Friday, June 19, 2009

The Benefits Of Helping An Online Business Newbie

Do your remember when you first ventured out in the online business world? You probably had questions and problems along the way. Wouldn't it have been easier if you had help? When a newbie asks for your advice, educate them; answer their questions and help them solve their online business problems. If you do not have the knowledge to help them out, point them in the right direction. You'll get many benefits from helping online business newbies. Below are eight possible benefits you could receive:

1. You will feel good knowing that you had a part in helping them build their business. You can sit back and say "I had a part in their success." 2. They may become one of your best friends. Most people can use new friends, even business owners. You may even become business partners and create a totally new business together. 3. You could end up being strategic business allies in the future. You could regularly do joint venture and cross promotion deals with each other.

4. They may help you out with your business. Maybe they will give you some testimonials or endorsements for your products or services. 5. You might gain some valuable referrals from them. They may also join your affiliate program and make sales for your business. 6. They might offer you some free advertising space on their web site or in their e-zine for your help. You could also exchange advertising with them. 7. You both could end up developing a new product or service together. The product or service could be a combination of your current ones.

8. They might purchase the products you sell and become one of your best customers. You could sell them many back end products or services in the future. You help them with your previous valuable experience, and help them to save time and save money if you tell them which marketing resources and business opportunities are effective and reliable, and which ones are just hype to avoid. You will get rewarded greatly if you are doing a great job to help online business newbie.

There are probably many other benefits you could get from helping a new online business owner. Always remember to help them out because it's the nice thing to do and not just to benefit your own business.

---------------------------------------------------------
Julia Tang publishes Smart Online Business Tips, a fresh
and informative newsletter dedicated to supporting people
like you! To find out the best online business opportunities,
and to discover hundreds more proven and practical internet
marketing secrets, plus FREE internet marketing products
worth over $200, visit: http://www.best-internet-businesses.com
----------------------------------------------------------

How To Make $20.00 For Every $1.00 Invested

It has been said you can lift the Rock of Gibraltar if you have a fulcrum point and long enough lever. When we refer to "financial leverage" we are talking about the same principle. If you buy a business building for $100,000 with $5,000 down, this is using leverage of 20 to 1. For a mere 1/20th of the purchase price, you actually own and control property that is 20 times more valuable than your cash investment.

If the income of the building is only sufficient to make the payments and expenses and you don't gain any cash flow, you are still getting the building paid for and perhaps in 5 years or so, with continuing inflation, you can sell the building for $200,000... a gain of $95,000 on a $5,000 investment. This is the potential result of proper use of leverage.

A good rule to follow in applying leverage, relevant to any business venture for that matter, is always provide a reserve. Hold back some cash for emergencies. Hold back additional capital so if you go under you will have a nest egg to start a new venture.

Sometimes when things go sour and there is no way out it is better to take the least loss possible, save what you can and get out...NOW! Use the remainder to again find financing, margin leases, mortgages, franchises and all the other manners of using money belonging to others for both their profits and yours.

Selling your property for cash then leasing back on a long term lease is an other form of leverage. If you sell for one million dollars cash and lease back at $10,000 per month, you have generated tremendous leverage. You now have $1,000,000 each with 10% down for each property, you now control 10 millions dollars worth of income producing properties. Sometimes it is possible to use options to hold property, with very little cash down, until you can obtain title and take possession. This can produce fantastic leverage if planned property.

Going public is an other method used to gain leverage by using other people's money. You receive money from the public for shares of your corporate stock and at the same time establish a market value for your unissued stock.

Before you apply leverage on any proposition, be sure know just what your are doing. There must be a continuous favorable cash flow to service your debt, pay all your costs and expenses and give you a reasonable profit. If weakness occurs in any one or several of your business entities, it could drag down your entire organization.

2. IN FRANCHISES

Franchising your business operation packet is another form of leverage. You are selling others your know-how and the right to use your system and/or product for a price, either a share of the profits, a bulk payment or a combination of both.

It is not as simple as it used to be to become a franchiser, due to controls and red tape established by the various state and governmental agencies. In some states it is just about impossible for the layman to proceed to wade through all the red tape required to satisfy the laws. However, if it were easy to do, it probably would not be profitable anyway.

