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  A Home-Based Business Online
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   March 31

    Sent to 3,989 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 - Debt
  Collector
3.  Feature Article - For the Last Time ... There Is No
  Magic Wand!
4.  Program Update - The AHBBO Cash Cow Club
5.  Newsletter Publishing Tutorial - Part 10 - The Exclusive
  Mailing Debate
6.  Pro-motion Column - Answers for the "Pro in Motion"
7.  Freebies
8.  Subscriber Q&A
10.     This Week's Web Site Pick
11.     Next Week in A Home-Based Business Online
13.     Subscription Management
15.     Contact Information

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1. Welcome and Update from the Editor
============================================================

Hello again, and a warm welcome to all the new subscribers
who have joined us this week!

Following last week's Cash Cow program review I was
inundated with enquiries.  In response to the experiences of
some of you who signed up for the Cash Cow program, I'm
delighted to announce the introduction of a new service for
those of you wanting to start your own Cash Cow business.
Read about the new AHBBO Cash Cow Club in segment 4.

As promised, the long-promised AHBBO Articles Collection
is now available in ebook format.  It's in this week's freebie
section at segment 7.

This week's newsletter publishing tutorial instalment addresses
the vexed exclusive mailing issue.  It's at segment 5.  Next week
is the last instalment of the tutorial.  Following that issue, the
entire tutorial will be updated and compiled into an ebook for
ease of reference.

Thanks for reading 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 - Debt Collector
============================================================

As any small businessperson can attest, from time to time
the situation arises where a client claims an inability to pay
(or simply refuses).  Chasing clients for money is not exactly
any small businessperson's idea of fun or a productive use of
time.  Many people simply hate to ask people for money,
even when it's money they've fully earned!  For this reason, there
are many people out there who represent a potential market
for a home-based debt collection business.

True, there are plenty of large agencies out there who will
chase debts on behalf of creditors but because these agencies
work on volume, they simply don't have the time to spend
working with individual debtors to agree on payment plans.
And because they are often corporate behemoths they are
not well geared for the collection of the smallish debts typically
owed to small businesses.

For these reason, a one-person debt collection business can
fill a niche in the market.  If you have the right personality and
enjoy working with people and helping them find solutions to
their problems, you may be well suited to this role.

Current growth areas are collections for unpaid child support
(this may or may not be an area you want to get involved with
though as emotions can run high), day-care and health-care.
So target the proprietors of these sorts of small businesses
in your area in addition to others that may be prevalent in
your area.

Your remuneration will may take the form of a fee-for-collection
or a percentage of the amount recovered.

Licenses are required in most states in the US and elsewhere
in the world so be sure to check with your local regulatory
authorities on the specific requirements for your location.  Also,
in the US and other countries, this area is governed by
legislation.  In the US, that legislation is the Federal Fair Debt
Collection Practices Act
(see http://www.law.cornell.edu/uscode/15/1692.html). In
Australia it's covered by both state and federal law.  Visit
Austlii for more information (http://www.austlii.edu.au).
 

=> Off-Web Resource:

American Collectors Association
4040 W. 70th Street
Minneapolis, MN 55435
(612) 926 6547

=> Web Resources:

Collect More
http://www.collectmore.com

Creditworthy
http://www.creditworthy.com

Dun & Bradstreet Free Tips
http://www.dnbcollections.com/nfree.htm

Getting Paid
http://www.isquare.com/getpaid.htm
 

=> Books:

Getting Paid
by J. L. Spencer

How to Collect Your Debts (and Still Keep Your Customers)
by David Sher and Martin Sher

On Your Own, North Carolina Small Claims Court: A Debt
Collection Guide for Small Business
by Mary Nixon

There are literally squillions of titles on this subject.  Just
do a search for "debt collecting" at Borders
(http://www.barnesandnoble.com) or any of the online book retailers
to order.

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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:  For the Last Time ... There Is No Magic
    Wand!
============================================================

By Elena Fawkner

"I'm looking for a program that will make me enough money
so that I can quit my job.  I need about $2,000 a week.  I have
to give a month's notice at work.  Will I be making that with
your program by then?"

"I just lost my job and I need to make a lot of money fast to
pay off my debts.  How quickly can I make $35,000?"

"I'm new to the internet.  Can I really make $200 a day with
your program?"

These are real extracts from three emails I received this week.
This week was no different from any other week.  My
respective responses to the above three were "no", "not" and
"yes, eventually" (to paraphrase).  To each, I sent a lengthy
response explaining what they should realistically expect to
generate from each of the programs in question.  I didn't hear
back from any of them.  No doubt they've given up or have
moved on to someone who will tell them what they want to hear.

