The Richest Athletes 2012
The World’s Top-Earning Athletes
The FORBES 2012 Celeb 100 features the world’s highest-paid athletes, Filipino boxer Manny Pacquaio topped the list with $67 million. This year’s highest paid athletes’ earnings totals are derived from salaries, bonuses, prize money, appearance fees, licensing and endorsement income between May 2011 and May 2012. The Magazine did not deduct taxes or agents’ fees.
#1. Manny Pacquaio
May 2011 to May 2012 Earnings: $67 million
Sport: Boxing , Age: 33
#2. Tiger Woods
May 2011 to May 2012 Earnings: $58 million
Sport: Golf, Age: 36
Net Worth: $500 million – As of September 2010, according to Forbes
#3. LeBron James
May 2011 to May 2012 Earnings: $53 million
Sport: Basketball, Age: 27
#4.Roger Federer
May 2011 to May 2012 Earnings: $52 million
Sport: Tennis, Age: 30
#5. Kobe Bryant
May 2011 to May 2012 Earnings: $50 million
Sport: Basketball, Age: 30
Net Worth: $140 million – As of May 2009, according to Forbes
#6. Phil Mickelson
May 2011 to May 2012 Earnings: $48 million
Sport: Golf, Age: 41
#7. David Beckham
May 2011 to May 2012 Earnings: $46 million
Net Worth: £160 million ($260m) – As of April 2012, according to the Sunday Times Rich List
Sport: Football, Age:37
#8= Peyton Manning
May 2011 to May 2012 Earnings: $42 million
Sport: Football (NFL) , Age: 36
#8= Cristiano Ronaldo
May 2011 to May 2012 Earnings: $42 million
Sport: Football, Age: 27
#10. Floyd Mayweather
May 2011 to May 2012 Earnings: $40 million
Sport: Boxing , Age: 35
#11. Lionel Messi
May 2011 to May 2012 Earnings: $39 million
Sport: Football, Age: 24
#12. Alex Rodriguez
May 2011 to May 2012 Earnings: $34 million
Sport: Baseball, Age: 36
#13. Rafael Nadal
May 2011 to May 2012 Earnings: $33 million
Sport: Tennis, Age: 26
#14. Tom Brady
May 2011 to May 2012 Earnings: $27 million
Sport: Football (NFL), Age: 34
#15. Maria Sharapova
May 2011 to May 2012 Earnings: $26 million
Sport: Tennis, Age: 25
#16. Li Na
May 2011 to May 2012 Earnings: $18 million
Sport: Tennis, Age: 30
#17. Serena Williams
May 2011 to May 2012 Earnings: $13 million
Sport: Tennis, Age: 30
The FORBES 2012 Celeb 100 features the world’s highest-paid athletes, Filipino boxer Manny Pacquaio topped the list with $67 million. This year’s highest paid athletes’ earnings totals are derived from salaries, bonuses, prize money, appearance fees, licensing and endorsement income between May 2011 and May 2012. The Magazine did not deduct taxes or agents’ fees.
#1. Manny Pacquaio
May 2011 to May 2012 Earnings: $67 million
Sport: Boxing , Age: 33
#2. Tiger Woods
May 2011 to May 2012 Earnings: $58 million
Sport: Golf, Age: 36
Net Worth: $500 million – As of September 2010, according to Forbes
#3. LeBron James
May 2011 to May 2012 Earnings: $53 million
Sport: Basketball, Age: 27
#4.Roger Federer
May 2011 to May 2012 Earnings: $52 million
Sport: Tennis, Age: 30
#5. Kobe Bryant
May 2011 to May 2012 Earnings: $50 million
Sport: Basketball, Age: 30
Net Worth: $140 million – As of May 2009, according to Forbes
#6. Phil Mickelson
May 2011 to May 2012 Earnings: $48 million
Sport: Golf, Age: 41
#7. David Beckham
May 2011 to May 2012 Earnings: $46 million
Net Worth: £160 million ($260m) – As of April 2012, according to the Sunday Times Rich List
Sport: Football, Age:37
#8= Peyton Manning
May 2011 to May 2012 Earnings: $42 million
Sport: Football (NFL) , Age: 36
#8= Cristiano Ronaldo
May 2011 to May 2012 Earnings: $42 million
Sport: Football, Age: 27
#10. Floyd Mayweather
May 2011 to May 2012 Earnings: $40 million
Sport: Boxing , Age: 35
#11. Lionel Messi
May 2011 to May 2012 Earnings: $39 million
Sport: Football, Age: 24
#12. Alex Rodriguez
May 2011 to May 2012 Earnings: $34 million
Sport: Baseball, Age: 36
#13. Rafael Nadal
May 2011 to May 2012 Earnings: $33 million
Sport: Tennis, Age: 26
#14. Tom Brady
May 2011 to May 2012 Earnings: $27 million
Sport: Football (NFL), Age: 34
#15. Maria Sharapova
May 2011 to May 2012 Earnings: $26 million
Sport: Tennis, Age: 25
#16. Li Na
May 2011 to May 2012 Earnings: $18 million
Sport: Tennis, Age: 30
#17. Serena Williams
May 2011 to May 2012 Earnings: $13 million
Sport: Tennis, Age: 30
The Secrets Behind Mark Zuckerberg's Success
... now you know why He becomes the youngest billionaire in the world...
No Model for Muslim Democracy
By ANDREAS HARSONO
IT is fashionable these days for Western leaders to praise Indonesia as a model Muslim democracy. Secretary of State Hillary Rodham Clinton has declared, “If you want to know whether Islam, democracy, modernity and women’s rights can coexist, go to Indonesia.” And last month Britain’s prime minister, David Cameron, lauded Indonesia for showing that “religion and democracy need not be in conflict.”
Tell that to Asia Lumbantoruan, a Christian elder whose congregation outside Jakarta has recently had two of its partially built churches burned down by Islamist militants. He was stabbed by these extremists while defending a third site from attack in September 2010.
This week in Geneva, the United Nations is reviewing Indonesia’s human rights record. It should call on President Susilo Bambang Yudhoyono to crack down on extremists and protect minorities. While Indonesia has made great strides in consolidating a stable, democratic government after five decades of authoritarian rule, the country is by no means a bastion of tolerance. The rights of religious and ethnic minorities are routinely trampled. While Indonesia’s Constitution protects freedom of religion, regulations against blasphemy and proselytizing are routinely used to prosecute atheists, Bahais, Christians, Shiites, Sufis and members of the Ahmadiyya faith — a Muslim sect declared to be deviant in many Islamic countries. By 2010, Indonesia had over 150 religiously motivated regulations restricting minorities’ rights.
In 2006, Mr. Yudhoyono, in a new decree on “religious harmony,” tightened criteria for building a house of worship. The decree is enforced only on religious minorities — often when Islamists pressure local officials not to authorize the construction of Christian churches or to harass and intimidate those worshiping in “illegal” churches, which lack official registration. More than 400 such churches have been closed since Mr. Yudhoyono took office in 2004.
Although the government has cracked down on Jemaah Islamiyah, an Al Qaeda affiliate that has bombed hotels, bars and embassies, it has not intervened to stop other Islamist militants who regularly commit less publicized crimes against religious minorities. Mr. Yudhoyono’s government is reluctant to take them on because it rules Indonesia in a coalition with intolerant Islamist political parties.
Mr. Yudhoyono is not simply turning a blind eye; he has actively courted conservative Islamist elements and relies on them to maintain his majority in Parliament, even granting them key cabinet positions. These appointments send a message to Indonesia’s population and embolden Islamist extremists to use violence against minorities.
In August 2011, for example, Muslim militants burned down three Christian churches on Sumatra. No one was charged and officials have prevented the congregations from rebuilding their churches. And on the outskirts of Jakarta, two municipalities have refused to obey Supreme Court orders to reopen two sealed churches; Mr. Yudhoyono claimed he had no authority to intervene.
Christians are not the only targets. In June 2008, the Yudhoyono administration issued a decree requiring the Ahmadiyya sect to “stop spreading interpretations and activities that deviate from the principal teachings of Islam,” including its fundamental belief that there was a prophet after Muhammad. The government said the decree was necessary to prevent violence against the sect. But provincial and local governments used the decree to write even stricter regulations. Muslim militants, who consider the Ahmadiyya heretics, then forcibly shut down more than 30 Ahmadiyya mosques.
In the deadliest attack, in western Java in February 2011, three Ahmadiyya men were killed. A cameraman recorded the violence, and versions of it were posted on YouTube. An Indonesian court eventually prosecuted 12 militants for the crime, but handed down paltry sentences of only four to six months. Mr. Yudhoyono has also failed to protect ethnic minorities who have peacefully called for independence in the country’s eastern regions of Papua and the Molucca Islands. During demonstrations in Papua on May 1, one protester was killed and 13 were arrested. And last October, the government brutally suppressed the Papuan People’s Congress, beating dozens and killing three people. While protesters were jailed and charged with treason, the police chief in charge of security that day was promoted.
Almost 100 people remain in prison for peacefully protesting. Dozens are ill, but the government has denied them proper treatment, claiming it lacks the money. Even the Suharto dictatorship allowed the International Committee of the Red Cross to visit political prisoners, yet the Yudhoyono government has banned the I.C.R.C. from working in Papua.
Instead of praising Indonesia, nations that support tolerance and free speech should publicly demand that Indonesia respect religious freedom, release political prisoners and lift restrictions on media and human rights groups in Papua.
Mr. Yudhoyono needs to take charge of this situation by revoking discriminatory regulations, demanding that his coalition partners respect the religious freedom of all minorities in word and in deed, and enforcing the constitutional protection of freedom of worship. He must also make it crystal clear that Islamist hard-liners who commit or incite violence and the police who fail to protect the victims will be punished. Only then will Indonesia be deserving of Mr. Cameron and Mrs. Clinton’s praise.
Andreas Harsono is a researcher for the Asia division at Human Rights Watch.
IT is fashionable these days for Western leaders to praise Indonesia as a model Muslim democracy. Secretary of State Hillary Rodham Clinton has declared, “If you want to know whether Islam, democracy, modernity and women’s rights can coexist, go to Indonesia.” And last month Britain’s prime minister, David Cameron, lauded Indonesia for showing that “religion and democracy need not be in conflict.”
Tell that to Asia Lumbantoruan, a Christian elder whose congregation outside Jakarta has recently had two of its partially built churches burned down by Islamist militants. He was stabbed by these extremists while defending a third site from attack in September 2010.
This week in Geneva, the United Nations is reviewing Indonesia’s human rights record. It should call on President Susilo Bambang Yudhoyono to crack down on extremists and protect minorities. While Indonesia has made great strides in consolidating a stable, democratic government after five decades of authoritarian rule, the country is by no means a bastion of tolerance. The rights of religious and ethnic minorities are routinely trampled. While Indonesia’s Constitution protects freedom of religion, regulations against blasphemy and proselytizing are routinely used to prosecute atheists, Bahais, Christians, Shiites, Sufis and members of the Ahmadiyya faith — a Muslim sect declared to be deviant in many Islamic countries. By 2010, Indonesia had over 150 religiously motivated regulations restricting minorities’ rights.
In 2006, Mr. Yudhoyono, in a new decree on “religious harmony,” tightened criteria for building a house of worship. The decree is enforced only on religious minorities — often when Islamists pressure local officials not to authorize the construction of Christian churches or to harass and intimidate those worshiping in “illegal” churches, which lack official registration. More than 400 such churches have been closed since Mr. Yudhoyono took office in 2004.
Although the government has cracked down on Jemaah Islamiyah, an Al Qaeda affiliate that has bombed hotels, bars and embassies, it has not intervened to stop other Islamist militants who regularly commit less publicized crimes against religious minorities. Mr. Yudhoyono’s government is reluctant to take them on because it rules Indonesia in a coalition with intolerant Islamist political parties.
Mr. Yudhoyono is not simply turning a blind eye; he has actively courted conservative Islamist elements and relies on them to maintain his majority in Parliament, even granting them key cabinet positions. These appointments send a message to Indonesia’s population and embolden Islamist extremists to use violence against minorities.
In August 2011, for example, Muslim militants burned down three Christian churches on Sumatra. No one was charged and officials have prevented the congregations from rebuilding their churches. And on the outskirts of Jakarta, two municipalities have refused to obey Supreme Court orders to reopen two sealed churches; Mr. Yudhoyono claimed he had no authority to intervene.
Christians are not the only targets. In June 2008, the Yudhoyono administration issued a decree requiring the Ahmadiyya sect to “stop spreading interpretations and activities that deviate from the principal teachings of Islam,” including its fundamental belief that there was a prophet after Muhammad. The government said the decree was necessary to prevent violence against the sect. But provincial and local governments used the decree to write even stricter regulations. Muslim militants, who consider the Ahmadiyya heretics, then forcibly shut down more than 30 Ahmadiyya mosques.
In the deadliest attack, in western Java in February 2011, three Ahmadiyya men were killed. A cameraman recorded the violence, and versions of it were posted on YouTube. An Indonesian court eventually prosecuted 12 militants for the crime, but handed down paltry sentences of only four to six months. Mr. Yudhoyono has also failed to protect ethnic minorities who have peacefully called for independence in the country’s eastern regions of Papua and the Molucca Islands. During demonstrations in Papua on May 1, one protester was killed and 13 were arrested. And last October, the government brutally suppressed the Papuan People’s Congress, beating dozens and killing three people. While protesters were jailed and charged with treason, the police chief in charge of security that day was promoted.
Almost 100 people remain in prison for peacefully protesting. Dozens are ill, but the government has denied them proper treatment, claiming it lacks the money. Even the Suharto dictatorship allowed the International Committee of the Red Cross to visit political prisoners, yet the Yudhoyono government has banned the I.C.R.C. from working in Papua.
Instead of praising Indonesia, nations that support tolerance and free speech should publicly demand that Indonesia respect religious freedom, release political prisoners and lift restrictions on media and human rights groups in Papua.
Mr. Yudhoyono needs to take charge of this situation by revoking discriminatory regulations, demanding that his coalition partners respect the religious freedom of all minorities in word and in deed, and enforcing the constitutional protection of freedom of worship. He must also make it crystal clear that Islamist hard-liners who commit or incite violence and the police who fail to protect the victims will be punished. Only then will Indonesia be deserving of Mr. Cameron and Mrs. Clinton’s praise.
Andreas Harsono is a researcher for the Asia division at Human Rights Watch.
Indonesia's Rising Religious Intolerance
By BENEDICT ROGERS
JAKARTA — Just a few days after Lady Gaga’s concert in Indonesia was canceled after protests by Islamic groups, I flew 1,370 kilometers from Jakarta to Padang, West Sumatra, and drove a further 130 kilometers, a four-hour journey along rough, winding roads, to Sijunjung, to visit an Indonesian atheist jailed for his beliefs.
Alex Aan, a 30-year-old civil servant, is a gentle, soft-spoken, highly intelligent young man who simply gave up his belief in God when he saw poverty, war, famine and disaster around the world.
He faces the possibility of up to six years in prison, charged with blasphemy, disseminating hatred and spreading atheism. Radical Muslims came to his office, beat him up, and called the police after reading about his views on Facebook.
Alex is the first atheist in Indonesia to be jailed for his belief, but his case is symptomatic of a wider increase in religious intolerance in the world’s largest Muslim-majority nation. The previous Sunday, I joined a small church in Bekasi, a suburb of Jakarta, for a service, but found the street blocked by a noisy, angry mob and a few police.
The church, known as HKBP Filadelfia, was forced to close a few years ago, even though the local courts had given permission to open. The local mayor, under pressure from Islamists, has declared a “zero church” policy in his area. For the past two months, the congregation has been blocked from worshiping in the street outside their building, and the atmosphere has grown increasingly tense.
When I was there, I felt it could have erupted into violence at any moment. The radicals in control of the loudspeaker shouted “Christians, get out,” and “anyone not wearing a jilbab (headscarf), catch them, hunt them down.”
World leaders and commentators like to point to Indonesia as a model of tolerance and pluralism and an example of how Islam and democracy are not incompatible. To a certain extent they are right — Indonesia does have a great tradition of pluralism, a generally tolerant brand of Islam, and has made a remarkable transition from authoritarianism to democracy.
The majority of Indonesian Muslims remain moderate, and are appalled by rising intolerance. But three factors are undermining religious freedom: the silence and passivity of the majority, growing radicalization, and the weakness of the government at every level.
It is not only religious tolerance and freedom that is under threat, but also the rule of law. Another church, GKI Yasmin in Bogor, an hour from Jakarta, has approval from the Supreme Court to open, but the local mayor, again under pressure from Islamists, refuses to allow it. A district mayor is in defiance of the Supreme Court, and no one says a word.
The Ahmadiyya Muslim community is perhaps the most persecuted. Violent attacks against this group, whose beliefs are considered heretical by many conservative Muslims, have increased significantly. Last year I met victims of one of the worst outbreaks of violence, an attack on Ahmadis in Cikeusik on Feb. 6, 2011, which left three people dead.
