ZIP CODE PHONEBOOK THE NEW NEIGHBORHOOD PHONEBOOK

ZIP CODE PHONEBOOK THE NEW NEIGHBORHOOD PHONEBOOK

Yellow Pages, a California-based research company has been extensively

doing studies on U.S. ZIP (Zone Improvement Program) Codes. They can now

predict, with certain percentage of accuracy, what you ate for breakfast

based on your zip code.

ZIP Codes are the smallest, most organized accumulation of information by

which we can evaluate the demographic flavor of a given area.

From a marketing standpoint, most retail businesses use ZIP codes along with

the Perorate Principle that 80% of your customers reside within the ZIP

codes that connect to your collection. In theory, they live no more than

7 miles from where you are.

A CHANGING MARKETPLACE

The phonebook we have grown accustomed to was developed over 30 years ago.

The only way it has grown in terms of thickness, weight, and aesthetic

design. From a marketing perspective, except for its dominance and near monopoly,

it has been rendered useless by a more mobile and more efficient market.

When the Yellow Pages were first introduced, the world of "malls",

"strip malls", "executive centers", and "postal & mail box centers" were

unknown to American consumers. Today, it is easier for us to dial directory

assistance than to use the phonebook.

USE OLD PATTERNS

To make it easy for advertisers and consumers to swallow something new, make

it look like it's old. So, use simple patterns and designs borrowed from

old phonebooks, including rates charged for your territory. Establish your

advertising rates based on the number of homes and businesses your ZIP Code

phonebook is going to. You can have as many ZIP Codes covered, just make

sure you do not pile up a marketplace too large you are practically competing with the

phone company. The best rule of thumb is to break the phone companies general

distribution area into 7 phonebooks.

GTE used to have what they called "The Neighborhood Phonebook". I think the

reason it died is that it broke down its neighborhood either very

conceptually or too similarly to the way all other phonebooks do.

Advertisers want solid numbers. ZIP Codes are solid. Just ask the postal service.

THE LAZY PERSON'S SECRETS TO OVERNIGHT WEALTH

THE LAZY PERSON'S SECRETS TO OVERNIGHT WEALTH

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 businesses. Basically, you buy in as either a part owner or limited partner;

then, as the business grows and prospers with your help, you reap your share of the

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 a

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 businesses, 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 field - with your help.

Most small businesses need, and would welcome marketing, promotional,

advertising, and sales help. If a quick survey of a 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 the business owner about

some ideas and help that could double or triple his profits. When you approach him in

that manner, he's almost certain to want to see you and hear what you have to say.

In preparation for your meeting, set your ideas down on paper. Put them together in

an impressive marketing or profit-potential folio. Out-line your ideas, the costs

involved and the ultimate profit to be gained.

Then, when you arrive for the meeting, be sure to look and act the part of a successful

business person. A few pleasantries to break the ice, and then 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's 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 myriad of everyday problems and things to do. They find there just aren't 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 Avail

able 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 don't 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 just a little bit of

action on your part, you could quickly become a multi-business owner, and very

wealthy as well.

THE INSIDE SECRETS TO PERSONAL TAX SHELTERS

THE INSIDE SECRETS TO PERSONAL TAX SHELTERS

Everybody wants to keep as much of the money they earn as possible. Those people

in the higher income brackets are forever looking for a way to protect their money

from the income tax collectors.

Thus, the idea of personal tax shelter. The thing is, how can you tell which ones are

the good ones, and which ones are the bad ones. - tax shelters can certainly "keep

your money out of the hands of the IRS" - but some of them can cost you dearly as

well. Generally, all real estate purchases have definite tax advantage. In even the

simplest kind of transaction such as buying a better home for your family, you'll be

able to deduct from your gross income the amount you pay in mortgage interest and

property taxes.

If you rent out your old house, or buy a house as a rental property, you'll be allowed to

deduct all your expenses from the rent you receive. You can also deduct the

depreciation on the house, based on the cost or on the market value at the time the

house was converted to a rental property, whichever is lower.

You also have the option to compute your depreciation over 15-years, which would

probably give you a tax loss even though the property is producing a cash income for

you. Remember though, you cannot claim a depreciation on the value of the land, only

for the cost of the house.

Until 1981, you could not deduct losses on a property rented to relatives - however

that rule has been repealed and now makes family tax savings available in certain

situations when you rent to relatives. Be sure to check with your local IRS Office for

complete details.

So-called Clifford Trusts are tax shelters that shift the gross income of a company or

family bread-winner to other family members in lower tax brackets. An income-

producing property is transferred to a trust which must be set up to last 10 years and a

day. The beneficiary receives the income during this period, and then the property

reverts back to the grantor.

This type of trust is often used to accumulate money for children, who can use it for

higher education or for a start in a career or business of their own. You should bear in

mind when setting up such a trust however, that parents have a legal duty to support

their minor children and thus, a trust cannot be set up to be used for that purpose.

Equipment Leasing Programs are another common income-sheltering method. Most

of these programs can be combined with a trust. Her's how they work: The owner of

a business sets up a trust for a family member. Business property or equipment is

transferred to the trust, and then leased back to the business. The trust gets the

income, and the business gets a deduction for the rental fees it pays.

From another angle, the trust could buy equipment for lease to the business and get

deductions for interest and other expenses involved. Investment tax credit can also

sometimes be claimed in non-net-lease situations.

Making interest-free loans is another method of sheltering one's income. Say you

lend several thousand dollars to a son or daughter who invests the money. The

borrower gets the income, and you eventually get your money back. If you're in the

50% tax bracket and the borrower is in the 25% bracket, your tax savings can be

considerable.

Investing in Municipal Bonds are very definitely a means of sheltering your income.

Income from these bonds is tax free, but it's generally lower than from other types of

investments. Municipal Bonds pay at a fixed rate of interest. Relative to other kinds

of investments you could make, you'll lose on Municipals if interest rates go up, and

win only if the interest rates on other investments go down.

By now, everyone knows about IRA's and Keogh plans for the self-employed. You put

money into a personal retirement trust and pay no taxes on it until you actually

withdraw from it. Some companies give their employees a chance to set up their own

retirement accounts, thereby deferring part of their gross incomes until after they

retire.

However, deferring income until after one retires is no longer as attractive as it used

to be, particularly if your tax rate is not expected to change after retirement. If you

don't anticipate a lower tax bracket after you retire, it's generally better to take all your

income now and invest it in high yield growth funds that will mean more money for you

in your retirement years.

There are innumerable ways and methods to shelter your gross income from the tax

collectors, all of them legal. The important thing is to check them out with your tax

preparer and decide which would be best for you.

THE INSIDE SECRETS OF FREE PUBLICITY FOR YOUR BUSINESS

THE INSIDE SECRETS OF FREE PUBLICITY FOR YOUR BUSINESS

Product publicity is the "secret pathway" to business success everyone wants. In

simple terms, product publicity is a kind of advertising that costs you nothing, yet

brings in the orders for you.

Regardless of what kind of business you are operating, you should want, and strive

for, as much publicity for your business and your products or services, as possible.

After all, it's "free advertising" that is essential to the growth of your business.

However, your publicity efforts should be well thought out, and pre-planned for

maximum results.

The first, and basic form of obtaining publicity is through what is known as the press

or news release. This is generally a one page story about your business, your

product/service or an event happening related to your business that is about to, or has

recently occurred. These publicity stories are generally "shotgunned" to all the various

media: local newspapers, radio and TV, and trade publications.

Problem number one is getting the people to whom you've sent these publicity stories,

to use them, publish or broadcast them. And this leads us back to the "right way" of

writing them and sending them in.

