August 2016 Home Business

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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

August 2016

HOMEBASED

10

50+

Entrepreneurs Who Turned a Venture into an Empire – Pg. 14

ProfitBuilding Businesses

MILLIONAIRES

– Pg. 22

START-UP MONEY: Don't Sabotage Personal Finances

BOOST SELLING: Close Sales with Body Language SISTER-ACT: Sisters Cash In on Traveling Jewelry Boutique NETWORK MARKETING: Power Prospecting for “Aces”

Interview: Jennifer Lopez

Bedros Keuilian, founder and CEO of Fit Body Boot Camp

HIT THE ROOF: $6 Figures in Roof Repair

“Being the Boss” – 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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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

I

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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July/August 2016 | Home Business

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Contents

Home-Based Business & Opportunity Magazine

Magazine July/August 2016

BUSINESSES & OPPORTUNITIES

14 28

28

Becoming Truly Innovative. A family value.

32

Power Prospecting for Aces. Win the network marketing game with a handful of “aces.”

56

Small Biz Ad Marketplace.

57

Classified Ads.

Seven-Figure Income: Meet entrepreneurs who attained high income levels and success working from home.

FEATURES Home-Based Millionaires!

Entrepreneurs Who Turned a Venture into an Empire.

20

Interview with Jennifer Lopez. Actress/Singer Comments on Acting in and Executive Producing SHADES OF BLUE, Being the Boss, Diversity on TV, and Fitting in AMERICAN IDOL and Vegas.

22

50+ “Profit-Building” Home-Based Start-Ups. Check Out This Table of HomeBased Businesses That Offer Opportunities in 2016.

20 48

contribute.

Jennifer Lopez: “I don’t ever think of myself as the boss. I think of myself as a very important piece of this puzzle.”

Letters to the Editor & Notice to Readers.

Improve Your Non-Verbal Selling Skills.

26

Beauty by the Box. Beyond

27

Cashing in with Litter. Man

38

Back in the Filtering Game.

44

Family Bonded by Charms.

45

An Original Entrepreneur.

46

Fruitful Formulations for

34

50

Her Blush delivers monthly boxes. marks 35 years in business.

Entrepreneur is drawn to a startup.

Sisters operate an online jewelry boutique.

Traveling locksmith invents padlock.

Helping Athletes, Patients, and Military: Matt Wyatt’s company makes wearable, active compression technology.

Hair. Hair expert runs a high-end beauty business.

Send wordless cues long before you close a sale.

50 Body Communication: Be aware of yours and your customer’s body communication, too.

HOME OFFICE

40

Health And Wellness Tips. Stay motivated, focused, and healthful working from home.

46

Book/Product Reviews. Hot items for the home office.

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WORK-FROM-HOME SUCCESS STORIES

Letter from the Publisher.

MARKETING & SALES

34

48

Baird’s Steffen’s Money Tips.

Start a business without sabotaging personal Start-Up Money: Set parameters for finances. the personal savings you’re willing to

NEWS AND REVIEWS

10 12

MONEY CORNER

© Reuters

14

Innovation: Family-owned firms are perfect for teaching innovation to the next generation.

54 55

Co-Working a Company. Growth step is between a home office and independent space.

Power Tools for Women. DIY expert shares crafts and humorous videos.

New and Improved Hammock. Trip to Jamaica inspires a mechanical engineer to design a product.

July/August 2016 | Home Business

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Volume 23 Issue 4, July/August 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 Henderson Experts Editor Shannah Carol Graphic Services Kara Primm, Slice, Inc. Production Manager Ultra Graphics, Theresa 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 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, R.R. Donnelley 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 Internet Manager Infoswell Media Website/SEO Kevin Hagen Social Media Sherilyn Henderson Customer Service Email: customerservice@homebusinessmag.com Phone: (800) 734-7042 Fax: 714-388-3883

Editorial Rachel Craig, Robert J. Holton,Bob Phibbs, Dr. Joseph Rubino, Tim Steffen, 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.

Printed in the United States

LETTER FROM PUBLISHER

®

Magazine M i

Build Your Own Business Empire This July/August 2016 issue of Home Business® Magazine spotlights eight entrepreneurs who have built up million-dollar businesses working from home. Each of these home-based entrepreneurs has grossed over one million dollars per year in sales, and each started out as a home-based business and/ or continues to be run from home. This cover story theme remains an annual favorite of Home Business® Magazine readers.

The eight millionaires spotlighted all started out small — in spare bedrooms, kitchens, and garages — but continued to grow nationally (and in some cases, internationally) and achieved over seven figures in sales. Their business types fall under the categories of Business Products, Kids Playwear, Beverage Products, Food Products, Personal Products, Franchises, and Sales. Some started their home-based businesses on their own, while others co-founded and run their businesses with others. These eight entrepreneurs share their stories on how they achieved seven-figure earnings in home businesses.

Do you have what it takes to build a successful business empire? According to one of our spotlighted millionaires, the answer can be “Yes.” As one of the most successful entrepreneurs in the fitness industry, Bedros Keuilian, Founder and CEO of Fit Body Boot Camp, opened one of the fastest growing franchises in America, with a new location opening every 38 hours. He’s also the fitness industry’s leading consultant for marketing, business systems, and development. His blogs, products, books, and live events help fitness professionals and business owners around the world build more robust and profitable systems. Bedros has been featured as a host and expert on Spike TV’s Gym Rescue, and he’s also known as the “Hidden Genius” behind many of the biggest names in the fitness industry including top celebrity personal trainers featured on popular television shows. An immigrant from a communist country turned hugely successful entrepreneur, Bedros uses the stage to share his personal American Dream story and impart his passion for success with audiences worldwide.

To help inspire other ambitious entrepreneurs, Bedros has 10 tips for becoming a successful entrepreneur in 2016: 1. Build a Support Network.

2. Choose One Thing and Do It Better Than Anyone Else.

3. Challenge Yourself.

4. It’s Okay to Make Mistakes if You’re Perseverance, Learning From Them. determination, and 5. Put Your Employees First. resilience are three 6. Love What You Do. important words that every 7. Take Every Opportunity as a Lesson. entrepreneur should have engrained into his or her 8. Business Planning Improves Your Chances for Success. daily business plan.

9. Take the Risk.

10. Put in the Time to Get the Results You Want.

“Being a successful entrepreneur doesn’t happen overnight and it takes a lot of hard work, dedication, and drive,” says Bedros. Perseverance, determination, and resilience are three important words that every entrepreneur should have engrained into his or her daily business plan.

Home businesses in a variety of industries have the potential for milliondollar success. Be inspired by the eight home-based millionaires spotlighted in this issue’s cover story and the secrets they share for achieving home-based business success. For more information on succeeding in a home business, visit www.homebusinessmag.com. Also visit our table of “Profit-Building” Business in this issue.

“

”

Publisher, Home Business® Magazine 10

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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

1-800-656-0040 ask for Operator

And as an added incentive on top of the generous commissions Pace pays we’ll include a BONUS CHECK for $100 when you close your very first roof coating order.

taking orders from somebody else.

You can start out earning extra income part-time (with the option of going full time anytime you wish!) ... or go right into it full tilt! Pace No Investment! offers that kind of You, too, can enjoy the flexibility. There is no waiting, either. You can same success. Best of all, you don’t need any start making money from your very first special background day. You get your or experience. Of big commissions up course, if you have selling, construction or front. Paid in advance, application experience, weekly! you’ll benefit even FREE DETAILS – more so.

No Obligation!

Pace is a proven Call toll-free winner. That’s why it is used by such 1-800-656-0040 well known firms Please ask for Operator as General Motors, and we’ll rush American Airlines, you all the details.

Holiday Inns, and There’s no obligation. thousands more.

No salesman will call.

Be Your Own Boss!

You’ll like being your own boss and running a successful business. You can set your own hours, ease off whenever you want, make your own decisions and stop

4510 West 89th St, Suite 110 Dept. HB Prairie Village, KS 66207 Visit us on the web at www.paceproducts.com email sales@paceproducts.com

6/2/16 2:05 PM

DEAR HOME BUSINESS

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

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225+ D HOME-BASE RT-UPS BUSINESS STA GET STARTED

TODAY!

ess & Home-Based Busin zine Opportunity Maga

June 2016

SOCIAL START-UP w

& Gro DIA to Start-Up Use SOCIAL ME Pg. 14 Your Business –

50+ “SOCIAL”

START-UPS. – Pg. 22

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The Silent Selling Tool We All Have Selling is something everyone does each and every day. Every conversation is a selling moment and a perfect opportunity to leave an indelible impression with whom you are speaking. That impression you leave can have other people wanting and clamoring to engage you. But wait—there is another selling tool that everyone uses every day. It is used more than conversation and many people do not have an active realization of how critical this tool is to success. Curious as to what it is? Here you go: Presence.

Presence is much more than you being physically present. It means how you present yourself in every situation you are in. It’s how you show up and engage people. Your ability to demonstrate your presence is a powerful—and potent—silent selling tool, and one that is all too often underestimated and misunderstood.

for five minutes. But, if you don’t ask, you stay stupid forever.” People may be afraid to ask dumb questions because of peer pressure. They may lack self-confidence. Whatever the cause, not asking dumb questions diminishes your value to your employer.

Asking dumb questions indicates a lot about you. It indicates you are not intimidated by the situation. It indicates you add value as a participant in the meeting. It indicates you represent the silent majority in the audience— the silent majority who had the same question but lacked the courage to bring it up.

Walt Grassl Speaker, author, and performer Host of the radio show, “Stand Up and Speak Up” www.WaltGrassl.com Simple Ways to Refresh Your Spirit When you mindfully practice these tips (and come up with your own), you’ll find that each day becomes more colorful, more richly textured, more infused with joy and meaning.

Really savor life’s simple pleasures. Life is abundant with gifts of indescribable beauty.

Keep a spiritual journal. By checking in with yourself daily through writing, you will gain a keen sense of what peace means to you, and your soul will go to work to find the answers.

Embrace an art form that gives you goosebumps. Some examples may include painting or sketching, learning a musical instrument, or taking a sewing or acting class.

Practice gratitude daily. Acknowledging the positives in your life makes even the roughest paths seem more tolerable and in time will make you more resilient.

Find a spiritual practice that resonates Todd Cohen with you. Check out a yoga class, or meditation, www.ToddCohen.com or find a spot by a stream or lake that gives you a peaceful feeling.

Good Leaders Ask Dumb Questions Weave random acts of kindness into Paul and Trudy work in a medium size the fabric of your life. Paying it forward is a company. Trudy was having lunch with Paul kindness that will only perpetuate love, and love after a particularly grueling meeting. Paul said, is the primary force of Heaven.

“I believe good leaders ask dumb questions. It is Find something to smile about every day. not only OK, but one must question the obvious and call out the elephant in the room.” He went Soon, you may notice that your outlook is more on to share a quote from his mentor, Sam, who hopeful than ever before. said, “If you ask a question, you may look stupid 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.

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Home Business July/August 2016

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Cultivate a garden. Also pot indoor plants and trees to make your interior just as beautiful as the outdoors.

Find inspiration through music. Find time every day to play music in your home that resonates and makes you feel connected to your own spirit—or to a higher power.

David Solomon Christian minister and the author of The Dead Saints Chronicles: A Zen Journey Through the Christian Afterlife Founder of Fast Transact, Inc. www.deadsaints.org

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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Home-Based Millionaires!

Entrepreneurs Who Turned a Venture into an Empire

F E AT U R E

By Sherilyn Colleen

C

ruising down a street lined with palm trees, a dazzling ocean view passes through the window. The hum of a Bugatti Veyron’s engine music to the ears, success has never tasted sweeter. Perhaps another scene inspires a stronger connection.

Children, parents, and grandparents smile around a campfire behind a glorious vacation home in Utah, roasting marshmallows and regaling humorous tales. Fortunate to be able to spend summers together free from financial duress, strong bonds are formed and life’s wishes are fulfilled. Whichever outcome is the dream success story for an entrepreneur, diving into the journey of starting a homebased business begins with that first step—an idea—and flourishes through a tried-and-true method: hard work.

This issue spotlights eight entrepreneurs who have achieved 7 figures in yearly sales.

Discover each unique story that had a common theme: success was not handed to them and did not happen overnight. Take note of the skills they possessed to attain high income levels working from home and get closer to ultimate success in 2016.

MILLIONAIRE #1 Business Product French Owner of Ins’TenT Industries is Conquering the American Dream

Attain high income levels working from home and get closer to ultimate success in 2016.

business, Vitabri Canopies. After many years of hard work running the sales & marketing department, Vieille turned Vitabri Canopies into the #1 tent manufacturer in France.

