Make Money with your Camera

Make Money with your Camera

Make Money with your Camera
Make Money with your Camera

Several millions homes nowadays have some kind of photography equipment. Some operators are strictly amateurs but others do a professional job shooting for fun, even with very inexpensive

If you own a camera and can take some reasonably good pictures, you definitely can make money with your hobby by selling pictures.

The market for pictures is tremendous. It has been estimated that magazines and newspapers buy over 60 millions photos a year, although most of the pictures are taken by professional
photographers, there is a good deal of non professional hobbyists
making a good extra income selling their pictures to specialized markets, little known by the majority of people.

This information is intended to help you find a market for your
pictures, assuming you already take pictures good enough to be
sold. If you feel that your work could be improved, there are a
number of courses available, and you can also develop
professional touch and technical know-how by simply subscribing
to specialized magazines.

There is an incredible amount of markets for selling your
pictures, and the number is growing every day.

The beginners should avoid markets already overcrowded by
professional competitors, like very well known magazines, which
obviously deal only with professionals.

The best markets for a non professionals are

* Trade journals,
* Special interest magazines,
* Real Estate,
* Small local papers.

By consuming a great amount of pictures, maintaining a constant
demand for new ones, and paying less than well known magazines,
they avoid the competition of professional and industrial
photographers, and buy mostly from non professionals like

Special interest magazines attract very special groups of
readers. For example, magazines on hobbies, sports, gardening,
etc…They are bought by subscriptions or on newstands.

Trade journals are directed at very special professional and
Trades. They generally sold only by subscription.
To begin with, it would be advisable for you to get a book on
professional photography from your local library. This step will
enable you to get acquainted with copyright laws and special tips
for selling your pictures.

The starting photographer should concentrate on subject he is
familiar with, for example a special hobby and what he enjoys
shooting the most, whether it is sceneries, children, animals,

By finding out what is your speciality, you will be able to
select your market and determine what magazines could be
interested in your work.

The following guide is just a sample of companies in the market
for photos. It is difficult to keep such a directory current as
companies constantly change their policies, addresses, editors
and so forth. It is up to you to develop your own markets by
submitting photos you believe to be appropriate to editor’s
needs. After the addresses are listed the rates paid more for
extraordinary subjects depending of the news value and the
quality for the accepted photo.

* Service, Box 2801, Washington, DC 20013
$10 to $40.

* Newsweek International Service, 444 Madison Ave., NY 10022
$20 and up.* Transworld News

* Stock Photos Unlimited, 29 W 38th St NY, NY 10018
$10 to $40.

* New Times Magazine, 1 Park Ave NY, NY. 10016
$50 and up

* Popular Photography, 1 Park Ave, NY, NY. 10016
$30 and up.

* National Enquirer, Lantana, FL 33464
$35 to $150.


* Fishing World, 51 Atlantic Ave., Floral Pk, NY 11001
$30 and up

* Tennis Illustrated, 4222 Campus Drive, Newport Beach, CA 92660.
* Golf Digest, 495 Westport Ave., Norwalk CT 06856
$15 and up.


* Amtrak, 400 Capital St., N.W Washington, DC 20001
$35 and up.

* Track Talk, 2205 W Fairview Ave., Montgomery,AL 36092


* National Wild Life, 225 E Michigan, Milwaukee, WI 53201
$50 and up.

* Cats Magazine, Box 557 Washington, PA 15301
$10 to $30.

* Good Housekeeping, 959 8Th Ave., NY, NY. 10019


* Mother Earth News, Box 70 Hendersonville, NC. 28739
$50 and up.

* Vegetarian Times, Box 3104, Chicago, IL 60690
$20 and up.


* Science Digest, 224 W 57th St New York, NY 10019
$25 to $60.

* Popular Electronics, 1 Park Ave, NY, NY. 10016.


* American Greetings, 10500 American Rd., Cleveland, OH 44144.
$30 and up.

* Graphic Adventures, 9801 Harwin, Bldg O, Houston, TX. 77036.
&60 and up.

A simple equipment should produce pictures good enough to sell,
but of course, if you own special accessories, use them!

After you have selected the field you want to specialize in and
found several magazines related to your speciality, study what
kind of pictures the editors are buying. A general description of
picture requirements is often listed in the magazines. You can
also find out by looking at the pictures used in previous issues.
Submit only the pictures you consider as good or better than the
ones being used.

Send your pictures to the Picture Editor of the magazine by
finding the address in the publication itself or in the Directory
of Trade Journals at your local library, if the publication is
not sold on newstands.

If you are a beginner, start offering standard black and white
prints, which are easier to sell because they actually are the
ones having the greatest market.

Here is how your prints should be prepared in order to sell them:

* Glossy paper is preferred. Single weight paper via cheaper and
require less postage when mailed. Pictures must be flat.

* Most publication (But not all of them) Prefer 8″x10″. Check the
specific requirements of the publication before you prepare your
photos for sell.

* Number each negative, so each print you make will have a

* Order a rubber stamp with your name, address, telephone number
and an extra line for the number of the picture and stamp these
informations on the back of the print you want to offer.

* Always use stiff cardboard between the prints you are mailing
to protect them, and make a neat package.

* Use kraft envelopes and always write “please don’t bend” with a
red felt on the envelope to avoid any improper handling of your

* As you cannot expect to sell all the pictures you submit,
include a self-addressed return envelope with enough postage, so
the ones rejected can be mailed back to you.

* It is not necessary to send a letter with the pictures as it
will not help to sell the pictures.

