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Beginners
                    Marketing
                      Class
                       Volume One
                   Provision Your Ship


        Chuck Bartok
www.beginnersmarketingclass.com
         530-798-0245
Introduction
For the past 47 Years I have predominately been involved in marketing
of Tangibles and Intangibles, using most of the Models available, Direct
Response, Direct Mail and MLM Network Marketing and more recently,
ventured on Line.

I arrived on-line due to a Massive Coronary which left me a bit more
sedentary than I was used to, so I bought a computer and started
investigating the Business side of the Internet.

I was a bit appalled at the wild claims being made and after researching
further I realized there WAS and IS a real opportunity for anyone with
the same Mind-set as needed for OFF-Line Marketing Success. But as
I started to meet people through Forums and Social/Business networks I
found very few were making any reasonable return on their Investment
of TIME, ENERGY and CAPITAL.

The business models and products are, for the most part, legitimate and
Work for some.........

But what seemed to lacking was the "Detailed Chart", the "Check List
and Flight Plan", the "Road Map".

Beginners Marketing Class is designed to be a constantly Evolving
Resource Community, offering that Detailed Chart on HOW TO develop
the Business Mind-set and apply the Mundane Details to a well
thought-out Business Plan.

These Volumes will offer you a Printed guide, with updates as they filter
in from the Resource membership site. The use of Text, Audio, Video
and Live Conferencing will be the main delivery Vehicles.


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This book and subsequent Volumes may be shared with others, and the
right to Re-Brand these volumes is granted to all Lifetime Members of
Beginners Marketing Class. The Re-branding Option allows this to
become a Viral marketing Tool for those Members.




                            Disclaimer

While all attempts have been made to verify the information in this
publication, neither the Author nor Publisher assumes any
responsibility for errors, omissions, or contrary interpretations of
the subject matter here in.

This publication is not intended as a source of legal or accounting
advice. The publisher wants to stress that the information contained
herein may be subject to varying national/state/local laws or
regulations. All users are advised to retain competent legal counsel
to determine what national, state and/or local laws or regulation
may apply to the user’s particular business.

The Purchaser or Reader of this publication assumes responsibility
for the use of these materials and information. Adherence to all
applicable laws and regulations, federal, state and local governing
professional licensing, business practices, advertising and all other
aspects of doing business in the United States or any other
jurisdiction is the sole responsibility of the Purchaser or Reader.

The Author and Publisher assume no responsibility or liability,
whatsoever on the behalf of the Purchaser or Reader of these
materials any perceived slights of people or organization are
unintentional.


Page 3 Of 30
Table of Contents

Page 2.   Introduction
Page 5    Chapter 1, The Business Plan, Step 1
Page 16   Chapter 2, Cash Flow, Budget and Capitalization
Page 26   Chapter 3, The Mind-set of an Entrepreneur




Page 4 Of 30
Chapter 1
                     The Business Plan
                The Beginning of Provisioning Your Ship


               How to plan your business
Some guidelines for preparing a good business plan are:
Before we get into some “meat & potatoes”, we should realize the Two
Main reasons a Self-directed Home Based Business person should
HAVE and maintain a Business Plan.
   1. The United States and other Countries usually require a
      BUSINESS PLAN, as a requirement to qualify for generous
      tax Advantages.
   2. It gives the entrepreneur a Course to Follow, and since it is
      written it will always have IMPACT
1. Define your objectives for producing the business plan. Who is
going to read the plan and what do you want them to do? The objectives
can help you decide how much emphasis to put on various sections of
the business plan. If the Plan is “for your Eyes only” and a few
associates, the requirements will be different than that developed for
Investors or Lenders. BUT defining your Definite Major Purpose, your
Mission Statement is most important. Many call this the WHY of
business…….
You cannot put too much thought into this definition
2. Allocate enough time and resources to thoroughly research your
business plan. A business plan is only as good as the research that went
into producing it. For example, you will have to do research in order to
find out more about your industry, your potential customers, your
potential competitors, and your potential sales and costs. Use the
Keyword searches in the Search Engines to find out where your market


Page 5 Of 30
is and what it is they are looking for if your emphasis is in On-Line
Marketing
3. Show drafts of your business plan to others. The use of The
Master Mind Alliance is critical here. It can be very useful to get
feedback on your draft business plan from various people, including both
people associated with the business and others.
4. Write your own business plan. One common mistake made by
entrepreneurs is to borrow heavily from a sample business plan and
simply change the names and some of the numbers. There are two big
problems with this approach. First, the emphasis you place on various
sections of the business plan must reflect what is important in your
particular business. Second, a good business plan should flow together
like a good story, with the sections working together to demonstrate why
the business will be successful. Business plans which borrow too heavily
from other business plans tend to be disjointed, with some sections
contradicting others and some key issues left unaddressed.
5. Outline the key points you want to make in each section before
you start writing. Review your outline to ensure that your sections are
consistent with each other, that there is little duplication, and that all the
key issues have been addressed.
6. Make sure your financial projections are believable. For many
readers, the financial section is the most important section of the
business plan because it identifies your financing needs and shows the
profit potential of your business. If you are currently used to earning
$50,000 annually, it wouldn’t make sense to project Net Earnings of
$500,000 the first Year In addition, a good financial plan will give the
reader confidence that you really understand your business. So be sure to
test the reasonableness of each of your assumptions. Overly optimistic
assumptions or a failure to accurately reflect the full costs of operation
can quickly destroy the credibility of your business plan.




Page 6 Of 30
7. Do the Executive Summary last. The executive Summary can be the
most important section of your business plan because people will read it
first and it may be the only section they read. The keys to a good
executive summary are that it should be short (2 pages at most), it should
highlight what is important in your plan, and it should get the reader
excited about your business.
Be realistic
Don't be optimistic. People reading your plan must see that you have
done your research and analysis and you understand your business

Show a path to profitability
The most important question for anyone investing will be "when do I see
a return"
Show a strong management team and Master Mind Alliance
It is the people in your team who are going to make a success of your
company. Decide at the beginning the IMPORTANCE of delegation of
work, be ready and budget for “outside” help

Recommended Reading:

The One Page Business Plan for the Creative Entrepreneur




Page 7 Of 30
Other Planning Tips
Competition
Understand your competitors and learn from them. See what they do best
and understand why they do it well.
Use the well established Search Engine Methods, Keyword analysis,
Overture rankings
On the key items you believe are vital to your success, rate each of your
competitors to see who is the best and where you fit into the picture.
But always remember, your BIGGEST competitor many times, is YOU
Marketing Plans
Who are your main target customers, what are their needs, and how are
you going to tell them about your products?. That's marketing. And we
will go over EXTENSIVE system, Tools and methods of Marketing
On-line and Off-line in this series of Volumes
Work out these two questions and you are well on your way to making
sales. There are many ways to communicate that are cheap to do from
trialing your product free, to emailing your prospects.
We will cover the Secrets of Marketing within a realistic Budget further
in the Volumes.
Added resources for the Business Plan:
http://wsj.miniplan.com/
 http://www.planware.org/freebusinessplan.htm
http://www.planware.org/strategicplanner.htm
http://www.planware.org/online.htm



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The Following is a Template that addresses different Business types.
Some of the parameters are not directed to Home-based or Internet
network Marketing Businesses. Adjust accordingly.
 The Help Boxes can be Removed via a Left-Click and
                       Delete
Although some of the section below may not seem to
fit what we define as Internet marketing Businesses and/or Network
marketing, you will be surprised How Thinking The Answers to these
questions may allow to have a More Clear DEFINITION OF WHAT
YOU want to Accomplish




[Enter Business Name Here]
Business Plan




[Address]
Telephone: [Phone Number]
Contact: [Your Name]


[Date]




Page 9 Of 30
[Confidentiality Statement]




Introduction
[Background]                                   Include the general nature of the business, what your
                                               product or service is and why it is unique, and why you
[Summary of financial needs]                   believe the business will be successful.




