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When you're doing research or looking for information on a
particular subject, it's a lot like a detective checking all his
possible clues. The important thing is knowing who and where your
sources are.

In almost all instances, your first move should be to your
encyclopedia. if you don't have an up-to-date set, there's always
your public library.

Most of the time, and encyclopedia will give you at least the
general facts about your subject. You may have to check other
sources for more detailed information.

Thus, your next move should be books that have been written on
the subject. The subject and title sections of the card catalog
or the bound volumes of computer printouts in most public
libraries will give you plenty of listings.

After you've selected a number of books for background
information, check the magazines either directly related to your
subject, or those carrying articles on the subject. Most of the
time, you'll find that magazines will provide you with more
up-to-date timely information than books.

To check out information on your subject in magazines, look in
the Reader's Guide to Periodical Literature. Under subject and
author headings, the complete collection of this guide will list
articles printed in magazines since the turn of the century. The
Suggestions For Use section will instruct you on how to read the
codes under each heading. If you can't find your subject listed,
think of similar subjects that might be related.

If your subject is part of a particular field of study, there may
be a special index that will help you. Among these special
indexes, you'll find: Art Index, Business Periodicals Index,
Consumers Index, Education Index, Humanities Index, Social
Science Index, Biological and Agricultural Index, and Applies
Sciences and Technology Index. You'll even find a Popular
Periodicals Index which lists articles that have appeared in
currently popular magazines.

You'll also find that most newspapers are veritable goldmines of
reference material. Most of the big city newspapers have
computerized indexes. Several of the special national newspapers
such as Wall Street Journal also have reference indexes.

Without a doubt, the New York Times Index is the most complete.
In these newspaper indexes, subjects and people are listed
alphabetically with the date, page number, and usually with the
number of columns devoted to that particular story. About all you
have to do to avail yourself of this information is to stop by
the newspaper office, tell them the kind of information you're
looking for, and ask their help in locating it within their
index.

FACTS ON FILE: is a world news digest that's found at most public
libraries. This is a weekly publication that's broken down into
four categories; World Affairs, U.S Affairs, Other Nations, and
Miscellaneous.

EDITORIALS ON FILE: is a similar service that comes out twice
each month. It is a survey of newspaper editorials than span a
wide range of subjects.

If you want to known about business trends, you should ask for
and look at the Moody's reports. These cover banking and finance,
industry and public utilities.

Most large libraries also keep pamphlet files for brochures from
various information services and government agencies. Be sure to
ask about these.

Whenever you have a question or want more information on a
subject, always check first in the material that has been written
about it. Public libraries and newspapers are free, and will
definitely point you in the right direction even if you don't
know much about sources.

One of the best sources of information is people. Ask around and
more often than not, you'll find someone right in your own area
who is well versed on your subject. An introductory phone call
and an explanation as why you're researching the subject will
almost always lead you to many people who'll be glad to talk with
you.

Interviewing and talking with people will give you the chance to
ask questions and hear specific explanations about details that
may not be fully covered in a book, newspaper or other
publication.

Researching and gathering information on a particular subject can
be fun, exciting, and very informative. It will never be dull or
boring. The important thing is to search out all the available
sources, and then to take advantage of them. From there, you'll
find it's very much like putting a jigsaw puzzle together; the
closer you get to completing the picture, the more excited you
become.

Many people find that when they begin a research project on a
specific subject, they quickly uncover so many interesting
related subjects that it's hard to confine their enthusiasm to
just the one subject. This is what learning is all about,
regardless of the use you eventually make of the informative you
gather. The more you learn, the more you want to learn.

Curiosity about all things, and good, basic research are the
prime requisites for any successful writer. To have read about or
experienced only a few aspects of a given subject won't interest
very many people. What the people want is a thorough discussion
of the subject from as many different points of view as possible.
This, of course, requires research, and to do research, you have
to know where to find the material you want.

Hopefully, we've "turned you own" with the idea that the
information you're interested in is available and virtually at
your fingertips. All it takes is just a bit of effort on your
part to avail yourself of it. Just remember, whatever has been
thought of or dreamed of by man since the reasonable amount of
searching.

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This is a very lucrative business, and it's growing in demand and
popularity. There are thousands of people in all parts of the
world who are making hundreds of dollars each week, just reading
and clipping news item in the privacy of their own homes!

The press-clipping business is very much misunderstood by most
people, and therefor there are a lot of people who are very
skeptical about it as a way for ordinary people to make extra
money at home. If you explain to friends or neighbors that you
operate a press clipping business, most of them will think you
pore through the obituaries, funeral notices, ad wedding
announcements. Clipping these out and sending them to people or
relatives of the people being written about.