When you have met all the requirements of the various agencies, you will have an operating manual and pro-forma accounting statement...You will have developed a turn-key package for your franchise offering

To get started right get revised statutes of the state from the Secretary of State and study the requirements for establishing and selling franchises.

As your franchises become better known and after you have a few locations, instead of selling one franchise at a time, offer area franchise to "master" franchise holders. Get a portion of the set-up charges for each area plus a continuing percentage of gross business from each operating unit.

3 IN THE STOCK MARKET

*BONDS

You can earn interest on non-existent money and buy bonds on a regular basis without ever paying for any of them except the first five bonds. You will need $500 in cash and a brokerage account in both the U.S. and Canada. Open an account with a canadian brokerage House and deposit a &500 check with them. On the same day, before your check clears, open a brokerage account in your home town. This one may be opened without any money.

You buy new issue bonds through your American Broker and state that they MUST be delivered to your Canadian Broker for payment. The very day that you purchase the bonds, you will start drawing interest. It will take 5 or 6 weeks for the bonds to be delivered, and all the time you will be earning interest.

With this plan, you can space your order so that you can have $1000,000 or more in bonds on order. and when they arrive at your Canadian Broker, it works like this:

The Broker accept the first five bonds of $1,000 each and place them in your account. When the second $5,000 worth arrives, (you must always order in $5,000 units), he then sells the first bonds to pay for the third, etc...

The results are BIG profits for non-cash existing money. You can actually earn up to 80% interest on money you don't even have.

Often the new bonds will have an increase in resale value to add to the interest earned. Thus a $5,000 bond at 8% interest rate that takes 60 days to deliver would earn $67.00 interest. If they go up in value, you may pick up an additional $200 to $500 or even more when they are sold.

* PENNY STOCK

Periodically a great deal of money has been made dealing in Penny Stock but it is highly speculative and is perhaps once in a lifetime that one is able to hit it right to cash in with a spectacularly high yield.

To take some of the speculation out of it, many investors purchase only 100 shares or so, of a number of different company's stock. In this way they may only $50 to $100 invested in each of 40 to 50 firms. This is one of the best ways to go when getting acquainted with this kind of investment.

The stock of one of the Nation's larger firms, which now has outlets in about every city in the United States, was selling at 60 cents a share in 1963. 100 shares at that time for a total of $60 is now valued at over $75,000!

$9,000 invested in 1948 in stock of what was then a small timber firm, was worth over $1,000,000 a few years ago, and in addition would have proceed average dividends over the years sufficient to equal a top salary each year. A person who invested at that time would have been able to "goof off" from that time forward, receive more money than working for a living and still have over a million dollars in the bank or for other investments.

There are various newsletters covering low priced stock. One should subscribe to several and analyse the information before investing.

---------------------------------------------------------
Julia Tang publishes Smart Online Business Tips, a fresh
and informative newsletter dedicated to supporting people
like you! To find out the best online business opportunities,
and to discover hundreds more proven and practical internet
marketing secrets, plus FREE internet marketing products
worth over $200, visit: http://www.best-internet-businesses.com
----------------------------------------------------------

Note: Feel free to publish it with the resource box and content unchanged

The Lazy Person Secrets To Overnight Wealth And Fame

There are so many simple, yet really sure-fire ways of acquiring wealth, it's a wonder everybody with even the least bit of ambition isn't already rich. When you come right down to it, the only things needed for anyone to make bundles of money are the long-range vision and the energy to put a money-making plan into force.

One of the easiest methods of building wealth, and the one most often used by the "smart" people, is to furnish the expertise, equipment or growth capital to promising beginning business. Basically, you buy in as either a part owner or limited partner; then, as the busines grows and propers with your help, you reap your share of rewards.

The beautiful part about this whole concept is that you can repeat this procedure over and over again. You can start out with, say marketing and sales leadership for small, garage-type business; then with your holdings and earnings from that business, invest in another, and keep doing this until you own a part of twenty-five to an unlimited number of businesses. Looking at the idea from a dollar return point of view, if you were getting $200 per month from 25 different business, your monthly income would amount to no less than $5,000 and that's not too bad for a fledgling millionaire.

Look around your own area. With just a little bit of business sense and perception, you're sure to find hundreds of small businesses that could do better--perhaps even become giants in their--with your help.

Most small businesses need, and would welcome marketing, promotional, advertising, and sales help. If a quick survey of business turns you on with enthusiasm about the potential profits to be made with just a few changes that you can suggest, then you are on your way.

