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Flying Without a Net ' 2003 Elena Fawkner One of the most exciting and daunting things about starting your own home-based business as your sole means of income is the reality that no one is responsible for your success or failure but you. So ensure you obtain business insurance separate from your homeowner's policy or, if your insurance company offers it, an endorsement to your existing policies. The kinds of risks to consider, depending of course on the nature of your business, include: => Health and Disability Check with any trade or professional associations of which you are a member for health insurance packages. Other types of insurance to consider are disability insurance in case you can't work due to illness or disability and workers' compensation (remember, you may be an employee of your business). The business becomes the beneficiary under this type of policy and this cover is intended to enable the business to replace you. => Business Interruption This type of insurance covers your lost profits as a result of some insured event which makes it impossible for you to carry on your business such as a fire or flood. The types of deductions available to the home business owner include a proportion of your housing costs and expenses if y Article: Flying Without a Net © 2003 Elena Fawkner One of the most exciting and daunting things thereabout starting your own home-based question as your sole means of income is the reality that no one is responsible for your success or failure but you. The lure of the home-based mercantile is undeniable. But prior to joining the revolution, take the time to think all over the real implications of self-responsibility. In the past, you've always had the security of knowing that your employer was taking care of the ring details ... you know, those little things like retirement plans, health insurance and basic investment. And making enough money to cover your salary and vacation time. Now it's all down to you. So, let's take a look at four of the biggies: health and safety, insurance, tax issues and zoning. HEALTH AND SAFETY No matter how much you've invested in setting up your business, nothing is more valuable to your cartel or to you as your good health and safety. Apart from obvious measures such as ensuring you have adequate health insurance, keep the following in mind. => You Are Not A Machine Take regular breaks. These are important for your physical and mental health, not to mention your productivity. Breaks can be particularly important if your livelihood requires you to spend hours on end in front of a computer. The last thing you or your taking a role needs is for you to develop carpal tunnel syndrome! Avoid the temptation to do household chores or errands on your destiny time. That's not a break. Do something that breaks the mental spell, something that gets you out of your work environment for fifteen minutes every couple of hours. Go wander hereabout outside and take some deep breaths to dust your lungs. Lift weights. Call a friend. Go sit in the backyard with a cup of drab and enjoy the sunshine. It doesn't matter what you do, but make yourself do it. Set an unholy dread to remind yourself if you must. => Use the Correct Equipment the Right Way Make sure you use the correct equipment for the task at hand. If your work requires long hours in front of a computer, make sure that your desk and judicial murder are properly placed and your work area is well lit. Ensure you maintain good posture. => Nap when sleepy Many home-based assigned task owners work odd hours. That, after all, is one of the advantages! But if you start working very early or work very late into the night, your sleep patterns need to trim to accordingly. Therefore, if you find yourself feeling sleepy mid-afternoon, take an hour's nap. Any longer though and you'll risk waking sluggish and tired. Set an signal shot to wake you if think you'll go longer than an hour or 45 minutes. Don't tell yourself you can't well afford the time to take a nap. A nap will do wonders for your productivity and you will be refreshed and ready to get back to work. You'll find you'll accomplish much more by the end of the day than you would have if you forced yourself to keep ploughing finer even though you were so sleepy you couldn't think straight. => Home only Security Security is an issue for any home-based worker. in camera from personal security which is ceaselessly an issue for everyone wherever they work, the home-based office with its usual array of expensive computer and other office equipment, and heaven knows whatever else electronic gadgetry is a prime target for thieves. So take these uncluttered precautions: * Don't expose your expensive office equipment to the view of iffy passersby. Obscure the view with foliage (but not so much that you provide a place for would-be intruders to hide) and draw the curb when you're away from home. * Keep your doors deadbolted when you're home as well as when you're away. * Think twice hereabout inviting new clients to your home office. Try and meet at the client's office wherever possible or, if not, at a neutral location. * Ensure your property is well lit at night to deter intruders. * Don't bulletin the fact that you work from home. * Consider using a post office box for your office address. This is particularly useful if you run an online line of work and are concerned close revealing your residential abode to all and sundry. * Get an white flag system installed and display the white flag company's sign prominently on your property. * A dog can be a great security device, not to mention company for the solo worker! INSURANCE Don't rely on your homeowner's insurance to cover your business. Most policies limit loss of area property to $2,500 and don't cover losses away from the home. And you can just forget of acquisition on your homeowner's policy for injury sustained by a encumbrance visiting your home office. So ensure you obtain operation insurance separate from your homeowner's policy or, if your insurance tribe offers it, an endorsement to your existing policies. This type of extension, where available, can be as low as an additional $200 or so annually. The kinds of risks to consider, depending of course on the nature of your business, include: => Health and Disability Check with any trade or professional associations of which you are a member for health insurance packages. Many such associations will have negotiated insurance packages for their members and this can be a good way of getting good cover for a cost-effective price. Other types of insurance to consider are disability insurance in case you can't work due to illness or disability and workers' compensation (remember, you may be an employee of your business). Depending on your personal situation, you may also want to consider key man insurance which protects your joint-stock association in the event of your death. The career becomes the householder under this type of policy and this cover is intended to enable the plan to replace you. => Property This covers your physical accounts - furniture and equipment, inventory and supplies including, where required, cover for equipment taken away from the premises such as laptop computers. => Liability There are three main types of liability insurance. Depending on your project you