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          A Home-Based Business Online

           March 17

            Sent to 4,487 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 - Home Health
          Care Agency
        3.    Feature Article - Keeping It In the Family
        4.    Newsletter Publishing Tutorial - Part 8 - Administering
          Your Subscriber Database - Manual versus Automated
        5.    Pro-motion Column - Answers for the "Pro in Motion"
        6.    Freebies
        8.    This Week's Web Site Pick
        9.    Next Week in A Home-Based Business Online
        11.   Subscription Management
        13.   Contact Information

        1. Welcome and Update from the Editor

        Hello again, and a warm welcome to all the new subscribers
        who have joined us this week!

        There are a few odds and ends to bring you up to date with
        this week.

        A number of you have asked whether the articles published
        in AHBBO are available as a collection in e-book format.
        At present they're not but I intend to do this in the coming
        week, hopefully in time for next week's issue.

        As many of you have requested, ALL prior instalments of the
        AHBBO newsletter publishing tutorial are now available by
        autoresponder. Addresses are given in segment 4 below.
        Also, the completed tutorial will be made available in ebook
        format upon conclusion (mid April or thereabouts).

        I'm delighted to announce that in a few weeks I will be
        launching a brand new AHBBO website at a new address:
        www.AHomeBasedBusinessOnline.com . This will involve
        a major upgrade of the existing site and promises to be a great
        work from home resource. And, of course, it will remain
        absolutely FREE! I'll keep you updated on progress. If there
        are any special features you'd like to see at the new home of
        AHBBO, please let me know and I'll take your ideas on board.
        Send your suggestions to .

        Finally, for all of you wishing you'd got in on the ground floor
        of Cookie Cutter (an excellent program, by the way), keep an
        eye out for next week's issue of AHBBO. I'll be reviewing a
        comparable and promising program that's still in its relatively
        early days.

        Anyway, that's enough to be going on with for one week. Thanks
        for being with us and I hope you enjoy this week's issue!

        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 - Home Health
        Care Agency

        Remember when doctors used to make house calls? No?
        Me either. But I'm told by several very reliable sources (one
        of whom is my mother) that at one time doctors actually
        ventured out of their surgeries and attended their patients in
        their very own homes! Hard to believe? Well, not for long.
        It appears that a groundswell of demand for in-home medical
        attention is reviving the good old housecall but in a decidedly
        21st century kind of way.

        The Entrepreneur.com start-up kit gives a good general
        overview of what's involved. Essentially, a health care agency
        works with doctors, nurses and other caregivers to coordinate
        patient care for clients in their own homes. Health care agencies
        can take the form of fully-fledged nursing agencies or just a
        referral agency. A nursing agency is a much bigger type of
        operation and anyone wanting to start a home-based operation
        would be well-advised to start out as a referral agency and
        expand later into a nursing agency if that's the future direction
        of the business.

        Useful sites:

        American Federation of Home Health Agencies

        Tender Loving Care

        Wisconsin Department of Health and Family Services


        Home Health Agency Handbook
        Rector Press, Limited

        The Home Health Agency Policy Manual
        by Marilyn D. Harris

        These titles may be ordered online through Barnes & Noble


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

        3. Feature Article - Keeping It In The Family

        By Elena Fawkner

        I'm sure you've heard this dreaded statistic before: the failure
        rate of all start-up businesses is around the 90% mark.  Add
        to that the further distinctly unpleasant fact that roughly 50%
        of all marriages end in divorce and you can quickly see that
        the odds of your new small business succeeding, already
        slim, become positively anorexic if you run your business in
        partnership with your spouse.

        So, what are some of the key challenges faced by newly
        entrepreneurial couples and what can YOU do to reduce
        the chances of becoming a statistic?


        A structure is only as strong as the foundation upon which
        it's built.  If you're in business with your spouse, the
        foundation of your building is the relationship.  That needs
        to be like bedrock before you even *contemplate* starting
        a business together.

        Make sure you honestly assess your commitment to the
        business and to each other up front.  Do you share the same
        family values and desires?  Do you plan to have (more)
        children?  If so, how do you accommodate family
        responsibilities and build a business at the same time?

