December 2016 Home Business by Home Business Magazine

H H O O M M E E B B U U S SI NI N E E S S S S

225+ HOME-BASED BUSINESS START-UPS GET STARTED TODAY!

Home-Based Business & Opportunity Magazine

December 2016

START-UP

10+

Easy-to-Launch Start-Ups in 2017 – Pg. 22

GUIDE For Hard Times! Get a Home-Based Biz Running When Times are Tough - Pg. 14

FREELANCING: Countless Opportunities to Explore MOBILE MONEY: Dollars for Millennials FREE TRAFFIC: Get Traction with Search Engine Optimization SPACE UPGRADE: Back-Ups for Your Home Office PUSH-CART PROFITS: Six Figures in Food Vending FASHION-PRENEUR: She Combines Glamour & Functionality

KA-CHING: Leverage the Power of the Penny Auction. – Pg. 51 INTERVIEW: Julia Roberts “Rising to One’s True Self in a Crisis” – Pg. 20

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SUCCESS STORY

Imagine if you could get paid monthly on these services that people already use!

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Home Business November/December 2016

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Shane Douglas, one of the home-based business industry’s top income earners and trainers is looking to mentor the right motivated individual this year to achieve success with his premier home based business model. Visit www.BTHE1.com

t’s a fact that everyone has utility and monthly bills: Electric, gas, cell phone, TV, Internet, and the list goes on. And no matter how financially

challenged or wealthy someone may be, these essential services are needed and can never be paid off; everyone will have to pay for these services for the rest of their lives out of necessity.

So when a global company is open in 24 countries worldwide and endorsed by one of the wealthiest people in the world, who features this company on his hit primetime reality TV show not once but twice, says you should find out more, would you want to hear more about it?

The way Shane has grown to be one of the top income earners and trainers in this business is by following the system the company offers all of its independent business owners (IBOs). He says that he tells people they can get the same services from the same major service providers, but get paid. Then, according to Shane, all he does is direct them to his online store, which is included in the companies start up business package.

What if this same company said they’d pay you generously for helping others get paid when they pay their monthly essential bills, would you want to know even more? Shane Douglas did, and it’s paid off in an incredible way for him. It’s been 10 years since this Idaho native living in a town of just 1,500 people

“Our system can be 100% automated for you,” he explains. “Simply direct potential customers to your online store that the company provides for you, and they can sign up for any of these services with many of the major companies that are available in their area. When they sign up on your online store, you receive a residual commission every month when they pay their bills. It’s that simple.” The key to his success, he says, is that he doesn’t complicate his business; he just goes out and shares the company’s program and his personal story. ”Before you join some other company that makes pie in the sky promises,

started his home-based business helping people achieve their financial goals and showing them how they too can get paid every time they pay their own

ask yourself one simple question. Would people I know buy this product/ service even if I wasn’t involved with this company and making money? If the

monthly bills. “I was tired of all the promises from other companies that say you can

answer is NO then you should be prepared to be in sales and the team your going to build better be prepared to be sales people. Because no matter how

become wealthy over night only to find out you have to sell and teach others how to sell products that are either overpriced or only appeal to a small percentage of the population,” says Shane.

much money they say you can make it won’t matter if you or your team of business partners can’t sell. This is where we are different, as I said before we only provide essential services that people need, want and can’t be paid off. This is an incredible

“Our company is different: We only offer services that people pay on monthly basis like gas, electricity, TV, internet, cell phones, home security and more. And I don’t sell anything; I just simply show others how to get paid every month for services they were going to use anyway and teach others to do the same.” Shane explains that recent deregulation of Energy providers around the

business model with the right services behind it,” says Shane “It might not be sexy—it’s utilities after all—but it is simple to just share the story. Everyone can relate, because everyone pays these bills, because they have to,” he says. “I’ve been fortunate to have had major success with this company by taking

country has opened up a significant opportunity for more people to choose who they get their service with, people like to know they have a choice, Shane says. This, in turn, creates more opportunity for entrepreneurs to grow their

action and so has my team. We’ve expanded all over the world by sharing this simple concept with others. Shane is looking to mentor the right motivated individual this year to the same level of success that he has accomplished,

business with our company.

would you like it to be you? ■

“In this declining economy, home-based businesses are on the rise. People want to supplement their income and possibly replace their incomes while working from home. So the opportunity to get paid every single month when

To see more information about this company go to www.BThe1.com. Their proven leadership, who started out just like you, are here to

someone turns on their lights, heats their home, uses their cellphone watches

answer your questions and help you get started.

TV, logs onto the Internet or arms their security system is a no-brainer,” he says.

www.homebusinessmag.com

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November/December 2016 | Home Business

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Contents

Home-Based Business & Opportunity Magazine

Magazine

November/December 2016 BUSINESSES & OPPORTUNITIES

Freelance Workers Who Break the Mold. Countless

opportunities to explore in numerous fields.

Small Biz Ad Marketplace.

Classified Ads.

Freelancing: Set your own hours and work for yourself with multiple clients.

HOME OFFICE Kick-Start a Home Business: Utilize key start-up essentials.

FEATURES

Professional Spaces for Home Businesses. Alternatives to foregoing the home office and renting “straight space.”

44,46

Book/Product Reviews. Hot items to help increase your productivity.

Interview with Julia Roberts. Actress Comments on Starring in Money Monsters, on the Complex Financial World, Rising in a Crisis, Choosing Roles, Expressing Feelings, and the Dangers of Being Indifferent 10+ Easy-to-Launch Start-Ups. Get Up and Running in 2017.

MONEY CORNER © Reuters

Home Business Start-Up Guide! A Home-Based Business Is the Best Type of Business to Operate When Times Are Hard.

Connecting with Millennials: Mobile apps help improve their financial future.

Letter from the Publisher.

WORK-FROM-HOME SUCCESS STORIES Letters to the Editor & Notice to Readers.

MARKETING & SALES

Don’t put off saving and investing.

Julia Roberts: “It’s always fun when you get to sort of learn a skill or really get into the mechanics of a job as an actor.”

NEWS AND REVIEWS

10 12

Mobile Money Management for Millennials.

Internet Marketing with Key SEO Tactics.

Get traction in search engines.

SEO: Boost the search engine presence of your business.

Support Health and Make Money.

Combining Glamour and Functionality.

32 38

Think Outside the Box.

39 46 54

Taste for the Exotic.

Boost Mood With Essential Oils. A Fresh Take on Healing with Kindness. Aromatherapy: Coreena D’Alessandro and Family Tackles Socks Marianne VanderWall Industry. co-founded Cor Pendant. November/December 2016 | Home Business

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Volume 23 Issue 6, November/December 2016 www.homebusinessmag.com

The Home Business Team ®

Publisher Richard Henderson United Marketing & Research Company, Inc. Editor-in-Chief Stacy Ann Henderson Managing Editor Sherilyn Colleen Experts Editor Shannah Carol Graphic Services Kara Primm, Slice, Inc. Production Manager Jon Crossley, Ultra Graphics Digital Ad Production Angel Macias, Ultra Graphics Art Direction Richard Rabil Advertising advertise@homebusinessmag.com Phone: 800-734-7042 Shayla Christine http://www.homebusinessmag.com/magazine-advertisng http://www.homebusinessmag.com/online-advertising Distribution Manager Richard Trummer, Curtis Specialized Circulation Bob Kennedy, Cavendish Media Circulation Manager Dennis Porti, Curtis Michelle Ingenito, Curtis Subscriptions Publication Fulfillment Services Int. Call 888-881-5861 - M - F 8am-4pm PST. For International, call 714-226-9782. Fax: 714-226-9733 Email: homebusinessmag@pfsmag.com Print Manager Kris Hayner, LSC Communications Karen Hutchinson, LSC Communications Reprints Betsy White, The Reprint Outsource, bwhite@reprintoutsource.com Mailing Lists www.homebusinessmag.com (Click on “Mailing Lists” to order) Mailing List Manager Paula Dazi, paulad@macromark.com List File Manager Travis McMillian, Lee Coats Newton Digital Media Manager Jim Pappadeas, Epsilon Digital Media E-Readers Bob Mehta, Supremus Group Rachel Unclebach, Libre Digital Internet Manager Rob Thompson, Infoswell Media SEO Tim Schmidt, Search Engine Optimization Experts Social Media Sherilyn Colleen At Your Service Portal Lisa Schneegans, Buzz 360 IT/Computer Operations Jim Easton, letmefixyourpc.com Customer Service Email: customerservice@homebusinessmag.com Phone: (800) 734-7042 Fax: 714-388-3883

Editorial Billy Cripe, Leslie Libeskind, Andy Meyer, Tim Schmidt, and others.

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

Home Business Magazine Home Business Magazine (ISSN 1092-4779) is published by United Marketing and Research Company, Inc., 20664 Jutland Place, Lakeville, MN 55044. 6-issue 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

Magazine M i

Difficult Economic Times Offer Unique Benefits for New Start-Ups Look for Ways to Leverage Scarce Capital No doubt about it. The times remain tough for launching a start-up. Even if the overall economy seems to be moving along OK, the environment for small business start-ups remains difficult. I get a lot of feedback from readers and advertisers on how tough things are. So our final issue in 2016, the November/ December issue, gives you cover story advice tailored to the specific challenges of launching a new business in difficult economic times. I have a few “theories” of my own about why the start-up environment can be arduous. One big challenge is overall consumer demand. Many households are still laden with high levels of debt and uncertainties about the future, after the 2009 financial collapse. This is still impacting disposable income to purchase goods and services. Another challenge is that access to start-up capital remains constrained, such as through traditional business loans. This pushes many towards credit card financing that comes with high interest rates. But like all obstacles, challenges can be turned into opportunities. Innovative ways to target your market can turn lower consumer demand into increased sales and business. New and emerging methods to fund a new business start-up, such as crowdfunding, can counterbalance funding gaps from traditional sources. Tough economic times can also open up new business opportunities. As the environment is tough for all small and home-based businesses, it’s also difficult for your vendors too. This can create the opportunity to leverage mutual support from a business owner whom you need vendor services. A common way to leverage this support is through cross-market arrangements. For example, you sell a product and you have developed a good list of clients, and you reach even more prospects through your website. And say that you, for example, require graphic design services for a marketing piece that you want to mail out. So rather than paying a graphic designer for his or her services on this project, you look for ways that your graphic designer can target your customer base. This might include marketing on your website or inclusion in your newsletter. Your graphic designer gains more customers and you gain a marketing piece — win-win for both of you. Another “tough times” technique is to leverage business diversification. Every home-based business owner should have a goal to diversify with at least one other business. One way to achieve this is through forming a partnership or venture with another small business owner. When the economy is challenging, these other business owners are also looking for joint ventures, and will be more inclined to partner with you. Look for other businesses with whom there is natural crossover in marketing and customer bases. In addition, look for ways to automate and streamline your operations in a difficult market. One area is your actual marketing. Check out Home Business Magazine’s automated marketing platform (www.buzz350.co/homebusiness) or another automated platform. Such platforms can automate client referrals, email marketing, social media posting, reviews generation, contact management, website development and more. Marketing automation gives you back a little more of what is most important in your business — time. I hope that our November/December 2016 issue helps to get you ready for greater success in 2017.

Printed in the United States

Publisher, Home Business® Magazine 10

Home Business | November/December 2016

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www.homebusinessmag.com

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DEAR HOME BUSINESS

H H O O M M E E B B U U S SI NI N E ES S S S

225+ HOME-BASED T-UPS BUSINESS STAR GET STARTED

TODAY!

ss & Home-Based Busine ine Opportunity Magaz

Fall 2016

10+

ONLINE

Cutting-Edge Start-Ups for– 2016 Pg. 22

BUSINESS START-UPS Up, Running, Get an Online Biz ly! - Pg. 14 and Profitable Quick

ELECTION 2016: Who’s Best for Home Biz? – Pg. 22

Sales ETING: Increase INCENTIVE MARK Your Start-Up : Raise Funds for CROWDFUNDING Firm ur Launches P.R. prene Mom N: MEDIA MAVE G: CLOUD COMPUTIN ctivity Maximize Produ ? HOUR $75-$175 PER Up! s Tile Cleaning Clean als $6 Figure Ted Wilson Reve ork Marketing Secrets for Netw Success – Pg. 46

Cooper INTERVIEW: Bradley Pg. 20 ”– “Power of Big Dreams

WWW.HOMEBU

OM SINESSMAG.C

Ideas to Make Your Meetings Memorable In a perfect world, you would have an unlimited budget to hire top keynote speakers for all of your meetings and conventions. Since it’s not, here are some proven suggestions that have been successfully incorporated by many companies and associations. 1. Save on Hotels and Airfare- Cutting the number of speakers will most likely reduce the total nights of lodging needed. 2. Speakers May Reduce Fee- Many speakers will conduct multiple presentations for the same fee and discount several days in the same location. 3. It’s Easier to Get Sponsors- Trading up to a more seasoned or bigger-name speaker makes it easier for you to get sponsors. 4. More Bang for Your Buck- Many successful meeting planners are able to negotiate with their speakers for extras. 5. Next Time You Book a Speaker- If your speaker does not ask how else he can serve you, perhaps you should consider continuing the search. Patricia Fripp Keynote speaker and executive speech coach Sales presentation skills trainer www.fripp.com

Why Clutter Hurts Your Leadership It’s a simple fact: Clutter is postponed decisions. Many entrepreneurs and managers have cluttered offices — unless they have an organized assistant. Entrepreneurs and

managers think “big picture,” but following through on details can be a struggle. They like to start things, but finishing them can be a challenge. Often the more brilliant a person is, the messier his/her office is. Sorting and filing seems like a lower priority than creating a new product or serving your customer. But is it? It’s easy for observers to wonder, “If someone can’t manage their own office, how can they manage a department or a company?” There are numerous ways an office can be organized, but statistically, most offices simply have too much stuff. Look at each item in your office and ask the question, “Does this help me accomplish my work or enjoy my life?” If the answer is “No,” but you’re still reluctant to get rid of something, ask, “What’s the worst possible thing that would happen if I didn’t have this?” If you can live with your answer, “donate, recycle, or toss it”—and work happily ever after. Barbara Hemphill Founder of Productive Environment Institute Speaker Author of Less Clutter More Life www.BarbaraHemphill.com

Letter of Appreciation for Home Business Magazine Online Recently I had the privilege of going through your article online http://homebusinessmag. com/businesses/ecommerce/search-engineoptimization/feed/. Your blog gave me a certain kind of satisfaction that is rarely witnessed in today’s fast-paced world of re-purposed and commoditized content. I can assure you that your article ticked all the right boxes. So through this email, I would like to earnestly congratulate you for the great work. Kudos! As I am a blogger myself in the High Technology space I can understand the pains of doing extensive research and coming up with an article that is simply flawless. Hope I get to read more of your articles and blogs soon. Vaishnavi Agrawal http://bigdataanalyticsnews.com/ relevance-big-data/ http://technofaq.org/posts/2015/07/ hardware-and-software-the-unending-clash/

A College Secret Spring semester of college is around the corner and with that comes a lot of worry. Students worry about paying for the essentials,

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. 12

Home Business November/December 2016

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like books, and they have an “oh shoot” moment when they realize they will have to be an adult once they’ve graduated. The decisions are looming – but will they make the right one? There are many ways that you can save when buying textbooks that the college textbook industry doesn’t want you to know about. Chris Manns Managing Director of www.CheapestTextbooks.com Managing Director of www.TextbookRentals.com

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. ©1993-2016. 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

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F E AT U R E

Home Business Start-Up Guide! A Home-Based Business Is the Best Type of Business to Operate When Times Are Hard By a Panel of Home Business Experts

n the face of a job market that is oversaturated with educated hopefuls and exceedingly competitive to the level of being impenetrable, people are grasping at drastic measures to make enough money to pay the bills each month. Rent prices increase steadily each year as salaries have lowered for well-qualified hirees. A master’s degree no longer promises graduates a smooth pathway to a top tier enterprise career. Considering leaving behind the corporate world of long hours behind a desk, surviving the drama of office politics and shouldering criticism with little reward in the name of earning a reasonable living? Read on to learn from a panel of home business experts how: to turn a passion project into a profitable home business; how to ensure your business is legally protected; how to take your home-based business to the next level; and how to keep tax issues in mind when managing a home business.

“

The most important part of the pitch for venture capitalists is a company’s team and ﬁnancials, so make sure you are very thoughtful during this portion.

