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

          
           
            

           September 17

           Sent to 5,925 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 - Reunion
         Organizer
        3. Feature Article - Planning Through the Life Cycle of
         Your Business (Part I)
        4. Pro-Motion Column
        5. This Week's Subscriber Web Site Pick
        8. Subscription Management
        10. 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!

        In this week's feature article, "Planning Through the Life Cycle
        of Your Business" we take a look at the various stages of
        your business's life cycle and the kinds of planning you need
        to undertake in preparation for each of them.  This is going to
        be a lengthy article and so I'm splitting it into parts.  I've also
        taken the opportunity to include links to other articles I've
        written in the past that deal with some of the issues touched
        on in this article in more detail.  For those of you new to AHBBO
        and who therefore haven't come across these articles before,
        you will hopefully find these additional resources helpful.

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

        Remember, this ezine 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 - Reunion
         Organizer
        ============================================================

        Ever tried to organize a class reunion?  If you have, then you
        know what a headache it is to track everybody down, issue
        invitations, process responses, organize the function room,
        catering and entertainment.  Who has the time, right?

        Here's where you can come in.  If you're a born organizer
        and enjoy dealing with people, why not set up shop as a
        reunion organizer?

        As a reunion organizer, you can do much more than just
        organize class reunions.  How about family reunions,
        company reunions and wartime reunions?

        The process is pretty much the same in all cases.  Obviously
        you need to be given a list of prospective attendees by your
        client and as much information as they have about their
        whereabouts as possible but from thereon in, you can take
        the ball and run with it.  The greatest challenge, of course, will
        be in tracking everyone down so you need to be part detective to
        do well in this business.

        Because some reunions will be easier to organize than
        others (there may be fewer attendees, or you may be given
        a reasonably complete, up to date list of attendees'
        addresses) you may want to charge for your services on an
        hourly basis.  If you do decide to charge a set fee for your
        time, though, do so based on ranges, for example, $500 for up
        to 20 attendees, $1,000 for 20 - 40, $1,500 for 40-60 and so on.
        Then add on your expenses such as telephone calls, postage,
        faxes etc..  Payments for caterers, entertainment and venue
        should be paid directly by the client.  Charge more or less
        depending on the services that you provide.  For example, if
        you will also be arranging travel and accommodation for out of
        town attendees, factor that time into your costs as well.

        To generate custom, target alumni associations (for class
        reunions), genealogy associations (for family reunions),
        returned service personnel organizations (for wartime reunions)
        etc. and advertise in publications that reach these groups.

        ------

        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 - Planning Through the Life Cycle of
         Your Business (Part I)
        ============================================================

        © 2017 Elena Fawkner

        "If you fail to plan, you plan to fail."  How often have you heard
        that little homily?  Never has this particular saying been so true
        as when applied to a home-based business owner.  After all,
        if you don't plan for the future success of your business, who
        will?

        In this article, we look at planning through the life cycle of
        your business.  As you will see, the growth pattern of a home
        business is remarkably similar to the growth pattern of a
        human being - from the time that it's nothing more than a gleam
        in its owner's eye, to conception and birth, toddlerhood, the
        terrible two's, the troubled teens, young adulthood, bona fide
        grown-up; mid-life crisis until, finally, hopefully, majestic
        maturity.  During each life stage you need to be planning for
        the next.

        GLEAM IN THE EYE

        To begin with, the idea of a home business of your own starts
        as just a thought in the back of your mind.  You're probably
        working full-time, perhaps a parent wanting to work from home
        to be with your children rather than putting them in daycare.
        Or maybe you're a stay at home mom wanting to earn an
        income while you're at it.

        Start considering options.  Look for business ideas and
        opportunities that will work from home.  There is no shortage
        of ideas out there but start with your natural passions.  Do you
        love to garden?  Consider a dried herb business.  Do you love
        leadlighting or sewing?  Look to these talents first and find
        a way to make them pay.  For more on exploiting your
        natural talents, read "What's Your Niche?", available by
        autoresponder at .

        Think about your motivations.  Why do you want to work
        from home?  Be clear in your own mind about this.  Don't
        make the decision for the wrong reason.  It won't be a cake-
        walk.  If you're already in the workforce, think about how it
        will feel for you to give up that regular, secure bi-weekly
        paycheck.  Do you have what it takes to stick it out and see
        it through?

        Do NOT start a business from home thinking you will be able
        to spend all the time you want with your kids AND run a
        successful business on the side.  Both are full-time endeavors.
        You may still need to put your kids in daycare, at least some
        of the time.  If not, your business will have to be a part-time
        venture.  You won't generate the sort of income you're used to
        on a part-time basis so consider your financial position
        carefully.

        In other words, plan what it will take for you to be able to make
        the break from workforce to home business.  Include in your
        plan not only financial issues but a consideration of your
        personality and lifestyle.  The obvious financial issues include
        how much do you need to be able to generate from your business
        to be able to give up your full-time job? How will you fund your
        retirement? How will you fund your business expenses?  How
        will you afford health insurance?  Your mortgage?   Consider
        your personality, also.  Working from home can be isolating.
        Will you be able to cope with that?  (See "Overcoming Isolation
        in Your Home Business", available by autoresponder at
        .)

