Should You Work From Home to Make Money With the Internet?

With soaring gas prices, it’s no wonder that many American workers are dreaming about eliminating their commute and working from home. Recently, many companies have begun to allow their staff members to work from home for economic reasons.With recent advances in technology, the web, email, internet, modems, cheaper fax machines and voice mail, some people rarely go into the main office anymore. Working out of your home can be a mixed blessing though.There are certain benefits that any worker would love. If you are facing such a decision, take a look at a few pros and cons of working from your home. There is clearly a lot to consider before making this transition.Ask yourself these questions: Am I a workaholic and if so, would working at home worsen that problem? Would I feel isolated if I’m at home more than usual? Could I separate my business from my personal life if both were under the same roof?Be honest about your personality and think carefully about your work-life balance before you decide. Be realistic about potential feelings of isolation and true reasons for wanting to work from home. Make sure you are making this decision on a personal happy basis.Do you enjoy being your own boss? Do you work well without requiring constant feedback and direction? You also must be willing to stop work and not be chained to your desk 24/7 which would negatively impact your family life.Do you have good self-control and are goal-oriented? These two disciplines alone can help you make money as you desire with the Internet. And by working at home you have the freedom to fly with your own creatively.There’s extensive research that supports increased productivity among home-based employees. Also, that they are more dedicated, effective and positive towards their chosen employment.Working from home may be your idea of bliss, but those affected by your decision may not see it the same way. Be sure you have worked it out with your partner and/or your family, and that they are happy with your decision also.Your spending more time at home will affect their lives too. In most cases the effect will be positive, but you still may have family commitments and make sure that your plans do not conflict with other family members.More and more innovative companies have work-from-programs. All 1,100 of JetBlue’s reservations agents work from their homes and if that is your desire it certainly can be done.

The Secret of El Salvador – Terrific Beaches Just Minutes From a Major Airport

If airlift is the key to the second home door, then El Salvador is the best bargain on the street. It may look like a fixer upper because of the country’s history with hurricanes, earthquakes, war and poverty but its main airport – now the hub of all of Central America soon will be hosting more than 2.5 million passengers a year – is 20 minutes from the region’s Costa del Sol and some of the finest beaches on the West Coast. If there is one single amenity that drives second half traffic it is waterfront property and El Salvador has 200 miles of Pacific Ocean coastline that few North Americans have ever seen, let alone researched for a real estate purchase.

El Salvador, from the Spanish word “The Savior”, is bordered by Guatemala on the west, by Honduras at the north, by Nicaragua and the Gulf of Fonseca on the East, and by the Pacific Ocean on the South. It is the smallest country in Central America, and has the highest density of population in the region and has the second largest U.S. Embassy in the world. The distance between San Salvador and neighbor capital cities of Guatemala, Honduras and Nicaragua is about the same (4-hour drive). Approximately 70 percent of the regional commerce is concentrated in these four countries.

TACA International Airlines, owned by a Salvadorian family, operates about 65 percent of all the traffic in and out of the El Salvador International Airport also known as Comalapa International Airport. TACA, which is expanding its hub in El Salvador, provides non-stop service to San Salvador from Toronto, New York, Washington, D.C., Miami, Los Angeles and Chicago and recently purchased a string of regional carriers that will provide additional flights within Central America and the Caribbean. Delta (Atlanta), United, Continental (Houston) and American also provide direct flights to the country’s capital city.

Compared to U.S. coastal communities, homes in El Salvador are an absolute bargain. For example, Joan Rich Mantecón, a San Francisco Bay-area Realtor who specializes in international second homes (www.internationaldwellings.com), had listed for sale a five-bedroom, three-bathroom home on the beach at Playa San Diego, south of La Libertad, in May, 2007. This fully air-conditioned house had been painted inside and out in 2004, had two swimming pools and Jacuzzi, a five-room servant-renter quarters, large gazebo for hammocks, outdoor BBQ and enough room to park five cars in the backyard. This property is 20 minutes away from the airport and also 20 minutes away from Santa Tecla where there is a Costco and various malls. There’s a seafood restaurant on the beach only steps away and the home’s caretakers live across the street. Price? $325,000.

