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FEB. 2023 Issue 1/Vol 19 Publisher Bob Schwartz & Company Associate Publisher Wolf Enterprises Creative Director Maria Cummings-Miller National Marketing Director Jennifer Schwartz Display Advertising: 1-717-426-2438 HomeBusinessAdvertiser.com Home Business Advertiser® is published bi-monthly by Bob Schwartz & Company. All material within is copyright protected by the publisher. All submissions are handled with care; we assume no responsibility for unsolicited materials. Although all advertisers are believed to be honest and truthful, the publisher accepts no responsibility or liability for the conduct of the advertisers in this publication. The publisher recommends consulting legal counsel before entering into any business relationship. Please notify the publisher if any misconduct is detected. IMPORTANT CONSUMER DISCLOSURE The term “advertorial” is a combination of “advertisement” and “editorial” written in an editorial format as an independent news story, when in fact the advertisement may promote a particular product or interest. Advertorials are only illustrative of what might be achievable and that they should not be taken literally.

All advertisers are responsible for content of their own ads. Thank you for advertising! 6

Hello Friends, Here’s your free copy of Home Business Advertiser magazine. We make it easy to find the right customers for your affiliate marketing business! That’s because we make advertising easy. Get high quality leads that are likely to convert from your ads in Home Business Advertiser magazine. Like a well-oiled machine: HBA is the most reliable way to get more sales! Home Business Advertiser magazine makes it easy for you to find and close new customers. It’s the simplest, most effective way to grow your business AND with almost 80% renewals (repeat advertisers) month in and month out – it’s proven to work for 20 YEARS now! You can place a quarter page ad for $325 ($295 if you renew), a half-page ad for $495 ($395 if you renew), and a full-page ad for $795 ($695 if you renew). The deadline is February 9 for the March 2023 mailing of Home Business Advertiser!

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About QuiAri QuiAri is the #1 health and weight loss movement in the world today. Featuring exclusive, breakthrough products (QuiAri Shake and QuiAri Energy) featuring the world’s new #1 superfruit, the Maqui Berry, people everywhere are losing weight, boosting their energy levels, and improving their health. What started as an idea has now become a worldwide phenomenon, gaining a passionate following in over 100 countries. But that’s not all! We boast an exciting opportunity to promote QuiAri products and earn commissions within 5 minutes after each sale through industry-first, state-of-the-art payment technology. Combining unrivaled products with the fastest payout, the fastest cycling binary, and one of the highest-paying compensation plans in the industry, there’s no doubt QuiAri is helping people live healthier, happier lives. To learn more, please visit.

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WHAT I’VE LEARNED AS A TOXIC HUSBAND & FATHER... ...And What I Did to Transform Into a Man Living & Leading From The Heart! As the new year starts, I want you to reflect on the last few years as an Entrepreneurial man and ponder how you treat your wife and kids. Ponder this question - Do I treat my family differently than my clients - if so, why? Regrettably, as I look back on my life, I see where I did just this. It came home to me in a comment my wife made “I wish you supported me like you do your clients and social media friends.” Talk about a gut punch! Here I was giving my heart to clients and social media “friends,” and my family was getting my leftovers, which wasn’t much other than a short-fused, grumpy old man. It’s no wonder they bought me a Grumpy Dwarf shirt from Disney. Regrettably, I learned far too late in life what it means to be a husband and dad, leading from the heart. If it weren’t for Paige putting up with my crap for 35 years and my kids willing to speak the truth like their mom, I would still be rolling down a destructive path.

I didn’t become a toxic man, husband, and father overnight, and transformation didn’t come without discomfort, or overnight. I also learned not to expect those closest to me to see the shift happening, at least not in the beginning. When we violate trust and safety, it takes time to rebuild both. Even with transformation, we still face natural repercussions of our past actions, or lack thereof. But in seeking discomfort, in seeking to be uncomfortable, in seeking to be the best husband, friend, and dad I can be, regardless of the pain it takes. I am becoming a man who lives and leads straight from the heart, not from iron fists and a razor-sharp tongue. The Jewish scholar Paul wrote the following: “Love is patient; love is kind. Love does not envy, is not boastful, is not arrogant, is not rude, is not selfseeking, is not irritable, and does not keep a record of wrongs. Love finds no joy in unrighteousness but rejoices in the truth.

