Creative Thinking Make you Richer

When solving problems after you have exhausted the normal means
of coming up with the solution, think in terms of unorthodox
methods. Vary your thinking and try to solve the problems by
creating something completely new and irrelevant. Come into the
problem through the "back door".

Research and curiosity go hand in hand in solving the toughest
problems. Quite often the answer is so simple, it is not
obvious to us. Use an organized plan to work with and record
the results logically so you will have a format to follow and a
basis for review as you proceed to create something new or solve
an "unsolvable" problem.

Creating new programs or products by association is another
method of thinking. You first think of an object which is
similar or adjacent to the subject item, then continue the
"chain" of associated thoughts until new and useful programs or
products emerge as ideas. Relate these ideas to the subject
item by trial and error or by analysis of all the variables
involved.

Plain old fashioned "daydreaming" is another method of creative
thinking. Make up a fantastic story in your mind and try to
visualize (dream) your way to a successful conclusion based on
what results you are trying to achieve.

Consider all the alternatives to what you're trying to come up
with. Gather together and analyze all the data you can find
about the subject. If you get into a rut, leave it lie. Go to
some other aspect of the puzzle. come back to it later. Quite
often as you progress it will suddenly appear, bright and clear.
When it does, write it all down so you won't lose it as your
mind drifts to the next step.

Complete one step at a time. By breaking it down to size you
can solve it in segments. Don't try to override your mistakes.
Recognize them and bury them so they will help, not hinder, your
progress toward your creative goal.

Don't further confuse the issue by doing so much study and
research that there are too many roads to take.

Profit In Flea Marketing

On the outskirts of nearly every town across the U.S.,
especially in The spring, summer and fall, you will see a Flea
Market set-up. Often there will be hundreds of trailers, booths
and tables in a large field just off a major thoroughfare. How
do these people operate? Where do they get their merchandise?
Do they make any money?

Whether they make any money or not depends on the way each
individual merchant operates, what type of merchandise is
offered and how much time is devoted to the business.

Most of them set up their wares on weekends an spend the rest of
the week searching for goods to sell. Good antique dealers who
know their product generally make very good profits. Clothing
dealers, in the right location, can often bring in up to $600 on
a typical weekend.

Jewelry, including rings, various kinds of necklaces, and silver
and gold are bIg sellers.

Large, heavy and bulky items are not generally favorable for
flea markets.

The secret to making a profit in Flea Marketing is not what or
how you sell. It's what you buy and how you buy it! You must
find items which will sell for 8 to 10 times more than cost,
unless you have really favorable products that will sell in
large quantity. The products should be unusual; things which
can't be obtained locally, unless the price is substantially
below market.

You can get seconds and damaged goods direct from many factories
across the country, often at very little cost just to get them
out of their warehouse where they are taking up room and
gathering dust. Call on the managers in person or send letters
offering to purchase factory closeouts, etc. Hand out your
business cards letting people know that you are in the business
of purchasing various kinds of merchandise.

Auctions, garage sales and yard sales are other good sources.
Don't overlook the classifieds in the paper.

Offer to clean out attics and garages and haul "junk" away.
Many times the "junk" turns into the most lucrative profit
items. You will have to learn to "bargain" with the people on
all your purchases in order to get them to sell for a low
figure.

Set Up A Tax-Saving Bookkeeping System

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.

Money At Flea Markets

Over the last several years the flea market and swap meets have
become as American as apple pie. According to a recent issue of
Swap Meet magazine, over 600 such functions are being held on a
regular basis. Most of these are weekend affairs, but more and
more are operating every day of the week.

The biggest flea market of them all is the monthly affair held
on the grounds of the Pasadena Rose Bowl. Over 40,000 people
attend this function, with over 2000 "dealers" selling their
wares. Another giant of the circuit is the one held each week
in San Jose - the famous San Jose Flea Market. It isn't unusual
for 25,000-30,000 people to visit this great function each and
every day, rain or shine. It is so popular and profitable for
the "dealers" that nearly 50% of the spaces are rented on a
permanent basis. At timeS there is a one or two year waiting
list to get a permanent space.

Practically any item imaginable can be - and is - sold at these
affairs. Your author has visited several, and talked to
hundreds of dealers. The overall average NET INCOME seems to be
around $125 per day. Some of the so-called "smart" people are
earning as much as $500 per day. Most of the people sell two
days per week, while some travel and sell four and five days a
week.


What to Sell

As mentioned before, almost anything can be sold at flea markets
and swap meets; however, some lines seem to outpull most of the
rest. I know one guy who has set up a regular route and
collects used spark plugs from dozens of service stations and
garages. He takes them home, soaks them in a cleaning solution
and then applies a spark plug sand blasting machine. He then
sorts them according to application and packages them according
to the size of the engine. You will find him every weekend at
the San Jose flea market, offering his products for $1.50 per
set. He tells me that he is usually sold out by noon every day
- which is all he wants to work anyhow. He averages about 100
sets - or $150 per day.

One of the most popular lines to sell is clothing: jeans,
blouses, shirts, skirts, etc. - both new and used. Shop the
Goodwill and Second Hand stores for your inventory. Also keep
an eye on your local newspaper for closeouts.

Other popular items are jewelry, auto parts, tools and used
books. As always, flea market shoppers are looking for a super
deal on anything they buy. So be sure to price your merchandise
below the retail price; the lower the price, the faster you'll
sell - dealing in volume will make your NET PROFIT higher!
$25,000 per year, working just three or four days per week, is
not unusual in this business.

One guy, an electronics engineer who was without a job, started
selling unusual novelty items at the flea market. Inside of
just five weeks, once he discovered what was selling at his flea
market, he was earning $500 per week - more than he earned at
his old job.

Perhaps one of the most profitable items to sell at flea markets
is used paperback books. It isn't unusual for a serious dealer
to earn over $200 per day selling this line. People will buy
books at all times of the year - nearly everyone reads
something. One such dealer is Willie Nelson, who earns his
full-time income selling books at the flea market. He spends
two days each week locating used books, and two days per week
selling them. On average Wilie sells over $300 worth of used
books each week, and his cost is less than $50 for the
merchandise, along with about $10 per week for the rental space.

The last time I visited a flea market I counted seven different
dealers specializing in used books, and all of them were selling
something. The largest dealer, with a giant selection, was
pricing his books at 25% of the cover price - and they were
selling like hotcakes. His cost for the books was about 5 cents
each. So you can see that his profits were excellent.

To conclude this section, remember, nearly anything will sell at
flea markets and swap meets if the discount is large enough, but
some items will sell faster than others. The big sellers are
clothing articles, auto parts, tools, jewelry, toys and used
paperback books. Later in this presentation I'll give you some
ideas that will be helpful in locating your merchandise at the
right price.


How to Sell

If you are selling other than hand-crafted items, most people
are looking for a real bargain. If an item sells for a dollar
in a store, you must be prepared to sell it for less, no matter
how new it looks.

If you have access to a public address system or a call horn,
use it! You have the added versatility of telling people what
you are selling even if they are too far away for you to see
what you have for sale.

When you set up your table, step in front of it to see if it
catches your eye. Don't forget bold signs, especially for the
smaller items you have for sale. Remember, most of your crowd
is just walking by, therefore, you must attract their attention
in some way, make them stop and look. Display racks can be used
for making your item look more expensive - and thus a better
bargain.

You might be able to make use of a rack on top of your car. It
can carry things to and from the flea market and hold signs to
attract customers while you are there. Also, remember how you
packed the car. If you're outdoors, and it rains, you'll want
to repack your items in a hurry!

Prices have to be clear unless you intend to haggle. If you
decide to haggle, quote a price higher than what you expect to
sell for, and come down to the level of the price you have
decided your article is worth. It is generally not a good idea
to haggle over very low-priced items unless the customer wishes
to purchase an exceptionally large quantity of the item. If
you'd rather simply sell your items for a set price, make signs
that are easy to read from far away. Be sure to bring a marker
and extra paper in case you decide to raise or lower your prices
at any time during the day.


Things to Bring

Another person. This is very important. You will not want to
leave your table unattended while you go to the restroom or to
look at something on someone else's table. You'll also be glad
for the company if things get slow.

Plenty of change. You wouldn't want to lose a sale because you
couldn't change a given dollar bill, would you?

Be sure to bring chairs or something else to sit on. It can be
a very long day if you have to stand.

Check to see if tables are provided or if you are expected to
supply your own. Make sure in either case that you have enough
display space so that your items are not hidden.

It is also a good idea to bring a thermos or cooler with drinks
and food to last you the day. Much of your flea-market profit
can be spent at the concession stand if you don't!

Check to see how much of an admission fee there is and be sure
to bring it. Also ask if there are any items that are forbidden
for sale.

One last thing: Get there early! At some eight o'clock
openings, for example, the lines start forming at five a.m.
Have a good time!




Sources of Supply...

The following sources of supply are good for purchasing the
merchandise indicated within each listing. These are the items
that have proved profitable over the years by successful flea
market merchants. Write to them for full pricing details
(addresses accurate at time of publication, but cannot be
guaranteed).

Lakeside Imports, 6800 N. Campbell Ave., Chicago, IL 60645.
Provides a large selection of merchandise available at up to 85%
discount. Write for catalog.

Atlantic Imports, 743 Beaubien, Detroit, MI 48225. Fast-selling
low price items are available at giant discounts. Write for
wholesale catalog and prices.

Sheldon Cord Co., 2201 W. Devon Ave., Chicago, IL 60625. Giant
selection of nearly anything you wish to sell - featuring
close-out prices on stereos, jewelry, toys, gifts, gadgets, etc.
Send $1.00 for giant catalog.