I've lost count of the number of conversations like this I've
had over the past months.  Too many.  I'm sick of the
sound of my own voice, saying the same thing, over and
over.  So, this article is a summary of all of the advice I
keep giving over and over and is my response in advance to
all future queries that fit the "how soon can I get rich" mold.
 

1.  There Is No Such Thing As Get Rich Quick

You will NOT make $50,000 in 60 days.  You will probably
not make $50,000 in 600 days.  If you are very new to
the internet you will be doing VERY well to make $500 in
60 days.  But you probably won't even have worked out what
you want to do before then anyway.  Some people don't
EVER make enough money to cover their webhosting and
ISP fees.
 

2.  Your Computer Is Not An ATM, Nor Is Your Letterbox

Your computer is not a money-spitting machine.  It is a
tool for conducting your business.  Your business is something
you create with your own hard work and ingenuity using the
tools you have at your disposal and your own natural talent.
Your business, if your hard work pays off, will generate income
for you but cash will never spew forth from the CD ROM drive.

Your letterbox is not an ATM either.  You will not go to your
mailbox tomorrow morning and find a stack of cash in
there either.  I don't care WHAT you've heard.
 

3.  You Have To Work Every Day

You will NOT make money while you sleep.  If you make
hay while the sun shines you may wake many days later to
find orders in your mailbox.  But those orders have come from
your haymaking efforts, not by some process of osmosis
while you were sleeping.
 

4.  You Have to Sow Before You Can Reap

You cannot reap what you have not sown.  You will NOT
receive orders for your you-beaut internet rags to riches
widget by slapping up a webpage with a link to your credit
card processor.  You must invest real time and real
effort into creating a real product that people are interested
in acquiring and then you must let real people know that
it exists.

This is seriously hard work.  A self-replicating website
and a few classified ads in half a dozen ezines does not
equal real time and real effort and, often, it doesn't equal
a real product either.
 

5.  You Have to Create Your Own Website

Affiliate programs are a good way to get your feet wet
with internet marketing.  But they won't make you
any serious money until you create your own website
with quality content that draws targeted traffic.
 

6.  You Have to Create Your Own Product(s)

Even when you have created your own website with
quality content that draws targeted traffic, your income
from affiliate programs will be limited.  The lion's share
of the profits is going to the owner of the affiliate
program.  You are working on commission.

To make serious money on the internet, you need to
develop your own product or service and keep the lion's
share of the profit.  Then YOU can set up your OWN
affiliate program and get everyone else to sell it for you
for a commission.
 

7.  You Have To Run Your Business As A Business

Your internet business is a business.  It is not a hobby
(unless you aren't making any money, THEN it's a
hobby).  So run it as a business.  That means being
professional and customer-oriented.  It means exercising
good business judgement and it means expecting to
be around this time next year.
 

8.  You Will Be Dealing With Real, Live People

When you receive orders or emails, they will be sent by
people, not machines.  Respond accordingly.
 

9.  Don't Give Up Your Day Job ... Yet

It will take you a long time, probably many months,
before you will be earning from your online business what
you are currently earning in your job.  So, if you're making
$2,000 a week in your job, you won't be giving it up any
time soon.
 

10. You Will Have To Be Patient

On the internet, the time moves as fast as it does anywhere
else.  No faster.  When you start a business offline, it takes
time, many months usually, before the business starts to take
off.  It is the same on the internet.  The only thing that's fast
on the internet is the websurfer's index finger on the mouse
button.  Making money is as slow online as it is offline.
 

11. You Will Have to Persevere

There will be times when you feel like you're just not getting
anywhere.  You will feel like quitting then.  Most do, in fact.
Don't be one of them.
 

12. If You Use Unscrupulous Tactics You Will FAIL

Some people decide that the real world does not apply to
them and that they can get rich without investing time or effort.
These people tell everyone whatever they want to hear to make
a sale.

These same people buy bulk email and harvesting software
so they can go around gathering up all the email addresses
they can find to send their sales message to.  These people
figure if only one percent of these 100,000 names respond
that's a good return.  They are wrong.  What happens is
they get bombarded with hate mail and shut down by their ISP.
Their business is snuffed out in an instant.
 

13. There is no magic wand
 

Get it?  Got it?  Good!

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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. Program Update - The AHBBO Cash Cow Club
============================================================

Last week I published a profile of The Cash Cow program.
If you missed it, last week's issue is archived at
.

As a result, quite a number of you expressed interest in the
program.  What escaped the attention of some who signed
up though was that the Cash Cow website and autoresponders
can be set up using completely FREE resources.

Because the set-up of these sorts of programs can be a little
intimidating if you're not an experienced internet marketer,
I've decided to introduce a free service for those of you who
sign up for The Cash Cow via the AHBBO website.