                                              What product or service do you provide? What is your
                                              competitive advantage? When will the company be
                                              formed? What are your company objectives? What is the

Executive Summary
[Company information]                            Write the Executive Summary section last!
[Market opportunity]



                                          What is the expected size and growth rate of your market,
                                          your expected market share, and any relevant market
                                          trends?


Benefits to the Community
Economic Development
[Describe jobs created by the business]
[How will purchases for the business help other local businesses?]
[Any additional information]
Community Development
[How will the company's goods/services help the community?]
[Any additional information]
Human Development




Page 10 Of 30
[How will the business help its employees?]
[Any additional information]

Company Analysis
Form of Business Ownership
[Will your business be a sole proprietorship, partnership, or corporation? Why?]
[Describe any necessary licenses or permits and your plans for obtaining them.]
[Will yours be an independent business, a takeover of an existing business, an expansion of an
existing business, or a franchise?]
[Any additional information]

About the Company
[If you are taking over or expanding an existing business, describe any relevant history.]
[How will the business satisfy customer needs?]
[How did you choose and develop the company's products/services, and how are they unique?]
[Any additional information]

Industry Analysis
[In what industry does the business operate?]
[Who are the competitors?]
[Have any other businesses recently entered or exited the industry?]
[How will the business be profitable, and what are the growth opportunities?]
[Describe any e-business opportunities.]
[Any additional information]
                                                                       Include a résumé for each key
                                                                       person in the Appendix.
Management Team
[Who are the key members of the business team?]
[How will the company be structured?]                         Include an organizational chart in the
                                                              Appendix.
[How is the team balanced in terms of skills?]
[What is the company's management philosophy and culture? What is your leadership style?]
[Describe the key management positions and compensation for those positions.]
[What other professionals will assist the management team?]
[Any additional information]



Page 11 Of 30
Manufacturing and Operations Plan
Location and Space Requirements                                   Include a floor plan in the Appendix.
[Where is the planned location?]
[Discuss the location's proximity to customers and suppliers.]
[Discuss tax rates and zoning requirements for the location.]
[Discuss transportation issues.]
[Discuss utility costs.]
[Will you rent, lease, or purchase the facility?]
[Any additional information]

Equipment
[Will you rent or purchase equipment?]
[Any additional information]
                                                    The next section covers the labor force in depth. This
Labor Force                                         section should discuss the labor force as it relates to
                                                    your location, manufacturing, and operations plans.
[Discuss the local labor pool. Is there a
sufficient quantity of skilled people to meet the business's needs?]
[Discuss wage rates and unionization issues.]
[Any additional information]

Inventory Control
[How will you control quality, inventory, and production?]
[Any additional information]

Purchasing Requirements
[Will you make or purchase component parts to be assembled into the finished product?]




Page 12 Of 30
[Any additional information]

Subcontractors and Suppliers
[Who are your potential subcontractors and suppliers?]
[Any additional information]

Labor Force
Labor Requirements
[How many employees are needed? Full time or part time?]
[What are the job qualifications?]
[Will you have written job descriptions?]
[What will you pay your employees? How does that compare with the going rate in your region
and industry?]
[Any additional information]                           The next section covers the labor force in depth. This
                                                       section should discuss the labor force as it relates to
Selection, Orientation, and                            your location, manufacturing, and operations plans.

Training
[Do you have a job application form?]
[What criteria will you use in selecting employees?]
[What orientation process will there be for new employees?]
[How will new employees be trained?]
[Any additional information]

Evaluation, Policies, and Rules
[How will employees be evaluated?]
[Will authority be delegated to employees?]
[How will you discipline employees?]
[What will you do when employees resign?]
[Any additional information]

Marketing Plan
Target Market(s)
[What is/are your target market(s) and what common needs can the business satisfy?]




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[What are the current needs of each target market? Describe the target market in terms of
demographic, geographic, psychographic, and product usage characteristics.]
[What changes in the target market are anticipated?]
[What advantages and disadvantages do you have in meeting the target market’s needs?]
[What are the relevant aspects of consumer behavior and product use?]
[Any additional information]
Environment
[What are the competitive, legal, political, economic, technological, and sociocultural factors
affecting your marketing efforts?]
[Any additional information]
Marketing Objectives
[Describe your product introduction, improvement, or innovation]
[State the market size in dollars and units. Indicate your primary and secondary sources of data
and the methods used to estimate total market size and your market share.]
[Describe your distribution plans.]
[Describe your pricing objectives.]
[Describe your advertising and promotion efforts.]                         Prepare advertising samples for
                                                                           the Appendix.
[How will the results of your marketing plan be measured and
evaluated?]
[Any additional information]
                                                    Remember, most lenders and investors insist that you
Financial Plan                                      submit current financial statements that have been
                                                    prepared by an independent CPA.

Startup and Operating Needs
[How much money do you have, and what is the actual amount of money you need to open your
business (start-up budget)?]
[How much money is needed to keep the business open (operating budget)? Prepare a realistic
budget.]
[What sources of funding do you anticipate?]
[Any additional information]
Financial Statements
[Prepare an income statement by month for the first year of operation and by quarter for the
second and third years.]
[Prepare balance sheets for each of the first three years of operation.]




Page 14 Of 30
[Any additional information]

Financial Analysis
[Prepare a breakeven analysis. How many units of your products or service will have to be sold
to cover your costs?]
[Reinforce your final projections by comparing them with industry averages for your chosen
industry.]
[Any additional information]

Exit Strategy
[How do you plan to get yourself (and your money) out of the business?]
[Do you intend to grow the business to the point of an IPO?]
[Do you intend to sell the business?]
[How will investors get their money back?]
[Any additional information]

Critical Risks and Assumptions
[What will you do if your market develops either more slowly or more quickly than anticipated?]
[How will you react to competitor challenges such as underpricing or the emergence of new
products that make yours obsolete?]
[How will you react to favorable or unfavorable changes in the industry?]
[How will you react if there is a labor shortage or other labor-related issue?]
[How will you react if there is an erratic supply of products or raw materials?]
[Any additional information]

Appendix                                            Include supplemental information, such as an
                                                    organization chart, résumés of key owners and
                                                    managers, a floor plan, and advertising samples.




Page 15 Of 30
Chapter 2

                Cash Flow Projection, Budget
                     and Capitalization




                                   Cash Flow and Budget
                                      Requirements
                Every Business, be it a “Brick & Mortar”,
                Off-line Direct Mail, Direct Response, Internet
                MLM, Affiliate Marketing, or MLM Network
                Marketing needs to begin with a reasonable
CASH FLOW PROJECTION.


As you develop the Business Plan of the type of business you want, that
Business Plan should SPELL out the Cash flow Income projected,
minimally, Quarterly the first two to three years.

Of course opposite that is the Expense Projection, including initial start
up costs, and monthly re-curing expenses, hopefully on a
Increasing Scale….

YES, every successful business is constantly re-investing, to attain the
growth and ultimate profitability projected as a Goal in the overall Plan.