In 2010, he sold everything he owned in France to move to America to start his own business. “I had a small apartment in Huntington Beach and just a few Vitabri products.” Vieille started showcasing Vitabri tents at farmers’ markets every weekend and eventually started doing trade shows for brand awareness. In his first year, Vieille only made $1,000 dollars in profits.

Vieille joined ASI and Sage, the most popular online distributor channels, to expand his business. He successfully established Vitabri within those platforms as the high-quality manufacturer of tents in the promotional industry.

Vieille’s passion for outdoor design began in France when he was just a recent graduate from business school and he joined the family 14

Home Business July/August 2016

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Up next, Damien Vieille plans on launching new lines of inflatable furniture and umbrellas that he predicts will be a big hit in the promotional market. He is also looking forward to launching a new website for both wholesale and marketers that are looking for innovative products. Visit www.instent.com.

MILLIONAIRE #2 Business Product Entrepreneurial Team Spearheads Visual Communication with Innovative Workplace Product Robby Whites and Jeremy Rincon, founders of Clarus Glassboards LLC

In 2014, Vieille decided to develop and introduce a new line of products to his business. “We exhibited at trade shows and festivals and always wondered why exhibitors only used pop-up tents; I wanted to bring something new to the table,” he shares. That year, Vieille founded Ins’TenT Industries.

Vieille developed the AirDome, an inflatable tent unlike any other that is perfect for showcasing brands at events. Since then, Ins’Tent has brought on such customers as

Damien Vieille, founder and CEO of Ins’TenT Industries

Ins’TenT Industries specializes in high-performance tents and custom printed signage.

In just three years, CEO, Damien Vieille has quickly turned Ins’TenT into one of the top tent and signage manufacturers in the United States.

LifeProof, Trek, Suzuki, Red Bull, UCLA, and Jack Nadel to name a few. In 2015, it reported earnings in the high $3 million dollar range.

Damien Vieille is founder and CEO of Ins’TenT Industries, a local company specializing in high-performance tents and custom printed signage.

Robby Whites and Jeremy Rincon are the founders of Clarus Glassboards, the leading manufacturer and innovator of glass dry-erase and architectural systems.

In 2009, Robby Whites and Jeremy Rincon were laid off from their jobs as junior analysts at the Stanford Financial Group in Houston because the company was shut down for a fraud investigation. These friends both had a great sense of faith and spirit, and seized the opportunity to create something new. The writing for their futures was no longer on the wall, but little did they know it would be on the glass.

Continued on page 16

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Home-Based Millionaires!

Continued from page 14

Having spent serious time in the corporate world, they had become acutely aware of the mood swings of the financial-services industry, and wanted to work in a sector that did something tangible. They had also come to understand what was lacking when it came to workplace communication.

find an outlet, plug in your computer, and let’s get to work.” From those humble beginnings, today they’ve built a team of over 120 talented employees. After selling a majority stake to Bertam Capital Management last year, the two, now thirtysomethings, continue to work on the business and serve as advisors.

Thinking about a recent business trip they’d taken to Colombia, they recalled visiting an office that used a simple sheet of glass mounted on poles as a writable surface. They saw untapped potential in a market where the only competition was traditional dry-erase whiteboards, a product that had changed little since its introduction in the 1960s and left most users feeling dirty and unsatisfied.

Clarus Glassboards is now the leading manufacturer and innovator of glass dry-erase and architectural systems revolutionizing the way workplaces communicate. The company caters to some of the most successful organizations and industry segments across the world, offering innovative glass products that individuate a space with clarity, function and a chic and minimalist interior design. Visit: www.clarusglassboards.com.

The co-founders thought it would be a pretty fantastic tool to give people the freedom to write creatively on functional and stylish walls, knowing it could easily be washed and wiped off. Following in the footsteps of other innovative inventors like Steve Jobs and Steve Wozniak, the two twentysomethings headed straight into their parents’ garage. Hence, the birth of Clarus Glassboards LLC. “In the early days, people used old doors propped up on metal legs as their desks,” states founder Robbie Whites. “The mentality was

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to dream she would turn her vision into a multi-million dollar company.

Once her daughter came along, Costa quickly realized a void in the kid’s playwear market. She searched for good quality clothing that supported play and empowered children with the independence to dress themselves fuss-free, without sacrificing style.

Beginning in 2006 and like so many entrepreneurs, Costa bootstrapped her business, building it from her Vancouver, BC basement.

With no prior experience in the retail industry, Costa designed and produced her own line of children’s apparel, calling it Peekaboo Beans.

MILLIONAIRE #3 - Kids Playwear Mompreneur Takes Playwear from Her Basement to the Community Traci Costa, founder and CEO of Peekaboo Beans

Nine years ago, when Traci Costa got the idea for a children’s playwear brand creating comfortable, ethically made clothing that fosters independence and play, she didn’t dare

Traci Costa is the founder and CEO of Peekaboo Beans, a business supporting work-life balance for parents and changing the way families look at playwear.

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Through dedication, quality products and strong sales, Costa made Peekaboo Beans available in many children’s boutiques across British Columbia.

growing their businesses. The business currently has more than 800 sales representatives and is growing at an estimated 30 new consultants every month.

When the 2008 recession hit, local boutiques began closing, no match for big box department stores. With fewer boutiques out of which to sell her playwear paired with an increasing demand for the products, Costa did what any successful entrepreneur and mother would do. In 2011 she adopted a new way of looking at business.

“My team is empowering parents to have their own rewarding entrepreneurial opportunity, encouraging them to love their jobs and live their family values,” says Costa. Visit www.peekaboobeans.com.

Costa turned to the greatest advocates for children, Moms, and offered them the opportunity to develop their own businesses, and earn income sharing a product they love with their communities. Giving parents the opportunity to set their own hours and work from home with their children and for their children ensured the direct sales model was a success for Peekaboo Beans.

Peekaboo Beans Independent Play Stylists share seasonal playful clothing lines through their own rolling boutique, bringing a retail shopping experience to living rooms across the country. Top stylists have each sold over $200,000 in product and through training, have built sales teams under themselves,

Mark Rampolla is the former CEO of ZICO Coconut Water, a beverage that is 100% pure coconut water.

MILLIONAIRE #4 Beverage Product Executive Leaves Job with Fortune 50 Company to Launch Coconut Water Product Mark Rampolla, former CEO of ZICO

Imagine a quiet Saturday morning at a beach in El Salvador, relaxing poolside to beat the tropical heat. Mark Rampolla’s wife was pregnant with their second daughter and she had morning sickness that wouldn’t quit.

The only thing that helped her feel better was “agua de coco” — fresh, clear coconut water, sipped straight from the nut. After many years in a successful but unfulfilling career, Rampolla was a man in search of a new future.

Little did he know that day that he and his

wife were holding the seed of a great idea right in their hands.

In 2004, Rampolla left behind his $300,000 per year job and his path to the top of a Fortune 50 company in order to start ZICO Coconut Water. With ZICO, Rampolla had an ambitious goal: introducing coconut water to the American market while facing steep competition from an already crowded beverage industry. “I wanted to help Americans stop guzzling caffeinated, sugary drinks and reduce obesity nationwide, and also help developing-world suppliers profit along the way,” Rampolla shares.

A few years later, ZICO Coconut Water Continued on page 18

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F E AT U R E

Home-Based Millionaires!

Continued from page 17

was finally flying off shelves and selling out in yoga studios, it was a favorite at Whole Foods and found in the hands of many A-list celebrities, and The Coca-Cola Company agreed to invest in ZICO. In 2013, Coke purchased ZICO outright. In less than a decade, ZICO had become one of the global leaders of a new, healthy, $8 billion dollar beverage category. It brought hundreds of millions of dollars to struggling farmers in developing countries.

After the sale of Zico to Coke, he stepped away from ZICO and now happily works from home, where he gets to spend time with family on a regular basis. He co-founded Powerplant Ventures to invest in emerging growth companies on a mission to remake the global food system to deliver better nutrition in humane and sustainable ways.

From his home office, Rampolla wrote HIGH-HANGING FRUIT: Build Something Great By Going Where No One Else Will. His book tells the gritty story of ZICO’s journey and shows how Rampolla’s passion for combining social good with audacious business paid off. Visit www.amazon.com/HighHanging-Fruit-Build-Something-Great/ dp/0399562125.

MILLIONAIRE #5 - Food Product Natural Treatment for Mother’s Breast Cancer Inspires Family Business Amelia Kirchoff and Jola Sonkin, founders of GoMacro

Started by a mother-daughter team, GoMacro is an organic food company that creates plant-based nutrition bars with quality ingredients. The company focuses on providing snack options made of healthy sugars, healthy natural ingredients and no additives or preservatives, healthy grains and no dairy. Another important part of the business is the incorporation of environmental and sustainable projects both on their farm and in the production facility.

Prior to starting GoMacro, Amelia was an architect working as a space planner.

She then retired to the family’s organic farm in Wisconsin in hopes of pursuing a sustainable lifestyle. Her daughter Jola, CEO of GoMacro, was a Latin teacher at one of the Classical schools in the Chicago Public School System.

In 2003, Amelia was diagnosed with

Jola Sonkin and Amelia Kirchoff are the founders of GoMacro, an organic food company that creates plant-based nutrition bars with quality ingredients.

breast cancer and after a lumpectomy and brachytherapy, she turned down five years of drug treatment and instead switched to a macrobiotic diet. She eliminated animal products and processed foods from her diet, eating mostly the fruits, vegetables and grains she could grow on her family farm.

“As I began to regain my health, I began craving the sweet foods I used to eat, and that is how I created the first “Macro treat” that would jumpstart our family business,” shares Amelisa, co-founder of GoMacro. She began sharing them with her family and close friends, and her daughter Jola decided they were too good not to sell, so she started distributing them at local health stores around Chicago.

When the mother-daughter duo first started making these bars 12 years ago in their home kitchen, their initial goals were very basic: sales goals. For example, they wanted Whole Foods to carry their bars.

Seeing the growth and mainstream acceptance of GoMacro bars has been their greatest business achievement. The bars are Non-GMO project verified, USDA Certified Organic, Kosher, vegan and free of gluten, soy and dairy. Amelia thought a very niche group of people would be interested in their kind of product.

Over 12 years since their start, GoMacro is internationally distributed and sells three variations of plant-based bars. GoMacro’s current goal is to smoothly cross over into conventional markets as they continue to expand their product line while maintaining their core principles. Visit www.gomacro.com.

MILLIONAIRE #6 - Personal Product Former Convict Turned Entrepreneur 18

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Finds Success Providing Cosmetic Hair-Loss Solution Salvatore “Ronnie” Passariello, founder and CEO of Hair Illusion

When Salvatore “Ronnie” Passariello went to prison on a drug-conspiracy conviction, he lost everything. He no longer owned his tanning salon and had little hope of reprising one of his former gigs, flipping houses, because of credit loss. “It’s hard to get a job out of prison,” Passariello explains.

“So I had to be self-motivated.”

Salvatore “Ronnie” Passariello is the founder and CEO of Hair Illusion, a cosmetic product that helps with thinning hair and bald spots.

the internet and months of research and testing, Passariello created Hair Illusion, a cosmetic product that helps with thinning hair and bald spots. Because it is made from 100% human hair, it looks completely natural and does not budge, even in the wind or during an intense workout. It’s quick, painless to apply, and works for both men and women.

In addition to figuring out how to earn a living, Passariello faced another problem.

He was rapidly balding and none of the products he bought to deal with his hair loss were working.

Passariello spent his time in prison reading anything he could get his hands on related to entrepreneurship. By the time he was released, he had accumulated two large boxes of notes and magazine clippings.

He set up a “home office” in the back of his friend’s tanning salon by hanging up a shower curtain and using a $200 laptop that his friend bought.

It took 15-hour days to get his new product developed, tested, and sold on the market. Passariello primarily promotes Hair Illusion via social media platforms, where customers can see the before-andafter photos of actual product users. Hair

With the help of freelancers hired over

Continued on page 52

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Interview with

Jennifer Lopez On Acting in and Executive Producing SHADES OF BLUE, Being the Boss, Diversity on TV, and Fitting in AMERICAN IDOL and Vegas

Q: You had your current television series SHADES OF BLUE (based on a novel by Michael Rudolph called Shades of Blue: 30 Years of (Un)ethical Policing) completely filmed before it went on the air, right?

JL: Yes. Q: Did that make it especially unnerving— wondering what the reception would be?

JL: It was nerve-racking. Just doing the show itself was very challenging. Doing a one-hour drama is probably one of the hardest gigs in show business, and it’s very demanding, and a show like this is such an emotional roller coaster for me and for a lot of the characters. It’s very challenging — not knowing whether people are going to embrace the show. At the end of the day, you just have to give it your all, put your heart into it, put everything on the line, and see what happens. That’s how I approach everything, anyway.

“I don’t ever think of myself as the boss. I think of myself as a very important piece of this puzzle.”

