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  A Home-Based Business Online
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   March 17
 

    Sent to 4,487 subscribers
 

  Editor: Elena Fawkner
  Publisher: AHBBO Publishing
  
   Contact By Email
 

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    IN THIS ISSUE
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1.    Welcome and Update from the Editor
2.    Home-Based Business Idea of the Week - Home Health
  Care Agency
3.    Feature Article - Keeping It In the Family
4.    Newsletter Publishing Tutorial - Part 8 - Administering
  Your Subscriber Database - Manual versus Automated
5.    Pro-motion Column - Answers for the "Pro in Motion"
6.    Freebies
8.    This Week's Web Site Pick
9.    Next Week in A Home-Based Business Online
11.   Subscription Management
13.   Contact Information
 

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1. Welcome and Update from the Editor
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Hello again, and a warm welcome to all the new subscribers
who have joined us this week!
 

There are a few odds and ends to bring you up to date with
this week.
 

A number of you have asked whether the articles published
in AHBBO are available as a collection in e-book format.
At present they're not but I intend to do this in the coming
week, hopefully in time for next week's issue.
 

As many of you have requested, ALL prior instalments of the
AHBBO newsletter publishing tutorial are now available by
autoresponder. Addresses are given in segment 4 below.
Also, the completed tutorial will be made available in ebook
format upon conclusion (mid April or thereabouts).
 

I'm delighted to announce that in a few weeks I will be
launching a brand new AHBBO website at a new address:
www.AHomeBasedBusinessOnline.com . This will involve
a major upgrade of the existing site and promises to be a great
work from home resource. And, of course, it will remain
absolutely FREE! I'll keep you updated on progress. If there
are any special features you'd like to see at the new home of
AHBBO, please let me know and I'll take your ideas on board.
Send your suggestions to .
 

Finally, for all of you wishing you'd got in on the ground floor
of Cookie Cutter (an excellent program, by the way), keep an
eye out for next week's issue of AHBBO. I'll be reviewing a
comparable and promising program that's still in its relatively
early days.
 

Anyway, that's enough to be going on with for one week. Thanks
for being with us and I hope you enjoy this week's issue!
 

Remember, this newsletter is for YOU! If you have comments
or suggestions for topics you would like to see addressed,
or would just like to share your experiences with other
subscribers, I want to hear from you! Please send comments,
questions and stories to Contact By Email
 

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2. Home-Based Business Idea of the Week - Home Health
Care Agency
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Remember when doctors used to make house calls? No?
Me either. But I'm told by several very reliable sources (one
of whom is my mother) that at one time doctors actually
ventured out of their surgeries and attended their patients in
their very own homes! Hard to believe? Well, not for long.
It appears that a groundswell of demand for in-home medical
attention is reviving the good old housecall but in a decidedly
21st century kind of way.
 

The Entrepreneur.com start-up kit gives a good general
overview of what's involved. Essentially, a health care agency
works with doctors, nurses and other caregivers to coordinate
patient care for clients in their own homes. Health care agencies
can take the form of fully-fledged nursing agencies or just a
referral agency. A nursing agency is a much bigger type of
operation and anyone wanting to start a home-based operation
would be well-advised to start out as a referral agency and
expand later into a nursing agency if that's the future direction
of the business.
 

Useful sites:
 

American Federation of Home Health Agencies
 

Tender Loving Care
 

Wisconsin Department of Health and Family Services
 
 

Books:
 

Home Health Agency Handbook
Rector Press, Limited
 

The Home Health Agency Policy Manual
by Marilyn D. Harris
 

These titles may be ordered online through Barnes & Noble
(http://www.barnesandnoble.com).
 

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There are many more ideas like this in AHBBO's Home
Business Ideas page at
and Online Business Ideas page at
with more being added
all the time.
 

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3. Feature Article - Keeping It In The Family
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By Elena Fawkner
 

I'm sure you've heard this dreaded statistic before: the failure
rate of all start-up businesses is around the 90% mark.  Add
to that the further distinctly unpleasant fact that roughly 50%
of all marriages end in divorce and you can quickly see that
the odds of your new small business succeeding, already
slim, become positively anorexic if you run your business in
partnership with your spouse.
 

So, what are some of the key challenges faced by newly
entrepreneurial couples and what can YOU do to reduce
the chances of becoming a statistic?
 
