3 online business owners and how they got started

MATTERS OF THE A.R.T. Jewelry has been part of Anne Renee Timmons-Harris's life since she was a child. When she was growing up in Chicago, she would visit her family's landlords in

their home across the hall. The wife collected Venetian glass beads, which entranced Timmons-Harris. In that apartment, she also learned how to string and knot beads. Timmons-Harris took a

jewelry-making class in high school and continued to learn more about human history, including jewelry and beads, throughout college and into adulthood. Later, she took a home study course

from the Gemological Institute of America on grading diamonds. Timmons-Harris was an early online entrepreneur. She registered her website — beadbear.com — in 1998 and, within a few months,

sales were coming in. Through the years, her business evolved as tools became more sophisticated. Now, customers can browse pieces online and place orders seamlessly. Timmons-Harris handles

all the order fulfillment herself. Today, Timmons-Harris's A.R.T. Precious Collectible Jewelry reaches customers using its website and social media platforms. Timmons-Harris has built a

broad network that includes clients and suppliers. She posts information about jewelry history and stones on her social media channels, sharing her interest in the craft of jewelry-making

and her love of vintage beads and semiprecious stones with the world. She helps people learn about the stone properties and “how cool rocks are,” she says. “It's just about: Does it

make your heart sing?" OFFERING HELP WITH FINANCIAL AID Looking back, working in college financial aid seems to have been Catherine Graham's destiny. When she was a student at the

University of Redlands in Redlands, California, she was a campus tour guide and overnight host, talking about admissions. Her first job was in college admissions at the University of

Southern California, where she went to graduate school. Roughly 18 months later, she was asked to work in the financial aid office. “I call that my ‘black and blue’ period,” she quips,

because it was so challenging. But she fell in love with helping students pay for college and hasn't looked back. After working for institutions such as Whittier College and Loyola

Marymount, she decided to take her experience to a broader audience. In 2017, she opened the Financial Aid Shop in Redondo Beach, California, to consult with both colleges and universities

and families. She promotes her various services through her website and launched an online component to her business last year, selling spots to attend her virtual workshop. It took about a

year to get the program up and learn how to promote it. “As an entrepreneur and as a solo-preneur, there are so many things that you have to do, and learn on your own. Oftentimes, it can be

overwhelming,” she says.