”

Turn a Passion Project into a Viable Business By Kris Finstad At the age of 35, I had an epiphany. After health issues forced me to take time off from my fulfilling and lucrative career in real estate, I realized that life was full of uncertainty (yes, as cliché as that may sound) and that I had to step back from my work and focus on what mattered — my family. One evening while I was at home 14

recovering, I happily volunteered Forecast the next big innovation in your industry to see the larger to prepare dinner picture and launch a successful business. for my daughter and her friend larger picture and let your business evolve. (cooking had become a new hobby and The market is always changing — new techserved as great rehabilitation), who suffered nology, new discoveries and being able to severe food allergies. As any father would, I anticipate change will allow your business to diligently scoured each nutrition label and adapt and stay prosperous. cross-referenced them against a 10-page list of ingredients the friend must avoid, which 2. Round up a knowledgeable and dedicatwas provided by the girl’s parents. I was coned team. fident the meal I prepared was suitable. You can’t run a business alone. Every busiAfter sending my daughter’s friend to the emergency room, I sat in the hospital lobby combing through every detail of that evening, thinking there had to be a better way for parents and average consumers to decipher food labels. From that moment on, I spent the following nine months researching the food and allergy industry and developing an application to aid in solving this problem. Launched in the U.S. in 2015, I developed ContentChecked for the countless families that suffer from potentially fatal food allergies. Now, there are more than 2 million users on the platform, and 66% of the users use the app on a regular basis. Here’s how I was able to start and grow my own business. Follow these steps to start and grow your own: 1. Have a well-defined business strategy and forecast of the future. Know your industry. After conducting enough research and evaluation of a particular industry, an understanding of what is lacking on the market or what can be improved will become clear. You can’t build a market out of a one-time concept; it needs to have consistency. Try to forecast the next big innovation in your industry. This will help you to see the

Home Business November/December 2016

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nessperson has his strengths and weaknesses and needs a team that will complement each. First, start with a management team and staff that you trust and are experts in each of their respective fields. This will allow you to step away from micromanaging and focus on the big picture. This helps with productivity and to maintain a balanced workload. Rounding up a dedicated team may seem challenging

Referral basis is the most proven way to ﬁnd the right employees who know what they’re doing and are close to the business. Continued on page 16

www.homebusinessmag.com

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“ I ‘Retired Early’...

Then Made $27,000 Part-time in a Business of My Own.” “$2 000 P “$27,000 Part-time i iisn’t ’ b bad d ffor a guy who h quit i hi his job. I ‘retired early’ from the insurance and securities business, now I make good money part-time with Pace, and have as much work as I care to handle.”

— A true story by a very happy Pace distributor. I’m still amazed how things have “changed since I became a Pace Distributor! Let me tell you how it all started... When the national “economy wasn’t going

The first year I did 15 roof jobs. Almost too well, I decided to double that the second get out of the business year, and had a huge I was in. I had given backlog. Most of these some thought to were big jobs like the retiring, but was really county home, the too young for that. Chevy-Buick garage, Well, it so happened bank building, city my own commercial hall. Big jobs mean big building had a money! leaky roof. Roofing “The business I used to contractors prices be in had been pretty were literally sky high! good to me, but I had Then I remembered to work both nights an article about Pace and days. With Pace, Products and how business just seems with their exclusive to fall into your lap. Seamless Spray process I don’t really do any you could actually promoting or ‘selling’... bypass high priced most of my sales come contractors. I sent for from referrals, and my their literature, saw phone is ringing all the how easy it was to sell, time. and I wound up doing “What I like to tell the roof myself using people is that Pace Pace products and offers a fine income know how. opportunity. You can “Well, word got around start working as little about how much as two hours a week, money I had saved then go full time when and that opened a your income exceeds whole new world of your regular job. opportunity. Ever since What our successful then I’ve been like a Pace distributor is cat on a hot tin roof? too modest to say is

”

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that he actually did over $100,000 worth of roofing business last year, in spite of living in a depressed farming area! And that’s working less than half of the year, leaving the rest of the time for his family and other interests. What makes Pace such a good business is that it costs a fortune for schools, hospitals, plants and other commercial buildings to have roofing companies repair or re-do their roofs. Pace bypasses the roofer — lets the building owner apply Pace Seamless Spray right over the old roof... and the smallest Seamless Spray order earns you over $2,000 in commissions. Pace ships the Seamless Spray equipment on Free Loan. Your customer pays only for the roofing products. His own men apply it (or if you want to make even more money, you can handle the application too). It’s as simple as that.

For FREE Information Call Toll Free

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Home Business Start-Up Guide! Continued from page 14

Overall, these three components are key. It may seem like a long road ahead when launching a new business, but charting a clear course and hiring a team for support can set you up for success.

F E AT U R E

and it can certainly take time, but if you exert stellar management skills — i.e. setting internal goals for staff each day and clearly defining expectations — you’ll be able to observe staff that is dedicated and enthusiastic. This will help weed out the staff that isn’t a fit or isn’t dedicated to your vision. Hiring talent who bring in skills that you don’t possess is also extremely important — this allows companies to think outside the box and bring in multiple perspectives that are different from your own. The truth is that referral basis is the most proven way to find the right employees who know what they’re doing and are close to the business. If you’re outsourcing talent, make sure to fly them into your headquarters every few months and use Skype to create a more familial bond. 3. Land investment — perfect your pitch. Target firms that are already aligned with what your company does and approach them first. It sounds so simple, but good ideas and good businesses will stand out and get funded. Show investors that you have a solid plan and smart team backing it up. That’s the first part; the second part is perfecting your pitch.

Intellectual property is deﬁned as creations of the mind.

This last year, VC’s have had a tight grip on funding, which brings more competition to lock down those dollars. When pitching investors, show that you are conservative with your capital and how your business will be profitable early on. The bottom line for entrepreneurs who have started a passion project and want to turn it into a viable business — it must be profitable. The most important part of the pitch for venture capitalists is a company’s team and financials, so make sure you are very thoughtful during this portion. For early companies, it may not make sense to include financials since it might be too early on to include accurate projections — there are a portion of these companies that do get funded, but it’s a much smaller percentage.

Kris Finstad is the Founder, CEO, President and Director of Los Angeles based corporation Content Checked Holdings Inc. (ContentChecked). Since 2014, ContentChecked has served as a fast, reliable, and efficient mobile application that helps consumers make empowered purchasing decisions in accordance with their dietary preferences. He is Co-founder of CheckContent AS, Norway, a Scandinavian branch of the food allergy application company. Kris has also co-founded and funded several startups in the technology, real estate and the bio-tech fields and holds several board member positions with various organizations. Visit www.contentchecked.com.

Ensure Your Home Business is Legally Protected By Matthew Horn, Esq. Whether you’re just starting out or you have been operating for years, there are many legal obligations and issues that confront small business owners. This article will provide you with tips to ensure your home business is legally protected. 1. File originating documents. For most businesses other than sole proprietorships and partnerships, certain legal

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documents must be filled out and submitted in order to initiate business operations. If you are operating as a corporation, you need to file articles of incorporation, and if you are operating an LLC, you need to file articles of organization. This doesn’t take much time, but is an essential step nonetheless. 2. Select a viable business name. Ensure that your business name is different than the names of existing businesses that offer the same or similar products and services, particularly in the same geographic locations, in order to avoid confusion and potential litigation over use of another business’s trade name. To do this, check state and federal name registries (secretary of state, USTPO, etc.) to see whether other businesses have the same or similar names. Similarly, if you plan on creating a website for your business, you should also check domain name

If you are operating as a “ corporation, you need to ﬁle articles of incorporation, and if you are operating an LLC, you need to ﬁle articles of organization.

”

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registries to see if the domain name that correlates with your business name is available. 3. Obtain all necessary licenses and permits. Many businesses require some form of license or permit to operate, whether they are issued by a federal, state, or local government. Research the requirements for your business, and then obtain all necessary licenses and permits. 4. Adopt governing documents. The structure you choose for your business may determine the type of governing documents you need to have in place, such as operating agreements, bylaws, etc. Whether they are legally required or not, written operating agreements and bylaws should be adopted for every business. These documents identify and set out the company’s structure, ownership, voting rights, responsibilities of directors, dayto-day operations, how profits and losses will be treated, and more. 5. Implement written contracts and agreements Many small businesses make the mistake of operating without written contracts, preferring to do business “on a handshake.” This is

a recipe for disaster. Having written contracts helps all parties understand their rights and obligations. Prepare and implement them.

“

If someone doesn’t pay you and there’s no basis for the nonpayment, pursue them — either using a debt collector or an attorney.

”

6. Market properly. There are many legal issues that arise relating to the way businesses market and advertise their products and services. These are governed by the Federal Trade Commission (FTC) and also by state and local laws. The most basic rule with regard to advertising and marketing is that you cannot use deceptive practices to market or advertise. Do not run afoul of it. 7. Protect intellectual property. Intellectual property is defined as creations of the mind. Every business has some intellectual property, whether that is the secret recipe for your restaurant, the special method Continued on page 18

November/December 2016 | Home Business

10/4/16 2:07 PM

F E AT U R E

Home Business Start-Up Guide! Continued from page 17

used for creating your product, or simply your business name or logo. There are specific steps you must take in order to protect your business’s intellectual property, which can be protected through copyright (written and artistic content), trademark (logos and slogans), or patent (inventions). Take those steps — or someone might misappropriate your intellectual property, and, ultimately, your business. 8. Comply with employment obligations. If your business has employees, you will need to ensure that your business complies with a myriad of federal and state employment laws. For starters, you must pay employees at least minimum wage (including overtime, when applicable), operate a safe workplace, and treat employees fairly. If you are not interested in having employees but need help operating your business and are willing to give up some level of control over those that work for you, then independent contractors should be considered — but they too come with their own legal issues. 9. Get your financial matters in order. First, open bank accounts and obtain credit in the name of your business, and keep

Video is a powerful medium to market and speak about your new product.

those accounts separate from your personal accounts. Failure to do so may result in a court finding that your business is not a separate legal entity, resulting in you becoming personally liable for debts or lawsuits against the business. Second, ensure you pay all necessary taxes — employment taxes, income taxes, sales tax, etc. Third, get insurance. Certain insurances (auto, worker’s comp., etc.) are usually required by law in order for you to operate your business, but other forms of insurance, while not legally required, are

typically advised for businesses to acquire. Fourth, manage your receivables. If someone doesn’t pay you and there’s no basis for the non-payment, pursue them — either using a debt collector or an attorney. 10. Adopt a recordkeeping program. As your business grows, you will have to maintain accurate books and records for your business. A common issue for small businesses is failing to maintain the required records. These records may include minutes of corporate meetings, stock certificates, financial statements, payroll documentation, injury logs, etc. Adopt a record keeping program and follow it.

“

Regardless of the type of business you operate, you need a trusted attorney to help you wade through the many legal issues you will encounter in the operation of your business.

”

Regardless of the type of business you operate, you need a trusted attorney to help you wade through the many legal issues you will encounter in the operation of your business. To find the perfect attorney for you and your business, quickly post a short summary of your legal needs on www.legalserviceslink. com, and let the perfect attorney come to you. No time, no hassle, no cost. Matthew Horn, Esq. is the President and Co-Founder of Legal Services Link, a leading online platform connecting those with legal needs with attorneys interested in satisfying those needs—at the click of a button. He holds a BS in Accounting from the University of Illinois, Urbana-Champaign, and a JD from The John Marshall Law School. Visit www.legalserviceslink.com.

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10/4/16 2:07 PM

Take Your Home-Based Business to the Next Level By Ty Kiisel Many entrepreneurs start businesses out of their homes. For some, it’s a part-time endeavor. For others, it grows out of the living room or the garage and becomes a full-fledged, honest-to-goodness, hiringlots-of-people, moneymaking enterprise. Tamara Monosoff, author of The Mom Inventors Handbook and Secrets of Millionaire Moms, teaches budding inventors how to take their ideas for new products from their dining room table to market. Monosoff is the former Chief of Staff for the Office of Vocational and Adult Education in the U.S. Department of Education, Education Director for the President’s Commission on White House Fellowships, and Senior Communication Associate for the President’s Initiative on Race at the White House during the Clinton administration. She has written six books (including the two mentioned above) designed to help entrepreneurs. Her focus has been to help home-based inventors find ways to develop their ideas into viable products and take them to

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market. She helps these business owners with everything from finding a fabricator to reaching out to the buyers at major retailers.

Don’t be afraid to look at “things like crowdfunding, friends and family, SBA microloans or online lenders to ﬁnd the capital you might need.

”

SLUGGISH ECONOMY

When I spoke with her, she offered some suggestions for entrepreneurs developing new products: 1.

Keep it simple. It’s always tempting to overcomplicate things. Keep your sales, marketing, production and business operations simple. Get on camera. Video is a powerful medium; she suggests you take advantage of it. What’s more, “Don’t be afraid to go on camera and show how your invention works,” she Continued on page 52

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November/December 2016 | Home Business

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Interview with

Julia Roberts On Starring in Money Monsters, on the Complex Financial World, Rising to One’s True Self in a Crisis, Choosing Her Roles Instinctively, Expressing Her Feelings, and the Dangers of Being Indifferent

Question (Q): Recently you starred in Money Monster. What is surreal about this film and what is its impact today? There is a lot of truth in what we see and it’s very scary in which the way the world of finance is affecting all of us. Was this world something that you have given thought to in the past? Julia Roberts (JR): Well, I think it speaks to a legitimate frustration that many people around the world have about the complexities of the financial world and how really designed it seems to be to baffle people. And even the people that should be responsible for providing answers don’t have answers to provide.

And I think we saw that in 2008 when so many people were brought before the Senate and questioned and asked to be accountable, and everyone just sort of didn’t know the answers. So I think it’s a real frustration that a lot of people feel.

Cou Courte ouurrtrte tteesy sy of of RReeeuuter teers

F E AT U R E

By The Interview People

Per actress Julia Roberts, “It’s always fun when you get to sort of learn a skill or really get into the mechanics of a job as an actor.”

Q: What did you like most in your role as Patty and did you like her job? JR: Well, you know it’s always fun when you get to sort of learn a skill or really get into the mechanics of a job as an actor. And so I really enjoyed the opportunity and time that

I had. It’s a great luxury to have it, to do the research, to be in different control rooms for different TV shows at a television studio in midtown Manhattan. And Jodie Foster (director) got me a lot of access to different — I saw news being

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in it, a truly dramatic and fearful crisis like that, that I could try to rise to my true self.” – Julia Roberts programmed and different daytime shows being programmed and so it was really exciting and helpful for me to get to see what the tension feels like, how that many people move in a room that small and get around and get their jobs done. It was just a unique opportunity for me to have a lot of time to spend in that environment and bring that into our control room when we started shooting in there.

JR: I fortunately have never been so close to immediate peril like that. But I think you see people in a crisis, you see them rise to their true selves, I believe. And I would hope if I were in it, a truly dramatic and fearful crisis like that, that I could try to rise to my true self. Q: Were there times where either one of you questioned what your character was doing? Wondering, you know, if I were in this situation how would I behave? JR: Well, I mean for me, I think Patty really – this is her whole life and her world and her family are these people. And I think very much like the captain of a ship wants to make sure everybody can get out safely. And she stays there as long as she can and is actually removed quite reluctantly in the

Couurte Co Cou rtrteesy sy of o Reu Reu e ter ters rs

“I would hope if I were

Q: Have you ever been as afraid but also as strong as your character in real life?

According to actress Julia Roberts, “Even the people that should be responsible for providing answers don’t have answers to provide.“

end. I would hope that I could be that brave in a situation — put others before yourselves as best you can.

“I think it speaks to a legitimate frustration that many

Q: Generally, how do you decide to do a part, to do a role or not? What is the most important factor to saying yes or no?

people around the world have about the complexities of the ﬁnancial world and how really designed it seems to be to bafﬂe people.”

JR: It’s always just been an instinct I feel as I turn the last page. I either feel the yes or I feel that it’s not for me. And I’ve very rarely can be swayed away from that initial feeling.

– Julia Roberts

Continued on page 56

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November/December 2016 | Home Business

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F E AT U R E

10+ Easy-to-Launch Start-Ups 1.

Property Manager: Ideal for active and organized individuals, property managers are available for tenants to call in for any issues. If the properties are seasonal and the renters or owners vacate the property for an extended period of time, property managers make sure rental units are up to par in regards to the rooms’ cleanliness, and they check that the appliances and plumbing are kept in prime condition.