        Are you self-disciplined?  Will you work when you have to even if
        there's no boss looking over your shoulder?  Can you live with
        uncertainty?  There will be times when you will worry about money
        and the future of your business.  We ALL have lean times, believe
        me!  How will you cope?

        Don't forget to consider your lifestyle.  It can be the difference
        between happiness and misery.  Are you ready and willing to
        make sacrifices to secure your business in the early stages
        ranging from the mediocre such as foregoing your daily diet of
        medical dramas on TV to devote your time to more important
        business issues, to the more challenging such as giving up
        vacations and weekends away for a while?  For a more detailed
        treatment of this subject, see "Look Before You Leap ... Is a
        Home Business REALLY For You?".  It's available by
        autoresponder at .

        This is perhaps the most crucial stage of your business.  Get
        this bit right and the rest will follow.  Get it wrong, and you'll
        have a constant, unwinnable struggle.  In other words, get your
        head straight FIRST.
         

        CONCEPTION AND BIRTH

        OK.  So you've searched your soul and thought hard about ALL
        the pros and cons and decided that, yes, you know it will be
        hard but you're going to go for it anyway.  Good for you!  You're
        on the brink of an exciting new adventure.

        It's time to conceive your business.  If you're in the paid workforce,
        stay there are long as you can during this stage of your business's
        lifecycle.  A lot of what you do in this stage is putting the pieces
        in place and getting organized.  This can be done on a part-time
        basis while you're still working.  You may as well get paid as
        long as possible, right?  What you're going to be doing here is
        working on your business plan.  In the first stage, you were
        thinking in broadbrush, big picture terms.  You were looking at
        your business as an existing entity and envisioning how that would
        work with your life.

        Now it's time to go from macro to micro.  In this stage you
        need to take your business idea and set out, in detailed steps,
        exactly what you need to do to get there.  Here are some of the
        issues you need to think about:

        => Finance

        This requires a consideration of both sourcing working capital if
        necessary as well as meeting your day to day personal and
        business expenses.  Do you need to invest capital in your
        business to get started such as purchasing equipment?  If so,
        where is the money going to come from?  Will you use your
        401K?  Will you try and get a bank loan (which probably won't
        be easy since you'll be giving up work), borrow from family or
        friends?  Perhaps an angel investor?  Talk to your accountant
        about this if you do need to invest capital in your business to
        get it started.

        And what about your personal expenses?  How will you pay
        your rent or mortgage once you've given up your paycheck?
        Do you have enough savings to see you through?  Are you
        sure?  What will you save in daycare expenses?  What will you
        save in motor vehicle expenses, office lunches, corporate
        wardrobe?  Be sure to think about the savings you will make,
        not just the expenses.  You may find pockets of spare change!

        => Time Management

        What hours do you have available to devote to your business?
        If you have school-age children, the obvious answer is the time
        your kids are in school.  If they're too young for school, what
        time are you going to have available for your business REALLY?
        Is your three year old really going to leave you undisturbed for
        two hours so you can work on that project you promised your
        client would be ready by the end of the day?  You may have no
        choice but to work at night after they're in bed or early in the
        morning before they're awake.

        Think about using daycare one or two days a week as well.  If
        you make this time really productive, it will probably pay for
        itself and your kids get the best of both worlds.  Time with you
        at home and the social interaction they get from the daycare
        environment which helps prepare them for school.

        => Resources

        Apart from financial, what other resources do you need?  Do
        you need a new computer?  Scanner?  Fax machine?  Printer?
        This need not be prohibitively expensive but turn your mind to
        these things.  I just bought a combination color printer, fax
        machine, copier and scanner for a couple of hundred dollars.
        It's a Compaq A1000 and is excellent!

        Think also about your communications systems here.  You'll
        need a separate business telephone, fax and data line.

        => Distribution

        How will you distribute your products or services?  If your
        business is webpage design, it's easy, obviously.  But if your
        business is stained glass lampshades, how will you ship your
        products?  Will insurance be required?  Special handling?

        => Pricing

        How will you price your products and services?  This is a whole
        article unto itself, fortunately, one that I have already written!
        Grab a copy of "Pricing Yourself to Get and Stay In Business"
        by autoresponder at .

        => Marketing and Promotion

        How will you market and promote your business?  Think laterally
        here.  There are both online and offline opportunities.  Online, the
        obvious thing to do is create your own website and promote it
        actively.  Offline, consider things such as press releases,
        newspaper advertising and, if your budget runs that far, radio and
        TV advertising.  Your imagination is your only limitation.  Don't
        discount off the wall ideas.  Even car bumper stickers and flyers
        on community bulletin boards count as marketing and promotion!

