The 24.Karat Mark.eter New.sletter
Bringing you a w.ealth of
and kn/owledge to help you su.cceed!http://24karatmarketer.com
March 17, 2005
TOP SPONSOR AD
"Forget the Hype" ~ It's Downright Amazing! Get this Brand
that's packed with tips and resources that are
sure to make running your
business so much easier ... and
cheaper to boot. See if you don't just love
it. Visit now.http://annamarketing.com/FTH
-------------------- << >> --------------------
In this Issue
$$ Top Sponsor Ad
$$ Table of Contents
$$ Elite Signups
$$ Quote of The
$$ Sponsor Ad
$$ Your Subscriber Ads
Article - Small Business Administration:
A U.S. Entrepreneur's
by Yank Elliott, MBA & IAHBE Staff Writer
$$ F*ree Ezine Ads
$$ 2nd Feature Article - Untapped Assets For Your Business - Your
$$ Ezine Gallery
$$ Winners Circle
---------- << >> ----------
** Publisher's Notes:
Welcome to all - current and new - subscribers to The
Marketer! Thank you for subscribing to our
I'm so happy :-)... I made it to Silver Team Leader this month in
yayyyy for me! LOL I love SFI... it has been so good to me
family over the years. The products are great, the comp
exceptional... and the people! I called there yesterday to
question, and you know what? Instead of the usual, boring
music' that you often get when you call a company... I got
a LIVE person on
the 4th ring! How many other companies can say
that about their
Ok, enough about that. LOL Anyway, I have redone the HitzGalore
Traffic Exchange to make it more exciting and appealing. There is an
awesome referral contest (see ad below), and new signups receive
credits for joining (until May 1st).
There will be NO rotators, NO redirect urls, ONLY 1 popup! I am
to get into the Doug Williams Top Traffic Exchanges, so work with me,
That's enough chit chat for one day, I think... LOL
Have a great week!
E L I T E S I G N U P S ****
signups for your
** Download of the Month
** Quote of the Week!
There are many things that life throws our way.
It is our choice on how
We have the option of becoming better or bitter.
difference is "I".
---------- << >> ----------
New referral contest!
HitzGalore Traffic Exchange has a new look... and to
kick off our
spring season, we're offering the TOP
REFERRER a CASH prize of $50.00!
Contest runs from
now until June 1, 2005...
---------- << >> ----------
** Your Subscriber Ads
Ever Want Your Own Newsletter? Well, Here it Is!
* A Professional,
Personal, On-Line Newsletter - Every Week
* Enter any article, ad or message
- right from your desk
* We Send it to Your Contact List (and help you build
You are smart enough to accept the offer to D0UBLE
YOUR MONEY with any
leads purchase! Hundreds of
people have doubled their money in the
time it took
you to read this course. What are you waiting for?http://www.empowerism.com/e/92164/join.cfm
Choose Your Dream, Then Live It!
Take control of your life and work from
home! Earn a
substantial income per month "part time" building an
business in the fastest growing industry in
the world. http://choices4you.theonlinebusiness.com
"YOU'VE GOT TO CHECK THIS OUT " It is incredible.
"If you're in the
information business, Search Automator
will quickly become one of your most
assets - period!" You will never regret having this
Visit => http://www.auctionbusinesssite.com/automator/
** Feature Article
Small Business Administration:
A U.S. Entrepreneur's Best Friend
Yank Elliott, MBA & IAHBE Staff Writer
The U.S. Small Business Administration (SBA) is the federal
agency whose sole responsibility is helping you
succeed with your small
business. Many entrepreneurs have
heard about their loan packages, but are
advantage of the additional free information, resources,
even personal assistance they have to offer? These
people are paid to provide
assistance in every area of your
business. They are knowledgeable, and they
are glad to
help. All you need to do is ask.
Every politician in the entire country wants the U.S.
economy to thrive.
What better way than to support the
engine that drives this economy: small
The U.S. Small Business Administration (SBA), though always
help, used to be considered too complex for the
average small business. For
many years, only those
businesses with legal and accounting advisors
advantage of most programs.
The U.S. government is like any other lender: it wants to
be repaid. So
any loan program will have questions and
procedures some will consider
difficult and inhibiting, but
in just the last few years, the SBA has become
friendly as any lender can be. They not only provide the
operate your business but they also offer
counseling on a variety of problems
from start-up through
selling your business.