* Make sure to obtain written consent from anyone whose picture
you have taken and intend to sell. You can obtain the standard
forms called “Model Release” in many photo shops, and when you
send your picture to the editor, enclose a copy of the release
with them.
Do not offer the same picture to more than one publication at the
same time, but if your pictures are rejected by one magazine send
them to other publications.
Many amateurs are making money in this little known field. You
will be able to do the same by following the simple advices
outlined in this report.


Start a Windows Washing Service

Start a Windows Washing Service

Start a Windows Washing Service
Start a Windows Washing Service

Here’s a business that, almost more than any other with equal
potential for real wealth, meets the most stringent requirements
of just about any skeptic. In fact, there’s so much in favor of
the “little guy” with this business, it’s a real mystery why more
people don’t choose this one as the vehicle for their ultimate
independence and financial security.

This is a business that can make you rich very quickly…It’s a
kind of service business that can can very profitably be operated
by one person–male or female..The basic knowledge needed for
success is simple and easy to learn..Very little monetary
investment is needed for equipment–usually less than
$100…There are virtually no storage space requirements…You
can operate out of your home for virtually as long as you like;
and yet, there’s a real demand for this type of business

The success potential for window washing services is present in
the smallest of towns as well as the largest metropolitan areas.
Your risks will be minimal, while your rewards can far surpass
even your wildest dreams. Generally, a one man operation in a
city of 50,000 can expect to gross $4,000 or more per month after
90 days. Operating expenses for one person operations grossing
this amount should be less than $1,000 per month.

Ideally, your plan should be to solicit new accounts, do the
work yourself and establish a regular customer route. Once you’ve
established such a service route, and you’re beginning to realize
a good profit, you should hire part-time help to do the work
while you solicit new accounts and establish more regular
customer routes.

You should concentrate on providing regular window washing
services for all the one and two story office buildings and
storefronts in your area. Start with those closest to your home
and expand your efforts outward. Choose a busy thoroughfares
leading into your city’s downtown area. Select the one closest to
your home and begin calling on business owners and store managers
all along the street into the downtown area.

Usually, you won’t have to do much more than introduce yourself,
briefly explain your services, and leave your business card. We
did this regularly on a once-a-week basis, and after 6 weeks, we
had enough business to keep one man busy–6hours a day, 5 days a

Until you become well established, don’t even bother soliciting
work on windows higher than the second story. However, it’s best
to call on every business, one after the other as you make your
way to the downtown area. Later on, you can call upon churches,
private schools, businesses located on side streets branching off
the main thoroughfares, and even homes if you’d like to try that
market. Generally though, you’ll find the residential market too
time-consuming to make your efforts really profitable, plus the
fact that you simply won’t be able to charge enough to make it
worthwhile in comparison to your commercial customers. Apartment
houses and condominiums are quite a different story however,
particularly when you can land several customers in the same

As mentioned earlier, you can headquarter in and operate
completely out of your home. You can store your cleaning
equipment and supplies in a corner of your garage. Your
bookkeping and other paperwork can be taken care of at the
kitchen table, with whatever office supplies your need, easily
stored in a dresser drawer.

Speaking of office supplies, you should have a supply of
business cards–and an adequate supply of billing statements with
your business name and address, plus mailing envelopes and return
reply envelopes. You can get away with rubber-stamping your
business name and address on your statements and envelopes, but
your business will grow faster–you’ll probably save time and
money as well–by going with printed supplies from the beginning.

There are nor “real reasons” not to list your home address as
your business address, but listing a post office box number–if
you prefer–wil not really harm your image. Te important thing is
personal contact–someone from your company regularly calling
upon prospective customers.

Talk with them. Listen to them. Get to know them. Find out
who’s currently doing their windows for them, if they have any
complaints and how you can offer them a better deal. When you’ve
actually investigated the service they’re contracted for, and
you’re certain you can offer them a better deal, put your ideas
into the form of a written proposal and give it to them. Don’t be
afraid to submit a proposal for a better deal, remember when you
do, your proposal should offer more than just a price break.
Under-cutting a competitor’s price usually means less profit for
you, and an overall deterioration of your reputation. It may
temporarily result in more work for you, but you’re in business
to attain wealth–not work yourself into an early grave.

If your spouse is home during the day, she can answer the phone
for you and generally set up appointments for you, while you’re
out making sales calls. She can also type out your monthly
statements, see that they’re sent out on time, and pretty much
handle your bookkeeping for you. Should it not be feasible, or
for some reason inconvenient for your wife to handle your
incoming calls for you, look around until you find a good,
dependable Telephone Answering Service. Many of these telephone
answering services handle typing jobs as well, so if you’re
lacking someone to handle these chores for you, chances are you
can find all the services you need without much of a search.

It’s important with this type of business that you have a
“live” voice answering your calls. selecting the right people to
handle your calls, and spending the extra time necessary to train
them according to your desires–even paying a little more to have
things done the way you want them done–is almost always well
worth the time and added expense. Remember, this is a service
business with your growth dependent upon the personal contact you
and your representatives have with prospective clients. Work on
it, develop it, and cultivate your personal contact transactions.

As the size of your company increases and you hire crews of
people to handle work assignments, you can usually get your
answering service to take on the added duties of job assignments
notification or dispatcher. All of this simply points up the
possibilities of operating your business out of your home
indefinitely, should you choose to do so.

If someone along the line you decide to set up an office in a
location other than your home, you might want to make an offer or
otherwise induce one or two of the people from your telephoning
answering service. Regardless of how large your work force
becomes, it’s always best if you supply the window washing
equipment and supplies.

Employees should be allowed to take the equipment home with
them, and required to use their own vehicles for transportation
to each job site. By all means, spend the extra money to supply
your workers with uniforms. Matching shirts and trousers with a
big patch on the back of the shirts, listing your company name
and phone number, is not only impressive in projecting image,
it’s also one of the cheapest and best advertising methods.