One man described how he was stripped naked and beaten severely and a machete was held at his throat. He was dragged through the village and dumped in a truck like a corpse. Another man fled into a fast-flowing river, pursued by attackers throwing rocks and shouting “kill, kill, kill.”
He hid in a bush, dripping wet and extremely cold, for four hours. A third suffered a broken jaw, while a fourth, pursued by men armed with sickles, machetes and spears, was detained by the police for three days, treated as a suspect not a victim.
Of the 1,500-strong mob that attacked 21 Ahmadis, only 12 people were arrested and prosecuted, according to The New York Times. Their sentences were between three and six months.
These are by no means the only cases. Earlier this month, radicals attacked a lecture by the liberal Canadian Muslim Irshad Manji. In Aceh, 17 churches were forced to close.
I met other church pastors who talked about their churches being closed, and a woman, the Rev. Luspida, who was beaten while one of her congregation was knifed. “We have no religious freedom here anymore,” she told me. “We need to give a message to the president. He cannot say the situation is good here. We need to remind him our situation is very critical, and he should do something for the future of Indonesia. Support from outside is very important to pressure the president.”
As Indonesia faces its Universal Periodic Review by the United Nations Human Rights Council — a process applied periodically to every member state — serious questions should be asked about the country’s future. If action is not taken, Indonesia’s accomplishments over the past decade could be jeopardized.
It is not too late. There are some excellent Indonesian Muslim organizations such as the Wahid Institute, founded by former President Abdurrahman Wahid, and the Maarif Institute, whose work should be supported.
If President Susilo Bambang Yudhoyono acted, he would have the silent majority behind him. His government made progress in tackling terrorism, but it should not shirk its responsibility to fight the ideology that underpins terror. His government should stop giving in to the radicals and start protecting the rights of all Indonesians to choose, change and practice their religion, as provided in Article 18 of the Universal Declaration of Human Rights.
I went to meet Alex Aan because as a Christian, I believe in the freedom of religion, which includes the right not to believe.
Benedict Rogers works for the international human rights organization Christian Solidarity Worldwide, based in London..
JAKARTA — Just a few days after Lady Gaga’s concert in Indonesia was canceled after protests by Islamic groups, I flew 1,370 kilometers from Jakarta to Padang, West Sumatra, and drove a further 130 kilometers, a four-hour journey along rough, winding roads, to Sijunjung, to visit an Indonesian atheist jailed for his beliefs.
Alex Aan, a 30-year-old civil servant, is a gentle, soft-spoken, highly intelligent young man who simply gave up his belief in God when he saw poverty, war, famine and disaster around the world.
He faces the possibility of up to six years in prison, charged with blasphemy, disseminating hatred and spreading atheism. Radical Muslims came to his office, beat him up, and called the police after reading about his views on Facebook.
Alex is the first atheist in Indonesia to be jailed for his belief, but his case is symptomatic of a wider increase in religious intolerance in the world’s largest Muslim-majority nation. The previous Sunday, I joined a small church in Bekasi, a suburb of Jakarta, for a service, but found the street blocked by a noisy, angry mob and a few police.
The church, known as HKBP Filadelfia, was forced to close a few years ago, even though the local courts had given permission to open. The local mayor, under pressure from Islamists, has declared a “zero church” policy in his area. For the past two months, the congregation has been blocked from worshiping in the street outside their building, and the atmosphere has grown increasingly tense.
When I was there, I felt it could have erupted into violence at any moment. The radicals in control of the loudspeaker shouted “Christians, get out,” and “anyone not wearing a jilbab (headscarf), catch them, hunt them down.”
World leaders and commentators like to point to Indonesia as a model of tolerance and pluralism and an example of how Islam and democracy are not incompatible. To a certain extent they are right — Indonesia does have a great tradition of pluralism, a generally tolerant brand of Islam, and has made a remarkable transition from authoritarianism to democracy.
The majority of Indonesian Muslims remain moderate, and are appalled by rising intolerance. But three factors are undermining religious freedom: the silence and passivity of the majority, growing radicalization, and the weakness of the government at every level.
It is not only religious tolerance and freedom that is under threat, but also the rule of law. Another church, GKI Yasmin in Bogor, an hour from Jakarta, has approval from the Supreme Court to open, but the local mayor, again under pressure from Islamists, refuses to allow it. A district mayor is in defiance of the Supreme Court, and no one says a word.
The Ahmadiyya Muslim community is perhaps the most persecuted. Violent attacks against this group, whose beliefs are considered heretical by many conservative Muslims, have increased significantly. Last year I met victims of one of the worst outbreaks of violence, an attack on Ahmadis in Cikeusik on Feb. 6, 2011, which left three people dead.
One man described how he was stripped naked and beaten severely and a machete was held at his throat. He was dragged through the village and dumped in a truck like a corpse. Another man fled into a fast-flowing river, pursued by attackers throwing rocks and shouting “kill, kill, kill.”
He hid in a bush, dripping wet and extremely cold, for four hours. A third suffered a broken jaw, while a fourth, pursued by men armed with sickles, machetes and spears, was detained by the police for three days, treated as a suspect not a victim.
Of the 1,500-strong mob that attacked 21 Ahmadis, only 12 people were arrested and prosecuted, according to The New York Times. Their sentences were between three and six months.
These are by no means the only cases. Earlier this month, radicals attacked a lecture by the liberal Canadian Muslim Irshad Manji. In Aceh, 17 churches were forced to close.
I met other church pastors who talked about their churches being closed, and a woman, the Rev. Luspida, who was beaten while one of her congregation was knifed. “We have no religious freedom here anymore,” she told me. “We need to give a message to the president. He cannot say the situation is good here. We need to remind him our situation is very critical, and he should do something for the future of Indonesia. Support from outside is very important to pressure the president.”
As Indonesia faces its Universal Periodic Review by the United Nations Human Rights Council — a process applied periodically to every member state — serious questions should be asked about the country’s future. If action is not taken, Indonesia’s accomplishments over the past decade could be jeopardized.
It is not too late. There are some excellent Indonesian Muslim organizations such as the Wahid Institute, founded by former President Abdurrahman Wahid, and the Maarif Institute, whose work should be supported.
If President Susilo Bambang Yudhoyono acted, he would have the silent majority behind him. His government made progress in tackling terrorism, but it should not shirk its responsibility to fight the ideology that underpins terror. His government should stop giving in to the radicals and start protecting the rights of all Indonesians to choose, change and practice their religion, as provided in Article 18 of the Universal Declaration of Human Rights.
I went to meet Alex Aan because as a Christian, I believe in the freedom of religion, which includes the right not to believe.
Benedict Rogers works for the international human rights organization Christian Solidarity Worldwide, based in London..
The Most Suitable Car for Professionals
How often are you late for work?
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The Sign of the Armageddon
This photo is very rare one, Taken by NASA.
This kind of event occurs once in 3000 years.
This photo has done miracles in many lives. Make a wish by having a look at the eye of God..
Sure you will see the changes in your life with in a day.
Believe it or not..God bless U.
THIS IS A PICTURE NASA TOOK WITH THE HUBBLE TELESCOPE..
CALLED "THE EYE OF GOD".
This kind of event occurs once in 3000 years.
This photo has done miracles in many lives. Make a wish by having a look at the eye of God..
Sure you will see the changes in your life with in a day.
Believe it or not..God bless U.
THIS IS A PICTURE NASA TOOK WITH THE HUBBLE TELESCOPE..
CALLED "THE EYE OF GOD".
Become a better you
Joel Osteen “Become a better you”
Discovering your destiny
1. Before you were born, God saw you, & He endowed you with gifts & talents uniquely designed for you. He’s given you ideas & creativity, as well as specific areas in which you can excel.
2. Why, then, do so many people today feel unfulfilled in their lives, merely going to work at some mundane job, trying to earn a living, stuck in a career they don’t even like? The answer is simple: They are not pursuing the dreams & desires God has placed within their hearts.
3. I can’t think of anything more tragic than to come to the end of life on earth & realize that you have not really “lived,” that you have not become what God created you to be. You simply endured an average, mediocre life. You got by, but you lived without passion or enthusiasm.
4. Ironically, the wealthiest places on earth are the cemeteries, because lying in those graves are all kinds of dreams & desires that will never be fulfilled. Buried beneath the ground are books that will never be written, business that will never be started, & relationships that will never be formed.
5. Our goal should be that we’re going to live life to the fullest, pursuing our passions & dreams, and when it comes our time to go, we will have used as much of our potential as possible.
6. Your destiny will usually follow the dream about which you are most passionate. What are you passionate about? What do you really love doing? Your destiny will be a part of the dreams & desires that are in your heart – part of your very nature. Because God made you & He is the one who put those desires within you in the first place.
7. I really believe when we get into our destiny & we are doing what we know we’re called to do, enthusiasm & excitement will exude from us naturally. We may not jump up & down every day, but deep within, we’re going to know: This is what I was called to do. This is why I was born. This is my destiny.
8. Examine your life & be aware of how you’re spending your time. Are you pursuing your passion? Are you doing what you are good at naturally? If not, why don’t you make some changes? Time is short. Find one thing that you’re passionate about and start giving yourself to it. And God will lead you one step at a time.
Discovering your destiny
1. Before you were born, God saw you, & He endowed you with gifts & talents uniquely designed for you. He’s given you ideas & creativity, as well as specific areas in which you can excel.
2. Why, then, do so many people today feel unfulfilled in their lives, merely going to work at some mundane job, trying to earn a living, stuck in a career they don’t even like? The answer is simple: They are not pursuing the dreams & desires God has placed within their hearts.
3. I can’t think of anything more tragic than to come to the end of life on earth & realize that you have not really “lived,” that you have not become what God created you to be. You simply endured an average, mediocre life. You got by, but you lived without passion or enthusiasm.
4. Ironically, the wealthiest places on earth are the cemeteries, because lying in those graves are all kinds of dreams & desires that will never be fulfilled. Buried beneath the ground are books that will never be written, business that will never be started, & relationships that will never be formed.
5. Our goal should be that we’re going to live life to the fullest, pursuing our passions & dreams, and when it comes our time to go, we will have used as much of our potential as possible.
6. Your destiny will usually follow the dream about which you are most passionate. What are you passionate about? What do you really love doing? Your destiny will be a part of the dreams & desires that are in your heart – part of your very nature. Because God made you & He is the one who put those desires within you in the first place.
7. I really believe when we get into our destiny & we are doing what we know we’re called to do, enthusiasm & excitement will exude from us naturally. We may not jump up & down every day, but deep within, we’re going to know: This is what I was called to do. This is why I was born. This is my destiny.
8. Examine your life & be aware of how you’re spending your time. Are you pursuing your passion? Are you doing what you are good at naturally? If not, why don’t you make some changes? Time is short. Find one thing that you’re passionate about and start giving yourself to it. And God will lead you one step at a time.
The Happiest Countries in the World
For the second year in a row, 24/7 Wall St. examined the Organisation for Economic Co-operation and Development’s report on life satisfaction in the developed world. Economic prosperity, health and a strong social support network continue to correspond highly with happiness. Once again, the United States fails to make the top 10 happiest nations in the world, while countries like Australia, Israel and all of the Scandinavian nations do.
The OECD measured more than 30 sets of data in 11 different categories, including education, health and employment. The study also asked residents of each country to rank, on a scale of 1 to 10, their general satisfaction with their lives. 24/7 Wall St. examined the 10 countries with the highest life satisfaction scores to find the strongest factors related to happiness.
Economic prosperity appears to be one of the strongest factors that relates to overall life satisfaction. Of the 10 countries with the highest levels of happiness, nine have personal incomes that are higher than the OECD average. Eight of them have among the highest disposable incomes among developed nations.
In addition, the overall regional economies of these 10 nations appear to be doing exceptionally well. Government debt as a percentage of gross domestic product in these countries is either among the smallest in the developed world, or these nations are actually running a surplus. Norway, which has the second-highest satisfaction score, has a government surplus of 162.5% of its GDP.
Employment is one of the most obvious causes of satisfaction, according to Matthias Rumpf, OECD’s chief media officer, especially long-term employment and job stability. Of the 10 countries with the highest job satisfaction rates, nine are among the 15 with the lowest long-term unemployment rates — the percentage of the population that has been unemployed for more than a year. “Those who are unemployed are generally not very happy,” Rumpf says. And long-term unemployment is even worse, he explains. While being between jobs can affect a person, “the longer you are unemployed, the worse it gets.”
After economic stability, physical and social well-being are the largest determinants for happiness. When it comes to self-reported health, eight of the 10 countries have a higher rate of citizens reporting good health than the OECD average of 70%. All but one have a higher life expectancy than the OECD average of 79.8 years. When it comes to having a strong social support network, seven of the countries have among the largest percentage of residents reporting having a friend or relative they could rely on in a case of need.
Not surprisingly, having enough leisure time affects a person’s mental health and strongly impacts happiness. According to the report, while data is incomplete, the majority of the countries with a strong sense of well-being have more leisure time each day than the OECD average of 14.76 hours (this includes sleep). The citizens of Denmark, the happiest country, have the most leisure time available per day, at 16.06 hours.
The U.S. ranks 11th in life satisfaction, just missing the top 10. This suggests that while some of these categories may impact happiness, they do not guarantee it. Despite its above-average score, the U.S. has the highest rate of disposable income in the OECD and an extremely high rate of self-reported good health. Meanwhile, the U.S. has a particularly low life expectancy for developed nations, which at 78.7 years is worse than 26 other developed nations. The U.S. also has a low job security rate and a relatively high long-term unemployment rate.
Examining 34 separate member nations, a number of emerging economies, and two additional participating countries — Brazil and Russia — the OECD’s 2012 Better Life Index report measured more than 30 indices in 11 separate categories: housing, income, jobs, community, education, the environment, civic engagement, health, life satisfaction, safety and work-life balance. 24/7 Wall St. reviewed the 10 countries in which residents reported personal well-being at an average of 7.2 out of 10 or better.
These are the happiest countries in the world.
1. Denmark
> Life satisfaction score: 7.8
> Employment rate: 73% (6th highest)
> Self-reported good health: 71% (17th highest)
> Employees working long hours: 1.92% (4th lowest)
> Disposable income: $23,213 (15th lowest)
> Educational attainment: 76% (18th lowest)
> Life expectancy: 79.3 (11th lowest)
Denmark tops the OECD ranking as the country with the most satisfied citizens among the countries studied by the OECD. At first glance, the reason is not obvious. Denmark ranks no higher than fourth in any of the categories that appear to correlate strongly with overall satisfaction. Yet, in addition to the OECD, organizations such as the World Map of Happiness and the World Database of Happiness have consistently put Denmark at the top of their list of the world’s happiest countries. A high employment rate of 73% and a low percentage of 1.92% of employees working long hours contribute to high satisfaction levels. But overall, it is hard to pin down why those Danes are so darn happy.
2. Norway
> Life satisfaction score: 7.6
> Employment rate: 75% (4th highest)
> Self-reported good health: 80% (8th highest)
> Employees working long hours: 2.66% (5th lowest)
> Disposable income: $30,465 (3rd highest)
> Educational attainment: 81% (tied - 15th highest)
> Life expectancy:81.2 (10th highest)
Of all the nations examined in the OECD’s report, Norway is among the most financially secure. Of working-age adults, 75% are employed — the fourth-best rate. Also, the average household disposable income is $30,645, the third highest among OECD nations. Norway also significantly outspends almost all other surveyed nations on health care, allocating $5,003 per person per year. This is well above the average for OECD nations of $3,060 per person per year. Norway also has one of the healthiest populations, with a life expectancy of 81.2 years and 80% claiming to be in “good” or “very good” health. Showcasing its economic strength, Norway is able to provide quality public health and education services while maintaining a budget surplus of 162.5% of GDP and an AAA rating from Standard & Poor’s Rating Services.
3. Netherlands
> Life satisfaction score: 7.5
> Employment rate: 75% (tied - 3rd highest)
> Self-reported good health: 77% (11th highest)
> Employees working long hours: 0.68% (2nd lowest)
> Disposable income: $25,740 (13th highest)
> Educational attainment: 73% (15th lowest)
> Life expectancy: 80.8 (14th highest)
The Dutch government is heavily involved in internal economic affairs, playing a “significant role … pertaining to almost every aspect of economic activity,” according to the U.S. Department of State. Judging by Netherlands’ 75% employment rate — the third highest among those surveyed — this regulated, monitored economy has thrived in recent years. Of those employed, only 0.68% work longer than 50 hours a week — the second-lowest percentage among those surveyed. By contrast, 10.86% of U.S. workers eclipse the 50 hour mark. The Dutch also rank among the top 15 in self-reported good health, life expectancy and disposable income.
