August 2013 Issue - Home Business Mag by Home Business Magazine

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Home-Based Business & Opportunity Magazine ® August 2013

ANNUAL SUCCESS ISSUE

$UCCE$$ Profiles of 13 Entrepreneurs

Figure Earners

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Interview: Gwyneth Paltrow— “I do a couple of businesses that I head up. I am dominant in those businesses like my website.”—Pg. 20

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Q: What’s so special about Cartridge World? A: We’re environmentally responsible.

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Every Business is a Potential Customer CEO Describes a Retail and Mobile Opportunity How tough can it be? You sell repeat products that nearly every household and business needs. It costs less than the competition, its eco-friendly, and its 100% guaranteed! Yet Cartridge World, with nearly 600 stores across the U.S. and Canada, still takes the time to find the right combination of skills and background when interviewing new franchisee candidates. This excerpt is from an interview with William Swanson, CEO of Cartridge World North America, the world’s largest specialty retailer of ink and toner cartridges. Q: Bill, what has fueled Cartridge World’s growth in North America. A: Just 10 years ago, we launched the

franchise in the U.S. With our costsavings, environmental benefit and wide customer target, we expanded rapidly. Businesses can save thousands of dollars annually using our products (printer cartridges, printers, paper, etc.). Today, we have two business models – retail and mobile (Cartridge World® and Cartridge World Express™ ). We’re local home and office printing experts.

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Mobile franchise serving B2B customers Q: Let’s talk about the franchise owner... A: Each Cartridge World franchise

is locally owned and operated by an entrepreneur with an appetite to succeed and made a difference in their community. Our network of nearly 1,400 franchise locations include 50 countries around the world.

revenue streams and a need-based product makes Cartridge World very attractive. Whether a franchisee invests in a retail store or mobile business, Cartridge World’s B2B sales opportunities, walk-in traffic, E-commerce platform or a retail rack program have tremendous potential in every neighborhood and business community.

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July/August 2013 14

MARKETING & SALES The Keys for Success. Interview with personal coach Jay Platt on living an unstoppable life.

Facebook…or Face Time?

Lost Sales Leads. Discover four common problems & how to correct them.

From Suffering Loss to Setting and Achieving Goals:

Seven-Figure Entrepreneurs.These thirteen home-based millionaires began modest ventures from garages, tiny home offices, or kitchens and survived and thrived far beyond their financial expectations.

14 20 22

Why business relationships take more than texting, friending, and online “connecting.”

Courtesy of Jay Platt

Contents

Magazine

Home-Based Business & Opportunity Magazine

Personal coach Jay Platt offers tips for overcoming setbacks in business and in life and achieving success.

FEATURES Millionaires in Your Neighborhood. Thirteen Home-Based Entrepreneurs Share Their Tips For Surviving And Thriving In These Economic Times.

HOME OFFICE

Interview with Gwyneth Paltrow. On Iron Man 3, Wearing The Iron Man Suit, Turning 40, Raising Her Children, Being Dominant In Business, and Singing.

50+ Hot Summer Businesses.

Do I Really Need a Lawyer for This? A common sense approach to using attorneys for your home business.

Eight Sure Fire Ways to Fail. Avoid failure as you aspire to achieve career success of any measure.

Check Out This Table of Home Businesses That Offer Opportunities.

Consulting with an Attorney:

Gwyneth Paltrow: Interview with actress Gwyneth Paltrow, co-star of Iron Man 3.

The assistance of competent legal counsel will prepare for and prevent problems in your home business.

WORK-FROM-HOME SUCCESS STORIES

37 48

BUSINESSES & OPPORTUNITIES

Celebrating Fatherhood.

A Modern “David vs. Goliath” Story.

58-59 65-66

Co-owners’ start-up takes on Facebook co-founder and the industry.

49 61

Man creates a clothing line for dads and brings awareness to family issues.

Sporty yet Chic. Woman’s creation puts a stylish twist on the classic baseball cap.

Will Your New Website Design Pay Off? How to know if it’s time to upgrade.

Top Biz Marketplace.

Classified Ads.

New Website, Yes or No?:

Not Just for the Hotel Industry.

Tailored for Women: Carrie Bell

Woman’s business promotes hyper-individualized concierge services across numerous industries.

founded Madcapz — baseball caps for women.

Here is a website design formula to help you make your decision.

MONEY CORNER NEWS AND REVIEWS

10 12 26

Letter from the Publisher.

Book/Product Reviews.

Letters to the Editor & Notice to Readers. Newsstand. Modern fundraising for schools made easy… Cash-driven peer pressure promotes more weight loss... Technology makes gift card programs easier for small businesses… Common start-up struggles and steps to avoid the traps. Hot items for the home office.

Accounting and Invoicing.

Money Corner

Making the “process” less of a “process.”

Ten reasons to integrate your payments environment... The “5 Cs” lenders look for when considering applicants.

Getting Paid: Provide your customers with a quick and easy way to pay you. July/August 2013 | Home Business

Magazine M i Volume 20 Issue 4, July/August 2013 www.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 Writer Suzanne Kearns Feature Interviewer Deborah J. Sergeant Feature Writer Priscilla Y. Huff Graphic Services Will Rabil, Slice, Inc. Production Manager Jon Auld Art Direction Richard Rabil Advertising Sales WESTERN U.S./CANADA: Michelle Dellner Call (949) 240-7529 EASTERN U.S./CANADA: Justina Blackwill Call (949) 290-1941 Ad Sales Assistant Reagan Nilsson Call (949) 300-7718 Distribution Manager Richard Trummer, Curtis Specialized Circulation Bob Kennedy, Cavendish Media Circulation Manager Dennis Porti, Curtis Subscriptions National Subscription Fulfillment Call (714) 693-1866 www.homebusinessmag.com (Click on “Subscriptions” to order.) Subscription Manager Steve Schley Print Manager Kris Hayner, R.R. Donnelley Reprints For high-quality article reprints, any quantity, email Betsy White, The Reprint Outsource, bwhite@reprintoutsource.com Mailing Lists www.homebusinessmag.com (Click on “Mailing Lists” to order) Mailing List Manager Danny Grubert (914) 925-2400 List File Manager Tom Donovan Digital Media Manager Jim Pappadeas, Epsilon Digital Media Internet Marketing Manager Mark Loeffler Website Development Infoswell Media Internet Manager Infoswell Media Social Media Shayla Henderson Customer Service Email: customerservice@homebusinessmag.com Phone: (800) 734-7042

Editorial Gary M. Heller, Natalie Henley, Michael Houlihan, Lawton Ursrey, and others.

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

Print Advertising Home-Based Business Display Advertising: Justina Blackwill: (949) 290-1941 Michelle Dellner: (949) 240-7529 Fax (714) 388-3883 Email: advertise@homebusinessmag.com Classified Ads: See pages in back of magazine. www.homebusinessmag.com/print-magazine-advertising

Online Advertising Advertise at HBM ONLINE, HBM EXPO & Facebook www.homebusinessmag.com/online-advertising

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.

LETTER FROM PUBLISHER

Be a Home-Based Millionaire in the Neighborhood Survive and Thrive Far Beyond Your Financial Expectations very year for the July/August issue, Home Business® Magazine features millionaire success stories. Our main cover story profiles home-based entrepreneurs in the neighborhood who have built up million-dollar businesses. Throughout each year, we keep a file of stories that have millionaire success potential, which have grossed over one million dollars per year in sales and have started out as home-based businesses and/or continue to be run from home. We then pick out what we think are the ones best for this summertime issue. This cover story theme still continues to be an annual favorite of our readers. This year, our cover story You will be inspired by these profiles thirteen home-based thirteen home-based millionaires millionaires who began modest and the tips they share for ventures from garages, tiny home surviving, thriving, and growing in offices, or kitchens that not only these current economic times. survived, despite setbacks and economic downturns, but remained strong and grew to generate million-dollar sales. Even in today’s economic downturn, home businesses in a variety of categories have the potential for million-dollar success. The ventures of the thirteen home-based millionaires profiled fall under the following categories: Brand Marketing, Inventing, Management, Personal Services, Product Sales, Writing, Direct Sales, Business Coaching, and Social Media. If you don’t yet operate a home-based business, you will be inspired by these thirteen home-based millionaires and the tips they share for surviving, thriving, and growing in these current economic times. They are proof that almost anyone with ingenuity and perseverance can start a home business with a million-dollar profit potential, even in an economic downturn. You, too, can start a home-based business in a similar category or in one with which you have experience or knowledge. You can begin by studying a market or industry. Then evaluate and project how that market or industry will be impacted by an economic downturn. Include in your business plan significant content on reacting to and capitalizing from downward economic trends. If you already own a home-based business, take action to ensure its survival and growth in spite of an economic downturn. In addition, search out new related markets that could arise from economic turmoil. Also seek out ways to diversify your current home-based business, such as finding a “complementary business” that you can “cross-market” at minimal additional cost with your existing home-based business. Whether you have a new start-up or an established home-based business, both will capitalize from a home-based business’s greater flexibility and adaptability. Whichever your situation, look at ways to cut costs and trim expenses. You will be surprised how much can still be cut or trimmed from your home business, even if you think you’ve been running as lean as possible. I’ve reiterated the following point every year and I still believe it to be true: The home-based business sector seems to do better when the larger business economy does worse. In other words, the home-based business sector kind of works as a reverse barometer. That said, there is no better time than now to start up or grow your home-based business. You could be the next home-based millionaire in the neighborhood.

“

”

Publisher, Home Business® Magazine

Printed in the United States

Home Business

| July/August 2013

www.homebusinessmag.com

DEAR HOME BUSINESS

Creating the Best Odds for Success When you run a business, there are always some certainties as you look into the future. You know your best competitors will work to become better. You know your customers will demand more. You know you’ll have to work smarter and harder every day to improve your bottom line. You should also know that this year brings with it new taxation and new regulations that may add expenses and affect the way you operate your business. And of course, you face the usual headaches and worries that come with the day-to-day business of “running a business.” However, if you take a long hard look at a few critical pieces and put a plan in place right now, you can have a much more prosperous year. A suggestion would be to break down your planning into what you need to do internally—with processes, employees, yourself, etc.—and what you need to do externally—with customers, marketing campaigns, and so on. Bill McBean Author of The Facts of Business Life: What Every Successful Business Owner Knows that You Don’t http://factsofbusinesslife.com

Create the Soundtrack of Your Sales Career Let’s face it. Success in sales is 90% mental. Success in any type of sales environment depends on being motivated, inspired, educated, and pumped up to perform all aspects of the sales cycle—even the parts your readers don’t like. If they can keep their mindset positive and stay motivated to do the things they need to do every day, they’ll not only make more sales, but they’ll also enjoy doing it. So how do top salespeople keep the proper mindset to continually outperform their peers? Often, it all comes down to the messages they feed their brains. To stay motivated and sell more, the three elements to include in a success soundtrack are as follows: ■ Motivation

as the Board of Directors mandating a reduction in staff immediately. Regardless of the exact scenario, the key trait that will enable you to reposition yourself and thrive after a career setback is your ability to embrace adaptation. Tap into your natural ability to adapt and apply it to your professional life. Three tips to avoid becoming immobilized by fear when change is apparent are: ■ Reflect on your past. ■ Choose to associate with like-minded people. ■ Do scenario planning. Dr. Marty Martin Author of Taming Disruptive Behavior Author of Do You Have Career Insurance?

Mastering Life Balance: Achieving Greatness

■ Inspiration ■ Education Victor Arocho Executive coach and speaker Managing partner, Potential Sales & Consulting group

3 Keys for Adapting to Any Career Change Whether you work for yourself or are employed in an organization, one thing is for certain: At some point your career will change. It could be a gradual change, such as a job or industry slowly evolving or phasing out; or it could be a sudden change, such

People are overwhelmed with the complexities of their own lives and are desperately seeking a way to maximize happiness in their homes and work lives. Priorities for professionals have shifted; now, U.S. workers seek family wellbeing above all else. Companies need to recognize that it’s imperative to positively affect their employees’ lives, both inside and outside working quarters. We need to bring humanity back to business. Leading corporations are aware that most professionals today — 70 percent — would trade a pay raise for an increase in personal wellness. Gary Kunath

We appreciate your feedback and work-from-home success stories for review and consideration. Please send both via e-mail to: editor@homebusinessmag.com, or via postal mail to: HOME BUSINESS® Magazine,

20664 Jutland Place, Lakeville, MN 55044.

Home Business

Entrepreneur, speaker and founder of The Summit Group Author of Life ... Don’t Miss It. I Almost Did: How I Learned To Live Life To The Fullest www.lifedontmissitbook.com

| July/August 2013

Notice to Readers HOME BUSINESS® Magazine is sold as information only. The publisher, United Marketing and Research, Inc., considers its sources reliable and verifies as much data as possible, although reporting inaccuracies can occur; consequently, readers using this information do so at their own risk. The publisher has not done a background check on listed companies (which includes advertisers), nor does it know people at all the companies. The publisher cannot assume any responsibility in any manner for the actions of any of the listed companies, and the publisher cannot guarantee the outcome of any correspondence, arrangements, or subsequent transactions the reader may make with any of the listed companies. HOME BUSINESS® Magazine is sold with the understanding that the publisher is not engaged in rendering medical, legal, financial, accounting, tax, or other professional service. If medical, legal, or other expert advice and assistance are required, the services of a competent qualified professional person should be sought. The publisher, United Marketing and Research Company, Inc., assumes no responsibility for any changes of offers, nor for any companies/ advertisers that may go out of business. All correspondence regarding questions or problems on a company’s (including advertisers) program, products, or services should be directed to the company, not to the publisher. Advertisers and advertising agencies assume liability for all contents of advertising and for any claims arising therefrom. It is up to the user of this publication to investigate the product or service offered, and to make sure the company is reliable and that the product or service meets the user’s requirements. United Marketing and Research Company, Inc., is not responsible for the delivery of merchandise, starter kits, supplies, or other products and services ordered from advertisers. ©1993-2013. 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. Articles appearing in this publication express the opinions, experience, and research of its authors and not necessarily the opinion of HOME BUSINESS® Magazine.

www.homebusinessmag.com

Millionaires In Your Neighborhood F E AT U R E

Home-Based Entrepreneurs Share Their Tips For Surviving And Thriving In These Economic Times By Priscilla Y. Huff

espite a slowly-recovering economy, the number of U. S. millionaires is increasing. Entrepreneurs have begun modest ventures from garages, tiny home offices, or kitchens that have not only survived, but thrived far beyond their financial expectations. They may live beside you or just down the street. Here are some of their inspiring profiles. Their ventures fall under the following categories: Brand Marketing, Inventing, Management, Personal Services, Product Sales, Writing, Direct Sales, Business Coaching, and Social Media. BRAND MARKETING

MILLIONAIRE # 1

Jay Leopardi, Visionary Marketer; Lifestyle and Pop Culture Branding Expert Jay Leopardi, a devoted father and husband, was often labeled the “Bad Boy,” by big names in entertainment businesses in which he had been involved since he was thirteen. So he started “Bad Boy Branding” — branding, developing,

