Category Archives: SBA

No Experience Needed Jobs

FTC: Links to from pics or text that result in sales could lead to a small commission to me at no cost to you.


There is a place in the job market for you!

There is a place in the job market for you!

Young folks and folks who have never worked a regular job often seek no experience needed jobs. For example, a lady who has been raising kids and going to PTA meetings may not have the skills and knowledge to work in one of the job opportunities she sees in the newspaper want ads. They are willing to learn but don’t recognize that they actually do have some skills and knowledge which is directly applicable to the work place.

Another example is farm workers who don’t see how they would fit in to a job in industry. The fact of the matter is that industry prefers farm workers. Why? Because they know how to do things. In Colorado, we always gave preference to farm workers.

Military veterans may not see how their military training fits into the work force, but veterans are given preference in industry and government and military experience can fit in better than they think.

Let Others Decide Your Potential in the Job Market

If you have been out of the job market for a long time, then you probably don’t know exactly what that market is all about. Therefore you need to let people who are in the market tell you what they need. Then they can match your skills with their requirements.

You should apply for a job you know that you are not capable of doing. The reason is that when an employer looks at you, he may think of other areas of his company where you might fit in. Therefore seeking one job may lead to another.

You should also consider asking your friends about possible employment. They can often find you a job. I once found a job for a fellow engineer and in turn he found me a job. It turned out that I ended up working for his father in Pennsylvania.

Don’t  worry too much about the qualifications you don’t have.

Consider Working for Your Self

You can work the globe from your home.

You can work the globe from your home.

In this day and age, many folks get tired of their job or they become dissatisfied with their working conditions including their pay. Therefore they decide to go into business for themselves. Since you are starting out in business you may as well make that business your own business.

To start your own business, you will need some knowledge.

A good way to get that knowledge is to talk to people who are in business. A good place to start is at your local chamber of commerce. They will guide you to sources that will help you get established in business.

You also can go to your local community college or university and ask for help. They often have free courses of study to teach you how to start a business.

Also you can go to and prepare a business plan for your business. This will be your guide to success. It is very unwise to try to start a new business without a business plan.

Consider Working from Home

There are a number of advantages to working at home:

1 You don’t pay for transportation to work.

2. You don’t have to buy clothing for work.

3. You don’t have to rent or buy office space.

4. You can use local equipment that you own such as computers and machinery and such.

5. You will have tax advantages.

6. You don’t need to have someone watch the kids or pets.

7. You have that feeling of freedom that comes from working alone. 

8. You have the potential of earning much income.

Consider Internet Marketing

Work from home with the kids there.

Work from home with the kids there.

There are two ways to approach the Internet:

1. Make and sell your own products.

I have always been more successful in selling my own products. I was not necessarily the manufacturer of the product but I was the distributor. In other words I had control of the product.

2. Promote other people’s products.

This is usually affiliate marketing where you know enough about a product to promote it. Your job is to send people to the vendor’s site. You do not sell. That is the vendor’s job. The priority site for training affiliate marketing is Wealthy Affiliate University. I have been a member WA for eight (8) years.

Decide What You Must Do to Make Your Self Effective in a New Environment

No matter what you decide you will have to to have a plan of action to achieve your goals. This will probably include some special training. If you decide to purchase a franchise, then you will be fully trained as part of the deal. the best source for franchise opportunities is Inc Magazine.

Implement Your New Plan of Action

Once you have set up your business plan, then write down the tasks that must be completed. It is your goal to complete each of the task generated from your business plan in a thorough manner.

You should end up in business.

Your own business!

Some Examples of How to Implement Your Plan!

Example 1.

Tyler decided to make key holders, a board with hooks to hang keys on. He made the first board in my kitchen. He opened an ETSY store at no charge and listed his boards. He now is selling these key boards regularly. He also has a web site where he sells Chinese goods but charges only for postage and handling because the items are so inexpensive. Tyler is my wife’s caregiver’s son.

Example 2

My two granddaughters were taught to knit when about four (4) years old by my wife. They now sell knitted goods, first on Etsy and then on their own site. Their husbands are in college but my granddaughters are the breadwinners, having a dozen or so employees.

Example 3

Some friends of mine in the Midwest had a business from their home selling doll parts and accessories. They put the business on the Internet with their own site and doubled their sales overnight. The business continues to grow. I have other granddaughters who promote their professions on the Internet.

Example 4

My son used to sell flutes. We set him up a website and he told his customers by email that he had a new website where they could buy flutes. He “tied up” the flute makers world-wide (Irish flutes) and his business grew until he didn’t have time to run it–so he sold the business. He is a veterinarian who now has a new business on the Internet:

Example 5

A man I know of had juggling as a hobby. He set up a website selling juggling equipment and does very well financially.

Example 6

A gentleman, now deceased, I knew, sold car parts which he put on the Internet. He wrote and sold a best selling book on buying cars. He then started a very large business teaching folks how to make money on the Internet.

Example 7

Four men I know personally each became Affiliate Markers while in college. One hired college English majors to write for his many websites. Now he teaches others to make money on the Internet.

Ryan Moran earned his way through college as an entreprenoire He is still at it, a good friend.

Ryan Moran earned his way through college as an entrepreneur He is still at it, a good friend.