Other services can help you find customers or even products
to sell. And
the SBA Website is very user friendly. Just
look at http://www.sbaonline.sba.gov/
Perhaps the first thing to strike you is the top center
calling attention to “Success Stories”. The
first one I caught was about
Premier Pet Productshttp://www.sbaonline.sba.gov/ss/ss11.html
was inspired by the rescue of a former racing
about to be destroyed. The business flourished on a $5,000
and was housed in the owner’s home.
Now Premier Pet Products is a $2.4 million company with
For ideas and inspiration everyone, would do well to go
section and read how successful entrepreneurs
have used SBA services to help
them grow thriving
The left sidebar has some powerful help for the
Among the “Hot Items” are these:
Because 97% of U.S. exporters are small businesses, the SBA
lot of aid in this sector. The SBA Office of
International Trade (http://www.sbaonline.sba.gov/oit/
where you can find regional and local offices for
To locate new business connections, see PRO-Net
). This site provides
of opportunity and help to obtain customers or clients
you exactly how to start, finance, operate, and find
customers for your small
business. It includes a list of
all kinds of support services you may need.
Here is all the
information you need to succeed.
The “Startup Kit” we discussed above covers every aspect of
business. But wait!
The SBA has this material organized in a much more useful
manner at the
top of the right sidebar. The elements are
“Starting Your Business,”
“Financing Your Business,”
“Managing Your Business,” “Business
How this arrangement helps is to group all the information
areas. For example, under “Business
Opportunities,” there are sections
dealing with the basics,
rules, finding opportunities, size standards,
proposals, small business programs, and special interests.
section contains links to everything you might need to
clear up issues in the
The Disaster Recovery section is one every entrepreneur
right now and hope you never need it. The
writer has lived in North
Carolina’s Hurricane Alley for
many years. Recent disasters have included
Bonnie, Dennis, Floyd, and Isabel (the center went
over our house). We have been most impressed by the
response of the SBA and FEMA (Federal Emergency
After the latest Isabel disaster, those who applied quickly
quickly, often in two or three days. Study
this section before you need it so
you can deal with
disaster to avoid greater loss.
Small business is so important politically and economically
government will continue to push the SBA into more
areas of aid to
as you can and see
how this agency can help you.
Be sure to peruse the information on Small Business Person
of the Year
awards throughout the U.S. to get ideas about
what you can do.
If they did it so can you!
Local Small Business Counseling
The SBA’s Small Business Development Program works through
scattered throughout the country. From their
), there is a link
locating a Small Business Development Center near you; they
always affiliated with a state college or
Not only do the staff of these centers offer free business
but they usually offer many mini-courses and a
well-stocked library on
everything from business entities
and business plans to taxes and technology
for your small
business. As your business grows, there may be a small
charged, but initially the use of the center’s staff and
are free except for very reasonable costs for
the courses (well under
The advantage of using your closest local Small Business
Center is that their staff will be the most
knowledgeable about local
business trends, marketing, laws,
and taxes that might affect your business.
They will also
know about local funding, financing, or other
They will guide you through the process of writing a
plan and work with you as your business grows.
A visit to your closest Small Business Development Center
should be a
top priority for any home-based business owner,
even if all you do is
familiarize yourself with what they
have to offer.
The SBA is charged with stimulating the national economy by
small business, so take advantage of their
offerings and make your tax
dollars work for YOU for a
© Yank Elliott. All rights reserved worldwide.
---------- << >> ----------
** F*REE Ezine Ads
F*ree SOLO Ezine Ads!
Solo-Ads.com Subscribers get F*REE SOLO EZINE ADS!
Solo Ezine Advertising is the *Absolute Best* way
to Advertise Your
Th/ere's ONLY ONE Place to get Quality F*REE Solo
Subscribe N*ow for F*REE!
---------- << >> ----------
** SubscribeMe.net Ads
Are you tired of cable prices constantly rising? Well, so am I
and I've found a deal that I must share with you. Check it out
if it interests you. Free hardware, 24/7 support all
for one low
1-800-425-5728 and mention promo code (6280)
We have a great selection of gifts for everyone. Once you see
prices, you will not want to shop anywhere else. We also
have a great
franchise opportunity available. Come check us
out at http://thestuffyouneed.info
Learn To Play Pokerhttp://www.pokerbookweb.com
Poker Resource Site
You can even play FREE ONLINE POKER!
Find Out How -
and start playing today!