        => Timing

        Finally, think about when to make the break from paid workforce
        to full-time home business.  It may be that you can run your
        business part-time for a while before giving up your day job.  This
        depends on a thorough consideration of your financial position,
        of course, but more importantly, running your business part-time
        while continuing to work gives you a chance to test the waters, to
        get some idea of whether your business idea will work in the real
        world.  If, in the event your business model simply doesn't
        work, you won't have sacrificed everything in the process.  For
        a more detailed treatment of this subject, read "One Foot In Each
        Camp ... Making the Break from Paid Workforce to Full-Time
        Home Business".  It's available by autoresponder at
        .  You may also care to read
        a time management article I wrote on moonlighting with a
        business on the side while you work fulltime, "Moonlighting's
        Greatest Challenge".  It, too, is available by autoresponder at
        .

        This concludes Part I of this article.  Hopefully you have plenty
        to be getting on with.  Stay tuned for Part II next week when we'll
        be looking at Toddlerhood, the Terrible Two's and the Troubled
        Teens.

        ------

        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.  Pro-Motion Column - Answers for the "Pro in Motion"
        ============================================================

        by jl scott, ph.d., Director, iCop?

        Q. In reference to your Q&A column last week ... We know
        the benefits to the customer of using credit cards ...
        protection etc. You don't mention what benefits or
        disadvantages using a Debit Card can carry. This is very
        important I would think. I don't know the exact answers but
        suspect they are not the same as for a credit card. Please
        could we have an article on that subject? Thanks! (Tina)

        A. Thanks for asking this question, Tina! I considered adding
        this information to last week's column but in the interests of
        keeping the column short - I left it out. Now, we have a chance
        to address it.

        I received several comments on the use of debit cards after last
        week's column. To be absolutely sure what the deal is, I called
        an officer of my bank. So the information I'm about to give you
        is per Bank of America.

        A debit card works exactly like a credit card in every way
        except how the money is actually paid. Last week we covered
        the fact that the payment on a debit card is deducted from the
        customer's bank account. It is different from a regular check
        in that the customer can NOT stop payment on it in the same
        way that (s)he can stop payment on a check.

        This isn't necessarily a disadvantage though. The customer
        can still DISPUTE the charge in the same manner that a
        charge is disputed with a credit card.

        If we're looking for disadvantages, I suppose the main one is
        that the customer might forget to enter the debit card payment
        in the check register as (s)he would when writing a check.
        Other than that - I don't see any disadvantages and I use a
        debit card regularly.

        I was also informed that ANY company that accepts Visa or
        Master Card credit cards is REQUIRED by Visa and Master
        Card to also accept their debit cards. That should answer the
        question as to whether you can use your debit card online. It
        also answers that any online business owner accepting these
        credit cards MUST also accept their debit cards.

        * To submit questions to "Pro-motion"

        jl scott, ph.d., Author
        Copyright © 2017, All Rights Reserved

        This article may be reprinted with permission by including the
        following resource box:

        ------ - and also
        the publisher of MONDAY MEMO! - the ezine dedicated to
        upgrading Professionalism on the Web. For your FREE
        subscription:

        ============================================================
        5.  This Week's Subscriber Web Site Pick - A Good Read
        ============================================================

        "A Good Read" is subscriber Judith Tramayne-Barth's website.
        Judith writes:

        "I would like you to consider http://www.agoodread.com .
        Why? Because I have a profit motive :-) Seriously, I have
        a murder mystery e-book which is a very good read, Original
        Art e-cards Pack which can be sent via email, free articles
        which help people become more successful. Added to this are
        three (3) pages of of free software links, writing and other
        useful sites for people with little or no money.

        But, more important on my site, I have thought outside the
        box like you suggest and have developed web pages which
        advertise my ability to write web copy and do web site
        analysis. It dawned on me after two years on the Internet,
        working 12 to 16 hours a day, 7 days a week, I have amassed
        this incredible amount of knowledge which might be useful to
        other people, yet still produce a livelihood for me in this
        rural resort town which thinks $5 is a livable wage.

        As you can see from my signature line, my ebook is $1.25
        with a money back guarantee. Name another *FICTION* author
        that does this. I doubt you will find any on the Internet.

        I do make my living from the Internet (writing for other
        companies) but not from my site as yet -- so yes, I would
        like to be featured in your ezine. My goal is to is to use
        both my muses (Art and Writing) to create successful
        businesses on the Internet.

        Judith Tramayne-Barth
        Murder Mystery Thriller for $1.25
        The only *FICTION* book with
        a money back guarantee!
        UPaint Child Chair Craft Kits
         

        Well, I was going to say Stephen King but I guess he doesn't
        give a refund if you don't like the book!  Judith's site is a great
        example of taking your natural talents and putting them to work.
        This is what I meant in this week's article when I said that,
        when you start thinking about what you might want to do as
        a home business, begin with your natural passions and talents.
        That's exactly what Judith's done with her site, A Good Read.
        Check it out.  It's an excellent example of creative, lateral
        thinking used to earn an online income.

        ------

        If you want your site seen by thousands, write and tell me
        about it!  But make sure it's one you've created yourself
        or have had created especially for you.  No self-replicating affiliate
        sites please.

         

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

        ============================================================
        8. Subscription Management
        ============================================================
         

        To SUBSCRIBE to this Newsletter:
        Home Business Newsletter

        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!
         

        ============================================================
        10. Contact Information
        ============================================================

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

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

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        All Rights Reserved

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