home business magazine april 2010

BONUS: HOW TO BUILD A SERVICE-BASED BUSINESS THROUGH PARTNERS — Pg. 36

25 RETIREE BUSINESSES — Pg. 20 INSTANT FINANCIAL LIQUIDITY —Pg. 44

APRIL 2010Home-Based Business & Opportunity Magazine

Special Profi t-Generating Issue

25 Business-Building Ways to Double your Profi ts in 2010 — Pg. 14

DOUBLE YOUR PROFITS!25 Business-Building Ways to Double your Profi ts in 2010 — Pg. 14

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HOME BUSINESSMagazineThe Home-Based Entrepreneur’s Magazine

Contents14

FEATURES

20

26

®

25+ Secrets to Double Your Profits In 2010. Spend an hour reviewing these profit-building recommendations and

mapping out a plan to achieve them.

25+ Best Retirement Businesses. Savvy business start-ups for 55+ individuals.

Interview with Armando Montelongo. Celebrity Entrepreneur and Host of “Flip This House” on A & E.

Seven Publicity Myths that Can Hurt Your Business. Separate the PR facts from the fiction.

Forget Facebook and Twitter!For B2B, it’s all about LinkedIn.

MARKETING & SALES

Generate PR: Before you can get your business the publicity it deserves, learn about the most common publicity myths and the truths behind them.

3030

34

Top Three Green Savers that are Free. Here are ways for small businesses to save money without spending.

Become More Energy Efficient. Help your bottom line and reduce your personal impact on the environment.

Financing in a Cash Crunch.Accounts receivable financing is a route you may want to consider.

Forget the Economy. Boost your profits now.

MONEY CORNER

HOME OFFICE

Go Green and Save: The perception is that going “green” costs money, but that just is not true.

Financing in a Cash Crunch: Consider accounts receivable financing, a form of short-term borrowing.

50

50

44

44

50

44

Double Your Profits in 2010:Discover 25+ profit-building secrets and apply them to your home business.

Letter from Publisher

Letters to the Editor

NewsstandSurvey shows small business employee preferences on medical advice… Is multi-tasking hurting small business?... Nation’s women-owned firms carry water… Franchise trends are strong.

Notice to readers

NEWS AND REVIEWS

10

28

62

12

Helping Patients Stay on their Diets.Father and son business creates a hunger-controlling cookie.

Pediatric/Neonatal Nursing Background and Passion Support Business Goals.Woman brings awareness to the dangers of poor infant positioning in infant seat products.

Partnering Leads to Merger for Bigger Opportunities.Former corporate leaders create a unique publishing business and redefine an industry.

Foreclosing on Success.Chance phone call leads to a lucrative foreclosure cleanout business.

WORK-FROM-HOME SUCCESS STORIES

Merging Companies: Michele Smith and Michelle Gamble-Risley are partners of M Communications.

Bringing Awareness to Danger: From her home, Beth Rumack runs BGR Juvenile Products, LLC — educating about the importance of infant positioning in infant seat products and promoting her Snuggin Go® products.

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March/April 2010 | Home Business® 9

BUSINESSES & OPPORTUNITIESHow to Build a Service-Based Business Through Partners. Zero in on profitable partners.

Build Your Business by Helping a Charity.Getting involved with a local charity can benefit society and your business.

Home Business Directory Listings

Network Marketing Contact Listings

Classified Ads Growing by Leaps: Partners can take their combined services into new markets, acquire bigger projects and customers, or leapfrog over competitors.

36

40

6262

63-65

36

Income After Retiring: Many 55+ persons are becoming entrepreneurs and are successfully starting their own businesses to support themselves or to supplement their current job earnings or retirement incomes.

2014

March/April 2010

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Identify Tracks in Your Business that Must Change if You Want to Generate Increased Net Income

Home-based entrepreneurs face serious challenges in trying to generate more profits. They get myopic in focusing on two or three things to pursue increased net income. For example, cutting the cost of one or two major expenditures, or increasing sales of your main product or services.

But a focus on increased profitability has to move beyond cutting major expenses and generating more sales. In a recession, it may not be possible to generate more sales, and you may have already cut major costs to the bone. So what do you do now?

Our cover story this issue meets this challenge. We have brainstormed across the spectrum to identify 25 steps you can take in the next 30 days to generate more profits. Study our recommendations. This is a good time to dust off your business plans and marketing strategies and update these for 2010 by linking them to the ideas in our cover story.

At a more fundamental level, our cover story will help you break out of a psychological business rut that often plagues home-based entrepreneurs. We tend to work more independently than other business owners, with less personal interactions. This can cause some of us to get myopic, lost in a day-to-day struggle of business procedures. By stopping what you’re doing, and taking time to study the recommendations in our cover story, you will identify tracks in your business that need to change. You start your own customized business brainstorming that will lead to identifying additional ways to double profits in 2010.

As I finish this letter, the U.S. Senate just increased the Federal debt level to $14 trillion and the President proposed a budget with an incomprehensible $1.3 trillion deficit. I will hammer on this issue — and each magazine issue — until something is seriously done about the fiscal insanity. This level of debt is not sustainable and is pushing the country into a depression.

I have received criticism about focusing on this problem without offering a constructive solution. The solution, however, is simple. We have to impose enormous spending cuts and tax increases, with specific goals such as eliminating the deficit within 5 years and the national debt within 15 years. It’s a generational challenge with enormous pain and suffering that cannot be avoided.

But our politics have become so polarized and dysfunctional that solving the problem is likely impossible. One side of the political aisle refuses to seriously cut spending. The other side of the aisle says it wants to cut spending but then advocates for policies that increase spending, and offers little more than “cut taxes, cut taxes, cut taxes.”

How “cut taxes” ever became economic policy shows the political dysfunction and economic ignorance that has thrown so much debt onto the backs of our children. If the governing process was functional, both sides of the aisle would FIRST make the tough political choices about how much to spend on government, and then, SECOND, make the tough choices about how to raise the tax revenue to pay for it. If you want to cut taxes, that’s fine, but start with off-set spending cuts first. The average person lacks these basic understandings of economics and governance, and politicians continue to cravenly exploit the ignorance with false promises.

So we’re stuck with a dangerous combination of dysfunctional governance and a polarized and ignorant voting public. These factors will prevent the tough solutions that will keep the country from falling into a debt-fueled depression.

Publisher, Home Business® Magazine

MagazineHOME BUSINESS

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EditorialChristopher Bachler, Nora Caley,

Deborah Jeanne Sergeant, and many others.

DistributionCurtis Circulation Company

730 River Road New Milford, NJ 07646Tel: (201) 634-7400 Fax: (201) 634-7499

Print Advertising Home-Based Business Display Advertising:

Shannon Needham: (949) 218-8729Michelle Dellner: (949)-240-7529

Advertising Main Office: (800) 734-7042; fax (714) 388-3883 Email: [email protected]

Classified Ads/Directory Listings: See pages in back of magazine.

For complete Advertising Information, visit the “Advertise” section of www.homebusinessmag.com.

E-mail: [email protected]

Online AdvertisingAdvertise on the Internet at

HBM Online Visit the “Advertise” section of www.homebusinessmag.com.

Home Business® Magazine Home Business Magazine (ISSN 1092-4779)

is published bi-monthly by United Marketing and Research Company, Inc.,

20664 Jutland Place, Lakeville, MN 55044.One Year Subscription Rates: Domestic $19.

Canadian $39. Foreign $59. For Subscriptions: 714-693-1866, M–F Periodicals Postage Paid at Lakeville, Minnesota,

and at additional mailing offices. POSTMASTER: Send address changes to Home Business® Magazine,

20664 Jutland Place, Lakeville, MN 55044.

Printed in the United States

Volume 17 Issue 2, March/April 2010www.homebusinessmag.com

The Home Business® Team Publisher Richard Henderson United Marketing & Research Company, Inc. Editor-in-Chief Stacy Ann Henderson Managing Editor Sandy Larson Home Office Editor Gregory Grabowski, PE Feature Interviewer Deborah J. Sergeant Feature Writer Priscilla Y. Huff Graphic Services Tory Hobson, Slice, Inc. Production Manager Jon Auld Art Direction Richard Rabil Advertising Sales Shannon Needham Michelle Dellner Sales Assistant Reagan Nilsson Distribution Manager Richard Trummer, Curtis Customer Service Monique Alponte Call 1-800-734-7042, 9 am to 5 pm PST. email: customerservic [email protected] Circulation Manager Mark Janusz Subscriptions National Subscription Fulfillment Call (714) 693-1866 www.homebusinessmag.com Click on “Subscribe” to Order or Make Address Change Subscription Manager Steve Schley Print Manager Tina Valdez, R.R. Donnelley Reprints For high-quality article reprints, any quantity, email

Betsy White, The Reprint Outsource, [email protected]

Mailing Lists www.homebusinessmag.com (Click on “Mailing Lists” to order.) Mailing List Manager Danny Grubert (914) 925-2400 Digital Media Manager Jim Pappadeas, Epsilon Digital MediaInternet Marketing Manager Shawn Himmelberger, Himmelberger Design Website Development David Blankenship, Infoswell Media Internet Manager TonyQ – Webmaster

®

Yes, You Can Double Profits in 2010

“We have brainstormed across the spectrum to identify

25 steps you can take in the next 30 days to generate more

profits.”

10 Home Business® | March/April 2010 www.homebusinessmag.com

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mailto:[email protected]









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Everybody Likes to Buy Things, But No One Likes to Be Sold

The expression, “Everybody likes to buy things but no one likes to be sold,” is nothing new, but what does it mean? It shows the delicate balance in how people want to feel like they are making their own buying decisions, yet at the same time enjoy having an expert who will help them make an educated choice. As a salesperson, it can be difficult to accomplish this. Using the antiquated selling techniques of persuasion doesn’t result in more sales. Neither does a passive “information dump” that gives a customer control. The key to sales is using “influential selling skills,” a strategy where the salesperson better understands the customer with likeability, trust, and influence.

Nathan Jamail, president of the Jamail Development Group author of “The Sales

Leaders Playbook”

From the Editor: Your customers need to know you have a sincere interest in them and

their needs and that the product or service you are selling is a solution for them.

Selling Yourself and Your Ideas to Senior Management

It’s no secret…the higher up the corporate ladder you go, the more important your public speaking and communications skills become. And the faster you develop and hone your skills, the faster you’ll climb. If you have your sights set on increased responsibility and the job title and salary that go with them, you will need to position yourself ahead of the crowd…in advance. At all stages of your career you need to sell

yourself, your ideas, your value, and your ability. To position yourself for promotion, learn what it takes to sell yourself and your ideas to senior management.

Patricia Fripp, CSP, CPAE www.Fripp.com, (415) 753-6556,

[email protected]

From the Editor: Enroll in educational and training courses — offered by your city, a

local college, or a networking organization (such as www.toastmasters.org) — to

improve or maintain your public speaking and communication skills.

Cutting Operating Costs in 2010These days, any company that isn’t looking

for ways to cut costs is looking for trouble. Although the recession has made every COO aware of the importance of saving money, it is surprising how often companies can overlook simple ways of improving their financial challenges. Attention, small businesses: It’s easier than you think to cut costs. Whether it’s the kitchen supplies in your home office or the toner cartridges inside your laser printers, there is an effective cost solution for nearly every expense out there.

Chuck Mache American TonerServ, [email protected]

From the Editor: For ideas on cutting your operating costs in 2010, read this issue’s

article on the “Top Three Green Savers that are FREE: Ways for Small Businesses to Save

Money Without Spending.”

Hostile Takeover of Your Own Company

As you walk into the office you can feel the Monday-morning blues from your staff sitting around the table. There’s no doubt most have not prepared for the week. Some have left their creativity at home this morning. Others have only prepared to cover their rears. The victim and the judge both are represented at the table. Here’s a thought… Fire them. Fire them all. Initiate a hostile takeover. Extreme? Of course it is. But so is the job market today. Extreme is the competition. Extreme is the economic state of the union. With a double-digit unemployment level that continues to rise, a credit crunch that suffocates the biggest and best, and a cash flow drain that can paralyze even the most efficient…it’s no wonder extreme measures are required...

Jim Fanninauthor, educator, platform speaker, life

strategist and sports & business consultant

We appreciate your feedback and work-from-home success stories for review and consideration. Please send both

via e-mail to: [email protected], or via postal mail to: HOME BUSINESS® Magazine,

20664 Jutland Place,Lakeville, MN 55044.

Connect with Customers in a Slow EconomyOnce-thriving businesses are struggling to survive in today’s slow economy. Many

are making spending decisions based on “What can I afford?” rather than “Where can I invest my money to make my business grow?” When payroll and other expenses take priority, the advertising and marketing budget is the first to go. Lacking the resources of large corporations, small and medium-sized businesses find it particularly challenging to keep their heads above water. In addition, they are struggling with lower-than-average sales, difficulty getting loans, rising interest rates, and the ever-present threat of increased taxes and government regulation. Most business owners know that the key to success in any economy, good or bad, is the ability to connect with customers. Businesses that are firmly established in the community will be in a good position to weather economic storms and will excel when the economy recovers.

CherryPlanet - www.cherryplanet.com

From the Editor: By connecting with your customers, your company gains repeat customers and repeat business.

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Continued on page 16

When you think about how to increase, even double the profits from your business, try

not to think of it as one overwhelming task. Think of it as a series of things you need to do. Whether you plan to start a home-based business in 2010 or you already own one, we at Home Business® Magazine offer you these 25 profit-building recommendations.

1. Decrease Business Start-Up CostsHere’s some good news about the

recession: Start-up costs tend to be reduced in a soft economy. Certain expenses end up being lower due to reduced demand. You might find that materials, licensing fees, franchise fees, the cost of buying an existing business, even marketing and advertising costs are lower than what they would be when the economy is booming. Many companies that serve business start-ups are willing to reduce their fees and costs without negotiation. Negotiate anyway, and push those costs down even further.

To maximize start-up cost reduction, create a spreadsheet of all anticipated costs. Keep track of each expenditure. Analyze each cost and look for opportunities to further negotiate these to a lower amount.

2. Create a Mobile WebsiteAccording to the Cambridge, Mass.-

based Forrester Research, Inc., four in five U.S. households now have a mobile phone, and eight percent of consumers own a smartphone such as a Blackberry or Apple iPhone. These numbers will only increase in the next few years, so make sure your business’s website can be viewed on these mobile devices. The traditionally configured website is not enough any more. Your mobile device configured website could be a simple landing page. Or you can configure Really Simple Syndication

(RSS Feeds) to pipe content to your website. For more information, visit http://homebusinessmag.com/mobile-device-website-advertising.

3. Launch a Mobile Website Advertising Campaign

The sweeping use of mobile devices creates a marketing challenge for your business. You have to reach a younger, more technically proficient demographic segment that does not read magazines, newspapers, or direct mail. These days they don’t spend significant time surfing websites, except for their pages on Facebook and other social media. This group communicates with handheld devices.

You can reach this target market by advertising at content-based mobile sites. Link the ads back to your mobile device website for your own abbreviated marketing presentation. Try running a custom banner ad, sponsoring a mobile site, or advertising on an RSS feed going to the mobile site. You can achieve a huge profit return on your ad investment, as these are new advertising media and the prices are often low.

4. RSS Feed AdvertisingOver the last year, the syndication of

website content through RSS feeds has really taken off. Savvy Internet surfers no longer waste time clicking through websites to see what interests them. Instead, they visit websites with content they want, and sign

up for RSS feeds, or updates, which they read from an RSS aggregator or through email on their mobile device.

