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    Free Essay
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    Mis 4

     

    HOW TO COMMAND, INFLUENCE AND CONTROL PEOPLE The Styles and Methods of Power Power is the ability to get things done - your way. Sometimes it's a direct order that you give, sometimes a suggestion you make, or a request or the asking of a favor; but the result (if you have power) is always that the other person acts and you derive a benefit from the other person's actions. Once can have power in many different ways. You have it over your employees because you pay their salaries. If you are an expert in a special field, it's because you know the best way to handle matters. In a legal dispute it's because you have the law on your side. If you have credit cards, it can be part of your lifestyle to go into a store, hotel, or restaurant, in any city, and order whatever you wish. In politics it's because folks will give you their votes, hoping that you'll work and succeed in getting the government to serve them in their area. And there's the power that derives from being talented, charming and capable; of being up-to-the minute and knowledgeable, so people know if they let you handle things for them or listen to your advice, they'll come out ahead. One more aspect of power. This concerns competition. If all the world were fair and equal, one would have no need for the upper hand, for the advantage, for power. But of course the world isn't. Which often means that in a competitive situation you cannot merely settle for an equal chance. You must keep your eyes and ears, and indeed all you faculties, open for any clue or other tips that will move the balance in your favor. Whenever possible, make sure you get more than an equal chance. You Have to Look the Part People are impressed by how a man looks. They are often not aware of exactly why they treat one man like a VIP and another gets the bum's rush. Their reactions may be subliminal, below their conscious awareness. But take it from me, if you're well dressed, neatly groomed, hair trimmed, etc., and are driving a snazzy car, you'll be well received; while a guy who's wearing sloppy clothes, unshaven and unclean, and who's driving an old heap, will hardly get any attention at all. Look as good as you can; and back it up in other ways. Add the other elements of the power image too. Clothing - it's worth investing some money to be well dressed. Buy suits on time payments if you can (a credit card is very useful for this). That way the clothes are helping to get power, and therefore money, for you while you are paying for them. Don't forget about the car you drive around in; if the one you have is not impressive then rent one that is. Rental cars don't cost that much and driving a good one pays dividends in the power sphere. Try to join clubs and organization (business, social, political) that have important and influential members. If at first you can't become a member, then manoeuvre a member into taking you as his guest. Money and power beget money and power, the more they thing you have, the more you'll get. We must repeat that, for most people, those who belong to the power elite are those that appear to belong to it. Unless recognized personally, a millionaire will be turned away from a class restaurant if he's not well-dressed. You Have to Consciously Act the Part of One Who is Used to Being in Command There's another extremely important factor in appearing to already have money and power beyond what I mentioned above and that is your own manner of doing things. You must move, speak and act power. Have you ever met the grandson of a man who amassed a fortune and wondered how a grandfather who did so much could have a grandson who seems like such a weakling? It's true; that grandson could never get rich on his own; if he hadn't inherited his family's money, he'd be poor because he's weak and incompetent. And it shows. The men who, like yourself, are capable of making money now, are men who can act in a strong style that almost seems to draw money like a magnet. Language, and the way you speak , can say as much as the ideas in your words. Equally important however, is your body language, that is, the way you stand, walk, move and sit, and the gestures you make. Be the Man Who's in Demand Power isn't just you being able to call someone and tell him what to do; it's also other men calling you and asking for your business or wanting to associate with you. If you're a man who seems to possess a wide knowledge of the world, an awareness of trend, if you're the early-bird who catches sight of opportunities first, if you're the man who's capable of handling many different kinds of situations, then people will seek you out. They'll invite you to vacation at their country homes, to meet their influential associates, to join their social clubs and their business syndicates. And when they do, all of these will enhance your image of power, and widen your power base so you can zoom in even more. When the Fight for Power Gets Harder Everything we've said so far will be useful in just about every situation; but when the struggle for power gets more intense, some other methods are needed. When the person(s) you're talking to has been open-minded and your powers of persuasion have been working from the moment you first started talking, the usual techniques can be used. But what if you're dealing with someone whose mind is closed to your ideas and influence from the start, or who feels he is in direct competition with you? Then things must be handled somewhat differently. Most important, be in control of the situation at all times. If you feel your control is slipping, do something to regain it, You could do something vividly dramatic and totally bewildering to the other person, like suddenly shouting or pounding on your desk. Or you could press a secret buzzer to have someone rush in and interrupt when the other side is coming on too strong. Never ever get into a power struggle when you're at any kind of a disadvantage; if you're tired or if the discussion turns to a subject in which the other guy is an expert. Always focus your own mental energy and project your thoughts into his mind. Look him in the eyes, try to gain his confidence. Always have a picture in your mind of a victory over this person bigger than the victory you need to achieve your aims. And whatever you do, don't lose; that is, if you realize that you can't beat him, then leave. It's better not to have victory than to have a defeat. Say Whatever Does the Trick Making a lot of money is largely a process of convincing people, of selling yourself, your service, your product. And the trick is to tell them what they want to hear. The problem is to find out what they want to hear. So you'll start out by giving them basic information about what you're selling. You then continue with your sales approach, always watching their reactions carefully. When you see their eyes light up and they then lean forward with interest, then continue on the topic that aroused that interest, no matter how odd it may seem to you. And do the opposite when you reach any of the usual parts of your presentation, if the prospect shows less than the normal amount of interest; that is, shorten that part and go on tho the next. From Start to Finish You start out by telling them what the product or service is or does. The kinds of benefits people get from using it and some examples of ways, both usual and unusual, that other folks have used it. It often helps to mention that "Mr. Anderson, you know, the big shot, just bought two of them for his own use", or that "the XYZ Corporation recently bought seven of them for their executives". Or if you're selling a more heavy duty item, that "Smith's Construction Company has been using them for years". If it's almost a custom made item, tell them they're one of the select few who will even get a chance to buy it. If you have an opportunity to talk to his wife or a friend of his, play along with that other person and have them unknowingly hinting to the customer that "it certainly sounds like a good deal". If his kids are with him, get them to needle him into buying it. Use any method that works. Suppose the guy seems convinced but he can't seem to make up his mind to actually hand over the money or sign the contract to make the purchase. Sometimes it helps to imply that he really can't afford it. He might buy it just to show you he isn't poor or a cheapskate. Another great strategy that sometimes works in desperation to close a sale is to make him feel guilty if he doesn't buy. Imply that he deliberately wasted your time and energy, the he's rotten and thoughtless, that he just wanted to make a phony impression on his wife or girl friend or anyone who is there with him. You might want to say all this very loudly, almost yelling, so that a crowd gathers and you shame him into buying. Or you can try another method to clinch the sale, offer him a "special bonus". Say you'll give him a longer time to pay, or a contract for "free" servicing or that you'll add on a bonus of another item "free". Actually he may have been entitled to this "extra" all along, but if you haven't mentioned it, then now's the time. Try to keep one or two tings in reserve as your last pieces of ammunition. To Sum It Up Prepare in advance so you know the other man's point of view; if you're able to benefit him, he'll practically jump at the chance to let you make money off him. Tell him what he wants to hear. And above all, keep eyes and ears open for any information, clues or tip-offs, favorable or unfavorable, that will give you the powers to persuade him. In the power battle called life, victory will go to those who find the right weapons and use them. So keep your weapons handy; get a head start and don't lose it. Be alert for clues you can use to your advantage. Present yourself with confidence; broadcast your will power, speak and move with assurance, and, to make sure they get the message, have the clothes, car, office and the other outer appearances of power and money. People tend to believe what they see, and if you look like you've got it made, then you will have it made.