Wallfrin La Cal Industries. 1535 Har Pl., Brooklyn, NY 11224.
Offers catalog of auto accessories. 50% discount and more.

North American Auto Supply, Box 897, Aurora, IL 60507. Oil
filters for all makes of car. Write for price lists.

Unique Products, 426 S. Clinto St., Chicago, IL 60607. Air
fresheners, deodorizers and novelty items. Catalog available -
discounts to 80% or more in volume.

Bar Zim Co., 930 Newark Ave., Jersey City, NJ 07306. Games and
toys. Free details.

Flinson Co., 6014 Kentucky Ave., Raytown, MS 64133.
Fast-selling household items ideal for flea markets. Write for
catalog.

Salton Co., 519 E. 72nd St., New York, NY 10021. Or, Gallant
Co., 527 W. 7th St., Los Angeles, CA 90014. Catalog on gift
appliances available.

Scan-Am Co., 23404 Harland, Canoga Park, CA 91304. Large
selection of gift products available, the kind that sell at flea
markets. Free price list.

Ward International, Box 3268, Granada Hills, CA 91344. Loads of
specialty merchandise that sells good at flea markets. Free
catalog.

Edwards Products, Box 63, Cherry Hill, NJ 08034. Good products,
such as the "Hamburger Maker". Free catalog sheets.

Leather Co., Box 71, Nestor, CA 92053. All types of jackets,
purses, wallets, etc. 75% discount and more Write for free
catalog.

American Cartridge Recording, 24 W. Sheffield Ave., Englewood,
NJ 07631. Offers stereo tapes - all brands. Free catalog.

Jakla Gems Co., 2849 Southport Ave., Chicago, IL 60657. Catalog
of rings and other jewelry - discounts to 90% of retail prices.

Worthington Gem Co., Box 1324 New Brunswick, NJ 08903. Catalog
or rings and stuff - discounts to 80%.

Federal Vending Co., Box 1713, Des Moines, IO 50306. Complete
line of vending machines. Ideal side-line profits at flea
markets. Write for details.

Stride Publications, 11 W. 42nd St., New York, NY 10036.
Assorted titles of paperback books - Free catalog.

Nostrand Book Co., 276 Brighton Beach Ave., Brooklyn, NY 11235.
Used and over-print paperback books.

Select Discount Books, 712 S. Missouri Ave., Clearwater, FL
33516. Surplus, overstocks, remainders, etc., paperback and
hardcover books. Up to 85% discount.


Miscellaneous Sources of Supply...

Good used merchandise sometimes can be located at the right
price at garage sales, local Salvation Army Stores, Goodwill,
rummage sales, etc. Check the local factories in your area.
Seconds are big sellers at flea markets.

Check the classified ad sections of your newspaper for super
sales - going-out-of-business offers and that sort of thing. In
this fast-moving market local close-out sales may be your best
supply source.

Last, but certainly not least, how about looking around the flea
market itself? Lots of people clean out their garage and bring
their "junk" to the flea market to sell. If you catch them at
the right time, make an offer on their stuff. If you are going
to be there each week, you can afford to take the chance,
whereas they don't want to have to cart back the stuff that
doesn't sell.

Remember Willie Nelson, the book dealer I mentioned before?
Most of his used books are purchased right at the flea market.
What he does is look around at the tail end of the day and make
an offer to purchase the whole lot of books that people are
trying to sell. He once took a look at four boxes of used books
- about 200 of them - and bought the whole lot. The owner was
asking 25 cents each, and the cover prices ran from 95 cents to
$1.95 each. He bought he entire lot for 5 cents each and the
owner was thrilled to death. He certainly didn't want to tote
the books back home again; to him, some bucks were better than
no bucks at all.

Here's another tip you should remember: a large percentage of
the sellers at flea markets are there just for the day, while
you are the Professional Fleamarketeer... so don't get desperate
and try to unload at any price. What doesn't sell today may
very well sell tomorrow, or next week. If you keep your
inventory up, the sales will come, provided you have carried the
right line of merchandise.


A Few Thou Shalls and Thou Shall Nots

Everyone enjoys earning a profit, but there is also a great deal
of ego boosting by the buyers when they are able to reduce your
"asking" price. Remember, everyone at flea markets and swap
meets is looking for a bargain. If you are selling, for
example, brand new electronic watches, with a retail price of
$50 and a cost to you of $12 your asking price should be $35 -
let them talk you down to $25. This still gives you a tidy
profit, but more important, your customers have saved a big $10,
and they're happy.

Once of the most successful Fleamarketeers I know sells nothing
but $1 sellers, and he sells out nearly every day - all he can
carry in his van. He specializes in just one or two items at a
time. The last time I passed his space he had set up a
peg-board display and was selling disposable lighters and new
double-edged razor blades, both well-known brands. Because he
buys these two items in such large quantities his cost is just
about 15 percent of retail price. Now you are going to say,
"How in the world can you make any money at about 50 cents
profit per sale?" Well, if you sell 500 units per day, that's
$250, right? This guy has sold as many as 1000 units in a given
day, and that's $500 profit!

For small items that you might price under $1, use a box, and
make up a sign, "Any Item in this Box 99 cents each". People at
flea markets love this type of thing... they will buy items on
impulse if the price is right! Walter Harpin was selling toy
items one year, with an asking price as low as 50 cents up to
$1.50 each. This was during the summer months, when there were
lots of kids around, most of them with a buck or two in their
pockets. Walter set a great big box in front of his space, tied
a few balloons around the edges and priced everything in the box
for 99 cents each. Within an hour the box was empty. Needless
to say, from that point on Walter had two and sometimes three
such boxes full of such items. His profits nearly doubled when
he used this method, and you'll find him at every flea market
meeting day in San Jose.

If you are selling used merchandise, be sure to polish
everything before you put it up for sale. Clean "junk" will
out-sell dirty "junk" every time.

Don't be afraid to be different! Some sellers string up flying
banners - the type popular with car dealers - or balloons.
Anything to attract attention and people to the space. Another
idea is to find something unusual and big to place upfront.
Something that everyone will stop and inspect. Then place a
ridiculous price on it and make up a story that attaches an
emotional value on it. One woman came up with an old wooden
horse from a merry-go-round, and put a price of just $1 on it.
It didn't sell, but the people sure gathered around her space -
and her sales were fantastic!

Send for a copy of Swap Meet magazine, which provides
interesting reading about the business, and contains a directory
of every flea market in the world. Write to Swap Meet, 793
Higuera St., San Luis Obispo, CA 93401.

With the exception of used books, the best-selling merchandise
is NEW stuff - not old, used junk as most people would guess.
Purchase in lots at rock-bottom price, keep your selling price
under $3 and offer discounts of at least 30% of retail. It will
make the difference; you'll carry home money instead of
merchandise.

When you are stuck with slow-moving merchandise, offer it in
groups - two for the price of one, three for a buck, that sort
of thing.




Answers to a Few Key Questions...

Q How much profit should I expect?

Take your cost and add 40%, on the average. Some items, such as
used books, will allow for more profit. And then, of course, if
you buy smart, you will certainly make more.

Q Do I have to collect a sales tax?

Yes, but most flea markets provide you with a form to fill out;
you collect the tax and turn it in at the end of the day. A
better way to handle this, though, is to obtain a permit from
city hall and collect the tax yourself.

Q What is the average cost of space?

Usually between $3 and $10 per day for an open space. If you
are going to be there regularly, it may be a good idea to rent a
permanent space, which can run as little as $50 per month. Some
markets offer covered buildings, which may be locked at the end
of the day (meaning you don't have to lug all your stuff home).
Spaces in these buildings average about $150 per month.

Q What equipment will I need?

How high is up? Some types of merchandise require display
racks, the peg-board type; others can be stacked in boxes, or
on portable shelves. A good folding table is useful for
displaying your merchandise, and you will need a few paper bags
for your customers. Other than that, a cash box that locks is
all you'll need. However, don't forget about yourself! Bring
along some creature comforts - a chair, radio, refreshments,
etc. During the summer months it's also a good idea to bring
along something that provides shade, unless you enjoy having
your top exposed to the rays.

Q I can't operate as a salesman - what kind of pressure is
required?

Flea markets have become a family outing type of thing these
days, and most people are having a good time simply hunting for
super bargains. For the most part you should either mark the
price on each item, or make up signs stating your prices.
Actually, there is very little selling you have to worry about,
and certainly no pressure. Pick your merchandise carefully,
price it right... and the rest will take care of itself.

This report cannot possibly give you all the facts, but it will
get you started earning some bucks at the flea market. The more
you get into it, the more you learn. And the more you learn,
the more money will come your way. you might give it a try.

Recycling An Easy Source Of Extra Income

Just look around your own home--in the garage or the
basement. What do you do with the old newspapers after
you've read them? Most likely they are piled up in a
corner of the garage or basement until one of your kids
asks if he can haul them off for the school or cub scout
paper drive. Or maybe your wife and kids get ambitious
some weekend, clean out the garage and haul all those
newspapers off to the collection truck at the local
shopping center.

It's true that selling stacks of newspapers you've
accumulated during the past couple of months or so won't
make you rich, or really mount to much of an extra income.
But think about the stacks of old newspapers you would have
if you were to collect and haul away for the people in your
neighborhood--say a ten-pound stack of newspapers from each
house on your street every Saturday. The picture changes,
doesn't it?

If you're serious, and get yourself properly organized, you
can easily make $300 or more every weekend.