The Lack of this type of planning is the reason the published Failure
Rate is so high. Eager, budding entrepreneurs are constantly succumbing
to the glorious rhetoric about unlimited income “with only three

Page 16 Of 30
recruits”, no “selling needed”, “get of
bankruptcy in 60 days”……….

Successes are very possible, and some even in a reasonable period of
time, but unless you have an un-limited checking account and are willing
to willy-nilly pour money into a Pit, it takes conscientious research and
planning before you EVEN Write that first Check for the Auto-ship, or
purchase the “Program of a Lifetime”

The following are some suggested guidelines on the requirements of
projected the Cash Flow for a Business you would expect to net $700 a
month within 6 months……

I know, you are saying what a ridiculous low amount of Income.
My experience has indicated, and the Market bears the truth, the average
American Household is only $400 a month away form financial
disaster, regardless of Income. And $700 a month represents the income
realized from a secure nest-egg of $168,000 earning net 4.5%. How
many can put aside that much in a relative short period of Time?

Cash Flow projection: These are real figures I used two years ago before
starting another Income stream.

Expenses and cash flow monthly 9 months


                                                                     monthly
MONTHLY EXPENSES                  MONTHLY INCOME                     P&L          Total
1ST MONTH                         1ST MONTH
Fixed auto-ship         $104.95   2 new clients @ 15%       $30.00
postage                  $52.00   1 auto responder client   $17.00
printing                 $50.00
on-line advertising      $75.00
off-line advertising    $150.00
total expense month 1   $431.95                             $47.00      $384.95    $384.95

2ND MONTH                         3 new clients @ 15%       $45.00
Fixed auto-ship         $104.95   2 clients 1st month       $30.00



Page 17 Of 30
postage                  $52.00   2 second level clients     $80.00
printing                 $50.00   Auto responder Income      $23.00
                                  Traffic exchange
on-line advertising      $75.00   Income                     $10.00
off-line advertising    $150.00
total expense month 2   $431.95                             $143.00    $288.95   $673.90


3RD MONTH
Fixed auto-ship         $104.95   4 clients @ 15%            $60.00
postage                  $52.00   4 clients renew            $60.00
printing                 $50.00   5 second level clients    $200.00
on-line advertising      $75.00   Auto responder Income      $43.00
                                  Traffic Exchange
off-line advertising    $150.00   Income                     $30.00
total expense month 3   $431.95                             $393.00     $38.95   $712.85


4TH MONTH
Fixed auto-ship         $104.95   4 new clients @ 15%            60
postage                  $52.00   7 clients renew               105
printing                 $50.00   12 second level clients       480
on-line advertising      $75.00   Auto responder income          60
off-line advertising    $150.00   traffic exchange income        45


total expense month 4   $431.95                             $585.00    $153.05   $559.80


5TH MONTH
Fixed auto-ship         $104.95   4 New clients                  60
postage                  $52.00   11 renew                      165
printing                 $50.00   16 second level clients       640
on-line advertising      $75.00   Auto responder                 78
off-line advertising    $150.00   traffic exchange               60
                                  extra affiliate sales          75

total expense month 5   $431.95                             $853.00    $421.05   $138.75

6TH MONTH
Fixed auto-ship         $104.95   4 New clients                  60
postage                  $52.00   13 renew                      195
printing                 $50.00   20 second level               800
on-line advertising      $75.00   Auto responder                 85
off-line advertising    $150.00   traffic exchanges              70
                                  affiliate income               85

                                                            $1,040.0
total expense 6 month   $431.95                                    0   $608.05   $469.30

7TH MONTH



Page 18 Of 30
Fixed auto-ship               168    4 new clients             60
postage                        78    16 renew 1st level       240
printing                       65    24 second level          960
on-line advertising            85    auto                      90
off-line advertising          175    traffic exchanges         85
                                     affiliate income         120

                                                          $1,255.0             $1,153.3
total expense month7       $571.00                               0   $684.00          0


8TH MONTH
Fixed auto-ship               168    6 new clients             90
postage                        78    19 renew                 285
printing                       65    28 second level         1120
on-line advertising            85    Auto responder           100
off-line advertising          175    traffic exchanges         90
                                     affiliate income         150

                                                          $1,460.0             $2,042.3
total expenses month 7     $571.00                               0   $889.00          0

9TH MONTH
Fixed auto-ship               220    7 new clients            105
postage                       104    25 renew                 375
printing                       85    31 second level         1240
on-line advertising           100    Auto responder           106
off-line advertising          220    traffic exchange         100
                                     affiliate income         200

                                                          $1,646.0             $2,959.3
total expenses 9th month   $729.00                               0   $917.00          0



This program is still doing very nicely and the Actual figures actually
feel short to the ninth month but exceeded the year end projection.

With compensation changes to the better in 2008, I look for this
Marketing program to generate a steady $3,000 + net income for the
year. It works so well as an ancillary Income program while at the same
time providing me with the Quality Leads any business needs so
desperately.. The above spread Sheet represents also represents a
ONE Hour Day Time commitment




Page 19 Of 30
Notice that I originally projected increased Expenses as the Business
grew. I actually increased expenses a little sooner, with cash flow from
some other Funded Proposal Income Streams.

This simple lead conversion program continues to propel my “Ship” on
its Overall Journey to Abundance

Don’t forget to continue to Re-Invest in your Business, or it will
wither and die……




                Where does the Capital come From?

When I first ventured into the marvelous World of Internet Marketing
three years ago I was struck by how many people expressed interest in
creating Second Incomes, “quitting their Jobs” and “firing their
Bosses”, but also said “I have NO MONEY to invest and many, also,
went so far as to say ”I don’t
Have the time to do that…..”

If you have read this Far you realize that Time, Energy and Capital are
needed if one expects to enjoy the ultimate FREEDOM afforded to those
who have developed self-directed Businesses that allow Residual
Income and are affected by the Business “owners” ability to be The
Captain of the Ship.

IF YOU are serious about being in Business for yourself, and you must
be to have read this far, and are short on Investment capital, there are
many ways to “find” that extra Money to Invest in Yourself.




Page 20 Of 30
I have listened to presentations by several MLM and Direct Response
Marketing Organizations that PROMOTE using credit on Credit Cards
to fund the Programs they Tout……

In my estimation that would be a MOST FOOLISH method of funding
a New Enterprise, especially for someone who does not have a history of
self-employment. The best business plan, the best budget system, the
best product and the most dedicated entrepreneur can experience Squalls
and Storms that easily veer one Off Course, but the credit Card Charges
and compounding Interest will continue.


Since most seeking secondary Income and fulltime Income from
“Self-employment” are EMPLOYED at the time; the quickest way to
Free UP Capital (for U.S. Citizens) is to increase the number of
Dependents on their W-9. For further Information download the
following E-Book and study it carefully

www.beginnersmarketingclass.com/savetaxes.pdf

QUICK DISCUSSION ABOUT TAX ADVANTAGES
Fact: There is not one question on the CPA exam related to
Home based business taxes.

Result: What your tax pro doesn’t know could hurt you!

As a home-based business owner you are entitled to numerous tax
Savings for simply doing what you love, building your business.

You may think that these savings are meaningless or maybe don’t
apply to you because you’re not a “Big Business Builder” but that
mentality is loosing you money!




Page 21 Of 30
People just like you around the Nation are saving on average $9,925 on
their taxes annually! Did you save that much on your taxes last year? If
not, WHY?

Below is a graph from the Government Accounting Office that
shows the average savings from the most common deductions.