Transformation isn’t for the faint of heart, and it doesn’t come overnight. It’s It bears all things, believes all things, far different than a short-term change hopes all things, endures all things. or quick-fix to get your way or calm a Love never ends. Now, these three tense situation. With transformation, remain: faith, hope, and love — but the you’ll never go back to the old you. Have greatest of these is love.” you ever seen a butterfly transform If you’re ready to talk, to start your back into a caterpillar? Transformation, transformation, I’m ready to listen. means you’re finally taking time to Let’s walk this path together! address who you truly are and drawing for ad rates. awww.HomeBusinessAdvertiser.com line in the sand!

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Income Opportunities Magazine

It’s Never About

The Money… It’s Always About Renewing Your Mind…

I want to make it clear I am not the best Christian… I’m more like the guy; you look at out your window and say… He needs Jesus! As an entrepreneur and someone who has been in the direct sales industry for over 40 years, I have studied myself and tens of thousands of others and come to the following conclusion: B+T=F (What we BELIEVE drives what we THINK. What we THINK drives what we FEEL! Be that Anxiety, or anything in your life! But there is more… What we FEEL drives how we ACT. How we ACT drives our RESULTS!) So, if you are not earning the money, because you are not recruiting or closing the sales, then it’s time you start digging deeper into what you truly believe. If we BELIEVE a false THOUGHT about our abilities, then we will ACT incorrectly when we are connecting with others, which will drive the wrong RESULTS with our money. So for the next few minutes I want to write about renewing our minds aka changing our way of thinking about who we are and our abilities. In Philippians 4:6-8 - 6 (NLT) Don’t worry about anything; instead, pray about

everything. Tell God what you need and thank him for all he has done. 7 Then you will experience God’s peace, which exceeds anything we can understand. His peace will guard your hearts and minds as you live in Christ Jesus. 8 And now, dear brothers and sisters, one final thing. Fix your thoughts on what is true, and honorable, and right, and pure, and lovely, and admirable. Think about things that are excellent and worthy of praise. Anxiety is defined as apprehensive uneasiness or nervousness over some anticipated event. Financial anxiety is when we take that definition and apply it to our real or perceived money wows! Totally opposite of what we just read. In many situations, I have witnessed folks put so much stress on themselves to make a sale or recruit because their spouse or family think they made a blunder starting a homebased business, that they come across begging for a close… even on social media. For me, anxiety is defined as that gutwrenching uneasy, nervous, fearful, and distraught feeling I get deep in my gut. And right after that gut-wrenching feeling, comes the emotions of shame,

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bitterness, anger, unworthiness, panic, and some I can’t even name… I just know I want to puke, can’t eat, and don’t want to talk to any human being period! I don’t want to risk hearing “I told you so, you should have listened…” The question is why do we feel these emotions so strongly about what other folks think about how we want to earn money… or is it really about the money? Here is the deal, we can have all the money we will ever need, or believe we are headed straight towards bankruptcy hell, no matter what directions we are heading we can all agree anxiety or SUCKS and can stop us in our tracks. So, for now study your B+T=F, so you can change your F+A=R. Next month we will dive deeper. Named One of the most influential voices in the main-street business community by critics and proponents alike, Troy Dooly is Co-Founder and Beachside CEO of the global advisory, Deep South Companies Inc, a mastermind, whose sole focus is to help guide organizations to develop cultures which deliver a true difference in all they do.

continued on next page 50

In the late 90s I was recognized as a top income earner with World Marketing Alliance and yet I I was a poser. Don’t get me wrong, by the 90s I was successful; U.S. Marine, bounty hunter, restauranter, revived a failing country club and instrumental in exposing two corrupt political organizations but this was not now. Whereas I had earned the award, I knew this year would be different. Plus, we learned our oldest daughter (3 old at the time) needed a very delicate kidney surgery and we needed to figure out how pay the pediatric kidney surgeon to perform it. I’ll never forget I was yelling at God “Why did you allow this to happen?” SILENCE… Then I heard a small still voice… “I gave you the blessings, the debt on you son!” Not only was I a poser, I knew my relationship with God and Paige were in shambles. I put in a Paul Overstreet cassette and a song played called “Dig Another Well” a story from Gen 26. I started learning something that day as I started down the path of financial recovery – The Lord will trust us with little to see how we do before He will trust us with much! I loved me, and how others saw me. I focused on living like I saw everyone else living and not like the Lord called me to live.

committing adulatory with the drive for success, money, value, acceptance, while at same time living in shame, self-pity, bitterness, and unforgiveness which was self-sabotaging any longterm success… I really didn’t think I was worthy of any of it. I was allowing others to define me instead of finding my value in how The Lord saw me.

and success that are the main triggers for our financial anxiety. When we place anything above God and our closest relationships then anxiety can hit at the craziest times. For most of us our perception of money comes from our life experiences and worldview, which in part were formed before we came out of the womb. Our BELIEFS drive what

Our BELIEFS drive what we THINK. And what we THINK drives what we FEEL. What we Feel drives how we Act. And how we Act drives our results.

