Mis 6

A SHORT MEMORY COURSE! HOW TO REMEMBER NAMES You just called the TV repair shop and the voice on the other end of the line tells you "this is Don Smith". About 5 minutes later you tell your wife that "this guy" will be out to fix the TV in the morning. You can't think of his name although you know he mentioned it on the phone. This happens all the time to just about any of us unless we have learned to concentrate and implant the name in our memory right at the time we hear it. To do this you first must make a habit of repeating the name back to the person. This action will remind you to store the name in your "Memory banks" each time you hear someone's name, and, within a matter of a short time the "repeating" process can be discontinued. When you meet someone in person use the same procedure, and in addition, visualize something different, unusual from the ordinary, or "ridiculous" about their appearance, position, or actions that "ties in" with their name. You may have to put the descriptive information on one side of a card or piece of paper and the name on the other side for a while until it is imbedded in your memory permanently. Look at it repeatedly, see the "picture" in your mind's eye as you look at the name, or when you see the name visualize the "picture" you have assigned to the name. Getting this system to work will require certain changes in your thinking and it may take several days or several weeks to become proficient. After all, you have developed a "bad Habit" over a period of many years and it is difficult to turn it around overnight. This method also works with anything else work remembering, not just names. When you have occasion to remember something, jot it down and incorporate it into your list . . . No complicated formula . . . Just a system that works with a little concentration. HOW TO REMEMBER ANYTHING! As mentioned above a person may train their memory by associating names with specific illustrations. This works just as well with written information. There are several key words or a key thought in each paragraph of printed matter that can be associated with an illogical or ridiculous illustration. It is much easier to remember and recall ridiculous associations than it is to recall normal and uneventful relationships. As you proceed through any text choose one or several Key words or key thoughts from each subject and relate the same to a ridiculous cartoon or illustration. Actually "see" it in your minds eye as it relates to the key word or key thought. When you have occasion to remember a particular matter, the "picture" should automatically appear to you and the entire thought should be recalled. Be sure to SEE the ridiculous picture associated with the printed matter you wish to recall. As you proceed through a book, practice seeing a picture and relate it to the key words or the main thought of the written material. This method of learning should improve your ability to retain what you read. With sufficient "practice" using this method, many individuals will be able to develop a "photo-Type" memory. The Key to this memory system is to "see" the "picture" in your "mind's eye". After you have practiced and mastered the system and are able to get instant flashback recall you should be able to read most any text material and visualize ridiculous pictures to associate with the thoughts expressed in the printed materials. We suggest you prove this system to yourself. As you read the first several pages of information, "see" a picture related to the words or thought. It may be rather difficult to "see" at first but by constant effort and concentration amazing progress can be made. When you have seen the picture, just go on reading the following subject matter and repeat the process. Don't be concerned that you will forget the prior subjects! They should remain imprinted on your mind and recalled later, instantaneously and clearly. After you have read several pages, recall the first few "mind-pictures". If you originally "saw" the picture as related to the key thought of the printed material, you should remember the basic information. Try it! It's interesting! After you have mastered this learning system, it should be easy to file various programs away in your memory and recall them as needed to progress in your search for success. MEMORY AND PUBLIC SPEAKING TIPS! The same system mentioned on the previous page may be used to memorize a speech by linking a series of thoughts to a series of ridiculous pictures in sequence. Proper preparation of your speech is half the battle. Know you subject thoroughly then make an outline for the introduction, main body and conclusion. Start your speech with something to startle your audience into complete attention such as a weird statement or funny happening. In presenting the main body of your speech get the confidence of your audience by letting them know you know your subject very well. Get your points across without argument. In making your conclusion you can briefly sum up what you have just stated then end with a big bang; recommending action your audience should take or suggesting they change their viewpoint on the subject etc.; finalize with a joke that fits the circumstances, or powerful word pictures they will remember after they leave the meeting. Make your outline in large print with plenty of space between lines so you will be able to look up without losing your place on the sheets. Rely on your memory for the most important points, including the opening and closing lines. Practice your speech with a tape recorder and in front of a mirror before the meeting. Work out any apparent speaking problems or things that don't sound just right. Know what you are going to do with your hands and determine the better body movements to go with your personality. Continually make eye contact back and forth across the room. Take time to think before answering questions. If you don't have the answer, ask another question, refer it to someone else better qualified to answer, answer in general terms, or change the subject (like politicians do) complimenting the person asking the "impossible" question, or by telling a "clean" joke.