Gigwalker: Gigwalk is a mobile enterprise app entrepreneurs can utilize to search through an eclectic range of opportunities. The app offers the ability to attain a solid supplemental income, and is perfect for when there is a free moment in the day and a desire to conveniently earn a bit of extra cash, as the jobs that pop up are all within walking distance.

Pet Sitter: Any person can launch a pet sitting business if they have a background in owning and caring for a pet, volunteering at a shelter, or working for a pet shop or veterinary clinic. Animal lovers will particularly enjoy this position and find the most success — owners can tell when somebody will genuinely enjoy being around their beloved animal. Pet sitting can involve light grooming, walks, feeding of the animals, and playtime.

Small Business Marketing Consultant: Freelancers with high energy and a talent for garnering peoples’ interest in new businesses or products can find success as a small biz marketing consultant. The job has endless potential to be a fruitful career, as there is always a new company looking for reasonably-priced marketing services to help draw in more customers.

eBay Shop Owner: Rather than letting unworn clothing sit in closets gathering dust, aspiring business owners can sort through their houses and pull together unused items and add them to an eBay store. eBay shares helpful information to easily get an online store running. With a PayPal account, an ability to take pictures and upload them online, and a willingness to research the asking price and quality components of a product, an eBay store can be launched in no time.

Vehicle Advertiser: Cars kept in decent condition can become a tool to pick up a few extra hundred dollars a month of income, all by advertising for a business! Sites such as Wrapify or Carvertise are good places for entrepreneurs to look when getting started. All sizes of cars have the potential to be used to generate easy profit. Boat Cleaner: This job is especially feasible for coastal citizens and people in the Midwest. On the coast, boats are in need of repairs and cleanings year-round, and in the Midwest, harsh winters call for meticulous upkeep and maintenance. Marketing cleaning services at local lakes or marinas is a good business strategy.

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Personal Chef: People with a knack for baking and cooking can turn their passion into profit. Busy families or single executives may need that extra help to keep their bodies well-fed with healthy and tasty food. This job can be a good part-time gig for chefs local to their clients, where they can hop over and cook up a meal and/or provide meal prep options throughout the week.

Home Energy Auditor: Utility bills can be expensive for homeowners with little knowledge on how to save money each month. A home energy auditor offers an audit of a home and details how to cut costs in electrical, heating and cooling usage. They run through a list of each appliance and rate the quality and efficiency based on the age and brand of the appliances.

10. Website Consultant: Many people lack the slightest inkling as to how to manage a website. A website consultant functions as a multi-faceted guide to maintaining a business’s website, working with: development, coding, hosting domain names, managing content, and keeping it secure. A competence in search engine optimization (SEO) and an understanding of link building and affiliate programs are essential skills for helping build authority and traffic for the site. 11. Ebook Writer: Skilled writers can offer ghostwriting services or publish their own books online. Long gone are the days where aspiring authors need to be signed on by a prestigious publication company to reach the public. Self-publishing sites offer a viable source of side income for writers to publish their works on helpful topics relating to business and life (the genres are endless). 12. Graffiti Remover: Businesses have little time to give to maintenance of the external walls of their property. With a cart of cleaning products and a bit of gumption, entrepreneurs can launch a graffiti removal business, targeting local businesses and offering bi-weekly graffiti clean-ups (this career is especially lucrative in bigger cities). 13. SAT Tutor: People with top SAT and ACT scores can consider offering tutoring services for high school students struggling with standardized tests or looking for a bit of extra preparation. SAT tutors get paid $100/hr to sharpen students’ test-taking abilities and help guarantee admission to a top-tier college or university. 14. Music Coach: Musicians can offer personal lessons for an instrument they are skilled at playing. A mastery of reading sheet music and writing music notes are essential for success. Checking out a community center to organize a class or advertising online are good avenues to begin with when launching a music teaching business. For additional information on starting a home-based business, visit http://www.homebusinessmag.com and http://expo.homebusinessmag.com/.

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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...

ave aveyou youever everwatched watchedJudge JudgeJudy Judy or or any any of of those those mid-afternoon mid-afternoon court courtTV TVshows showswhere wherepeople people sue sue each each other other for for unpaid unpaid rent rent or services? services?InInmany manycases, cases,Judge JudgeJudy Judyslams slamsdown down her her gavel gavel and and barks barks orders ordersatatthe thedefendant defendanttotopay payup, up, but but here's here's aa little little known known fact: fact: the the court courtdoes doesnot notenforce enforcethat thatjudgment. judgment.And And that that goes goes for for non-televised non-televised court courtcases casestoo. too. That's That'sright, right,just justbecause because aa judge judge orders orders someone someone to to pay pay aa debt debt doesn't doesn'tmean meanthat thatperson personisisgoing goingtoto do do it.it. Imagine Imagine ifif someone someone owed owed you youa afew fewthousand thousanddollars dollarsand anddecided decided not not to to pay pay you, you, regardless regardless of what whata acourt courtofoflaw lawordered. ordered.Would Wouldyou youknow knowwhat what to to do? do? Most Most people people don't, don't,sosothey theywait waitininfrustration frustrationfor forthe thedebt debtto tobe bepaid. paid. Christina ChristinaSmiley, Smiley,founder founder ofof Sierra Sierra Judgment Judgment Recovery Recovery and and selfselfproclaimed proclaimedopportunity opportunity junkie, junkie, learned learned how how to to profit profit from from this this little little known knownmarket marketofofunpaid unpaiddebt debtby byhelping helpingjudgment judgment holders holders collect. collect. She She explained explainedthere therewas wasvirtually virtuallyno no one one who who was was providing providing this this service. service. And And that that once once people people had had been been awarded awarded these these judgments... judgments... 80 80 percent percentofofthem themwere werenever neverpaid.” paid.” This Thisdiscovery discoverycouldn’t couldn’thave havecome come atata abetter bettertime; time; Christina Christina and and her her husband husbandTerry Terrywere werepart partowners ownersofofaa carpet carpet store store and and had had amassed amassed aa large largeamount amountofofdebt. debt. They Theyhad hadthree threesmall smallchildren childrenand and thought thoughtthat thatbybyowning owningaastore storethey'd they'd have havemore moremoney moneyand andtime timefor fortheir their family. family.Initially Initiallyit itwas wasan anexciting excitingtime time forfor them, them, but but that that dream dream quickly quickly turned turnedinto intoa anightmare nightmareofofdebt debt and and endless endlesshours hoursatatwork, work,as as Christina Christina remembers, remembers, "We "We accumulated accumulated monstrous monstrousdebt. debt.We Wewere weretruly trulyonly onlyaa few few paychecks paychecks away away from from being being homeless." homeless." And Andthen thenshe shelearned learned about about the the big bigmoney moneyininsmall smallclaims. claims.Christina Christina focused focusedononlearning learninghow how toto recover recover judgments judgmentsfor forpeople. people. She She says, says, "It "It was wastrial trialand anderror errorfor forsix sixmonths monthstotoaa year. year.I buried I buriedmy mynose noseinincivil civilcodes.” codes.” Christina Christinacontacted contacted aa number number ofof small smallbusinesses businessesininher herarea areatotosee seeifif they theycould coulduse useher herservices, services,and andas asitit turned turnedout, out,there therewas wasplenty plentyofofwork work forfor her. her. "These "These people people were were overjoyed overjoyedtotogive giveus usallallofoftheir theircases cases totocollect collectand andwere weremore morethan thanwilling willing toto letlet me me keep keep 50% 50% ofof what what I I collected collectedfor forthem," them,"she shesays. says. InInmost mostcases, cases,they theyhad hadfiled filedaway away their theirjudgments judgmentsaafew fewyears yearsprior priorwith with nonohope hopeofofever evercollecting collectingon on them. them. Christina's Christina's business, business, Sierra Sierra Judgment JudgmentRecovery, Recovery,gets getsthat thatmoney money back. back. These These people people figured figured they'd they'd never neversee seeany anyofofthat thatmoney moneyagain, again, sosothey're they'remore morethan than happy happy toto pay pay Christina's Christina'sfee. fee. Another Anotherattractive attractive aspect aspect ofof this this

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

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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Train at home to

Work at Home or get a great paying on-site job!

Č&#x160;Čą Â&#x203A;Â&#x160;Â&#x2019;Â&#x2014;ČąÂ&#x160;Â?ČąÂ&#x2018;Â&#x2DC;Â&#x2013;Â&#x17D;Čą Č&#x160;Čą Â&#x2DC;ČąÂ&#x152;Â&#x2022;Â&#x160;Â&#x153;Â&#x153;Â&#x17D;Â&#x153;ČąÂ?Â&#x2DC;ČąÂ&#x160;Â?Â?Â&#x17D;Â&#x2014;Â? Č&#x160;Čą Â&#x17E;Â&#x2019;Â?Â&#x2019;Â&#x2DC;Â&#x2014;ČąÂ?Â&#x2019;Â&#x153;Â&#x152;Â&#x2DC;Â&#x17E;Â&#x2014;Â?ČąÂ?Â&#x2DC;Â&#x203A;ČąÂ&#x17D;Â&#x2022;Â&#x2019;Â?Â&#x2019;Â&#x2039;Â&#x2022;Â&#x17D; Čą Â&#x2013;Â&#x2019;Â&#x2022;Â&#x2019;Â?Â&#x160;Â&#x203A;Â˘ČąÂ&#x160;Â&#x2014;Â?ČąÂ?Â&#x2018;Â&#x17D;Â&#x2019;Â&#x203A;ČąÂ&#x153;Â&#x2122;Â&#x2DC;Â&#x17E;Â&#x153;Â&#x17D;Â&#x153; Č&#x160;Čą Â&#x2019;Â&#x2022;Â&#x2019;Â?Â&#x160;Â&#x203A;Â˘ČąÂ&#x17D;Â?Â&#x17E;Â&#x152;Â&#x160;Â?Â&#x2019;Â&#x2DC;Â&#x2014;ČąÂ&#x2039;Â&#x17D;Â&#x2014;Â&#x17D;Â?Â&#x2019;Â?Â&#x153; Čą ÇČą Â˘ ČąÂ&#x160;Â&#x2122;Â&#x2122;Â&#x203A;Â&#x2DC;Â&#x;Â&#x17D;Â?

Earn up to

$50,000

Work at home and be there for your family!

Enjoy an exciting on-site career!

a year and more!*

Choose Any One of These Great Careers GET YOUR CAREER CERTIFICATE IN AS LITTLE AS 4 MONTHS Â&#x17D;Â?Â&#x2019;Â&#x152;Â&#x160;Â&#x2022;Čą Â&#x2DC;Â?Â&#x2019;Â&#x2014;Â?ČąÇČą Â&#x2019;Â&#x2022;Â&#x2022;Â&#x2019;Â&#x2014;Â?. . . . . . . .Â&#x17E;Â&#x2122;ČąÂ?Â&#x2DC;ČąÇ&#x17E;Ĺ&#x2122;Ĺ&#x;Ç°Ĺ&#x2013;Ĺ&#x2013;Ĺ&#x2013; Â&#x17D;Â?Â&#x2019;Â&#x152;Â&#x160;Â&#x2022;Čą Â&#x153;Â&#x153;Â&#x2019;Â&#x153;Â?Â&#x160;Â&#x2014;Â? . . . . . . . . . . . . . . .Â&#x17E;Â&#x2122;ČąÂ?Â&#x2DC;ČąÇ&#x17E;Ĺ&#x2122;Ĺ&#x2DC;Ç°Ĺ&#x2013;Ĺ&#x2013;Ĺ&#x2013; Massage Therapy. . . . . . . . . . . . . . . . .Â&#x17E;Â&#x2122;ČąÂ?Â&#x2DC;ČąÇ&#x17E;Ĺ&#x2DC;Ĺ&#x2013;ČŚÂ&#x2018;Â&#x203A;Čą High-growth, in-demand career! Be prepared to be both a Medical Coding and a Medical Billing Specialist.

Assist with patient exams, tests and procedures. Learn from real medical assistants with our exclusive Virtual Labs.

One of todayâ&#x20AC;&#x2122;s fastest growing alternative health treatments. Work for yourself or for resorts and spas.

Â&#x17D;Â&#x203A;Â?Â&#x2019;Â?Â&#x2019;Â&#x17D;Â?Čą Â&#x17D;Â&#x203A;Â&#x153;Â&#x2DC;Â&#x2014;Â&#x160;Â&#x2022;Čą Â&#x203A;Â&#x160;Â&#x2019;Â&#x2014;Â&#x17D;Â&#x203A;. . . . . . . . .Â&#x17E;Â&#x2122;ČąÂ?Â&#x2DC;ČąÇ&#x17E;Ĺ&#x2DC;Ĺ&#x2013;ČŚÂ&#x2018;Â&#x203A;

Â&#x152;Â&#x152;Â&#x2DC;Â&#x17E;Â&#x2014;Â?Â&#x2019;Â&#x2014;Â?Čą Â&#x17D;Â&#x203A;Â&#x;Â&#x2019;Â&#x152;Â&#x17D;Â&#x153; . . . . . . . . . . . . .Â&#x17E;Â&#x2122;ČąÂ?Â&#x2DC;ČąÇ&#x17E;Ĺ&#x2122;Ĺ&#x17E;Ç°Ĺ&#x2013;Ĺ&#x2013;Ĺ&#x2013;

Â&#x17D;Â&#x160;Â&#x2022;Â?Â&#x2018;Â&#x152;Â&#x160;Â&#x203A;Â&#x17D;Čą Â?Â?Â&#x2019;Â&#x152;Â&#x17D;Čą Â&#x160;Â&#x2014;Â&#x160;Â?Â&#x17D;Â&#x203A;. . . . . . .Â&#x17E;Â&#x2122;ČąÂ?Â&#x2DC;ČąÇ&#x17E;Ĺ&#x161;Ĺ&#x161;Ç°Ĺ&#x2013;Ĺ&#x2013;Ĺ&#x2013;

Be a Personal Fitness Trainer & Nutritional Specialist! Make money in a career youâ&#x20AC;&#x2122;ll enjoy and stay fit, too!

Help businesses with their tax, payroll & accounting needs.

Â&#x17D;Â?Â?Â&#x2019;Â&#x2014;Â?ČŚ Â&#x;Â&#x17D;Â&#x2014;Â?Čą Â&#x2022;Â&#x160;Â&#x2014;Â&#x2014;Â&#x2019;Â&#x2014;Â? . . . . . . . .Â&#x17E;Â&#x2122;ČąÂ?Â&#x2DC;ČąÇ&#x17E;Ĺ&#x2122;Ĺ&#x;Ç°Ĺ&#x2013;Ĺ&#x2013;Ĺ&#x2013;

Work in security, customs, parole or be a private detective!

Plan weddings, conferencesâ&#x20AC;Śspecial events of all kinds!

Â&#x2014;Â&#x153;Â&#x17E;Â&#x203A;Â&#x160;Â&#x2014;Â&#x152;Â&#x17D;Čą Â&#x2022;Â&#x160;Â&#x2019;Â&#x2013;Â&#x153;Čą Â?Â&#x201C;Â&#x17E;Â&#x153;Â?Â&#x17D;Â&#x203A; . . . . . . .Â&#x17E;Â&#x2122;ČąÂ?Â&#x2DC;ČąÇ&#x17E;Ĺ&#x153;Ĺ&#x161;Ç°Ĺ&#x2013;Ĺ&#x2013;Ĺ&#x2013;

Investigate insurance claims by gathering/recording evidence.

Â&#x203A;Â&#x2019;Â&#x2013;Â&#x2019;Â&#x2014;Â&#x160;Â&#x2022;Čą Â&#x17E;Â&#x153;Â?Â&#x2019;Â&#x152;Â&#x17D; . . . . . . . . . . . . . . . . .Â&#x17E;Â&#x2122;ČąÂ?Â&#x2DC;ČąÇ&#x17E;Ĺ&#x161;Ĺ?Ç°Ĺ&#x2013;Ĺ&#x2013;Ĺ&#x2013;

Secure a moneymaking, leadership position in the fastestgrowing industry in the country.