Matthew 22:36-40 (NLT) - 36 “Teacher, which is the most important commandment in the law of Moses?” 37 Jesus replied, “‘You must love the LORD your God with all your heart, all your soul, and all your mind.’ 38 This is the first and greatest commandment. 39 A second is equally important: ‘Love your neighbor as yourself.’ 40 The entire law and all the demands of the prophets are based on these two commandments.” Romans 12:2 (NLT) - 2 Don’t copy the behavior and customs of this world, but let God transform you into a new person by changing the way you think. Then you will learn to know God’s will for you, which is good and pleasing and perfect. These verses hit me hard because, I didn’t love myself, I knew I was a poser, and because I was placing everything before my relationship with God and my wife. In other words, instead of having an affair with Paige and God, I was

Life didn’t change fast for me. Nor did I learned my lesson in the 90s and never mucked up my again. Even today I fight my ego, past financial trauma, emotional strongholds, the words of others, and at times my perception of money or life in general. It’s our perception of money

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we THINK. And what we THINK drives what we FEEL. What we Feel drives how we Act. And how we Act drives our results. Next month we will look at the four main perceptions of money and how these drive Financial Anxiety or maybe all. continued on next page 51

There are four main types of personalities when it comes to money: The Driver - Money Represents Success! You crave for others, specifically friends and family to see you as competent or wise. You fear your friends and family will see you as incompetent if you can’t handle your money, or life in general. The Analytic - Money Represents Security or Independence! You crave complete control of your life… no chaos, no dependence from your spouse, family, or friends. You fear lack of control of your life, or the chaos of being dominated by anyone else. The Amiable - Money Represents Love! You crave affection, you may call it intimacy with your spouse, family, and friends. You fear a loss of affection or intimacy from your spouse family and friends. The Expressive - Money Represents Acceptance! You crave respect, trust and confidence from your spouse, family, and friends! You fear rejection from those you love, respect and trust.

pause and seek peace in the mist of your storm. Let’s look at Philippines 4:6-8 one more time.

I had NEVER honored the Lord with the best part of my life, my money, my relationships, my time, or my love.

Philippines 4:6-8 (NLT) - 6 Don’t worry about anything; instead, pray about everything. Tell God what you need and thank him for all he has done. 7 Then you will experience God’s peace, which exceeds anything we can understand. His peace will guard your hearts and minds as you live in Christ Jesus. 8 And now, dear brothers and sisters, one final thing. Fix your thoughts on what is true, and honorable, and right, and pure, and lovely, and admirable. Think about things that are excellent and worthy of praise.

Since 2018, when I made this commitment, I stopped feeling any financial anxiety.

As my story continued and I learned all I’ve written in these three articles, I can’t say I learned quick. We went on to filed for bankruptcy, and our family life was a mess. However, Paige, my wife saw her writing career take off, and that opened some new doors. Since 2000, Paige has written over 30 books, with four becoming best sellers. Here is what I finally learned…

This is why I say… It’s never about the money, it’s always about renewing your mind! Depending on your stage of life, or the financial trauma you have experienced, you will perceive money in one or more of these ways, and they will cause financial anxiety. When you think back to the gut wrenching feeling you get when financial anxiety comes on, it is caused because you are taking your eyes off the Lord and allowing whoever or whatever triggered your financial trauma to control your emotions. It’s not easy, but this is when you need to pause and pray! 1st Tim 1:7 tells us” God has not given us a spirit of fear, but of power and of love, and of a sound mind.” Take time to just

A lifetime of chasing the corporate dream, success, financial freedom, personal power, my past demons of worthlessness, and pride, my emotional intimacy insecurities, cost me dearly. My relationship with my wife was strained to beyond breaking point. Three of our son’s turned their back on the Lord, two went to prison, one ended up on life support, and now has a heart monitor in his chest. I went bankrupt for a second time, and settled with the Securities & Exchange Commission in 2013 for my part of the Zeek Rewards Ponzi scheme. Then in January 2018, the Lord opened my eyes to a very powerful truth…