Jay Leopardi is a visionary marketer and lifestyle and pop culture branding expert. 14

Home Business

and producing web designs for companies’ products like Touch Markers, Fuse Science, ChaCha’s new “Social Reactor;” automotive industry moguls; and personalities like “Cedric the Entertainer.” Home-based millionaires began modest ventures from garages, He emphasizes the tiny home offices, or kitchens that not only survived, but thrived importance of relations far beyond their financial expectations. like his tight-knit bond with “The Shark,” Daymond For more information, visit Jayleopardi.com; John, of the television show “Shark Tank,” Badboybranding.com; Whosbig.com. and many of the entrepreneurs launched from that show, like the owner of “Liquid Money INVENTING Cologne,” and others. “Bad Boy Branding” grew rapidly from MILLIONAIRE # 2 clients’ referrals, networking contacts, and Linda Collinson, founder, LaCrista, Inc. Tired of problems caused by her sensitive his own productions. Leopardi still works from home, and from offices in Miami and skin, Linda Collinson researched and literally New York City. He adds, “I’m also often in in her kitchen sink mixed a combination Los Angeles helping celebrities market new of pure ingredients, creating chemically-free lotions, soaps, and moisturizers. Noticing clothing lines, technology, or movies.” Leopardi offers clients parts of, or her beautiful skin, friends asked Collinson combinations of his “In the Tank” consulting for samples, so she bottled her skin care services of video, film and television formulations and began selling them under the commercial productions; Internet marketing company name, LaCrista, (“the best” in Latin). Collinson found a laboratory to bottle her services; and web development. “I tell clients, just one mistake can ‘kill’ their businesses, first product, a natural moisturizer, but no so they often hire us for the entire branding- retailers would carry them without a UPC label. She says. “I had no manufacturing marketing process.” He advises entrepreneurs to find good background, but I just did it!” After repeatedly lawyers and offer them a revenue percentage calling Izzy Cohen, founder of Giant Food in exchange for legal services that he says will stores, he met with her and market-tested her actually save entrepreneurs money, and give products. They sold well enough to be sold in them more time to grow their businesses. both Giant, and then Safeway stores. Wal-Mart Leopardi adds, “If you are going to fail, fail sold them, too, after Collinson made a sales fast! Otherwise, it will take you and your house presentation to 4,000 people and David Glass, down. The more times you are broke, the more head of Sam’s Club at the time, who was there successful you will be financially; that is, IF for a ‘Made in America,’ program. Television appearances, talks, and you have LEARNED from your mistakes.” “Keep the words ‘greed’ and ‘money’ newspaper coverage, including a Washington out of your vocabulary and statements Post feature, were Collinson’s best marketing like, “What’s in it for me?” he says. “Be tactics. “Operating the business from home with passionate about your work, but be willing to share success tips with others, because it two small children was hard work,” she says, Continued on page 16 will always come back to you in the end.”

| July/August 2013

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F E AT U R E

Millionaires in Your Neighborhood Continued from page 14

“so after a lucrative offer, I sold LaCrista.” With recent trends for natural products, though, Collinson may revive LaCrista. In the meantime, Collinson’s son, Budge, has hired her to help him in his business, selling “Youth Infusion,” a vitamin-mineral drink with no preservatives, sugar, or artificial flavors. “Start your business from even a little cubbyhole in your home. If it succeeds, then you can move elsewhere,” says Collinson. “I started LaCrista out of need. I was educating and helping people because I went through a terrible time, and I was just fortunate it worked out.”

For more information, visit www.lacrista. com/; www.drinkyouthinfusion.com. MILLIONAIRES # 3, #4, and #5

Vincent Porpiglia, Founder, David Lekach, Co-Founder, and Joseph Lekach, Executive VP of Sales – Dream Water One sleepless night while in college, Vincent Porpiglia, a lifetime sufferer of sleeping problems, came up with the concept of a natural, effective liquid that would help him and countless others relax and sleep. “I was not satisfied with the current market place sleep aids, and the associated side effects,

Linda Collinson is the founder of LaCrista, Inc., which produces natural skin care products.

so the idea for Dream Water was ‘born,” said Porgpiglia, one of the company’s founders. “Dream Water is a natural, liquid shot with no-preservatives or calories, helping users relax, fall sleep, and improve their quality of sleep.” Since its inception in 2009, Dream Water has established a nationwide presence in some 35,000 stores, including Wal-Mart, Walgreens, Target, and CVS, and also in over 1,000 airports. Joseph Lekach, Executive Vice President of Sales, discovered a unique distribution method into stores to compliment what they were already doing directly with the retailers. “Now we’ve been able to secure great chain-wide deals and programs at many major retailers,” he says. David Lekach, Co-Founder, and CEO, is proud he and his partners created and developed the first mainstream sleep aid that has helped so many get much-needed rest. Sampling to potential customers so they can experience the positive benefits of Dream Water first hand is their best marketing tactic. This method typically results in referrals to the users’ friends and family network, thus creating additional buzz. Joseph says, “With sleep issues being so prevalent now days, everyone like me (in my mid-twenties) to my grandmother can use Dream Water as a natural and healthier alternative to those other products on the market.” At the start, all three worked from home, liking the savings Home Business

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speechless all the time.” For more information, visit www.DrinkDreamWater.com. MANAGEMENT

MILLIONAIRE # 6

Robert D. Smith, “THE [ROBERT] D”

Vincent Porpiglia, David Lekach, and Joseph Lekach are the Founder, Co-founder, and Executive VP of Sales for Dream Water, a mainstream sleep aid.

and the flexibility it gave them. Even with a Miami office, they still do catch-up and concentrated work from their homes. Porpiglia advises to set boundaries when working from home: “Create a designated work space, so everyone, including yourself, knows that when you are sitting in that chair, you mean business.” Having more and more people try Dream Water is the company’s goal. “We know if we are helping more people sleep, our business is growing…,” says Porpiglia, and “to come up with an idea one night and see it grow quickly into a multi-million dollar company leaves me

Thirty years ago, when Robert D. Smith (aka, “The Robert D”) started First Image, an artist management company, his friend, Andy Andrews, an aspiring comedian, asked Smith to be his manager. “I wanted to start a business, so I said I’d help him out until he found someone else to direct his career. Thirty years later, I’m still his manager, and he’s now a New York Times best-selling author.” Until Smith recently released his own book, 20,000 Days and Counting, he says Andrews was the only author or speaker he had ever managed! Smith says their best promotional method is giving away his and Andy’s books. He believes Andrews’ first book, The Traveler’s Gift, made the New York Times’ bestseller list for seventeen straight weeks, because Smith sent out hundreds of personalized books and letters. “Eventually, Good Morning America’s Robin Roberts read a copy…and they had just started a book club. Guess what the second book they picked was?”

Robert D. Smith, “THE [ROBERT] D,” is a consultant, artist management, speaker, and author.

Going into a “work” mode without even having to leave his home, is what Smith likes about being home-based. He says his best customers are those who have decided that they no longer want life to just be something that happens to them. “They are ready to step up, take control, and create the lives they want to live.” After being rejected 51 times, Smith is proud Continued on page 18

July/August 2013 | Home Business

Millionaires in Your Neighborhood Continued from page 17

he got Andy Andrews’ book, The Traveler’s Gift, published and on the best seller list. He concludes with an excerpt from his article, “7 Things Every New Entrepreneur Must Know.” “Never lose sight of what makes every business successful — people. You are now officially

in the people business. Congratulations!” For more information, visit TheRobertD.com; AndyAndrews.com. PERSONAL SERVICES

MILLIONAIRE # 7

F E AT U R E

Robin Wilson, CEO, Robin Wilson Home

Robin Wilson is the CEO of Robin Wilson Home, which provides home design consulting.

After realizing a financial windfall, Robin Wilson left her corporate job and fulfilled her dream of getting a Master’s degree in real estate finance. She learned early on growing up in Texas and suffering with allergies and asthma, how interior toxins affected one’s health. Acquiring design concepts from her grandfather who was in the real estate profession, “It became easy to apply those experiences and the desire to express my creativity in a design and construction business.” Begun as a project manager in 2000 for construction projects, Wilson’s firm transitioned into a multi-service company serving residential and commercial clients and with developer projects. “We are a lifestyle brand that handles a few interior design projects annually. We license our brand name to retail products; market our brand to consumers; and educate consumers about the eco-friendly options for their homes and lifestyles.”

Riley Goodman and Jake Director are Co-Founders of Strideline ™, which sells crew sports socks.

Social media and speaking engagements are Wilson’s most effective marketing tactics, and word-of-mouth brings her best customers: “those who are concerned about their homes’ aesthetic beauty and their families’ health.” With a virtual home office setup, she likes balancing motherhood and work. “I’m still able to consult with team members in various locations.” Wilson is understandably proud of her company’s progress: how her company’s rebranding enabled it to break even in five years; mentoring young interns; and starting a webisode series featuring her CEO to CEO/ Mommy transition. With future plans to license to new product lines with her Robin Wilson Home brand, she would also like to speak to more organizations interested in women’s leadership, wellness, and work-life balance issues. Her advice for entrepreneurial success: “Work smarter, not harder,” and “What would you attempt to do if you knew you could not fail? For more information, visit www. RobinWilsonHome.com. PRODUCT SALES

MILLIONAIRES # 8 and # 9

Riley Goodman and Jake Director, Co-Founders, Strideline ™ Riley Goodman and Jake Director really have been lifelong partners. Being born in the same hospital, playing together in sports, and attending the same schools, these University of Washington seniors are co-founders of a growing business, Strideline™. Combining their high school graduation gift monies to fund Strideline ™, they produce and sell crew sports socks with colorful designs of different cities’ skylines to young, “fashion-forward” athletes. Riley says, “We found a manufacturer online and drew our first design on a sock with permanent marker and sent it to an overseas mill.” In 2012, they raised $250,000 in investment capital, and also hired a designer, accountant, and a national sales team. They also won The Arthur W. Buerk Center of Entrepreneurship Milestone Award at the 18

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| July/August 2013

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well-known personalities and sports stars such as “Snoop Dog,” and Marshawn Terrell Lynch of the Seattle Seahawks wear their socks has also helped increase national sales. Strideline socks are available on their website and at small and larger retail outlets like LIDS® stores and Nordstrom stores. These enterprising friends-partners say, “If we accomplish this year’s goal to roll-out our sales program across the U.S in time for the holiday buying season, we should have no problem hitting our sales goal of $2.5 million for 2013.” For more information, visit www.strideline.com. Michael Levin is an author and the CEO of BusinessGhost, Inc., which provides ghostwriting services.

WRITING

MILLIONAIRE # 10

UW — receiving a $25,000 grant and a team of mentors to lend support. Strideline has always been home-based: from the partners’ childhood bedrooms, to a college fraternity house, to the house they now share with eleven other guys. Their “market manager program,” a grassroots approach of selling from booths at sports tournaments in featured cities, is their most effective marketing method. Having

Michael Levin, Author and CEO, BusinessGhost, Inc. Michael Levin, CEO of BusinessGhost, Inc., was a broke, “starving writer,” even after Simon & Schuster published three of his acclaimed novels. When a mentor suggested he teach writing classes to make money, he says, “People also hired me as a consultant, often asking me to write books for them…and from there, BusinessGhost began and has evolved.” Word-of-mouth referrals bring Levin the Continued on page 56

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Interview with Gwyneth Paltrow On Iron Man 3, Wearing The Iron Man Suit, Turning 40, Raising Her Children, Being Dominant In Business, And Singing

his woman may be made of iron. Despite the chilly spring weather, Gwyneth Paltrow is wearing a white summer dress with half-open back, tied at the waist with a slightly kinky black strap. She seems unfazed by the breakneck interview and conference schedule that does not leave much time to breathe. Her demeanor is gracious as ever, the glance of her bright blue eyes alert, her posture impeccable. So it is only logical that she gets to wear the suit of the eponymous hero in the third Iron Man movie. Still, in real life, it is other battlegrounds that the 40-yearold is proving herself, first and foremost the education of her children. Question (Q): How was it turning 40 last

year? Gwyneth Paltrow (GP): It was great. It’s

been amazing. I really took stock in my life, and I feel really grateful. I can’t imagine my kids won’t do something in music, they are so inclined that way. It’s a hard job to be successful at and maintain success, but it’s also a worthwhile pursuit. Q: Have you personally changed since the first

Iron Man movie? GP: I lived a lot of days, raised my kids. I don’t feel my life is transformed since I started the movies. But we have all grown up a bit. But playing Pepper has been this amazing thing to keep going back to. I always look forward to when it’s time to do these movies, because

it’s a really good professional experience. What is the major difference between doing a franchise that you keep coming back to or a movie that’s completely fresh and new?

GP: It makes it so easy. You

Courtesy of Reuters

F E AT U R E

By Francesca Orsini / The Interview Feed

played the character before, “I really understand my place in the world and what I’m doing.” it does not require a lot of research or thought, because I have done that. The best way to know a character is to play her, and I have played her so many times. It’s a very easy …it’s important to bring process. In every movie, there is some change and growth, and that’s always the interesting a certain levity, to have fun part to explore.

“

Q: Pepper Potts can be quite dominant. Are you

personally dominant in a relationship?

“

– Gwyneth Paltrow

”

professional life —I do a couple of other businesses that I head up. I am dominant in those businesses, like my website (www.goop.com). But in a personal way, I am very equal with the people that I relate to. My children are dominant over me. Q: You do get to wear the Iron Man suit in the movie — do you think it’s time for Iron Woman?

fun for me. We had talked about Pepper doing that for a couple of movies, and so in this movie when I realized that I was going to wear the suit, I was thrilled. It’s such a boy thing to do; it’s such an iconic thing. It was great. I really enjoyed being in the suit and doing all the action. It was a nice departure for Pepper. Q: Do you take yourself always seriously? Can

you laugh about yourself? GP: Yes, of course. I have a real routine with

my kids, I’m a mom. We are always joking

Home Business

”

– Gwyneth Paltrow

GP: I would not say that. In my private

GP: In this film, I get to do that; it was really

The best thing I can recommend to mothers is to support other mothers and not judge them for the choices they make.

and make fun of yourself and make jokes.

| July/August 2013

around. And in my professional life, too. I am very dedicated, and I work very, very hard. But I also think it’s important to bring a certain levity, to have fun and make fun of yourself and make jokes. Q: You come for a family of actors and artists.

