Jane Bryant Quinn, celebrated financial best selling author and syndicated columnist, related this personal story in a recent issue of Woman's Day magazine: "When I was a young working wife and mother, every dime I earned went toward my expenses - the baby sitter, business clothes, transportation, taxes and lunches, not to mention the cooked chicken I purchased on my way home because I didn't have time to cook my own. My work efforts added nothing to our joint checking account." When you get a second job or mutually decide that the non-working spouse needs to go get a job, a number of dynamics take place. A family income of less than $39,000 falls into the 15 percent tax rate. However, any additional income would be taxed at the much higher 28 percent federal tax rate. Throw in individual state and social security taxes and, right off the top, 40 percent of your wages are eaten up by the tax machine. Let's discuss some other expenses that are incurred when another income is added: car expenses including gas, oil changes, tune-ups, and tires, child care at an average of $85.00 per week per child, lunches at work, business clothes or uniforms and upkeep, convenience foods, and more. Think about your own personal situation. What additional expenses do you foresee should you get a second job? This is where the true beauty of a home-based business comes in. In the above example, none of the job-related expenses are tax deductible - you will pay taxes on every dollar earned. However, if you instead choose to start your own home-based business, ALL of your business-related expenses become at least partially tax deductible! You are able to redirect your income to create, in essence, a home-based business that is also a tremendous tax shelter for your earnings.

This is why the home-based business is being called by many experts "the last great American tax shelter." Similar to a qualified IRA, 401K plan, or Keough, monies directed into those accounts are also tax deductible. What can that really mean for you? Well, let's use the following Sample Tax Planner seen here to explain. This is not a trick. Each example starts with the same income amount, but in the lower example, even though more money was spent/invested out of pocket, there are earnings of nearly $3,000 - and you haven't sold a thing yet! That's why so many people are going into the home to start their own business. A home-based business allows you to maximize your earnings with the blessings of the IRS. Whether you choose to believe it or not, the IRS wants you to be rich! For one great economical reason - money. The more money you can save on your taxes with legitimate tax deductions, the more money you'll have to grow your business even bigger. And the bigger you grow your business means more savings to you, but it also equates to more tax dollars for the IRS! You and the IRS create a win-win situation for everybody. Now get to it!

Every morning as people wake up and make the commute to work, many dream of the day when they will finally work for themselves. Every time the boss lets someone know that they must give up their weekend plans for the good of the company, people contemplate the benefits of being the owner of their own business.

Are you one of these people?

If you are, it is important to ask yourself some very important questions before you make the uncertain leap into self-employment.

Many dream of the benefits of home business ownership, but few take into account the sacrifices that must be made to bring the dream to fruition. Please don't make this mistake yourself.

You must approach home business ownership with your eyes wide open. Ask yourself the important questions, and more importantly, answer your own questions openly and honestly.


AN IMPORTANT CONSIDERATION

Are you the type of person who relishes every chance to gather around the water cooler for social interaction?

If so, then home business ownership may not be the right decision for you.

Instead, if you feel that you can be quite content sitting alone at your desk; speaking only to clients and really minding your own home business, then you might have what it takes to succeed as a home business entrepreneur.

If you feel at ease with your own company and don't need a dozen coworkers milling around your desk, then you, too, could savor the freedoms that will allow you and your family, to live the lifestyle you know you want and deserve.


THE KEY TO HOME BUSINESS SUCCESS

Self-motivation is the key to success when you start a home-based business. You need to possess the ability to push yourself ahead. Your drive and determination will be reinforced with every new sale.

The level of success that you will achieve greatly depends on the time and effort you are willing to plow into your new home business. Your organization, planning and marketing skills, will all be put into practice when you embark on your liberating journey from employee, to being your own boss. In fact, you will be the wearer of many hats and gain a wealth of business experience along the way, when you finally make that commitment to work at home.


YOUR SUCCESS RESTS ENTIRELY UPON YOUR OWN SHOULDERS

You will now be the boss. Are you truly able to work independently? Do you have the drive; the tenacity, to persevere with your home based business? Will you be able to invest the necessary time to nurture it, to watch it grow and see it through, from germination to full, glorious bloom? When you're the boss, you are responsible for the success of your home business, from A to Z, from disappointments to victory.

When you work at home, it will empower you to achieve many things you were unable to do when you were stuck working for that tyrant boss. Remember him? He's the guy that wouldn't let you take time off when your baby was sick...the same guy that called you in to work on Thanksgiving Day.

A home business means that you can take good care of your family and make money from home, simultaneously. You will have the best of both worlds! Just think--no more dirty laundry piling up--you can do it while you work. No more scurrying around at the last minute searching for a babysitter either. And no more worrying about getting fired; you'll be the boss!


IN CONCLUSION...

Stay positive and focused on your home based business, even if, when sales aren't up to par, you get occasional negative remarks or derogatory comments from people with stuffy, dead-end jobs. Ignore their cutting words and bear in mind that success is the best revenge! Keep your admirable, positive attitude at the forefront and show them what you're made of!

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