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Wouldn’t you want to wake up when ever you want, spend more time with your children, hang out at home or go to the mall when ever you want? Wouldn’t you want to sleep in as much as you want or take a vacation if you want? Would you like to have more control over your life? Would you like to dictate when and how to work? If you answered yes to these questions, the solution is starting an online business. When you start an online business, you get a lot of business and flexibility and freedom. You pretty much own your time. You don’t have to worry about clocking in somewhere, working 9 to 5 or whatever the regular schedule is. You can pretty much do what you want. You can go offsite, hang out at Starbucks while working or work while enjoying the sun at the beach. The good news is that online business owners have done this ahead of you and they are doing it now. There is nothing stopping you from joining you. If you are still not convinced, here are the top 3 reasons why you should start an online business.1. Future-proof
It is easier to future-proof your online business than an offline one. With an offline business, your costs are fixed. Office rents, insurance and employee costs are fixed. The problem is when businesses go through up and down cycles, you might get crushed. In other words, you didn’t contingency-proof your business. With an online business, you have a lot more of flexibility with your costs so you can take more shocks. More importantly, you can adapt to these changes. So your business survives through the challenges.2. Your personal life
You can devote more time to your passions when you don’t have to stick to a schedule or report to a particular office. You can learn a new skill, go back to school, spend more time with your children, put in more time with your church or anything that is important to you when you have an online business. Your online business makes money while you are sleeping.3. Scalability and flexibility
Some online businesses are more scalable and flexible than others. Some allow you to work only once but make money many times over based on that one time you worked. For example, if you sell online books, you only worked once to write, but you make money many times over when people buy it. Do you see where I am going with this? So you have to figure out a way if you want greatest freedom and flexibility to scale up your business in such a way that you don’t have to work again to produce that income. There are many business models online that meet this need.

Women today are busier than ever before. Their stress is exacerbated by today’s fast paced, pre-packaged, convenience based society and the toxins that come from antibiotics and household cleaners. Iron-deficiency anemia is very common in young women.While women’s role in the food chain is essential to produce that all-important resource, food, it paradoxically does not guarantee women even minimum levels of nutrition. Women are often responsible for producing and preparing food for the household, so their knowledge – or lack thereof – about nutritions effect on the entire family. Women with adequate stores of iron and other micronutrients are less likely to suffer fatal infections and are more likely to survive bleeding during and after childbirth. Women in developing countries are also regularly deficient in vitamin A, iodine, and energy. Women of child-bearing age are recommended to take folic acid supplements and consume a folic-rich diet. Women are also at higher risk for developing osteoporosis and need more calcium and vitamin D to prevent it. Studies showed that women with vitamin D insufficiency absorb less than 10 percent of available calcium.However, even among the poor, different groups of women are affected differently by macro development policies, such as the commercialization of agriculture or family planning. The conflict between women’s (economic) earning role and (biological and social) mothering role results to some degree in a squeeze on child care, with consequences for child health and nutrition. While women will be mothers too, motherhood is just one part of the inexorable life cycle. We need programs to increase women’s awareness, self-confidence, and motivation to act. Men must be educated about the cost to society of neglecting women and the need for affirmative action for women, which arises both from the fact of their greater work burden and their unique reproductive roles. The issue of women’s nutrition status and roles is crucial to the proposal for nutrition as a basic right for all in the 1990s, in which human development goals are paramount over economic goals. Programming for women’s health must extend beyond their role as mothers to encompass their non-reproductive and work-related energy and health needs.The nutrition tips for women broadcast on the news often imply that nutrition may magically cure all kinds of diseases. The role of nutrition is to feed our bodies. 1 nutrition tip for women is to regularly include iron-rich foods such as meat, shellfish, beans and enriched cereals in your diet. The effects of high levels of protein-energy malnutrition and anemia among women. Low birth weight is a result of poor nutrition and can jepardize the health of the new generation. The ultimate constraint of time affects the extent to which women can acquire nutritional goods and services and allocate them to improving their own well-being or that of their families. The best way to give your body the balanced nutrition it needs is by eating a variety of nutrient-packed foods every day. In some respects, men and women have different nutritional needs, largely due to differences in male and female hormones.”If you look at the current federal dietary guidelines for kids, there is no difference in nutritional needs for males and females until age 9,” says Elaine Turner, PhD, RD, associate professor in the department of Food Science and Human Nutrition at the University of Florida in Gainesville. Pregnancy drives the role of women and nutrition. If you need fewer calories, the calories you take in need to pack a lot of nutritional punch. One way that traditionally-minded woman can continue to keep their strength and health within the cycles of the creation,is through the use of berry plants. Berry plants ,with great nutritional value are not a stand alone, but as a supplement.Anemia is the most common form of malnutrition, afflicting an estimated 47 percent of women worldwide, and anemia in pregnancy is one of the leading causes of maternal death. For maximum effect, improving women’s nutrition should begin long before pregnancy. Improving nutrition by maintaining a healthy diet before and during pregnancy and also during lactation can help to ensure adequate gestational weight gain, prevent weight loss during lactation, help strengthen the immune system, and delay HIV disease progression. Good nutrition is important for all pregnant and lactating women irrespective of their HIV status. Ignorance about the symptoms of malnutrition, such as the lethargy and depression caused by iron deficiency, may be dismissed as “normal” or unimportant, further exacerbating the problem. Addressing women’s malnutrition has a range of positive effects because healthy women can fulfill their multiple roles – generating income, ensuring their families’ nutrition, and having healthy children – more effectively and thereby help advance countries’ socioeconomic development. Well-nourished mothers are more likely to have infants with healthy birth weights, and such children are less likely to ever suffer from malnutrition. For reasons including women’s reproductive biology, low social status, poverty, and lack of education, they suffer from nutritional imbalances. Adolescent girls are particularly vulnerable to malnutrition because they are growing faster than at any time after their first year of life.