Has there ever been a point where you wished for a “regular“ family life that had nothing to do with the arts? GP: I was really lucky, because my education was very traditional and academic. And then my home life, there were a lot of artists. My parents really believed in traditional education, so I think I got the best of both. We are raising the kids in a similar way, a more traditional education. But at home, they get all the free thinking, art, and music. Q: Is there anything that upsets you? Because you seem always so well-balanced... Continued on page 64

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Address 1055 West Hastings, 8th Flr., Vancouver, BC, Canada V6E 2E9 N19W24075 Riverwood Dr., Ste 100, Waukesha, WI 53188 3050 Red Hill, Costa Mesa, CA 92626 2121 Vista Park Way, West Palm Beach, FL 33416 3106 N US Hwy 12, Spring Grove, IL 60081 24333 Penhollow Ct, Punta Gorga, FL 33955 950 Wellington Ave., Cranston, RI 02910 2250 Butterﬁeld Dr, Ste 240, Troy, MI 48084 P.O. Box 702, Sturgis, MI 49091 7640 Rainview Ct, Dayton, OH 45424 32 Timothy Lane, Tinton Falls, NJ 07724 245 W. Carl Karcher Way, Anaheim, CA 92801 411 W Main St, Washington, NC 27889 888 Newark Ave., Ste 223, Jersey City, NJ 07306 10043 New Salem Road NE, Pleasantville, OH 43148 8148 Raven Rock Dr, Indianapolis, IN 46256 3849 Acline Road Unit 108 Bldg 3, Punta Gorda, FL 33950 4236 Grissom Dr., Batavia, OH 45103 1517 Makiki St. #807, Honolulu, HI 96822 142 State Route 34, Holmdel, NJ 07733 2850 Vicksburg Lane., Minneapolis, MN 55447 P.O. Box 7530. PMB 49, Yelm, WA 98597 Four Concourse Pky, Ste 200, Atlanta, GA 30328 9811 W. Charleston Blvd., Ste 2-762, Las Vegas, NV 89117 202 Bridge Street, Jessup, PA 18434 3221 San Fernando Rd., Los Angeles, CA 90065 3345 Vincent Rd., Pleasant Hill, CA 94523 16162 Bristol Pointe Dr, Delray Beach, FL 33446 424 Neosho, Burlington, KS 66839 4510 W. 89th St., Ste 110, Prairie Village, KS 66207 1007 North Federal Hwy. #83, Ft Lauderdale, FL 33304 P.O. Box 677, Bath, OH 44210 1208 N. Ward Street, Tampa, FL 33607 3245 W. Main St. #235-117, Frisco, TX 75034 17905 Bothell Everett Hwy, Mill Creek, WA 98012 P.O. Box 923, Chesterﬁeld, MO 63006 P.O. Box 5040, St. Marys, GA 31558 15330 N Hayden Rd, Scottsdale, AZ 85260 13100 56th Court, Ste 701, Clearwater, FL 33760 9059 Springboro Pike, Miamisburg, OH 45342 1455 Old Bridge Rd., Woodbridge, VA 22192 POB 971, Reno, NV 89504 23100 Miles Rd, Cleveland, OH 44128 1305 Hope Mills Rd. #A, Fayettesville, NC 28304 6220 Hazeltine National Dr., Suite 118, Orlando, FL 32822 1968 130th Ave NE, Bellevue, WA 98005 1020 N University Parks Dr, Waco, TX 76707 73 Clermont Lane, St Louis, MO 63124 7905 N. 71st Ave., Glendale, AZ 85303 P O Box 28412, Columbus, 43228 4902 Carlisle Pike #402, Mechanicsburg, PA 17055 916 26th Ave. NE, Minneapolis, MN 55418 N/A, P.O. Box 794, Tonasket, WA 98855

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Phone Number Website (604)637-3254 www.1800gotjunk.com (800)441-9411 www.ahit.com (877)626-2538 www.anajet.com (866)257-6025 www.billboardconnection.com (815)321-4415 www.CartridgeWorld.com (941)639-4520 www.endcracks.com (800)827-7779 www.cruisingfree.com (248)283-8834 www.globalcfos.com (800)472-4077 www.fairwayminigolf.com (937)387-2939 www.frontlinelasers.com (732)578-1287 www.funbuses.com (888)458-8552 www.GarageExperts.com/franchise (252)509-4423 www.generationsdjs.com (888)212-4733 www.BeAGreenirene.com (740)467-3096 www.holisticpetfoodplace.com (800)660-8273 www.homevideostudio.com (888)999-9030 www.hygienitech.com (800)642-9790 www.kaeser-blair.com (800)530-9617 www.kyanihawaii.com (866)529-6362 www.lawndoctorfranchise.com (800)228-8305 www.lilorbits.com (360)894-0784 www.ManyPeopleNeedThis.com (800)722-6243 www.maidbrigade.com (877)877-9129 www.mediconeacademy.biz (570)489-8623 www.minigolﬁnc.com (800)888-8148 www.ninjajump.com (800)788-6682 www.novachromeusa.com (561)495-9294 www.onthespotnetwork.com (620)364-5500 www.outdoor-connection.com (888)389-8203 www.paceproducts.com (347)927-7667 www.postalmoneyordersystem.com (330)825-0624 www.recyclecat.com (855)309-7422 www.printinginabox.com (760)290-3166 www.workparttimelivefulltime.com (877)467-6868 www.rotovac.com (314)698-8699 www.source4signs.com (912)882-8190 www.recoverycourse.com (480)658-0760 www.southhilldesigns.com (727)592-0418 www.sprayonchrome.com (888)207-9820 www.sportsimageinc.com (800)909-5433 www.sportslife.com (480)432-6378 www.cosmichomebusiness.com (866)663-6566 www.stonetofoam.com (800)633-6395 www.storknews.com (866)557-7497 www.superglass.com (800)224-7224 www.airbagservice.com (800)638-9851 www.leadingtheserviceindustry.com (314)994-1382 www.theinstantconcierge.com (866)932-5353 www.tmttilebiz.com (614)535-5726 www.pooper-scooper.com (800)309-4345 www.theticketcounter.com (612)605-9203 www.franchise.thetravelingphotobooth.com (830)200-0038 www.whileawayservice.com (888)988-8663 www.discoveralkalete.com

Start-Up Costs $90K-$120K $1K-$6K N/A $42K-$45K $65K $965-$1,895 $0 $62,150+ $75K+ $7,000 $68K-$75K $6,500 $15,000 $450 $250 $129.9K N/A $85 $40 $77.1K-$79.7K $5K $200 $62.9K-$142.9K $5K-$10K $5.9K $1,275 $750 <$10,000 $6.5K-$12.5K $70 $150-$3,500 $0 $99-$1,999 N/A $2,995+ $100 $155 $29.99 $3K-$10K $29.7K-$40.2K $495 <$5K $60K-$80K $13K-$18K $9.9K-$31K $45K-$90K <$52K $399 $50K $250 $129 $20,000 $70 $40

Company Started 1989 1992 N/A 1986 1988 2002 1972 2000 1990 N/A 2001 2009 N/A 2007 1999 1991 1999 1894 N/A 1967 1974 2011 1979 1988 1981 1993 1978 2004 1988 1958 2005 1991 1998 N/A 1996 2010 1997 2012 2000 2002 1992 1991 1996 1983 1992 1992 1981 N/A 2000 1998 1992 2008 N/A 2009

Business Number 317 25 N/A 93 1,400 1 N/A 1 225 10 31 19 4 650 10 30 857 2,200 26 457 15 N/A 454 2 3,035 1 3,000 60 98 5,000 2 N/A 500 N/A N/A N/A 407 N/A N/A 14 1,000 N/A 75 140 264 28 36 15 2 300 N/A 11 N/A 1

Type of Business F L S M F F, SB, DS D IA D F D DS L F F L DR L F M MLM DR W MLM F L D DR W MO DS IA DS F M DS MLM DS IA F S SB IA M L M DR M W DS D F D MLM DS IA F W SB DS MLM D DR M D L S DR MLM DS IA E M F D DS L DS D DR F F F F IA M DS D IA F D DR W MLM DS IA

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START-UP A HOME-BASED BUSINESS THAT WILL HEAT UP YOUR SUMMER CASH FLOW. Type of Business: D = Dealer, DR = Distributor, L = Licensor, F = Franchise, M = Manufacturer, W = Wholesaler, DS = Direct Sales, MO = Mail Order, S = School, SB = Service to Business, MLM = Network Marketing, IA = Independent Agent Training Provided: M = Manual, V = Video, ON = Onsite, HQ = Headquarters, I = Internet Support Provided: $ = Financial, MK = Marketing, ON = Onsite, HQ = Headquarters, T = Technical, S = Sales Leads, I = Internet Support, O = Ongoing, M = Meetings Mobile: = Business is Home-Based and is Operated Primarily Outside of the Home. Start-Up Costs: K = $1,000 N/A = Information Not Available

Training Provided M V ON HQ I M V ON I M V ON HQ I M ON HQ I M, V, ON, HQ, I ON HQ V ON HQ I M ON HQ ON M M V ON HQ I M V HQ M HQ MV I M V ON I M V ON HQ MV I M V ON HQ I M V ON HQ I M V ON HQ I M V HQ V I V M V ON M ON HQ I M V HQ M ON HQ HQ M V ON HQ I MV M I M M V ON HQ I V HQ M V ON HQ I M M I M HQ I M V HQ M V HQ I M I MV M HQ I M HQ M V HQ I M V HQ I M V ON HQ I M M V ON HQ I M MV I M ON HQ I M V ON HQ I

Support Provided MK HQ T S O M $ MK T I O MK T I $ MK ON HQ T S I O M MK, ON, HQ, T, S, I, O, M $ MK HQ T O MK HQ I O M MK HQ S I O MK O T $ MK ON HQ S I O M MK HQ T S I MK HQ T I O MK T S I O MK I O M $ MK ON HQ T S I O M $ MK T S I O $ MK ON HQ T I O M ON O M $ MK HQ T O M MK HQ T I O MK T S I O $ MK HQ T I O M $ MK ON S I O MK HQ I O MK HQ T I M $ HQ T O MK T MK HQ T I O M MK HQ T S O MK T S I T I MK ON HQ T I O M MK HQ T S I $ MK HQ T O T MK T I O MK HQ S I M $T $ MK HQ T S MK HQ I O M T I O $ MK T S O M $ MK HQ T I O M $ MK HQ T O $ MK HQ T O MK ON HQ T S I O M HQ T $ MK HQ T I O I MK T I O $ MK ON HQ T S I O M MK S I MK ON HQ T S I O M

Description & E-Mail Junk removal service. Full-service. Mobile. linda.wang@1800gotjunk.com Open a home inspection business or provide valuable contribution to an established inspection group. Full training. Mobile. cscherer@ahit.com Print decorative graphics directly on t-shirts, aprons, mouse pads, towels & other promotional products. Huge selling market. info@anajet.com Home-based advert agency specializing in outdoor advertising to include billboards, malls, airports, transit, stadiums & more. Mobile. franchise@billboardconnection.com Highly profitable, eco-friendly products every business needs monthly: Ink & Toner Printer Cartridges. Mobile. FranchiseInfo@CartridgeWorld.com Expert repair of cracks in concrete. Large untapped market. Proven repair methods. Mobile. skipmcti@aol.com Operate all aspects of a cruise business including cruise lines, ships, & destinations. Travel opportunities. 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July/August 2013 | Home Business

Koop,Koop, In theInMoment the Moment Photography Photography Phototgraphy Phototgraphy by: Valerie by: Valerie

BY BRIAN BIANCA BY BRIAN BIANCA

GOODBYE, measly MLM income. GOODBYE, measly MLM income.

HELLO, HELLO, $60,000 $60,000 PER PER MONTH. MONTH. SEE THE SYSTEM THAT SEE THE SYSTEM THAT

CHANGED CHANGED THE THE LIVES LIVES

OF THIS “ONCE BROKE” COUPLE. OF THIS “ONCE BROKE” COUPLE.

W W

e’ve all had weekday mornings when we open our eyes before sunrise and want e’ve all had weekday when opencovers our eyes before sunrise and want nothing more than tomornings stay under thewe warm to continue that wonderful nothing more than to stay under the warm covers to continue that wonderful dream that was so rudely interrupted by the blare of the alarm clock. Thing is, we dream was soand rudely interrupted by the blare of alarm clock. is,day we can’t. Most of us crawlthat out of bed begin the agonizing process of the getting ready for Thing another can’t. Most of us crawl out of bed and begin the agonizing process of getting ready for another day at the office. As much as we wish we could, we can’t just roll over and drift back to sleep. at the office. As much as we wish we could, we can’t just roll over and drift back to sleep. AaronandSophiaRashkincan—anddo.Afterstartinganonlinehomebusinesslastyear,thecouple’ s AaronandSophiaRashkincan—anddo.Afterstartinganonlinehomebusinesslastyear,thecouple’ lifestyle was transformed into one of those fantasies most people only dream about while they sleep.s lifestyle wasSophia transformed into oneofofthousands those fantasies mosttucked peopleaway onlyindream about while they sleep. Aaron and have hundreds of dollars the bank, a thriving business Aaron and Sophia have hundreds of thousands of dollars tucked away in the bank, a thriving business that continues to soar, and two boys who get their parents’ undivided attention every single day. that“Our continues soar, andistwo boys wholife-changing, get their parents’ undivided every single day.can say new to business completely ” Aaron says.attention “How many people “Our new business is completely life-changing, ” Aaron says. “How many people can say they wake up every morning without the financial pressure of today’s economy?” they wake up every morning without the financial pressure of today’s economy?” Things weren’t always so nice for the Rashkins. Aaron and Sophia were top leaders in a Things weren’t always so nice for the where Rashkins. Sophiatowere top aleaders inofa traditional network-marketing company they Aaron workedand tirelessly achieve lifestyle traditional network-marketing company where they worked tirelessly to achieve a lifestyle of total independence. Unfortunately, the hard work wasn’t paying off. Though the couple was total independence. Unfortunately, the hard work wasn’t paying off. Though the couple was

among the top earners in the company, they quickly found out among the “top top earners company, they quickly found out the phrase earner”in is the relative. the“We phrase “top earner” is relative. worked our tails off but weren’t making the kind of “We we worked our” tails offsays. but weren’t makingchecks the kind of money wanted, Aaron “Our monthly were money we wanted, ” Aaron says. “Our monthly checks were just enough to cover the mortgage, and we were among the just to cover the and” we were among the moreenough successful people inmortgage, the company. more successful people in the company. It wasn’t just the money that had” Aaron and Sophia It wasn’tThere just was the something money that and Sophia frustrated. far had moreAaron valuable at stake— frustrated. There was something far more valuable at stake— time with their children. The Rashkins put in countless hours time children. The Rashkins put in countless everywith weektheir building their network-marketing business,hours and every week building their network-marketing business, and it came at a price. They desperately wanted more time with it came at a price. They desperately wanted more time with their eight-year-old son and had another baby boy on the way. their son and another baby boy on the way. Aaroneight-year-old and Sophia knew theyhad needed a change. Aaron and Sophia knew they needed a change. “Our business ate up all of our time and caused a lot of “Our business up weren’t all of our time and caused a lot of stress, ” Aaron says.ate“We able to bond with our boys stress, ” Aaron says. “We weren’t able to bond with our boys because we were always doing business. For the amount of because wemade, were italways For the amount of money we wasn’tdoing worthbusiness. it.” money we made, it wasn’t worth it. ” But today, life is very different—no cold calls, no hitting up But today, life is very cold“It’s calls, no hitting up family and friends, and different—no no home parties. a real business, family and friends, and no home parties. “It’s a real business, and it earns real income,” Aaron says. andAaron it earns income, ” Aaron says. andreal Sophia’s new business has given them the lifestyle Aaron and Sophia’s new business hasdigits givenon them themonthly lifestyle they’ve always wanted. There are five their they’ve always wanted. There are five digits on their monthly paycheck, and with a business that’s growing every day, it’s paycheck, with atobusiness that’s growing day, it’s easy for theand Rashkins take a few weeks off hereevery and there to easy for the Rashkins to take a few weeks off here and there to relax at home or go on vacation. In the past year, they’ve visited relax at home or go on vacation. In the past year, they’ve visited the Dominican Republic, Lake Tahoe, Austin, Las Vegas, San the Dominican Republic, Lake Tahoe, Vegas, Diego, New York, and Florida, and so Austin, far, theyLas have tripsSan to Diego, New York, and Florida, and so far, they have trips to Asia, the Greek Islands, and Hawaii scheduled for 2011. Asia, theimportantly, Greek Islands, andtheir Hawaii scheduled foranext year. More though, family never takes backseat to More importantly, though, their family never takes a backseat to work. The couple has breakfast with their two boys every morning,