Once you’ve hire people to do the actual window washing for
you, get a couple of magnetic signs showing your company name and
telephone number. Be sure to “wear” these signs on your car as
you make your sales calls and spot check on the progress of your
work crews. Later on, you can get similar signs for your crew
chiefs. If you should opt for company-owned vehicles, you’ll find
vans to be the most convenient and serve your needs most
efficiently. Be sure to have your company name, phone number and
logo painted on each side of these vehicles–and allow your crew
chiefs to drive them home at night–all of which benefits you
with practically free advertising.

The kind of equipment you’ll need to professionally wash
windows is relatively simple…A12 or 18 inch window brush,
aluminum telescopic brush handle…6 inch, 10 inch and 18 inch
squeegees with replacement rubber blades…A couple of plastic or
galvanized water pails, one 2 gallon and the other 5 gallon…And
an 8-foot step ladder, plus maybe a 16 foot straight ladder…

Your start-up should include 5 gallons of liquid soap..a good
supply of clean rags, towels and chamois..And a sharp razor blade

This entire list of supplies and equipment should total no more
than $250 in cost. You’ll need to add to your equipment only as
your business grows and you have need to hire more personnel…

Some professional window washers are proclaiming an alternative
or “better method” than with the use of window brushes and
squeegees. They’re advocating the use of “strip washers.” These
are 3/4 inch pieces of aluminum pipe covered with a nylon sleeve
that fits the pipe. These are similar in appearance to the handy
do-it-yourself paint rollers, and are used in much the same
manner. These strip washers reportedly work very well on all but
the dirtiest of windows.

Another alternative is an extension pole and brush device.
Water is pumped thru the handle and out the brush in a
rinse-wash-rinse cycle. Most professionals claim this device is
ideal for second story windows, but for best quality workmanship,
they still prefer the basic brush and squeegee approach.

Still another alternative is a hose-water-fed brush that
utilizes de-ionized water where ladders aren’t feasible.
De-ionized water is a kind of water from which all minerals and
foreign elements have been removed. Using this kind of water
assures the window washer an easier and faster job with no
worries about streaking or water drops.

Your prices should range between $20 and $25 per hour. Pay for
hired help should start at $5 per hour. It’s important that you
do some homework on the various glass treatments in vogue these
days. Many of these coatings and coverings require special
treatment such as the use of soft towels instead of brushes that
might scratch the surface of the window coating.

The professional technique for washing windows cleanly and in
the least amount of time is as follows: A few drops of cleaning
solution in your bucket of water. remember, too many soap suds
are detrimental to quality work. Wet your brush from the bucket
and then scrub the window. Take your squeegee and make one wiping
pass across the top of the window. Be sure to keep the end of the
squeegee pressed firmly against the molding or top sill of the
window frame. Wipe the squeegee, and then do the same thing down
each side of the window. from this point on, it’s just a matter
of wiping the window clean with one continuous stroke. You do
this by arching and looping your wiping strokes across the window
pane, back and forth, never stopping or lifting the squeegee
blade from the glass. With this in method, you can wipe even the
largest window clean in just a matter of seconds. Practice at
home on your own windows and those of your neighbors. You’ll
quickly develop a knack for this method and wonder why you never
discovered it before.

When you’ve finished with the squeegee, take a chamois and
carefully “blot-wipe” any excess water that may have not have
been picked up along the sides and bottom of the window frame. In
reality, that’s all there is to it.

You’ll find the spring and summer months to be the busiest, but
because of the increasing popularity of painting holiday scenes
and special sale announcements on business windows, be alert for
year ’round opportunities along these lines as well. Keep
plugging away and offering your services to businesses throughout
your area, particularly along those busy thoroughfares where
moving traffic contributes to the build-up of dirt & grime on

When you’re ready to hire helpers or people to do the work for
you, a simple ad in your local newspaper’s “help Wanted” column
should bring you more applicants than you’ll ever use. After
you’ve hired the one or the ones you want, keep a record of the
ones you liked but didn’t hire, and check with them when you want
to add onto your crew of workers again.

Bulletin Board notices will also bring in a surprising number
of applicants. Another good idea is to spread the word that
you’re looking for part-time help, amongst your local firemen,
policemen and teachers. depending on your area’s pay scale, you
can do pretty well by contacting the temporary help services in
your area.

About the only regular advertising you’ll need to do is a
medium to large display ad in the yellow pages. This is a must
because once you’re established you’ll find at least

50% of your business coming from having seen your ad in the
yellow pages. An “insider’s” trick to advertising in the yellow
pages–Try to name your business with the very first letter of
your business name beginning with A-B-C, or X-Y-Z. Statistics and
surveys tend to prove that when people look for a service in the
yellow pages, they invariably pick from either the top or bottom
of the alphabet.

Aside from the yellow pages, your next best advertising will be
the “reminder” kind, such as note pads with your company name
imprinted on them, special calendars or holders, special date or
appointment books, and/or sports caps with your company
name/emblem on them. However, as this kind of advertising is
quite expensive, it’s good to keep in mind, but best to hold off
until you can well afford it.

Any radio, television, newspaper and/or direct mail advertising
efforts will cost you much more than any business you receive
from it, so don’t even consider this type of advertising.
However, do think about, and submit “press release” material to
these media as often as you can, because any publicity coverage
they give will surely be well worthwhile.