Basically, you set up an appointment to see and talk with business owners about some ideas and help that could double or triple their profits. When you approach them in that manner, their almost certain to want to see you and hear want you have to say.

In prepartion for your meeting, set your ideas down on paper. Put them together in an impressive marketing or profit potential folio. Outline your ideas, the costs involvrd and the ultimate profit to be gained.

Then, when you arrive for the meeting, be sure to look nad act the part of a successful business person.A few pleasantries to break the ice, and begin with your presentation.

Through your proposal, you must instill confidence that you can do all you claim for him. Guide him through the presentation to the ultimate profits---- all for a 10 or 20 percent limited partnership in the business, which really won't cost him anything. Of course, if he is reluctant to give up any part of his ownership, you come back with the idea of being hired as a consultant.

Almost all small businesses need help of some kind. The owners get bogged down in a myraid of every day problems and things to do. They find there just are not enough hours in the day to handle everything that should be taken care of, and end up neglecting or putting off some of the things they should be doing to keep the business prosperous. As a result, the long struggle for business survival begins, with more than 60% of them selling out at a loss or just closing up shop.

The other way to " cut yourself in" on a piece of someone else's business is to supply needed money. If you can come up with 10 or 15 thousand dollars, you can easily "buy into" some small businesses. Be sure to look the business ( and its market potential) over; but once you spot one that can really be a winner with just a little bit of operating cash or money for expansion, then start figuring!

You can reach a never ending supply of such businesses to choose from, simply by running a small advertisement in your daily newspaper in the .Classified section under the heading of Business Opportunities Wanted. Such an ad might read:

SUCCESSFUL BUSINESS EXECUTIVE LOOKING FOR NEW BUSINESS VENTURES. WILL CONSIDER BUY OUT OR PARTNERSHIP. PO BOX 123, CITY

By the same token, make it a habit to look through the Business Opportunities Available on a regular basis. Mark a few each day and follow up. Check them out, And see what kind of a deal is being offered. Remember, proper management and planning are basically the ingredients to success in business; and most small businesses just do not have these ingredients in the proportions needed to attain their greatest profit potential.

Other people have done it, and more are starting up every day. There's no reason why you can't do it. In most cases little or no cash is needed. But with a little bit of action on your part, you could quickly become a multi-business owner, and very wealthy as well.

There are so many simple, yet really sure-fire ways of acquiring wealth, it's a wonder everybody with even the least bit of ambition isn't already rich. When you come right down to it, the only things needed for anyone to make bundles of money are the long-range vision and the energy to put a money-making plan into force.

One of the easiest methods of building wealth, and the one most often used by the "smart" people, is to furnish the expertise, equipment or growth capital to promising beginning business. Basically, you buy in as either a part owner or limited partner; then, as the busines grows and propers with your help, you reap your share of rewards.

The beautiful part about this whole concept is that you can repeat this procedure over and over again. You can start out with, say marketing and sales leadership for small, garage-type business; then with your holdings and earnings from that business, invest in another, and keep doing this until you own a part of twenty-five to an unlimited number of businesses. Looking at the idea from a dollar return point of view, if you were getting $200 per month from 25 different business, your monthly income would amount to no less than $5,000 and that's not too bad for a fledgling millionaire.

Look around your own area. With just a little bit of business sense and perception, you're sure to find hundreds of small businesses that could do better--perhaps even become giants in their--with your help.

Most small businesses need, and would welcome marketing, promotional, advertising, and sales help. If a quick survey of business turns you on with enthusiasm about the potential profits to be made with just a few changes that you can suggest, then you are on your way.

Basically, you set up an appointment to see and talk with business owners about some ideas and help that could double or triple their profits. When you approach them in that manner, their almost certain to want to see you and hear want you have to say.

In prepartion for your meeting, set your ideas down on paper. Put them together in an impressive marketing or profit potential folio. Outline your ideas, the costs involvrd and the ultimate profit to be gained.

Then, when you arrive for the meeting, be sure to look nad act the part of a successful business person.A few pleasantries to break the ice, and begin with your presentation.

Through your proposal, you must instill confidence that you can do all you claim for him. Guide him through the presentation to the ultimate profits---- all for a 10 or 20 percent limited partnership in the business, which really won't cost him anything. Of course, if he is reluctant to give up any part of his ownership, you come back with the idea of being hired as a consultant.