You can send RSS feed advertising through text link ads and RSS banners. This is a form of advertising that is well below saturation levels, so you can obtain good ad value and response from a wide open market. New marketing prospects, relatively untouched by marketing messages, offer a high-probability way to increase profits in 2010.

5. Co-Op AdvertisingCooperative advertising is a technique

that businesses have used for decades. Traditionally, the term referred to when two businesses would share the expenses of an ad. Today, co-op advertising is more high tech. Now it entails pooling resources to get a single advertising message distributed through multiple media channels. The platforms include traditional print and Internet, email, mobile devices, RSS feeds, digital editions of magazines or television, and other media. This is driving advertising towards packages that group together multi-platform advertising. Leverage your limited budget to expand your marketing reach — and profits — by seeking co-op opportunities with other business owners in your industry.

6. Get Positioned with “E-Ink”Electronic ink, or E-Ink is book, magazine

and periodical content delivered to electronic readers (ERs) such as Amazon’s Kindle or Barnes & Noble’s Nook. Amazon announced that on Christmas Day 2009, more customers purchased e-books than printed books. Other companies will soon launch their own versions of these small touch screen gadgets. This is a profit-building medium that you cannot ignore.

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And that once people had been awarded these judgments... 80 percent of them were never paid.” This discovery couldn’t have come at a better time; Christina and her husband Terry were part owners of a carpet store and had amassed a large amount of debt. They had three small children and thought that by owning a store they'd have more money and time for their family. Initially it was an exciting time for them, but that dream quickly turned into a nightmare of debt and endless hours at work, as Christina remembers, "We accumulated monstrous debt. We were truly only a few paychecks away from being homeless." And then she learned about the big money in small claims. Christina focused on learning how to recover judgments for people. She says, "It was trial and error for six months to a year. I buried my nose in civil codes.” Christina contacted a number of small businesses in her area to see if they could use her services, and as it turned out, there was plenty of work for her. "These people were overjoyed to give us all of their cases to collect and were more than willing to let me keep 50% of what I collected for them," she says. In most cases, they had filed away their judgments a few years prior with no hope of ever collecting on them. Christina's business, Sierra Judgment Recovery, gets that money back. These people figured they'd never see any of that money again, so they're more than happy to pay Christina's fee. Another attractive aspect of this

service is there's no up-front cost to her customers. Any filing fees or costs incurred by Christina are reimbursed to her out of the judgment once it's collected. The customers don't have to pay anything out of their own pocket. From what she says, this is primarily behind-the-scenes work, which makes it an entirely non-confrontational business. She does everything through the court system from seizing debtor bank accounts, garnishing wages and other income, to placing liens on property. One year after starting the judgment recovery business, Christina and Terry closed the carpet store. Finally they could work at home and have money left over at the end of the month. They've been running Sierra Judgment Recovery for over 10 years and are bringing in a five-figure paycheck each month. And the most important aspect is they've got more time for their kids. “I can attend their events and my husband gets to go on field trips now - he's usually the only dad on them.” But the story doesn't end there. Christina wants to share her knowledge with others across the country as a home-based business opportunity. She has put together a judgment recovery training course. In addition, students have access to a National Network, which can be extremely helpful in cases where the debtor has moved out of state. Christina also includes unlimited support. The training course is on a home-study basis and it teaches

A Judgment Recovery Business is Hot and in Demand. Here’s how to start your own...

Have you ever watched Judge Judy or any of those mid-afternoon court TV shows where people sue each other for unpaid rent or

services? In many cases, Judge Judy slams down her gavel and barks orders at the defendant to pay up, but here's a little known fact: the court does not enforce that judgment. And that goes for non-televised court cases too. That's right, just because a judge orders someone to pay a debt doesn't mean that person is going to do it. Imagine if someone owed you a few thousand dollars and decided not to pay you, regardless of what a court of law ordered. Would you know what to do? Most people don't, so they wait in frustration for the debt to be paid. Christina Smiley, founder of Sierra Judgment Recovery and self-proclaimed opportunity junkie, learned how to profit from this little known market of unpaid debt by helping judgment holders collect. She explained there was virtually no one who was providing this service.

how to contact judgment holders to get their business, the steps to tracking down a debtor and sorting through the paperwork from the court. Christina's motivation for sharing this business opportunity with others isn’t to get money from sales of the course (a one-time flat fee of $185.00, she only makes enough to cover the cost of producing course materials): she wants to continue to develop the National Network of judgment recovery specialists. Anyone interested in a home-based business who really likes to do research could benefit from this training course, according to Christina. "This business is filling a true niche. It provides steady, predictable home-based income of $5,000 - $8,000 per month on average. There is no lack of customers and no foreseeable decrease at any time in the future," says Christina. If you’d like information on starting your own home-based judgment recovery business, register for their free guide at www.recoverycourse.com. You may also contact Sierra Judgment Recovery directly by calling them at (912) 882-8190 or email Customer Support at [email protected].

Christina Smiley

And that once people had been awarded these judgments... 80 percent of them were never paid.” This discovery couldn’t have come at a better time; Christina and her husband Terry were part owners of a carpet store and had amassed a large amount of debt. They had three small children and thought that by owning a store they'd have more money and time for their family. Initially it was an exciting time for them, but that dream quickly turned into a nightmare of debt and endless hours at work, as Christina remembers, "We accumulated monstrous debt. We were truly only a few paychecks away from being homeless." And then she learned about the big money in small claims. Christina focused on learning how to recover judgments for people. She says, "It was trial and error for six months to a year. I buried my nose in civil codes.” Christina contacted a number of small businesses in her area to see if they could use her services, and as it turned out, there was plenty of work for her. "These people were overjoyed to give us all of their cases to collect and were more than willing to let me keep 50% of what I collected for them," she says. In most cases, they had filed away their judgments a few years prior with no hope of ever collecting on them. Christina's business, Sierra Judgment Recovery, gets that money back. These people figured they'd never see any of that money again, so they're more than happy to pay Christina's fee. Another attractive aspect of this

service is there's no up-front cost to her customers. Any filing fees or costs incurred by Christina are reimbursed to her out of the judgment once it's collected. The customers don't have to pay anything out of their own pocket. From what she says, this is primarily behind-the-scenes work, which makes it an entirely non-confrontational business. She does everything through the court system from seizing debtor bank accounts, garnishing wages and other income, to placing liens on property. One year after starting the judgment recovery business, Christina and Terry closed the carpet store. Finally they could work at home and have money left over at the end of the month. They've been running Sierra Judgment Recovery for over 10 years and are bringing in a five-figure paycheck each month. And the most important aspect is they've got more time for their kids. “I can attend their events and my husband gets to go on field trips now - he's usually the only dad on them.” But the story doesn't end there. Christina wants to share her knowledge with others across the country as a home-based business opportunity. She has put together a judgment recovery training course. In addition, students have access to a National Network, which can be extremely helpful in cases where the debtor has moved out of state. Christina also includes unlimited support. The training course is on a home-study basis and it teaches

A Judgment Recovery Business is Hot and in Demand. Here’s how to start your own...

Have you ever watched Judge Judy or any of those mid-afternoon court TV shows where people sue each other for unpaid rent or

services? In many cases, Judge Judy slams down her gavel and barks orders at the defendant to pay up, but here's a little known fact: the court does not enforce that judgment. And that goes for non-televised court cases too. That's right, just because a judge orders someone to pay a debt doesn't mean that person is going to do it. Imagine if someone owed you a few thousand dollars and decided not to pay you, regardless of what a court of law ordered. Would you know what to do? Most people don't, so they wait in frustration for the debt to be paid. Christina Smiley, founder of Sierra Judgment Recovery and self-proclaimed opportunity junkie, learned how to profit from this little known market of unpaid debt by helping judgment holders collect. She explained there was virtually no one who was providing this service.

how to contact judgment holders to get their business, the steps to tracking down a debtor and sorting through the paperwork from the court. Christina's motivation for sharing this business opportunity with others isn’t to get money from sales of the course (a one-time flat fee of $185.00, she only makes enough to cover the cost of producing course materials): she wants to continue to develop the National Network of judgment recovery specialists. Anyone interested in a home-based business who really likes to do research could benefit from this training course, according to Christina. "This business is filling a true niche. It provides steady, predictable home-based income of $5,000 - $8,000 per month on average. There is no lack of customers and no foreseeable decrease at any time in the future," says Christina. If you’d like information on starting your own home-based judgment recovery business, register for their free guide at www.recoverycourse.com. You may also contact Sierra Judgment Recovery directly by calling them at (912) 882-8190 or email Customer Support at [email protected].

Christina Smiley

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Although many ERs do not have display advertising, you can still deliver messages through text. For example, a magazine issue would not have display advertisers, but it would have a list of E-Ink sponsors and websites included in the electronic versions. It is still early in this realm, and there are not a lot of E-Ink advertising opportunities yet, but for those who discover them, the profit building potential is enormous.

7. Home Business Legal OrganizationTake a look at your legal business

organization. Is your business an LLC, S-Type, DBA, or another structure? This is critical for new start-ups. Most home-based businesses, particularly the micro-size of one or two persons, are loose DBAs (Doing Business As) or partnerships. These can put business owners’ assets at risk. The main reason to incorporate or form an LLC is to protect your assets. There are also profit-building reasons to form one of these structures. They offer greater credibility for claiming legitimate business write-offs and tax deductions. When you’re trying to build profits, decreasing expenses and tax liabilities is as effective as increasing sales.

8. Unclaimed Home Office and Business Deductions

Now that you have your legal business structure intact, evaluate your business and office expenses. Make a list of all of your regular expenses, particularly the recurring ones. Set up methods to document how much of these expenses can be applied to business. Don’t wait until the end of the year to look at your expenses, because it may be too late to claim deductions. Expend the effort now to establish a bookkeeping system to identify these business expenses and compile the documentation. You’ll reduce your tax burden, increase your profits, and potentially keep yourself IRS audit-proof. Seek professional accounting and legal advice for tax matters.

9. Back-End Sales Online

Every business owner should diversify the business with back-end sales. This is easier than ever in the digital age. A back-end sale is a product or service that is closely related to your core business. You market it to your

business universe. The advantage of back-end sales in the Internet world is that these can be obtained at little or no cost beyond the product cost of sales. Often the only expenditure is what is required to configure an ecommerce order from.

Set aside some brainstorming time to review ways that you can grow or expand your product line in ways that complement your core business. The resulting net income you generate will convert to almost pure profit after taxes.

10. Diversify into a Related BusinessYou can even go beyond back-end sales.

Look for ways to diversify your existing business into a new business. This entails more risk, but it offers much greater potential for profit growth.

Seek out businesses that are closely related to your core business. For example, if you operate a home exterior restoration business, you could start a solar panel installation operation. The close relation between businesses makes it easier to

25+ Secrets to Double ProfitsContinued from page 14

“When you’re trying to build profits, decreasing expenses and tax liabilities is as effective as increasing sales.”



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11. Online Business Presentation & ChatMany business owners neglect to develop

an effective online sales presentation. This includes not only your marketing pitch, but

a complete description of services, options and answers to frequently asked questions. Most new business prospects want to research products or services online only. They don’t want to waste time going back and forth on the phone or email and waiting for a response.

You can increase long term profitability with a better, more comprehensive website business presentation. Take this connection one step further by configuring online chat,

so when someone has a question, they can communicate with you real-time when you are online, too.

12. Restructure Short Term Loans

Increasing profitability also depends upon getting your financial house in order. During the recession, few micro business owners have been immune from having to expand credit. Some credit lines, particularly more liquid credit cards, will be at interest rates that are higher than they were before, which can really cut into your profits. Look for ways to consolidate loans, to reduce interest expenses, and to increase profits. One option is to consider home equity, not to increase your existing credit liability, but as a rollover value for high interest debt you have already incurred. Increase profits by shaving off interest expenses.

13. Get Mobile Device ReadyThe most overlooked factor in generating

more profits is time. The more time you can free up to run a business, the greater will be your profits. This goes double for the part-time business owner.

“Every business owner should diversify the business with back-end sales.”


“Going Green” to Increase ProfitsBeing environmentally responsible could get you a contract with a government agency that is required to consider green attributes in their contract selection criteria.

On your website and online marketing presentations, highlight steps you’ve taken to go green, such as that you bought wind power offsets, your company vehicle is a hybrid or you saved trees by going paperless.

Put a green logo on your website.

In the not too distant future, profi ts will correlate directly to your degree of greenness.


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The best new way to increase your time available is to get “mobile device ready.” Link your personal information manager (PIM), such as Microsoft Outlook, and email to a handheld device that is Internet- and phone-ready. This will help you take advantage of opportunities for “mini-productivity” — responding to emails, returning phone calls, etc. — while on the go. Instead of being overcome by emails and events, use a mobile device to get organized and plan your day.

14. Calibrate Your Marketing PlanA big hit on profitability is haphazard

marketing, where you choose options to advertise and promote without any real plan. This leads to inefficiencies, and inability to achieve economies of scale.

A majority of small business owners do not have a viable marketing plan. Don’t make that mistake. A marketing plan is easy to configure and can be created in a matter of hours. Research the various media including online, digital, direct marketing, publicity, advertising, telemarketing, email, etc. Create a rough budget and timeline for different types of ads. Make sure your plan is comprehensive, and revisit it at least quarterly.

15. Take Time Each Day for Direct Sales or Business Development

The day-to-day of running a business can be o v e r w h e l m i n g . You might find yourself caught up in business operations, and not focus on business development. As a business owner, you also have to be a salesperson. Look at your to-do list that you loaded onto your mobile device PIM, and add one more task: working on personal direct selling. Establishing a daily sales routine will also create mental structure, making it easier as time goes on to go through the mental discipline of making sales contacts. Learn to structure times of the day to keep your prime time open for personal selling activities. There’s no better way to increase profits.

16. Account Expense Categorization ReviewAn excellent way to reduce expenses

and increase profits is to categorize your expenses. That means identifying expenses so they can be grouped under headings such as marketing, raw materials, phone bill, etc., so you can figure out which expenses to deduct from business income. More importantly, you make it easier for your accountant to understand your expenses and to maximize deductions when completing your annual business taxes.

Even if you’ve already started a business and set up a business checking account, you can still make these changes. If you use financial management software such as Quicken, that will make the categorization even easier.

17. Credit Line ReplenishmentCredit markets are loosening up.

Hopefully you don’t require additional credit right now for your business, but if you do, now is an opportune time to seek out and apply for fresh lines of credit. If you don’t need credit now, consider applying for a line so you can lock in lower rates. The best time to apply for credit is when you don’t actually need it, when your credit report and FICO score are at the highest levels. Later, if you do need credit and your credit background has taken a hit due to late payments or other setbacks, you might have to endure higher interest rates, or, worse, a rejection from the lender.

18. Computer Productivity IncreaseHow is the old computer doing? The

center of just about any business today is the computer. With most adequate desktop computer models available for under $2,000, the price is inexpensive in the big scheme of things. A computer slows down with time. If each keystroke takes a few milliseconds longer than it should, these bits of micro time add up to real time. If a new computer gained you a half hour of productivity each day, that would add up to six or seven days of extra time each year to build profits.

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“Look for ways to consolidate loans, to reduce interest expenses,

and to increase profits. ”

You can increase long term profitability with a better, more comprehensive website business presentation.




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If you don’t think you need a new computer, at least invest in a service that will clean up the operating system to minimize processing time.

