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Home-Based Business & Opportunity Magazine

September/October 2015 MARKETING & SALES



The Lucky Seven. Cheap


(or free) tools to market your home business.


How Is Your Social Media Strategy Working? Tips to strengthen your social media plan.

Business, Personal, and Consulting Services: Many homebased service businesses can be accomplished part-time or full-time and with low start-up costs.



34 20

Cash-In Services! Get

five P’s: product, price, place, people, and promotion.


Expert Tips On Starting And Profiting From Home-Based Service Businesses — Offering Business Services, Consulting Services, and Personal Services.

Top 10 Poolside Apps. Manage your business on vacation.


Book/Product Reviews. Hot items

Interview with Actor Colin Farrell. On the Movie




Small Biz Ad Marketplace.


Tips to take the plunge.

Classified Ads.

Biz, Family, Spare-Time Activities and His Movie The Lobster.


50+ Cash-In Service Businesses. Check Out This Table of Home-Based Service Businesses That Offer Opportunities.


for the home office. © Reuters


Marketing and Sales Plan: Cover the

Colin Farrell: “The kinds of films I’m making now are the ones I wanted to do when I first started dreaming about becoming an actor.”

Business Productivity Apps: Manage your business when poolside with your mobile phone.



Planning for Long-Term Health Care? Tips for selecting insurance options.



Public Data with Ease.


“The Estate Mama.”

10 12

Letter from the Publisher.


Newsstand: How women may be the difference makers in business leadership… Why work-life balance is the wrong idea.


Career from a Garden.



Politics to Busines.


Breaking Into the City of Magic. Master illusionalist


Letters to the Editor & Notice to Readers.

Start Your Home Business on a Shoestring Budget. Save


Entrepreneurs create an online background check platform. Mompreneur offers an estate biz. Man promotes healthy food production. Mogul consults small businesses.

propels self-made business.

some serious cash while launching your new venture.


Master Illusionalist: Michael Grandinetti makes the ancient art of magic modern and exciting.


Spoiled Brats and 5 Dollar Teez. Man launches


One of “Oprah’s Favorite Things.” Mompreneur’s caramel company

two apparel brands.

Shoestring Budget: Establish careful business

rebrand is honored.

spending practices to prosper and thrive. September/October 2015 | Home Business



Magazine M i Volume 22 Issue 5, September/October 2015

The Home Business Team ®

Publisher Richard Henderson United Marketing & Research Company, Inc. Editor-in-Chief Stacy Ann Henderson Managing Editor Sandy Larson Experts Editor Sherilyn Henderson Graphic Services Kara Primm, Slice, Inc. Production Manager UltraGraphics Art Direction Richard Rabil Advertising Fox Associates, Inc. Offices Fox-Chicago: 116 West Kinzie Street, Chicago, IL 60654 800-440-0231 • 312-644-3888 Fax: 312-644-8718 Email: Fox-New York: 347 Fifth Ave., Suite 706B New York, NY 10016 212-725-2106 • Fax: 212-779-1928 Fox-Los Angeles: 5345 Cochran St. #203, Simi Valley, CA 93063 805-522-0501 • Fax: 312-644-8718 Fox-Detroit: 6765 Woodbank Dr. Bloomfield Hills, MI 48301 248-626-0511 • Fax: 248-626-0512 Fox-Atlanta: 800-440-0231 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: Print Manager Kris Hayner, R.R. Donnelley Reprints Betsy White, The Reprint Outsource, Mailing Lists (Click on “Mailing Lists” to order) Mailing List Manager Danny Grubert (914) 925-2400 List File Manager Adrian Mitchell Lee Coats Newton Digital Media Manager Jim Pappadeas, Epsilon Digital Media Internet Manager Infoswell Media Social Media Sherilyn Henderson Customer Service Email: Phone: (800) 734-7042 Fax: 714-388-3883

Editorial Pipedrive, Sally Poblete, Jodie Toohey, Phillip Whitt, 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 bi-monthly by United Marketing and Research Company, Inc., 20664 Jutland Place, Lakeville, MN 55044. One Year Subscription Rates: Domestic $19. Canadian $39. Foreign $59. For Subscriptions: 714-693-1866, M–F Periodicals Postage Paid at Lakeville, Minnesota, and at additional mailing offices. POSTMASTER: Send address changes to Home Business® Magazine, 20664 Jutland Place, Lakeville, MN 55044. Printed in the United States


Home Business | September/October 2015 ®



Cash-In on a Home-Based Service Business his September/October issue of Home Business Magazine® covers “cashing-in” on home-based service businesses, which make up a profitable and major segment of the home-based industry. Most home-based service businesses can be run part-time or full-time. They include business service businesses, personal service businesses, and consulting service businesses. With so many types of opportunities in each of these categories, there is something for everyone. In this issue, several service business experts also share their advice and secrets on how to attain success in their specific types of service businesses. Their advice and secrets can also be applied to other types of service businesses you may want to consider. A home-based service business can be performed for either a person or a business. That decision is a matter for you, the business owner, to determine, based upon your preferences, capabilities, and time. This is important. It is hard to make a home-based service business work if you don’t like it. The start-up and operating costs for a home-based services business are Your Hard Work substantially lower than that required and Research Ensure for home-based franchises. The amount Success in Starting and of investment varies with the quality of the training and support provided by Operating a Home-Based the business offering the opportunity. Service Business Lower levels of investment get only basic information on how to start and operate a particular business. Higher levels of investment often come with specialized training programs, on-site and ongoing support, and even licensing. Investing in any business is a decision that carries risk. Minimize that risk by performing the necessary research to check out a home-based service business before you make an investment of time and money:


What are the start-up and operational costs and can you afford them?

Does it match the type of customers you want to do business with?

Does it match your skills, lifestyle, home base, and location?

Does the service business offer training and support?

Is your cash flow in good shape? How long will it take for cash flow to exceed expenses?

Look at the market. Is there saturation of the market in your area for this service business?

Evaluate the competition. Is there enough demand to support a new service business?

Before making that final decision on starting a home-based service business, talk to your friends and business acquaintances and brainstorm. Think through the decision and its implementation. Also keep talking to the service business sellers to answer further questions. And before you do sign any contract, review it with a lawyer. Now is the time to “cash-in.” The only way to succeed is to “do.” Your hard work and research ensure success in starting and operating a homebased service business.

Publisher, Home Business® Magazine


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partnership, it’s important to try to understand and respect the other person’s point of view.

ss & Home-Based Busine ine Opportunity Magaz


August 2015



IncomeBuilding Home Businesses – Pg. 22

FINANCIAL SECURITY: 15 Steps to Build It Fast

ffrom HHome! d Entrepreneurs 10+ Home-Base esses to Who Took Their Busin Seven-Figure Levels

STELLAR SELLING: Overcome Sales Obstacles

CLEAN PROFITS: h in $16K Per Mont Carpet Cleaning TWITTER MONEY: ords Your Best Keyw ESS: MONSTER $$ SUCC tor Toy” Inven Young “Monster : PAYS CRIME ucts Prod with Security $100K+ Annually

– Pg. 14

Advice from the

star of

Seven-Figure Sofia Vergara: Pursuit.” – Pg. 20 and the movie “Hot TV’s “Modern Family”


Brandi Rarus ( Gail Harris ( Co-Writers of Finding Zoe



Build a Killer Sales Attitude Life in sales isn’t fair. You know that. Some salespeople have more than their share of difficulties, and some salespeople get more breaks than they deserve. What fascinates me is how salespeople respond to their difficulties. Some of them use their difficulties as an excuse for their lack of achievement, while others use their difficulties as the motivation for their success. Your attitude determines your altitude. Good sales attitudes tend to bring good sales results, and bad sales attitudes tend to bring bad sales results. In fact, your attitude will defeat you faster than any problem you’ll ever have or any competition you’ll ever encounter. Dr. Alan Zimmerman Speaker and Author of Discover the 3 Secrets for Getting What You Want out of Life and Work

Remain Business Partners and Friends Good business partnerships can lead to great things, whether it’s Ben and Jerry dishing up ice cream or Penn and Teller dishing up magic. But sometimes partners aren’t well matched. Their personalities fail to mesh, their differing visions lead to a clash of wills, and what seemed like a good idea at the beginning disintegrates quickly in a flurry of angry words and ill will. It doesn’t have to be that way, though. A business partnership — like any relationship — can thrive if the right ingredients are in place: ■ Communicate. Communication is paramount in any relationship. ■ Be committed. Both people must be committed to the end goal. ■ Avoid being judgmental. In a

Get Results Based on Your Choices In work and in life you’ll often see people who are happy, no matter what they are doing, no matter their wealth, no matter their job, and people who seem a bit lost. What is the happy person’s secret? How did they find this happiness? These people own their lives. They don’t seek the approval of others when making choices and take responsibility for the outcomes of their choices. Five questions can help your readers find happiness at work and in life, which are: ■ ■ ■ ■

Are you competing with others? Are you seeking approval from others? Do you know what you want to achieve? Do you know how the much time, money and energy you are willing to spend to achieve your objective? Do you know that you — and you alone — own your dreams? Walt Grassl, is a speaker, author, and performer Host of the radio show, “Stand Up and Speak Up” on the RockStar Worldwide network

Protect Yourself from Unethical Persuasion Have you ever agreed to do or buy something you really didn’t want or need, and later wondered, “Why did I say ‘yes’?” You’re not alone. Whether you ended up doing a colleague’s job, buying nutritional supplements you had little use for, or donating time and/or money to a cause you weren’t passionate about, chances are you said “yes” due to some finelyhoned persuasion. You may often find yourself in possession of unwanted goods or doing tasks you dislike simply because you feel compelled to say “yes.” It doesn’t have to be that way. If you ever find yourself the recipient of an unwanted or unethical persuasion attempt, there are steps you can take to recognize and disarm it so you have the confidence to walk away unscathed. Here are some suggestions: ■ You don’t always have to reciprocate.

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

20664 Jutland Place, Lakeville, MN 55044. 12

Home Business


September/October 2015

■ ■ ■

It’s okay to change your mind. Know yourself. Base your decisions on the offer, not the requester. You don’t always have to follow authority figures. Robert Cialdini, Ph.D Founder of INFLUENCE AT WORK (IAW®) Author of Influence Twitter: @robertcialdini

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. ©1993-2015. 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.



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Cash-In Services!


Get Expert Tips On Starting And Profiting From Home-Based Service Businesses — Offering Business Services, Consulting Services, and Personal Services By Home Business Magazine


he services industry is one of the best options for home businesses, and home business people are the best when it comes to serving their customers. There are two reasons for this. First, the customer is dealing directly with the business owner rather than a corporation with layers of protective bureaucracy. A long term personal relationship can form. The second reason is that the home-based entrepreneur, who performs or manages the work, is not just a paid employee, but one who chose his profession at will. In the services industry, opportunities range across many types of services and skills. Working from home, you can offer a business service, a consulting service, a personal service, or a service that covers both business and personal. There is something there for everyone. Many home-based service businesses can be accomplished part-time or full-time, and many have low start-up costs. Here is a quick snapshot of several types of services that you can offer in each category: Business Services: If you prefer to do business with other businesses rather than with the general public, a business service business is the type of service business for

Many home-based service businesses can be accomplished part-time or fulltime, and many have low start-up costs. 14

Home Business


you. If you like the idea of a service being your product, most of these business services will do just that: accounting; advertising services; Whether you are starting a business service aerial photography; billing; loans; business, a consulting service business, or a corporate party planning; debt personal service business, you need to learn from reduction; travel; freelance writthose who have attained success in the service ing/blogging; mortgage reduction; industry. vending machines; phone services; computer and printer cleaning and variety of interesting business opportunities. repair services; distributing water supplies; Good inter-personal skills are a prerequisite motivational coaching; office cleaning; train- for success in personal service types of busiing; website development; search engine opti- nesses. Personal service businesses include: mization services; marketing and promotion; arts and crafts; automotive interior/exterior medical claims filing; Christmas decorating; repair and maintenance; child and elder care; reselling long distance services; musical and closet organizing; collecting; couple matchsafety training; children’s identification ser- making; creating unique and personalized vices; and more. gifts; direct selling; educational tutoring; Consulting Services: Home-based entre- home cleaning; home decorating/remodeling/ preneurs who desire greater work flexibility and have the initiative to aggressively sell their expertise are finding consulting work to be a profitable and rewarding opportunity. The key to becoming a successful consultant is to become an “expert” or “go-to authority” in a field with which you have experience and that holds your interest. Your experience and educational background can be a springboard into consulting. The options are limitless. Professional consulting services cover a variety of services; in which you restoration; home inspection; home selling; offer expert advice in: running a business; personal assistant services; shoe repair; clothmarketing and advertising; financial manage- ing alterations; family genealogy; heirloom ment; legal matters; credit policies; investment engraving; mortgage refinancing; network opportunities; short and long-term budgeting marketing; wedding planning; water service; plans; strategic management; computer soft- party planning; photography; providing proware and hardware trouble-shooting; human tective services for children; travel planning; resources management; taxation procedures vinyl and leather repair; used vehicle marketand preparation; education and career plan- ing; sports tournament organizing; wedding ning. Businesses and individuals who need planning; disk jockeying; and more. specific expertise keep these consulting serBusiness/Personal Services: The followvices fueled. The works of consultants in all ing services cover both business and perindustries share the common tasks of analyz- sonal: interior decorating; carpet cleaning; ing, interpreting, imagining, developing, and, locksmithing; janitorial and maid services; above all, communicating. roof repair; waterproofing; window and blind Personal Services: For the home-based cleaning; and handyman work. entrepreneur who likes working close with Continued on page 16 people, personal services can offer a wide

September/October 2015

“In the services industry, opportunities range across many types of services and skills… There is something there for everyone.”

