If you have been following the news for the past few days as I have, you probably are asking the very same questions as many small business owners do; what about us?  I watched the news last night and it was becoming clear that the Fed has no plans for the small business owner, we are on our own.
A couple of weeks ago I met with a representative of the small business development corp. to see if they knew of any programs coming up for small businesses, I was told that they knew of nothing and were waiting to see what the Fed would do in the future.  I kept thinking that any day now I would hear something positive coming form the Fed, but nothing so far.
Yes, I would say we are on our own.

It is easy to become sad or even depressed during the holidays.  The additional stress on your time, money and energy can be overwhelming.  Of course if you experience full blown depression you should seek the advice of a professional to help you cope, but if you find yourself with the blues the following may help you get through the season in fine spirit! You may feel sad when thinking of loved ones who are no longer with you, or the added stress of too much time with loved ones can weigh on your nerves.  Keep reminding yourself that the holidays only last for a few weeks and life will return to normal soon. 
Try not to over indulge during the season of “overload”.  Too much of anything will throw your physical and mental state off kilter.  This includes eating too many rich foods, too many sweets or drinking too much alcohol.

Most people that are successful internet entrepreneurs know the golden rule of Internet Sales.

Sell what people are already buying! Often and in quantity!
Over the past several months we have explored many multilevel marketing companies that can work great as home based businesses for additional monthly income.  Most of the companies we report on allow the distributor many different ways to earn this income including home parties, retailing, recruiting and wholesaling.  Being a networker myself and believing whole-heartedly in the system and the success it can provide to any individual who applies him or herself, there are still issues to consider when selecting a MLM company to be in business with.  Remember that without the best MLM opportunity that has all the proper components in place, your chances for success are slim.

If you have ever been through a natural disaster such as a hurricane, a tornado or a bad Noreaster Winter storm that ravaged your home and garden, you know the hassle of claiming losses with your insurance company. After all who keeps receipts of pricy items or collectibles? How to prove that everything you claim is really in your possesion, and how to remember every single piece? If you have pictures of your home's interior they probably got lost in the fire or flood, and if not, they were taking 5 years earlier before you bought that expensive Grandfather clock in Switzerland. Many people in coastal areas, where I live, keep their insurance active and up to date, but forget to qualify the new purchases, remodeling, or the expensive re-landscaping project they just finished. Especially when there is some real money involved in insuring their possessions, they don't mind spending $250 annually for a video disc showing all their possessions in detail.