$6,100 Car & Truck Expenses
$2,100 Utilities
$3,000 Supplies Not office
$1,300 Office Supplies
$700 Legal Services
$1,600 Insurance
$4,300 Depreciation
$1,000 Taxes
$1,000 Meals & Entertainment
$1,600 Advertising
$2,200 Repairs
$2,300 Travel
$6,400 Rent on Business Property
$3,000 Home Office
$3,100 Rent on Equipment

These will vary for the individual, but everyone must be sure they are
eligible for these Benefits by keeping accurate records.

I have found that 10 minutes daily is all that is needed to keep your Tax
File Up-to-date, especially using the Innovative Tax Filing Software
available below

GET Your copy of MLM Tax helper today.

www.mlmtaxhelper.com/g.o/th2w


Page 22 Of 30
Some side notes on Budgets:

1. This won’t make me popular with MLM Leaders, but I suggest to my
associates to start off with the lowest possible Auto-ship to qualify for
Income. Your business will grow ONLY if you advertise Yourself and
your Product through normal media Channels and YOU are available to
travel. Instead of spending $200-300 on Auto-ship, if you can start with
$100 and spend the remaining capital on GROWTH, you will be able to
increase your purchases quickly and take advantage of incentives usually
offered.



But you MUST have enough operating Capital to stay the Course.
It takes TIME ENERGY And Capital to Grow a Successful Business.

2. Don’t be afraid to invest in TOOLS and SYSTEMS that have proved
to be efficient and offer a good ROI (return on investment)

3. Budgets are plans made to be Flexible, but before you jump to
changes, discuss with your Master Mind Alliance and get their Input.



OTHER AREAS OF INVESTMENT CAPITAL
ACCUMULATION:

Besides the Increase Take Home Pay available by changing your
Deduction levels, there are many other areas to shift current available
cash to YOUR Prime directive and that is the Growth of Your Business.




Page 23 Of 30
Contrary to the opinion of some ridiculous Advertisements On-Line,
building a Business is EASY, if Sacrifice. Planning and Desire are
applied.

Most who begin this Exciting Voyage are not used to SACRIFICE or
find it difficult to adjust from an EMPLOYEE Mind-set to an
ENTRPRENEURIAL Mind-set. History has proved the Successes, we
hear about, were obtained by applying the above principles, especially
the ability to Sacrifice Today for results Tomorrow.




Here are some Cash Finding Ideas to FUND Your DREAM:

       3. Since watching TV has never really earned many people much
          Money, consider cutting out Cable/Satellite expense for 6
          months. According to statistics, that decision could generate
          $50 month or more. Your family may scream, but they will
          appreciate your end Result later, Much More!
       4. If you are currently employed in occupations that allow a
          regular Lunch break, seriously consider Brown-bagging lunch
          for 6 months. This Habit change could easily yield a net
          Capital saving for business investment of $150 month or
          more.
       5. What is in the basement, attic and in closets that you
          desperately needed, used once and probably won’t again?
          These “treasures” are ASSETS of No Value, where they are.
          Have a Yard Sale, go to Flea Markets, and convert those things
          into CASH for the Growth and Expansion of your Business.
          That is your Passion. (NOTE on Flea markets: I regularly
          attend these wonderful prospecting venues and not only “sell”


Page 24 Of 30
my wares, but I have met new people and formed Powerful
          Network Marketing relationships there. After all, who goes
          there? Entrepreneurs and Value Minded people.)
       6. What are you driving to and from Work? Are you renting your
          car? I have always considered a vehicle as a means of
          Transportation and have enjoyed ownership of modest autos
          and Trucks that did their job and kept my CASH where it
          belonged, in my possession to be invested in my businesses as
          seen fit for Return on Investment. Get rid of your leases and
          payments if possible, buy a functional vehicle and put the
          difference in YOU BUSINESS. Then set aside a Fund for
          replacement and PAY Cash for that Dream Vehicle when your
          business is enjoying PURE Profit for an extended period. (Side
          Note: according to statistics, the average REAL millionaire in
          America is driving a PAID FOR 5 year old or Older Car)

    How many of you are shaking your heads and think I am crazy?
    Well you are partially right.

    I am crazy for having the burning desire to enjoy TRUE
    FREEDOM, do what I enjoy doing everyday, and developing a
    position of Wealth, only afforded to those who are in CONTROL of
    their Lives and Incomes…


    BEING A SUCESSFUL SELF-DIRECTED BUSINESS PERSON
    is in YOUR Grasp, if you can develop the Mind-set and create
    Habits allowing the THOUGHTS to flow and Massive Action to
    allow your Voyage to Abundance to be as smooth as possible.

    If you don’t already have a Copy of two of the Best Guides to
    Conceiving, Planning and Implementing YOUR Business, get these
    two Books and STUDY them, don’t just Read them.



Page 25 Of 30
Think & Grow Rich
    www.think2growrich.info


    The Master Key
    www.beginnersmarketingclass.com/masterkey/html




Page 26 Of 30
Chapter 3

                     The Business Mind-Set

                     Why do some people take immediately to the
                    Lifestyle and work ethic associated to Being In
                    Business?

                    What Magical Powers do they possess?

Usually it is the simple result of MIND-SET change. Going back to the
mind of a child, in some ways, before being contaminated by Social
Pressures.
Observe Children. Think back to your Youth, when the imagination
carried you to fantasic places, you were the Super-hero. You belived in
Santa Claus....

But then Society crept in and started to re-direct and in most cases
squash the Imagination by constant barrage of Negativity. We allowed
ourselves to be programmed, to fall lock step into a "responsible,
productive member of the work-force". We are directed to go to school,
digest the spoon fed pap and go out and SECURE a position.

Before you jump all over me and think I am anti-social, I declare, YES I
am. I was blessed at an early age to be taught and guided by teachers and
parents who allowed the Fantasies to Flow. My father, who came to this
country with My Grandparents to EXPAND their Minds in a
FREEDOM loving environment, left me simple thoughts.....




Page 27 Of 30
"Do whatever you want, gather the knowledge and …
                                                      work … like …
                                                      hell.
                 Always treat others as you want to be treated and don't
                    CHASE money, let it Find you."
                Steve Bartok 1918-2007

 I was pointed to and enjoyed Reading, especially about DOERS,
Can-Do people who, in most cases how they overcame odds and realized
their Dreams.

In 1960, as a freshman in college I was introduced to the TWO Books
offered in the previous Chapter........

I you haven't already, Download these two and STUDY them, don't just
Read them.....
Instead, make them part of your THOUGHT Process

They were so SIMPLE to understand and I was able to take in the
THOUGHT process they presented.

I realized I could do whatever I set MY MIND TO DO.

                          The Real Secret?
Nothing more than this: THINKING as an entrepreneur. Don't operate
with an employee mentality. If you settle for Providing your service for
direct compensation dictated by another, you will not be able to Break
Out and enjoy being in Control of both your Lifestyle and your Financial
Independence.

On page 36-37 in Think and Grow Rich, Napoleon Hill spells out the
simple six steps to "achieve all that you can conceive"



Page 28 Of 30
We THINK ourselves to WHO we want to be, and Plan the method and
then Apply Massive Action........
Modern authors have based their works on the tradition of MIND-Set
Development brought forth in The Book of Proverbs, The Science of
Getting Rich , The Master Key and Think & Grow Rich.




Page 29 Of 30
In order to truly enjoy the Excitement, Frustrations and Rewards of
being involved in Self-Directed Business a person Needs to throw off the
usual Mindset of an Employee and emerge with Mindset of an
Entrepreneur.