Train at home to

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

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

Earn up to


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

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

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Investigate insurance claims by gathering/recording evidence.

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

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

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

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

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

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

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

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

Work for a legal firm or paralegal service.

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

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

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

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

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

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

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

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

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

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

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

Master a standard practice in the home-buying process.

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

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

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

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

Learn to create spreadsheets, compose correspondence & manage databases.

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

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

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

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

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

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

The entry-level rite of passage for IT Technicians.

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

Need a high school diploma? Call us today for information about Â&#x17D;Â&#x160;Â&#x152;Â&#x2DC;Â&#x2014;Čą Â&#x2019;Â&#x2022;Â&#x2022;ČąÂ&#x160;Â&#x203A;Â&#x17D;Â&#x17D;Â&#x203A;Čą Â&#x2019;Â?Â&#x2018;ČąÂ&#x152;Â&#x2018;Â&#x2DC;Â&#x2DC;Â&#x2022;!


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

Enjoy the challenge and satisfaction of working for yourself!

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

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

Your knowledge will help guide people to financial success!

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

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

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

U.S. Career InstituteÂŽ

2001 Lowe St., Dept. HBMB2A95 Fort Collins, CO 80525

Be a Fashion Buyer, Director, Marketer or Designer!

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

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

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

Â&#x17D;Â?ȹȹÂ&#x160;Â&#x152;Â?Â&#x153;ÇŻ Â&#x2DC;Â&#x2014;Â?Â&#x160;Â&#x152;Â?ČąÂ&#x153;ČąÂ&#x2DC;Â?Â&#x160;¢ǡ

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

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

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

Dept. 1-800-388-8765 HBMB2A95

YES! Rush me a free brochure and full information on how I can train at home for any one of these exciting careers. Course Name: ___________________________________________________________________________________

Sent FREE!

Name ___________________________________________________________________________ Age __________________ Address _________________________________________________________________________ Apt __________________ City _____________________________________________________________ State __________ Zip __________________ E-mail ___________________________________________________________ Phone ________________________________


¢ȹÂ&#x2013;Â&#x160;Â&#x2019;Â&#x2022;Â&#x2019;Â&#x2014;Â?ČąÂ?Â&#x2018;Â&#x2019;Â&#x153;ČąÂ?Â&#x2DC;Â&#x203A;Â&#x2013;Ç°Čą ČąÂ&#x160;Â&#x2013;ČąÂ?Â&#x2019;Â&#x;Â&#x2019;Â&#x2014;Â?ČąÂ&#x2013;¢ȹÂ&#x17D;ÂĄÂ&#x2122;Â&#x203A;Â&#x17D;Â&#x153;Â&#x153;ȹ Â&#x203A;Â&#x2019;Â?Â?Â&#x17D;Â&#x2014;ČąÂ&#x152;Â&#x2DC;Â&#x2014;Â&#x153;Â&#x17D;Â&#x2014;Â?ČąÂ?Â&#x2DC;Â&#x203A;ȹǯǯȹÂ&#x160;Â&#x203A;Â&#x17D;Â&#x17D;Â&#x203A;Čą Â&#x2014;Â&#x153;Â?Â&#x2019;Â?Â&#x17E;Â?Â&#x17D;ČąÂ&#x160;Â&#x2014;Â?ČąÂ&#x17D;Â&#x153;Â?Â&#x2DC;Â&#x2014;Čą Â&#x203A;Â&#x2DC;Â&#x17E;Â&#x2122;ČąÂ&#x152;Â&#x2018;Â&#x2DC;Â&#x2DC;Â&#x2022;Â&#x153;ČąÂ?Â&#x2DC;ČąÂ&#x2013;Â&#x160;Â&#x2019;Â&#x2022;Ç°ČąÂ&#x17D;Â&#x2013;Â&#x160;Â&#x2019;Â&#x2022;Ç°ČąÂ&#x152;Â&#x160;Â&#x2022;Â&#x2022;ČąÂ&#x2DC;Â&#x203A;ČąÂ?Â&#x17D;ÂĄÂ?ČąÂ&#x2013;Â&#x17D;ČąÂ&#x17E;Â&#x153;Â&#x2019;Â&#x2014;Â?ČąÂ&#x160;Â&#x17E;Â?Â&#x2DC;ČŹ Â&#x2013;Â&#x160;Â?Â&#x17D;Â?ČąÂ?Â&#x17D;Â&#x152;Â&#x2018;Â&#x2014;Â&#x2DC;Â&#x2022;Â&#x2DC;Â?¢ȹÂ&#x160;Â&#x2039;Â&#x2DC;Â&#x17E;Â?ČąÂ&#x17D;Â?Â&#x17E;Â&#x152;Â&#x160;Â?Â&#x2019;Â&#x2DC;Â&#x2014;Â&#x160;Â&#x2022;ČąÂ&#x153;Â&#x17D;Â&#x203A;Â&#x;Â&#x2019;Â&#x152;Â&#x17D;Â&#x153;ČąÂ&#x160;Â&#x2014;Â?ČąÂ?Â&#x17E;Â?Â&#x17E;Â&#x203A;Â&#x17D;ČąÂ&#x2DC;Â?Â?Â&#x17D;Â&#x203A;Â&#x153;ČąÂ&#x160;Â?ČąÂ?Â&#x2018;Â&#x17D;ČąÂ&#x2019;Â&#x2014;Â?Â&#x2DC;Â&#x203A;Â&#x2013;Â&#x160;Â?Â&#x2019;Â&#x2DC;Â&#x2014;ČąÂ&#x2122;Â&#x203A;Â&#x2DC;Â&#x;Â&#x2019;Â?Â&#x17D;Â?ČąÂ&#x160;Â&#x2039;Â&#x2DC;Â&#x;Â&#x17D;Ç°ČąÂ&#x2019;Â&#x2014;Â&#x152;Â&#x2022;Â&#x17E;Â?Â&#x2019;Â&#x2014;Â?ČąÂ&#x2013;¢ȹ Â&#x2019;Â&#x203A;Â&#x17D;Â&#x2022;Â&#x17D;Â&#x153;Â&#x153;ČąÂ&#x2014;Â&#x17E;Â&#x2013;Â&#x2039;Â&#x17D;Â&#x203A;ÇŻČą ČąÂ&#x17E;Â&#x2014;Â?Â&#x17D;Â&#x203A;Â&#x153;Â?Â&#x160;Â&#x2014;Â?ČąÂ?Â&#x2018;Â&#x160;Â?Čą ČąÂ&#x160;Â&#x2013;Čą Â&#x2014;Â&#x2DC;Â?ČąÂ&#x203A;Â&#x17D;Â&#x161;Â&#x17E;Â&#x2019;Â&#x203A;Â&#x17D;Â?ČąÂ?Â&#x2DC;ČąÂ&#x2122;Â&#x203A;Â&#x2DC;Â&#x;Â&#x2019;Â?Â&#x17D;ČąÂ?Â&#x2018;Â&#x2019;Â&#x153;ČąÂ&#x152;Â&#x2DC;Â&#x2014;Â&#x153;Â&#x17D;Â&#x2014;Â?ČąÂ?Â&#x2DC;ČąÂ&#x160;Â?Â?Â&#x17D;Â&#x2014;Â?ȹǯǯȹÂ&#x160;Â&#x203A;Â&#x17D;Â&#x17D;Â&#x203A;Čą Â&#x2014;Â&#x153;Â?Â&#x2019;Â?Â&#x17E;Â?Â&#x17D;ÇŻČąÂ&#x153;ČąÂ&#x160;Â&#x2014;ČąÂ&#x160;Â&#x2022;Â?Â&#x17D;Â&#x203A;Â&#x2014;Â&#x160;Â?Â&#x2019;Â&#x;Â&#x17D;ČąÂ?Â&#x2DC;ČąÂ&#x2122;Â&#x203A;Â&#x2DC;Â&#x;Â&#x2019;Â?Â&#x2019;Â&#x2014;Â?ČąÂ?Â&#x2018;Â&#x2019;Â&#x153;ČąÂ&#x152;Â&#x2DC;Â&#x2014;Â&#x153;Â&#x17D;Â&#x2014;Â?ǰȹ¢Â&#x2DC;Â&#x17E;ČąÂ&#x2013;Â&#x160;¢ȹÂ&#x152;Â&#x160;Â&#x2022;Â&#x2022;ČąÂ&#x17E;Â&#x153;ČąÂ&#x160;Â?ČąĹ&#x17E;Ĺ&#x153;Ĺ&#x153;ČŹĹ&#x2DC;Ĺ&#x203A;Ĺ&#x2013;ČŹĹ&#x153;Ĺ&#x17E;Ĺ&#x203A;Ĺ&#x2014;ÇŻ

Â&#x152;Â&#x152;Â&#x203A;Â&#x17D;Â?Â&#x2019;Â?Â&#x17D;Â?ČąČ&#x160;ČąÂ?Â?Â&#x2DC;Â&#x203A;Â?Â&#x160;Â&#x2039;Â&#x2022;Â&#x17D;ČąČ&#x160;ČąÂ&#x2122;Â&#x2122;Â&#x203A;Â&#x2DC;Â&#x;Â&#x17D;Â? Â&#x2018;Â&#x17D;ČąÂ&#x203A;Â&#x2019;Â?Â&#x2019;Â&#x2014;Â&#x160;Â&#x2022;ČąÂ&#x160;Â&#x203A;Â&#x17D;Â&#x17D;Â&#x203A;ČąÂ&#x152;Â&#x2018;Â&#x2DC;Â&#x2DC;Â&#x2022; Žȹ Â&#x2019;Â?Â&#x2018;ČąÂ&#x2DC;Â&#x;Â&#x17D;Â&#x203A;ČąĹ&#x2122;Ĺ&#x2013;ȹ¢Â&#x17D;Â&#x160;Â&#x203A;Â&#x153;ČąÂ&#x2DC;Â?ČąÂ&#x17D;Â?Â&#x17E;Â&#x152;Â&#x160;Â?Â&#x2019;Â&#x2DC;Â&#x2014;ČąÂ&#x17D;ÂĄÂ&#x152;Â&#x17D;Â&#x2022;Â&#x2022;Â&#x17D;Â&#x2014;Â&#x152;Â&#x17D;ǡ