Telephone soliciting for business works well, but you should
have a list of businesses and their telephone numbers, plotted
out according to new routes you’re trying to build. Time spent
travelling between jobs will cost you money, just as time spent
looking up telephone numbers along a certain planned route will
seemingly take forever. If and when you decide to drum up new
business by phone, you’ll have much greater success if you can
offer some sort of promotional gimmick to get them to try your

We had great success one time by offering to do windows for
free if they’d let us put a sign in the window–These windows
cleaned by AAA Window Cleaning Service–666-5824… Another time,
we did the windows for half price as an introductory offer..And
still another time, we joined with our telephone answering
service–on a combined promotion…half price on three months of
telephone answering service just for trying our window washing
service…The ideas, gimmicks and promotions you can use are
limited only by your imagination…

Later on, we hired some good-looking college girls–on a
commission basis–to call on businesses along the new routes we
are trying to develop. They just introduced themselves as
representatives of our firm, explained our services and offered a
half priced introductory service. They ended up selling better
than 60% of the business they called upon.

During one summer, we even tried a crew of these young ladies
as window washers–they weren’t the best…We dresses them in
snappy red & white suspender-type short-shorts and drew quite a
crowd on each job. It was good advertising for us–we got free
newspaper and television coverage, and an untold number of new
business leads–but the glamour of the whole thing grew old very
quickly. But it was a gimmick that brought in new business,
caused a lot of people to recognize that we were in the window
cleaning business, and made our selling job easier.

Truly, this is an easy business to start…and with just a bit
of imagination on your part, as well as persistence and quality
workmanship, you can easily become financially secure as you
want…And it takes is action on your part, so reach for it and
may you always enjoy the fruits of a bountiful success!



Start a Catering Service


Start a Catering Service
Start a Catering Service

People with money seem to be on a binge to prove their status and flaunt their wealth by staging large, catered parties. As a matter of fact, in some circle of affluency, a party or social get-together isn’t considered an event of any significance unless it’s a catered affair.

With the same kind of reasoning, businesses of all sizes are using catered lunches, cocktail parties and dinner meetings to build their images and increase company sales. It’s a matter of keeping up with the competition in promoting a company and/or product.

On a smaller, but just as busy marketing scale, more and more working mothers are paying to have catered birthday and graduation parties, as well as wedding receptions handled by caterers. The reasons are simple to understand–if she’s working
outside the home, today’s mother just doesn’t have the time or the energy to do all the planning and staging of a memorable party.

Besides those reasons for turning everything over to a caterer, working mothers feel a little guilty about the time away from their children they lose because of their jobs. Thus, they’re ready and willing to make it all to them by paying for a lavish party the child will remember for years to come.

Caterers handle everything from birthday parties for children, to breakfast in bed and intimate candlelight dinners for two, to company dinner parties for 50 and wedding receptions involving a thousand or more guests. This kind of entreprenuerial business is
definitely growing and becoming more popular with people of all income levels.

An imaginative caterer in a large metropolitan area can easily gross $150,000 per year, while a small part-time caterer in a small town can count on at least $10,000 to $15,000 per year. One small, but very ambitious caterer is reported to have grossed
$250,000 after only 2-years in the business!

You don’t need special education or training to become a successful caterer. You do need a affinity for people and a kind of intuition as to what people enjoy in different  environmental

A quick survey of successful caterers across the nation shows
that began with zero capital by working out of their homes. The
basic starting up investment would appear to be around $500, with
some big spenders capitalizing their idea with as much as $15,000
in order to get off to a fast start.

This seems to be an ideal business for an ambitious couple to
start and operate with very little capital investment required.
One person can spend his time hustling up business while the
other would do the planning, organizing and actual catering.

As with any business, your success will be directly related to
the soundness of planning and the working of that plan.
Understand exactly what your client wants, and give him what he
wants in the way of service that reflects upon the client in a
complimentary manner.

Basically, you can start with an advertisement in your local
newspapers. This advertisement need not be much more than a
simple announcement: Creative Catering-Specializing in personal
service- We can handle any party or special event from start to
finish-no idea to small or too large- Your satisfaction is always
guaranteed! We can handle everything for you.. Call us, and let
us make your parties worth remembering…

Naturally, the first thing you want from anyone calling to ask
about your services, is that anyone calling to ask about your
services, is that person’s name, address and phone number. Then
you want to know what kind of party or event they have in mind.
As soon as you have this information, relax a little bit and
inquire to find out about the person or the company–the
people–sponsoring the party and their ultimate goals or reasons
for the party.

If it’s to celebrate birthday, graduation, anniversary or a
wedding reception–finding out about the interests, background
and ambitious of the guest of honor will be of value to you in
your planning. Taking a few minutes to learn everything you can
about whoever the party is for, and the people giving the party,
will also make it much easire to close the sale than any sales
pitch or special persuasive tactics.

People like to talk about themselves, and they especially like to
tell everyone why they’re honoring someone, even when they
pretend to keep it a secret who initiated the idea. So, it’s
important that you be a good listener, that you have the ability
to get people to talk about themselves, and that you take notes
on the things they tell you.

This same principle applies to business people, regardless of
who’s talking to you or the purpose of the catered affair. The
more polished and adept you can become in getting your prospects
to talk about themselves, the more information relative to their
background you can elicit, and the more you listen; the better
your parties will be, and the greater success you’ll attain in
the catering business.

You take the information you glean from this first interview and
plan/organize the event on paper. This means you’re going to have
to have contacts or at least working relationships with
innumerable service businesses.

