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            A Home-Based Business Online


           Issue 140 : July 8, 2017

           Sent to 12,526 Opt-In Subscribers

            Editor: Elena Fawkner
            Publisher: AHBBO Publishing
          Contact By Email



          IN THIS ISSUE

        1.     Welcome and Update from Elena
        2.     Home Business Idea of the Week
        3.     Feature Article - Beyond Startup - Are You Stunting the
          Growth of Your Home-Based Business?
        4.     Surveys and Trends
        5.     Success Quote of the Week
        7.     Subscription Management
        9.     Contact Information


        1.     Welcome and Update from Elena

        Hello again and a warm welcome to all the new subscribers
        who have joined us since the last issue.

        This week's article is for those of you currently running a
        home-based (online or off) business and going it alone.
        At some point in the not-too-distant future, the time will
        come when going it alone means you're stunting the growth
        of your business.  At this point the time has come to employ
        others to allow the momentum to continue.  "Beyond Startup
        - Are You Stunting the Growth Of Your Home-Based
        Business?" is at segment 3.

        As always, thanks for reading and I hope you enjoy this
        week's issue.

        Remember, AHBBO 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 Business Idea of the Week - Cleaning Broker

        I'm the first to admit cleaning house is definitely one of my
        least favorite activities. Couple that with a chronic lack of time
        and you're describing a huge segment of the population. One
        that isn't going to be shrinking any time soon.

        As a cleaning services broker you can tap into this market. A
        cleaning services broker basically brings together people wanting
        cleaning services performed and those prepared to perform that
        service for a fee.

        Start out by advertising for cleaners. You'll need to check
        references and test their skills. You may also want to consider
        bonding them. Once you have several cleaners on your books
        (as independent contractors, not employees), you can then
        start advertising your services to prospective clients.

        A Yellow Pages listing is a good place to start (although this
        does require quite a bit of forward planning) as well as classified
        ads in your local newspaper. Professionally produced flyers/
        brochures that can be distributed in a letter box drop in the
        geographic area you are targeting will also generate good enquiry.

        You should set yourself up so that you bill the client for the cost
        of the service and you pay your cleaning contractors. The
        difference between what you pay your contractors and what
        you receive from clients is your commission.

        You can gradually expand your business too by adding more
        services over time. Logical extensions include window washing,
        garden maintenance, carpet cleaning and pet sitting, to name
        just a few examples.

        And don't forget to think outside the box when targeting clients.
        Consider, for example, real estate agents who need cleaning
        services for rental properties between tenants.


        This is just one of over 130 ideas from the new "Practical
        Home Business Ideas From AHBBO" e-book.  Find out more at
        New Home Business Ideas .


        3.     Feature Article:  Beyond Startup - Are You Stunting
          the Growth of Your Home-Based Business?

        © 2017 Elena Fawkner

        If you've left the corporate world to strike out on your own in
        your own home-based business, you'll be acutely aware that
        your financial success is up to you and you alone, perhaps
        for the first time in your life. For obvious reasons, therefore,
        your home-based business is probably run on a shoestring.

        This means, of course, that you do everything. Although you
        are now CEO, you are also secretary, marketing director,
        receptionist and gopher. But hey, that's the way you like it,
        right? Just as well too since when you're just starting out you
        don't have much of a choice anyway.

        But sooner or later, if you keep doing everything yourself you'll
        necessarily curtail the growth of your business. It will grow to
        a certain point but no further because you're only one person
        and there are, after all, only 24 hours in a day.

        Now, if you're satisfied with making a little money on the side,
        that's fine. But if your business is your only source of income,
        you must move beyond start-up if you are to become financially
        successful and avoid stunting the growth of your business.

        This article looks at the growth stages of a typical one-person
        home-based business and how to gradually grow your business
        without being run over in the process.


        => One-(Wo)Man Band

        As already stated, when you first start out, you do everything
        yourself. you're both chief cook and bottle-washer. And you
        can continue like this for quite some time because, initially,
        you are unlikely to be fully stretched. This is exactly what
        you should be doing.

        This is NOT the time to go out and spend money with
        advertising agencies and hiring employees. For so long as
        you CAN do everything yourself and everything that needs to
        be done is getting done, this is the most efficient use of your
        current resources.

        => don't Overcommit Yourself

        During this stage, however, it is important to be careful not
        to overcommit yourself. You are a fledgling. You must learn
        to fly like a sparrow before you can soar like an eagle. So,
        when you first start out, underpromise and overdeliver.