4. Switzerland
> Life satisfaction score: 7.5
> Employment rate: 79% (1st highest)
> Self-reported good health: 87% (4th highest)
> Employees working long hours: 5.87% (17th highest)
> Disposable income: $27,756 (5th most)
> Educational attainment: 87% (8th highest)
> Life expectancy: 82.6 (2nd highest)
The most salient statistic with respect to well-being for the fourth ranked country on the list is employment. Switzerland tops the list in terms of working age employment rate at a whopping 79%. Switzerland also cracks the top five in three other categories: disposable income ($27,756), self-reported good health (87%) and life expectancy (82.6 years). Given these stellar numbers, it is easy to see why, according to the U.S. Department of State, “Switzerland consistently ranks high on quality of life indices.” The Swiss also have very high rates of insurance coverage and computer and Internet usage.
5. Austria
> Life satisfaction score: 7.5
> Employment rate: 72% (8th highest)
> Self-reported good health: 69% (17th lowest)
> Employees working long hours: 9.02% (10th highest)
> Disposable income: $27,541 (7th highest)
> Educational attainment: 82% (tied - 12th highest)
> Life expectancy: 80.7 (22nd lowest)
Austria stands out in many economic categories. Ranking within the top 10 in both employment rate and disposable income, the Austrians have certainly had some measure of financial success. Disposable income, in particular, stands out as a strong factor in happiness for Austrians. The country’s average annual disposable income is $27,541, while OECD nations average $22,387. This disparity may be in part attributable to the number of citizens working in excess of 50 hours a week, which, at 9.02%, ranks 10th among OECD nations.
6. Israel
> Life satisfaction score: 7.4
> Employment rate: 60% (11th lowest)
> Self-reported good health: 81% (7th highest)
> Employees working long hours: 18.92% (3rd lowest)
> Disposable income: n/a
> Educational attainment: 82% (tied - 12th highest)
> Life expectancy: 81.7 years (6th highest)
Israelis have a life expectancy of 81.7 years — sixth highest among OECD nations. The country also has a low obesity rate of 13.8%, while 81% of those surveyed report their health to be “good” or “very good.” By comparison, Americans’ life expectancy is 78.7 years, and they also have a higher obesity rate of 33.8% among adults. Despite the constant security concerns in the country, the homicide rate in Israel is in line with the OECD’s average of 2.1 murders per 100,000 people. In addition, 70% of Israelis surveyed feel safe walking home at night. Although Israelis work long hours, with 18.92% working at least 50 hours a week, life satisfaction remains high.
7. Finland
> Life satisfaction score: 7.4
> Employment rate: 68% (14th highest)
> Self-reported good health: 68% (15th lowest)
> Employees working long hours: 3.66% (8th lowest)
> Disposable income: $24,958 (14th highest)
> Educational attainment: 82% (tied - 12th highest)
> Life expectancy: 80.2 years (16th lowest)
According to OECD figures, the Finns value their free time. They devote 14.9 hours per day to leisure on average, the ninth highest among developed nations. Americans, on the other hand, rank 20th with only 14.27 hours of leisure time each day. Finland also has the eighth-lowest percentage of employees working more than 50 hours per week, at only 3.66%. When they are not working, many Finns like to indulge by taking a sauna — so many, in fact, that a country with a population of 5.3 million has 2 million saunas, much more than the number of cars in the country.
8. Australia
> Life satisfaction score: 7.4
> Employment rate: 72% (9th highest)
> Self-reported good health: 85% (5th highest)
> Employees working long hours:13.99% (4th highest)
> Disposable income: $26,927 (9th highest)
> Educational attainment: 71% (tied - 12th lowest)
> Life expectancy: 81.8 years (5th highest)
Of the countries with high life satisfaction, Australia’s citizens have comparatively little leisure time. They tend to work long hours, with nearly 14% of the population working 50 hours a week or more. Australians are healthier than most, with a life expectancy of 81.8 years — the fifth highest in the OECD. Additionally, 85% of Australians report their health to be either “good” or “very good.” The national economy has also fared well in recent years, with a post-financial crisis peak unemployment rate of only 5.7%. Presently, the Australian unemployment rate is 4.9%. Another sign of economic strength is the low government debt that stands only at 4.9% of GDP. Comparatively, the U.S. government debt represents 73.8% of GDP.
9. Canada
> Life satisfaction score: 7.4
> Employment rate: 72% (7th highest)
> Self-reported good health: 88% (3rd highest)
> Employees working long hours: 3.91% (11th lowest)
> Disposable income: $27,138 (8th highest)
> Educational attainment: 88% (5th highest)
> Life expectancy: 80.8 years (13th highest)
Canada’s score of 7.4 has much to do with the success of its health care system, a socialized plan that provides coverage to all of its citizens. As many as 88% of Canadians report their health to be “good” or “very good,” which ranks third among all nations surveyed. Canada also ranks among the top 15 nations in life expectancy. Other factors that may be contributing to Canadians’ high life satisfaction level are education and employment levels. Some 88% of Canadians have at least a high school diploma — the fifth-highest rate among the nations the OECD reviewed. Also, 72% of working-age citizens are employed — the seventh-highest rate. By comparison, Italy — one of the poorer-performing countries in these categories — has a working-age employment rate of 57%, and only 54% of its population has at least a high school diploma.
10. Sweden
> Life satisfaction score: 7.3
> Employment rate: 73% (5th highest)
> Self-reported good health: 79% (9th highest)
> Employees working long hours: 1.28% (3rd lowest)
> Disposable income: $26,633 (11th highest)
> Educational attainment: 86% (9th highest)
> Life expectancy: 81.5 years (7th highest)
In the OECD’s latest Better Life Index report, Sweden scores 7.3, the 10th-best score. Sweden has a life expectancy of 81.5 years, which is the seventh highest in the OECD. The country has extremely low pollution levels as well. According to the Better Life Index data, 97% of Swedes are satisfied with the quality of their drinking water — the second most among developed countries. The country also has the lowest levels of air pollution in the OECD. In the country, leisure is a priority for the working population as just 1.28% of Swedish employees work in excess of 50 hours per week. By comparison, 10.86% of U.S. employees work that much each week.
The OECD measured more than 30 sets of data in 11 different categories, including education, health and employment. The study also asked residents of each country to rank, on a scale of 1 to 10, their general satisfaction with their lives. 24/7 Wall St. examined the 10 countries with the highest life satisfaction scores to find the strongest factors related to happiness.
Economic prosperity appears to be one of the strongest factors that relates to overall life satisfaction. Of the 10 countries with the highest levels of happiness, nine have personal incomes that are higher than the OECD average. Eight of them have among the highest disposable incomes among developed nations.
In addition, the overall regional economies of these 10 nations appear to be doing exceptionally well. Government debt as a percentage of gross domestic product in these countries is either among the smallest in the developed world, or these nations are actually running a surplus. Norway, which has the second-highest satisfaction score, has a government surplus of 162.5% of its GDP.
Employment is one of the most obvious causes of satisfaction, according to Matthias Rumpf, OECD’s chief media officer, especially long-term employment and job stability. Of the 10 countries with the highest job satisfaction rates, nine are among the 15 with the lowest long-term unemployment rates — the percentage of the population that has been unemployed for more than a year. “Those who are unemployed are generally not very happy,” Rumpf says. And long-term unemployment is even worse, he explains. While being between jobs can affect a person, “the longer you are unemployed, the worse it gets.”
After economic stability, physical and social well-being are the largest determinants for happiness. When it comes to self-reported health, eight of the 10 countries have a higher rate of citizens reporting good health than the OECD average of 70%. All but one have a higher life expectancy than the OECD average of 79.8 years. When it comes to having a strong social support network, seven of the countries have among the largest percentage of residents reporting having a friend or relative they could rely on in a case of need.
Not surprisingly, having enough leisure time affects a person’s mental health and strongly impacts happiness. According to the report, while data is incomplete, the majority of the countries with a strong sense of well-being have more leisure time each day than the OECD average of 14.76 hours (this includes sleep). The citizens of Denmark, the happiest country, have the most leisure time available per day, at 16.06 hours.
The U.S. ranks 11th in life satisfaction, just missing the top 10. This suggests that while some of these categories may impact happiness, they do not guarantee it. Despite its above-average score, the U.S. has the highest rate of disposable income in the OECD and an extremely high rate of self-reported good health. Meanwhile, the U.S. has a particularly low life expectancy for developed nations, which at 78.7 years is worse than 26 other developed nations. The U.S. also has a low job security rate and a relatively high long-term unemployment rate.
Examining 34 separate member nations, a number of emerging economies, and two additional participating countries — Brazil and Russia — the OECD’s 2012 Better Life Index report measured more than 30 indices in 11 separate categories: housing, income, jobs, community, education, the environment, civic engagement, health, life satisfaction, safety and work-life balance. 24/7 Wall St. reviewed the 10 countries in which residents reported personal well-being at an average of 7.2 out of 10 or better.
These are the happiest countries in the world.
1. Denmark
> Life satisfaction score: 7.8
> Employment rate: 73% (6th highest)
> Self-reported good health: 71% (17th highest)
> Employees working long hours: 1.92% (4th lowest)
> Disposable income: $23,213 (15th lowest)
> Educational attainment: 76% (18th lowest)
> Life expectancy: 79.3 (11th lowest)
Denmark tops the OECD ranking as the country with the most satisfied citizens among the countries studied by the OECD. At first glance, the reason is not obvious. Denmark ranks no higher than fourth in any of the categories that appear to correlate strongly with overall satisfaction. Yet, in addition to the OECD, organizations such as the World Map of Happiness and the World Database of Happiness have consistently put Denmark at the top of their list of the world’s happiest countries. A high employment rate of 73% and a low percentage of 1.92% of employees working long hours contribute to high satisfaction levels. But overall, it is hard to pin down why those Danes are so darn happy.
2. Norway
> Life satisfaction score: 7.6
> Employment rate: 75% (4th highest)
> Self-reported good health: 80% (8th highest)
> Employees working long hours: 2.66% (5th lowest)
> Disposable income: $30,465 (3rd highest)
> Educational attainment: 81% (tied - 15th highest)
> Life expectancy:81.2 (10th highest)
Of all the nations examined in the OECD’s report, Norway is among the most financially secure. Of working-age adults, 75% are employed — the fourth-best rate. Also, the average household disposable income is $30,645, the third highest among OECD nations. Norway also significantly outspends almost all other surveyed nations on health care, allocating $5,003 per person per year. This is well above the average for OECD nations of $3,060 per person per year. Norway also has one of the healthiest populations, with a life expectancy of 81.2 years and 80% claiming to be in “good” or “very good” health. Showcasing its economic strength, Norway is able to provide quality public health and education services while maintaining a budget surplus of 162.5% of GDP and an AAA rating from Standard & Poor’s Rating Services.
3. Netherlands
> Life satisfaction score: 7.5
> Employment rate: 75% (tied - 3rd highest)
> Self-reported good health: 77% (11th highest)
> Employees working long hours: 0.68% (2nd lowest)
> Disposable income: $25,740 (13th highest)
> Educational attainment: 73% (15th lowest)
> Life expectancy: 80.8 (14th highest)
The Dutch government is heavily involved in internal economic affairs, playing a “significant role … pertaining to almost every aspect of economic activity,” according to the U.S. Department of State. Judging by Netherlands’ 75% employment rate — the third highest among those surveyed — this regulated, monitored economy has thrived in recent years. Of those employed, only 0.68% work longer than 50 hours a week — the second-lowest percentage among those surveyed. By contrast, 10.86% of U.S. workers eclipse the 50 hour mark. The Dutch also rank among the top 15 in self-reported good health, life expectancy and disposable income.
4. Switzerland
> Life satisfaction score: 7.5
> Employment rate: 79% (1st highest)
> Self-reported good health: 87% (4th highest)
> Employees working long hours: 5.87% (17th highest)
> Disposable income: $27,756 (5th most)
> Educational attainment: 87% (8th highest)
> Life expectancy: 82.6 (2nd highest)
The most salient statistic with respect to well-being for the fourth ranked country on the list is employment. Switzerland tops the list in terms of working age employment rate at a whopping 79%. Switzerland also cracks the top five in three other categories: disposable income ($27,756), self-reported good health (87%) and life expectancy (82.6 years). Given these stellar numbers, it is easy to see why, according to the U.S. Department of State, “Switzerland consistently ranks high on quality of life indices.” The Swiss also have very high rates of insurance coverage and computer and Internet usage.
5. Austria
> Life satisfaction score: 7.5
> Employment rate: 72% (8th highest)
> Self-reported good health: 69% (17th lowest)
> Employees working long hours: 9.02% (10th highest)
> Disposable income: $27,541 (7th highest)
> Educational attainment: 82% (tied - 12th highest)
> Life expectancy: 80.7 (22nd lowest)
Austria stands out in many economic categories. Ranking within the top 10 in both employment rate and disposable income, the Austrians have certainly had some measure of financial success. Disposable income, in particular, stands out as a strong factor in happiness for Austrians. The country’s average annual disposable income is $27,541, while OECD nations average $22,387. This disparity may be in part attributable to the number of citizens working in excess of 50 hours a week, which, at 9.02%, ranks 10th among OECD nations.
6. Israel
> Life satisfaction score: 7.4
> Employment rate: 60% (11th lowest)
> Self-reported good health: 81% (7th highest)
> Employees working long hours: 18.92% (3rd lowest)
> Disposable income: n/a
> Educational attainment: 82% (tied - 12th highest)
> Life expectancy: 81.7 years (6th highest)
Israelis have a life expectancy of 81.7 years — sixth highest among OECD nations. The country also has a low obesity rate of 13.8%, while 81% of those surveyed report their health to be “good” or “very good.” By comparison, Americans’ life expectancy is 78.7 years, and they also have a higher obesity rate of 33.8% among adults. Despite the constant security concerns in the country, the homicide rate in Israel is in line with the OECD’s average of 2.1 murders per 100,000 people. In addition, 70% of Israelis surveyed feel safe walking home at night. Although Israelis work long hours, with 18.92% working at least 50 hours a week, life satisfaction remains high.
7. Finland
> Life satisfaction score: 7.4
> Employment rate: 68% (14th highest)
> Self-reported good health: 68% (15th lowest)
> Employees working long hours: 3.66% (8th lowest)
> Disposable income: $24,958 (14th highest)
> Educational attainment: 82% (tied - 12th highest)
> Life expectancy: 80.2 years (16th lowest)
According to OECD figures, the Finns value their free time. They devote 14.9 hours per day to leisure on average, the ninth highest among developed nations. Americans, on the other hand, rank 20th with only 14.27 hours of leisure time each day. Finland also has the eighth-lowest percentage of employees working more than 50 hours per week, at only 3.66%. When they are not working, many Finns like to indulge by taking a sauna — so many, in fact, that a country with a population of 5.3 million has 2 million saunas, much more than the number of cars in the country.
8. Australia
> Life satisfaction score: 7.4
> Employment rate: 72% (9th highest)
> Self-reported good health: 85% (5th highest)
> Employees working long hours:13.99% (4th highest)
> Disposable income: $26,927 (9th highest)
> Educational attainment: 71% (tied - 12th lowest)
> Life expectancy: 81.8 years (5th highest)
Of the countries with high life satisfaction, Australia’s citizens have comparatively little leisure time. They tend to work long hours, with nearly 14% of the population working 50 hours a week or more. Australians are healthier than most, with a life expectancy of 81.8 years — the fifth highest in the OECD. Additionally, 85% of Australians report their health to be either “good” or “very good.” The national economy has also fared well in recent years, with a post-financial crisis peak unemployment rate of only 5.7%. Presently, the Australian unemployment rate is 4.9%. Another sign of economic strength is the low government debt that stands only at 4.9% of GDP. Comparatively, the U.S. government debt represents 73.8% of GDP.
9. Canada
> Life satisfaction score: 7.4
> Employment rate: 72% (7th highest)
> Self-reported good health: 88% (3rd highest)
> Employees working long hours: 3.91% (11th lowest)
> Disposable income: $27,138 (8th highest)
> Educational attainment: 88% (5th highest)
> Life expectancy: 80.8 years (13th highest)
Canada’s score of 7.4 has much to do with the success of its health care system, a socialized plan that provides coverage to all of its citizens. As many as 88% of Canadians report their health to be “good” or “very good,” which ranks third among all nations surveyed. Canada also ranks among the top 15 nations in life expectancy. Other factors that may be contributing to Canadians’ high life satisfaction level are education and employment levels. Some 88% of Canadians have at least a high school diploma — the fifth-highest rate among the nations the OECD reviewed. Also, 72% of working-age citizens are employed — the seventh-highest rate. By comparison, Italy — one of the poorer-performing countries in these categories — has a working-age employment rate of 57%, and only 54% of its population has at least a high school diploma.
10. Sweden
> Life satisfaction score: 7.3
> Employment rate: 73% (5th highest)
> Self-reported good health: 79% (9th highest)
> Employees working long hours: 1.28% (3rd lowest)
> Disposable income: $26,633 (11th highest)
> Educational attainment: 86% (9th highest)
> Life expectancy: 81.5 years (7th highest)
In the OECD’s latest Better Life Index report, Sweden scores 7.3, the 10th-best score. Sweden has a life expectancy of 81.5 years, which is the seventh highest in the OECD. The country has extremely low pollution levels as well. According to the Better Life Index data, 97% of Swedes are satisfied with the quality of their drinking water — the second most among developed countries. The country also has the lowest levels of air pollution in the OECD. In the country, leisure is a priority for the working population as just 1.28% of Swedish employees work in excess of 50 hours per week. By comparison, 10.86% of U.S. employees work that much each week.
