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        a home based business onlinehome business ideas

           A Home-Based Business Online


           April 7

            Sent to 4,135 subscribers

          Editor: Elena Fawkner
            Publisher: AHBBO Publishing
          Contact By Email


          IN THIS ISSUE

        1. Welcome and Update from Elena
        2. Home-Based Business Idea of the Week - Contractor
         Referral Service
        3.  Feature Article - Getting Paid ... Minimizing Bad Debts In
         Your Home Business
        4.  Program Review - Make Your Knowledge Sell!
        5.  Newsletter Publishing Tutorial - Part 11 - Beyond Critical
        6.  Pro-motion Column - Answers for the "Pro in Motion"
        7.  Freebies
        8.  Subscriber Q&A
        10.  This Week's Web Site Pick
        11.  Next Week in A Home-Based Business Online
        13.  Subscription Management
        15.  Contact Information

        1. Welcome and Update from Elena

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

        This week sees the final instalment of the AHBBO Newsletter
        Publishing Tutorial. I'm delighted so many of you have taken
        up the challenge and are now publishing your own newsletters!

        One outstanding example deserves special mention. Florette
        Anderson has created the delightful CSSCommunique.
        Florette sent me her first issue for review before going to
        press and I was so impressed I told her I'd recommend it to you.

        In Florette's own words: "CSSCOmmunique is a resource for
        information and education. It is a Marketing ezine with a "twist".
        In addition to the usual marketing information common to ezines
        of this type, you will also find articles on subjects not necessarily
        related to business, but certainly of concern to all of us. I hope
        you will find it interesting and informative."

        In response to popular demand, yes, I will be making the
        AHBBO Newsletter Publishing Tutorial available in ebook format.
        I do want to take the opportunity to flesh it out a bit before I do so
        though and update some of the resources so it will be a couple of
        weeks yet before it's ready. When it's done, I'll include it in the
        Freebies section.

        Many of you have taken up my offer of free Cash Cow website
        and autoresponder set-up and webhosting. This offer remains
        open to anyone who signs up for the Cash Cow program through
        the AHBBO website.

        Thanks for reading 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 - Contractor
            Referral Service

        I've been putting up with a leaking shower head for weeks
        now because I just can't seem to find the time to get
        someone in to fix it. Every time I decide to do something
        about it I open up the Yellow Pages to find a local plumber
        but am confronted by so many choices I really don't know
        where to start.  So I put it aside until I "get around to it". If
        truth be told, I can't be bothered with the hassle of finding
        a contractor who can come out and fix my problem at a time
        that actually suits ME!

        I don't want to hire some expensive plumbing company that
        requires appointments days in advance and have to hang
        around the house for half a day because they can't give me
        an exact time of arrival. All I really want is a local handyman
        who can call around on Saturday morning before I head out
        to do my grocery shopping. And there are plenty of people
        like me out there.

        Just think about the kinds of services the typical household
        needs from time to time. There's plumbers, electricians,
        gardeners, glaziers, carpet/furniture cleaners, appliance
        repairs, cleaning services, painters and babysitters to name
        just a few.

        At the same time, local tradespeople are wanting the local
        work that's currently going to the big companies. Many of
        these tradespeople would be prepared to pay you a
        commission or a booking fee for referring customers. You
        may even offer an attendance service where you attend at
        the customer's house while the work is done to avoid the
        customer having to take time off work or lose a Saturday

        So line up a group of reference-checked tradespeople and
        then start advertising your referral service in the classified
        ads of your local newspaper, by letterbox drop, flyers
        in the local supermarket, even a Yellow Pages listing of
        your own.


        There are many more ideas like this in AHBBO's Home
        Business Ideas page at Home Based Business Ideas

        3. Feature Article - Getting Paid ... Minimizing Bad Debts In
           Your Home Business

        By Elena Fawkner

        As a general rule of thumb, any business can expect to
        write off between 3-5% of debt as bad. That's if the
        business's receivables are managed properly. If not, that
        percentage will be much higher.

        For any small business, especially one that's in its first
        couple of years of operation, cashflow is a paramount
        consideration. Many small businesses fail simply because
        they run out of cash during this period.