Â&#x17D;Â?Â&#x2019;Â&#x152;Â&#x160;Â&#x2022;Čą Â&#x2DC;Â?Â&#x2019;Â&#x2014;Â? . . . . . . . . . . . . . . . . .Â&#x17E;Â&#x2122;ČąÂ?Â&#x2DC;ČąÇ&#x17E;Ĺ&#x2122;Ĺ&#x;Ç°Ĺ&#x2013;Ĺ&#x2013;Ĺ&#x2013;

Â&#x17D;Â&#x2014;Â?Â&#x160;Â&#x2022;Čą Â&#x153;Â&#x153;Â&#x2019;Â&#x153;Â?Â&#x160;Â&#x2014;Â?. . . . . . . . . . . . . . . . .Â&#x17E;Â&#x2122;ČąÂ?Â&#x2DC;ČąÇ&#x17E;Ĺ&#x2122;Ĺ&#x153;Ç°Ĺ&#x2013;Ĺ&#x2013;Ĺ&#x2013;

High-growth, in-demand career! Work in doctorsâ&#x20AC;&#x2122; offices, hospitals, clinics, or work at home with experience.

Â&#x17D;Â?Â&#x2019;Â&#x152;Â&#x160;Â&#x2022;Čą Â&#x203A;Â&#x160;Â&#x2014;Â&#x153;Â&#x152;Â&#x203A;Â&#x2019;Â&#x2122;Â?Â&#x2019;Â&#x2DC;Â&#x2014; . . . . . . . . . . .Â&#x17E;Â&#x2122;ČąÂ?Â&#x2DC;ČąÇ&#x17E;Ĺ&#x2122;Ĺ&#x153;Ç°Ĺ&#x2013;Ĺ&#x2013;Ĺ&#x2013;

Â&#x160;Â&#x203A;Â&#x160;Â&#x2022;Â&#x17D;Â?Â&#x160;Â&#x2022; . . . . . . . . . . . . . . . . . . . . . . .Â&#x17E;Â&#x2122;ČąÂ?Â&#x2DC;ČąÇ&#x17E;Ĺ&#x161;Ĺ&#x2DC;Ç°Ĺ&#x2013;Ĺ&#x2013;Ĺ&#x2013;

Work with dentists & hygienists to improve patientsâ&#x20AC;&#x2122; health! The ideal work at home career. Transcribe medical reports from doctorsâ&#x20AC;&#x2122; dictation.

Work for a legal firm or paralegal service.

Veterinary Assistant . . . . . . . . . . . . . .Â&#x17E;Â&#x2122;ČąÂ?Â&#x2DC;ČąÇ&#x17E;Ĺ&#x2014;Ĺ&#x2DC;ČŚÂ&#x2018;Â&#x203A;

Â&#x160;Â?Â&#x2019;Â&#x17D;Â&#x2014;Â?Čą Â&#x160;Â&#x203A;Â&#x17D;Čą Â&#x17D;Â&#x152;Â&#x2018;Â&#x2014;Â&#x2019;Â&#x152;Â&#x2019;Â&#x160;Â&#x2014;. . . . . . . . . . .Â&#x17E;Â&#x2122;ČąÂ?Â&#x2DC;ČąÇ&#x17E;Ĺ&#x2014;Ĺ&#x2122;ČŚÂ&#x2018;Â&#x203A;

Work alongside nurses to ensure patientsâ&#x20AC;&#x2122; comfort & safety.

Join the physical therapy team and help people improve their lives. A rewarding, in-demand career.

Â&#x2018;Â&#x2019;Â&#x2022;Â?Čą Â&#x160;Â˘Čą Â&#x160;Â&#x203A;Â&#x17D; . . . . . . . . . . . . . . . . . .Â&#x17E;Â&#x2122;ČąÂ?Â&#x2DC;ČąÇ&#x17E;Ĺ&#x2014;Ĺ&#x2013;ČŚÂ&#x2018;Â&#x203A;

Â&#x2DC;Â&#x2013;Â&#x17D;Čą Â&#x2014;Â&#x153;Â&#x2122;Â&#x17D;Â&#x152;Â?Â&#x2019;Â&#x2DC;Â&#x2014; . . . . . . . . . . . . . . . .Â&#x17E;Â&#x2122;ČąÂ?Â&#x2DC;ČąÇ&#x17E;Ĺ&#x203A;Ĺ&#x17E;Ç°Ĺ&#x2013;Ĺ&#x2013;Ĺ&#x2013;

Â&#x17D;Â&#x203A;Â&#x153;Â&#x2DC;Â&#x2014;Â&#x160;Â&#x2022;Čą Â&#x160;Â&#x203A;Â&#x17D;Čą Â&#x153;Â&#x153;Â&#x2019;Â&#x153;Â?Â&#x160;Â&#x2014;Â? . . . . . . . . . . .Â&#x17E;Â&#x2122;ČąÂ?Â&#x2DC;ČąÇ&#x17E;Ĺ&#x2014;Ĺ&#x2013;ČŚÂ&#x2018;Â&#x203A;

Â&#x2DC;Â&#x2DC;Â&#x201D;Â&#x201D;Â&#x17D;Â&#x17D;Â&#x2122;Â&#x2019;Â&#x2014;Â?. . . . . . . . . . . . . . . . . . . .Â&#x17E;Â&#x2122;ČąÂ?Â&#x2DC;ČąÇ&#x17E;Ĺ&#x2122;Ĺ&#x17E;Ç°Ĺ&#x2013;Ĺ&#x2013;Ĺ&#x2013; Skilled bookkeepers are needed in every business.

Help provide vital, quality care for all kinds of animals.

Work in day care centers, preschools...or your own home!

Â&#x2DC;Â&#x2013;Â&#x2122;Â&#x17E;Â?Â&#x17D;Â&#x203A;Čą Â&#x153;Â&#x153;Â&#x17D;Â&#x2014;Â?Â&#x2019;Â&#x160;Â&#x2022;Â&#x153;. . . . . . . . . . . . .Â&#x17E;Â&#x2122;ČąÂ?Â&#x2DC;ČąÇ&#x17E;Ĺ&#x2122;Ĺ&#x2DC;Ç°Ĺ&#x2013;Ĺ&#x2013;Ĺ&#x2013;

Master a standard practice in the home-buying process.

Â?Â?Â&#x2019;Â&#x152;Â&#x17D;Čą Â?Â&#x2013;Â&#x2019;Â&#x2014;Â&#x2019;Â&#x153;Â?Â&#x203A;Â&#x160;Â?Â&#x2DC;Â&#x203A; . . . . . . . . . . . .Â&#x17E;Â&#x2122;ČąÂ?Â&#x2DC;ČąÇ&#x17E;Ĺ&#x2122;Ĺ&#x203A;Ç°Ĺ&#x2013;Ĺ&#x2013;Ĺ&#x2013;

Â&#x2018;Â˘Â&#x153;Â&#x2019;Â&#x152;Â&#x160;Â&#x2022;Čą Â&#x2018;Â&#x17D;Â&#x203A;Â&#x160;Â&#x2122;Â˘Čą Â&#x2019;Â?Â&#x17D;. . . . . . . . . . . .Â&#x17E;Â&#x2122;ČąÂ?Â&#x2DC;ČąÇ&#x17E;Ĺ&#x2014;Ĺ&#x2122;ČŚÂ&#x2018;Â&#x203A;

Offer companionship and help with daily household tasks and errands. Get your Certificate in as little as 2 months!

PC skills are essential, especially in todayâ&#x20AC;&#x2122;s job market.

Learn to create spreadsheets, compose correspondence & manage databases.

Â&#x2DC;Â&#x2013;Â&#x2122; Čą Ć¸ . . . . . . . . . . . . . . . . . . .Â&#x17E;Â&#x2122;ČąÂ?Â&#x2DC;ČąÇ&#x17E;Ĺ&#x203A;Ĺ&#x;Ç°Ĺ&#x2013;Ĺ&#x2013;Ĺ&#x2013;

Â&#x2018;Â&#x160;Â&#x203A;Â&#x2013;Â&#x160;Â&#x152;Â˘Čą Â&#x17D;Â&#x152;Â&#x2018;Â&#x2014;Â&#x2019;Â&#x152;Â&#x2019;Â&#x160;Â&#x2014; . . . . . . . . . . . .Â&#x17E;Â&#x2122;ČąÂ?Â&#x2DC;ČąÇ&#x17E;Ĺ&#x2122;Ĺ&#x2DC;Ç°Ĺ&#x2013;Ĺ&#x2013;Ĺ&#x2013;

Â&#x17D;Â?Â&#x2019;Â&#x152;Â&#x160;Â&#x2022;Čą Â&#x2019;Â&#x2022;Â&#x2022;Â&#x2019;Â&#x2014;Â? . . . . . . . . . . . . . . . . .Â&#x17E;Â&#x2122;ČąÂ?Â&#x2DC;ČąÇ&#x17E;Ĺ&#x2122;Ĺ&#x153;Ç°Ĺ&#x2013;Ĺ&#x2013;Ĺ&#x2013;

Â&#x2DC;Â&#x2013;Â&#x2122; Čą Â&#x17D;Â?Â Â&#x2DC;Â&#x203A;Â&#x201D;Ć¸. . . . . . . . . . . . .Â&#x17E;Â&#x2122;ČąÂ?Â&#x2DC;ČąÇ&#x17E;Ĺ&#x203A;Ĺ&#x;Ç°Ĺ&#x2013;Ĺ&#x2013;Ĺ&#x2013;

A secure path to success! The U.S. Department of Labor projects substantial increase in job opportunities.

Work at home or in a doctorâ&#x20AC;&#x2122;s office, hospital or clinic processing claims for Medicare/Medicaid/private insurance.

The entry-level rite of passage for IT Technicians.

Building on fundamentals, learn the skills for a career in this IT specialty.

GET YOUR ASSOCIATE DEGREE IN AS LITTLE AS 16 MONTHS

Â&#x17D;Â&#x160;Â&#x2022;Â?Â&#x2018;Čą Â&#x2014;Â?Â&#x2DC;Â&#x203A;Â&#x2013;Â&#x160;Â?Â&#x2019;Â&#x2DC;Â&#x2014;Čą Â&#x17D;Â&#x152;Â&#x2018;Â&#x2014;Â&#x2019;Â&#x152;Â&#x2019;Â&#x160;Â&#x2014;. . Â&#x17E;Â&#x2122;ČąÂ?Â&#x2DC;ČąÇ&#x17E;Ĺ&#x161;Ĺ&#x2122;Ç°Ĺ&#x2013;Ĺ&#x2013;Ĺ&#x2013; Â&#x2014;Â?Â&#x203A;Â&#x17D;Â&#x2122;Â&#x203A;Â&#x17D;Â&#x2014;Â&#x17D;Â&#x17E;Â&#x203A;Â&#x153;Â&#x2018;Â&#x2019;Â&#x2122; . . . . . . . . . . . . . . . Â&#x17E;Â&#x2122;ČąÂ?Â&#x2DC;Čą Çˇ Â&#x2DC;Â&#x152;Â&#x2019;Â&#x160;Â&#x2022;Čą Â&#x2DC;Â&#x203A;Â&#x201D; . . . . . . . . . . . . . . . . . . . Â&#x17E;Â&#x2122;ČąÂ?Â&#x2DC;ČąÇ&#x17E;Ĺ&#x2122;Ĺ&#x2DC;Ç°Ĺ&#x2013;Ĺ&#x2013;Ĺ&#x2013; Work for hospitals, clinics, HMOs, doctorsâ&#x20AC;&#x2122; offices.

Enjoy the challenge and satisfaction of working for yourself!

Â&#x2019;Â&#x2014;Â&#x160;Â&#x2014;Â&#x152;Â&#x2019;Â&#x160;Â&#x2022;Čą Â&#x17D;Â&#x203A;Â&#x;Â&#x2019;Â&#x152;Â&#x17D;Â&#x153; . . . . . . . . . . . . . Â&#x17E;Â&#x2122;ČąÂ?Â&#x2DC;ČąÇ&#x17E;Ĺ&#x161;Ĺ&#x2DC;Ç°Ĺ&#x2013;Ĺ&#x2013;Ĺ&#x2013;

Â&#x160;Â&#x153;Â&#x2018;Â&#x2019;Â&#x2DC;Â&#x2014;Čą Â&#x17D;Â&#x203A;Â&#x152;Â&#x2018;Â&#x160;Â&#x2014;Â?Â&#x2019;Â&#x153;Â&#x2019;Â&#x2014;Â? . . . . . . . . Â&#x17E;Â&#x2122;ČąÂ?Â&#x2DC;ČąÇ&#x17E;Ĺ&#x161;Ĺ&#x203A;Ç°Ĺ&#x2013;Ĺ&#x2013;Ĺ&#x2013;

Your knowledge will help guide people to financial success!

Â&#x17E;Â&#x2013;Â&#x160;Â&#x2014;Čą Â&#x17D;Â&#x153;Â&#x2DC;Â&#x17E;Â&#x203A;Â&#x152;Â&#x17D;Â&#x153;ČąÇŻ . . . . . . . . . . . . Â&#x17E;Â&#x2122;ČąÂ?Â&#x2DC;ČąÇ&#x17E;Ĺ&#x2122;Ĺ&#x17E;Ç°Ĺ&#x2013;Ĺ&#x2013;Ĺ&#x2013; Learn recruiting, staffing, workplace psychology and more!

Â&#x17D;Â?Â&#x2019;Â&#x152;Â&#x160;Â&#x2022;Čą Â&#x2122;Â&#x17D;Â&#x152;Â&#x2019;Â&#x160;Â&#x2022;Â?Â&#x2019;Â&#x17D;Â&#x153; . . . . . . . . . . . . Â&#x17E;Â&#x2122;ČąÂ?Â&#x2DC;ČąÇ&#x17E;Ĺ&#x2122;Ĺ&#x17E;Ç°Ĺ&#x2013;Ĺ&#x2013;Ĺ&#x2013;

Perfect introduction to the high-growth healthcare industry. This program prepares you for five different in-demand careers.

U.S. Career InstituteÂŽ

2001 Lowe St., Dept. HBMB2AB6 Fort Collins, CO 80525

Be a Fashion Buyer, Director, Marketer or Designer!

A rewarding, in-demand career! Work in medical and public health, substance abuse, family and child services, schools.

Â&#x152;Â&#x152;Â&#x2DC;Â&#x17E;Â&#x2014;Â?Â&#x2019;Â&#x2014;Â? . . . . . . . . . . . . . . . . . . . Â&#x17E;Â&#x2122;ČąÂ?Â&#x2DC;ČąÇ&#x17E;Ĺ&#x2122;Ĺ&#x17E;Ç°Ĺ&#x2013;Ĺ&#x2013;Ĺ&#x2013;

Learn finance, corporate accounting, auditing, taxation & more.

Â&#x17D;Â?Čą Čą Â&#x160;Â&#x152;Â?Â&#x153;ÇŻ Â&#x2DC;Â&#x2014;Â?Â&#x160;Â&#x152;Â?Čą Â&#x153;Čą Â&#x2DC;Â?Â&#x160;Â˘Çˇ

Â&#x160;Â&#x203A;Â&#x201D;Â&#x17D;Â?Â&#x2019;Â&#x2014;Â?ÇŻ . . . . . . . . . . . . . . . . . . . . Â&#x17E;Â&#x2122;ČąÂ?Â&#x2DC;ČąÇ&#x17E;Ĺ&#x161;Ĺ&#x2013;Ç°Ĺ&#x2013;Ĺ&#x2013;Ĺ&#x2013;

Learn principles & strategy, sales, internet marketing & more!

Â&#x17E;Â&#x153;Â&#x2019;Â&#x2014;Â&#x17D;Â&#x153;Â&#x153;Čą Â&#x160;Â&#x2014;Â&#x160;Â?Â&#x17D;Â&#x2013;Â&#x17D;Â&#x2014;Â? . . . . . . . . . Â&#x17E;Â&#x2122;ČąÂ?Â&#x2DC;ČąÇ&#x17E;Ĺ&#x203A;Ĺ&#x161;Ç°Ĺ&#x2013;Ĺ&#x2013;Ĺ&#x2013; Learn essential business skills. Marketing, finance & more.

Dept. 1-800-388-8765 HBMB2AB6 www.uscieducation.com/HBMB6 Sent FREE!