Before you buy your next HOW TO book, wouldn't it be nice to
are getting one of the valuable ones? Take a look at
the top 10 with
categories on Marketing, Health, Advertising,
Fitness and many more. The
BEST prices on only the HOTTEST. http://www.youregold.com/pudrick
Paid Survey Ezine (free). Get paid to do surveys. *Receive 2-3
company links per issue. *All are free to join. *Be the
first to hear of new
surveys. *Plus, form filling software to
speed up the survey sign ups.
I Quit My Job to do This. I guarantee that you
will make money with the
information at my site,
or I will pay you $25. If you can log into a
website and spend $10, then you can earn a
substantial income. http://doralynn.net
Give Your Feet A Rest! Shop from the comfort of your home
from the largest selection of merchandise and
products. Shop from http://shoppersgonewild.com/10122
Little known cycler shocks net with 8 day consistent cycling!
how men and women around the globe are reaping 8 day
rewards and how you can
too! Claim yours TODAY!http://www.clickaudit.com/goto/?8553
Launch your very own money making website today that's
100% ready to
take orders and pull in MASSIVE PROFITS
for you right now...GUARANTEED! Plus,
you'll get your
own pre-written ezine-in-a-box customized and setup
you absolutely free WITHIN 24 HOURS!! Visit:http://www.pluginprofitsite.com/main-7502
------------------ << >> ------------------
** 2nd Feature Article
Untapped Assets For Your Business - Your Children
by Patricia Dinslage, IAHBE Staff Writer
Home-based business owners often read articles on how to
home-based business with family life. Much of the
advice discusses how
work-at-home parents can set
boundaries to make sure children don't interfere
interrupt, or how to occupy them during business hours.
Rather than a
problem, however, your children may be an
overlooked resource for your
I'm not talking about violating any child labor laws or
advantage of your children. But they, too,
have a stake in the survival and
success of your business.
Allowing children to be a part of your business can
in both long-term and short-term advantages for everyone.
A Chance To Learn
The most obvious advantage for the children is the chance
to learn about
business in general, and your business in
particular. They can learn how a
business operates, what's
involved in keeping it going, and that people don't
give you money for nothing (at least not that I've been
discover!). They may even discover that business
and work can be fun;
accomplishing something important can
make you feel good; and having your own
money gives you
Involving your children as an integral part of your
allows them to experience, on a
personal level, the value of money and work
in their lives,
and the connection between the two. Watching and
to you as a home-based business owner, and working with
your children can gain knowledge of how to work with
other people, to
collaborate, negotiate, and reach
compromises and agreements. Over time, they
may even see
what can be accomplished with self-motivation, discipline
sheer determination, and may even develop these
entrepreneurial traits for
Seeing and experiencing firsthand the balance between
rewards and risks
that comes with owning your own business
may plant a seed. That seed may lead
to them becoming
entrepreneurs and business owners, whether with a
stand, babysitting service, or an Internet business
Hiring Your Children
To be clear, the involvement I'm talking about is not
children run to the post office once in a
while, dusting the furniture while
occupied, or watching the younger ones on a regular
for free. These tasks may be just part of being in a
What I'm talking about is allowing your children to
contribute in a
meaningful way to your business and to
receive rewards in direct proportion
to their contribution
and efforts, just like any other employee you would
They may be employed in your business on a regular
(a few hours a week), during summer and
other school vacation times, even
during extra-busy times
in your business, or in combinations of the
One of the advantages of hiring your children is that you
can get help
when your business needs it, without the
hassle of placing an ad and
interviewing applicants—all to
fill a need for someone 10 hours a week or
seasonal rush. Who knows your children—and their
skills, personality, and work ethic better
Some important points to keep in mind, though, when
your child a job:
* No one likes to be told they HAVE to do something (Ask
any teenager if
you don't believe this!). Using the "power
of the parent" probably is not the
most productive method
for getting your children involved in your business.
them if they would like to work with your business and, of
earn some money of their own.
* Don't automatically assume that your child will be
thrilled to start
working with you—even if you do offer to
pay them. That's OK—they may not be
ready for the
responsibility, may not be interested in your business,
may be caught up in other activities and priorities. After
all, one of
the reasons you probably became a home-based
business owner is for the
freedom to set your own
priorities and do what you wanted. In this case,
children should also have that freedom.
* Treat them as you would any other potential employee, to
extent. Explain, at their level of understanding,
the job and tasks involved,
the work hours, the pay,
rewards or benefits.