Right now,the going rate for old newspapers is about $50 a
ton, depending upon your area. Most recycling depots prefer
the paper lose rather than bundled or sacked. Check with the
recycling plant you plan to sell to before delivery to them.
Cardboard--ordinary cardboard boxes that have been flattened--
is bring approximately $75 a ton. If you're going to collect
old newspapers, you may just as well take cardboard too. Most
people have old boxes around that are just taking up space,
and some will even pay you to get rid of them.

You start clearing a space in your garage for storage. One
side of a two-car garage, or just an 8 by 12 foot space would
be sufficient. If you have a garden shed that is dry, that
would work well also. Some collectors even rent space in a
neighborhood mini-warehouse.

Next, you should place and ad in your community newspaper or
the weekly shopping news, something like this: Junk, old
newspapers and cardboard boxes hauled away. Phone 123-4567.
Then visit your neighbors. Tell them you are collecting and
hauling away all the old newspapers and boxes in the
neighborhood each week. You might offer them $5 a month if
they' have everything ready for you when you make your
weekend collection round.

On Saturdays, starting at about 9:00 a.m., rent an open
trailer and hitch it to your car. if you have a pick-up
truck, so much the better. With your wife and kids, a couple
of neighbor boys, or perhaps a couple of teenage "huskies"
you've hired through your local high school, start making
your rounds.

You drive the car with the trailer. Your helpers, one on each
side of the street, knock on each door and ask the residents
if they have any old newspapers or cardboard boxes you can
haul away for them.

It would be advantageous for you to have a large sign on
each side of your trailer, and on each side of the car as well.
It might read: Paper Collection Service.

Visit the people you've talked to on your block first. That
will give you some paper in the trailer and from there, you
just expand. Go to the next block and the next, driving up and
down the streets, visiting, stopping at all the homes, in an
ever expanding ripple from your own street.

When your trailer is full of old newspapers, you can either
take them directly to your recycling plant and sell the load,
or take them to your storage area, unload them, and get
everything organized. It's very important, though, that you
get right back to the job of knocking on doors and collecting
more newspapers and cardboard.

Some people will (foolishly) collect a load, take it in for
sale, and then waste the time gloating over the easy money
they've just made. One load won't make you rich or even pay
for your time. Get right back on the job and collect as many
loads as the daylight hours will allow.

Make the same rounds; follow the same collection route, at
least once every two weeks. Once you've got the routine working
well, you'll be ready to hire a couple of high school or college
students to help, perhaps with another car and trailer.

The best way to pay your help is with a percentage of the
tonnage you sell. And then too, once you have it all together,
you'll want to go with a truck or trailer that allows you to
haul a couple of tons of paper per load.

It's important that you make regular rounds, calling on the
same houses regularly. After about six months of this, you'll
be ready to open a local recycling depot.

This simply means taking the accumulation of paper out of your
home or garden shed ad moving it to a business location. Because
of your advertising in the newspapers, and the sign on your
truck or trailer, people will be calling you during the week to
come and pick up paper they have ready for you. Also, your
neighbors will very likely be dropping by with armloads of paper
for you from time to time, as well. Specifically, these are the
reasons you'll need storage space to store paper in your garage
or other storage area until you have enough to load up and take
to the recycling plant.

One of the best locations for your recycling depot is an abandoned
or closed down service station perhaps a vacant , or even a
corner of a large shopping center parking ara. You'll need a
scale (you can rent or lease one of these for a small amount),
and a quick set-up tent or large truck.

What you want to do is establish a location where people can come
to you They bring their newspapers and two cents a pound for
cardboard boxes. You an hire someone to man this center for you
during the day, or perhaps only open between 4 and 6 o'clock in
the afternoons. Advertise your hours, and be dependable, so that
people can count on you.

Even though you have a collection depot, you'll still want to
continue your weekend collection rounds. But with a collection
depot, you can hire other people to do the driving, knock on
doors, make the collections and transfer their loads into the
depot facility. If it's a big truck or trailer, you'll be selling
ten to fifteen tons of paper whenever you make your trips to the
recycling plant.

Another important thing you should think about doing is getting
the whole community involved with you. Get them to thinking about
recycling paper and selling to you. Run some promotions; work for
free publicity;and be conspicuous. Don't be embarrassed; everyone
is aware of te need for recycling everting that can be recycled.
And you'll be admired as someone with the ambition to make it
happen, picking up a good second income while you're doing it.

The complete business start-up manual HOW TO START YOUR OWN
PAPER RECYCLING SERVICE, can be obtained from the distributor
who supplied this report. Ask for Manual #3316

Develop Money Making Ideas

It isn't the billions of ideas, that pop up in the minds of
humans around the globe that make money. Very few ideas are
worth the time it took for the thought. Most ideas are fleeting
"sparks" that go no place and are forgotten before the next day.
Of the ideas that are good, very few are followed up and ever
end up as a worthwhile development in the market place. Most
people are just not oriented to do anything about their ideas,
while others believe it would take too much of their time and
money to follow through to completion. This leaves the market
place wide open for the person who learns how to "Create"
Profitable Ideas!

There are three major formats you can use to create profitable
idea:

1. Find something that already exists, the presence of which has
never been known before.

2. Invent something. Most inventions are merely new arrangements
of things that have already been invented.

3. Alter or improve in any number of different ways something
that already exists.

As you "Create" ideas, write them down. What you dream up can
be your key to great wealth. Keep your mind "open" as you go
through each day. What did you notice in the department store
that would reduce costs, save money or increase sales if some
simple procedure were added or something changed?

Ideas for improvements are one of the most valuable things you
can contribute to society and at the same time add to your bank
account. To create ideas for improvements, consider every
possibility and alternative for the thing you want to improve.

Learn to create ideas by evaluating all the different aspects of
the product, method or concept you are interested in. Put your
imagination and subconscious to work and write down your
thoughts pertaining to each of the things you expect to improve.
Use the New Wealth, "Idea Format" that follows as your guide for
creating Money-Making improvements.


Idea Format:

List the things you want to improve:

- Why should it be improved?

- Who will benefit from the improvement?

- What is wrong with it at the present time?

- Did someone else cause a problem with it?

- How do you propose to improve it?

- Do you have the facilities to do the work required?

- Do you have the know-how to do the work required to
improve it?

- Exactly what part needs to be improved?

- Should it be smaller? Larger?

- Should the color be different?

- Would more activity help make it better?

- Could it be combined with something else to make it more
practical?

- Would a different basic material work better?

- Is it too complicated, could it be simplified?

- Would a substitute be more meaningful?

- Is it priced too high?

- Would a change in personnel help the situation?

- Can the shape be changed to advantage?

- Can a new marketing plan make the difference?

- Is it safe?

- Can it be mass produced to bring the unit cost down?

- Should the appearance be changed... streamlined?

- Is there an adequate guarantee?

- What can make it appeal to a bigger audience?

- Would new packaging or trade name enhance it?

- Can it be made heavier, lighter, higher or lower?

- Can it be franchised?

- Is there a good maintenance program to back it up?

- Can financing be simplified?

- List ways to increase production:

- List ways to increase sales:

- List ways to reduce costs:

- List ways to increase efficiency:

- List ways to improve quality and increase profits!

- What can be done with it to satisfy more people?


This New Wealth "Idea Format" will start the ideas "sparking"
and as related ideas come to mind write them down in every
variation you can think of. Do not judge the good or bad points
of the ideas as they materialize to you, just write them down
and judge them afterwards. You will stop the flow of ideas if
you are critical of your thoughts before you put them on paper.
When you have answered everything you can about the product or
concept and know how it fits in with your plans, sit down and
evaluate all the details you have written.

After you have found (created) a good idea, follow it up with
questions on what should be your next move in order to do
something about it, then act! Get it moving. Expose it to the
world with sufficient tests to determine the value!

Come up with ideas that are still in the processing stage rather
than get stuck on several vague points that may be worked out
later as your subconscious goes to work. If your idea fails, so
what; you are just that much closer to finalizing another one,
then another... until a useful more valuable idea is born.
Every manufacturing plant, retailer, attorney, accountant;
every business person, large or small, cannot continue to
operate in the competitive world of today without someone in the
organization constantly coming up with new and better ideas!

Old ideas drop by the wayside as new ideas take their place.
Old companies without new ideas fade away.

Those who learn and know how to create ideas and anticipate the
changes needed, as the future evolves, have the opportunity to
be a great success with big money-making potential!

Another "tool" you can use to help dream up that million idea,
is to spend several minutes each evening, relaxed with your eyes
closed. Pick any object that comes to mind and try to change it
in your "mind's eye". Change it in every manner you can think
of to improve it.

The following evening pick another subject or object and repeat
the process. Soon you will be using 20% of your brain power
instead of the 10% normally used by the average person. As your
knowledge and "brain power" increase so will your bank account.

Just think what we could accomplish if we could get the other
80% of our brain power working? On second thought, let's not
try to get 100% efficiency out of your human computer . . . we
would probably blow up the world for sure.


Protecting Your Idea

When you have come up with a good idea, write a full description
of it and make a sketch if necessary. Place the written
information, the sketch and any other pertinent facts or
documents in an envelope addressed to yourself. Have the post
office seal the envelope with a date stamp over the flap, then
send it to yourself by registered mail. Keep the envelope,
unopened, in the event you need to prove ownership. Of course
if your product has a properly registered trade mark, has been
copyrighted, or you have a U.S. patent you are protected from
infringement.


A Few Idea "Sparks" !