YES! Rush me a free brochure and full information on how I can train at home for any one of these exciting careers. Course Name: ___________________________________________________________________________________ Name ___________________________________________________________________________ Age __________________ Address _________________________________________________________________________ Apt __________________ City _____________________________________________________________ State __________ Zip __________________ E-mail ___________________________________________________________ Phone ________________________________

QQ282

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A+ Rating

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SUCCESS STORIES

Support Health and Make Money Fitness Fanatic Launches Work-From-Home Personal Training Franchise By Sherilyn Colleen

P Zengerle has valued physical fitness from day one, for the extensive physical and mental benefits it offers. “My wife Nicole and I decided to open a private personal training studio from our home in 2011 and it’s been growing ever since,” he says. What started out as a side business eventually took off into a lucrative franchise helping entrepreneurs and health conscious individuals around the country. Just You Fitness is a private personal training studio focused on the unique needs of each client. It is a great intimate atmosphere for the client because unlike other gyms, there are no people staring, no distractions, and no waiting for equipment. Prior to launching his fitness franchise, Zengerle worked as a Physical Education teacher and had years of experience working as a trainer at big gyms. “It’s amazing how when you watch someone lose 20, 50, or 100 pounds how it almost changes their

personality in a positive way!” he shares. For a personal trainer, it is a great opportunity because Just You Fitness is the only personal trainJP Zengerle is the founder of Just You Fitness, a ing franchise that is operated from private personal training studio focused on the a home. Online training courses unique needs of each client. and business support help with branding, creating a website, getting Customers are drawn to the company for their ranked on search engines, figuring out effec- small, private atmosphere where it is comtive marketing methods, operating systems pletely focused on them. and how to run a business. “I have a 1-year-old son and I get to Trainers typically earn only 40-50% of each spend a lot of time playing with him during session at a regular gym. However, with their the day since most clients prefer to train business model, the trainer earns about 95% of either in the morning or evening hours,” the revenue, after expenses! With the compa- Zengerle says. “It’s also nice to be able to ny, trainers have the opportunity to more than take advantage of all the home-based busidouble their income from their home studio. ness tax deductions!” Zengerle looks forward The personal training franchise’s prima- to helping people improve their health and ry customers are the general population of providing an amazing career experience for people with various goals: weight loss, mus- certified personal trainers across America. Visit cle building, and overall health and fitness. http://justyoufitness.com/franchise/.

Home Business November/December 2016

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Combining Glamour and Functionality How Fashion Show Producer Turned a Necessity into a Thriving Business By Andrew Matthews

hile working backstage at New York Fashion Week, Diana Wright decided to turn a necessity into a growing business. The fashion show producer was determined to create a product that was both functional and beautiful; that’s when Pulleez came to life. Looking for a fast way to create a perfect pony tail, Wright rigged up an elastic cord through a toggle to hold the models’ hair up behind the scenes. Little did she know the response from these models and designers at the show was going to be astounding. Wright knew she had the opportunity to create a product that all women would want. In order to get this innovative hair accessory on the market, Wright partnered with Laura Duprey, who had extensive experience in manufacturing. Duprey had a basement where they both worked for two years. The ponytail holders migrated from backstage to the runway, and within months ‘Pulleez’ were being sold at Henri Bendel’s flagship store on New York’s Fifth Avenue. Securing Henri

Bendel’s flagship as Pulleez’s first big retailer was a great confidence booster in the beginning for both Wright and Duprey. The founders’ most incredible business achievement thus far is getting onto QVC, where Wright sold out in less than 5 minutes during her first appearance. Today, Pulleez is the top-selling hair accessory on QVC and the company hopes to continue to thrive on the television network for a long time. Wright and Duprey were also very lucky to be featured on the Today Show soon after Pulleez launched. As an entrepreneur, Wright’s first piece of advice for self-starters and entrepreneurs when branching out to form their own company is to write down 5 clear business goals and then write down the 5 steps it will take to complete those goals. “New businesses take round-the-clock devotion and work, and an unwavering belief that the world would be a better place with your product, company, or service in it,” she says.

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Diana Wright is a co-founder of Pulleez, a brand that offers sensible and stylish accessories.

When thinking about the future of Pulleez, Wright hopes to expand and be the leading brand name in creating sensible modern accessories that combine beauty and function. In fact, some of Pulleez’s new accessories will appear on QVC next year. Today, Pulleez is sold at luxury retailers and salons nationwide. The brand also has an online store which includes a continuous selection of new charm styles. Visit http://www.pulleez.com/.

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November/December 2016 | Home Business

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BUSINESSES & OPPORTUNITIES

Freelance Workers Who Break the Mold There Are Countless Opportunities to Explore for Freelancers By Billy Cripe, CMO at Field Nation

hen you think of freelancers, what’s the first thing that comes to mind? It might be someone who makes a living by writing, marketing, or virtually assisting others, right? Most people think of freelancers as professionals who work in creative, business, or marketing services, but that’s not always the case. There is a whole world of freelancers who work in other industries, but who are these people? First, let’s look at the term “freelancer” to get an idea of what it really means. A “freelancer” is someone who is self-employed and offers their services to a variety of companies at the same time, rather than being employed by a single company in a permanent position. They are independent contractors who have the freedom to set their own hours and who must provide their own equipment to perform the job.

“A “freelancer” is someone who is self-employed and offers their services to a variety of companies at the same time, rather than being employed by a single company in a permanent position.” That said, there are no constraints in the definition about which industries freelancers have to work in, and the advent of newer and better technologies has only helped to make the variety of industries broader. Here, we take a look at a variety of freelance careers that you might not have considered.

televisions, stereos, and other equipment. They might also work with individuals who need personal repairs done or with businesses that need their company equipment installed, maintained, or serviced.

Freelancers are independent contractors who have the freedom to set their own hours and who provide their own equipment to perform the job.

Although most field service technicians find themselves utilized by large corporations, others have found plenty of work on their own. With the proper knowledge and skills, you can find opportunities as a freelance field service technician, too. Property Preservation Professionals Like field service technicians, property preservation professionals must travel to their clients’ homes or places of business to perform the work. This category of professionals includes: ■

Landscapers

■

Gardeners

■

Carpenters

■

Painters

However, not everyone who falls into this category is a freelancer. For example, you can hire a company rather than a single freelancer to do your landscaping. Other people, like gardeners, might fall under the category of

Freelancing means that you’re working independently with a variety of businesses or in a number of different industries.

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Though there are many employment avenues in this field, there are opportunities for freelancers in the property preservation industry as well.

“Like ﬁeld service technicians, property preservation professionals must travel to their clients’ homes or places of business to perform the work.” Hospitality Workers When you think of jobs in the hospitality industry, you probably think of people who work in hotels, restaurants, and casinos, but some of these same positions can be performed on a freelance basis — like private caterers and event planners. Although you won’t find these people employed by hotels or cruise lines, they can find work with businesses and individuals who require their services on an as-needed basis. According to BLS.gov, the event planner job outlook is good and is expected to grow by 10 percent from 2014 to 2024. Event planners make, on average, $46,490 per year, but the potential is higher for individuals who run their own businesses.

Field Service Technicians It’s commonly assumed that freelancers work from home. While this is true of freelancers in certain positions, this doesn’t always hold true for every industry. Field service technicians are one example of professionals who must travel and work on-site with their clients. A field service technician is someone who provides maintenance and repair services for various electronic issues. For example, they might service computers, point-of-sale (POS) systems, security systems, appliances,

“domestic employee,” rather than “freelancer.”

Health and Wellness Professionals There are countless opportunities for health and wellness professionals in today’s market, but few who think of going freelance. However, it’s actually fairly easy to offer health and wellness services on a freelance basis. Examples of freelance careers in this industry include: Continued on page 30

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10/4/16 2:09 PM

LOCATION: MOUNTAIN OLIVE TREE IN THE NATUR AL RESERVE – COMMUNIT Y ARROYOMOLINOS DE LEÓN, SPAIN

miracle of our mountain olive trees. Become the Olive Tree People. The

It sounds crazy, I know: Trees that speak, communicate, and counterbalance us? But what if they do and what if that’s exactly what we humans need now more than ever to get back into balance? Not so long ago hippies were ridiculed for hugging trees, but science has since confirmed what an incredible impact that vibrations, energy, and the information that trees provide can have on humans. Since the advent of the internet, more and more people have connected through social networks and are increasingly losing the connection to their own nature. For the first time in history, Olive Tree People is reconnecting people with their nature, that which creates balance in their lives, and it makes no difference whether they are on a mount of olives or in downtown L.A. We are now building the network through which millions of people will connect with their nature. Imagine if you had had a chance at the beginning of the cell phone era to participate in building the network of cell towers. You’d now be earning from every single phone call and byte of data that now passes through these networks every single second of the day. Well our towers are called OliveNetSets (olive tree + olive transmitter) and our time is NOW. We look forward to speaking with you! Sincerely yours,

Why this is a successful idea: Immediately active in more than 100 countries, no logistics, no product transport, no regulatory approvals, already patented technology that’s one of a kind. Each user is simultaneously an active conservationist and is helping to save a protected nature reserve. For whom: Make money by protecting the environment, create customer loyalty through green values, build a global business small or extremely large, up to 60 % of people in Europe, USA and Asia already use homeopathic remedies. We are: Owners of 2.5 million m² of olive trees, founder of the cult label Oliveda, the greatest environmentalists in the region, the #1 investor in the nature reserve mountain olive trees, founder of the charity Brunnen für Afrika, providing wells in Africa. Become one of our top 10 leader: leader@olivetreepeople.com www.olivetreepeople.com

Thomas Lommel

“There are only two ways to live your life. One is as though nothing is a miracle. The other is as though everything is a miracle.” Albert Einstein touch your nature

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BUSINESSES & OPPORTUNITIES

Freelance Workers Who Break the Mold Continued from page 28 ■

Wellness coaches

■

Personal trainers

■

Group fitness instructors

■

Dieticians

■

Public health educator

Keep in mind that you might need a degree and/or certification to practice in one of these areas, even if you are planning to work on your own. Once you have those credentials, however, working with private clients or with a variety of companies is possible, since the demand for wellness and education programs has increased. For example, while you can be employed by a school or community organization as a public health educator, you may choose to work with a variety of companies on a contract basis instead. You can charge for speaking at conferences, visiting schools to educate the students about health and wellness, or collaborating with specialists within a community to help boost the overall community’s health. As another example, a personal trainer may work independently with several gyms and companies in their area or with private clients in their homes. Teachers and Tutors You might think of teachers as being employed by various school districts, but more and more teachers are taking their knowledge and skills and turning them into a freelance practice. For example, a previously full-time schoolteacher might decide to go freelance and

Explore the opportunities available to work for yourself with multiple clients if you like the idea of going freelance. 30

Maximize Productivity start selling their own online training courses or begin tutoring students in their home. As a freelance instructor or tutor, you’ll have more control over your rates to earn above the average for employed teachers.

“As a freelance instructor or tutor, you’ll have more control over your rates to earn above the average for employed teachers.” Lawyers Lawyers and paralegals often work at legal firms, although some lawyers might choose to start their own practice. Still, we don’t generally think of them as “freelancers.” There are lawyers, however, who work with various firms on a freelance basis from time to time. As described by Donna Seyle from AttorneyatWork.com, “freelance lawyers fill the void between primary or in-house counsel and legal process outsourcing.” She goes on to say that freelance lawyers, “often play a handson role in the development of case theory, and they can make court appearances and attend depositions.” Although these “contract lawyers” were once seen as less successful professionals, Seyle points out that times have changed and there is now more respect for lawyers who choose to take the freelance route. Freelance Careers You Didn’t Think Of Being a freelancer doesn’t necessarily mean you’re a writer, designer, or other creative or marketing professional. It simply means that you’re working independently with a variety of businesses or in a number of different industries. There are countless opportunities for freelancers in numerous fields, so don’t be afraid to explore the possibility of working for yourself with multiple clients if you like the idea of going freelance. Billy Cripe, CMO at Field Nation (www.fieldnation.com) is passionate about amazing technology that brings people together to accomplish great work. He holds an MA in Communications and undergraduate degrees in Philosophy and Political Science from Northern Illinois University. He has a background in development for content and collaboration systems and agile product management. His experience ranges from leading marketing teams at startups to the Fortune 100. He has since found his home in strategic marketing for cutting-edge technologies. Billy is a published author on the topics of information management, marketing strategy, enterprise collaboration and the ethics of artificial intelligence.

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As someone who has been selfemployed since the age of 23, Bella Bambino founder Rebecca Barlow has run into every bottleneck and inefficiency you could possibly imagine. Along the way, she’s learned a few major lessons: One, she’s learned that there’s no magic potion to increase the need to be more productive — instead, it’s something she’s had to figure out over the years. Second, she’s learned that sometimes, it’s a matter of waiting it out when it’s become difficult to be productive and get things done. However, when she hasn’t had the luxury of waiting it out, she’s learned some crucial tips to maximize productivity: 1: Delegate! Take a good look at each of your employees’ strengths and weaknesses and delegate accordingly. You can’t do everything on your own — there are no self-made millionaires — only team-made. If you don’t yet have a team of staff working for you, look into outsourcing. Virtual assistants are awesome! You can outsource tasks like bookkeeping, and things that will free you up to be creative and focus on building your business. 2: Stop checking email ﬁrst! We’re all guilty of opening up the email first thing in the morning or right when we get to our desk. Most of the time, emails aren’t time-sensitive and can wait until later. Tackle the most important tasks of your day first thing in the morning! Then, you will have all the time you want for emails and social media! 3: Two-minute rule! This is something I read about a while ago and it really works. If something takes less than two minutes, do it now! You’ll be surprised at how many tasks take under two minutes, and you will clear a lot from your to-do list very quickly if you follow this rule. 4: Exercise! In order to be at maximum productivity, you must take care of yourself first. Ideally, you should exercise in the morning and spend a little time in prayer or meditation and focus on how you want the day to go. Tony Robbins calls this “priming.” Take some time for yourself every morning before you start working to set the tone for your day — you’ll be surprised at how much more productive you are when you put yourself first! 5: Set the tone! Whether you’re working from home or an office, make sure to have a dedicated space for creativity and workflow. I like to light a candle, and put some background music on. Visit http://www.bellabambinonannies.com.

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How To Make Money With Non-Lethal Self Defense Products? For 29 years, 1000’s of people have made $5000, $10,000 a month and more by selling the 500+ much in demand, non-lethal, self-defense products provided by Safety Technology. Here are 7 WAYS you can make money with our products.

6. SELL TO BUSINESSES - Sell surveillance cameras to convenience stores; stun batons, Tasers or metal detectors to bars and nightclubs; pepper sprays or personal alarms to hospitals for their nurses, etc. All these things have been successfully done by other Authorized Dealers…plus more!

1. SELLING AT GUN SHOWS - There is no better way to sell anything, then face to face. Selling at gun shows allows you to put your products in front of people who are definitely interested in defending themselves, their families and their home.

7. SELLING ON THE INTERNET WITH YOUR OWN WEBSITE – Without a doubt, selling on the Internet is the best way to reach the largest number of customers. We can even build a money making website for you and teach you how to sell on the Internet.

2. HOME PARTY PLAN SELLING - Yes, just like Pampered Chef or Tupperware! Except you get to keep all the money. You don’t have to accept a paltry commission from the mother company…you are the company. All the profit is yours!

There are many other ways to sell these self-defense and surveillance products. How would you sell them?

3. SELL AT FLEA MARKETS AND SWAP MEETS - Another great way to get the products in front of people. The advantage here is costs less and can do it at the same spot every weekend. Some flea markets even allow you to set up permanent displays. 4. SET UP ROUTE OF GUN STORES, PAWN SHOPS, NAIL SALONS, BEAUTY SALONS - We suggest starting with our pepper spray displays as a way to get your foot in the door. Great way to receive residual income...money on a regular basis because the stores reorder. 5. AUCTION SITES, SUCH AS EBAY AND AMAZON - One way to get your products exposed to a very large number of buyers is to sell on eBay and Amazon. Not only are the auction sites good for selling products, but also lead generation.

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Authorized Dealer at Gun Show

There is no fee to do business with us. Visit our website at www.helpdefendpeople.com to discover how you can help people defend themselves, their loved ones and their homes.