– Jennifer Lopez Q: You mentioned the workload. And, obviously, a one-hour drama, everyone says it’s the biggest grind, but were you noticing things that you are weren’t seeing in film scripts that made you say, “OK, I want to see what I can do with a full TV series run, to actually play a character that I’m not seeing on the movies?”

JL: To be honest, for me, right now, the best movies are on television. The characters are better. The stories, like you say, have more opportunities to explore things. It was just 20

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a really exciting opportunity to do something that I hadn’t done in a while in a different way than I had done in a long time. For me, the script itself, the story itself, the idea of it from the very first time I spoke about it with my producing partner Elaine Goldsmith Thomas — I knew that there was something that could go on. It just had enough of a base to really grow into something that hopefully, never gets boring.

Cou ourte rtesy sy of Reu Reuter terss

F E AT U R E

By The Interview Feed

Actress and singer Jennifer Lopez says, “Television has always been great at reflecting society since way back—pushing the boundaries of what’s happening in life, and I think it’s no different right now.”

Q: But at the same time, was there a thought of sort of doing something that maybe didn’t stray so far from things that we’d seen you do in the movies as well?

JL: No, no. I never think of those things when I’m choosing projects. I just do what excites me, whatever kind of, when I hear it, goes, “Oh, yeah, that sounds good.” It’s very kind of from the gut for me.

Q: What does your role of executive producer entail on a day-to-day basis on the set?

JL: I have to say that they really give me the space to do the acting that I need, but you’re really involved in every decision that goes on — the way the set looks, what everybody is wearing, the way the scene feels, the development of the scene, reading the scripts and giving your input, casting the show, bringing in all of the crew — everything. It’s actually a lot of fun to create something from the ground up like that and to be involved at such an early stage.

And then on the set day-to-day, I have a pretty tough workload. As you’ll see throughout the season of SHADES OF BLUE, my character Harlee Santos (a single-mother NYPD officer, who is forced to work in the FBI’s anti-corruption task force, whilst dealing with her own financial problems) is involved in almost every scene of each episode.

Q: Jennifer, being the executive producer, that must create an interesting dynamic with

you and Ray Liotta. He’s giving marching orders on camera, and you’re his boss off camera. Can you talk about that a little bit?

JL: He’s boss on and off camera. I don’t really try to challenge that in any way, shape, or form. We have a great time, actually. We really loved working together. I don’t think of myself as the boss on set. I think of myself as Harlee when I’m on set. Then in relation to all of the characters, feel like that we are a family and that he’s kind of our father figure in it, and he’s our leader. That’s kind of the dynamic that exists on the set. I don’t ever think of myself as the boss. I think of myself as a very important piece of this puzzle.

“It’s actually a lot of fun to create something from the ground up like that and to be involved at such an early stage.”

– Jennifer Lopez Q: I’d like you to look at the television landscape through your eyes. Every year they talk diversity, diversity, diversity, and maybe we see one or two shows with a minority in the lead. But this year, it seems as though there is a wealth of shows with casts like yours, showing and reflecting real life. With the landscape from your eyes, and as a producer who wants to do projects like these, tell Continued on page 56

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50+ Home-Based Businesses

PROFIT-BUILDING

Business Name

Address

Phone Number

Website

1-800-Got-Junk?

A Card InTheYard

1055 West Hastings, 8th Flr., Vancouver, BC, Canada 240 Edgewater Dr., Menasha, WI 54952 N19W24075 Riverwood Dr., Waukesha, WI 53188 3839 Forest Hill Irene Rd., Memphis, TN 38125 921 East Main St., Chattanooga, TN 37408 830 Oriole St., Corpus Christi, TX 78418 125 W. Boeger Dr., Arlington Heights, IL 60004 34189 Pacific Coast Hwy., Dana Point, CA 92629 500 Elk St., Buffalo, NY 14210 2121 Vista Park Way, West Palm Beach, FL 33416 Cincinnati, OH P.O. Box 580307, Pleasant Prairie, WI 53158 8810 Commodity Circle, Ste. 7, Orlando, FL 32819 7111 Ohms Lane, Minneapolis, MN 55439 9728 3rd Ave. #559, Brooklyn, NY 11209 24333 Penhollow Ct, Punta Gorga, FL 33955 P.O. Box 726, Waitsfield, VT 05673 1640 East Edinger Ave #L, Santa Ana, CA 92705 725 NW 11th Street, OKC, OK 73103 11111 Richmond Ave, Houston, TX 77082 322 N. Shore Dr., Bldg 1B, Pittsburgh, PA 15212 5 Aerial Way, Ste 200, Syosset, NY 11791 1725 S. Rainbow Bl. #16-15, Las Vegas, NV 89146 4300 N Miller Rd, Ste 230, Scottsdale, AZ 85251 Roseville, CA 95678 2781 Lisbon Street, East Liverpool, OH 43920 4950 Blue Heron Dr., New Port Richey, FL 34652 322 Old Kingston Rd, New Paltz, NY 12561 P.O. Box 7530. PMB 49, Yelm, WA 98597 P.O. Box 700, East Sandwich, MA 02537 5445 DTC Parkway Greenwood Village, CO 80111 93 Main St, Box 465, Hebron, CT 06248 PO 25 102 South Main St, Cumberland, IA 50843 4555 Lake Forest Drive, Cincinnati, OH 45242 1020 N. University Parks Dr., Waco, TX 76707 16501-D Northcross Dr., Huntersville, NC 28078 206 23rd St., Lubbock, TX 79404 4510 W. 89th St., Ste 110, Prairie Village, KS 66207 Box 1870, Absecon, NJ 08201 190 Etowan Industrial Court, Canton, GA 30114 1278 Chapin Road, New Castle, PA 16105 1208 N. Ward Street, Tampa, FL 33607 14615 NE 91st St # C, Redmond, WA 98052 407 Megan Ct., Savannah, GA 31405 3327 Parks Lane, Carmichael, CA 95609 110 St. Andrews Way, Etters, PA 17319 4384 Stage Rd., Ste. 220, Memphis, TN 38128 11031 Sheridan Blvd, Westminster, CO 80020 300 John St., Thornhill, Ontario, Canada L3T 5W4 425 Wilbanks Drive, Ste 130, Woodstock, GA 30107 245 W Carl Karcher Way, Anaheim, CA 92801 1701 NE 191 St. Apt 417, Miami, FL 33179 1828 Woodland Farms Ct, Old Hickory, TN 37138

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www.1800gotjunk.com $90K-$120K www.acardintheyard.com $399 www.ahit.com $1K-$6K www.amerispec.com $44.9K-$76.8K www.andyoncall.com $35.6K-$47K www.lovewireless.com $0 www.arrow-vending.com $1,000 www.aussiepetmobile.com $55K-$215K www.AustinAir.com $1,500 www.billboardconnection.com $42K-$45K www.caringtransitions.net $38.3K-$66.6K www.celebratehome.biz $1,295 www.cleanfirsttime.com $5.6K-$150K www.colorglo.com $45K www.computerhelp.com $300+ www.endcracks.com $965-$1,895 www.discoverymap.com $40K www.euro-eyewear.com $250-$5K www.ewfinternational.com $25K-$30K www.familycarecard.com $299 www.freerxplus.com $125 www.garagetek.com $250K www.hi-techind.com $12K-$30K www.ima-world.com $40K-$50K www.wrapfatnow.com $99 www.cleanoutforeclosures.com $249+s/h www.senioragecare.comN/A N/A www.kidzonthego.com $100K-$125K www.ManyPeopleNeedThis.com $200 www.locationlube.com $10K-$35K www.mauiwowi.com $70K-$500K www.MedAlertBusiness.com $449 www.microreality.com $10K www.monitorclosely.com $23.1K-$37.9K www.mrrooter.com $57.5K-$152.8K www.nationsexpress.com N/A www.thedecorgroup.com $5.52K-$22K www.paceproducts.com $70 www.pizzamoney.net $97 www.playnation.com <$10K www.postalmoneyordersystem.com $150-$3,500 www.printinginabox.com $99-$1,999 www.rotovac.com $2,995+ www.royalrestrooms.com $90K www.rpmvending.com $99 www.sweet-greetings.com $2,500 www.tax-force.com $15K www.TheAlternativeBoard.com $41K-$101K www.hirethegardener.com $45K www.tygarmfg.com $7,895+ www.decorativeconcreteprofits.com $1,000 www.wedrinkwater.com $10 www.yourcleanfuture.com $199

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Start-Up Cost

Company # of Type of Business Started Business

1989 1988 1992 1987 1993 1991 1994 1996 1990 1986 2006 2009 2003 1978 2004 2002 1987 2001 1998 1983 2008 2000 1979 1969 N/A 1992 N/A N/A 2011 1987 1982 2010 1993 2006 1981 1998 1998 1958 N/A 1994 2005 1998 1996 2004 1992 2000 2000 1996 1994 2001 N/A 1993 1980

317 128 25 305 48 N/A 100 410 950 93 64 24 14 500 N/A 5 40 2,000+ 4 25 N/A 67 69 26 N/A N/A N/A N/A N/A 712 550 500 288 23 348 30 60 5,000 N/A 100+ 200 500 N/A 47 N/A 100 55 159 31 1,600 500 N/A N/A

F L M L S F F S SB DR DS F L M F F DR MLM DS IA D F F DR L F D IA F D W IA F MLM DR MLM IA F D L DR MLM DS SB D F MLM DS IA M F DR L MO D L F DS F IA F D MLM SB DS DR M W MLM DS F W SB DS D DR M DR L F DS D DR M W MO L L IA F F DS E W MLM D

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BUILD HOME-BASED PROSPERITY WITH A FULL- OR PART-TIME HOME-BASED START-UP! Type of Business: D = Dealer, DR = Distributor, L = Licensor, F = Franchise, M = Manufacturer, W = Wholesaler, DS = Direct Sales, MO = Mail Order, S = School, SB = Service to Business, MLM = Network Marketing, IA = Independent Agent, E = E-Commerce Training Provided: M = Manual, V = Video, ON = Onsite, HQ = Headquarters, I = Internet Support Provided: $ = Financial, MK = Marketing, ON = Onsite, HQ = Headquarters, T = Technical, S = Sales Leads, I = Internet Support, O = Ongoing, M = Meetings Mobile: = Business is Home-Based and is Operated Primarily Outside of the Home.

Start-Up Costs: K = $1,000, N/A = Information Not Available

Training Provided Support Provided

Description & Email

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SUCCESS STORIES

Beauty by the Box Beyond Her Blush Delivers Monthly Boxes Curated by Iconic Celebrity Stylists

By Alexandra Valdes

P

ersonally wanting more out of a subscription box service inspired Michelle Grundman to create Beyond Her Blush.

After trying the existing subscription beauty boxes available in the market, Grundman found that the products were great, but had no idea how and when to use them. Grundman filled the void with Beyond Her Blush, which launched in November 2015.

Beyond Her Blush is a beauty subscription box service that delivers trendy looks to customers’ doorsteps every month. Each month, the box features a celebrity makeup artist who curates the products within the box, which come together to achieve that month’s look.

Each box consists of 5-6 beauty products and provides a mood board describing the featured artists and products along with a link for a video tutorial on their YouTube Channel to demonstrate how each product is used together. By providing an array of makeup, jewelry, lotion, toner, nail polish and more, the boxes

retail for $18.00 or $20.00 a month with free US Ground Shipping.

Always having a passion for fashion and cosmetics, Grundman had a career in E-commerce and PR before the start of Beyond Her Blush. Being around her family and having the ability to work at all hours of the day, along with saving money on inventory storage costs, are Grundman’s favorite aspects about working from home.

As a fresh company, Beyond Her Blush continues to promote itself through social media and word of mouth. By posting pictures of the box, the products included, introducing the theme of the month, and the month’s celebrity stylists, social media is a huge part of the company’s marketing plan. Primary customers are women aged 18-35 who love keeping up on the latest beauty trends.

In three years, the brand hopes to expand their selections of beauty products and to

Michelle Grundman is the founder of Beyond her Blush, a beauty subscription box service that delivers trendy looks to customers’ doorsteps every month.

partner with popular celebrity stylists who have huge followings and influences on the beauty world, so their products can be seen on runways and in fashion magazines that inspire women around the globe. Grundman also sees charities in the future of Beyond Her Blush. Curating a box and teaming up with brands to help others in need while introducing some of the best products to the world would be her dream come true.

Visit www.beyondherblush.com.

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Cashing in with Litter Man Marks 35 Years with a Low-Cost Home-Based Business

By Sherilyn Colleen

B

rian Winch has been cleaning up since 1981; he cleans up litter outside commercial properties such as shopping plazas. His business meets the needs of clients who appreciate a litter-free environment but don’t know where to turn to for service.