         
    Mis 5

     

    HERE ARE 46 WAYS TO GET MONEY WHEN YOU ARE BROKE (MONEY YOU DON'T HAVE TO PAY BACK) 1. One way to get money is to have a yard sale and sell items that you are getting ready to toss away because you don't want them any longer. 2. You can always gather shells at the beach and polish and turn into jewelry. 3. Get cash surrender from life insurance policy. 4. Paint faces on rocks and sell as paper weights. 5. Go to a pawn shop and pawn some jewelry. 6. Borrow from a relative. 7. Go get welfare pay or food stamps. 8. Dig small trees from woods and sell to home-owners. 9. Learn names of wild plants and plant in pots for sale. 10. Roll newspapers up in logs, tie, dye and let dry...then sell (fireplace). 11. Cut up old shirts and dresses and make pot holders out of them and sell. 12. Cut square towels out of old tossed out clothes and sell as wiping rags. 13. Gather driftwood from the beach areas and sell to craft shops. 14. Paint old used wine bottles and sell as hand painted vases. 15. Go house to house and paint house numbers on curbs for a fee. 16. Take the lawn mower house to house and mow lawns for a fee. 17. Offer to dig or spade gardens for local neighbors for money. 18. Offer to sell fishing (earth) worms as bait - dig in garden to get the worms. 19. Paint house exteriors in spare hours. Charge prevailing rate. 20. Gather pine cones and sell to craft shops. 21. Turn pine cones into useful jewelry, etc. and sell to shops or houses. 22. Spray old building bricks gold, sell as "Fort Knox Rejects" 23. Paint bricks a vibrant enamel and sell as toilet bowl displacements. 24. Fill coffee cans full of plaster, paint all over and sell as door stops. 25. Gather vegetables from your garden and sell at road side stand. 27. Baby sit for profits. 28. House sit for vacationers, get extra by up keeping grounds. 29. Make fudge and sell house to house. 30. Do typing for fellow students or fellow workers for a fee. 31. Type menus for restaurants for a certain amount per menu. 32. Read books and do reports for a fee for students. 33. Research any subject (in library) for $25 a page. 34. Paint scrolls and designs on plates or make birthday plates, charge $19 each. 35. Teach people to do calisthenics, charge $2 an hour and have 10 at a time. 36. Teach dancing and charge $2 an hour, and have 10 at a time. 37. Learn to do juggling and clowning, put on shows for pay. 38. Rent out as a clown to birthday parties, affairs, etc. 39. Get good at telling jokes and rent out to night clubs. 40. Sing for money at night clubs. 41. Make crafts and sell them at road side yard stand. 42. Teach others to make crafts ($2 each) and have 10 at each class. 43. Bake fruit pies and sell house to house (or in stores at holidays). 44. Make Christmas wreaths during holiday season to sell, using discarded boughs from your own and neighbors Christmas trees. 45. Make Christmas candles from paraffin wax and sell at Christmas time. 46. Polish shoes for office workers by going to office once a day every day and charge 50 cents a shine - lawyers best bet here, Also see all accountants, clerks, insurance agents, etc.

         
    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.

         
    Mis 7

     

    THE 10 BEST WAYS YOU CAN HIDE YOUR VALUABLES Hiding your life's treasures under your pillow or mattress won't safeguard them from a thief. However, this doesn't mean that a safety deposit box at your bank is the only place for them. In fact, the traditional approach of keeping one's valuables in the home is an excellent idea, provided they are hidden in really secret places. The ten following ideas of where to locate a secret compartment will offer maximum security. The first five, because they do require some construction to the house, are better for people who own their own homes. The second five ideas can be effectively used by apartment dwellers or renters. 1. WALLS - because walls are hollow, there can be hidden space behind every wall in every room. - the ideal spots are behind solid, fixed items, like coat racks, or boards along closet walls supporting the clothes hanging pole. - remove the attachment and hollow out a compartment. - make sure you camouflage your handiwork well. 2. BEAMS - ceiling and wall beams are popular architectural features in homes. - make one of the false beams (one which doesn't offer much support) moveable, and hollow an opening out of its top or back side. 3. BASEBOARDS - one of the easiest-to-construct compartments is one behind a baseboard. These strips of wood that run along your walls next to the floor are so common, no thief would give them a second glance. - choose a short section of board, and carefully pry it away from the wall with a crowbar. - now hollow out a hole, and replace the baseboard. 4. PANELING - wall paneling offers a method of opening large areas of dead space - your best choice is behind actual boards nailed to the wall individually, not behind the four-by-eight sheets. 5. MIRRORS - for a compartment offering little depth, but a large area of space, you can construct a hollow right behind a full-length mirror on your closet door. - hollow out your compartment, then mount your mirror with sliding tabs. 6. FURNITURE - complicated secret spaces built into furniture have for centuries been favorites. - a simple approach is to remove the molding of a table or desk, and make a hollow. 7. BOOKCASE - a common source of easily overlooked space is found at the base of a bookcase. The lowest shelf is usually raised above the ground level several inches, and this space is enclosed with a base-molding. - if you can make the lowest shelf removable, you can attach your valuables to the underside of this shelf by means of magnets. 8. LIGHT SWITCH - an easy and highly deceptive secret space can be constructed behind an electric outlet plate or light switch plate. - make sure the electricity is shut off when you remove the plate to construct your hollow. 9. HOUSEPLANTS - secret compartments can be constructed in the base of your plant pots: this will be especially effective if you have lots of plants. - seal your valuables well in plastic if they can be water-damaged. 10. BURIED TREASURE - finally, don't overlook the oldest hiding technique in history, of burying your valuables underground. - make sure you have an accurate map of where your treasure is buried. For maximum security in hiding your valuables in your own home, make sure your craftsmanship is flawless. And don't reveal your hiding place to anyone out of your own family.

         
    Mis 8

     