*Â&#x2022;Â&#x2022;ȹ Â&#x160;Â?Â&#x17D;ČąÂ?Â&#x160;Â?Â&#x160;ČąÂ&#x2039;Â&#x160;Â&#x153;Â&#x17D;Â?ČąÂ&#x2DC;Â&#x2014;ČąÂ&#x17D;ÂĄÂ&#x2122;Â&#x17D;Â&#x203A;Â&#x2019;Â&#x17D;Â&#x2014;Â&#x152;Â&#x17D;ČąÂ&#x2019;Â&#x2014;ČąÂ?Â&#x2018;Â&#x17D;ČąÂ?Â&#x2019;Â&#x17D;Â&#x2022;Â?ČąÂ&#x160;Â&#x2014;Â?ČąÂ?Â&#x2019;Â?Â&#x17E;Â&#x203A;Â&#x17D;Â&#x153;ČąÂ?Â&#x203A;Â&#x2DC;Â&#x2013;ČąÂ&#x2122;Â&#x203A;Â&#x2DC;Â?Â&#x17D;Â&#x153;Â&#x153;Â&#x2019;Â&#x2DC;Â&#x2014;Â&#x160;Â&#x2022;ČąÂ&#x160;Â&#x153;Â&#x153;Â&#x2DC;Â&#x152;Â&#x2019;Â&#x160;Â?Â&#x2019;Â&#x2DC;Â&#x2014;Â&#x153;Ç°ČąĹ&#x2122;Â&#x203A;Â?ČąÂ&#x2122;Â&#x160;Â&#x203A;Â?¢ȹÂ&#x203A;Â&#x17D;Â&#x153;Â&#x2DC;Â&#x17E;Â&#x203A;Â&#x152;Â&#x17D;Â&#x153;ČąÂ&#x160;Â&#x2014;Â?ČŚÂ&#x2DC;Â&#x203A;ČąÂ?Â&#x2018;Â&#x17D;ȹǯǯȹÂ&#x17D;Â&#x2122;Â?ÇŻČąÂ&#x2DC;Â?ČąÂ&#x160;Â&#x2039;Â&#x2DC;Â&#x203A;Č&#x201A;Â&#x153;Čąȹ Â&#x17D;Â&#x2039;Â&#x153;Â&#x2019;Â?Â&#x17D;ÇŻ

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Cash-In Services! Continued from page 14

Whether you are starting a business service business, a consulting service business, or a personal service business, you need to learn from those who have attained success in the service industry. Drawing on their years of experience, a select panel of service business experts offer tips on starting and profiting from their own specific types of home-based service businesses. Their expertise can help you “cash-in” on a home-based service business such as theirs. Their advice can also be applied to other types of service businesses you may want to consider.

CASH-IN BUSINESS SERVICES Freelance Writing/Blogging Becoming a Successful Freelance Writer/ Blogger By Williesha Morris It doesn’t take a fancy website or blog to be a successful freelance writer/blogger. You don’t even need to troll online job postings. To offer your business service, you just need a confident and business-minded attitude, and you need to follow these steps: 1. Your prices are your prices. Never adjust


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for a client no matter who they are. It’s best you never do any work for family and friends. 2. Freebies should only be done for non profits, and that also should a rarity. Create articles to use on your site, which you can use on your portfolio or your blog.

“It doesn’t take a fancy website or blog to be a successful freelancer.” 3. Don’t use job boards or bid sites. You may have heard success stories about them, but it’s not worth it. The idea is to make money with a few clients and a normal workload. If you’re already doing this, finish your current workload, send a message thanking them for their work, and walk away. 4. Want to goof off? Fine, get up earlier or stay up later to play Candy Crush or scroll through Facebook then, so you don’t get sidetracked during business hours. 5. Recreate the rituals from your full-time job. If you grabbed breakfast and sat for a few minutes with a co-worker, do the same at home! Make breakfast and chat

September/October 2015

with a friend on Google Hangouts or Skype — both are free! 6. Develop the courage to go after the big guys. Find established companies with proven products and services. They have the budgets for you. Working for other entrepreneurs may leave you frustrated, because of the demand for low prices. 7. Dream big and write things down. You’ll need to make space in your head for writing and marketing. 8. Create business hours that work for you and your peak energy level. Don’t feel strange if you work the “night shift.”

If you prefer to do business with other businesses rather than with the general public, a business service business is the type of service business for you.

It’s so peaceful, isn’t? If your clients work at different times, schedule emails to be sent out when they’re in front of a computer. Keep live calls to a minimum or at a time when both of you are alert and ready to roll. 9. Create a website that shows off your work. Clients want to see your work. 10. Perfectionism and comparison are bad habits to avoid. Just because the work may have seemed “too easy,” don’t equate that with poor or error-filled writing. You’re a pro, and your words matter. Williesha Morris is a blogging, writing, and journalism veteran. She’s embraced the digital and social media realm in order to write the very best content for her clients. Find her at or on Twitter – @willieshamorris.

CASH-IN CONSULTING SERVICES Consulting “Secret Sauce” to Becoming an Expert

and experts who are great at their work but haven’t figured out how to launch that one big idea or build a truly successful platform. I think there’s indeed a “secret sauce,” and it’s simple yet profound. Experts know the answers to questions like these: 1. What’s working? Experts know, because they measure. This is true in every aspect of what’s happening, whether it be on the Web, in print, or in person. Experts who build a business around their expertise know which email approach adds the most to their bottom line, they know which events get them more clients, and they know if flying to a certain city for a certain client is the right move. They know this because they have a system in place to keep track, and they take the time to assess and understand. 2. What is making you stand out? If an expert understands his or her differentiator and personal brand, that’s because

By Scott James, Greenleaf Book Group As I talk to people, it strikes me that with those offering consulting services, there is a clear line between experts who have built a platform and brand around their expertise

“The key to becoming a successful consultant is to become an “expert” or “go-to authority” in a field with which you have experience and that holds your interest.”



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they’ve done the work. Experts with strong personal brands know that they are swimming in a crowded ocean, and they can pinpoint what it is about what they do that other people get excited about, and they know how to talk about what they do in a way that honors their uniqueness and targets the specific needs of the people they want to influence. 3. What’s next? Experts have a long-term plan, but they also know the specific project (or projects) they are doing next. Experts think several steps ahead, and Continued on page 18

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Cash-In Services Continued from page 17

that ability to be deeply in the project that is happening now but also already be thinking at 50,000 feet and how today is laying a foundation for three years from now is a difficult mental tightrope to walk. But where some people get buried in the details of their current project and let everything else go, missing the forest for the tree, experts can walk that tightrope because they know it’s critical. 4. What do you want to be doing in 5 years? I’m talking about what you want to be actively doing day-to-day, not which accomplishments you want to check off. Successful experts build a community that they can work and grow within, so the question becomes how

Grading the Service Business You Want to Buy

Here are business attributes you will want to rate before buying a service business: 1. Income – Find out if the business is provable, sustainable, and if you can grow it. 2. Length in business – See if the business has been around for more than 5-10 years. 3. Books and records – Is the business in good shape? 4. Recurring revenue – Does the business have steady, recurring revenue? 5. Employees – Are the employees long term, low or high tech, blue or white collar? Are there turnover, labor, w-2, and/or independent contractor issues?

Andrew Cagnetta is the CEO of Transworld Business Advisors, LLC, a worldwide franchise leader in business brokerage, franchise consulting, and franchise development. Visit

they want to be doing their work and with whom, rather than what award do they want to win or what endgame do they want to pursue. Scott James is the manager of brand strategy at Greenleaf Book Group, a publisher and distributor best known for its innovative business model, distribution power, and award-winning designs. Visit

Transform Yourself from Local Expert to Leading Go-to Authority By Deb Holder, M.A. If you’re in business for yourself offering consulting services, you may understand the disparity that arises between being an expert and being recognized as an authority in your field. In fact, most experts fly under the radar and lose a lot of revenue because they don’t know how to make that important leap from “I know what I’m doing” to “You know I know what I’m doing, and you’re willing to pay me a lot of money to do it.” Here’s the kicker: Experts are well-versed in their fields. Authorities are well-known by others for their expertise. Therein lies the difference. In a job, you get paid for your expertise by one employer or, perhaps, one client at a time. When you become an authority in your field, you get paid for that same knowledge over and over again by many people. In a home-based consulting services profession, you can expand your reach, earn more money, and become a recognized authority in your field by creating these three channels for delivering your information: public speaking, authoring, and coaching. 1. Public speaking will create phenomenal leverage for your brand. It may be listed among the top fears among many of us, but public speaking is still the quickest way to build your credibility and to get known by people who would not otherwise cross your path. Additionally, it attaches your face and your personality to your brand — YOU. This is important because people are more likely to buy a product or service from someone with whom they are familiar than they are from a stranger. 2. Authoring books is not just for writers anymore. With the advent of ebooks and vanity publishing, just about anyone can put together a book that showcases their expertise. When tied into a trade show and your public speaking presentations, you’ve created a catalyst to jumpstart your publishing career and to earn

Good inter-personal skills are a prerequisite for success in personal service types of businesses.

passive income for years to follow. 3. Consulting or coaching others to do what you do is a win-win. Just about any experience you’ve had can be marketed into a consulting or coaching program — either live or recorded. The good news is that you don’t have to leave your home or office to become a world-renowned consultant or coach. If you’ve survived a traumatic life event, learned the secret to becoming a successful business man or woman, or know how to create beautiful handicrafts — turn what you’ve learned into a consulting or coaching program and teach other people what you know. You can adapt your teachings to a workshop, an online meeting, an e-course, or a podcast. For more information about how you can grow your business by making the leap from expert to authority, visit Authority Institute at You can also like us on Facebook, join the conversation on Twitter, or get inspired on Pinterest.

CASH-IN PERSONAL SERVICES Direct Selling Direct Selling Can Offer Home-Based Business Success By ASEA Time is precious. Between hectic work schedules, family responsibilities, and weekends filled with errands, it’s easy to feel like we’re losing control of this most precious commodity. So what can be done to wrench back control, to set our own schedules, to be, as the great English poet William Henely penned, Continued on page 44


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Interview with Actor

Colin Farrell

On The Ups & Downs of the Movie Biz, Family, Spare-Time Activities and His Movie The Lobster Question (Q): Colin, The Lobster will prove confusing to many people who see it. What are your thoughts on the story? Colin Farrell (CF): Don’t ask me to

explain the film! (Smiles) I also think the director and the writer (Yorgos Lanthimos) and co-screenwriter (Efthymis Filippou) left the story open to interpretation and didn’t want to hammer home one particular idea or message. That’s what makes his films so compelling and disturbing at the same time. I was left really moved and disoriented when I saw Dogtooth (Lanthimos’s controversial 2009 film), and that’s a big reason that I wanted to be part of The Lobster, because it has that same eerie feeling to it.

“Whenever I look at a new project now, I want to see whether it offers me a chance to probe deeply into the human condition and our psychology.” – Actor Colin Farrell Q: Did working on the film help you understand the story better as compared to when you first read the screenplay? CF: (Laughs) Not really, no. It only deepened my level of confusion. But that’s not necessarily a bad thing. Why should things be spelled out anyways? It’s much more fascinating to see a film like this and try to discover the meaning behind it. Everything about my experience working on the film was very special. Q: But you must have some impressions of what your characters are going through? CF: The film is dealing with the nature of loneliness that human beings experience. Being alone is a difficult state to be in at 20

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Courtesy teesy of o Reu Reeuute tter eerrs


By Jan Janssen / The Interview Feed times. There’s also a stigma that comes attached with not being in a relationship. We were exploring the sense of detachment the characters are experiencing in their lives. This strange world they’re living in is obviously a metaphor for a lot of those kinds of feelings we all have from time to time. I can imagine According to actor Colin Farrell, who stars in the film, people having incredibly The Lobster, “The kinds of films I’m making now are intense debates after they the ones I wanted to do when I first started dreaming watch this movie and try to about becoming an actor.“ provide their own interpretations and figure out what about becoming an actor. But I got off to such it’s saying about the human a fast start in Hollywood and suddenly I was condition. For me, it was a deeply moving making all these big movies in Hollywood experience and the kind of thing I thrive on that I never got a chance to do those smaller, as an actor. intimate films, and the more intense kinds of Q: Did the director give you any explaroles I was interested in playing. Whenever nation about the various subtexts that are I look at a new project now, I want to see running through the film? whether it offers me a chance to probe deeply CF: No. Yorgos wanted to keep us in the into the human condition and our psycholdark about the world that he wanted to create. ogy. That’s what excites me about the work He believes that it’s more effective to let the the most. actors get a taste of the same kind of disoriQ: And the downside of the business? entation and melancholy that our characters CF: Well, apart from all the paparazzi and are experiencing. And you do have that sense the insane focus on your private life, the most of discomfort that comes from not being able painful thing for me is being away from home to make sense of things. I think it probably and my children. I used to love making one added something to my performance. movie after another and moving from one Q: You’ve remade your life as well as city to another and staying in palatial hotels. remaking yourself as an actor in terms of You never have to clean your room, you can choosing to do smaller, more intense kinds of films… CF: I’m so lucky to do this job! I’ve always

been a great observer of people ever since I was a little kid. I’m very curious about human behavior and what makes us tick. Why we behave the way we do, how we experience life and all of that. Human beings are fascinating and tragic and hilarious creatures. The kinds of films I’m making now are the ones I wanted to do when I first started dreaming