3837

21 STEPS TO HOME BUSINESS SUCCESS Fifty million home-based businesses will be in operation by 1997, according to Link Resource's National Work-at Home Survey. All around the country, people who want more control over their lives are starting home businesses In New Orleans, Rick Hart's home based cajun Cargo ships seafood nation wide. In Palatine, Illinois, Stephaine Heavey works from home designing and selling original patterns for fabric dolls. And in Dallas, Lisa McElya published the Dallas Party & Event Planners Guidebook from the entire first floor of her two-story home. These three people are living the new American dream of owning a business, but avoiding the high overhead and start-up costs of a commercial location. If the idea of working from home is appealing, but you don't know where to begin, here is a step-by-step guide. STEP #1 DECIDE WHAT PART OF THE HOUSE TO USE Select an area away from family activity. The perfect space is a separate room (or perhaps the garage), but any area will do, if it can hold all the business supplies and equipment, and also provide enough work space for desks, tables, or counters. STEP #2 DETERMINE HOW MUCH TIME YOU CAN SPEND ON THE BUSINESS Many people start a home business on a part-time basis while raising children or working outside the home. Others start full-time when family and finances allow. However you begin, figure out how may hours per week you can devote to the business Make a weekly chart of your activities, examine it, and determine where the business fits. Don't assume you have time and find out later you don't. STEP #3 DECIDE ON THE TYPE OF BUSINESS Make a list of things you like to do, your work and volunteer experience, and items you own that can be used in a business. Look over this line-up, and using ideas from it, list possible businesses to start. Eliminate any business that isn't appealing or doesn't fill a need people have. For ideas on different types of businesses, consult the end of this article. Other ideas can be found in the source material listed at the end of this article. STEP #4 CHOOSE A LEGAL FORM The three basic legal forms are sole proprietorship, partnership, and corporation. The most common is the sole proprietorship. As its name implies, a sole proprietorship is owned by one individual. It is the oldest form of business, the easiest to start, and the least complicated to dissolve. Here are some of the advantages of this business form: 1. You own all the profits 2. Your business is easy and cheap to organize. You don't need any government approval, although you may be required to carry a city, state or county license. Your only other obligation is to notify the Internal revenue Service (IRS) for the purposes of sales tax. 3. You're the boss 4. You enjoy certain tax savings. You must pay regular individual taxes on your income, property, and payroll, but these are not levied as special taxes, as with a corporation. You will also have to pay sales tax which you have received from your customers. 5. Greater personal incentive and satisfaction. Since you have your investment to lose if your business is not successful, you should be more willing to put time, thought, and energy into the business. And when your business is successful, you enjoy maximum sense of accomplishment since you know its success was dependent upon your decisions about your management ability alone. For more information about this and other forms of business, send for the U. S. Small Business Administration (SBA) Publication MP25. Selecting the Legal Structure for Your BUsiness (50 cents). It outlines the advantages and disadvantages of each legal type of structure. If after reading it you are still uncertain what form of the business should take, consult an attorney. STEP #5 DETERMINE WHERE THE MONEY WILL COME FROM There are three ways to finance start-up costs: use your own money, obtain a loan, or find investors. If possible, it is better to start small, use your savings, and not worry about repaying a debt. also keep in mind that since you are a home-based, chances of qualifying for a loan or finding investors are slim until the success of your idea is proven. STEP #6 GATHER INFORMATION Spend a few weeks researching home-based businesses. A library or bookstore can provide numerous books on business basics, and on the specific type of business that interest you. Homemade Money by Barbara Brabee (see sources) is an excellent book to start with. If you are considering a computer business, get in touch with the association of Electronics; Cottagers, P. O. Box 1738, Davis, CA 95617-1738. To keep informed of what is happening in home business world, contact National Home Business report, P. O. Box 2137, Naperville, IL 60566, for subscription information; and Mothers Home Business Network, P. O. Box 423, East Meadow, NY 