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        a home based business onlinehome business ideas


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        ============================================================
                        A Home-Based Business Online
        ============================================================

              for your
                      
                              January 13

                           Sent to 2,739 subscribers

                           Editor: Elena Fawkner
                       Publisher: AHBBO Publishing
                         
                         Contact By Email
         
         

        ============================================================
                               IN THIS ISSUE
        ============================================================

        1.  Welcome and Update from the Editor
        2.  Home-Based Business Idea of the Week - Finance Broker
        3.  Feature Article - How the 9 to 5 Grind Could be Costing
            You More Than You Earn and How a Home-Based Business
            Could Be the Answer
        4.  Real Life Success Stories : Honeybee Gardens
        5.  Freebies
        7.  This Week's Web Site Pick
        9.  Subscription Management
        11. Contact Information
         

        ============================================================
        1. Welcome and Update from the Editor
        ============================================================

        Hello again and a warm welcome to all new subscribers!

        This week we have a guest article with a difference.  I got
        chatting to a new subscriber this week and her story was so
        motivating I invited her to write a segment for AHBBO.  I've
        called it "Real Life Success Stories" and it's at segment 4.
        If you have a real life success story, why not share it with
        the rest of us?  I for one would love to hear about what
        happens at the OTHER end of the struggle for a change!

        A reminder that the AHBBO newsletter publishing tutorial
        starts next week. So, if you've been thinking about starting
        your own online newsletter (ezine) but haven't known where
        to start, this tutorial is what you've been looking for.

        Remember, this newsletter is for YOU! If you have comments
        or suggestions for topics you would like to see addressed,
        or would just like to share your experiences with other
        subscribers, I want to hear from you! Please send comments,
        questions and stories to: Contact By Email
         

        ============================================================
        2. Home-Based Business Idea of the Week - Finance Broker
        ============================================================

        If you've been wanting to get into something that doesn't
        require all of your time, yet could give you an income of
        $100,000 per year or more, a Business Financing Service is
        definitely something you should consider.  This is the kind
        of business that requires no special education or even a
        storefront office; won't take much of your time, yet offers
        more prestige, power and fast earning potential than just
        about any business opportunity available to the ordinary
        working person.

        The average net profit of people in this kind of business is
        $75,000 per year, before taxes.  Most began on a part-time
        basis, operating out of their homes.  Within a short period
        of time, varying with expenditure of time and effort, most
        have luxurious professional office suites with many clients
        from all over the country calling and asking for help.
        Perhaps best of all, this is a business you can operate with
        nothing more than a part-time secretary/bookkeeper, a
        telephone, and business cards.

        There are many facets of this kind of business, which
        involve bringing lenders and borrowers together for venture
        capital, operating capital, expansion capital, and of
        course, mortgages of all kinds.  Concerning mortgages, look
        at it from this point of view:  almost every building in the
        country - homes, office buildings, factories, apartments -
        has a mortgage on it, and somebody is making some really big
        commissions bringing together the people wanting the money
        and the people wanting to lend the money.

        A business financing or money brokerage business is the
        ideal sideline business for real estate brokers, sales
        persons involved in business sales, investment brokers,
        attorneys, accountants, and retirees from almost any
        occupation.  This is definitely one of the truly recession-
        proof businesses that actually seems to flourish in times of
        tight money.

        For the rest of this lengthy report, see:

         

        -----
         

        There are many more ideas like this in AHBBO's Home Business
        Ideas page at AHBBO Unique Home Based Business Ideas with more being added all the time.
         

        ============================================================
        3. Feature Article - How the 9 to 5 Grind Could be Costing
           You More Than You Earn and Why a Home-Based Business
           Could Be the Answer
        ============================================================
         

        By Elena Fawkner

        This article is directed to all you parents out there
        with pre-school children who would prefer to quit your jobs
        and stay at home with the kids but think you can't because
        you think you "need" a second income.  don't be so sure.
        That 9 to 5 grind may be costing you more than it抯 paying
        you.

        Let's say you're a parent of two pre-school children and
        you're earning $25,000 a year ($500 a week) in your full-
        time job.  Let's see where the money goes.

        First of all, you don't have family nearby to care for your
        children while you're working so you put them in daycare.
        That takes care of $150 a week, leaving $350.

        You need a car to get to work and your kids to daycare.
        Let's be optimistic and say you have only a modest car
        payment of $50 a week.  Your other expenses are fuel,
        insurance and general maintenance.  Fuel is $25 a week,
        insurance $10.  Allow another $10 a week for new tires,
        servicing and repairs.  So $95 a week goes towards your car.
        That leaves $255 out of your weekly paycheck.

        You work in a professional office so you must dress
        accordingly and be well-groomed.  Allow $10 a week for
        clothes and accessories, another $5 if you're female for
        cosmetics and haircare.  There's another $15 a week leaving
        you $240 out of your weekly paycheck.