The free service is called The AHBBO Cash Cow Club and,
basically, what it offers you is free website set-up (including
statistics tracking) and webhosting at an A Home-Based
Business Online sister site, free autoresponder setup and free
coaching from yours truly.

What this means is that you don't need to figure out how
to alter the HTML code of your webpages to personalize them
with your information AND you don't have to pay someone
else to do it for you!  What's more, you don't have to put up
with someone else's banner advertising on YOUR website
(which you will have to if you go with any of the various free
webhosts available for commercial purposes).

If you take advantage of this special offer, your only costs
to start your business are the joining fee for the Cash Cow
program itself ($25) plus setup costs for your credit card
processor (about $35) and/or online check processor
(about $50).  That's an initial investment of about $100.
Make four sales and your business has paid for itself!

But the real value of this program (and well worth the
initial $25 investment in itself) is what you learn from
it along the way.  The principles you learn with The Cash
Cow are the very same principles you need to know to
market ANYTHING on the internet.  Master these
principles and you can apply them to promoting any
program you may get involved in, including your own!

To find out more about The AHBBO Cash Cow Club visit
.

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Next Week's Profile: Make Your Knowledge Sell!

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============================================================
5. Newsletter Publishing Tutorial - Part 10 - The Exclusive
    Mailing Debate
============================================================

This week's instalment introduces the controversial topic
of exclusive mailings.  To send or not to send, that is the
question.

Part 10 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 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
for Part 8
for Part 9

------

Next Week Part 11 - Beyond Critical Mass (Final)

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6. Pro-motion - Answers for the "Pro in Motion"
============================================================

Q. I'm just getting started online. Do I always have to give a
money-back guarantee? (Steve Q.)

A. Professionalism demands that refunds be offered to all
customers. Not just offered, but guaranteed. That goes without
saying - but maybe folks arenít quite so sure about exactly
what needs to be guaranteed.

Simple answer. Everything! The only exception is for
advertising, after the ad has been published. Unless, of
course, you promised a certain number of sales as the result
of the ad.

Under what circumstances should the customer receive a
refund?  Simple answer. If he, or she, asks for it!

How long should the guarantee period last? Not so simple.
Certainly, the period must extend past the time wherein the
customer has enough experience with the product or service to
know if it is going to fulfill their needs. Certainly, all
defective products need to be replaced or refunded as soon as
the defect becomes apparent.

Other than that, itís pretty much up to you as the business
owner. You can give a 30 day guarantee - or a lifetime
guarantee. Your call.

I will warn you, however, that companies demonstrating the
highest degree of professionalism will make things right for the
customer no matter how long a period of time has past. "The
customer is always right," may not be true in every situation.
But, true professionalism demands that it be accepted as a fact
whether it is correct or not.

Q. I need online services like everyone else but I'm overwhelmed
trying to choose the right ISPs, web hosts, etc. Is there a
secret to getting good service? (Tina L.)

A. Let's begin with the obvious. Do you have COMPLETE contact
information for the company you are considering doing business
with?

Have you read their "Terms and Conditions?" Are those terms
reasonable, or were they only created to protect the company
itself? What kind of protection do YOU have? Can they shut
down your service without any warning to you - or are they
claiming that they can?

How do they respond to you? Before you buy - or hire a service
- call that company and talk with someone. Ask questions. Ask
the hard ones! If they become impatient with you - move on to
the next company on your list.

You do need a list because you need to interview people!

Remember - they arenít doing you any favor by selling you a
service or product. Yes - you do need the service/product, but
you are doing them the favor by becoming their customer.
Remember who is paying!

* To submit questions to "Pro-motion"

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

------

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 FREE subscription:

 

============================================================
7. Freebies
============================================================

=> AHBBO Articles E-Book
     A collection of articles published in AHBBO from
     commencement in July 2017 to date.

============================================================
8. Subscriber Q&A
============================================================

Last week we heard from Maureena who wanted to know
whether there were any opportunities available for Canadian
residents.

Thanks to fellow subscriber and AHBBO advertiser Neil
Malcolm who has sent in this response:

    ~*~*~*~*~*
Hi Elena

I have an advert running in your ezine next week [this week]
for the pcpowersystem, the latest tool for the tap root group
of Life Force International. It is a referral marketing opportunity
only available in USA, Canada, UK and Ireland.

The system is ideal for homeworking and comes complete
with free online and offline training modules, and prior to
signing up a no obligation 21 day demo of the system.

Best Wishes
Neil Malcolm
http://www.pcpowersystem.com/id/14593801-3/tour.html

    ~*~*~*~*~*

If you thought it was tough finding opportunities in Canada, how
about poor Mike Lu in China:

Hi Elena,

Thank you for your newsletters that have drawn my interest.