Winch was working as a shipping clerk at a sporting goods store in 1981 when he decided he would like to start his own business. His options were few with only a high school education and limited finances. He just needed to find the right opportunity.

Inspiration for his business came from his father Joe, who was a school janitor. His dad picked up jobs on the side to help supplement the family’s income, and he sometimes took his children along with him as “little helpers”.

“I remembered my father used to make extra money cleaning up litter from a neighborhood shopping plaza. All he had to do was walk around the property and clean up any litter from the sidewalks, parking lot and landscape before the stores opened the next

day. It was almost as easy as going for a walk in the park!” explains Winch.

Winch started part time so the work would not interfere with his job. After two months of making more money than his full-time job, he quit that job to focus on his small homebased business. “You don’t need expensive equipment or rented business space,” claims Winch. “Just a broom and litter collection tool and you’re in business.”

Winch contracts his service with property management companies. He services retail, office and warehouse properties on almost a daily basis. Most of his business comes from referrals.

“I started my business for about $200 35 years ago,” Winch says. “I’ve turned that initial investment into a $650,000-a-year business, and it’s provided me with a great life.” Rather than instant riches, Winch believes in simpler businesses that lack the outrageous wealth claims.

Brian Winch is the founder and owner of Cleanlots, a “green” litter cleanup service for commercial properties.

The entrepreneur is also teaching others to replicate his success. His website offers his book Cleanlots along with free support.

“I’m about 10 years from retirement,” Winch shares. “I think a great legacy would be to instruct other people without deep pockets or advanced education but with a drive and determination to succeed on how to start a litter cleanup business of their own.” Visit www.cleanlots.com/e-book-sample-pages. html and www.cleanlots.com.

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BUSINESSES & OPPORTUNITIES

Becoming Truly Innovative A Family Value

By Robert J. Holton

F

or a firm to become truly innovative, Gary Hamel and Nancy Tennant suggest in their recent Harvard Business Review article all employees should be taught to think like innovators. In this view, explained in a previous blog, innovation is not the exclusive purview of a few creative geniuses, but stems from an environment which percolates and cherishes innovative thinking.

Hamel and Tennant offer four specific ways to encourage the pre-requisite thinking. An unrelated article by Morton Bennedsen and Nicolai Foss in the California Management Review attempts to draw links between family assets and firm innovation based on extensive historic examples from around the world. The overlap between the two articles is striking and suggests family-owned firms, when managed successfully, may be the perfect laboratory to teach innovation to the next generation.

“Access to knowledge and capital allow for greater diversification and ultimately cross-pollination of ideas within a family.”

Challenging Orthodoxies

and use external consultants to challenge accepted norms within the firm.

Leveraging Embedded Competencies When family history and public identity are positively associated with brand and product reputation, there may be further opportunities to leverage family identity. Brand extension and Family-owned firms, when managed successfully, market growth can be aided may be the perfect laboratory to teach innovation by a family name in ways to the next generation. a non-family brand name cannot. As an example, Apple may be able to expand into other identity. Access to knowledge and capital technological markets related to computing allow for greater diversification and ultimately and mobility, but the brand identity may not cross-pollination of ideas within a family. The extend much beyond closely related indus- Rothschilds famously utilized their network tries. In contrast, the Kohler family isn’t exclusively tied to the kitchen and bath accessories When family history and public industry which generated their wealth. They identity are positively associated have effectively extended their family name to with brand and product reputation, encompass a luxury resort and championship there may be further opportunities to golf courses. The name now carries status leverage family identity. and business success, which can be leveraged across industries.

The family name can also be leveraged of operations on different continents to amass in networking and investment circles for one of the largest fortunes in Europe. They means beyond the firm, and allow the family were able to open doors that simply aren’t to extend their ventures outside a primary open for everyone because they effectively used the power of their name while sharing new ideas and information across different ventures. The Rothschilds highlight how the power of a family name can carry more legitimacy and be more powerful than brand recognition.

“

Families as a social system operate under a different set of constraints and expectations than a business, balancing issues of respect, appreciation, obligation, and loyalty in very different ways than a standard employment relationship. In many cases, family identity and family loyalty bind the family to the firm with bonds of commitment and stewardship which may incline the family to hold the firm for generations. Over that period of time, market forces demand innovation to ensure survival.

Bennedsen and Foss suggest this concentrates families’ attention and energy to removing roadblocks to innovation. They share three historically successful approaches: invite young family members to try out new ideas, Innovation is not the exclusive purview of a few creative invest through a family investgeniuses, but stems from an environment which percolates ment fund which provides an independent source of funding, and cherishes innovative thinking.

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Unarticulated Needs and Underappreciated Trends When a family internalizes the entrepreneurial spirit, an entire set of behaviors encourages innovation including alertness to opportunities and willingness to implement them. Entrepreneurship as Continued on page 30

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A+ Rating

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29_HBM0816.indd 29

5/31/16 8:51 PM

BUSINESSES & OPPORTUNITIES

Becoming Truly Innovative Continued from page 28

A parent demonstrating the value of innovation and entrepreneurship may cause children to re-calibrate the risk/reward relationship in favor of taking chances. family identity is bolstered through the family story and the role-modeling from parent to child. A fascinating study found parental entrepreneurship increased the probability of children’s entrepreneurship by about 60%! The paper suggests the mechanism driving this is role-modeling, rather than education, access, or financial advantages. A parent demonstrating the value of innovation and entrepreneurship may cause children to re-calibrate the risk/reward relationship in favor of taking chances. This makes the family a unique mechanism for generating innovation in

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family-owned firms.

Generational shifts in attitudes toward technological advances may yield new insights into previously unconsidered consumer needs or new ways to deliver on those needs due to technology trends. The speed of global inter-connected communication may yield new and exciting ways to deliver consumer needs, and younger generations may have a better understanding on how to utilize new technology. An in-house incubator or a stand-alone family private equity fund may help capitalize on these insights for the mutual financial benefit of the family. This creates a virtuous cycle, not only reinforcing the family identity as innovators, but also providing additional capital to finance further ventures.

This has even been shown to be an effective model in generating new and useful ideas.

Becoming Truly Innovative Innovation is critical to the long-term survival of any organization, but a family-owned firm may have some inherent advantages in becoming truly innovative.

When recognized and leveraged properly, the family assets extend beyond financial resources. Mentoring and role-modeling from one generation to the next provides space and opportunity for the creation of new and useful ideas. Family reputation and family story create external and internal motivations, respectively, for a tradition of entrepreneurship based on innovation.

Though families may face unique challenges in emotional and relationship dynamics, if those are properly managed, family-owned firms hold great potential to develop new ideas and build a lasting family legacy — a family legacy of innovation.

Robert J. Holton is the Vice President of Private Client Group at Cleary Gull. For more information, visit www.clearygull.com.

www.homebusinessmag.com

6/1/16 12:46 PM

Finding Your Way When the Ford Motor Company was facing financial difficulties around the time of the Great Recession, Dr. Willie Jolley was one of the men credited with helping it avoid a financial bailout and turning the company around. For the many small business owners and entrepreneurs who might be struggling to find their way, Jolley, who is author of Turn Setbacks into Greenbacks, and is known as “American’s Comeback King,” offers this advice: • Stop commiserating! People who sit around and commiserate are the people who would rather complain about problems than do anything to fix them. We can complain about the dark or we can light a candle and be a light in a dark world. The choice is yours. Business is tough and doing it on your own is hard work. No matter where you are though, commiserating isn’t going to help.

• Don’t let your pride poison your prosperity: Some people feel that some work is beneath them, and it would bring a stigma to them if people knew they were doing supposedly “demeaning” work, yet they are struggling to pay their bills. Stop

trying to put up a facade of success and get real. Any work that is moral and legal is honorable. The fact that you are taking a shot at the American dream and entrepreneurship is commendable and honorable. Never be embarrassed about that.

• Stretch your financial goals this year: If you’re an entrepreneur and you’re thinking small, you’re never going to make it. Start thinking about success in an uncommon way. Start thinking about making it big. Start dreaming about your bank account full of greenbacks. Thinking big is the only way to think in business.

• Stop waiting for your ship to come in: There are two types of entrepreneurs: those who sit around and those who have an action mentality and make it happen. Success is never going to find you on its own. If you want to build a thriving business and a strong financial cushion for yourself and your family, take action and get to work. Build that ship because no one else is going to build it for you.

Start thinking like the CEO of Y.O.U, Inc.

• Keep trying: When faced with a challenging time in business, people will say, “I’ve tried everything.” When I ask them if they have tried this or that, typically they will say, “No, I never thought about that.” Grab a pen and paper and list all the things you can come up with. After you have exhausted your own thinking, ask other people in your network.

Trust me, you haven’t thought of everything.

• Speak positivity into your business: Even when things have hit a rough spot or business is slow, you must speak positivity into your business and your life because your language has a direct impact on your mindset and on the way life will respond to your situation. For instance, never say, “I am desperate for work and I’m never going to make it.” Instead, say, “I am an expert and very good at what I do; I do occasionally have some challenges, but so does everyone and they are always temporary.”

What you speak is what you attract.

For more information, visit www.williejolley.com.

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BUSINESSES & OPPORTUNITIES

Power Prospecting for Aces Win the Network Marketing Game with a Handful of “Aces”

By Dr. Joe Rubino

N

etwork marketing certainly is the “People’s Franchise.” The opportunity to succeed in our industry is open to all players regardless of educational, social or economic background. In fact, anyone can be a winner in our business.

And the surest way to win the network marketing game is with a handful of “Aces”. In addition to offering the opportunity to everyone we meet, we want to be on the lookout for those business-building leaders we’re calling “Aces.” Here’s what they look like.

AUTHORITY FIGURES These are people who have influence over others. It’s not just that these people have their own circles of influence, Aces are centers of influence — men and women who are looked up to in the community or business organization. A positive recommendation from such a person carries a lot of weight.

CREDIBILITY We all have varying degrees of credibility with our peers. If our friends and associates value our opinion, we can expect to have our personal recommendation well received by them. Whether it’s a good book, a great restaurant, or a visible opportunity to secure a future residual income, having credibility with people puts persuasive power at such a person’s disposal.

ENTHUSIASM There’s just no substitute for enthusiasm that “I Am Sold Myself” (IASM) quality that makes people irresistible to others.

Enthusiastic people have a contagious quality as well. It seems that the people around them catch whatever it is they’ve got. Enthusiastic people are not always Aces, but Aces are always enthusiastic people.

SUCCESS A person who has developed success in any one area of life generally has formed positive habits that will contribute to creating success in other areas. Again, anyone can succeed in network marketing — but most successful leaders already know how empowering others leads to even more success. They make perfect Aces for your business.

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There are other qualities that define network marketing Aces: Action, Commitment, Excellence, and Service are favorites When you can partner with others and show them how to of ours. The glue that holds have the same winning hand, you’re a master of the network all of these characteristics marketing game. together is belief — the unshakable conviction that We define power as the ability to bring success is inevitable. This means not only into existence with velocity that which didn’t belief in the products and the company, but exist before. Everyone has this potential to be also belief in yourself — a belief that you are powerful, it’s not magic. It’s simply the ability successful. When your self-image is bigger to take Action. than your current reality, that translates into the kind of self-motivation that generates The only way to fail in network marketing powerful accomplishment.

— or in life, for that matter — is to fail to take Action. And the truth is, any action will do.

This “Bias for Action” is something every Ace Enthusiastic people are possesses.

“

not always Aces, but Aces are always enthusiastic people.

”

If you knew for a fact that everyone you prospected would earn at least $1000 per month — guaranteed — that empowering belief would translate directly into positive action. There would be no hesitation on your part. You’d prospect everyone you met!

And guess what? Everyone you prospect can earn $1000 a month in network marketing. All they need to do is get into Action.

HAVING A BIAS FOR ACTION Taking Action is what makes the difference between success and failure. The ability to take Action is true power.

“ Again, anyone can succeed in network marketing — but most successful leaders already know how empowering others leads to even more success. They make perfect Aces for your business.

The Key Business-Building Action Is Sorting We define “sorting” as a quality conversation in which you show your prospect the Action Plan for building the business. You may need to prospect five or more people to have one person engage fully in this conversation.

With this in mind, a “Single daily Action” of sorting one person a day for 150 days — just five months — will result in having all the Aces you need to build a successful organization.

When you’ve got a handful of Aces, you’re a winner. When you can partner with others and show them how to have the same winning hand, you’re a master of the network marketing game.

Dr. Joe Rubino has dedicated his life to supporting others to succeed. He is the author of 12 best-selling books available in 23 languages and in 58 countries. 5 of these best-selling books teach people how to create $1 Million + incomes!

He has created 4 multi-million dollar businesses over the past three decades.

His company “The Center for Personal Reinvention” certifies coaches in 7 different areas including business coaches and abundance coaches. He was a top distributor in one network marketing company for 23 years — earning millions in residual income, before joining his current company where his team is among the fastest growing teams in a $1 Billion/year sales company.