A Business Mindset does not ask “How much does it Cost?”
The question is “what can I benefit from this Investment

Click on the Video screen below and listen to a few thought on the
development of the Entrepreneur Mindset.




                   Hold Control Button and Click




Page 30 Of 30
Some of the Books that have me continue to channel my
energy with the Correct Mind-Set have been:

          Rich Dad Poor Dad
          a real classic



                Business School really helped me focus
                and realize the Impact we can have on so many, while
                Improving our Growth


          Secrets of the Millionaire Mind is another powerful resource
        not to be Read Once....but many times.




                       Get your Audio copy of the Master Key ,
                       narrated by yours truly, Chuck Bartok. This is a
                       handy way to LISTEN to the REAL Secret written
                       by the Father of the Law of Attraction.




Page 31 Of 30
MORE GOOD READING

                Dr Alan Loy McGinnis has provided easy
                steps to Change Your Mind-set to
                effectively, and how to develop the Law of
                Attraction.




Page 32 Of 30

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Provision Your Ship for Your Voyage to Abundance

  • 1. Beginners Marketing Class Volume One Provision Your Ship Chuck Bartok www.beginnersmarketingclass.com 530-798-0245
  • 2. Introduction For the past 47 Years I have predominately been involved in marketing of Tangibles and Intangibles, using most of the Models available, Direct Response, Direct Mail and MLM Network Marketing and more recently, ventured on Line. I arrived on-line due to a Massive Coronary which left me a bit more sedentary than I was used to, so I bought a computer and started investigating the Business side of the Internet. I was a bit appalled at the wild claims being made and after researching further I realized there WAS and IS a real opportunity for anyone with the same Mind-set as needed for OFF-Line Marketing Success. But as I started to meet people through Forums and Social/Business networks I found very few were making any reasonable return on their Investment of TIME, ENERGY and CAPITAL. The business models and products are, for the most part, legitimate and Work for some......... But what seemed to lacking was the "Detailed Chart", the "Check List and Flight Plan", the "Road Map". Beginners Marketing Class is designed to be a constantly Evolving Resource Community, offering that Detailed Chart on HOW TO develop the Business Mind-set and apply the Mundane Details to a well thought-out Business Plan. These Volumes will offer you a Printed guide, with updates as they filter in from the Resource membership site. The use of Text, Audio, Video and Live Conferencing will be the main delivery Vehicles. Page 2 Of 30
  • 3. This book and subsequent Volumes may be shared with others, and the right to Re-Brand these volumes is granted to all Lifetime Members of Beginners Marketing Class. The Re-branding Option allows this to become a Viral marketing Tool for those Members. Disclaimer While all attempts have been made to verify the information in this publication, neither the Author nor Publisher assumes any responsibility for errors, omissions, or contrary interpretations of the subject matter here in. This publication is not intended as a source of legal or accounting advice. The publisher wants to stress that the information contained herein may be subject to varying national/state/local laws or regulations. All users are advised to retain competent legal counsel to determine what national, state and/or local laws or regulation may apply to the user’s particular business. The Purchaser or Reader of this publication assumes responsibility for the use of these materials and information. Adherence to all applicable laws and regulations, federal, state and local governing professional licensing, business practices, advertising and all other aspects of doing business in the United States or any other jurisdiction is the sole responsibility of the Purchaser or Reader. The Author and Publisher assume no responsibility or liability, whatsoever on the behalf of the Purchaser or Reader of these materials any perceived slights of people or organization are unintentional. Page 3 Of 30
  • 4. Table of Contents Page 2. Introduction Page 5 Chapter 1, The Business Plan, Step 1 Page 16 Chapter 2, Cash Flow, Budget and Capitalization Page 26 Chapter 3, The Mind-set of an Entrepreneur Page 4 Of 30
  • 5. Chapter 1 The Business Plan The Beginning of Provisioning Your Ship How to plan your business Some guidelines for preparing a good business plan are: Before we get into some “meat & potatoes”, we should realize the Two Main reasons a Self-directed Home Based Business person should HAVE and maintain a Business Plan. 1. The United States and other Countries usually require a BUSINESS PLAN, as a requirement to qualify for generous tax Advantages. 2. It gives the entrepreneur a Course to Follow, and since it is written it will always have IMPACT 1. Define your objectives for producing the business plan. Who is going to read the plan and what do you want them to do? The objectives can help you decide how much emphasis to put on various sections of the business plan. If the Plan is “for your Eyes only” and a few associates, the requirements will be different than that developed for Investors or Lenders. BUT defining your Definite Major Purpose, your Mission Statement is most important. Many call this the WHY of business……. You cannot put too much thought into this definition 2. Allocate enough time and resources to thoroughly research your business plan. A business plan is only as good as the research that went into producing it. For example, you will have to do research in order to find out more about your industry, your potential customers, your potential competitors, and your potential sales and costs. Use the Keyword searches in the Search Engines to find out where your market Page 5 Of 30
  • 6. is and what it is they are looking for if your emphasis is in On-Line Marketing 3. Show drafts of your business plan to others. The use of The Master Mind Alliance is critical here. It can be very useful to get feedback on your draft business plan from various people, including both people associated with the business and others. 4. Write your own business plan. One common mistake made by entrepreneurs is to borrow heavily from a sample business plan and simply change the names and some of the numbers. There are two big problems with this approach. First, the emphasis you place on various sections of the business plan must reflect what is important in your particular business. Second, a good business plan should flow together like a good story, with the sections working together to demonstrate why the business will be successful. Business plans which borrow too heavily from other business plans tend to be disjointed, with some sections contradicting others and some key issues left unaddressed. 5. Outline the key points you want to make in each section before you start writing. Review your outline to ensure that your sections are consistent with each other, that there is little duplication, and that all the key issues have been addressed. 6. Make sure your financial projections are believable. For many readers, the financial section is the most important section of the business plan because it identifies your financing needs and shows the profit potential of your business. If you are currently used to earning $50,000 annually, it wouldn’t make sense to project Net Earnings of $500,000 the first Year In addition, a good financial plan will give the reader confidence that you really understand your business. So be sure to test the reasonableness of each of your assumptions. Overly optimistic assumptions or a failure to accurately reflect the full costs of operation can quickly destroy the credibility of your business plan. Page 6 Of 30
  • 7. 7. Do the Executive Summary last. The executive Summary can be the most important section of your business plan because people will read it first and it may be the only section they read. The keys to a good executive summary are that it should be short (2 pages at most), it should highlight what is important in your plan, and it should get the reader excited about your business. Be realistic Don't be optimistic. People reading your plan must see that you have done your research and analysis and you understand your business Show a path to profitability The most important question for anyone investing will be "when do I see a return" Show a strong management team and Master Mind Alliance It is the people in your team who are going to make a success of your company. Decide at the beginning the IMPORTANCE of delegation of work, be ready and budget for “outside” help Recommended Reading: The One Page Business Plan for the Creative Entrepreneur Page 7 Of 30