* Remember that they still will need time to be children
the developmental tasks of being children.
They will need, and should have,
free time to play, be with
friends, do schoolwork, watch TV, play videogames,
* Discuss the concrete, as well as intangible, benefits to
you and to
them of helping you and your home-based business
* The wages you will pay them is their own money, to spend
please (as long as it's on something legal and not
dangerous). If they want
to buy that new CD by that
horrible group you can't even understand—well,
choice! You certainly wouldn't be telling
employees what they could and couldn't spend their
* Explain at their level of understanding some of the other
expectations, and guidelines that adults take for
granted, but which children
don't necessarily know—such as
not leaving in the middle of a rush job to go
to a movie
with a friend calling in a last-minute invitation.
* You will need to provide proper training in how to do the
job and the
intangibles of business etiquette.
* Plan to have lots of patience. Your new employee will
and you will need to provide guidance and
constructive praise, not yelling or
The goal is not just to get the job done most
but also to parent, to teach, to grow closer as parent
child, and to have fun.
* Plan B: Sometimes, despite everyone's best effort,
working with family
members just doesn't work out. Rather
than get caught up in blaming, fights,
guilt—just chalk the whole arrangement up to a
experience for both of you.
Tax Advantages & Legalities
I am assuming, of course, that you will be compensating
for their work. Keep in mind, too, that the
compensation may be money,
payment in products or services
from your business, or for very young
children, a favorite
meal, movie, special trip or other uncommonly given
Other than the last suggestion, certain tax and legal
exist that, as a business owner, you must take
One of the advantages to you as a business owner of
children is that you can deduct their wages
right off the top of your
business's taxable income as a
business expense. As a home-based business
owner in the
United States, the salaries you pay your under-18
are not subject to Social Security or Medicare taxes. If
child is between 18 and 21 years old, you do not have
to pay federal
unemployment taxes. Of course, whatever the
age of your child-employee, you
must withhold income taxes,
according to the U.S. Internal Revenue
The bottom line is that you may be able to include your
standard deductions on your personal income
tax, and also deduct their wages
from your business taxes.
In addition, if your child earns less than a
in wages during the year, their wages may be tax-free,
you still would be allowed to deduct those wages as
Other countries may have similar laws;
check your government tax guidelines.
In any case, as a
business owner, you will want to consult your tax
or accountant before filing tax returns.
Salaries, whether paid to your children or a non-relative,
legitimate business expense. When employing your
children, however, certain
additional factors will be
considered before allowing the business
1. The business owner must have proof that the child was
paid a salary;
2. The salary was the same as what would be paid to any
the job - no over- or underpaying; AND
3. The salary was reasonable for the child's age ($20,000 a
year to a
5-year-old might be questioned); AND
4. The work the child did was necessary to the business.
You are allowed to pay your child-employee in product or
your business. For instance, in return for
working in your travel and tour
business all summer, you
arrange and give your child a trip to Disneyworld
payment for his or her work. You can claim the fair market
value of the
trip and arrangements as a deduction from your
business's taxable income.
However, you must add to your
gross sales an amount that is equal to the
value of the
product or service you paid them. The child, on the
hand, must claim the value of the product as part of their
and the business owner must withhold income taxes.
Another significant tax advantage for your children is that
income qualifies them to contribute to a Roth IRA.
Starting in 2005, this can
be up to $4,000 a year in an
account with tax-deferred earnings—a huge step
their eventual retirement or other allowable uses. Savings
their own name could possibly count against them for
financial aid when the
go to college, but in general, most
financial advisors say "Start saving
This is not meant to be definitive tax information for the
owner. You definitely will want to consult your
national tax laws, as well as
a professional tax advisor or
What Jobs Can Your Child Do?
You've decided to hire your child to work for your business
and he or
she has agreed that it's a good idea. Now what?
Specifically, what work your
child can do for your business
that you would be willing to pay them to do?
You want the job to be age-appropriate, so that
child-employee does not become frustrated, overwhelmed—or
Remember that your new employee has a child's
attention span and viewpoint,
which can sometimes result in
You also don't have to wait until your child gets to be
late-teens before offering them a job. For
instance, your toddler can help
you open packages, turn
lights and equipment on and off, throw paper in the
etc. Preschoolers can lick stamps, seal envelopes, open
envelopes and more.
For these tasks on a relatively regular basis, they can be
paid with a
special treat, extra story time, a trip to the
mall, library or museum, etc.
