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Friday, November 28, 2008

Increase Your Mail Order Catalog Sales

60 Ways To Increase Your Mail Order Catalog Sales
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your web site, offer it in your newsletter, print it out as a book, give it to your friends, etc. No royalties are necessary. Give it away or
offer it as a bonus with your products. You are not allowed to make any changes to it without permission.
The Author, his publishers, agents, resellers or distributors assume no liability or responsibility to any person or entity with respect to
any loss or damage or alleged to be caused directly or indirectly by the use of and the advice given in this publication.
It is recommended that the users of this publication seek legal, accounting and other independent professional business advice
before starting a business or acting upon any advice given. This book is not intended for use as a source of legal, business,
accounting or financial advice, but is distribute for information purposes only.
60 Ways To Increase Your Mail Order Catalog Sales
Perfection in a mail order catalog is like infinity...you can
continually approach it but never quite reach it. In the case of
many catalogs, however, it is not necessary to achieve perfection
or even approach it very closely - in order to make the catalog
vastly more profitable than it is at present. Relatively small
improvements can result in a more-than-proportionate enlargement
of that all-important figure on the bottom line of the financial
statement.
Making as many improvements as possible as quickly as possible is
probably the most profitable procedure. But even making each new
catalog a little better than the one which preceded it can
produce substantial increases in sales per catalog and in total
sales over a period of time.
Following are 60 suggestions that should help your catalog do a
better selling job for you if you are not already using these
ideas. Whether you use all of them in connection with your next
catalog or adopt a few at a time in the course of producing
several future catalogs, the ultimate result should be very
noticeable and very gratifying.
BEFORE YOU CREATE YOUR CATALOG....
1. Look at your present catalog with extremely cold, critical and
unsympathetic eye. Pick out all the faults-large or small-that
you could find if you were no longer the owner of the catalog but
a nitpicking customer who has been disappointed in his or her
last purchase from you and is still sore about it. Such a review
could be very enlightening-even if it should prove slightly
embarrassing-and could make your new catalog much more
profitable.
2. Put your "letterman" on your team. Review all incoming
correspondence from customers and prospects during the last two
years for comments, suggestions or criticisms that may be helpful
in preparing your new catalog. Screen all future correspondence
of this nature as it arrives and place copies of the useful
letters in a special file to be reviewed before starting your
next catalog.
3. Think of your catalog as a means of helping your prospects
accomplish something they want to accomplish or create an effect
they want to create-and prepare your layouts, copy and
illustrations accordingly.
4. For each major type of product you sell, determine as many
reasons as possible why different groups of prospects or
customers do buy or should buy this product. Arrange your groups
of prospects or customers in their orders of importance. For each
group arrange the reasons for buying in order of their
importance. Then arrange the reasons in their order of importance
to your total group of prospects or customers. Use the most
important reasons as the basis for the copy and illustrations you
use in this catalog.
If there are significant differences in the primary reasons for
purchasing different types of products, make the presentation for
each specific type of product fit the product of using the same
type of presentation for different types of products...
5. If the preceding reasons indicate that different appeals are
needed for different groups of prospects or customers, change the
wrap-around, letter or introductory page of your catalog to
appeal to different groups, and separate your mailings
accordingly.
6. Plan your catalog completely before you start preparing
layouts and copy.. Use all 60 suggestions in this list as your
guide for your planning..
7. Plan to ring your cash register more often by using approaches
in tune with the times.
8. Plan to attract new customers-reactivate dormant customers-and
get bigger and better orders from present customers by adding new
and excitement and extras pleasure to owning or using the types
of products offered in your catalog.. For example, feature
dramatic new items, unusual items, items that are especially
timely, etc... Include unusual facts of interest about specific
items.
9. Plan to add interest to your catalog-and give it a much longer
life--by including helpful information on how to use, operate and
maintain your products...unusual uses, etc.. This is information
that customers can use to advantage and will want to keep for
future reference, Such information also increases customer
confidence in your company which correspondingly increases the
customer's inclination to buy from you.
10.. Determine whether items that were unprofitable or barely
profitable in the present catalog should be promoted more
vigorously in the new catalog or should be dropped and replaced
by new products, Never keep an unprofitable product in your
catalog just because it is one of your favorites. If it doesn't
sell, get rid of it!
11. Give your company a distinctive personality. Promote this
personality in all future catalogs as a means of making your
company not "jut another mail order marketer" but a very special
marketer in the minds of your prospects and customers.
WHEN YOU CREATE YOUR NEW CATALOG...
Use Procedure 12 to 19 to make your prospects want your products:
12. Write your copy to tie in with and stimulate the specific
reasons for buying discussed in the preceding section.
13. Wherever possible show your prospects how your merchandise
can accomplish the results desired by the prospects to a greater
degrees than competitive products-and prove it by citing results
of lab tests, field tests, wards received, other special
recognition- and especially testimonials and case history
stories, preferably with photographs. Give the prospect every
possible incentive to buy from you rather than somebody else.
14. Put special emphasis on your products and/or services which
are exclusive or markedly superior to those of your
competitors-and tell your readers WHY your products and/or
services are superior!
15. Take the prospect "behind the scenes" if practical and show
what you do (especially exclusive or improved procedures) to make
your products better than competitive products.
16. Make the most of new items the first time you offer them;
they are only new once.. Give them every opportunity to succeed
saleswise by giving them preferred position and allowing adequate
space for you to do a proper educational and selling job on them
at the time they are introduced.
17. Assure prospects that is easy to use these products...that
instructions are included with each order (if true) and/or are
available in specific books or magazines (preferably obtainable
from you)...and cite case histories to prove how successful other
customers have been in using them.
18. Tell prospect how to start using your merchandise properly
and what other action should be taken-and when-or state that this
information will be included with the shipment.
19. If your products are bought primarily for pleasure or are
considered a luxury or "non-necessity", help the prospect
rationalize the value of the purchase.
Use Procedures 20 to 26 to make it easy as possible for the
prospect to make an accurate selection of the types of
merchandise and the specific items of each type best suited for
his or her purposes:
20. Group all items of the same type in the same section of your
catalog.
21. Arrange the groups of items in their present or potential
order of importance to you profitwise. Put the most important
group at the front of your catalog and the least important near
the end of your catalog (but not on the last three pages).
22. Within each group , arrange the individual items in
descending order of quality, price, popularity or promotional
possibilities.
Give the most important items the most valuable positions and
extra space for copy and illustrations. Allocate positions and
space to the other items in the order of their importance.
23. If practicable, use the Sears system of offering the same
type of item in three different qualities-- GOOD, BETTER and
BEST- with different price ranges to match the differences in
quality. Usually it is more effective to talk about the BEST
quality first and the GOOD quality last.
24. Use COMMON copy to present features or qualities that are the
same for all or most items of the same type.
25. Use INDIVIDUAL copy to talk about the features or qualities
that make each specific item different from all or most of the
other specific items in the group.
26. In preparing the INDIVIDUAL copy above, use "parallel
construction" to help the prospect make a point-by-point
comparison of the specific items as quickly, easily and
accurately as possible.
Once the prospects have selected the merchandise they wish to
buy, make it as easy as possible for them to order Procedures
27-31
27. Be sure your ordering information is easy to understand.
28.. Make your order form easy to use, with adequate space to
write the necessary information.
29. Put in one or more extra order forms to make it easier for
customers to order again..
30. Encourage prospects to order by phone on credit, charge or
c.o.d. sales and encourages them to telephone for further
information they may desire.
31. Offer a 24-hour phone-in service through an arrangement with
a local telephone answering service who can answer your phone
during the hours that your business is nor normally open.. This
is especially convenient for the customer who shops in your
catalog during evening or weekend hours.
Make it as easy as possible for customers to pay for their orders
Procedures 32 and 33
Offer credit card service on orders for a specified amount or
more.. By putting a minimum on credit card orders you will often
increase the original order to at least that minimum amount.
Credit card orders tend to be nearly double the size of cash
orders.
33. Make it easy to determine shipping charges so they can be
included in cash-with-order payments.
Use order starters and sales stimulators such as 34 to 42
34. Use a wrap-around letter on the front of your catalog to
stimulate ,ore orders and to do a selling job on the merchandise
in the catalog; also to make special appeals to special groups or
call attention to merchandise in the catalog of special interest
to special groups.
35. Use the wrap-around to offer order starters (loss leaders or
hot items to get prospects in to the catalog).
36. Offer specials at intervals throughout the catalog to entice
readers to start an order. Once they buy even one lonely item
they'll tend to order other items to go with it.
37. Offer logical assortments of mixed or matched seasonal items
to provide extra variety and pleasure at any given period of
time. Make suggestions for these assortments and provide
inducements for prospects to order them.
38. Offer assortments of mixed or matched items designed for use
during different seasons in order to provide variety and pleasure
throughout the year (or most of it) instead of during just one
season.
39. Offer a free guide or plan for using each assortment above
correctly and offer information on how to make the most effective
overall use of the assortments.
40. Offer a gift or discount for orders of certain sizes and use
a stairstep graduated approach to increase the value of these
discounts or gifts as the size of the order increases.
41. Offer a gift-shipping with gift cards.
42. Provide extra services such as "Seeker Service" for items not
listed in the catalog. Through extra service techniques you will
make your customers more dependent on the information you provide
and they will become more dedicated customers.
Stimulate promptness in ordering Procedures 43 and 44
43. Use action incentives to spark early orders, such as premiums
for ordering by a specified date; special offers for a limited
time only; etc. When a time limit is involved, send a reminder
(letter, promotional mailing, second catalog, etc) timed to
arrive two weeks ahead of expiration date (as nearly as you can
time it with current third class mail service).
44. Mention frequently and prominently in your catalog that
anyone who orders merchandise from this catalog will
automatically receive the next catalog free. If you wish, this
offer can be modified to require the purchase of a specified
amount during the life of the catalog or by a specified date.
Other suggestions Procedures 45 to 53
45. Use the back cover of your catalog for special offers; also
the inside front and back covers and the pages facing the inside
covers.
46. Use teaser copy and cross-references throughout the catalog
to entice readers (into other sections. This can be especially
effective when related accessory items are sold.
47. Concentrate service information on a Service Page; locate it
on a page conveniently adjacent to the order form; and use
frequent cross-references to this page throughout the catalog to
stimulate extra page traffic.
48. Humanize yourself and your catalog by making it seem like the
catalog came from helpful, friendly people. If your business is
truly a "family business" don't hide that fact.
49. Watch your language! Avoid using technical "industry or
business jargon" in your selling and service copy; keep legal
phraseology to the absolute minimum in your guarantee.
50. Make your entire catalog harmonious in layout and copy style
but not monotonous. Include enough variety to keep the reader
interested instead of becoming bored.
51. Give your catalog a longer life by emphasizing the length of
time that you will be able to ship from it and suggesting that
readers keep the catalog for future reference.
52. Ask for referrals from your satisfied customers; also names
of friends who might like to receive a copy of the catalog.
Consider testing the "cluster concept" that neighbors are very
similar and nail to your customers next door neighbors.
53. Sell subscriptions to your catalog by providing a location on
the catalog for readers to remit 50 cents for a "full years
subscription to your catalog." You can also suggest that they
give a "gift subscription" to a friend very inexpensively (and
thus pay for the catalog you mail to the referral).
AFTER YOU CREATE YOUR NEW CATALOG...
54. Use the basic or major catalog to establish the value and
regular price of the merchandise. Use other, smaller catalogs or
solo mailings to promote sales from the major catalog or to
provide special reasons for buying (reduced prices on individual
items or special assortments, closeout, etc).
55. Ask the recipient to pass the catalog along to an interested
friend if the recipient already has a copy or is no longer
interested in this type of merchandise.
56. Re-mail the same catalog to your better customers 3 to 5
weeks after you mail it the first time.
57. Prepare an alternate cover for the catalog and mail the same
catalog to your entire list several weeks later. You'll find it
will do just about as well as the first mailing did.
58. Mail to your BETTER CUSTOMERS monthly, featuring items
carried in the catalog- don't rely solely on the
once-or-twice-a-year catalog.
59. Use your catalog as a package stuffer-enclose one with every
order you ship. Your best prospect is the person who just placed
an order with you and received prompt and safe delivery of the
items ordered.
60. Be prompt in acknowledging orders (with thanks), answering
inquiries, shipping merchandise and making refunds or exchanges
if necessary. Remember the old adage of that great retailer
Marshall Field, "the customer is always right." Less than 2% of
the population will intentionally try to take advantage of you
and the other 98% are well worth cultivating.
...And just as every good mail order catalog has something extra
thrown in for good measure make the customer happier...here's our
extra one for good measure!
61. If you receive a change-of-address notice from one of your
customers, immediately mail a copy of your catalog addressed to
"The New Residents at (the former address of the customer)"
because the new residents probably has tastes and interests very
similar to those of your customer-after all, he bought the same
house! To give this mailing added power, you might tip a note
onto the front cover of the book stating that "the Smiths used
our catalog regularly, maybe you'll find it equally useful."