19. Go Paperless NowNow’s the time to fully make the transition

to a paperless office. If you still receive invoices, statements, and business documents by mail, get your bank and other parties to email you these documents as PDF documents. Don’t print these, and don’t create a paper file. Instead, create a folder on your computer or your email program.

If you do have paper items, scan them into your computer, and create a “Scan File” so you can store these items electronically. Give the file a descriptive name so you can later find it with a simple Windows search.You’ll free up more time that you can put to better use selling and generating more profits, not thumbing through paper files.

A mobile device will help you take advantage of opportunities for “mini-productivity” — responding to emails, returning phone calls, etc. — while on the go.

“If you don’t think you need a new computer, at least invest in a service that will clean up the operating system to minimize

processing time. ”


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Though it is illegal to discriminate in hiring individuals who are forty years or older, recent studies reveal

prospective employers have been reluctant to hire older, jobless workers in these slow economic times because they believe they will have to pay them higher wages, or that they may lack updated job skills or for other reasons. As a result, many jobless, 55-plus persons have been compelled to become entrepreneurs and are successfully starting their own businesses to support themselves or to supplement their current job earnings or retirement incomes. If you are an older adult who is looking for a needed income opportunity and/or to fulfill an entrepreneurial dream, here are fifteen business ideas (and an additional ten in the sidebar) for you to consider:

**Please note: Professional associations are primarily networking organizations and generally do not provide start-up information. Include a business-sized, self-addressed, stamped envelope with any postal correspondence.

1. CONSULTING** Professional consultants are individuals

who have experience and expertise, and are recognized as authorities in their professions or industries. They are in high demand in both good and slow economic times as they offer clients advice to help solve problems and expand their businesses or expertise; or they may work in temporary positions as needed by their clients.

Success Tips: Market your services in specialty markets niches rather than as a generalist. Offer to talk to target groups and to conduct workshops at industry

conferences. Encourage referrals from satisfied clients; and utilize a web site to reach regular and potential clients with articles and e-newsletters. Build residual income in offering CDs, ebooks, video presentations, and other products related to your profession and consulting practice.

Suggested Resources *Association of Professional Consultants, http://www.consultapc.org/

*Get Clients Now by C.J. Hayden, MCC **See the Home Business©

Magazine article, “Getting Started as a Consultant” in the October

2009 issue.

2. CRAFTS-FINE ARTS If you have handmade products you

would like to sell as a business venture, conduct a thorough market research and testing at wholesale and craft shows to see if they have the profit potential that warrants your work and time. Subscribe to professional arts and crafts publications and groups for business and production tips. Refine your skills by enrolling in courses at art or craft centers.

Success Tips: Research competitors to see how your designs can stand out from theirs. Conduct trial sales on online auction and craft-selling sites to determine demand and pricing. Decide if mass-production or creating one-of-a-kind items is the best way to produce your items. Advertise in publications or through your web site or others to reach your best customers.

Suggested Resources

*The Crafts Report, www.craftsreport.com - arts-crafts business print

publication *The Crafts Business Answer Book by Barbara Brabec.

3. E-COMMERCE**With present online retail sales reaching

over 200 billion dollars and no signs of slowing down, it is an ideal time to consider selling a product or service using the Internet. Research your chosen e-commerce business idea(s) to see what you can offer that potential competitors cannot.

Success Tips: Test-market your products and services through online auctions and other sites offering low-cost stores, before launching full-time into a full-service web site with shopping cart software and credit card capabilities. Stay connected to paying customers through regular e-mails and e-zines; and providing excellent customer service with follow-up satisfaction queries. Attract new customers with print and media articles and ads.

Suggested Resources

*Start an Online Business, www.business.gov/start/online-business/

**See the Home Business© Magazine article, “25+ E-Commerce

Start-Ups” in the February 2010 issue.

4. FOOD SPECIALTIES The popularity of television food-

preparation shows has spurred the interest in learning how to cook foods of many local and ethnic cuisines. You may want to turn a dessert, condiment, or a special family recipe into a commercial product.

Success Tips: Previous cooking experience, especially in a commercial kitchen is recommended. Produce your product in your own licensed kitchen or a rented one. Take time to learn all that is involved in taking a food product to market from other food entrepreneurs and experts. Test-market your product at farmers’ markets or specialty food stores

25 BestRetirementBusinesses: Savvy Business Start-Ups for 55+ Individuals

By Priscilla Y. Huff

“Consultants are in high demand in both good and

slow economic times as they offer clients advice to

help solve problems…”

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Many 55-plus persons are becoming entrepreneurs and are successfully starting their own businesses to support themselves or to supplement their current job earnings or retirement incomes.



http://www.consultapc.org/

http://www.craftsreport.com

http://www.business.gov/start/online-business/


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before making a large monetary investment. Exhibit at food specialty shows to find distributors, or market and sell via the Internet.

Suggested Resources

*Food Entrepreneur Resources, http://foodsafety.psu.edu/processor/resources.htm *National

Association for the Specialty Food Trade, Inc., www.SpecialtyFood.com *Sell Your Specialty Food…

by Stephen F. Hall.

5. COLLECTIBLES’ APPRAISER-SELLERIndividuals, estate lawyers, non-profit organizations, and

collectors often need their antiques and collections appraised for their value for insurance coverage, to settle estates, or to price for selling. You can charge a fee for your written reports that evaluate your clients’ items’ true market worth, as well as provide the best selling avenues for them. You can choose to also be a consigner and sell clients’ items for a percentage of the sales.

Success Tips: Specialize in the items you prefer and have knowledge about. Join trade associations for further study, credentials, and networking opportunities. Learning how to detect imitations or fakes will add to your service’s marketability. Promote your services at shows, to auction houses, through referrals, by writing columns, and with a web site. Stay current with trends that affect pricing and the demand for certain items.

Suggested Resources

*Appraisers Assn. of America, www.appraisersassoc.org/ *www.kovels.com/ - site of antique and

collector experts and authors.

6. RADIO SHOWIf you are an expert in gardening, parenting, finances, or other

professions, you might consider hosting a radio show from your own home studio. Many entrepreneurs are also broadcasting a variety of programming with their own Web-based radio stations. Make money with advertisers and residual products of books, CDs, and other related products.

25 Best Retirement Businesses:Continued from page 20

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Stay current with antique and collecting trends that affect pricing and the demand for certain items.

“You may want to turn a dessert,

condiment, or a special family recipe into a

commercial product.”

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Success Tips: A background and/or experience in broadcasting and communications, as well as the technological know-how are essential. Increase your listening audience by offering to do regular spots on other stations, local outlets, or web sites’ shows, or at web conferences. Build your name recognition by writing articles and books and by speaking in your profession and industry until you can afford the equipment and funding to fully-operate your own program.

Suggested Resources

*Creating Powerful Radio: Getting, Keeping and Growing Audiences News, Talk, Information & Personality

Broadcast, HD, Satellite & Internet by Valerie Geller *http://radio.about.com/index.htm - information,

Internet radio.

7. MOVING SPECIALIST/COORDINATOR If you are well-organized, have good people skills, and have

an active network of other professionals with whom you can partner, consider starting a moving-specialty and coordinating service. Potential customers might include seniors who are downsizing; business executives and military families who are moving across the country; and other individuals who do not have the time to handle all the integrated tasks that moving one’s household involves. You may also specialize in moving livestock, boats, machinery, antiques, pianos, or fine art for businesses and organizations.

Success Tips: Previous experience in the moving industry or certain products is helpful. Have the necessary insurance (liability, bonding) and any licenses and certifications needed. Add services such as shipping items; contacting utility companies; assisting with change of address notifications; taking items to auctions; staging homes for sale; organizing new spaces, and the coordination of arrangements that lead to a well-orchestrated move for your clients. Attention to detail and having caring, courteous help and consideration, will foster satisfied clients and their referrals.

Suggested Resources

*American Moving and Storage Assn., www.moving.org *How to Survive A Move by Hundreds of

Heads (series).

8. PROFESSIONAL SPEAKERIf you enjoy speaking to groups and have a presentation

that will inspire, teach, or relay a compelling story or events that appeal to your particular audience, you can consider speaking on a professional basis. Most successful speakers start part-time while working in their professions, giving workshops and keynote speeches and perfecting their presentations over several years until they earn enough to become full-time professionals.

Success Tips: Join local or national chapters of speakers’ organizations to get feedback and tips from professional speakers to improve your speaking and delivery skills. Offer to speak at local organizations, colleges, and business


If you are an expert in gardening, parenting, finances, or other professions, you might consider hosting a radio show from your own home studio.

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groups and to get referrals for more engagements. Concentrate on delivering what your audience wants to hear and caring about their interests.

Suggested Resources *The National Speakers Assn., www.nsaspeaker.org/ *Toastmasters

International, www.toastmasters.org/.

9. RENT-A-GRANDPARENT If you love children and being a

grandparent or wish to be one, you can advertise your services to baby-sit children on special occasions; assist new mothers and fathers in caring for newborns in their homes; attend special events or vacation with families; or carry-out additional activities or tasks associated with being a grandparent.

Success Tips: Complete background checks and clearances that you may be required to have to work with children.

Experience and/or education credentials and an understanding of the ages of the children with whom you are working are important to be a success. Market your services through local family publications and referrals from families or social organizations.

Suggested Resources

*www.Grandparents.com – resource site with activities, advice, product

reviews. *The Grandparent Guide…by Arthur Kornhaber, founder,

www.Grandparenting.org.

10. REPAIR SPECIALISTTake advantage of the growing “Green”

movement as yesterday’s throw-away

society is changing to one of recycling, and reusing by offering to repair quality specialty items from vintage clocks and jewelry, to musical instruments, bicycles, old toys, and even designer shoes. Set-up areas in a refurbished garage or outbuilding where customers can pick-up or drop-off items; or offer to pick up and deliver repaired items for them.

Success Tips: Apprentice with experts to gain additional skills. Conduct preliminary research to see if a potential, paying market exists for your services. Advertise in local classified

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ads newspapers or free, regional online classified ad sites, and with your basic web site. Place business cards in retail stores selling these items, new or vintage. Encourage customer referrals.

Suggested Resources *www.Business.gov/ - U. S. business start-up information portal

*www.SCORE.org/online_workshops.html - online business

development workshops.

11. SPECIALTY DRIVING SERVICE If you like people and have a good

driving record, consider starting a specialty driving service, focusing on transporting children to and from after-school activities; picking up and delivering people to public transportation centers and night-time events; taking seniors to medical appointments; or even driving pets to groomers or veterinarians.

Success Tips: Fulfill all commercial licensing and insurance and business regulations; as well as any required background security checks. Conduct surveys to determine what types of transportations are needed most in your area.

Suggested Resources *Starting a Driving Service For Pleasure and Profit (Business eBook

Reports) by Dana Carter.

12. AUDIO-VIDEO PRODUCTION SERVICESMulti-media specialists consult with

business owners, agencies, organizations, and professionals to create videos, CDs, DVDs, audio tapes, and other related products for staff training, sales promotions, presentations at seminars, trade shows, or workshops; and also film for television, documentaries, and video for web and social marketing sites. Check with local colleges or technical schools for related courses if you need additional skills.

Success Tips: Experience and operating knowledge of the latest computer and equipment technology are required. When starting out, lease or rent equipment to save money, and determine what is the best for your project. Network with others in your industry to find an open market niche in this highly-competitive line of work. Partner with other entrepreneurs to provide a total package tailored to your clients’ needs.

Suggested Resources *Videomaker Magazine, www.videomaker.com *Web site:

www.VideoUniversity.com/.

13. SPECIALTY FARMINGFear of food-related illnesses, toxic

chemicals from fertilizers and contaminated water, and a demand for healthier meals, are all creating a demand for natural foods and beverages. Organic and natural growers sell to local consumers, eating establishments, and institutions and through online and mail order venues, depending on the produce or products. Eating establishments and grocery stores are also looking for fresh foods and antibiotic-free eggs and meats.

Success Tips: Research the potential markets for your products, and test buyer responses at local farmers’ markets and trade shows. Enroll in courses offered by agriculture colleges and county extension offices. Join local growers’ or farmers associations for tips and networking opportunities.

Suggested Resources *Backyard Market Gardening by Andy, W. Lee, Patricia, L Foreman

*USDA’s Extension Services, www.csrees.usda.gov/Extension/ - local

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Armando Montelongo wasn’t always the brash, wildly successful real estate mogul presented weekly on

A&E’s “Flip This House.” Five years ago, his family’s unexpected medical problems left him unemployed, broke, with poor credit, and $50,000 in debt. They borrowed $1,000 to move from his in-law’s garage on a cross country adventure to start over in San Antonio. Within two months, he flipped his first house and hasn’t looked back since. Home Business® Magazine recently spoke with Armando about his secrets for turning over a quick profit.

Home Business Magazine (HBM): What are the top principles you’ve learned about quick profitability that can apply to any home-based business?

Armando Montelongo (AM): Without much education, you’ll lose tons of money and you won’t be successful. Find a mentor who’s been incredibly successful. There are really multiple parts to any business. With real estate flipping, there’s buying at the right ratios, fixing them up, and making sure you’re not

spending all your time doing any one thing. It is about balance. Eighty percent of your time needs to be about buying properties.

HBM: What mistakes do most home-based entrepreneurs make when it comes to making a quick profit?

AM: It goes back to thinking they know the answers, but the system has the answers. It is the answers. Also, never get greedy. I see this happen so much. People try to eke out every dime of payables or receivables. Remember your overall strategy. Don’t be penny wise and pound foolish.

HBM: It’s currently a “buyer’s market” in real estate. How can entrepreneurs make a profit when their industry is stagnate or in decline?

AM: If it’s a buyer’s market, there are still people buying. At a time when it’s a recession, the average person works 70 percent less. If you work 30 percent smarter, you’ll do better than the competition. I have seen so many people just go and shut it down and throw their hands up and say, “Oh, I can’t do well.” They lose their focus. All money making is a head game, and not about the circumstances around you. I’m so huge on having mentors, because they’ve already been thru these circumstances.

HBM: After turning a profit —what’s next? AM: It depends upon how big they want to

go. For me, once it’s turning a profit, it’s about systemizing. We “whiteboard” our entire business every six months. We see what we’d change if we were restarting our business right now. It keeps customers incredibly happy. We work on what we can do to make it more profitable and keep our students happy. It works amazingly. Focus on the systems.

HBM: How important is networking when it comes to making money?

AM: Networking with productivity is

everything. You get way too many people who go out there and entertain themselves by networking and being part of an association under the illusion that they’re going to make more money. Be very careful about that. I’m not big on associations, but spending time with people who have more money than I do.

HBM: You practice Tae Kwon Do and as with any martial art, success depends upon a positive attitude and consistency. How do you apply those principles to business?

AM: There are no problems, only challenges and you look forward to those challenges. Most people won’t ever figure them out. It goes from “I’m going to have a positive attitude” to becoming who you are. Some people have to fake being positive, and there’s nothing wrong with that as long as you’re not deceiving people. It’s a habit you have to practice.

HBM: As their companies grow, how can home business entrepreneurs effectively delegate to employees and/or contractors?

AM: The control factor is hardest. No one wants to lose control. Any successful person will have a sense of control. I’ll slow my business down and make sure everyone is properly trained, and then I feel comfortable in letting go. I’ve come to a point where I know what I’m good at. I’ve focused on my realty business that makes me the money. What makes money in this business is being creative. Everything else is leveraged out.