In every case, send a short cover letter addressed to the person you want your

material to be considered by... This means that you send your story to the city editor

of the newspapers' the news directors of the radio & TV stations: and the managing

editors of the various trade publications. It will do you no good whatsoever, to send

your material to the advertising, circulation or business managers - describing how

you're a longtime advertiser, subscriber or listener. The most important thing is that

you make contact with the person who has the final say as to what is to be published

or; broadcast, and at the bottom line - this person's use of - your material will

somehow make him a "hero" to his or her readers, viewers or listeners.

The cover letter should be a short note. Go to a paper supplier - tell them you want a

hundred or so sheets of good bond paper - 8 1/2" by 11" preferably in a pastel color

such as blue or ivory - and that you want this paper cut into quarters, giving you a

grand total of 400 sheets of note paper "From the desk of..." note sheets are too

elaborate until the people you're contacting get to know you - first time around, and

until they use your material, don't use these semi-formal note sheets...

On this note sheet, begin with the date across the top - skip a couple of spaces and

then quickly tell the recipient of the note, the attached material is new and should be of

real interest to his readers, viewers or listeners. We advise our dealers and

distributors of MONEY MAKING MAGIC - our regular publication for serious wealth

builders and extra income seekers - to send the following note to the editors and

news directors of the media in their areas:

"Here's something that's new, and for a change, truly helpful, to people trying to cope

with inflation - the soaring costs of living - and those engaged in building extra income

businesses of their own. Should be of real value - interest - to your readers.

Please take a look - any questions, or if you need more info, give me a call at: (503)

666-5824..." Then, of course, you skip about four spaces, type your name, your

business name, and your address - sign your name above where you've typed it, and

staple this note in the upper right hand corner of your news release. This note should

be typed and double-spaced.

So now, you've got a cover letter, and you know who to send it to... We type up one

such note, and take it to a nearby quick-print shop. They xerox the note 4 times, paste

these 4 copies onto one sheet of paper, print 50 to 100 copies, and cut the paper

into individual notes, all for less than $10... Do not try to save money by photocopying

or xeroxing - a photocopy is a photocopy is a photocopy, and will not do the job for

you...

Now you need the actual publicity release, which also must be "properly" written if you

expect it to be used by the media. Above all else, there's a proper form or style to

use, plus the fact that it must be typed, double-spaced, and short - about a half page

in total length.

About an inch from the top of the paper, with an inch and a half margin on each side of

the paper; from the left hand margin, type in all capital letters: PRESS RELEASE:

Then, underline these words. Immediately following the colon, but not in all capital

letters, put in the date. Always set the date forward by at least one day after the day

you intend to mail the release.

On the same line, but on the right hand side of the page, and in all capital letters, write

the words, FOR FURTHER INFORMATION: Underline this, and immediately below,

but not in all capital letters, type - your name - your phone number - and your

address...

Skip a couple of spaces, then in all capital letters - centered between the margins -

type a story headline, and underline it... Skip a couple of spaces, and from the left

hand margin, all in capital letters, type the words, FOR IMMEDIATE RELEASE: From

there on, it's the news or publicity story itself.

You can write the headline before the, story, and then a story to fit the headline - or the

story before the headline, and then a headline to fit the story - either way, it's basically

the same as writing a space ad or a sales letter... You attract attention and interest

with the headline and fill in the details with your story.

Here's an example of the headlines we use on publicity blurbs for MONEY MAKING

MAGIC:

HELP IN MAKING ENDS MEET

NEW PUBLICATION FOR EXTRA INCOME SEEKERS

Notice how we continue to sell or involve the editor - His readers are always looking

for better ways to make ends meet, and he's specifically interested as to what our

promise involves... He wants his readers to "think well" of him for enlightening them

with this source of help, so he reads into the story to find out who, what and how... An

actual copy of one of our publicity releases is contained as an appendix to this

report...

Suffice it to say that your headline, and the story you present to the editor, must sell

him on the benefits of your product or service to his readers. Unless it specifically

does this, he'll not use it. You must sell the first person receiving your materials.

Keep this fact uppermost in your mind as you write it. The person you send your

press or publicity release to, must quickly see and understand how your product or

service will benefit his readers - thereby making him a hero to them - and he must be

assured it will do what you promise in your headline.

Come right to the point and say your product is lower in price, more convenient to use

or in what way your product or service is useful to the people in general. It's also a

good idea to include a complimentary sample of your product or an opportunity for

him to sample your services.

Remember, the editors receiving your information are fully aware of your purposes -

Free Advertising! They are not in the least interested in you or your credentials - If

you've sold them on the benefits of your business to the readers, and they want

background details, they'll call you. That's why you list your telephone number and

address...

These people are busy people. They have not got the time nor the interest in reading

about your trials and tribulations or plans for the future. They want only "a flag" that

alerts them to something new and of probable real interest to their readers.

Sell the editor first. Convince him that you've found the better mousetrap. Show him

that your product or service - that your business - fills a need and/or will interest a

large segment of his readers, his viewers or listeners.

When an editor uses your publicity release, always follow-up with a short thank you

note. Never, but never send a publicity release to an editor and then call or write

demanding to know why he didn't use it, use it as you wrote it, or only gave you a

quick mention. Do this once, and that particular media will "round-file" any further

material received from you, unopened! If your first effort is not used, then you should

review the story itself, perhaps write it from a different angle; make sure you're

sending it to the proper person - and try again!

As stated earlier, these people are busy, with hundreds of publicity releases passing

across their desks every day - They only have so much space or time -therefore, your

material has to stand out and in some way, fit in with the information they - the editors-

want to pass along to their readers, viewers or listeners. Regardless of your

business, product, or service, you must build your press release - write it - around that

particular angle or feature that makes it beneficial or interesting to the readers,

viewers or listeners of the media you want to run your press release. Without this

special ingredient, you're lost before you begin.

The timing of your press release is always important Try to associate your press

release with current events in the news. A story on job layoffs and increased

unemployment carried in the newspapers, on TV and radio would prompt us to get a

publicity release out to all the media on the help and opportunity offered by MONEY

MAKING MAGIC! Say there's a deluge of chain letters and pyramid schemes making

the rounds - the media picks up on it and attempts to warn the people to beware...

Within 5 days, we would get a publicity release out, explaining the availability of our

report on chain letters and pyramid schemes - a report that explains everything from A

to Z - who are the winners and who are the real losers.

There's another kind of timing also to keep in mind... Publication Deadlines... For

best results, always try to time it so your material reaches the editor in time for the

Sunday paper. This is because that's when the papers have their greatest circulation;

the most space is available, and the people, the most time to read the paper.

For articles you'd like to appear in the Sunday paper, you'll generally have to get your

releases in at least nine days prior to the date of publication. If you're in doubt, call

and ask about the deadline date.

IN SUMMARY:

Choose the media most likely to carry your press release. Select those that carry

similar write-ups on a regular basis.

Always use a cover letter of some kind. It pays to call ahead to find out the name of

the person you should be sending your press release to.

Use the proper press release form, complete with a headline that will interest the man

deciding whether or not to use your item.

Be sure your press release is letter perfect - no typo's nor misspelled words - and

don't photo-copy - always have each letter or press release individually typed or

printed.

When your item is used, send a thank you note or call the editor on the phone

and thank him for using your press release.

Never, but never call or write an editor demanding to know why he didn't use your press

release, why he had it rewritten or cut it short - just try, and try again!

SECRETS TO SUCCESSFULLY STARTING YOUR OWN BUSINESS

SECRETS TO SUCCESSFULLY STARTING YOUR OWN BUSINESS

The American Dream is, and always will be, to come up with an idea, start a business and

become rich from your own efforts. Based upon this motivation, thou sands of businesses

fail each year, due primarily to not being familiar with the basics involved in running a

business.

