Work from Home For Women February 2019

Thank you for checking out this months issue of CWN for Women, I am Wendy Benton, your founder and designer of this magazine. We love helping share success stories about women around the world. All advertisers in this magazine are home based entrepreneurs who have chosen to be home with their families rather than work corporate America. Please support our advertisers, and this magazine.

Read it! Share it! And come back each month for more.

If you would like to be featured in it. Please message us at ChristianWomenNetworking1@gmail.com God Bless!

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3 Smart Shopping Hacks for the Savvy Shopper (BPT) - From the seasoned fashionista to the lastminute birthday gifter, we all have reasons to go shopping. Sometimes finding the perfect birthday or anniversary gift for a special loved one can feel overwhelming with so many choices out there.

Here are few tips that can help save time, money

what to look for.

2. Join a loyalty program. Being a rewards member at your favorite retailer allows you to not only get the perfect gift but enjoy wonderful bonuses for yourself as well. For example, Nordstrom’s new Nordy Club combines everything you loved about the Nordstrom Rewards program with enhanced services and experiences. You can earn points faster to receive notes, which can be used like cash for purchases in-store, in the app or online. As a member, you also get "First to Shop" select brand and product launches, access to beauty and style workshops, free basic alterations, can reserve online to try on in-store or use curbside pickup.

3. Find shortcuts. In today’s busy world, time is of the essence. Retailers recognize this need for efficiency and have designed services to make your life easier. You can buy online pick up in store, utilize complimentary giftwrapping, or even schedule a free stylist appointment who will populate a dressing room with and make shopping stress-free. curated products before you even walk in the store.

1. Leverage the experts. From shopping for your The list of services goes on and on, so be sure to great-grandpa’s 80th birthday to finding the perfect check out what your local retailer has to offer.

Sunday brunch accessory, there are expert opinions on everything to guide you on your quest. A quick To learn more about how to best leverage these tips search online before you start to shop will generate at Nordstrom, check out The Nordy Club or visit Nordstrom.com. creative ideas so you can have a starting point of

al spirit, has brought me where I am today. I did not come from money, but I quickly learned to make my own. Being a single parent of a threeyear-old daughter at age 34 was not easy, but i started a cleaning business which I have owned and operated for over 20 years. I believe that God has given me the strength and guidance that has helped me make my way through the obstacles of everyday life. I feel blessed that my parents taught me at a young age that I could do anything I put my mind to, and that belief holds true today. That is the very foundation that has kept me going. I guess you could say I have always been a woman of faith!

asked if I would take a look at what he was doing to supplemen his income. It was everything I was looking for, and more.

Now I want to create a stream o income that I can feel good abou sharing with everyone. This com pany has allowed me to dream again. I will be debt-free in the f ture. After my bills are paid, I want to help my father retire, as he works too hard. I also would like to travel. There is a big worl out there to see! So far this com pany has given me more free tim with my family, and I have more income as well. My biggest wish to help people get healthy and show them a way to alleviate the stress of worrying about the future.

I believe I can offer people the With the state of the economy same opportunity to have more these days, a single source of in- free time, more time to spend name is Julie come is simply not enough. I was with their families. Mothers can Boyce. I was always searching for new avenues work from home on their terms, born in Califor- of revenue; but nothing seemed making their own schedule, earn nia, and I cur- worth trading my time for, so I ing based on their needs and de started looking for something I rently reside in a little town in sires, while raising their children Washington, where I own a small could do from home on my own am teaching others financial edu business. Having a great love for schedule. cation that they can carry into family and helping others, along Eventually, a friend of mine saw I other areas of their lives in orde with possessing an entrepreneuri- was struggling financially and to achieve their dreams.

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y lost 44 pounds, her son lost 30 pounds and her mom lost 24 pounds. How did they do it? Well, all from doing the KETO Lifestyle.

Wendy began looking at the Keto program because her 15 yr old son had severe epilepsy and wanted to know what she could do to help him. She was desperate since the neurologist said he was having constant seizures and wanted to send him to Duke Children’s Hospital for a study to see if he was a good candidate for brain surgery.