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This is why I say… It’s never about the money, it’s always about renewing your mind! Troy has emerged as a leading authority in the area of developing purpose-inspired commuication. Startup entrepreneurs to multi-national corporations have adopted his breakthrough methodology and frameworks to protect their teams’ integrity and to deliver real difference to the people serve. Troy’s creed is “Living An Epic Adventure” - in work or life; follow your passion, and live your purpose. When Troy isn’t working with clients, he is a speaker, communication auditor, and radio host. He is a founding show host and News Director of the Home Business Radio Network. A founding member, of the Association of Network Marketing Professionals, current Board Member of the Social Networking Association, and sets on numerous Boards of both for-profit and non-profit organizations. He is the former interim-COO of Isodiol International, a pioneering group of companies focused on the advancement of cannabis globally. He is the former EVP of ProSTEP Inc, the original and category creator of the technologybased communications commonly used in business today.

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EARNING POTENTIAL: $400 PER MONTH 5. ONLINE FREELANCING There are so many ways to make money online freelancing. If you can read, write, program, make videos, or are open to learning a variety of skills, you can make money freelancing online. You could even do bookkeeping for other businesses online! Some areas that are easy to get started with are online transcription work (think of all the podcasts that need thins), online virtual assistant services, and even online social media management. The bottom line is that the potential is limitless if you are even a little tech savvy or have writing skills. How To Start: • The Brambila Method - 8 days of online training, plus 4 online side hustle ideas you can launch right away, this is prehaps the best course in general online freelancing anywhere! • Proofread Anywhere - Learn how to get paid to be a professional proofreader • Transcribe Anywhere - Learn how to transcribe audio and get paid online

• Facebook Side Hustle Course - Learn how to dominate social media for small businesses • $10k VA - Learn how to become a high paid virtual assistant • Bookkeepers - Learn how to become a bookkeeper and help businesses with accounting online

EARNING POTENTIAL: $5,000 PER MONTH WITHIN 12 MONTHS 6. RENT YOUR CAR One of the coolest new ways to build a passive income is to rent out your car. If you have a car that you don’t use often - maybe you’re in school or work at home - you can rent it out to others! In fact, I have a friend who bought 3 cars just to rent via these services - and he makes back his payment and more each month! These services allow you to list your car for rent on your terms. You set the price and availability - so if you want to drive it, you don’t have to worry. Plus, they cover insurance as well! How To Start: • Turo - The original car rental service, and one of the largest platforms • Getaround - A new competitor that also allows you to rent your car

EARNING POTENTIAL: $600 PER MONTH 7. LIST YOUR HOUSE Similar to listing your car, you can also list your house, or room, or garage, or any other space you might have where someone could stay. I’ve even seen people listing their backyard for camping locations! The possibilities are limitless. You just need to put in a little effort to make your house or space friendly for potential people to come over, but otherwise, everything can be handled online! How To Start: • Airbnb - The original space sharing platform, and one of the largest to let you list your space • Booking.com - A huge travel site that allows individual listings

EARNING POTENTIAL: $1,000 PER MONTH

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8. BUY AND RESELL STUFF

11. BE A HANDYMAN

This was one of the first side hustles I ever did. I would go to garage and estate sales and then start selling the items on eBay or Amazon.

Are you handy around the house? Can you mount pictures or a TV? Can you assemble furniture, or setup a smart home device? If so, you can get paid for doing it for people near you.

Today, the technology has improved so much that there are a lot of people who make this their full-time job. Search for flippers on Instagram and you’ll see all kinds of people who are hustling and reselling stuff. And even better deal - search Craigslist Free Stuff and go get free things to resell. It’s possible! How To Start: • eBay • Amazon

EARNING POTENTIAL: $1,000 PER MONTH 9. CREATE STUFF TO SELL Maybe you’re not into scavenging for things to sell, but you have the skills to craft things to sell. If so, you can sell your own products online. From creating stationary and unique gifts, to household items, to printables or downloadables, the potential for selling your own stuff is limitless. How To Start: • The Brambila Method - Learn how to create online items to sell on Fiverr and Etsy in your first day of this online course that’s proven to work. E• tsy Sellers Shop • Google Amazon KDP

EARNING POTENTIAL: $600 PER MONTH

If you have the skills, there are people out there looking for help. How To Start: • Handy - An app that connects to people looking for handy individuals • Amazon Home Services - If you have a business or license, you can find even more business here