September/October 2015

“Now I would much

rather spend time at home with family and enjoy the kind of comfort that comes with that.” – Actor Colin Farrell

Continued on page 48

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Company Started

# of Business

Type of Business

$36.9K-$80.2K $64K-$183.9K $36-$85 $20K $32.8K-$98.2K $69.1K $9K-$41.9K $35K $50K $49.8K-$73.8K N/A $4.6K-$26.2K $900 $68K-$75K $17.1K-$81.9K $85K-$200K $2,500 $25K-$70K $114K-$295K $9.95 $12K-$30K $1,999 $12,400 $7.2K-$31.1K $40K-$50K $300-$2K $35K-$42.5K $500 $62.9K-$142.9K $10K-$15K $73.4K-$171K $31K-$42K $250 $6.5K-$12.5K $40K $44.9K-$73.5K $40K-$150K $50K-$70K $51.9K-$57.4K $35K-$64.8K $150K $155 $7.5K-$22.5K $86.9K-$106.7K $9.9K-$31K $45K-$90K $73K-$102K $500-$6K $25K $5,990 $1,000 $45K-$70K $50K-$150K $199

2005 1981 1986 1973 1992 1989 1996 2002 2004 1998 N/A 1992 2011 2001 1992 N/A 1994 1999 1962 2008 1979 2005 1993 2001 1969 1983 1965 1986 1979 1988 1981 2007 2000 1988 1988 2008 1978 1998 2006 2003 1978 1997 2007 2006 1992 1992 1985 1990 1985 1992 N/A 1970 1986 1980

35 183 151 55 400 250 2,750 250 N/A 560 N/A 775 100 31 500+ N/A 28 150 195 100 69 130 50 40 26 285 499 4,000 454 41 236 1000 200 98 142 59 160 96 200 N/A 500 407 500 54 264 28 900 30 100 2,500 500 8,393 170 N/A


AT YOUR SERVICES. START A BUSINESS THAT SERVES OTHER PEOPLE OR BUSINESSES. 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

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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


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. “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

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

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.”

to know even more? Shane Douglas did, and it’s paid off in an incredible way for him. It’s

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.

been 10 years since this Idaho native living in a town of just 1,500 people started his home-based business helping people achieve their financial goals

ask yourself one simple question. Would people I know buy this product/

and showing them how they too can get paid every time they pay their own monthly bills. “I was tired of all the promises from other companies that say you can

service even if I wasn’t involved with this company and making money? If the 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

much money they say you can make it won’t matter if you or your team of

percentage of the population,” says Shane. “Our company is different: We only offer services that people pay on

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 business model with the right services behind it,” says Shane

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

”Before you join some other company that makes pie in the sky promises,

business partners can’t sell.

“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

do the same.” Shane explains that recent deregulation of Energy providers around the

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. “In this declining economy, home-based businesses are on the rise. People

would you like it to be you? ■

want to supplement their income and possibly replace their incomes while working from home. So the opportunity to get paid every single month when someone turns on their lights, heats their home, uses their cellphone watches TV, logs onto the Internet or arms their security system is a no-brainer,” he says.

To see more information about this company go to Their proven leadership, who started out just like you, are here to answer your questions and help you get started.

September/October 2015 | Home Business




the “on-ramps” have become scarce. According to a study from the Center for Work Life Policy, 73 percent of women trying to return to work after a voluntary timeout for childcare or other reasons had trouble returning to work or finding a job. Debora McLaughlin is the best-selling author of “The Renegade Leader: 9 Success Strategies Driven Leaders Use to Ignite People, Performance and Profits” and “Running in High Heels: How to Lead with Influence, Impact & Ingenuity.” She is CEO of The Renegade Leader Coaching and Consulting Group

Why Work-Life Balance Is The Wrong Idea

Expressing positive reinforcement toward employees’ tangible contributions has an empowering effect that will yield greater ownership of their roles.

How Women May be the Difference Makers In Business Leadership Businesses do a poor job picking managers to lead their employees, collectively costing companies billions of dollars each year, according to a recent Gallup report titled “State of the American Manager.” The report is based on more than “four decades of extensive talent research, a study of 2.5 million manager-led teams in 195 countries, and analysis from measuring the engagement of 27 million employees.” The research yields a striking failure rate – 82 percent – when it comes to how well companies select their managers. An important criterion for how success is measured in management is engagement, where women have a decided advantage. Those who work for female managers are, on average, six percentage points more likely to be engaged, and those who work for female managers outscore employees of male managers on 11 of 12 engagement items. ■


Rigidity won’t help you retain top talent; be open. The ideal management style for today’s business climate is evolving. The traditional top-down hierarchical structure is giving way in favor of a more collaborative team approach. That means being open to communication, empathy, and encouraging inspiration in employees. Encourage engagement by focusing on an employee’s strengths or positive characteristics. Emphasizing someone’s positive traits doesn’t require you to ignore areas that could or should be improved. Clearly, if an employee is severely underperforming, then that must be addressed. However, if you can assume your employees are at least competent, then be proactive with your praise. Expressing positive reinforcement toward their tangible contributions has an empowering effect that will yield greater ownership of their roles. Too many exceptional women succumb to “off-ramping.” Multiple studies have found that on a woman’s path to the C-suite, she faces an abundance of “off-ramp” options – life decisions that take her off her career path. Since the recession,

Home Business


September/October 2015

The corporate world is susceptible to fads. Work-life balance, a push to properly prioritize work in relation to lifestyle, features the kind of faddish thinking that can lead gifted people down the wrong path. Finding the right fit — whether an organization is searching for leadership or an individual is seeking the right job — is more important than people realize. The problem of work-life balance starts farther upstream. When the appropriate person is aligned with the appropriate goal, balance is natural. A concept like work-life balance is a claim on how we should prioritize our lives, which, if believed, can be confusing. An organization’s employees, from bottom to top, can benefit from a more helpful perspective.

Don’t buy into the notion of the “work you” as being separate from the “real you.” We spend 8.8 hours of each day working, according to the United States Bureau of Labor Statistics — the largest amount of time spent in any single activity (sleeping is second at 7.6 hours). Work-life balance enforces a strange notion that you are essentially different on the clock than off the clock, which hurts both employers and employees. Who wants this divided personality? Why not be yourself while doing what’s important — providing for your well-being and that of your family? ■ Not everyone is working for the weekend. Rather than work-life balance, it’s more helpful to think of your role in a company or nonprofit as work-life symbiosis. Just do the math. Working nearly nine hours a day, five days a week in a role that you do not like doesn’t stack up well with two days that quickly pass by — assuming you hate your job. How many years of your life do you want to waste not doing what would make you happier? ■ Take a cue from your technology. In today’s world, we simply cannot compartmentalize different areas of our lives like people used to. You can communicate with your spouse at any time and know people better through social media than through real-life interaction. For work, most of us carry our work around in our smartphones. If not text messages, then we get emails sent to our phones. Whether through our technology or the software running in our brains, we don’t simply turn off work when we leave the office. We should drop the idea that “work” and “life” are somehow separate. They’re not. ■

Brian Mohr is co-founder and managing partner for Y Scouts (, a purpose-based leadership search firm that connects organizations with exceptional leaders.


The Lucky Seven

Seven Cheap (Or Free) Tools To Market Your Home Business By Jodie Toohey


s the one-woman owner of Wordsy Woman Word Sales and Service, working in a home office, people have to look for me to retain my services. This makes getting my name out and convincing people I’m worth the expense a top priority. And as with most home business owners, I don’t have a huge marketing budget. This means taking advantage of these free or cheap marketing tools is a business essential. 1. Plan Ahead

According to Dr. Dennis Schrag, owner and operator of The Longview Group and Clinical Instructor at the John Pappajohn Entrepreneurial Center at the University of Iowa, “The marketing and sales plan should be a subset of the business plan. Both need to be totally re-evaluated and rewritten every three years at a minimum; sales and marketing plans need to be refreshed every year.” Because you only have limited dollars to spend on marketing, knowing ahead of time how, where, and when you spend that money is key to avoiding overspending. This can be difficult to do in a home business when you are the planner and executor, which is why Dr. Schrag says, “Having these plans in your head is not good enough. They need to be on paper so they can speak back to you.” All you really need in your plan is to cover the five P’s: product, price, place, people, and promotion. Describe what your Product is, what makes it different from your competitors’, and what benefits it provides. Price is what you’re charging. Place is synonymous with distribution or where you’re selling your

sales plan should be a subset of the business plan. Both need to be totally re-evaluated and rewritten every three years at a minimum; sales and marketing plans need to be refreshed every year.” Home Business




product or service. People are your ideal customers, where they work, how they spend their free All you really need in your marketing and sales time, and how they would plan is to cover the five P’s: product, price, place, benefit from your prodpeople, and promotion. uct or service. Promotion includes the tools you’ll tangible goods. If you sell grocery items, crecarry out, when you will ate a newsletter with cooking tips and recipes use them, and how much you plan to spend. using your products. Fashion product compa2. Give Free Samples nies can produce a newsletter about how to It may seem counter-intuitive to give away combine various clothing items or save money what you are trying to sell for free, but Dr. shopping. Schrag says, “When you let potential clients/ customers sample your services, it enhances When you let potential the chances they will become paying clients.” clients/customers sample

If you’re a service business, your free sample can be providing free information through consultations or another outlet, such as your website, social media presence, booklets, brochures, blogs, or newsletters. “The ‘helping’ newsletter that is targeted to your client’s business is powerful. The newsletter needs to be short, very easy to read, very targeted, and free of self-promotion/advertising,” says Dr. Schrag. Newsletters can help the service and goods-oriented businesses alike. If you are in the medical field, produce a newsletter with information on living healthy. If you’re a plumber, contractor, or electrician, publish a newsletter with content about taking care of your home and business or being safe. A newsletter can also help businesses selling

“The marketing and



When writing a press release for media outlets, remember to include the who, what, when, and where information.

September/October 2015

your services, it enhances the chances they will become paying clients.” 3. Network

Today’s businesses, like it or not, are often built on relationships. Dr. Schrag says, “It is not what you know but who you know that really counts.” It’s important to build relationships with other people in your industry so you can keep up on emerging trends, and it’s important to build relationships with your customers. Social media provides an almost no-cost — other than time — networking opportunity, allowing you to interact with many people quickly. On Facebook, all you have to do is get people to “Like” your page, and you have a free pass to tell them whatever you want, and if you’re careful about the timing and content of your posts so you don’t annoy them, they’ll keep reading. If you’re lucky, a conversation will start that draws in other people. For success, budget your time, pick a handful of outlets to focus on, and, as with newsletters, provide valuable content, not just your sales pitch. Networking in the physical world is also important. Chambers of Commerce hold events where you can mingle with other businesses. Professional organizations not only provide this opportunity but their own helpful information.

“It is not what you know but who you know that really counts.”