This report will enlighten you, and give you a number of suggestions you can use to better

guarantee your chances for success. This report is written with the warning that any and

every business venture contains certain inherent risks, and any number of alternatives. We

do not espouse that any one way is the right way or that our suggestions are the only way.

On the contrary, we advise that before investing any money in a business venture you seek

counseling and help from a qualified accountant and/or attorney.

Just about the first thing you should consider before deciding to start or purchase a business

is the legal form you'll be operating under. There are basically four choices: sole

proprietorship, partnership, limited partnership, and/or corporation.

Each has a number of advantages and disadvantages. We'll try to enumerate some of them

for you. As much as anything else, for many people, starting a business is a form of ego-

gratification, and they form a corporation for some sort of prestige gain - just to say, "I own a

corporation."

With just a little bit of observation, you'll find that one of the major causes of business failures

is due to the founder wasting start-up capital on frills, such as an impressive store-front

office, expensive furnishings, and corporate legal costs.

One of the basic traits you must develop if you're going to be successful in business, is a

tight hold on your expenditures. In fact, a good rule of thumb is that any thing that does not

make money for you or protect your investment, should not be purchased at this time. Very

definitely, this applies to the expense of setting up your own corporation.

Unless you have a partnership and start your business as such, the only real advantage to

forming a corporation would appear to be that a corporate structure will semi-protect the

property you personally own.

As an example, you own a home and car. You form a corporation to protect these

possessions from business losses. Yet, if you can be found guilty of misusing corporate

funds, your business creditors can pierce the corporate shield and come after your

possessions.

Basically, if you invest everything you have in your business, as most newcomers do, you

don't usually need a corporation because you have nothing to protect. Your house hold

possessions, personal belongings, generally your car, ad even a portion of the

equity in your home is protected by the homestead provision of the Federal Bankruptcy Act,

and cannot be taken away from you.

As a sole proprietor or partner of a business you'll be paying taxes on your over all earnings,

much the same as if you were holding down a salaried or hourly paid job. Whether you do or

don't take out money as a salary will have no bearing on the earnings of your business and

tax return.

The often advertised advantage of incorporating, that you can manipulate your salary in order

to save on tax dollars, is real because of corporation laws. However, the IRS frowns on this

practice. When your business is successful and making a lot of money, definitely check with

your accountant on the advantages of incorporating.

As a corporation, you'll be subject to a number of other drawbacks as well: generally higher

state taxes, stricter laws concerning the operation of your business, more elaborate

accounting procedures, and legal papers that are required just about every time you make a

major move or sign almost any contract. Thus, your legal and accounting fees will be much

higher as a corporation than will those required for a sole proprietorship type of business.

As a sole proprietor or partnership, you'll find many areas require the registration of your

business name. The cost however, is minimal, ranging from $5 to $100. About the best way

to find out what laws apply in your area, is to call your bank and ask if they need a fictitious

name registration card or certificate in order for you to open a business account.

Selecting a name for your business is quite important to you and particularly relative to

advertising. Your business name should describe the product or services you offer. Fancy

names such as, Linda's Clipping Service will lose potential "walk-in and passing" customers

to the beauty shop across the street that calls itself, Patti's Beauty Salon or Jane's Hair

Styling shop.

The advantage of using your full name in the title of your business, such as Johnny Jones'

Meat Lockers, has the advantage of making credit somewhat easier to come by - provided

you pay your bills on time - but it also includes the disadvantage of confining your services to

a local or at most, a regional area.

Should you buy, lease, or rent space for your business? Think twice before you make any

decision along these lines. Most businesses tend to grow quickly or they never get off the

ground. There are a few exceptions, but only a very few, that tend to grow at a modified rate.

So, buying a piece of property and setting up your business on or within that property,

obligates you to ownership regardless of what happens to your business.

Leases are almost always very strong contracts written by attorneys to the advantage of the

property-owner. When you sign an agreement to pay someone for the use of their space

over any length of time, you're "nailed in" to paying for that space regardless of what

happens to your business.

In the beginning, it's wise to either get the shortest-term lease possible, or arrange to rent

with an option to lease at a later date. This does not apply to a retail business, unless your

particular business happens to be an untried one.

Definitely, you should open a business bank account. In selecting a bank for your business,

scout around and look for one that can, and will help you. Determine what your banking

needs will be, and then via telephone, interview the managers of the banks in your area. The

important thing is to be discretionary and not select just the most convenient bank to your

business location.

A point to remember: the closer you can make the relationship between you and the bank

manager, the better your chances are going to be for approval on loans and/or special favors

you may need at a later date.

Try to become acquainted with as many of the bank employees as possible. The better you

know them, the more courtesies they'll be extending especially to you in the course of your

association.

Just as a doctor is a specialist in his field, and you go to him for medical problems, your

banker is a specialist in his field and you should go to him for your money problems. In

business, you'll have to learn that everyone is an expert in his own line of work, and in your

associations with other business people, refrain from acting like a "sharpie" and/or

pretending that you know exactly how everything works in someone else's specialty.

You'll find that very often, different banks specialize in different types of businesses. As an

example, you're sure to find banks that specialize in real estate transactions, export-import

businesses, and even manufacturing operations only. What I'm saying here is that if you're

planning to sell a fairly expensive item, your customers will probably need and/or want

financing. It will behoove you to select a bank familiar with your type of product that will afford

your customers, through you, contract financing.

Some of the questions you should ask of your banker include the following:

Is it necessary to maintain a certain balance in your account before the bank will approve a

loan for you?

What qualifications must you have in order to obtain a line of credit with the bank?

Does the bank limit the number of loans, or types of loans it will approve for small

businesses?

What is the bank's policy regarding the size of a check you might deposit that requires

holding for collection? And what about checks less than that amount - will they be

immediately credited to your account?

In almost all types of businesses, it will be to your benefit to set up with your bank a method of

handling VISA, Master Charge, and regional credit cards. The important thing here is to

ultimately set up your account in the bank that will service all of these credit transactions for

you - one stop for all your banking needs. In most instances, you'll find that having the

capability to fill orders/make sales via credit card transactions, will increase your volume of

sales appreciatively.

Once you've made the decision as to which bank is going to handle your account, you'll need

your Social Security Number or you Federal Employer's Identification Number, your driver's

license, the fictitious name certificate, and if you're requesting a VISA or Master Charge

franchise, you'll also need a financial statement. For corporations, you'll also need a

corporate resolution approving of the opening of your business account.

There are different policies exercised in just about every state regarding installation/hook-up

charges by the telephone and utility companies. Some require a deposit, and some don't.

You'll find that a great number of city business license departments are there solely for the

purpose of collecting another tax. Depending on the type of business you're asking a license

for, the building and zoning people may inspect your premises for soundness of structure and

safety. Generally, you won't encounter any difficulties - you simply pay your fee to operate

your business in that city, and the clerk types your name onto a city license certificate.

Relative to sales tax permits and licenses, each state's rules and regulations vary widely.

The best thing to do is call your state offices and ask for information concerning registry and

collection procedures. Many states require an advance deposit or bond, and you'll find that

some wholesalers or manufacturers will not sell to you at wholesale prices until you can show

them your sales tax permit or number.

Should your business entail selling your products or services across state lines, in an other

state, you're not required to collect taxes except in those where you have offices or stores.

You may find also that your particular business requires the collection of Federal Excise

Taxes. For information along these lines, check in with your local office of the Internal

Revenue Service.