When you come up with an idea, program or product that is so
superior in style or performance that it is unbelievable you may
need a notarized statement to assure your customer you are
offering an honest deal.

Make a habit of examining each piece of correspondence you
receive, taking care of it right at the time, do what is
necessary right then. Never put it aside to be handled a second
time if it all practical. This can save more time than anything
else for an executive who handles a large amount of
correspondence and mail. You can also save many more hours each
week by doing several of the most important things that need to
be done each day before you take up other, time consuming
important details.

Another good way to "spark" ideas is to go through the
classified and want ads in the newspaper ... Also the yellow
pages of your telephone directory. As you read, think of
something that would be of value to the company or person, or
enhance the item you are reading about.

In summary, learn to develop ideas from observing everyday
things and details. Think of what could make something better.
Dwell on things that have a large marketing audience, something
that everyone needs and wants. Write your ideas down. Put a
pencil and pad at your night stand. When you remember a good
dream... don't just lay there, by morning you will forget it...
Jot it down on the pad. You will be surprised what you can
dream up! Maybe the million dollar idea will magically appear
on your pad tomorrow morning!

Make $20.00 For Every $1.00 Invested

t has been said you can lift the Rock of Gibraltar if you have a
fulcrum point and long enough lever. When we refer to "financial
leverage" we are talking about the same principle. If you buy a
business building for $100,000 with $5,000 down, this is using
leverage of 20 to 1. For a mere 1/20th of the purchase price, you
actually own and control property that is 20 times more valuable
than your cash investment.

If the income of the building is only sufficient to make the
payments and expenses and you don't gain any cash flow, you are
still getting the building paid for and perhaps in 5 years or so,
with continuing inflation, you can sell the building for
$200,000... a gain of $95,000 on a $5,000 investment. This is the
potential result of proper use of leverage.

A good rule to follow in applying leverage, relevant to any
business venture for that matter, is always provide a reserve.
Hold back some cash for emergencies. Hold back additional capital
so if you go under you will have a nest egg to start a new
venture.

Sometimes when things go sour and there is no way out it is
better to take the least loss possible, save what you can and get
out...NOW! Use the remainder to again find financing, margin
leases, mortgages, franchises and all the other manners of using
money belonging to others for both their profits and yours.

Selling your property for cash then leasing back on a long term
lease is an other form of leverage. If you sell for one million
dollars cash and lease back at $10,000 per month, you have
generated tremendous leverage. You now have $1,000,000 each with
10% down for each property, you now control 10 millions dollars
worth of income producing properties. Sometimes it is possible to
use options to hold property, with very little cash down, until
you can obtain title and take possession. This can produce
fantastic leverage if planned property.

Going public is an other method used to gain leverage by using
other people's money. You receive money from the public for
shares of your corporate stock and at the same time establish a
market value for your unissued stock.

Before you apply leverage on any proposition, be sure know just
what your are doing. There must be a continuous favorable cash
flow to service your debt, pay all your costs and expenses and
give you a reasonable profit. If weakness occurs in any one or
several of your business entities, it could drag down your entire
organization.

2. IN FRANCHISES

Franchising your business operation packet is another form of
leverage. You are selling others your know-how and the right to
use your system and/or product for a price, either a share of the
profits, a bulk payment or a combination of both.

It is not as simple as it used to be to become a franchiser, due
to controls and red tape established by the various state and
governmental agencies. In some states it is just about impossible
for the layman to proceed to wade through all the red tape
required to satisfy the laws. However, if it were easy to do, it
probably would not be profitable anyway.

When you have met all the requirements of the various agencies,
you will have an operating manual and pro-forma accounting
statement...You will have developed a turn-key package for your
franchise offering

To get started right get revised statutes of the state from the
Secretary of State and study the requirements for establishing
and selling franchises.

As your franchises become better known and after you have a few
locations, instead of selling one franchise at a time, offer area
franchise to "master" franchise holders. Get a portion of the
set-up charges for each area plus a continuing percentage of
gross business from each operating unit.

3 IN THE STOCK MARKET

*BONDS

You can earn interest on non-existent money and buy bonds on a
regular basis without ever paying for any of them except the
first five bonds. You will need $500 in cash and a brokerage
account in both the U.S. and Canada. Open an account with a
canadian brokerage House and deposit a &500 check with them. On
the same day, before your check clears, open a brokerage account
in your home town. This one may be opened without any money.

You buy new issue bonds through your American Broker and state
that they MUST be delivered to your Canadian Broker for payment.
The very day that you purchase the bonds, you will start drawing
interest. It will take 5 or 6 weeks for the bonds to be
delivered, and all the time you will be earning interest.

With this plan, you can space your order so that you can have
$1000,000 or more in bonds on order. and when they arrive at your
Canadian Broker, it works like this:

The Broker accept the first five bonds of $1,000 each and place
them in your account. When the second $5,000 worth arrives, (you
must always order in $5,000 units), he then sells the first bonds
to pay for the third, etc...

The results are BIG profits for non-cash existing money. You can
actually earn up to 80% interest on money you don't even have.

Often the new bonds will have an increase in resale value to add
to the interest earned. Thus a $5,000 bond at 8% interest rate
that takes 60 days to deliver would earn $67.00 interest. If they
go up in value, you may pick up an additional $200 to $500 or
even more when they are sold.

* PENNY STOCK

Periodically a great deal of money has been made dealing in Penny
Stock but it is highly speculative and is perhaps once in a
lifetime that one is able to hit it right to cash in with a
spectacularly high yield.

To take some of the speculation out of it, many investors
purchase only 100 shares or so, of a number of different
company's stock. In this way they may only $50 to $100 invested
in each of 40 to 50 firms. This is one of the best ways to go
when getting acquainted with this kind of investment.

The stock of one of the Nation's larger firms, which now has
outlets in about every city in the United States, was selling at
60 cents a share in 1963. 100 shares at that time for a total of
$60 is now valued at over $75,000!

$9,000 invested in 1948 in stock of what was then a small timber
firm, was worth over $1,000,000 a few years ago, and in addition
would have proceed average dividends over the years sufficient to
equal a top salary each year. A person who invested at that time
would have been able to "goof off" from that time forward,
receive more money than working for a living and still have over
a million dollars in the bank or for other investments.

There are various newsletters covering low priced stock. One
should subscribe to several and analyse the information before
investing.

Big Money With Financing Service

If you've been wanting to get into something that doesn't require
all of your time, yet could give you an income of $100,000 per
year or more, a Business Financing Service is definitely
something you should consider. this is the kind of business that
requires no special education or even a storefront office; won't
take much of your time, yet offers more prestige, power and fast
earning potential than just about any business opportunity
available to the ordinary working person.

The average net profit of people in this kind of business is
$75,000 per year, before taxes. Most began on a part-time basis,
operating out of their homes. Within a short period of time,
varying with expenditure of time and effort, most have luxurious
professional office suites with many clients from all over the
country calling and asking for help. Perhaps best of all, this is
a business you can operate with nothing more than a part-time
secretary/bookkepper, a telephone, and business cards.

There are many facets of this kind of business, which involve
bringing lenders and borrowers together for venture capital,
operating capital, expansion capital, and of course, mortgages of
all kinds. Concerning mortgages, look at it from this point of
view: Almost every building in the country---homes, office
buildings, factories, apartments--- has a mortgage on it, and
somebody is making some really big commissions bringing together
the people wanting the money and the people wanting to lend the
money.

A business financing or money brokerage business is the ideal
sideline business for real estate brokers, sales persons involved
in business sales, investment brokers, attorneys, accountants and
retirees from almost any occupation. This is definitely one of
the truly recession proof businesses that actually seems to
flourish in times of tight money.

YOUR POTENTIAL MARKET:

Each year, more than 10 million business loan applications are
filed with banks in this country. It is not uncommon for these
banks to be working on more then 250,000 business loans each
week, in amounts ranging from $25,000 to well over a million
dollars. About 65 percent of the loans actually granted by the
banks are short-term commercial loans; only 25 percent are for
longer terms, with fewer than 10 percent granted for construction
projects.

It should be obvious that the banks in this country are neither
speedy nor generous in giving loans to beginning or small
business entrepreneur. Such business people usually ask for loans
of longer duration than the banks are willing to grant. It is
easy to see that a beginning business, smaller installment
payments will reduce pressure on the borrower, and allow him to
put more of the profit back into the business. In most cases,
these small business owners need much more than the banks are
willing to allow without all kinds of guaranteed collateral. And
that, of course, is the reason why people needing money for their
business success turn to business financing consultants, which
provides you the opportunity for success in this field.

You'll find that beginning or small business persons are always
on the lookout for professional business financing services. They
always seem to need more money than they have available, and they
never seem to get quite the help or satisfaction they seek from
the banks. The pressing need for more capital is not something
that plagues only the beginning or new business. IT is an ongoing
need in almost every growing business also. In fact, the need for
continuing input of new money is a necessary part of the growth
cycle of every business. Generally, the "little guy" just doesn't
have the extra cash from last year; he does not have the money it
takes to set up a stock market program; and he doesn't have the
time to devote to (or he doesn't want to attempt to "sell" his
friends) an investment program in his business.

Sometimes these small business people will talk with their
accountants, lawyers or stockbrokers and ask them to help in
finding people with money to invest. Most accountants, lawyers
and stockbrokers are in touch with clients who have money they
are willing to invest in growing businesses, or people with
"sure-fire" money-making ideas.