In reality, this is but a very small part of the home-based
newspaper clipping service. The really successful press clipping
services have contracts with companies and organizations that
want to keep current on any number of matters reported in the
papers.

Some companies hire clipping services in order to keep track of
what their competitors are doing. Other companies, including
businesses of all kinds, use clipping services as a means of
locating sales leads and new customers. National magazines and
newspapers are a;ways in ned of different or interesting
material, and frequently employ home-based clipping services.

To set yourself up in this kind of business, you'll need only a
pair of scissors and as many different newspapers and magazines
as you can subscribe to. A visit to your local public library
should be most informative relative to newspapers and magazines
available to subscribers.

You should also visit your local wholesale paper house, or make a
deal with te local stationery store to buy labels at a discount
price.  You'll want to attach these labels to the top of each
clipping you send to your clients. On these labels, you'll want
to print the name of the publication th clipping came from, and
the date it appeared, as well as your on name and address.

The next step is simply to start clipping articles that mention
or talk about specific companies or people. File you clippings in
envelopes or boxes according to industries or types of
businesses, by company name, ad according to the names of the
people mentioned.

Once you have ten or more clippings that talk about a particular
company or person, put them in a envelope and send them to that
company's owner or public relations director. You should include
a short note with the clippings, explaining your service and your
fees.


Your should try to get your clients to agree to pay you a monthly
"reader's fe," for which you agree to look for anything in the
newspaper about him or his company or industry. Every time you
spot such an article, you of course clip it, and send it to him.
A minimum monthly "reader's fee" is usually $25,but it can vary
according to the number of publications you read, and thee number
of clippings found.

Generally, a clipping service that scans statewide publications
charge about $50 per client, or $100 per client for those wanting
clippings from national publications. These fees, of course, are
monthly fees, and you can easily see how you could make very good
money with just 20 or 25 clients.

To promote and build your business, you can scan your local
business services directory and send out a solicitation letter to
each of those listed. A couple days after you've posted your
sales letter, you should follow up with a phone call.

A short, to-the-point ad under "Business Personals" in your daily
newspaper will also bring in new clients for you. And as soon you
can afford it, go with at least a small display ad in the yellow
pages of your telephone directory.

You should definitely contact relations firms, advertising
agencies,and civic organizations in your area. Explain your
services and ask them if they have any special clients or needs
you can help them with. You'll find many of your local political
and "cause" groups very interested in receiving clippings about
their opponents.

Clipping services in one form or another have been around since
the advent of the printing press, and as stated earlier, they're
becoming more in demand. It's definitely the kid of business
anyone who knows how to read can set up ad operate with an
absolute minimum investment.

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Becoming a Money Broker is one of the easiest and most rewarding
endeavors available. Virtually anyone can become a Money Broker
with the smallest investment. You can start this business on a
part-time basis, and earn large "Finders Fees," or open your own
office and work fulltime with absolutely unlimited income
potential.

Until very recently, the "secrets of money brokering" were
closely guarded and known only to a few select bankers,
investment corporations, and business consultants. No other
business offers the potential income figure for so little
investment! As an example, starting with less than $100, some
money brokers have made $100,000 their first year in their
business! This is the ideal way for a man or woman to supplement
his or her present income, or change professions after a period
of time. It is an absolute "dream-come-true" for the
semi-retired, or retired office worker.

There is hardly another business requiring less than $100 in
start-up cost that can put you in a six-figure income bracket so
quickly. None of them give you the power, prestige, or
status---respectability in your community---equal to that of the
Money Broker.

To get started, you'll need stationary, envelopes, and business
cards with your own letterhead. When ordering, be sure to include
your phone number. Also have copies made of your Fee Agreement.
We have presented a typical Fee Agreement form (which you may
duplicate after eradicating the instructions we have given in
blanks)

As we started, the investment in this business is small; when you
have your stationary, envelopes, cards and the Finder's Fee
Agreement in hand, you have spent part of it. The other part will
be discussed now, because you have to "find" both borrower and
lender to really get underway.