work. The couple with theirnanny two boys every morning, and because they has canbreakfast afford a full-time to take care of their and because they can afford a full-time nanny to take care of their youngest son, Aaron and Sophia are able to attend every event at youngest son, Aaron and Sophia are able to attend every event their older son’s school—something few other parents can do. at their olderand son’sSophia school—something few situation other parents do. to Aaron stress that their isn’tcan unique Aaron and Sophia stress that their situation isn’t unique them. “Anyone with a sincere desire to be successful, who to is them. with sincere desire to be successful, who is willing“Anyone to put forth theaeffort, can achieve their dreams through willing to put forth the effort, can achieve their through this business. We have countless members ondreams our team who this business. We have countless members on our team who are experiencing life-changing results in a timeframe that’s are experiencing life-changing results in a timeframe that’s worth getting excited about,” Sophia explains. worth getting ” Sophia explains. “There are excited so manyabout, people making big-time money here “There are so many people making here right out of the gate,” Aaron adds. “Whatbig-time took us money five years to right out of the gate, ” Aaron adds. “What took us five years to make in our previous company we made in less than a year make in our previous company we made in less than a year here. There are team members six and seven months into the here. There areare team members and they seventhought monthspossible. into the business who earning moresixthan business who are earning more than they thought possible. This business is the real deal.” T This business is the real deal.” T Go to www.YourHomeBusinessPros.com or call Go to www.YourHomeBusinessPros.com call 888.879.4441 to learn more about the orhome 888.879.4441 learn moreand about theRashkin home business that to allows Aaron Sophia business that with allows Aaron and Rashkin plenty of time their family andSophia has eliminated plenty of time worries with their their ﬁnancial forfamily good.and has eliminated their ﬁnancial worries for good.

Reprinted with permission from Home Business Connection magazine

costs while also improving the health of employees,” says lead author Jeffrey T. Kullgren, M.D., M.S., M.P.H., health services researcher in the VA Center for Clinical Management Research and the division of general medicine in the U-M Medical School. For more information, visit www.HealthyWage.com.

N E W S S TA N D

Technology Making Gift Card Programs Easier For Small Businesses

B As cloud-based and mobile POS systems become more affordable for small businesses, the world of gift-card programs is opening up for small business.

Modern Fundraising for Schools Made Easy

new program that teams businesses up with parent groups to raise money for schools is working. Already, more than 10,000 schools have signed up, and merchants are lining up to participate. Stacey Boyd is the brains behind Schoola.com — a Groupon-type business program specifically for education; giving moms, dads, PTAs, and PTOs a new platform to partner with local businesses and raise money online! Already money has been raised for schools in nearly every major city, from NYC to Los Angeles. Businesses and merchants team up with parent groups to create a deal. Schoola.com hosts and facilitates the fundraiser online, giving supporters the tools to share it with parents and the community. Schoola.com handles the purchases, fulfillment, and sending of checks to merchants and schools. It’s modern fundraising made easy. And businesses are benefiting. For more information, visit Schoola.com.

Cash-Driven Peer Pressure Promotes More Weight Loss

eight loss wagering initiatives and diet contests offering monetary rewards to those who meet weight goals over other cash-contenders are all the rage among individuals and employee groups, alike, with both women and men partaking in these profitable pound-shelling programs. There are compelling findings from a first-of-its-kind collaborative study cited by HealthyWage (www.HealthyWage.com). To date, more than 100,000 individuals and more than 500 companies and organizations have participated in HealthyWage’s innovative and effective wellness programs, which have facilitated multiple 100+ pound weight loss/financial gain success stories. “We anticipate more employers to offer these awards in an effort to help control health care

Home Business

| July/August 2013

randed gift cards have proven to be a boon to big retail and restaurant chains, generating sales and bringing in new customers, but small businesses typically missed out on this marketing tool because of cost and technology constraints. Gift cards have proven to drive new business as existing customers typically give gift cards to family members and friends who are unfamiliar with a business. Existing customers appreciate the opportunity to spread the word about stores they love, and family or friends get hand-delivered marketing messages and funds to shop at stores they may not have visited before. Only about 10% of small businesses offer gift card programs because the technology can be expensive and hard to integrate with less sophisticated small business point of sale (POS) technology and cash registers. The small businesses that do offer gift programs typically offer paper gift certificates, which offer their own challenges in accounting and management. But as cloud-based and mobile POS systems become more affordable for small businesses, the world of gift-card programs is opening up for small business owners. For instance, NCR Silver’s new gift card update to its small business mobile POS system makes loading, accepting, and managing gift cards as easy as taking credit card payments. This gives small business owners easy and affordable ways to create powerful business-building gift card programs with their mobile POS. For more information, visit www.ncr.com.

Common Start-Up Struggles and Steps to Avoid the Traps History tells us that start-up businesses struggle from both lack of strategic planning and organization and from being more reactionary than proactive. The following is a three-tier approach that entrepreneurs should follow when first starting out: 1. Plan: Develop a strategic plan. How are you going to get from point A to point B? The plan will be living documents that grow with you. Develop a financial plan that encompasses anything from budgeting to tax planning. Plan for your numbers — don’t let your numbers control you. 2. Manage: Manage your people, processes, and systems. Again, manage your numbers. Set up an accounting system to track and measure on an ongoing basis. 3. Measure: Compare how you are performing against your plan and goals frequently. Develop Key Performance Indicators (KPIs) that give you a quick check on the health of your business and your progress towards goals. Financial expert Adam Shay is the owner of North Carolinabased accounting firm Adam Shay, CPA, PLLC. www.wilmingtontaxesandaccounting.com

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Jay Platt on the Keys for Success Living an Unstoppable Life

F E AT U R E

By Deborah Jeanne Sergeant

veryone experiences barriers and setbacks in life. Some are more life-altering than others. For Jay Platt, von Hippel Lindau, a cancer-related syndrome, forced him into medical retirement from his career in the Marine Corps in 1998. Platt suffered brain and spinal tumors, kidney cancer, and the loss of his left eye. He felt angry and cheated of the life he had anticipated. But once he accepted his loss, Platt decided to challenge himself by setting extraordinary physical goals. He became one of 300 to hike the entire 2,100-mile southbound Appalachian Trail; one of three to swim from Alcatraz Island to San Francisco with hands and feet tied; and the only person to swim across the Mississippi River while blindfolded, handcuffed, and shackled. Today, Platt offers personal coaching. He spoke with Home Business Magazine recently about keys for success. Home Business Magazine® (HBM): How

does fear hinder success? Jay Platt (JP): Fear actually holds us back more than any other thing. It’s usually the fear of the unknown, especially for a home-based entrepreneur. Oftentimes, we start making things up that can go wrong. HBM: How can entrepreneurs overcome their

can be broken down into steps and can be accomplished. Once you fully commit, all sorts of things will fall into place. HBM: What are your greatest tips

for success? JP: The number one thing I find as a personal coach is to get people to be really clear about “what” they want and “why” they want it. The “why” is more important than the “what.” Be clear, have courage, and be committed. If you’re not totally clear about why you’re doing something, it’s easy to give up on it.

The number one thing Jay Platt finds as a personal coach is to get people to be really clear about “what” they want and “why” they want it.

HBM: What is the number one motivator? JP: The “why” is probably number one.

There are two types of motivations, external motivation and internal. If you work for a company, it might be money. Intrinsic motivation is truly the “why.” It’s what your purpose is and what you want to be remembered for. When people read your eulogy, it’s what people will talk about. It keeps you going when others would quit. HBM: What can entrepreneurs do when

setbacks happen? JP: No matter how well we’re doing, there will

fears? JP: There is a lot of power in knowledge,

but we are helped only by the knowledge we apply. Determine you will face up to your fear. Maybe you need to go out and speak at the Rotary or someplace and you’re scared. Do it anyway. It builds the courage muscle and every time you exercise it, it gets stronger. Some fears are legitimate. That’s where a plan comes into play. Any fear or obstacle you can think of, chances are, someone else has done it. That’s where mentorship can help. It has really made me believe any goal you think of

be a bump in the road. You’ve got to prepare to face adversity now so you will be ready. That doesn’t mean it won’t hurt or be hard, but you’ll be able to handle it. The people you associate with, books you read, and things you listen to make a huge difference. When I was first diagnosed with cancer, I realized I was not prepared at all. I learned a hard lesson to be better prepared. Sure enough, I had another brain surgery later when the cancer came back and I was better prepared for it. HBM: How can one prepare for setbacks?

“

If that person overcame that, I can overcome this. That belief can help you overcome what you’re facing. – Jay Platt, www.JayPlatt.com http://livingunstoppable.com

Home Business

| July/August 2013

”

JP: It’s important to have personal and business contacts you can talk to. Don’t leave things bottled up when you’re going through a hard time. There are all kinds of positive books to read. I like biographies and autobiographies of people who have faced hardships themselves. They may not say, “I did such and such,” but you can see how they overcame it. It also shows your problems are small. If that person overcame that, I can overcome this. That belief can help you overcome what you’re facing. HBM: What about the “spiritual preparedness” you mention in your writings? JP: I’m a Christian. Everyone can believe what he wants, but I don’t know how someone would live their life without spirituality. We need to develop ourselves mentally, physically, and spiritually. Many people don’t do the spiritual part until they’re going through a hard time and then afterwards, they forget. Things like giving back are part of that. Often times when we give to others, we receive more than we have given. That is vital. I know for a fact I couldn’t have overcome the things I have if I were doing it myself. The proceeds from Platt’s adventures and sales of his documentary, available at livingunstoppable.com, benefit non-profits, including the VHL Family Alliance (www.vhl.org). He and his wife, Paz, live in Beaufort, SC. Paz serves as an active-duty Marine. Deborah Jeanne Sergeant writes articles, web copy, and marketing materials from her home office in Clyde, N.Y. Visit her online at www.skilledquill.net.

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Facebook…or Face Time? Why Business Relationships Take More Than Texting, Friending, and Online “Connecting” By Michael Houlihan

t’s official: Email, texting, and social media are no longer just helpful supplemental business tools. They’ve taken over the whole game. Yes, technology has made many aspects of modern living more convenient and “connected,” but the pendulum has swung too far. Now, people are reluctant to do something as simple as picking up the phone, preferring to shoot off an email instead. And face-to-face meetings — well, they’re almost unheard of. This “technology takeover” is not without consequence. Misunderstandings abound. Relationships stagnate. Trust is at an all-time low. And all of these issues are at least partially due to the fact that genuine human connections have been replaced by mouse-clicks and keystrokes. Social media and technology do have their places, but they are not, and never will be, a substitute for in-person interaction. Your physical presence — or at least the sound of your voice — builds trust you can’t even approach with a keyboard, screen, or profile image. Young people’s dependence on virtual communication could stunt the social skills they’ll need to attract customers. Through no fault of their own, they have inherited a world that provides a comfortable firewall insulating them from personal rejection — one in which they simply don’t have to communicate in real time. Of course, in a global economy, face-to-face meetings are expensive. When clients, vendors, and even employees are on the other side of the world, it’s not economically feasible to hop on a plane every time a meeting is needed. In these cases, Skype is the next best thing to being there. Live video streams allow you to do just about everything short of shaking hands. You accomplish so much more when you become more than “just” an email address or a disembodied voice to one another. If you make the time necessary for personal meetings—if not in person, then via Skype or, at the very least, on the phone — others will not only remember you, but they will appreciate the effort you put forth. Read on for seven specific

advantages of real-time, in-person, face-to-face relationship building:

The time investment shows you really care. It’s a fairly universal truth that human beings want to be valued and appreciated. Spending time with someone else, whether that’s in person, face-to-face on a computer screen, or, if all else fails, via a phone call, is one of the best ways to convey these things. In essence, an investment of time says, “While there are many Social media and technology do have their place, but they are other things I could be doing, I’m not, and never will be, a substitute for in-person interaction. choosing to spend my time with you. That’s how important I think you are!” Minutes and hours spent with another person you have, the more your relationship with that have the power to create a bond that money individual strengthens. Trust me, people want can’t buy. to do business with people they know. You can When you spend time with others, you find get to know them much better offscreen. out what you truly have in common, and you have an opportunity to share your opinions. You’re more effective in general. Plus, visiting someone repeatedly over a period When you’re talking to someone else in real of time can also provide valuable non-verbal time, you can make progress in real time and clues to his or her values and concerns. solve problems in real time. Thanks to facial expressions, body language, and tone of voice You’re better able to give personalized (read further for more information on each), attention. This is perhaps the biggest key you’ll usually find out more than just the basics to successful sales and the establishment of when you have a verbal conversation. In fact, if any long-term relationship. Think about it: you’re really observant, you may notice things It’s hard to multi-task on something unrelated about the other company or clients that they when someone is physically planted in front themselves aren’t even aware of! of you, demanding your attention. Unless you Always meet in person if you can. When have no problem with blatant rudeness, you’re an important client or critical team member focusing on the other person, responding is on the other side of the globe, a face-to-face not only to what they say, but also to their meeting once or twice a year can often be a mood, movements, and many other non-verbal smart investment. The rest of the time, if your signals. You will read these signs and adjust communication is anything beyond a simple your behavior accordingly. FYI, be sure to Skype or call. Letters on a screen can’t compete with the personal touch. In my experience, when you Facial expressions help get your use someone’s name along with eye contact and message across… Did you know that the an attentive demeanor, they’re more likely to human face has at least 20 muscles that work be agreeable and to give you the benefit of the in concert to create a myriad of telling facial doubt. They know that your time is valuable expressions? This is a powerful argument for and that you chose to give it to them. The next face-to-face meetings, whether they’re in person time they see you, they will be more relaxed and or via Skype. familiar in your company. And the more visits Observing facial expressions during verbal communication can give you instant feedback about how your message is being received. Your physical presence—or at least the sound of your You can quickly adjust your message on the spot to make it more meaningful or agreeable, voice—builds trust you can’t even approach with a and avoid possible misunderstandings. Facial keyboard, screen, or profile image. expressions are also an invaluable way through

“

”

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| July/August 2013

Continued on page 32

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Facebook...or Face Time? Continued from page 30

which to express sincerity, interest, curiosity, happiness, and more. …So does your body language… Unlike looking at a posed profile shot or any still image sent over email, being face-to-face with another person gives you the opportunity to see the other person’s dynamic reaction and make adjustments to your own message.

