Coloring to Heal on Stress and Depression

THE HEALING POWER OF ART

Art may not be able to cure disease, but it can surely make coping with it a lot better. Researchers have acknowledged the therapeutic qualities of art for years, and today, art therapy is used to help people express themselves when what they’re feeling is too difficult to put into words 

Research shows this form of therapy often has tangible results. One 2006 study, for example, found that mindfulness art therapy for women with depression  helped to significantly decrease symptoms of physical and emotional distress during treatment. Another study from the same year concluded that after only one hour of art therapy, patients of all ages “overwhelmingly expressed comfort” and a desire to continue with the therapy.

Coloring used to be reserved for children and the occasional adult who got to babysit them, but recently, the activity has found a different demographic. What started as a niche hobby has now turned into an international trend, as adult coloring books find themselves on more and more bestsellers’ lists throughout the world. However, while this trend may be a fun way to pass the time

Engaging in the arts is well known to have significantly positive impacts on health. Arts therapy has been used clinically for more than a century as a way of improving people’s physical and emotional well-being in the face of a variety of diagnoses, including cancer, asthma, diabetes, depression and anxiety, and dementia, among others.

“With art therapy, you are trying to get people back into their bodies and feelings by engaging them with materials and in the process of using those materials

Coloring is therapeutic in a similar way: “You are playing, focused on what you’re doing, lost in the flow.” The concentration and focused attention helps brings those engaged in the activity into the present 

“Visualizing and creating, on both conscious and subconscious levels

For those glued to screens for hours every day, coloring can feed the urge to engage in an activity that is perceived as real and concrete, rather than virtual. There is emerging research that putting pen to paper extends benefits that typing and texting do not.  

            Pusheen Coloring Book

 

Coloring is inherently directed and restrictive and is, therefore, much more accessible to everyone. But, she says, “I would love it if coloring ultimately becomes a pathway to using your own materials, and visualizing and creating your own images. In my experience, that is where the power is. And that is where the healing is.” 

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How To Manage Home Business Cash Flow

There's something you can never afford to forget when you are running a business out of your home -- cash is king!

Whether it is a multi-billion dollar empire, such as Bill Gates' Microsoft, or the tiny mom-and-pop convenience store on the street corner, cash is the lifeblood of the business.

In today's uncertain economy with ever rising interest rates, many small businesses with limited financial training are having problems staying alive, let alone prospering.  In fact, 63% of new businesses don't survive six years -- and most work-at-home people fail within 6 months!

The primary reason is bad cash management.  To many self-employed people neglect their cash flow until it is too late to recover.  Suddenly, presto! it 's back to your office job!  We don't want that to happen.

So the big question is: will you be able to manage your cash flow effectively?  If you are not sure, then you are on shaky ground.

Les Masonson, author of Cash, Cash, Cash: The Three Principles of BusinessSurvival and Success, says cash flow is all about, "getting the money from customers sooner, paying bills at the last possible moment, concentrating money to a single bank account, managing accounts payable, accounts receivable and inventory more effectively, and squeezing every penny out of your daily business."

Let's break down Masonson's tips one at a time.

FAST COLLECTION

DEPOSIT CHECKS FAST!

HAVE A SUPER TIGHT ACCOUNTS

RECEIVABLE POLICY

DISBURSE YOUR MONEY SLOWLY

NO EXTRA MONEY IN YOUR BANK ACCOUNT

GET AN ACCOUNT ANALYSIS STATEMENT

INVENTORY IS NOT CASH

DON'T FORGET CONTINUITY SALES

LICENSING AGREEMENTS

Home Business Start-Up Information Manual

America is coming home to work. Home-based offices are becoming the wave of the future. Tens of thousands of workers are opting for this way of life, a life in which they can make their own hours, commute to work in seconds, make their own choices and become their own bosses.

For  many the home office is becoming the location for a full-time job and the primary source of income. For others it is a part-time venture. Many start on a part-time basis and grow their business into a full-time operation.

Current figures available indicate that during 1991 the percentage of self-employed working from home jumped by almost 6% to approximately 12 million. While working at home has an almost irresistible appeal to many, and many have some big misconceptions of what it is like, here is some very useful information that can help you get started successfully.

Legalities of Working at Home

Zoning

Before setting up your new business it would be advisable to check on the legal status of your business. You need to check zoning laws for your community which may dictate if you can legally operate a business from home. We realize that many businesses never check on zoning for their home-based business and chances that they ever get into difficulties with the law are probably pretty slim.