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SUCCESS STORIES

Think Outside the Box Self-Made Multimillionaire Has Worked from Home (Online) Since the Age of 22 By Trace Patterson

n the early ‘90s at age 20, Andrew Greenstein stuttered so severely that he could barely say his own name without a violent struggle. Believing the corporate world would never accept him, Greenstein launched his own online term paper assistance site in 1994 (www.fastpapers.com and hundreds of others like it). By 1996, he had developed quite an operation from his small New Jersey condo via a dial-up modem. He had sales coming in globally, phones ringing off the hook day and night, and staff around the country working for him. He never had to say a word. It was all digital. Greenstein worked as many as 125 hours per week perfecting the art of the Internet sale, specialized in search engine placement long before it was called SEO, and was a multimillionaire by the time he was 25. He had created what were then unique online marketing strategies to dramatically increase website traffic with hardly any advertising budget at all. Long before Google was a household name or placed any importance on backlinks, Greenstein saw the practical importance of getting large volumes of relevant sites to “refer” their visitors to his own. Before launching the term paper assistance sites, Greenstein’s only work experience was the high school jobs he had at supermarkets and fast food chains. He acquired a degree in marketing and business but knew he wanted so much more. He shares, “I always saw couples in their 20s and 30s so concerned about money, budgeting, and whether or not they could pay their bills. I wanted to simply create my own income streams and make enough to live such that I didn’t have to worry whether the lobster cost more than the crab on the menu.” Greenstein squashed most of the competition in his industry and by the year 2001, he had sold his business for millions and retired at the age of 28 — with a plan to invest his huge nest egg in tax-free municipal bonds and live luxuriously off of the interest. He traveled the world, participated in unique charities, and even retired his own parents to Florida.

On the side, he created a self-run search engine: Azoos.Com. While not very efficient, the search engine cashed in on that era’s “paid site submission” phase and brought in an extra easy $70,000/year while retired. He dabbled in sites like ChargebackPrevention. com to help online credit card merchants learn to prevent revenue loss from chargebacks — but, mostly, he spent those years doing what so few ever get to do: enjoying his success.

“Be the boss you’ve always dreamed of. For me, that boss is smart, thinks outside the box, but is also relaxed, fun, forgiving, and willing to laugh and let go.” Since then, Greenstein has disciplined himself to overcome his stuttering problem, began doing motivational speaking from time to time, and has raised two children who are now in their tweens and teens, and has “gone back to work at home” while they’re in school. He now runs a successful resume writing site (ResumeWritingGroup.com) and has built 3 unique mansions he rents out to high-end tourists in the Orlando, FL area for vacations and family reunions. Most incredibly, he markets those 3 mansions strictly online — using the same tactics and strategies that made him successful in the first place. His game-themed estate home “The Great Escape Lakeside” (GreatEscapeLakeside.com) is on 10 privately gated acres, sleeps up to 45 people, and has been featured on Fox News

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Andrew Greenstein, a serial entrepreneur, deﬁes mainstream ideas about business and generates income from the comfort of his home ofﬁce.

and in The Guinness Book of World Records. His other estates have been on HGTV and in major travel, decorating, and other magazines. Greenstein says, “Just a few years ago, I never could’ve predicted I would own homes with laser mazes and escape rooms — or that I’d be marketing them as vacation rentals around the world.” Greenstein remarks, “I think outside the box and try not to be a stringent, stressed planner like so many other entrepreneurs. I believe life is about being in the moment and just having FUN. When I live, love, and let go, ideas flow more freely. I don’t think time flies when you’re truly having fun. People get into routines, and then wonder, ‘Where did the year go?’ — but when your days and weeks are filled with truly unique experiences, you look back at last month and say, “Wow, that seems like so long ago now, so many experiences ago.” Since 1994, Greenstein has worked only for himself … at home. His “goal” is to never hold any kind of corporate job and to continue to defy mainstream ideas about business and marketing, doing things “his own way” to generate his own income — when, where, and how he wants. He advises, “Be the boss you’ve always dreamed of. For me, that boss is smart, thinks outside the box, but is also relaxed, fun, forgiving, and willing to laugh and let go.” www.homebusinessmag.com

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MARKETING & SALES

Kick-Start Your Advertising Campaign

with Key SEO Tactics The Absolute Basic Principles of Getting Traction in Search Engines By Tim Schmidt

nternet Marketing is perhaps the most important part of any business’s advertising campaign these days. If you aren’t marketing online, you are allowing your competition to literally steal business from you. Every day, tens of millions of people log onto the Internet to buy products. This number is growing every single passing year. Just last year, on Black Friday, the Internet did more gross sales volume in comparison to retail outlets for the first time ever. Think about the last time you were looking for information — where did you look for it? When is the last time you took your search to the Yellow Pages? Odds have it — you went to your favorite search engine. Whether that was Google, Yahoo, Bing, or another search engine, you most likely went online to find out information about a product or service. Perhaps you were reading reviews about a particular vehicle you are looking to purchase, or maybe you are looking for the top rated real estate agent in your local vicinity. Whatever the reason for your search, you are bound to pull up answers. The Internet is literally the Manhattan of advertising. More people are being enraptured by the Internet on a daily basis than even cable television. The demographics are all over the board; people from all walks of life turn to the information superhighway to conduct searches, buy products, and make decisions. If you own a business, and do not have an Internet presence, you are not being found or keeping up with the trends of today. Time and time again I speak with business owners who spend money on print ads who cannot tell me a ballpark return on investment for their efforts. With Internet marketing, and particularly with SEO, not only can you track a proper return on investment, but you can also get an exact read on the number of people who have seen your website on a daily basis. You can see what their actions were, get an

idea of how many pages they viewed, and see how much time they spent on your website. From there, you can dial in your efforts and scale them to enhance the user experience. Search engine optimization is the function of promoting a

I’m here to give small website to increase the number of visitors which are received business owners some by the website coming through the search engines. basic SEO tips that can help immediately boost search engine presence. If gaining extra traffic from organic, evergreen sourc- many components which are included in SEO, es such as Google, Bing, Yahoo, and even which range from the words on your page to YouTube would be beneficial for your busi- the method in which other sites associate with ness, follow these steps and watch your traffic you on the Internet. In some instances, SEO is only a problem of ensuring that your website increase exponentially. is developed in a manner which can be understood by search engines.

“ An engaging welcome video goes a long way in letting your potential customers know about your home business.

”

If you are a beginner and need to beef up your information on SEO, this will give you the basic guidelines you will need to give your business a fighting chance to compete locally, nationally, or globally. Of course, not all SEO is equal, and hiring an expert is the logical next step, but I can show you what you or someone in your office can do in order to have the absolute basics down to a science and foster an environment where your website is viewed as healthy in search engines and can maximize its potential. First off, search engine optimization, or “SEO”, is the function of enhancing and promoting a website to increase the number of visitors which are received by the website coming through the search engines. There are

Tip #1: Keep it Simple. Use WordPress as a content management system platform for your website. It’s the most user-friendly platform currently offered and it makes updating content a cinch. If anyone in your business can use Microsoft Word or Excel, they can use WordPress. It’s easy to update the website to change store hours, update policies, or just let people know about promotions.

“ Most SEO experts will suggest your target keyword appear on your website between 1% and 2% of the overall number of words.

”

Search engine optimization is about developing websites which are search engine-friendly, and improving the website for viewers as well. People like to read compelling content Continued on page 36

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MARKETING & SALES

Kick-Start Your Advertising Campaign with Key SEO Tactics Continued from page 34

and view rich media (videos and photos) that engage them. Does your website engage your audience? It is important to understand and comprehend that these values are linked with each other and work together.

Tip #2: Capture Your Audience with Video An engaging welcome video goes a long way in letting your potential customers know about your home business. It also makes them feel welcome. Having a clear-cut voice behind the site provides trust. Facebook is also a great place People shy away from doing busito not only have a presence, but ness with websites that have no to advertise locally for free. You clear owner or accountability figcan target people in your area with ure for the actions that take place Facebook ads. Not only that, but on the site. Create trust by telling you can announce promotions to Use WordPress as a content management system platform for your visitors who you are and how your followers and fans. your website. you operate. While they watch the My favorite up-and-coming way video, they are also staying on your to create a following is Instagram. are “alive and well” when you are active with website for a longer duration of Not only does Google love when you have a time; something that Google loves and has social media updates. link from these very high authority websites, factored into their algorithm is the amount of Updating social media frequently and but if you use relevant hashtags, you can gain time people spend on websites. sharing content will create signals to search followers and organic traffic to your website. Of course, you need to present content engines that notify them that you are active Every small business can gain a following. on your website that not only engages your and marketing your home business online. I’ve seen gyms, bakeries, restaurants, personal audience, but that is also written well for Search engines do NOT like dormant busi- trainers, and real estate agents use this platsearch engines. Your keyword (you probably nesses. If you have a website, or social media have multiple variations of keywords — not everyone uses the same search strings to find the same product) density must be proper and your keywords must appear on your website in order to give your business a chance at gaining search engine real rankings. Most SEO experts will suggest your target keyword appear on your website between 1% and 2% of the overall number of words. Tip #3: Content is King Again, your content must not only engage your audience, but it also must keep the search engines in mind. If your content lacks the proper use of keywords, you are not giving yourself a chance. When people hire an SEO agency, the more advanced tactics include using these keywords in title tags as well as optimizing images, including geo-tagging them for local relevancy. These days, everyone must have a social media presence. Social media is quickly becoming the most important factor in whether a business will sink — or swim — online. A social media campaign not only shows Google that you “exist”, but it shows them that you

Google Plus will also be a login you can use for YouTube. Get a promotional video on your YouTube channel and link it to your website. YouTube also allows you to use your channel to link to all of your other associated social media properties. This gives your site a massive boost as well. Do not overlook the power of YouTube, because when people “Google” your business name, your promotional video will most likely show up on page one. Why? Because Google owns YouTube.

“ Google literally mails a postcard to each and every business registered on Google Plus to conﬁrm that they are indeed at the location they mail it to.

”

presence, and you do not update the websites frequently, you are way behind the eight ball. Tip #4: Social Media is a Must Here are some tips that will help boost your social media presence and clarify which social media platforms are the ones you need to have a presence on if your company wants to succeed online. For starters, go out and get a Google Plus (Google My Business) page. This is the most important part of any campaign. Google literally mails a postcard to each and every business registered on Google Plus to confirm that they are indeed at the location they mail it to. Once confirmed, the business gets extra credibility from Google.

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form to talk about successes, share photos, and motivate others with a ton of success. People love photos, so share them. These are absolutely FREE methods you can utilize to boost the search engine presence of your business. If you are looking for anything fully managed and much more advanced, please feel free to reach out to our company for a risk-free proposal and full search engine analysis. Tim Schmidt is a pioneer in the Internet Marketing industry, with experience in SEO dating to 2001. In addition to operating a Digital Marketing Agency that consults businesses of all sizes, he also owns various e-commerce businesses, speaks routinely at industry functions, and writes for many online publications including the Huffington Post, Social Media Today, Business.com, and many more. Contact Tim if you need any help with your online marketing strategy. Visit http://www.searchengineoptimizationexpert.com/.

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A Fully Automated Business

2 Sales a Month Can =

$100k a Year Industry Leaders Gail Rahill & Sally Darling Introduce A Marketing System That Has Their Team Banking $2k-$22k Commissions per Sale!

tremendous compensation plan, and our team has a really successful marketing system that we all plug into.”

Starting a home based business can be a tricky venture. There is a lot involved and it takes considerable skills and knowledge to navigate what are, at times, turbulent waters. But, having the opportunity to lock arms with two industry leaders who have over 33 years of combined network marketing experience, and who have already led teams to great success, makes these waters much calmer. Add to that the ability to simply plug into a Fully Automated Marketing Success System that features fully paid magazine advertising and these leaders closing your sales, and the waters become downright smooth sailing. Introducing the TDi Pros Team, led by Sally Darling and Gail Rahill. With many years of experience in the network marketing industry, Sally and Gail have learned exactly what it takes to be successful. Long-time business partners who both left the corporate world to take advantage of the opportunity to work from home with their children, they have transformed countless hours of hard work, research, and trial and error into a formula that works for everyone. And they’ve taken that formula and refined it into an automated system for their TiDom Inc. team. TiDom is an abbreviated form of the words “time freedom” and it describes perfectly what members can achieve when they join this top-tier business with Sally’s and Gail’s team. “This is such a powerful business,” one team member says. “TiDom has a

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With TDi Pros: ~Your National Advertising Is Purchased For You! ~Your Professionally Written Prospect Email Campaign Is Done For You ~Your Sales Are Closed For You By Industry Leaders ~YOU Bank Commissions Of $2,000$22,000 Per Sale!

www.TDiPros9.com team member. “The advertising is done for us, and best of all, I don’t have to close my sales. That is such a huge relief! It’s so great to have a roadmap. It takes the guesswork out of running my business.” Gail explains, “We have made it as turnkey as possible. We’ve eliminated the things that cause people to fail and are completely committed to our team’s success. It doesn’t matter where you are in our organization. If you are on our team, you’ll receive our full attention.”

"Sally and I created TDiPros with one thought in mind," Gail says. "And that thought can be communicated with one word. Success. Quite simply put, Our Vision Is Your Success." - Gail Rahill

Gail says, “It’s great to be making this money, but what’s even better is investing in our team members’ success by buying each of them advertising so that they can hit the ground running. It’s a big reason why our team duplication is so high.”

TiDOM offers a wide range of product packages that appeal to people who desire to improve the overall quality of their financial and personal "health." "I love the products that are available," Sally says. "I have been using the health and wellness platform to meet my fitness goals for this year, and I'm on track to do just that. I'm thrilled." - Sally Darling

Sally and Gail are so committed to their members’ success that they invest 20% of their commissions to buy advertising for new members. And, as part of their marketing system, they teach every new team member to do exactly the same for each of their new members. “When you invest in advertising,” says Sally, “your income grows exponentially, so we teach our members to follow this simple strategy. Duplication is all about simplicity.”

To learn more about how you can earn a substantial income with TiDom Inc. on The TDiPros team, visit www.TDiPros9.com

The team’s National Advertising Co-op reaches 5.5 Million readers. And, to complete the process, Sally and Gail close their team members’ sales! “This is a complete system that works for everybody,” says a TDI Pros

The One-Two Punch 1. We Advertise For You. 2. We Close the Sale For You.

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Boost Mood with Essential Oils SUCCESS STORIES

Coreena D’Alessandro Provides a Fresh Take on Aromatherapy By Sherilyn Colleen

assage, bath salts and aromatherapy candles may be great mood-altering treatments to use at home, but Aromatherapist Coreena D’Alessandro creates a better alternative for a busy woman on the go. D’Alessandro believes that aromatherapy should fit perfectly into modern life: stylishly, effectively, and considerately. The entrepreneur held a passion for essential oils and aromatherapy, but struggled with the current delivery methods that were dated, messy, and overpowering. D’Alessandro decided to team up with longtime friend and fine jewelry designer Marianne VanderWall to create the COR Pendant: a sleek, elegant and forward-thinking pendant that helps introduce the centuries-old practice of aromatherapy to a new generation of women who are taking control of their health. Passionate about toxic-free lifestyle practices, as well as essential oils and their natural benefits, Coreena D’Alessandro wanted to offer women a fashionable accessory that

could help them naturally feel calm, stay focused and harness energy when necessary. With this in mind, striving to craft an alternative to the plastic aromatherapy inhaler used throughout the industry, she partnered with Marianne, in an effort to create a beautiful and sophisticated solution for the modern woman who has an appreciation for style and health. Through this partnership came the creation of the luxurious and clever Cor Pendant + Cor Wick™ innovation. “We chose specific blends of crisp, clean and sweet essential oils that specifically elevate mood,” says D’Alessandro. “We wanted this to be a timeless fashion piece that was also functional. This pendant is not only elegant, but the essential oils provide the wearer with endless benefits.” D’Alessandro believes that Aromatherapy can help instantly improve your mood. Since the human brain can register scent twice as quickly as it can pain, the aroma of essential oils bypasses everything and goes straight to the nervous system, allowing direct access to

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Coreena D’Alessandro and Marianne VanderWall, Founders of Cor Pendant.

the part of the brain that controls emotion and memory. Representing a path for the woman with a contemporary and modern aesthetic to a healthier and toxic-free future, Cor Pendant was designed to introduce and educate consumers on the effects of essential oils and to provide an alternative to synthetic fragrances. Today, the COR pendant can be found in retailers and spas nationwide and D’Alessandro is closer to her goal of helping women live better and feel better. Visit https://corpendant.com/.

www.homebusinessmag.com

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Taste for the Exotic Students from the Dominican Republic Launch Juice Line in America and Provide Opportunities for Local Farmers By Laura Baumgartner

he idea for Caribé Exotic began when Luis Solis and Cristian Robiou were attending school in the United States. They noticed the juice offerings did not match the quality of flavor or experience they had grown accustomed to while growing up in the Dominican Republic. They had always enjoyed natural, fresh-tasting, nutrient-packed tropical juices. Not fans of simple orange or apple juice, Solis and Robiou wanted to bring the exotic to the U.S. in the healthiest and freshest way possible. In addition to bringing the exotic flavors from the Caribbean to the U.S., they also wanted to create opportunities and economic stability for their treasured island, the Dominican Republic. For Caribé Exotic, this process starts with local and small farmers. “On a trip home to the Dominican Republic after college, I noticed that many farmers were

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leaving their tropical fruits in the field to rot or selling them roadside for pennies,” says Solis. “But, in the United States, these fruits sold for several dollars apiece.” By purchasing fruit directly from the farmers, Caribé Exotic gives them access to different markets they otherwise would not be able to reach. It also aids in financing specific food and beverage certifications for the farmers, such as an organic certification. After creating sample flavors and taste testing with friends, the duo did more research and found out about a new technology called HPP that preserves the juice without killing the freshness nor the nutrition. Caribé offers exotic flavors that a lot of immigrants grew up with, but are not available in fresh form in the U.S. Some of the exotic flavors are: passion fruit, starfruit, guava, and acerola, which is the fruit with the highest amount of Vitamin C and antioxidants on

Luis Solis is the co-founder of Caribé Exotic, a healthy and fresh-tasting juice line.

the planet. Caribé Exotic beverage company includes two tasty juice lines — Lite and Cana. The Lite line is full of nutrition yet low in sugar and calories, and only features five natural/ organic ingredients. The Cana line uses raw pressed cane juice as a base. Caribé Exotic recently came out with a new coconut water line. The coconut water is never heated and they are able to do this by using lime juice as a natural preservative. Solis and Robiou want to market this line as a natural/fresh alternative to highly processed and chemically enhanced sports recovery drinks. Visit http://www.caribejuice.com/.