Once you have your "working paper," you will run some
advertisements in your local paper under the headings "money to
Loan," or "Business Opportunities." Typical ads might read:

   MONEY AVAILABLE FOR BILL CONSOLIDATION, HOME REPAIR,
   BUSINESS EXPANSION, ANY WORTHWHILE PROJECT CALL JOHN
   423-8821

(This ad would be used to "pull" BORROWERS)

   BUSINESSMAN NEEDS CAPITAL FOR EXPANSION. EXCELLENT
  COLLATERAL AND REFERENCES. CALL JOHN JOHNSON AFTER 4:00 PM
  423-8821

(This one would be to attract LENDERS)

In response to the calls or letters from prospective clients, you
will have to be prepared (really BE prepared by practicing) with
the proper answers and sales pitch--(to the prospective
borrower): "Yes, this is John Johnson. Thank you for calling.
First I will explain how we operate. I'm a money broker, Mr. (USE
HIS NAME!)____. I bring you, the borrower, and the lender,
together. I have different money sources available---banks,
insurance companies, private investment groups of doctors,
dentists, lawyers, and other professional people. My sources are
in business to make money by lending out money. Let's see-- I
need to determine your needs and the purpose of the loan in order
to properly prepare the necessary financial papers for your loan
request as many as ten different lending groups in order to get
the loan for you. Once I have an approval on your loan request,
I'm paid anywhere from 2% to 10% of the total loan
figure...important for you to remember, though, is that I don't
get paid less I GET the loan for you. I do, however charge a $100
non-refundable Application Fee to cover my expenses in preparing
your request for loan papers and presenting this portfolio to the
lenders. In a nutshell, that's how these types of loans are
negotiated. Now then, how much will you need?

(Note that five successful registrations per will bring you $500
each week.)

This is where you begin to acquire the information you are going
to need to proceed--the amount of money needed---purpose of the
loan---terms the borrower wants for repayment--and a profile of
his background--education, employment record, date of birth,
Social Security number, marital status, general health, and
number of dependents.

Next you type this information onto the proper forms, assembling
all into a portfolio and presenting it with a cover letter to at
least five different lenders for their consideration.

When the loan is granted, you collect your Brokers Fee--a
pre-determined percentage of the total loan figure.

   (TYPICAL FEE AGREEMENT FORM)

YOUR NAME AND ADDRESS

AGREEMENT FOR FINANCIAL SERVICE

The undersigned,   Borrower's name, hereby appoints YOUR NAME, as
his Agent and authorizes him to submit to lenders data
information supplied by the borrower, for the purpose of the
lender making a loan or investment direct to the undersigned. The
undersigned aggress to pay to YOUR NAME, a fee of ___% of the
amount of the loan or investment obtained. The undersigned hereby
pays to YOUR NAME, $____ as a non-refundable fee for the time
involved to appraise the feasibility of loan requested; this fee
is separate from any
other fess due, if the loan is obtained.

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Franchise businesses such as Wendy's, McDonald's and Jack-In-The-Box are booming. The people setting up franchise ideas and businesses know a good thing, and are really promoting this idea. Franchises for just about every conceivable kind of business are being sold in ever increasing numbers.

Some franchises are  very good. They treat both the franchisor and the franchisee very well. Others are very one-sided. Still others are almost total rip-offs that trap one into paying ten to fifty times the actual value of the business idea, equipment, or whatever it is they are trying to get you to buy.

Before putting any money into a franchise, you should investigate  everything completely. We've prepared a list of questions you should be asking, and should get satisfactory answers to before investing.

1. Has your attorney studied the franchise contract, discussed it completely with you, and do you both approve it without reservations?

2. Does the franchise require you to take any steps which are either illegal or even border on illegal, or are otherwise questionable or unwise in your state, county or city?

3. Does the franchise give you an exclusive territory for the length of the franchise period, or can the franchisor sell a second franchise in your territory?

4. is the franchisor connected in any way with any other franchise company handling similar products or services?

5. If you answered yes to the above questions, what is your protection against the second franchising company?

6. Under what circumstances can you end the franchise contract, and at what cost to you?

If you sell your franchise, will you be compensated for your goodwill or will it be lost to you?


8. How many years has the firm been offering you the franchise been in operation?


9. Does the company offering you this franchise have a reputation for honesty and fair dealing among its franchisees?


10. Has the franchisor shown any certified figures indicating exact net profits of one or more of its members, and have you personally checked the figures with these people?


11. Will the franchisor assist you with: a) A management training program; b) An employee training program; c) A public relations and advertising program; d) Capital; e) Credit; f) Merchandising ideas?


12. If needed, will the franchisor assist you in finding a suitable location?

13. Is the franchising firm adequately financed so that it can carry out its sated plans?

14. Does the franchisor have experienced management, trained in depth?

15. Exactly what can the franchisor do for you that you cannot do for yourself?

16. Has the franchisor investigated you carefully enough to assure itself that you can successfully operate a profit to both of you?

17. Does your state have a law regulating the sale franchises, and has the franchisor complied with that law to your satisfaction?

18. How much equity capital will you need to purchase the franchise and operate it until your income equals your expenses?