You can reach him at drjrubino@cprsuccess.com and learn about his books and programs at www.CenterForPersonalReinvention.com.

”

www.homebusinessmag.com

5/31/16 7:04 PM

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.

10/13/15 3/29/16 5/31/16 2:45 8:53 5:04 PM

MARKETING & SALES

7 Ways to Improve Your Non-Verbal Selling Skills Your Body Language Sends Wordless Cues Long Before You Try To Close a Sale

By Bob Phibbs

T

he more you understand about what your body is saying—oftentimes without our knowledge — the more you can see how often it gets in your way. And that is especially true when you are in a sales situation. That is because oftentimes our bodies communicate fear — and fear makes people look away. Fear can cause you to lose your temper, or silence your own voice when it needs to be heard.

Most of all, fear keeps strangers at arm’s length. That’s because 55% of our language to communicate with another person is non-verbal. Our bodies can sense bad vibrations long before someone’s words arrive.

So now think about a time you felt devalued by someone. Picture what their body position was. Now picture your own body’s reaction.

I’ll bet you averted your eyes and you slumped your shoulders. You might even have curled your toes inside your shoes.

Now think what it would feel like to be served by someone whose shoulders were slumped, who didn’t meet your eyes, whose arms were crossed.

Would you feel engaged by them? Of course not!

His body was telling you he wasn’t being authentic. His non-verbal cues made it hard for you to trust them.

Most people don’t even realize when their bodies are communicating, so the first thing to do is to simply notice your body position.

Once you’re aware of your own body communication, you want to be a student of your customer’s body communication, too.

■

Do you cross your arms unconsciously?

■

Do you leave your arms down like a corpse when you talk to someone?

■

Do your shoulders slouch most of the time?

Those unconscious habits won’t bring customers to you. In fact, they are communicating your unease to them. When you have a whole crew of people doing that, the energy in your entire business turns toxic. It makes customers walk out saying to themselves, “Something just didn’t feel right about that place.” The following are 7 ways to improve your non-verbal selling skills: 1. Lift the sternum (that’s the flat bone at the front center of your chest). This allows more oxygen into the lungs. A good image to maintain is that of a string pulling your posture up from your sternum. This allows your shoulders to become more relaxed when engaging strangers.

2. Lean forward (but just a bit). Yes it’s subtle, but it keeps you from leaning backward, which shows a negative attitude.

3. Smile. A smile is your best tool to get someone to like you, and when you don’t smile, it’s the quickest way to turn someone off.

55% of our language to communicate with another person is non-verbal.

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4. Meet their eyes. We like people who look at us. Too much eye contact and it can feel threatening, but too little and you

come off insincere. Yes, this is a balancing act to practice.

5. Gesture. Point directly at a feature and look at it with the customer. They will follow your gesture, and so will their eyes as you describe the benefit. Use an open hand or two fingers together, it’s perceived as more open and friendly.

“ Most people don’t even realize when their bodies are communicating, so the first thing to do is to simply notice your body position.

”

6. Arms open. Hold your arms open and loose to show a welcoming attitude.

Arms folded over your chest indicate you are unsympathetic, authoritative, and at some level, you are closing yourself off from the other person.

7. Stand side-by-side not faceto-face. When you present merchandise standing by your shopper’s side, it is non-threatening. This allows you to do a sideways lean, which is friendly and non-threatening.

An old-school tip says to mirror your customer’s body posture. For example, if they use their hands a lot, you mirror that. If their arms are open, so are yours. If the customer Continued on page 36

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MARKETING & SALES

7 Ways to Improve Your Non-Verbal Selling Skills Continued from page 34

suddenly crosses their legs and arms, you donâ&#x20AC;&#x2122;t want to mirror that. Their body is telling you they are closed off. You donâ&#x20AC;&#x2122;t want yours to say the same thing! You need to maintain an open stance and see what you said or did to close them off. Addressing it with something like,

â&#x20AC;&#x153; An old-school tip says to mirror your customerâ&#x20AC;&#x2122;s body posture.

â&#x20AC;?

â&#x20AC;&#x153;Did I just say something to put you off?â&#x20AC;? is a good way to bring them back.

Yes it takes practice, but once youâ&#x20AC;&#x2122;re aware of your own body communication, you want to be a student of your customerâ&#x20AC;&#x2122;s body communication, too. Body posture is something rarely talked about in selling because it is assumed that if an employee is standing upright, thatâ&#x20AC;&#x2122;s all they need to do. But thereâ&#x20AC;&#x2122;s much more to it.

Begin by noticing your own behavior. In what situations do you lose your voice? At that moment, what does your body look like?

When youâ&#x20AC;&#x2122;re about to close the sale, how does your body look? When do you notice your

The more you master your body communication, the easier it will be to master your verbal communication.

breath becoming shallow? When do you take a step back from a customer?

The more you can choose your body posture, the more youâ&#x20AC;&#x2122;ll find you can also choose your attitude. Your body is just like the car you have to drive. If you arenâ&#x20AC;&#x2122;t choosing the direction and checking the instruments, youâ&#x20AC;&#x2122;ll often be taken to a place you didnâ&#x20AC;&#x2122;t want to be.

And while you might still be afraid at some level when engaging a stranger, when you use these tips, you act as if you arenâ&#x20AC;&#x2122;t afraid

which allows you to place the fog of fear in the background. The more you master your body communication, the easier it will be to master your verbal communication.

Bob Phibbs is the CEO of The Retail Doctor, a New York consultancy.

As a speaker, sales consultant and author of The Retail Doctorâ&#x20AC;&#x2122;s Guide to Growing Your Business, Bob has helped thousands of businesses since 1994. With over thirty yearsâ&#x20AC;&#x2122; experience beginning in the trenches of retail and extending to senior management positions, his presentations are designed to provide practical information in a fun and memorable format. For more information on Bob, please visit www.RetailDoc.com.

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10 Best Offline Advertising Methods for Affiliate Marketing

By Frank O’Hara Affiliate marketing is one of the best ways to earn money online, but online promotion can be a struggle, especially with so much competition from other marketers. If you’re trying to promote affiliate products but aren’t getting much success, it may be time to use some offline marketing strategies to maximize your profits. Following are some of the most common and effective ways to promote affiliate products offline.

1. Business Cards It’s one of the oldest methods of promotion, but business cards still have a place in today’s digital world. Use a URL shortening service such as tinyurl.com or shorturl. comto simplify the web address.

2. Posters Printing posters that feature your URL is relatively cheap. You can even print them at home if you have a good enough printer.

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3. Become a Member of a Local Business Association Check with your local Chamber of Commerce to learn more about local organizations for businesses.

4. Use Classified Ads in Local Newspapers Classified ads in local newspapers have a wider audience than many online classified ad websites.

5. Writing and Publishing Articles Approach local trade publications or national magazines connected to your niche business and offer to write an informative article based around your product or service.

6. Flyers If you’re distributing flyers, try to ensure they look professional and attractive.

7. Promotional Merchandise Make sure all of your offline marketing materials feature the specific URL you want to drive traffic to. The promotional items can include t-shirts, coffee mugs, mouse pads, bags, umbrellas, and stationery.

8. QR Code Campaigns QR codes — the black-and-white codes that people can scan with their smartphones —make it easier for consumers to check out your site, as people don’t have to type in a URL. 9. Your Car A small sticker placed in a prominent position on your car with a few words and your URL is all it takes to attract potential customers.

10. Talk to People Spread the word about your product, and more people will talk about your product and recommend it to others.

The more people you can drive to your URL, the more affiliate sales you’ll make.

Just remember to track the results of each offline advertising method you use. This way, you can determine which methods give you the best return on your investment.

Frank O’Hara is a freelance business writer and webmaster.

Visit his website which shows you a wide variety of internet marketing strategies at http://oharapublishing.tripod.com.

July/August 2016 | Home Business

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SUCCESS STORIES

Back in the Filtering Game Entrepreneur Drawn by the Siren Call of the Startup

By Shane Kenny

I

love the fast-paced, see-my-work-havea-big-impact nature of a new startup. I love it so much that, since middle school, I have been part of starting eight businesses.

Admittedly, they have not all been successful.

Some have been spectacular failures. Despite this, I have been drawn by the siren call of the startup once again. I am now neck-deep in Startup No. 9, FilterSnap.

In 1999, my brother Aaron and I started InternetSafety.com. That was right at the peak of what some would later call the “dotbomb era”. It seemed as though venture capitalists were throwing money at any Internet idea they could find – no business plan required.

We wanted in.

Our idea was to build a dial-up Internet service to compete with AOL, MindSpring and EarthLink. Our difference was that we included an Internet filter so that parents could control the type of content their kids could access while online.

It was a great idea. There was just one problem. Soon after we launched, dial-up began its slow, miserable death at the hands of broadband. We had to pivot if we were going to survive. In a flash of brilliance, we took our dial-up filter technology and built a software product that would run on any computer regardless of its Internet connection type.

We didn’t know it at the time, but we had just saved our business.

We called this new product Safe Eyes. We had no experience in running an Internet filtering software business, but this didn’t concern us. We put our heads down, worked hard, and learned as we went. It worked. In June of 2005 while on vacation with my wife, I received a call from my brother. Safe Eyes had been named the #1 parental control product out of 11 products tested by Consumer Reports.

This rating put Safe Eyes on the map. We had beaten out products from Microsoft, AOL

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and Symantec. The best part was that it was a blind review. We didn’t even know they were doing it.

The next five years were a whirlwind. We hired a CEO to help us build the business. We received a venture capital investment. We did proj- Shane Kenny is the founder of FilterSnap, a service that ects with the Australian delivers air filters to consumers’ homes on a regular schedule Federal Government and to ensure timely replacement.

McAfee. Our little business grew from four employees to over 30.

The result was FilterSnap. The idea grew In 2010, the “we did it” moment arrived. from my own struggle to remember to change We received an offer from McAfee to acquire my home’s air filters every three months. I our 11-year-old company. After months of due figured other people had the same problem diligence and reviewing hundreds of pages and came up with a plan to build a service of contracts, McAfee acquired InternetSafety. that would send me my filters when it was com for over $10 million on December 2, time to change them. The arrival of the box 2010. would be my reminder, and I would avoid the frustration of going to the store only to realize I could not remember which filter size I needed. It would be like Dollar Shave Club, We are still very much but for my house.

“

in the startup phase. But I am back in that fast-paced, see-my-work-have-a-bigimpact startup mode and loving every minute of it.

”

After the acquisition, I managed the Safe Eyes team at McAfee for two years. In the end, they laid off my entire team. I had been planning to leave anyway. They just made the decision for me before I had a chance to make it. I took a few months off to travel, play golf, and generally live as if I was retired. I quickly became bored so I started doing some consulting work. This helped with the boredom, but it also started feeding my desire to start something of my own again.

Officially launched in November 2014, FilterSnap offers 72 filter sizes and a choice of 1, 2, 3, 6 or 12-month replacement schedules. The service helps customers save money because clean filters use less energy and help avert costly repairs. We are still very much in the startup phase. But I am back in that fast-paced, see-my-work-have-a-big-impact startup mode and loving every minute of it.

I’m not sure where this journey will end.

Some days I think that Startup No. 9 will be my last. Others, I think, “Who am I kidding?”

This time next year or the year after, I might be working on No. 10 and just as exhilarated by the ride as I’ve been since I first felt the thrill of starting my own business back in middle school. Visit www.filtersnap.com.

www.homebusinessmag.com

5/31/16 7:27 PM

AAJudgment JudgmentRecovery Recovery Business Business isis Hot and andininDemand.

Demand.Here’s Here’show how to to start start your your own... own...

HH

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.

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Christina Smiley Smiley

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Health and Wellness Tips for the Home-Based Worker HOME OFFICE

Stay Motivated, Focused, and Healthful Whilst Working From Home

By Rachel Craig

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orking from home is the dream for many people, but it’s incredibly easy to lose motivation and fall into an unproductive and unhealthy routine. With no one looking over your shoulder, the television and fridge can devilish distractions. Heck, sometimes there’s an overwhelming notion to clean the entire house, even though it’s the last thing you’d be excited to do at any other time in your life.

So how does one stay motivated, focused, and healthful whilst working from home?

Firstly, a good motivation is to remember you’ll have no money if you don’t work.

Secondly, introduce these simple, effective strategies and you’ll set yourself on the right track for a more productive and enjoyable working day.

Create a Routine This is one of the most important strategies that must not be overlooked. Without a routine, very few people can function at an optimal level. Free styling is a gift that most of us will never understand or achieve, sadly.