    HOW TO FIND A MISSING PERSON The Methods Investigators Use in Their Work It is not always necessary to hire a private investigator to search for a missing person. In fact, the time consuming task of investigating a missing person can be done by almost anyone. As long as a person understands and follows the procedure provided herein, they can do the job of searching for a missing person as well as a hired detective. Before beginning, realize that you must maintain a detailed record of your investigation. Keep this and copies of any correspondence in a file. Begin your investigation at the point where the subject was last seen and radiate in ever-growing circles. When you come up with a solid lead, your search will then go only in one direction. Contact the subject's immediate family very early in your investigation. See if they have any ideas. From there you should contact your subject's closest friends and then the neighbors. Now widen your search further by questioning other associates of the subject, like the hairdresser, bartender, gas station attendant or newspaper boy. These people must not be overlooked as they are all sources of possible information. More than likely, when you have completed the task of speaking to all these people, you will have some good leads. But if you wish to further the investigation, use as many of the ten following sources as you need. POST OFFICE Send an envelope to the last known address of the missing person, with your own in the upper left corner and write on the envelope, DO NOT FORWARD - ADDRESS CORRECTION REQUESTED. If a forwarding address has been left, you will be notified of it. SUPERIOR COURT DOCKET By writing to the Court Clerk in the county in which the subject was last known to reside, you can find out if the subject was involved in any legal proceedings. There will be a small fee for the search. TELEPHONE RECORDS You can check with the telephone company to find out if the missing person made any long distance calls just prior to departure. You can check with the people called for any leads. DEPARTMENT OF MOTOR VEHICLES Request that a search of the department's files be done for the missing person' driver's license as well as his/her address. There will be a fee for this service and the missing person's full name and date of birth are required to conduct the search. CITY DIRECTORY Your local public library has a city directory which lists people by name, address and occupation. They also have a cross reference for phone numbers. Check back for several years,. VOTER REGISTRATION Voter registration records are open to the public and these records show name, address and date of registration. COUNTY RECORDER This county recorder records all types of legal documents, like marriage certificates and wills. A letter to this office may open up some leads. COUNTY ASSESSOR This office is in charge of tax collection. If your subject owns any property, he will be listed with this office. CITY BUSINESS LICENSE If your subject owns a business he will have his license on file with this office. Run a check on the name of the business and the subject's name. FRATERNAL ASSOCIATIONS If the missing person is a member of any type of organization, a letter of inquiry to the local chapter can be helpful. Under certain conditions, the Social Security Office will assist in locating a missing person. You must send a letter stating your reason for wanting to find a person to the Department of Health, Education & Welfare, Social Security Administration, Baltimore, Maryland. They do not assist insurance companies or bill collectors. By going through the right channels, you can conduct your own investigation for a missing person. Good luck and good hunting!

         
    Mis 9

     

    64 MECHANIC'S WAYS TO MAKE YOUR CAR LAST LONGER Every 2 weeks or 3,000 miles: 1. Check engine oil, transmission fluid and coolant. Once a month or 1,000 miles: 2. Check tire pressure - with tire gauge. 3. Check transmission fluid. 4. Check brake fluid. 5. Wax car (to protect finish). 6. Check belts and hoses. Every 3 months or 3,000 miles: 7. Change oil and oil filter (every 6 months or 3,000 miles). 8. Lubricate chassis. 9. Check transmission fluid. 10. Check all drive belts (fan belts) frayed or cracked belts. Every 6 months or 6,000 miles: 11. Change oil and filter (every 6 months or 3,000 miles). 12. Inspect suspension. 13. Rotate tires. Every 12 months or 12,000 miles: 14. Flush radiator, replace anti-freeze, check air conditioning system. 15. Replace air filters. 16. Lubricate chassis. Every 2 years or 24,000 miles. 17. Replace spark plugs (30,000 miles average suggested for unleaded gas) and PC valve. 18. Change automatic transmission fluid, filter and pan gasket. 19. Inspect brake linings. Every 3 years or 30,000 miles: 20. Check and test ignition wires (replace if needed). 21. Test cooling system and heating hoses (replace if needed). 22. Check drive belts (replace if needed). 23. Replace fluid in differential and manual transmission. Every 50,000 miles. 24. Check brake shoes (replace if needed) 25. If you have a major repair to do, it's wise to get at least 3 estimates, if possible, before you decide. 26. Read and follow your car owner's manual - it's your car's bible for making your car last longer. 27. Whether you are a man, woman, boy or girl, learn to do some routine maintenance on your car yourself. A multitude of books, videos, magazines and classes are available at your local library that will teach you for free if you don't know. Learn how to check your own oil, transmission fluid, tire pressure and coolant, etc. 28. If you find a good mechanic who you can trust, stick with him even if his prices are a bit higher - all things being equal. You'll always save time, money and aggravation in the long run. 29. Don't race or gun your engine when you start it up. Accelerate slowly and smoothly when your engine is cold. 30. Avoid burning rubber - it places excessive wear on the transmission, rear end, not to mention your tires. 31. An international tire company estimated that 33% of all tires on the road are under-inflated (low air). Under-inflated tires wear out quicker and have a tendency to blow out easier. 32. A garaged car lasts longer. A car port is next best, and a car cover is a distant third. 33. Avoid jackrabbit starts and stops. Stop and accelerate gradually. 34. Avoid tailgating, tire squealing turns, flying over speed bumps, pot holes and revving your engine. 35. When possible, avoid driving your car during rush hour stop and go traffic periods. 36. Keep front-end aligned, for longer tire life and better gas mileage. 37. Make sure you get promised repairs in writing including how much it will cost. 38. Avoid car dealers except to have highly specialized repairs done that can't be done properly anywhere else. 39. It's hard to be overcharged when you get three estimates before you have the work done. 40. Beware: Cheapest is not always the best. Normally, the best mechanics with the best equipment and training cost more. 41. Often mechanics that charge extremely low prices have inferior or out-dated equipment, little to no formal training or are under-insured. 42plex electrical problems are so involved that serious electrical work should be done in an "Auto Electric" shop. They have the equipment, tool and training to do the job more efficiently than the average mechanic. 43. If your car has "Cruise Control" use it. Using cruise control will save you 5% to 10% of a gallon of gas on long trips. 44. Avoid constantly pressing and releasing the accelerator when driving. This practise not only wastes fuel, but it puts excessive wear on the drive train of your car. 45. Don't ride your brake pedal, this wears out your brake linings pre-maturely, and wastes fuel. 46. Driving with your windows all the way down at higher speeds, will waste 10% more gallons of gasoline than driving with them closed. 47. Research by a major car manufacturer has revealed that neglect of proper routine maintenance is the number one reason for the enormous increase in car repairs being required. 48. Tires purchased at department stores such as Sears, Montgomery Wards, K-Mart etc., can be an excellent value because many are made by leading tire manufacturers. For a list of what manufacturer makes which tires for what department store, write to: Tire Information Center, P. O. Box 677, Syosset, NY 11791 49. When purchasing or changing tires, make sure you have them spin balanced. 50. Avoid cleaning your windshield with a dry rag or towel. Always dampen with water or some other cleaning liquid. Dry towels grind and scratch your windshield hindering your visibility. 51. Avoid turning on the car air-conditioning while running at highway speeds as this tends to put an immediate heavy load on your compressor and clutch. This could cause excessive wear and tear on these components. Instead turn your air conditioner on at car speeds below 25 to 30 m. p.h. This helps to preserve your expensive compressor. 52. Try to avoid running your car with the tank low on gas. Keeping a low tank of gas increases the chance of dirt, water/moisture and rust forming in your fuel system. Keeping a full tank decreases the chance of dirt and other foreign matter forming in your fuel system. 53. Tires driven at 70 m. p.h. wear out almost twice as fast as cars that go 50 m. p.h. 54. A government study has confirmed, the top three causes of car breakdowns while on the road are: (a) running out of gas (b) tire troubles (c) cooling system problems (overheating) 55. The best as well as the easiest ways to find a good car repair shop is by recommendation or referrals from satisfied customers. 56. To work on a late model computer-controlled engines, make sure the shop you choose has the equipment to handlecomputer-electric service/repair. Sophisticated diagnostic equipment is a must. 57. To choose the right repair shop for you, it's wise to have a small or minor maintenance or repair job done first to see how the repair shop and mechanic treat you and your car. 58. Give detailed description of your car's problem when you take it in for repairs. The more you can describe what your car is doing or not doing (thumping, squealing, clacking sound, etc.) the faster and less it will cost for your mechanic to fix it. 59. When in doubt about the cost of a repair or a mechanic's honesty get a second opinion. This is one of the best ways to protect yourself from being ripped-off until you can find a permanent repair shop. 60. Regular oil changes are the most important thing you can do to protect your engine and make it last longer. 61. If you have a manual transmission, downshift to slow your car down instead of using your brakes. This will save wear and tear on your braking system. 62. Each time you have your engine oil checked, have your transmission fluid checked also. 63. Protect your car's interior and make it last longer - park your car in the shade or place a windshield guard or cover in the windshield. 64. If you spill something inside your car, clean it up immediately before it dries. Delaying even 30 minutes can sometimes leave a permanent stain or spot. NOTE: To better protect your car seats have them treated with scotchguard. NOTE: According to current auto insurance statistics, the average U. S. car's useful life is 10 years or 100,000 miles. By following proper preventative maintenance you can often double your car's useful life, and spend less time visiting your local mechanic.