11554 (send SASE for free information). STEP #7 CHECK ON ZONING RESTRICTIONS Find out how your property is zoned, the call City Hall and ask what regulations apply to home businesses in that zone. Also, if you rent or live in a condominium, check the lease or homeowner's association rules to be certain a home business is allowed. Generally, if you do not annoy your neighbors with excess noise, odors, and traffic, you will not be deterred from running a business at home. The neighbors may not even be aware of the business, but it is necessary to know exactly what you can and can't do before you start. This is important should any problems or questions arise later. STEP #8 PICK A BUSINESS NAME AND REGISTER IT If the business you choose is different form your name, file an assumed (or fictitious) name certificate with the county. You are notified if another business already has that name, so you can select a new one. Do this before investing in expensive stationery and brochures. It costs only a few dollars to file, and it protects the business name from being used by someone else in the county. STEP #9 WRITE A BUSINESS PLAN A good business plan clarifies your ideas and establishes a plan of action. A good business plan should include a description of what you are selling, your background and qualifications, who the prospective customers are and where they can be found, what is needed to build the business, how you plan to promote, and how much money is need for start-up costs. SBA Publication #M925, The Business Plan for Home-Based Business ($1) is helpful. STEP #10 GET AN IDENTIFYING NUMBER If you are the sole proprietor of the business and have no employees, you may either use your Social Security number or an Employee Identification Number (EIN) as the business number on official forms. If you have employees, or the business is set up as a partnership or corporation, you must obtain an EIN. To do this, complete IRS Form SS-4 (Application for Employer Identification Number) and file it with the nearest IRS Center. STEP #11 OBTAIN A SALES TAX PERMIT If the product or service you sell is taxable, you need a state sales tax permit. Call the local tax agency, explain the type of business you have and what you sell, and ask if you need to collect sales tax. If you do, they will send you the necessary information and forms to complete. You also use this tax number when your purchase items for resale. STEP #12 OBTAIN LICENSES & PERMITS It's very important not to overlook any necessary license or permit. For example, some cities and counties require a general business license, and most have special laws regarding the preparation and sale of food. Call City Hall to find out what is need for your particular business. In addition, Chamber of Commerce provide information on city, county and state licenses and permits. STEP #13 SELECT BUSINESS CARDS, STATIONERY, BROCHURES Spend time on the color, design and paper for these items. They make a definite impression-good or bad - on the people who receive them. If you are not certain what is most suitable and effective, consult a graphics designer or a creative printer whose work you like. STEP #14 OPEN A BUSINESS CHECKING ACCOUNT Call several banks to find out what services they offer, and what minimum balance, if any, must be maintained to avoid paying a service charge. Also ask about credit card if you plan to offer this convenience to your customers. Bank fees can be significant, so shop around for the best deal. If your personal checking account is with a credit union, see if it can also provide a separate business account. when you open your account, you may need to show the assumed name certificate and business license. Finally, investigate obtaining a credit card in the business's name. If this is not possible, set aside a personal credit card to use for business expenses. STEP #15 SET UP RECORD-KEEPING SYSTEMS Put together a simple and effective bookkeeping system with an 8 1/2 x 11" three-ring binder, columnar pad sheets and twelve pocket dividers from the office supply store. For each month, set up columnar sheets for income and expenses. Use a pocket divider for each month's receipts, bank statement, deposit tickets, and canceled checks. In addition, an automobile log for business mileage, and filing system for correspondence, invoices, supplier catalogs, client records, etc. are two other useful tools. For more information on record-keeping, see IRS publication #583, Information for Business taxpayers. STEP #16 CHECK IRS REQUIREMENTS If you comply with basic IRS guidelines, you can deduct a percentage of normal household expenses (mortgage, interest, taxes, insurance, utilities, repairs, etc.) as a business expense. see the box accompanying this article and, for more detailed information, IRS publication #587, Business