Try to get a decent amount of sleep by going to bed and getting up at same time each weekday. Write down your plan for the day and stick to it. It’s amazing what you can achieve by simply writing things down and making a physical to-do list. It will help you to prioritize tasks, organize your overactive mind, and spur creativity.

to repetitive strain injury in the wrists; and it decreases blood circulation in the legs, which can lead to deep vein thrombosis and various veins.

To combat these issues, you need to do some desk exercises. Stand up and stretch regularly, and introduce some simple leg and arm movements.

It’s so easy to get caught up in work and forget to take a break, but you’ll get more done if you stop working at regular intervals.

Take Regular Breaks and Get Some Fresh Air It’s so easy to get caught up in work and forget to take a break, but you’ll get more done if you stop working at regular intervals. Ideally you should take a break every 90 minutes to 2 hours. Force yourself to go outside for a quick walk, do a spot of yoga or some simple stretches, or even just make yourself a coffee and listen to the radio for 10 minutes. The important thing is to remove yourself from your work for regular, short intervals to give your eyes and head a rest.

Eat Healthy Healthy food and snacks throughout the day can transform your productivity immensely.

Switch the crisps and chocolate for nuts, seeds, fruit, and whole food energy bars. Most of us

Get Showered and Dressed One of the worst ways to start your home-working day is to skip the shower and stay in your pajamas. Taking a shower can do untold wonders when you’re feeling sluggish and unmotivated. And whilst it’s important to be comfortable, try to wear something that helps you to get into the right frame of mind for work.

Do Desk Exercises There’s a tendency for those of us who work at a desk to stay put for hours on end. This is this incredibly unhealthy for so many reasons.

It weakens the core; it creates tension in the neck, shoulders, back and hips; it can lead 40

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Without sufficient hydration, your brain will not function properly and you’ll tire more easily.

don’t have time for a long, leisurely lunch, but it’s important to at least schedule a small break to refuel with a healthy snack.

“ It’s amazing what you can achieve by simply writing things down and making a physical to-do list.

”

Drink Plenty of Water Drinking water is something that many of us actually have to remind ourselves to do, which is crazy. But we get so caught up in what we’re doing and often mistake thirst for hunger. Coffee does not count, unfortunately!

Without sufficient hydration, your brain will not function properly and you’ll tire more easily.

Invest in a Desk and Good Office Chair This is an added expense that not everyone can afford. But if you can, please do so. You could even get away with just an ergonomic office chair if you can work at the kitchen table. If you’re sitting down for most of the day, a quality chair will support your posture (as long as you stop slouching), reduce the risk of back and neck pain, and relieve pressure on your hips and derrière. Generally, you’ll find it Continued on page 42

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Health and Wellness Tips for the Home-Based Worker Continued from page 40

much more comfortable, and this will boost your productivity.

and monotony of working from home. You will have to get up and out for regular walks with the dog in the fresh air; however, this will boost your serotonin, get the circulation going, and keep you active.

Use an Artificial Daylight Lamp These lamps can address low energy levels, fatigue, and feelings of irritability and depression, particularly during the dark winter months. By recreating the look of sunlight, an artificial daylight lamp can increase the production of melanin in our brains and revitalize our mood.

“ One of the worst ways to start your homeworking day is to skip the shower and stay in your pajamas.

”

Set Boundaries Setting clear boundaries between work life and home life is key to achieving a healthy balance. There can be a tendency for home-workers to just keep on working throughout the day and night. Whilst this is sometimes necessary to meet a deadline, it is not acceptable on a regular basis.

Setting clear boundaries between work life and home life is key to achieving a healthy balance.

On the other hand, friends and family often assume you’re free to chat or meet up at any time. To combat these potential issues, set your working hours and stick to them as much as possible, arrange a dedicated workspace in the home (i.e. not your bed or sofa), don’t take personal calls when you’re working, and communicate to friends and family when you are and are not available.

Q. Should I opt for nursing-home or inhome care insurance?

A. When selecting insurance plans, protect against your worst risk first. In-home care is more about maintenance, while care outside the home is focused on crises. Home care is good for when a person needs help getting around. If he has a stroke, he’d need to be cared for outside the home initially, so there is a need for both.

Q. What should I select as my daily

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Health and Wellness Links to Check Out How making lists can quell anxiety and breed creativity: www.psychologytoday.com/blog/thecreativity-cure/201403/how-making-listscan-quell-anxiety-and-breed-creativity 10 exercises you can do at your desk: time.com/4019563/exercise-work-desk/

Adopt a Dog This is not an option for all, but it’s great for improving your organizational skills, fitness, and general wellbeing. A dog is also hugely beneficial for relieving the isolation

Planning for Long-Term Health Care?

Thanks to Baby Boomers and modern medical marvels, more Americans than ever are heading into their senior years, and will also soon be deciding how to handle their eldercare. Steve Casto, Retirement Income Specialist and author of Is Your Retirement Headed in the Right Direction?, (www.stevecasto.com), says there are important questions and answers to consider before making that critical decision:

Rachel Craig is a digital content writer and editor at Quality Formations, specializing in company formation and regulatory compliance, business start-up advice and healthful living. Splitting her time between a shared office and home office, she has extensive personal experience of the benefits and challenges faced by the home-based worker. Through many a trial and error, Rachel has discovered an effective strategy for optimal health and a successful work-life balance. Email: startups@qualityformations.co.uk or visit www.qualityformations.co.uk.

Energy protein bars you can make at home: greatist.com/eat/diy-energy-protein-barrecipes

typical elimination period is 90 days, which means you are responsible for covering the first 90 days of care on your own. Most people believe that Medicare covers the first 90 days, which is dead wrong. It only covers it under certain conditions, and not all patients meet those conditions, which include: • A nursing home stay that follows a three-day hospital stay

allowance?

A. If your health deteriorates, a daily allowance of $100 per day could cover all your care outside the home, but only a third of the care inside the home. Your home-care costs could rocket to more than $400 or more per day, so plan for the worst.

• Admission to a nursing home within 30 days of hospital discharge • A Medicare-certified nursing home • Physician-certified need for skilled care on a daily basis Your best bet is to be insured through a long-term care policy for that first 90 days.

Q. What is an elimination period?

A. Sometimes referred to as the “waiting” or “qualifying” period, this refers to the length of time between the beginning of an injury or illness and receiving benefit payments from an insurer. With long-term care, the

Steve Casto is founder and president of Strategic Wealth Solutions, Inc. an Omaha, Neb.-based financial firm that manages money for investors in the Midwest. Steve helps clients reduce their tax bill, minimize their risk, and ensure they don’t outlive their money. He’s the author of Is Your Retirement Heading in the Right Direction? and he offers presentations on how to increase income while reducing taxes.

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SUCCESS STORIES

Family Bonded by Charms 7 Charming Sisters Offer Unique Pieces from Their Online Jewelry Boutique

By Alexandra Valdes

A

fter working together for 10-15 years, a group of passionate females decided to utilize each woman’s different strengths to launch an online jewelry boutique, 7 Charming Sisters. The 7 ‘work sisters’ all bring something unique to the table, seen in the brand’s seven collections. Each collection offers a variety of styles and trends in necklaces, rings, bracelets, and earrings at an affordable price.

Established in 2015, 7 Charming Sisters is quickly becoming a staple jewelry brand.

Paula, Kimmie, Jennifer, Donalda, Jessica, Melissa, and Kimberly all come from different backgrounds; different ages, styles, religions- basically everything. Synergy and teamwork can be accredited for the success of 7 Charming Sisters. By taking on particular roles such as a finance director or human resource manager, each woman came together to form a business.

7 Charming Sisters offers an interactive

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lifestyle experience for the modern day woman with a sense of style. With primary customers aged 25-45, the brand’s pieces are targeted towards the everyday woman. From the profes- Founders of 7 Charming Sisters (left to right): Donalda, sionals to stay-at-home moms, Jessica, Jennifer, Kimberly, Kimmie, Melissa, Paula working moms, and career-focused millennials, each piece offers a look for any style inspiration, whether receive a portion of the proceeds sold. that style is classy, flirty, or boho. Their seven Almost all of 7 Charming Sisters’ marlines include, “Life of the Party”, “Girl Next keting strategies are digital. The business is Door”, “Social Butterfly”, “Sexy Nerd”, ‘Classy promoted through owned, earned and paid Chick”, “Super Mom”, and” Fashionista”. marketing. The brand relies on paid ads, Founded on the principle of fun, diversity and a feminine vibe, the company is dedicated to employing people with disabilities, as well as providing customers with insights into daily life and behind-the-scenes action of their business. The individuals with disabilities that 7 Charming Sisters employ design custom made pieces that are also found online, marked with designated badges. The designers

social media, email marketing, promotional marketing with influencers and print and online media. In three years, the sisters’ goals are to eventually expand their jewelry sections to fashion accessories, clothing, handbags, and even pet jewelry! They are also looking to form retail partnerships with established retailers down the road. Visit www.7charmingsisters.com.

www.homebusinessmag.com

5/31/16 7:31 PM

An Original Entrepreneur Traveling Locksmith Invents Innovative Padlock and Founds Business

By Rebecca Smith

M

aster Lock was founded by Harry Soref in 1921. As a traveling locksmith, Soref was always improving lock designs and began inventing as well.

In 1919, Soref invented a padlock design that used laminated steel layers to economically produce an exceptionally strong lock body.

After major companies declined to purchase his design, he decided to found his own— Master Lock—which he funded through investment by two of his friends, P.E. Yolles and Sam Stahl. In 1924, Soref was granted the first patent on his laminated lock design and continued to lead his company to become a major manufacturer of locks.

Soref possessed two primary characteristics that demonstrated true entrepreneurism.

First, he created a unique product that was of benefit to the general public, showing that he understood the marketplace. Second, Soref never gave up on his idea. His passion, tenacity and persistence, coupled with

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his determination, paved the pathway to his success.

Master Lock takes security seriously and offers a complete line of security solutions that offer escalating levels of security and cost.

Business owners can choose based on their security needs and budget. Three popular product options are the Extra Large Digital Fire Safe, the New Laser Engraved Lock Box, and the Master Lock Vault.

The company advises entrepreneurs to trust instincts, let passions shine and remember that a “no” is one step closer to a “yes”.

Soref can be considered as an example. As a lock expert, with many years of experience repairing and inventing, Soref knew the needs of the market and focused on innovations to address those needs. And despite hearing “no” from multiple potential buyers, Soref trusted his instincts and leveraged his passion for his ideas to get a “yes” from his investors and friends. Thus began Soref ’s legacy, Master Lock.

Harry Soref is the founder of Master Lock, an American company that develops padlocks, combination locks and related security products.

Carefully evaluating business assets and typical daily operations to pinpoint unique security needs can determine the overall success of a business. If a business has a large volume of product or cash, conducts a lot of business online or has multiple people accessing the home and workspace, these factors can contribute to the security measures taken and which security products can help prevent financial and emotional strife in the event of theft or natural disaster. Visit www.masterlock.com.

July/August 2016 | Home Business

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SUCCESS STORIES

HOME OFFICE

Epson Offers Small Businesses Five Reasons for Choosing a Cartridge-Free Printer

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ith over 28 million unique small businesses in the United States, it is safe to say that all of them want to maximize efficiency to achieve their business goals. Epson is committed to providing solutions that help businesses thrive, and offers a broad portfolio of business printers like its Supertank category of EcoTank™ printers — printers that utilize supersized ink reservoirs instead of ink cartridges, and include up to two years of ink in the box for cartridge-free printing.

Home Business Magazine® tested out the WorkForce ET-4550 EcoTank wireless all-inone printer. The cartridge-free printer came loaded and ready with up to 2 years of ink in the box. That’s an incredible amount of ink — enough to print up to 11,000 black/8,500 color pages, and equivalent to about 50 ink cartridge sets. Powered by PrecisionCore printing technology, the ET-4550 delivers high-speed, laser-quality black text. It also features auto

A cartridge-free printer can be the right choice for a small business. Epson’s EcoTank printers offer high-volume WorkForce ET-4550 EcoTank wireless all-in-one printer printing, convenience, unrestricted color printing, low streamlined and efficient. Cartridge-free TCO, and are stress-free to manage. They can print up to two years’ printers like the EcoTank series offer an worth of ink before they need to be refilled, unbeatable combination of convenience and eliminating the out-of-ink frustration of hav- value, allowing you to focus on achieving busiing to buy ink at the most inconvenient time. ness goals without worrying about back-end With ultra-low cost refills, small businesses no operations. Discover the right cost-effective longer need to curb their color printing. When and efficient printer for your home office at it does come time to purchase new ink, small www.epson.com/printers. businesses can save up to 80 percent on ink Epson’s award-winning EcoTank Supertank printer series features ink replacement technology with super-high-capacity, refillable ink with low-cost replacement bottles. . tanks and ultra low-cost replacement inks. These all-in-one printers Small businesses require office technology solutions that keep their operations

come with enough ink in the box to print for up to two years, so users can print thousands of black and color pages before replacing ink. To learn more, visit www.epson.com/ecotank.