All of this networking and relationship-building will help to plant seeds for perhaps the most credible free marketing: word of mouth; people with no obligation to you telling people about you and your business. 4. Publicize

Publicity, though free when you get it, does cost time and it can be a wild card — you never know what the media will pick up. Instead of focusing on how to create publicity, think about ways to capture it. What are you already doing or planning to do in which the media may be interested? Helping the environment and giving to or helping some cause is also good material. When something happens in which you think people might be interested, send a press release to your local media outlets. Press releases are relatively easy to write if you follow a few basic guidelines, and they have the potential of allowing you to reach hundreds — maybe thousands — of people for free. When writing your press release, remember to include the who, what, when, and where information. Also, make sure to include all of the most important information at the top so that if a media outlet is pressed for space, they can simply cut off the release without losing too much valuable information. Above all, send press releases on newsworthy events or happenings that will be of interest to the newspaper’s readers. 5. Volunteer

Volunteering can directly lead to profit; it allows you to build relationships with people who are passionate about the same things as

Focus on the customer and the benefits your product or service is providing and you’ll never go wrong when deciding on marketing tactics.

you, helping with networking. Kim Hatfield, Volunteer Coordinator for the Davenport [Iowa] Volunteer Connection, promotes volunteering where your passions lie. According to Kim, almost all states have a commission on volunteer services devoted to helping volunteers and organizations needing them, but if working with those organizations isn’t convenient or you don’t have a municipal department, search in the telephone book or online for organizations in your community that might need help. 6. Form Alliances

Are there any types of non-competing businesses with which you regularly work or which you regularly see while conducting your own business? A baker would likely regularly see or be involved in a project with other businesses, even if not directly, like a wedding. A wedding would involve not only the baker, but perhaps a caterer, dress-maker, photographer, disk jockey, or wedding planner. Pay attention to their products and services, listen to what people say about them, and if they seem like someone with whom you could have a good relationship, approach them about forming an alliance. Ask to trade business cards to give to clients or suggest including links on each others’ websites.

“Volunteering can directly lead to profit; it allows you to build relationships with people who are passionate about the same things as you, helping with networking.” 7. Teach Others

No matter your business, you have something to share with others. In addition to giving to others through free samples, you can also do it through paid classes, whether through an already-established educational institution or on your own through seminars. If you do it right, you might even make money. Dr. Schrag relates that he likes teaching and thinks he’s good at it; he found that a way to generate some income and be seen as an expert was through the paid marketing of providing helpful seminars. He advises, “Always charge for a seminar, even if it is a token amount. People view ‘free seminars’ as worthless.” It’s also important to combine this tool with others. Dr. Schrag says, “At every seminar, I offered to provide my newsletter to anyone who wanted it. I provided a postage-paid return card so people could sign up for it. They saw it as a value added gift…and so did I.”

The Cupcake Lady

Recently, a Davenport, Iowa television news program did a story about the owner of a cupcake bakery who showed up at local businesses with a dozen of her specialty cupcakes. She claimed she didn’t do it for marketing, as she simply wanted to spread joy via her cupcakes. The sincerity of her gesture is certainly commendable, but so was her marketing scheme. For a relatively small expense, every time she delivered her cupcakes, she got her product in the hands of twelve individuals who obviously like the occasional cupcake (or they wouldn’t have eaten the freebie), who will likely think of her bakery the next time they need or want cupcakes, and who will tell their friends and family about the delicious cupcakes they got for free from the nice cupcake lady. Not to mention the publicity she got from being featured on the news.

Whatever tools you finally decide to include in your marketing plans, don’t forget to implement them. You can only know if they are going to work if you try them, so it’s important to decide in advance how you will determine you’ve been successful. Always weigh the costs against the benefits. If a particular tool is costing you hundreds of dollars or hours but only bringing in a couple of extra sales or clients, you need to ask if it’s worth it. Above all, focus on the customer and the benefits your product or service is providing and you’ll never go wrong. Jodie Toohey helps people say what they want to say for their business through her professional writing and editing company, Wordsy Woman Word Sales and Service. To learn more about her, her services, and to view samples of her work, visit or email

September/October 2015 | Home Business




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How Is Your Social Media Strategy Working in 2015? Tips to Evaluate and Strengthen Your Social Media Plan By SocialCentiv


ith most of 2015 in the books, it’s a good time for companies to take a hard look at how their social media plans are performing — see what’s working and what’s not — and to make the necessary changes to finish the year strong. Twitter marketing company SocialCentiv, whose marketing software tool helps businesses find new customers on Twitter, outlines steps that organizations can take to assess their social media strategy to improve and polish performance by year’s end. “Sites like Twitter, Facebook, LinkedIn, and Pinterest offer marketers revolutionary tools for reaching and interacting with the buying public,” says Bernard Perrine, co-founder and CEO of SocialCentiv. “But as in any other area of endeavor, these tools are only as effective as the person who wields them.” Not sure where to start your social media audit? Perrine offers tips to help businesses evaluate their social efforts. 1. Review your goals. Social media for social media’s sake isn’t helpful. It’s important to know 1) your end goals, 2) who you want to reach, and 3) what you want them to do. The answers to these questions will vary with every business. While the end game may be the same in all cases—getting people to buy the company’s products or services—the particular audience segment a firm wants to reach will be unique, as will the best role that social channels can play in turning prospects into customers. “The owner of a local pizzeria may want her eatery’s Twitter followers to go to its web site and order slices online,” Perrine says. “A management consultant, on the other hand,

It’s important to know your end goals, who you want to reach,

may want to increase his and what you want them to do when utilizing social media stature as a thought leadoutlets for your business. er in leading corporate turnarounds. These two businesses’ respective goals require totally difTo ensure brand ferent strategies in order to become reality.”

2. Check out customer comments.

Quick searches should give you a good idea on how people are rating the quality of your products and service. You may be surprised—and dismayed—not only by what is said, but who is saying it. “Even at small companies, well-meaning but misguided employees sometimes set up profiles for their employers without bothering to tell the boss,” Perrine says. “All of this can create a host of issues, from confusing customers to leaking trade secrets. We recommend putting together a very clear social media policy for all employees to sign.” Similarly, it’s important to monitor what people are saying about your business on social media. Customers take to platforms like Twitter to provide feedback that, while sometimes harsh, can also be important for corporate leaders to hear. Tools like Mention, HootSuite, Talkwalker, and Social Mention can all help with your efforts. 3. Evaluate the brand position on social media. To ensure brand consistency,

accuracy and effectiveness, you need to check that everything from product information, profile pictures and headers contains consistent, updated logos, images and color schemes. Other elements of the analysis include determining how many posts include images, which tend to increase engagement — such

“ While the end game may be the same in all cases—

getting people to buy the company’s products or services— the particular audience segment a firm wants to reach will be unique, as will the best role that social channels can play in turning prospects into customers.

consistency, accuracy and effectiveness, you need to check that everything from product information, profile pictures and headers contain consistent, updated logos, images and color schemes.

as generating more Retweets on Twitter, what your competitors are up to on social media, and evaluating how you engage with others on social media. Metrics are also important to collect. This effort can be simple, such as using the page insights that Facebook provides, or something more sophisticated, such as through third party technology, notably Followerwonk’s data crunching and graphing service for brands that use Twitter. “There are a lot of resources out there to help execute a successful social media strategy,” says Perrine. “Don’t feel like these are simple, do-it-yourself platforms. They aren’t. You wouldn’t design and print a brochure all by yourself. You’d need help. Treat your social media efforts the same way.” In August 2014, HipLogiq integrated its portfolio of Twitter marketing applications under a single product line, SocialCentiv. Now, businesses can visit and find a user-friendly, do-it-yourself Twitter marketing tool that makes it easy to create a campaign that tracks keywords and reaches relevant consumers with greater precision by targeting local Tweets. You can be part of the most relevant Tweets as they happen, spot opportunities first, and make a name for yourself with SocialCentiv. Visit


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Top 10 Poolside Apps Manage Your Business on Vacation By Pipedrive


hen packing for a summer vacation, most people think about how many bathing suits, shorts, or sundresses they will need. But it’s not as simple as that if you own your own business. You also need to think about what tools to pack to stay on top of your business. In fact, per the recent Office Depot Small Business Index, while nearly twothirds (61 percent) of small business owners plan to take a vacation this summer, 76 percent will stay connected to their work in some way while out of the office. The good news is that business owners can now leave their laptops behind or at least in the hotel room. Below are ten highly-rated business productivity apps for iOS and Android that give business owners everything they need to manage and stay on top of their business when poolside, using just their mobile phone.

“ Ask a virtual assistant to do the heavy lifting while you’re out with Fancy Hands.

1. Access and edit documents with Google Drive, Docs and Sheets – Access all your business files —

spreadsheets, documents, videos and photos — within Google drive from your mobile phone or tablet. Easily invite others to view, edit or leave comments on any files or folders. Get the Google Docs and Sheets apps to edit files from your mobile device. (4+ on App Store, 4+ on Google Play) 2. Stay on top of key deals with Pipedrive – Manage your sales 34

Manage your sales pipeline and see how your sales team is performing while you’re out of the office with Pipedrive.

Home Business


pipeline and see how your sales team is performing while you’re out of the office. Search names or organizations to see full deal history and action items. Access to-do lists and contacts easily. (4+ on App Store, 4.25 on Google Play) 3. Take a photo of a document and turn it into a PDF with Genius Scan

– Use your phone to scan anything you want such as receipts, documents, invoices and business cards. Crop and enhance images and turn them into multi-page PDFs that you can send by email directly to a client or business partner or export to Box or Dropbox. (4+ on App Store, 4 on Google Play) 4. Message employees in realtime using Slack – You easily

communicate with employees — both one-on-one and group conversations — with real-time messaging and file sharing on your mobile phone. Search and archive conversations to refer to past conversations and make sure that nobody is out of the loop. (4+ on App Store, 4.25 on Google Play) 5. Sign contracts and business forms with PandaDoc – Close important

deals by securely signing and sending legally binding documents. Type, draw or upload your signature and easily collect signatures from others. (4+ on App Store, 4 on Google Play) 6. Keep up with the latest business news with Feedly – Easily scan and

organize the latest news from all your business and industry publications and blogs so you don’t miss anything while you’re out. Also track keywords, brands and companies to stay up on competitors or potential partners. (4.5 on App Store, 4.25 on Google Play)

September/October 2015

7. Motivate your sales team without being in the office with Plecto

– Give your employees access to their own sales performance in real-time so they can take initiative to improve their performance without managerial interaction. (4+ on App store) 8. Never be surprised by the weather back at the office with Weather Underground – Returning home

after a nice vacation can be difficult, especially if you’re coming back to less than ideal weather. Get yourself mentally prepared on the plane or car ride home by checking the weather before you return. (4+ on App Store, 4.25 on Google Play) 9. Stay on top of key calls and meetings with Week Calendar

– Hopefully you won’t have any calls or meetings while on vacation, but in case you do, this calendar app helps you stay on top of what’s important. It provides a clear and detailed overview of your schedule, making it easy to quickly see a weekly overview of all your appointments for the upcoming week. (4+ on App Store, 3.25 on Google Play). 10. Ask a virtual assistant to do the heavy lifting while you’re out with Fancy Hands – You can

access thousands of US-based virtual assistants to schedule an appointment and add it to your calendar, schedule a conference call for you and other people, research a question, or reserve a restaurant for an upcoming meeting. (4+ on App Store, 3 on Google Play) Pipedrive offers sales pipeline software that gets you organized. It helps you focus on the right deals, and is so easy to use that salespeople just love it. Great for small teams. Visit

Using Public Data with Ease By Home Business Magazine


hen Ross Cohen and Josh Levy were running their own businesses, they constantly struggled to verify the identities of the freelancers they engaged with online. They wanted to know whether these freelancers should be trusted, so they set out to create a solution: the BeenVerified online background check platform. With 7 million app downloads,10 million monthly site visitors, and over $20 million in revenue in the last year, BeenVerified is now one of the leading sources of background checks — and one of the fastest growing companies in NYC! BeenVerified is an online background check platform that helps people discover, understand, and use public data in their everyday lives. BeenVerified is unique in that it consolidates information from multiple sources, making it a one-stop shop for accessing personal information. They

Ross Cohen (left) and Josh Levy (right) are the creators of

offer free apps for BeenVerified, a one-stop shop for accessing public data. iPhones, iPads, Apple Watch, and Android Ross and Josh enjoy working from home devices, so whether you’re at your desk because they are better able to focus on or on the go, you can implement a search. strategy and complete any busy work Ross and Josh would describe BeenVerified as “an easy and affordable way to use public data.” “Most people think of public data as being criminal records and contact details, but our data also includes property records, social media information, professional licenses, and more,” Ross says.

that has piled up. “Working from home allows for much needed concentration and productivity that I can’t get in an office building,” Ross says. Their greatest business achievement thus far is the fact that BeenVerified “is still in business after eight years, based on the ideas of two people chatting in a living room.”

BeenVerified has 109,000 monthly members who come from all 50 states and include a diverse mix of men and women of different ages. Ross and Josh promote to their customers via a team of marketers, who spend a majority of their time on search engine and digital marketing. They have also advertised on TV.