There are several potential financing options available to cash-strapped businesses that need a healthy dose of working capital. A bank loan or line of credit is often the first option that owners think of – and for businesses that qualify, this may be the best option.

In today’s uncertain business, economic and regulatory environment, qualifying for a bank loan can be difficult – especially for start-up companies and those that have experienced any type of financial difficulty. Sometimes, owners of businesses that don’t qualify for a bank loan decide that seeking venture capital or bringing on equity investors are other viable options.

But are they really? While there are some potential benefits to bringing venture capital and so-called “angel” investors into your business, there are drawbacks as well. Unfortunately, owners sometimes don’t think about these drawbacks until the ink has dried on a contract with a venture capitalist or angel investor – and it’s too late to back out of the deal.

Different Types of Financing

One problem with bringing in equity investors to help provide a working capital boost is that working capital and equity are really two different types of financing.

Working capital – or the money that is used to pay business expenses incurred during the time lag until cash from sales (or accounts receivable) is collected – is short-term in nature, so it should be financed via a short-term financing tool. Equity, however, should generally be used to finance rapid growth, business expansion, acquisitions or the purchase of long-term assets, which are defined as assets that are repaid over more than one 12-month business cycle.

But the biggest drawback to bringing equity investors into your business is a potential loss of control. When you sell equity (or shares) in your business to venture capitalists or angels, you are giving up a percentage of ownership in your business, and you may be doing so at an inopportune time. With this dilution of ownership most often comes a loss of control over some or all of the most important business decisions that must be made.

Sometimes, owners are enticed to sell equity by the fact that there is little (if any) out-of-pocket expense. Unlike debt financing, you don’t usually pay interest with equity financing. The equity investor gains its return via the ownership stake gained in your business. But the long-term “cost” of selling equity is always much higher than the short-term cost of debt, in terms of both actual cash cost as well as soft costs like the loss of control and stewardship of your company and the potential future value of the ownership shares that are sold.

Alternative Financing Solutions

But what if your business needs working capital and you don’t qualify for a bank loan or line of credit? Alternative financing solutions are often appropriate for injecting working capital into businesses in this situation. Three of the most common types of alternative financing used by such businesses are:

1. Full-Service Factoring – Businesses sell outstanding accounts receivable on an ongoing basis to a commercial finance (or factoring) company at a discount. The factoring company then manages the receivable until it is paid. Factoring is a well-established and accepted method of temporary alternative finance that is especially well-suited for rapidly growing companies and those with customer concentrations.

2. Accounts Receivable (A/R) Financing – A/R financing is an ideal solution for companies that are not yet bankable but have a stable financial condition and a more diverse customer base. Here, the business provides details on all accounts receivable and pledges those assets as collateral. The proceeds of those receivables are sent to a lockbox while the finance company calculates a borrowing base to determine the amount the company can borrow. When the borrower needs money, it makes an advance request and the finance company advances money using a percentage of the accounts receivable.

3. Asset-Based Lending (ABL) – This is a credit facility secured by all of a company’s assets, which may include A/R, equipment and inventory. Unlike with factoring, the business continues to manage and collect its own receivables and submits collateral reports on an ongoing basis to the finance company, which will review and periodically audit the reports.

In addition to providing working capital and enabling owners to maintain business control, alternative financing may provide other benefits as well:

It’s easy to determine the exact cost of financing and obtain an increase.
Professional collateral management can be included depending on the facility type and the lender.
Real-time, online interactive reporting is often available.
It may provide the business with access to more capital.
It’s flexible – financing ebbs and flows with the business’ needs.
It’s important to note that there are some circumstances in which equity is a viable and attractive financing solution. This is especially true in cases of business expansion and acquisition and new product launches – these are capital needs that are not generally well suited to debt financing. However, equity is not usually the appropriate financing solution to solve a working capital problem or help plug a cash-flow gap.

A Precious Commodity

Remember that business equity is a precious commodity that should only be considered under the right circumstances and at the right time. When equity financing is sought, ideally this should be done at a time when the company has good growth prospects and a significant cash need for this growth. Ideally, majority ownership (and thus, absolute control) should remain with the company founder(s).

Alternative financing solutions like factoring, A/R financing and ABL can provide the working capital boost many cash-strapped businesses that don’t qualify for bank financing need – without diluting ownership and possibly giving up business control at an inopportune time for the owner. If and when these companies become bankable later, it’s often an easy transition to a traditional bank line of credit. Your banker may be able to refer you to a commercial finance company that can offer the right type of alternative financing solution for your particular situation.

Taking the time to understand all the different financing options available to your business, and the pros and cons of each, is the best way to make sure you choose the best option for your business. The use of alternative financing can help your company grow without diluting your ownership. After all, it’s your business – shouldn’t you keep as much of it as possible?