Ways To Make Your Car Last Longer

64 Mechanic's Ways To Make Your Car Last Longer
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your web site, offer it in your newsletter, print it out as a book, give it to your friends, etc. No royalties are necessary. Give it away or
offer it as a bonus with your products. You are not allowed to make any changes to it without permission.
The Author, his publishers, agents, resellers or distributors assume no liability or responsibility to any person or entity with respect to
any loss or damage or alleged to be caused directly or indirectly by the use of and the advice given in this publication.
It is recommended that the users of this publication seek legal, accounting and other independent professional business advice
before starting a business or acting upon any advice given. This book is not intended for use as a source of legal, business,
accounting or financial advice, but is distribute for information purposes only.
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.
42. Complex 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.

Make Money With Handicrafts

66 Ways To Make Money With Handicrafts
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NOTE:
If you Would like to Offer this Ebook to Your Web Site Visitors as a FREE Download, then please do so. You can post this ebook to
your web site, offer it in your newsletter, print it out as a book, give it to your friends, etc. No royalties are necessary. Give it away or
offer it as a bonus with your products. You are not allowed to make any changes to it without permission.
The Author, his publishers, agents, resellers or distributors assume no liability or responsibility to any person or entity with respect to
any loss or damage or alleged to be caused directly or indirectly by the use of and the advice given in this publication.
It is recommended that the users of this publication seek legal, accounting and other independent professional business advice
before starting a business or acting upon any advice given. This book is not intended for use as a source of legal, business,
accounting or financial advice, but is distribute for information purposes only.
66 Ways To Make Money With Handicrafts
USING WOOD
1. Make house signs
2. Make walking canes
3. Refinish old-fashioned children's desks
4. Mass-produce quality chopping blocks
5. Make wicker baskets
6. Hand-carve picture frames
7. Make wooden greeting cards
8. Specialize in creating quality doll palaces
9. Build miniature furniture for dollhouses and adult
collectors
10. Create decorative birdhouses
USING CLOTH AND NATURAL FIBERS
11. Knit personalized sweaters
12. Specialize in batik wearing apparel
13. Tie-dyeing
14. Make old-fashioned quilts
15. Make quilts that tell a story
16. Sell macrame products from home, a shop, or mail order
17. Custom rugmaking
18. Create doll clothes and restore old dolls
19. Create unique ethnic and character dolls
20. Produce custom-made sandals
21. Make personalized leather snap-on bracelets
FROM GOURDS
22. Create eating and drinking utensils from gourds
23. Make lamps with gourds
24. Make gourd planters
25. Make gourd totem poles
26. Create gourd creatures
27. Create birdhouses from gourds
FROM MISCELLANEOUS MATERIALS
28. Make face masks
29. Make copper cameos from photographs
30. Make babies' hand plaques
31. Make dolls with faces similar to their owners
32. Moulding and casting faces
33. Dry flowers
34. Make book-safes: hollowed-out books for hiding valuables
35. Make personalized coffee mugs
36. Make jewelry from beads or seashells
37. Make bulletin boards
38. Embellish and redecorate household products
39. Make salt and pepper shakers from cow horns
40. Make custom wastebaskets
41. Create miniature replicas of antiques out of wood or ivory
42. Crate giant replicas of small insects
43. Decorate decanter stoppers with small clay caricatures of
people
44. Offer natural tattooing with sun stencils
45. Make ceramic plaques of newborn infants' foot or hand
prints
46. Make lamps from wine jugs, seashells, etched metal, rocks,
transparent plastic, etc 47. Make money from mobiles
48. Make mosaics to decorate functional items
49. Make ceramic lawn decorations
50. Manufacture sundials
51. Make costume jewelry
52. Make weather vanes
53. Make unusual products from seashells
54. Manufacture terrariums
55. Make and sell bottled boats
56. Tint and sell pussy willows
57. Decorate penny match boxes
58. Make bottle gardens
59. Create novelty bottles
60. Manufacture stained glass windows
61. Make sculpture candles
62. Gift wrapping service
SELLING
63. Operate a crafts marketplace
64. Operate a crafts consignment shop
65. Become a sales agent for handicrafts
66. Sell handicrafts at fairs