         
    Mis 10

     

    EIGHTY USES FOR OLD NEWSPAPER 1. use as umbrella when caught in rain 2. protect carseats from muddy or wet clothing 3. spread over outdoor benches to protect clothing 4. put into loose shoes to tighten 5. stuff in leather shoes to preserve shape 6. stuff in wet shoes overnight to dry and deorderize 7. crumple and place in suitcase for couple of weeks to remove stale odours 8. use as mat when polishing shoes 9. stuff hats to keep their shape 10. stuff leather handbags in storage 11. wrap around candle bottoms so they'll fit holders tighter 12. store records between sheets 13. use as padding under a table cloth 14. cover store windows when remodeling 15. cover furniture when away on vacation 16. cover furniture when sanding or painting 17. spread on floor underneath rug when shampooing 18. dampen and spread over window-panes before painting 19. use to dry and polish window after washing 20. dampen a bit and use to clean typewriter keys 21. make a hat when painting 22. fold to make a sheath for a knife 23. place in closed windows to eliminate wind rattle 24. stuff under doors and in cracks to stop cold wind from coming in 25. use as a bounce reflector when taking flash photographs or use to reflect sunlight into shadow areas. 26. place a sheet in jar tops to tighten loose lids 27. make unusual lamp shades 28. make dress patterns 29. protect table when children are painting or gluing 30. use as wallpaper for a doll house 31. make paper chains 32. make paper dolls 33. make paper mache handicrafts 34. make kites 35. make party hats 36. occupy children by letting them color and paint the cartoons 37. make a child's play tent 38. use to raise height of child at table 39. use as a stepstool 40. cut out articles and make a scrap book on a specific subject of interest to you. 41. emergency pot holder 42. use to remove heavy grease from oven 43. emergency dust pan 44. roll, secure in middle with elastic and fringe one end to use to get rid of cobwebs 45. start fires 46. use as a fan to make fires burn better 47. sharpen pencils by rubbing the point on newspaper 48. muffle a loud alarm clock 49. muffle the sound of a typewriter by using as a mat underneath 50. place under heavy objects on wooden tables 51. spread out between garden rows to discourage weeds 52. use to wrap greem tomatoes to ripen 53. cover plants during a frost 54. use as a knee pad when gardening or scrubbing floors 55. roll and use as a funnel 56. roll and use as a torch 57. roll and use as a megaphone outdoors 58. use folded sheets as a fan to keep cool 59. use as sun shade at spectator events 60. use as a mat for wet darkroom photographs 61. shred and stuff in vases to help support fresh flowers 62. put under car wheels when stuck in snow, mud or sand 63. line storage boxes 64. line bottom of bird cage 65. line shelves 66. line waste baskets 67. line a pet's sleeping box 68. swat flies with rolled up sheets 69. use to wipe paint brushes 70. use as mat for wet, muddy boots 71. shred and use for packing breakables 72. wrap and store Christmas tree ornaments 73. wrap around ice cream to keep frozen 74. roll around baby bottle to insulate 75. use as a blotter 76. put inside coat for emergency warmth 77. place on top of snow with bird feed on it 78. place on windshield to prevent icing 79. make a litter bag for your car 80. crumple (no colors) and place in plastic containers to eliminate odours

         
    Mis 11

     

    SIXTY USES OF SALT Although you may not realize it, simple table salt has a great number of uses other than simply seasoning your food. The following list will give you sixty uses of salt, many of which you probably didn't realize: 1. Soak stained hankies in salt water before washing. 2. Sprinkle salt on your shelves to keep ants away. 3. Soak fish in salt water before descaling; the scales will come off easier. 4. Put a few grains of rice in your salt shaker for easier pouring. 5. Add salt to green salads to prevent wilting. 6. Test the freshness of eggs in a cup of salt water; fresh eggs sink; bad ones float. 7. Add a little salt to your boiling water when cooking eggs; a cracked egg will stay in its shell this way. 8. A tiny pinch of salt with egg whites makes them beat up fluffier. 9. Soak wrinkled apples in a mildly salted water solution to perk them up. 10. Rub salt on your pancake griddle and your flapjacks won't stick. 11. Soak toothbrushes in salt water before you first use them; they will last longer. 12. Use salt to clean your discolored coffee pot. 13. Mix salt with turpentine to whiten you bathtub and toilet bowl. 14. Soak your nuts in salt brine overnight and they will crack out of their shells whole. Just tap the end of the shell with a hammer to break it open easily. 15. Boil clothespins in salt water before using them and they will last longer. 16. Clean brass, copper and pewter with paste made of salt and vinegar, thickened with flour 17. Add a little salt to the water your cut flowers will stand in for a longer life. 18. Pour a mound of salt on an ink spot on your carpet; let the salt soak up the stain. 19. Clean you iron by rubbing some salt on the damp cloth on the ironing surface. 20. Adding a little salt to the water when cooking foods in a double boiler will make the food cook faster. 21. Use a mixture of salt and lemon juice to clean piano keys. 22. To fill plaster holes in your walls, use equal parts of salt and starch, with just enough water to make a stiff putty. 23. Rinse a sore eye with a little salt water. 24. Mildly salted water makes an effective mouthwash. Use it hot for a sore throat gargle. 25. Dry salt sprinkled on your toothbrush makes a good tooth polisher. 26. Use salt for killing weeds in your lawn. 27. Eliminate excess suds with a sprinkle of salt. 28. A dash of salt in warm milk makes a more relaxing beverage. 29. Before using new glasses, soak them in warm salty water for awhile. 30. A dash of salt enhances the taste of tea. 31. Salt improves the taste of cooking apples. 32. Soak your clothes line in salt water to prevent your clothes from freezing to the line; likewise, use salt in your final rinse to prevent the clothes from freezing. 33. Rub any wicker furniture you may have with salt water to prevent yellowing. 34. Freshen sponges by soaking them in salt water. 35. Add raw potatoes to stews and soups that are too salty. 36. Soak enamel pans in salt water overnight and boil salt water in them next day to remove burned-on stains. 37. Clean your greens in salt water for easier removal of dirt. 38. Gelatin sets more quickly when a dash of salt is added. 39. Fruits put in mildly salted water after peeling will not discolor. 40. Fabric colors hold fast in salty water wash. 41. Milk stays fresh longer when a little salt is added. 42. Use equal parts of salt and soda for brushing your teeth. 43. Sprinkle salt in your oven before scrubbing clean. 44. Soaked discolored glass in a salt and vinegar solution to remove stains. 45. Clean greasy pans with a paper towel and salt. 46. Salty water boils faster when cooking eggs. 47. Add a pinch of salt to whipping cream to make it whip more quickly. 48. Sprinkle salt in milk-scorched pans to remove odour. 49. A dash of salt improves the taste of coffee. 50. Boil mismatched hose in salty water and they will come out matched. 51. Salt and soda will sweeten the odor of your refrigerator. 52. Cover wine-stained fabric with salt; rinse in cool water later. 53. Remove offensive odors from stove with salt and cinnamon. 54. A pinch of salt improves the flavor of cocoa. 55. To remove grease stains in clothing, mix one part salt to four parts alcohol. 56. Salt and lemon juice removes mildew. 57. Sprinkle salt between sidewalk bricks where you don't want grass growing. 58. Polish your old kerosene lamp with salt for a brighter look. 59. Remove odors from sink drainpipes with a strong, hot solution of salt water. 60. If a pie bubbles over in your oven, put a handful of salt on top of the spilled juice. The mess won't smell and will bake into a dry, light crust which will wipe off easily when the oven has cooled.