You Need Insurance Regardless of Your Business

While it might be comforting to think that insurance is something that only the big companies need to worry about. Insurance is something that all businesses need to worry about. Indeed, the smaller you are as a business, the more vulnerable you are to a wide array of risks that can only ultimately be dealt with by adequate business insurance protection.

When you run your own business, you take on obligations and responsibilities above and beyond that of the average citizen. In fact, it can be seen as somewhat of a double-edged sword. On the one hand, you probably go into business hoping to make a profit doing something you love while providing a benefit to others. On the other hand, all those others are affected by what you do — good or bad. It’s the latter that can get business owners into trouble if they don’t seriously think about serious business insurance protection.

Let’s take small business liability insurance as an example. Without this form of insurance protection, a business owner is putting themselves in unneeded and unnecessary financial risk.

Small business liability insurance is that which essentially protects a business from the threat of a lawsuit. It differs from other kids of protection many individuals might already be familiar with because it covers assets from the risk of being attacked by a claim of misconduct carried out by you or your business. If somebody decides to sue your business, not only could you be on the hook for the damages awarded, but the legal fees involved can often be staggering, even if the lawsuit is frivolous. Things like small business liability insurance, as part of a comprehensive business insurance package, are meant to deal with just such instances.

If you don’t think that your business is at risk like this, you might want to reconsider. No business is too small or irrelevant to be untouched by the risk of a lawsuit. In fact, the smaller you are, the less you’ll be able to count on your own resources to address the crisis of a legal proceeding, or the damages awarded as a result.

Perhaps for no sector of business is this reality more apparent than with small offices providing services of various sorts. While the amount of resources at your disposal is tight, the extent to which you may have an impact on the public is very considerable. And the extent to which that same public can come back and bite you can be similarly considerable, too. This goes for real estate professionals, management consultants, tax preparers, lawyers, doctors, and so on. No one is immune from the threat covered by business insurance that includes things like small business liability.

No matter how competently you think you run your business, how much emphasis you place on customer satisfaction, how well thought of you are in the business community, or the lengths to which you strive for excellence and achievement in your profession, you can be hit by a lawsuit. And, very often, you won’t even have seen it coming. Even some service provided as a sub-contractor for someone else can be seen as having done harm to someone. If that someone decides to sue, there are costs that have to be covered. Good business insurance will cover it. More specifically, good small business liability insurance will cover it.

Let’s take the management consultant industry as an example of where business insurance that includes small business liability is necessary.

The duties and responsibilities associated with the job of being a management consultant are considerable. In such a capacity, you use your expertise in the field of management to advise people professionally on a whole range of matters related to the proper running of a business. This can includes things as simple as staffing to something more sophisticated like public relations. Good management consultants provide a professional service noted for the extent to which comprehensive solutions are offered to meet challenging business environments.

This is precisely why management consultants need to be covered by good business insurance that includes small business liability insurance.

The extent to which their advice and solutions impact people can be almost limitless. In fact, if you tried to figure out who might sue you for advice you gave a client, you might never be able to do it. There will always exist people who simply perceive themselves to have been hurt by something you did. And they’ll sue you for it.

Alternatively, even the best management consultants make mistakes. Sometimes they could have legal ramifications. Other times, they could have professional ramifications. Indeed, things like errors and omissions insurance or professional liability insurance exist because professionals make mistakes. Not only do they make mistakes, but they make mistakes that violate the professional principles involved in their industry. It happens. It’s why even management consultants need good business insurance and liability protection.

Of course, whether you’re a management consultant, real estate agent, tax lawyer, or healthcare specialist, the specifics might be different, but the insurance risks are much the same. As small business owners with offices that need to be protected from the threat of financial loss, business insurance and small business liability insurance is simply a smart solution to that end. They literally help protect the small guy and gal from the swamp out there that could digest everything they’ve worked for. And that swamp could include the unwanted lawsuit.