Some states also require certain businesses to hold state licenses, such as those required

in many states for TV Repairmen. These are known as "occupational permits" and are most

often required of barbers, hair stylists, real estate people and a number of other consumer

oriented businesses. If you have any doubts, check with your state offices for a list of those

occupations that require licensing.

Any business doing business in any type of interstate commerce is subject to federal

regulations, usually through the Federal Trade Commission. This means that any business

that shops, sells or advertises in more than one state is subject to such regulation, and this

includes even the smallest of mail order operations.

Normally, very few business people ever have any contact with the federal regulatory

agencies. The only exceptions being when there is a question of your operating your

business unethically or illegally.

Any business that sells or distributes food in any manner almost always requires a county

health department permit. If your business falls into this category, simply call the county

health department and invite them out to your place of business for an inspection. The fees

generally range from about $25, depending on the size of your business when they first

inspect it for permit approval.

There are also a number of businesses that require inspection by a fire marshal, and fire

department approval. Generally, these are those that handle flammable materials or attract

large numbers of people, such as a theater. Overall, the local fire department has to be

allowed to inspect your premises whenever they desire to do so.

You may also run into a requirement for an air and/or water pollution control permit. These s

pecifically apply to any business that burns anything, discharges any thing into the sewers or

waterways, or use any gas-producing product, such as a paint sprayer.

Without a doubt, you'll need to check on local regulations relating to advertising display

signs. Each city or township makes its own rules and then enforces those rules according to

its own thinking - check before you contract to have a sign made for your business.

The design and placement of your sign is very important to your business - specifically to

retail establishments - but let me remind you that your business sign is usually the first thing a

potential customer sees and as such, it should catch his eye and leave an impression that

lasts. It would be a good idea to ride around your town and take a look at the signs that

catch your eye, and try to determine the impression of the business that sign leaves on you.

This is a basic learning formula for determining the design, size and placement of your

business sign.

Some of the other things to consider before opening for business - If you intend to employ

one or more employees, you'll be required to deduct Federal Income Taxes, and Social

Security payments from their checks. This will involve your filing for a Federal Tax Number

and necessitates contact with your local IRS Office.

Most states have "unemployment taxes" which will have to be deducted from the pay checks

of any employees you hire. And there are a number of states that have income taxes -

disability insurance - and any number of other taxes. Again, the best thing to do is check with

your local office of the IRS. And above all else, don't forget to ask for the rules of the

minimum wage law, and comply.

When your business grows to the point of needing additional help, don't be afraid to look for

and hire the help you need. When you're ready to hire someone, simply run an ad in your

local paper and/or register your needs with the local office of your state's employment

service. Businesses either grow or die, and those that grow eventually need more people in

order to continue growing. When that time comes, hire the additional people you need, and

your business will continue growing. If you don't, for whatever reason, you'll find yourself

married to your business and your business growth stymied.

Regardless of how small your business is when you begin, never walk in with the thought in

mind that it's something to keep you busy. Anyone with an attitude of that kind is a fool. You

begin and make a business successful in order to realize financial freedom. Establish your

business. Put it on its feet, and then hire other people to do the work for you. And those

businesses that require an operations manager, or some one to run a phase of the business

you're too busy to handle, hire the person needed or the business will surely suffer.

To protect the investment of your business, you need business insurance. If you've never

had any experience with business insurance, simply look under the heading of "business

insurance" in your phone directory. Ask for bids from several different companies or

agents... Primarily, you should have a policy that gives you general liability, fire, workmen's

compensation, business interruption, and vehicle coverage. You may also want coverage

against possible losses related to burglary, robbery, Life & Accident, Key Man, and Fidelity

Bonds.

As the sole proprietor of a business, you won't be paid as an employee, so there will be no

income tax deducted from whatever you withdraw from the company's earnings. What you'll

have to do is again check with the IRS Office for a Tax Guide For Small Businesses

Handbook, and probably end up filing an estimated tax return on a quarterly basis.

The minute you open your doors for business, you'll have to spend some time engaged in the

work of book-keeping. Exactly how, and using what forms, you keep books, should be on the

recommendations of a good tax counselor... The same holds truem for your overall business

and/or payroll accounting system. Look for an experienced CPA that knows the accounting

problems to your particular kind of business, and solicit his advise/counseling.

If your business is going to involve the possible purchase or lease of operating equipment,

again seek the help of your tax counselor for the most advantageous method of obtaining the

needed equipment. Basically, arranging for your suppliers to give you materials on credit will

depend upon your honesty and personal financial statement. The best way is usually a

personal visit to the person with the power to approve or disapprove of credit at the company

where you want to set up a credit account. Show him your financial statement, and explain

your prospects for success. Then assure him that you've always honored all of your

obligations, and that if ever there's a question or problem, you'd like for him to call you at

home. And of course, give him your home phone number.

We won't go into the exigencies of advertising your products, services or business here, but

there is something along these lines you should always keep in mind. The best kind of

advertising your business can receive is that that you don't really pay for - publicity. When

something unusual happens to you, your business, or your employees - that's news, so be

sure you tell the news media in your area about it.

In closing, let me say that the most important ingredient of your eventual success will be the

soundness of the planning you did before you started your business. Any number of bad

things can really throw your business into a tailspin, but if you've done your homework well -

really set up a detailed business plan before starting - your losses or setbacks will be

minimal. Success takes planning, and within this report, you've got a basic checklist... The

rest is up to you... Good luck, and may your life overflow with success in all that you

undertake from this moment forward.

SURVIVAL TIPS FOR SMALL BUSINESSES

SURVIVAL TIPS FOR SMALL BUSINESSES

You may be in Mail Order, Direct Mail, or you may be a local merchant with 150

employees; whichever, however or whatever - you've got to know how to keep your

business alive during economic recessions. Anytime the cash flow in a business,

large or small, starts to tighten up, the money management of that business has to be

run as a "tight ship."

Some of the things you can and should do include protecting yourself from

expenditures made on sudden impulse. We've all bought merchandise or services

we really didn't need simply because we were in the mood, or perhaps in response to

the flamboyancy of the advertising or the persuasiveness of the salesperson. Then

we sort of "wake up" a couple of days later and find that we've committed hundreds of

dollars of business funds for an item or service that's not essential to the success of

our own business, when really pressing items had been waiting for those dollars.

If you are incorporated, you can eliminate these "impulse purchases chases" by

including in your by-laws a clause that states: "All purchasing decisions over (a

certain amount) are contingent upon approval by the board of directors." This will

force you to consider any "impulse purchases" of considerable cost, and may even be

a reminder in the case of smaller purchases.

If your business is a partnership, you can state, when faced with a buying decision,

that all purchases are contingent upon the approval of a third party. In reality, the third

party can be your partner, one of your department heads, or even one of your

suppliers.

If your business is a sole proprietorship, you don't have much to worry about really,

because as an individual you have three days to think about your purchase, and then

to nullify that purchase if you think you don't really need it or can't afford it.

While you may think you cannot afford it, be sure that you don't "short-change" your

self on professional services. This would apply especially during a time of

emergency. Anytime you commit yourself and move ahead without completely

investigating all the angles, and preparing yourself for all the contingencies that may

arise, you're skating on thin ice. Regardless of the costs involved, it always pays off

in the long run to seek out the advice of experienced professionals before embarking

on a plan that could ruin you.

As an example, an experienced business consultant can fill you in on the 1244 stock

advantages. Getting eligibility for the 1244 stock category is a very simple process,

but one with tremendous benefits to your business.