         
    Mis 12

     

    SIXTY USES OF VINEGAR 1. Arthritis tonic and treatment; 2 spoonfuls of apple cider vinegar and honey in a glass of water several times daily. 2. Thirst-quenching drink: apple cider vinegar mixed with cold water. 3. Sagging cane chairs: sponge them with a hot solution of half vinegar and half water. Place the chairs out in the hot sun to dry. 4. Skin burns: apply ice cold vinegar right away for fast relief. Will prevent burn blisters. 5. Add a spoonful of vinegar to cooking water to make cauliflower white and clean. 6. Storing cheese: keep it fresh longer by wrapping it in a vinegar-soaked cloth and keeping it in a sealed container. 7. Remove stains from stainless steel and chrome with a vinegar-dampened cloth. 8. Rinse glasses and dishes in water and vinegar to remove spots and film. 9. Prevent grease build-up in your oven by frequently wiping it with vinegar. 10. Wipe jars of preserves and canned food with vinegar to prevent mold-producing bacteria. 11. To eliminate mildew, dust and odors, wipe down walls with vinegar-soaked cloth. 12. Clean windows with vinegar and water. 13. Hardened paint brushes: simmer in boiling vinegar and wash in hot soapy water. 14. Clean breadbox and food containers with vinegar-dampened cloth to keep fresh-smelling and clean. 15. Pour boiling vinegar down drains to unclog and clean them. 16. Clean fireplace bricks with undiluted vinegar. 17. An excellent all-purpose cleaner: vinegar mixed with salt. Cleans copper, bronze, brass, dishes, pots, pans, skillets, glasses, windows. Rinse well. 18. Make your catsup and other condiments last long by adding vinegar. 19. To clear up respiratory congestion, inhale a vapor mist from steaming pot containing water and several spoonfuls of vinegar. 20. Apple cider vinegar and honey as a cure-all: use to prevent apathy, obesity, hay fever, asthma, rashes, food poisoning, heartburn, sore throat, bad eyesight, dandruff, brittle nails and bad breath. 21. When boiling eggs, add some vinegar to the water to prevent white from leaking out of a cracked egg. 22. When poaching eggs, add a teaspoon of vinegar to the water to prevent separation. 23. Weight loss: vinegar helps prevent fat from accumulating in the body. 24. Canned fish and shrimp: to give it a freshly caught taste, soak in a mixture of sherry and 2 tablespoons of vinegar. 25. Add a spoonful of vinegar when cooking fruit to improve the flavor. 26. Soak fish in vinegar and water before cooking for a tender, sweeter taste. 27. Add vinegar to boiling ham to improve flavor and cut salty taste. 28. Improve the flavor of desserts by adding a touch of vinegar. 29. Add vinegar to your deep fryer to eliminate a greasy taste. 30. Add a tablespoon of vinegar to fruit gelatin to hold it firm. 31. Steep your favorite herb in vinegar until you have a pleasing taste and aroma. 32. Use vinegar instead of lemon on fried and broiled foods. 33. To remove lime coating on your tea kettle; add vinegar to the water and let stand overnight. 34. To make a good liniment: beat 1 whole egg, add 1 cup vinegar and 1 cup turpentine. Blend. 35. Apply vinegar to chapped, cracked skin for quick healing. 36. Vinegar promotes skin health: rub on tired, sore or swollen areas. 37. Reduce mineral deposits in pipes, radiators, kettles and tanks by adding vinegar into the system. 38. Rub vinegar on the cut end of uncooked ham to prevent mold. 39. Clean jars with vinegar and water to remove odor. 40. Avoid cabbage odor by adding vinegar to the cooking water. 41. Skunk odor: remove from pets by rubbing fur with vinegar. 42. Paint adheres better to galvanized metal that has been wiped with vinegar. 43. Pets' drinking water: add vinegar to eliminate odor and encourage shiny fur. 44. For fluffy meringue: beat 3 egg whites with a teaspoon of vinegar. 45. Pie crust: add 1 tablespoon vinegar to your pastry recipe for an exceptional crust. 46. Half a teaspoon per quart of patching plaster allows you more time to work the plaster before it hardens. 47. Prevent discoloration of peeled potatoes by adding a few drops of vinegar to water. They will keep fresh for days in fridge. 48. Poultry water: add vinegar to increase egg production and to produce tender meat. 49. Preserve peppers: put freshly picked peppers in a sterilized jar and finish filling with boiling vinegar. 50. Olives and pimentos will keep indefinitely if covered with vinegar and refrigerated. 51. Add 1 tsp. vinegar to cooking water for fluffier rice. 52. Add vinegar to laundry rinse water: removes all soap and prevents yellowing. 53. After shampoo hair rinse: 1 ounce apple cider vinegar in 1 quart of distilled water. 54. For a shiny crust on homemade bread and rolls: just before they have finished baking, take them out, brush crusts with vinegar, return to oven to finish baking. 55. Homemade sour cream: blend together 1 cup cottage cheese, 1/4 cup skim milk and 1 tsp. vinegar. 56. Boil vinegar and water in pots to remove stains. 57. Remove berry stains from hands with vinegar. 58. Prevent sugaring by mixing a drop of vinegar in the cake icing. 59. Cold vinegar relieves sunburn. 60.When boiling meat, add a spoonful of vinegar to the water to make it more tender. Bonus: 61. Marinate tough meat in vinegar overnight to tenderize. 62. A strength tonic: combine raw eggs, vinegar and black pepper. Blend well. 63. Douche: 2 to 4 ounces of vinegar in 2 quarts of warm water.