        So don't throw away money owed to your business just
        because collecting money is unpleasant. The very
        survival of your business may depend on it.

        In this article we consider whether you should extend
        credit and, if so, what processes you should implement
        to maximize your chances of getting paid.


        You may prefer to have a strict payment-up-front or on-delivery
        payment policy but the realities of a competitive business
        environment are such that, in order to be competitive, you
        may have very little choice.

        Assuming you have no real alternative in your line of business
        other than to extend credit, you need to have a policy for
        your business about who gets credit and who doesn't.

        How rigorous your policy is depends on how much money
        we're talking about for a particular job.  If you're performing
        a service or selling products worth several thousands of
        dollars, you're obviously going to be more concerned
        about the creditworthiness of your customer than if you're
        only talking about a $50 sale.

        So what are the considerations you should take into account
        for major orders?

        1.  Character

        When thinking about the character of your customer, what
        you are concerned with is the willingness of the customer to
        pay debts.What do you know about your customer?  What is
        the history of the business and experience of its management?
        Does it have a history of litigation for unpaid debts?  Does it
        or any of its principals have a history of insolvency?

        2.  Financial Capacity

        Here we are concerned, not with the customer's willingness
        to pay debts, but with its capacity to do so.  So find out
        about the financial position of your customer before
        deciding to extend credit.

        How do you get the information you need to make a
        determination about your customer's character (willingness
        to pay) and financial capacity (ability to pay)?  You should
        ask for this information in an Application for Credit form you
        develop for this purpose.  Any prospective customer who
        is reluctant to complete such a form should be treated with
        caution.  Any reputable organization should understand
        your concern to only extend credit to creditworthy

        And don't just accept at face value the information that
        you are provided with.  Carry out credit checks (use Equifax,
        for example, in the case of individuals and Dun & Bradstreet
        for corporate credit checks).  Also check with your
        customer's bank and two or three customers.  You should
        ask for credit referees such as these on the Application for

        If the result of any of these enquiries is even slightly
        negative be cautious.  If you're just not comfortable extending
        credit to a particular customer, don't.  Don't be coy here.  This
        is your business's livelihood you're dealing with.  So, in such
        cases, require payment prior to shipment or prior to
        performance of services.


        Once you have decided to extend credit to a particular
        customer, make sure your supply terms are crystal clear.

        Your supply agreement should cover:

        1.  In the case of provision of services, what services are you
        to perform for the customer?  In the case of sale of products,
        what are you selling?  In other words, what is the subject
        matter of the contract?

        2.  The fee for your services or price for your products.

        3.  When delivery will be made.

        4.  When ownership of goods passes.  If you're shipping
        goods to your customer, consider including a retention of
        title clause in your supply terms.  A retention of title clause
        has the effect that ownership of the goods doesn't pass to
        the customer until payment is made.  This means you can,
        at least in theory, repossess the goods if you don't get paid.

        Note this will usually only be effective if your goods can be
        specifically identified.  If your goods can be sourced from
        any number of sources and can't be identified as coming
        specifically from you, a retention of title clause may offer
        little real protection.  If you're selling goods that are
        identified with serial numbers though, or if you're the only
        vendor of a particular product, such clauses are effective.

        5.  When payment is due.  In the case of major jobs,
        consider requiring part payment up front with the balance
        due on completion or in stages throughout the project.


        You should issue your invoice upon delivery of the goods or
        completed service (unless you are receiving payment in
        instalments throughout the project in which case you issue an
        invoice for each stage of the project at which payment is to be

        Make sure your invoice is clearly laid out and easy to
        understand.  Make sure payment terms are unambiguous.
        There should be no doubt when payment is due.  For
        example, "Payment is Due on Receipt", "Net 30 days" etc..
        If you intend to impose a late payment penalty if the
        invoice is not paid on time, make sure this appears on the
        face of the invoice as well as details of any discount you
        offer for early payment.


        Most customers will simply pay you when due.  Others,
        unfortunately, will not.  You need to have a process to
        make sure you get paid.