Whether these professional people do or do not have special
clients with money to invest in special "deals" is of no
consequence. The important thing is that these people are always
being asked by someone if they know of a source of money, or if
they know of someone who can locate an investor for them. With
this in mind, and once you're set up in business, it will behoove
you to contact these people---the accountants, lawyers, and
stockbrokers in your area--to get to know as many of them as you
can, and to leave your business card, so they will be aware of
your services.


SETTING UO YOUR BUSINESS

You can start from the kitchen table in your home if necessary.
You'll need a telephone and unless you have some one acting as a
secretary, you should employ a telephone answering service. You
can probably get with a telephone answering machine, but because
you're dealing with money, it's important that you project an
image of success (and a telephone answering machine quickly
identifies you as being a one-person operation).

In addition to a telephone, you will also need business cards.
These, of course, should be a fine quality (this is not a very
large expenditure). They should be of a fine quality ( this is
not a very large expenditure). They should simply state your
name, followed by th name of your services---Business Financial
Services. You may list your phone number in the upper left-hand
corner, something such as " Money for Every Need" in the lower
right corner, and of course your name and firm name centered in
the middle. Assuming you are working out of your home, once you
have moved into an office, you would certainly want to make new
cards showing your business address.

It wouldn't hurt to have a calculator, a typewriter, and at least
a small file cabinet as you set up your business. But just as
people got along before without these amenities, you can make do
until you can afford this equipment.

Once you are organized in a work area and with the basics for
operating your business, the next move will be to get the word
out that you're ready to offer your services to people needing
money, and for the people who are willing to invest. This means
advertising, visiting, making contact in some way with both the
people needing money, and those wanting to realize a profit in
the process of lending their money. And don't forget---often
those who do not go with you for one reason or another may
supply with you with fine referrals.

The more you advertise and talk to people about your services,
the more successful your business is going to be. So first of
all, we suggest you run an ad in the classified section of your
local newspapers. It might read like this:

MONEY AVAILABLE! Business start-ups,
expansion needs, construction loans,
cash flow problems. Call 123-4567


You should run such an advertisement in as many of your area
papers as you can afford, every day, for at least a month. This
means that you'll have to have an advertising budget, with the
money either coming in (or available) to meet these costs before
you even contract to run your first ad. (This is part of the
necessary planning that has to be done before you actually open
for business.)

At the same time you're running the ad inviting people to come to
you for their money needs, you should also be running a daily ad
such as this one:

$350,000 NEEDED! Will pay maximum interest.
Growing business, excellent profits and tax
benefits. Call 123-4567.

Now the purpose of the first ad is to build your list of people
wanting money---needing loans that you can process. The purpose
of the second ad is to build your list of investors in your area
with money to put into some of these business proposals you get
from the first ad. Obviously, you'll get more people wanting to
borrow than people to invest; but once you begin running these
two advertisements, you'll be on your way.

When you place your first ads, start checking and following up on
similar ads you see running in your area newspapers. Usually.
they will be listed under "Financial & loans Wanted", or "Money
to Loan."However, don't neglect to check the "Business
Opportunities Wanted" classification as well.

When someone calls in response to your "Money Available"
advertisement, whoever is acting as your secretary should get the
name of the caller, the name of the business, the telephone
number, amount of money needed, kind of business and most
appropriate time for a consultation. This can be handled most
efficiently with preprinted telephone message pads. So you simply
collect information from all these incoming calls, look it all
over and start making call-backs.

Basically, you call-back conversation should sound something like
this: "hello, John Jones? This is Mr. Money Broker returning your
call about money for business financing. I understand that you're
looking for about $100,000 in order to set up an auto tune-up
shop. You stated that you are already pretty well organized with
a business plan and location, and that you have pretty good
collateral. That's very good. Before we talk further, however,
I'd like to tell you a little about my company.

"We represent a number of large lending organizations for
business financing, as well as a number of private investor who
are looking for new ideas and business to invest in. Their
primary requirement, of course, is that they will make money from
such an investment.

"What I do is work with you preparing you loan or investment
package so that it will be attractive when it is presented to
prospective lenders. it is very important that your proposal be
complete and in the proper order. It is also the greatest
importance that it "look good," and "sell" the people it is taken
to. the prospective lender must feel confident in granting you a
loan or investing in your business. Once we've got your
presentation together, I then take it to some of my lending or
investment sources and work toward obtaining you the money you
need.

"As I'm sure you're already aware, it's important that your
proposal be prepared properly, and presented to the people who
are in a position to give you the money you're asking for. I work
with you to see that your proposal is the best my people have
ever seen, and then I take it to the people who have the money
and are looking for a good investment. For this, I require a $100
broker's retainer fee. I then go to work on your specific money
needs. What we need to do now is to set up a time and date for me
to meet with you so that I may review your proposal. Would
tomorrow morning at 10:00 be all right with you, or would 11:00
be better?"

The important thing is to be in control of this telephone
conversation; to tell the prospect only what you want him to
think about; and to sell him on the idea of getting on with it by
paying the broker's retainer fee of $100. Only after you have
collected that, of course, will you start to work on evaluating
his plan and getting the money he needs.

When you go to see your prospect, you'll need to have a printed
"broker's agreement" ready for him to sign at the time he pays
the retainer fee. An example of a basic or simple broker's
agreement is shown here.

(Feel free to use the following form as a pattern for your own
agreement, or you may even want to cut it out, paste it up, and
have your printer run off a supply for you. If you do cut out and
use the form, you will of course place your business name,
address and telephone number in the space "Your Name and Address"
at the top. Also, be sure to block out the instructions on the
signatures lines.)

YOUR NAME AND ADDRESS

AGGREEMENT FOR FINANCIAL SERVICE

The undersigned, (Borrower's Name) , hereby

appoints (Your Name) as his Agent,

authorizes him to submit to lenders financial

data and information supplied by the borrower for

the purpose of the lender making a loan or investment

direct to the undersigned. The undersigned agrees

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-returnable fee for time involved

in apprasing feasibility of the loan requested.

This fee is separate from any other fees due if loan

is obtained.

______________ ______________________
Date Borrower

Once you are organized and rolling, you'll find that most of your
day-to day income will be derived from the packaging of loan
applications. Once your client has signed the broker's agreement
and given you his check for the retainer fee, you'll be helping
him to get his loan or investment proposal together. This is the
first thing to do, and you HAVE to do this regardless of any
forms your client has already filled our, or anything he may have
done relative to a loan proposal.

First give your client a detailed list of information he'll need
to have within his loan or investment package. Because
requirements do change from time to time, you will want to give
your client the most up-to date requirements in this regard. Go
to several of the banks in your area and ask their loan officers
for a copy of their loan application forms. use these forms as
your guide in making up the detailed list of requirements you
will use in working with your client. If you need additional
assistance, write one of the several organizations listed at the
end of this report.

When you have the package put together and ready for presentation
to a lender, take it back to your client and brief him on how to
present it to the prospective lenders, and generally you would
give him the names and addresses of the people you feel will be
the most likely to listen to his presentation. He makes the
presentation to the local prospects, and contacts your
possible;le sources by mail. If he needs further help from you,
you would charge him a per-hour counselling fee, plus consulting
charge fro any special or extra time spent working for him.

Overall, you should position yourself and your service to the
client in order to collect a "finder's fee" of 1/2% to 10% of the
amount of money actually loaned to or invested in his business. A
flat fee of $100 to $250 as a broker's retainer fee for helping
him with his loan presentation when HE does most of the work__
and outright fee of 1% for total preparation for his presentation
package---and a consultant's fee of $50 to $100 per hour for any
additional time expended on the project. These are your "bread &
butter" services that will establish you as a professional, and
keep you in business until you score with a big commission from
prehaps a million dollar loan. You have to involve yourself in
these services, because they'll make the difference between your
going broke or really succeeding in the money brokering industry.

Indeed,, you'll become more efficient with each experience with a
client. You'll soon recognize which proposals to concentrate your
attention on, and of course, which ones to scan briefly and hand
back to a loan seeker. the more you deal with money
professionals, too, the sharper you'll become---and consequently,
the more money you will make. Money professionals know what types
of loans are possible or likely from each of their different
funding sources; thus, they'll present only those having the best
chances of success. You will quickly become well versed in the
current lending and investment trends, and acquainted with the
lending rates and requirements of your loan sources. As you
review, assist and put together each of the request-for-money
proposals, your knowledge will improve your ability to package
specific requests, and to "sell" a loan proposal> Just keep in
mind that every time a loan is approved, or when one of your
sources decides to invest in a client's business, you'll be
taking a financial cut right off the top.

Right here I'd like to assure that you don't have to be either a
financial genius or a super sales person. All you really have to
know is how to put together a proposal properly, and acquire a
list of sources interested in lending money or investing in a
venture to obtain a profit.


You'll find that most of the borrowers you sign to assist in
finding money for are unaware that they will have very ,little if
anything to say about the terms of the loan that may be finally
granted. You'll find that most of them are already convinced that
they have the ultimate idea that most for a business that will
make everyone rich. Almost all of them are trying to get started
with little or no money of their own, and they'll think that
whatever the prevailing interest rate,it's too much.

Your first chore will be to screen these people. Explain the
facts of life to them, and don't waste time with them if you have
the feeling they'll reject or refuse to accept a loan you line up
for them because of the interest rates, If they're been to most
of the regular loan sources in your area, they'll know that when
they want or need money, it's the lender who dictates the terms
of the loan. A prospective borrower soon learns the prime rate
that is published is almost never used. Actually, the prevailing
prime rate plus two percent is generally a good rate of interest
for small businesses. In moat cases, such loans have to be well
secured with collateral not associated with the business.