EARNING POTENTIAL: $500 PER MONTH 12. BABYSITTING OR DOGSITTING Do you love kids or dogs? Would you enjoy making some extra money babysitting or dogsitting in your spare time? But maybe you don’t know anyone who would pay you? Now there’s apps that allow you to connect online with people looking for your services. This makes it easy to be found, and also has a trust factor involved. If you have the time and want to do these gigs, they are usually good pay for the work involved. How To Start: • Care - A huge platform that connects caregivers and those seeking help • Rover - An app specific to dogsitting that lets you connect with people needing help

EARNING POTENTIAL: $500 PER MONTH

10. HELP PEOPLE MOVE If you have the ability to help people move, you can easily make money in your spare time. Maybe you have a truck, or are strong and can lift heavy furniture. There are people all over that pay for help moving - from moving their own houses, to when they buy furniture and need someone to help get it home. If you’re just the muscle, you won’t earn as much, but if you have a truck too, you can really earn a lot. How To Start: • Dolly - An app that connects people looking for help moving

EARNING POTENTIAL: $300 PER MONTH 56

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13. WORK ODD GIGS

15. SIGN UP FOR FREEBIES

This is one of my favorite ways to make money if you really have no idea what you want to do. Have you ever noticed people doing odd gigs around town - maybe working an event, or helping at a fair, or something that’s just a one-off.

Here’s another fun side hustle that doesn’t have a huge amount of earnings potential, but definitely is a way to put extra money in your pocket. There’s a huge list of companies that give away money just for signing up for their product or service!

Well, you can find these gigs online and get paid to do 1 or 2 day random events. If you go to Craigslist -> Gigs, there are a bunch of listing for people looking for help with a random event.

Once again, not an amazing long term side hustle, but if you want to make a little money right now, do it!

It’s not consistent work, but it’s quick and easy to get paid. How To Start: • Craigslist Gigs

EARNING POTENTIAL: $300 PER MONTH

How To Start: See next page... How To Start: • Ebates - $10 Bonus • Ibotta - $10 Bonus • Swagbucks - $5 Bonus • MyPoints - $5 Bonus • InboxDollars - $5 Bonus

14. TAKE ONLINE SURVEYS

• Chime - $5 Bonus

I had to include this on here because there are definitely places that you can make money online. And this is a really low paying opportunity, but one that you can do in your spare time - any time.

• Robinhood - Free stock

In fact, I used to take these surveys when I was in class in college - so I was getting an education and getting paid. Basically, if you can turn on your computer, you can be earning a little bit of money.

• Acorns - $5 Bonus • Webull - Free stock

EARNING POTENTIAL: $50

But, the income potential with this is very low. How To Start: • Swagbucks Surveys - Swagbucks now has a dedicated survey section, and you can get $5 just for signing up. • Survey Junkie - Earn cash and rewards for sharing your thoughts and opinions.

EARNING POTENTIAL: $50 PER MONTH

What To Look For In Earning Potential Whenever you’re assessing the best side hustle, earning potential is probably going to be your number one priority. However, it will also likely be in relationship to scheduling. For example, driving and delivering packages has a good earning potential with totally flexible scheduling. If you were going to compare this to working a second job, there is low earning potential and poor scheduling. for ad rates. ©www.HomeBusinessAdvertiser.com IncomeOpportunitiesMagazine.com - the perfect marketing tool to promote your business.

Earning potential also depends on your time horizon. If you have the time to invest in your side hustle, you can likely grow your earning potential over time. However, if you need immediate income today, you likely won’t have huge growth potential.

How To Assess Growth Potential

How To Find Flexible Scheduling

This is really a personal question about where you want your side gig to go. Some people might just want some extra money for Christmas. Other people may want to try and scale their side hustle into their full-time job.

A key factor in side hustles is flexibility. If flexibility didn’t matter, you would just go get a job. But the reason most people are looking for a side hustle is because they are trying to easily accommodate extra income on the side of whatever they are doing during the day. The most flexible jobs are all online based (or app based, like ride sharing and delivering). That’s why the bulk of this list has online opportunities. However, you can still do many of these jobs offline especially tutoring. And there is good flexibility and earning potential there as well. But without access to a marketplace, it could be hard to find work (and get paid).

If you want your side hustle to grow over time, you need to think about growth potential as well. Some of these jobs have no growth potential. Others, like starting a blog, have huge growth potential.

There is no right or wrong answer here, but you should realize the future potential when you get started. Final Thoughts Hopefully these give you some good insights into what I think makes a good side hustle. Plus, this list of the best side hustles goes a long way to making things happen.

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