 

RELATIONSHIP
 

A structure is only as strong as the foundation upon which
it's built.  If you're in business with your spouse, the
foundation of your building is the relationship.  That needs
to be like bedrock before you even *contemplate* starting
a business together.
 

Make sure you honestly assess your commitment to the
business and to each other up front.  Do you share the same
family values and desires?  Do you plan to have (more)
children?  If so, how do you accommodate family
responsibilities and build a business at the same time?
 

Discuss these issues before they arise.  The last thing you,
your business, your relationship or your family needs are
nasty surprises.  If you simply assume your spouse will cut
back on the business and assume the lion's share of the
parenting responsibilities, think again.  Your spouse may
be making the same assumption ... about you!
 

Preserve and nurture what's led you to where you are
today: your relationship with each other.  And that may not
be as easy as it sounds.
 

At least in the early days of the business, your relationship
will need to thrive on a lack of quality 'couple' time or, indeed,
any time at all!  It is by no means unusual for new business
owners to be working 16 hours a day, 7 days a week to get
their businesses off the ground.  That's one very important
reason why your relationship needs to be in good shape
before you go into business together.  You don't want to
be subjecting a relationship in trouble to that sort of
pressure.
 

Look for ways to retain romantic intimacy.  When you're
working 16/7 that won't happen by itself.  One good idea is
to schedule 'dates' on a regular basis.  Even once a week
can make all the difference.  Just make sure you don't
use the time to talk shop.  This is supposed to be romantic
time for the two of you as a couple.  Tomorrow's the time to
discuss business and it will be here soon enough!
 

You can, I'm sure, think of many other ways to keep romance
alive.  Start little rituals, such as candlelight dinner breaks,
for example.  The important thing is to always stay aware of
this area of your relationship and don't let it slide, no matter
how absorbed you both become in your new business.
You'll probably find you take it in turns being vigilant in this
area.
 
 

DIVISION OF RESPONSIBILITY
 

It is absolutely crucial that each of you has your own clearly
defined areas of sole responsibility.  Any business needs one
and only one person to make a final decision.  This
doesn't mean that one person makes all the decisions, it
just means that one person makes the final decision in his
or her area of sole responsibility.
 

Start by allocating business responsibilities between you and
having a very clear understanding that each of you has final
decision-making authority in your respective areas.  Under no
circumstances should you encroach on your partner's area
of responsibility and/or override his or her decisions.  Start
doing that and the cracks WILL begin to appear, I kid you not!
Sure, consult each other when making decisions.  That's
what business partners do, after all.  But the ultimate
decision-making authority must rest with the one who has
overall responsibility for the relevant area of the business.
 

The business is not the only area where responsibility
needs to be divided.  Don't forget to allocate responsibility
for household chores and parenting responsibilities.  Who is
to do the grocery shopping, the laundry, the cleaning and
bill payment?
 
 

COMMUNICATION
 

Each of you should treat the other just as you would a
respected colleague outside the business.  So show each
other the same respect, courtesy, appreciation and
gratitude that you would show any valued co-worker.
 

No matter how well people get along, disagreements about
certain aspects of the business are inevitable.  And just as
in any other business, what is important is how those
disagreements are resolved.
 

A clear agreement on division of responsibility is a very good
start and having already agreed that one of you has final
decision-making authority in your respective areas means
that there is always a means for resolution of the
disagreement - a final decision.  Otherwise you'd find
yourselves going around in circles, unable to agree, until
finally one of you would take matters into your own hands
out of frustration or you'd simply do nothing.  And that's
bad for the business and bad for your relationship.
 

A good way of communicating about business issues is
to hold regular business meetings together.  Perhaps a
Monday morning partners' meeting would work well for
you, or lunch on Wednesdays, perhaps.  Although the
idea of a meeting may seem a little formal at first given
your relationship outside of the business, keep in mind
that the disciplines you find in an external business are
there for a reason.  They keep the business on track and
keep everyone focused on the task at hand.  So take
time on a regular basis to regroup, take stock, stay up
to date with where the business is, where it's headed and
what each of you is working on and planning.
 

By holding meetings like this you also avoid 'spillover' of
the business into your personal time of which there is
precious little to begin with.  Which brings us to the
next point.
 