Most of your would-be borrowers will not qualify for the prime
plus two percent rate. Business experience, coupled with the type
of business involved, will almost always put them in the "high
risk" loan category. After you have your retainer fee, you have
to educate your would-be borrowers in this regard. For those who
cannot face the facts of life about interest rates, you have to
just forget.

Something else you'll have to convince your clients of: If he
says he'll give a share of his business in exchange for the use
of your investor's money, he'll have to give up a very large
share. Most small business investment corporations or private
investors will want at least 25 percent, and more often than not,
up to 49 percent. In some cases, where a half million dollars or
more is provided by the investor, he may (reasonably) ask for as
much as 70 to 80 percent. Thus, it's absolutely essential that
you learn to qualify your would-be borrower before you get to
deeply involved or waste too much of your life.

For those who can't or don't want to pay your retainer fee--I say
skip them. And those who can't or don't want to pay the high risk
interest rates when you let them in on the real facts of
life--forget them too. And those that have been turned down by
practically every lending institution in the country, I would
advise you---let some beginner gain practice on them. And these
are the ones you need to learn to spot wile YOU are a beginner.

You should determine exactly how much cash and other assets your
client can or is willing to put into his proposed business.
You'll have to be satisfied with the character of your client as
a borrower; his record of paying his bills, how he gets along
with people, and his overall chances of success. You'll have to
do the checking of his references and credit record. You'll have
to judge how he'll make good on the loan if the business goes
sour. When these questions are answered to your satisfaction, you
can go with helping him put together a proper loan proposal and
work toward getting him the money he wants.

Most successful money brokers charge according to the size and
type of loan being requested. This is based on the amount of work
they have to put in to place the loan. If it looks like a pretty
solid business with a good record on the part of the borrower,
and good collateral, the fees are usually lower. On the other
hand, if it's a high risk proposal or if the borrower has a very
little business experience and you're going to end up doing a lot
of selling to get the loan approved, your fee should be
accordingly higher.

Remember that not all loans are approved, even though they might
have looked good to you in the beginning. With this in mind, you
have to charge for your services and makeup for the time you
spend with those proposals that don't get approved by charging
and collecting on those that do get approved. An example of the
typical commission charges is shown below.

LOAN AMOUNT YOUR FEE COMMISSION

$5,OOO,OOO+ 1/2% $25,000
$2,000,000 1% $20,000
$1,000,000 1.5% $15,000
$500,000 2% $10,000
$100,000 3% $ 3,000
$50,000 4% $2,000
$30,000 5% to 10% $1,500 to $3,000
Under $30,000 10% #750 minimum

As we started earlier, you can start this kind of business from
the comfort of your own home or apartment, and do very well.
However, just as soon as you can possibly afford to, it would be
your benefit to set up an office with access to general public.
Your success and gross income will definitely benefit with an
office.

You should set up your operation in a prestige location within or
fairly close to the business and financial district in your area.
Basically, this will be for impressing your clients, but a the
same time, by locating in or near your local loan sources, you'll
quickly come to know th important people on a first name basis.
Perhaps the best idea would be to sublet space in a suite of
offices used by an insurance company, accounting firm, or a group
of lawyers. An arrangement can often be made for their
receptionist to answer your phone calls and receive your clients.
With a little bit of finesse, you might even be able to have one
of their secretaries handle your typing and filing.

Your office should be neat and functional, but still impressive.
A large desk, comfortable chair and a credenza; perhaps a
four-drawer file cabinet also. the image you project is of great
importance, and being associated with a big name firm, even if
only on the basis of sharing their suite of offices, will
definitely be to your advantage in gaining ultimate success.


You should try to cover the walls of your office with your
certificates of awards, courses completed, association
memberships and seminar courses completed over the years.
Documents of affiliation with civic groups or even reproductions
of national write-ups should be framed and displayed on your
office walls.

Don't forget: when planning and furnishing your office, you
should also include a least one, preferably two, visitor's
chairs. A small sofa would be desirable, but really isn't
necessary until you've really firmly established. The thing is,
you want to project the impression of affluence and
professionalism to anyone coming into your office.

The ideal situation is to have a two-person team--someone on the
outside doing the selling, and someone on the inside handling all
the processing. If you have the marketing skills, and enjoy
selling, you might you for a sharp and impressive appearing
person to handle the processing for you. Or if you've got the
processing know-how, you might keep your eyes open for a
professional appearing person who could be your "outside arm" and
do most of the selling for you. Basically, and excepting for the
actual preparation and selling of loan packages, most of the
inside work can be handled by clerical personnel.

As you grow, however, you'll find it in your best interest to
have a full-time secretary. You would train her to field incoming
telephone calls, take care of filing, and do your personal typing
for you. A typical loan proposal usually requires about eight
hours of typing.

Regardless how you get started, and even after you've moved into
a suite of plush offices, you'll have to advertise to keep your
business coming in. Besides running regular advertising your
local newspapers, you should also advertise in the local
financial publications as often as you can afford Once you get
your business rolling, you should expand your advertising
coverage to include such national publications as the Wall Street
Journal and the business opportunity publications.

Regarding the type of advertisement to run in these publications,
we recommend that you look at money brokerage ads in these
publications. Clip out some of those especially like and have
your local typesetter make one up for you, using these you've
clipped as patterns.

Any ad you run should include or list a minimum loan amount
you'll handle, that is, a statement such as "$50,00 minimum to
$...." This procedure will screen out the people looking for
small personal loans. At the same time, it's a good idea to list
a maximum amount you're capable of handling--for instance,
"$50,000 minimum to $10,000,000." This will attract those who are
looking for large business financing.

In addition to your local newspapers, business publications and
national distributed papers, newsletters and magazines, it will
be to you advantage to to run an advertisement in the yellow
pages of your local telephone book and in area business
directories.

Besides"regular" advertising you should be sending out direct
mail letters, letting people know that you can help them with
their money problems. Some money brokers have a combination
letter-display ad made up and printed on the back of postcards.
This is quite a bit less expensive than sending out letters, and
could possibly downgrade your image somewhat, but on the other
hand, those money brokers using postcards say they're very
effective because the recipients are more likely to save a
postcard than a letter.

A general description of the way the direct mail system works is:
You mail out your letters or postcards to real estate brokers and
small businesses in your area. Then a couple of days later, you
follow up with a phone call to these people. You identify
yourself, ask if the card or letter had been received, and ask
how things are going--if perhaps you can be of any help to them,
Finally, you ask them to keep you in mind, and to be sure to let
you know if something comes up that you can handle.

About one third of the people you talk to will say that they
don't immediately need money, but they know of individuals or
businesses looking for help. When you do get a referral, be sure
to elicit as much information as possible, then make a contact
with them.


You can also send out letters in search of lenders or private
investors. All of these efforts are helpful in establishing and
building your business.


When you have a loan or an investment proposal together,and you
intend to sell it to a lender, you should first call the lending
officer or the head of that lending organization. If you want to
present your package to a private investor, you will more likely
have to call his attorney, broker or investment counselor.

The purpose of your telephone call is to set up an appointment in
order to present your package in person. Thus, during the course
of this telephone call, you should brief the lender on the
highlights of your client's loan proposal. If he's interested,
he'll probably want you to send him a written summary. After he's
received the summary and decided he's interested, he'll get back
to you and set up and interview with you, and then you and your
client.

You and the borrower should rehearse the entire loan proposal ad
have all examples, charts and graphic illustrations ready to form
a winning presentation. Any lender willing to listen at all wants
to hear the full story, and when they have a question, they want
the answer without hesitation. So be sure you're ready when they
show up for that loan-selling interview with a COMPLETE
presenation.

Once you start processing loan applications, you'll find that
about 80 percent of the loans granted to small businesses are
made by commercial banks. A few more than ten percent are made by
friends or relatives of the borrower, and about three percent by
finance companies. Another three percent will be granted by
insurance companies. This will give you an idea of possible money
sources for your clients.

You must remember, when a prospective borrower tells you how much
money he needs, and wants to use it for, it is your job to
evaluate his proposal and match his particular proposal with
sources, likely to be interested. As you build your list of money
sources, you will find those that specialize in specific
categories of loans---for apartment buildings, medical
facilities, recreation setups, and a myriad of others.

Most money brokers cultivate the savings and loan companies,
union pension funds, life insurance trust companies, credit
unions, private investor groups, and even the small loan
companies. The important thing to remember is that if you're
going to bring together people needing money and people with
money to lend, you have to continually develop contacts in order
to build your list of money sources. It is very helpful to get to
know your local bank officials because often times they can refer
you to a person you can really serve, because he doesn't qualify
for a bank loan.

You will learn also that most sources of VENTURE capital,money
for business startups--want an equity share of the business. They
generally don't require that the money they put up be repaid,
because they're hoping to make their profit from a share of the
business as it grows and becomes more and more profitable. They
especially like to get in on the "ground floor" of a small
companies who plan to issue public shares of stock when they
begin to grow.

Still another angle that money brokers should develop is contact
with a number of people who might be interested in investing as
silent partners in a new or growing business ventures. Silent
partners invest in a business without assuming any liability
relative to debts the business may incur, while still sharing in
the total profits of the business. In most areas of the country,
there are always a number of wealthy people around who are
interested in investing small amounts of money in any number of
business ventures--sometimes as many as they can get in on.