Almost all small businesses need help of some kind. The owners get bogged down in a myraid of every day problems and things to do. They find there just are not enough hours in the day to handle everything that should be taken care of, and end up neglecting or putting off some of the things they should be doing to keep the business prosperous. As a result, the long struggle for business survival begins, with more than 60% of them selling out at a loss or just closing up shop.

The other way to " cut yourself in" on a piece of someone else's business is to supply needed money. If you can come up with 10 or 15 thousand dollars, you can easily "buy into" some small businesses. Be sure to look the business ( and its market potential) over; but once you spot one that can really be a winner with just a little bit of operating cash or money for expansion, then start figuring!

You can reach a never ending supply of such businesses to choose from, simply by running a small advertisement in your daily newspaper in the .Classified section under the heading of Business Opportunities Wanted. Such an ad might read:

SUCCESSFUL BUSINESS EXECUTIVE LOOKING FOR NEW BUSINESS VENTURES. WILL CONSIDER BUY OUT OR PARTNERSHIP. PO BOX 123, CITY

By the same token, make it a habit to look through the Business Opportunities Available on a regular basis. Mark a few each day and follow up. Check them out, And see what kind of a deal is being offered. Remember, proper management and planning are basically the ingredients to success in business; and most small businesses just do not have these ingredients in the proportions needed to attain their greatest profit potential.

Other people have done it, and more are starting up every day. There's no reason why you can't do it. In most cases little or no cash is needed. But with a little bit of action on your part, you could quickly become a multi-business owner, and very wealthy as well.

Tips to Starting your Own Busniess

The 9-to-5 grind can make you feel like a just another cog in the corporate machine, constantly punching the clock for someone else's vision. One day, while dreaming of the world outside the cubicle, you have your big "Eureka!" moment-you've come across an idea so perfect that you need to start your own business around it.

Coming up with the idea is the easy part. Now, you're thrown into an entrepreneurial world where even the experience businessperson can feel overwhelmed by all the details.

It's hard to know where to even begin. So here are some tips to starting your own business:

- Craft a primitive budget: do you have enough capital to get this idea rolling? First things first, figure out roughly how much it'll cost you including all expenses, and where that money will be coming from. Call in favors from everyone you've even leant money to in the past in need be.

- Does the business world need you?: is there a large enough demand for your product? Ask around before even attempting to start your business-check with similar businesses in the area, or around the country. Find out how they started, and what kinds of clients they target, to get an idea of where you'll fit in the market.

- Create a strong management team: your team members should share your vision of the business, and a certain amount of proficiency and credibility. Rely on your connections to find the perfect people for the jobs that will bring their expertise to the business. Remember that you will eventually have to set aside your ego and let them control certain aspects of the company, so your have to feel comfortable around your management team.

- Start small: instead of immediately trying to market your product to 5,000 companies at once, focus on a few dozen specialized local companies to network with. This way you can call them each personally, mail them your marketing materials, and then arrange a meeting.

- Quality matters: you want to be able to set your self apart from all the other businesses similar to yours. Having an eye-catching yet simple to navigate web site and presentation material is key to succeeding in the modern business world. Creating quality marketing tools doesn't have to cost you a fortune either; consider hiring a design art or marketing student from a nearby university to help out. You never know, you could even meet your next Junior Executive.

- Come up with a good business plan: keep it less than 25 pages, and include information about your management team, who your customers as, and most importantly, why the world needs your business. At this stage in the game, don't over-focus on the financial side of things yet. A business plan outline can be found at http://www.sba.gov/starting_business/planning/basic.html.

For more tips, including an A-to-Z guide to starting your own business, and 21 ways to draw customers in, go to www.entrepreneur.com.

Jessica Klein is a member of the 'Mount Real Research Team', whose aim is to seek out and distribute business information to the virtual public. She is a freelance writer based in Montreal, Canada who loves writing about anything from accounting to zebras.

For more info about Mount Real, visit http://www.mountreal.com.

5 Things You Must Do Well When Buying a Business to Not Get Burned

Are you not sure what Business to buy? Need to know what is a fair deal?

Martin Smith thought he was buying an established business with good credit and collectable accounts receivable. The day after settlement the surprises began.