She began researching online what she could do to help him. That is when she found the Keto Lifestyle.

The ketogenic diet was a treatment for epilepsy and discovered in 1921 by Dr. Russel Wilder, MD, of the Mayo Clinic. At about the same time, German biochemist and Nobel laureate Otto Warburg published a study showing that cancer cells, unlike normal cells, use glucose for energy. (Recent interest in this theory has prompted both animal and human studies showing striking results of the low-carbohydrate [low-glucose] ketogenic diet in certain cancers.)

It was found that children who had epilepsy could begin a Keto program and either eliminate completely or help their seizures tremendously without any medication.

After learning of this Wendy decided that it was in her best interest to put her son on this immediately.

Knowing it would be hard because she delt with a teenage boy who love pizza she knew it had to be done.

What Wendy did not realize was what effects it would have on her family. During the first few weeks her son began losing weight and the seizures stopped. Wendy began losing weight and feeling better. And life began to change.

Wendy became obsessed with helping her son feel better and not have to go through the ordeal of brain surgery.

Breakfast: Bulletproof Coffee every morning

Lunch: Tuna Salad

Dinner:

(coffee, 1tbsp ghee butter, 2tbsp mct oil)

Keto Pizza Pockets

Keto Pizz

Eggs, sausage, cheese casserole

Grilled Chicken Salad

Chicken

Hemp Seed Oatmeal Keto Pancakes

Keto Las

It was not until their first visit back to the neurologist that made Wendy realize that what was happening in her home was nothing short of a miracle.

Not only was it weight loss, but her son was almost seizure free, and the atmosphere in her home had changed.

You see when someone has epilepsy it messes with their emotions and mood. Wendy shares how her son was always angry, or mad and mean to everyone. As a mother it was very hard on her and she just did not know what to do.

After being on the keto program, her son started being happy, and nice and everything in her home changed.

Wendy became so passionate about this that she started helping others get on the Keto Lifetstyle.

Wendy says “I’m Keto for Life�

If you would like to know more about the Keto program, and what exactly Wendy did, go to

za and Broccoli Casserole

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Remember your savings? Here's why you should make them work for you (BPT) - A generation ago, Americans were savers. When the Greatest Generation and Boomers needed to make a major purchase or wanted to take a trip, they put money aside. And then they saved some more. Putting money aside each week or month was an ingrained habit, perhaps as an outgrowth of people living through the Depression and World War II. But today, half of Americans do not automatically put money into their savings accounts with each paycheck. This is a routine that creates incremental gains every few weeks.

According to a recent PurePoint Financial survey almost half of Americans today don't quite get the concept of saving for the short term. People are putting money into their employer-matched 401(k) plans for retirement, but they're not setting savings goals for the next one to five years.

That's a mistake, says Pierre P. Habis, president of PurePoint.

"People don't realize that not saving actually costs them money," Habis says. "They're leaving money on the table by not doing one simple thing: Maximizing their money by moving it from a checking account or traditional savings account to a high-yield savings account."

Somehow Americans' money mindset shifted, and the instant gratification that comes with purchasing what we want, when we want it, has erased the concept of saving for a purchase.

Millennials in particular are frequently derailed from their short-term savings goals by impulse.

The PurePoint survey found that compared to the Boomer generation, millennials are three times more likely to have their short-term savings derailed by an impulse trip or vacation because their friends were going; and equally three times more likely to buy something on impulse because of an online or social media ad.

Other findings include: * 65 percent of Americans do not know they're missing out on free money by not having a savings account, and don't understand how interest rates can impact their savings. * 4 in 10 Americans believe their checking account and savings account have the same interest rates. * One-third of Americans prefer debt and instant gratification purchases to saving. * More than half of Americans let money sit in a checking account without transferring it to a savings account, where they can be earning interest.

How much money are people losing by not earning interest in a high-yield savings account? The numbers are startling.