        To begin with, pay attention to your receivables
        position.  Set aside time each week to review and take
        action on outstanding accounts.  This will undoubtedly be
        one of your least favorite activities.  No-one likes having
        to call up debts.  Don't put this off though.  You have
        the best chance of getting what's yours if you act
        quickly and decisively, before a debt has the chance
        to become doubtful, let alone bad.

        So, monitor your receivables and be on the lookout
        for danger signals which include habitual slow
        payment, broken payment promises, unreturned calls
        and postdated checks.  Keep an eye on accounts where
        you know the customer is changing banks or refinancing
        too.  This can be a symptom of cashflow problems.

        When an account becomes overdue, take immediate
        action.  Establish a debt collection routine and carry it
        out.  Here's how to go about collecting overdue debts:

        1.  Call customers whose invoices are overdue.

        First off, find out the name of the person responsible for
        accounts payable.  If that person is not available when you
        call, try and find out when is the best time to reach them.
        Make sure you get the name of the person taking the
        message (this is an excellent way of increasing the chance
        that your message will actually get passed on!) and ask
        when the person you need to speak to will be available.
        If the person you need to speak to uses voicemail, leave
        a detailed, complete message and a clear request that
        he or she returns your call as soon as possible.

        Create a sense of urgency but be pleasant and courteous
        at all times.  After all, there may be a problem you don't
        know about.  The customer may not have received your
        invoice, for example.  This sometimes happens if the delivery
        address is different from the billing address.  If you enclose
        your invoice in the delivery package that goes to the delivery
        address, the billing address may never receive it!  Or there
        may have been a problem with shipment.  At least you'll
        find out if you make the call.

        If there is no good reason why the account hasn't been
        paid, get a commitment from the customer to pay you
        today.  Expect payment and convey that expectation to
        your customer.  After all, if you don't believe it, neither will
        your customer.

        2.  The Check Is In The Mail

        If you're told the check is in the mail, ask when it was
        mailed and also ask for the check number, the amount and
        the address it was mailed to.  If the check hasn't been
        mailed at all, you'll know.

        3.  Don't be Fobbed Off

        If you believe you're being fobbed off, it's time to escalate
        things to the next level.  Remain courteous and polite but
        start pushing for a resolution.   If the person you're dealing
        with says they need to make enquiries and will get back to
        you, establish a time to call back and follow through.  Make
        sure the other person knows you're not going to just let this
        go.  No one likes to be hounded so if it's within their power,
        they'll get you paid and off their back.

        Other ways to push for resolution are to make arrangements
        to send a Comic Sans MS to collect the check, agree a new payment
        date or even agree to payment in instalments if you believe
        the problem is a genuine inability to pay as opposed to mere
        unwillingness.  If, however, you conclude that your customer
        has the ability to pay but, for whatever reason, is trying to
        avoid payment, don't be offering any compromises.  That just
        sets the scene for a repetition in the future.

        4. If All Else Fails

        In most cases, being persistent and firm in your insistence
        that you be paid will result in exactly that.  In a very few
        instances, however, despite your best efforts, a customer
        will simply not pay you.

        Your response to non-payment in these circumstances will
        depend on your customer's capacity to pay and the amount
        of the debt.  After all, there's little point going to the expense
        of hiring a collection agency or a lawyer to recover a debt that
        your customer is simply unable to pay.  Similarly, you have
        to weigh these costs against the amount of the debt.

        Sometimes the best business decision is to cut your losses
        and write the debt off.  Naturally, you NEVER extend credit
        to this customer again.

        If, however, the debt is significant and you have reason to
        believe the customer is capable of paying, then by all means
        engage a collection agency or a lawyer to pursue recovery.
        In these cases be sure to include your recovery expenses
        in the amount to be recovered.

        And don't forget your supply terms.  If these included a
        retention of title clause and the goods can be specifically
        identified as belonging to your shipment, by all means,


        **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.

        4. Program Review - Make Your Knowledge Sell!

        You've heard it time and time again. Knowledge is power.
        You've also heard time and time again that informational
        products are THE hot properties on the internet today.

        Make Your Knowledge Sell!, a collaborative effort by
        Monique Harris of Sell Your Brain Food and Ken Evoy
        of Make Your Site Sell! fame, takes these principles and
        shows you how to take what's already in your head and
        turn it into a profitable information product.