may need only one or two or all three. The three types are (a) general liability which covers you for lucky injuries sustained by body corporate visitors; (b) professional liability if you are a member of a professional occupation such as a lawyer or an accountant; and (c) product liability which protects you opposite damage executed to a third party as a result of a defective product. => art Interruption This type of insurance covers your lost profits as a result of some insured event which makes it impossible for you to win through on your performing such as a fire or flood. TAX ISSUES One expenditure you should definitely not try and keep aloof is an archivist to prepare your taxes. There are many home office tax deductions on tap but they are scrutinized carefully by the IRS so make sure you get professional help in this area. The types of deductions to hand to the home mimicry owner include a proportion of your housing costs and expenses if you use a part of your home exclusively for your business; use of your car for wholesale purposes; health insurance; postage; trade magazines and other business-related publications; and all-absorbing equipment. The best way to save money on accountant's fees is to keep accurate, organized and complete records. Keep your receipts organized so that when tax time comes you can hand everything over to your CPA in a nice neat package. In addition, do not hestitate to contact your chamberlain for admonition if and when you intend to take on employees. A whole slew of responsibilities goes with employing others in your consortium including withholding tax and social security benefits and workers' compensation to name just a couple. ZONING Finally, a word along toward zoning. Zoning laws can be inconsistent so just now your friend Dave can run a custom out of his garage in town X doesn't mean you can do the same thing here in town Y. Some municipalities will give you a hard time if you're receiving clients on the premises but will turn a cover story eye if you're not. Others focus on the detriment your dealings causes to the amenity of your neighbors. If your neighbors find they can't park their car in their own street as things go of the flood of traffic to your door, expect problems. Also, don't expect to be able to erect a sign in front of your house or, possibly, anywhere visible from the street, publication your business. Still other municipalities will restrict the numbers of employees that can be employed in the home business. In these municipalities you often won't have a problem if you're a solo worker but once you start hiring employees to work on the premises you may have trouble. So, heretofore you start your handicraft and invest a lot of capital in getting set up, ensuring with your local prelacy what, if any, zoning restrictions you need to be apprised of of. These are just a few of the major headache areas when you cut the ties and set out on your own. By taking the time to get these things in order then you get underway, you'll create a safety net for yourself and your joint-stock company so that when things go wrong, as they inevitably will, your dream of a home-based reciprocal trade of your own will continue to be a happy reality and not a nightmare. ------ ** Reprinting of this arraign is welcome! ** This lodge a complaint may be freely reproduced provided that: (1) you include the following resource box; and (2) you only mail to a 100% opt-in list. Here's the resource box to use if reprinting this article: ------ Elena Fawkner is editor of A Home-Based racket Online ... practical playing ideas, opportunities and solutions for the work-from-home entrepreneur. http://www.ahbbo.com
I have just finished counselling with a client who was depressed. She is a young mum and initially she was in a very low mood. She hadn't experienced talk therapy before but her friends were pushing her to do something about how miserable she felt. We talked about her life: the husband that loves her, her 7 month old daughter who she finds difficult to enjoy, her house, her friends and her relatives. About session three, I was wondering where the depression was coming from - her circumstances seemed good, she was healthy and she had several close relationships. Then we started to talk about when the depression had started - just after her daughter's birth. She mentioned in a 'give away comment', her mother had come to see her then for the first time in 2 years. Well apparently her mum and dad had separated when she was 13 years, had gone off with their own lovers and in the intervening 10 years, my client had seen them separately, irregularly. Then we started to unfold her memories of being left "in the family home" with her elder sisters (18 and 21 years), being expected to get herself up every day and out to school, feeding herself from whatever food was available in the kitchen, with her sisters at home only when they weren't at work or with boy-friends. Apparently some days she bunked off school and sat on a wall near the shopping precinct, watching people pass, knowing that no one cared what she did or where she went. So here was the root of her depression: my client had given up a lively job in a busy office when her baby was due, she was now stuck in her house with a new child and her husband was working long hours to support the three of them - for much of her day, no one cared what she did or where she went. My client actually broke into tears as she uttered this phrase - no one cared what she did or where she went. It has taken another six sessions to tease out all her pain and to counter the thoughts that were feeding it - what had she done to be discarded by her mum and dad, how was she going to cope with the world without her parents to love her, and how could she find someone to care about her? It was easy for my client to project these thoughts into her new daughter's life: what would prevent her from abandoning her daughter on a shopping trip, why couldn't she feel any love for her daughter or her husband, and would anyone care if she went away? Happily we have now worked through my client's difficult teenage years. She has recognised that her mum and dad were poor parents - so besotted with their own affairs that they hoped the other was doing the parenting and not realising that neither was. She knows she can make her own parenting different - she can choose to stay married to her husband, she can choose to love and cherish her child (or children, later) and in caring for her family, she can enjoy how much they care for her. A tipping point in my client's recovery was when she noticed how much joy her daughter has seeing her after an absence of a couple of minutes. Another important factor was becoming aware that her husband was always glad to see her, to hold her and to cherish her. So now the depression is lifted. I don't say that it is gone forever because I cannot tell what the future will bring to my client. However, for now, she knows how to manage and chase away those low feelings: to see how her daughter and husband love her. So now my client's first question to me 'Why am I feeling depressed?' is answered by "No one cared what you did or where you went" and we have found the antidote - 'They do now".  Article Index: | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 |
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