The 1244 status encourages investors to put equity capital into your business

because in the event of a loss, amounts up to the entire sum of the investment can be

written off in the current year. Without the "1244" classification, any losses would

have to be spread over several years, and this, of course, would greatly lessen the

attractiveness of your company's stock. Any business owner who has not filed the

1244 corporation has in effect cut himself off from 90 percent of his prospective

investors.

Particularly when sales are down, you must be "hard-nosed" with people trying to sell

you luxuries for your business. When business is booming, you undoubtedly will allow

sales people to show you new models of equipment or a new line of supplies; but

when your business is down, skip the entertaining frills and concentrate on the basics.

Great care must be taken however, to maintain courtesy and allow these sellers to

consider you a friend and call back at another time.

Your company's books should reflect your way of thinking, and whoever maintains

them should generate information according to your policies. Thus, you should hire an

outside accountant or accounting firm to figure your return on your investment, as well

as the turnover on your accounts receivable and inventory. Such an audit or survey

should focus in depth on any or every item within your financial statement that merits

special attention. In this way, you'll probably uncover any potential financial problems

before they become readily apparent, and certainly before they could get out of hand.

Many small companies set up advisory boards of outside professional people. These

are sometimes known as Power Circles and once in place, the business always

benefits, especially in times of short operating capital. Such an advisory board or

power circle should include an attorney, a certified public accountant, civic club

leaders, owners or managers of businesses similar to yours, and retired executives.

Setting up such an advisory board of directors is really quite easy, because most

people you ask will be honored to serve.

Once your board is set up, you should meet about once a month and present material

for review. Each meeting should be a discussion of your business problems and an

input from your advisors relative to possible solutions. These members of your board

of advisors should offer you advice as well as alternatives, and provide you with

objectivity. No formal decisions need to be made either at your board meeting, or as

a result of them, but you should be able to gain a great deal from the suggestions you

hear.

You will find that most of your customers have the money to pay at least some of what

they owe you immediately. To keep them current, and the number of accounts

receivable in your files to a minimum, you should call them on the phone and ask for

some kind of explanation why they're falling behind. If you develop such a habit as

part of your operating procedure, you'll find your invoices will magically be drawn to

the front of their piles of bills to pay. While maintaining a courteous attitude, don't be

hesitant, or too much of a "nice guy" when it comes to collecting money.

Something else that's a very good business practice, but which few business owners

do is to methodically build a credit rating with their local banks. Particularly when you

have a good cash flow, you should borrow $100 to $1,000 from your banks every 90

days or so. Simply borrow the money, and place it in an interest bearing account, and

then pay it all back at least a month or so before it's due. By doing this, you will in

crease the borrowing power of your signature, and strengthen your ability to obtain

needed financing on short notice. This is a kind of business leverage that will be of

great value to you if or whenever your cash position becomes less favorable.

By all means, join your industry's local and national trade associations. Most of these

organizations have a wealth of information available on everything from details on

your competitors to average industry sales figures, new products, services, and

trends.

If you are given a membership certificate or wall plaque, you should display these

conspicuously on you office wall. Customers like to see such "seals of approval" and

feel additional confidence in your business when they see them.

Still another thing often overlooked: If at all possible, you should have your spouse

work in the business with you for at least three or four weeks per year. The important

thing is that if for any reason you are not available to run the business, your spouse will

be familiar with certain people and situations about your business. These people

should include your attorney, accountant, any consultants or advisors, creditors and

your major suppliers. The long-term advantages of having your spouse work four

weeks per year in your business with you will greatly outweigh the short-term

inconvenience. Many couples share responsibility and time entirely, which is in most

cases even more desirable.

Whenever you can, and as often as you need it, take advantage of whatever free

business counseling is available. The Small Business Administration published many

excellent booklets, checklists and brochures on quite a large variety of businesses.

These publications are available through the U.S. Government Printing Office. Most

local universities, and many private organizations hold seminars at minimal cost, and

often without charge. You should also take advantage of the service s offered by your

bank and local library.

The important thing about running a small business is to know the direction in which

you're heading; to know on a day-to-day basis your progress in that very direction; to

be aware of what your competitors are doing and to practice good money

management at all times. All this will prepare you to recognize potential problems

before they arise.

In order to survive with a small business, regardless of the economic climate, it is

essential to surround yourself with smart people, and practice sound business

management at all times.

SECRETS OF GETTING FREE ADVERTISING

SECRETS OF GETTING FREE ADVERTISING

The opportunities for getting free advertising for your product or services are limited only by

your own imagination and energies. There are so many proven ways of promoting your own

objectives without cost that it literally boggles the mind just to think of listing them.

One way is to write an article relative to your particular expertise and submit it to all the

publications and media dealing in the dissemination of related information. In other words,

become your own publicity and sales promotions writer. Get the word out; establish yourself

as an expert in your field, and "tag-along" everything you write with a quick note listing your

address for a catalog, dealership opportunity, or more information.

Another really good way is by becoming a guest on as many of the radio and television talk

shows or interview type programs as possible. Actually, this is much easier to bring about

than most people realize. Write a letter to the producer of these programs,then follow up with

an in-person visit or telephone call. Your initial contact should emphasize that your product or

service would be of interest to the listeners or viewers of the program - perhaps even saving

them time or money.

Other ways of getting free or very inexpensive exposure include the posting of advertising

circulars on all the free bulletin boards in your area, especially the coin-operated laundries,

grocery stores, and beauty and barber shops. Don't discount the idea of handing out

circulars to all the shoppers in busy shopping centers and malls, especially on weekends.

You can also enlist the aid of the middle school students in your area to hand out circulars

door-to-door.

Some of the more routine methods include having a promotional ad relative to your product

or service printed on the front or back of your envelopes at the time you have them printed

with your return address.

Be sure to check all the publications that carry the kind of advertising you need. Many mail

order publications just getting started offer unusually low rates to first-time advertisers; a free-

of-charge insertion of your ad when you pay for an order to run three issues or more; or

special seasonal ad space at greatly reduced rates. And there are a number of publications

that will give you Per Inquiry (PI) space - an arrangement where all orders come in to the

publication, they take a commission from each order, and then forward the orders on to you

for fulfillment.

Many publications will give you a contract for "stand-by" space. In this arrangement you send

them your ad, and they hold it until they have unsold space, and then at a price that's always

one third or less than the regular price for the space you need, insert your ad. Along these

lines, be sure to check in with the suburban and neighborhood newspapers.

If you send out or publish any kind of catalog or ad sheet, get in touch with all the other

publishers and inquire about the possibilities of exchange advertising. They run your ad in

their publication in exchange for your running an ad for them of comparable size in yours.

Finally, there's nothing in the world that beats the low cost and tremendous exposure you get

when you advertise a free offer. Simply run an ad offering a free report of interest to most

people - a simple one-page report with a "tag-line" inviting the readers to send money for

more information, with a full page advertisement for your book or other product on the

backside. Ask for a self-addressed stamped envelope, and depending on the appeal of

your report and the circulation of the publication in which your ad appears, you could easily

be inundated with responses!

The trick here, of course, is to convert all of these responses, or a large percentage of them,

into sales. This is done via the "tag-line," which issues an invitation to the reader to send for

more information, and the full page ad on the back of the report, and the other offers you

include with the complete package you send back to them. As mentioned at the beginning of

this report, it's just a matter of unleashing your imagination. Do that, and you have a powerful

force working for you that can help you reach your goals.

SECRETS OF ECONOMIZING IN INFLATIONARY TIMES

SECRETS OF ECONOMIZING IN INFLATIONARY TIMES

During periods of high inflation, most people have to "tighten their belts," and watch their

expenditures a bit more closely. After all, buying on credit and attempting to spend more

than you have coming in is a sure-fire road to financial ruin.