Deborah Jeanne Sergeant writes from her home office in Wolcott, N.Y., penning trade and consumer articles and corporate marketing materials. Her web site is www.skilledquill.net. For more information visit www.homebusinessmag.com and click the Newsstand >> Interviews Channel.

Armando Montelongo — Real Estate Mogul and Host of A&E’s “Flip This House” — Shares Secrets for Turning Over a Quick Profit

By Deborah Jeanne Sergeant

“Never get greedy… People try to eke out every dime of payables or receivables.”– Armando Montelongo,

www.armandomontelongo.com.”

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According to Armando Montelongo, “All money making is a head game, and not about the circumstances around you.”

Fast FLIPS Bring SUCCESS

About Armando MontelongoArmando Montelongo, his wife, Veronica, and their son, Armando, 11, live in San Antonio. The couple head Montelongo House Buyers and star on “Flip This House,” seen Saturdays at 11 a.m. (10 a.m. CST) on A&E. Montelongo also presents educational seminars on how to succeed in real estate fl ipping, and he sells a home study course and e-book on the subject at www.armandomontelongo.com.

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DSurvey Shows Small Business Employee Preferences on Medical Advice Saving on Medications Tops List

It’s no doubt that Americans are looking for ways to save on health care costs. CIGNA recently issued the results of a survey of consumers across the country that found that employees

at small companies (250 or less employees) are more likely than those employed by larger companies (251 or more employees) to look for ways to save money on prescription drugs. The same study found that 60 percent of consumers are willing to spend 30 minutes on a site comparing health costs and services if it will save them $100. Yet, only 40 percent say that they have actually compared prices for their prescriptions, even though switching from a brand name drug to a generic drug can save $200 per year on average per prescription. Additional survey findings include:

■ Employees of smaller companies are more likely than those employed by large employers to ask their doctor (65 percent) and pharmacist (61 percent) for ways to save money.

■ Compared to those employed by larger companies, people who work at smaller companies are also more likely to ask their physician for the most cost-effective drug.

■ Regardless of the size of their company, men are more likely (43 percent) than women (30 percent) to take what their doctor tells them to without asking questions about generic alternatives.

CIGNA offers several tools and tips to help people make better and more informed health choices and save on health care. Visit www.cigna.com/learn4yourhealth.

Nation’s Women-Owned Firms Carry Water Contributing Nearly $3 Trillion to U.S. Economy

Women-owned businesses contribute nearly $3 trillion to our national economy and create or maintain 23 million jobs according to new research conducted by

the Center for Women’s Business Research and funded by the National Women’s Business Council and Walmart. This report, “The Economic Impact of Women-Owned Businesses in the United States,” adds to the current understanding of the economic contributions of women-owned firms that to date has relied only on number of firms, revenues and direct employment. For the first time, this research provides a much more comprehensive picture of the total economic impact of women-owned firms, including the impact of the businesses’ purchases AND the purchasing power of their employees and suppliers. Major findings include:

■ Approximately 8% of the total labor force work directly for a woman-owned firm.

■ If women-owned businesses were their own country, they would

Is Multi-Tasking Hurting Small Business?Main Street Insights from SurePayroll

When times are tough, small business owners face more pressure to pick up the slack and find ways to do more with less. According to a recent survey conducted by

online payroll provider SurePayroll, business owners are multi-tasking to address the challenges of the current economy, keep customers happy, and keep their businesses running smoothly.

The survey found that 88 percent of small business owners think multi-tasking is now a key component in running a successful business that business owners should embrace. Indeed, 56 percent of respondents indicated that they often handle three or more tasks simultaneously. SurePayroll attributes the increasing tendency to multi-task to current economic conditions that force businesses to produce the same output levels with fewer resources.

Despite the widespread acceptance of multi-tasking, one in four small business owners report that multi-tasking in some way hinders their working ability. Multi-tasking skeptics cited everything from decreased quality in work, tasks taking longer than in the past, and becoming burned out more quickly:

According to SurePayroll President Michael Alter, business owners can avoid feeling overburdened with tasks by getting organized and finding ways to eliminate unnecessary processes. Instead of going out alone and trying to be everywhere at once, Alter suggests these methods for cutting down workload stress:

■ Make a prioritized list of tasks.■ Outsource business operations to save time and money.■ Take advantage of down time — relax and get recharged.■ Let others help with the business’s daily operations.

SurePayroll’s service and team members are dedicated to providing an

easy, convenient online payroll service at a price small business owners can afford. For more information, you can visit http://www.surepayroll.com, call 877.954.7873 or follow us on http://twitter.com/SurePayroll.

A recent survey finds most small business owners are multi-tasking more than ever, but some say it’s leading to lower quality work.”


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Growth in the Baby Boomer Industries: In-home senior care is doing very well. They are mostly under 100k, and they have a product that many people need, not just want. There is demand for this product, and the supply (number of concepts) has increased more than any other industry that we have in the last two years. These, too, have increased their spending with us. The best example is Right at Home.

By Garth Snider, President of FranchiseOpportunities. At FranchiseOpportunities Network, we identify, create and distribute valu-able information regarding franchising and small business opportunities. Visit www.franchiseopportunities.com.

For more information visit www.homebusinessmag.com and click the News Channel.


Research provides a much more comprehensive picture of the total economic impact of women-owned firms.

have the 5th largest GDP in the world, ahead of countries including France, the United Kingdom, and Italy.

■ If women-owned businesses were their own country, they would have a greater GDP than Canada, India and Vietnam COMBINED.

■ Industries where women-owned businesses have the highest revenues include professional, scientific, technical services; retail, wholesale; business services; communication, media; and administrative, support, waste remediation.

For more information on The National Women’s Business Council, visit www.nwbc.gov. For more information on The Center for Women’s Business Research, visit www.womensbusinessresearch.org.

Franchise Trends StrongFuture Projections for 2010 and Beyond

Best Performing Franchises of 2009: Franchises that have an “all-in” cost below $100k are far and away doing

the best. These concepts are less likely to need financing and thus are more in demand. Businesses that can be run from home and/or run as a second source of income are also doing very well. Vending concepts are very popular right now as well as they fit both of these profiles.

Popularity vs. Profitability: There is still a lot of interest in the food franchises, but the entry point is prohibitive for many given the credit crunch.

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Every business needs a cost-effective way to keep their names, their products or their services in front of their prospects

and customers. For many business owners, publicity is the key to such recognition and awareness. When done correctly, publicity develops your name recognition, gives your business instant credibility, and ultimately leads to increased sales. And best of all, publicity is absolutely free.A thorough internal and external assessment is a starting point, bringing together the company’s

communications needs and how they relate to competitors’ movements. Those elements help with the visualization of several opportunities to convey messages at a reasonable cost, in very efficient ways.

Publicity can come from anywhere and in many different forms. It can be as simple as having your product reviewed by a blogger, or as dynamic as having your company’s name

splashed across the headlines of a magazine or newspaper. Unfortunately, because of the many myths that shroud the concept of publicity, many business owners fail to seek it out.

Before you can get your business the publicity it deserves, you need to separate the PR facts from the fiction. Below are the most common publicity myths and the truths behind them.

MYTH #1 – I NEED TO OWN A “BIG” BUSINESS TO GET THE MEDIA’S ATTENTION.

While it’s true that big business names are common in magazine and trade journal articles, the fact is big business makes up only a small percentage of the American economy. Most readers know the big business names, but they often can’t identify with them or their challenges. That’s why many magazines and trade journals are eager to hear the opinions and perspectives from owners of small and medium-sized businesses. So whether you’re a solo entrepreneur, a franchise operator or a family business owner, find out what the reporters want and then enthusiastically give your slant on the topic.

MYTH #2 – MY BUSINESS WILL BE A HOUSEHOLD NAME FROM ONE BIG HIT.

Getting mentioned in or interviewed by a major national publication with a circulation of over one million readers is certainly impressive. But will such a stroke of luck make your business a household name? Not likely. To become a household name, you need to develop “top-of-mind awareness.” What is top of mind awareness? It’s when people think

7 Publicity Myths THAT CAN Hurt YOUR BUSINESSSeparate The PR Facts From The Fiction

By Pam Lontos

When done correctly, publicity develops your name recognition, gives your business instant credibility, and ultimately leads to increased sales.



It used to be that the only way to be a celebrity was to be on TV, in the movies, or to do something completely lame. However, over the last decade, a new kind of celebrity has emerged — the expert celebrity. These are people who are absolutely at the top of their professions, and find a way to use the media to offer their expertise to the masses. In today’s world of specialty

programming on TV and radio and with the explosion of web marketing, online media and social media marketing — becoming a celebrity is no longer just for the A list of movie stars and recording artists we normally think of. If you’re in business and are focused on expansion, there is no better way than to become a celebrity expert in your field.The first step that many experts take

to establish their celebrity is to write a book about their area of expertise. In order to be successful, experts should ask themselves five questions before putting pen to paper:

1. What message am I enthusiastic about that I want to convey?

2. Who can benefit from it? 3. How will it help them?

4. Why am I the one to bring this idea to them?

5. How can I make my points unique and different from what has already been said on the topic by others?

You must “zero-in” on the one singular, unifying idea that excites and energizes you — the one that urges you to get out of bed every morning — the one that defines who you are and what you represent. This one central idea will be the driving force behind every single work within your book. Success in today’s world requires

business leaders to market in a way they may never have done before. They need to rise above their competition, and become THE ‘go-to’ guy in their field, the recognized expert people want to deal with. The credibility that comes with this recognition can build a business or turn one around that’s failing. Marsha Friedman is a prominent business woman who has run her company successfully through prosperity and adversity, ironically having one of her best revenue years in the midst of 2008’s recession. She is the author of Celebtritize Yourself from Warren Publishing (www.celebritizeyourself.com). As a radio personality and public speaker, Marsha can be heard every week on the nationally syndicated talk radio show “The Family Roundtable” where problems that modern families face are discussed.

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of you first to fulfill their product or service needs. It’s when publications of all sizes quote you and publish your articles. It’s when customers and prospects say, “I’ve seen your company everywhere.” Most important, it’s when people purchase your products or services because they know your company’s name and they perceive you as the marketplace leader. The only way to get top-of-mind awareness (to become a household name) is through constant exposure in a variety of publications, not just one big placement.

MYTH #3 – I NEED TO USE BIG WORDS TO IMPRESS THE INTERVIEWER.In most cases, the person interviewing you, as well as the

publication’s readers, are not as intimate with your industry as you are. Therefore, they need the information you give them to be understandable and at a layperson’s comprehension level. The best approach is to avoid speaking with industry jargon or using techno-terms. Instead, speak as if you were explaining something for the first time. The simpler you can make your information, the better your chances of being quoted as the expert source.

MYTH #4 – I NEED A UNIQUE THEORY OR INSIGHT.While you don’t want to rehash old news, there’s no need

to rack your brain for a totally new theory or perspective. The best approach is to present your findings, opinions, or topic of expertise in a new light — one that may be close to someone else’s, but that catches the reporter’s or editor’s interest. Perhaps you have information that can refute a recent claim or shows how a current business challenge is affecting the publication’s target readership. When you simply put a new spin on a current theory or insight that interests the publication’s readers, reporters will want to present your findings.

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7 Publicity Myths That Can Hurt Your BusinessContinued from page 30


“…whether you’re a solo entrepreneur, a franchise operator or a family business

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Make yourself stand out as a reliable information source and you will get the media’s attention.

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MYTH #5 – I CAN’T GET MY BUSINESS INTO THAT PUBLICATION.It’s common for small and medium-sized business owners to

feel intimidated by the big name publications. They envision high-powered magazine editors schmoozing with big company CEOs and lining up interviews with well-known figureheads for the next six months. In reality, editors scramble daily to find people to interview who have knowledge on the latest trends and topics. Realize, too, that editors must find new and exciting people to interview either weekly or monthly, so the more knowledgeable people they can add to their database, the better. Make yourself stand out as a reliable information source and you will get the media’s attention.

MYTH #6 – SMALL PUBLICATIONS DON’T MATTER.Small publications are just as important as the big ones. Why?

Because you never know who reads them. You may think that a magazine with a 10,000-15,000 circulation could never get your business the kind of publicity you want, but what if half of those readers were your target customers? Even better, what if your interview or article in a small publication prompted an editor from a large publication to call you? So target small publications as well as the large ones. As long as your information is interesting and accurate, you will gain more attention and get the publicity you need. Digital and online circulation of print magazines can greatly increase traditional print circulation.

MYTH #7 – I DON’T NEED PRINT PUBLICITY NOW THAT I HAVE PROFILES ON SOCIAL MEDIA SITES.

Don’t assume that you can abandon traditional PR tools just because you start having some success with social media marketing. It’s a useful and inexpensive element of publicity, but you also need the credibility and marketing from other traditional tools, such as print publicity in newspapers and magazines. In addition, some online reputation sites will give you a lower ranking if you don’t have anything in the “real world.” Just remember, you still need media exposure and a physical presence, in addition to your online presence.

Getting publicity is the best way to promote your business. And when you know the facts of the PR business, you can attain the publicity you need easily and then use it to your best advantage. With a constant stream of good publicity, your business is destined to grow.

Pam Lontos is president of PR/PR, a public relations firm based in Orlando, Fla. She is author of “I See Your Name Everywhere: Leverage the Power of the Media to Grow Your Fame, Wealth and Success” and is a former vice president of sales for Disney’s Shamrock Broadcasting. PR/PR has placed clients in publications such as USA Today, Entrepreneur, Time, Reader’s Digest and Cosmopolitan. PR/PR works with established businesses, as well as entrepreneurs who are just launching their company. For a free publicity consultation, e-mail [email protected] or call 407-299-6128. To receive free pub-licity tips, go to www.PRPR.net and register for the monthly e-newsletter, PR/PR Pulse! For more information visit www.homebusinessmag.com and click the Marketing >> Publicity Channel.


When you simply put a new spin on a current theory or insight that interests the publication’s readers, reporters will want to present your findings.

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When the ball dropped on 2010, many people made resolutions to make this a year of financial

success. Whether this means brokering new business relationships, increasing your current client base, or even reaching a new demographic of clientele, your resolution will no doubt require you to network more efficiently.

However, networking has changed a great deal in the last few years. Meeting up and “doing lunch” is still a beloved practice, but it has taken a back seat to other forms of communication, such as online social networking. Through online social networking, you can reach hundreds, if not thousands, of potential contacts and clients, all with the click of a mouse.

Indeed, thanks to online social networks such as Facebook, Twitter, and LinkedIn, networking has never been easier or more efficient. However, choosing between these 3 valuable sites can be complicated — but no one wants to waste valuable time and energy trying to navigate all three.

For home business owners, LinkedIn is generally the best bet. Here’s why:

■ It brings the separation gap from 6° to 2°. LinkedIn not only allows you to connect with people you know, but it shows you the degree of separation between you and others you are not yet connected to. This allows you to discover who your connections are connected with, and many times they’re just the people you need to know!

■ It allows you to reach the white collar crowd. When you’re using social networking to build your home business, LinkedIn is the best tool because it is used by so many white collar workers. This helps you not only reach a large audience, but your target audience.

■ You can easily find people you know through school and work. Because the profile includes an extensive area to profile your school and work

experience, it’s a great way to re-connect with people you’ve lost touch with along the way and someone you went to college with could now be your ideal business partner!

■ You can use it to get quality introductions. LinkedIn has a very unique tool that allows you to ask people you are connected with to connect you with people they know in a professional way. A quality introduction like this is a great way to get your foot in the door and gives you more credibility than a cold call would.