Ways to Save Money

66 Ways to Save Money
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and start making money straight away.
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If you Would like to Offer this Ebook to Your Web Site Visitors as a FREE Download, then please do so. You can post this ebook to your
web site, offer it in your newsletter, print it out as a book, give it to your friends, etc. No royalties are necessary. Give it away or offer it as
a bonus with your products. You are not allowed to make any changes to it without permission.
The Author, his publishers, agents, resellers or distributors assume no liability or responsibility to any person or entity with respect to any
loss or damage or alleged to be caused directly or indirectly by the use of and the advice given in this publication.
It is recommended that the users of this publication seek legal, accounting and other independent professional business advice before
starting a business or acting upon any advice given. This book is not intended for use as a source of legal, business, accounting or
financial advice, but is distribute for information purposes only.
66 Ways to Save Money
TRANSPORTATION
Airline Fares
1. You can lower the price of a roundtrip air fare by as much as
two-thirds by making certain your trip includes a Saturday
evening stayover, and by purchasing the ticket in advance.
2. To make certain you have a cheap fare, even if you use a
travel agent, call all the airlines that fly where you want to go
and ask what the lowest fare to your destination is.
3. Keep an eye out for fare wars. Be prepared to act quickly.
Car Rental
1. Since car rental rates can vary greatly, shop around for the
best basic rates and special offers.
2. Rental car companies offer various insurance and waiver
options. Check with your insurance agent and credit card company
in advance to avoid duplicating any coverage you may already
have.
New Cars
1. You can save thousands of dollars over the lifetime of a car
by selecting a model that combines a low purchase price with low
financing, insurance, gasoline, maintenance, and repair costs.
Ask your local librarian for new car guides that contain this
information.
2. Having selected a model, you can save hundreds of dollars by
comparison shopping. Call at least five dealers for price quotes
and let each know that you are calling others.
3. Remember there is no "cooling off" period on new car sales.
Once you have signed a contract, you are obligated to buy the
car.
Used Cars
1. Before buying any used car:
a. Compare the seller's asking price with the average retail
price in a "bluebook" or other guide to car prices found at
many libraries, banks, and credit unions.
b. Have a mechanic you trust check the car, especially if
the car is sold "as is."
2. Consider purchasing a used car from an individual you know and
trust. They are more likely than other sellers to charge a lower
price and point out any problems with the car.
Auto Leasing
1. Don't decide to lease a car just because the payments are
lower than on a traditional auto loan. The leasing payments may
be lower because you don't own the car at the end of the lease.
2. Leasing a car is very complicated. When shopping, consider
the price of the car (known as the capitalized cost), your trade-
in allowance, any down payment, monthly payments, various fees
(excess mileage, excess "wear and tear," end-of-lease), and the
cost of buying the car at the end of the lease.
Gasoline
1. You can save hundreds of dollars a year by pumping gas
yourself and using the lowest-octane called for in your owner's
manual.
2. You can save up to $100 a year on gas by keeping your engine
tuned and your tires inflated to their proper pressure.
Car Repairs
1. Consumers lose billions of dollars each year on unneeded or
poorly done car repairs. The most important step that you can
take to save money on these repairs is to find a skilled, honest
mechanic. Before you need repairs, look for a mechanic who:
* is certified and well established;
* has done good work for someone you know; and
* communicates well about repair options and costs.
INSURANCE
Auto Insurance
1. You can save several hundred dollars a year by purchasing auto
insurance from a licensed, low-price insurer. Call your state
insurance department for a publication showing typical prices
charged by different companies. Then call at least four of the
lowest-priced, licensed insurers to learn what they would charge
you for the same coverage.
2. Talk to your agent or insurer about raising your deductibles
on collision and comprehensive coverages to at least $500 or, if
you have an old car, dropping these coverages altogether.
Taking these steps can save you hundreds of dollars a year.
3. Make certain that your new policy is in effect before dropping
your old one.
Homeowner Insurance
1. You can save $100 or more a year by purchasing homeowner
insurance from a low-price, licensed insurer. Ask your state
insurance department for a publication showing typical prices
charged by different licensed companies. Then call at least four
of the lowest priced insurers to learn what they would charge
you. If such a publication is not available, it is even more
important to call at least four insurers for price quotes.
2. Make certain you purchase enough coverage to replace the house
and its contents.
3. Make certain your new policy is in effect before dropping your
old one.
Life Insurance
1. If you want insurance protection only, buy a term life
insurance policy.
2. If you want to buy a whole life, universal life, or other cash
value policy, plan to hold it for at least 15 years. Cancelling
these policies after only a few years can more than double your
life insurance costs.
3. Check your public library for information about the financial
soundness of insurance companies and the prices they charge. The
July, August, and September 1993 issues of Consumer Reports are a
valuable source of information about a number of insurers.
BANKING/CREDIT
Checking
1. You can save more than $100 a year in fees by selecting a
checking account with a minimum balance requirement that you can,
and do, meet.
2. Banking institutions often will drop or lower checking fees if
paychecks are directly deposited by your employer. Direct
deposit offers the additional advantages of convenience,
security, and immediate access to your money.
Savings and Investment Products
1. Before opening a savings or investment account with a bank or
other financial institution, find out whether the account is
insured by the federal government. An increasing number of
products offered by these institutions, including mutual stock
funds and annuities, are not insured.
2. To earn the highest return on savings (annual percentage
yield) with little or no risk, consider certificates of deposit
(CDs) and treasury bills or notes.
3. Once you select a type of savings or investment product,
compare rates offered by different institutions. These rates can
vary a lot and, over time, can significantly affect interest
earnings.
Credit Cards
1. You can save as much as several hundred dollars each year in
lower credit card interest charges by paying off your entire bill
each month.
2. If you are unable to pay off a large balance, switch to a
credit card with a low annual percentage rate (APR). For a
modest fee, Bankcard Holders of America (703-389-5445) and RAM
Research Corp. (800-344-7714) will send you a list of low-rate
cards.
3. You can reduce credit card fees, which may add up to more than
$100 a year, by getting rid of all but one or two cards, and by
avoiding late payment and over-the-credit limit fees.
Auto Loans
1. If you have significant savings earning a low interest rate,
consider making a large down payment or even paying for the car
in cash. This could save you as much as several thousand dollars
in finance charges.
2. You can save as much as hundreds of dollars in finance charges
by shopping for the cheapest loan. Contact several banks, your
credit union, and the auto manufacturer's own finance company.
First Mortgage Loans
1. You may save tens of thousands of dollars in interest charges
by shopping for the shortest-term mortgage you can afford. On a
$100,000 fixed-rate loan at 8% annual percentage rate (APR), for
example, you will pay $90,000 less in interest on a 15-year
mortgage than on a 30-year mortgage.
2. You can save thousands of dollars in interest charges by
shopping for the lowest-rate mortgage with the fewest points. On
a 15-year, $100,000 fixed-rate mortgage, just lowering the APR
from 8.5% to 8.0% can save you more than $5,000 in interest
charges. On this mortgage, paying two points instead of three
would save you an additional $1,000.
3. If your local newspaper does not periodically run mortgage
rate surveys, call at least six lenders for information about
their rates (APRs), points, and fees. Then ask an accountant to
compute precisely how much each mortgage option will cost and its
tax implications.
4. Be aware that the interest rate on most adjustable rate
mortgage loans (ARMs) can vary a great deal over the lifetime of
the mortgage. An increase of several percentage points might
raise payments by hundreds of dollars per month.
Mortgage Refinancing
1. Consider refinancing your mortgage if you can get a rate that
is at least one percentage point lower than your existing
mortgage rate and plan to keep the new mortgage for several years
or more. Ask an accountant to calculate precisely how much your
new mortgage (including upfront fees) will cost and whether, in
the long run, it will cost less than your current mortgage.
Home Equity Loans
1. Be cautious in taking out home equity loans. These loans
reduce the equity that you have built up in your home. If you
are unable to make payments, you could lose your home.
2. Compare home equity loans offered by at least four banking
institutions. In comparing these loans, consider not only the
annual percentage rate (APR) but also points, closing costs,
other fees, and the index for any variable rate changes.
HOUSING
Home Purchase
1. You can often negotiate a lower sale price by employing a
buyer broker who works for you, not the seller. If the buyer
broker or the broker's firm also lists properties, there may be a
conflict of interest, so ask them to tell you if they are showing
you a property that they have listed.
2. Do not purchase any house until it has been examined by a home
inspector that you selected.
Renting a Place to Live
1. Do not limit your rental housing search to classified ads or
referrals from friends and acquaintances. Select buildings where
you would like to live and contact their building manager or
owner to see if anything is available.
2. Remember that signing a lease probably obligates you to make
all monthly payments for the term of the agreement.
Home Improvement
1. Home repairs often cost thousands of dollars and are the
subject of frequent complaints. Select from among several well
established, licensed contractors who have submitted written,
fixed-price bids for the work.
2. Do not sign any contract that requires full payment before
satisfactory completion of the work.
Major Appliances
1. Consult Consumer Reports, available in most public libraries,
for information about specific brands and how to evaluate them,
including energy use. There are often great price and quality
differences among brands.
2. Once you've selected a brand, check the phone book to learn
what stores carry this brand, then call at least four of these
stores for the prices of specific models. After each store has
given you a quote, ask if that's the lowest price they can offer
you. This comparison shopping can save you as much as $100 or
more.
UTILITIES
Electricity
1. To save as much as hundreds of dollars a year on electricity,
make certain that any new appliances you purchase, especially air
conditioners and furnaces, are energy-efficient. Information on
the energy efficiency of major appliances is found on Energy
Guide Labels required by federal law. Check with your electric
utility to learn if it has a program to help reduce the costs of
any appliance purchases.
2. Enrolling in load management programs and off-hour rate
programs offered by your electric utility may save you up to $100
a year in electricity costs. Call your electric utility for
information about these cost-saving programs.
Home Heating
1. A home energy audit can identify ways to save up to hundreds
of dollars a year on home heating (and air conditioning). Ask
your electric or gas utility if they can do this audit for free
or for a reasonable charge. If they cannot, ask them to refer
you to a qualified professional.
Local Telephone Service
1. Check with your phone company to see whether a flat rate or
measured service plan will save you the most money.
2. You will usually save money by buying your phones instead of
leasing them.
3. Check your local phone bill to see if you have optional
services that you don't really need or use. Each option you drop
could save you $40 or more each year.
Long Distance Telephone Service
1. Long distance calls made during evenings, at night, or on
weekends can cost significantly less than weekday calls.
2. If you make more than a few long distance calls each month,
consider subscribing to a calling plan. Call several long
distance companies to see which one has the least expensive plan
for the calls you make.
3. Whenever possible, dial your long distance calls directly.
Using the operator to complete a call can cost you an extra $1 to
$3.
OTHER
Food Purchased at Markets
1. You can save hundreds of dollars a year by shopping at the
lower-priced food stores. Convenience stores often charge the
highest prices.
2. You will spend less on food if you shop with a list.
3. You can save hundreds of dollars a year by comparing price-
per-ounce or other unit prices on shelf labels. Stock up on
those items with low per-unit costs.
Prescription Drugs
1. Since brand name drugs are usually much more expensive than
their generic equivalents, ask your physician and pharmacist for
generic drugs whenever appropriate.
2. Since pharmacies may charge widely different prices for the
same medicine, call several. When taking a drug for a long time,
also consider calling mail-order pharmacies, which often charge
lower prices. See the October 1993 issue of Consumer Reports
(available in most public libraries) for a list of several of
these pharmacies and their toll-free phone numbers.
Funeral Arrangements
1. Make your wishes known about your funeral, memorial, or burial
arrangements in writing. Be cautious about prepaying because
there may be risks involved.
2. For information about the least costly options, which could
save you several thousand dollars, contact a local memorial
society, which is usually listed in the Yellow Pages under
funeral services.
3. Before selecting a funeral home, call several and ask for
prices of specific goods and services, or visit them to obtain an
itemized price list. You are entitled to this information by law
and, by using it to comparison shop, you can save hundreds of
dollars.
The Consumer Literacy Consortium is a working group of
representatives from federal and state government agencies,
consumer groups, business organizations, and educational
institutions that seeks to develop and disseminate essential
messages to inform and educate consumers. Membership in the
Consortium does not imply endorsement of all of its messages or
the products and services of other members.
Cooperative Extension System
Federal Trade Commission
Federal Reserve Board
Minnesota Attorney General's Office
National Association of Consumer Agency
Administrators
U.S. Consumer Information Center
U.S. Food and Drug Administration
U.S. Office of Consumer Affairs
American Council on Consumer Interests
American Association of Retired Persons
Center for the Study of Services - Checkbook Magazine
Consumer Action
Consumer Federation of America
National Coalition for Consumer Education
National Institute for Consumer Education
TARP, Inc.
Alamo Rent A Car, Inc.
American Insurance Association
Direct Selling Education Foundation
MCI Consumer Markets
NYNEX Corporation
Sprint