        Those of you who already have Make Your Site Sell!
        already know firsthand exactly what Ken Evoy is
        capable of producing. For those of you who don't know
        what I'm talking about, visit the MYSS! site at and see for

        MYKS! is every bit as astonishing in its breadth and
        scope as MYSS!. This book tells you everything you
        need to know about:

        * how to pull your knowledge out of your brain;
        * how to publish it; and
        * how to sell it on the internet.

        This is a substantial information product of 337 pages.
        Just look at this excerpt from the Table of Contents:

        * Pulling Profitable Ideas from Thin Air - six detailed idea-
        generating exercises for identifying subject matter in your
        own knowledge and the world around you. Think you don't
        have knowledge other people would pay you for? Think again.
        What do you love to talk about? What are your hobbies,
        what do you do for fun and games? What do you do,
        day in and day out, without even thinking about it?

        * How to Package Your Pearls - should you publish a
        manual, booklet, e-book, video, audiotape, newsletter,
        conduct seminars, what?

        * Put Some Meat On Them Bones! - time-efficient ways
        to research your topic, fill out your own knowledge and
        become THE expert in your field.

        * How to Turbo-Boost Your Output - methods and tools
        to make you more productive.

        * Name That Infoproduct - your title can make or break

        * From First To Final Draft - how to polish it till it shines,
        and important elements that are often overlooked.

        * Fending Off the Info-Bandits - what you need to know
        about copyright protection and handling competition.

        * Preparing to Sell and Ship - distribution smarts
        including how to process orders, clear credit cards and
        ship automatically with zero effort and maximum sales.

        For those of you who have been members of AHBBO for
        some time, you'll know that I don't go out of my way to give
        my personal endorsement to just anything. So hear me
        when I tell you that this is a TRULY outstanding product
        and one I recommend to each and every one of you without

        And, if MYKS! itself wasn't enough, the authors have also
        produced a FREE infoproduct course delivered by email over
        5 days. Called the InfoProduct Masters Course, this is an
        intensive course on creating, producing and online selling
        your very own infoproduct and will give you a good idea
        what to expect from MYKS!. You
        may find it's just what you have been looking for.

        5. Newsletter Publishing Tutorial - Part 11 - Beyond Critical

        This is the final instalment of the AHBBO Newletter Publishing
        Tutorial. Thank you to all who have participated and sent me
        your comments. Look out the for e-book version in a couple
        of weeks.

        This week we focus on your options when you reach critical
        mass with your newsletter.

        Alternatively, visit the A Home-Based Business Online
        website tutorial page at .


        6. Pro-motion - Answers for the "Pro in Motion"

        Q. How do you know where to advertise? Let's say I decided
        that I wanted to do ezine advertising and my targeted market
        is for people who are into affiliate programs, how do I know
        which ezine to go through, which ones actually have as many
        subscribers as they say, which ones to trust will not just
        take my money and not post the ad and such? (Carol)

        A. This is a good question - and not easy to answer. First of
        all, it's important to use ezines that you are familiar with and
        that have good reputations. It seems that everything online is
        taking a chance since it's so easy not to tell the truth
        regarding numbers of subscribers, etc.

        If you use ezines that are sent out through services such as
        OneList or Topica you can be sure that the number of
        subscribers is correct. These list servers will also have a
        small section which will tell you about the content of the ezine
        itself. That helps a bit.

        That's not to say that ezines who don't use these services are
        not honest. I don't use them myself. And using an ezine sent
        out through the services is still no guarantee that your ad will
        actually be run.

        Most of the online ezine directories will give you a description
        of the material run in the different ezines. Your best bet is to
        subscribe to the ones you feel will work for you. Read them for
        several issues until you get a "feel" for their integrity. Then
        place your ads in the ones you feel most secure in using.

        Publishers should also provide you with an address - and phone
        number - if they are taking your money for advertising. In fact,
        I believe that needs to be in the ezine itself.