If your client wants to stage a birthday party for a 12-year
old—he or she greets the guests as they arrive, makes sure
everybody knows who he is—then what about party favors—a soft
drink and a conversation leader until all the guests arrive–the
opening of presents–icecream and cake–and games to play, a
thank you gift for coming, and a reason to end the party at a
pre-determined time…

Do you greet the guests, does the mother or father, or the little
boy or girl? Where do you come up with the party favors at less
than regular retail prices? Where are you going to get the soft
drinks-your cost and the glasses or paper cups to serve them in?
What about ice? What kind of games to play? Who’ll be the
conservation leader? Will there be a clown or someone special to
keep everything moving according to plan? Where do you get the
ice cream and cake? What games to play? How to get everyone
involved? And finally, a feasible and polite reason for ending
the party and sending everyone home…

All this takes planning, organization, and if you’re going to
make a profit, a definite awareness of cost control. Get it all
down on paper as a proposal to the people who want to pay you to
carry it off. Figure out your costs, the time involved in putting
it all together, and then get back to your prospect.

Always leave room for changes in your proposal. In fact, expect
them–invite input and suggestions from the client–and always
have an alternate idea in your mind for each of those on your
written proposals. Discuss your proposal with the client just as
you would a script for a television show, make the suggested
changes and ask for a 50-percent advance deposit. From there,
it’s just a matter of following your plan.

Regardless of size or type of party–whether your client is a
working mother or a giant corporation–the format is always the
same: initial inquiry, interview, your proposal, 2nd interview
for any changes, agreement, deposit, staging the party itself,
and your final payment. As mentioned earlier, success in this
business comes from your planning–having a lot of contacts–and
working your plan.

An important word of caution: Try not to get “boxed in” to
setting or even revealing a tentative price until you’ve had a
chance to listen to what the prospect wants, to study your own
capabilities, and to make a formal written proposal. If a
customer wants to know how much you charge–and if you feel it
necessary in order to eventually close the sale–you can tell him
50 to 100 dollars per hour, plus expenses, and of course,
depending on the type of event the customer wants.

As for how much the average party costs, again tell him that it
varies anywhere from 50 to 5,000 dollars.

Always keep in mind that you are a professional, and that if the
ordinary person had your knowledge, contacts and ambition to do
it himself, he wouldn’t be calling you on the phone. He needs
your help for any number of reasons. You specialize in this kind
of work or service just as a doctor specializes in medicine and a
lawyer in legal matters. Therefore, you should, and do expect to
be paid accordingly.

Something else–this business thrives on word-of-mouth
advertising–referrals–and thus, is direct “freeway’ to the kind
of customers where money is of no concern. However, on order to
gain access to this market, your business emphasis has to be on

This means the capability of handling everything for the
customer, from having the invitations printed and sent out to
cleaning up after the last guest has left. Businesses and people
in the upper income brackets, like to pick up the phone–tell
someone they want a party on a certain date–and then forget
about it, knowing everything will be taken care of without
further worry or time involvement from them. Once you’ve
developed your expertise and clientele to this level, you’ll have
a business in the $200,000 to $250,00 per year range.

Definitely arrange for a display ad in the yellow pages of your
telephone directory. You’ll probably get 40% of your inquires
from this source alone. Generally speaking, radio and/or
television advertising will be too expensive when compared with
the immediate results. However, it is recommended that you
consider these media prior to special holidays.

Working with restaurants, supper clubs, bridal shops and
entertainment business in general. can bring in hundreds of
referrals for you. Rubbing shoulders with, and circulating as a
part of your area’s civic and service clubs, should also result
in more business for you.

Keep your eyes and ears on the alert. Where ever you go, and with
whomever you associate, always be ready to promote and sell your
services, if not on the spot, at least make a note to follow up
when conditions are more in your favor. Promoting and selling
your services will require at least half your time, and that’s
why two people operating catering services are so successful from
the start.

The actual selling is quite simple so long as you emphasize the
service and time-saving aspects. The more time-consuming work you
can handle for the client, the easier it’s going to be for you to
close the sale.

Handing out business cards is one of the least expensive ways to
advertise, promote and sell your services. One enterprising
caterer makes arrangements with the sponsors of all his parties,
to see that each of the guests gets one of his business cards.

Another gives each of his clients a stack of his business cards,
and tells them he’ll pay them $25 for each prospect they refer to
him. He tells them to write their name on the backs of the cards,
and to hand them out to their friends. And then, whenever a
person tells him that John or Jane suggested he call, and he
presents the card with John or Jane’s name on the back, this very
successful caterer sends John or Jane a $25 check.

Another very successful caterer pays commissions to a group of
housewives and college students who solicit–via their home
phones–interviews for him with brides-to-be. They get their
leads from announcements, and pictures of brides-to-be in the
local papers.

Many caterers pay sales people a commission for letting them know
when they hear about a party or special event being planned by
one of their business customers.

The possibilities go on and on, and are seemingly un limited.
Time is becoming more valuable to a lot more people every day,
which means there are more and more opportunities for great
wealth and personal independence as a professional caterer. In
reality the success for just about any person entering this
field, will be limited only by his or her own imagination and

There is definite opportunity for great wealth within the
catering field. Anyone with a sense of service to others can
succeed. Very little “readycash” is needed to begin. Therefore,
the only thing standing between you and the realization of your
dreams, is the action it takes on your part to get started…