         
    Mis 13

     

    SIXTY USES OF BAKING SODA Bicarbonate of soda or baking soda has many different uses in the household. Although much more expensive products have been developed over the years to do the same jobs, baking soda can work for you just as well, if not better. Use it in the following ways: 1. To make your own baking powder, stir and sift together 2 parts of Cream of Tartar to 1 part baking soda and 1 part cornstarch. 2. Be sure to keep an extra box of baking soda by your stove in case of grease or electrical fire. Scatter the powder by the handful to safely put it out. 3. Keep a container of baking soda in your garage as well as in your car to put out a fire. It won't damage anything it touches. 4. Baking soda will also put out fires in clothing, fuel, wood, upholstery and rugs. 5. Clean vegetables and fruit with baking soda. Sprinkle in water, soak and rise the produce. 6. Wash garbage cans with baking soda. 7. Soak and wash diapers with baking soda. 8. Oil and grease - stained clothing washes out better with soda added to the washing water. 9. Clean your fridge and freezer with dry soda sprinkled on a damp cloth. rinse with clear water. 10. Deodorize your fridge and freezer by putting in an open container of baking soda to absorb odors. Stir and turn over the soda from time to time. Replace every 2 months. 11. Soda absorbs kitty litter odors. Cover the bottom of the kitty box with 1 part soda; then add a layer of 3 parts kitty litter on top. 12. Always add 1/2 cup soda to your washing machine load. 13. Clean combs and brushes in a soda solution. 14. Wash food and drink containers with soda and water. 15. Wash marble-topped furniture with a solution of 3 tablespoons of soda in 1 quart of warm water. Let stand awhile, then rinse. 16. Clean formica counter tops with baking soda on a damp sponge. 17. Wash out thermos bottles and cooling containers with soda and water to get rid of stale smells. 18. To remove stubborn stains from marble, formica or plastic surfaces, scour with a paste of soda and water. 19. Wash glass or stainless steel coffee pots (but not aluminum) in a soda solution ( 3 tbsp. soda to 1 quart water). 20. Run you coffee maker through its cycle with a soda solution. Rinse. 21. Give baby bottles a good cleaning with soda and hot water. 22. Sprinkle soda on barbecue grills, let soak, then rinse off. 23. Sprinkle soda on greasy garage floor. Let stand, scrub and rinse. 24. Polish silverware with dry soda on a damp cloth. Rub, rinse and dry. 25. For silver pieces without raised patterns or cemented-on handles: place the silver on aluminum foil in an enamel pot. Add boiling water and 4 tbsp. baking soda. Let stand, rinse and dry. 26. Reduce odor build-up in your dishwasher by sprinkling some soda on the bottom. 27. Run your dishwasher through its cycle with soda in it instead of soap to give it a good cleaning. 28. To remove burned-on food from a pan: let the pan soak in soda and water for 10 minutes before washing. Or scrub the pot with dry soda and a moist scouring pad. 29. For a badly-burned pan with a thick layer of burned-on food: pour a thick layer of soda directly onto the bottom of the pan, then sprinkle on just enough water so as to moisten the soda. Leave the pot overnight, then scrub it clean next day. 30. Rub stainless steel and chrome with a moist cloth and dry baking soda to shine it up. Rinse and dry. On stainless steel, scrub in the direction of the grain. 31. Clean plastic, porcelain and glass with dry soda on a damp cloth. Rinse and dry. 32. Remove that bad smell from ashtrays with soda and water. 33. Sprinkle a bit of dry soda in your ashtrays to prevent smoldering and reduce odor. 34. Clean your bathroom with dry soda on a moist sponge - sink, tub, tiles, shower stall, etc. 35. Keep your drains clean and free-flowing by putting 4 tablespoons of soda in them each week. Flush the soda down with hot water. 36. Soak your shower curtains in water and soda to clean them. 37. To remove strong odors from your hands, wet your hands and rub them hard with soda, then rinse. 38. Sprinkle baking soda on your wet toothbrush and brush your teeth and dentures with it. 39. Sprinkle soda in tennis shoes, socks, boots and slippers to eliminate odor. 40. Add 1/2 cups or more of baking soda to your bath water to soften your skin. 41. Putting 2 tbsp. of baking soda in your baby's bath water will help relieve diaper rash irritations. 42. Apply soda directly to insect bites, rashes and poison ivy to relieve discomfort. Make a paste with water. 43. Take a soda bath to relieve general skin irritations such as measles and chicken pox. 44. Take 1/2 teaspoon of baking soda in 1/2 glass of water to relieve acid indigestion or heartburn. 45. Gargle with 1/2 tsp. baking soda in 1/2 glass of water. Freshens and cleans your mouth. 46. Used as a mouthwash, baking soda will also relieve canker sore pain. 47. To relieve sunburn: use a paste of baking soda and water. 48. Bug bites: use a poultice of baking soda and vinegar. 49. Bee sting: use a poultice of baking soda and water. 50. Windburns: moisten some baking soda and apply directly. 51. Making Play Clay with baking soda: combine 1 1/4 cups water, 2 cups soda, 1 cup cornstarch. 52. Use soda as an underarm deodorant. 53. If your baby spits up on his shirt after feeding, moisten a cloth, dip it in baking soda and dab at the dribbled shirt. Tho odor will go away. 54. When scalding a chicken, add 1 tsp. of soda to the boiling water. The feathers will come off easier and flesh will be clean and white. 55. Repel rain from windshield. Put gobs of baking soda on a dampened cloth and wipe windows inside and out. 56. Add to water to soak dried beans to make them more digestible. 57. Add to water to remove the "gamey" taste from wild game. 58. Use to sweeten sour dishcloths. 59. Use dry with a small brush to rub canvas handbags clean. 60. Use to remove melted plastic bread wrapper from toaster. Dampen cloth and make a mild abrasive with baking soda.

         
    3401

     

    HOW TO REORGANIZE YOUR TIME TO ACCOMMODATE A HOME-BASED BUSINESS Almost everyone needs or wants more money coming in, and with this desire most would like to start some sort of extra income producing project. The trouble is, not many of these people seem able to fit "a second job" into their time schedules. It's true that most people are busy, but extra time for some sort of home-based extra income producing project can almost always be found. It may mean giving up or changing a few of your favorite pastimes--such as having a couple of beers with the guys or watching TV--but if you score big with your extra income project, you will have all the time you want for doing whatever you what to do. Efficient time management boils down to planning what you're going to do, and then doing it without backtracking. Start by making a list of the things you want to do tomorrow, each evening before you go to bed. Schedule your trips to the store or wherever to coincide with the other things you have to do, and with your trips to or from work. Organize your trips to take care of as many things as possible while you're out of the house. take stock of the time you spend on the telephone---and eliminate all that isn't necessary. Whatever chores you have to do at home, set aside a specific time to do them, and a specific amount of time to devote to them. For instances, just one hour a day devoted to yard work would probably make your property the envy of all your neighbors. Don't try to do a week's work in one big flurry. Whether it's painting your house, fixing leaky faucets, or mowing your lawn and trimming your shrubs, do a part of it, or one particular job each day, and you'll be amazed at your progress. Take care of all your mail the day, you receive it. Don't let those bills and letters pile up on you. If you're unable to pay a bill immediately, file it in a special place that's visible, and note on the envelope the date you intend to pay it. Answer your letters the same day you get them. Once you start listing and planning what to do, and then carry out your plans, you'll find plenty of "extra time" for handling virtually any kind of home-based income producing project. People in general may not like routines or schedules, but without some sort of plan as to what is supposed to be done, the world would be mired in mass confusion. Laws, ordinances and regulations are for the purpose of guiding people. We live according to an accepted plan or way of life, and the better we can organize ourselves, the more productive and happy we become. The secret of all financially successful people is simply that they are organized and do not waste time. Think about it. Review your own activities, and then see if you can't find a couple of extra hours in each day for more constructive accomplishments. When you begin planning, and then when you really become involved in an extra income producing endeavor, you should work it exactly as you have organized your regular day-to-day activities---on a time basis. Do what has to be done immediately. Don't try to get done in a hour something that's realistically going to take a week. Plan out on paper what you have to do--what you want to do--and when you are going to do it. Then get right on each project without procrastination. Finally, and above all else, when you're organizing your time and your business, be sure to set aside some time for relaxation. Be sure to schedule time when you and your spouse can be together. You must not involve yourself to an extent that you exclude other people--particularly your loved ones--from your life. Taking stock of the time you waste each day, and from there, reorganizing your activities is what it's all about. It's a matter of becoming more efficient in the use of your time. It's really easy to do, and you will not only accomplish a lot more, you will also find greater fulfillment in your life.