 

KEEP BUSINESS AND HOME SEPARATE
 

The ultimate success of your business depends upon both
of you making decisions based on what's best for the
business.  If you are not prepared to do this, then your
business is doomed to failure.  Really think about what
this means before you start out.  Do you - BOTH of you -
have what it takes to do that?  When the time comes will
you forego that vacation to Hawaii to plough the money
back into the business?  Will you?  Are you sure?  What
if the relationship's starting to get a bit shaky?  Will you
still do it?
 

It follows from what was said above that the business is
something separate from the relationship/home.  This is
necessary for the survival of the business.  Equally, it is
necessary for the survival of your relationship.
 

What are some of the things you can do to keep business
and home separate?
 

=> Set Business Hours
 

Set regular business hours and stick to them.  Except
in an emergency, what doesn't get done in business
hours doesn't get done until the next day.
 

=> Don't Let Business Intrude on Personal Time
 

Personal time is all that time outside of regular
business hours.  Jealously protect it from encroachment
by the business.  If the business line rings at 7:30 pm
and business hours ended at 6:30 pm, let the answering
machine pick it up.  In other words, shut the door on
the business at the end of the day.
 

=> Don't Let Home Intrude on Business
 

Just as you must jealously guard your personal time,
so too you must insulate the business from intrusions
on the home front.  So, when friends who know you
work from home suggest you play hookey to hang out
with them during business hours, say no.   Schedule
hanging out with friends for your personal time.
 

If you're at odds with each other about something to do
with your personal lives, don't let it affect how you work
together in the business.  Focus on the task at hand,
not your feelings about the personal issue.  If it's getting
in the way, resolve it.  Don't let resentment undermine
your working effectiveness.
 
 

OTHER ISSUES
 

Finally, there's a myriad of issues that are deserving of
whole articles in themselves.  They're listed here just as
thought starters.
 

=> Family Demands
 

If you have children, there may be times when family
demands can shift the commitment to the business of
one or either of you.  During such times, make sure it's
only one of you whose commitment has shifted.  Plan for
what you will do if, for example, a child gets sick.
 

=> Outside Interests
 

To keep your relationship fresh and interesting, you should
both pursue interests that are independent of the business
and each other.
 

=> Separate Space
 

You live and work together.  That's a LOT of togetherness.
Everyone needs personal space.  If possible, have separate
work areas so you're not under each other's feet ALL the
time.
 

=> Capital Sufficiency
 

Make sure you have sufficient capital to sustain you through
the start-up phase of your business.
 

=> Where Did They Get the Money for That?
 

Has your business capital come from family sources?  If so,
beware scrutiny of your expenditure from family members.  It is
common for entrepreneurial couples with family finance backing
them to feel like they have to justify the necessity for a particular
item of expenditure, particularly if unrelated to the business.
 

=> What if the Relationship Ends?
 

Particularly if the business is your sole means of livelihood,
think about having a plan for what happens to the business if
the relationship ends.  While no-one likes contemplating such
an eventuality, the fact that is half of all marriages end
in divorce.  Those are pretty high odds.  You may agree
that you will both continue with the business; one of you may
buy the other out; or the business may be sold in toto with
the profits being divided evenly between you.
 

=> Succession Planning
 

If your business is successful, what will you do when you
exit the business?
 

=> Business Failure
 

Finally, consider your financial position if the business fails.
Not only are you out of work but so is your partner.  This is
a very different proposition from a business being run by
only one spouse.  At least then the other spouse is still
bringing a paycheck home.  Think about how quickly you
will both be able to return to paid employment if the
worst happens.
 
 

The prospect of running a successful business with our mate
is the dream of many of us.  It is natural to want to share as
much as possible with our spouse.  But it is not for the faint-
hearted and there are many issues to take into account.
Don't make your decision based on visions of romantic
togetherness.  The reality will be altogether very different.
But if, with eyes wide open and having taken all of the above
factors into account, you believe you can be successful in
business together, by all means go for it!
 
 

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**Reprinting of this article is welcome!**
This article may be freely reproduced provided that: (1) you
use the autoresponder copy which contains a resource box;
and (2) you leave the resource box intact. To receive a copy
of this article by autoresponder, just send a blank email to
.
 