Ross and Josh are “really proud” of BeenVerified’s success, but they think the sky’s the limit. “We’re working hard to become a ubiquitous brand that everybody knows, because we think we have a tool that everyone in the country could potentially benefit from,” Ross says. Visit

September/October 2015 | Home Business



Two Entrepreneurs Create and Grow the BeenVerified Online Background Check Platform



Hidden Strengths: Unleashing the Leadership Skills You Already Have

and co-founder and managing partner of Skyline Group, wrote this highly insightful, yet easy-to-read book to explain how anyone can tap into their “middle” strengths to excel in the workplace and become an exceptional leader.

By Thuy (TWEE) Sindell, Ph.D. and Milo Sindell

According to Thuy, these “middle skills”—the 70 percent of your abilities that lie between your weaknesses and Natural Strengths—are the best underdeveloped resources for long-term potential growth and development. Focusing either too much on your inherent weaknesses or relying too heavily on your Natural Strengths is a surefire way to stall your forward momentum as a leader.

Have you ever received constructive criticism at work, suggesting that you focus on improving your weaker performance areas? Does focusing on the skills that you don’t possess—and in fact may never develop—really pay off in consideration of the time, energy, and attention you will expend on them? According to two highly successful leadership experts, the answer is simply “no.” Meet Thuy (TWEE) Sindell, Ph.D. Thuy, the co-author of the newly released book, Hidden Strengths: Unleashing the Leadership Skills You Already Have. Thuy, a corporate performance and leadership expert,

The Sales Assassin: Master Your Black Belt in Sales By Anthony Caliendo Did you know? ■

More than 50% of all salespeople close at less than 40%.

The best sales reps are 250% better at qualifying leads.

Almost 50% of all sales teams don’t have a playbook.

Only 52% of salespeople can access key players.

Now, more than ever before, research has revealed that customers value salespeople who are subject-matter experts as opposed to those who use old-school, pressure-based sales methods. 2015 will see the role of the salesperson continue to evolve as top companies invest in teaching their teams how to identify and cultivate opportunities for

Stop Trying To Keep Up With The Joneses: They’re Broke Anyway By Brad Berger, CFP®, CLF® Life is about determining what you really want and figuring out how to make it happen. Each of us needs to strike a balance, and all it takes is understanding what is truly important to you. Stop Trying to Keep Up with the Joneses: They’re Broke Anyway is author Brad Berger’s personal approach to financial planning that goes beyond investment options, performance, and avoiding risk to help you identify your family’s dreams and to start planning together to make them happen. 36

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September/October 2015

As a leadership expert, Thuy has helped countless managers and executives identify and elevate their Hidden Strengths to become effective leaders in today’s fast-changing business environment. “Not growing and stretching yourself translates into a lack of innovation, stagnation, and obsolescence,” says Thuy. “You can’t keep leaning on the things you’re naturally good at, or your strengths will become training wheels.” Hidden Strengths is now available on Amazon,, and in bookstores. For more information, visit and and connect with Thuy on Facebook, LinkedIn, and Twitter.

their businesses. And no one knows the importance of evolving as a salesperson better than sales motivational speaker, consultant and coach, Anthony Caliendo, author of the book, The Sales Assassin: Master Your Black Belt in Sales. Having generated hundreds of millions in sales revenues in various industries over the past 25 years, Caliendo has not only mastered the great vision needed to see the constant, intense changes in the business world, but also has the ability to anticipate and react with the tenacity to sustain success. He shares that success is dependent on your willingness to change direction and reinvest in the knowledge, skills and abilities that will differentiate you from your competition, whether working individually or as part of a sales team. Through The Sales Assassin, Caliendo gives a glimpse into his personal journey to sales success, along with guidance for achieving the belts to Sales Assassin Mastery (aka SAM), focused on a results-driven willingness to be prepared to control your own destiny. The Sales Assassin is available on Amazon,, and other major online booksellers. For more information, visit and connect with Caliendo on Facebook, LinkedIn, and Twitter.

Inside, you will learn to: ■

Align your financial choices with your most important goals and most deeply held values;

Put your entire financial house in order and keep it that way;

Have confidence in your plans and your future in any financial market; and

Focus on the things in your life that are more important than money.

Brad Berger is a managing partner and owner of Cornerstone Financial Strategies LLC, and is a Certified Financial Planner ™ Professional. He has nearly 25 years of experience and serves as the head coach of a team of financial professionals that helps families and businesses to make smart choices about their money for the reasons that are important to them. Visit

after Corporate America 5 Tips on Becoming an Entrepreneur After Corporate America By Entrepreneur and CEO of Wellthie, Sally Poblete


here are plenty of reasons why more people don’t take the plunge from corporate America to entrepreneurship. It’s hard to leave the security and a paycheck from a regular job, and the risk of failure is great. An entrepreneur also has to wear many different hats, like needing to sell to customers, even if your main expertise is in technology or finance. However, entrepreneurship reaps many rewards and if you’re thinking about making the switch, Sally Poblete, entrepreneur and CEO of Wellthie, a digital health technology company offering the only comprehensive software and analytics platform of its kind that helps people understand their health insurance options in a simple way, offers several tips to help you take the plunge: Build on Expertise. If you are coming from a corporation that is a player in your industry, and it’s a big and growing industry, why not start there? Not only will you have a deep understanding of your field, including the competitive landscape, customer buying patterns, regulations, pricing, and other insider knowledge that puts you ahead of people without the background, you will also be able to fast track the process of researching your idea. Search for Unmet Needs. You can likely rattle off a long list of process or product gaps in your industry that new design or technological solutions can address well. The current customers of your industry may be seeking a new solution that industry incumbents can’t deliver well or quickly because

it may be a big behemoth. Start from these nuggets to figure out how your company can solve a gigantic problem, provide a novel approach, or reinvent a broken process using technology.

If there aren’t people in your current network who you can imagine building a company with, get out there and meet new people.

Network to Build Your Team. One of the biggest challenges to a startup is building your team. If there aren’t people in your current network who you can imagine building a company with, get out there and meet new people. There’s an abundance of meet-ups for entrepreneurs, networking sites like Onevest, Start-up Weekends, and co-working spaces where like-minded people are gathering to meet others. Don’t forget to use your contacts to find mentors, advisors, investors, and potential customers. Start Sketching and Prototyping. Even before you need to find or hire developers, start working on putting your product concepts down in a visual to help sell your vision to potential team members and investors. The process of getting your first product right is an iterative journey, and a great designer can help you craft it into a prototype much quicker than you think.

“Even before you need

to find or hire developers, start working on putting your product concepts down in a visual to help sell your vision to potential team members and investors.”

There’s no better time for an entrepreneur to get started. While the challenges and barriers are still high in starting a company, there’s also a robust and active ecosystem that is encouraging entrepreneurs to get started. Professionals with deep domain expertise in an industry possess an advantage — you have honed great skills and experience along the way — and it’s time to apply it to your startup.

“The current customers

of your industry may be seeking a new solution that industry incumbents can’t deliver well or quickly because it may be a big behemoth.”

Start-up Funding. Start-up funding can come from many places — there’s the traditional route of personal savings and friends and family who believe in you and want to fund your idea. There are a growing number of crowdfunding sites like Angelist and Onevest that democratize funding. There’s also a growing number of seed funds, angel investment groups, or incubators whom are focused on funding early-stage entrepreneurs.



A growing number of seed funds, angel investment groups, and incubators are funding early-stage entrepreneurs.

Sally has been a leader and innovator in the health care industry for 18 years. She founded Wellthie in 2013 out of a deep passion for making health insurance more simple and approachable for consumers. Wellthie offers the only software platform of its kind that helps people understand their health insurance options, confidently choose the right plan from their insurer, and make the most of their benefits in a simple way. Visit

September/October 2015 | Home Business




Start Your Home Business on a Shoestring Budget Save Some Serious Cash While Launching Your New Venture By Phillip Whitt


ow that you’ve decided to step into the world of self-employment within a home business environment, there will be many things to consider when setting up your new workplace. Almost everything you do connected to launching your new venture will require a financial outlay. While some costs such as licenses and permits are fixed, you can carefully scrutinize planned purchases and look at options that can save a significant amount of cash. The more operating capital you have, the greater the likelihood of long-term success. There may be a period of little or no income while you’re getting your new business established. Business consultation. Seeking guidance from a qualified business consultant can be of great value to help get your venture off to a good start. Instead of hiring a business consultant, seek counseling from your local Small Business Development Center. This is a valuable resource that won’t cost you a dime since it is funded through tax dollars. SBDC consultants assist small business owners in developing a business plan, marketing, and many other aspects of starting and running their enterprises. Some SBDC locations offer a helpful information packet specifically for home business upstarts.

Buy refurbished computer equipment. If your new home business requires

the purchase of one or more computers, you could enjoy significant savings by going with refurbished models. It isn’t always necessary to have the latest and greatest model desktop or laptop computer. There are several sources for purchasing a good, refurbished computer

“There are several

sources for purchasing a good, refurbished computer model with a decent warranty and return policy.” 38

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Instead of hiring a business consultant, seek counseling from your local Small Business Development Center.

model with a decent warranty and return policy. Start by checking with your local independently-owned computer repair shop. They frequently refurbish older trade-in models and have them operating in peak condition. There are also numerous online suppliers, and Ebay can be a great source of refurbished computers. When buying on Ebay, check to make sure that the seller has a good track record and offers a reasonable return policy. Most computer manufacturers sell factory refurbished models, but they are usually a little more expensive. However, with a factory refurbished model you will get a better warranty. If you require several computers for multiple workstations, try to negotiate a volume discount. Use open-source software and freeware. There are many alternative open-

source software and freeware titles that rival expensive proprietary programs in functionality, and in most cases they are completely free of charge. There are titles for accounting, customer relationship management, page layout design, office productivity, image and photo editing, etc. Depending on how many titles you require, using freeware and open-source software could potentially save you hundreds of dollars annually. The main difference between the two is that open-source means that the source code is openly available for developers in the opensource community to make modifications and improvements. Also, installing the software on multiple computers and freely distributing copies is usually permitted. With freeware titles, the software is free to use (and in some cases, distribute freely) but modifying the source code is prohibited. Some freeware titles are available at no cost for personal use, but require the purchase of a license for commercial use. Whether you’re using open-source software

September/October 2015

or freeware, always read the terms of the license before using. Save money on office supplies.

Making frequent, small purchases of office supplies can add up quickly over time. This is especially true when buying name-brand products. While setting up your new office, make a list of supplies you’ll need on an ongoing basis (such as paper, ink-jet cartridges, tape, etc.) and do some comparison shopping. You might find online suppliers are cheaper than the chain office supply stores. Some online suppliers offer free shipping on purchases that exceed a certain dollar amount. Many office supply chain stores offer a customer rewards program that will mail you coupons for deep discounts after you’ve spent a certain dollar amount. Buying the store-brand version of paper and ink-jet cartridges can save a substantial sum over time. There are some specialty companies that refill ink-jet (or toner cartridges, if you use a laser printer) for cheaper than buying the new, name brand equivalent. Purchasing paper by cases of 5000 sheets can be cheaper in the long run than buying a ream

One way to market yourself is to partner with complimentary businesses to create a referral network. Continued on page 40

Mompreneur Offers Estate Home Business and Start Up Consulting By Sherilyn Henderson


ntering the antique and estate sale industries can be intimidating, but the right person can develop the required appraisal, marketing, and business management skills by consulting with “The Estate Mama.” While pregnant with her first daughter in 2011, mompreneur Lisa Kroese moved with her husband from Pennsylvania to California. They discovered that they spent thousands of dollars moving their things, many of which were broken or did not fit with the house they chose. With the money they would have made selling their furniture instead, they could have furnished their home and saved a lot of stress. Her inspiration for an estates sales company sparked, and Experts Estates LLC hit the market. Lisa began her lean startup home business when her baby was 4 months old, and she landed her first client within weeks of her

launch. “The first thing I did was put together a very affordable but well-written website and I started getting called for consults,” she shares. “Now I get referrals from Realtors, past clients and customers who shop at my sales. We advertise in the local phone book, too.” Half of her sales are from living estates, and the other half are often executors or heirs to an estate. According to Lisa, “There can be a perception that you have to have a huge fancy home with antiques for an estate liquidator to help you, but in reality average middle class homes are full of things that people need and will buy.” Demand for estate liquidation services are high and the estate sale industry is booming. Though she had the honor of handling the estate of Elaine and Jack Palance, Lisa considers Experts Estates’ greatest business achievement to be her team. “I often have an estate sale booked every weekend for eight

Lisa Kroese founded Experts Estates LLC, an estates sales company.

weeks straight, and without an honest and trustworthy team that I can rely on, I would never see my husband or my kids,” she says. Lisa loves the energy and flexibility she gets working from home. “I don’t have to commute and if I wanted to plan 5 vacations a year, I could.” Her Estate Sale Start Up kit is available as a digital download on Etsy. Visit and


Sell Home Goods with “The Estate Mama”

Growing a Career From a Garden Man Founds Company Dedicated to Using Localized Resources for Healthy Food Production By Sherilyn Henderson


hen the World Trade Center was attacked on September 11th, 2001, Justin Rohner happened to have just signed on to purchase his first home for him and his family. “I became acutely aware of how fragile our way of life was, and I was determined to use my own property and all of its resources to become self-sustaining,” he says. Following this revelation, he founded Agriscaping Technologies. To coexist with the very strict Home Owners Association’s standards for lawn upkeep, Justin strategically integrated edibles right in his front lawn in a subtle yet beautiful way. “One day I found myself running full-sprint down the street, chasing a young neighbor girl who stole one of my watermelons!” he says. He discovered he was not alone in his desire to have access to fresh, locally grown food. Justin shares, “It all started with teaching that little girl how to gauge a ripe melon — that they ripen best still attached to the vine.”

