
    • Must be current on government-related loans.




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    Small Business Loans for Women #top #ten #business #ideas

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    Small Business Loans for Women

    In today’s changing economy, women are making a name for themselves as entrepreneurs, thanks to small business loans for women. However, the dream to own a business is just the beginning. Small businesses for women is a rapidly growing segment of the economy with increased competition. Being successful requires patience, dedication and hard work, but most importantly, the financial reserves to set the wheels in motion.

    According to the National Women’s Business Council (NWBC), there were 7.8 million businesses owned by women in America in 2007. Of these, about 11.7% employ full-time workers, generating average annual receipts of over $1 million. The total revenue generated by all the women-owned businesses across the country (not considering farm-based business) has increased to $1.2 trillion. Women-owned businesses make up about 52% of all the businesses in the social and healthcare assistance arena.

    Why Business Loans are Important

    Starting a business requires balancing your family and/or personal budget with a new, often larger budget for your business. Procuring a small business loan is pivotal to most businesses’ success. The Small Business Administration (SBA) helps people gather the resources necessary, and guides you through the completion of the loan application. Credit unions, banks, and other legitimate lenders back the loans.

    Applying for the Loan

    The SBA has designated different loan programs specifically for women. The Office of Women’s Business Owners (OWBO) sets out rules that are mostly the same for every loan or grant: you’ll need a good business credit report (with any of the three business reporting agencies) and a solid business plan that instills confidence in the lender. But what is life without a little risk? Some of the best companies in the world were started on shaky ground, right? True, but it’s also true that a low-risk business venture has a better chance of obtaining a coveted small business loan.

    Looking for Advice

    In order to help women, various organizations operate day and night, with the sole purpose of helping them realize their dreams and ambitions. Moreover, these organizations provide complete information regarding various loan programs, and how to apply for them:

    Any business venture requires you to be well informed about the competition, such as the number of similar ventures established, their success-to-failure ratio, and so on. The way to convince lenders who provide small business loans for women is by showing them that you possess the drive to overcome adversity. Having that fighting spirit matters.

    You just learned about: Small Business Loans for Women Help Level the Playing Field

    For more information, check out this related resource: Funding a Business





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    5 Easy Business Ideas For Women In Pakistan – Business Plus #canadian #business

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    5 Easy Business Ideas For Women In Pakistan

    Most of women consider starting a home based business for good reasons. Small businesses give handful profit on daily or monthly basis.

    Here is a list of small business ideas for women in Pakistan:

    1. Food Shop. It is basically a best indoor idea to start a business, women who are unable to do outdoor business, they can easily start with food stalls, all you need is a bulk quantity of raw materials which can be cooked and then served or delivered to desire places. Women can hire a boy who can deliver food such as in offices, shops, bakeries etc. It is the most easily accessible business to start.
    2. Sell items on social networking: Making valuable items and then selling it through social networking sites such as on facebook, twitter, OLX, Daraz etc. All you have to do is to make item such as pots, handmade dresses, printed notebooks, mobile covers, handmade cards etc. These items attract customers and you can easily sell them online, no shop is required for such business.
    1. Yoga Classes and Gym: Our society has become health conscious but there are no facilities especially for women for fitness regime so starting a fitness class in your area is a good idea for earning.
    1. Ladies salon: The most accessible and profitable business for women is a beauty salon. A small investment is needed for starting a business, it depends on you as you can rent a small room for it and do the setup in that room, buy materials that are needed in that business or you can carry all the materials with you and do door to door services which mostly women prefer.
    1. Home decor business: Women who have sense of fashion and interior decorating style, are capable of such ideas and business. You can keep a budget in your mind for starting such business. It is not necessary to decorate the whole house or apartment etc. You can also start this with a single room or drawing room just select one room or area, keep a budget in your mind and start your business.

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    Small Business Ideas for Women at Home: Working with Realities #business #economics

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    Small Business Ideas for Women at Home: Working with Realities

    Small business ideas for women at home are driven by two realities.

    The first reality is the constraint of obligations at home. Whether by the choice or duty to care for others (e.g. children), most women staying at home do not have very flexible work availability when it comes to time and location.

    This does not even necessarily mean these women need to work less hard and fewer hours; they just need to do it on their own time and at their own location, said Eva Rosenberg, owner of www.irsexams.com and www.taxmama.com .

    Most small businesses started by these women, therefore, are Internet-based, which affords them the flexibility in time and location.

    One route women at home can take is starting Web sites or blogs and monetizing the incoming Web traffic through online advertising (e.g. Google AdSense) and affiliate marketing.

    Another route is to set up Web sites to sell their own products or services.

    To get started and achieve success, Rosenberg suggested attending reputable conferences and reading helpful guides. One trusted resource for online entrepreneurs is Ken Evoy’s www.SiteSell.com. which still offers this helpful free eBook. said Rosenberg.

    The second reality is that women at home often have more to offer than some of them may think.

    Many of these women have hobbies and expertise that can translate into successful small businesses. By staying at home, they may also be extremely familiar with the needs of running a household.

    Moreover, many women find success by building on top of their husbands’ existing careers.

    Jacqueline Freeman, for example, set up www.equinenaturalmovement.com to market her husband’s horse training expertise, according to Rosenberg.

    Rosenberg started www.TaxMama.com to dispense tax advice and www.irsexams.com to teach courses on passing the Enrolled Agent (EA) IRS Exams.

    Shari Fitzpatrick. with “only a $1,500 cash advance and a passion for chocolate-dipped strawberries,” managed to build her home-based small business into a multi-million dollar empire. (Today, her brick and mortar operations have shut down but one of her online operations, which she sold to Provide Commerce, still exists).

    “They key is to follow their passions,” said Rosenberg.

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