In order to live within your income - keep the bill collectors off your back - and not really lower

your accustomed standard of living, this report is made up of a number of proven ideas to

help you.

One of the first things you should do is take write out a budget. You do this by listing your

total take home income on one piece of paper, and all of your regular monthly obligations on

another piece of paper. A good idea is to set up a separate envelope for each of your bills -

use the envelopes from your incoming mail for these, marking on the front of each envelope

what it's for.

There should be an envelope for your mortgage or rent payment, for any payments to loan

companies, and of course your charge cards, for your groceries, your lights, heat, water and

telephone costs. Then, as you get paid, cash your check and divide the money you have into

each envelope. If you're "strung out pretty tight," you may have to contact each of your

creditors with a request to lower your payments, and extend them over a longer payback

period. If after making out your budget - and actually seeing on paper how much money

you've got to pay your bills - this is necessary, then by all means get in to talk with your

creditors. Tell them about your situation; explain to them that you've taken a look at your

income/outgo situation, and have devised a plan and work with you in everyone off. In almost

all instances, they'll welcome your plan and work with you in every way possible to help you

get caught up.

Probably the biggest area in which you can cut your expenses is with your groceries. To do

this, always make a detailed and itemized list of the things you need before you leave home.

Total up the costs and if it goes beyond the amount you want to spend or have to spend,

simply go back through your list marking off those things lease necessary. Never go grocery

shopping when you're feeling hungry!

When making up your list of groceries to buy, always check your local newspaper for best

buys - if you've had to discontinue newspaper delivery - check your local post office about

midweek and you'll find "grocery shoppers' supplements" stacked up by people who don't

want them. Go through your papers with a fine tooth comb and compare prices. Shop at the

"no frills" stores, the "food barns" and liquidation sales.

By all means, clip out the "cents off" and refund coupons. Keep a sharp eye out at all times

for these coupons and use them - if they're for brands or items that you don't want to use,

offer to trade them with people who want them.

It almost goes without saying that when you're trying to watch your expenses, you'll have to

give up snacks and eating out. Instead of buying a candy bar to munch on as you walk

through the store, buy a bag of apples and take one with you from home. Instead of eating

out once a week, cut it down to once a month and make it a real reward for having lived

within your budget for the preceding month.

With your cooking, prepare more of your meals from scratch instead of serving processed,

pre-cooked or hear and serve meals. Save your foil/transparent plastic wrap - just wash it

and use it again. Use paper towels or do without napkins. Use bread wrappers and save

those place containers - just wash and use them for keeping leftovers. Use washable cloth

handkerchiefs instead of expensive facial tissue.

Clothing is another area in which most people can save. Instruct everyone in your family that

there won't be anymore new clothes purchases until you've got your finances reorganized -

instruct them to learn to value and take care of the clothes they have - make them last longer.

Learn to sew on buttons, repair ripped seams, and sew on patches. Never throw anything

away - if something becomes outgrown or no longer wanted, save it for a garage sale or

trade for something you can use at a second hand store.

Learn all you can about auto upkeep and minor repairs. Visit your public library and explore

what is available that you can use to learn how to "do-it-yourself" instead of having to pay

someone to do it for you. Talk with your relatives, neighbors and co-workers about swapping

services - you do little odd jobs for them in exchange for their doing things for you that you

either can't or don't want to do.

Save and sell all materials that can be recycled such as aluminum, bottles and paper. Don't

splurge on gifts - either at Christmas or on birthdays. Think of things you can either make

yourself or trade for - often-times a handmade card is a gift-enough when times are tough.

And finally, don't go shopping at the big advertised sales if you don't have the cash in hand to

buy a needed item. A savings of $50 on an item that puts you $50 in debt is no savings at

all. At the bottom line, before you buy anything, ask yourself if you "really" have to have it!

PREPARING RESUMES: BETTER JOBS FOR YOU AND OTHERS

PREPARING RESUMES: BETTER JOBS FOR YOU AND OTHERS

Here's a business you can start for virtually nothing, and parlay into a million-dollar

enterprise in five years of less. Many established resume writing services in the large

metropolitan areas are reporting annual incomes of $250,000 or more. Even the smaller

operations, in towns as small as 15,000 are experiencing sales of $50,000 or more.

No special knowledge, education or experience is required for total success in this

business. An awareness of the general format of the "modern resume," and the ability to

keep oneself up-to-date on refinements or new approaches to presenting resume material

are about the only prerequisites to successfully operate a resume writing service.

Probably the most exciting and motivational aspects of this business idea are the low

investment and risk factors involved, and the growing demand for resume service. Up until

the past couple of years few if any Americans really had to look for jobs. People in general

have either forgotten how to look for a new job, or never knew how in the first place.

Since the start of World War II, back in 1941, the American worker has been spoiled by an

affluent society and an ideal market for the job seeker. Usually, all he had to do whenever

he lost a job or wanted to change jobs was to report in to the local branch of his local

employment service office, check in at his union office, look at the want ads in the Sunday

paper, or call a few friends and ask about job openings.

But no more! Times have changed! There are fewer jobs and an increasing number of

people applying for those jobs that are available. Just recently, the post office department in

a large west coast city advertise that applications would be accepted on two days only, for

600 upcoming openings. Would you believe that twenty thousand applicants showed up to

fill out applications! Can you imagine the post office personnel people reviewing all those

applications, and then interviewing all those people, according to the fair employment

practices act?

On another day, word got out that there was going to be an opening for a forklift driver at a

local warehouse. Fifteen hundred men and women showed up even before the job was

advertised!

Times are tough, and we're moving ever deeper into the age of specialization. Employers

are demanding to know more about the applicant - his work record, natural talents and

personality traits. They want more information upon which to base their interview selections

than just the cold facts on the application form. Personnel managers are placing a higher

premium on their time, and delegating to others the job of "weeding out" the unqualified

applicants from those whose backgrounds and goals come closest to fitting the needs of the

company.

To get in to see the person doing the hiring nowadays, the job applicant has to "sell the short-

stopper," and that calls for a professionally written resume. More and more firms are

demanding resumes. Industry estimates are that by the year 2000, most of the jobs worth

having will require a written resume before even an initial interview is granted. And that's

where you can fit into the picture with your Professional Resume Writing Service. Probably

80 percent of the people searching for jobs don't have a resume. Of the 20 percent who do

have resumes, many are ineffective; they simply do not adequately present the applicants

total qualifications.

Everyone - with or without a resume - is looking for this key: A professionally written resume,

a sales presentation of their qualifications and experience that will get the job for them - the

job they want. The job hunters are wound up in their won specialties and problems. They

don't know how, and they don't have the time - AND they are willing to pay you to put it all

together for they. Just as you are willing to pay a doctor, dentist or investment broker, those

who need a resume are willing to pay you for this service. The market exists in every city and

town in this country, and the demand for this service is growing daily. Your opportunity for

success beyond your fondest dreams has never been greater! The brass ring is here! Grab

it, and hold on!

You will need a modern, professional quality typewriter. You can begin, and perhaps get by

for a month or so, with a top quality portable, but do yourself and your business a favor:

Arrange to rent, lease or buy on monthly payments if necessary, the best machine for the

quality of work that will command top dollars for you.

Setting up and operating from your own home will be the most economical way to begin. In

addition to your typewriter, you should have a typewriter stand, typist's chair, adjustable long-

arm lamp, and a file cabinet. However, just as you can make do with a portable typewriter for

a month or so, you can get by for starters with a kitchen chair at your dining room table.

To prepare yourself properly, invest in a good book on how to write "job-winning" resumes.

Select a book that discusses both the cover letter and the format of the body of the resume.