If you are new to LinkedIn and aren’t sure where to start, consider the following pointers:

MAKE A GAME PLAN Understand what you are looking to

accomplish before beginning — many people jump into using social media without a plan. If you are looking for more sales, be sure to create a large but focused network within the LinkedIn site. Going in blind is never a good idea.

LEARN THE LAYOUTTake an hour to go through the LinkedIn

tutorials or attend a seminar — in less than two hours, you should be able to find

a tutorial or explanation of LinkedIn to be sure you save valuable time down the road. You don’t want to realize too late that the way you are using LinkedIn is just a waste of your time.

KNOW THE TRICKS There are three keys to being effective

on LinkedIn. First, create a complete and sophisticated profile. Second, have a strategy for building your network. Larger networks provide more contacts, but they may not get you in the door as well as a tighter group. Third, use the advanced search tool to target the industries or companies that will get you the best results in less time.

In today’s information era, the Internet is a crucial part of every business success plan. If you don’t utilize the Internet and online social networks, you are missing out on free, easy ways to expand your client base in as little as 30 minutes.

Sales Results is an elite provider of sales coaching and business networking all about results. Their clients know that effective coaching is the best investment they can make in their careers, and Sales Results strives to maximize that ROI (return on investment). They work with entrepreneurs, sales teams, and business professionals who aspire to the highest standards and practices of business development in their chosen industries. They offer sales instruction and support as well as networking events and development workshops. Their experienced and supremely dedicated sales coaches lead by example. All boast impressive track records in sales, management, and business development and inject a great deal of humanity into the sales coaching process. For more information, please visit www.salesresultsinc.com.

For more information visit www.homebusinessmag.com and click the Marketing >> Internet Marketing Channel.

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Zeroing in on Profitable PartnersBy Sue Anderson-Lenz, Marketing Lure, Inc.

How to Build a Service-Based Business through PartnersPartners

There is an old saying in marketing and sales: People do business with people they know, like, and trust. That’s fine

for tangible products where customers can “kick the tires” before buying, but what can a service-based business do to gain the trust of someone who really has no idea how the product will turn out?

Two ways to overcome the trust issue are with guarantees and testimonials. But even then, you are asking prospective customers to trust unknown endorsers, and you, that you will stay true to your word. A far better way to break down the trust barrier is through business partnerships. Look around, and you will find many examples of service-based partnerships in everyday life:■ Airlines partner with hotels and car

rental agencies;■ Real estate agents routinely refer home

buyers to inspectors;■ Doctors and hospitals refer their

patients to other doctors for specialty or follow-up care;

■ Landscapers and tree trimmers work together on projects; and so forth.

Service-based partnerships work because the buyer trusts the business making the referral. As a result, customers are more

inclined to trust the new business, too. Business partnerships get your name in front of a bigger audience of buyers. They help expand your reach into new markets or geographic regions. They can open up the door to bigger, better projects, and the return on investment can be phenomenal when partners act as advertisers.

In general, partnerships can be divided into four categories. As you progress up the partnership pyramid, the level of commitment increases in-line with the likelihood of success and benefits gained. Let’s briefly examine these four partnerships in detail.

ASSOCIATIONSAssociations are relationships that you

develop through daily contacts. Minimally, associations serve as connection points that give your business greater exposure through the people that you know. The Chamber of Commerce and trade associations are two ways to connect with other businesses. Since many groups publish their membership lists, they also help get your business name on the Internet.

Social networking sites like LinkedIn, Xing, and BizSugar also give you Internet exposure, and you can demonstrate your expertise through conversations with other members. Or, you can join Business Matchmaking and meet actual buyers in regional, speed-dating-like events.

In all cases, there is little investment, trust, or commitment to get involved. It is likely that you will get more leads through your associations, but don’t count on personal endorsements. For this, you need to develop higher-level partnerships with individual businesses.

SUBCONTRACTING PARTNERSHIPSNext in the pyramid, subcontracting

partnerships can be a great source of steady work. In this type of relationship, the contractor takes the lead and is

responsible for earning the customer’s trust. Subcontractors in turn, must earn the contractor’s trust.

When the partnership works well, the subcontractor benefits from the contractor’s marketing efforts and good reputation. Likewise, the contractor benefits from more projects, customers, and money.

The contractor, however, may want to protect their reputation by requiring that the subcontractor work through them. If that’s the case, there will be few opportunities to establish relationships with customers.

Relying exclusively on subcontracted partnerships can be risky, too. When business is slow, contracting partners may opt to do the work themselves rather than outsource, and if their jobs dry up, yours do, too.

REFERRAL NETWORKSReferral-based partnerships eliminate

some of the baggage mentioned above. In this type of arrangement, businesses refer partners when one of their customers is in the market for a partner’s services. Partners operate independently, which gives both businesses the opportunity to establish their own reputations.

Customers initially trust the new business because they trust the referral partner. The referred business subsequently earns the new customer’s trust and builds their reputation by the work they perform.

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PartnershipsPartnerships can be divided into

four categories. As you progress up

the partnership pyramid, the level

of commitment increases in-line

with the likelihood of success and

benefi ts gained.

Service-based partnerships can open up the door to bigger, better projects, and the return on investment can be phenomenal when partners act as advertisers.

“As you progress up the partnership pyramid, the level of commitment

increases in-line with the likelihood of success and benefits

gained.”

Strategic Alliances

Referral Networks

Subcontracting Partnerships

Associations



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Still with most referral networks, there is minimal incentive to refer partners, and the relationship can become lopsided if one partner does most of the referring.

STRATEGIC ALLIANCESAt the top of the pyramid, strategic alliances can be the hardest

to achieve, but hold the greatest promise in terms of real business growth. Ideal partnerships complement and leverage each other’s core strengths. For the partnership to work, both must share a common vision. What should be accomplished, what is valued or of interest, and what is required or expected from the partnership should be clear to both parties.

Customers win because the partnership creates a better product, better customer experience, or increased value. Partners win because together they can take their combined services into new markets, acquire bigger projects and customers, or leapfrog over competitors.

Recognized as “one of the smartest strategies for competing in the government market,” Teaming USA is a relatively new resource that helps small businesses forge strategic partnerships to win government contracts. You don’t need an organization like Teaming USA to form strategic alliances, but all successful partnerships require a strategy.

SECRETS TO SUCCESSIn terms of partners, there is no one formula for success. You

can have any number of partners and types of partnerships depending on your goals. However, the strongest partnerships have three necessary ingredients: ■ The partnership is mutually beneficial for both parties;■ Partners complement each other, that is, each partner brings

unique value and skills to the partnership; and■ Both partners work in the same industry or serve the

same customers.

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Partners win because together they can take their combined services into new markets, acquire bigger projects and customers, or leapfrog over competitors.

“Once you know what you want, what you

bring, and what your ideal partner looks like, it’s

time to start your search.”

How to Build a Service-Based Business through PartnersContinued from page 36

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STRATEGIZE FIRSTBefore you embark on a partnership search, first prioritize

your goals. For example, are you purely interested in more jobs, wanting more leads, or wanting a partnership that will help you establish your own reputation? Next, list out what things (skills, values, and/or benefits) you will bring to the partnership.

Third, create a profile for your ideal partner. One way to do this is by figuring out where your services fit in the ecosystem. Think about what’s going on in the customers’ lives at the time when they need your services, and what customers typically do immediately before and after they hire you.

If, for example, you own a dog kennel, chances are the first thing your customers do after they pick up their dog is give it a bath. By partnering with a groomer, you and your partner can make extra money doing something your customers would otherwise have to do themselves.

LOOK BEYOND THE OBVIOUSTo uncover richer partnership opportunities, think outside of the

box. Using my own writing services as an example, my obvious partners are marketing and public relation agencies. They can be great sources of work. However, since most marketers are willing and able to create their own content, my value to them is limited.

Alternatively, I could partner with e-mail marketing vendors that serve customers by distributing e-mails and managing their contact lists. Normally these businesses do not assist with content creation, which creates a gap that a marketing writer like me can fill.

The partnership is a win-win because the e-mail vendors win with a way to attract customers that do not want to do it themselves, and I win because the partnership gives me access to more customers.

WORK TO GAIN TRUSTOnce you know what you want, what you bring, and what

your ideal partner looks like, it’s time to start your search. Network with people you already know through your associa-tions. If nobody fits your ideal partner profile, figure out where ideal partners would hang out and get involved.

When talking with prospective partners, don’t just talk about you. Highlight the benefits you’ll both gain by partnering, volun-teer your services as a way to prove yourself, and suggest a few small projects to test the partnership.

INCENT IF NECESSARYIf you stand to gain more from a proposed partnership, or just

want to “grease the wheels,” don’t be afraid to offer incentives. Two simple ways to encourage partners are to give them money for their referrals, and to create special discounts that they can pass on to their customers.

Business partnerships have been around for centuries, and with good reason: Partnerships are some of the best ways businesses of any size can grow customers and revenue. Sites like Teaming USA, business schools, and books are wonderful resources to tap for advice. Ultimately though, success hinges on two things: your ability to find great partners, and to be a great partner.

© Copyright 2010 Marketing Lure, Inc. Software director turned high tech writer, Sue Anderson-Lenz leverages her 23+ years as a marketing target to create clear, credible marketing material and websites that drive people to act. Visit http://www.marketinglure.com or call 630-230-1787 for a complimentary consultation.

For more information visit www.homebusinessmag.com

and click the Businesses or Start-a-Biz Channel.


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Besides running your home business, you need to reach outside your private enclave in order to promote yourself

and to make the many contacts you will need. Beyond making your business known, you must also make yourself known. Since you are the business, your business success will ultimately rise or fall on your reputation.

But that’s something you can’t very well demonstrate through an ad. The best way to prove yourself if through your actual business dealings. But how can you prove your mettle to prospective customers before you get their business? One of the best ways is by partici-pating in charity work. Charities tend to draw lots of important people and free publicity. Not only can you make lots of useful contacts and make yourself better known, but you can also demonstrate your capabilities.

Through your participation you can:■ Help raise funds.■ Participate in promotional or educa-

tional activities.■ Render special services that might be

needed.

MEETING PEOPLE AND MAKING CONTACTSIf your goal is to meet certain types of

people, some groups will be better than others. You can’t know what sort of people you’ll meet until you join and see for your-self. But through most charitable causes, you will meet movers and shakers and many of the most prominent and ambitious businesspeople in your community. Indeed, few charitable groups can make it without the help of such prominent civic leaders. Most charities’ local boards of directors are dominated by such folks. And many local business enterprises will also be involved in any number of ways, such as:■ Donating money or equipment■ Hosting special events on their premises■ Actively participating in various fund rais-

ing, promotional or educational activities

Even if you don’t meet the people you want, you can still make valuable inter-

mediary contacts through whom you might make many additional contacts.

CHARITY WORK’S PERSONAL DIMENSIONThere’s also a personal dimension to char-

ity work. Entrepreneurs are doers, and doers like to accomplish things. For them, achieve-ment is not just a good feeling, but a neces-sity. Feeling useful and successful on any level is the psychological tonic that gives such people the sense of peace and satisfaction that helps them through life’s difficulties.

According to aptitude specialists, people need to use all their special aptitudes in order to feel healthy and happy. Failure to do so causes frustration and unhappi-ness. That’s one reason why entrepreneurs should choose businesses in which they will utilize their special gifts. But since it’s not likely that you will utilize all of your special aptitudes in your work, it’s important that you find other constructive outlets for those pent-up abilities that are dying to be useful. Charity work can give you that opportunity.

DO...■ Pick a charity you believe in. Not only

would it be disingenuous to work with a charity to which you’re not attached, but you may lack the enthusiasm to make a really meaningful contribution to the cause. Shop around for something that excites you.

■ Avoid controversy. Controversial causes might offend other people—the last thing you want to do! So choose something outside of political or controversial areas. Health-related or civic improvement groups are usually safe bets.

DON’T...■ Over-commit yourself. Charitable par-

ticipation can be like stepping into a black hole—they’ll be happy to let you do as much as possible, and they might call on you to do even more. So start slowly, see how much you can handle,

and be sure to keep your commitments. You want to prove yourself to be a dependable person who honors commit-ments and performs competently.

■ Expect miracles. There’s no guarantee that you will make useful contacts or even get favorable publicity. But even if by some chance you make no tangible business gains, remember two points: (1) You certainly won’t make useful contacts or generate publicity by sitting quietly at home; and (2) No matter what your busi-ness gains may be, you can still make an important contribution to a good cause!

Thus, the payoff is guaranteed!

FINDING CHARITIESMany groups advertise or post notices in

churches or other public places. You’re also likely to hear or read about such groups through the media. The Yellow Pages and the Internet are good places to begin your hunt. Look under various listings such as charities, health charities, or civic groups.

Also try these sources:■ Charity Navigator –

http://www.charitynavigator.org■ Better Business Bureau – www.bbb.org

(check under “For Charities and Donors”)■ The American Institute of

Philanthropy’s “Charity Watch” site –http://www.charitywatch.org

■ The Charity Guide – http://www.charity-charities.org

Christopher J. Bachler is a 20+-year veteran business writer and editor, based in Drexel Hill, PA.

For more information visit

www.homebusinessmag.com and click the

Business Growth Channel.

Getting Involved with a Local Charity Can Benefit Society and Your Business

By Christopher J. Bachler

BUILD YOURBUSINESS BY HELPING A CHARITY

You make lots of useful contacts and make yourself better known by helping a charity, and you can also demonstrate your capabilities.

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Thirty years ago, Dr. Sanford Siegal, a young Miami physician, realized that Hunger Wrecks Diets™. He knew

that if he could control his patients’ hunger he could help them stick to their diets and lose weight. Drawing on his chemistry back-ground and passion for cooking, he discov-ered that combining certain food substances in a particular way produces a mixture of proteins that offers unusual hunger control per calorie. Dr. Siegal used his discovery to create an appetizing, hunger-controlling cookie to help his patients stay on their diets. Encouraged by his patients’ weight-loss suc-cess, Dr. Siegal added shake mixes and soups to his line of food products.

Matthew Siegal, the son and now CEO of Dr. Siegal’s COOKIE DIET® weight-loss system, says their system has helped over 500,000 customers lose weight. In their

private bakery Matthew says, “My father personally mixes every batch of his propri-etary hunger-controlling protein formula.”

Due to increased inquiries, the Siegals launched their web site, www.CookieDiet.com to take direct orders.” They also opened seven kiosks and a Beverly Hills store, and began selling through retailers in the U. S., Canada, and Latin America. With so much media attention, the Siegals do little paid advertising. Referrals from satisfied dieters are their best promotional method. “One woman who lost weight with our system, opened a mall kiosk and says she is selling over $100,000 a month worth of our cook-ies,” Matthew says.

He says working from home gives him the opportunity to “bounce” between simul-taneous projects. “I may work on research-ing locations for future stores, then take

a break and water the lawn, then go back inside and resume (business) work.”

The Siegals believe the slow economy has helped their sales’ growth. “People need to eat, and one reason why our business is booming is that most of our customers find it costs less be on Dr. Siegal’s Cookie Diet than not to be on it,” says Matthew.

With 80,000 existing web site members and growing by 10,000 more per month, the Siegals predict $15 to $18 million dollars in sales this year alone with sweet (non-fattening) success. For more infor-mation about the Siegal’s products, visit www.CookieDiet.com.

Father and Son Business Creates a Hunger-Controlling Cookie

By Priscilla Y. Huff

Helping Patients Stay on their Diets

Matthew Siegal and Dr. Sanford Siegal of COOKIE DIET® say, “In recessions, deliver necessities, not frivolous luxuries.”

