The days have long gone when it was only men who bought businesses; these days there are many women who own and run their businesses very successfully. But to do so, you cannot expect to buy into any business without knowing anything about it. You need to have training in small business management and experience in the industry, otherwise your efforts are likely to be in vain. Here are some pointers to help ensure success if you want to buy your own business.
Buying a home is never more fraught with the possibility of emotional entanglement than when the buyer is a woman. Studies have shown that 70% more women than men tend to get caught up and ‘fall in love’ with a home whether it is within their budget or not. And sometime even when it is not suitable for that they want. Sometimes, a piece of real estate just speaks to you – rather like those big eyes of an adorable pound puppy.
The trouble is, that can cause trouble. A home costs a great deal more than a puppy. Having to sell it again will cost you in terms of time and finances – and probably a great deal of stress. And when you buy through impulse, you risk getting a home that in a few months you realise is driving you mad in one way or another. Maybe you hate traipsing up and down the stairs when you come home tired from work. Or perhaps that separate garage is just downright inconvenient, especially on a rainy night.
Many women seem to get tangled up in an abusive relationship. Often they are vulnerable in some way and are the victim of a predator or a con man who can put on a good, caring act to start with. These men are simply using their partners, who may be better off financially than they are, or able to offer a place for them to move into.
Whatever the reason for the abuse, a restraining order is a legal document that prevents an abuser from coming close enough to continue the abuse after the relationship ends. At least, that is the theory. In reality, the abuser can break the conditions and still cause harm to the victim. The only real benefit is that he can then be prosecuted.
Unfortunately, it is more difficult even in this day and age, for a woman to purchase real estate than it is for a man. To qualify that statement, it is actually more difficult for women to get the finance to purchase property. Do banks think that a man is more trustworthy than a woman when it comes to repayments? Or could it be more to do with the fact that a woman who has children is more likely to have a lower paid job because she cannot put all her effort and attention into her career when she has children to look after? This may not be true for all women, but it is for some, at least.
In any case, if you want to buy real estate, the best way to get finance is to first save up at least 20% of the deposit. This will not only ensure you pay less interest overall, but it will show the lender that you are a responsible person who is capable of saving.
Even though many men are so laid back when it comes to seeing the doctor, so that they often die of some disease they didn’t know was raging through their body, it is actually women who can be at risk of getting more health problems. This is because since they are the ones to bear children, women have more organs that can become diseased.
No man can get cancer of the uterus or have an ectopic pregnancy, after all. But whether this is true or not, all women should have regular health checks for one other important reason. They do tend to keep ignoring signs and symptoms because they are so busy with their families and think it is just tiredness.
A Will is a legal document that ensures your assets are given to the children, or whoever else you designate as a beneficiary. When you have just gone through the stress of a divorce, making a Will is probably the last thing on your mind, but it is one of the most important things to take care of – with the help of your family lawyers – now that you are on your own and very likely have custody of the children. Taking care of them by ensuring they get what assets you have should the worst happen, is paramount to their wellbeing.
Any Will that you made with your ex is now invalid and both he and you need to make new ones that takes into account your new circumstances. You will have certain assets from the marriage or partnership that need to be taken care of in a Will, if your children are to be the recipients. Of course, they may be too young yet to have full access, but if you have financial assets, you can set up a trust that will take care of their needs until they become of age. That way they will still have enough money for their education and all the things that you have planned for their future.
There are many ways in which to market your business. Much depends on what kind of business it is. For instance, if you have an online business you run from home, you will need a website to showcase all your goods, or to describe your services if that’s what you offer.
A bricks and mortar business may also have a website in order to help with branding, to showcase goods or services and to get the word out about its existence. However, the fact that it can be seen from the street as people walk past is also a good advertisement. It is essential that your store or business facade is attractive and eye-catching and tells people exactly what you offer.
Most women agree that education opens more doors to a career that is satisfying and well-paid than anything else. To train for any career you need to go through high school and then do further training. But these days not everyone has to complete their year 12 certificate. If they have aptitude for certain other skills such as mechanics, they can go to TAFE and do an apprenticeship while they are still as school. This gives them a good In while they are still young enough to get by on an apprentice’s wages – for instance, they usually still live at home and they are not married.
However, many young people so hate school that they don’t do as well as they could and so their score is not high enough for university entrance. But once they get past all the hassle of being a teenager, they often settle down in a job they don’t like and start to wish they had done more while they were at school.
Many women opt to start their own business, rather than paying the extra cost of purchasing one that is a going concern. They may have special skills and training that mean they can set up as a sole trader to save on the costs of employing staff. Many women who have training as accountant, hairdresser, beauty consultant, or in some other field can even set up in their home to save costs until they get an established clientele.
The need for registration
If you decide to go this route, there are several steps to take that make your business a legal entity and one is registration. This can be done easily enough online and all you have to do is answer some questions on an online form. Once the registration goes through you are given an Australian Business Number (ABN) that you can then use on all your brochures and advertising, not to mention invoices. This ensures a professional look and feel for your business. It is also a legal requirement, needed for your tax returns.
Once you decide to start your own business, whether that is a work from home business or the coffee den down the street, you need to get a website to advertise it. A website is essential, especially if you are selling goods or a service that can be offered online. Depending on what kind of business you have, it allows your customers to buy or place an order at any time of the day or night.