        Discuss these issues before they arise.  The last thing you,
        your business, your relationship or your family needs are
        nasty surprises.  If you simply assume your spouse will cut
        back on the business and assume the lion's share of the
        parenting responsibilities, think again.  Your spouse may
        be making the same assumption ... about you!

        Preserve and nurture what's led you to where you are
        today: your relationship with each other.  And that may not
        be as easy as it sounds.

        At least in the early days of the business, your relationship
        will need to thrive on a lack of quality 'couple' time or, indeed,
        any time at all!  It is by no means unusual for new business
        owners to be working 16 hours a day, 7 days a week to get
        their businesses off the ground.  That's one very important
        reason why your relationship needs to be in good shape
        before you go into business together.  You don't want to
        be subjecting a relationship in trouble to that sort of

        Look for ways to retain romantic intimacy.  When you're
        working 16/7 that won't happen by itself.  One good idea is
        to schedule 'dates' on a regular basis.  Even once a week
        can make all the difference.  Just make sure you don't
        use the time to talk shop.  This is supposed to be romantic
        time for the two of you as a couple.  Tomorrow's the time to
        discuss business and it will be here soon enough!

        You can, I'm sure, think of many other ways to keep romance
        alive.  Start little rituals, such as candlelight dinner breaks,
        for example.  The important thing is to always stay aware of
        this area of your relationship and don't let it slide, no matter
        how absorbed you both become in your new business.
        You'll probably find you take it in turns being vigilant in this


        It is absolutely crucial that each of you has your own clearly
        defined areas of sole responsibility.  Any business needs one
        and only one person to make a final decision.  This
        doesn't mean that one person makes all the decisions, it
        just means that one person makes the final decision in his
        or her area of sole responsibility.

        Start by allocating business responsibilities between you and
        having a very clear understanding that each of you has final
        decision-making authority in your respective areas.  Under no
        circumstances should you encroach on your partner's area
        of responsibility and/or override his or her decisions.  Start
        doing that and the cracks WILL begin to appear, I kid you not!
        Sure, consult each other when making decisions.  That's
        what business partners do, after all.  But the ultimate
        decision-making authority must rest with the one who has
        overall responsibility for the relevant area of the business.

        The business is not the only area where responsibility
        needs to be divided.  Don't forget to allocate responsibility
        for household chores and parenting responsibilities.  Who is
        to do the grocery shopping, the laundry, the cleaning and
        bill payment?


        Each of you should treat the other just as you would a
        respected colleague outside the business.  So show each
        other the same respect, courtesy, appreciation and
        gratitude that you would show any valued co-worker.

        No matter how well people get along, disagreements about
        certain aspects of the business are inevitable.  And just as
        in any other business, what is important is how those
        disagreements are resolved.

        A clear agreement on division of responsibility is a very good
        start and having already agreed that one of you has final
        decision-making authority in your respective areas means
        that there is always a means for resolution of the
        disagreement - a final decision.  Otherwise you'd find
        yourselves going around in circles, unable to agree, until
        finally one of you would take matters into your own hands
        out of frustration or you'd simply do nothing.  And that's
        bad for the business and bad for your relationship.

        A good way of communicating about business issues is
        to hold regular business meetings together.  Perhaps a
        Monday morning partners' meeting would work well for
        you, or lunch on Wednesdays, perhaps.  Although the
        idea of a meeting may seem a little formal at first given
        your relationship outside of the business, keep in mind
        that the disciplines you find in an external business are
        there for a reason.  They keep the business on track and
        keep everyone focused on the task at hand.  So take
        time on a regular basis to regroup, take stock, stay up
        to date with where the business is, where it's headed and
        what each of you is working on and planning.

        By holding meetings like this you also avoid 'spillover' of
        the business into your personal time of which there is
        precious little to begin with.  Which brings us to the
        next point.


        The ultimate success of your business depends upon both
        of you making decisions based on what's best for the
        business.  If you are not prepared to do this, then your
        business is doomed to failure.  Really think about what
        this means before you start out.  Do you - BOTH of you -
        have what it takes to do that?  When the time comes will
        you forego that vacation to Hawaii to plough the money
        back into the business?  Will you?  Are you sure?  What
        if the relationship's starting to get a bit shaky?  Will you
        still do it?