  • 8. Other Planning Tips Competition Understand your competitors and learn from them. See what they do best and understand why they do it well. Use the well established Search Engine Methods, Keyword analysis, Overture rankings On the key items you believe are vital to your success, rate each of your competitors to see who is the best and where you fit into the picture. But always remember, your BIGGEST competitor many times, is YOU Marketing Plans Who are your main target customers, what are their needs, and how are you going to tell them about your products?. That's marketing. And we will go over EXTENSIVE system, Tools and methods of Marketing On-line and Off-line in this series of Volumes Work out these two questions and you are well on your way to making sales. There are many ways to communicate that are cheap to do from trialing your product free, to emailing your prospects. We will cover the Secrets of Marketing within a realistic Budget further in the Volumes. Added resources for the Business Plan: http://wsj.miniplan.com/ http://www.planware.org/freebusinessplan.htm http://www.planware.org/strategicplanner.htm http://www.planware.org/online.htm Page 8 Of 30
  • 9. The Following is a Template that addresses different Business types. Some of the parameters are not directed to Home-based or Internet network Marketing Businesses. Adjust accordingly. The Help Boxes can be Removed via a Left-Click and Delete Although some of the section below may not seem to fit what we define as Internet marketing Businesses and/or Network marketing, you will be surprised How Thinking The Answers to these questions may allow to have a More Clear DEFINITION OF WHAT YOU want to Accomplish [Enter Business Name Here] Business Plan [Address] Telephone: [Phone Number] Contact: [Your Name] [Date] Page 9 Of 30
  • 10. [Confidentiality Statement] Introduction [Background] Include the general nature of the business, what your product or service is and why it is unique, and why you [Summary of financial needs] believe the business will be successful. What product or service do you provide? What is your competitive advantage? When will the company be formed? What are your company objectives? What is the Executive Summary [Company information] Write the Executive Summary section last! [Market opportunity] What is the expected size and growth rate of your market, your expected market share, and any relevant market trends? Benefits to the Community Economic Development [Describe jobs created by the business] [How will purchases for the business help other local businesses?] [Any additional information] Community Development [How will the company's goods/services help the community?] [Any additional information] Human Development Page 10 Of 30
  • 11. [How will the business help its employees?] [Any additional information] Company Analysis Form of Business Ownership [Will your business be a sole proprietorship, partnership, or corporation? Why?] [Describe any necessary licenses or permits and your plans for obtaining them.] [Will yours be an independent business, a takeover of an existing business, an expansion of an existing business, or a franchise?] [Any additional information] About the Company [If you are taking over or expanding an existing business, describe any relevant history.] [How will the business satisfy customer needs?] [How did you choose and develop the company's products/services, and how are they unique?] [Any additional information] Industry Analysis [In what industry does the business operate?] [Who are the competitors?] [Have any other businesses recently entered or exited the industry?] [How will the business be profitable, and what are the growth opportunities?] [Describe any e-business opportunities.] [Any additional information] Include a résumé for each key person in the Appendix. Management Team [Who are the key members of the business team?] [How will the company be structured?] Include an organizational chart in the Appendix. [How is the team balanced in terms of skills?] [What is the company's management philosophy and culture? What is your leadership style?] [Describe the key management positions and compensation for those positions.] [What other professionals will assist the management team?] [Any additional information] Page 11 Of 30
  • 12. Manufacturing and Operations Plan Location and Space Requirements Include a floor plan in the Appendix. [Where is the planned location?] [Discuss the location's proximity to customers and suppliers.] [Discuss tax rates and zoning requirements for the location.] [Discuss transportation issues.] [Discuss utility costs.] [Will you rent, lease, or purchase the facility?] [Any additional information] Equipment [Will you rent or purchase equipment?] [Any additional information] The next section covers the labor force in depth. This Labor Force section should discuss the labor force as it relates to your location, manufacturing, and operations plans. [Discuss the local labor pool. Is there a sufficient quantity of skilled people to meet the business's needs?] [Discuss wage rates and unionization issues.] [Any additional information] Inventory Control [How will you control quality, inventory, and production?] [Any additional information] Purchasing Requirements [Will you make or purchase component parts to be assembled into the finished product?] Page 12 Of 30
  • 13. [Any additional information] Subcontractors and Suppliers [Who are your potential subcontractors and suppliers?] [Any additional information] Labor Force Labor Requirements [How many employees are needed? Full time or part time?] [What are the job qualifications?] [Will you have written job descriptions?] [What will you pay your employees? How does that compare with the going rate in your region and industry?] [Any additional information] The next section covers the labor force in depth. This section should discuss the labor force as it relates to Selection, Orientation, and your location, manufacturing, and operations plans. Training [Do you have a job application form?] [What criteria will you use in selecting employees?] [What orientation process will there be for new employees?] [How will new employees be trained?] [Any additional information] Evaluation, Policies, and Rules [How will employees be evaluated?] [Will authority be delegated to employees?] [How will you discipline employees?] [What will you do when employees resign?] [Any additional information] Marketing Plan Target Market(s) [What is/are your target market(s) and what common needs can the business satisfy?] Page 13 Of 30
  • 14. [What are the current needs of each target market? Describe the target market in terms of demographic, geographic, psychographic, and product usage characteristics.] [What changes in the target market are anticipated?] [What advantages and disadvantages do you have in meeting the target market’s needs?] [What are the relevant aspects of consumer behavior and product use?] [Any additional information] Environment [What are the competitive, legal, political, economic, technological, and sociocultural factors affecting your marketing efforts?] [Any additional information] Marketing Objectives [Describe your product introduction, improvement, or innovation] [State the market size in dollars and units. Indicate your primary and secondary sources of data and the methods used to estimate total market size and your market share.] [Describe your distribution plans.] [Describe your pricing objectives.] [Describe your advertising and promotion efforts.] Prepare advertising samples for the Appendix. [How will the results of your marketing plan be measured and evaluated?] [Any additional information] Remember, most lenders and investors insist that you Financial Plan submit current financial statements that have been prepared by an independent CPA. Startup and Operating Needs [How much money do you have, and what is the actual amount of money you need to open your business (start-up budget)?] [How much money is needed to keep the business open (operating budget)? Prepare a realistic budget.] [What sources of funding do you anticipate?] [Any additional information] Financial Statements [Prepare an income statement by month for the first year of operation and by quarter for the second and third years.] [Prepare balance sheets for each of the first three years of operation.] Page 14 Of 30