The Entrepreneurial Melting Pot
African Americans, Asians, and Latinos are launching new businesses at rates far above the national average
U.S. entrepreneurs are often described as one of the primary drivers of the nation's economy. For starters, small outfits create some 75% of all new jobs, represent 99.7% of all employers, and employ 50% of the private workforce, according to the Small Business Administration. However, today, the biggest driver within the small-business sector appears to be minority-owned businesses. And there is some fairly dramatic data to support this emerging trend.
According to a series of recent surveys released by the U.S. Census Bureau, the total number of U.S. businesses grew by 10%. However, during the same time period, Asian-owned firms increased by 24%, Hispanic-owned businesses by 31%, and African-American-owned firms spiked 45%.
According to the Census data, Asian-American-owned businesses grew at twice the national rate compared with all U.S. companies. The 1.1 million Asian-owned firms produced $326 billion in revenues, up 8% from before. The nearly 1.6 million Latino-owned businesses generated $222 billion in revenue, a 19% increase from before. Finally, the 1.2 million African-American-owned businesses earned $89 billion in this year, a jump of 25%.
DO IT YOURSELF. The sharp trajectory in minority-owned businesses is a reflection of overall changes in American business, industry, and society, and the successful inroads in the economy that minority entrepreneurs are making. As well, it illustrates the results of several initiatives launched over the past couple of decades, particularly those designed to encourage minority entrepreneurship.
"One of the reasons that I think is causing the increase," says Sanford Ehrlich, the director of the Entrepreneurial Management Center at San Diego State University, "is the availability of technical and business services. There are a lot more programs in existence, like micro-lending, and they are beginning to show results."
At the same time, the instability of corporate America and the economic downturn following the dot-com years has driven many people, minorities among them, to launch their own ventures.
BUSINESS DIVERSITY. According to Thomas Boston, a professor of economics at Georgia Tech University and the owner of Atlanta-based economic consultancy Boston Research Group, minority entrepreneurs have found that they can create new and better opportunities by going into business for themselves. "The rate of entrepreneurship among Hispanics and Asians over the past 15 years has been high because migrating immigrants in general tend to have a higher rate of entrepreneurship," he says. However Boston also notes that more recently, he has found a strong latent desire among African-Americans to own their own businesses.
"I've done specific surveys of the Gazelle Index -- 350 CEOs of the fastest-growing African-American businesses," says Boston. "One question that I ask and rank is why do they want to start a business. The highest response is that they want control over their destiny, the second is the opportunity to put into practice the experience and education that they've gained, third is to secure their finances, and fourth is to contribute to the community.
"Another indicator of the strides that minority-owned businesses are making is the shift in the types of outfits they are launching. For instance, many are beginning to move out of the traditional areas of retail and service and into such businesses as high-tech, finance, management consulting, and construction. "As you see they are finding greater access to capital and nontraditional financing," says Boston, "you are seeing a growing diversification."
BANKING ON GROWTH. To maintain this momentum, the next challenge is sustainability and growth. "That means creating businesses with more growth potential," says Michael L. Barrera, president and CEO of the U.S. Hispanic Chamber of Commerce. Those that have "a greater reach outside of the local community are continuing to move into nontraditional retail and service areas such as high-tech, and we are starting to see that now."
Indeed, recognizing the need to create tools and resources to fuel this growth, a group of Latino and non-Latino investors announced the launch of a new bank in California, created primarily to serve the swelling ranks of Hispanic entrepreneurs. With a capitalization of $20 million and set to launch in the fall, it will target Latino family businesses that generate $1 million to $10 million in annual revenue.
The Entrepreneurial Management Center's Ehrlich says: "In five years, I don't expect that minority entrepreneurs will experience [challenges] different than any other small-business owner. Their issues will be similar: how to grow."
U.S. entrepreneurs are often described as one of the primary drivers of the nation's economy. For starters, small outfits create some 75% of all new jobs, represent 99.7% of all employers, and employ 50% of the private workforce, according to the Small Business Administration. However, today, the biggest driver within the small-business sector appears to be minority-owned businesses. And there is some fairly dramatic data to support this emerging trend.
According to a series of recent surveys released by the U.S. Census Bureau, the total number of U.S. businesses grew by 10%. However, during the same time period, Asian-owned firms increased by 24%, Hispanic-owned businesses by 31%, and African-American-owned firms spiked 45%.
According to the Census data, Asian-American-owned businesses grew at twice the national rate compared with all U.S. companies. The 1.1 million Asian-owned firms produced $326 billion in revenues, up 8% from before. The nearly 1.6 million Latino-owned businesses generated $222 billion in revenue, a 19% increase from before. Finally, the 1.2 million African-American-owned businesses earned $89 billion in this year, a jump of 25%.
DO IT YOURSELF. The sharp trajectory in minority-owned businesses is a reflection of overall changes in American business, industry, and society, and the successful inroads in the economy that minority entrepreneurs are making. As well, it illustrates the results of several initiatives launched over the past couple of decades, particularly those designed to encourage minority entrepreneurship.
"One of the reasons that I think is causing the increase," says Sanford Ehrlich, the director of the Entrepreneurial Management Center at San Diego State University, "is the availability of technical and business services. There are a lot more programs in existence, like micro-lending, and they are beginning to show results."
At the same time, the instability of corporate America and the economic downturn following the dot-com years has driven many people, minorities among them, to launch their own ventures.
BUSINESS DIVERSITY. According to Thomas Boston, a professor of economics at Georgia Tech University and the owner of Atlanta-based economic consultancy Boston Research Group, minority entrepreneurs have found that they can create new and better opportunities by going into business for themselves. "The rate of entrepreneurship among Hispanics and Asians over the past 15 years has been high because migrating immigrants in general tend to have a higher rate of entrepreneurship," he says. However Boston also notes that more recently, he has found a strong latent desire among African-Americans to own their own businesses.
"I've done specific surveys of the Gazelle Index -- 350 CEOs of the fastest-growing African-American businesses," says Boston. "One question that I ask and rank is why do they want to start a business. The highest response is that they want control over their destiny, the second is the opportunity to put into practice the experience and education that they've gained, third is to secure their finances, and fourth is to contribute to the community.
"Another indicator of the strides that minority-owned businesses are making is the shift in the types of outfits they are launching. For instance, many are beginning to move out of the traditional areas of retail and service and into such businesses as high-tech, finance, management consulting, and construction. "As you see they are finding greater access to capital and nontraditional financing," says Boston, "you are seeing a growing diversification."
BANKING ON GROWTH. To maintain this momentum, the next challenge is sustainability and growth. "That means creating businesses with more growth potential," says Michael L. Barrera, president and CEO of the U.S. Hispanic Chamber of Commerce. Those that have "a greater reach outside of the local community are continuing to move into nontraditional retail and service areas such as high-tech, and we are starting to see that now."
Indeed, recognizing the need to create tools and resources to fuel this growth, a group of Latino and non-Latino investors announced the launch of a new bank in California, created primarily to serve the swelling ranks of Hispanic entrepreneurs. With a capitalization of $20 million and set to launch in the fall, it will target Latino family businesses that generate $1 million to $10 million in annual revenue.
The Entrepreneurial Management Center's Ehrlich says: "In five years, I don't expect that minority entrepreneurs will experience [challenges] different than any other small-business owner. Their issues will be similar: how to grow."
Financial Compatibility in Start a Service Business
Before you decide to get into business for yourself selling services, there are two issues to consider regarding financial compatibility--income and investment money. First, when deciding what type of service to sell, you have to consider how much money you want to earn and how much money you need to earn. If you need to earn $75,000 per year to pay your personal expenses, there is little sense in starting a dog-walking service. Perhaps there are a few dog walkers earning this much, but it's not a realistic expectation. How much money do you want to earn--that is, how ambitious are you? Again, you must be realistic and relatively sure the service you choose to sell has the potential to generate enough income to live on in the short-term, and the potential to match your income goals in the longer term. Income doesn't have to factor into the business startup equation for everyone. If you want and need to earn only a little money from a part-time or retirement business, the income equation will not factor as heavily as other issues.
The second big financial compatibility issue affecting your decision about which business to start or purchase is the amount of money needed to start or purchase the business. Not only will you need to have or have access to the investment needed to get rolling, but you'll also need extra money for working capital to cover day-to-day operating expenses until the business achieves positive cash flow. This can take a week, a month or even a year.
Ultimately, financial compatibility is important when starting a business and deciding what services to sell. If you cannot afford to start the business and don't have the financial resources to pay operating expenses and your wages until the business can break even, you'll probably have to look at alternative options, such as starting part time, choosing a different business to start, or waiting until you have acquired the money needed to get started.
Finding a Good Match
You also must be well suited to start and operate the business and services you're considering providing. You and your business must be a good match. You may have an interest and even experience in a specific business or in providing a specific service, but that doesn't necessarily make it a good match. Here are a few points to consider when determining a good business match.
• Do you have the financial resources to start or purchase the business, and enough money to pay the day-to-day operating expenses until the business breaks even and is profitable? If not, it's probably not a good match, and you should consider alternatives.
• Does the business have the potential to generate the income you need to pay your personal expenses, and does it also have the potential to generate the income you want to earn? This is very important because if you can't pay your own personal bills, you'll soon be in trouble. And if, over time, you can't earn the income you want to earn, you'll lose interest in the business--a recipe for disaster.
• Are you physically healthy enough to handle the physical strains of starting and running the business? If not, you may end up having to hire people for the job, which can be problematic if the business revenues aren't there to support both management and employee wages.
• Do you have experience in this type of business or service, and do you have any special skills that can be utilized in the business? You can gain experience and knowledge on the job but skills that can be utilized and capitalized upon right away are extremely valuable.
• Are there any special certificates or educational requirements to start and operate the business, and are these readily available? Find out the upfront costs associated with these, how they can be obtained, and the time frame needed to obtain specific certificates. Training and certification shouldn't be viewed negatively because often the return on time and investment is substantially rewarded financially. Anything worth doing is worth doing well.
• Will you enjoy operating the business, and does it match your personality type and level of maturity? This is very important. If you don't think that you would enjoy it, then don't start. Again, the loss of interest in a business is almost certainly the kiss of death. You can't stay motivated and rise to new challenges if you don't like what you're doing.
To start looking for service business ideas, read the book 202 Services You Can Sell for Big Profits or the article "105 Service Businesses to Start Today."
James Stephenson invests his fifteen years of small business, marketing and sales experience into his books. He has started and operated numerous successful homebased businesses, and is author of the highly acclaimed booksUltimate Start-Up Directory andUltimate Small Business Marketing Guide as well as the202 Series. James operates Stephenson & Stephenson, a consulting firm providing small business owners with creative, results-based marketing solutions.
The second big financial compatibility issue affecting your decision about which business to start or purchase is the amount of money needed to start or purchase the business. Not only will you need to have or have access to the investment needed to get rolling, but you'll also need extra money for working capital to cover day-to-day operating expenses until the business achieves positive cash flow. This can take a week, a month or even a year.
Ultimately, financial compatibility is important when starting a business and deciding what services to sell. If you cannot afford to start the business and don't have the financial resources to pay operating expenses and your wages until the business can break even, you'll probably have to look at alternative options, such as starting part time, choosing a different business to start, or waiting until you have acquired the money needed to get started.
Finding a Good Match
You also must be well suited to start and operate the business and services you're considering providing. You and your business must be a good match. You may have an interest and even experience in a specific business or in providing a specific service, but that doesn't necessarily make it a good match. Here are a few points to consider when determining a good business match.
• Do you have the financial resources to start or purchase the business, and enough money to pay the day-to-day operating expenses until the business breaks even and is profitable? If not, it's probably not a good match, and you should consider alternatives.
• Does the business have the potential to generate the income you need to pay your personal expenses, and does it also have the potential to generate the income you want to earn? This is very important because if you can't pay your own personal bills, you'll soon be in trouble. And if, over time, you can't earn the income you want to earn, you'll lose interest in the business--a recipe for disaster.
• Are you physically healthy enough to handle the physical strains of starting and running the business? If not, you may end up having to hire people for the job, which can be problematic if the business revenues aren't there to support both management and employee wages.
• Do you have experience in this type of business or service, and do you have any special skills that can be utilized in the business? You can gain experience and knowledge on the job but skills that can be utilized and capitalized upon right away are extremely valuable.
• Are there any special certificates or educational requirements to start and operate the business, and are these readily available? Find out the upfront costs associated with these, how they can be obtained, and the time frame needed to obtain specific certificates. Training and certification shouldn't be viewed negatively because often the return on time and investment is substantially rewarded financially. Anything worth doing is worth doing well.
• Will you enjoy operating the business, and does it match your personality type and level of maturity? This is very important. If you don't think that you would enjoy it, then don't start. Again, the loss of interest in a business is almost certainly the kiss of death. You can't stay motivated and rise to new challenges if you don't like what you're doing.
To start looking for service business ideas, read the book 202 Services You Can Sell for Big Profits or the article "105 Service Businesses to Start Today."
James Stephenson invests his fifteen years of small business, marketing and sales experience into his books. He has started and operated numerous successful homebased businesses, and is author of the highly acclaimed booksUltimate Start-Up Directory andUltimate Small Business Marketing Guide as well as the202 Series. James operates Stephenson & Stephenson, a consulting firm providing small business owners with creative, results-based marketing solutions.
How To Poop At Work
We've all been there but don't like to admit it. We've all kicked
back in our cubicles and suddenly felt something brew down below. As
much as we try to convince ourselves otherwise, the WORK POOP is
inevitable. For those who hate pooping at work, following is the 2001
Survival Guide for taking a dump at work. Memorize these definitions and
pooping at work will become a pure pleasure.
ESCAPEE.
Definition: a fart that slips out while taking a leak at the urinal or forcing a poop in a stall. This is usually accompanied by a sudden wave of panic embarrassment. This is similar to the hot flash you receive when passing an unseen police car and speeding. If you release an escapee, do not acknowledge it. Pretend it did not happen. If you are standing next to the farter in the urinal, pretend you did not hear it. No one likes an escapee, it is uncomfortable for all involved. Making a joke or laughing makes both parties feel uneasy.
JAILBREAK (Used in conjunction with ESCAPEE).
Definition: When forcing poop, several farts slip out at a machine gun pace. This is usually a side effect of diarrhea or a hangover. If this should happen, do not panic. Remain in the stall until everyone has left the bathroom so to spare everyone the awkwardness of what just occurred.
COURTESY FLUSH.
Definition: The act of flushing the toilet the instant the nose cone of the poop log hits the water and the poop is whisked away to an undisclosed location. This reduces the amount of air time the poop has to stink up the bathroom. This can help you avoid being caught doing the WALK OF SHAME.
WALK OF SHAME.
Definition: Walking from the stall, to the sink, to the door after you have just stunk up the bathroom. This can be a very uncomfortable moment if someone walks in and busts you. As with all farts, it is best to pretend that the smell does not exist. Can be avoided with the use of the COURTESY FLUSH.
OUT OF THE CLOSET POOPER.
Definition: A colleague who poops at work and damn proud of it. You will often see an Out Of The Closet Pooper enter the bathroom with a newspaper or magazine under their arm. Always look around the office for the Out Of The Closet Pooper before entering the bathroom.
THE POOPING FRIENDS NETWORK (PFN).
Definition: A group of coworkers who band together to ensure emergency pooping goes off without incident. This group can help you to monitor the whereabouts of Out Of The Closet Poopers, and identify SAFE HAVENS.
SAFE HAVENS.
Definition: A seldom used bathroom somewhere in the building where you can least expect visitors. Try floors that are predominantly of the opposite sex. This will reduce the odds of a pooper of your sex entering the bathroom.
TURD BURGLAR:
Definition: A pooper who does not realize that you are in the stall and tries to force the door open. This is one of the most shocking and vulnerable moments that can occur when taking a dump at work. If this occurs, remain in the stall until the Turd Burglar leaves. This way you will avoid all uncomfortable eye contact.
CAMO-COUGH.
Definition: A phony cough that alerts all new entrants into the bathroom that you are in a stall. This can be used to cover-up a WATERMELON, or to alert potential Turd Burglars. Very effective when used in conjunction with an ASTAIRE.
ASTAIRE.
Definition: A subtle toe-tap that is used to alert potential Turd Burglars that you are occupying a stall. This will remove all doubt that the stall is occupied. If you hear an Astaire, leave the bathroom immediately so the pooper can poop in peace.
WATERMELON.
Definition: A turd that creates a loud splash when hitting the toilet water. This is also an embarrassing incident. If you feel a Watermelon coming on, create a diversion. See CAMO-COUGH.