Justin previously built a number of successful businesses including a business coaching practice. After attending the funerals of three of his grandparents in a matter of months, he decided to re-invent his life and retired from his ventures. In July 2013, he put all of his resources into The self-described “new-age suburban micro-farmer” explains “Agriscaping” to be an elegant blend of the best of productive, sustainable agriculture, and the best of ornamental landscaping. “We are effectively maximizing the efficient usage of scarce water and land resources, eliminating fresh food deserts, reducing waste, beautifying landscapes, and empowering a new class of agricultural entrepreneurs from all generations,” says Rohner. Agriscaping Technologies has developed a training program that empowers local gardeners and landscaping professionals to become Certified Agriscapers. The company relies on word-of-mouth and going out in the

Justin Rohner, self-described “new-age suburban micro-farmer,” is the owner of Agriscaping Technologies.

community to teach people to create their own homestead and grow healthy, fresh food. “After my three-step commute across the hall, I can dive into my creative work and spend my days serving others in the ways that I see fit,” he says. “Operating from home, there is no distinction between when I am playing or working.” In three years, he sees Agriscaping as a brand that makes a real difference, improving health, self-reliance, and sustainability for millions of people. Visit

September/October 2015 | Home Business



Shoestring Budget Continued from page 38

$300.00 is not a difficult decision to make.


“Depending on how

many titles you require, using freeware and open-source software could potentially save you hundreds of dollars annually.”

of 500 sheets at a time. Reusing items such as file folders and binders will contribute to your overall budget. Printing on both sides of paper when possible can stretch your supply. Save money by finding used office furniture. New office furniture is expensive

and can quickly eat into your budget. You can save a great deal by checking out used office furniture outlets and thrift stores for items such as desks, chairs, and other large pieces of furniture. Used furniture may have minor imperfections, but what matters is that it looks acceptable and serves its purpose. Buying a used desk with minor cosmetic damage for $50.00 that is just as functional as a new desk costing

Save on marketing and promotion.

When your venture is ready to launch, it’s important to announce to the world that you are open for business. It’s equally important to carefully watch expenses while marketing and advertising. Most home businesses don’t have large marketing and advertising budgets, so being creative can go a long way to help. One way to market yourself is to partner with complimentary businesses to create a referral network. Leave a stack of business cards with them, and reciprocate by keeping their business cards and referring customers to them when possible. Joining your local Chamber of Commerce is a great way to network and make contact with new potential

“While setting up your

new office, make a list of supplies you’ll need on an ongoing basis (such as paper, ink-jet cartridges, tape, etc.) and do some comparison shopping. ”

Part of running a successful home business is ongoing learning.

business alliances (and new customers). Another benefit to forming business alliances is that mailing costs can be shared when everyone encloses their marketing materials in the same envelope. Television commercials are beyond the budget of many, if not most home-based businesses. The good news is you can still promote your goods and services on television fairly inexpensively. Many local television stations broadcast a “business highlight” during their newscast. It is a short interview-type segment facilitated by a local reporter or news anchor (about three minutes) allowing the business owner or representative to describe


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September/October 2015

“Keeping abreast of the

Establishing careful business spending practices early on will serve you well over time, and will help your home business to prosper and thrive

Educate yourself for free (or inexpensively). Part of running a successful

home business is ongoing learning. Keeping abreast of the current business trends within your industry, how to be more effective in sales, providing the best customer service, and a myriad of other topics is very important. You’ll undoubtedly encounter a must-have publication from time to time. Before paying full retail for it, see if it’s available at your local library. If it isn’t, there may be a used copy available online. Make cost cutting a habit. After your business gains some traction and your cash flow improves, you may be tempted to be less restricted in your spending habits. However, it’s very important to continue exercising prudence. Establishing careful business spending practices early on will serve you well over time, and will help your home business to prosper and thrive.

Phillip Whitt owns a small home-based business called Whitt’s Image Works (, and is also a published author of the recent work Beginning Photo Retouching and Restoration Using GIMP (published by Apress).

Book Review Double Double: How to Double Your Revenue and Profit in 3 Years or Less By Cameron Herold This book can show you how to double the size of your company in three years or less through the simple, actionable steps of focused planning, focused building, and focused leadership. The steps described to achieve 100 percent growth of your business over three years are simple, but they require one absolutely essential discipline: focus. If you are an entrepreneur and want to be the leader of a $500,000 to $50 million company, you have to focus intently on everything you do to grow quickly and successfully. Everything must be on target and geared toward that specific growth goal.


current business trends within your industry, how to be more effective in sales, providing the best customer service, and a myriad of other topics is very important.”

the products and services offered in a question and answer format. Televised business segments imbue a sense of “implied endorsement,” and tend to have greater credibility than a typical TV commercial.

The idea of doubling your business may seem intimidating, but it only requires growing your business 25 percent per year for three years. This is fast growth, but not hyper-fast growth.

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September/October 2015 | Home Business




Planning for Long-Term Health Care? Tips for Selecting Insurance Options By Steve Castro


hanks to Baby Boomers and modern medical marvels, more Americans than ever are heading into their senior years, and they’re expected to live longer than ever, as well. Barely 50 years ago, our average life expectancy was 62.5 years; today that number has risen to 78.2 years, according to the U.S. Census Bureau. That statistic means that more Americans than ever 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?, (, says there are important questions and answers to consider before making that critical decision.

“The key thing to

balance is the difference between what you think you’ll need and what you can afford between your liquid assets and insurance coverage.”

cared for outside the home initially, so there is a need for both. Q. What should I select as my daily allowance?

Your best bet is to be insured through a long-term care policy for the 90 days of the elimination period.

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. 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 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:

“The key thing to balance is the difference between what you think you’ll need and what you can afford between your liquid assets and insurance coverage,” Casto said. “If you don’t start by asking yourself the right questions, you’ll never get to the answers that will lead to a successful long-term care plan.” Here are some questions — and their answers: Q. Should I opt for nursing-home or in-home 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 42

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A nursing home stay that follows a three-day hospital stay;

Admission to a nursing home within 30 days of hospital discharge;

A Medicare-certified nursing home; and

Physician-certified need for skilled care on a daily basis.

Your best bet is to be insured through a long-term care policy for the 90 days of the elimination period. “These are just a few of the issues,” Casto says. “A good starting point for those planning early is to completely discount the idea of getting a dime from Medicare. Even if it is still around when you need long-term care, the restrictions on Medicare are tightening. You’ll be lucky to get the program to pay for 10 percent of a nursing home stay.” The real answer is to get a solid long-term care insurance policy that is based on a sound plan.

“A good starting point

for those planning early is to completely discount the idea of getting a dime from Medicare.” Your best bet is to be insured through a long-term care policy for the 90 days of the elimination period.

September/October 2015

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 offers presentations on how to increase income while reducing taxes. For more information, visit

From Politics to Entrepreneurship By Sherilyn Henderson

brand,” she explains. Previously working for the prestigious likes of Spurs Sport and Entertainment, Google, UNCF, and the United States House of Representatives, opportunities knocked but she wanted to take her career further. IASA Consulting Group is social media heavy in regards to marketing, and offers an excellent referral program for current clients and friends alike. “Our primary customers are small businesses and individuals looking to develop or further their brand and garner more exposure,” Kendra said. “We love working with folks who are starting from scratch as we truly enjoy the creative process.” With a 99% retainment of her clients, it’s no wonder her business already has three offices in America and is expanding in Europe and South America. Along with her work with IASA, Kendra is currently a partner in both a skincare solutions company and an entertainment marketing firm, and is a Christian television producer.

Breaking Into the City of Magic Master Illusionalist Propels Self-Made Business from His Home Office By Sherilyn Henderson


aster illusionist Michael Grandinetti spends most of his life on the road, performing in stadiums, arenas, and theaters around the world. However, when not traveling, Michael steers his now international business from his home-based office, a situation that has greatly benefited the growth of his company. His journey into building a home-based business began 15 years ago. After graduating from Duquesne University with a degree in Marketing, Grandinetti relocated from Pittsburgh to Los Angeles. Already a successful magician in his hometown, Michael, in his words, had to “hit the ground running” to start from scratch in a new city and to begin the arduous process of gaining a foothold in the crowded and competitive world of Hollywood entertainment. A self-professed workaholic, having a home-based office allowed Grandinetti to keep long workdays, often times beginning work as soon as he would wake up in the morning and continuing until late into the

night, researching contacts, making calls, setting up appointments, and developing new ideas. Slowly but surely, Michael was building his brand. Now performing over 100 shows per year worldwide, the work certainly seems to have paid off. To keep himself top of mind when it comes to the world of magic, Michael is constantly pushing to take his work into new areas, from stadiums, to national parades, to performances with symphony orchestras. His work is promoted through focused marketing plans incorporating social media and direct marketing as well as by maintaining continued relationships with existing clients, including theaters, casinos, television producers, and merchandisers, as well as business executives who routinely use Michael’s custom magic and illusions to show off their messages or products in a unique way. Michael says that his best business achievement has been to transform the dream that he had when he was five years old, to someday be a magician, into reality, while traveling

Kendra Y. Hill is the founder of IASA Consulting Group, which specializes in marketing, fundraising and brand management for small business, nonprofits, corporations, and individuals.

This fall, Kendra plans to launch the Mogul NU Entrepreneurship Program (Mogul Nurturing University), a 9-month all-digital program focused on developing entrepreneurial skills needed for the future moguls and thought leaders of America. A catalyst and game changer that was awakened at the heart of business, community and service, Kendra has paved a way for herself as a marketing and business professional, mentor and advocate for diversity. Visit

Photo Pho to cou ouurte tesyy of Mic te Michae haell Gran hae Gran andin ndin d ettti M Magi a c. agi c


endra Y. Hill, game changer and modern mogul, was about to turn in her application to run for San Antonio City Council. Strongly prepared with a campaign manager, accountant, and a publicist, Kendra was ready for her political journey. Her entire focus shifted that same day when she came across the American Express report on small businesses, which cited San Antonio, Texas and Washington DC as the top two cities for small business expansion. Knowing that she could aid in her city’s economic development and bring about the change she wanted to see, she shredded her application for city council and filled out an application to start a business. Four and a half years ago, she founded the IASA Consulting Group, a boutique consulting firm specializing in marketing, fundraising and brand management for small businesses, non-profits, corporations, and individuals. “We provide services ranging from media curation, to website development, to social media – anything that can build a better


Modern Mogul Starts Consulting Firm to Help Small Businesses In Her Community

Michael Grandinetti is a master illusionalist with a self-made magic business.

an unconventional career path. When asked about the future, Michael plans to expand his business into additional television productions and long-term theater residencies. However, a home-based component of his business will always exist. “I love what I do,” Michael said, “and being able to wake up and immediately get to work is something that I’ll never change.” Don’t miss Michael when he stars in “Masters of Illusion” on The CW and “Don’t Blink” on Pop TV this summer! For more information on Michael Grandinetti, please visit

September/October 2015 | Home Business



Cash-In Services! Continued from page 18

“There is a clear line between


experts who have built a platform and brand around their expertise and experts who are great at their work but haven’t figured out how to launch that one big idea or build a truly successful platform.” “master of your own fate?” Entrepreneurship — the foundations on which America was founded — is one such way, and with our connected and digital society it’s never been easier. It can be as simple as finding a product you are passionate about, with a proven track record, that you’d feel proud to promote to your own network. There are a number of companies with products that might be of interest, but it’s important to find one that will provide the support you need to help you succeed. Imagine running a business without having to commute, comply with a dress code, or manage payroll and inventory? The direct selling industry may be the right personal service business for you. Forging your own path and establishing yourself in direct selling can seem

10 Steps to Running a Successful Home-Based Service Business These 10 easy-to-follow steps will help your home-based service business become a success: 1. 2.