The most important part of any resume package is the cover letter the applicant sends as

part of the resume. This letter state the specific job the applicant is applying for, explains

why be believes he is qualified, and pointedly asks for an interview. In most cases, you'll be

able to provide an "all-purpose form letter" which your client can adapt to any position that

interests him. More later about actual writing of the resume and the cover letter.

The format and style of the body of the resume are the items you want to learn from your

book. Resumes of today generally follow this outline:

1. Name

2. Address

3. City, state, zip

4. Phone Number

5. Type of job or position wanted

6. Goals and/or desires in life

7. Job history, starting with current or last job held

8. Special courses, education or training completed.

9. Military History

10. Formal Education

11. Activities while attending school: athletics, office awards

12. Hobbies and special interests

13. Notation that names of business and personal references will be furnished on request.

14. Availability

15. Health

Once you are organized with space and equipment, you are ready for business. All that is

necessary from this point on will be advertising, client review, and producing the final

product. Your advertising needs, in comparison with many other businesses need not cost

you an exorbitant amount of money. It should, however, be consistent and eye-catching.

You should contact your area's most widely read newspaper and arrange to run a one-

column by one inch ad every day for the next six to twelve months. By purchasing your ad

space on a daily insertion basis, and over at least a six-month period, your rate will be much

more than the rate charged for shorter contracts.

Your newspaper ad might read something like this: A Complete, Professional Service

MIDWEST RESUME SERVICE Resumes -- Letters - Portfolios Éthat result in jobs! Phone

123-4567Aside from an ad in the newspaper, and perhaps a similar one in your area

shoppers' papers, the only other advertising efforts you should worry about are those that

don't cost money -- free bulletin board announcements, radio and television talk show

interviews, and low cost flyers, circulars or brochures that describe your services.

One method of gaining business exposure which is most often overlooked is the radio and

television talk show interview. Call the broadcast stations in your area and get the names of

the producers of these talk shows. Then write them a letter explaining your services, and

how you believe an appearance on their program could be deuced on better quality paper.

You had in mind?

CLIENT: Yes! That's just what I had in mind. When can we get together and start the ball

rolling?

YOU: How about this afternoon at 3:15, or would tomorrow morning at say 9:45 be better for

you? We're located at 600 North Main Street. Are you familiar with the area?

CLIENT: Yes, I know the area, no problem. This afternoon at 3:15 will be fine.YOU: Good!

Now, let me have your name and phone number please.

CLIENT: Gives you his name and phone number.

YOU: All right, Bob, we'll look forward to seeing you this afternoon at 3:15.You now have a

client and an appointment to interview him for background information in order to put

together a resume that can result in a job for him. Be sure you are prepared with a

"researcher's questionnaire," to guide you in the questions to ask.

Type your resume format on a separate sheet of paper, numbering each question you want

an answer to, or subject you want to cover. This of course serves as a "master" which you

duplicate and use as the researcher's questionnaire guide.

For each interview, take one of these "interview guides" and an ordinary yellow legal tablet,

and start asking questions. Identify each page of notes with a number or subject matter from

the resume format, and use a separate page of the tablet for each subject and each job the

client may have had.

The interview should be relaxed, with the client doing most of the talking. However, you should

control the interview and take notes as the client gives you the information you need.

Be confident, but friendly. Maintain your confidence and ask leading questions that elicit

complete, revealing responses. Take your time, and "listen" to what the client isn't telling you

as well as what he is telling you. With a bit of practice, you will be able to find out all there is

to know about your client in twenty minutes or less.

Look ahead to the day when you have employees working for you. Develop your interviewing

techniques to a state of maximum efficiency for your business, and then record three or four

interviews for use in training your employees. You should also reproduce several examples

of completed resumes and put them into an instruction book for study by new employees.

After the interview, you need to interpret your notes and type the information into a resume.

This should be easy because you have gathered the details in sequence with your resume

format. Familiarity with format writing style makes the task of putting everything into finished

form quite simple.

At the very least, a quick course in resume writing will be necessary. Check out a book on

the subject from your public library. The important thing to remember is to drop the "I's" and

write in a kind of note-taking reportorial style:

"Hired as an entry level shipping clerk. Recognized need for organization on the loading

dock to eliminate congestion. Suggested designated spaces for incoming and outgoing

shipments. This program was adopted and immediately eliminated congestion's of trucks

and decreased overtime requirement, with an estimated saving of $700 per week for the

company. Promoted to Line Expeditor after six months."

Don't put a time limit on the amount of time your devote to each client, but once you are

organized and established, the interview through the finished resume should not take more

than an hour or two.

After you have the resume typed, call the client in to check it over and approve it. In almost

every case, he will be very favorable impressed and ready to go with anything you suggest.

The secret is in the quality of your work -- a modern typewriter with good type, clean paper

and error-free copy.

So, you explain to your client that his resume will make a more favorable impression on the

prospective employer when it is printed on better quality paper. Suggest to him that you

have it printed for him on colored "offset" paper instead of ordinary bond. Ivory, tan or blue

shades are desirable. For the really expensive-looking resume, suggest that it be printed on

11 x 17 paper, and then folded in half to make a kind of "book" about the client.

The charges for your service should be about $50 for the interview, original resume, 50

copies on white bond paper, and a universal cover letter. For colored offset paper, or for 11

x 17 sized sheets, check current prices at your print shop. You should pass those costs on to

your client, plus a nominal service charge of $5 or so. Also explain to your client that you can

up-date or add to his resume whenever the need arises, and for this service you charge $10,

plus the cost of printing as many copies as he requires.

Now for the cover letter -- probably the most important part of any resume submitted for job

consideration. The first thing you ask your client regarding the cover letter is if he intends to

submit his resumes in answer to advertised positions, or if he intends to "shot-gun" them out

to possible employers. According to his stated plan, you simply use one of the two general

forms for cover letters.

And that's it -- the basics you need for starting your own highly profitable resume service. A

couple of thing to always bear in mind: Your success will be directly related to the quality of

the finished product you put out. Learn to do it right, and then strive for perfection with every

job you complete for the client.

Remember too that the image you project is the credibility rating you will carry with your

customer. Shabby surroundings, a disorganized office and a less than professional

appearance will doom you to failure. Be impressive! Keep your eyes open, and move into

an office among professional people as soon as you can.

Finally, put some real planning into starting your business; get it well established and running

smoothly; then hire other people to do the work. The object of a business of your own is not

steady employment for you, but financial security and independence -- to achieve and enjoy

the fruits of your labor. Plan your business, nurture its growth and then hire other people to

do the work while you guide, supervise and make bank deposits.

PRE-PAID LONG DISTANCE

PRE-PAID LONG DISTANCE

The next money-maker in the long distance telephone business will be

focused on the way we buy and pay for long distance service.

PAY PHONES & OTHER STUFF

In the last 4 years, technological advancement in telecommunications

services has opened doors for entrepreneurs to make money selling Ma

Bell's services.Private-Party-owned Pay Phones spread like wildfire, and 25Cent-Per-

Minute Long Distance Flat Rate Billing was introduced and gobbled up by an excited

marketplace.

PAY NOW, CALL LATER

Pre-Paid Long Distance service is nothing more than a marketing person's

dream of being able to charge for something that need not be delivered

right away.

Here's how it works:

1) You walk into a convenience store and buy a Phone Card for $10, or any

denomination it is being sold.

2) When the time comes for you to use the card, simply dial the toll-free

800 number and enter the 14-digit code printed on the card.

3) An automated operator's voice comes on the line and announces that you

have $10 worth of long distance calling available to you.

4) A dial tone comes on and you enter the area code and phone number you

want to call.