Inventory could not be used because expiration dates had past. Money shown as receivable had already been collected. Vendors that were only willing to ship COD. Over $100,000 of real problems that should have been detected during the business purchase process popped up and almost shut Martin down.

Can you afford to be surprised? Of course not.

You have the power to not end up like Martin.

Owning your own business is part of the American Dream. Buying a business has many advantages over starting one from scratch if you know how. Be prepared and get all the benefits of buying an existing business.

Tangible benefits such as existing cash flow, existing customer base, existing systems, knowledgeable employees, and locations can be obtained cheaper by buying an existing business than starting from scratch.

1. Understand and Know What You do Well and Like

You must really look at the activities you like to do and find a business that allows you to do them. For instance some people want customers to come to them. A retail store may work well for them. On the other hand some owners would loose their minds staying in a store all day; perhaps something with outside sales will work for them.

Are you a people person, a thinker, a leader, or a salesperson? Do you like steady hours, flexibility etc. How much money do you have to purchase with? How much money must you make every week?

Remember the process of buying the business is not the same as running one. Do everything possible to make sure you buy one you will love running.

2. Make a Comprehensive Search for a Business

Make sure you know how to look for a business. Don't just go to one source but really check multiple reliable sources to find the business that is right for you.

Systematize your notes so you know what you looked at. Make sure you compare your strengths and weaknesses with the day-to-day tasks of running the business.

3. Understand and Value the Business Properly

Understand the basic financial techniques to value a business; it's cash flow and other assets. Know how to prepare a basic business plan in order to make projections into the future.

Understand how the business is getting its customers. Know how it delivers goods and services. Know the cash flow and how you will keep the current cash flow and then grow the cash flow.

4. Know how to structure and finance a business

Have a basic understanding of how the business valuation and related cash flow tie together. Make sure you know a number of possible ways to put a transaction together to overcome different risks.

Understand what may be financed by a conventional bank loan, a SBA loan or seller take-back. Understand how to take your outline deal and put it into a final enforceable contract.

5. Perform Due Diligence Thoroughly and Correctly

Know what to look for when investigating a company. Know how to tie accounting records into source documents. Understand inventory, equipment, vehicle titling and other problems. Understand what should occur at settlement. Make sure you are getting what you have agreed to pay for.

Bonus Tip

Recognize that the Broker almost always represents the Seller. For most small business purchases you, the buyer, will go through most of the process on your own. Make sure you know enough to get select the right business and negotiate a fair deal.

Gregory R. Caruso is an expert at helping business owners plan and execute the sale of their businesses. Greg is an inactive CPA, attorney, and business owner with 20 years experience. He can be reached at www.successfulexits.com.

1 Step Program to Achieve All of Your Goals

In Jack Canfield and Mark Victor Hansen's original "Chicken Soup for the Soul," I am reminded of the short story titled "Another Check Mark On the List." This is a story about a 15-year-old boy named John who, on one rainy day, when it was too wet outside to play, he decided to write a list of goals. John continued writing until he had 127 goals. These goals included exploring the Nile River, climbing high mountain peaks around the world and learning 3 foreign languages. He also wanted to be featured in a Rose Bowl Parade and play several musical instruments.

Of the 127 goals that he listed over 60 years ago, John has achieved 108. If he lives to become 75 years old he will achieve 109 (he listed "live to see the 21st Century"). How did John achieve all of these goals? He wrote them down.

Step 1 Write It Down:

Write it down, write it down, and write it down!

Have you ever got to a point where you were going to write down a New Year's Resolution or some other goal you thought you wanted, only to find yourself procrastinate. One year later, did you need to achieve the same New Year's Resolution or goal? Why does this happen?

It happens because of that little voice inside of you that says, "I am not good enough or worthy enough to be in possession of the benefits derived from achieving my goal." "I have been programmed for failure."

I recently read a motivational quote that said: "If you can't write it down, you can't do it."

Let us think about that for a minute. Every day you may be compiling lists of things to do to run your household, perform your job, or plan your business trip or vacation. How many times do you really write down, exactly what you want out of life?

How many long term or short-term goals do you write down?

Now when thinking about what you want to achieve focus your attention on specific words and ideas relating to your goals. Give those words and ideas your complete attention as you write them down.

Did you ever write a letter, business report, or term paper and at times find your fingers flying across the keyboard?