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Beth Rumack, creator of the Snuggin Go®, comes from a long line of entre-preneurs and was inspired to start

her own company by her great grandfather. Beth’s great grandfather started a Hoy Shoe Company after WWII, still owned and oper-ated by her family, which makes the famous Salt-Water Sandals for children. It is the American dream to start your own business and to have the ability to run a business from home, which allows Beth as a mother to have the best of both worlds. It allows her the flexibility of being with her young children, as well as having a career. “Taking an idea from a concept to a reality and having the opportunity for others to benefit from it is truly amazing,” says Beth.

From her home, Beth runs BGR Juvenile Products, LLC, a growing manufacturing company, which licenses her invented/pat-

ented Snuggin Go® & Snuggin Go Too® posi-tioners. She promotes her home-based business by educating about the importance of infant positioning and using different media outlets to bring awareness and to promote Snuggin Go® products. BGR Juvenile Products, LLC has a large follow-ing of online customers and is expanding its presence in small boutiques and larger retail stores. According to Beth, Snuggin Go® and Snuggin Go Too® will be staple-must-have products in every family’s home in the next 3 to 5 years.

Beth’s background, as a pediatric/neonatal nurse for over 10 years and as a Neonatal Nurse Practitioner for 5 years, helped her develop the Snuggin Go® with her exper-tise in safe parenting products. She currently practices as a Neonatal Nurse Practitioner

and specializes in taking care of infants born with Congenital Heart Disease. Beth spent over five years researching infant positioning and designing Snuggin Go®. It is her passion and goal to bring awareness to the dangers of poor infant positioning in infant seat products as well as put a quality product on the mar-ket that works and that parents can trust to reduce Sudden Infant Death Syndrome (SIDS).

Beth is helping her home-based business grow by attending trade shows, market-ing to brick and mortar stores, making TV appearances to discuss infant and car seat safety, and reaching out to the media to share her innovative mom invention. She is excited to embark on this new adventure in her life.

Pediatric/Neonatal Nursing Background and Passion Support Woman’s Business Goal:To Bring Awareness to the Dangers of Poor Infant Positioning in Infant Seat Products


From her home, Beth Rumack runs BGR Juvenile Products, LLC and licenses her invented/patented Snuggin Go® & Snuggin Go Too® positioners.


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Your cash is tied up, yet you are facing an opportunity you just can’t pass up, a chance to expand into

a new market or a capital investment you need in order to conduct your business efficiently and effectively. But these are wild and crazy times. You can hear the snap of the leather as business belts are tightening; banks and financial lenders being no different. Everyone is cracking down on their extensions of credit, and tightening up on their lending windows. You wonder what alternative options are available to you to move forward with your plans. Where can you turn before your golden opportunity slips through your fingers?

ACCOUNTS RECEIVABLE FINANCING This is another route you may

want to consider in order to be able jump on that opportunity which has manifested itself to you. This is a form of short-term borrowing, where an advance is made to a business as a loan or against the purchase of its accounts receivables. It is prudent for you to know what you are heading into in order to negotiate the best arrangement for you and your business. After all, this is a more expensive form of financing, and borrowing against your receivables inevitably lowers your profit margin. Your best strategy would be to mitigate those losses the best you can. In order to do so,

you should go into your meet and greet with your institution of choice armed with a fairly good understanding of where your portfolio’s strengths and weaknesses lie. It would help to understand the different avenues of financial institutions you can approach, and what type of product they offer in terms of purchase or loan agreements. You have to weigh the cost of the missed opportunity against the cost of this form of short term borrowing or relinquishing of your assets, so you can make a decision of what best suits you and your vision.

WHO DO YOU GO TO? There are three options available to you,

and each one operates slightly different from the other. You can approach Banks, Financial Service Agencies, or “The Receivables Exchange.” Each one offers its pros and cons in relation to the control and servicing of your receivable customers, the final costs of the agreements, and the freedoms allowed you in terms of re-investing your cash allocations, as well as how they would qualify you, and the receivable accounts you offer in trade.

A bank’s approach to Accounts Receivable/Inventory Financing (ARIF) is either via: a simple single advance note secured by a blanket lien on the receivables; or a fully followed assets-based loan where the lender secures control over the borrower’s cash receipts and disbursements, as well as the quality of collateral. Generally the borrower still manages the accounts receivables, but is required to report to the lending institution regularly regarding

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Accounts Receivable Financing is a Route You May Want to Consider

By Carla Maria Dummerauf

F I N A N C I N G I N A C A S H CRUNCH

Forget the Economy – 3 Ways to Boost Profits NOWBy Nathan Jamail

Making 2010 the best year in profits is easier than you may think. Many companies are not choosing to participate in the “recession.” They are choosing to take control of their company’s economy. There are three areas to focus on in order to make your own economy:

1. Fight the “Power of New”: Company leaders who are willing to do what they know and fight the “power of new” will truly win by increasing profits. The “power of new” is the event when the leaders implement a new program and after 60 days the newness of it has worn off and it starts to look like a lot of work. Fighting the “power of new” takes a strong leader and commitment to keeping the team excited and motivated.

2. Go Back to the Basics: In this recession, it’s going to take great leaders to get down to the basics: commitment to practicing; coaching the team; holding team members accountable to getting to the next level; and team building.

3. Focus: While other organizations worry about how to hold out until this “economic downturn” is over, the winning companies will focus on how to take advantage of the current economy and will implement their own “economic stimulus package.”

The economy can be the greatest excuse for failure or the greatest motivator to succeed. The choice is yours!

Nathan Jamail, president of the Jamail Development Group and author of “The Sales Leaders Playbook,” is a motivational

speaker, entrepreneur and corporate coach. As a former Executive Director for Sprint, and business owner of several small

businesses, Nathan travels the country helping individuals and organizations achieve maximum success. His clients include

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Accounts Receivable Financing a form of short-term borrowing, where an advance is made to a business as a loan or against the purchase of its accounts receivables.


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6 Reasons To Join Safety Technology

First...Drop-Shipping This means we will ship to your customers with your name and address on the shipping label. You don’t have to stock anything. You are paid by your customer before you have to pay for any product. You can sell hundreds of products without any upfront costs.

Second...Professional Catalogs We spend over $50,000 a year designing and printing our two full-color, professional catalogs...one for personal and family self-defense products, the other for hidden cameras and home and business security products. These catalogs are available to you without our company name or identity on them. They give you instant credibility and a Giant Warehouse Source of over 500 products.

Third...Our Unbeatable Prices You get maximum profits from Safety Technology and true wholesale prices. Safety Technology manufactures many of the products and is also a major importer. So, you’re buying directly from the source…and cutting out the middle man.

Fourth...at your option, a Complete "Web Site Super Stores" Business No other means of making big money lets you keep your freedom. With my web site Super Stores, you are never chained to a store counter, your time is your own, there's no handling or shipping of

product, no inventory gathering dust, no employees to baby sit, no face to face selling, no stress, no fuss, no bother. If you want big money but also lots of freedom, then you MUST turn your attention to Internet Marketing. Don’t worry, we will teach you how to sell on the Internet.

Fifth...Our reputation for fair-dealing, quality and service stands behind you. I started small, off a card-table in my house! Over these 20 years, I've seen a lot of "operators" come and go....sell cheap; imitation products that don't work right... then disappear. Safety Technology has been in business for over 20 years. We stand behind all our products and fully guarantee them.

Sixth...Exceptional Dealer Service and Support Our phone lines are manned 9:00 AM to 5:00 PM, Monday through Friday, by people right here in my office, who are really knowledgeable about our products and who want to help you.

A Personal Message From Michael Gravette

“If you need to make extra money now, these products are high impulse and easy to sell in so many different ways. If you get them in front of people, you will sell them!”

You came this far. You read this information; you demonstrated sincere desire for success in a good, profitable business of your own. The temptation is to procrastinate, to waffle, and to "think it over". But what is there to think over? Do you want success or not? Act NOW! "Setting up an online business through Safety Technology was the best decision we ever made." Steve Thibeault, www.tbotech.com

“If you are determined to succeed, and willing to follow Michael Gravette’s plan, then, you too can be successful at this business. I am thrilled to be part of Safety Technology.” David Brackman, www.selfdefenseatl.com “I attribute much of my success both present and future, to the partnership I have with Safety Technology and the mentoring of Mike Gravette. It’s easier to succeed with good people helping you.” Chuck Dougherty, www.GetSelfProtection.com

HOW TO GET STARTED Please order our FREE Wholesale Kit Today. We will send you our 24-page, self defense products color catalog plus our 28-page hidden camera, spy & surveillance systems color catalog plus a FREE report on 12 ways to sell our products plus a FREE report on Selling on the Internet and our confidential Wholesale Prices. REMEMBER…WE WILL DROP SHIP FOR YOU!!!

4 Ways to Order the FREE Wholesale Kit with Catalogs/Prices

1. Call secure order line 24 hours a day: (800) 983-0289 EXT 1 2. Fax your name, address, and email address: 904-720-0651 3. Mail your request with your name, address and email address to: Safety Technology, 1867 Caravan Trail #105-B, Jacksonville, FL 32216 4. Request online at our web site and while you’re there, check out all our products: www.tbdm.com

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Financing in a Cash CrunchContinued from page 44

MO

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OR

NE

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Accounts Receivable/Inventory Financing is a loan; therefore you will be structured to pay back the principle + interest + any service fees accrued.

the status of the collateral for the term of the agreement. The bank’s advance rates are generally in between 70%–80% of the receivables for what they define lower risk, but this depends on their view of the quality of the accounts. The rates can go down as their view of quality goes down. The lower advance rates are applied when the lender perceives heightened risks of doing business with your accounts receivable clientele. They will look at the overall quality of your customer base, taking into account whether they are publicly-rated companies, small privately owned companies, or individuals as consumers. Finally this type of financing is a loan; therefore, you will be structured to pay back the principle + interest + any service fees accrued.

Financial Service Agencies (FSAs) use a technique called Factoring, which involves the direct purchase of certain approved receivables altogether. They purchase these accounts at a discounted

“Safe to say the lower advance rates are applied when the lender

perceives heightened risks of doing business with your accounts

receivable clientele.”

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price, say on average 80% of the face value which it will pay to you the seller minus their service fees. Unlike the banks, the FSAs assume all credit risks for the purchased amounts, frequently performing all accounting functions in connection with the receivables, and purchasers are notified to remit payments directly to the factors, (the FSAs).

The Receivables Exchange (TRE) is an online marketplace at receivablesexchange.com, which houses under one roof all the accredited institutional lenders in the market for purchasing receivables. TRE is in the business of buying and selling receivables through real time auctions. Sellers post one or more receivables, control the pricing parameters, and set the minimum amount of advance they are willing to accept, as well as the maximum fee they are willing to pay. They also determine the length that their receivables are open for bid (average 3–10 days.). There are entry requirements you have to meet in the application process, like having your doors open for business for a minimum of two years, as well as a minimum annual sales of no less than half a million dollars.

WHAT INFORMATION DO YOU NEED TO PROVIDE?

You will be bringing with you your financial statements, recent tax returns, and your “aged” accounts receivables in the form of a report listing your accounts and detailing the current status of delinquency of the balance owed. Delinquency is commonly defined as 30, 60, and 90 days overdue relative to the terms listed on the invoice.

HOW WILL YOUR ACCOUNTS RECEIVABLES BE VALUED?

For you to effectively be able to negotiate and decide if you are getting a fair deal, understand what institutions are looking for as qualifications. If it is a loan that you are looking to take out against your receivables, then the banks will take into consideration your purpose for the loan, your anticipated source of repayment, and the quality of the receivables you lay down. In fact, all of the institutions will give a close look at this. In addition, they will

all look at your Cash Conversion Cycle. Even TRE will, when qualifying you in the application process. (In its simplest terms, the cycle refers to the number of days between when a business pays for its materials/inventory and when it receives cash for these goods. It represents the time in which working capital is “tied up.”)

The institutions will not look at delinquent receivables older than 90 days, and they would prefer to bargain with those sitting at 30 days. They will look closely at delinquency trends within the receivables base. Rising delinquency means increased risk, which may signal problems with the borrower and the capacity to collect. That is going to affect your advance percentages, if not your eligibility altogether.

The institutions will scrutinize your business and your industry’s performance in the current economic environment at the time of the application, as well as your position within the industry and your customer base. They will check for lien searches. Some will even ask for a criminal records search, and they will be looking in particular for registrations of “purchase money interests” and “tax liens,” because these take legal priority over a lender’s lien, or an outright purchaser.

What would put a smile on everyone’s face is if the receivables have a 3rd party guarantee or insurance. This reduces the risks, and thereby justifiably supports higher advance percentages. Some examples of these types of guarantees or insurance are government-sponsored and private insurance programs. No doubt these can significantly influence eligibility considerations.

Know what you hold in your accounts

receivable portfolio. Even if you are not at the moment considering Accounts Receivable Financing, it may serve you well to look at some of the issues put forth and tighten up on the areas that you feel may currently not stack up in respect to these accounts. It can only improve your bottom line.

Carla M Dummerauf is the owner of CHICKMELIONfreelance who offers a triple threat advantage for small business such as writing, design and marketing services, ensuring you get the complete package. CHICKMELIONfreelance specializes in: Article Marketing, Press Releases, Newsletters, E-brochures, Banner Ads, Squeeze pages and much much more at affordable prices.. It is Carla’s belief that no business is too small for the best of services, and no budget is too small for the best of solutions. Carla has held a Marketing Degree for over 20 years and lives to watch small businesses grow. After all it is the backbone of our country, don’t you think? For more information catch up with Carla at http://chickmelionfreelance.blogspot.com.

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14. TOUR LEADERTravel is no longer for wealthy

individuals. Competition and the recent slow economic times have created affordable prices that have made travel a popular pastime for all ages. You can lead bike, bus, rail, ship, and/or flight tours to local, state-, nation-, or worldwide destinations. You can subcontract your services to local travel agencies, tourists bureaus, schools, volunteer agencies, and other organizations; or you can operate your own tour business.

Success Tips: Check to see what licensing and business regulations you must follow. It is helpful to have a travel industry background; or enroll in courses for needed certification. Decide what type of tours you want to lead and write a business and marketing plan to reach potential customers. Advertise in travel publications, radio and television ads, by writing articles, and with a web site. Add additional income with travel CDs and publications of tours; and by offering to find the best deals and packages for your clients.

Suggested Resources *The Business of Tour Operations, 3rd ed., by Pat Yale

*www.itmitourtraining.com/ - Tour director training.

15. VINTAGE REPRODUCTIONS OR RESTORATION Theatre, movie, and television companies;

collectors, and different mature age groups seek reproductions of vintage clothing, jewelry, old toys, and other bygone items for various purposes or for their collections. Antique specialists, museums, and collectors will also pay for the repair or restoration of original items ranging from fountain pens, vehicles, telephones, and countless other items.

Success Tips: Enroll in old-world craft centers, or take private lessons to learn the skills needed to reproduce or restore the items in which you plan to specialize. Test-market your items, selling on online auction sites, as well as on craft and specialty sites. Find new customers by writing and advertising in related trade publications and collectors’ sites.

Suggested Resources

*http://AntiqueRestorers.com/ - information. *Vintage Indie™

Magazine, http://vintageindie.typepad.com/vintage_indie/about_.

html - vintage entrepreneurs.