According to some number-crunching by NerdWallet by CNBC, if you put $10,000 in your checking account, at the end of three years, you'll have that same $10,000. A traditional, lowyield savings account will give you about three extra dollars. But a high-yield savings account

will give you $10,475. Now you're talking about some real money, and it only goes up from there. Leave that $10,000 in the account for five years, and you'll have $10,805. And that's at an interest rate of 1.55 percent. Non-traditional banks like PurePoint offer higher yields, reaching more than 2 percent. That's a good chunk of change.

"A good first step is to check your APY, which according to our research more than half of Americans don't know," Habis says. "If you're not earning at least one percent, you're doing yourself a disservice."

Put that money in a CD, and you'll earn even more. Now, your money is working for you, not against you, like debt, inflation and credit card interest rates.

The solution? The old-fashioned notion of saving for a rainy day has been streamlined by ultra-modern financial technology. Online financial institutions like PurePoint, which is a hybrid digital bank with brick-and-mortar financial centers, are offering more competitive interest rates for high-yield savings and CD accounts than traditional banks, nearing the 2 percent mark. It's an alternative to investing that you can trust with a knowable, controlled return over the short or long-term. It's almost like investing in the stock market, but with a controlled and knowable return.

For more information about how you can make your money work for you, visit PurePoint at www.purepoint.com and try their rate comparison tool.

Debra Myers Why I do what I do all from home.

Hello, My name is Debra Myers and I would like to share my story with you on WHY is started working from home. In October 1998, my oldest daughter was born. Shortly after she turned 1, we found out that she had Cerebral Palsy and she also has epilepsy. In January 2001, our other daughter was born. These two are something else. They keep me on my toes all the time. In 2010, I found out that I had Triple Negative Breast Cancer. Life as we knew it was changed forever. Thing are going GREAT now, 7+ years and still going strong. I have been looking for something to do from home because it's hard to work a full time job when I would get a call from the school telling me that I needed to come get my daughter because she was having seizures. So, I started really looking into a home base business.

Then I talked with an friend that I grow up with and she told me that she was working from

home.

The business she introduced me too was a true home business that allows me to work from home and make a full time income working part time hours using my laptop or smartphone. It has truly been a life changing business. You will appreciate the fact that anyone no matter where you live, what experience you have you can make an income with this business. I would love to speak with you personally. Fill out the form below and I will personally call you and give you additional info about what I do all from home. The information is free to receive. Thank you for reading my story and I look forward to talking with you soon.

To connect with Debra click here

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companies in hopes of finding her niche and a business she loved as much as she did the clothing company. Throughout these ventures, she did not find exactly the right fit until she started with a health and wellness company. She realized the concept of helping people live healthier, happier and longer lives warmed her heart and this has been her focus for many years.

She recently decided to join her husband in retirement but was introduced to a new company with an awesome proprietary product. Having researched the company and the product, she realized it was too special to not share with everyone she knew. So, she jumped in the network marketing arena again working as a founding udy Sasser lives near Raleigh, NC in member, learning all about the product, and Smithfield, NC and has lived there for 55 years. getting ready to share it. She is so happy because Judy is married and a mother of two grown the company has just children. She has six grandchildren who are living launched and now she and one grandson who passed away at the age of can spread the word four. of a product that no Judy started her network marketing career in other company has.

1984 with an all natural, handcrafted jewelry line.

This product is made When this company closed, she became the first with Adaptogens and consultant with Multiples At Home and did many Antioxidants to help home presentations demonstrating the versatility repair, rebuild and reof the one-size fits all knit fashions. She balance the body. It developed a very large team of women across works especially to the nation who loved this line and did remarkahelp with stress. ble sales. After 10 years, this company was sold What are adaptogens: to a large clothing manufacturer who decided

J

that they did not want to continue a home based business division.