Writer To Make Money

71 Ways For A Writer To Make Money
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The Author, his publishers, agents, resellers or distributors assume no liability or responsibility to any person or entity with respect to
any loss or damage or alleged to be caused directly or indirectly by the use of and the advice given in this publication.
It is recommended that the users of this publication seek legal, accounting and other independent professional business advice
before starting a business or acting upon any advice given. This book is not intended for use as a source of legal, business,
accounting or financial advice, but is distribute for information purposes only.
71 Ways For A Writer To Make Money
GENERAL WRITING:
1. Copywriting for television commercials
2. Copywriting for radio commercials
3. Copywriting for newspaper and magazine ads
4. Professional letter writing
5. Creating plots for other writers
6. Writing correspondence courses
7. Travelling writer
8. Newspaper feature writing
9. Writing for weekly tabloids
10. Writing humour
11. Writing greeting cards
12. Writing witty sayings for bumper stickers
13. Writing fillers for newspapers and magazines
14. Ghost writing
15. Script writing for movies
16. Scrip writing for television
17. Writing plays
18. Resume service
19. Writing non-fiction
FREELANCE WRITING FOR:
20. Daily newspapers
21. Professional journals
22. Consumer magazines
23. Confessional magazines
24. Poetry magazines
25. Fiction magazines
26. Farming-dairy-poultry- livestock journals
27. Technical journals
28. Manufacturers' trade journals
29. Retail trade journals
30. Sports magazines
31. Teenagers' magazines
32. Children's magazines
33. Gag magazines
WRITING A NEWSPAPER COLUMN ON:
34. Crafts
35. Art
36. Celebrities
37. Street interviews
38. Travelling
39. 25, 50, 100 years ago today
40. Local street names
41. Gossip column
42. Personal problems
43. Gardening
44. Cooking
45. New products
46. Child care
47. For teenagers
48. Children's question-and -answer
49. With humour and jokes
50. Sport
51. Pets
52. Shopping
53. Cars
54. Hunting and fishing
55. Do-it-yourself
PUBLISHING:
56. A newsletter
57. Sportsmen's bulletin
58. Bulletin for the handicapped
59. Apartment bulletin
60. Club bulletin
61. A tourist guide
62. Restaurant guide
63. A home-business guide
64. Part-time and free-lance help directory
65. Teachers' yearbook
66. Small newspaper
67. Magazine
MISCELLANEOUS
68. Proof reading
69. Free-lance editing
70. Become an author's agent
71. Teaching English