  • 15. [Any additional information] Financial Analysis [Prepare a breakeven analysis. How many units of your products or service will have to be sold to cover your costs?] [Reinforce your final projections by comparing them with industry averages for your chosen industry.] [Any additional information] Exit Strategy [How do you plan to get yourself (and your money) out of the business?] [Do you intend to grow the business to the point of an IPO?] [Do you intend to sell the business?] [How will investors get their money back?] [Any additional information] Critical Risks and Assumptions [What will you do if your market develops either more slowly or more quickly than anticipated?] [How will you react to competitor challenges such as underpricing or the emergence of new products that make yours obsolete?] [How will you react to favorable or unfavorable changes in the industry?] [How will you react if there is a labor shortage or other labor-related issue?] [How will you react if there is an erratic supply of products or raw materials?] [Any additional information] Appendix Include supplemental information, such as an organization chart, résumés of key owners and managers, a floor plan, and advertising samples. Page 15 Of 30
  • 16. Chapter 2 Cash Flow Projection, Budget and Capitalization Cash Flow and Budget Requirements Every Business, be it a “Brick & Mortar”, Off-line Direct Mail, Direct Response, Internet MLM, Affiliate Marketing, or MLM Network Marketing needs to begin with a reasonable CASH FLOW PROJECTION. As you develop the Business Plan of the type of business you want, that Business Plan should SPELL out the Cash flow Income projected, minimally, Quarterly the first two to three years. Of course opposite that is the Expense Projection, including initial start up costs, and monthly re-curing expenses, hopefully on a Increasing Scale…. YES, every successful business is constantly re-investing, to attain the growth and ultimate profitability projected as a Goal in the overall Plan. The Lack of this type of planning is the reason the published Failure Rate is so high. Eager, budding entrepreneurs are constantly succumbing to the glorious rhetoric about unlimited income “with only three Page 16 Of 30
  • 17. recruits”, no “selling needed”, “get of bankruptcy in 60 days”………. Successes are very possible, and some even in a reasonable period of time, but unless you have an un-limited checking account and are willing to willy-nilly pour money into a Pit, it takes conscientious research and planning before you EVEN Write that first Check for the Auto-ship, or purchase the “Program of a Lifetime” The following are some suggested guidelines on the requirements of projected the Cash Flow for a Business you would expect to net $700 a month within 6 months…… I know, you are saying what a ridiculous low amount of Income. My experience has indicated, and the Market bears the truth, the average American Household is only $400 a month away form financial disaster, regardless of Income. And $700 a month represents the income realized from a secure nest-egg of $168,000 earning net 4.5%. How many can put aside that much in a relative short period of Time? Cash Flow projection: These are real figures I used two years ago before starting another Income stream. Expenses and cash flow monthly 9 months monthly MONTHLY EXPENSES MONTHLY INCOME P&L Total 1ST MONTH 1ST MONTH Fixed auto-ship $104.95 2 new clients @ 15% $30.00 postage $52.00 1 auto responder client $17.00 printing $50.00 on-line advertising $75.00 off-line advertising $150.00 total expense month 1 $431.95 $47.00 $384.95 $384.95 2ND MONTH 3 new clients @ 15% $45.00 Fixed auto-ship $104.95 2 clients 1st month $30.00 Page 17 Of 30
  • 18. postage $52.00 2 second level clients $80.00 printing $50.00 Auto responder Income $23.00 Traffic exchange on-line advertising $75.00 Income $10.00 off-line advertising $150.00 total expense month 2 $431.95 $143.00 $288.95 $673.90 3RD MONTH Fixed auto-ship $104.95 4 clients @ 15% $60.00 postage $52.00 4 clients renew $60.00 printing $50.00 5 second level clients $200.00 on-line advertising $75.00 Auto responder Income $43.00 Traffic Exchange off-line advertising $150.00 Income $30.00 total expense month 3 $431.95 $393.00 $38.95 $712.85 4TH MONTH Fixed auto-ship $104.95 4 new clients @ 15% 60 postage $52.00 7 clients renew 105 printing $50.00 12 second level clients 480 on-line advertising $75.00 Auto responder income 60 off-line advertising $150.00 traffic exchange income 45 total expense month 4 $431.95 $585.00 $153.05 $559.80 5TH MONTH Fixed auto-ship $104.95 4 New clients 60 postage $52.00 11 renew 165 printing $50.00 16 second level clients 640 on-line advertising $75.00 Auto responder 78 off-line advertising $150.00 traffic exchange 60 extra affiliate sales 75 total expense month 5 $431.95 $853.00 $421.05 $138.75 6TH MONTH Fixed auto-ship $104.95 4 New clients 60 postage $52.00 13 renew 195 printing $50.00 20 second level 800 on-line advertising $75.00 Auto responder 85 off-line advertising $150.00 traffic exchanges 70 affiliate income 85 $1,040.0 total expense 6 month $431.95 0 $608.05 $469.30 7TH MONTH Page 18 Of 30
  • 19. Fixed auto-ship 168 4 new clients 60 postage 78 16 renew 1st level 240 printing 65 24 second level 960 on-line advertising 85 auto 90 off-line advertising 175 traffic exchanges 85 affiliate income 120 $1,255.0 $1,153.3 total expense month7 $571.00 0 $684.00 0 8TH MONTH Fixed auto-ship 168 6 new clients 90 postage 78 19 renew 285 printing 65 28 second level 1120 on-line advertising 85 Auto responder 100 off-line advertising 175 traffic exchanges 90 affiliate income 150 $1,460.0 $2,042.3 total expenses month 7 $571.00 0 $889.00 0 9TH MONTH Fixed auto-ship 220 7 new clients 105 postage 104 25 renew 375 printing 85 31 second level 1240 on-line advertising 100 Auto responder 106 off-line advertising 220 traffic exchange 100 affiliate income 200 $1,646.0 $2,959.3 total expenses 9th month $729.00 0 $917.00 0 This program is still doing very nicely and the Actual figures actually feel short to the ninth month but exceeded the year end projection. With compensation changes to the better in 2008, I look for this Marketing program to generate a steady $3,000 + net income for the year. It works so well as an ancillary Income program while at the same time providing me with the Quality Leads any business needs so desperately.. The above spread Sheet represents also represents a ONE Hour Day Time commitment Page 19 Of 30
  • 20. Notice that I originally projected increased Expenses as the Business grew. I actually increased expenses a little sooner, with cash flow from some other Funded Proposal Income Streams. This simple lead conversion program continues to propel my “Ship” on its Overall Journey to Abundance Don’t forget to continue to Re-Invest in your Business, or it will wither and die…… Where does the Capital come From? When I first ventured into the marvelous World of Internet Marketing three years ago I was struck by how many people expressed interest in creating Second Incomes, “quitting their Jobs” and “firing their Bosses”, but also said “I have NO MONEY to invest and many, also, went so far as to say ”I don’t Have the time to do that…..” If you have read this Far you realize that Time, Energy and Capital are needed if one expects to enjoy the ultimate FREEDOM afforded to those who have developed self-directed Businesses that allow Residual Income and are affected by the Business “owners” ability to be The Captain of the Ship. IF YOU are serious about being in Business for yourself, and you must be to have read this far, and are short on Investment capital, there are many ways to “find” that extra Money to Invest in Yourself. Page 20 Of 30
  • 21. I have listened to presentations by several MLM and Direct Response Marketing Organizations that PROMOTE using credit on Credit Cards to fund the Programs they Tout…… In my estimation that would be a MOST FOOLISH method of funding a New Enterprise, especially for someone who does not have a history of self-employment. The best business plan, the best budget system, the best product and the most dedicated entrepreneur can experience Squalls and Storms that easily veer one Off Course, but the credit Card Charges and compounding Interest will continue. Since most seeking secondary Income and fulltime Income from “Self-employment” are EMPLOYED at the time; the quickest way to Free UP Capital (for U.S. Citizens) is to increase the number of Dependents on their W-9. For further Information download the following E-Book and study it carefully www.beginnersmarketingclass.com/savetaxes.pdf QUICK DISCUSSION ABOUT TAX ADVANTAGES Fact: There is not one question on the CPA exam related to Home based business taxes. Result: What your tax pro doesn’t know could hurt you! As a home-based business owner you are entitled to numerous tax Savings for simply doing what you love, building your business. You may think that these savings are meaningless or maybe don’t apply to you because you’re not a “Big Business Builder” but that mentality is loosing you money! Page 21 Of 30