Real-time body language provides tons of nonverbal cues that are impossible to convey in a text or email. For instance, if you know that hands in one’s pockets indicate boredom or disinterest whereas leaning slightly forward indicates interest, you’ll be able to respond more accurately to others and avoid sending messages you don’t mean to.

People Don’t Just Buy Your Product; They Buy You By Michael Houlihan I can’t tell you how many retailers, suppliers, and potential customers I visited in person during those early years of our company, Barefoot Cellars. What I can tell you is that I would have never gotten satisfactory results if I had tried to build those relationships via email and social media. The Barefoot brand would never have become a national bestseller of wines without meetings, phone calls, and recurring personal visits that kept relationships all over the country healthy and up-to-date.

Home Business

| July/August 2013

…and so does your tonality. It’s happened to everyone: You send an email that’s laced with sarcasm or humor…which the recipient totally fails to pick up on. Oops! Now you’re left frantically doing damage control. That’s one major reason why texting, emailing, and friending can be great ways to communicate, while failing to succeed at relationship building. When spoken, the same words used in a text or email can have a very different meaning based on

the tone, inflection, and the emphasis that the speaker gives. It’s much easier to “get” intentions behind the spoken word. And if the other person sounds reluctant, uncomfortable, or guarded, for instance, you can take advantage of the opportunity to ask why and discuss ideas that might never have been brought forward over email. So the next time you find your mouse hovering over the “compose” button, think about reaching for your phone instead. Your vulnerability shows (and that’s a good thing!). In the virtual world, you can almost totally control the image you show to other people. You choose the pictures you post on your profile. You censor the information you do and don’t want to share in your messages, posts, and updates. And usually, you can think about and edit what you want to say before pressing “send.” But in a real-time, face-to-face relationship, the other person can see you in 3-D and observe your dynamic, spontaneous

video streams allow you to do just about “Liveeverything short of shaking hands. ”

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in the short run, you take precedence over all of their virtual relationships. A relationship can start through text, email, or social media, but in order to be lasting and dependable, a relationship has to grow in person. Yes, developing your face-to-face social skills will make you feel vulnerable at times, but like any skill, becoming personable takes practice. A good way to become personable is to eliminate virtual communication when in-person communication is possible or more effective. So shake hands and come out a winner! Remember, genuine, lasting, and dependable relationships take time and physical presence. High touch beats high tech every time.

Giving personalized attention is perhaps the biggest key to successful sales and the establishment of any long-term relationship.

behavior, including tone of voice, expression, dress, and body language. The other party sees your human imperfections and is aware that you are vulnerable to potential personal rejection.

Imperfections and vulnerability make you appear more believable and sincere. Most people will overlook minor foibles in appearance and speech, because you are literally there for them. This can be a big advantage in the long run. And

Michael Houlihan and Bonnie Harvey, authors of The Barefoot Spirit: How Hardship, Hustle, and Heart Built Americaâ&#x20AC;&#x2122;s #1 Wine Brand, started the Barefoot Wine brand in their laundry room in 1986, made it a nationwide bestseller, and successfully sold the brand to E&J Gallo in 2005. Starting with virtually no money and no wine industry experience, they employed innovative ideas to overcome obstacles and create new markets. Their book, The Barefoot Spirit, chronicles the history and lessons learned building the popular Barefoot Wine brand. To learn more, visit www.thebarefootspirit.com

July/August 2013 | Home Business

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AAJudgment JudgmentRecovery Recovery Business Business isis Hot and andininDemand. Demand.Here’s Here’show how to to start start your your own... own...

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

Christina Smiley Smiley

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

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MARKETING & SALES

Lost Sales Leads 4 Common Problems and How to Correct Them By Brandon Stuerke

.S. businesses spend billions of dollars generating sales leads only to lose more than 70 percent of them simply because they don’t make contact quickly enough, according to one study. But that’s not the only way they’re losing out on opportunities. A study of more than 600 companies by Dr. James Oldroyd of MIT found that the odds of a lead entering the sales process were 21 times greater if the business made contact within 5 minutes of generating the lead versus contact in 30 minutes. Another study by the Harvard Business Review found that the average response time by businesses to a generated lead is 42 hours — and that’s just for responses that occurred within 30 days.” Generating sales leads is big business, with more than $23 billion spent on internet leads alone. If you’re a financial advisor or another professional, you may also be spending money on direct mail, invitations to seminars, TV commercials, and/or print ads. How many leads are you generating, and at what cost per lead, only to lose them? There are four ways professionals commonly lose sales leads, and they can all be fixed! ■

Advertising calls to action that are all-or-nothing. Most sales people offer only a face-to-face meeting or a telephone appointment as their call to action in their advertising. But that’s asking a lot of prospects who are simply exploring options and aren’t yet ready for that level of commitment. Those are leads that, three to six months from now, may become sales — but they’re lost early in the process. Instead, offer a less committed option such as “download this free report” in exchange for their information for follow up.

interactions “withIf your prospects fail to

■

“

■

“wow” them, they will quickly move on.

”

Home Business

No lead capture on your website. This is a huge problem! Many sites have no strategy for capturing information about visitors to the site, such as an email address. As a result, Generating sales leads is big business, with more than $23 billion businesses spend spent on internet leads alone. thousands of dollars driving traffic to their website, but capturing none of the prospects’ information. As a result, those prospects come to the site and leave, and the business never knows they were there. A free A lot of these issues report, or series of reports or videos with stem from a common useful information based on your expertise are good lead capture tools. Buyers today problem: businesses turn to the web for information while dofocusing only on the ing research, so that’s what you should give them. Offering free resources in exchange for hottest leads — a small bit of information is a great way to do the people who that.

| July/August 2013

Indifference in interactions. No matter what your profession, it’s likely you’ve got a lot of competition. For consumers, shopping includes researching, and they’re comparing services, expertise, and experience before deciding who best deserves their patronage. If your interactions with prospects fail to “wow” them, they will quickly move on. But most professionals don’t have a storyboarded plan for giving prospects that experience, which is what is needed for consistent results. An automated system that delivers carefully planned interactions is a great way to achieve this. Using social media without a plan. Many professionals have discovered that delivering consumer-friendly, useful content through social media is an effective means of attracting followers and cultivating prospects. However, one of the biggest problems with how businesses use social media is that they post a lot of high level, one-way communication with no call to action. Having a call to action in your posts

are ready to buy today.

”

leading prospects back to a website designed to capture leads is critical for producing tangible results through social media. A lot of these issues stem from a common problem: businesses focusing only on the hottest leads — the people who are ready to buy today. Instead of allowing those “cooler” leads to fall by the wayside, businesses should capture and cultivate them. Eventually, they’ll find that instead of constantly chasing leads, they’re harvesting new clients. Brandon Stuerke is a business coach and cutting-edge marketing strategist, specializing in innovative new tools that save professionals time while building their practices. He is the founder and president of Advisors Edge Marketing, Inc., which produces Automated Advisor, a new program that strategically streamlines prospect cultivation. He’s also the creator and president of the Strategic Alliance Program, Winning With CPAs, which teaches financial advisors how to build their practices by partnering with CPAs. Visit www. advisorsedgemarketing.com for more information.

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Man Creates a Clothing Line for Dads and Brings Awareness to Family Issues By Home Business Magazine

odada, a California cause-based apparel brand, began with one father’s dream of leaving a legacy for his sons. Bobby Barzi created Fodada to celebrate the importance of fatherhood while bringing awareness to issues that directly affect families. The term “Fodada” stands for: a dad who lives his life around his kids; a dad who pretends to be a jungle animal one minute and a super hero the next; a dad that makes a millennium falcon out of a cardboard box and howls like Chewbacca; a dad who never misses a pitch or goal and doesn’t mind playing doll house tea party for hours. Previously an executive at a global technology firm, Barzi now creates a men’s basic clothing line for fathers who need some comfortable, cozy and hip clothes to relax, play, or do whatever in. The Fodada line recently expanded to include options for women and children. Fodada raises funding and recognition

while creating or supporting programming by partnering with non-profit organizations, schools, and other philanthropic initiatives such as Autism Speaks and the American Heart Association. Barzi considers the Fodada brand’s ability Bobby Barzi (pictured with his two to leverage a tangible product to support children) is the founder of Fodada. multiple causes his best business achievement thus far. Working from home has allowed Barzi to spend more time with his wife and children the success of a home business is not limited (ages 4 and 12 months), but as the company by its humble beginnings. Although he concontinues to expand, so does his travel for tinues to work from home, the expansion of trade shows and promotional events. Barzi has Fodada has demanded that he seek additional learned that working from home can be chal- space to fulfill his growing number of orders. It is lenging — finding the balance between profes- Barzi’s hope that within the next three years, he sional and family life. However, he believes a can expand his partnerships with nationally rechome office fosters an incomparable work- ognized programs while simultaneously increasing environment that has allowed an equally ing his reach to consumers worldwide. For more unique business to thrive. Barzi is proof that information, visit www.fodadawear.com.

July/August 2013 | Home Business

SUCCESS STORIES

Celebrating Fatherhood

BUSINESSES & OPPORTUNITIES

Will Your New Website Design Pay Off? How To Know If It’s Time To Upgrade By Natalie Henley

o a lot of CEOs, a website is a bit like owning an older car: It’s given you a pretty good run for your money, and it does what you need it to do. Sure, the mileage isn’t great — but is upgrading really a top priority? As you are looking at your marketing strategy for the coming quarters and trying to decide whether it’s time to get a new site, or whether you can get another year or two out of your existing design, here is a website design formula to help you make your decision.

STANDARD NUMBERS For many businesses, it’s strongly recommend to consider having a website built on an open source Content Management System (CMS) — for example Wordpress, Drupal, Joomla!, Dot Net Nuke, etc. These sites work well, are easy to scale, and typically cost a lot less. An average cost of this type of design is around $5,000-$15,000. You can use $10,000 as an “anticipated cost” of a website design project. A word of caution: Many companies “know a guy” that does website design out of his basement, or have a cousin in college taking web design classes who is willing to design your website for a

steal. Many of these projects go south quickly, so follow the golden rule — you get what you pay for.

FORMULA # 1 - GOT CONTENT MANAGEMENT? Is it easy to login and make changes and add pages to your website? If the Out of every 100 people coming to your website, if you are driving answer is no, try to analyze leads, you should be getting at least 1 lead, and if you are selling the last years’ web changes. products, you should be getting 2 sales. Most companies that want to actively gain Search Engine ranking should be making updates to their websites at least 2–4 times/ month. Assuming 3 website changes happen in one month, taking 1 hour per change, and the typical website developer hourly cost is around $125:

Looking at the “ numbers, it’s possible

• 3 hours/month = $375 • 1 year of web edits= $4,500 • 3 years of web edits = $13,500 Looking at the numbers, it’s possible that not having your website on a Content Management System can cost you up to $13,500 over a 3-year period.

FORMULA # 2 - A CONVERSION RATE YOUR MOTHER WOULD BE PROUD OF

Determine whether you want your website to rank in Search Engines like Google or Bing, when your prospects are searching for your products and services. 38

Home Business

| July/August 2013

This really comes down to a fundamental question — what actions do you want people to take on your website? Your conversion rate is a simple calculation based on how many “hits” you are getting, and how many of those “hits” take action on your website. Simply put, a conversion is when someone takes the next step on your site — whether that’s filling in a form, signing up for your email program, buying something, etc. Industry standard conversion rate for companies generating leads is usually right around 1%; for ecommerce websites, this is closer to 2%–3%. If you have no idea how many hits you are getting, or how many of those hits are taking action, call your web developer and make sure you have Google Analytics installed on your website, and that Google Analytics is

that not having your website on a Content Management System can cost you up to $13,500 over a 3 year period.

”

tracking “goals” (which equates to conversions). This program is free and will give you all of this information. Out of every 100 people coming to your website, if you are driving leads, you should be getting at least 1 lead, and if you are selling products, you should be getting 2 sales. If you are quite a bit lower than these numbers, considering a good website design will easily take you to your 1% conversion. So, if you have a .5% conversion rate (which is where many older website designs are at), a new website design can easily double your leads (or sales). What’s the value of that? Only your company can assign that value. You will need to sit down and determine whether doubling leads is enough to overcome a $10,000 investment.

FORMULA # 3 – PLANNING ON GETTING TO THE TOP The last big indicator of whether it’s time to overhaul your website would be whether you want your website to rank in Search Engines like Google or Bing, when your prospects are searching for your products and services. This is called Search Engine Optimization (SEO). If you want Continued on page 40

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BUSINESSES & OPPORTUNITIES

Will Your New Website Design Pay Off? Continued from page 38

How would you like to get paid every time someone goes to the gas pump?

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how many of those hits are taking action, call your web developer and make sure you have Google Analytics installed on your website.

”

to get that great traffic to your website, you must have a good technical website. As you start to think about the potential of SEO, you should keep in mind that an average website with Search Engine Optimization should see traffic increases by 40% in one year. So, if you are getting 1,000 “hits” to your website each month, a 40% increase means an additional 4,800 hits/year. For lead generation companies, 1% is a good estimate of a conversion rate on a new site design, which equates to 48 leads off of your increase. Over 3 years, this will be 144 leads. Again, your company will have to make its own calculations of whether this makes financial sense. Most importantly, for these kinds of results, just a website design won’t cut it. These results are more likely for companies who do an SEO and Content Marketing program after a new website is built. That being said, if your company wants to take on an SEO campaign, your website must meet technical best practices.

SET GOALS A website design project can be a huge undertaking for your organization, so it makes financial sense to really think through the ROI and potential before putting your team through this kind of project. Also, to ensure you maintain those return on investment (ROI) goals throughout the project, it’s important to be very clear with your web development firm regarding the results you are expecting from your website. Natalie Henley has been in the Internet marketing industry for over 4 years and specializes in the Search Engine Optimization, Paid Search & Social Media Marketing fields. She is the Marketing Manager at Volume 9 Inc. Volume 9 creates custom search marketing campaigns for clients, including a mix of SEO, paid search management, social media, local search marketing, and website development for over 100 clients and 200 managed websites. Natalie and Volume 9’s enterprising team leverage search marketing into real bottom line results for their clients’ businesses. They were recently honored by both the Inc. 5,000 and the Denver Business Journal as one of the fastest growing companies in Denver, and in the US. For more information, please visit www.volume9inc.com.