HAVANA OMELET.
Definition: A load of diarrhea that creates a series of loud splashes in the toilet water. Often accompanied by an Escapee. Try using a Camo-Cough with an Astaire.
UNCLE TED.
Definition: A bathroom user who seems to linger around forever. Could spend extended lengths of time in front of the mirror or sitting on the pot. An Uncle Ted makes it difficult to relax while on the crapper, as you should always wait to drop your load when the bathroom is empty. This benefits you as well as the other bathroom attendees.
FLY BY.
Definition: The act of scouting out a bathroom before pooping. Walk in and check for other poopers. If there are others in the bathroom, leave and come back again. Be careful not to become a FREQUENT FLYER. People may become suspicious if they catch you constantly going into the bathroom.
ESCAPEE.
Definition: a fart that slips out while taking a leak at the urinal or forcing a poop in a stall. This is usually accompanied by a sudden wave of panic embarrassment. This is similar to the hot flash you receive when passing an unseen police car and speeding. If you release an escapee, do not acknowledge it. Pretend it did not happen. If you are standing next to the farter in the urinal, pretend you did not hear it. No one likes an escapee, it is uncomfortable for all involved. Making a joke or laughing makes both parties feel uneasy.
JAILBREAK (Used in conjunction with ESCAPEE).
Definition: When forcing poop, several farts slip out at a machine gun pace. This is usually a side effect of diarrhea or a hangover. If this should happen, do not panic. Remain in the stall until everyone has left the bathroom so to spare everyone the awkwardness of what just occurred.
COURTESY FLUSH.
Definition: The act of flushing the toilet the instant the nose cone of the poop log hits the water and the poop is whisked away to an undisclosed location. This reduces the amount of air time the poop has to stink up the bathroom. This can help you avoid being caught doing the WALK OF SHAME.
WALK OF SHAME.
Definition: Walking from the stall, to the sink, to the door after you have just stunk up the bathroom. This can be a very uncomfortable moment if someone walks in and busts you. As with all farts, it is best to pretend that the smell does not exist. Can be avoided with the use of the COURTESY FLUSH.
OUT OF THE CLOSET POOPER.
Definition: A colleague who poops at work and damn proud of it. You will often see an Out Of The Closet Pooper enter the bathroom with a newspaper or magazine under their arm. Always look around the office for the Out Of The Closet Pooper before entering the bathroom.
THE POOPING FRIENDS NETWORK (PFN).
Definition: A group of coworkers who band together to ensure emergency pooping goes off without incident. This group can help you to monitor the whereabouts of Out Of The Closet Poopers, and identify SAFE HAVENS.
SAFE HAVENS.
Definition: A seldom used bathroom somewhere in the building where you can least expect visitors. Try floors that are predominantly of the opposite sex. This will reduce the odds of a pooper of your sex entering the bathroom.
TURD BURGLAR:
Definition: A pooper who does not realize that you are in the stall and tries to force the door open. This is one of the most shocking and vulnerable moments that can occur when taking a dump at work. If this occurs, remain in the stall until the Turd Burglar leaves. This way you will avoid all uncomfortable eye contact.
CAMO-COUGH.
Definition: A phony cough that alerts all new entrants into the bathroom that you are in a stall. This can be used to cover-up a WATERMELON, or to alert potential Turd Burglars. Very effective when used in conjunction with an ASTAIRE.
ASTAIRE.
Definition: A subtle toe-tap that is used to alert potential Turd Burglars that you are occupying a stall. This will remove all doubt that the stall is occupied. If you hear an Astaire, leave the bathroom immediately so the pooper can poop in peace.
WATERMELON.
Definition: A turd that creates a loud splash when hitting the toilet water. This is also an embarrassing incident. If you feel a Watermelon coming on, create a diversion. See CAMO-COUGH.
HAVANA OMELET.
Definition: A load of diarrhea that creates a series of loud splashes in the toilet water. Often accompanied by an Escapee. Try using a Camo-Cough with an Astaire.
UNCLE TED.
Definition: A bathroom user who seems to linger around forever. Could spend extended lengths of time in front of the mirror or sitting on the pot. An Uncle Ted makes it difficult to relax while on the crapper, as you should always wait to drop your load when the bathroom is empty. This benefits you as well as the other bathroom attendees.
FLY BY.
Definition: The act of scouting out a bathroom before pooping. Walk in and check for other poopers. If there are others in the bathroom, leave and come back again. Be careful not to become a FREQUENT FLYER. People may become suspicious if they catch you constantly going into the bathroom.
Why You Must Love Your Ass
Ever wonder about those people who say they are giving more than 100%?
We have all been to those meetings where someone wants over 100%.
How about achieving 103%?
Here's a little math that might prove helpful.
If A B C D E F G H I J K L M N O P Q R S T U V W X Y Z is represented as:
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26
Then,
H A R D W O R K
8 1 18 4 23 15 18 11 = 98%
K N O W L E D G E
11 14 15 23 12 5 4 7 5 = 96%
But,
A T T I T U D E
1 20 20 9 20 21 4 5 = 100%
And,
B U L L S H I*T
2 21 12 12 19 8 9 20 = 103%
So, it stands to reason that hardwork and knowledge will get you close, attitude will get you there, but bullshit will put you over the top.
And look how far
A S S K I S S I N G
1 19 19 11 9 19 19 9 14 7 = 118%
will take you!
We have all been to those meetings where someone wants over 100%.
How about achieving 103%?
Here's a little math that might prove helpful.
If A B C D E F G H I J K L M N O P Q R S T U V W X Y Z is represented as:
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26
Then,
H A R D W O R K
8 1 18 4 23 15 18 11 = 98%
K N O W L E D G E
11 14 15 23 12 5 4 7 5 = 96%
But,
A T T I T U D E
1 20 20 9 20 21 4 5 = 100%
And,
B U L L S H I*T
2 21 12 12 19 8 9 20 = 103%
So, it stands to reason that hardwork and knowledge will get you close, attitude will get you there, but bullshit will put you over the top.
And look how far
A S S K I S S I N G
1 19 19 11 9 19 19 9 14 7 = 118%
will take you!
Start a Service Business
Everyone has skills, knowledge and experience--and anyone can turn those assets into a thriving business.
By James Stephenson
Who can sell a service? The answer is simple--anyone and everyone. Everyone is qualified because each of us has skills, knowledge or experience that other people are willing to pay for in the form of a service; or they're willing to pay you to teach them your specific skill or knowledge. Selling services knows no boundaries--anyone with a need or desire to earn extra money, work from home, or start and operate a full-time business can sell a service, regardless of age, business experience, education or current financial resources.
What Are the
Advantages of Selling Services?
There are many advantages associated with starting your own business selling services. Perhaps the biggest advantage is you become your own boss, take control of your future, and in effect become the master of your destiny. I've been self-employed for a number of years, and for me the lure of self-employment is the freedom and independence that calling the shots affords, which can be difficult to achieve when you work for others.
There are many advantages associated with starting your own business selling services. Perhaps the biggest advantage is you become your own boss, take control of your future, and in effect become the master of your destiny. I've been self-employed for a number of years, and for me the lure of self-employment is the freedom and independence that calling the shots affords, which can be difficult to achieve when you work for others.
Operating your own business also gives you the potential to earn more money,
in some instances two, five or even ten times more than you're currently
earning. Why? Simple duplication. When you work for someone else, there is only
you and only so many hours in the day to work for an hourly wage or a salary.
When you operate a business, you can duplicate yourself by hiring employees and
salespeople to increase revenues; you can duplicate your customers and find
more just like them to purchase your services; and you can duplicate your business
model and open in new geographical areas to service more customers and earn
more profit. These are all things you can't do when you work for others, and if
you do, chances are it will financially benefit the boss a lot more than you.
Capitalize on
Your Skills
Don' t worry if you lack business skills and experience in areas such as time management, personal-contact selling, negotiating, bookkeeping and the ability to create effective advertisements. There's no question these are all important skills to have, but at the same time they're also skills that with practice can be learned and mastered. More important is the question, "What skill(s) do you have that can be sold as a service?" Any skill(s) you possess can be your best, and by far your most marketable, asset. If you know how to safely walk a dog, that's a skill people are willing to pay you for. If you know how to plan and throw one heck of a party, that's also a skill people are willing to pay you for as their event and party planner. If you know how to play the piano, this is a skill other people will pay you to teach them. If you know how to sell products and services online, once again that's a skill that people are willing to pay you for as an online marketing consultant. All are examples of skills that people pay other people to perform, or teach them how to learn.
Don' t worry if you lack business skills and experience in areas such as time management, personal-contact selling, negotiating, bookkeeping and the ability to create effective advertisements. There's no question these are all important skills to have, but at the same time they're also skills that with practice can be learned and mastered. More important is the question, "What skill(s) do you have that can be sold as a service?" Any skill(s) you possess can be your best, and by far your most marketable, asset. If you know how to safely walk a dog, that's a skill people are willing to pay you for. If you know how to plan and throw one heck of a party, that's also a skill people are willing to pay you for as their event and party planner. If you know how to play the piano, this is a skill other people will pay you to teach them. If you know how to sell products and services online, once again that's a skill that people are willing to pay you for as an online marketing consultant. All are examples of skills that people pay other people to perform, or teach them how to learn.
Every person has one or more skills other people are prepared to pay for in
the form of a service provided to them, or to learn. However, with that said,
most people have a tendency to underestimate the true value of their skill sets
and experiences. You have to remember, what may come naturally to you may not
come so naturally to others. Likewise, you might think your particular knowledge
or expertise may be of little value, but if someone else needs or wants to
learn about that knowledge, it's very valuable to them.
Selling
Services Part Time
The first option is to start off selling your services on a part-time basis, which is a good idea because it enables you to eliminate risk by limiting your financial investment. It allows you to test the waters to make sure that being self-employed is something you enjoy and want to pursue. If all goes well, you may decide to transition from your current job, devoting more time to your new enterprise each week, all the while decreasing the time at your current job until you're working at your new business on a full-time basis. There are many advantages to starting off part-time, including keeping income rolling in, taking advantage of any current health and employee benefits, and building your business over a longer period of time, which generally gives it a more stable foundation. If it turns out you're not the type of person who's comfortable being the boss, you've risked little and still have the security of your job.
The first option is to start off selling your services on a part-time basis, which is a good idea because it enables you to eliminate risk by limiting your financial investment. It allows you to test the waters to make sure that being self-employed is something you enjoy and want to pursue. If all goes well, you may decide to transition from your current job, devoting more time to your new enterprise each week, all the while decreasing the time at your current job until you're working at your new business on a full-time basis. There are many advantages to starting off part-time, including keeping income rolling in, taking advantage of any current health and employee benefits, and building your business over a longer period of time, which generally gives it a more stable foundation. If it turns out you're not the type of person who's comfortable being the boss, you've risked little and still have the security of your job.
Of course, if your ambitions are only to generate extra money to pay down
the mortgage, save for retirement, put yourself through school, or pay off
credit cards, selling services part-time is the perfect choice. It's important
to do what you want to do and what best suits your individual needs. If selling
services part-time works for you, then go for it.
Selling
Services Full Time
You can also jump in with both feet and start your new business selling services full-time. This option would appeal to people without a current job or people who are confident about being the boss and operating a business. There's nothing wrong with starting off full-time, especially if you take the time required to research the business, industry and marketplace. You must also develop a business and marketing plan, and have the necessary financial resources to start the business and pay yourself until it becomes profitable.
You can also jump in with both feet and start your new business selling services full-time. This option would appeal to people without a current job or people who are confident about being the boss and operating a business. There's nothing wrong with starting off full-time, especially if you take the time required to research the business, industry and marketplace. You must also develop a business and marketing plan, and have the necessary financial resources to start the business and pay yourself until it becomes profitable.
The main downside to starting full time is risk. If you jump ship and leave
your job, you risk loss of current employee benefits and have no guarantee of
steady income, contributing spouses or partners excluded. The upside to
starting off full-time is potential rewards, including the opportunity to make
more money than you can at your current job, and to gain control of your
future. Your decision to operate your new business on a full-time basis will
largely be determined by your current financial situation, your own risk-reward
assessment, and your goals and objectives for the future. Jumping in full-time
will appeal to the true entrepreneurial mindset--people who prefer to blaze the
trail rather than follow behind in the wagon train.
Selling
Services Seasonally
Another option is to start a seasonal business selling services, which can be operated with a full- or part-time effort. But most are run full time to maximize revenues and profits over a normally short time span. Examples of seasonal businesses selling services would include snow removal in winter, yard maintenance in summer in northern climates, income tax preparation service in spring, and serving as a vacation property rental agent. Just about any business can be run seasonally or occasionally, but some are obviously better suited than others.
Another option is to start a seasonal business selling services, which can be operated with a full- or part-time effort. But most are run full time to maximize revenues and profits over a normally short time span. Examples of seasonal businesses selling services would include snow removal in winter, yard maintenance in summer in northern climates, income tax preparation service in spring, and serving as a vacation property rental agent. Just about any business can be run seasonally or occasionally, but some are obviously better suited than others.
A seasonal venture will appeal to people who want the ability to earn enough
money during part of the year in order to do as they please with the remainder
of the year--travel, pursue education, or work a job in another season. The
potential to earn a very good living operating a business only part of the year
is a genuine opportunity, as proven by the thousands of people who are
currently doing it. The main downside to a seasonal business, especially one
that can be operated year-round, is that you don't want to spend thousands of
dollars and hundreds of hours promoting your business only to shut it down for
half the year, sending current and potential customers running to your
competitors while your business is closed. It may prove very difficult to lure
them back when you reopen for business.
Selling
Services to Supplement Your Retirement
The fourth option is to sell services to supplement your retirement income or just to have fun and stay active in your golden years. Retirement businesses have become extremely popular in the past decade, mainly because the cost of living has dramatically increased, often outpacing wages and retirement savings. The result is that many people head into retirement needing a little extra income to cover expenses and provide an adequate lifestyle or to maintain their pre-retirement lifestyle.
The fourth option is to sell services to supplement your retirement income or just to have fun and stay active in your golden years. Retirement businesses have become extremely popular in the past decade, mainly because the cost of living has dramatically increased, often outpacing wages and retirement savings. The result is that many people head into retirement needing a little extra income to cover expenses and provide an adequate lifestyle or to maintain their pre-retirement lifestyle.
People are living longer and much healthier now than in decades past, and
because of this many are seeking new challenges; starting and operating a
business is a way to stay active physically and mentally. Older people also
have a proverbial ace up their sleeves when it comes to starting a business and selling
services: a lifetime of knowledge and experience that can only be acquired by spending
lots of time on this planet. Because of the value of these skills, many people
are willing to pay big bucks for them. This is why many people who are reaching
or have reached retirement age have chosen to start a consulting business
selling their experiences, knowledge and skills for the benefit of their
clients.
Editor's note: This article was excerpted from202 Services You Can Sell for Big Profits.
Tips for Entrepreneur from Larry Page
Google co-founder Larry Page provides several tips for entrepreneurs.
Tip 1: Just don't settle. Especially with employees, it is very important to find great people you are compatible with.
Tip 2: There is a benefit from being real experts. Experience pays off.
Tip 3: Have a healthy disregard for the impossible. Stretch your goals.
Tip 4: It is OK to solve a hard problem. Solving hard problems is where you will get the biggest leverage.
Tip 5: Don't pay attention to the VC bandwagon. Don't start a company just because you can. Instead, have a really good idea that is good regardless of the funding situation.
Tip 1: Just don't settle. Especially with employees, it is very important to find great people you are compatible with.
Tip 2: There is a benefit from being real experts. Experience pays off.
Tip 3: Have a healthy disregard for the impossible. Stretch your goals.
Tip 4: It is OK to solve a hard problem. Solving hard problems is where you will get the biggest leverage.
Tip 5: Don't pay attention to the VC bandwagon. Don't start a company just because you can. Instead, have a really good idea that is good regardless of the funding situation.
Young Millionaires
Shari Misher Stenzler, 36, & Andy Stenzler, 38
Kidville, NY
New York City
Projected Sales: More than $10 million
Description: Upscale educational and play facility for children age 5 and under and their families
Child’s Play: What started as just a dream for husband-and-wife team Andy Stenzler and Shari Misher Stenzler has since become a dream come true for Manhattan parents of children age 5 and under. Kidville, NY, their $3 million, 20,000-square-foot, four-story-high family facility, opened in January 2005 and is home to developmental classes such as “Run, Wiggle, Paint & Giggle,” music classes such as “Little Maestros” and enrichment classes such as “Baby Sign Language” for parents and caregivers. Kidville also features an indoor playground, a beauty salon, a retail boutique and a 50-seat cafe, making it the complete socialization center for kids and parents that the Stenzlers so gallantly envisioned during startup.