        With so much to do to get the kids organized in the morning,
        you don't have time to make your lunch so you buy it every
        day.  At $5 a day that's $25 a week.  You're down to $215 a
        week now.

        And after putting in a full day at work you don't always
        have the time or energy to cook a family dinner from scratch
        each night and so once a week you pick up take-out on the
        way home ($20 for four people) and spend more on
        prepackaged foods at the grocery store each week.  Let抯 put
        this at another $20 a week. This additional $40 a week for
        convenience foods leaves you $175 out of your weekly
        paycheck.

        Still worth it, you say?  Oops ?forgot about taxes, social
        security and health insurance!  Better deduct another $100
        a week for that little lot.  Now you're at $75.

        Now, you tell me, is $75 worth working a 40 hour week for?
        Is your time really worth as little as $1.80 an hour?  And
        that's not even taking into account what your income does to
        your partner抯 tax bracket!  Without being able to claim you
        as a dependant it may put it over the top and the increased
        tax paid on your family抯 primary source of income could well
        mean that the net contribution of that second income is a
        deficit!  If that's the case, it抯 actually COSTING you to
        work outside the home.

        If you find yourself in this situation, there is an answer
        a home-based business.  You can forget about daycare costs,
        you're there!  How difficult do you think it would be to make
        $75 a week working from home?  Easy!  In fact, it would not
        be difficult to generate the same level of income from your
        home business as you were generating from your full-time job.
        But because you don't need to incur the unnecessary expenses
        such as daycare, vehicle expenses, clothing and food, you can
        be MUCH better off.  Not only that, you can now claim home
        office tax deductions!  And all of that's just focusing on
        economics.  Factor in lifestyle and family issues and a home-
        based business can literally take your life back and give
        you back to your family.
         

        ===========================================================
        4. Real Life Success Stories : Honeybee Gardens
        ============================================================

        By Melissa Hertzler
         

        I started my business, Honeybee Gardens, manufacturer of
        all-natural herbal bath and body care products, in August of
        1995.  I was 27 years old, and working as the business
        manager of an architectural firm.  I was also back in
        college working on an MBA.  And I wasn't happy.  I was the
        only female in a firm with 7 men.  Though I was educated
        and basically responsible for all business functions, I knew
        I had advanced as far as I could.  My bachelor's degree is
        in English/Communications.  In college and for two years
        after, I had worked as a reporter for the local newspaper.
        Again, I found that career path politically-motivated and
        disappointing.  It had finally sunken-in that I was not born
        wealthy, I would have to be working for at least the next
        35 years of my life, so I'd better do something that gives
        me some joy.

        As with many businesses, my company was created out of a
        simple need.  I married my husband, Randy, not long after
        graduating from college in 1990.  As newlyweds, you begin to
        learn things about the other person because you now live
        with them.  I soon discovered something about Randy - he
        hated shaving.  His face would become red and irritated with
        the first swipe of a razor.  I used to buy him expensive
        aftershaves and shaving potions, but nothing seemed to work
        (some even aggravated the problem).  I had been growing and
        casually studying herbs for years, and decided to test some
        of that knowledge in order to save my husband's face.  It
        took time.  Randy, acting as guinea pig, sampled formulas
        on almost a daily basis.  One was too gentle.  One wasn't as
        soothing.  With each trial, the results were documented.
        More research ensued.  Finally, one day, he proclaimed,
        "This is it!", and our Herbal Aftershave was born.

        But starting a business was not my intention.  For years my
        husband coaxed me to share this wonderful formula with the
        public.  By now, I was making moisturizers, powders and
        other preparations in addition to the aftershave.  I just
        didn't think this little hobby of mine could take the place
        of my good paycheck, benefits, etc.  But corporate life
        left much to be desired.  After working eight hours a day in
        sterile, sickly, artificially-lit environments, I routinely
        retreated to my herb gardens for solace.  Nightly, I retired
        to my library to learn more about these glorious useful
        plants.

        It was so soothing to view the lovely pictures of heavenly
        gardens, while feeding my desire for knowledge.  Having an
        herbal business would be the perfect marriage of my acquired
        business skills, desire for independence, and love of
        gardening.  Financially though, it just didn't seem like a
        possibility.

        And then it happened.  The architectural firm I worked for
        wasn't doing very well.  The work just wasn't out there.
        So they started laying off - just about everybody.  The only
        three left were the two partners and me....and my hours were
        cut to 20 a week.  Flustered, I took part time consulting
        positions elsewhere.  It was agonizing.  One night my
        husband looked at me and said, "You're spending all this
        time working to build and maintain other people's businesses,
        when you could be building your own."  He was right.  The
        next day I called my lawyer and had him start the paperwork.
        Honeybee Gardens was born.