If there are no changes in structure and you do not have customers and or employees enter your home, regulations will tend to be far more easy. Laws and regulations change from community to community, but the following 5 factors will generally be regulated items:

1. Separate business and private entrances.

2. Square footage of the home which is taken up by commercial space.

3. Employees working in the home.

4. Certain occupations such as jewlry or clothing

5. Storage of commercial goods, especially any hazardous materials.

Here is an important suggestion: keep relations with your neighbors on a friendly basis. Your neighbors will soon become aware that you are working at home. Some may even be envious, and yes, unfortunately zoning authorities will generally become aware of home office zoning infractions through a "friendly neighbor".

Business License

Most cities or counties require businesses to be licensed. Some home-operated businesses, however, are not required to have a business license. Check with your local City or County Clerks Office to obtain regulations for your locality.

D.B.A. Registration

If you are using your own name as your business name it will not need to be registered, but if you use any other name, or even your abbreviated name, almost all localities require that you register the name. This is called a fictitious name registration or D.B.A. "Doing Business As" registration. If your name is:

Randy M Jones and you name your business Randy Jones or Randy M Jones Enterprise you will not have to register it, but if you call it: RMJ Enterprises you will generally have to register the name.

Most states have a name search bureau which is a part of the state government. You will generally be able to call this office to see if a given name has already been registered to someone else in the state. This is important to do, or it could be costly later. If you give your business a name which is already registered to another company, the other company may demand, and even take legal action to make sure you comply, that you cease to use the name.

Your Company as a Legal Entity

Businesses are most commonly set-up as one of the following entities:

• The Sole Proprietorship
• Incorporation
• Partnership

Most new businesses choose the Sole Proprietorship. It is the least complicated. It requires no paperwork. The proprietor you, or you and your spouse as the owner, or owners, are taxed for all net profit from your business. You add the income of the business to other income, or deduct the business loss from other income. Your tax adviser can give you specific information.

The disadvantage of the Sole Proprietorship is that as the owner you can be held fully liable in a lawsuit. An incorporation, on the other hand, will give you some protection. In this case the "INC" rather than you is the legal business entity. If you are starting a business that tends to have liability exposure the corporation may be the way to go. In this and other legal questions, only your attorney can give you competent legal advice.

Partnerships are generally chosen when unrelated individuals own a business. A partnership should be set up by an attorney, or all kinds of problems can develop later.

Designing Your Work-space

First, you must determine how much space you need. Chances are what you may initially think is quite large may be crowed or not enough space. While many businesses are started from a corner of the bedroom or kitchen, if the space is available it would be far better idea to take a spare area of the house and convert it  it into your office. There may be space in the basement, garage, or a spare bedroom. Having a separate space is more efficient and will make for maximum efficiency. It is also psychologically important. You do not want home activities to interfere with your business, or vice versa.

Friends and family will need to be told politely firmly that business hours mean business and dropping in, or calling to chit chat is not acceptable. Psychologists suggest that you work "from" home not just in your home. There is a danger of becoming isolated. Inasmuch as time allows, participate in seminars and local business activities and organizations.

Financial Planning

It is said and also my own personal experience that owners of new businesses never have enough time or money. The majority of small businesses which do not succeed will fail because they are not properly financed. n your financial planning carefully review all required start-up expenses as well as on-going expenses before revenue will be generated.

Estimate your profit margins and all fixed and controlled expenses. Almost all entrepreneurs will tend to be much more optimistic about their estimate of the financial performance of a business taken what is necessarily realistic. There are always unforeseen expenses.

It is a good idea to only invest in absolutely necessary expenses. This applies to furnishings, supplies and all equipment. Computer equipment in recent years has become outdated within a short period of time. So, if what you acquire will serve you well for 2-3 years will be able to upgrade your equipment later on. Your emphasis should be on conserving capital. As your business develops, unexpected hurdles will come along and periods of low revenue. Your capital will make it possible to keep your business operating during these times.


Why Should You Have A Business Plan?

While writing a business plan can be made into a highly sophisticated undertaking especially by large corporations, its easy to do when done for a new or small owner operated-business. Essentially, you will be committing your plan to paper. As you do so your thought will become more formal and concrete and this will tremendously assist you in the development of your business. If you are considering to obtain financing for your new business either through a bank or the SBA, a formal business plan will be a necessity. Home-operated businesses will have a much more difficult time in obtaining financing.