        Also, don't embark on an aggressive marketing campaign
        until you have the business resources to satisfy the demand
        you will create. Let your advertising grow in line with the
        growth of your business, the addition of employees and
        increased financial capacity.

        => Pay Yourself

        Be extremely careful with your pricing during this stage also.
        Make sure you include a wage for yourself in your overhead
        costs and add a realistic profit margin (say 15-20%).

        Remember, price equals costs plus profit margin. Costs
        include direct, indirect and overhead costs. For a more
        detailed treatment on pricing, read "Pricing Yourself to Get,
        and Stay In, Business" at http://www.shelteredturtle.com/pricing.html .

        => Profits Belong to Your Business

        Plough your profit back into your business. This is most
        important. This is where your funds for expansion during
        the next growth phase of your business come from. NEVER
        use your business's profits to pay personal expenses. This
        is what you pay yourself a wage for. Your business's profit
        does not belong to you. It belongs to your business. There
        IS a difference!

        => Avoid Premature Expenditure

        During your shoestring days, look for lower-cost substitutes
        before incurring substantial expenditure. For example, don't
        go out and buy a new fax machine, a new answering machine,
        a new photocopier. Get one of those three in one jobs that
        sits on your desktop and only costs a few hundred dollars.

        Use a good accounting software program rather than hiring
        an accountant and hire from your family first if you need
        temporary help. Another good idea is to negotiate with family
        members to take over some household chores you would
        normally do yourself to free your time to work on your business.
        This works especially well with pocket-money age children
        and teenagers.

        During times of temporary overload, hire temporary staff from
        a staffing agency if no family members or members of your
        social circle can do the job.

        => The Glass Ceiling

        After a while, somewhere between the two year and five
        year mark, you will notice that your business is beginning to
        stagnate. At this point, you've stretched yourself and your
        resources as far as they can go. You've hit the glass
        ceiling, in other words.

        At this point, if you want your business to grow further, you'll
        have to grow it. It won't happen as part of an evolutionary
        process beyond this point.


        => Hire Permanent Employees

        The time to hire permanent employees is when you reach the
        point that you can't complete all tasks alone (or with the help
        of family members) and/or your time is worth more than it would
        cost to hire someone to complete your less complicated tasks.

        Before adding employees, carry out an inventory of the
        necessary tasks required to operate your business. Once
        you've identified all necessary tasks, assign primary
        responsibility for each task to one person. Although one
        person will be assigned more than one task, make sure no two
        people are assigned the same tasks.

        Also, make sure at least one other person knows how to do
        each task to cover yourself during times of staff shortages,
        whether due to temporary absence due to illness, or when an
        employee resigns and it takes you a while to find a replacement.

        Finally, and most importantly, when assigning tasks, assign
        yourself the tasks you do best (NOT just what you like to do).

        => Capital

        To grow beyond the start-up and initial growth phases, you will
        need capital to inject into your business. Now this,
        unfortunately, is easier said than done. Banks can be leery of
        entrepreneurial ventures and venture capital is not easy to
        obtain. But, although obtaining borrowed capital is difficult, it
        is by no means impossible. Here are the main sources of funds:

        * Banks

        Cultivate a good relationship with your banker. The more he or
        she understands your business and knows you, the more
        likely it is that your application will be approved. And this means
        more than just fronting up when you need money. Keep your
        banker informed of all significant developments in your business
        and routinely provide copies of your annual business plans.

        Be prepared to demonstrate that your business is capable of
        generating cashflow and think about what collateral you have
        available to put up if necessary.

        * Venture Capital

        In addition to a solid business plan and track record, venture
        capital providers want to see that you understand your
        customers and how your business is a good fit with their
        needs. So arm yourself with competitive intelligence and
        satisified customers as references. Also, be prepared to
        show you have access to experienced management staff.
        These individuals need not be on your payroll but you should
        expect to show that you have a depth of experience and
        talent available to you at least in an advisory capacity.

        * Revenue Stream

        Instead of selling equity to raise capital, consider selling part
        of the revenue of the business. In other words, investors
        advance loan capital and get repaid by way of a percentage
        of the sales of the business. This preserves your equity in
        the business and is attractive to investors because they
        receive an immediate cash return.

        This method has the considerable advantage of avoiding
        securities laws (it's a loan rather than a sale of securities)
        but it's only viable for businesses with high margins and
        strong sales.

        * Angel Capital Electronic Network

        ACE-Net brings companies looking for capital together
        with angel investors. You can find links to ACE-Net at
        http://www.sba.gov/ADVO .