November/December 2016 | Home Business

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HOME OFFICE

Professional Spaces for Home Businesses Alternatives to Foregoing the Home Office and Renting “Straight Space” By Leslie Libeskind

Videoconferencing Videoconferencing is another service typically offered by office centers. Having this technology available for use can be huge for the home business owner, who may not have the Yet most home business owners, at one An alternative to the huge cost and commitment of forgoing the home equipment or technology point or another, find themselves in the awkoffice and renting “straight space” are office centers. available at the home office. ward position of needing a more professional Contracting this type of serspace to meet a client or hold a conference. on hand to welcome clients and answer phone vice also results in a greater cost savings in the Additionally, some feel uneasy about using calls. In general, office centers are staffed faciltravel expense category. their personal residence as their business ities, so there is usually someone present to mailing address. And while they might not lend a hand when business might not be runPeople need to go too far for coffee either, some ning as smoothly as you’d expect, and you’re Another benefit to office centers are the home businesses are less interested in investbeing pulled in one direction but something people. Most office centers offer a receptionist ing hundreds or possibly thousands of dollars else needs to be taken care of simultainto equipment like copiers or neously. At these times, having a proconference phones, unless they fessional staff member available to work prove to be absolutely crucial to Most workspaces usually allow you to with a client — rather than an impersonthe business. For the home busial voicemail greeting — can make a huge sign up a month at a time (as opposed ness owner dealing with these impact on your retention rates. to a requirement of potentially years if challenges, there is an alternative The people who work at an office to the much bigger cost and comsigning a lease for straight space). center can also offer another intangible mitment of forgoing the home benefit — interpersonal interaction. One office and renting “straight of the biggest downsides of working space” — office centers. from home is the isolation some people feel, especially those who might Virtual Office Packages have been used to the hustle and Office centers are a great bustle of a traditional office and now option for business owners only keep the company of their pet. who work from home but occaIn many office centers, a warm sense sionally need to step it up proof community is cultivated, and busifessionally. These workspaces ness professionals can choose to be oftentimes offer virtual office as involved (or not) with their work packages that include a proneighbors. Having a public space to fessional mailing address, promeet with clients — as opposed to fessional telephone answering your personal residence, where it service, and as-needed access might very well only be the two of you to conference rooms or smallmeeting — offers a safe alternative. er, one-on-one meeting rooms complete with water, coffee No Long-Term Commitment and the like. These ameniOne of the best attributes of using ties can prove critical for the a virtual office package at an office home business owner to concenter is the commitment, or lack Office centers are a great option for business owners who work duct business with the utmost from home but occasionally need to step it up professionally. professionalism. Continued on page 42 uch can be said about the pros that come with working in a home business. The dress code is usually relaxed, the commute is a breeze, and typically you don’t have to travel further than down the hall or up the stairs to the kitchen to get a bite to eat for lunch.

“

”

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HOME OFFICE

Professional Spaces for Home Businesses Continued from page 40

thereof. Most workspaces usually allow you to sign up a month at a time (as opposed to a requirement of potentially years if signing a lease for straight space). Within this timeframe, you have the opportunity to test the waters, and see what types of services make sense, and what changes you might want to make in the future, based on your ever-growing business.

“ Having a public space to meet with clients — as opposed to your personal residence, where it might very well only be the two of you meeting — offers a safe alternative.

”

Desirable Address Office centers also offer the opportunity for a home business to gain a more desirable address, without the hassle of moving. Should a need arise where the home business needs to either have a mailing address or office in the city, home business owners can reach out to office centers in their desired geographic market and contract for the necessary requirements — again without the long-term commitment.

“ Should a need arise where the home business needs to either have a mailing address or ofﬁce in the city, home business owners can reach out to ofﬁce centers in their desired geographic market and contract for the necessary requirements.

”

Home businesses offer many perks, but do have some shortcomings. When a home business owner needs a more professional space or other professional services, an office center is a great addition that, more often than not, leads to further business success. Leslie Libeskind is president and owner of Highland-March Workspaces (www.highland-march.com), located in Braintree, Mansfield, and Quincy, Massachusetts. She can be reached at leslie@highland-march.com.

5 Affordable Tools for Businesses Small and mid-sized businesses depend on affordable, reliable, and flexible software solutions to keep everything running smoothly. But how do you choose which one is right for your business with so many available options? We’re here to help. Below we’ve compiled five affordable tools that will supercharge your company’s efficiency. Each product is easy to learn, economical, and will help you and your team become more productive and energized. Trello With Trello, employees at small businesses can create projects and move them along a timeline of completion-status steps. It’s the easy way to manage projects, regardless of the size of your team. Trello lets you create and label tasks, assign members to certain projects, attach relevant files to the task card, and create checklists. Trello makes it possible to collaborate on projects from an entire world away. JotForm Need an easy way to collect and manage data? JotForm makes online form creation simple, whether you need a contact form, registration form, survey, or lead collection form. As long as you’re able to drag and drop form fields with your mouse, then you can create online forms using JotForm. It should be a staple for data-hungry small businesses, and it integrates with dozens of CRMs, email marketing services, and payment gateways. FreshBooks FreshBooks accounting software is absolutely perfect for small businesses, with features like recurring invoices, automatic bank importing, and advanced time tracking and billing. The end result? Your business gets paid faster and with less hassle. It’s also very reasonably priced compared to most accounting softwares, which is ideal for smaller companies. HipChat HipChat is so easy and robust that you might not even need email anymore to communicate. Upload files, direct message, or chat in designated team chat rooms instantly. It also makes remote work easier than ever, turning any living room into a full workstation. If your company offers employees the opportunity to work remotely, you’re going to need HipChat to keep communication strong. Box Box is a must-have for small businesses focused on productivity, allowing you to access your files anywhere, anytime, and from any device. Now you can travel anywhere, or run a completely remote team, and have all of your files at your fingertips. The company was an early pioneer of cloud storage, and now more than 275,000 businesses rely on Box around the world. They’re also touted for being the most secure cloud provider, with SSAE 16 Type II compliance and 256-bit encryption. Although the tools above are great for small businesses, they really work well for organizations of all sizes — which is important if you’re growing and don’t want to change processes down the road. Each one will free up your time so you can enjoy a productive, headache-free winter. Chad Reid is director of communications for JotForm (https://jotform.com), a popular online form building platform.

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Shark Tank: Secrets to Success: How to Propel Your Business from the Tank to the Bank By Michael Parrish DuDell

HOME OFFICE

ABC’s hit show “Shark Tank” has a new book, Shark Tank: Secrets to Success: How to Propel Your Business from the Tank to the Bank (Kingswell; Paperback original; $14.99 US/$16.50 CAN; Ages 18 and up ISBN: 9781484723258/eBook: 9781484777794). The critically acclaimed Emmy Award winning reality series has reinvigorated entrepreneurship in America, inspiring countless fans to build and grow the company of their dreams. But it takes more than landing a deal with a Shark to turn a fledgling company into a national brand. In his second book for the show, author and entrepreneur Michael Parrish DuDell (Shark Tank Jump Start Your Business) goes behind-the-scenes to

Ignite the Secret: 19 Lessons for Business and Life By Charles Horton For many people, graduating from high school or college is the first step before facing new and unfamiliar challenges in life—personal, professional or academic. The hardest part about changing your life is knowing how to start. Ignite the Secret: 19 Lessons for Business and Life (Brown Books Publishing Group) by Charles Horton equips grads with tools that will empower them to take that first step—and all the steps that follow. Successful entrepreneur, CEO, life coach and now, debut author Horton is the owner of the Firewalking

PLAY BIGGER: How Pirates, Dreamers, and Innovators Create and Dominate Markets By Al Ramadan, Dave Peterson, Christopher Lochhead, and Kevin Maney How did companies such as Uber, Salesforce, 5-Hour Energy, Netflix, and IKEA dominate their markets while the competition never came close? Each created and designed an entirely new category of business. Why did Microsoft fail to win much market share for Zune, Windows Mobile and Bing, despite spending billions? Because it’s virtually impossible to unseat a category leader. How do you spot a company that’s going to be an enduring and valuable category king? Look at timing. In a remarkable finding based on data analysis, category winners that go public six to 10 years after founding create the greatest long term value. (And, in a related finding, the long-term value of a startup has

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reveal the untold stories of some of the most memorable and notable companies from the show. Discover how Wicked Good Cupcakes grew a small, local bakery into a multimillion-dollar organization. Find out how Tipsy Elves used a popular search engine to build an influential community of passionate consumers. And learn how Grace and Lace turned a simple product into a powerful vehicle for social change. Learn fascinating details and “where are they now” fun facts about these companies and many other entrepreneurs featured on Shark Tank. From practical business tips to unforgettable anecdotes and experiences, Shark Tank Secrets to Success provides readers with a playbook for success custom designed by some of Shark Tank’s most successful entrepreneurs. It’s the perfect guide for ambitious businessmen and women who want to start and grow a thriving company. Institute of Research and Education (F.I.R.E.) and a certified master firewalk instructor — one of only nine in the world. He travels the world helping people transform their reality and realize their dreams. “It’s what makes me happiest. I love helping others,” he says. “I’m really passionate about nurturing that transformation and seeing people succeed.” Now, Horton has condensed 19 of the most valuable lessons he has learned in his own personal and professional life into a small, compact book. For more information on Charles Horton’s Ignite the Secret, Attain any Goals seminars and international firewalking certification programs, visit www.IgnitetheSecret.com and www.firewalking.com.

zero correlation to the amount of money the company raises while private.) PLAY BIGGER: How Pirates, Dreamers, and Innovators Create and Dominate Markets (Harper Business/ June 14th) reveals how entrepreneurs can accelerate their companies and debilitate competitors by embracing the new strategy of category design. With this discipline, entrepreneurs can create and develop a new market category, and condition the market so it will demand your solution and crown your company as its category king. That’s how explosive and enduring category kings like Amazon.com, Facebook and Google took most of the profits from the categories they defined. The authors researched thousands of U.S. venture capital–backed tech start-ups founded from 2000 to 2015, and found that category kings earned a whopping 76 percent of the market capitalization of their entire categories.

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HOME OFFICE

Canon U.S.A. Helps Maximize Small and Home Office Business Efficiency with New Series of Wireless Inkjet Printers

anon U.S.A., Inc., a leader in digital imaging solutions, introduced five next generation MAXIFY Wireless Inkjet printers for all of today’s home office, microbusiness and small business owners. Designed with users in the legal, accounting, construction, real estate, healthcare, retail and food service industries in mind, these Wi-Fi® enabled printers offer improved functionality, such as increased print speeds, management information base (MIB) support, and select models offer larger LCD screens. Each printer also features cloud printing capabilities, and access to best-in-class 100 percent U.S.-based service and support, giving consumers peace of mind around a sound investment. “Since the launch of the MAXIFY brand of printers, Canon has been unwaveringly committed to supporting small and home office business professionals with products and services they need to improve the workflow for their business,” says Yuichi Ishizuka, president and COO, Canon U.S.A., Inc. “The

new generation of MAXIFY printers further solidifies this commitment with the incorporation of feature sets that are specifically designed to help the business owner nurture and grow their business.” The MAXIFY MB2720 and MB2120 Home Office AIO printers would be the ideal choice for self-employed part or full-time business owners. Home Business Magazine received a MAXIFY MB2720 printer to test out, and Stacy Henderson, Editor in Chief, was impressed with the high-quality imaging technology, high ink yields and paper capacities, easy operation, and fast print-out speeds (six seconds for black and white documents and seven seconds for color from a ready state). Each printer is sold at a low cost, making it a smart choice for home-based business owners. Key features include support for printing labels, envelopes, company letterhead, and IP address filtering to accommodate a wide variety of office uses. A Dual Resistant High Density (DRHD) individual ink tank system

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are utilized within these updated models as well. In addition, to help conserve energy, all of the All-In-One MAXIFY printers will continue to have the ability to automatically schedule on and off times. This new series of wireless inkjet printers functions as an essential and affordable tool that serves as a smart investment month to month, as the printers produce visually impactful documents for pennies a page. To learn more about the new MAXIFY printer lineup and what Canon is doing to help support small business owners, visit: http://shop.usa.canon.com/MAXIFY

Healing with Kindness Designer Creates Empathy Cards After Finding Out Her Friend Has Lupus By Trace Patterson

averne Ward, the founder and owner of Ella’s Daughter Card Collection, started her home-based independent greeting card business. Now that she is retired from law enforcement, she decided it was time to unshelve her long-standing dream of being an entrepreneur. One of her fulfilled dreams was earning her BBA in Business Administration at Adelphi University in Garden City, NY, back in January of 1981.

Ward tends to takes notes in her journal during church service and bible study, and when ideas come to her mind, she jots them down. As she was writing notes, suddenly the light bulb came on. She decided that she would write greeting cards from her notes in her journal. She believes that people give greeting cards to express caring, love, sympathy, admiration, regrets, hospitality and faith in God.

Ward’s friend has lupus and she inspired the entrepreneur to produce a card line. Every month her friend invites senior citizen women to her home for breakfast and gives each attendee a basket of toiletries, laundry and cleaning products. One day during lunch, her friend said, “I may have lupus but it doesn’t have me. If I don’t find something to do with myself, I get depressed.” At that moment, Ward realized that she wanted to start a business to help people with serious illness and grief.

The first cards Ward produced were empathy cards. With Empathy Cards, she wants to help people to understand, share, connect to each other with honest relationships, and to support both physical and emotional health (during a serious illness or grief). Ward’s weak area is graphic art. She hired a freelance graphic artist that is an expert at interpreting her designs. Ward writes and designs because those are what she considers her best skills, and she delegates the rest. With

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Laverne Ward, Founder of Ella’s Daughter Card Collection

the two of them collaborating, within the next five years, she envisions her cards will be sold throughout the U.S. “There are nights when I can’t sleep because I’m bursting with ideas on design or strategy,” Ward says. She keeps a notepad and pen by her bed stand now for last-minute ideas she has. “I wasn’t stretching or reaching when I was retired. I was just existing. Now I feel as if I’m flying. I am helping people make a change, one card at a time.” Visit http://www.zazzle. com/ellasdaughter1. www.homebusinessmag.com

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Management for Millennials Don’t Put Off Saving and Investing for Another Day By Andy Meyer, CEO of Financial Fitness Group

t makes sense that the Millennial generation — people currently in their twenties and thirties — don’t think too much about saving and investing. After all, the time spent in your twenties is generally a fun ride without too much thought put into what may come down the line. Once you hit your thirties, things start to become a bit more serious, but it still feels like there’s time to put it off until tomorrow. Staff working in HR are well aware of what happens when Millennials live paycheck to paycheck — their money management goes south, and they end up more stressed out at work and unable to concentrate. Fortunately, financial education programs have been looking at ways to capture the attention and engagement of Millennials, and getting them where they spend the majority of their time — on their mobile devices — seems to be the key. It’s understandable if Millennials don’t find investing “cool”, or if they feel like they can just put their future off for another day. In addition to HR providing financial education as part of employees’ benefits, they can also recommend fun mobile apps like these to help Millennials take control of their financial future.

