While looking for affordable web hosting for your small business you need to keep the following things in min
Advertising: Just about all free web hosts will impose advertising on your site. The host does this to recover the costs of running the hardware and providing the bandwidth for your site.
Web Space: Most free small business web hosting has very limited space. You will be lucky if you find a free host that offers more than 20MB of disk space. This isn’t such a bad thing as most sites are under 5MB in size. A 5MB site can be up to 200 pages of html code but beware, if you site contains heavy graphics, music or video this limited free space will run out very quickly.
FTP: Some small business web hosts do not provide FTP access. FTP stands for File Transmission Protocol and allows you to transfer large files via a server. This isn’t a big deal if you don’t do a lot of file transfers but if you plan on sending and receiving lots of images or video files this is something you need to be aware of.
Stability and Reliability: This is an important factor to look at. Unless you don’t mind you site going down or off-line all the time you need to find out what the free small business web host provider “down time” is. If it is anything more than 99% I do not recommend using this provider.
Bandwidth: To have enough bandwidth to run a small business website you need about 1-3GB of monthly bandwidth. Anything less than 1GB and the most you will be running on it will be a personal webpage or one for the local church.
Perhaps you are wondering why you need to have insurance. After all, you may be young and healthy, so why pay the money for an insurance policy? The answer to this question varies depending on the type of insurance your considering, but as a whole insurance is an important part of your financial plan.
First, some types of insurance are required by law or by lenders. If you have a mortgage, for instance, your lender will require you to have homeowners insurance. Lenders and state laws require auto coverage as well. For this reason, you really do not have a choice about purchasing auto insurance.
Insurance protects you from the things that you cannot anticipate. Accidents, natural disasters, or unexpected illnesses can strike without warning. The medical bills, repair bills, and other expenses caused by these events could wipe out your finances completely. Consider, for instance, if your home were to catch on fire. If you did not have insurance, you would have to pay for all of the repairs and replace all of your belongings out of your own pocket. Chances are you do not have this type of money.
Health insurance is one of the most common types of insurance to ignore, particularly for those who are in good health. Health insurance is expensive, but if you end up with cancer or some other devastating illness, you will not be able to afford the necessary treatment without health insurance. Cancer treatment, for instance, can cost millions of dollars. Without insurance, you would not be able to get access to the treatment that could potentially save your life.
Life insurance is another product you may not want to purchase. However, if you die without it, those you leave behind will have to pay thousands of dollars for your funeral expenses. You can purchase a small policy for an affordable price and be able to protect your loved ones after your death. As you can see, insurance is important for a variety of reasons, and living without it is a dangerous gamble that you should not make.
If you have a business to run, you might need some business credit in order to keep your business running. Having the needed credit as a business is important for some purchasing needs. It is also a good way to track purchases for accounting purposes. Although a business should have enough capital to start a business, unexpected emergencies can arise. If you need credit or credit cards, look for lenders or credit card companies that offer business loans or credit cards for businesses. Take into consideration how the money will be used. This will help you determine what interest rate you need.
Business credit can be used to make monthly purchases and then pay them at one time every month instead of paying every time you need something. For instance, a tavern business might use a credit card to buy liquor, beer and other supplies every month and apply the charges to a credit card. The following month when you receive the bill, you would take the monies made the following month to pay the credit card bill.
Many businesses work with small business credit cards and loans. It is important that you review the interest rates and payment details before using any card. If you need a small business line of credit from a bank, you will see a lower interest than you would with a credit card. The lender and your monthly income will determine the amount of the line of credit. You can use business credit for any purchase, but it is important to remember, credit cards are sometimes easy to use for things you really do not need. You should use the business credit card for necessary purchases to keep the business in operation and not for anything items that you cannot claim as a business expense.