Make sure your domain name is unique
So the first step to a website is getting a domain name. But before this is possible, you have to choose the name and make sure no one else owns it. You cannot register a domain name that belongs to someone else. How do you find out? When you go online to purchase a name, the website will offer a way to find out with just a few clicks. It is all done automatically. If the name you choose is not an original, you will know immediately.
Have you been discriminated against in your work place? First, let’s see what discrimination looks like.
- Interference in doing your job
- Making changes to your job in a way that is disadvantageous to you
- Treatment that is different from everyone else
- Refusal to employ you
- Unfair dismissal
- Being given different pay or conditions to others who are doing the same job.
So you can see that discrimination is not the same as harassment. It is basically when you are treated unfairly because of what you stand for or who you are. It could simply be because you are a female that you are subjected to different treatment, refused work that you are well qualified for, or paid less than your male counterparts.
When we think of abuse, many people only think of physical violence. Every time we watch the news there seems to be physical abuse being perpetrated against women, often by someone they thought they could trust. While it is horrifying to hear the story and see the kinds of injuries and even death that has been suffered, there are other types of abuse that never make the headlines.
We have all had a good row with our partners or other loved ones that has served to clear the air about whatever was bothering us. That’s not to say there isn’t a better way to deal with it, but this is not what verbal abuse is. Verbal abuse is the constant putting down of someone by telling them how stupid or ugly they are. This can be done without even raising the voice but it is no less devastating for that.
Keeping fit is an important part of your overall health and the only way to do this is to have a reasonable amount of exercise. When you move around it not only tones your muscles and ligaments to prevent them from becoming weak and unable to support your body properly, it also removes toxins and waste through perspiration. Plus, it increases the amount of ‘feel good’ endorphin’s in your brain so it is good for your mental/emotional health as well.
While it is difficult to fit in an exercise regime when you lead a busy life, in many cases very little exercise is needed, depending on the lifestyle you lead. If you play a sport, go hiking or dancing or even take your toddlers to the park on a regular basis, that all counts as exercise. If you have a job such as house or window cleaning that has you moving around, that too, is exercise.
Many years ago almost every girl took basic cooking lessons in high school, then the curriculum changed and other subjects were available. Cooking was no longer the basic stuff of everyday nutrition with meat-and-potatoes meals. If you took the course you would learn to cook exotic meals from overseas. Many girls chose other courses, which meant that more than one generation of women didn’t really learn how to cook.
Meanwhile, lifestyles and tastes changed and nowadays a ‘meal’ is often something bought in from a fast food place and eaten in front of the television. In fact, some homes don’t even have a dining table. All they have is a row of barstools in the kitchen from which to eat a hasty breakfast and other meals are eaten at work or a restaurant. So anyone who wants to learn to cook is hard put to find out how.
Divorce is often full of bitter recriminations and finding fault. While this is difficult for both parents to go through, it is even harder for children, especially if they hear you fighting over them. They think they have done something wrong and are the cause of the divorce. Then they have to cope with feelings of guilt as well as the anxiety and despair of their parents divorcing.
It is essential to help your child cope with divorce if they are to come out of it relatively unscathed. Sometimes it takes years for a child to get over their parent’s divorce and if they are young at the time they will suffer a great deal throughout their life unless you take charge of the situation to help them. Here are some tips to help your help your child cope.
When you and your spouse split up there are many decisions to be made and one of the most important ones is who gets custody of the children, and what will be the visiting rights of the one who doesn’t. Child maintenance must be worked out, along with the care and welfare of the children both in the present and the future.
It is important to do this in a way that is not stressful to the children. Often, children feel guilty when their parents split up, thinking that something they did or said caused it. They feel torn between the two and are devastated that they have to choose between the two people they love most in the world. That is usually the situation, but in the case of violence things will necessarily be different.
When there is trouble in a relationship a separation may help both people to sort out their problems and decide whether to get a divorce or to try again. Some people may consider that a separation is simply an essential step to go through so you can apply for a divorce. A family lawyer can help you get through this time with advice on what to do. Others feel that by separating for a few months, their differences could be worked out.
If this is so for you and your spouse, it is wise to put a time limit on the separation, otherwise it is likely to drag on and your lives will become separated to the extent they cannot be put back together. There are several other things to work out for this kind of separation.
When a relationship breaks down irretrievably it leads to separation for 12 months and then divorce. No matter who you are, if you want a divorce you have to separate for 12 months first, but in fact, you can still live in the same house. Whether this happens or not, it is wise to seek fair and equitable distribution of property and finances after the divorce, through your family lawyers.
Divorce is stressful – sometimes it is even traumatic. This often causes a woman to agree to almost anything so long as she never has to see or speak to her ex again. If you are feeling like this it is wise to seek professional counselling and support from trusted friends. It is not wise to agree to anything when it comes to division of assets. If your ex is bitter, he is sure to try and con you out of your fair share and you may not even know it – or care, until later on when you’ve had time to recover emotionally.
The Family Court of Australia services all families in need of legal advice from family lawyers or help in legal matters pertaining to the family. This includes parenting, child welfare and many cases that originate in the breakdown of a relationship and end in divorce. They offer a great deal of information and help on their website, through which you can apply for a divorce, for custody of the children, for settlement of assets and even for restraining orders against your ex, if he is harassing you in any way.
It was established by Parliament in 1975 and its judges and other staff have helped families with many complex problems ever since. Most of its services are free, but if you apply for a divorce, there is a fee, although this can be reduced for those that qualify. If you feel in need of help, you will find that the family court offers it without judgement, being respectful of your needs as well as those of your spouse and other family members.