After that, Judy tried many network marketing

This stress relief product sounded just like something Judy needed. She has experienced many ups and downs in her life, including a twin grandson with leukemia, the death of her precious four year old grandson, and a serious wreck on an interstate highway when an 18 wheel truck pulled into her auto, projected her car into the air in front of it, and then came back to hit her again. She witnessed the truck coming directly at the driver’s side of her car and could only pray. The patrolman told her she should have flipped many times and it was a miracle she was alive. She experienced PTSD from this and has continued to be bothered with big trucks on the highway but recently discovered on a trip to FL that her anxiety has almost disappeared on the highway. The only difference from before was the use of her new stress relief product!

She realizes that coming out of retirement was a blessing and will also be the same for all the people to whom she shares this product.

emotions and behavior are damaged. Please look at some of the photos with explanations of stress and see if you fit into one of the categories.

And, yes, children can suffer from anxiety/stress and it definitely takes a physical toll on them.

Does your child suffer from anxiety, behavioral issues, trouble concentrating, trouble following instructions, and other such problems? You need to see some testimonies on children taking our product.

Please contact Judy to receive a selfevaluation quiz to determine your level of stress and to receive more information on this all natural, scientifically proven product. Many years of research and clinical trials have proven the effectiveness of this product and the fact that it is safe for everyone.

We are happy to be introducing it through the word-of-mouth method with network marketing.

We have a new customer site where you can learn all about our products and how you can try them with our 60 day guarantee of “It Works or It’s Free!”

Many people are not aware of the fact that they are stressed and especially that stress Continue to next page —————-> can really affect their health. With prolonged stress, our body, mind,

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assisted me financially with my two children in college and also assist me financially help my parents. With Nerium it is a caring, sharing company. I'm a static with the amount of people of the changes they've had with their life with Nerium. The people I have met with this company is so heartfelt true friends for life.

I love having my business because I can work on it when I can from my phone or my computer. So it travels with me! Think that I like best about my company is I'm i I am Kim Urban and I'm not selling product I'm sharing product. an independent brand partner with Neri- The products sell themselves. It had um International. I am a woman that be- changed my life, I'm a more confident inlieves in Family Faith and happiness. I have dependent woman!

3 Beautiful adult children. I started my Nerium business 5 years ago at that time it

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I was introduced to the Valentus products, August 20, 2015. My weight was 152.3lbs. It was incredible the amount of energy I had.

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doTERRA, I knew i needed money to join, so I decuttered a little and went to the class with my debit card in hand ready to purchase some oils!

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5 ways to get financially fit this new year

(BPT) - In 2019, many Americans are planning for a “better me” in the year ahead.

Gym memberships and diets are at the top of many lists, but what about financial health? Losing debt can be just as important as losing pounds, and financial fitness just as important as physical fitness.

According to a new survey from Marcus by Goldman Sachs(R), 74 percent of Americans think their financial well-being has an impact on their overall health and 64 percent feel they are not in the best financial shape they could be. On top of that, half of those surveyed (50 percent) think it’s easier to get into better physical shape than financial shape and 59 percent consider tracking expenses and budgeting to be more stressful than trying a new workout.

Although New Year’s resolutions to improve financial fitness may seem daunting, they are achievable, and their effects can be significant.

While it is important to pump iron and feel great physically, it is equally beneficial to pump up your savings and take steps to secure your financial future. Here are five simple ways to help achieve better financial fitness in 2019:

2. Set a realistic budget: Every financial fitness plan should start by establishing a budget that is both effective and achievable.

The first step in creating one is to identify your essentials like mortgage or rent, car payments, tuition loans — and determine how much each of these expenses cost you per month. Next, average your spending in key categories that occur on an ongoing basis, such as food, gas, clothing, commuting costs and your gym membership. Combine those two figures to determine what your actual expenses and monthly budget are, and any money left over can be considered discretionary. Part of each month’s discre-