         
    3402

     

    HOW TO RAISE MONEY FOR STARTING A BUSINESS The task of raising money for a business is not as difficult as most people seem to think. This is especially true when you have an idea that can make you and your backers rich. Actually, there's more money available for new business ventures than there are good business ideas. A very important rule of the game to learn: Any time you want to raise money, your first move should be to put together a proper prospectus. This prospectus should include a resume of your background, your education, training, experience and any other personal qualities that might be counted as an asset to your potential success. It's also a good idea to list the various loans you've had in the past, what they were for, and your history in paying them off. You'll have to explain in detail how the money you want is going to be used. If it's for an existing business, you'll need a profit and loss record for at least the preceding six months, and a plan showing how this additional money will produce greater profits. If it's a new business, you'll have to show your proposed business plan, your marketing research and projected costs, as well as anticipated income figures, with a summary for each year, over at least a three year period. It'll be advantageous to you to base your cost estimates high, and your income projections on minimal returns. This will enable you to "ride through" those extreme "ups and downs" inherent in any beginning business. You should also describe what makes your business unique---how it differs form your competition and the opportunities for expansion or secondary products. This prospectus will have to state precisely what you're offering the investor in return for the use of his money. He'll want to know the percentage of interest you're willing to pay, and whether monthly, quarterly or on an annual basis. Are you offering a certain percentage of the profits? A percentage of the business? A seat on your board of directories? An investor uses his money to make more money. He wants to make as much as he can, regardless whether it's short term or long term deal. In order to attract him, interest him, and persuade him to "put up" the money you need, you'll not only have to offer him an opportunity for big profits, but you'll have to spell it out in detail, and further, back up your claims with proof from your marketing research. Venture investors are usually quite familiar with "high risk" proposals, yet they all want to minimize that risk as much as possible. Therefore, your prospectus should include a listing of your business and personal assets with documentation---usually copies of your tax returns for the past three years or more. Your prospective investor may not know anything about you or your business, but if he wants to know, he can pick up his telephone and know everything there is to know within 24 hours. The point here is, don't ever try to "con" a potential investor. Be honest with him. Lay all the facts on the table for him. In most cases, if you've got a good idea and you've done your homework properly, and "interested investor" will understand your position and offer more help than you dared to ask. When you have your prospectus prepared, know how much money you want, exactly how it will be used, and how you intend to repay it, you're ready to start looking for investors. As simple as it seems, one of the easiest ways of raising money is by advertising in a newspaper or a national publication featuring such ads. Your ad should state the amount of money you want--always ask for more money than you have room for negotiating. Your ad should also state the type of business involved ( to separate the curious from the truly interested), and the kind of return you're promising on the investment. Take a page from the party plan merchandisers. Set up a party and invite your friends over. Explain your business plan, the profit potential, and how much you need. Give them each a copy of your prospectus and ask that they pledge a thousand dollars as a non-participating partner in your business. Check with the current tax regulations. You may be allowed up to 25 partners in Sub Chapter S enterprises, opening the door for anyone to gather a group of friends around himself with something to offer them in return for their assistance in capitalizing his business. You can also issue and sell up to $300,000 worth of stock in your company without going through the Federal Trade Commission. You'll need the help of an attorney to do this, however, and of course a good tax accountant as well wouldn't hurt. It's always a good idea to have an attorney and an accountant help you make up your business prospectus. As you explain your plan to them, and ask for their advice, casually ask them if they'd mind letting you know of, or steer your way any potential investors they might happen to meet. Do the same with your banker. Give him a copy of your prospectus and ask him if he'd look it over and offer any suggestions for improving it, and of course, let you know of any potential investors. In either case, it's always a good idea to let them know you're willing to pay a "finder's fee" if you can be directed to the right investor. Professional people such as doctors and dentists are known to have a tendency to join occupational investment groups. The next time you talk with your doctor or dentist, give him a prospectus and explain your plan. He may want to invest on his own or perhaps set up an appointment for you to talk with the manager of his investment group. Either way, you win because when you're looking for money, it's essential that you get the word out as many potential investors as possible. Don't overlook the possibilities of the Small Business Investment Companies in your area. Look them up in your telephone book under "Investment Services." These companies exist for the sole purpose of lending money to businesses which they feel have a good chance of making money. In many instances, they trade their help for a small interest in your company. Many states have Business Development Commissions whose goal is to assist in the establishment and growth of new businesses. Not only do they offer favorable taxes and business expertise, most also offer money or facilities to help a new business get started. Your Chamber of Commerce is the place to check for further information of this idea. Industrial banks are usually much more amenable to making business loans than regular banks, so be sure to check out these institutions in your area. insurance companies are prime sources of long term business capital, but each company varies its policies regarding the type of business it will consider. Check your local agent for the name and address of the person to contact. It's also quite possible to get the directories of another company to invest in your business. Look for a company that can benefit from your product or service. Also, be sure to check at your public library for available foundation grants. These can be the final answer to all your money needs if your business is perceived to be related to the objectives and activities of the foundation. Finally, there's the Money broker or Finder. These are the people who take your prospectus and circulate it with various known lenders or investors. They always require an up-front or retainer fee, and there's no way they can guarantee to get you the loan or the money you want. There are many very good money brokers, and there are some that are not so good. They all take a percentage of the gross amount that's finally procured for your needs. The important thing is to check them out fully; find out about the successful loans or investment plans they're arranged, and what kind of investor contacts they have---all of this before you put up any front money or pay any retainer fees. There are many ways to raise money---from staging garage sales to selling stocks. Don't make the mistake of thinking that the only place you can find the money you need is through the bank or finance company. Start thinking about the idea of inviting investors to share in your business as silent partners. Think about the idea of obtaining financing for a primary business by arranging financing for another business that will support the start-up, establishment and developing of the primary business. Consider the feasibility of merging with a company that's already organized, and with facilities that are compatible or related to your needs. Give some thought to the possibilities of getting the people supplying your production equipment to co-sign the loan you need for start-up capital. Remember, there are thousands upon thousands of ways to obtain business start-up capital. This is truly the age of creative financing. Disregard the stories you hear of "tight money," and start making phone calls, talking to people, and making appointments to discuss your plans with the people who have money invest. There's more money now than there's ever been for a new business investment. The problem is that most beginning "business builders" don't know what to believe or which way to turn for help. They tend to believe the stories of "tight money," and they set aside their plans for a business of their own until a time when start-up money might be easier to find. The truth is this: Now is the time to make your move. Now is the time to act. the person with a truly viable business plan, and determination to succeed, will make use of every possible idea that can be imagined. And the ideas I've suggested here should serve as just a few of the unlimited sources of monetary help available and waiting for you!

