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Millionaire Kids Ezine, Issue #017 -- How a Mom Started a Business In Her Spare Time
July 18, 2008

Home Business Queen

I was the only one in my group of friends whose mom worked full time.

My mom started delivering papers when she was only 10 years old - and did so for 5 years. She gave my grandma $5 dollars a week to help pay for food for her and her four siblings.

My grandpa was a flaming alcoholic so most of the food budget was blown on liquor.

Then when she turned 16, she worked in the library as an assistant, and then a secretary for the St. Paul Police and Fire Department.

She retired from the fire department after working a whopping 38 years!

My mom worked because she never, ever wanted to go to bed hungry again, or have to worry about not having enough food for her family.

So it never occured to me growing up that I would be a stay-at-home mom.


My First Daughter Was Born

It's hard to explain the love you have when you have your first baby.

I remember the first time Rachel smiled up at me from her crib after waking up from a nap.

It melted my heart.

It was really hard going back to work as an accountant after maternity leave of 6 weeks. But luckily, my sister did daycare for me.

But I still wanted to be home to raise my own baby girl.

That was when I first started thinking seriously about starting...

My Own Home Business

As a working mom, daycare was always a tough issue. Especially when your kids are sick.

You feel like the biggest heel taking them to daycare when they aren't feeling well.

I came up with the idea of providing in-your-home daycare. It's like having a nanny, but she doesn't live with you.

So Home Sweet Home Daycare, Inc. was born. I hired about a dozen nannies, did background checks on them, trained them, and sent them to provide daycare in clients' homes.

It was hugely successful...and I was able to work from my own home and be with Rachel...and soon afterward my second child, Tony.

But it was really stressful managing twelve, moody, 20 somethings!

And payroll taxes were taking a BIG bite out of profits.

So I decided to sell Home Sweet Home Daycare and take a home course on...

Electronic Medical Billing

In a few short weeks, I was able to learn all there was about filing medical claims electronically from my home computer.

I cold called and knocked on doors to come up with a handful of clients. I processed claims for a medical equipment supplier, a hearing clinic, and two chiropractors.

It was great money - but boring work.

But the important thing was being able to stay at home and work around the kids naps.

Plus, #3 baby Matthew was born...and #4 Maria a short time later - just over a year!

Whew, life was moving at breakneck speed!

Have You Ever Thought About Starting Your Own Home Business?

So you can be home with your kids? Or to skip the long commute and traffic jams?

And let's not forget the gouging cost of gas these days.

Most of you have probably dreamed about leaving the rat race to start your own business.

So what’s stopping you?

The most common reason I hear is... “I don’t know what type of business to start”,

or “I don’t have any special skills”,

or the infamous…

“I can’t afford it – I need the steady income.”

Well, here’s how Candi Carter, a young, busy mom...

Started Her Own Business While Still Holding Down Her Day Job As a Producer in Chicago, Illinois.

Candi has been married for eight years and is blessed with a charming 5-year-old son. Emerson is the joy of her life and the inspiration behind starting her 2-year-old company, “It’s Hip Hop Baby!”

You see, Emerson struggles with delayed speech and she wanted to find a way to unlock his brilliance. And music quickly became the key. Music was helping him learn – and learn faster.

According to Dr. Lisa Thornton, MD, pediatrician and Host of “Health Corner” on Lifetime Television, music and rhyme are two of the most effective ways to teach and reinforce new ideas to children.

And what’s more fun than learning and dancing at the same time?!

“It’s Hip Hop Baby!”

“It’s Hip Hop Baby!” produces multi-racial, educational music videos to help kids learn basic developmental concepts...

like how to count...

the alphabet...

shapes and colors...

Plus much more.

And to make it really fun, she uses the catchy beat of popular hip hop music.

Three more DVDs will be released later this fall:

Things We Do Every Day

Get Healthy Get Fit

and Rockin' Dance Party

You can take a peek at them at www.itshiphopbaby, or purchase them at, and in specialty toy stores.

The DVD is only 23 minutes long and “kids and parents just love it!” It even won an iParenting award in 2007, a sort of educational toy watchdog organization.

And if that isn’t enough…the handsome Justin Chamber from the hit show “Gray’s Anatomy” bought the DVD for his own children!

Pretty impressive for a busy, working mom, eh?

A Strong Work Ethic

One of the most important values Candi learned from her parents growing up is a strong work ethic. She remembers raking for an entire afternoon – for about 5 hours straight! Not to mention helping out with the dishes and laundry.

She believes that kids (and adults too!) should use what they’ve learned to make the world a better place. Either with their time, talents, or treasure.

And that’s exactly what Candi is doing with “It’s Hip Hop Baby!”

She’s using her producing experience to create fun, hip hop music videos to unleash the brilliance in all children.

No matter where they are at developmentally.

So what’s your inspiration for starting your own side business?

Random Acts of Tithing

Just for the fun of it...

The next time you're waiting in line at...

the grocery store...

the post office...

or a fast food restaurant...

Step aside and let the person behind you go ahead of you.

You'll be SURE to make someone's day!

Profitable Investment Idea:

Have you ever heard of the "Nifty Fifty"stocks?

Let me explain.

The "Nifty Fifty" stocks are the Disney and Coke stocks of the world. These are businesses you're certain will still be around in 25 years.

If you would have invested in these stocks from 1994 to March 2000, you would have made four and a half times your money.

During the same time period, regular stocks "only" doubled.

Well, the Cokes and Disneys of the world are right now significantly cheaper than the average stock.

And in my opinion, (remember, I'm an avid investor - NOT a licensed stock broker), they're ready to soar again.

Plus, your kids know and love these stocks! Check out the stock price here...

A Quote I Like...

By Suzi Lee (a dear friend of mine)

"You can have everything you've ever dreamed of...just not all at the same time."

This was the advice my friend gave me when I was struggling with whether to be a career mom or a stay-at-home-and-work mom.

I've used her advice many times.

Just last week, I gave my niece this advice who has a beautiful, 8 month old baby girl.

It's Good to Know...Financial Terms For Kids

1) Written order to a bank to pay money

2) To put money into your bank account (plural)

3) 1 cent

Answers: check, deposits, penny

Do You Know Whose Picture Is On...

A Quarter?

Answer: Washington

Cheap Family Fun

Can you guess what clay pigeons, corn-on-the-cob, and a roller coaster all have in common?

They’re all part of our traditional 4th of July party. And I almost forgot to mention the fireworks.

Our family gets together every year for our annual 4th of July bash. Even the teen-agers come. They can’t resist shooting clay pigeons or a mean game of volleyball with their totally out of shape aunts and uncles.

Most families get together for Christmas, but we find that during the summer, everyone is more relaxed and at ease.

Plus, it’s a great way for the cousins to get to know each other better, stay connected, and make some wonderful memories together.

One of the highlights of the day is the "infamous" pick-up ride in the field. This is when about 15 cousins (ages 26 down to 10!) pack into the pick-up bed for a thrilling spin around the cow pasture.

Grinning widely with his cowboy hat on, my husband rips down the sledding hills like a wild roller coaster ride at a 6 Flags Amusement Park!

The kids screeching and squeals of delight echo across the entire valley of the back 40 acres.

The kids are being kids...and us adults smile knowingly.

I'm sure the neighbors must wonder what those "crazy" Misheks are up to!

But the answer is simple.

We’re making memories that will last a lifetime.

May you all have a safe and blessed July...

So until next month...

Happy parenting!


Sonja Mishek

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