Thanksgiving Memories

Thanksgiving Memories
by Bonnie P Carrier

Thanksgiving Memories
Thanksgiving Memories

Turkey … Stuffing … Cranberry Sauce … Pumpkin Pie
This is usually what comes to mind when we think of Thanksgiving. Granted the food is yummy and worth waiting for however, let’s not forget another import aspect of this holiday “Being With Family & Friends”.
Family & Friends, they are what make this wonderful holiday so special, and help create those special memories.
Memories …. Everyone has them and each is precious. I love being with my husband and two beautiful daughters, but I think my favorite remembrances are from long ago.
“Nana’s House”
This of course was my beloved grandmother, who has been gone from us for many years, but will always be remembered with so much love.
Thanksgiving at her home was the best.
Our family is not very big but with the sisters, husbands and cousins it seemed like an army. My sister and I looked forward to spending the day with our cousins; we always had so much fun.
Of course the very best part of the day was when nana declared “Time To Eat”. The first order of business was getting seated at the “kids” table. Nothing special, just a couple of card tables put together with a paper tablecloth -we were a bit messy – put over them.
Then came the food, makes my mouth water now just thinking about it. Please forgive me if I tend to sound just a bit prejudice – everyone’s grandmother is a great cook after all – but in my mind no one could cook like my “Nana”.
The amount of food was horrendous, as I said there where not that many of us but you’d think the entire town was there by the number of dishes on the table.
Everyone had their favorites, mine was the turkey & stuffing – I always had a drumstick, and my little sis was a wing girl – although everything else was good, except maybe the veggies.
After the main course came dessert – yummy – which consisted of the usual pumpkin pie, apple pie and rhubarb – that was for my mom – plus one of nana’s specialties “Apple Dumplings”. These were hot from the oven with a lemon sauce poured over the top. No one has been able to duplicate the recipe, although one of my cousins – you know who you are – has given it a valiant try.
Now you may think this was the end of our eating for the day, wrong. After dinner was complete, while the grownups were cleaning up and then taking a rest – just their bodies, the talking was non-stop – we kids – weather permitting – were outside playing. A few hours later – not kidding – it was time for the famous turkey sandwiches and any other left over you might have a hankering for.
Of course as they say “All Good Things Must Come To An End”, which meant it was time to leave.
After what seemed like an eternity of good-byes we piled into our cars and headed for home. Little sis & I always fell asleep on the way, thinking about our wonderful day, and dreaming about next year.
Today our family is scattered across the country and sadly we are missing some – although not in our hearts – but when possible we still get together.
But on those November 27th’s when we’re not able to we still keep our “Nana’s” spirit alive with lots of great food, a tremendous amount of talking, and good fun.
So to all of you, no matter what your traditions maybe, enjoy the day, the food, but most of all your loved ones.



Small Business Survival

Small Business Survival

Small Business Survival
Small Business Survival

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” 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” yourself 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 stock 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 the 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 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 od 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 hesitant, or too much of a “nice guy” when it comes to collecting money. Small Business Survival.

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 increase 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 your 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, checklist 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 services 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.


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Profitable Home-based Business

Profitable Home-based Business

Profitable Home-based Business
Profitable Home-based Business

In these days, it’s becoming increasingly difficult to make ends
meet with just one source of income. Thus, more and more people
are investigating the possibilities of starting their own
extra-income business. Most of these part-time endeavors are
started and operated from the comfort and privacy of the home.

Most of these people are making the extra money they need. Some
have wisely and carefully built these extra income efforts into
full-time, very profitable businesses. Others are just keeping
busy, having fun, and enjoying life as never before. The
important thing is that they are doing something other than
waiting for the government to give them a handout; they are
improving their lot in life, and you can do it, too!

The fields of mail order selling, multi-level marketing, and
in-home party sales have never been more popular. If any of
these kinds of extra income producing ideas appeal to you, then
you owe it to yourself to check them out. But these aren’t the
only fields of endeavor you can start and operate from home,
with little or no investment, and learn as you go.

If you type, you can start a home-based typing service; if you
have a truck or have access to a trailer, you can start a
clean-up/hauling service. Simply collecting old newspapers from
your neighbors can get you started in the paper recycling
business. More than a few enterprising housewifes have found
success and fortune by starting home and/or apartment cleaning
services. If you have a yard full of flowers, you can make good
extra money by supplying fresh cut flowers to restaurants and
offices in your area on a regular basis. You might turn a
ceramics hobby into a lucrative personalized coffee mug
business. What I’m saying is that in reality, there’s literally
no end to the ways you can start and operate a profitable extra
income business from your home.

The first thing you must do, however, is some basic market
research. Find out for yourself, first-hand, just how many
people there are in your area who are interested in your
proposed product or service, and would be “willing to stand in
line and pay money for it”. This is known as defining your
market and pinpointing your customers. If after checking
around, talking about your idea with a whole lot of people over
a period of one to three months, you get the idea that these
people would be paying customers, your next effort should be
directed toward the “detailing” of your business plan. The more
precise and detailed your plan – covering all the bases relating
to how you’ll do everything that needs to be done – the easier
it’s going to be for you to attain success. Such a plan should
show you start-up investment needs, your advertising plan, your
production costs and procedure, your sales program, and how your
time will be allocated. Too often, enthusiastic and ambitious
entrepreneur jump in on an extra income project and suddenly
find that the costs are beyond their abilities, and the time
requirements more than they can meet. It pays to lay it all out
on paper before you get involved, and the clearer you can “see”
everything before you start, the better your chances for success.

Now, assuming you’ve got your market targeted, you know who your
customers are going to be and how you’re going to reach them
with your product or service. And you have all your costs as
well as time requirements itemized. The next step is to set
your plan in motion and start making money.

Here is the most important “secret” of all, relating to starting
and building a profitable home-based business, so read very
carefully. Regardless of what kind of business you start, you
must have the capital and the available time to sustain your
business through the first six months of operation.
Specifically, you must not count on receiving or spending any
money coming in from your business on yourself or for your bills
during those first six months. All the income from your
business during those first six months should be reinvested in
your business in order for it to grow and reach your planned
first year potential.