Don't Forget Uncle Sam

As in all undertakings of life from birth to death and beyond, the IRS will be there to watch over you. Almost all small, home-based businesses will start out as "Sole Proprietorship." This legal status is best for ease of handling and for tax benefits. Your net business income or loss becomes an addition or deduction to other income declare at the end of the year. Careful record-keeping of all business revenue and expenses is a must. Keep a separate business checking amount for your business. Do not intermingle business and personal expenses. Other special tax benefits and regulations apply to home-operated businesses. You should obtain professional advise from your tax adviser.

Free Publications available:

• "Record-Keeping For A Small Business" IRS publication 583. Call the IRS 1-800-829-3676.
• "Business Use Of Your Home" can also be obtained free from the IRS.
• "Tax Guide For Small Business" is an annual IRS publication #334. It is also free.

Insurance

One disadvantage of being self-employed is not having health and disabilty insurance. You may also need liability insurance. Your homeowners insurance covers your belongings in your home, but itmay not cover all business inventory and equipment. Check with your insurance agent to make sure you have the right coverage.

Factors that will Determine Your Success

Do Your Homework

The more you know about your business, the better your chances of success. Attend seminars and join trade associations. Read books and trade publications. If you do not have a business background a business introductory class at a local college would be advisable.
Planning is Key to Your Success

You and your family's future and livelihood is at stake. So your decision and planning to start a business are very serious matter. Establish a long range plan which encompasses your business and financial plans. You should obtain legal or financial advice from an attorney or accountant before committing to nay long range or major financial transactions. Agreements with suppliers or customers should be put into writing.

You Must Wear Many Hats

Small business owners over time can become experts on a variety of subjects. At the start the most important aspect is the mind-set. Your communication to the rest of the world through all available means will determine your success. here is an abbreviated marketing check list:

• Telephone equipment
• Promotional Material
• Advertising (Don't forge the Yellow Pages)
• Stationery
• Direct Mail
• Membership in Organizations
• Direct Sales

Invest in Good Equipment

The right equipment will make your work easier and your business more efficient. To conserve cash used equipment should also be considered.

So What Are Your Chances?

The better you think they are the better they generally are, and don't forget that among thousands of others:

Apple Computer, Domino's Pizza, and Walt Disney all started as home-based businesses.

HOME BUSINESS GUIDE TO EASY MONEY

Because tens of thousands of people all across America want to know how they can work at home and earn enough money to run a household, there is a special need for this report. Today the need for women to work out of the home is stronger than ever. According to recent surveys, almost 70% are married and contribute up to 50% and more to the family income. Because family responsibilities play such an important part in the lives of men and women, millions of individuals and couples are seeking ways to make money at home.

In the past decade money-making, home-based opportunities that match a person's skills, interests, abilities, and ingenuity have become almost limitless. This purpose of this report is to show you that it's simple and easy to join the ranks of success-minded people by choosing a work-at-home program that suits your interest and needs.

Business histories have shown over and over again that the rewards and advantages of working at home can go far beyond a person's wildest dreams. In fact, it's perfectly possible to launch a small business in your garage, backyard, basement, or a room in your home, and become a giant corporation.

Your first step will be to study the company listings in this report, and then contact those that interest you. It's possible you may not be interested in many of those listed in this brief report. But others may serve as that great motivator that makes you look further with a renewed determination. Once you develop that mind-set, persistence will follow and then nothing will stop you from achieving your goals.

BECOME A GOAL SETTER!

If you expect any level of success you must set goals. If you expect to be successful, you must determine what that means to you and the best way to achieve it. There are two basic steps you can take to covert goals into achievement: 1) You can decide on a specific dollar amount; and 2) You can set a time frame for obtaining the dollar amount you want. Your goal should be specific and indicate, What, When, Where. After making a list of every possible way you might accomplish a goal, select the method that best suits your situation.

IMPORTANT CONSIDERATIONSYOU MUST ASK YOURSELF

1) "How can I support my family while I build up my business?"

This question must be worked out according to each individual's circumstances. Many people start out on a part-time basis after their regular jobs to see how much they can handle. Then when their incomes reach a certain level they will switch over and go full time.

2) What are my abilities?

To determine your abilities you will have to take an inventory of yourself. Decide what you enjoy doing the most and what your "feel" you would be good at. Examine every possibility and include every skill you have no matter how slight.

3) Is there a market for the product or service I have chosen?

Be cautious before you invest any money! Check it out by making inquiries directly to the company, competitors, or firms who are marketing a product similar to the one you are interested in. Test it on a small scale. Check it thoroughly.

4) How long will it take this business to reach the financial goal I must have?