If you can get the answers to each of these questions, and those answers satisfy you, then you're probably thinking about buying a pretty good franchise deal. However, if you're in doubt about any of these points, be sure to check it out and know the answers for certain before you invest or sign anything.

Buying a franchise can give you a measure of security, and in some cases, sure-fire profits. Business surveys show that fewer than 20 percent of all franchised businesses fail. This is in comparison to a 60 to 80 percent failure rate for ALL new businesses started in this country each year.

Information regarding specific franchising ideas can be found in the franchising directories, which are generally available at the local library. Often there will be a notice posted in franchise outlets themselves.

If you can afford the entry into this business, statistics are on your side. You are now armed with some CAUTION and STOP and GO signs!

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One of the most important, but least understood or appreciated
aspects of any business is its bookkeeping or accounting system.
And, because very few people know much about the reasons for a
bookkeeping system, most people are frightened by the thought of
the work involved in setting up such a system, and the drudgery
of daily maintenance.

There's really nothing complicated to bookkeeping it's as simple
as keeping a daily dairy and' or maintaining your personal
checkbook. At the bottom line, it's simply a matter of recording
your deposits-your incoming monies-and keeping a record of the
money you spend.

So, the first thing you need to do is open a business account for
your extra income business or endeavors. Generally, this is
simply a matter of asking the new accounts teller at a local bank
for a business account registration fee, send it in to the
appropriate commissioner, and from there, open you a new business
account-complete with imprinted checks.

Drop by a local stationery store and pick up a loose leaf
notebook, and a supply of paper. We've always picked up a supply
of index tabs at the same time--either to separate the months or
the accountability sections for each item we sell.

Assuming that you want to make it as simple as possible, while at
the same time keeping it as efficient as is necessary-here's what
you do and how to do it.

On the first page in your notebook, write on the top line and in
the middle of the page: Monday, January 1st, 1983
or whatever day you officially start your business...Then, as
your orders come in, if by mail, as you open your mail-jot down
starting from the left side of the page, the amount you
received-dash-for what-from whom, and their address. The page
might look like this:

Monday--- January 1 1983

$
 14     Tapes
100     S.W Fee-Barton
 10     Hong Kong Dir #261
 10     "    "      #261
  3     Whsle Prt Dir #49
 70     Hot Line Lst--Morgan

TOTAL INCOME $207         EXPENSES 0

That's all there is to it, and boiling it  all down, it amounts
to recording what you receive and what you spend.
The next entry, immediately under that first day's entry might
look like this:

$207 Deposit
 11 Printer-for copies
 10 Sec & riches thru R Est #302-Rogers( 75010)
  3 Simplified annual M.O bkkp Sys (21104)
 10 Money Magnetism-Kline (88033)
 36 R.W Fee-Magnuson (10067
  6 Manual on Bookselling-#291-Magnuson (10067
 15 display Ad- Smith 948089)
 22 Ideal Ofc Supplies-printer paper

TOTAL INCOME $80         Expense $33         Deposit $207

And then, carry on with this recording of the money you deposit,
receive and spend each day with similar entries for each day of
the week-every day Monday Thru Saturday for each week. It's
simple uncomplicated, and a positive record of your business
activity.

Then at the end of each month, transfer this daily information to
one of the low cost bookkeeping registers that your tax
consultant or accountant can work from. These people won't work
from your daily dairy, ad will not transfer the information you
record in it to a formal bookkeeping register without charging
you a small fortune. it's not that big of a job, ad if you do it
after te close of the business on the last day of the month, it
will take at the most a very few minutes. Then, of course, when
you're ready to do your taxes, you simply give your bookkeeping
register to whoever is going to do your taxes, and you're home
free.

The bookkeeping register you'll need can be any simple columnar
notebook-we use an "Ekonomik Register,Form RL-17"
available in a number of different styles and sizes from Ekonomik
Systems-PO Box 11413-Tacoma,WA 98411. All you really need is some
sort of notebook with a number of columns marked off, a title
written at the top of each column, and a record of te money
received for each day relative to the product or service each
column represents. Then at the end of each month, you can simply
add the totals from each column and you'll instantly know how
much money you took in from each of your offers.

Beyond te date column, will be your record of expenses or money
spent. Again, you should title each of the columns you'll be
entering figures into, and then record your expenditures for
items falling into those categories. Then at the end of each
month, it's a simple matter to add the total from each column and
know exactly where you stand relative to profit or loss-how much
you took in compared to how much you spent.

Bookkeeping and/or accounting is a very simple and should not
scare you. Just keep it simple, ad up-to-date.