        The word, "ezine" means electronic magazine. How many
        off-line magazines or news publications have you ever seen that
        don't publish full contact information? In my opinion, any online
        publisher who is charging for ads has the same responsibility to
        be available to advertisers.

        jl scott, ph.d., Author
        Copyright © 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.

        8. Subscriber Q&A

        Still on the theme of non-US opportunities, here's some more
        help for Canadians from Harmony Major of Home Based Heaven:

        "This is in response to Maureena's questions about home based
        businesses for Canadians. I answered exactly this question in a
        recent issue of my Q&A ezine. Here's the answer I posted:

        Hi, I am looking for a business to start up from home using
        my computer. I have a new baby and want to be around for her.
        Can you point in the right directions on what is hot on the
        net? Preferably something in Canada?

        Hi Jamie. There are any number of opportunities you could try,
        but what works for you will depends the kinds of things YOU
        are interested in. If you're not interested in the area you
        choose, you won't do very well in it. And, what's "hot" ISN'T
        always what's best for you, and what's going to make you money.
        I suggest that you "shop around" and look for home businesses
        that revolve around your interests -- not the other way around.
        Here are two helpful websites that feature a searchable database
        of home business opportunities, tax resources, articles, an
        ezine, and more ... all specific to home-based work in Canada.

        -> The Canadian Women's Business Network
        http://www.cdnbizwomen.com/ (A NICE site!)

        If you're not pointed in the right direction now, Jamie, I
        think your home business "car" might need a realignment!

        Have a good one. :)

        Harmony Major, 'Miss h.'

        P.S. Discover what it takes to become a full-time Netrepreneur
        & SUCCEED at it! YOU can be in the 5% that actually MAKE
        MONEY ONLINE, and not become another pitiful statistic.
        Interested? It's FREE! "


        And Neil Malcolm's written in again in response to my
        comments last week about the transparency of geographical
        boundaries on the internet. Neil correctly points out that since
        many programs pay in US dollars, your country's exchange
        rate can be a crucial factor in selecting which program to join:

        "I think one of the biggest problems which you did not
        mention is that payments are usually made in $US, and in
        some countries it is extremely expensive to convert the
        payment into local currency, and there can be a significant
        time lag on funds clearing. It can be very frustrating when you
        are starting out to find that you are receiving payments which
        are effectively worthless.

        I would suggest that international readers examine the
        methods of them being paid as a major factor when
        evaluating opportunities. Similarly, they should shop around
        their local banks, as there can be large differences between
        their facilities and charges. I can deposit a bundle of $US
        checks (or cheques in our country [ed: UK]) for one small
        nominal fee, whereas another bank would have charged me
        twice as much for each and every one. I'm sure those outside
        the USA look forward to the day when commissions are
        deposited directly to credit cards.

        An alternative may be to create an account with Chase
        Manhattan who offer international account facilities, but again
        the details of facilities for each country may vary. Go to
        http://www.chase.com and select International Banking on
        the dropdown menu.

        Neil Malcolm

        Thanks again Neil!

        The other side of the coin is that if your country's currency is
        weak compared to the $US, being paid in $US is exactly what
        you want!  In Australia, for example, A$1 is equivalent to about
        US$0.60 at present.  As you can imagine, being paid in $US
        can add up to quite a windfall if your country has this "problem"!


        10. This Week's Web Site Pick - Home Biz Tools

        An impressive, comprehensive and professional site well
        worth bookmarking.

        Key sections include:
        * home business resources
        * starting a home business
        * home jobs
        * home business ideas
        * articles and advice
        * home business discussion board
        * telecommuting.

        11. Next Week in A Home-Based Business Online

        -> Home Business Idea of the Week: Household Management
        -> Feature Article:  The Return of the Barter Economy ... Life
            Online and How To Get What You Want Without Spending
            a Dime
        -> Program Review: Get Paid to Surf with All Advantage

        13. Subscription Management

        To SUBSCRIBE to this Newsletter:
        Home Business Newsletter

        To UNSUBSCRIBE from this Newsletter:

        If you find this newsletter valuable, please forward it
        in its entirety to your friends, family and associates!

        15. Contact Information

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


        Signup to Receive Our Free Home Based Business
        Newsletter Via Email.
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