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tionary budget should be dedicated in advance to savings. Financial fitness introduces a level of discipline to help people make [1] Annual Per change at any t a proactive commitment to saving each is opened. APY month. $1 minimum to 1. Trim down debt: Eliminating debt is a mum of six wi worthy goal shared by many — 78 percent 3. Shred unwanted subscriptions: With a monthly statem budget in place, it’s all about tracking exof those surveyed would rather get rid of lowed. Maxim penses and ensuring that your spending their debt than lose weight. Consider inaligns with what your budget requires. stead a debt consolidation personal Informa has ob loan such as those provided by Marcus by There are many free tools that can help do financial instit Goldman Sachs(R), which offers fixed-rate, the work, such as the personal financial not be guarant no-fee personal loans that could help save management app Clarity Money, which monitors recurring expenses and helps with effective as of S on interest when compared to high-interest eliminating unwanted subscriptions.

Keepvariable rate credit cards. ing a tighter rein on your spending makes it more at Marcu

costs and stick to your budget

our savings: Look for savings higher rates that can help make more money. A highavings Account from Marcus achs can earn 4X the national a 2.05 percent APY (annual ld)[1]. There is no minimum ed, making it an easy way to your savings with the cash ave.

kout partner: Working out with partner at the gym helps to esblish shared goals, while enuraging accountability. The me is true for financial fitss. Your path to better finanal health could accelerate if u can partner with a family ember, friend or significant her who’s also interested in eir financial well-being. Plan onthly check-ins, arrange mini ompetitions for saving more d organize “no spend days” gether. You’ll keep each other sponsible and build positive utual support along the way.

r more information on apoachable solutions to your fiement, head to Marcus.com.

rcentage Yield (APY) may time, before or after account Y as of [December 26, 2018]. o earn stated APY. A maxithdrawals or transfers per ment period are almum balance limits apply.

btained the data from various utions and its accuracy canteed. National Average rate September 3, 2018. Learn us.com.

best of both worlds with the company we chose for our business. It's more of a hybrid, if you will. The Comp plan and the Pay it Forward concept is what originally attracted me to the company. Now that we have evolved into one of the number 1 selling products in America.

Our revolutionary product is helping people in so many ways! I am passionate about many things. I know someday I am going to retire, and I want more for myself and my family, so residual, income is the best option for us.

I found my dream "Home Based Biz" thru two mutual friends, who have become great mentors in my life. The Pay it Forward concept in many ways from the company, d like to introduce myself, was the #1 reason why I decided to join the team. my name is Erica Alford. I am Now that we are in year 3, and the vision has 41 years old, a wife, and a brought a revolutionary product, well I'm ecstatic mother of 3 handsome boys. to say the least.

I own two businesses, 1-homebased, 2- A Salon & Spa. I teach Sunday school here in my small village and I am the president of the Area Economic My dreams and desires are to be home more with Development Corporation. I am very passionate the family. about helping others in any way. I love what I do Travel the and even more I love sharing what I know. I enjoy world and Giving Back as much as possible, in every way! show my kids

I'

real world issues first I started my first home based business @ age 19, hand, missionselling lingerie...I did it because it looked fun and I ary work, and wore the products. However over the years I have Give more. been apart of several other companies, and I have Joining this learned SO much along the way, needless to say I amazing opdon't sell bra's and undies anymore Now I have the

portunity, we have been blessed to pay off most of our debt, we went on a pilgrimage to Italy last May with our church diocese. Our company pays for our Jeep as one of its benefits!! We have been able to donate over $1500.00 in 2018 to charity. This is going to be our Freedom! My desire is to share what I know, and help others do the same!

I can help anyone learn this industry of working from home, if they are teachable and coachable.

With the help of my amazing team and our CEO is

always paving the way and training us to push harder so we can be the bestie can be, not only for the business, but for us to help our communities as well. If you want something more, we can help you find it!

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2 boys. I also have 2 beautiful granddaughters. I love being able to help people change there lives and get healthy and better there lives. Its awesome listening to all the wonderful testimonials of how there lives have been changed. Im so glad i get to stay at home with my kids and watch them grow and do things with them.