It's really a question of knowing how much time you can dedicate to your business, and what your profits are for that time. From there, a simple addition will tell you how long it might take to reach a particular financial goal.

SUCCESS IS HAVING THECOURAGE TO BEGIN!

Starting a business at home is an economical way to start a small business that can easily grow into to a larger one. Many entrepreneurs have proven that you don't need a huge manufacturing plant to develop a successful business. Some of the most successful businesses in existence today started in a spare room or garage. It isn't how you start out that is important. What really matters is did you have the courage to begin.

SELECTING THE RIGHT PRODUCT OR SERVICE

Take a close look at your interests and abilities, and then decide what type of marketing you want to do. For example, do you want to sell directly to people; or would you prefer selling wholesale to retail outlets? If you prefer doing piecework or assembling items for manufacturers, make certain it's something you enjoy working with. If you enjoy one-on-one sales, then test the product out on your friends, relative, neighbors. The object is to find out what has the most appeal.

DEVELOP A GOOD MARKETINGTECHNIQUE

A good marketing techniques is one part of the business plan that is absolutely essential to it's success. In fact, the ability to properly market a product or service is actually more important than the product itself. Even an inferior product can be a financial success if marketed properly. Seek out the advice of everyone in your field. Explain your needs and ask them questions. Experience is the best teacher. With good advice and a salable product, you should be able to develop a winning marketing plan.

FINANCING YOUR HOME-BASED VENTURE

The first place to look for financing is right at home. Take an inventory of items you don't need and have a garage sale. Most people are pleasantly surprised at how much cash can be raised in a single weekend. Next, turn to members of your family or close friends who have faith in you and want to see you succeed. Offer to repay them through profit-sharing. Go to individuals in  your community who and believe in your personal worth.

If you have a good credit history your banker should consider you a good financial risk. Two other excellent sources would be your local Small Business Administration (SBA) and Chamber of Commerce. SBA has low interest loans available for qualified applicants and your Chamber of Commerce can assist you with referrals and other helpful information.

WORK-AT-HOME OPPORTUNITIES ARE EVERYWHERE!

Anyone who is serious about work-at-home opportunities need only look around them. There are thousands of options everywhere! There are employment opportunities that involve becoming an independent contractor; working on a commission basis; working for a salary; freelancing for pay; getting paid by the hour, receiving pay for each piece assembled; getting paid by the project, or a combination of any of the above. No doubt, what you finally decide on will depend on your particular needs and interests.

Don't become discouraged if the company you contact isn't hiring right at the moment. Often circumstances change rapidly. Use you imagination to convince an employer there are great advantaged to giving you work! Be a self-motivator and continue moving forward towards the goals you want and deserve.

Do it starting NOW!

21 STEPS TO HOME BUSINESS SUCCESS

All around the country, people who want more control over their lives are starting home businesses.  In New Orleans, Rick Hart's home based cajun Cargo ships seafood nation wide. In Palatine, Illinois, Stephaine Heavey works from home designing and selling original patterns for fabric dolls. And in Dallas, Lisa McElya published the Dallas Party & Event Planners Guidebook from the entire first floor of her two-story home.

These three people are living the new American dream of owning a business, but avoiding the high overhead and start-up costs of a commercial location. If the idea of working from home is appealing, but you don't know where to begin, here is a step-by-step guide.

STEP #1 DECIDE WHAT PART OF THE HOUSE TO USE

STEP #2 DETERMINE HOW MUCH TIME YOU CAN SPEND ON THE BUSINESS

STEP #3 DECIDE ON THE TYPE OF BUSINESS

STEP #4 CHOOSE A LEGAL FORM

STEP #5 DETERMINE WHERE THE MONEY WILL COME FROM

STEP #6 GATHER INFORMATION

STEP #7 CHECK ON ZONING RESTRICTIONS

STEP #8 PICK A BUSINESS NAME AND REGISTER IT

STEP #9 WRITE A BUSINESS PLAN

STEP #10 GET AN IDENTIFYING NUMBER

STEP #11 OBTAIN A SALES TAX PERMIT

STEP #12 OBTAIN LICENSES & PERMITS

STEP #13 SELECT BUSINESS CARDS, STATIONERY, BROCHURES

STEP #14 OPEN A BUSINESS CHECKING ACCOUNT

STEP #15 SET UP RECORD-KEEPING SYSTEMS

STEP #16 CHECK IRS REQUIREMENTS

STEP #17 OUTFIT THE BUSINESS

STEP #18 DECIDE ON TELEPHONE REQUIREMENTS

STEP #19 CHECK OUT THE POST OFFICE & UPS

STEP #20 PURCHASE THE NECESSARY INSURANCE

STEP #21 ORGANIZE THE HOUSE & YOURSELF

HOW TO START YOUR OWN TELEPHONE CANVASSING SERVICE

Telephone canvassing is the business of calling people on behalf of a client to obtain and/or disseminate information.