Fruitful Formulations for Hair Hair Expert Turns a Family Tradition into a High-End Beauty Business

By Eliza Osborn

A

long-standing family tradition and a love of hair inspired sisters Jane and Jedi Nyachiro to create Jirano Beauty, a high-end consumer goods business specializing in hair products made for curlyhaired women. Growing up, they remember their mother coming home from the market with all kinds of fruit and transforming the ingredients into amazing formulations for their hair. Their vision was to use their family custom and provide natural hair care solutions using the purest natural products, specifically coconut oil.

The entrepreneurial venture started when Jane was at a regular 9-5 job, where she quickly realized she had an entrepreneurial streak and was soon inspired to start a home-based business. Working in the corporate world, she was trying to figure out what her next move would be, and would not take “no” for an answer. “When my job said “NO”, but my mind and heart said “YES”, I knew it was

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time,” Jane says. She wanted to do the unusual, be creative, and think outside of the box. It was important to her to create something she could call hers and say, “I did this.”

Jirano Beauty is now mainly sold online, particularly because Jane and Jedi wanted their business to be scalable. They also have a number of salons and small chain stores that sell their product. Their primary way of promoting their business is through social media (Facebook, Instagram, and YouTube), friends and connections, and through their PR agency, BPM-PR. Jirano’s primary customers are curly-haired women who are looking for high quality hair products that work to provide texture, health and growth. When asked what is considered their best business achievement, Jane states, “It’s the fruition of an idea for hair products that has become a fully finished, manufactured product line that is now selling in a

Jane Nyachiro is the co-founder of Jirano Beauty, a high-end consumer goods business specializing in hair products made for curly-haired women.

variety of outlets and online.” Jane shares that the primary advantage of working from home is consistent efficiency. It also keeps a low overhead, and gives her the freedom to set her own hours. All in all, Jane’s main goal is to make their business a personal quest to empower their customers and stakeholders by providing the best personal beauty products, while embracing and celebrating ethnic diversity. Visit www.jirano.com. www.homebusinessmag.com

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MONEY CORNER

Money Tips Start a Business Without Sabotaging Your Personal Finances

By Tim Steffen, Director of Financial Planning for Baird

A

mong a growing number of Millennials, there is a real desire to become an entrepreneur, and a belief that starting a business can be a way to attain both independence and wealth. Yet, too many people put their personal finances at risk to launch a business. Tim Steffen, CPA/PFS, CFP®, CPWA®, Director of Financial Planning for Baird, believes it can be done without sabotaging your financial future. He offers the following tips: Delineate between business and personal assets. Set up a limited liability company (LLC) and separate bank account. Not only does this keep a clean line between business assets and your personal or family assets, it can help reduce your personal liability and make tax compliance simpler.

“Consider funding your business with money from outside investors or family members.”

If you tap your savings, leave yourself a cushion. According to the SBA, the number one source of financing for new businesses is personal assets/savings. Most entrepreneurs pour some of their own money into a new business. If the business takes off, that can be a great investment. While you may believe your business will be a sure thing, it’s important to set parameters around how much of your personal savings you’re willing to contribute.

Be careful about using retirement accounts. For many young people, retirement accounts can be some of their only savings, and it can be tempting to use those accounts believing there will be time to replenish them once the business succeeds. Some qualified retirement plans like 401(k)s allow participant to borrow from the account. Keep in mind, however, that you must pay the loan back within a stated timeframe. If you fail to do so, it will be treated as a distribution from your account and will be taxed. In addition, you may face a penalty for early withdrawal.

Tax rules prevent borrowing from an IRA, so any withdrawal from the account will be 48

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considered a taxable distribution, and possibly a penalty as well.

Another technique gaining publicity is called “Rollovers as Business Start-ups” (ROBS), which are arrangements in which business owners use their 401(k), IRA, or other retirement funds to fund a new business without triggering taxes.

While you may believe your business will be a sure thing, it’s important to set parameters around how much of your personal savings you’re willing to contribute.

Don’t build your business on personal debt. Financial planners generally recommend limiting your total monthly debt service payments (including housing and personal debt) to 36% of your monthly gross income.

If you personally borrow money for your business and it fails, you may have to declare personal bankruptcy.

Don’t rely on credit cards if you need to finance the business. Most commercial credit cards charge significantly higher interest rates than other sources of credit such as a business line of credit. In addition, many small businesses owners need to provide a personal guarantee when applying for a business credit card. So even if you’ve kept your business and personal accounts separate, if your business fails, you may be personally responsible for the credit card debt.

“Financial planners generally recommend limiting your total monthly debt service payments to 36% of your monthly gross income.”

Consider funding your business with money from outside investors or family members. While most entrepreneurs don’t want to give away a slice of their dream, it can be a way to avoid taking on personal debt and it may force greater discipline as you will have to report to investors.

Take advantage of small business loans. If you’re a woman or minority investor,

take advantage of special loans that might be available to you.

Don’t forego insurance. Many married entrepreneurs rely on their spouse to provide health insurance coverage for the family, but if that isn’t an option, buy a personal policy. A severe illness or accident while uninsured can devastate your finances. As a business owner, consider any specialized insurance coverage you may need to protect those interests.

Keep a fall back. If you are an attorney, CPA, or other professional, be sure to maintain your license, and give careful consideration to continuing to work full- or part-time while your business is getting started. Once your business does become your full-time pursuit, it’s important to keep up your skills in case you ever wish to return to your old line of work.

Know when to throw in the towel.

Identify goals upfront to define business success, and on the flip side, failure. Once it is clear that the business will not be successful, accept that and move on.

Said Steffen, “When your business does start to take off, be sure to dedicate time to rebuilding your personal finances, if necessary, and working with a team of experts who understand your vision and can help ensure you are on track to meet your goals for the future.”

For more tax and financial planning tips and insights, follow Tim Steffen on Twitter @TimSteffenCPA. Baird is an employee-owned, international wealth management, capital markets, private equity, and asset management firm with offices in the United States, Europe and Asia. Established in 1919, Baird has more than 3,300 associates serving the needs of individual, corporate, institutional and municipal clients. Visit www.rwbaird.com.

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The grandfather in his attempt to explain to his grandson the benefits of investing and receiving compound interest and how the magic of compounding can literally all by itself make anyone with patience and determination wealthy.

He first talked about investing just $1k at a very modest return of only 7% and that $1,000 would double and the investment would return compounded interest compounded daily and in just seven short years that 7% compounded daily interest would turn that $1,000 into $2,000 with no effort on behalf of the investor. The young grandson eager to obtain his own fortune like his grandfather had, was struggling with the concept so...

The grandfather offered this example... "Son" he said, "If I offered you $1,000 in CASH now or just ONE PENNY that would double in value every day - it's compounding, - which would you rather have from me?"

The grandson quickly answered, "Well, of course Grandpa, I'd much rather have the one thousand dollars now! Are you kidding?"

To which the grandfather replied, "All right then, let me tell you what you will be giving up."

"If you invest just one penny today, and every day it doubles in value, in just 20 days it will be worth..."

Do the math with me...

Day 1: 1 penny becomes 2, Day 2: 2 becomes 4, Day 3: 4 becomes 8, Day 4: 8 becomes 16, Day 5: 16 becomes 32, Day 6: 32 becomes 64 cents, Day 7: 64 becomes $1.28, Day 8: $1.28 becomes $2.56, Day 9: $2.56 becomes $5.12, Day 10: $5.12 becomes $10.24, Day 11: $10.24 becomes $20.48, Day 12: $20.48 becomes $40.96, Day 13: $40.96 becomes $81.92, Day 14: $81.92 becomes $163.84, Day 15: $163.84 becomes $327.68, Day 16: $327.68 becomes $655.36, Day 17: $655.36 becomes $1,310.72, Day 18: $1,310.72 becomes $2,621.44 Day 19: $2,621.44 becomes $5,242.88, Day 20: $5,242.88 becomes $10,485.76 $10,485.76! Wow! From just that first penny!

And, that my new friend, and hopeful partner, is the very essence that drives the 2x14 matrix offered at this brand new company that is only $14.95 a month to join.

It is truly amazing.

When you join, you will be joining on my personal team!

And get this: I’m the only person in the world who has put more than 11,000 people, direct signups not downline, into a single network marketing program.

And I’ve done this all through email marketing. I'm even told that I’m the only person in the world to have ever put more than 5,000 people into a network marketing program - and I’ve done that with TWO other programs.

I don't say this to boast, I just want you to know the nature of the people whose team you will be on.

Now I don't expect to do it all myself... Once you join make it your mission, make it your goal to put at least two of your own people - contacts, friends, associates, followers, and of the social media contacts you have...

Just get two, share this story, tell them about the team that you are on, use this letter, found in your back office, and your own link, it really is that simple.

It is an amazing opportunity all about making money in network marketing. I firmly believe in the importance of multiple streams of income and want to show you how you can make this work for you! It has been years since I have been as excited as I am about this - simple but yet eloquent and powerful network

Visit this link to get started immediately!

marketing company and I'm going to get behind it and fold it into all of my sales funnels and marketing activities.

You can stand idly by and watch my team grow, or you can get involved now for only $14.95 and be part of it in a significant way.

Imagine earning money from me and those folks who I sponsor in the form of spillover automatically - it will happen, it has to happen, the system is built that way.

Imagine having $36,351 + change coming in MONTHLY, just as a result in having a full matrix because you read this letter today and sometime and hopefully in the not too distant future you too are there with me.

So whatever you do, don't think of this letter as hype, don't think of this program as some pyramid scheme, don't discount it because it's network marketing. Network marketing is a way for the average man and the average woman who sells a service or product such as this program offers - that is worth it's price despite the fact that commissions are being paid out on it through several levels - to make enormous sums of money for every one.

The internet is full of such stories, this company, I assure you, will add to that list of people who become independently wealthy just because they took action and joined the right team at the right time for a very small investment.

Sincerely,

Mike G

Michael T. Glaspie (Mike G) CEO and Founder, ICANGET2 Net Marketers Call Me Their Secret Weapon

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Copyright © 2016 The ICANetwork

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Co-Working a Company Recovery Force’s Growth Step Between a Home Office and Independent Space

By Sherilyn Colleen

M

att Wyatt, founder and CEO of Recovery Force, is worlds away from where he started his most recent company. Currently working out of one of 13 office suites that Launch Fishers provides in Fishers, Ind., his business has been able to grow with the co-working space and incubator, which just expanded into a new 52,000 square feet space. Recovery Force is now a 14-employee company working closely with the FDA, the United States Patent Office and complex-contract manufacturers half-way around the world in preparation to begin commercializing a suite of products in 2017.

The company makes wearable, active compression technology used by athletes, patients and military personnel. Its products speed the recovery process and help the body perform more effectively by inducing sequential compression: the action stimulates blood flow and extracellular fluids, which reduces muscle pain and fatigue in athletes and reduces risk of blood clots in patients after surgery.

Given the nature of the technology, it’s not surprising that Wyatt’s inspiration for Recovery Force came from experience: observing a cumbersome recovery process after his father’s extensive knee surgery. It didn’t seem conducive to healing, as his father was kept in a fairly immobile position due to connective tubing, unable to sleep due to the noise of a pump and he experienced greater

discomfort due to plastic airbladders called DVT cuffs placed around his feet, calf and thigh.

“I felt that there had to be a better way to support recovery and the healing process,” says Wyatt. He began the process of research and brainstorming for a solution that would be productive in the healing process—and more comfortable.

Since Wyatt had worked in the medical device industry and been involved in four prior startups, he was familiar with what it would take to bring a product to market. The trick was honing in on a technology that would work.

Although Wyatt started the company at home because it was cost effective and convenient, limited space and disruption became an issue. The technical experts vital to his business spent a great deal of time at Wyatt’s home office, which infringed on family life. Home was the intersection of work and family, but it couldn’t effectively serve either role.

“I needed more room and separation between work and home, something I think many entrepreneurs encounter,” says Wyatt. “I also knew that once I validated our technology, I would need engineering equipment—and appropriate office space.”

Recovery Force’s products help the body recover and perform more effectively by inducing sequential compression.

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Matt Wyatt is the founder and CEO of Recovery Force, a company that makes wearable, active compression technology.

Recovery Force landed in an intermediary option, working out of Launch Fishers—a co-working space that also provides closed offices to company members. Recovery Force

was able to save on overhead in this type of space, while still being able to take advantage of meeting and conference rooms, equipment

“Taking risks while embracing humility is often where learning occurs.” and other office necessities as it grew.

There are successes in each step forward for Recovery Force. Wyatt values these milestones, but what he values most is his team.

“I am surrounded by brilliant people who are committed to the same goals,” he explains.