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4. Newsletter Publishing Tutorial - Part 8 - Administering
Your Subscriber Database - Manual versus Automated
============================================================
 

Up until this point, we've covered the nuts and bolts of
creating your own newsletter and how to generate
(hopefully) masses of subscribers. Along with masses of
subscribers comes masses of administrative tasks:
processing subscribe and unsubscribe requests, changes
of addresses and the bane of all ezine publishers, the
good old returns ("undeliverables").
 

This week, therefore, we look at how you can automate
this process to free you from administrative servitude to
concentrate on what's most important: creating fresh,
interesting content for your newsletter.
 

Part 8 is available by autoresponder. To receive it, just
send a blank email to .
Alternatively, visit the A Home-Based Business Online
website tutorial page at .
 

All previous instalments are now also available by
autoresponder. To receive previous instalments, just send
a blank email to:
 

for Part 1
for Part 2
for Part 3
for Part 4
for Part 5
for Part 6
for Part 7
 

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Next Week Part 9 - Accepting Paid Advertising
 

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5. Pro-motion - Answers for the "Pro in Motion"
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Q. Last week you mentioned that we should file for a
company name for our online businesses. Could you please
tell us how to do that? (Angie B.)
 

A. I wish there were a simple answer to this but like most
government regulated issues - it's complicated. In the USA,
these filings are called by various names. "DBA" (Doing
Business As) - "Registered Alias" - "Assumed Name
Statement" - and "Fictitious Name Registration" are just
four that I've encountered. In other countries, they probably
have even different documents - if they are required at all.
 

In some States, you will need to file with the County where
you live. In other States, you file with the State itself. Some
places require that you publish your intent to file a particular
name - and others don't have this requirement. The cost for
this is usually nominal in a legal publication. Filing fees are
also very nominal. Cost is never prohibitive.
 

The paperwork is very simple - usually one short page. You'll
need to have your signature notarized.
 

If the requirement for you is to file with the State, you can
call the appropriate agency and ask them to send you the
paperwork. You will then return it to them by mail and they
will send you a final copy with the State or County Seal on it.
 

If you must file in the County where you live, you may be
required to go to the County Courthouse to file. In that case,
you will walk out with the paperwork in your hand.
 

One reader wrote to tell me that his bank filed his Fictitious
Name Registration for him. This was in a location which
requires filing with the State - easily done by mail. That's a
great service for a bank to offer where it's possible.
 

Which brings us to how and where you file. The easiest and
quickest thing to do is call the "New Accounts" department
at your bank. Tell them you need a business bank account -
and ask what paperwork they need. They will be able to tell
you the correct document and where to obtain it. Then, call
the appropriate agency for further directions per your local
laws.
 

Remember, in the USA you can't have a business bank
account without this document. You can't accept payment in
the name of your company and deposit it directly into your
personal account. It's the law!
 

* To submit questions to "Pro-motion"

jl scott, ph.d., Author
© 2017, All Rights Reserved
This article may be reprinted with permission by including the
following resource box:
 

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dr. jl scott is the Director of the International Association for
Professionalism Online (IAPO) -
and also the publisher of MONDAY MEMO! - the ezine
dedicated to upgrading Professionalism on the Web. For your
 

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6. Freebies
============================================================
 

-> Ebook - MONDAY MEMO! by jl Scott (new release)
    A collection of 13 of the most popular articles written
    by jl Scott of Monday Memo!
 

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8. This Week's Web Site Pick - Internet Business Center
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This site is a real find. Basically, it contains all the
information you need to know to be successful in your
online business. Full access requires membership (at an
annual cost of $87) but great chunks of the site are
accessible by anyone.
 

The information is divided into the following categories:
 

=> Designing a Web Site That Works
=> Join the New Economy - Create a Web Presence For
     Your Business
=> E-commerce - Internet Marketing Directly to Customers
=> Business Intranets - Improve Your Internal Communication
     to Cut Costs and Improve Productivity
=> Extranets Strengthen Relationships While Decreasing
     Costs
 

There is substantial content freely available in each of
these sections to make the site a winner even if you're not
a paid member.
 

Highly recommended.
 

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9. Next Week in A Home-Based Business Online
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->   Home Business Idea of the Week: Cleaning Services
  Broker
->   Feature Article: If I'd Known Then What I Know Now ...
->   Newsletter Publishing Tutorial: Part 9 - Accepting
  Paid Advertising
 

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