        The first mail order catalog was designed on my home
        computer, printed on an ink jet printer, and contained only
        six products.  I placed word ads in herb magazines.  And
        requests for my catalogs started coming.  After only one
        year in business, Honeybee Gardens began to receive
        attention and recognition from well-known authors and
        herbalists.  (Let me note, that at this point, I still had my
        part time job with the architectural firm).  The Summer '96
        catalog introduced over 25 new products, and HBG was
        featured in the local newspaper (ya know, the one I used to
        work for!).

        By 1997, things were starting to get serious.  I knew that
        in order to take the next step, I had to make an investment.
        My husband gave me $10,000 from his retirement fund (with
        the words, "Why invest in some big company, when I can
        invest in yours").  I hired graphic artists to create the
        Honeybee Gardens logo and implemented professional labeling
        of my products.  A professional catalog, letterhead and
        business cards were introduced, and credit card acceptance
        began.  I knew my time at the other firm was limited.

        1998 brought a web site, national distribution by two major
        natural product distributors, a design award for my logo,
        articles in trade publications and an herbal cookbook,
        expansion of contract manufacturing, private label services
        and finally full-time employment for me by my own company.

        But 2013 was the best year so far.  We participated in our
        first international trade show, landed a huge private label
        contract with a well known novel company, got picked up by
        another national distributor, got picked up by Canada's
        largest natural product distributor, and achieved web
        presence through some renowned web sites.  Oh, and we
        finally hit 6 figures in sales.  My goal for this year is to
        hit 7 figures.

        It wasn't easy..and it's still not easy.  I work, literally,
        from morning 'til night.  I can't tell you how many times my
        husband wakes up at 2:00 a.m., walks into my home office,
        and peels my face off the keyboard.  I still battle the
        desire to vacuum when I should instead be paying bills.  I
        miss the twice yearly vacations my husband and I used to take
        - I just can't be away from HBG that long.  That daily jog
        I used to do with my friends after work - gone.  Since my
        work days are no longer "8 to 5", I find it difficult to
        just stop working and drive out to meet them.  So I bought
        a treadmill.  My husband accuses me of being a workaholic,
        and I've resolved this year to address that issue.  I plan
        to exercise regularly, pry myself away from my telephone
        and computer at least twice a day, and endeavor to have at
        least one conversation a day that is NOT business related.

        But there are rewards too.  My animals love that I'm usually
        home with them (I only spend a few hours a week at our
        manufacturing facility).  Nobody cares what I'm wearing to
        work, or if I have make-up on.  I can take a shower at 10:00
        a.m.  And I'm creating my OWN destiny.  It feels so good to
        finally have my products - which were originally formulated
        in my KITCHEN - right up there next to those well-known
        brands....to have people write letters to me thanking me for
        creating products which are 100% natural and don't cause
        skin irritation or pollute the environment....to have the
        possibility of having enough money to make a difference in
        my community in some way (to give back).

        ------

        To submit YOUR real life success story for a future AHBBO
        feature please email me at: Contact By Email
         

        ============================================================

        ============================================================

        ============================================================
         

        ============================================================

        ============================================================
        7. This Week's Web Site Pick - Lockergnome
        ============================================================
        http://www.lockergnome.com

        Although I抦 featuring it here as a website, this site is
        the home for the Lockergnome Newsletter, a daily
        publication full of the best of the best free software and
        utilities on the web.

        Here抯 an excerpt from the About Us section:

        揊rom the husk of the Silicorn Valley (Des Moines, Iowa),
        Chris Pirillo distributes one of the world's hottest e-mail newsletters.
        Lockergnome (pronounced lah-ker-nohm) is Chris
        Pirillo's brainchild; on a regular basis, he covers software,
        sites, and stuff related to Microsoft Windows and the
        Internet. Whether you like HTML or text newsletters, Chris's
        info keeps you covered. Technology neophytes and wizards
        alike love to read the free daily and weekly publications.
        Customer Satisfaction is one of Pirillo's primary goals, and
        his readers will tell you that that the service is the most
        helpful and entertaining.

        揥ithout a marketing budget or business plan, the
        Lockergnome subscriber database has swelled to ~200,000
        within a couple of years. Heralded as the 'King of Click-
        Thrus' by featured authors, Chris has solidified his place
        in the e-mail publishing industry. His best-selling book has
        been recognized as the Bible of E-mail Publishing; it shot to
        the top of Ingram's charts within days of publication (and
        pre-sold more copies than any other computer book in Amazon.
        com history). His writing style is always fun, informative,
        and friendly to both professionals and novices.?
         

        ============================================================
        9. Subscription Management
        ============================================================
         

        To SUBSCRIBE to this Newsletter:
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        To UNSUBSCRIBE from this Newsletter:
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        If you find this newsletter valuable, please forward it
        in its entirety to your friends, family and associates!
         

        ============================================================
        11. Contact Information
        ============================================================
         

        Elena Fawkner, Editor
        A Home-Based Business Online
        Contact By Email

        ============================================================
         

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