Once you’ve passed that first six months milestone, you can set
up a small monthly salary for yourself, and begin enjoying the
fruits of your labor. But the first six months of operation for
any business are critical, so do not plan to use any of the
money you business generates for yourself during that period.

If you’ve got your business plan properly organized, and have
implemented the plan, you should at the end of your first year
be able to begin thinking about hiring other people to alleviate
some of your workload. Remember this: Starting a successful
business is not a means towards either a job for yourself or a
way to keep busy. It should be regarded as the beginning of an
enterprise that will grow and prosper, with you as the top dog.
Eventually, you’ll have other people doing all the work for you,
even running the entire operation, while you vacation in the
Bahamas or Hawaii and collect or receive regular income from
your initial efforts.

For more details on market research, business planning,
advertising, selling, order fulfillment, and other aspects of
home-based businesses, check with the distributor from whom you
received this report.

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Minnesota Tax Attorney

Minnesota Tax Attorney: Put an End to Your Tax Nightmare


No case is doomed to failure. However, you also need to do something to save yourself from doom. You have to take the necessary moves to preclude tax penalties and debts from quickly piling up and strangle your finances. Simply, you have to end your tax nightmare and get on with your life. Tough questions must be answered and tax burdens must be given timely solution. Dealing with tax problems is nerve-racking. Battling them alone is so tough. However, doing nothing is dangerous. In addition, the mounting costs and penalties are difficult to bear.

Once and for all, you have to settle you tax problems. Take the initial step and consult a professional tax attorney. If you are in Minnesota, an ideal Minnesota tax attorney might be just a few blocks away. Or perhaps, he is just one call away.

A professional tax attorney will tell you not to fear the Internal Revenue Service (IRS). Said attorney will have a talk with the IRS about your tax problems. He is expected to know IRS’ rules so as to get the best remedy for your tax trouble.

Taxation in the United States covers payment of tax liabilities to at least 3 varying levels of government – local government, state government, and federal government. Local government is getting property taxes and fees. Sometimes, it is also financed by income tax. Consequently, the state government is financed by the combination of sales and income taxes. Finally, the federal government is financed mainly by income tax.

Taxation is an inherent power of the government. It is treated as its lifeblood because it is the main source of the state’s revenue. The revenue flows and maintains the life of the state. This is reflected in government programs, infrastructures, and the like.

Without taxes, it is hard for the government to survive. In addition, the imposition of taxes is aimed at supporting government’s operations and functions. Taxes are also used to influence the performance of economy, redistribute resources among citizens, and to modify employment and consumption patterns within an economy.

There are several types of taxes. The first type is income tax, which is a progressive tax. To make reliable collection, the government allowed direct withholding. Another type of tax is the capital gains tax, which is the tax imposed on the profit from the sale of an asset.

Corporation tax is the company’s tax on the profits. Poll tax, also known as the capitation tax, is the tax levied on a set amount per person. Excise tax, on one hand, is an ad valorem tax based on the declared value or purchase price of an item.

Another type is the sales tax, which is levied on a particular sale of a commodity. The final consumer is liable to pay said tax. Tariffs are tax on the importation and exportation of goods through a political border. Value added tax (VAT) or the goods and services tax is the equal of sales tax. However, the former reduces market distortion. Property taxes are based on the value of the involved property. This is usually imposed on real estates.

Stamp duty is the charge for the stamp needed in a particular document. Inheritance tax, on the other hand, the tax imposed on the transfer of property by virtue of one’s death.

Your hired tax attorney must know these taxes as well as the taxation system of the state for you to take advantage of the best legal remedy available to you. Choose nothing but the best.


Arizona Tax Attorney

The FAQs for the Arizona Tax Attorney

Arizona Tax Attorney
Arizona Tax Attorney

arizona2The Arizona tax attorneys are always available to answer the queries of the taxpayers who are bugged with the disputes over their annual taxes. Here are among the common questions posed by the taxpayers as they get the chance to confer with the Arizona tax attorneys.

What is common the things to happen in the event of an unfiled tax return?

Unfiled tax returns only signify one thing—and that is being in real trouble with the Internal Revenue Service. If for example you owe IRS some taxes for about ten years, then they will compute it all. They will try their level best to reach you through your old address. If in this event you have moved out of the country and once you come back, IRS will go after you demanding your dues for your taxes in the entire year of your absence.

When such case arises, you know one thing for sure. You know that you can be condemned for tax evasion. This is a crime which is punishable by the law. IRS will be very religious in sending you reminders. At one point, these reminders will become unfriendly and you will just be shocked to receive a Notice of Intent to Levy all your wages and assets.

Does it mean trouble for the unfiled tax returns that date way back?

It is in fact very much complicated if your unfiled tax returns trace to at least six years backwards. It is so because the files are kept in storage and it will need enough concerted effort to locate those records. An agent will need to browse through all of the kept files to be able to gather them all. You can just imagine how difficult it could be if your unfiled tax returns date back to some more years back in time.

What is meant by wage garnishment?

With the term wage garnishment, it means that a levy is imposed in another method. This method is concerned with the manner of collecting the back taxes which a taxpayer owes the IRS. With regards to the IRS attacks, the words levy and garnishment mean the same thing. The typical targets of the garnishment are your bank accounts and wages but the rule may also apply to the seizure of your furniture, equipment, your home, your vehicles, and your other valued possessions.

Is any bank permitted to turn over an account to IRS without the concerned party’s consent?

When IRS imposes a levy on your account in the bank, your bank is legally bound to turn over whatever amount is in your existing account. It does not regard the fact as to whether it is your own money or not or where you got your money. Keeping those monies in your own account is enough justification. Most people keep direct deposits for the Social Security, pensions, child support, and many others but then the IRS does not consume time to locate the source of the money. At the time when the money gets deposited in an account which is under your name, it automatically loses its own identity.