For more business start-up information, visit web sites like the U. S. Small Business Administration’s www.sba.gov/50plusentrepreneur/index.html; www.SCORE.org; the Kauffman Foundation’s Fast-Trac business development programs, www.fasttrac.org/; and local community resources. Research your idea, consult with experts, write a business plan, and then launch into your own home business. Start today and operate it the rest of your life, if you choose, earning money while doing work you love!

Priscilla Y. Huff (www.PYHuff.com) welcomes comments at Home Business Connect http://connect.homebusinessmag.com/; and on Twitter: http://Twitter.com/HerHisBizWriter.


www.homebusinessmag.

com and click the Business

Start-Up Channel.

FE

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E25 Best Retirement Businesses: Continued from page 25

Antique specialists, museums, and collectors will also pay for the repair or restoration of original items…

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1. Green Consultant – Advise home and business owners how to save money and energy, and protect the environment in their lifestyles and operations.

2. Grandparents’ E-zine – Write an e-zine, blog, or column specializing in experiences and/or products, advice, or other topics that grandparents can share with their grandchildren.

3. Information Specialist – Sell clients reports in the industry or profession in which you are experienced and an expert.

4. In-Home Care (Non-Medical) Services – Run errands and assist seniors, home-bound individuals, and others who have demanding work and/or travel schedules with daily (non-medical) tasks.

5. Inventions/Innovations – Use your industry and/or hobby training and experiences to create, patent, and license new products.

6. Mobile Business – Bring your services, tutoring, grooming, hair styling, and car detailing directly to clients’ homes or offices.

7. School Assembly Presentations – Schools, home-schooling organizations, and institutions seek educational and/or entertaining presentations featuring programs on animal, science, and other topics for their students, clients, and patients.

8. Teaching-Tutoring – Share your knowledge and expertise with others instructing through online, in-school, or private classes.

9. Technology Installer – Set-up, install, and provide basic operating instructions to buyers of televisions, computers, and home entertainment and theatre systems.

10. Travel Writer – Write informative pieces about travel destinations for local, national, and global web sites and print publications.

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Do you own a small business? Are you strapped for cash? Do you find it hard to pay your

vendors or employees? The economic downturn is prompting business owners to reexamine all costs to figure out where they can cut down. The perception is that going green costs more money, but that isn’t true. The following are small adjustments that any business can take that will save a bundle — for free!

• Correctly Set the Thermostat.• Put a Paper Reduction Program

in Motion.• Replace typical tube bulbs with

LEDs and pay only when you see the savings!

See: http://www.greenandsave.com/greenoffice

The data is based on a “template” 10-person office with 2,500 sq. ft. so that small business owners can scale the data to match their business size. This would be equivalent to a larger home with a large home office.

1) CORRECTLY SET THE THERMOSTATSAVE up to $230 each year... ROI = 200%

By pre-setting the temperature, you can increase your employees’ comfort, because the office can, in effect, “warm-up” in the winter or “cool-down” in the summer just before you come in to work. Programmable Thermostats are one of the most cost-effective ways to save money, and the environment. Heating and Cooling accounts for up to 40% of an office’s annual energy costs. You can save up to 10% when you use a programmable thermostat to adjust the temperature automatically at night. You can save by keeping the office substantially cooler at night in the winter and substantially warmer at night in the summer.

ENERGY STAR® is a joint program of the U.S. Environmental Protection Agency and the U.S. Department of Energy helping us all save money and protect the environment through energy efficient products and practices. Results are already adding up. In 2006, Americans, with the help of ENERGY STAR®, saved up to $14 billion on their utility bills, and saved enough energy to avoid greenhouse gas emissions equivalent to those from 25 million cars.

ENERGY STAR® qualified programmable thermostats offer savings, comfort and convenience. Set a “program” for your thermostat to follow based on your staff’s work hours on each different work day and weekend, so you don’t have to think about adjusting the temperature manually. A programmable thermostat that you can set for multiple different days costs up to $115. The ROI Calculation is based

The perception is that going green costs more money, but that isn’t true.

“Green” Savers Free

“LEDs use less energy and last 100 times

longer than incandescent bulbs and last 10 times

longer than Compact Fluorescents.”

Become More Energy EfficientBy Eric Tyson, MBA

Check out opportunities to make your home more energy efficient. Adding insu-

lation and weather-stripping, installing water-saving devices, and reducing use of

electrical appliances can pay for themselves in short order. Many utility companies

will even do a free energy review or audit of your home and suggest money-saving

ideas.

Thanks to tax law changes, you may also qualify for “Residential Energy Credits,”

which reduce your tax bill. In fact, these energy credits, which were available in

2007 but not in 2008, were recently improved under the American Recovery and

Reinvestment Act. Under the act, energy improvements — such as adding insulation,

installing energy-efficient windows and doors, installing solar panels, and so on — are

eligible for a credit rate of up to 30 percent of the cost up to a limit of $1,500 for all

qualifying improvements placed in service in 2009 and 2010. This is a great way to

save money, and the benefi ts will be two-fold. Not only will you be helping your bottom

line, you’ll also be reducing your personal impact on the environment.

Eric Tyson, MBA, is one of the nation’s best-selling personal finance book authors and has penned five national bestsellers. (He is also the only author to have four of his books simultaneously on BusinessWeek’s business book bestseller list,) His Personal Finance For Dummies (Wiley) won the Benjamin Franklin Award for the Best Business Book of the Year. He is also the author of Investing For Dummies and coauthor of Home Buying For Dummies and Real Estate Investing For Dummies, among other titles. Visit www.erictyson.com.

Ways for Small Businesses to Save Money without Spending Money

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TAKE THE CHALLENGE! DOES YOUR BUSINESS OR THE ONE YOU’RE LOOKING AT COMPARE?

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OTHERBUSINESS?

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ChildShieldU.S.A.

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on the average US employee generating an annual heating and cooling of $238. The 10% annual savings per employee is over $23. So, for an office of ten, including family in the home, the savings is over $230.

Payback Time in Years:

Added Cost:

Annual SAVINGS

5 Year SAVINGS

Return on Investment (ROI):

0.5 $115 * $230 $1,150 200.0%

*This cost is included only if the business does not already have a Programmable Thermostat

2) PUT A PAPER REDUCTION PROGRAM IN MOTION SAVE up to $1,250 each year... ROI = 312.5%

If you take just a few steps to reduce paper consumption in your office, you will receive one of the most cost-effective paybacks. On average, US office employees use 1.5 pounds of paper each work day. Legal and Financial firms generate 2 pounds or more. Over 250 work days, the 1.5 pound level generates 375 lbs/year. At $.88/lb, the cost of paper is $333 per employee or year. A 10-ream carton of office paper weighs about 45 lbs with 500 sheets per ream and 5,000 sheets per carton. The average is 111 sheets per pound, and the high average volume of daily paper use at over 150 sheets is due to factoring in everything that is ‘unseen’ by an individual employee such as quarterly reports, human resource and medical files, sales proposals, marketing letters, as well as emails, and even printing personal files like Internet map directions.

The increases in office paper consumption have surprised many of the research groups that expected the “information technology” revolution to reduce demand. Experts initially believed that email would specifically reduce our demand for paper, but the “cc” factor and high speed printing have let many people along any given communications chain simply hit print out of convenience. Even in a digital e-business world, over the course of 250 business days, average US employees and home office workers generate a staggering 375 lbs of paper per year.

Time is money, so factor in four hours of administrative time at an opportunity cost of $100 per hour. Naturally, this is an average that may vary based on the value of time in any given business and the efficiency of the program administrator to oversee and circulate the policies provided in this resource. The ROI Calculation is based on reducing one of the average 1.5 lbs of paper produced by an average employee per day, and the cost of a ream of paper at $40. At the average cost of $.88/lb, each employee uses $333 of paper. Saving $125 per employee...simply starts to add up significantly.

Payback Time in Years:

Added Cost:

Annual SAVINGS

5 Year SAVINGS

Return on Investment (ROI):

0.3 $400 * $1,250 $6,250 312.5%

*This cost is just a factor for the administrative labor, so it could be ‘”free” if it’s time that is not spent

generating money in a down a market.

3) REPLACE TYPICAL TUBE BULBS WITH LEDS AND PAY ONLY WHEN YOU SEE THE SAVINGS!

This is the newest weapon in the GREENandSAVE fight to reduce energy costs for small business owners and property managers. Lighting accounts for about 21% of an office’s energy costs. A single bay or home office of four traditional fluorescent tubes can cost over $125 a year to operate. Just take a quick look around the ceiling and you can see the money leaving the building. You may have heard in “home energy” conversations that LEDs use less energy and last 100 times longer than incandescent bulbs and last 10 times longer than Compact Fluorescents. Now, the LEDs have come to the workplace. The new bulbs are like four foot crystalline tubes of efficiency, but they can cost over $60 each. So, a retrofit for a 2,500 square foot office could cost $6,000 or more. However, for every $1.00 spent you can save $.40, that adds up to $400 for every $1,000. Even though the payback comes in just over 2 years, the retrofit up-front cost is still a deal buster for most business decision makers — especially in this recession.

Making small adjustments towards going green can save money for any business. This is all in an effort to start shifting the wave of inertia and move America in the direction of Energy Independence.

GREENandSAVE is one of America’s leading free “Green” home and office remodeling resources for anyone that wants to save money and the environment as well as create a healthier property and overall lifestyle. Our team continues to research the data from a broad range of public and private sector reports as well as manufacturer specifications and actual user feedback. We offer compre-hensive Return on Investment (ROI) ranking and Take Action recommendations on multiple ways to “Go Green.” For more information, visit GREENandSAVE.com.

Charlie Szoradi is the President and Founder of GREENandSAVE. He brings multiple decades of hands on experience to the culture of sustainable living and cost-savings for property design and remodel-ing. He focuses on ‘high performance’ architecture, and in the early 90s, he wrote his Masters of Architecture thesis on sustainable design, entitled “Eco-Humanism.” He has taken a leadership role at the national and regional level. From the cover profile of Investors Digest Magazine to the Energy Expert for US Magazine, Charlie has simply dedicated his career to green innovation.More: http://www.greenandsave.com/bio_szoradi.html


www.homebusinessmag.com and click the Home Office or

Go Green Channels.

Top Three ‘Green’ Savers That Are FreeContinued from page 50

HO

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“The increases in office paper consumption have

surprised many of the research groups that expected

the “information technology” revolution to reduce

demand.” Programmable Thermostats are one of the most cost-effective ways to save money, and the environment.


http://www.greenandsave.com/bio_szoradi.html



http://www.greenandsave.com

http://www.greenandsave.com/bio_szoradi.html

http://www.spraygreen.net

SU

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S


Michele Smith had her first child and was dealing with a 2-hour commute to and from work. Time

with her family was suffering, and she had to make a change. She met Michelle Gamble-Risley at a children’s birthday party before appearing on the Rachael Ray show last Fall. Ironically, Michelle was trying to get a client on the show. Michele offered to walk in her client’s media kit into the producer’s office and before she left, the two ladies had lunch and hit it off. Michelle asked Michele why she was working for someone else, and she didn’t have a good answer. Michele read a copy of Michelle’s book, “Second Bloom” — and she immediately quit her job afterward. She launched M Communications. The ladies successfully started partnering up on projects and merged their companies.

Michelle Gamble-Risley’s last corporate job was as director of strategic communications at a marketing agency.

She supervised a staff of five people to create marketing and public relations campaigns. She also did a lot of business development and networking to help grow the business. After a year of putting up with demanding crazy bosses and learning how to run the office and attract new business, she decided to quit. Michele Smith’s last corporate job was director of marketing for a high-end architecture firm in downtown Sacramento, California.

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What started as a typical small-town eastern Ohio summer workday for JT Stewart of East Liverpool,

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The call was from a local real estate agent who sold foreclosed homes, asking if he knew anyone who could supply a dumpster and also load it with debris from a foreclosed home she was selling. “I wasn’t even sure where she got my number but, being the consummate salesman, I told her I could do the job,” Stewart said. Using tools that he begged for and borrowed, Stewart completed the project and made a $500.00 profit. “After doing a few more similar jobs, I quickly realized I was on to something and a new business was born,” he said.

Stewart worked the business part-time

over the next year, taking on more and more jobs. He worked from home using his own truck and additional rentals when needed. “I finally decided to work this lucrative foreclosure cleanout business full-time,” he said. Stewart actively promoted his business, and his customer base expanded to multiple brokers, large banks, lenders, and governmental agencies in the real estate business. “Over the next ten years, my company grew from one employee to more than sixteen at times,” he said, “and we performed thousands and thousands of cleanouts and other foreclosure-related maintenance services.” Today, the company services customers in 24 counties in Ohio, West Virginia, and Pennsylvania.

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20. Hire a Part-Time AssistantOne bright side to the recession is there

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vendors might be open to negotiating the cost of goods and services. But you have to ask. Start with other small businesses from which you require services. Each dollar you save is a dollar added to your net income.

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23. Consolidate Your Communication BillingAs wireless communications grow, so

do their expenses. Most business owners have multiple devices and multiple users, particularly home-based business owners who have family members rolled into their wireless plans. From your cell

phone, you might have added mobile Internet-connected handheld devices and wireless plans.

Remember that if you added on new accounts and features haphazardly, no one from the communications company is going to notify you that you might be wasting money. They look at your confusion as a way to profit. So find a local office for your communications company and go in for a face-to-face visit. Have them pull up your account, go over all the options, and ask them to put together a consolidated plan that cuts costs. You might have to upgrade some equipment and extend the term of your services. Many home business owners have cut over a hundred dollars per month on total wireless communications, money added to their profit bottom line.

24. Re-Price Your Products and ServicesLook at the current volume of your

business and the prices you charge for a unit of product or services. Using a spreadsheet analysis, determine what price will maximize your revenue in 2010. That price may be below, or above, your current pricing. If you have only so much time you can devote to your business, and increasing your fees will not drive enough clients away so that you have downtime, then you should increase your prices. Consider also decreasing your prices, if it means increasing the amount of work you can do, and thus the revenues.

25. Strategic Plan Roll-UpFinally, roll all of your cost-cutting

and profit-building initiatives into your strategic plan. Every business, no matter how small, should have one. A strategic plan lays out the directions you want to go, and the broad steps you will implement over the year to reach those destinations. Visit www.homebusinessmag.com for more information on building a strategic plan. It’s simple to create, and can be as short as one page.

Obtain proper professional guidance, especially for legal and accounting, because this article should not be considered a substitute for proper professional advice.

Each one of the above 25 recommendations can generate 5 to 10 percent increases in profitability. All of them can be easily implemented within 30 days. Taken together, you can double your profits by Spring 2010!

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©1993-2010. Reg. # 4180563 and 4145799. TRADEMARKS: Home Business, Serial Number 74/713646 and Home Business Magazine, Serial Number 75-086596, issued by the United States Department of Commerce, Assistant Commissioner for Trademarks. Mark Type(s): TRADEMARKS: Conform to the minimum requirements set forth in 37 C.F.R. Sec. 2.76 (e); and formal requirements set forth in 37 C.F.R. Sec. 2.76(b) and (c). All rights reserved. No part of HOME BUSINESS® Magazine may be reproduced, stored in a retrieval system, or transcribed, in any form or by any means, photocopying, electronic, mechanical recording or otherwise, without prior permission in writing of the publisher, United Marketing and Research Company, Inc., Lakeville, MN 55044.