A Photographer To Make Money

99 Ways For A Photographer To Make Money
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with your products. You are not allowed to make any changes to it without permission.
99 Ways For A Photographer To Make Money
SPECIAL EVENTS
1. Photograph vocational school graduates
2. Wedding photographer
3. Photograph large parties
4. Photograph at banquets
5. Prom and graduation photos
6. Photograph fashion shows
7. Photograph trade shows
8. Wedding movies
9. Photograph new stores' grand openings
10. Photograph local performances
11. Commencement day photographs
PEOPLE
12. Take pictures of people mounted on a horse
13. Make polaroid pictures of seamen going abroad
14. Take pictures of people wearing special costumes
15. Photograph people on a fancy motorcycle
16. Take pictures of people in nightclubs
17. Take pictures on the beach
18. Antique photo shop - produce 1890's type portraits for the
"nostalgic crazy"
19. Take I.D. photos
20. Take passport photos
21. Specialize in legal photography
22. Produce community yearbooks
23. Produce company year books
24. Produce composites for models, actors and actresses
25. Photo fund raising
26. Take slow-motion sports film for athletes
27. Take executive portraits
28. Photograph children on a pony
29. Take portraits of children in department stores or malls
30. A day in a child's life - an album of 30 pictures
31. School photography
32. Santa Claus portraits
33. Travelling industrial photographer
34. Ilustrate manufacturers' sales manuals and catalogs
35. Ilustrate manufactuers' sales manuals and catalogs
36. Public relation photos for business
37. Photograph store fronts
38. Produce progress photos on construction sites
39. Real estate photography
40. Produce illustrated promotional brochures for business
firms, hotels, etc.
41. Interior decorator's photographer
42. Photograph in-store merchandise displays
ON THE ROAD
43. Foreign fashion photography for textile and fashion
manufacturers
44. Photograph tourists in famous places
45. Summer camp photographer
46. Roving festival photographer
47. Sell scenic prints to gift shops and hotels
48. Offer personalized vacation photo packages to resort clients
49. Sell slide shows of interesting places or subjects
50. Build a mobile portrait studio in a trailer or van
51. Be a slide-show lecturer on different subjects and
geographic locations
MAKING NOVELTIES
52. Candid keychain photos
53. Photo stamps
54. Color postcards for hotels or resorts
55. Exceptional color scenes for calendar printers
56. Personalized Christmas cards - with family portraits or
photos of family home
57. Photo buttons
58. Photographs on coffee mugs
59. Photographs on shirts
60. Imprint a photograph of a child on the face of her doll
61. Photo sculptures
62. Bookends adorned with any desired photographic subject
63. Decorative photo plaques
64. Personalized photo matchbooks
65. Instant personal postcards by gluing polaroid shots to blank
postcards
66. Stationery imprinted with personal portraits
67. Custom calendars
SERVICES
68. A microfilming service
69. Photo duplicating service
70. Slide duplicating service
71. Restoring old photos
72. Producing filmstrips
73. Duplicating negatives to sell
74. Slide-titling service
75. Making offset negatives and plates
76. Collecting old photos to make into books
77. Making photomurals
78. Retouching service
79. Custom photo lab
80. Blowing up photos, on the spot
81. Photo oil portraits
82. Selling prints to photo agencies
83. Camera rental
84. Camera exchange
85. Repairing cameras
86. Teaching photography
MISCELLANEOUS
87. Making postcards
88. Publicity photography
89. Photographic essays for various publications
90. T.V. news freelancing
91. Selling news photos
92. Taking and selling peculiar photos
93. Selling local photos for travel magazines
94. Aerial photography
95. Documentary film making
96. Photos of human interest
97. Composing photo guides for tourists
98. Photographing accidents for lawyers and insurance companies
99. Photographing parades

Reduce Housing & Home Expenses

57 Ways To Reduce Housing & Home Expenses
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The Author, his publishers, agents, resellers or distributors assume no liability or responsibility to any person or entity with respect to
any loss or damage or alleged to be caused directly or indirectly by the use of and the advice given in this publication.
It is recommended that the users of this publication seek legal, accounting and other independent professional business advice
before starting a business or acting upon any advice given. This book is not intended for use as a source of legal, business,
accounting or financial advice, but is distribute for information purposes only.
57 Ways To Reduce Housing & Home Expenses
1. Consider buying an old, inexpensive house &
modernizing it yourself.
2. Check firms that build the house's exterior and you
do the inside work.
3. Give thought to living in a mobile home or modular
housing.
4. You can save substantially by learning how to
conserve home energy.
5. Insulate your home yourself & you may be entitled to
a large tax credit.
6. Use solar energy in your home & reduce conventional
energy expenses.
7. Pay property insurance premiums annually for
substantial savings.
8. Moving costs may be tax deductible, if it was done
for business reasons.
9. If necessary, add extra rooms instead of looking for
a larger house.
10. Keep your home in good condition. It will insure top
money when selling.
How to save on home repair bills......
11. Practice preventable maintenance. Take good care of
what you have.
12. Get an illustrated manual & learn to repair most
common problems yourself.
13. When needed, ask friends & neighbors whom they
recommend for repair work.
14. Always get competitive bids for larger repair jobs.
15. Before hiring a firm, ask for names of their
customers you can contact.
16. If a loan is required for repairs, shop round for
lowest interest rates.
17. Borrow money for the shortest period possible.
18. Use reputable firms. Check with Better Business
Bureau if necessary.
19. Establish a good trusting relationship with a
reliable repair service.
20. Get a signed cost estimate before repair work is
started.
Where to find the best home bargains.....
21. Discount stores.
22. Auctions.
23. Catalog stores.
24. Garage sales.
25. Flea markets.
26. Thrift stores.
27. Classified ads. (You'll get a better bargain from
private owner, than from a store).
28. Sales and clearances of reputable stores.
29. Look for "floor samples" and "demonstrator's models
30. Shop for discontinued models and "slightly damaged"
merchandise.
31. Buy "unclaimed" and "repossessed" furniture at
warehouse sales.
32. Buy unpainted furniture and finish it yourself.
33. Try to buy wholesale. Some manufacturers have
"wholesale outlets".
34. Consider working a swap with friends, relatives,
neighbors.
How to buy furniture, appliances, furnishings
intelligently........
35. Before you buy, ask yourself, "Do I really need it?"
36. Shop around before you decide. Become an expert
comparison shopper.
37. Ask around. Talk to others and ask their
experiences, suggestions.
38. Go to the local library and read. Check out recent
articles on the subject.
39. Is the merchant reliable in case you have any
problems later?
40. Never sign contracts or agreements until you know
what you are signing.
41. If you buy on credit, keep a written record of your
spending in your wallet.
42. Use charge cards only if you pay bills before
interest is added.
43. Buy only low-energy, high efficiency appliances.
44. See if you can "make do" with what you have.
45. When ordering carpeting, ask for broadloom remnants
and save about half.
46. Make some items yourself, such as curtains,
draperies, bedspreads, etc.
47. Buy radios and TV's during January & May sales.
48. February & June are good times to buy bedding, floor
covering, furniture.
49. Shop March & July for good buys on washers and
dryers.
50. Buy rugs during August and October sales.
51. Stock up on household linens during the months of
January, May & August.
52. March is a good month to buy a house, right after
school vacation starts.
53. Buy a kitchen range, paint & wallpaper during April
sales.
54. March is a good month to select a new air
conditioner.
55. January sales are good for buying small appliances,
blankets, quilts.
56. Buy housewares in Feb., Sept.; china & glassware in
March & Sept.
57. Buy fabrics in Jan. & October; storm windows in June
& July.