Of course, these
payments-in-kind, probably wouldn't be deductible,
could be very rewarding to both of you.
School-age children have begun to realize what money really
the ability to buy things they want. Most like
the idea of getting money on a
regular basis, and usually
take well to the concept of doing something to
something. In addition, some jobs they can do in your
add to what they are learning in school and
even result in better grades.
They can sharpen pencils,
keeping count of them and learning when you might
more. They can help you sort and organize papers, bills,
or file papers in folders, even if they can't
read everything. Children can
count and keep track of
change, for instance, if your business involves
money. The ability to sort, organize and match things is
the major childhood learning tasks, and children
often find these types of
activities fun to do!
Teenagers have the knowledge, ability, and skills to be a
addition and contributors to your business.
However, they may not be
motivated to work, or may be
extensively involved in school activities,
friendships, and not have the time. On the other hand,
also are very aware of the usefulness of money.
Employing your teenager may
be a challenge for both you and
him or her. But where better for them to
about the world of work, getting along with
(including bosses), money management skills, and a good
than working in the supportive environment of a
family business? They
probably can do almost anything in
your business that you would need done—and
things that you don't realize could be done—in your
These young people tend to be among the most
Internet-savvy people in the
world today. In addition, they
often are consumer- and business oriented at a
When it comes to Internet research, seeking out new
markets for your business, getting a Web page up and
your business (or improving the one you have),
even advising you on business
technology, electronics and
equipment, your teenage child may become one of
business resources and advisors. Respecting them as
and the knowledge they bring, even seeking out
their ideas for improving your
business, could result in
payoffs far exceeding the wages they earn.
In summary, hiring your children and paying them probably
is better for
everyone than just giving them money and
getting no deductions in
© 2005 Patricia C. Dinslage. All rights reserved worldwide.
Patricia C. Dinslage is a freelance writer and staff writer
She has BA degree in Economics, BS degree in
journalism and is currently
working on a Master's degree in
career counseling. She has worked in
agriculture and media, including a stint as a
reporter for a daily newspaper.
---------- << >>
** Sponsor Ad
8 EASY STEPS FOR TURNING $29.95 INTO HUNDREDS EACH
---------- << >> ----------
** Place Your F*REE Weekly
Send in your ad! Don't forget the adcode :-)
$$$$$$$$$$$ EZINE GALLERY $$$$$$$$$$$$$
Xchange It Network - Did Somebody Say Free?
100 FREE visitors, FREE
ezine ad, FREE classified ad and
2,500 FREE banner impressions, all while
networking with other
business owners. Where else can you get ALL of that for
pay for traffic, when you can Xchange it?http://www.xchangeitnetwork.com
SUBSCRIBE TO THE EZINE PEOPLE WANT TO READ!
Resource Center Newsletter
Brand New! Different concept! People Helping
Succeed! Choose to be a subscriber, visit our site for
Subscribe links everywhere :)
Are you looking for a fresh perspective?
You'll get that and more
when you subscribe to
"The Wave" ezine. Free subscriber ads, contests
a lot of fun! Published bi-monthly.http://www.topica.com/lists/TheWaveEzine
EXPERIENCE THE POWER OF INSPIRATIONAL ANGELS!!!
Where you'll receive
the best things in life FREE!!!
Heres some of what you'll receive FREE:
Quality Music, interesting pictures, valuable
Tasty Receipes, FREE Gifts, Games, Encouraging Articles,
more. Join TODAY & receive a valuable Gift, FREE!
To join. Send amailto:subscribe-IRAngels@mail.com?subject=iluvpaws
Come join our group of dedicated Netpreneurs today!
'Hitting Your Mark' Straight Talk For
Success Ezine. We are dedicated to
giving you the
straight story on the programs, products and services
need for success. Free bonuses and free ads.
Subscribe now at http://ihitthemark.com/HYMSubscribe.html
--------------- WINNERS CIRCLE
This week's winner of the $2.00 PayPal Giveaway is...
- - - - - - - - - - - - - - - - - - - - - - - -
The two winners of the 500 double opt-in leads are:
Please show your support by voting for us! Thanks :)
Any person reporting alleged spam to any person, persons,
without physical proof of said claim is guilty of both
fraud and a civil
crime and may be pursued and prosecuted to the
fullest extent of the law.
Further, should the said allegation result
in any interruption of normal
business activity of the company
and/or result in loss of income and/or
result in unnecessary
expenses, a civil suit will be brought against the