Home Business

| July/August 2013

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Data Security Resolutions By Phillip Alexander To better protect your sensitive data, here are some resolutions to help you be better informed. Phishing Attacks Many scammers will send out e-mails trying to trick people into sending them personal information about themselves — information the bad guys can use to commit identity theft, and financial fraud. A common one is to claim to be from a bank, saying there’s a problem with your online account, and to send them your username/password to resolve it. No bank is going to ask you to email them your username/password. If you get an email from your bank, and you’re not 100% sure it’s legitimate, call the bank, or go into your local branch. Stop Credit Card Fraud Review your credit card statements. If you see any charges that you don’t think you made, question them. If they are legit, the company will have a receipt of the transaction. Consider using a gift card to shop on-line instead of either a credit card or debit card.

All work...No Life? That was me until this FREE Video showed me a simple system to make money online and now I’m in control.

Visit www.3-StepFormula.com to get your FREE Video and see how you can get your life back! Discover how to generate a multiple six-figure income online!

Watch Where You Send Your Personal Data Many on-line retailers will ask you to provide personal information yourself. A certain amount is necessary. For example, they’ll need your address to know where to mail the item you just purchased. That said, most retailers don’t need your Social Security Number. If they ask for it, ask them why it’s needed. If it’s to simply use as a customer number, don’t provide it. Improper use of a Social Security Number can lead to identity theft. Know What Your Kids are Doing On-Line Ignorance is not bliss. Know who your kids are chatting with, who they are emailing, and who they are texting. Know what social networking sites they’re on, and who their on-line “friends” are. For more tips on protecting kids on-line, see 10 Ways to Protect Kids On-Line http://dataprivacynetwork. wordpress.com/2012/11/28/hello-world/ Look at the video games your kids are playing. As parents, we need to decide what is appropriate for our kids and what isn’t. If you have cable or satellite TV, consider using parental blocks to restrict content that you, as the parent, don’t want your kids to watch. A 20-year IT security veteran, Philip Alexander has worked in both the public and private sectors. His experiences include performing data security work for the United States Army, the financial services sector, travel and leisure, healthcare, and telecommunications. Phil is also an accomplished author, having published a numerous articles, several webinars, and three books. Find Phil on the Web: Like “Data Privacy Network” on Facebook; follow Phil on Twitter: @DataPrivacyNtwk; and visit www.dataprivacynetwork.com

July/August 2013 | Home Business

Accounting and Invoicing in Your Business MONEY CORNER

Making the “Process” Less of a “Process” By Lawton Ursrey, Product Marketing Manager, Sage One, Sage North America

ne of the first reasons many entrepreneurs list for starting their own businesses is to make money (big surprise!), but it is astonishing to see how frequently and easy it is to forget to invoice a client. We must remember that we are all human and can make mistakes, just like customers. Getting clients to pay invoices in a timely manner can be a gruesome task of its own. Surprisingly, 43% of small businesses have customers who are more than 90 days past due on payments. I’ve put together a few tips to help make your accounting and invoicing “process” less of a “process.”

invoice to be paid late. This slight suggestion is the fine line that may help close most of your invoices. Whoops… You might be the problem? Don’t fret. All small business owners struggle with invoicing. Getting paid is nice, but invoicing management would be better if it went away, right? At the end of the day, try doing as little of it as possible. Find a cloud product that makes this “process” less of a “process.” Nobody started Make sure your invoicing will let your customers click a link from to do invoicing, an email and pay the invoice within one minute flat. Getting paid is nice, but aandbusiness I bet it isn’t your invoicing management favorite of tasks. All of us would be better if it went business owners struggle with this. It is time to get over it. Track down a solution that enables away, right? your business — one that takes the edge off … there are plenty of things like accounting and invoicing; one of solutions out there. that helps you manage more by managing less. 1. Numero Uno: It may be your fault! How do you find the right one? Easy — look Be prepared to elevate Timely follow-up is the best way to stop an around and test them out. Find the one that incident before it happens. It suggests to the to collections when makes all of the headaches less of a headache, invoicee that you’re “on top of the ball” and and then choose that one. necessary. a professional that may or may not allow an Make sure that your invoicing is receiving billable time automatically. Make sure your accounting is also categorizing Again, there are plenty of solutions out there. and tracking this business activity Be prepared to elevate to collections when automatically for year end. Make necessary. Remember to do less of collections sure that it will notify you as soon as well. Have a quick way to deploy late as an invoice is late. Make sure your invoices to a collection provider if needed. invoicing will let your customers Remember, be a professional when you elevate click a link from an email and pay anything. Don’t let your invoices age, but don’t the invoice within one minute flat. be rude about it, either. Maintain etiquette You dreamed of running a with your client. Give them the benefit of the business, not a business running doubt. If you need to turn your bill over to you! There are an infinite amount collections, then do so, but that should be a of solutions out there. Get out of last resort. the sandbox and rejoice in the great Don’t forget that time is money. Run the entrepreneurial playground we’re in. numbers and make sure you’re spending your 2. It’s always the little things… time on the right tasks. You may very well have On the subject of invoicing via always disliked invoicing, so get better at doing email, when I say email, I mean that less of it. If you send invoices by email, make your invoice email is being generated sure your subject line is straight to the point! for you at just the right time. Your Use starters like “Invoice: ‘Account name.’” cloud solution should also let you 3. Let your customer pay in any know when it’s late. It should let you way possible and as quickly as know via email and even via text. possible, too! Go through all of the steps of your Automate the invoice to go out for you, and let Online, offline, mobile, local, national, invoicing process. Put yourself in the the customer click one link to pay you online via customers’ shoes, and go in reverse. Continued on page 44 credit card.

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Accounting and Invoicing in Your Business Continued from page 42

MONEY CORNER

5 Resolutions for Your Business By Chris Hurn Business owners and entrepreneurs should consider these resolutions to make 2013 the most positively transformative year: 1. Consider buying: After a business has survived three to six years and is stable, commercial property ownership is a natural next step with benefits that new entrepreneurs often overlook. The government program administered by the Small Business Administration — SBA 504 — offers long-term financing at below-market fixed rates. 2. Self-investment: Invest in yourself! Identify business books that focus on areas you need to develop or lessons shared by successful business people you admire. 3. Company culture: Come up with three ideas that will improve your company’s culture, and take action on them. 4. Refresh/jumpstart marketing: Identify three new marketing initiatives that you can implement on a regular and ongoing basis. 5. Become an authority in your field: Research publications in your industry and pitch yourself as a media source. This can net you some free PR later in the year. The key is to focus on media outlets — become a familiar name so they can turn to you as a reliable source... Chris Hurn is CEO and co-founder of Mercantile Capital Corp. based in Orlando, Fla. He is the author of “The Entrepreneur’s Secret to Creating Wealth: How the Smartest Business Owners Build Their Fortunes” (www.TheEntrepreneursSecretBook.com). He is also the CEO, chairman, and co-founder of an upscale men’s barbershop franchise called Kennedy’s All-American Barber Club.

At the end of the day, “ you need to provide your customer with a quick and easy way to pay you, in a method they prefer.

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global, in space, underwater, and through the woods. You have to be emailing your invoices along with other invoice request methods. At the end of the day, you need to provide your customer with a quick and easy way to pay you, in a method they prefer. That’s the holy grail of billing. 4. Make sure the primary info is never ever lost. Bold your payment terms, etc. Flash the invoice up to your partner or employee for three seconds. Ask him/her what they remembered. If they can’t tell you when your invoice is due, then it’s not good. Walk through the thought process of what you do when you receive a bill. Think of the bills that you pay on time, and what’s the reason why? Is it consistency from the invoicer? Whoops… I made you think about the number one above again…that it may be you! 5. If it doesn’t look professional, you’re not a professional. Make the invoice look nice and branded, but don’t forget the primary purpose. 6. Everybody could use a reminder. Make sure all invoices are on a slow drip of healthy 15-day, 3-day, and 1-day alerts. 7. Paying Hard = Paid Less…Paying Easy = Paid More. For your customer to pay your e-invoice, don’t require them to set-up an account. Respect their time! Requiring your customer to have an account to pay your invoice is just inconvenient. Make it SIMPLE. Automate the invoice to go out for you, and let the customer click one link to pay you online via credit card. Easy. 8. Make sure the cloud solution is reputable. If you’re going to build a business in the cloud, you should know the company you’re relying on. 9. Watch your tone, sonny! Be human. We all need to practice the virtual handshake. Don’t get all “OFFICIAL” just because this is an invoice and we’re talking about money. Remember that you have formed a business relationship that’s supposed to be mutually beneficial. Show gratitude on this invoice as

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well. If you don’t feel that way when you invoice, then you might have made some bad decisions beforehand. Look at all of the steps you take as a business owner. 10. Automate. Automate. Automate. Manage more by managing less. That’s doable and possible with billing and invoicing. When invoices are late, make sure your invoicing solution handles it the right way at the right time. Have a scenario for every scenario, and automate the real pain points. Don’t over think it, though. Sometimes you may be the problem. 11. We can all use help with billing. (Again, we’re all human). Align with a cloud solution with a leadership team who you can easily reach out to with questions. Reward the small business solutions that remember what’s important about being a small business. As a business owner, you have to really evaluate what’s out there. It won’t be the solution that saves you; rather, it will be you for realizing that it’s not the solution. It’s you and the people behind the product that know your business and you best. Reward the companies that make business life easier. Billing, invoicing, etc…it may always be painful. Make a novel use of spending your time by getting better at doing less of it. Make sure the team can easily be reached, and watch them. If they are iterating fast and listening to you, GREAT! Be clear of your business challenge and why it’s a priority. Tell them and see what they have to say. Anything’s possible. For more information, visit na.sage.com. Reference 1 Rocket Lawyer Blog. New survey reveals that collecting late payments is a challenge for small businesses. Accessed online on March 14, 2013. http://blog.rocketlawyer.com/new-survey-reveals-that-collecting-late-payments-is-a-challenge-for-small-businesses-95248.

Manage more by “ managing less. That’s doable and possible with billing and invoicing.

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MONEY CORNER

10 Reasons to Integrate Your Payments Environment 1. Improve cash flow. When you integrate all your points-of-payment directly to your bank for settlement — and to your accounting system for reconciliation — you maximize your cash flow. Sitting on checks and receipts minimizes your cash position, which impacts your business’ liquidity. 2. Optimize sales channels. Any payment method — whether a credit card terminal, e-commerce web site, or a mobile phone equipped to take payments — that’s not integrating directly to your accounting system isn’t optimized for sales execution and back-office efficiencies; therefore, increasing cost-of-sales. 3. Eliminate manual data entry. Manually entering data in both a pointof-sale (POS) solution and an accounting solution doubles the time it takes to complete the payments process. By integrating your payments environment, you can reduce time spent on accounts receivable (A/R) processing so you can spend more time on revenue-generating opportunities. 4. Automate the reconciliation process. Duplicate data entry also results in more manual errors, which someone has to untangle and reconcile. When payments automatically “postback” to the accounting system, errors are reduced and posting and reconciliation are streamlined, saving time and money. your payments 5. Organize environment. The payments industry

is highly fragmented and confusing. An advanced, integrated payments portal can offer web and mobile access to a reporting dashboard, merchant statement, billing support, a single toll-free customer support line, and administration of all your connected payment Business owners will benefit by knowing the “five Cs” devices, applications, and lenders look at when considering loans. services. efficiencies across a spectrum of payment 6. Improve your PCI compliance services, while reducing the cost and situation. Payment Card Industry (PCI) certified payment platforms can improve complexities of managing multiple your PCI compliancy as a merchant. vendors. These platforms remove your connected 9. Take advantage of what’s next. An extensible, integrated payments platform payment solutions from the scope of is more capable of adding advanced PCI (PA-DSS) by ensuring all connected features and solutions, such as mobile payment solutions never store or transmit payment apps, automated invoicing, or unencrypted credit card data. In return, integrated loyalty systems. your PCI audit is more streamlined. More importantly, your business is secure and 10. Integrate because you can. Business software providers are now bringing preyour customers’ data is safe. integrated payment solutions to market, 7. Improve your audit position. Manual processes increase auditor so small and midsized businesses (SMBs) scrutiny and require additional sampling can easily and cost effectively “turn on” an of data and processes, driving up your integrated payments environment from costs and use of resources. Automating inside select accounting or ERP solutions. those manual payment processes can cut costs on financial and regulatory audits. 8. Gain the value of consolidation. Greg Hammermaster has 25 years of experience in banking, payment An automated and integrated payments solutions, and business software applications. As president of Sage Payment Solutions, Sage North America’s payment processing division, environment is often offered by a single he is responsible for the company’s credit card operations based in vendor or consortium, creating price Virginia and check operations based in Florida.

The “5 Cs” of Lenders ■

Collateral: Lenders — usually banks

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— will want to know that the purchase in question is worth the loan. The purchase is the lender’s collateral, so it must have the potential to cover the loan if for some reason owners can’t. ■

Cash flow (or capacity): The lender will look to see how much cash the business generates along with the amount of existing and proposed debt. In other words, the lender wants to know the cash available to service the total debt. A lender will also consider current rental payments, plus noncash expenses such as depreciation, amortization and interest costs.

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Credit analysis: This reveals the business owner’s history of making good on debts and other obligations. The higher the credit scores, the better. Lenders generally shy away from credit scores lower than 650; however, they will often listen to credible explanations on lower scores.

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Character: Numerous late payments, for example, suggest that owners do not manage debts responsibly, which will likely be indicated in a credit score. Factors that determine character judgment are largely subjective. An applicant can supply evidence in his or her favor.

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Conditions: What are the conditions in the industry and the economy? The better those conditions, the more likely lenders are to give applicants a plus in this bracket. Conditions are often out of a borrower’s control, which makes a positive showing of the other four factors that much more important.

Chris Hurn is CEO and co-founder of Mercantile Capital Corp. based in Orlando, Fla. MCC has earned numerous accolades and has been featured in the Wall Street Journal, the New York Times, Bloomberg Businessweek Magazine, Forbes and SmartMoney, among others. Hurn has been a frequent guest on Fox Business News and PBS. He graduated from Loyola University Chicago with two magna cum laude bachelor’s degrees and earned his master’s degree from the University of Pennsylvania’s Fels Institute (formerly at the Wharton School of Business). He is also the CEO, chairman and co-founder of an upscale men’s barbershop franchise called Kennedy’s All-American Barber Club.

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SUCCESS STORIES 48

A Real “David vs. Goliath” Story Co-Owners’ Start-Up Takes on Facebook Co-Founder & Industry Leader Asana By Home Business Magazine

evin Withnall had previously worked with MSN in Australia, and is the founder and CEO of a 12-person development firm. Jason Weaver was formerly a Project Manager at ING. Together, they did not found a typical Silicon Valley start-up — they are not 22 years old, they have been hardened by the business world, and they started off building a product for themselves 2 years ago for internal purposes for Kevin’s 12-person development firm. Kevin’s and Jason’s start-up, TiimFocus, is a B2B product that provides team members with one central location where they can see what peers are working on, and can receive updates on how a project is progressing. Rather than trying to stay organized through emails and meetings, organizations can use TiimFocus to move faster and to better manage tasks in an increasingly mobile workforce.

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Jason Weaver (left) and Kevin Withnall (right) are co-founders of TiimFocus.