In the Genes: A business in its infancy risks floundering, but Kidville, NY is one business that was born to succeed. The Stenzlers are seasoned entrepreneurs who have each found overwhelming success with their previous undertakings, including Cosi Inc., a nationwide salad and sandwich franchise Andy co-founded. Connections made from their previous endeavors, as well as strong ties to their New York City community, allowed the Stenzlers to bank on the wisdom and financial support of an influential group of friends, including tennis couple Andre Agassi and Steffi Graff. Says Andy, “It was about finding the right team of friends and partners who cared about kids and wanted to do something in that space to change people’s lives.”
Cause for Change: Kidville, NY is flourishing with 3,000 member families, the recent opening of a second New York City location and plans to open similar centers in other states, not to mention the future launch of related media, books and music. Meanwhile, the Stenzlers’ single source of inspiration continues to be their kids--Kylie, 3, and Colby, 1. Parenthood opened their eyes to the unappealing options available to parents at the time and motivated them to create a better facility for children. Says Shari, “Going through [parenthood] ourselves not only gave us great ideas, but also created a passion that I don’t think we could have had if we weren’t parents.”
Follow Their Lead: Don’t settle for less than the best, and if the best doesn’t already exist, you might have just discovered your niche.
Kidville, NY
New York City
Projected Sales: More than $10 million
Description: Upscale educational and play facility for children age 5 and under and their families
Child’s Play: What started as just a dream for husband-and-wife team Andy Stenzler and Shari Misher Stenzler has since become a dream come true for Manhattan parents of children age 5 and under. Kidville, NY, their $3 million, 20,000-square-foot, four-story-high family facility, opened in January 2005 and is home to developmental classes such as “Run, Wiggle, Paint & Giggle,” music classes such as “Little Maestros” and enrichment classes such as “Baby Sign Language” for parents and caregivers. Kidville also features an indoor playground, a beauty salon, a retail boutique and a 50-seat cafe, making it the complete socialization center for kids and parents that the Stenzlers so gallantly envisioned during startup.
In the Genes: A business in its infancy risks floundering, but Kidville, NY is one business that was born to succeed. The Stenzlers are seasoned entrepreneurs who have each found overwhelming success with their previous undertakings, including Cosi Inc., a nationwide salad and sandwich franchise Andy co-founded. Connections made from their previous endeavors, as well as strong ties to their New York City community, allowed the Stenzlers to bank on the wisdom and financial support of an influential group of friends, including tennis couple Andre Agassi and Steffi Graff. Says Andy, “It was about finding the right team of friends and partners who cared about kids and wanted to do something in that space to change people’s lives.”
Cause for Change: Kidville, NY is flourishing with 3,000 member families, the recent opening of a second New York City location and plans to open similar centers in other states, not to mention the future launch of related media, books and music. Meanwhile, the Stenzlers’ single source of inspiration continues to be their kids--Kylie, 3, and Colby, 1. Parenthood opened their eyes to the unappealing options available to parents at the time and motivated them to create a better facility for children. Says Shari, “Going through [parenthood] ourselves not only gave us great ideas, but also created a passion that I don’t think we could have had if we weren’t parents.”
Follow Their Lead: Don’t settle for less than the best, and if the best doesn’t already exist, you might have just discovered your niche.
105 Service Businesses to Start Today
At your service: Convenience-craving consumers are always looking for a way to do things better, faster and cheaper. Often, that means turning to a specialty-services entrepreneur who knows how to get the job done right. Here, we provide some inspiration for aspiring service providers-from adventure-tour leaders to window washers. With 105 ideas to choose from, you have no excuse not to get started today with your own service business.
Once you've scrolled through our ideas and gotten a taste of what's out there, read "How to Start a Service Business" to learn how to get started.
Once you've scrolled through our ideas and gotten a taste of what's out there, read "How to Start a Service Business" to learn how to get started.
Personal
Services
Mobile Pet Grooming
Snip, clip and brush your way to success as a mobile pet groomer. Fido and his owner will both appreciate the convenience of a "doorstep" doggie-grooming service. With the proper training and experience, a van and some grooming tools, start barking up the right tree by marketing your business in your neighborhood and others.
Mobile Pet Grooming
Snip, clip and brush your way to success as a mobile pet groomer. Fido and his owner will both appreciate the convenience of a "doorstep" doggie-grooming service. With the proper training and experience, a van and some grooming tools, start barking up the right tree by marketing your business in your neighborhood and others.
Collectibles Search
Collectibles searchers, who carefully canvas swap meets, thrift stores and garage sales, can collect a bundle locating objets d'art for clients. Once you've found your niche--be it antique lunch boxes, dolls or grandfather clocks--advertise your services in hobbyist publications, at collectibles stores, in specialty forums on the internet, or on eBay. Soon you'll be taking up a collection of your own.
Collectibles searchers, who carefully canvas swap meets, thrift stores and garage sales, can collect a bundle locating objets d'art for clients. Once you've found your niche--be it antique lunch boxes, dolls or grandfather clocks--advertise your services in hobbyist publications, at collectibles stores, in specialty forums on the internet, or on eBay. Soon you'll be taking up a collection of your own.
Diaper Delivery
Whoever said cloth diapers couldn't be convenient--and user-friendly? Velcro diaper "wraps" replace awkward pins, and pickup and delivery take the dirty work out of diapering. Equipped with a "clean," propane-fueled delivery truck and some washing machines, you can provide an environmentally friendly alternative to disposables. Talk about a change for the better!
Whoever said cloth diapers couldn't be convenient--and user-friendly? Velcro diaper "wraps" replace awkward pins, and pickup and delivery take the dirty work out of diapering. Equipped with a "clean," propane-fueled delivery truck and some washing machines, you can provide an environmentally friendly alternative to disposables. Talk about a change for the better!
Dry-Cleaning Pickup
& Delivery
Are you clothes-minded? Then try on the dry-cleaning pickup-and-delivery business for size. Provide pickup and drop-off at a place that's convenient for busy professionals, then follow suit by arranging with a local dry cleaner to do the actual cleaning.
Are you clothes-minded? Then try on the dry-cleaning pickup-and-delivery business for size. Provide pickup and drop-off at a place that's convenient for busy professionals, then follow suit by arranging with a local dry cleaner to do the actual cleaning.
Mobile Locksmith
You hold the keys to success as a mobile locksmith. For best results, be ready for 24-hour action with a cell phone and van. With some training and basic equipment, you'll have this business mastered--lock, stock and barrel.
You hold the keys to success as a mobile locksmith. For best results, be ready for 24-hour action with a cell phone and van. With some training and basic equipment, you'll have this business mastered--lock, stock and barrel.
Graffiti Removal
& Abatement
Equipped with some paint and other preventive treatments, you're set to serve residential as well as commercial clients with your own graffiti-removal-and-abatement business. City governments and schools can also benefit from the removal of unsightly "tagging" in their districts.
Equipped with some paint and other preventive treatments, you're set to serve residential as well as commercial clients with your own graffiti-removal-and-abatement business. City governments and schools can also benefit from the removal of unsightly "tagging" in their districts.
Golf-Club Cleaning
Take your best shot with a golf-club cleaning service. Not only will you be offering golfers a clean edge to improve their game, but you'll be offering a way to protect their investment from the rusting, pitting and discoloration of dirty clubs.
Take your best shot with a golf-club cleaning service. Not only will you be offering golfers a clean edge to improve their game, but you'll be offering a way to protect their investment from the rusting, pitting and discoloration of dirty clubs.
Self-Defense
Instructor
You can never feel too safe or secure. People of all ages and backgrounds can benefit from the self-defense skills you can teach them. Get your business jump-started by training others in the disciplines you've learned--Aikido, Karate, or simply basic safety-awareness skills.
You can never feel too safe or secure. People of all ages and backgrounds can benefit from the self-defense skills you can teach them. Get your business jump-started by training others in the disciplines you've learned--Aikido, Karate, or simply basic safety-awareness skills.
Adventure Tours
Got a taste for adventure? Whether it's exploring South American caves or touring English teahouses, you're sure to find a fanatic following . . . so long as you do all the footwork first. Put your service on the road to success by coordinating transportation, food and lodging. Your clients only need to worry about one thing: having fun.
Got a taste for adventure? Whether it's exploring South American caves or touring English teahouses, you're sure to find a fanatic following . . . so long as you do all the footwork first. Put your service on the road to success by coordinating transportation, food and lodging. Your clients only need to worry about one thing: having fun.
Pet Sitting
When it comes to creature comforts, most canines would choose their own backyard over a kennel any day. Thanks to pet sitters--who take care of pets while their owners are out of town or busy--Fido can have his kibble at home. This business isn't just for the dogs, however; gear your services toward all creatures great and small for maximum profits.
When it comes to creature comforts, most canines would choose their own backyard over a kennel any day. Thanks to pet sitters--who take care of pets while their owners are out of town or busy--Fido can have his kibble at home. This business isn't just for the dogs, however; gear your services toward all creatures great and small for maximum profits.
Mobile Massage
Success is close at hand for mobile massage providers. Advertise your stress-relieving services at local workout clubs, spas and physical therapists' offices. Then bring your trained hands--and a portable massage table--to clients' homes or places of work.
Success is close at hand for mobile massage providers. Advertise your stress-relieving services at local workout clubs, spas and physical therapists' offices. Then bring your trained hands--and a portable massage table--to clients' homes or places of work.
Personal Chef
Cook up tasty profits as a personal chef. Those with culinary competence can likely find a hungry clientele among the ranks of America's busy working families. Or, market your business to clients for those special occasions when they prefer to dine in--complete with restaurant-quality food and service.
Cook up tasty profits as a personal chef. Those with culinary competence can likely find a hungry clientele among the ranks of America's busy working families. Or, market your business to clients for those special occasions when they prefer to dine in--complete with restaurant-quality food and service.
Mobile Mechanic
As a mobile mechanic, a good knowledge of automobile repair techniques and a list of referrals help you rev up sales. Put your business in the fast lane by bringing your service directly to clients' homes or places of business.
As a mobile mechanic, a good knowledge of automobile repair techniques and a list of referrals help you rev up sales. Put your business in the fast lane by bringing your service directly to clients' homes or places of business.
Seamstress/Tailor
As a seamstress or tailor, sew your way to success altering clothing and/or creating new apparel from scratch. Spread the word about your service at local boutiques and dry cleaners, plug in your sewing machine, and start stitching.
As a seamstress or tailor, sew your way to success altering clothing and/or creating new apparel from scratch. Spread the word about your service at local boutiques and dry cleaners, plug in your sewing machine, and start stitching.
Court-Paper Serving
You can't beat the legal system . . . as a great resource for business, that is. Private attorneys, who lack the time to do much footwork themselves, often turn to registered court-paper processors to serve their summonses. Come judgment day, you'll be courting success.
You can't beat the legal system . . . as a great resource for business, that is. Private attorneys, who lack the time to do much footwork themselves, often turn to registered court-paper processors to serve their summonses. Come judgment day, you'll be courting success.
Porcelain Repair
Rub a dub, dub, a porcelain-repair entrepreneur in the tub: Fixing unsightly chips and cracks in tubs and other porcelain accessories puts entrepreneurs in business. With a porcelain-repair kit in hand, sinks and tubs are made like new again.
Rub a dub, dub, a porcelain-repair entrepreneur in the tub: Fixing unsightly chips and cracks in tubs and other porcelain accessories puts entrepreneurs in business. With a porcelain-repair kit in hand, sinks and tubs are made like new again.
Cover Letter/Resume
Service
Not everyone knows how to look good on paper. With your editing and basic layout skills, a laser printer, and some high-quality stationery, you're set to start showing clients how to put their best foot forward in their resumes and cover letters--and how to get in the door of potential employers' businesses for an interview.
Not everyone knows how to look good on paper. With your editing and basic layout skills, a laser printer, and some high-quality stationery, you're set to start showing clients how to put their best foot forward in their resumes and cover letters--and how to get in the door of potential employers' businesses for an interview.
Mystery Shopping
Now, you can shop till you drop . . . and get paid for it! Just put on your shopping shoes and put service personnel to the test as a "mystery" shopper. Rate local retail stores' employees on attitude, friendliness, and overall quality of service, then report back to your store-owner clients, helping them to ensure their service really is number one.
Now, you can shop till you drop . . . and get paid for it! Just put on your shopping shoes and put service personnel to the test as a "mystery" shopper. Rate local retail stores' employees on attitude, friendliness, and overall quality of service, then report back to your store-owner clients, helping them to ensure their service really is number one.
Tax-Form Preparer
One thing is certain: There will always be a need for tax preparers. Come tax season, businesses and individuals alike need help preparing numerous tax forms and understanding the latest tax regulations. Equipped with some specialized computer software, start scheduling your career as a tax preparer this fiscal year-and get ready for some returns on your time and investment.
One thing is certain: There will always be a need for tax preparers. Come tax season, businesses and individuals alike need help preparing numerous tax forms and understanding the latest tax regulations. Equipped with some specialized computer software, start scheduling your career as a tax preparer this fiscal year-and get ready for some returns on your time and investment.
Wedding-Guide
Publishing
For photographers, bakers, caterers and florists, wedding bells mean big business. Help them get a piece of the action by publishing a wedding guide with space for local advertisers. Include some basic wedding-planning articles, and you'll find June brides aren't the only ones to benefit from your premarital publication.
For photographers, bakers, caterers and florists, wedding bells mean big business. Help them get a piece of the action by publishing a wedding guide with space for local advertisers. Include some basic wedding-planning articles, and you'll find June brides aren't the only ones to benefit from your premarital publication.
Mobile Car-Wash and
Detailing
Take your business on the road, and clean up on profits as a mobile car-wash and detailing pro. Let a little soap and water do wonders . . . along with a few rags, brushes, and elbow grease; then drive home sales by marketing your services to car dealers, rental fleet owners, and corporations.
Take your business on the road, and clean up on profits as a mobile car-wash and detailing pro. Let a little soap and water do wonders . . . along with a few rags, brushes, and elbow grease; then drive home sales by marketing your services to car dealers, rental fleet owners, and corporations.
Used-Car Inspection
Sometimes, it takes a little more than a kick of the tires to evaluate a used car. With some basic diagnostic equipment and mechanical know-how, however, used-car inspectors can help steer clients away from "lemons." Developing a roster of appreciative customers puts you on the road to referrals--and success.
Sometimes, it takes a little more than a kick of the tires to evaluate a used car. With some basic diagnostic equipment and mechanical know-how, however, used-car inspectors can help steer clients away from "lemons." Developing a roster of appreciative customers puts you on the road to referrals--and success.
Professional
Organizer
Neatniks need apply: If you're got a knack for neatness, why not help the organizationally challenged? Messy closets, home offices and commercial offices alike could benefit from a more efficient setup. Put some order into others' lives, and arrange yourself some pretty profits.
Neatniks need apply: If you're got a knack for neatness, why not help the organizationally challenged? Messy closets, home offices and commercial offices alike could benefit from a more efficient setup. Put some order into others' lives, and arrange yourself some pretty profits.
Tutoring
Thought your proficiency in high school algebra was all for naught? Think again: As a tutor, you could help others bone up on their studies. Whether it's reading, writing or arithmetic, help your students reach the top of their class with a little experienced guidance and support.
Thought your proficiency in high school algebra was all for naught? Think again: As a tutor, you could help others bone up on their studies. Whether it's reading, writing or arithmetic, help your students reach the top of their class with a little experienced guidance and support.
Power Washing
Oily driveways, mud-caked semi trucks, or barnacle-ridden boats . . . You name it, and entrepreneurs equipped with specialized power-washing equipment can probably clean it. For spotless results, target commercial as well as residential customers.
Oily driveways, mud-caked semi trucks, or barnacle-ridden boats . . . You name it, and entrepreneurs equipped with specialized power-washing equipment can probably clean it. For spotless results, target commercial as well as residential customers.
Windshield Repair
To find potential clients for your windshield-repair business, simply canvas local parking and used-car lots for cars with cracked, chipped windshields. A basic repair kit enables you to offer clients what is clearly a better alternative to costly glass replacement.
To find potential clients for your windshield-repair business, simply canvas local parking and used-car lots for cars with cracked, chipped windshields. A basic repair kit enables you to offer clients what is clearly a better alternative to costly glass replacement.
Private
Investigation
Blaze your own entrepreneurial trail while following others' footsteps-literally. As a private investigator, make your mark in the industry by keeping a keen "eye" on other people's activities. Clients include attorneys gathering evidence for a case, or individuals seeking information about a significant other.
Blaze your own entrepreneurial trail while following others' footsteps-literally. As a private investigator, make your mark in the industry by keeping a keen "eye" on other people's activities. Clients include attorneys gathering evidence for a case, or individuals seeking information about a significant other.
Business Services
Business-Plan
Consulting
Not only is a business plan crucial in obtaining bank financing, but it's an invaluable tool for anticipating--and tackling--a business's inevitable ups and downs. With your writing skills, spreadsheet know-how, and general business savvy, show clients how to present their best-laid plans . . . while accomplishing your own.
Not only is a business plan crucial in obtaining bank financing, but it's an invaluable tool for anticipating--and tackling--a business's inevitable ups and downs. With your writing skills, spreadsheet know-how, and general business savvy, show clients how to present their best-laid plans . . . while accomplishing your own.