Kyle and Carson who own Wealthy Affiliate worked their ways through college as affiliate marketers.

Also did a friend named Ryan Moran who did the same thing, earning $500,00.00 while in college. (I have tried to get him to climb Mt. Moran in the Tetons but so far I have failed). He has gone on to bigger and better things like importing products and having Amazon sell them for him from their site.

Well, there are “no experience needed” jobs. Claim Yours!


Old Man in Idaho

Dr. John T. Jones

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SBA Loan Requirements

The Small Business Administration

The SBA supports small businesses. You might want to look at theirSBA 2 definitions of small businesses at

Some businesses are excluded from SBA loans. I have listed them here so that you can see if you are excluded. If you are not excluded, I have listed the SBA requirements for loans.

Excluded Businesses For SBA Business Loans

1. Financial businesses primarily engaged in the business of lending, such as banks, finance companies, payday lenders, some leasing companies and factors (pawn shops, although engaged in lending, may qualify in some circumstances)

2. Businesses owned by developers and landlords that do not actively use or occupy the assets acquired or improved with the loan proceeds (except when the property is leased to the business at zero profit for the property’s owners)

3. Life insurance companies

4. Businesses located in a foreign country (businesses in the U.S. owned by aliens may qualify)

5. Businesses engaged in pyramid sale distribution plans, where a participant’s primary incentive is based on the sales made by an ever-increasing number of participants

6. Businesses deriving more than one-third of gross annual revenue from legal gambling activities

7.Businesses engaged in any illegal activity

8. Private clubs and businesses that limit the number of memberships for reasons other than capacity

9. Government-owned entities

10. Businesses principally engaged in teaching, instructing, counseling or indoctrinating religion or religious beliefs, whether in a religious or secular setting

11. Consumer and marketing cooperatives (producer cooperatives are eligible)
12. Loan packagers earning more than one third of their gross annual revenue from packaging SBA loans

13. Businesses in which the lender or CDC, or any of its associates owns an equity interest
14. Businesses that present live performances of an indecent sexual nature or derive directly or indirectly more 2.5 percent of gross revenue through the sale of products or services, or the presentation of any depictions or displays, of an indecent sexual nature

14. Businesses primarily engaged in political or lobbying activities

15. Speculative businesses (such as oil exploration)

SBA Loan Requirements

Find That Niche Market

Let’s Take a Peek at the Requirements for an SBA Loan.

1. Operate for profit

2. Be small, as defined by SBA

3. Be engaged in, or propose to do business in, the United States or its possessions

4. Have reasonable invested equity

5. Use alternative financial resources, including personal assets, before seeking financial assistance

6. Be able to demonstrate a need for the loan proceeds

7. Use the funds for a sound business purpose

8. Not be delinquent on any existing debt obligations to the U.S. government

An SBA Loan Does Not Guarantee Success

I watched a company in Iowa go down the drain because of poor management. They had a good business model. But they didn’t know anything about people nor did they know how to handle people with the skills that they needed. Nobody wanted to work for them.

They also violated SBA rules in that they spent money on things that were not really related to the business. When they went bust, they told me that the only thing that worked on their business was a decal furnace that I designed and built for them.

All they really needed to do was to hire an experienced manager and let him run the manufacturing and of their business. The principles were great at selling but that is all they knew. If I have lived closer to their factory, I could have given them guidance that one of made them successful.

There Are More Than Loan Requirements for Business Success

You can see that the folks above had a great idea. They could increase their profits on products if they made them themselves rather than to outsource the product. They didn’t need the technical skills to make the product. They just thought they did or that they had them.

In reality what they needed was a business sense that would have allowed their workers who are experienced in the industry to do their thing. And as I said, if they had hired an experienced manager in their business, they would now be in Fat City.

Free Workshopsseminar

You can use SBA and other sources to help you get started in a new business. Local colleges and banks in chambers of commerce and other organizations sometimes sponsor workshops where you can learn about business. They are taught by retired businesspeople for the most part, people who know what they are doing.

The Business Plan

The small business workshops in your community will help you develop a business plan. However, you can go to the site and create your business plan right there. It won’t cost you one red cent.

Your business plan will be your guide for the future. He will be fine your approach to your business, describe your market, describe your manufacturing techniques, describe your business management approach. And there is more than that.

Should You Take out a Business Loan?

Some entrepreneurs who have made millions say that you should never take out a loan to start a business. Who wants a business that starts out in debt?

To them, your greatest asset is you.

Sweat equity, as it is called, the long hours that you have to put in to begin a business, is better than money.

As your business grows, you may borrow capital to expand your business if you have profits that are adequate to repay the loan quickly.

Seek Business Advice

A business plan carefully prepared and executed can bring business success.

A business plan carefully prepared and executed can bring business success.

There are people in your community that can help you in your business.

People who are in successful businesses are willing to talk to new business owners.

You may have friends that are accountants or bankers that can help you along your way. Your local bank can help you even if you are not applying for a loan.

You can learn to build an Internet business at WAU. (Note: This is a link to WAU. If you join other than the free membership, I will get a commission. FTC Regulations that I tell you this.)

Congratulations, new business owner!

You’re on your way!


John T. Jones, Ph.D.


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