$100 An Hour Making Exclusive 3-D

$100 An Hour Making Exclusive 3-D Foto-Figures
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offer it as a bonus with your products. You are not allowed to make any changes to it without permission.
The Author, his publishers, agents, resellers or distributors assume no liability or responsibility to any person or entity with respect to
any loss or damage or alleged to be caused directly or indirectly by the use of and the advice given in this publication.
It is recommended that the users of this publication seek legal, accounting and other independent professional business advice
before starting a business or acting upon any advice given. This book is not intended for use as a source of legal, business,
accounting or financial advice, but is distribute for information purposes only.
$100 An Hour Making Exclusive 3-D Foto-Figures
This is a creative business in which you can turn your spare
time into big money, and all you really need to get started is a
few materials and your existing work shop. If you don't have a
workshop, a corner of your basement or garage will give all the
space you need.
You could have paid $14,990 for a course and setup in this
business. That's what one company has advertised in Entrepreneur
magazine. Why would you want to pay such a high price when this
brief report will show you virtually everything you will need to
know
WHAT ARE 3-D PHOTO FIGURES?
You may have seen them on display or sold under different names
such as photo sculptures, photo statues or self-standing
figurines, but the principle is the same. Basically, they are
photographs that have been cut and mounted onto an acrylic
background, then fastened to a base. And, they sell like hot
cakes to those who want something unique and different
-especially when it is a likeness of themselves, a relative,
their home, or favorite pet.
INVESTMENT NEEDED
If you'll be starting from scratch, your total investment
should not exceed $200... and it should be considerably less if
you already have a home workshop in your basement.
EQUIPMENT NEEDED
These are the basic tools you'll need:
Variable speed scroll saw
Belt sander (or sand paper)
Drill & drill bits
Scissors
Goggles
Spray adhesive
Hand Vacuum
Work table ( or picnic bench)
HOW MUCH MONEY CAN YOU MAKE?
If you have just a few spare hours available each week, you
should be able to make a nice part time income, a few hundred
dollars or more once you get rolling in this business. Here's a
breakdown of approximate costs and selling prices for the
various size photo figures:
Approximate Cost Approximate
Size Cost to Make Selling Price
-----------------------------------------------
3X5 $1.40 $10.00
5x7 $1.90 $14 to $18
8x10 $3.95 $20 to $25
16x20 $5.00 $30 to $35
Now, figure in your labor and the time necessary to make such
figure which will be about 15 minutes when you complete a few
practices jobs and become accustomed to working with this
material.
Using the largest size as an example, if you had an assignment
for jut 4 figures and you completed each in 15 minutes, this
gives you a gross of $120 FOR an hour's work. Now subtract your
production cost of $5 each or $20 for the four figures, and you
still come up with $100.
Naturally, all jobs won't be for the larger size, but you could
(if you really wanted to) specialize, only in the size to make
the biggest net profits. You might do better, however, if you
will provide all sizes to attract the most customers.
PRACTICE MAKES PERFECT - AND PROFITS
Although this is relatively easy work, a certain amount of
practice will be needed to become proficient. Just how much
practice you will need depends on how skillful you are in
working with your handS. If you already have a workshop in which
you have done creative work, you will probably master 3-D
Figures in just a few minutes after getting a "feel" for the
acrylic materials. Otherwise, it might take an hour or two
before you begin feeling comfortable at this job.
HOW AND WHERE TO BUY YOUR ACRYLICS
Check your local Yellow Pages under Plastics. Acrylic is
generally sold in 4x8 foot sheets, such as wall paneling, but
ask if they will cut yours into smaller 2 x 4 foot sizes, which
will make the material easier to handle when you begin cutting
and gluing.
Be sure to check several sources because prices can often vary
greatly among suppliers. You shouldn't have to pay more than
$100 for a 4 x 8 foot, quarter inch sheet. In fact, ask if they
have scrap pieces available that you can buy. If so, this could
save you a lot of money.
YOU'RE NOW READY TO MAKE 3-D FIGURE
Make sure your shop or working area is well lighted and
ventilated. If you don't already have a scroll saw and have to
buy one, select one with a fast speed because the faster the
speed, the smoother the cut. Always use a sharp blade in your
saw - a fine blade for cutting small details, a wider blade for
larger area cuts. CAUTION: If the blade isn't sharp, it tends to
melt the acrylic.
Take one of your practice photos and begin cutting out the
primary subject for your figure. The primary subject is what you
want to highlight, such as a head and shoulders figure of a
person, an entire group of people, a car, house, pet, etc. All
background areas will be eliminated.
DO NOT cut close to the subject, but allow about an inch all
around making sure your scissors are sharp right to the points.
The size and shape of your acrylic backing will of course depend
on the size of the subject. You'll want to pre-cut a section of
acrylic that will accommodate your photo. A good adhesive for
this is a photo mount spray glue, available at most photo
stores. Before you glue the photo to the plastic, blow away any
remaining dust or plastic chips from the surface or they will
show through the picture.
To mount your photo, first spray your acrylic, then lay one edge
of your photo down and gradually bring it down to the other
edge. You only have one shot at this step, so sure you're
practicing on your own photos before attempting to work for
someone else.
Keep your glue away from fire and flame, and allow plenty of
ventilation to protect yourself from fumes. You can use a rubber
roller to smooth out the photo and eliminate air bubbles. The
glue will dry completely in about 15 minutes.
Now you're ready to make final cut around that border you had
originally left on. Lay the picture down, face up, and begin
cutting... moving the acrylic into blade. To make cuts in the
middle of a photo, such as between arms and legs, drill a hole
where you want to cut... then insert the blade in the drilled
hole and cut out the portion you want removed.
NEXT, INSTALL THE BASE
The base is what will make your figure stand upright and it can
be either a rectangle shape or cut free form - whichever will
make the picture look best. Be sure to sand all edges before
gluing the base. Super glue will probably be your best choice
for this.
When your figure is finished, examine it carefully to make sure
you have made all the right cuts in the right places, that all
edges have been sanded smooth, and that it stands straight on
the base. Now, put the finished figure into a plastic bag for
protection, or have small boxes ready.
At this point it would be a good idea to have small labels
printed with your name and address to put on the bottom (or
back) of each figure. When someone picks it up, they will see
who made it and this can produce a lot of extra business for you.
Don't be afraid to experiment (on your own photos, of course) to
create new and different ideas that will be saleable. For
example, acrylic comes in a variety of colors, so you can
standardize on black or white... or experiment with your color
for the backing and another for the base; or, you might want to
arrange your figures on layers of different size and color
backings. Let your imagination guide you.
SETTING UP YOUR BUSINESS
We've just covered the creative end of 3-D photo figures, but
now we must find an outlet for them, first establishing a
business. You'll need official stationery for this, so decide
what you will call your business, or just use your own name;
John's 3-D Figures or something like that. Any local quick print
shop can print your name and address on letterheads and
envelopes, and it would be a good idea to also include business
cards as well as Statements and Order Forms.
MARKETING YOUR CREATIONS
Check your local photo shops to find out if they offer such a
product to their customers. If not, you have virgin territory.
If they do, see if you can beat the prices they pay and sell
for. Show them a few of your samples and offer to work with them
on a 50/50 arrangement. You do all the work, they make sales to
their own customers. If you have 5 or more shops working with
you this way, the business should keep you pretty busy.
Of course, if you would prefer not to share your profits, you
might want to sell directly to the public. To do this, run small
ads in your local newspapers, something like this:
YOUR FAVORITE PHOTOS COME TO LIFE
Beautiful Lifelike 3-D Figures. Skillfully crafted and mounted
on durable, colorful acrylic. Show off your prize possessions or
those you love on these free-standing 3-D Photo Figures. A
perfect gift for Birthdays, Anniversaries, Christmas and other
holidays. A cherished lifetime gift for as little as $9.95.
Phone ______ (Your name & address)
You can enhance the above ad by including a small picture of one
of your 3-D photo figures, or several samples, to show what they
look like for those who don't know.
SELL BY MAIL
These 3-D Photo Figures make an ideal mail order item, so your
might want to establish your own mail order business. To do this
properly, however, you should keep your ad small (to reduce the
cost) and ask readers to write for information
To those who write, send a friendly letter and circular/brochure
illustrating your sample figures. Include an order form
including your size and prices for the various figures.
Naturally, you will have to ask potential customers to send you
the photo they want mounted, with full assurance that it will be
beautifully created into a 3-D Photo Figure that they will be
proud to display or give as a gift.
Using the pricing example on Page 1 of this report, you can
determine the price for your customers based on your cost, size
of the finished product, and the length of time it requires to
complete.
However you decide to sell your creations, you can quickly build
this into a very profitable part time (or fill time) business in
which you can make $100 or more per hour. Even if you work only
10 hours a week, $1000 weekly isn't to be scoffed at.