         
    3403

     

    LEGALITIES & TAX ADVANTAGES IN A HOME BUSINESS Every year, several thousand people develop an interest in "going into business." Many of these people have an idea, a product or a service they hope to promote into an income producing business which they can operate from their homes. If you are one of these people, here are some practical thoughts to consider before hanging out the "Open for Business" sign. In areas zoned "Residential Only," your proposed business could be illegal. In many areas, zoning restrictions rule out home businesses involving the coming and going of many customers, clients or employees. Many businesses that sell or even store anything for sale on the premises also fall into this category. Be sure to check with your local zoning office to see how the ordinances in your particular area may affect your business plans. You may need a special permit to operate your business from your home; and you may find that making small changes in your plan will put you into the position of meeting zoning standards. Many communities grant home occupation permits for businesses involve typing, sewing, and teaching, but turn thumbs down on requests from photographers, interior decorators and home improvement businesses to be run from the home. And often, even if you are permitted to use your home for a given business, there will be restrictions that you may need to take into consideration. By all means, work with your zoning people, and save yourself time, trouble and dollars. One of the requirements imposed might be off street parking for your customers or patrons. And, signs are generally forbidden in residential districts. If you teach, there is almost always a limit on the number of students you may have at any one time. Obtaining zoning approval for your business, then, could be as simple as filling out an application, or it could involve a public hearing. The important points the zoning officials will consider will center around how your business will affect the neighborhood. Will it increase the traffic noticeably on your street? Will there be a substantial increase in noise? And how will your neighbors feel about this business alongside their homes? To repeat, check into the zoning restrictions, and then check again to determine if you will need a city license. If you're selling something, you may need a vendor's license, and be required to collect sales taxes on your transactions. The sale tax requirement would result in the need for careful record keeping. Licensing can be an involved process, and depending upon the type of business, it could even involve the inspection of your home to determine if it meets with local health and building and fire codes. Should this be the case, you will need to bring your facilities up to the local standards. Usually this will involve some simple repairs or adjustments that you can either do personally, or hire out to a handyman at a nominal cost. Still more items to consider: Will your homeowner's insurance cover the property and liability in your new business? This must definitely be resolved, so be sure to talk it over with your insurance agent. Tax deductions, which were once one of the beauties of engaging in a home business, are not what they once were. To be eligible for business related deductions today, you must use that part of your home claimed EXCLUSIVELY AND REGULARLY as either the principal location of your business, or place reserved to meet patients, clients or customers. An interesting case in point: if you use your den or a spare bedroom as the principal place of business, working there from 8:00 to 5:00 every day, but permit your children to watch TV in that room during evening hours, the IRS dictates that you cannot claim a deduction for that room as your office or place of business. There are, however, a couple of exceptions to the "exclusive use" rule. One is the storage on inventory in your home, where your home is the location of your trade or business, and your trade or business is the selling of products at retail or wholesale. According to the IRS, such storage space must be used on a REGULAR Basis, and be separately identifiable space. Another exception applies to daycare services that are provided for children, the elderly, or physically or mentally handicapped. This exception applies only if the owner of the facility complies with the state laws for licensing. To be eligible for business deductions, your business must be an activity undertaken with the intent of making profit. It's presumed you meet this requirement if your business makes a profit in any two years of a five-year period. Once you are this far along, you can deduct business expenses such as supplies, subscriptions to professional journals, and an allowance for the business use of your car or truck. You can also claim deductions for home related business expenses such as utilities, and in some cases, even a new paint job for your home. The IRS is going to treat the part of your home you use for business as though it were a separate piece of property. This means that you'll have to keep good records and take care not to mix business and personal matters. No specific method of record keeping is required, but your records must clearly justify and deductions you claim. You can begin by calculating what percentage of the house is used for business, Either by number of rooms or by area in square footage. Thus, if you use one of the five rooms for your business, the business portion is 20 percent. If you run your business out of a room that's 10 by 12 feet, and the total area of your home is 1,200 square feet, the business space factor is 10 percent. An extra computation is required if your business is a home day care center. This is one of the exempted activities in which the exclusive use rule doesn't apply. Check with your tax preparer and the IRS for an exact determination. If you're a renter, you can deduct the part of your rent which is attributable to the business share of your house or apartment. Homeowners can take a deduction based on the depreciation of the business portion of their house. There is a limit to the amount you can deduct. This is the amount equal to the gross income generated by the business, minus those home expenses you could deduct even if you weren't operating a business from your home. As an example, real estate taxes and mortgage interest are deductible regardless of any business activity in your home, so you must subtract from your business gross income the percentage that's allocable to the business portion of your home. You thus arrive at the maximum amount for home-related business deductions. If you are self-employed, you claim your business deductions on SCHEDULE C, PROFIT(or LOSS) for BUSINESS OR PROFESSION. The IRS emphasizes that claiming business-at-home deductions does not automatically trigger an audit on your tax return. Even so, it is always wise to keep meticulously within the proper guidelines, and of course keep detailed records if you claim business related expenses when you are working out of your home. You should discuss this aspect of your operation with your tax preparer or a person qualified in the field of small business tax requirements. If your business earnings aren't subject to withholding tax, and your estimated federal taxes are $100 or more, you'll probably be filing a Declaration of Estimated Tax, Form 1040 ES. To complete this form, you will have to estimate your income for the coming year and also make a computation of the income tax and self-employed tax you will owe. The self-employment taxes pay for Social Security coverage. If you have a salaried job covered by Social Security, the self-employment tax applies only to that amount of your home business income that, when added to your salary, reaches the current ceiling. When you file your Form 1040-ES, which is due April 15, you must make the first of four equal installment payments on your estimated tax bill. Another good way to trim taxes is by setting up a Keogh plan or an Individual Retirement Account. With either of these, you can shelter some of your home business income from taxes by investing it for your retirement.

         
    3404

     

    HOW TO START A 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.

         
    3405

     

    SURVIVAL TIPS FOR SMALL BUSINESSES You may be in Mail Order, Direct Mail, or you may be a local merchant with 150 employees; whichever, however or whatever---you've got to know how to keep your business alive during economic recessions. Anytime the cash flow in a business, large or small, starts to tighten up, the money management of that business has to be run as a "tight ship." Some of the things you can and should do include protecting yourself from expenditures made on sudden impulse. We've all bought merchandise or services we really didn't need simply because we were in the mood, or perhaps in response to the flamboyancy of the advertising or the persuasiveness of the salesperson. Then we sort of "wake up" a couple of days later and find that we've committed hundreds of dollars of business funds for an item or service that's not essential to the success of our own business, when really pressing items had been waiting for those dollars. If you are incorporated, you can eliminate these "impulse purchases" 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. 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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