What advice does Wyatt have for first-time entrepreneurs? He advises acting from a place of fearlessness, while being aware of your own imperfections. “Taking risks while embracing humility is often where learning occurs,” he says.

Wyatt has 17 years of executive management and entrepreneurial experience in the medical device industry, for companies that include Johnson and Johnson, Inc; SpineCore, Inc.; and K2M, Inc. He is also the co-founder of Tutela Medicus; Nexxt Spine, LLC and AMB Surgical, LLC. Visit www.recoveryforceusa.com. www.homebusinessmag.com

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Home-Based Millionaires!

Continued from page 19

Illusion is currently on track to generate over one-million dollars of revenue this year.

“I love the countless emails we get from customers telling us how the product has changed their lives and made them feel young again,” Passariello says. He is also using his story to inspire inmates to develop their own business ventures when they are released from prison.

Passariello aims to expand into retail locations around the world within the next three years to make his product even more accessible to those suffering from hair thinning and loss. Visit www.hairillusion.net.

MILLIONAIRE #7 - Fitness Franchise

entered the industry as a personal trainer working in a big box gym. He found that box gym trainers don’t make a lot of money per client, and he had absolutely no clue how to market and sell himself. To keep the lights on, he took up extra jobs like working at Disneyland and working as a bouncer at a bar.

The big switch in Keuilian’s career came when one of his coaching clients pulled him aside and informed him that he was a terrible businessman. Luckily, this guy was happy to share his own experience and wisdom as an entrepreneur in order to teach Keuilian how to market and sell his services. Over the next few years, Keuilian built up Fit Body Boot Camp, his personal training business, and eventually

Entrepreneur Founds Successful Personal Training Business That Offers Franchise Opportunities

After struggling through college, Keuilian

Keuilian was finally living the good life, but he still didn’t feel truly financially secure, and knew that there were plenty of other fitness professionals still struggling to make ends meet. He wanted to give people in his tribe the chance to thrive.

The solution, he discovered, was to take his years of experience as a successful fitness professional and turn that into a series of online info products. Those products now include downloadable and streaming videos, written guides, live and recorded webinars, donefor-you resources, and regularly scheduled coaching calls designed to help fitness professionals build their own thriving businesses from scratch.

For Keuilian, this means he can make money while he sleeps and also help his industry thrive. Keuilian is so happy with the results of his online info products that he has gone on to teach others how to create successful info products!

Bedros Keuilian, founder and CEO of Fit Body Boot Camp

Ever since high school, Bedros Keuilian knew his calling was to work in the fitness industry. He had a unique talent for personal training and loved the confidence that came with a fit, healthy body.

sold five extremely profitable personal training studios.

Bedros Keuilian is the founder and CEO of Fit Body Boot Camp, the world’s fastest growing indoor fitness boot camp franchise.

“The key to success online for the solopreneur is to define their target market, establish their story and how customers can relate, and identify key influencers,” Keuilian

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experiences like this define them,” Stetler says.

“You can recover, find your inner strength, and become stronger than ever.”

MILLIONAIRE #8 - RV Sales

From a young age, the entrepreneur made a promise to herself that she would be a millionaire. “I was inspired when my mother put me on my first pony ride when I was around 2 years old, and my love of horses burned inside of me ever since,” Stetler shares. Her mother always told her that if she wanted horses or designer jeans—or anything more than a hot dog—to get a job. “When I was young, the need for luxury inspired me to get what I wanted,” Stetler says.

Fearless CEO and Entrepreneur Levels the RV Sales Playing Field Gigi Stetler, founder and CEO of RV Sales of Broward

Gigi Stelter may run a massively successful RV Sales company that was grossing $20 million in revenue in 2007, but the rise to the top was far from smooth.

At her first owner’s meeting, she suggested they change the hours of operation to better accommodate customers. They told her to “go home and bake cookies.” Stetler, who owns RV Sales of Broward and a number of other offspring business ventures, pushed forward to outsell and out-service all of her competition.

“I decided to stay at the office and build an empire, while paying someone to bake cookies for me,” she says.

Stetler realized that her male competitors’ refusal to leave their comfort zones could help her gain market dominance. “I eventually came to own a dealership, working 11 years

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Gigi Stetler is the founder and CEO of RV Sales of Broward, an RV sales company in Davie, Florida.

without ever missing a single day,” Stetler says.

“I hustled my way to the top, despite facing gender stereotypes, and became the No. 1 RV dealer on the East Coast.”

Stetler’s life has been lined with abusive and unhealthy relationships. When she was in her early 20s, a crazed homeless man stabbed her 21 times and ran off. As she leapt back from the brink of death, she also dealt with physical and emotional abuse in a relationship. “I want people to know that they don’t have to let

In three years, Stetler sees herself expanding her empire to discover new outlets for entrepreneurship in the RV industry. Visit www.GigiStetler.com.

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SUCCESS STORIES

Power Tools for Women DIY Expert Shares Crafts and Humorous Videos with Audience from Her Garage

By Sherilyn Colleen

M

ichelle Villemaire, the DIY mom on TLC’s new show What She Said, has always been outspoken and ready to share her opinions and creations with the world. Her childhood nickname of “Screaming Mimi” never quite faded away, though the name has always been a term of endearment.

When her second child was born, Villemaire realized blogging would be the perfect medium for her to combine her love of writing, crafting and parenting. Formerly a freelance writer until she became a stayat-home mom, Villemaire had been urged by friends to share her crafts and humorous personal essays online. Today, she’s a successful blogger at HomeMadeMimi.com and is building a fan base for her YouTube channel where she empowers women to use their power tools.

Villemaire has already begun to attract the attention of major brands and shoots DIY

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videos for several channels with large numbers of millennial mom followers. The mompreneur considers herself a true homemaker, as she takes her inspiration from home and family and shoots her videos straight from her garage. She’s excited to continue to build useful and comedic content on her channel, and is working toward a television DIY show.

In the future, she envisions herself creating an online store to sell her modern homemade products.

The crafty businesswoman’s latest project was one of passion: a “yarn bomb” in honor of National Women’s History Month. With help from her community, she and her volunteers crocheted yarn pieces that were wrapped around 33 trees on Monument Street in Los Angeles. Each tree was named after a different woman in American history from Susan B. Anthony to Sally Ride.

After two weeks, the pieces were dismantled and transformed into blankets that were

Michelle Villemaire is the blogger behind HomeMadeMimi.com, a site that shares charming personal anecdotes and DIY craft ideas.

donated to women transitioning out of homelessness. The act of creating a home for herself and her family led Villemaire to this desire to help others find a home for themselves, which she says cannot be done without the support of other women.

“This was a great way to give back and at the same time teach my children the stories of the women who helped shape our country,” Villemaire says. Subscribe to her YouTube channel (HomeMadeMimi) where she posts DIY projects as well as videos to help you take charge of your garage!

Visit www.homemademimi.com.

www.homebusinessmag.com

5/31/16 8:00 PM

Trip to Jamaica Inspires Mechanical Engineer to Design Unconventional Chair

By Laurie Graff

J

ason Lutz had just graduated Ohio State University in 2008 when he headed up to Danville, VT to spend time with his mom. The mechanical engineer major was receiving offers from potential employers, but none had the same entrepreneurial appeal he’d experienced the summer before. Helping a friend construct a house in Jamaica, Lutz had become captivated by the locals’ use of natural resources to create products for exports. The idea of creating a fair trade bamboo furniture company lodged in his brain, he designed a traditional chair with an unconventional seat in bamboo.

Lutz mom owned a cedar stand, the perfect setting for a contemplative retreat. The loggers hired to thin out her stand mistakenly clearcut the land, leaving behind a trail of trunks and branches of young white cedars. While his mom was devastated by the disaster, one man’s trash is another man’s treasure. Substituting

www.homebusinessmag.com

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the white cedar for the bamboo, Lutz chose to try his hand at his Jamaican design. The project paid off. Lutz had reinvented the wheel … or rather, the chair!

Inspired by the idea of a suspended hammock chair, Lutz constructed a traditional chair with an unconventional seat that floated in the frame, attached to the back and suspended from the sides by rope. The result was an uber comfortable outdoor chair that hugs you like a hammock, and conforms to every person’s body type.

world. Fitting family tradition, he and his wife, Sarah Cooke, created the Vermont Cedar Chair Company.

Starting with the New England craft show circuit, Lutz entered and brought his chairs, selling out at the very first one. Elated by his success, his mom revealed that furniture building happened to be in his genes. Pulling out the family photo albums, Lutz learned that generations of his family had owned the Grand Rapids Chair Company (1872-1973), one of the largest furniture companies in the

Operating from a 4,000 square foot facility in Hardwick, VT, all of the white cedar is harvested by hand from stands within a 30-mile radius of Hardwick. As “waste not” is the company’s sustainable mantra, only trees with a trunk diameter of four inches or less are felled. This thinning process allows for the larger trees to fully mature.

Visit www.vermontchairs.com.

Jason Lutz is the founder of the Vermont Cedar Chair Company, a furniture design company specializing in ecologically responsible products.

July/August 2016 | Home Business

®

SUCCESS STORIES

New and Improved Hammock

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â&#x20AC;&#x153;At the end of the day, you just have to give it your all, put your heart into it, put everything on the line, and see what happens. Thatâ&#x20AC;&#x2122;s how I approach everything, anyway.â&#x20AC;? â&#x20AC;&#x201C; Jennifer Lopez us, has the industry changed? Are we seeing much more progress than we have?

JL: I think so, and I think itâ&#x20AC;&#x2122;s been coming for many years. I think thereâ&#x20AC;&#x2122;s just no denying what society is right now and all of the different things, and itâ&#x20AC;&#x2122;s just not race, but itâ&#x20AC;&#x2122;s also gender. All different types of diversity are being showcased. Thereâ&#x20AC;&#x2122;s even been more of a shift in the past year or so. I think thereâ&#x20AC;&#x2122;s just no getting away from it anymore. Television has always been great at reflecting society since way back â&#x20AC;&#x201D; pushing the boundaries of whatâ&#x20AC;&#x2122;s happening in life, and I think itâ&#x20AC;&#x2122;s no different right now.

Q: Did you decide to film the episodes before you started doing AMERICAN IDOL auditions, or did you have to run off to do AMERICAN IDOL auditions?

JL: We knew that I would have to start 56

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ÂŽ

doing the auditions while we were filming the show, so I would go on weekends to film IDOL. It was challenging. It was hard, but we got through it, and I just tried to take it day-by-day. And again, itâ&#x20AC;&#x2122;s just kind of compartmentalizing when Iâ&#x20AC;&#x2122;m on the set. I donâ&#x20AC;&#x2122;t burden my mind with other stuff when Iâ&#x20AC;&#x2122;m acting. I really feel like it needs my full attention, and then when I go off and do IDOL, itâ&#x20AC;&#x2122;s a little bit more of a fun thing on the weekends â&#x20AC;&#x201D; reuniting with IDOL family, listening to people sing, and trying not to take it all too seriously. We balanced it out. It was

â&#x20AC;&#x153;I just do what excites me, whatever kind of, when I hear it, goes, â&#x20AC;&#x153;Oh, yeah, that sounds good.â&#x20AC;? Itâ&#x20AC;&#x2122;s very kind of from the gut for me.â&#x20AC;? â&#x20AC;&#x201C; Jennifer Lopez challenging schedule-wise, but everybody was super respectful, super helpful to help make it all work.

Q: How do you fit your show in Las Vegas into all of this? Just a limited run Vegas show?

JL: No. Iâ&#x20AC;&#x2122;m doing a three-year residency

Courtesy of Reuters

Interview with Jennifer Lopez Continued from page 20

According to actress and singer Jennifer Lopez in regard to SHADES OF BLUE, â&#x20AC;&#x153;Doing a one-hour drama is probably one of the hardest gigs in show business, and itâ&#x20AC;&#x2122;s very demanding, and a show like this is such an emotional roller coaster for me and for a lot of the characters.â&#x20AC;?â&#x20AC;?

in Vegas at Planet Hollywood. It will be 40 shows a year to start. I do a few shows in July and August and at the end of the year. We then do a Season 2 of SHADES OF BLUE. Iâ&#x20AC;&#x2122;ll have some days off, and then Iâ&#x20AC;&#x2122;ll go back to Vegas. www.homebusinessmag.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.TDiPros8.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.TDiPros8.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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One of the Top Solid Residual Income Businesses in the World Proven training: a system that will equip you to succeed.

Proven success: approaching 100 millionaires and 9 millionaires on our team alone.

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Change your life in 48 hours

Take control of your financial future. Align yourself with people who know how to help you!

Working part time hours, I earned a six figure income by following a proven step by step system. Now I travel the world and am living a life I could have only dreamt of before.

Deborah K.

Get more info today: www.workparttimelivefulltime.com

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