Packing and
Unpacking Service
Packing up to move to a new home or office--not to mention unpacking on the other end--is enough to leave one feeling upended. Thank goodness for packing and unpacking entrepreneurs who, with their hassle- and time-saving services, make moving seem like magic.
Packing up to move to a new home or office--not to mention unpacking on the other end--is enough to leave one feeling upended. Thank goodness for packing and unpacking entrepreneurs who, with their hassle- and time-saving services, make moving seem like magic.
Business-Travel
Management
Make the skies even friendlier for business travelers--and less costly for business owners--as a business--travel manager. Help book low-price tickets, keep expense records, manage frequent-flier miles . . . and reap the high-flying rewards.
Make the skies even friendlier for business travelers--and less costly for business owners--as a business--travel manager. Help book low-price tickets, keep expense records, manage frequent-flier miles . . . and reap the high-flying rewards.
Carpet Dyeing
For a fraction of the cost of replacing unsightly or stained carpeting, carpet-dyeing professionals provide hotels, community centers, nursing homes and other businesses an attractive alternative. So go ahead, lay the options at your clients' feet . . . and start making wall-to-wall profits.
For a fraction of the cost of replacing unsightly or stained carpeting, carpet-dyeing professionals provide hotels, community centers, nursing homes and other businesses an attractive alternative. So go ahead, lay the options at your clients' feet . . . and start making wall-to-wall profits.
Hospital-Bill
Auditing
There's nothing worse than being laid up in the hospital for a few days . . . except maybe the pile of often confusing bills that follow. The remedy: hospital-bill auditors, who--thanks to their billing savvy and attention to detail--make way for their clients' smooth recovery.
There's nothing worse than being laid up in the hospital for a few days . . . except maybe the pile of often confusing bills that follow. The remedy: hospital-bill auditors, who--thanks to their billing savvy and attention to detail--make way for their clients' smooth recovery.
Specialized
Staffing
Helping clients meet their workforce needs is a matter of finding a niche and filling it--and keeping up with human resources trends. Work your way up in the industry by developing a roster of specially skilled workers, then use your "people skills" to build your business.
Helping clients meet their workforce needs is a matter of finding a niche and filling it--and keeping up with human resources trends. Work your way up in the industry by developing a roster of specially skilled workers, then use your "people skills" to build your business.
Bookkeeping
Though today's software makes keeping your own books easier, it doesn't make it much less time-consuming. That's why, for business owners with little time to spare, a bookkeeping service is not only a time-saver, but an asset.
Though today's software makes keeping your own books easier, it doesn't make it much less time-consuming. That's why, for business owners with little time to spare, a bookkeeping service is not only a time-saver, but an asset.
Computer Repair
In today's computer-based society, computer "downtime" can be both costly and aggravating. As a repair professional--equipped with some basic diagnostic equipment and technological savvy--you can get clients' computers back up and humming again.
In today's computer-based society, computer "downtime" can be both costly and aggravating. As a repair professional--equipped with some basic diagnostic equipment and technological savvy--you can get clients' computers back up and humming again.
Referral Service
For referral-service entrepreneurs--who act as a "welcome wagon" to newcomers--getting to know new as well as existing businesses pays off in more ways than one. Local companies pay to get their services introduced to newcomers, while these new customers pay for a little friendly advice.
For referral-service entrepreneurs--who act as a "welcome wagon" to newcomers--getting to know new as well as existing businesses pays off in more ways than one. Local companies pay to get their services introduced to newcomers, while these new customers pay for a little friendly advice.
Video Brochure
Make record profits taping corporate video brochures. Just get your video recorder handy, and zoom in on the action. Video-editing skills and special-effects techniques help you pull together the big picture--and reel in the profits.
Make record profits taping corporate video brochures. Just get your video recorder handy, and zoom in on the action. Video-editing skills and special-effects techniques help you pull together the big picture--and reel in the profits.
Executive Search
Take your business to a "hire" level: As an executive-search specialist, help busy clients find the right man--or woman--for the job. Your job involves placing ads and conducting interviews to screen potential employees for clients. Put on your best interviewing suit, and get down to business.
Take your business to a "hire" level: As an executive-search specialist, help busy clients find the right man--or woman--for the job. Your job involves placing ads and conducting interviews to screen potential employees for clients. Put on your best interviewing suit, and get down to business.
Freight Brokerage
One sack of flour for a dozen eggs . . . Gone are the days of such no-frills, local trade. In their place: a sophisticated global commerce system requiring a thorough knowledge of land, sea, air and rail shipping rates and regulations. Knowledgeable freight brokers are indispensable to this burgeoning scene.
One sack of flour for a dozen eggs . . . Gone are the days of such no-frills, local trade. In their place: a sophisticated global commerce system requiring a thorough knowledge of land, sea, air and rail shipping rates and regulations. Knowledgeable freight brokers are indispensable to this burgeoning scene.
Long-Distance Reselling
By buying time in bulk from wholesalers, long-distance resellers ring up sales by servicing long-distance consumers--often at significant savings. You make the call: Either purchase the telecommunications equipment you'll need now, or rent it and simply focus on the marketing of your service.
By buying time in bulk from wholesalers, long-distance resellers ring up sales by servicing long-distance consumers--often at significant savings. You make the call: Either purchase the telecommunications equipment you'll need now, or rent it and simply focus on the marketing of your service.
Computer Consulting
Tap into a surging market as a computer consultant. Whether you're an expert at Linux, putting together hardware components, or networking, a growing number of computer "newbies" will surely benefit from your services.
Tap into a surging market as a computer consultant. Whether you're an expert at Linux, putting together hardware components, or networking, a growing number of computer "newbies" will surely benefit from your services.
Limousine Service
With a limo and some insurance, you could be the driving force behind a new business venture. Stretch your market by adding more drivers and cars to your fleet. Then, once you've established a reliable reputation, start driving home your limousine-service sales.
With a limo and some insurance, you could be the driving force behind a new business venture. Stretch your market by adding more drivers and cars to your fleet. Then, once you've established a reliable reputation, start driving home your limousine-service sales.
Language
Translation
Falling foreign-trade barriers and improved communication technology translate into success for language translators and interpreters. An ear for multiple languages puts you at the forefront of this global movement.
Falling foreign-trade barriers and improved communication technology translate into success for language translators and interpreters. An ear for multiple languages puts you at the forefront of this global movement.
Office-Relocation
Service
Helping businesses get plugged in to a new neighborhood comes easy for office-relocation-service entrepreneurs who, as "locals," know who's who in providing such services as printing, restaurant delivery and equipment repair.
Helping businesses get plugged in to a new neighborhood comes easy for office-relocation-service entrepreneurs who, as "locals," know who's who in providing such services as printing, restaurant delivery and equipment repair.
Office Plant
Maintenance
Set your roots in a growing business as an office-plant-maintenance entrepreneur. Regular watering, light pruning, and fertilizing are all in a day's work. Though a green thumb is helpful, some clients may also request maintenance of their silk plants. Either way, your business is sure to grow.
Set your roots in a growing business as an office-plant-maintenance entrepreneur. Regular watering, light pruning, and fertilizing are all in a day's work. Though a green thumb is helpful, some clients may also request maintenance of their silk plants. Either way, your business is sure to grow.
Professional Office
Consultant
It's one thing to spend a day at the office, and another altogether to run the office. As a professional office consultant, you'll oversee such responsibilities as marketing, insurance and daily operations for professional lawyers, doctors or other specialists--while leaving the rest to the "pros."
It's one thing to spend a day at the office, and another altogether to run the office. As a professional office consultant, you'll oversee such responsibilities as marketing, insurance and daily operations for professional lawyers, doctors or other specialists--while leaving the rest to the "pros."
Miniblind Cleaning
Put an end to dusty miniblinds in offices, homes and other buildings with your miniblind-cleaning service. Immerse blinds in tanks of gentle, yet effective, cleansing solution . . . and give clients a squeaky-clean new perspective on the world outside their windows.
Put an end to dusty miniblinds in offices, homes and other buildings with your miniblind-cleaning service. Immerse blinds in tanks of gentle, yet effective, cleansing solution . . . and give clients a squeaky-clean new perspective on the world outside their windows.
Office-Support
Service
Typing, filing, sorting mail, entering data, and answering phones are just a few tasks an office-support service can perform to help out harried business owners. Hand out business cards to every businessperson you know--and get ready to spend a productive day at the office!
Typing, filing, sorting mail, entering data, and answering phones are just a few tasks an office-support service can perform to help out harried business owners. Hand out business cards to every businessperson you know--and get ready to spend a productive day at the office!
Apartment-Prepping
Move in on the housing market with some basic plumbing, painting, caulking and scrubbing skills. Busy landlords and leasing offices can both benefit from your handyman skills, while you, in turn, make some handy profits repairing vacated units for clients' new tenants.
Move in on the housing market with some basic plumbing, painting, caulking and scrubbing skills. Busy landlords and leasing offices can both benefit from your handyman skills, while you, in turn, make some handy profits repairing vacated units for clients' new tenants.
Debt-Collection
Service
Money makes the world go 'round: You get paid when your clients get paid by the people who you get to pay them. Sound complicated? It doesn't have to be: As a debt collector, it pays in more ways than one to have some persistence in tracking down clients' delinquent debtors.
Money makes the world go 'round: You get paid when your clients get paid by the people who you get to pay them. Sound complicated? It doesn't have to be: As a debt collector, it pays in more ways than one to have some persistence in tracking down clients' delinquent debtors.
Restaurant Delivery
Service
When "Let's do lunch" means eating at the office, an ordinary sack lunch doesn't have to suffice. Thanks to restaurant deliverers, busy professionals can order their meals from local restaurants. By collecting a delivery charge and tip, operators get a good taste of entrepreneurial success.
When "Let's do lunch" means eating at the office, an ordinary sack lunch doesn't have to suffice. Thanks to restaurant deliverers, busy professionals can order their meals from local restaurants. By collecting a delivery charge and tip, operators get a good taste of entrepreneurial success.
Catering
A caterer's place is in the kitchen . . . cooking up hot profits, that is. So long as your kitchen is commercially approved--and you've got a knack for stirring up some "dough"--you've got the makings for savory success. Service weddings, holiday parties, and other festive gatherings; if you're lucky, clients will have your cake and eat it, too!
A caterer's place is in the kitchen . . . cooking up hot profits, that is. So long as your kitchen is commercially approved--and you've got a knack for stirring up some "dough"--you've got the makings for savory success. Service weddings, holiday parties, and other festive gatherings; if you're lucky, clients will have your cake and eat it, too!
Seminar Promotion
If there's one thing consumers can never seem to get enough of, it's information. Give 'em an earful by planning and promoting informational seminars. You don't need to be an expert yourself; just schedule the speakers, reserve a location, promote the event, and get ready to collect the profits at the door.
If there's one thing consumers can never seem to get enough of, it's information. Give 'em an earful by planning and promoting informational seminars. You don't need to be an expert yourself; just schedule the speakers, reserve a location, promote the event, and get ready to collect the profits at the door.
Window Washing
Business has never been clearer for window washers. Grab your bucket, squeegee, and glass-cleaning solution, and rap at the dirty windows of local businesses and residences alike. Add repeat customers, and you'll soon be on a winning streak.
Business has never been clearer for window washers. Grab your bucket, squeegee, and glass-cleaning solution, and rap at the dirty windows of local businesses and residences alike. Add repeat customers, and you'll soon be on a winning streak.
Valet Parking
Drive right up to entrepreneurship as the owner of a valet-parking service. Restaurants, hotels and convention centers can all use the services of a well-dressed, bonded parking staff. The key is having your own team of drivers to keep clients' customers--and their cars--on the move.
Drive right up to entrepreneurship as the owner of a valet-parking service. Restaurants, hotels and convention centers can all use the services of a well-dressed, bonded parking staff. The key is having your own team of drivers to keep clients' customers--and their cars--on the move.
Professional
Organizer
Neatniks need apply: If you've got a knack for neatness, why not help the organizationally challenged? Messy closets, home offices and commercial offices alike could benefit from a more efficient setup. Put some order into others' lives, and arrange yourself some pretty profits.
Neatniks need apply: If you've got a knack for neatness, why not help the organizationally challenged? Messy closets, home offices and commercial offices alike could benefit from a more efficient setup. Put some order into others' lives, and arrange yourself some pretty profits.
Power Washing
Oily driveways, mud-caked semi trucks, or barnacle-ridden boats . . . You name it, and entrepreneurs equipped with specialized power-washing equipment can probably clean it. For spotless results, target commercial as well as residential customers.
Oily driveways, mud-caked semi trucks, or barnacle-ridden boats . . . You name it, and entrepreneurs equipped with specialized power-washing equipment can probably clean it. For spotless results, target commercial as well as residential customers.
Marketing
and Sales
Sales-Lead Generating
Streamline salespeople's efforts by identifying prospects and generating sales leads. Some footwork, market research, and a phone set you on the path to compiling a list of potential customers for your clients.
Sales-Lead Generating
Streamline salespeople's efforts by identifying prospects and generating sales leads. Some footwork, market research, and a phone set you on the path to compiling a list of potential customers for your clients.
Public-Relations
Agency
A way with words, enthusiasm and persistence are all necessary in this competitive business. Networking--by developing contacts with reporters and other media--is also crucial to helping your clients go public with press releases and more.
A way with words, enthusiasm and persistence are all necessary in this competitive business. Networking--by developing contacts with reporters and other media--is also crucial to helping your clients go public with press releases and more.
Copywriting and
Proofreading Service
Wanted: creative writer with a knack for finding typos and misteaks . . . er, mistakes. Writers who help ensure clients' advertising copy is both catchy and fault-free may not win a Pulitzer, but they will have some profits to write home about.
Wanted: creative writer with a knack for finding typos and misteaks . . . er, mistakes. Writers who help ensure clients' advertising copy is both catchy and fault-free may not win a Pulitzer, but they will have some profits to write home about.
Direct Mail/Coupon
Cash in on consumers' coupon-cutting craze with a direct-mail coupon service. Get started by selling ad space in a direct-mail coupon package to local businesses. When you mail coupons to local residents, your clients will benefit from the exposure and you'll benefit from a first-class business of your own.
Cash in on consumers' coupon-cutting craze with a direct-mail coupon service. Get started by selling ad space in a direct-mail coupon package to local businesses. When you mail coupons to local residents, your clients will benefit from the exposure and you'll benefit from a first-class business of your own.
Public-Relations
Agency
A way with words, enthusiasm and persistence are all necessary in this competitive business. Networking--by developing contacts with reporters and other media--is also crucial to helping your clients go public with press releases and more.
A way with words, enthusiasm and persistence are all necessary in this competitive business. Networking--by developing contacts with reporters and other media--is also crucial to helping your clients go public with press releases and more.
Mailing Services
Post record profits fulfilling clients' envelope-stuffing and bulk-mail-processing needs. Advertise in the business section of your local newspaper, and start looking for your check in the mail.
Post record profits fulfilling clients' envelope-stuffing and bulk-mail-processing needs. Advertise in the business section of your local newspaper, and start looking for your check in the mail.
Sales Training
Don't sell yourself short: With some self-promotion and marketing know-how, you could have what it takes to build your own business as a sales trainer. By sharing your sales savvy with other busy business owners, you not only help boost clients' bottom line, but yours, too.
Don't sell yourself short: With some self-promotion and marketing know-how, you could have what it takes to build your own business as a sales trainer. By sharing your sales savvy with other busy business owners, you not only help boost clients' bottom line, but yours, too.
Welcoming Service
Welcoming-service entrepreneurs--who greet newcomers to town with a package of coupons, samples from local businesses, and other community information--not only provide a welcome service to newcomers, but to local businesses, as well.
Welcoming-service entrepreneurs--who greet newcomers to town with a package of coupons, samples from local businesses, and other community information--not only provide a welcome service to newcomers, but to local businesses, as well.
Home
Services
Packing and Unpacking Service
Packing up to move to a new home or office--not to mention unpacking on the other end--is enough to leave one feeling upended. Thank goodness for packing and unpacking entrepreneurs who, with their hassle- and time-saving services, make moving seem like magic.
Packing and Unpacking Service
Packing up to move to a new home or office--not to mention unpacking on the other end--is enough to leave one feeling upended. Thank goodness for packing and unpacking entrepreneurs who, with their hassle- and time-saving services, make moving seem like magic.
Handyman Services
If it's broke, you can fix it. Advertise in local newspapers and bulletin boards, then get busy repairing everything from leaky pipes and stopped-up toilets to jammed cabinet drawers and broken windows.
If it's broke, you can fix it. Advertise in local newspapers and bulletin boards, then get busy repairing everything from leaky pipes and stopped-up toilets to jammed cabinet drawers and broken windows.
Carpet Dyeing
For a fraction of the cost of replacing unsightly or stained carpeting, carpet-dyeing professionals provide hotels, community centers, nursing homes and other businesses an attractive alternative. So go ahead, lay the options at your clients' feet . . . and start making wall-to-wall profits.