PLUS & MINUS

Pre-Paid Long Distance and collecting Phone Cards are now a big craze in

Japan. Phone Cards are now being traded like baseball cards, with values

in excess of $1,000. Companies giveaway free long distance service as

premiums and incentives, and then print their names on the Cards that they

giveaway. But in spite of all these fads, Pre-Paid Long Distance has some built-in

disadvantages that need to be corrected to guarantee its success.

Here are a few:

1) We are a credit-based society. We are not accustomed to paying in

advance for services we are not using at the time of purchase.

2) The rates marketing companies are charging are relatively higher than

basic phone company rates.

3) As a business, long distance resellers and marketers will be competing

for the same consumer "penny".

Mixed with something novel or commercially accepted, pre-paid phone cards

may just make it big in the U.S.

PRE-APPROVED CREDIT CARDS

PRE-APPROVED CREDIT CARDS

Pre-approved cards are the result of one bank who now has you as a customer,

and sells your name to another bank or a series of banks so they can offer

you their credit cards. Here's how it usually works:

Many smaller banks want to be credit card issuers but, because of limited

facilities for credit card processing, it is sometimes difficult for a

smaller bank to cash in on the credit card boom. What's been developed is

an interconnect system where large banks will process credit card

applications and issue the credit cards for the little banks.

For example, let's say that Mini Savings & Loan wants to get in on the

Plastic Pursuit. However, Mini does not have the facility or the staff to

process credit card applications and issue credit cards. What Mini has to

do is contract the service with Maxi Bank.

Since Maxi has several banks that they provide this service to, Mini Savings

& Loan is just a welcome addition to their roster of client banks for whom

they process and issue credit cards.

When you apply for a credit card at Mini Savings & Loan, your application

is actually forwarded to Maxim Bank who runs a credit check and, granting

you have good credit, issues you your choice of VISA or MasterCard with

Mini Savings & Loan's name on it.

However, since Maxi is the issuing bank and since it has your credit on

their file, they can very well send you an application for their own credit

card. They can also sell your name to their other client-banks who can offer

you their credit cards on a pre-approved basis.

Another source that sells your name is the credit bureau. Because they can

program their computers to search for names of existing credit card holders

with clean and healthy files, they can provide issuing banks with a premium

mailing list of people to whom the banks can send pre-approved credit card

applications.

POLISH UP FOR HIGHER PROFITS

POLISH UP FOR HIGHER PROFITS

"I have a 31-step process. I shampoo seats, do the dashboard with Q-tips,

clean the trunk, dress the engine, etc. It takes 3 hours for what I do, and

I charge $120. That's detailed." This would be a typical response of

someone who does Auto Detailing when asked what they can do for your car and

how much they would charge you for it.The age of upscale car wash is here.

As we keep our cars longer (average length is 7.5 years) we take better care of them.

This is why the car wash business is booming with $8 billion in revenue, and so

is auto detailing.

EXECUTIVE PARKING

Many auto detail services nest their business in executive parking lots.

They get a permit from the city and from the business whose lot they use.

This is convenient for employees who otherwise may not have time to bring

their cars to a shop that would take 3 hours to get detailing done.

In a mobile operation such as this, you will need a van or pickup truck and

access to running water and preferably AC power. In some cities, there are

companies that convert and customize pickup trucks into mobile detail shops

with its own reservoir and portable power generator.

140 MILLION CARS

Although many auto detailers will swear that a bulk of their business comes

from car dealers, in reality the car dealer market is small and extremely

competitive. Most car dealers need cars detailed before a used car is

offered in an auction or is displayed in the lot.

However, the biggest market of all is still on the road, individual car

owners, representing all of 140 million passenger cars plus another 30

million pickup trucks on the road. This market, with an average age of

7.5 years, is ripe for a detail job at least twice a year.

BUDGET DETAIL

The best way to build up a base in this business is to introduce a mid-

priced service that offers extras that car washes do not offer.

Detail jobs in the range of $30 to $49 will open up a new market that can

provide a stream of customers. You can provide a written list of what you

do and how you build up your rates from the basic price of $30 to the

premium rate $49. With 5 customers a day, at 1 hour each, you can average

$200 a day.

PERSONAL SPORTS SCORECARDS

PERSONAL SPORTS SCORECARDS

Here's a beautiful idea that's sure to put a lot of cash in your pockets! It's an idea that

definitely fulfills a need, and has tremendous market potential virtually any where in the whole

world.

As you probably already know, our ever-improving standard of living is giving everyone

more and more leisure time - time to play, and enjoy doing the things that bring them

happiness.

Bowling and golf are two sports that have experienced a tremendous growth surge within

just the past 5 years. There's something about both of these sports that challenges a person

against himself - Spurs his inner determination to become perfect in his ability to play the

game.

You can capitalize on the abundance of leisure time, the challenge of the game, and man's

determination to do better the next time out than last time, with Personalized Bowling or Golf

Scorecards. The only investment needed will be a little bit of your time, and then your idea

should just about perpetuate itself. Here's how to get organized and started...

l) Make several Xerox copies of the "Personal Score Card" given as a part of this

report. Paste these "copies" onto light weight card stock.

2) Make a list of the sporting goods stores in your area, particularly those in the areas of

your bowling and golfing establishments. In fact, if you have several, it would be best to

group each list of sports stores with the bowling or golfing facilities by area.

3) With your example of the "Personal Scoring Record," call upon the owners or

managers of these bowling and, or golfing outlets. Using a low-keyed sales

approach, explain the workings of your product, and sell them on the idea of

putting up the money for the basic supply of cards and printing. (This will

enable you to reap l00% profit from the sale of advertising on the cards.)

These facilities benefit from an advertisement on the "front page" of each score

card.) Your sale to the bowling/golfing facilities managers should be for the

provision of one to five thousand of these cards, which they'll make available to their

patrons free of charge at their cash control counters.

4) You can either sell the advertising space on the card yourself, or hire

commission sales people to do the selling for you. It would be best to do your

own selling, because once you've got the card sold, you'll not have to do any

reselling - just call on your advertisers about once every three months to

perpetuate their contracts with you. It will be important, though, for you to

"drop in" on your advertisers at least once a month to check to see how things

are going, and if they are pleased with your advertising. If you don't drop in on

your advertisers except at renewal time, you will find it very hard to sustain

them as advertisers.

5) You should charge each advertiser at least $100 for exposure of his "one by

one" display ad on 5,000 of your cards for 3 months running. With space for a

total of twenty such ads, which the advertiser supplies for you, each bowling or

golfing facility that you set up with these personal scorecards should mean a

couple of thousand dollars in profits.

6) When you've sold your advertisers, and collected the ads they want to run on

your scorecard, take the "sample card" to your printer (any quick print shop

will do), have him help you with the "paste-up" and tell him to print 5,000 for

you, and to finish them by folding them for you. Your costs should all be

absorbed within the money received from the bowling or golfing establishment

you first sold the cards to... When your cards are ready, simply take them to the

original bowling or golfing manager, exchange a few amenities and leave them

with him for handing out to his patrons or customers.

From start to finish, the whole project shouldn't take you more than a couple of weeks. And

if you only sold one card every three months, this would/could mean a very easy annual

income of $12,000... Of course the ideal situation is to go on selling these cards, using the

same principle, to as many different bowling and golfing centers as possible. In small towns

with only one or two such centers, travel to the surrounding towns and sell the idea to them.

In the Seattle, Washington area, the people are grossing more than $150,000 a year while

working only one month out of every three!

This is the idea... It's very workable any where in the world ... It's been proven to be a

fabulous money-maker in Seattle, Washington... The next step, and the rest is up to you!