When will these levies on the bank account be stopped?

In comparison with the wage garnishment, a levy in your bank account will only happen once. Meaning, the next batch of money that gets deposited in your account will solely be yours again.


Alabama Attorney Tax

Alabama Attorney Tax

alabamaJust the mention of the word tax would send an eerie feeling to many individuals. However, every person must accept the fact that paying tax burdens is part of the duty as a citizen of a state. You are left with no choice but to pay tax liabilities. If you don’t, you are to suffer tax penalties, fines, or even imprisonment. Moreover, it is better to comply with your duties on time to preclude you from further troubles with the government.Before a taxpayer can pay his taxes, he must first prepare his tax return. Tax return preparation is one ordinary thing to individuals earning income. This is because all income earners are duty-bound to pay taxes to the government. Taxes are paid annually. Hence, before the scheduled time for the collection of tax contributions, the taxpayer must already be ready.

Tax return is the official document given to taxpayers for them to list their tax contributions for a certain period. It is necessary that this document be prepared and submitted early in time so as to avoid penalties.

Preparing a tax return can be done personally by the taxpayer. This is if he is keen in doing the task on his own. However, if you want an easier way, there are currently advanced software that are especially designed to prepare tax returns. Taxpayers can use said software to help them compute tax contributions. This software can be had online. You just have to download and install it in the computer after that you will be able to use it to ease the burden of tax return preparation.

If you do not want the software, you can hire the services of expert tax return calculation personnel. You just have to be certain that the person you hire is the best that you can have. Better yet, hire the services of a tax attorney.

A tax attorney guides a client to avoid future tax problems. He also defends clients in cases of criminal and civil suits regarding tax troubles. When a taxpayer has trouble with the state department of revenue or Internal Revenue Service, he may opt to remedy it himself or hire the services of a tax attorney. However, the taxpayer can be better served by a tax attorney.

Tax attorneys specialize in solving tax problems with the IRS. They are experts in taxation issues and relief. Nonetheless, they are considered a great help in advising their clients on how to lessen their tax liabilities. They also can also give valuable advice on what exemptions are available to them. They can also give the demarcation line between legal and illegal ways of reducing or avoiding taxes.

One important thing in hiring the services of lawyers is that they must be equipped with knowledge and expertise about the subject matter. Alabama tax attorney, for instance, is an expert in terms of Alabama taxation laws. If you are a resident of Alabama, it is better to hire the services of a good Alabama attorney to assist and defend you.

Knowledge and expertise are boosted by the fact that the tax attorney is also a resident of your state. Hence, it can be presumed that he is updated with the laws and customs of the land than other lawyers.

Bear in mind that tax return preparation is an important process in taxation. One mistake can invite criminal actions and penalties. Moreover, it is better to consult a trusted tax attorney in your territory. A good tax attorney is considered a taxpayer’s wise investment.

Alabama Attorney Tax. In Tax Return Preparation, Alabama Tax Attorney is a Wise Investment



Average Credit Score

High or Low: Keeping Track with National Average Credit Score 

Credit-Card-Cartoon-2Credit is said to be a system of buying and selling without immediate payment or security. Credit may be in the form of credit cards or loans.

Any individual who desires to process a credit card or loan application will have to abide by the rules and regulations set forth by the lender. An important factor for any credit application to be approved is your credit score.

A credit score is the determinant factor of lending institutions whether or not you will be granted credit. Your existing credit status as well as your past credit standing makes up for a credit score.

National Average Credit Score. Every nation has a standard credit score to follow to determine the country’s financial condition. The United States has a national average credit score somewhere from 580 to 650. You will most likely be granted with credit requests if you have a high credit score.

Since the credit score is highly significant for you to obtain credits as well as balance the national average credit score, there are things you must do.

Seek help from experts.

Do not be overwhelmed by low interests or other attractive credit offers by lending institutions. It is best to consult an expert before you close an agreement with a positive notion.

Financial consultants will help you properly handle your finances. He is responsible in showing you the status of your finances. He may also be your source of assistance on matters about getting credits. He will most likely advise you on the pros and cons of getting credits and the many requirements lending institutions need before they come up with a decision.

Do not let your due date slip.

When you pay your bills on time or before its due date, you are establishing good credit standing. Another advantage when you are paying ahead of time is that you are also making your balances low.

Late payments of bill will not only give lending institutions bad impressions of you but it can also be unfavorable to maintaining a high credit score. To avoid late payments, it is best to keep track of due dates. Prompt yourself that it is “pay time,” a week before your credit’s due date.

Keep your interest low.

Credit interests establish how good or bad your credit score is as well as the national average credit score. With low credit interests you are likely to maintain good credit standing.

It is recommended that you take on a survey among lending institutions on the credit interest they give. Upon doing your survey, choose which ones can give you low interest yet will still offer you good-quality of service.


To undergo consolidation is usually common to individuals who experience trouble paying off unpaid debts to their lenders. Consolidation is recommended for such people to unburden them of too much paying pressure.

Evaluate and re-evaluate.

Be your own accountant. Do not let financial problems pile up, instead of waiting for credit reports to be mailed at the foot of your door, make your own. By doing so, you are updated concerning your credit reports.

Self-evaluation of your credit report will help you gauge how much credit scores you still have. Nowadays if you wish to have free consultations regarding your credit reports, you can always go online and find one.

Keeping yourself on the right credit score track will not only help you maintain a good credit standing, it will also help your nation maintain a good average credit score. Having so will stabilize the economy.



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