3. 4.


Plan ahead. Make plans for every eventuality that may arise. Put money aside. You’ll need funds to tide you over while your business grows. Organize your time. Be responsible and manage your time wisely. Organize your space. Organize your home office so you can function efficiently. Stay focused. Remove as many distractions as you can from your home office.

overwhelming so it’s important to work with a company that will guide, inform and support you. In direct selling, find a successful system that provides the confidence and knowledge to personally share the benefits of its products with others, making it easy to get started and keep going.



Figure out tax laws now. Do your research now and be prepared come tax time. 7. Advertise. Spend money now to market your business effectively. 8. Get the proper office equipment. Check out the Business Products comparison engine at 9. Cover your assets. Purchase the insurance you need. 10. Don’t get discouraged. Success does not come overnight. It will require dedication, hard work, and a lot of extra effort to make it a reality. Stephon Anderson is a professional home business internet marketer since 1999. To see how Mr. Anderson makes a full-time income using just the Internet, visit his site at:

While increased flexibility and time savings are two of the biggest benefits of direct selling, it is much more than that. Becoming a business owner and being part of a close network allows individuals to take back control of their lives and become real masters of their own fates.


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structures to support your organization to gain the necessary business-building distinctions as they step into the position of being empowered, self-motivated leaders in massive action of their own. You’ll need to support people to grow in skills, confidence, and commitment levels. 5. Your organization will only grow as rapidly as you do personally. This will require creating an effective personal development program to support your own growth and effectiveness and that of your team.

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Spoiled Brats and 5 Dollar Teez Man Launches Two Consecutive Apparel Brands Against All Hurdles By Sherilyn Henderson


tarting out hand painting tee shirts in their early twenties, Steve Hechtman and his wife Cheril began their business in Cheril’s parents’ basement with just under a hundred bucks. With Cheril’s art degree and Steve’s “school of hard knocks degree” growing up in a rough New York neighborhood and working in New York’s garment district, they persevered and created the world famous apparel brand “Spoiled Brat®.” The brand sold 5 million dollars worth of apparel to retailers including J. C. Penney and Macy’s. When larger, more established firms got wind of their success, an unrelenting onslaught of infringement and legal battles ensued. Amalgamated with their son’s traumatic diagnosis of autism, these events created the perfect storm and the business came to a grinding halt. After 10 years of working various jobs, Steve listened to the cries of some of his favorite restaurant owners: “I can’t find a reliable printer to do my shirts,” “I don’t have the time

to go to a screen print shop or try to design a shirt myself,” and “Who can trust a stranger with my money online to do shirts?” 5 Dollar Teez, LLC was born. Steve and Cheril fill that huge demand for fast, low-cost custom apparel for local businesses. When Steve read an article in a famous business magazine saying that startup costs for an at-home tee-shirt business run between 2,000-10,000 dollars, Steve felt compelled to show how this could be done for under 500 bucks. Many friends and relatives asked the same question when Steve and Cheril built another successful venture with 5 Dollar Teez, after the Spoiled Brat® sensation in the tee-shirt business: “How did they do that?” Their newest venture is to share their experience and knowledge in The “American Tee Shirt Sniper” course, which is a step by step how-to guide for aspiring entrepreneurs in the custom tee-shirt business who want to get it done “like a sniper,” be their

Steve Hechtman and his wife Cheril own 5 Dollar Teez, LLC, a low-cost t-shirt printing company for businesses.

own boss, and fill that niche in their own city. One of Steve’s students went on to sell over 50 million dollars worth of apparel to a major mall-based retail chain. Steve says, “Give me someone with heart and desire, and I will happily arm them with experience and knowledge.” Visit and


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September/October 2015

One of “Oprah’s Favorite Things” By Home Business Magazine


hen Amanda Henke was pregnant, she was craving caramels like crazy and wanted to make them at home using natural ingredients. After many attempts to make caramels in her own kitchen, she was introduced to Annie B’s, a company that has been making handcrafted caramels and popcorn in small batches since 1978. The caramels were so delicious and the timing was so perfect, that Amanda and her husband purchased the company in 2013. Amanda and Annie B’s have their treats in small businesses across all 50 states. They pride themselves on using local and natural ingredients and offer a completely gluten-free product line. Each beautifully wrapped caramel is slow cooked in copper kettles, so they have a truly delicious buttery flavor and smooth texture — handcrafted the way candy used to be made in eras bygone. Annie B’s caramels are so good, that Oprah named them one of her “favorite things!” Cash-In Services! Continued from page 45

Collecting Becoming a Successful Collector By Jeff Figler If you are a true collector, you get pleasure from the pieces themselves. Some people collect particular items because they are familiar with those items, such as religious items, postcards, and sports memorabilia. A fad such as Beanie Babies or Pokemon cards may lend itself to be collectible items. Of course, the scarcity of the items will help dictate the value of such items. Some collectors are also investors, and resell items for a profit. If you do plan to sell your acquired purchases, make sure that you do not overspend. You might not be able to sell the items for as much money as you had anticipated. Quite often collections start and flourish by accident. Take the case of a person who collected comic books when he was young. He refused to throw any of them away, and after a number of years he realized how valuable some of the comics were, especially some of the early Action, Detective, or Marvel comics. The “Golden Age” of comics, from about 1935

Prior to taking over Annie B’s, Amanda and her husband worked in marketing for higher education and management in the snack manufacturing industry. Amanda and her husband manage all aspects of Annie B’s and target two main markets: women ages 30-65 and, on the wholesale side, small family businesses like theirs. Rather than implementing large advertising campaigns, Amanda says she takes a “grass-roots approach” to promotion and relies on excellent customer service, word-of-mouth, and social media marketing. According to Amanda, working from home has many advantages “I love the flexibility, the freedom to work in jeans and a baseball cap if I wish, not having to spend time and money on a commute, and being able to have our dog, Jiffy, in our office all day,” Amanda says. Being honored as one of Oprah’s Favorite Things in 2014 has been Annie B’s biggest business achievement thus far. “When we took over in 2013, we did a brand refresh

“While increased flexibility and time savings are two of the biggest benefits of direct selling, it is much more than that.”

to 1955, produced some issues that are worth a great deal of money nowadays. An unrestored copy of Action Comics#1 from 1938, which included the first appearance of Superman, can be sold for $75,000. Various baseball cards that kids would regularly buy and trade can generate thousand of dollars as well. On the other hand, some people offer the personal service of buying other people’s collections. This can happen for a couple of reasons. First, certain types of collections, such as a collection of original Beatles memorabilia, are worth a lot of money, and people will invest in these collections thinking that their value will only increase. Second, peoples’ interests change, and now they may be interested in items that did not previously interest them. Keep in mind that whenever and whatever you collect, and no matter how your collection came about, it should bring you enjoyment

Amanda Henke and her husband are the owners of Annie B’s, which makes handcrafted caramels and popcorn.

that attracted the Creative Director from O Magazine to our booth at a show,” Amanda says. “I believe trusting ourselves to update the brand to fit our vision was the initial contributing factor for such great recognition.” And where does she see Annie B’s in 3 years? “We would like to expand our product offerings beyond caramels and popcorn, but we haven’t clearly defined what those products might be yet.” Visit


Mompreneur’s Caramel Company Rebrand Leads To The Honored Recognition

and happiness along the way! It is the journey that counts. Jeff Figler has authored more than 600 published articles about collecting. He is one of the world’s leading experts on collectibles and is a former sports columnist for the St. Louis Post-Dispatch/STL Today, and San Diego Union Tribune. In addition, Jeff is a Professional Certified Sports Memorabilia Appraiser. For more information, visit or email him at

Cash-In! Business services, consulting services, and personal services are major and profitable segments of the home-based industry. If you have not yet started a home-based business or are looking to begin in another, you will find this issue’s table of “cash-in services” opportunities particularly informative. Do the necessary research on the home-based services companies that interest you before making an investment of time and money. Whether you choose to offer a business service, consulting service, or a personal service, follow the advice and tips suggested by the panel of experts in this article and “cash-in” with your home-based business. For additional information on home-based service businesses, visit and

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order room service around the clock, and you feel this freedom that comes from being able to wander around in life. Now I would much rather spend time at home with family and enjoy the kind of comfort that comes with that. I’ve always loved family, and it’s more important to me now than ever. I live for my boys and I want to make their lives as beautiful as possible. That’s what comes with the responsibility you feel as a father. Until you have children, it’s hard to understand what that really means.

CF: We shot the film mainly in County Kerry in the southwest of Ireland, and that’s the region I feel closest to in the world. The people there are so warm and generous. I was very happy to spend time there, and every few years it seems I’m getting the chance to work and live in Ireland. I wasn’t even looking for a film to shoot there this time — The Lobster came by chance. Even though I live in Los Angeles, there’s nothing better than the feeling of coming home to Ireland. It’s such a joy for me to go back home.

Q: You shot The Lobster in Ireland. Are you happy at having the chance to work in your native country?

Q: What do you like to do when you’re not working on movies?

“I can imagine people having incredibly intense debates after they watch this movie and try to provide their own interpretations and figure out what it’s saying about the human condition.” – Actor Colin Farrell 48

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CF: I live, I breathe, I go to the movies, and I eat. As a kid, I loved junk food, particularly cheeseburgers and pizza. I love all kinds of cheese, but especially parmesan, gruyere, and cheddar.

Courtesy of Reuters

Interview with Actor Colin Farrell Continued from page 20

Q: You’ve played in so many different kinds of movies and genres. Is there any one role which transcends the others?

“I’m very curious about human behavior and what makes us tick.” – Actor Colin Farrell

CF: Working in Neil Jordan’s Ondine meant a lot to me. My son was born as a result of being part of that (he began a relationship with his Polish actress co-star — Alicja

Bachleda, who later gave birth to his boy, Henry). That film and that experience will always occupy a special place in my heart.

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


ave aveyou youever everwatched watchedJudge JudgeJudy Judy or or any any of of those those mid-afternoon mid-afternoon court courtTV TVshows showswhere wherepeople people sue sue each each other other for for unpaid unpaid rent rent or services? services?InInmany manycases, cases,Judge JudgeJudy Judyslams slamsdown down her her gavel gavel and and barks barks orders ordersatatthe thedefendant defendanttotopay payup, up, but but here's here's aa little little known known fact: fact: the the court courtdoes doesnot notenforce enforcethat thatjudgment. judgment.And And that that goes goes for for non-televised non-televised court courtcases casestoo. too. That's That'sright, right,just justbecause because aa judge judge orders orders someone someone to to pay pay aa debt debt doesn't doesn'tmean meanthat thatperson personisisgoing goingtoto do do 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 neversee seeany anyofofthat thatmoney moneyagain, again, never they'remore morethan than happy happy toto pay pay sosothey're Christina'sfee. fee. Christina's Anotherattractive attractive aspect aspect ofof this this Another

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

Christina Smiley Smiley

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

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Profile for Home Business Magazine

October 2015 - Home Business  

Cash in Services! Experts advice on how to start-up and prosper in a home-based business service or personal service. Plus Interview with Ac...

October 2015 - Home Business  

Cash in Services! Experts advice on how to start-up and prosper in a home-based business service or personal service. Plus Interview with Ac...