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I'm a stay at home mom. Just graduated and no job experiences yet. I like to become a virtual assistant, but upon looking at the requirements during the registration at a site for job hunting (virtual assistant and online English tutor), I was hesitant because I don't have any job experience...

I am planning to start my online home business but I am short of capital. They say, start it with small capital but in baking, ingredients are a bit expensive and you have to buy it by bulk to save money. So I was thinking to sign up for a loan, Is loan really helpful in starting up a business...