        * Direct Public Offering

        If your business has a strong relationship with its constituents
        (employees, customers, vendors and community), consider
        selling stock via a direct public offering.  The securities laws
        involved in such an offering are complex though so be prepared
        for some pretty hefty legal fees if going down this road.

        * Miscellaneous

        Other miscellaneous sources of funding include 401(k) plans
        and provision of loan guarantees by the Small Business
        Administration (http://www.sba.gov), family members or friends.

        => Work On the Business, Not In the Business

        The third and final point to note about breaking through the
        glass ceiling is that you must make the mental transition from
        working IN the business, to working ON the business.

        Until your business hit the glass ceiling, you were effectively
        working in the business, much as an employee would. In this
        sense, the business was your job, a place to go to work. But
        beyond the glass ceiling, your business becomes an entity
        unto itself. It is no longer your "job" to work at the tasks that
        make up the business's operation. Instead, your role is to
        work "on" the business as a separate entity, leaving the tasks
        to your paid employees.

        Hopefully you can see that shifting your perspective in this
        way is the key to the long-term growth of your business and
        the difference between true autonomy and indentured servitude.


        include the following resource box; and (2) you only mail to


        practical business ideas, opportunities and solutions for the
        work-from-home entrepreneur. 



        4.     Surveys and Trends

        © 2017 Ryanna's Hope


        Among people over 25 (the population for which the
        Metropolitan Life tables were developed) 80% of the public
        are overweight, up from 58% in 1983, 64% in 1990 and 71%
        in 1995.

        Fully 33% are now twenty percent overweight, a reasonable
        measure of obesity, compared to 15% in 1983, 16% in 1990,
        and 22% in 1995. In other words, obesity has more than
        doubled from less than one-sixth of the population eighteen
        years ago to one-third today. (harris poll, 2017)


        The two major predictors of women's satisfaction with their
        healthcare plans are preventive care and prescription benefits.

        Thirty-one percent of women choose a plan on the basis of
        preventive care services compared to only 25% of men. The
        more preventive care services women are encouraged to utilize,
        the more likely they are to choose that healthcare plan. For
        example, 85% of women who are encouraged to use five or
        more preventive care services are likely to re-enroll in the plan.

        Women (52%) are more concerned than men (44%) about a
        healthcare plan's prescription coverage. Lower copayments are
        a major draw for 34% of women and 28% of men. Other key
        issues to women are the ability to obtain the medication that
        the doctor believes is best and the cost to enroll in the
        prescription plan. Among women who are very satisfied with
        their prescription coverage, over 80% are likely to re-enroll in
        their healthcare plans. (source: Keymarketing)


        Today's teens are swarming to the Internet for video games,
        music and other entertainment. Researchers expect that, once
        they have outgrown their teen preferences, the web will be an
        integral part of their lives. It will be natural for them to use the
        Internet to handle their financial matters. Already, one-third of
        teens with bank accounts transfer money over the Internet and
        25% pay bills online. Of those with brokerage accounts, 55%
        trade stocks online. (Keymarketing)


        Nearly everyone (93% of all adults) believes that there are some
        words or expressions that should not be used in front of young

        More than two out of every three adults (69%) say there are
        some words or expressions that they would prefer not to hear
        people use around them. People over 65 (85%), people ages
        50-64 (78%), women (78%), and African-Americans (78%) are
        the groups most likely to say they would prefer not to hear
        words and expressions which offend them. Young people ages
        18-24 (58%) are the least likely to be offended by bad


        While most people (62%) who receive telephone calls from
        telemarketers or customer service people don't care whether
        they are called by their first or their last names, over a quarter
        (28%) say they would prefer to be called by their last names
        and that it bothers them (29%) to be called by their first names.
        Hardly anyone (5%) prefers being called by his or her first name
        ?a common practice among some telemarketers.

        A marked preference for the use of the last name is reported by
        college graduates (35%) and those with post-graduate
        education (39%) and those with higher incomes, who are
        presumably more important targets of telemarketers. Women
        (34%) compared to men (23%) are also more likely to prefer the
        use of their last names, as are African-Americans (43%).


        Garlic consumption per capita grew to 3.1 pounds in 2017 ?
        triple the 1989 consumption level. No other vegetable has
        undergone such phenomenal demand growth in the last 10


        5.     Success Quote of the Week

        To dream anything that you want to dream. That is the beauty
        of the human mind. To do anything that you want to do. That
        is the strength of the human will. To trust yourself to test your
        limits. That is the courage to succeed.
          --  Bernard Edmonds


        Retire Quickly or Enhance your current
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        9.    Contact Information

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


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