Use of the Home. Also become familiar with these IRS forms: Schedule SE (compensation of Social Security Self-Employment Tax) and Schedule 1040 ES (estimated Tax for Individuals). Depending on circumstances, you may have to file them. STEP #17 OUTFIT THE BUSINESS Make a list of everything needed to start the business, but before you buy anything, look around the house for things you already own that are usable. When you are ready to start purchasing, check the classified ads and garage sales. Both are good, inexpensive sources for office furniture, typewriters, computers, answering machines, etc. But only what is absolutely necessary for start-up, and wait until the business is off the ground to get the extras. STEP #18 DECIDE ON TELEPHONE REQUIREMENTS Call the telephone company to find out the cost of a business phone in your area. If you cannot afford a separate business line, investigate the telephone company's regulations on using your personal phone in a business. It may be possible to do this if you follow certain guidelines. Keep a record of long distance business calls as they are a deductible expense. Finally, consider the benefits of an answering machine to catch calls when you are out. STEP #19 CHECK OUT THE POST OFFICE & UPS Using a post office box as the business address down plays the fact you are home-based. It also prevents customers from dropping in at all hours. While looking into box rental, ask for information on the various postal rates, particularly bulk rate, if you plan to do large or specialized mailings. If you mail many packages, check out United Parcel Service (UPS), as it is less expensive than the Post Office. STEP #20 PURCHASE THE NECESSARY INSURANCE Check with your homeowners insurance agent about a rider for your existing policy or the need for a separate business policy. Also make sure you have adequate personal and product liability coverage. Shop around, as each company has different rules regarding home businesses To save money on medical insurance, join an association and participate in their group plan. One such body is The National association for the Self-Employed: they can be reached at 800-527-5504. STEP #21 ORGANIZE THE HOUSE & YOURSELF To have more time for business, organize and simplify household routines. Start by holding a garage sale to get rid of unnecessary possessions. Next, have a family conference and divide household duties, making sure each person does his or her part. The, set up a planning notebook to keep track of appointments, things to do, calls to make, errands to run, shopping, etc. Finally, set up a work schedule so you won't get sidetracked by TV, neighbor's visits, snacking, and telephone calls. Creating and operating a home business is a wonderful and rewarding challenge. The satisfaction is not only in the money earned, but in doing what makes you happy. SOURCES SMALL BUSINESS ADMINISTRATION. Pamphlets mentioned in this article are available by calling the nearest SBA office or ordering from SBA, P. O. Box 15434, Ft. Worth, TX 76119. NEWSLETTERS HOMEWORKING MOTHERS. Mothers' Home Business Network, dept. 10-6, P. O. Box 423. East Meadow, NY 11554: sample available for $2 and SASE. NATIONAL HOME BUSINESS REPORT, Barbara Brabec Productions, Dept 10-6, P. O. Box 2137, Naperville, IL 60588; $18/year, quarterly. (Sample issue, $4.00) BOOKS, REPORTS ELECTRONIC COTTAGE HANDBOOK #2 MAKING $$ WITH YOUR HOME COMPUTER by Lis Fleming. Fleming, Ltd., P. O. Box 1738, Davis, CA 95617-1738; $7.00 ppd. HOMEMADE MONEY by Barbara Brabec, Barbara Brabec Productions, P. O. Box 2137, Naperville, IL 60566; $16.95 HELP FOR YOUR GROWING HOMEBASED BUSINESS by Babara Brabec. Barbara Brabec Productions, P. O. Box 2137, Naperville, IL 60566; $13.45. THE #1 HOME BUSINESS BOOK by George and Sandra Delany. Liberty Publishing Publishing Co. Inc., Dept 10-6, 50 Scott Adam Rd., Cockeysville, MD 21030; $4.95. THE COMPLETE WORK-AT-HOME DIRECTORY AND IDEA BOOK. E. A. Morgan Publishing Co.,Dept. 10-6, P. O. Box 1375, Huntington, NY 11743; $15. (Includes free report: " The Legalities and Tax Advantages In a Home Business.") THE WORK-AT-HOME SOURCEBOOK by Lynie Arden. Live Oak Publications, Dept. 10-6, 6003 N. 51st Street, Suite 106, Boulder, CO 80301; $13.95 STAY HOME AND MIND YOUR OWN BUSINESS by Jo Frohbieter-Mueller. Betterway Publications, Box 219, Crozet, VA 22932; $11.45 101 BEST BUSINESSES TO STAR by Sharon Kahn & The Philip Lief Group (Doubleday, 1983, $19.85). Many of the businesses profiled are suitable for running at home. ASSOCIATIONS AMERICAN HOME BUSINESS ASSOCIATION, 60 Arch St.,Greenwich, CT 06830. NATIONAL ALLIANCE OF HOME-BASED BUSINESS WOMEN, Dept. 10-6, P. O. Box 95, Norwood, NJ 07648; $30 annual membership. NATIONAL ASSOCIATION FOR THE COTTAGE INDUSTRY, Dept. 10-6 P. O. Box 14850, Chicago, IL 60614; $45 membership.