TiimFocus is angel-investor backed and has raised $500,000 in funding. “Our mission is to create a product that can best manage workflow between teams,” says Kevin. “We created TiimFocus because we didn’t see a product fulfilling the need in the market. The largest player in the market is Asana, which was started by Facebook co-founder Dustin Moskovitz. However, it’s greatest strength (an easy-to-use product), is also its largest weakness (minimal functionality). We outgrew Asana within a month. TiimFocus was built to be the world’s most complete collaborative task system. Companies will not be able to outgrow TiimFocus.” Examples of features in the product include Workflow, which allows individuals to determine and push tasks that have been sitting idle and are causing bottlenecks, and Metrics,

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which helps workers focus on completing the right tasks at hand. Despite the well-funded competition, with Asana having raised $38.2M in Venture Capital funding, TiimFocus believes it will compete in the marketplace. Says Jason, “We believe the beauty of this marketplace, particularly as more attention is focused on B2B companies, is that the best product can win. Despite the pedigree of Asana and other competitors, we spent 2 years building and validating TiimFocus, and we, and our clients, believe this is the best product in the market.” Kevin and Jason are offering to set up free 3 month accounts for the first 25 Home Business Magazine readers. Monthly subscriptions are charged for subsequent users. Visit www.tiimfocus.com/about-us/.

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Sporty yet Chic Woman’s Creation Puts a Stylish Twist on the Classic Baseball Cap By Home Business Magazine

arrie Bell founded Madcapz seven years ago when she became sick with Graves’s Disease — and began losing her hair. She wanted a cap to cover her head when she went for walks but was tired of wearing her husband’s sports/corporate logo’d baseball caps. Carrie craved a fun colorful cap to wear that was stylish, comfortable, didn’t scream “sick,” and made her look good. She always liked the style of ball caps but could not find one that was sporty yet chic. So after searching in vain, she decided to create one — and Madcapz was born! Today, Madcapz successfully sells online at www.madcapz.net and wholesale across the country to golf retailers, golf pro shops, hospital gift shops, oncology boutiques, wig salons, gift shops, and small retail boutiques. Madcapz promotion takes several forms. One very effective approach is to partner with nonprofit organizations. Madcapz is a Partner in Action with the HERA Women’s Cancer

Foundation and manufactures the HERA Madcapz in their signature color, teal. A portion of each sale is donated to the HERA Foundation. Also, throughout the Carrie Bell founded Madcapz — baseball caps designed year, Madcapz just for women. donates hats to various Madcapz is also currently involved with organizations for their charity walks, several sponsored contests on radio stations tournaments, and events. and online sites that offer terrific promotional Madcapz also uses social media to attract opportunities. new customers. Their Facebook page The typical Madcapz customer is a woman (www.facebook.com/madcapzfans) and Twitter 40+ who is fun, spirited, and loves fashion account (www.twitter.com/madcapz) provide accessories with color. She may be a golfer, ongoing opportunities for Madcapz to publicize walker, tennis player, or gardener. She is an special offers, sales, and promotions that are outdoor enthusiast who knows how to enjoy popularized on these social media platforms. life.

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Do I Really Need a Lawyer for This?

A Common Sense Approach to Using Attorneys for Your Home Business By Gary M. Heller, Hodgson Russ LLP

aving represented clients in commercial disputes for more than fifteen years, I am still struck by the frequency in which the following scenario occurs — a small business owner claims that she has been wronged in a transaction, that considerable monies are owed and, most important, that proof of wrongdoing is embodied in a single document. Although the client is angry about the situation, her excitement about having the proverbial “smoking gun” is palpable. When asked who prepared the document and whether a lawyer was consulted, the client responds, “That wasn’t necessary, this was a simple transaction so we prepared the agreement ourselves and, look, it proves that he owes me money.” I am then faced with the unenviable task of deflating the client’s confidence, informing her that the document does not quite say what she thinks it says, or mean what she thinks it means. On some occasions, a lawyer must also be the bearer of bad news, informing the client that, even though her claim may be legitimate and compensable, the document she believed would prove her case does nothing of the sort and may, in fact, expose her to potential exposure. The foregoing problem is one that likely would have been avoided had the agreement been prepared by an attorney. It begs questions that should be asked by any prospective or established home business owner — “When should I seek legal advice?” and “What kind of lawyer should I consult?” Speaking with an attorney can be intimidating, and hiring one can become expensive. It is understandable, therefore, that seeking counsel typically is not on the list of important priorities, as creating revenue and meeting expenses is always your primary concern. Many of the problems you face appear to be simple, the kinds that you reasonably believe you can handle yourself. In a world where information is widely available Home Business

The assistance of competent legal counsel (as well as a good accountant) will go a long way toward ensuring that all filings reflect the business goals of each participant in the venture.

online and without cost, this is understandable. However, even with the ease of access to information, much is unreliable or incomplete. Moreover, there are many questions that nonlawyers simply do not consider when seeking answers on their own. Although many legal issues are unanticipated, one can prepare for potential problems before they occur. The balance of this article offers a snapshot into the circumstances where it is advisable to seek the assistance of an experienced attorney. 1. Corporate Formation Forming your corporation, partnership, or LLC may appear to be a matter of completing online forms provided by your state’s Division of Corporations. Similarly, if you are interested in reserving a particular name for your business, many states provide web-based resources that identify entity names that are currently in use. However, even though finding and completing the correct forms may appear to be uncomplicated, you should seek advice from an attorney before jumping in. Most important at the outset is determining the

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there are many “…questions that non-lawyers simply do not consider when seeking answers on their own.

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type of entity you should form. The manner in which you proceed will be based on, among other things, the complexity of the anticipated business, the number of individuals involved, and the financial contribution of each. There are advantages and disadvantages to choosing one type of entity over another. Often, the decision involves a consideration of tax benefits and consequences as well as potential personal liability or exposure. The assistance of competent legal counsel (as well as a good accountant) will go a long way toward ensuring that all filings reflect the business goals of each participant in the venture. When a home business involves multiple owners and/or contributions of capital, the parties should seek advice geared toward fostering the resolution of potential problems before they occur. An attorney can assist in the formulation of exit strategies at the start of the venture via the memorialization of business “prenuptial” agreements, including buy-sell, buy-back, or buy-out agreements. In planning ahead, the goal is to prevent future legal entanglements or financial issues, regardless of the circumstances surrounding the departure of a partner or shareholder. 2. Contracts Home businesses are often engaged in the buying and/or selling of products or services, each of which creates a contractual relationship. For many transactions, particularly if you provide specialized services, it is of utmost importance that you properly document all elements of the agreement to ensure that the parties involved have a complete understanding of their respective rights, obligations, and responsibilities. Seemingly straight-forward transactions carry a degree of risk, even when the parties believe that they have accounted for potential contingencies. Written agreements prepared under an attorney’s guidance serve to clearly express each party’s intent, while also Continued on page 52

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Do I Really Need a Lawyer for This? Continued from page 50

F E AT U R E

accounting for matters that the lay business person might not consider. The goal is always to minimize the unexpected and create protections in the event that the relationship breaks down. 3. Employment Procedures, Policies and Agreements Your home business has become successful and you realize that you need help, so you put out the word that you are hiring. However, what seems like a simple undertaking must be done in accordance with applicable law. You can undertake the actual interviewing and hiring of employees on your own, but you must be keenly aware of the questions you are permitted to ask as well as the kinds of inquiries that can subject your company to liability. An attorney’s advice on these matters can provide you with an understanding of all of the “dos and don’ts” in hiring, including relevant anti-discrimination statutes. Any business that takes on employees is also subject to state and federal labor, employment, and tax laws. Issues can arise regarding whether a worker should be categorized as an employee or as an independent contractor, and whether you are required to provide that person with overtime compensation or benefits. At some point, you may also

… a lawyer must also “ be the bearer of bad news,

agreements and nonsolicitation agreements. Needless to say, you must retain counsel in the event you are forced to prosecute or defend any legal action involving a current or former employee.

informing the client that … the document she believed would prove her case does nothing of the sort and may, in fact, expose her to potential exposure..

4. Intellectual Property Intellectual property is original work created by or for you or your business. These assets include ideas, inventions, writings, artwork, and software as well as brand names, logos, designs, and new products or processes intended for sale into the marketplace. Copyright, trademark, and patent laws offer protection to the creators or owners of intellectual property. Where this is important to your business, you should retain a specialist to secure all available rights (or to ensure that you are not violating the intellectual property rights of another). Even the look and content of your web site should be scrutinized to ensure that it does not violate a copyright or trademark held by another.

be faced with internal claims of improper treatment, including, but not limited to, sexual harassment or discrimination. And, if your business has processes, procedures, intellectual property, or a roster of clients that you want to protect, it might make sense to have an attorney prepare an employment contract that contains, among other things, confidentiality

5. Selecting a Lawyer Lawyers do not come in one size. Personalities and areas of concentration differ, as do the capabilities of law firms of all sizes. When starting out, the people whom you know and trust are the best sources for a recommendation. Also helpful are local bar associations and lawyer referral services. It is

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advisable to meet with multiple attorneys and to review their web sites and written materials to ascertain whether their capabilities fit your needs. Be clear about your financial situation, and make sure that you understand any lawyer’s fee structure (e.g., hourly rate, contingency, etc.). An attorney and client must always be on the same page, and this should be reflected in the letter of engagement. Also, it is advisable to choose a professional who possesses the humility to refer you to another lawyer when your problem falls outside her practice area. Finally, and perhaps most important, select someone with whom you feel comfortable, but who is also willing to provide honest and candid counsel. 6. Conclusion It is not always clear when one should seek advice of an attorney. Although you are capable of handling many important functions on your own, when thinking about the continued success of your home business, it is always important to pay heed to Benjamin Franklin’s adage that “An ounce of prevention is worth a pound of cure.”

Owners Face Risks without Insurance “Most home-based businesspeople don’t know they need insurance like other businesses,” says Janet Scott-Buckley, an agent with Harrington Insurance Agency in North Andover, Mass. A homeowners (or renters or condo) policy gives little or no protection for the business, she says. Someone getting hurt is also a risk, she adds. “If a customer, or even a deliveryman, slips on your doorstep and gets hurt, you could get hit with a big lawsuit,” Buckley says. “Your homeowners policy won’t cover you, so you’d have to hire a lawyer and pay the settlement out of your own pocket.” It’s usually best to buy a separate policy for the home-based business, Buckley says. It covers business equipment, inventory and supplies at home and offsite — for instance, your laptop. And the policy also covers your business general liability, for slips and falls — at home and possibly elsewhere. If you have employees, you’ll also need workers’ compensation insurance. Harrington Insurance Agency (www. HarringtonSaves.com) is an insurance agency with locations throughout Massachusetts. A member of the Arbella Insurance Group, Harrington Insurance represents many national and regional insurance companies.

Gary M. Heller, senior counsel at the law firm Hodgson Russ, represents clients in a broad range of commercial matters, with an emphasis on contract and business disputes, employment disputes, and litigation. He can be reached at gheller@hodgsonruss.com or gary_heller@hotmail.com.

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8 Sure Fire Ways to Fail Avoid Failure As You Aspire To Achieve Career Success of Any Measure

HOME OFFICE

By Paul LeJoy

merica continues to be the world’s largest economy and boasts the lion share of global billionaires.* When considering the staggering success only an elite few attain in business, it begs the question, “What do these billionaires know that the rest of us don’t?” And, as importantly, “How can we avoid failure as we aspire to achieve career success of any measure?” To achieve a notable amount of success at anything and certainly a notable measure of wealth, you must become a specialist at what you do. And, you must “do what you do” better than anyone else.” You must become indispensable — the go-to person, because your results are superior. In working towards this objective, it is important to employ a specific combination of essential elements that, combined, will make you a force to be reckoned with. With this in mind, here are eight pitfalls to avoid, to assist the proverbial 99% in their quest for success: 1. Short-sightedness: Every successful person at some point in his life had a vision for what “could be,” and set out in relentless pursuit of his dream with passion and purpose. Those who are shortsighted and unmindful of future consequences of their efforts, both the good and the bad, are more likely to fail than those who are thoughtful and perceptive in their approach.

2. Inaction: Have a vision or a goal? The first step is to write it down along with objectives and action steps related thereto. Now you’ve taken initiative, which is the critical first step to achieving success. Post your vision statement in your bedroom, bathroom, and office. Share it with others. And, be sure to follow your action steps. Or, find contentment with the status-quo and, well, remain there. 3. Contentment: Passion for what you seek to accomplish should be almost palpable to the extent that others can see and feel your drive. The key is to match your vision with something you can be truly passionate about. Something that will keep you engaged every moment of every work day to bring you one step closer 54

Home Business

to the measure of success that you personally desire. Or, approach your job with a lackluster attitude, and suffer the inevitable ominous consequences. 4. Instability: Those who are self-disciplined motivate themselves to continue To achieve a notable amount of success at anything and with their action steps and certainly a notable measure of wealth, you must become a persevere amid adversity, specialist at what you do. asserting sheer willpower and provide new perspectives on your over their more base desires and instincts approach. to give up or turn attentions to something more enjoyable in the moment. This requisite self-control will channel emotions, 7. Dishonesty: Integrity is of paramount importance for those seeking to find and behavior, and desires toward obtaining the sustain long-term success. True success reward of success and, as importantly, to comes when you are a person of your avoid the punishment of failure. word, when you have a pure conscience, and when you have not cheated others 5. Doubt: Without the will to endure, you may not get too far. Life and work can be on your way to the top. Dishonesty has a hard and even cruel. Remember, the race tendency to sneak back up on you, causis not for the swift but rather for those who ing far more problems than the risk was persevere. Rather than allowing doubt to worth taking in the first place. seep in and poison the process, you owe it to yourself to remain confident in your 8. Arrogance: Humility — like patience, hard work, and integrity — is a virtue. So, vision and your methodologies to get you when you finally reach your destination of there. Sure, you can adapt as needed along success, when your vision becomes a realthe way, but always know that success will ity, do not forget your humble beginnings ultimately be yours. and all of those who helped you to get to the top of the hill. Extend an attitude of gratitude and thankfulness. There is no such a thing as a self-made millionaire. People get there because others helped them get there.

Those who are short“sighted and unmindful

of future consequences of their efforts, both the good and the bad, are more likely to fail than those who are thoughtful and perceptive in their approach.