FinMason

When it comes to investments, something that tends to intimidate Millennials is the amount of statistics, pie charts, and strange mathematical symbols that pop up everywhere. Dealing with money can be daunting enough — especially if you don’t have a lot of it — but adding in foreign financial jargon is likely to scare Millennials off. That’s where FinMason comes in — it puts investment language in straightforward terms and uses bar graphs for its portfolio comparisons rather than pie charts. In an article on US News, FinMason CEO Kendrick Wakeman is quoted as saying that “After seeing our analysis, 73 percent of them became comfortable with 48

a portfolio recommenConnect with your Millennials via mobile devices to help improve their dation.” The money management skills. app is also available for play with), and tournament trading mode for free, which makes it a good starter for monwhen they want to virtually compete against ey-curious Millennials who want to get into others. They even offer “Robo-Portfolios” investing but don’t know where to start. where an algorithm determines advisory solutions for automated investment options. It’s a Acorns The typical Millennial doesn’t have a ton of colorful, icon-driven take on investing that’s extra money to throw around, let alone spare sure to appeal to Millennials who want some cash to put into investments. But what if that fun along with their portfolios. spare cash was the loose change in their pockets? That’s the thinking behind Acorns, which focuses on investments in small amounts — The gamiﬁcation of real almost a risk-free proposal for Millennials. life continues with Kapitall, IntelligentHQ explains that Acorns takes the “the fusion of investing and spare change left over from debit and credit card transactions, rounds it up to the nearest gaming,” according to their dollar, and then invests it in one of six funds promotional materials. of the user’s choice. Think of Acorns as being like training wheels for Millennials who want iQuantifi to dip their toes into the world of investments, One of the big reasons why Millennials shy but without sinking a ton of cash. away from seeking money help is because they’re intimidated by making an appointWhen it comes to ment with a financial advisor. iQuantifi was investments, something that created to be a virtual financial advisor of tends to intimidate Millennials sorts, aiming to attract younger individuals who want to set budgetary goals for mileis the amount of statistics, stones in their lives (think buying a car, getting pie charts, and strange a mortgage on a house, and so on). There’s less mathematical symbols that pop of a focus on investments here and more of a focus on creating benchmarks for savings, as up everywhere. well as determining financial goals. iQuantifi is a great option for teaching Millennials the Kapitall What better way to market to Millennials value of saving now in order to get a notable than by tapping in to their love of video payoff later on, when they’ll need it the most. games? The gamification of real life continues Openfolio with Kapitall, “the fusion of investing and Along with gamification, it’s extremely popgaming,” according to their promotional mateular to create social networks in order to rials. There’s practice trading mode for when engage Millennials, and Openfolio does just your employees want to test out their skills Continued on page 50 (they get a “practice portfolio” of $100,000 to

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Mobile Money Management for Millennials Continued from page 48

that — but with investments. The Openfolio app allows users to create a profile and become friends with other money-minded individuals, and the twist is that the network is built around sharing investment strategies. It’s not quite a social networking site, but it does allow users to get tips and advice from others, as well as gathering feedback on their own methods for smart investing. If your Millennial employees are looking to get investment advice from trusted sources who know what they’re doing, then direct them towards the Openfolio community.

Managing Your Cash Flow In order to keep your business ticking over, it’s important to know exactly how the money flowing in and out of your accounts should be managed. Inconsistent Clients Spell Financial Trouble Nearly all small businesses thrive on repeat customers. If you are receiving regular payments from a set of loyal clients, then you can expect your cash flow to prosper. However, problems can occur when clients begin paying on a more ad hoc basis rather than completing a direct debit on the same day each month. Whilst delayed payment on a couple of occasions is never worth splitting hairs over, consistently missed payments can begin to take their toll on your business plan. If your business expenditure relies on prompt cash inflow, then you can soon find yourself grinding to a halt. In order to improve your cash flow, you need to ensure all clients are paying on time. If any of them repeatedly fail to come up with the goods, then it might be worth severing your connection with them completely. It Pays To Be Savvy With Your Own Payments Whilst regular income will go some way towards fixing your cash flow problems, it’s not the only solution. Careful management of your own expenditure can also help you retain your money for longer. Say you’ve got the monthly utility bills to pay, as well as payments to a number of suppliers or wholesalers. You can limit the amount of money that leaves your account at one time by ensuring these payments don’t coincide. Keep Track Of Expenses Both Big And Small Even in larger companies, it can be tempting to ignore smaller expenses. But if you run a home business, then negligence like this can soon add up. Ensuring that all your employees know exactly what they can claim on and how far they can stretch these limits is paramount.

Chris Weston is the director of Milton Keynes-based accountancy firm, Aston Black. Chris has over 25 years of experience in accounting and taxation, working with his small team of staff to provide quality advice for small businesses up and down the country. Visit http://www.accountantmk.co.uk/ .

Mobile apps and websites make learning about investments and savings fun and educational for Millennials striving for ﬁnancial wellness.

Wealthfront

For those with a little more experience and a few more assets to move around, Wealthfront is an automated investment service that’s garnered huge praise — and currently moving more than $2 billion in assets. As US News explains, all Millennials need to do is enter their age, their annual income, and their cash and/or liquid assets, and Wealthfront sets them up with investment options that suit their profile. The program is also easily accessed via computer, smartphone, or tablet, which means that tech-savvy Millennials will have investment advice right in their pockets at all times.

Rebalance IRA

Another program that isn’t quite as investment-focused, Rebalance IRA instead looks to save its users money on annual fees. IntelligentHQ notes that the program suggests it can help its customers save between 45 and 72% in annual fees — a total that could really add up for heavy-spending Millennials. It can also create custom retirement plans for those who are looking further into the future. If your young employees would rather talk with someone experienced, there’s a retirement investment advisor on hand to take questions for free as well.

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extremely popular to create social networks in order to engage Millennials, and Openfolio does just that — but with investments.” network, then you could be helping them build better habits when it comes to financial planning for their future — all from their smartphone.

The Future is (Finance) Friendly

Getting Millennial employees to consider financial fitness shouldn’t be like pulling teeth. By using mobile apps and websites that make learning about investments and savings fun and educational, it should be easier to get Millennials to realize that financial wellness should start as soon as possible. And if you can get them to see it as a game or a social

Home Business November/December 2016 ®

“Along with gamiﬁcation, it’s

Andy Meyer is the CEO of Financial Fitness Group (http://financialfitnessgroup.com). He is an accomplished leader with over 20 years of senior management experience growing software and technology-based companies. Companies have included Websense, Epicor, Cisco and multiple mobile start-ups. He has extensive experience in general management, marketing, sales, business development and public relations. His efforts have directly led to exits including IPOs and raised growth capital for multiple companies. Andy earned a bachelor degree in Mechanical Engineering from Georgia Tech and an MBA from the University of New Orleans.

www.homebusinessmag.com

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For the ﬁrst time ever, you now have the opportunity to tap into the high proﬁts made on penny auctions.

And if you actively build a team of Sales Associates and a customer organization, you’ll be generously rewarded with fast start bonuses when you refer new Associates, and will earn recurring commissions on auction bid sales. There are 100 pennies in $1, and each bid costs .50 cents. So 100 pennies x 50 cents = $50 Therefore, one auction dollar is valued at $50. So let’s assume you’re selling an iPad on the auction that retails at $800 and sells on the auction for $50. Based on the fact that each penny has a real value of 50 cents, then the 5,000 penny bids that were placed totals a real value of $2,500 generated for Qkabids. Amazing! A product retailing at $800 earns $2,500 gross, and $1,700 once the retail price of the iPad is deducted. And, the auction winner just saved 94% on a new iPad! But Here’s the Best Part for You

You may be thinking that it will cost thousands of dollars to become a Sales Associate. But nothing could be further from the truth. You can start your business for less than $300. So let’s recap. You have a once-in-a-lifetime opportunity to tap into and profit from the extraordinarily lucrative penny auction industry. You have the opportunity to earn from a powerful weekly Retail Profit Share. And you earn generous commissions when you share this powerful business and platform with others. It doesn’t get much better than this. To learn more, go here, and then watch your email for the exciting details. www.YourUltimateEarnings.com

You will earn a commission equivalent to 20% of the net profit earned from this auction sale. So, doing the math, you just pocketed $340 by letting this powerful penny auction platform go to work for you. Now, here’s where it gets even better. Not only do Associates earn from their personal auction product sales, but they also earn from a Retail Profit Pool that pays out 40% of the

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Home Business Start-Up Guide! Continued from page 19

says. You’re likely the best person to do that. 3.

Look for smart money. There are lots of options for capitalizing on your idea. Don’t be afraid to look at things like crowdfunding, friends and family, SBA microloans or online lenders to find the capital you might need. Don’t be discouraged if you get turned down at the bank. Look for the money source that makes the most sense for you and your business. Celebrate the wins. There’s nothing easy about starting a home-based business. And taking it to the next level isn’t any easier. It’s important to celebrate the wins — even the small wins.

Taking your home-based business and turning it into something bigger might not be the goal of everyone building a business from their home. But if that is what you want to do, the advice from Monosoff can help you do it — or at the very least, help you build a growing and thriving business from your home. Ty Kiisel is a contributing author focusing on small business financing at OnDeck, a technology company solving small business’s biggest challenge: access to capital. With over 25 years of experience

Home Inventory Business Easily start your own home based business documenting personal property, full or part-time

One important step is to officially structure your company as an LLC or corporation. Choosing to operate as an LLC instead of a corporation will offer several tax advantages as your business grows (even if it outgrows your house), including: 1. Not getting taxed twice. A limited liability company can sell its assets and operations and liquidate without triggering a double tax — meaning both an entity-level tax and a shareholder-level tax. Purchasers strongly prefer to purchase assets, rather than equity interests, because an asset sale generally results in a “step-up” in the tax basis of the acquired assets from the seller’s cost (net of depreciation) to the purchaser’s cost. This step-up entitles the purchaser to greater depreciation deductions and/or less gain when the acquired assets ultimately are sold. Purchasers are acutely aware of the tax benefits associated with a basis step-up and typically discount the purchase price significantly where corporate shareholders insist on a stock sale in order to avoid the double tax that would result from an asset sale.

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When running a home-based business, there are many tax issues to keep in mind, from keeping track of business expenses to calculating the deduction for business use of your home.

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2. An equity compensation program that is treated more favorably than a corporate equity compensation program. If a limited liability company grants a key employee a “profits interests” (whether restricted or vested), the employee will not recognize income or gain at the time he receives the profits interest (or, if the interest is restricted, at the time it vests), but only when the company is ultimately acquired or goes public. On the other hand, regular corporate stock options trigger ordinary income when exercised, qualified corporate stock options trigger alternative minimum tax www.homebusinessmag.com

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when exercised and grants of vested corporate stock require the recipient either to pay fair value for the stock or recognize ordinary income on the difference between fair value and purchase price. 3. Losses that can generally pass through directly to its owners as current deductions and that can offset the income they earn from their “day jobs.” This is especially helpful in the beginning stages of a new company. Of course, this loses significance once the company turns a profit. In a corporation, however, this would fall under operating losses and not offer the same benefit. 4. Distributing some or all of its earnings to its owners without triggering the double tax. This is imposed when a profitable corporation distributes earnings to its shareholders as dividends. 5. An easier transition to an IPO or acquisition. Since an overwhelming majority of startups are financed entirely by friends and family or a combination of friends and family and angels and then are acquired or go public

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Choosing to operate as an LLC instead of a corporation will offer several tax advantages as your business grows.

without venture capital funding, selecting a business structure for the purpose of attracting venture capital funding is putting the cart before the horse. This is particularly so if a limited liability company reaches a stage in its development where it wishes to attract such funding; it can incorporate at that time without incurring any tax liability. Barry Klingman is a Partner at Warshaw Burstein LLP in New York. He has more than 40 years of experience in all areas of taxation, with a particular emphasis on structuring commercial transactions. Visit http://www.wbcsk.com/.

Start-Up Your Home Business Today Utilize these key home business start-up essentials to kick-start a new lifestyle and dive into a career specifically designed for you. There is always room for one more homebased business. With a bit of creativity and spontaneity, and a diligent adherence to a checklist of foundations to structure your venture for success, you can find yourself with a financial stability hard to attain in the corporate sector. For additional information on starting a home-based business, visit www.homebusinessmag.com and expo.homebusinessmag.com/.

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SUCCESS STORIES

Family Tackles Socks Industry Shelby McKee Turns Dilemma into a Startup Business By Laura Baumgartner

n 2009, Keysocks founder Shelby McKee was getting ready to go to a Cincinnati Bengals football game on a brisk fall Sunday. Wanting to wear flats and with the temperature falling, she realized she needed “no show” socks. Traditional footies always fell off her feet or scrunched up and never provided warmth. Armed with scissors and sheer genius, she cut a hole in her husband’s kneehigh dress sock and the Keysock was born!

the name of fashion is worth it, but it does not always have to be painful. From launch, Keysocks has brought style and comfort to women and girls all over the world desiring to wear their favorite heels, flats or sneakers without being annoyed by socks that slip, being hurt by painful blisters, or suffering with cold legs. McKee designed the socks to stay in place and out of sight.

It took her three years. McKee’s dad was just retired; he had been in sales and the business world for years and was ready to help her start Keysocks. She researched for months, thought for sure there’d be something like this on the market, but couldn’t find a no-show knee high sock anywhere. McKee recruited her two sisters, Stefanie and Christy, and began working to manufacture the first and only knee high no-show sock.

Keysocks are available in Original or Light versions. “Light Keysocks are made from a revolutionary, patented process that converts coffee residue into an eco-friendly, sumptuously light fiber, perfect for spring or summer,” McKee shares. “Made from moisture-wicking Coolmax polyester and form-fitting Lycra spandex, Original Keysocks are a tad thicker than the light version and provide the foundation for a day in an icebox office or your night out on the town!”

There are times when making sacrifices in

From skinny jeans to dress slacks, Keysocks

Shelby McKee is the founder of Keysocks, knee high no-show socks for every occasion.

can be worn invisibly with any full-length pair of pants — perfect for business professionals. A strategic keyhole opening on the top of Keysocks makes it nearly impossible for anyone to notice the garment inside a shoe. Toes are kept cozy and legs have an added layer of warmth for chilly environments. “More adventuresome fashionistas pair their Keysocks with capris, skirts and dresses,” McKee says. “Keysocks are the must-have fashion accessory for every season or style and we can’t wait to see how our business grows!” Visit www.keysocks.com.

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Q: And with this, you felt it immediately? JR: I did; I was so excited. I was like a chatterbox all day. I had so much energy â&#x20AC;&#x201D; Iâ&#x20AC;&#x2122;d read it in the morning. All day, I was just really energized and I kept thinking about different things we could do and ways we could change this or make this more like this. And it was just really a great feeling I had.

â&#x20AC;&#x153;I think itâ&#x20AC;&#x2122;s dangerous not to care about any aspect of oneâ&#x20AC;&#x2122;s life. To become indifferent, I think is not a good thing.â&#x20AC;? â&#x20AC;&#x201C; Julia Roberts Q: In this time of your career â&#x20AC;&#x201D; being famous, the paparazzi and things like this â&#x20AC;&#x201D;is it a thing you donâ&#x20AC;&#x2122;t care about, is it a part of your life, or is it a boring thing? JR: I think itâ&#x20AC;&#x2122;s dangerous not to care about any aspect of oneâ&#x20AC;&#x2122;s life. To become indifferent, I think is not a good thing. Itâ&#x20AC;&#x2122;s not really part of my everyday life. So I donâ&#x20AC;&#x2122;t have to give it too much consideration, I donâ&#x20AC;&#x2122;t think. Q: Is there a role that you would like to do that you havenâ&#x20AC;&#x2122;t already done? 56

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