I am a native Chinese in P.R.China. So far, as Maureena
commented in last issue, everything is U.S. based. Is there
anything for the Chinese market? How can I start a home
based business in China where Internet is quite new for
most people here?

Regards,
Mike Lu

Mike, I'm the first to admit I wouldn't have a clue about the
availability of programs in China.  Again, though, there are
many programs that are available to anyone wherever you
are located.  I don't see that the fact you happen to be
physically located in China needs to make any difference
unless there are governmental constraints on your activities
as I know there are in places like Saudi Arabia, for example,
which prohibits the use of credit cards over the internet.

The point to bear in mind is that your market is not China
or Canada or Australia, or wherever you happen to be
located.  Your market is the INTERNET.  In a very real
sense, there simply are no geographical borders.  The
programs discussed last week, Cookie Cutter and Cash
Cow are certainly open to Chinese residents (subject to
any governmental constraints as mentioned above).  There
are *many* other opportunities out there too.  In fact,
unless a program specifically states that it is restricted
to certain countries it will usually be open to anyone.

Typically, the kinds of programs that are limited to particular
countries are things that are subject to governmental regulation.
Online gambling is a good example.  Because governmental
regulation on issues such as gambling vary from country
to country, it is necessary to confine the activity to certain
countries to avoid inadvertently engaging in illegal activity.

Another major type of program that is typically restricted to
certain named countries are programs that involve the
importation and exportation of products from one country to
another.  This is simply because of bureaucratic difficulties
that come up with various countries' customs authorities and
are usually resolved in time anyway in response to demand
from people wanting to participate in the programs concerned.
I know, for example, that the Six Figure Income program which
involves the importation/exportation of Life Force International
products had this problem recently with Australia.  I think it's
been resolved now though.

In fact, the program mentioned above by Neil Malcolm in
response to Maureena's query about Canadian opportunities
is a good example.  You'll notice that Neil makes the point the
program is only available in the US, Canada, UK and Ireland.

But unless you're dealing with one of these very specific
types of programs, you can assume (subject to confirming
it with the person you sign up with) that there are no
geographical restrictions.

Does anyone have any more specific ideas for Mike?  If so,
please share them with the rest of us!  Mail your
suggestions to Contact By Email?subject=Q&A

------

If YOU have a question for the Q&A segment, send it along!
Contact By Emailmp;A .

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============================================================
10. This Week's Web Site Pick - Weekly Thought
============================================================

http://www.weeklythought.com/

This week's website pick is one out of the box and is
presented as an example of creative marketing (of
another site) rather than for the merits of the website
itself.  (Although the Weekly Thought site is excellent,
it normally wouldn't appear here because it's not
business-related.)

Many of you will be familiar with fellow-subscriber and
frequent AHBBO advertiser, Tony Lloyd.  Tony runs the
Tony Lloyd Marketing site ().
He also runs the Weekly Thought site.

Basically, the main page of Tony's Weekly Thought site
presents a weekly inspirational article.  On the main
page is a sign up form so you can subscribe to receive
a copy of the article by email each week.  Each article
contains a link back to the site which of course contains
a link back to the Tony Lloyd Marketing site.

Here's the philosophy in Tony's own words:

"Face to face interaction with your customers gives you the
best opportunity to market your product or service. Marketing
online presents a challenge that can be overcome by forming
relationships with your customers. Offering something of value
to your customers on a regular basis, builds rapport, trust
and credibility which in turn make it easier for them to do
business with you. Remember the competition is only a click
away!"

What a great idea, don't you think?  Give people something
of real value while at the same time using the opportunity
to promote another site that generates income.  That, of course,
is the same reasoning that applies to publishing an ezine on a
regular basis.  Tony's just given the principle a unique twist.

What applications can you see for your online business
applying this principle?
 

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11. Next Week in A Home-Based Business Online
============================================================

-> Home Business Idea of the Week: Contractor Referral
    Service
-> Feature Article: Getting Paid ... Minimizing Bad Debts
    In Your Home Business
-> Newsletter Publishing Tutorial: Part 11 - Beyond
    Critical Mass (Final)
-> Program Review: Make Your Knowledge Sell!
 

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13. Subscription Management
============================================================
 

To SUBSCRIBE to this Newsletter:
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If you find this newsletter valuable, please forward it
in its entirety to your friends, family and associates!
 

If you find this newsletter valuable, please forward it
in its entirety to your friends, family and associates!

============================================================
15. Contact Information
============================================================

Elena Fawkner, Editor
A Home-Based Business Online
Contact By Email
http://www.ahbbo.com

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