        It follows from what was said above that the business is
        something separate from the relationship/home.  This is
        necessary for the survival of the business.  Equally, it is
        necessary for the survival of your relationship.

        What are some of the things you can do to keep business
        and home separate?

        => Set Business Hours

        Set regular business hours and stick to them.  Except
        in an emergency, what doesn't get done in business
        hours doesn't get done until the next day.

        => Don't Let Business Intrude on Personal Time

        Personal time is all that time outside of regular
        business hours.  Jealously protect it from encroachment
        by the business.  If the business line rings at 7:30 pm
        and business hours ended at 6:30 pm, let the answering
        machine pick it up.  In other words, shut the door on
        the business at the end of the day.

        => Don't Let Home Intrude on Business

        Just as you must jealously guard your personal time,
        so too you must insulate the business from intrusions
        on the home front.  So, when friends who know you
        work from home suggest you play hookey to hang out
        with them during business hours, say no.   Schedule
        hanging out with friends for your personal time.

        If you're at odds with each other about something to do
        with your personal lives, don't let it affect how you work
        together in the business.  Focus on the task at hand,
        not your feelings about the personal issue.  If it's getting
        in the way, resolve it.  Don't let resentment undermine
        your working effectiveness.


        Finally, there's a myriad of issues that are deserving of
        whole articles in themselves.  They're listed here just as
        thought starters.

        => Family Demands

        If you have children, there may be times when family
        demands can shift the commitment to the business of
        one or either of you.  During such times, make sure it's
        only one of you whose commitment has shifted.  Plan for
        what you will do if, for example, a child gets sick.

        => Outside Interests

        To keep your relationship fresh and interesting, you should
        both pursue interests that are independent of the business
        and each other.

        => Separate Space

        You live and work together.  That's a LOT of togetherness.
        Everyone needs personal space.  If possible, have separate
        work areas so you're not under each other's feet ALL the

        => Capital Sufficiency

        Make sure you have sufficient capital to sustain you through
        the start-up phase of your business.

        => Where Did They Get the Money for That?

        Has your business capital come from family sources?  If so,
        beware scrutiny of your expenditure from family members.  It is
        common for entrepreneurial couples with family finance backing
        them to feel like they have to justify the necessity for a particular
        item of expenditure, particularly if unrelated to the business.

        => What if the Relationship Ends?

        Particularly if the business is your sole means of livelihood,
        think about having a plan for what happens to the business if
        the relationship ends.  While no-one likes contemplating such
        an eventuality, the fact that is half of all marriages end
        in divorce.  Those are pretty high odds.  You may agree
        that you will both continue with the business; one of you may
        buy the other out; or the business may be sold in toto with
        the profits being divided evenly between you.

        => Succession Planning

        If your business is successful, what will you do when you
        exit the business?

        => Business Failure

        Finally, consider your financial position if the business fails.
        Not only are you out of work but so is your partner.  This is
        a very different proposition from a business being run by
        only one spouse.  At least then the other spouse is still
        bringing a paycheck home.  Think about how quickly you
        will both be able to return to paid employment if the
        worst happens.

        The prospect of running a successful business with our mate
        is the dream of many of us.  It is natural to want to share as
        much as possible with our spouse.  But it is not for the faint-
        hearted and there are many issues to take into account.
        Don't make your decision based on visions of romantic
        togetherness.  The reality will be altogether very different.
        But if, with eyes wide open and having taken all of the above
        factors into account, you believe you can be successful in
        business together, by all means go for it!


        **Reprinting of this article is welcome!**
        This article may be freely reproduced provided that: (1) you
        use the autoresponder copy which contains a resource box;
        and (2) you leave the resource box intact. To receive a copy
        of this article by autoresponder, just send a blank email to

        4. Newsletter Publishing Tutorial - Part 8 - Administering
        Your Subscriber Database - Manual versus Automated

        Up until this point, we've covered the nuts and bolts of
        creating your own newsletter and how to generate
        (hopefully) masses of subscribers. Along with masses of
        subscribers comes masses of administrative tasks:
        processing subscribe and unsubscribe requests, changes
        of addresses and the bane of all ezine publishers, the
        good old returns ("undeliverables").