It is valuable service that can be difficult for business men in your area to obtain elsewhere. Large cities have their "boiler room" operations that employ commissioned based telephone solicitors and pollers.

They use a bank outgoing Wats (800) lines to call potential prospects all over the country and try to "qualify" them as leads. Their products include TV viewing polls, magazine subscriptions, office products, polls, real estate, investments and specialized sales of all description.

Canvassing by phone is a viable alternative to other forms, such as door to door or canvassing by mail. It is relatively inexpensive (compared to door to door) and has the advantage of immediate response.

Some companies use computers to call, present a short recorded message and ask if a salesman can call back later (these machines sell in the $1,000 range and up).

However, some 70 percent of people who receive such calls dislike being called by a computer and will not corporate; many hang up the moment they realize WHAT they are "talking to."

Nevertheless, the business of selling, polling and developing leads by phone canvassing is here to stay!

Starting your own phone canvassing business to obtain leads requires a relatively small investment and is not difficult.

A telephone and some "leg work" is all it takes to begin.

Work out your plan, and have some brochures or flyers printed and start contacting businesses that sell.

Call them first and if they show any interest send them a brochure.

Explain to prospective clients that they don't pay for the calls -- only actual appointments or leads that you get for them.

This way, the canvassing costs the customer nothing. He won't mind paying for a qualified prospect (either a fee per appointment or percentage of the sale), because he will make a profit in the process.

Your fees can be a set fee per appointment or lead, the actual amount being governed by the size of the sale

A lead for a possible $100 sale might be worth $2, but one for $1000 should be worth a good deal more.. The alternatives is to be paid a percentage of each sale that is made to names you have provided.

Consider this alternative only when you are confident your client will be honest with you.

Polls and questionnaires are usually priced by the number of successful records obtained and/or the amount of call made and amount of information recorded. Calculate your charges on the amount of time it will take you to accomplish the assignment.

Your profit margin, by the way, will increase as you become more proficient and make more successful calls.

When you reach an agreement with a client to do telephone canvassing, put it in writing -- a contract.

Write out what you consider to be a fair contract in general terms, then have a lawyer look it over (his fee will be half of what it would cost to have him write if from the beginning).

The contract should state that you agree to make a certain number of calls to people's homes ( or businesses) located in a stated area, and that a list of those who meet certain qualifications will be provided daily (or?).

The client agrees to pay a fee for each name, each sale, or a percentage of each sale for all sales made to names on the list for a period of (one year) after the termination of the contract.

In your discussions with the client, he will state what he considers to be proper qualification -- things like, do they own their home; can they afford to make payments on a washing machine, and if they are currently employed.

Both you and the client should agree on what would be fair qualification for the type products involved.

For percentage sales, the contract should state that any additional sales for an agreed period in the future are also subject to the percentage.

This clause is your protection against seller fraud -- honest clients will not mind paying you your earned percentage. Spot check phone calls can be used to detect any sales for which you are not paid.

Once your telephone canvassing business has been established, the same clients should be apprised of any additional capabilities you acquire. Place ads, send out brochures or CALL potential clients.

Contact opinion poll companies, mailing list companies and don't forget to contact both party headquarters about 6 weeks before election time!

The step from telephone canvassing to telephone sales is a short one that requires essentially the same equipment and know-how.

Sales can be more profitable than canvassing because each sale results in a profit for the client and a commission for the telephone sales person.

The actual profit depends on the price of the merchandise, sales volume, popularity, sales presentation and incentive (commission). Another lucrative variation is to sell your own items by phone.

A good way to start would be to find a product that does not compete with any of your present accounts but might appeal to those you call. In this situation, you would bring up your own product until you had satisfied your client's interest.

Records keeping in this business is the same as other businesses, except that you should keep separate records of each client and copies of all names referred to that client, as well as all financial details. And, the major warning is to keep your word. If you say you will call 100 names a day, DO IT!

When you agree to do something for a client, you are OBLIGATED to fulfill that promise. If you are tempted to take short-cuts, remember that it is the success of your business that you may be placing in jeopardy.