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BE A MOBILE DEVICE BROKER & LIQUIDATION SPECIALIST - Get IT Asset Disposals (cheap!) of like-new Laptops, Notebooks, BlackBerrys, and Netbooks. Earn $150K Yr! www.Computer-Brokers-USA.com

CONSULTING SERVICESPERSONAL MENTORING with a proven, simple system anyone can do. If you want to succeed, get help from someone making a ton of cash: me! Call 1-800-422-8049 or visit www.lazywealth.biz

CREDIT & CREDIT CARDSFIND OUT TODAY WHAT the banks don’t want you to know about! Discharge your credit card debt now! Call: 1-877-203-1868 to see if you qualify. Minimum of $15,000.00 to qualify!

EDUCATION

ONLINE LAW SCHOOL - Become a law-yer. Northwestern California University offers recognized law degrees 100% Online. 916-920-9470. www.nwculaw.edu

EMPLOYMENT OPPORTUNITIESEARN COMMISSION. SELL OUR LOST & FOUND TAGS. Call (877)900-8247 or visit www.dropinanymailbox.com

DISCOVER FINANCIAL FREEDOM 365 - Visit www.markisrich.com “My first 72 hrs brought me $11,000 to my door and I just got started!” Leeann – Housewife – LA Call 1-888-593-8287 – IRS Tax Codes Approved.

ENTERTAINMENTDOZENS OF EXCITING ENTERTAINMENT BUSINESSES. A wide variety of start-up costs and training and support provided. Search at www.homebusinessmag.com/hbmsearch and click the Recreation & Entertainment link.

FINANCIAL

CASH IN ON THE ECONOMIC CRISIS – Brokering Notes is the #1 business to work during bad economic times. Earn HUGE find-ers fees! Request a FREE informational booklet at: 888-539-3707 or visit www.brokeropp.com

HOW TO GET CASH IN DIFFICULT TIMES. Low interest loans, cash advances and more! Visit www.financialhelpidea.com

INTRODUCING “AN INVESTMENT ADVISORY” #1. For Information Please Send $15.00 Check or Money Order To Charles W. McAndrew, Jr., P.O. Box #3, Jermyn, PA 18433.

INTERNET MILLIONS Probably not. Internet thousands? Very likely! Remember 706922. WWW.DAXFAX.COM Or write for details: Personal Wealth Press, 508 Woodston Rd., Rockville, MD. 20850.

FINANCIALFREE MONEY! WEALTHY FAMILIES/UNCLE SAM Unloading Millions for Any Purpose! Adults Eligible! Apply Today! FTI, 402 West Mt. Vernon, 250, Dept HBM3, Nixa, MO 65714. Donate $1.00 for Application.

FOOD PROFITABLE MINI-DONUT BUSINESS. Automatic, lightweight, portable machines. Aroma, action, taste are an instant hit. Lifetime equipment guarantee. Turnkey packages, supplies. Free Information. Call 1-800-228-8305 ext. 1324 or visit www.lilorbits.net

ACHIEVE SUCCESS! Run Your Own Gift Basket Business From Home! Le Gourmet Gift Basket Inc., 1-800-93-GIFT-6. www.legift.com

LITTLE JIMMY’S ITALIAN ICE AND PUSHCARTS No Experience Required. Family Owned for 75 Years. If you can scoop, you can succeed! E-Register for Pricing Information at www.italianice.net or call us at 1-800-763-4348.

KETTLE POPCORN CONCESSION SET UP Lucrative 90% profit on extremely popular product. Investment range: $9,995.00 – $29,999.00 for fully self-contained Concession Trailer setup, with cooker. 1-888-POPCORN. www.kettlepopcorn.net

FRANCHISESIT’S THE AFFORDABLE FRANCHISE! Van-based, Pathetic Medic is easy to oper-ate and high profit! 1-888-EZ-Franchise www.patheticmedic.com

HEALTH & FITNESSHOW DO YOU SPELL RELIEF? NOPALEA. Reduces pain and inflammation fast! Try risk free. www.sonoranbloom.com/13073081.

HOME & GARDEN

WANT TO SEE GREEN? Amazing Business Opportunity! Be your own boss, Set your own hours, Unlimited income potential, Low Capital Investment –High Profit, Call 1-888-59-GREEN or www.SprayGreen.net

SEARCHING FOR SOMETHING NEW? Discover How Others are Making up to $500-$1,500 A Day! Visit www.starscapes.com/homebiz or call 1-480-615-7646.

HOME IMPROVEMENTREPAIR CRACKS IN CONCRETE. Make $75 - $150/hr. Proven system. Big market. Call 941-639-4520. [email protected]

HERE’S YOUR WINDOW OF OPPORTUNITY – Revolutionary PVC repair and window fog removal technology that is safe, green, easy to learn, backed by a proven business model with a high profit margin. Contact Frames N Panes at 1-888-325-9955 or visit www.FramesNPanes.com

HOME-BASED BUSINESSESFULLER BRUSH SINCE 1906. Distributors need-ed. Pt/Ft. Free web site. Call Mike (800) 403-9254.

TAKE A BREAK, Make extra $80 a day from business credit cards, easy work www.CreditCardsGame.com

Get Paid Like A CEO. Potential to make your annual income a monthly income. Home based business. Have time freedom! Not an MLM! www.lifestyleforu.com 800-510-6037.

MAKE BIG INCOME PT/FT with exclusive new product in high demand 800-296-2195.

HOME-BASED BUSINESSES

EBAY’S GUIDE TO SUCCESS Kit! Below Wholesale on Hundreds of brand name prod-ucts. NO! Minimum www.Cricketnights.com

EXPOSED: THE SECRETS OF BILL GATES. Cash in w/our automated system. No selling or inventory. Call 1800-719-8268 ext; 39848.

DIRECT SALES GROUND FLOOR Opportunity! 100% Commission + Bonuses www.freedombywowmobile.com.

TURN KEY HOME BUSINESS. We dropship. 2 stamps: Free Dealerships, Box 66, New Albany, IN 47151.

START A LASER ENGRAVING BUSINESS WITH EPILOG Engrave awards, promotional gifts, tech-gadgets, glassware, plaques and more with an Epilog Laser system. Equipment starts at $7,995. Visit www.epiloglaser.com for more information.

INCOME OPPORTUNITIES

HOME WORKERS needed by National Corporation. Earn up to $5,000 and more monthly. No selling. Free report: ZLC, Dept. 61095B4, 2610 Conejo Spectrum St., Thousand Oaks, CA 91320.

MAKE MONEY RUNNING YOUR OWN ONLINE CITY GUIDE! You keep 100% of ALL your income! Limited to One Site per City. Check to see if your city is still available www.CityUSA.biz or call 800-257-5308.

DO YOU LIKE BEAUTY PRODUCTS, extra money & working from home? L’Bel is looking for Beauty Consultants to sell high-end skincare & cosmetics. Start your L’Bel beauty business today at join.lbel.com/homebusiness!

LIVE THE LIFE YOU DESERVE. Receive $5000+ weekly, NO selling and NO products to buy Call 888-451-6807 http://www.livericheasy.com

DO YOU NEED FAST CA$H? $10,000 IN 30 DAYS OR LESS! Send $19.00 plus $5.00 S&H for the complete package of everything you need to get fast cash and free money to: Financial Publishers, Postal Drawer #3009, Dept. HB, Maple Glen, PA 19002-8009.

INTERNET & E-COMMERCE WOULD YOU LIKE TO MAKE $264 A DAY WORKING WITH GOOGLE? No one needs to buy anything from you or Google in order to get paid. www.SeanMoneyBlog.com

BECOME FINANCIALLY FREE and start living your dreams! We will show you how you can make a six figure income online, starting today! To make a guaranteed automatic income, visit our website: MentoringMe.info

MAIL ORDER#1 MONEY MAKING PROGRAM IN AMERICA! Make up to $22.50 for every envelope we mail for you! For FREE Report, Call 1-619-491-1915 or write: Publishers Media – Dept. HB-3, P.O. Box 1295, El Cajon, CA 92022-1295.

MAILING LISTSNEED A GOOD MAILING LIST? Give My Names a Try! 200 Names-$20; 500 Names-$32; 1000 Names-$56. Larger Quantities Available. Order With Confidence From: Dennis E. Stillman, Box 3564, Anaheim, CA 92803.



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MARKETINGGET RICH. EARN UP TO $2,000+ DAILY by secretly sending Ads To Cell Phones. Earn money while walking around your city or at sporting events, large indoor, outdoor gather-ings. www.zoombroadcast.com/hbm

DO YOU HAVE WHAT IT TAKES TO WORK WITH TOP PRODUCER? Serious Home Business Opportunity Seekers Only. Full Marketing, Training and Support. Potential First Year Income $100-$200K www.123Wealth.info

MEDICALMEDICAL BILLING BUSINESS! ClaimTek Systems delivers the most complete Medical Billing business programs available. Launch your new business within 30-90 days! Call 800-224-7450 or visit www.claimtek.com

MONEY MAKING OPPORTUNITIESMONEY, TIME & FREEDOM. $1000+ DAILY Returning phone calls, NO Selling. 1-641-715-3900 x45510#.

SELL WHOLESALE MERCHANDISE. Buy and Sell for Profits! No Minimum Purchase… No Monthly Fees… No Membership Fees… www.Canterbury-Gifts.comm

EARN $3,500 PART TIME with Zero Recruiting Guaranteed. The Hottest Online Business today. See Website www.1237004.lawnchairmillionaire.com

COMMISSION CIRCULAR MAILERS WANTED! Make Fantastic Profits! – 50% to 100%. Send LSASE for Free information: Wilmer Gray, BOX 4552-HB, El Paso, TX 79914.

NETWORK MARKETINGULTIMATE FORCED SPILLOVER SYSTEM! Helps place people in your downline. Join today with this ad and our Website sponsoring people under you! Toll Free 1-866-805-8482 or visit www.straightlinedownline.com

GUARANTEED MONEY FROM HOME DONE FOR YOU 1-800-366-1487 EXT: 1142 .

LOSE WEIGHT & MAKE MONEY! Join for FREE. 30-Day Money Back Guarantee. Visit www.YourCore4System.com or call 1-877-255-0335.

INTERNATIONAL PRE LAUNCH OPPORTUNITY Explosive money making opportunity to start 2010. 4 minute message 646-222-0267.

BRING IT HOME!!! Build a multiple six figure residual income with an explosive new thermogen-ic weight loss product, featuring the come back of Ephedra, along with 6 additional product lines. Call 229-630-6057 or visit www.StartForFree.com

MultipleLevelMarketing.com – Free Sales Coaching Blog and Live MLM Social Network Marketing Site.

PART-TIME BUSINESSES

Beat The Rece$$ion! Earn Residual Income, Part-Time From Home. 24/7 Presentation (800)-617-5340 Referred by #7120, or visit www.americanbillmoney.com

EARN AN EXTRA $1500 to $4000 from home. Call 1-888-871-4950.

PERSONAL SERVICESINTERESTED IN A PERSONAL SERVICES BUSINESS? Dozens of different businesses to choose from. Visit the largest home-based business Expo and search engine at www.homebusinessmag.com/hbmsearch.

PRINTINGPRINTING AND DIRECT MAIL SERVICES. Keep in touch with your clients through direct marketing. Generate leads. Our printing and mailing services save you money. Email to: [email protected] or Call 1-888-430-1680.

PRODUCTSOCCASIONOGRAPHY® MAKES IT EASY TO CREATE PROFITABLE personalized products: Cherubs-N-Chocolate® candy bar wrappers & Angels on Occasion® matching invitations/announcements and more. Over 400 designs; weddings, birth announcements. Go to www.wrapperhomebiz.com or call (800) 306-3552.

MIRACLE POLISHING CLOTH. Everybody uses. Electrifying demonstration. Everybody buys. High volume. High profit. www.miraclepolishingcloth.com

BUY SCRAP GOLD! GOLDEN OPPORTUNITY, a Real Money Maker Business. Make $300-$400 a day. Follow my steps, and You will make money. Call Arthur 1(888)845-7602 Email: [email protected]

PROFESSIONAL SERVICES

INCORPORATE OR FORM AN LLC TODAY! Gain credibility with clients and investors. Substantial tax breaks. Save time and money. Call for free info: 1-800-453-9594 or visit www.incorporate.com

PRODUCT DEVELOPMENT SERVICE, Design Engineering, Prototyping, Patenting, Tooling, Manufacturing Setup, Sourcing and More. HEDC, www.engineeredprototypes.com Tel/Fax: 860-647-1872.

PROMOTIONS

ATTN SMALL BUSINESS OWNERS: Offer your customers the gift of travel for less than the cost of pens and magnets. Increase your sales instantly. Go to www.GainMoreClients.com for a free information package.

REAL ESTATEWANT TO PURCHASE MINERALS and other oil/gas interests. Send details to: P.O. Box 13557, Denver, CO 80201.

CLEANOUT FORECLOSURES: Make money cleaning out and maintaining foreclosures. Startup manual and forms CD for only $199.00. Call 800-685-9670 or www.cleanoutforeclosures.com

NEW REAL ESTATE BOOM Learn to flip homes in today’s Booming foreclosure Market. Free Training. Millionaires are being created now. www.TheAlexanderSecret.com

INTRODUCING THE AVERAGE PERSON’S way to riches in the new economy. Call for FREE recorded message at 1-800-539-8913.

SAFETY & SECURITYHELP PEOPLE DEFEND THEMSELVES by starting a businesses selling stun guns, tasers, pepper sprays, personal alarms, hidden cam-eras & surveillance systems. Learn to Sell on the Internet using drop shipping. Call 800-983-0289 Ext. 1. www.tbdm.com

EARN MONEY PROTECTING CHILDREN. Offer parents the highest level of child protection available. Complete business start-up packages begin at $499. Call for FREE info pack : 1-800-488-2445.

SALES & WHOLESALEOPERATE YOUR OWN MERCHANDISING BUSINESS. Large number of products. No inventory. Low start-up costs. Proven market-ing system and assistance. Free information: 1-800-266-0224.

SPECIALTY CLEANINGREVOLUTIONARY BREAKTHROUGH IN CARPET CLEANING! Be your own boss with the latest state-of-the-art equipment. Easy to operate, guaranteed to out-clean all other systems. Complete equipment packages from $2,995. Call 888-768-6822 or visit www.rotovac.com

SPORTS & RECREATIONBUILD YOUR BUSINESS AROUND SPORTS. Customize sporting goods items. Promotional logos. Screen printing. Embroidery. Custom uniforms. Get started for only $495. Visit www.sportslife.com

TRAVEL

EARN THOUSANDS-TRAVEL FREE! Includes Your Own Travel Website. Only $595. (717)536-3092 www.TheTicketCounter.com

VENDINGLOOKING FOR A KNOCKOUT? Own your own business! Bill operated boxing amusement machines, one of the easiest ways to make cash! Be the first in your area! Call 1-877-562-8363 or visit: www.knockoutvending.com


ORDER A CLASSIFIED ADTo place a Classified Ad in the next issue of HOME

BUSINESS® Magazine, please order online at:

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If you do not want to order online, please clearly

write out your name, company name, address,

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ing regular business hours (9am to 5pm, PST,

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[email protected]


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AD13_HBM0210.indd 1 11/24/09 2:06:55 PMProcess CyanProcess MagentaProcess YellowProcess Black

http://www.rotovac.com

Revolutionary PVC repair and window fog removal technology that is safe, green, easy to learn, backed by a proven business model with a high profi t margin.

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FRANCHISEFRANCHISEBefore After Before After

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Push Cart Business

®®

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home business magazine april 2010

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