Duplicating Special Cassette Tapes

$100 An Hour Simply Duplicating Special Cassette Tapes At
Home
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The Author, his publishers, agents, resellers or distributors assume no liability or responsibility to any person or entity with respect to
any loss or damage or alleged to be caused directly or indirectly by the use of and the advice given in this publication.
It is recommended that the users of this publication seek legal, accounting and other independent professional business advice
before starting a business or acting upon any advice given. This book is not intended for use as a source of legal, business,
accounting or financial advice, but is distribute for information purposes only.
$100 An Hour Simply Duplicating Special Cassette Tapes At Home
Audiotapes and videocassettes are as common as books right now,
and there is an expanding need for reproduction services.
Businesses are the most frequent users of these
audiotape/videotape duplication services. The business world is
making heavy use of duplicates of tapes of conferences, business
meetings, speeches, in-house seminars and workshops. You may also
find yourself copying promotional tapes or sales videos.
Beyond the business world there's an ever-expanding number of
opportunities for tape duplication. Audiobook publishers use tape
duplicating services. Musicians need promotional tapes of their
work. Travel companies often want videos of the trips they offer.
Parents want copies of their home movies to send to the
grandparents. With more than seventy percent of the households in
the United States having videocassette recorders, there is a
large market for tapes of all kinds.
In the videocassette world, the VHS format now dominates the
market. The basic equipment to do the job cost less than two
thousand dollars, and with some looking around you might find it
as low as thousand dollars for good used equipment. The quality
of your transfers will be important.
Duplicating audiotapes will yield one to three dollars apiece.
Videotape copying services can be offered at five to ten dollars
an hour. If you have several machines in operation, you can see
that you can make hundreds of dollars an hour.
Keep away from Illegally duplicating any tapes, for example,
copyrighted movies or audiotapes. Movie studios and other film
producers keep a vigilant eye out for such piracy and they
prosecute andy counterfeiters they uncover.
If you really enjoy this field, you may hire out to do the
original recordings, and then do the duplication, too. This will
be more expensive and require more expertise, so you may want to
plan it for a future goal as your business uncover.
If you really enjoy this field, you may hire out to do the
original recordings, and then do the duplication, too. This will
be more expensive and require more expertise so you may want to
plan it for a future goal as your business grows.
If you don't have all the equipment you need to handle some of
the jobs you're being offered, you may make use of larger
services to do the work and add a broker's fee to the cost.

Slash High Electricity Bills

56 Easy Ways To Slash High Electricity Bills
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your web site, offer it in your newsletter, print it out as a book, give it to your friends, etc. No royalties are necessary. Give it away or
offer it as a bonus with your products. You are not allowed to make any changes to it without permission.
The Author, his publishers, agents, resellers or distributors assume no liability or responsibility to any person or entity with respect to
any loss or damage or alleged to be caused directly or indirectly by the use of and the advice given in this publication.
It is recommended that the users of this publication seek legal, accounting and other independent professional business advice
before starting a business or acting upon any advice given. This book is not intended for use as a source of legal, business,
accounting or financial advice, but is distribute for information purposes only.
56 Easy Ways To Slash High Electricity Bills
1. Turn off lights in any room not being used.
2. Shut off dishwasher for dry cycle. Let your dishes
"air dry".
3. Use a window fan instead of air conditioner whenever
possible.
4. Turn off your TV, radio, record player when not in
use.
5. Use large bulb instead of several small ones where
bright light is needed.
6. Use lamp shades with white liner. This reflects more
light.
7. Replace incandescent with fluorescent bulbs wherever
possible.
8. Teach all family members to turn off lights when
leaving a room.
9. Don't use dishwasher or laundry equipment until you
have a full load.
10. Use outdoor lights only where they are needed.
11. Make sure your refrigerator and freezer door seals
are airtight.
12. Save electricity by using old-fashioned clothesline
for clothes drying.
13. Keep air conditioning condenser shaded from sun or on
north side of house.
14. Vacuum or dust off coils of refrigerator and freezer
regularly.
15. Turn off air conditioning when no one is home.
16. "Instant-on" TV sets use energy even when set is not
turned on.
17. A full freezer uses less energy. Use bags of ice
cubes to keep filled.
18. Never overload clothes dryer and always clean lint
filter after use.
19. Freezers and refrigerators that defrost automatically
use more energy.
20. Let hot foods cool before placing them in the
refrigerator.
21. Remove clothes that require ironing from the dryer
while they are damp.
22. When replacing switches, consider installing solid
state dimmer switches.
23. Use low wattage night-light bulbs that now come in 4
and 7-watt sizes.
24. Place your refrigerator in the coolest part of the
kitchen.
25. Don't "over dry" clothing. It wastes energy and may
damage synthetics.
26. When going away for extended periods, set
refrigerator at lowest setting.
27. Turn off electric water heater when going away for
vacations or weekends.
28. Turn 3-way lamps down to lowest level for TV
watching.
29. Choose light, reflective colors for room ceilings and
walls.
30. Never connect any large appliance to an extension
cord.
31. Decide exactly what you want before you open the
refrigerator door.
32. Defrost refrigerator regularly - when about 1/4 inch
of ice has formed.
33. "Long-life" light bulbs use more energy than standard
life bulbs.
34. Turn off your iron when not using it.
35. Put light switches where they are easy to turn on and
off.
36. Keep appliances clean and in good working order.
They'll use less energy.
37. When using air conditioning, set thermostat at 78
degrees or higher.
38. Keep bulbs and lighting fixtures clean. Dust lowers
light levels.
39. Eliminate unnecessary outdoor decorative lighting.
40. Plant shrubs and trees so that they will shade house
during summer months.
41. Use higher wattage bulbs only for reading and close
work.
42. Insulating your attic will save on operating air
conditioning (also heating).
43. If you have a second refrigerator, ask yourself if
you really need it.
44. Keep the outside exhaust of your clothes dryer clean.
45. Buy appliances on the basis of cost plus operating
costs, not price alone.
46. Buy clothing made of fabrics that require little or
no ironing.
47. Use hand tools in your workshop instead of power
tools.
48. When using air conditioning, keep windows closed &
close off unused rooms.
49. Use reflector floodlights in directional lamps
instead of standard bulbs.
50. Buy only "no iron" sheets and pillow cases to save on
ironing energy.
51. Use adapters to convert table lamps into low-energy
fluorescent lamps.
52. Microwave ovens reduce cooking time by 15% to 20% and
save energy.
53. When shopping for new appliances, ask about
energy-efficient models.
54. Don't use several light bulbs where one will do the
job.
55. Limit the use of appliances that use over 1,000
watts.
56. Check all energy bills closely. Errors can be
costly.