Until you've actually placed a few loans, you're undoubtedly
going to occasionally spend a lot of time attempting to sell a
loan that just can't be sold. You will have to develop your skill
in evaluating from the facts the borrower gives you, the
possibility of obtaining a loan for him. Your evaluation will be
based upon how much he wants, for how long, and terms (time
period and interest rate), his past business experience, and the
feasibility of his plan for success in the planned business.
While it does take some time and concentration to differentiate
the "winners" from the "losers" be aware from the beginning, and
you will be less likely to be caught up in efforts to place a
loan that just can't be placed.

Of primary importance to your lenders is your client's collateral
which would assure repayment of the loan in the event of failure
of the business. Lenders won't even listen to, or bother to look
at a proposal that is not backed up with realistic collateral to
support the loan. And you may count on this: They will call you
on ay profit projections based only on the borrower's glowing
predictions. These are the things you as a money broker must
evaluate before getting too deeply involved. If the loan doesn't
have the look of at least an even chance of being approved,
better to give it to your client straight. It will save him grief
in the long run, and will allow you to go on to another proposal
with a better chances of success.

When you go into the matter of collateral with a client, by all
means be thorough and inquisitive in working with him. Many
borrowers have collateral they have never thought of in terms of
security. For instance, antiques, coin or stamp collections, life
insurance policies, even a wealthy friend or so who would sign as
guarantor(s) of a loan. Remember also any accounts receivable,
promissory notes, machinery and equipment, and real estate
equity.

When you've listed all the collateral that can be dug up, you
have to demonstrate very clearly just how the loan is going to be
paid---and particularly if the business fails. Collateral is a
necessary part of any loan transaction, but it usually is not
enough to satisfy the entire face value of the loan. Thus, in
addition to collateral, the borrower has to have a clear and
provable plan for repaying the money he borrows.

So long as you work through the commercial banks, you shouldn't
need any kind of broker's license. But to be sure, you will want
to check with your local licensing authorities. In the end,
you'll probably want to get a real estate broker's license,
because in many cases, real estate will figure into the loan in
one way or another. However, you can get started without one. If
you run into an immediate need for a real estate broker's
license, you can always make an arrangement with someone who has
one and let him be the "licensee of record."

Finally--and possibly the NUMBER ONE requisite for success in
your Business Financing Service venture is this: You are going to
need, and really must have, enough money available or coming in
from some outside source(s), to sustain your daily living for at
least the first three months BEFORE you open your business.

It will probably take you two to three weeks to put together each
of your first loan proposals. You're working (investing your
time) but the money won't be coming in until you finish the job.
But even when everything is ready and you begin trying to place a
loan, it could take you anywhere from three weeks to three months
to get the final approval.

So the best way to get started as a money broker is, as we
discussed earlier in this report, to start on a part-time basis
while you are still holding down a regular job. Remember, you can
work out of your home, do some careful planning and become
efficient with your time; concentrate on getting those "retainer
fees" and proceed with packaging the loan proposals.

There is no effortless way to start this or any other business.
You have to start small, do all or most of the work yourself, and
addition to investing your time, you'll have to "prime the pump"
with money of your own. However, it can be done, and most
assuredly this particular kind of business can take you from
pauper to wealth in a short time.

Businesses in every city and town in this country would like to
have more money than they are currently have available. You can
become rich beyond your wildest dreams by helping them. You
identify those with money needs and bring them together with the
people or organizations with money to invest.

All it takes is the know-how we've passed along within this
business start-up manual, and ACTION on your part--it's up to
you!

Brainstorming Our Key To Riches!

A great deal has been written about the group thinking concept.
Members all participate in solving problems, coming up with new
ideas or dreaming up new products. (Many heads are better than
one?)

They discuss the product, idea, or problem with each person
throwing out their thoughts on the subject regardless of how
ridiculous it may seem. This is supposed to generate a vast
pool of knowledge, including the answer to what the group is
trying to find.

Each idea is written down by one of the group and eventually the
puzzle is supposed to fall in place and the solution found.

Another method is for you to do your own private brainstorming,
using a tape recorder. When it is played back, it just may have
the solution for you.

Generally, however, neither method produces any better results
than if you study the matter thoroughly and look at it from
every possible angle. After you have "busted" your brain
capacity in this manner, sleep in it and let your "subconscious"
find the solution.

List of Moneymaking Part-Time Businesses

ou're on the road to success - Congratulations! You bought
this report because you want information on starting a business,
part-time at first, without investing a lot of money, yet one
that will quickly be a money-maker. You'll find a number of
them here.

In each one we give the basic concept of the business, what
product or service it provides to your customers, and how it is
operated, and (if any are necessary) what equipment or
facilities or help will be needed.

But whatever business you choose, remember that no business can
succeed without your effort. remember that determination and
hard work are the mother and father of success. If you supply
those, and use the information we supply, you can't miss. Good
luck!


1. Television Computer Pictures

Lease a computer printer and a video camera and a monitor
screen that produces large-size, high contrast portraits of
customers in 30 seconds, while they wait. You will find this a
sure-fire crowd attracter, as the printer chatters away. Set up
in a crowded resort are. Charge at least $4 a picture, framed
in a simple mat, almost all of which is gross profit. Net cost
of all materials, about 8 cents.

Hot source: The equipment to do this is available from
Sketch Division, 140 Wood Road, Braintree, Mass. 02184


2. Badge-Making

Rent a small multilith printing machine and a badge sealing
machine, and using self-adhesive Presstype for typesetting,
design and set cut sayings for the badges. Sell as a custom
service, making slogans to order, or make a wide range of
far-out sayings in bulk quantities and sell them to local gift
and novelty shops for resale.


3. Run a "Consignment Shop"

It requires very little capital and accepts goods for sale from
members of the public and sells these items for them on a
commission basis. You might try a wide variety of items at
first, to see what sells best and most regularly.


4. Picture Framing, In Your Own Home

Relatively inexpensive materials with a good sense of color and
style and a reasonable ability with carpentry tools, will build
a large custom-framing business, since people who spend money on
art won't skimp on the frames either, if they want a
good-looking result.


5. Rental Equipment

Be the source of supplies for do-it-yourselfers. Working only
Saturdays and Sundays, when they do, you rent out power tools,
such as circular saws, jigsaws, reciprocating saws, gasoline
chain saws, electric drills, electric planers, belt and orbital
sanders, routers, paint sprayers, wallpaper-removal steamers,
staple guns, pumps, home cleaning machines, Roto-tillers, and
other equipment for daily fees. Operate out of your garage.


6. Talent Bureau, For Kid's or Adults' Parties

Using local ads, or your own contacts, line up 10 to 20 local
entertainers, magicians, comics, puppeteers and other talents,
and supply them for parties, club meetings and other functions.
Have a list of films you can also supply for the same, or other
groups, which they can project themselves, if they wish, or you
will supply an operator.


7. Throwing Parties for Profit

Everyone loves to go to a party, and nowadays some smart
operators make a mint running them for everybody who wants to
attend. You can too! Hire a hall and a band, plan to set up a
bar (if you can get a temporary liquor permit), and promote the
hell out of it with ads, handbills, bumper stickers and
lamp-post posters. Special parties aimed at a particular group
do best, such as singles, or under-thirties, or over-forties.
This idea is especially good in college towns.


8. Start a Hobby Center

Make money on your unused space (and maybe the power tools
you've already paid for!) Turn your basement into a woodworking
center, your spare bedroom into a photo darkroom, and your
garage into a pottery workshop with a wheel and a small kiln.
Rent the space and equipment by the hour, expand into more
hobbies as time and money permit, and charge additional fees for
instruction in any of those fields you're good at.


9. Organize a Babysitting Service

One of the troubles most people find is that their babysitter is
always busy just the night they want to go out. You set up a
service, finding good reliable teenage girls and boys,
middle-aged or older women, and act as a go-between, providing
sitters whenever your customers want them, collecting the fees,
and paying the sitters. Advertise your service, and handbills
house-to-house locally being a good way.


10. Make Money From Your Hobbies

Are you an expert at something that you do at home for fun?
Then make it pay off for you! If you're a gourmet cook, give
cooking lessons in the haut cuisine. If you're an accomplished
painter in oils or water-color, offer a portrait-painting
service. If you're a skilled carpenter, design and make custom
cabinets to order. Almost any hobby you're good at can be
turned to making a profit if you think about it carefully, and
decide who could use your expertise - as a consultant in that
field, if nothing else. All you really have to do to get
started is to place an ad!


11. Publish a Buy/Swap Paper in Your Town

Get money from both ends in this sweetheart deal. Publish the
weekly paper with classified ads from the public offering stuff
for sale, arranged according to category, and charge the people
for their ads (some operators let them pay only if and when they
sell, but in that case charge them a percentage of the selling
price, 5% for smaller items, 2% or 3% for automobiles), and then
sell the newspaper (suggest price is 25 cents) as well, through
local newsstands and by subscription (in the mail). Once you
have a fairly decent circulation, local merchants will also pay
you for display ads, because they know people really read buy
and swap newspapers religiously cover-to-cover.


12. Do Custom Photo Developing

Quality is essential, and speed is generally also required,
although you can charge a premium for rush service. If you
already have an elaborate dark-room set-up in your home, so much
the better, but if not it can be fitted in anywhere you have
room, the basement being ideal, since windows are not a
requirement. You must be able not only to develop and print
every normal size of film from 35 mm to 8" x 10" but handle
enlargements up to a minimum of 30" x 40", and preferably 5" 8*"
or more, and do copying both of opaque material and slides. An
ability to offer retouching, restoration and coloring as well is
helpful, even if you have to send that specialized work out.