Hey my name is Tammy Franklin. I live in Louisiana. I've been married for 28 years. I have 4 beautiful kids 2 girls &

To speak with Tammy and find out more how she can help you work from home click here.

Goodbye spring cleaning, hello winter refresh!

Four home improvement updates to take your home from drab to fab (BPT) - Every year, homeowners anxiously await spring to refresh and reset their homes. But what if we capitalized on all the time spent indoors during winter to take control of home improvements ahead of time instead?

With a little thoughtful planning, you'll not only be able to give your space a simple face lift but also enjoy spring when it comes around and be outside, soaking up the weather!

Many homeowners agree that the colder months are the perfect time to cross home improvement projects off the list, feeling more motivated to work on them during this time of year, according to a new survey (online survey conducted in September, 2018, of 1,000 U.S. homeowners, ages 18+, in partnership with Lucid, on behalf of Maytag). A whopping 78 percent of homeowners plan to make some type of home improvement in the next three to six months and young homeowners are even more motivated, with 87 percent of millennials planning to give their spaces some tender loving care during the same time frame.

Simple updates with big impact Enhancing your home’s value and functionality does not require a full-blown remodel. Strategic updates can make a significant impact and can be completed in just a few days. Consider these smart, no sweat home updates while staying cozy indoors.

Upgrade appliances: Dated appliances can steal from a space's potential; a simple swap can completely transform the aesthetic of a room, taking it from vintage to polished in a snap. Thanks to Maytag, you don’t have to sacrifice function for style.

Whether you’re partial to French door or side-byside refrigerators, front load or top load washers, explore sleek options at www.maytag.com. With a

few thoughtful changes, you have the power to turn your home into the space you’ve always dreamed of.

Declutter: While you may not be ready to jump on the minimalist band wagon, be inspired by the movement and remove unnecessary items from your home. Donate or sell trinkets and gadgets you don't use and focus on organizing what’s left. Con-

sider storage solutions like closet organizers and kitchen pull-outs that make organization seamless.

There’s no greater joy than coming home to a clean, tidy and truly clutter-free space.

Brushed metals have maintained popularity, and brass is poised to make a comeback. Other materials like wood and glass are popular for hardware, too.

Fresh paint: A fresh coat of paint is an affordable update for any room, and with a little elbow grease, you can easily complete this project in a weekend.

Whether you paint all the walls in your bedroom or just one to create a focal wall, you can customize this project to your personal tastes and preferences.

While you're at it, why not paint the ceiling too? A fresh coat of white paint can instantly elevate a space by better reflecting light.

Whether you love it or can’t get through it quickly enough, winter is a perfect time to take on home improvements that are simple and achievable; about three in four homeowners would rather complete home renovations during the fall and winter so they can travel in the spring and summer. With these handy tips, you have the knowledge and power to rejuvenate your home and make this winter a productive one. Update now, so you can relax later!

Replace hardware: The kitchen and bathrooms are typically the most frequented rooms in a home. The hardware in these spaces might seem like an afterthought, but if you want to add a little pizzazz with minimal effort, focus here. Styles go in and out of fashion and hardware becomes drab with everyday wear and tear. Replace knobs, handles and hooks with a new look that reflects your personality.

.

thing chang on.

This w ined m most able t Beaver” family … doing well. But be- having to think . . “w hind the scenes, the picture was far this, but we may ne from perfect. Stress had become I simply wanted to our constant companion . . . and noterms than have “l body knew! path. I wanted eno savings every mont Because we were living on one invacation without it come, we found ourselves living pay it off! I wanted paycheck to paycheck. Anything ex- and when they nee tra went on a credit card so as the years passed, our credit card debt inMy name is Susan Saling. My husband Then someone intro creased. We had minimal savings. There Bill and I live in Carthage, Missouri. Bill dustry. To be hone were few extras . . . no family vacations was a High School Principal before he remuch “fear or skep to speak of. And the most frightening tired and I was a stay at home Mom. tion that we had NE part of it all is that we knew that when we saw it as our life Bill retired, it would be on 2/3 the salary were introduced to To the outside world, I'm sure we apthat we were barely scraping by on. we can do this”!! W peared to be the perfect “Leave it to We were in Because the startup survival mode, something even we simply trying cause we were alre to keep our our health, the com heads above products and marke water. And for us. when you are We loved the cultur surviving, you people. There is ne aren't dreampeople to “lock arm ing! I had no found that stranger hope that anyfriends, and then th

could be done to ge the path we were

wasn't how I had imagmy life! I wanted what people want . . . to be to do the extras with well maybe we can do eed to give this up”.