Adm 17

DO'S AND DON'TS WHEN WRTING CLASSIFIED ADS DO WRITE OUT ALL DETAILS in your ad offer. Read it, edit it, and re-write it for a shorter, money saving effective ad. "Think small". DO FOLLOW ALL THE RULES when writing your classified ad. Use these ideas. Attention Interest Desire Action DO USE A NAME with each classified ad including your envelopes. DO NOT CHARGE for sales letters or circulars. DO BE HONEST with all your classified ad claims. DO IDENTIFY your product. DO WRITE YOUR CLASSIFIED AD simple, clear and direct. DO USE WORDS EVERYONE KNOWS and everyone will understand what your are saying. DO USE A WORD that will benefit a reader. DO NOT OVERPRICE your product. DO ADVERTISE FREQUENTLY. Constant exposure creates a familiar offer with better response. DO OFFER A MONEY BACK GUARANTEE in your classified ad, salesletter or circular if possible. An excellent sales technique! DO TEST YOUR AD in 2 or 3 smaller, low cost publications. Record results. Code each ad. DO READ PUBLICATIONS that relate to your product. Write for ad rates, paid circulation, discounts and closing dates. Keep records. DO HAVE ALL YOUR LITERATURE AND PRODUCTS ready for mailing when your ad appears in the publication of your choice. Do not delay in responding. DO USE THE COPYCAT METHOD. Do what other successful advertisers are doing. Only with a slight twist, idea or offer. DO RUN SEVERAL ADS worded differently. Keep records of results. DON'T OVER ADVERTISE. It can be expensive. If you want to, do it gradually. DON'T PRETEND YOU KNOW ALL THE ANSWERS. Because you don't. Take time to find out what you need to know. DON'T TRUST YOUR MEMORY. A thought will leave you as quickly as it came. Always write down a good idea. NOW! DON'T PLACE YOUR AD in the wrong classification. DON'T WASTE YOUR MONEY on ad words to amuse or entertain, but use words to persuade, inform and sell your product. DO USE A SHORT BUSINESS NAME. Make it easy to pronounce and remember. DON'T FORGET THE M. E.D. I.C. S. Motivation. Enthusiasm. Desire. Image. Creativity. Success! DON'T GIVE UP. If your ad doesn't pull after a fair exposure, try re-writing it. One or two different words may do the trick. DON'T SPEND THE PROFITS. Re-invest the money in more continuous advertising. DON'T FORGET, an ad that offers "FREE DETAILS" means writing a sales letter or circular. AVOID HIGH TYPESETTING COSTS AND MISTAKES Getting your price lists, brochures, catalogs or newsletters typeset does not necessarily have to be a costly procedure. Keep in mind that the main cost in typesetting is the time involved in setting type. By minimizing the time needed to create a typeset piece you can effectively keep your cost down. The following suggestions can help reduce your typesetting expense. Know what you want the FIRST time around. Have a picture in your mind. Trial and error can be costly. Don't have a typesetter set it one way, then decide a different format would look better. Reduce and eliminate author's corrections by thorough proofing and re-proofing. Avoid minimum charges by combining small jobs and having them set at the same time. Try to use one family of type to save time and money by avoiding font changes. The consistent look is better. Give explicit instructions on marking up copy: type styles, column widths/margins. With a large job, such as a brochure or annual report, request a style setting proof sheet to get approvals before the entire job is done. Avoid super rush jobs, especially if you don't really need them. Avoid lengthy corrections on the phone. You might end up paying for corrections later that could have been avoided if you had done your editing on proof sheets. Get the layout finished and approved before having type set... the same goes for copy, of course. Avoid the use of "run-arounds" (reducing the width of the copy to make room for a photo in the column, for example). If you do use them, use simple shapes, boxes, squares. Avoid the use of curved or angular type. Type reading left to right on a page (for example, this report) is faster and less expensive to set than copy that is set in a curve or running sideways on the page. The use of unjustified text and captions is less expensive than justified because it sets quicker, costing less time. Don't depend on the typesetter to read your mind. Be specific.