        This week, therefore, we look at how you can automate
        this process to free you from administrative servitude to
        concentrate on what's most important: creating fresh,
        interesting content for your newsletter.

        Part 8 is available by autoresponder. To receive it, just
        send a blank email to .
        Alternatively, visit the A Home-Based Business Online
        website tutorial page at .

        All previous instalments are now also available by
        autoresponder. To receive previous instalments, just send
        a blank email to:

        for Part 1
        for Part 2
        for Part 3
        for Part 4
        for Part 5
        for Part 6
        for Part 7


        Next Week Part 9 - Accepting Paid Advertising

        5. Pro-motion - Answers for the "Pro in Motion"
        Q. Last week you mentioned that we should file for a
        company name for our online businesses. Could you please
        tell us how to do that? (Angie B.)

        A. I wish there were a simple answer to this but like most
        government regulated issues - it's complicated. In the USA,
        these filings are called by various names. "DBA" (Doing
        Business As) - "Registered Alias" - "Assumed Name
        Statement" - and "Fictitious Name Registration" are just
        four that I've encountered. In other countries, they probably
        have even different documents - if they are required at all.

        In some States, you will need to file with the County where
        you live. In other States, you file with the State itself. Some
        places require that you publish your intent to file a particular
        name - and others don't have this requirement. The cost for
        this is usually nominal in a legal publication. Filing fees are
        also very nominal. Cost is never prohibitive.

        The paperwork is very simple - usually one short page. You'll
        need to have your signature notarized.

        If the requirement for you is to file with the State, you can
        call the appropriate agency and ask them to send you the
        paperwork. You will then return it to them by mail and they
        will send you a final copy with the State or County Seal on it.

        If you must file in the County where you live, you may be
        required to go to the County Courthouse to file. In that case,
        you will walk out with the paperwork in your hand.

        One reader wrote to tell me that his bank filed his Fictitious
        Name Registration for him. This was in a location which
        requires filing with the State - easily done by mail. That's a
        great service for a bank to offer where it's possible.

        Which brings us to how and where you file. The easiest and
        quickest thing to do is call the "New Accounts" department
        at your bank. Tell them you need a business bank account -
        and ask what paperwork they need. They will be able to tell
        you the correct document and where to obtain it. Then, call
        the appropriate agency for further directions per your local

        Remember, in the USA you can't have a business bank
        account without this document. You can't accept payment in
        the name of your company and deposit it directly into your
        personal account. It's the law!

        * To submit questions to "Pro-motion"

        jl scott, ph.d., Author
        © 2017, All Rights Reserved
        This article may be reprinted with permission by including the
        following resource box:


        dr. jl scott is the Director of the International Association for
        Professionalism Online (IAPO) -
        and also the publisher of MONDAY MEMO! - the ezine
        dedicated to upgrading Professionalism on the Web. For your

        6. Freebies

        -> Ebook - MONDAY MEMO! by jl Scott (new release)
            A collection of 13 of the most popular articles written
            by jl Scott of Monday Memo!



        8. This Week's Web Site Pick - Internet Business Center

        This site is a real find. Basically, it contains all the
        information you need to know to be successful in your
        online business. Full access requires membership (at an
        annual cost of $87) but great chunks of the site are
        accessible by anyone.

        The information is divided into the following categories:

        => Designing a Web Site That Works
        => Join the New Economy - Create a Web Presence For
             Your Business
        => E-commerce - Internet Marketing Directly to Customers
        => Business Intranets - Improve Your Internal Communication
             to Cut Costs and Improve Productivity
        => Extranets Strengthen Relationships While Decreasing

        There is substantial content freely available in each of
        these sections to make the site a winner even if you're not
        a paid member.

        Highly recommended.


        9. Next Week in A Home-Based Business Online
        ->   Home Business Idea of the Week: Cleaning Services
        ->   Feature Article: If I'd Known Then What I Know Now ...
        ->   Newsletter Publishing Tutorial: Part 9 - Accepting
          Paid Advertising


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