13. Publish a Part-Time Jobs Directory

Make this a newsstand book, as well as offering it, with small
ads, by mail order. List all the possible jobs people can get
part-time, especially angling it at college kids on vacation,
teachers after school hours, housewives with time on their
hands, and moonlighters looking for part-time second jobs.


14. Run a Children's "Explorer Club"

Take kids on Saturday and Sunday outings. Ten kids each day,
to zoos, farms, theaters, children's shows and sports events. A
small micro-bus (rented and, or eventually bought) can be used
to travel in. Many parents are delighted to have weekend days
to themselves, even though it costs them some dough.


15. Be an Instructor

Teach whatever you know. Your trade, profession, cooking
skills, a second language, woodworking, chess, photography,
knitting, karate, bridge, auto repair, etc. People will pay for
good lessons in these useful and enjoyable skills.


16. Run a Floor Scraping/Polishing Service

You buy or (at first) rent, a heavy-duty machine, and do the
cleaning and waxing of fine, hardwood floors. If the floors are
in very bad condition, machine sand them and them completely
refinish them with modern super-durable polyurethane finishes.


17. Operate a Children's Hotel

This is sort of a "boarding house" for kids while their parent
go away for a week-end or two-week vacation. Requires a large
house, and preferably, a large yard or grounds, swings, slides,
and facilities useful for kids. Must be done very responsibly
and carefully. Also, don't take very young children (less than
9 or 10 say) because they may require too much dressing,
feeding, etc.


18. Start a Mail-Order Business

Write a booklet about something people really want to know
about, print a few hundred copies, and place some small ads.
You'd be surprised how much money you can make. Sell modern
copies of out-of-print uncopyrighted material or books. Or sell
something unusual you make at home, providing that it is
something really useful to your prospective customers. Or sell
some of your ideas such as #2 badges, #37 genealogy, and others.


19. Operate a Xerox Copy Center

The secret of this is not just selling one or two copies of each
original (although on a 300-page original manuscript, that can
add up too), but using one of the latest high-speed high-quality
mass-production Xeroxes so that you can compete with the guys
operating those quick printing services, by turning out 100 or
200 resumes, letters, or circulars just as fast, and probably a
great deal faster, for the same (or potentially less if you want
to be competitive) money as they charge. This way you have two
kinds of work, giving you twice as many customers, and twice the
profit opportunity, and with the right location, a chance to
clean up.

If you want to offer even more services, and have the space in
your shop, as well as the potential customers, you can offer
Xerox reductions (New York Times-size page down to 8-1/2"x11"),
and Xerox copies in full-color, which are remarkably good. The
color machine will also make color copies directly from 35 mm.
color slides in one quick step.

Of course, you can consider using other brands of xerographic
copiers, such as IBM, Kodak, Savin, Canon, Minolta or others,
but although you may theoretically save money, make sure of
their service policies, and that they have field servicemen in
your locality, or you may find yourself stuck with a copier on
the fritz for a week, which could ruin your business.


20. Be a Local News Correspondent

For big city papers some distance from your town. When an event
occurs in your area you write the story for those papers (they
have correspondents in many big places but not in most small
towns or isolated areas) and they pay you for it. This is known
as being a "stringer". If you're good with a camera, take
photos to accompany the story.


21. Campground Store-On-Wheels

Use either a panel truck or a camper body on a pick-up truck
chassis. Go to public park areas and campgrounds selling
charcoal, paper plates, water-melon, ice cream, eggs, milk,
bread, insect repellent, sunglasses, newspapers, etc.


22. Create a New Tour-Bus Service

Even in affluent America, not everyone has a car, and even those
who do often prefer to leave long trips to a professional bus
driver. and although there are bus tours offered to some
familiar places, there are still so many interesting, even
exciting, places people would like to go to, if they were
offered the chance. Here's where you come in. You must be
creative about it, and study all the six-State areas around your
hometown, to discover some original and different places to
travel to on day trips which will "turn on" your prospective
customers, and get them to sign up.

The rest is easy. You get competitive quotes (from commercial
bus companies) for a quality bus to do the round-trip, with a
suitable stopover at the destination point (enough to do the
sights, shop and maybe eat as well). Then you figure you tour
price per person so you can make a profit even if the bus is
only half full or so. Then you have a safety margin - and if
you sell every seat you will do very well indeed.

Then all you have to do is sell. You put little ads in your
local papers, paste up flyers wherever you can (supermarkets are
good), contact local travel agents (of course you give them a
percentage on what they sell for you), local hotel clerks, etc.,
and you also contact women's clubs, religious groups, fraternal
societies, factory social organizations, and so on (they may
take a whole bus, or even two, and you give them a special
price, naturally).


23. Run a Pet Hotel Service

For dogs or cats or both. People will pay high fees to ensure
high-quality care fo the animal they love. Separate kennels for
each animal are essential. Good food and adequate care and
attention must be assured also. You can hire responsible
teenagers to help you. Advertise with posters in pet shops,
veterinarians' offices; and if they're cheaply available, get
the mailing lists of local ASPCA groups and other animal welfare
groups, as well as membership lists of dog and cat clubs.


24. Sell Second-hand Kids Clothing

Children usually outgrow their clothes rather than wearing them
out. So many families have such clothing left around. You
collect it, paying nothing or as little as possible. Then you
resell it; you can do the selling by ads, handbills or through
your church or community groups.


25. Breed Tropical Fish

This requires only a moderate amount of space and a small
investment in equipment. Properly done, it needs only a small
amount of your time yet can make you a good profit. You can
obtain your beginning stock from the large wholesale dealers.
You can sell direct to consumers (the hobbyists) or to stores in
your area.

Hot Sources:
Betta Tropicals Inc., 1310 Unionport Rd., Bronx, NY
Tropa Co., 1685 3rd Ave., New York, NY


26. Make Plastic Engraved Signs

All you need is a simple-to-operate machine that engraves
lettering in various types onto sheets of plastic of many
colors, finishes and sizes. Perfect for signs for merchants,
banks, doctors, dentists, schools and colleges, private front
doors, and many other uses.

Hot Source for the Machine:

New Hermes Engravograph from New Hermes Inc., 20 Cooper Square,
New York, NY 10003.


27. Sell Christmas Trees

Seasonal, but if you have the time in the few weeks before
Christmas, can be a good money maker. Find a vacant storefront
or lot, or space inside a larger building, where people pass by.
But be sure to order a supply of trees enough in advance. And
if you own country land that is not being used, consider growing
the trees yourself. Your first crop can be ready in four years,
with steady crops from then on.


28. Open a Rubber Stamp Business

Manufacture them in your basement. The materials needed are
cheap. And the finished stamps can be sold to many people,
storeowners, offices, individuals. You can market them by mail
and through local merchants.

Hot Source: The machine and a financing plan to buy it ar
available from:
Rubber Stamp Division, 1512 Jarvis Ave., Chicago, IL 60626


29. Camper's Equipment Rental Service

With urban living, the back-to-nature movement is growing and
camping is becoming very popular. Rent out tents, sleeping
bags, portable propane stoves, chairs, etc. Demand
identification from customers and reliable security (keeping one
of their credit cards is good).


30. Operate a Key-Safety Service

Each customer is sold a special tag to put on his or her key
ring. It says "Drop in any mailbox" and has the address of a
post office box that you rent (Don't use your home address for
the same reason your customers shouldn't have their home address
on their keys - dishonest people finding the keys will come
prowling around). You assign each customer's tag a code number
from a list that you keep. When someone's keys arrive at your
post office box, you return them to him, for another fee.


31. Be a Used Car Buying Consultant

With a knowledge of cars, plus the proper test equipment (for
checking the engine, transmission, brakes, font-end alignment,
and chassis), you go with your customer to check out the used
car he is thinking of buying. Advertise your service next to
the ads offering used cars for sale. After a while you will get
to know people in this field and you can pick up more money by
acting as a middleman in sales between private individuals.


32. Sell "Loss Leaders" for Profit

This may sound contradictory but it isn't. Supermarkets aren't
the only ones who use loss leaders. A good mail-order idea is
offering a cute item (worth much more) for $1 in women's
magazines, giving prompt delivery and including with it stuffers
(ads with order blanks) for half a dozen more expensive items.
The repeat business on the other items makes the $1 offer
profitable.


33. Baby Items Rental Service

You rent everything needed for a baby's care - stroller,
playpen, high chair, etc. When the customer's baby outgrows
them you rent to the next couple. Of course, you must
advertise, and also send direct mail pieces to all couples with
new births (get their names from hospitals and newspapers and
list brokers).


34. Operate a "Give a Party" Service

You rent out everything needed for a party: tables, chairs,
punch bowls, table cloths, cutlery, and napkins. You can also
supply waitresses and bartenders, finding them through agencies
that supply temporary help such as Manpower. But if you can
find good workers yourself, you can save the agency fee and make
more money.


35. Operate a Miniature Slot Car Racing Track

In your basement (or wherever you can fit it) build a large and
elaborate miniature slot car racing track (with a least 6 or 8
slots). Local kids, and often adults, pay you by the hour to
race, using either your cars or theirs. To boost interest you
can hold monthly contests with trophies.


36. All-Service Service

You line up the specialists in fixing almost anything, and take
care of getting them customers by delivering handbills to homes
and placing ads in supermarkets and local papers. They pay you
5% of every job refer to them, which can soon add up.


37. Genealogy for People Who Want Roots

You seek out the records in public or university libraries,
county courthouses and elsewhere, as necessary, for a sliding
fee, depending on the size of family, difficulties in getting
information, geographic dispersion, and other factors.