  • 22. People just like you around the Nation are saving on average $9,925 on their taxes annually! Did you save that much on your taxes last year? If not, WHY? Below is a graph from the Government Accounting Office that shows the average savings from the most common deductions. $6,100 Car & Truck Expenses $2,100 Utilities $3,000 Supplies Not office $1,300 Office Supplies $700 Legal Services $1,600 Insurance $4,300 Depreciation $1,000 Taxes $1,000 Meals & Entertainment $1,600 Advertising $2,200 Repairs $2,300 Travel $6,400 Rent on Business Property $3,000 Home Office $3,100 Rent on Equipment These will vary for the individual, but everyone must be sure they are eligible for these Benefits by keeping accurate records. I have found that 10 minutes daily is all that is needed to keep your Tax File Up-to-date, especially using the Innovative Tax Filing Software available below GET Your copy of MLM Tax helper today. www.mlmtaxhelper.com/g.o/th2w Page 22 Of 30
  • 23. Some side notes on Budgets: 1. This won’t make me popular with MLM Leaders, but I suggest to my associates to start off with the lowest possible Auto-ship to qualify for Income. Your business will grow ONLY if you advertise Yourself and your Product through normal media Channels and YOU are available to travel. Instead of spending $200-300 on Auto-ship, if you can start with $100 and spend the remaining capital on GROWTH, you will be able to increase your purchases quickly and take advantage of incentives usually offered. But you MUST have enough operating Capital to stay the Course. It takes TIME ENERGY And Capital to Grow a Successful Business. 2. Don’t be afraid to invest in TOOLS and SYSTEMS that have proved to be efficient and offer a good ROI (return on investment) 3. Budgets are plans made to be Flexible, but before you jump to changes, discuss with your Master Mind Alliance and get their Input. OTHER AREAS OF INVESTMENT CAPITAL ACCUMULATION: Besides the Increase Take Home Pay available by changing your Deduction levels, there are many other areas to shift current available cash to YOUR Prime directive and that is the Growth of Your Business. Page 23 Of 30
  • 24. Contrary to the opinion of some ridiculous Advertisements On-Line, building a Business is EASY, if Sacrifice. Planning and Desire are applied. Most who begin this Exciting Voyage are not used to SACRIFICE or find it difficult to adjust from an EMPLOYEE Mind-set to an ENTRPRENEURIAL Mind-set. History has proved the Successes, we hear about, were obtained by applying the above principles, especially the ability to Sacrifice Today for results Tomorrow. Here are some Cash Finding Ideas to FUND Your DREAM: 3. Since watching TV has never really earned many people much Money, consider cutting out Cable/Satellite expense for 6 months. According to statistics, that decision could generate $50 month or more. Your family may scream, but they will appreciate your end Result later, Much More! 4. If you are currently employed in occupations that allow a regular Lunch break, seriously consider Brown-bagging lunch for 6 months. This Habit change could easily yield a net Capital saving for business investment of $150 month or more. 5. What is in the basement, attic and in closets that you desperately needed, used once and probably won’t again? These “treasures” are ASSETS of No Value, where they are. Have a Yard Sale, go to Flea Markets, and convert those things into CASH for the Growth and Expansion of your Business. That is your Passion. (NOTE on Flea markets: I regularly attend these wonderful prospecting venues and not only “sell” Page 24 Of 30
  • 25. my wares, but I have met new people and formed Powerful Network Marketing relationships there. After all, who goes there? Entrepreneurs and Value Minded people.) 6. What are you driving to and from Work? Are you renting your car? I have always considered a vehicle as a means of Transportation and have enjoyed ownership of modest autos and Trucks that did their job and kept my CASH where it belonged, in my possession to be invested in my businesses as seen fit for Return on Investment. Get rid of your leases and payments if possible, buy a functional vehicle and put the difference in YOU BUSINESS. Then set aside a Fund for replacement and PAY Cash for that Dream Vehicle when your business is enjoying PURE Profit for an extended period. (Side Note: according to statistics, the average REAL millionaire in America is driving a PAID FOR 5 year old or Older Car) How many of you are shaking your heads and think I am crazy? Well you are partially right. I am crazy for having the burning desire to enjoy TRUE FREEDOM, do what I enjoy doing everyday, and developing a position of Wealth, only afforded to those who are in CONTROL of their Lives and Incomes… BEING A SUCESSFUL SELF-DIRECTED BUSINESS PERSON is in YOUR Grasp, if you can develop the Mind-set and create Habits allowing the THOUGHTS to flow and Massive Action to allow your Voyage to Abundance to be as smooth as possible. If you don’t already have a Copy of two of the Best Guides to Conceiving, Planning and Implementing YOUR Business, get these two Books and STUDY them, don’t just Read them. Page 25 Of 30
  • 26. Think & Grow Rich www.think2growrich.info The Master Key www.beginnersmarketingclass.com/masterkey/html Page 26 Of 30
  • 27. Chapter 3 The Business Mind-Set Why do some people take immediately to the Lifestyle and work ethic associated to Being In Business? What Magical Powers do they possess? Usually it is the simple result of MIND-SET change. Going back to the mind of a child, in some ways, before being contaminated by Social Pressures. Observe Children. Think back to your Youth, when the imagination carried you to fantasic places, you were the Super-hero. You belived in Santa Claus.... But then Society crept in and started to re-direct and in most cases squash the Imagination by constant barrage of Negativity. We allowed ourselves to be programmed, to fall lock step into a "responsible, productive member of the work-force". We are directed to go to school, digest the spoon fed pap and go out and SECURE a position. Before you jump all over me and think I am anti-social, I declare, YES I am. I was blessed at an early age to be taught and guided by teachers and parents who allowed the Fantasies to Flow. My father, who came to this country with My Grandparents to EXPAND their Minds in a FREEDOM loving environment, left me simple thoughts..... Page 27 Of 30
  • 28. "Do whatever you want, gather the knowledge and … work … like … hell. Always treat others as you want to be treated and don't CHASE money, let it Find you." Steve Bartok 1918-2007 I was pointed to and enjoyed Reading, especially about DOERS, Can-Do people who, in most cases how they overcame odds and realized their Dreams. In 1960, as a freshman in college I was introduced to the TWO Books offered in the previous Chapter........ I you haven't already, Download these two and STUDY them, don't just Read them..... Instead, make them part of your THOUGHT Process They were so SIMPLE to understand and I was able to take in the THOUGHT process they presented. I realized I could do whatever I set MY MIND TO DO. The Real Secret? Nothing more than this: THINKING as an entrepreneur. Don't operate with an employee mentality. If you settle for Providing your service for direct compensation dictated by another, you will not be able to Break Out and enjoy being in Control of both your Lifestyle and your Financial Independence. On page 36-37 in Think and Grow Rich, Napoleon Hill spells out the simple six steps to "achieve all that you can conceive" Page 28 Of 30
  • 29. We THINK ourselves to WHO we want to be, and Plan the method and then Apply Massive Action........ Modern authors have based their works on the tradition of MIND-Set Development brought forth in The Book of Proverbs, The Science of Getting Rich , The Master Key and Think & Grow Rich. Page 29 Of 30
  • 30. In order to truly enjoy the Excitement, Frustrations and Rewards of being involved in Self-Directed Business a person Needs to throw off the usual Mindset of an Employee and emerge with Mindset of an Entrepreneur. A Business Mindset does not ask “How much does it Cost?” The question is “what can I benefit from this Investment Click on the Video screen below and listen to a few thought on the development of the Entrepreneur Mindset. Hold Control Button and Click Page 30 Of 30
  • 31. Some of the Books that have me continue to channel my energy with the Correct Mind-Set have been: Rich Dad Poor Dad a real classic Business School really helped me focus and realize the Impact we can have on so many, while Improving our Growth Secrets of the Millionaire Mind is another powerful resource not to be Read Once....but many times. Get your Audio copy of the Master Key , narrated by yours truly, Chuck Bartok. This is a handy way to LISTEN to the REAL Secret written by the Father of the Law of Attraction. Page 31 Of 30
  • 32. MORE GOOD READING Dr Alan Loy McGinnis has provided easy steps to Change Your Mind-set to effectively, and how to develop the Law of Attraction. Page 32 Of 30