For a fraction of the cost of replacing unsightly or stained carpeting, carpet-dyeing professionals provide hotels, community centers, nursing homes and other businesses an attractive alternative. So go ahead, lay the options at your clients' feet . . . and start making wall-to-wall profits.
Home-Entertainment
Installation
Just watch a novice attempt to connect the wires, cables and other components of their new or relocated stereo and television equipment, and you're likely to view consumer impatience at its finest. But with your sound electrical and wiring expertise, you'll have all systems buzzing in no time.
Just watch a novice attempt to connect the wires, cables and other components of their new or relocated stereo and television equipment, and you're likely to view consumer impatience at its finest. But with your sound electrical and wiring expertise, you'll have all systems buzzing in no time.
Mortgage/Debt-Reduction
Service
By explaining alternative payment structures to clients (which can result in a smaller total payment in a shorter period of time), mortgage and debt-reduction-service professionals are helping to relieve America's debt--one citizen at a time.
By explaining alternative payment structures to clients (which can result in a smaller total payment in a shorter period of time), mortgage and debt-reduction-service professionals are helping to relieve America's debt--one citizen at a time.
Pool Services
Make a splash in the pool-services business with little more than some cleaning equipment and a water-test kit. Just load up your tools in your car and make the rounds in your neighborhood. Then dive right into business by marketing your service to homeowners' associations, apartment complexes and individual residences.
Make a splash in the pool-services business with little more than some cleaning equipment and a water-test kit. Just load up your tools in your car and make the rounds in your neighborhood. Then dive right into business by marketing your service to homeowners' associations, apartment complexes and individual residences.
Lawn Care
When push comes to shove, you've probably got what it takes to make some "green." Just roll up your sleeves and start mowing, clipping and fertilizing lawns for office complexes and residential clients alike.
When push comes to shove, you've probably got what it takes to make some "green." Just roll up your sleeves and start mowing, clipping and fertilizing lawns for office complexes and residential clients alike.
Home-Inspection
Service
A keen eye for structural detail paves the way to success in your home-inspection service. Start by assessing clients' homes for problems such as structural damage and foundation abnormalities, then refer customers to contractors who can ensure their homes are in good repair.
A keen eye for structural detail paves the way to success in your home-inspection service. Start by assessing clients' homes for problems such as structural damage and foundation abnormalities, then refer customers to contractors who can ensure their homes are in good repair.
House Painting
Brush up on your painting skills, and get ready to paint the town red--or white, blue or beige, for that matter. Just load up your truck with brushes, rollers and ladders, and get primed for business!
Brush up on your painting skills, and get ready to paint the town red--or white, blue or beige, for that matter. Just load up your truck with brushes, rollers and ladders, and get primed for business!
Local Moving
Service
Be a mover and shaker with your own local moving service. This is no business for the faint of heart, however: Make sure you're equipped with some upstanding leveraging techniques . . . as well as brawn.
Be a mover and shaker with your own local moving service. This is no business for the faint of heart, however: Make sure you're equipped with some upstanding leveraging techniques . . . as well as brawn.
House-Sitting
Is there a sitter in the house? If so, homeowners can rest assured that, while they're away, their plants and pets will be tended to. Don't wait for opportunity to come knocking; a reliable set of references get you in the door.
Is there a sitter in the house? If so, homeowners can rest assured that, while they're away, their plants and pets will be tended to. Don't wait for opportunity to come knocking; a reliable set of references get you in the door.
Home Decorating
Home in on the decorating business with your flair for design. Work with local furniture and accessory stores, paint shops, and carpet and drapery outlets to coordinate clients' interiors. And remember: The key to getting in the door of this business is decorating your own home, first.
Home in on the decorating business with your flair for design. Work with local furniture and accessory stores, paint shops, and carpet and drapery outlets to coordinate clients' interiors. And remember: The key to getting in the door of this business is decorating your own home, first.
Miniblind Cleaning
Put an end to dusty miniblinds in offices, homes and other buildings with your miniblind-cleaning service. Immerse blinds in tanks of gentle, yet effective, cleansing solution . . . and give clients a squeaky-clean new perspective on the world outside their windows.
Put an end to dusty miniblinds in offices, homes and other buildings with your miniblind-cleaning service. Immerse blinds in tanks of gentle, yet effective, cleansing solution . . . and give clients a squeaky-clean new perspective on the world outside their windows.
Pet-Food and
Supplies Home Delivery
Lugging pounds of pet food and supplies from the store each week or so can be a burden on pet owners, but it's certainly not too much for pet-delivery entrepreneurs. Once you've sniffed out some leads, start serving up success by delivering pet supplies directly to customers' doors.
Lugging pounds of pet food and supplies from the store each week or so can be a burden on pet owners, but it's certainly not too much for pet-delivery entrepreneurs. Once you've sniffed out some leads, start serving up success by delivering pet supplies directly to customers' doors.
Custom Closet
Systems
Calling all closet-organizing fanatics: It's time to come out and show your stuff! With a few hooks and shelves, and a lot of creativity (but checking any fear of small spaces at the door), you've got the makings of a custom closet-systems pro . . . with plenty of room to grow. New homeowners and long-time closet accumulators alike make up your potential clientele.
Calling all closet-organizing fanatics: It's time to come out and show your stuff! With a few hooks and shelves, and a lot of creativity (but checking any fear of small spaces at the door), you've got the makings of a custom closet-systems pro . . . with plenty of room to grow. New homeowners and long-time closet accumulators alike make up your potential clientele.
Window Washing
Business has never been clearer for window washers. Grab your bucket, squeegee, and glass-cleaning solution, and rap at the dirty windows of local businesses and residences alike. Add repeat customers, and you'll soon be on a winning streak.
Business has never been clearer for window washers. Grab your bucket, squeegee, and glass-cleaning solution, and rap at the dirty windows of local businesses and residences alike. Add repeat customers, and you'll soon be on a winning streak.
Residential
Cleaning
Not only is residential cleaning a good way to keep a body busy, but it's also a way to clean up some profits while you're at it. Start on the ground floor by mopping, sweeping and dusting one house, and work your way up from there!
Not only is residential cleaning a good way to keep a body busy, but it's also a way to clean up some profits while you're at it. Start on the ground floor by mopping, sweeping and dusting one house, and work your way up from there!
Computers
and Technology
Computer Repair
In today's computer-based society, computer "downtime" can be both costly and aggravating. As a repair professional-equipped with some basic diagnostic equipment and technological savvy-you can get clients' computers back up and humming again.
Computer Repair
In today's computer-based society, computer "downtime" can be both costly and aggravating. As a repair professional-equipped with some basic diagnostic equipment and technological savvy-you can get clients' computers back up and humming again.
Computer Consulting
Tap into a surging market as a computer consultant. Whether you're an expert at Windows 95, putting together hardware components, or networking, a growing number of computer "newbies" will surely benefit from your services.
Tap into a surging market as a computer consultant. Whether you're an expert at Windows 95, putting together hardware components, or networking, a growing number of computer "newbies" will surely benefit from your services.
Internet Research
Practice makes perfect when it comes to surfing the internet. With some search-engine and self-marketing savvy, put information at clients' fingertips--and "net" profits at yours.
Practice makes perfect when it comes to surfing the internet. With some search-engine and self-marketing savvy, put information at clients' fingertips--and "net" profits at yours.
Web-Site Designer
With specialized software, creating websites comes easy, so long as you have some basic technical and graphic savvy. Home in on business by helping businesses establish a site; existing clients will need help keeping their websites up-to-date, as well.
With specialized software, creating websites comes easy, so long as you have some basic technical and graphic savvy. Home in on business by helping businesses establish a site; existing clients will need help keeping their websites up-to-date, as well.
Children's
Services
Children's Party Planning
Do parents a favor and plan their next children's party. From hiring Sesame Street character look-alikes to coordinating games, decorations and food, you're sure to be the life of the party by allowing parents to relax and have fun, too. Plan birthday, holiday, and religious-ceremony celebrations . . . and let the festivities begin!
Children's Party Planning
Do parents a favor and plan their next children's party. From hiring Sesame Street character look-alikes to coordinating games, decorations and food, you're sure to be the life of the party by allowing parents to relax and have fun, too. Plan birthday, holiday, and religious-ceremony celebrations . . . and let the festivities begin!
Child Care
As a child-care provider, you'll need a state license, plenty of baby-sitting experience, and a lot of patience and TLC. Whether you "sit" at your place or theirs, you'll find busy parents aren't your only clients; many office complexes, gyms and other businesses need quality child care, too.
As a child-care provider, you'll need a state license, plenty of baby-sitting experience, and a lot of patience and TLC. Whether you "sit" at your place or theirs, you'll find busy parents aren't your only clients; many office complexes, gyms and other businesses need quality child care, too.
Child-Identification
Program
Safety first: When it comes to keeping tabs on children, there's no excuse for kidding around. By offering parents a complete child-identification program, including information files, fingerprinting, identification tags and photos, you not only set parents' minds more at ease, but provide a safety net for our next generation.
Safety first: When it comes to keeping tabs on children, there's no excuse for kidding around. By offering parents a complete child-identification program, including information files, fingerprinting, identification tags and photos, you not only set parents' minds more at ease, but provide a safety net for our next generation.
Children's Fitness
If there's one thing that never seems to run out, it's a kid's supply of energy. Tap into that vast resource with a children's fitness program. Put your knowledge of children's education and physical fitness to the test by renting a location, then coordinate activities such as tumbling, dance, gymnastics and karate. And hop to it!
If there's one thing that never seems to run out, it's a kid's supply of energy. Tap into that vast resource with a children's fitness program. Put your knowledge of children's education and physical fitness to the test by renting a location, then coordinate activities such as tumbling, dance, gymnastics and karate. And hop to it!
Children's
Transportation Service
For working and nonworking parents alike, transporting junior to and from school (as well as to after-school activities) can become, well, taxi-ing. By providing a reliable children's transportation service, you give busy parents a break-and keep their busy kids on schedule.
For working and nonworking parents alike, transporting junior to and from school (as well as to after-school activities) can become, well, taxi-ing. By providing a reliable children's transportation service, you give busy parents a break-and keep their busy kids on schedule.
Baby-Proofing
Stairs, cabinets, electrical cords and outlets-they're all potential baby hazards. New parents, grandparents, and even baby sitters could all benefit from a more kid-friendly house. So grab your tools and be prepared to get down on your hands and knees (it helps to view things from a baby's perspective).
Stairs, cabinets, electrical cords and outlets-they're all potential baby hazards. New parents, grandparents, and even baby sitters could all benefit from a more kid-friendly house. So grab your tools and be prepared to get down on your hands and knees (it helps to view things from a baby's perspective).
Computer Training
for Kids
Reading, writing, arithmetic . . . and computers. Though it seems like kids today are born speaking computerese, they've got to start learning somewhere. Teaching them the basics early on is sure to put kids at the head of their class . . . and you at the head of your own business.
Reading, writing, arithmetic . . . and computers. Though it seems like kids today are born speaking computerese, they've got to start learning somewhere. Teaching them the basics early on is sure to put kids at the head of their class . . . and you at the head of your own business.
Nanny Placement
For busy parents, finding a good nanny isn't child's play. Nanny-placement agents-who screen applicants, check references, match personalities, and set schedules-provide clients an invaluable service by saving them considerable time and worry.
For busy parents, finding a good nanny isn't child's play. Nanny-placement agents-who screen applicants, check references, match personalities, and set schedules-provide clients an invaluable service by saving them considerable time and worry.
New Mother/Infant
Home Care
Make new babies' homecomings from the hospital less tiresome for parents by providing the in-home care and support they need. Preparing meals, diapering the baby, and providing light housekeeping are all a great relief to proud-but occasionally exhausted-new parents.
Make new babies' homecomings from the hospital less tiresome for parents by providing the in-home care and support they need. Preparing meals, diapering the baby, and providing light housekeeping are all a great relief to proud-but occasionally exhausted-new parents.
Tutoring
Thought your proficiency in high school algebra was all for naught? Think again: As a tutor, you could help others bone up on their studies. Whether it's reading, writing or arithmetic, help your students reach the top of their class with a little experienced guidance and support.
Thought your proficiency in high school algebra was all for naught? Think again: As a tutor, you could help others bone up on their studies. Whether it's reading, writing or arithmetic, help your students reach the top of their class with a little experienced guidance and support.
Event
Services
Photography
With your eye for photo opportunities-at weddings, parties, special events and more-you could be zooming in on profits as a freelance photographer. Be prepared to work weekends and evenings (when many clients will need your services) and to hire an assistant to help you juggle your photo paraphernalia.
Photography
With your eye for photo opportunities-at weddings, parties, special events and more-you could be zooming in on profits as a freelance photographer. Be prepared to work weekends and evenings (when many clients will need your services) and to hire an assistant to help you juggle your photo paraphernalia.
Errand
Runner/Personal Shopper
Calling all shopaholics: Here's one business where you can truly shop till you drop . . . without spending a penny of your own! Personal shoppers-who may also perform other errands, such as picking up prescriptions or buying groceries-can never complain about a lack of things to do.
Calling all shopaholics: Here's one business where you can truly shop till you drop . . . without spending a penny of your own! Personal shoppers-who may also perform other errands, such as picking up prescriptions or buying groceries-can never complain about a lack of things to do.
Family-History
Video
Money can grow on trees . . . family trees, that is. Family-history videographers are hitting home by filming personalized accounts of weddings, births and other memorable occasions. Should a customer's other family members give the film a thumbs up, you may be looking at future generations of customers.
Money can grow on trees . . . family trees, that is. Family-history videographers are hitting home by filming personalized accounts of weddings, births and other memorable occasions. Should a customer's other family members give the film a thumbs up, you may be looking at future generations of customers.
Mobile Disc Jockey
As a mobile disc jockey, weddings, parties and other events are all music to your ears. Start jammin' with a collection of compact discs, a CD player, and a speaker system, then pass on the word about your services to wedding and event planners.
As a mobile disc jockey, weddings, parties and other events are all music to your ears. Start jammin' with a collection of compact discs, a CD player, and a speaker system, then pass on the word about your services to wedding and event planners.
Wedding-Planning
Service
Getting married isn't always as simple as saying, "I do." There's a caterer to be contracted, a location to be rented, and flowers to be ordered. So when it comes to making matrimony a more harmonious event for the new couple and their families, wedding planners take the cake.
Getting married isn't always as simple as saying, "I do." There's a caterer to be contracted, a location to be rented, and flowers to be ordered. So when it comes to making matrimony a more harmonious event for the new couple and their families, wedding planners take the cake.
Event Planning
If your life has been, well, uneventful until now, we have a solution: Be an event planner! Whether it's a party, wedding or convention, you're sure to be at the center of all the action when you coordinate everything from room rentals and speakers to decorations and food.
If your life has been, well, uneventful until now, we have a solution: Be an event planner! Whether it's a party, wedding or convention, you're sure to be at the center of all the action when you coordinate everything from room rentals and speakers to decorations and food.
Limousine Service
With a limo and some insurance, you could be the driving force behind a new business venture. Stretch your market by adding more drivers and cars to your fleet. Then, once you've established a reliable reputation, start-driving home your limousine-service sales.
With a limo and some insurance, you could be the driving force behind a new business venture. Stretch your market by adding more drivers and cars to your fleet. Then, once you've established a reliable reputation, start-driving home your limousine-service sales.
Photo Birth
Announcements
For birth-announcement producers, business is booming as fast as the population! Some basic desktop-publishing software, scanning equipment, and the names of new parents put you in the starting blocks; from there, create fanciful photo-cards, including those all-important details: name, birth date, time and weight.
For birth-announcement producers, business is booming as fast as the population! Some basic desktop-publishing software, scanning equipment, and the names of new parents put you in the starting blocks; from there, create fanciful photo-cards, including those all-important details: name, birth date, time and weight.
Videotaping Service
You may not win a producer-of-the-year award, but you'll win the appreciation of your clients when you capture their weddings, bar mitzvahs, birthdays and more on videotape. Keep the film rolling at special events, then edit a final version for clients' own special screenings.
You may not win a producer-of-the-year award, but you'll win the appreciation of your clients when you capture their weddings, bar mitzvahs, birthdays and more on videotape. Keep the film rolling at special events, then edit a final version for clients' own special screenings.
Reunion Organizing
Reunite 'em 'cause it pays so good: Whether it's one big happy family or one big high school class, reunions can be a joyful-and lucrative-occasion for reunion organizers. Schedule the accommodations, coordinate the catering and entertainment, send out the invitations, then sit back and let it all "come together."
Reunite 'em 'cause it pays so good: Whether it's one big happy family or one big high school class, reunions can be a joyful-and lucrative-occasion for reunion organizers. Schedule the accommodations, coordinate the catering and entertainment, send out the invitations, then sit back and let it all "come together."
Guen Sublette runs her
writing-and-editing-services business