Safe & Legal Deductions To Save On Taxes

55 Safe & Legal Deductions To Save On Taxes
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your web site, offer it in your newsletter, print it out as a book, give it to your friends, etc. No royalties are necessary. Give it away or
offer it as a bonus with your products. You are not allowed to make any changes to it without permission.
The Author, his publishers, agents, resellers or distributors assume no liability or responsibility to any person or entity with respect to
any loss or damage or alleged to be caused directly or indirectly by the use of and the advice given in this publication.
It is recommended that the users of this publication seek legal, accounting and other independent professional business advice
before starting a business or acting upon any advice given. This book is not intended for use as a source of legal, business,
accounting or financial advice, but is distribute for information purposes only.
55 Safe & Legal Deductions To Save On Taxes
1. Cost of having a tax return prepared the previous
year.
2. Dues to professional societies and subscriptions to
professional journals.
3. Medical insurance premiums.
4. Union dues and expenses.
5. Liquidated damages to a former employer, such as for
a broken contract.
6. Gambling losses. (However, winnings are taxable).
7. Money given to non-profit charities.
8. Cost of uniforms and/or special clothing required on
the job.
9. Special shoes required for your job.
10. Special tools, equipment and supplies necessary for
your job.
11. Credit for political contributions.
12. Credit for care of a child or dependent.
13. Earned income credit (for low income workers).
14. Energy tax credit, for making energy efficiency
improvements to home.
15. Charitable gifts such as clothing, furniture, real
estate, etc.
16. Doctor's, dentists, hospital bills.
17. costs of prescriptions, drugs.
18. Expenses for eyeglasses, hearing aids, dentures,
contact lenses, etc.
19. Employment agency fee when looking for work.
20. Moving expenses, when necessary for business related
reasons.
21. Fees for books, newsletters, seminars, etc., that
give tax advice.
22. Upkeep expenses (including laundry, cleaning) for
uniforms, work clothes.
23. Protective clothing such as safety shoes & glasses,
hard hats, etc.
24. Appraisal fee to determine amount of loss for
casualty or theft deduction.
25. Appraisal fee to determine market value of property
claimed as deduction.
26. Home telephone expenses relating to your job,
including long distance.
27. Customer entertainment.
28. Professional licenses.
29. Malpractice insurance (as in case of nurses, doctors,
etc.)
30. Investment expenses for advice paid to banks,
brokers, advisors, etc.
31. Travel expenses to consult with broker, to do
investment research, etc.
32. Cost of safety deposit box rental.
33. cost of preparing, typing, printing, mailing, etc.,
job resumes.
34. Cost of seminars, books, classes, etc., on how to
write a job resume.
35. Travel and transportation expenses necessary for
finding new employment.
36. Meal and lodging costs when necessary for finding a
new job.
37. Cost of education required by your employer for
keeping your job.
38. Cost of education to improve skills required in
performing current work.
39. Donations to churches, religious, non-profit
organizations.
40. Losses caused by accidents, storms, floods, thefts,
etc.
41. Elective surgery such as face-lifts, breast implants,
thigh-tapering, etc.
42. Acupuncture.
43. Laetrile, in states where it is legal.
44. Psychiatric and psychological care and treatment.
45. Transportation to and from places for medical
examinations, treatments, etc.
46. Sales taxes, including big-ticket times such as car,
boat, etc.
47. Mortgage interest.
48. Interest on credit card and department store charges.
49. Interest on loan purchases, such as automobile.
50. Closing costs when selling home & moving, for
business related reasons.
51. Capital gains and losses.
52. Personal retirement plans such as IRA and Keogh
plans.
53. Personal property taxes, state and local taxes.
54. Real estate taxes.
55. Alimony.
NOTICE: This list was accurate at time of publication.
Contact nearest IRS office for current information and any
recent changes in tax laws.

Sewing And Craft Secrets

55 Unique Sewing And Craft Secrets
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offer it as a bonus with your products. You are not allowed to make any changes to it without permission.
The Author, his publishers, agents, resellers or distributors assume no liability or responsibility to any person or entity with respect to
any loss or damage or alleged to be caused directly or indirectly by the use of and the advice given in this publication.
It is recommended that the users of this publication seek legal, accounting and other independent professional business advice
before starting a business or acting upon any advice given. This book is not intended for use as a source of legal, business,
accounting or financial advice, but is distribute for information purposes only.
55 Unique Sewing And Craft Secrets
Save Time and $$$
1. To Open that Stuck Zipper: Rub the teeth with a bar of soap or
spray with shaving cream.
2. An Ideal Pin Cushion: Use a bar of soap. Makes sewing easier
and needle just slides through hard material.
3. To Unwrinkle Plastic Materials: Heat ironing board with iron,
lay material on board, then smooth with hands.
4. Neat and Easy Needle Threading: Dip tip of needle in clear
nail polish and let dry.
5. How to Remove Scorches: Wet scorched area and cover with
cornstarch, then brush off when dry.
6. Lengthen Life of Wooden Clothes Pins: Boil them in a salt
solution.
7. A Neat String Dispenser: Nail a funnel to the wall and pull
string out of bottom of funnel.
8. Tips on Storing Plastic Curtains: Sprinkle talcum powder
between the layers as you go.
9. Basting Made Easy: Just tape then sew around the pieces of
tape.
10. How to Revive Old Clothing: Shave those fluffs off with a
safety razor.
11. Make an Emergency Clothes Brush: Wrap a piece of tape around
the hand, sticky side out.
12. Stop Clothes Catching on Wooden Hangers: Put a coat of clear
nail polish over splinters and rough edges.
13. A Needle Sharpening Pin Cushion: Use steel wool to fill your
cushion.
14. Quick Needle Sharpening Trick: Rub needle against an emery
board.
15. Make a Good Yarn Preserver: Wrap yarn around a moth ball for
storage.
16. Handy Tip for Cutting Fur: Use a razor blade on back of fur
when cutting and you will not cut any hair.
17. Tips on Sewing Slippery Material: Stick a piece of waxed paper
in seam, pull away when finished.
18. Easy Pickup of Needle Spills: Use a small magnet.
19. Excellent Knitting Tip: Keep ball of yarn in nylon stocking -
will flow out free of tangles.
20. How to Get Rid of Shiny Pants: Make a solution of one part
vinegar to four parts water. Soak a cloth in solution, wring
out, place over pants and press lightly.
21. When You Need Heavy Duty Thread: Use dental floss.
22. Make a Handy Tape Measure Holder: Wind tape around an old
adhesive tape spool.
23. Prevent Nylon from Yellowing: Add baking soda to your wash
and rinse water.
24. Make a Perfect Sock Darner: Pull socks over a light bulb -
makes it easier.
25. Restore Velvet Like New: Brush good, then hang in a steamy
bathroom.
26. How to Get Rid of Knots on Sweaters: Rub lightly with a piece
of sandpaper.
27. How to Remove Lint from Wool: Use a damp sponge and touch
lightly.
28. Caring for Leather: Brush with skim milk every three months.
29. Repair Scuffed Patent Leather: Cover with same color polish,
let dry; then cover with clear nail polish.
30. Repair Cracking Patent Leather: Before each wearing, rub
briskly with your hand, then a soft cloth.
31. How to Soften Leather Shoes: Sponge with black coffee.
32. Create Rainbow Colors for Bottles and Vases: Use floating art
colors available from most paint stores. Take a pail and fill
it with water, then put a few drops of several different art
colors on top of water. You can now take any article you wish
and dip down through the colors slowly back and forth. Great
for decorating above items, tye-dye shirts, etc.
33. To Protect Your Sewing Bag: Stick the point of your closed
scissors into a cork.
34. Neat Pin and Needle Container: Save those stick deodorant
containers. They work great!
35. Renew those Worn Out Blankets: Sew cloth on both sides and
you have a new quilt.
36. To Ensure the Sections of Material Cut from a Pattern are
Accurate: First press the sections before laying them to be cut.
37. Breath Life into Those Worn Lingerie Items: Machine stitch
over small breaks.
38. Keep Needles Rust Free: Stick them straight into a bar of soap.
39. Money Making Craft Business You Can Start Today with Low
Overhead: Try making seat cushions. In many cases you will be
able to beat the high prices charged in stores. Try selling for
50% less.
40. Eliminate the Old Hemline in Your Wool Clothes: When lowering,
sponge with vinegar, then press.
41. Save Repair Bills on Your Sewing Machine: Try oiling and
delinting first before sending out for costly repairs.
42. Handy Substitute for Hemline Chalk: A bar of soap works fine.
43. Prevent Your Thread from Knotting when Basting: Tie a knot in
the thread before snipping off.
44. Remove Stains from Suede: First rub with a emery board, then
leave in a steamy shower or apply light steam from your iron.
45. Remove Grease From Valuable Silks: Rub in baby powder and let
stand several days, then brush out. Powder should absorb the
grease.
46. Tip on Ironing Ruffles: Always iron these on the wrong side
and from the edge in.
47. Handy Tip for Ironing Skirt Hems: Always make sure hems are
fully dry. Iron from bottom to top, not side to side. Iron
with the grain of the fabric.
48. To Iron Embroidered Items: Lay right side down on a terry
cloth and press out.
49. Don't Pop Your Button: Cover them with a spoon while ironing.
50. Ironing Seer Sucker: If you ever have to do so, on the wrong
side only.
51. Fast Easy Way to Remove Lint: Put your garment on the fluff
cycle in dryer for a few moments.
52. Handy Tip for Filling Steam Irons: Your old squeeze bottles
work great!
53. Quickie Iron Tip: Place Reynolds Wrap under the ironing board
cover. Heats up faster and cuts your time in half.
54. Patchwork Tip: Before your sew a patch on any washable
garment, be sure to wash the patch once to avoid shrinkage.
55. Cool Folding Tip: After ironing, be sure to let the garments
cool completely before storing.