Since written words are symbols of objects, ideas, or feelings, could the physical process of entering these words onto a page actually create a subconscious connection?

I believe it does. When you use language to communicate on paper, you need to process the information on a subconscious level.

The help you are getting while creating your list of goals is coming straight from your powerful subconscious mind. Why not take advantage of the power of your mind in achieving your goals?

Write your goals down in your day planner, write them down, and hang them on your walls. Write your goals on sticky notes and place them on your bathroom mirror or on your windows.

Every time you write your goals down, your body is moving towards them. The goals are getting clearer and clearer. The roadmap you create by writing goals down projects straight to your subconscious mind and is being acted upon.

A now popular syndicated cartoonist wrote down 15 times a day, every day the following sentence. "I want to be a syndicated cartoonist." He did this every single day, even when he did not feel like a syndicated cartoonist. Now, Scott Adams, the creator of the "Dilbert Cartoon" is a full-time, syndicated cartoonist, known the world over. Scott "wrote it down."

One way to state that goal in a more positive and immediate context is to say, "I am a syndicated cartoonist." Act as if you already are in possession of the goal. It takes a lot of pressure off you during your daily activities when you feel the new role. You then become comfortable with it.

Write your goals down everywhere. As you write them down think about John, the 15-year-old goal achiever from the "Chicken Soup for the Soul" story. Now that John is in his seventies, what advice would John have for you when you ask him, "What is the most important thing I can do to achieve my goals?"

Listen to John whisper in your ear these three words... write it down.

Wayne F. Perkins is a Clinical Hypnotherapist and Sales Trainer who helps employees and corporate clients achieve their goals. Wayne offers published books, e-books and Audio CD programs including, "Build Your Business with Hypnosis" "My mission in life is to help you achieve your mission in life" http://www.wayneperkins.net

Reminders For Running A Better Business

The following tips are from an article we contributed to Compute magazine. These are ideas that we all should know, but many times forget. It constantly amazes us how quickly a basic tenent of business can be shoved by the wayside in the heat of daily transactions.

If we all try to keep these simple principles in mind, they may keep us on the straight and narrow in our pursuit of home office bliss.

1. Buy an answering machine. This will allow you to give your attention to a client and not the telephone. Be sure your message is done in a professional manner and includes business name, telephone number and hours of operation.

2. Be sure to have a separate telephone line for business. This will avoid your family using the same line and busy signals to prospects and clients. Keep your personal calls separate and insure your business line is always answered in a professional manner.

3. Read, read and read some more. You will constantly be learning about your business. Reading will allow for additional knowledge, change and growth.

4. Buy a fax machine. This will allow you to give your clients prompt responses and in many cases save on postage and telephone costs. It will also avoid having to leave your office to go and fax something at $1.25 or more per page.

5. Have an identity package professionally done. Your logo, letterhead, business card, envelope and brochure will be the first impression a prospect or client has of you. To insure the impression is a good one, have your business package done by a professional designer. The cost is worth it.

6. If possible set up your office in a separate room of your home. This will allow you to close the door at the end of the business day and allow better separation of your personal and business life.

7. To project a professional appearance be sure your home is always neat and clean-nothing lying about. In addition be sure your yard is well kept. Remember, first impressions count.

8. Be sure your business name is descriptive of what you do. Business names that don't relate to your services can hurt a business. Avoid using just initials, that's fine when you get to be the size of AT&T, but remember, in the beginning no one knows you.

9. Make up a business plan. This will help you research, define and outline your market. It also avoids starting a business in a field that may be overcrowded.

10. If possible, be sure to have at least six months worth of living expenses in reserve. This will allow you to concentrate on getting your business up and running without worrying about paying the bills.

11. If possible, buy a copy machine. This avoids having to go out every time you need to make a copy. Also, it allows you to give a client a copy on the spot. This can go a long way towards enhancing your image as a real business.

Copyright DeFiore Enterprises 2002

Interested in having your own successful, home based creative real estate investing business? Chuck and Sue have been helping folks start successful home based businesses for over 19 years, and we can help you too! To see how, visit http://www.homebusinesssolutions.com for the latest FREE tips and tricks, educational products and coaching in creative real estate investing and home based businesses. No time to visit the site? Subscribe to our "how to" Home Business Solutions Digest, it's like having your own personal coach: subscribeHBS@homebusinesssolutions.com