”

6. Going it Alone: No one is an island, and there’s strength in numbers. A mastermind group, coach, or mentor can help you get motivated and propel your vision to new heights and facilitate invaluable networking opportunities. Meeting regularly can be a great boost to your morale

| July/August 2013

If you have a vision and passion, take action, are determined and disciplined; if you get a coach or mentor; get in the right environment; and if you are honest and humble, you be well positioned to achieve your dream...whatever that may be. Pacific Realty Partners Founder and Principal Paul LeJoy is a revered real estate investor and top business building expert who has earned the reputation as a motivational leader in helping others duplicate his success and create wealth. LeJoy believes it is impossible to be poor in America, and he speaks on topics such as being successful with real estate and how anyone with the passion and desire can create wealth in America, regardless of his situation. Among other distinctions, LeJoy is currently one of the top 20 REO Brokers in the San Francisco Bay Area and considered a top expert in the real estate industry at large. LeJoy’s success in real estate is empowered by his business skills and no-excuses approach to success. LeJoy may be reached online at www.LejoySolutions.com. *Source: http://www.forbes.com/billionaires

www.homebusinessmag.com

F E AT U R E

Millionaires in Your Neighborhood Continued from page 19

most clients; in addition to people he identifies as “Aggregators,” those who recommend him to a large number of potential clients. “Let us write a mini-book for you, so that you can stand out from the pack…” describes how Levin’s ghostwriting services “create preeminence and distinctiveness” for business people, financial advisors, top athletes, broadcasters, celebrities, and others. Levin says these professionals and industry leaders are his best customers as they know what marketing costs to expect to create their marketing materials. Starting BusinessGhost from his home, and where he did most of his early writing, Levin says, “I do have an office now, but it’s a mile from my house so I can still go home, work there, eat lunch, or even take a nap.” In addition to being a New York Times best-selling author, Levin edited Zig Ziglar’s last book; wrote books with Dave Winfield, Michael Gerber, and the late Pat Summerall; played an extra in a Disney movie based on one of his novels; and was interviewed by worldwide media and, happy, too, that BusinessGhost has continued to thrive and expand for nineteen years! “Never give up,” Levin tells entrepreneurs. “Most businesses fail not because the business model was poor, but because the owner quit instead of fighting through a problem.

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Kimberly Cornwell is the CEO of Celadon Road, Inc., an organic, direct selling (party plan) company that markets and sells eco-friendly and organic products.

women, especially mothers, as they care about the environment and want to avoid their families’ exposure to toxins in skin care and cleaning products.” Cornwell likes that working from home enables her to pick her kids up at school and have her children hear her conference calls, she says. “They are ‘sponges’ learning all about business.” Celadon Road’s operations are also “green.” The company uses recycled packaging and

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Dr. Denis Burke, “The Doctor of Wisdom”

Dr. Denis Burke, also known as “The Doctor of Wisdom,” provides coaching and consulting services to small and mediumsized businesses.

refillable bottles; has an online catalog; and uses a green web hosting company and servers, powered by wind power. Cornwell’s rapidly-growing company has over 335 consultants in 48 states and is experiencing 450% growth in over a year. Her quest to help others achieve financial stability, while caring for the Earth, is summed up on her web site: “We strongly believe if we all make small changes toward a greener lifestyle, collectively we can have a profound impact on our world.”

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Dr. Denis Burke says he was entrepreneurial since the age of eleven. Coming to New York City from Ireland in the eighties, he continued his entrepreneurial ventures in sales and other enterprises. Dr. Burke, “The Doctor of Wisdom,” provides coaching and consulting services to small and medium-sized businesses. “Many entrepreneurs have not aligned their businesses’ missions and goals with their personal missions, and you need both to succeed,” he says. Burke guides clients with step-by-step processes in programs like, “Thinking into Results” to create models for their lives and business so they have a clearcut understanding where they are going in their lives. Dr. Burke reaches potential clients through online social media and his websites like MindDestiny.com, that feature his offerings and webinars. He also launched a “Success Mastermind Program,” that he presents in public venues across the country. Dr. Burke says based on his own life and business

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Brian Solis, Founder, FutureWorks Brian Solis says, “My story is one of timing, place, and perseverance.” In 1999, he started FutureWorks, a creative media lab focusing on Continued on page 60

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experiences. he has developed, “…a ‘Blueprint for Financial Freedom,’ a 12-step process to become financially independent, that anyone could follow and be successful.” What Burke likes best about being homebased, is that he does not have to show up at any particular office, and he can continue to run his businesses doing on- and off-line tasks. “Entrepreneurs can achieve success through multiple streams of income, especially if they automate parts of their business through the Internet,” he says. Dr. Burke plans to have more speaking engagements; launch a radio show in the fall; and finish his new book, “144 Keys for a Better Life.” He advises: “Create a ‘Master Plan,’ for the next fifteen years or so of your life, so you can follow that pattern to your greatest success.” For more information, visit http://drdenisburke.com/; www.MindDestiny.com.

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| July/August 2013

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F E AT U R E

Millionaires in Your Neighborhood Continued from page 57

the future of digital marketing. “I was inspired by the stark reality that everything I learned in school and through experience would prevent me from finding success in this new frontier. I would literally have to invent as I go…and invent I did.” With the rise of Web2.0, Solis decided to share what he knew and was learning. He started with blogging and evolved to Twitter, Facebook, YouTube; and eventually to books, speaking, and investing/advising startups and Fortune 500 companies. Working at the Altimer Group, and from home, Solis is a principal analyst studying disruptive technology’s impact on businesses and on society. “This allows me to find bridges between the two; and my nights and weekends are spent writing and creating content to help people learn,” he says. Solis reaches his market with blogging; creating a video series, “Revolution;” writing books, (his latest, What’s the Future of Business (WTF); and contributing to business publications like the Washington Post, Harvard Business Review, and others. One of the first to recognize the rise of social media, Solis wrote the original “Social Media Manifesto;” and from years spent studying the social media landscape as a form of digital ethnography, he released “The Conversation

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Prism.” His customers are business executives, top Fortune 100 companies, celebrities, and what he calls, “…some very cool startups. They are change agents looking for ways to turn social media strategies into business drives.” Though Solis writes from home, his “home” can be traveling anywhere in the world speaking about this global phenomenon of the evolution of technology and consumer behavior. While there are no shortage of social media and emerging technology experts, Solis says, “I still to this day, fight for my place among them. At this blinding pace of acceleration, striving to become an expert is done so by remaining a student of evolution.” Solis says, “You have to follow what I call 3D: dream. do. deserve. The distance between who you are and who you want to be is separated only by your aspirations and actions.” For more information, visit www.BrianSolis.com; Facebook.com/ BrianSolis; Twitter.com/BrianSolis. Business startups create many new jobs, but becoming a successful seven-figure entrepreneur is not for the “faint-hearted.” Joseph Lekach of Dream Water says, “Take a risk. Bet on yourself. Work your hardest so you can never say, ‘If I had only done

| July/August 2013

Brian Solis is a digital analyst, sociologist, futurist, social media strategist, and the founder of FutureWorks.

more.’ There is no better bet than believing in yourself.” What is holding you back from launching your own potential million-dollar, home-based business? Priscilla Y. Huff (www.PYHuff.com) is a freelance writer and author of business books, including Make Your Business Survive and Thrive! 100+ Proven Marketing Methods to Help You Beat the Odds & Build a Successful Small or Home-Based Enterprise (Wiley).

www.homebusinessmag.com 5/28/13 11:03 AM

Woman’s Business Promotes Hyper-Individualized Concierge Services Across Numerous Industries By Home Business Magazine

atering to the cash-rich and time-poor, the personal concierge industry is booming and valued at an estimated $1 billion worldwide, according to industry watchdog the International Concierge and Lifestyle Management Association (ICLMA). However, entrepreneurs looking to start a concierge service and break into the industry have largely had to go it alone — no tested, proven personal concierge business plan was on the market... until now. The “Instant Concierge Success Package,” a turnkey concierge business solution developed by Kathryn Collett, is now available for purchase online (www.TheInstantConcierge.com). Previously a line of work specific to the hotel industry, personal concierge services have evolved into hyper-individualized services across a broad range of industries. From domestic help and home contracting to fitness, pets, errand running, auto care, and even pregnancy, personal concierge services can be tailored to suit any number of individual needs.

A personal concierge can complete tasks in person or virtually. “The freedom, flexibility, and potential for income truly is limitless,” says Kathryn Collett, creator of the “Instant Concierge Success Package” and longtime CEO of a successful St. Louis-based concierge company. But the availability of detailed and intricate instruction on how to start a personal concierge business is in short supply. Prior to developing the “Instant Concierge Success Package,” Collett, who holds a master’s degree in management with an emphasis on marketing, spent more than 25 years as vice president of marketing for a St. Louis, Mo., television station. She then founded and operated At Your Service of St. Louis County, LLC (http:// www.AtYourServiceStLCounty.com), a successful personal concierge business, earning a six-figure income after just three years. Says Collett, “I love the freedom I have to work with interesting clients, to determine the services my company will provide, and to be in charge of the direction my company takes.”

Kathryn Collett developed a turnkey concierge business solution. The “Instant Concierge Success Package” promises to make the process of starting a concierge service a hassle-free venture. By purchasing the package, entrepreneurs wanting to start a work-at-home business gain instant access to concierge business plans, step-by-step instructions on how to establish and maintain a competitive presence in the industry, and a comprehensive suite of forms, systems and marketing. The package is defined as turnkey, allowing entrepreneurs to retain 100-percent ownership of their companies.

July/August 2013 | Home Business

SUCCESS STORIES

Not Just for the Hotel Industry

NEWS AND REVIEWS

InStyle Modern Contemporary Home Office Furniture

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xchanging old, outdated furniture for contemporary pieces is a great way to give your home office a fresh, neat, and uncluttered look. Even better, you can give your home workstation a fab contemporary facelift for less with InStyle Modern’s chic and affordable modern designer replica furniture. InStyle Modern’s sleek and unique Studio Office Chair is a musthave chair that adds comfort and style to your home-based office. It features a chrome-plated steel frame, 5 star base with casters, tilt lock, leatherette seat (adjustable 18” to 21” high) and back, tilt tension, and removable arms. Retails for $98. Pair the Studio Office Chair with InStyle Modern’s sleek Estal Floor Lamp to complete your home office’s modern look. The Estal Floor Lamp weighs 55 lbs and gives you light where you need it. Featuring a stainless steel base and black lamp shade, the Estal Floor Lamp is the perfect way to add that desirable open and tidy look to your home office. Retails for $289. InStyle Modern manufactures its own products, enabling them to offer you the best quality merchandise at unmatched prices. The company offers free ground shipping, and all orders usually ship out on the same day or the following day, as all of the items are stocked in-house and can be delivered quickly. View the line and order at www.instylemodern.com.

Neat: Managing Expenses for Small Businesses

ore and more small businesses are struggling to stay afloat in these challenging economic times. Managing business expenses is a high priority. In order to manage expenses, small businesses need to know and evaluate what they spending and where they can cut costs. By evaluating finances, business owners can determine if they are incurring losses, breaking even or making a profit. This is where Neat comes in. Neat is the developer of the popular and user-friendly scanning solutions, NeatDesk® and NeatReceipts®, and the cloud and mobile solutions, NeatCloud®, and NeatMobile®. These solutions provide small business owners with an easy way to effectively regulate expenses through document management. Users can scan and import crucial files into their Neat Digital Filing System which makes every document keyword searchable. Neat’s Digital Filing System provides users with a quick and efficient way to manage their documents in one location. For more information, visit www.neat.com. 62

The Answer is Yes But First You Have to Ask: How the Simple Art of Asking can Totally Improve Your Life

Home Business

| July/August 2013

sking empowers us, yet it is one of the most underutilized tools we possess. In his insightful new book The Answer is Yes But First You Have to Ask, professional consultant and keynote motivational speaker Jim Charette explores the power of questions to help deliver more of what we want and need. The book covers key points such as:

■ Asking creates opportunities. Ask for feedback and then inquire as to what you must do in order to get what you want. ■ Don’t stop at “no” — consider it to be just the beginning. View it as the beginning of a negotiation, and ask what it would take to get a yes. ■ Suspend certain assumptions; don’t let the assumption of a negative response stop you from asking. Don’t say no for them. Assume that you’ll get what you ask for. ■ Focus on and listen to the answers. Sharpen your listening skills to ensure you understand what’s actually said. ■ Knowledge alone is not enough; seek to turn it into action. Put your new-found knowledge to good use and make something happen! Visit www.jimcharette.com. Available at www.amazon.com.

Flirting With the Uninterested: Innovating in a “Sold, Not Bought” Category By Maria Ferrante-Schepis and G. Michael Maddock

o you sense that the insurance industry is headed for an upheaval? Do you suspect that there is some brilliant, forward-thinking entrepreneur in a garage somewhere about to reinvent the game? Do you find it hard to make your case for leading change, while everyone else is still talking the same way, doing the same things, and getting the same results? More important, when you raise the issue, do those around you look at you like you are crazy? Do they tell you that this category is different because the product is “sold, not bought?” You are not crazy. The industry IS ripe for reinvention, and the sold, not bought paradigm is ready for a shift. The question is, how can YOU lead the shift versus having someone outside the industry do it, AND have the organizational support you need along the way? Flirting With the Uninterested: Innovating in a “Sold, Not Bought” Category is a book that can help leaders like you begin the journey to innovating in a “sold, not bought” category. Available at www.amazon.com. www.homebusinessmag.com

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Interview with Gwyneth Paltrow Continued from page 20

Q: You also ventured into singing with Glee,

on Facebook, Twitter etc.?

a while. I am not such a social media person. But I definitely e-mail, because I work heavily on e-mail. Q: Since you’re most of the time at home, do you miss being on a set every once in a while? GP: No. I work enough, so I am satisfied. I

find one hopefully great thing to do every year. I do that, and that’s perfect. I enjoy being home and raising my children myself. Q: Would you recommend to women to cut

GP: I did just one for their movie.

GP: It’s a personal thing. The best thing I can

I would do singing attached to a film. I did a country music movie that I loved doing. I loved doing the music for that. I am developing a musical movie right now. I would not make my own record, but I would definitely keep doing musicals. Home Business

Courtesy of Reuters

GP: I don’t Facebook. I tweet every once in

you even performed on stage. Did you go on tour with them?

Q: Do you want to do more singing in the future? A record perhaps?

Q: Are you a techie? Do you e-mail? Are you

Courtesy of Reuters

GP: Nothing external upsets me. If something in my personal life, if, God forbid, something is going on with my children or my husband, then I feel empathy and upsetness there. But not as a public person. I really understand my place in the world and what I’m doing, and I do everything with 100 per cent authenticity and all my heart. I understand especially when I talk about things that may be slightly cutting edge — it’s difficult for people to change or think: I could really change my life or the way I feel with certain things. I understand why people push back, because it’s so much easier to stay in a victim state-of-mind.

“I enjoy being home and raising my children myself.”

back on their work for their kids? recommend to mothers is to support other mothers and not judge them for the choices they make. We are all trying to do so much. I feel irate when I see people judging mothers for the choices they make or don’t make. I feel like we are all in it together and we should support each other.

GP: I just had this incident where we were going to see Justin Bieber, and my son put together that Justin Bieber or someone else might know who I am — like someone that he thinks is great, that might know who I am from Iron Man. It’s recent for him where he goes, “Oh, you are in movies.” They didn’t make that connection for a while.

Q: Can you remember when your kids realized

what you were doing as a job?

| July/August 2013

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B A C K YA R D

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July/August 2013 | Home Business

HOME IMPROVEMENT

OF INTEREST TO ALL

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INTERNET & E-COMMERCE

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| July/August 2013

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