live more on my own life” delegate my ough money to put in th; I wanted to take a taking me 2 years to d to help my family if eded it.

oduces us to this inest, there was never to pticism”! It was an opEVER seen before and eboat! When we o Limu, we said: “yes, Why? p cost was minimal . . . e could swing! Beeady proactive with mbination of Limu's eting plan was perfect

re of people helping ever a shortage of ms with”. In Limu we rs quickly became hose friends became

family.

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So we took a leap of faith and by doing so . . .

their eyes to options they didn't know We quickly regained “hope” and the abil- existed. ity to “dream” again!

For me, the best is yet to come!

It gave us an avenue to pay off our debt.

Enabled Bill to retire 6 years early from a high-stress job!!

We were able to work together (on our own time frame), travel more, earn a BMW and experience better health Now, Limu allows us to “pay it forward” by sharing with others and opening

How women business owners cracked the glass ceiling (BPT) - Today there are nearly 12 million women-owned small businesses in the United States that generate almost $1.7 trillion in revenues. But 30 years ago, it wasn’t the same story — these business owners’ financial futures could have been out of their hands due to sexist lending practices, incomplete government data and limited advocacy on their behalf.

In 1988, women owned just 4.1 million businesses in the U.S — which may have been partially because acquiring financing was so difficult.

Up until 1988, lenders could require women business owners seeking Kate Lester, owner of Kate Lester Interiors, took out a small business loan through Funding Circle financing to have a male cosigner.

This shocking and unfair practice made it difficult for women business owners to get the funding they needed to grow — limiting their ability to do everything from open a new location to make payroll or even just refinance other debt.

In the 1980s, the Small Business Administration released a report that mistakenly claimed almost all women-owned businesses were That all changed with the passage of H.R. 5050, also known as the Women’s Business Ownership Act of 1988. This legislation is consid- home-based and had sales of under $10,000 per year — largely because data to the contrary wasn’t available. Knowing this to be a ered a landmark for women in business, changing the landscape of factually misleading report, the National Association of Women business financing for women in the United States forever.

Business Owners’ then-president, Gillian Rudd, held a press conferH.R. 5050 went on to shape the future of women and business in ence on the steps of the U.S. Capitol to publicly call out the misguidthree critical ways: ed report, which kicked off the call for H.R. 5050. With the belief It banned lenders from requiring a male cosigner. that knowledge is power, this bill mandated that the government One of the many witnesses to the H.R. 5050 hearings was a woman collect more complete information on the state of women-owned who didn’t have a husband, father or brother available — so she had businesses. to ask her 17-year-old son to cosign a business loan for her, which sadly was not an unusual story. By making this practice illegal, the bill helped level the playing field for women in business.

It created the National Women’s Business Council.

This council was established as an independent and nonpartisan federal advisory council. Today, it advises on issues of impact and interest to women business owners by providing data and research to the White House, Congress, the Small Business Administration and the public.

It required the U.S. census to track women-owned C-corporations when reporting data.

Together, these pillars helped pave the road for women business owners — and over the past 15 years alone, women-owned enterprises have grown 1.5 times faster than other small enterprises. Access to capital is crucial for any business, and this legislation helped evolve long-outdated practices and beliefs that unfairly favored men. In recent years, online lending platforms like Funding Circle are helping to create opportunities for all. There still may be miles to go in continuing to equalize credit opportunity for everyone, but this significant step in women’s business history is surely worthy of celebration.