The subject matter just said Test …This Is Not Spam. Take a minute to read this and then my comments.
Here is the rest of the message :
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Please ignore this message, as it is only a test to see if this autoresponder is back up and running. We need to notify you that this e-mail may contain advice on money-making methods and other subjects plus may include links to available products and/or from third parties in return for appropriate recompense.
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Please forward this email to abuse@amazingautoresponse.com or follow the above link for immediate removal.
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Lessons:
I am not advocating doing this at all even though this email did get through to my main address. Notice the reverse psychology here. …Please ignore. Come on that always works (Note to Self) Then the warning “This may contain advice on making money…” I mean.. how cool is that?
Then there is the humor:
Unsubscribe – Send a Letter. …
Don’t know why, but if you wish to leave
My view is I learn a lot from paying attention to spam. First spam mail may have some of the best subject lines. Then there is formatting and other hooks spam uses.
There is another thing I have learned and that is there a lot of people who use blogs like this to teach, who sell programs that teach you how. Have you ever noticed how few promote “do it for you”? Do you know why that is? Well I have my views but what is important is that one of my new services does “do it for you” What is it?
Click over to New Digital Media You will understand what this is doing in about 3 minutes.
Sharing with all my readers the energy of peace, happiness and abundance
Email Me, Steve Pohlit to schedule A No Obligation Consultation On Building Your Business Profits.Need more customers? Let’s discuss how to use cutting edge Social Media Marketing in the revenue building cycle of your business to drive your profits sky high. If your company is not growing revenue and profits, if your company is not cash flow positive Click Here for more information about Turnaround Consulting Services for Business In Crisis
Announcing The Services of New Digital Media Click Here
About: Steve Pohlit is a CPA,MBA and has been the CFO of several major domestic and international companies. Steve is business owner and an expert business consultant, direct response and social media marketing and social networking security expert . Steve is focused on helping companies improve their business performance. All articles published by Steve unless specifically restricted may be freely published with this resource information.
Using my spiritual belief system as a cover for an intended scam
Using my expanded network and business of Manifest Mastermind as a cover for intended scams
Scamming Brian Campbell out of a partnership
Alexis Martin Neely, you represent yourself to be a professional attorney, a lawyer who teaches other lawyers. Every professional attorney I ever worked with has demonstrated they learned proper due diligence before finalizing their position. Had you used even an ounce of your legal training for fact finding in this situation, I am certain you would have concluded your feelings of what you have accused me of to be totally without merit.
In that report you will see that he hacked into my main email account and deleted four years of personal and business communication. Part of that record was a detailed history of my communication with him regarding situations that as a partner I was not comfortable being associated with. It also contained communication regarding the work I started because of Brian not doing what he promised. Part of that work was the detail related to your account. What was not destroyed are emails to you from another person requesting assistance so we could resume building value for you. We never received the requested information from you so we could continue.
An email that was deleted by Brian but which you have was sent directly to you from me. Of course this one you didn’t reproduce in your article. It is the one where I wrote to you that I would continue working until you told me you have received the value for what you paid.
I am a currently licensed CPA. I have held positions in very large companies with significant fiduciary responsibility. I have the trust of many clients because I earned it for doing what I say and being authentic. I say to you now Alexis Martin Neely all of your accusations are false. I have the facts and those facts are readily available to you or anyone.
I stand by my word and stand firmly in the foundation of Manifest Mastermind. It appears to me that you are not the professional you represent. There is one item where we have no disagreement: what comes around goes around.
In Unity we believe in Oneness and so I do love the essence of God in all life and the essence of God in you.
In the same week I received a message on a special report from the Motley Fool on what Microsoft is worried about and a message from Chris Lang on the new Google operating system that looks like will be launched in 2010. Chris does a great job summarizing the major benefits to this and now I understand what Microsoft may be a bit nervous about.
I have not seen Bill Gates or Steve Ballmer discussing this but I am sure they will soon as their shareholders will want to understand their plans considering this move by Google. Just think of this: $200 will operate very fast and efficiently. I wonder what the equipment and chip manufactures think of the pending development?
Watch the video, then pay close attention to my brief closing comments. These points are what you should be doing today to take advantage of what is available right now and to take advantage of this OS when it is released.
Notice how important Chris feels the Google Friend Connect feature is to the Google strategy. If you look to the right you will notice I use the Google Friend Connect application. How do you install this. Well I am happy you asked. It just so happens I did a video on this a while back and here it is. Wait before you watch it, make sure you read every word of this article as I close with some mission critical advice.
Now what is the one common element to all these features and benefits? Have you ever tried using an Google application that you have set up without your Gmail user name and password. Do you think that information might be very important to have very secure? I do and I recently paid a very heavy price for inadequate security and trusting this information to another. You now know what to do.
Sharing with all my readers the energy of peace, happiness and abundance
Email Me, Steve Pohlit to schedule A No Obligation Consultation On Building Your Business Profits.Need more customers? Let’s discuss how to use cutting edge Social Media Marketing in the revenue building cycle of your business to drive your profits sky high. If your company is not growing revenue and profits, if your company is not cash flow positive Click Here for more information about Turnaround Consulting Services for Business In Crisis
About: Steve Pohlit is a CPA,MBA and has been the CFO of several major domestic and international companies. Steve is business owner and an expert business consultant, direct response and social media marketing and social networking security expert . Steve is focused on helping companies improve their business performance. All articles published by Steve unless specifically restricted may be freely published with this resource information.
What does visualization and The Law of Attraction have to do with
Building Business Profits which is the focus of my business consulting
practice.? Visualization of results.
I became aware of all this when I saw this interview of a guy from
Australia that shows the tool he and Frank and many others use
including myself now. You really do have to see this:
So what is it about Aussies anyway? They seem to totally
have this figured out, especially when you consider that
the land down under is where we got…
***********************
The Secret
***********************
I’m sure you’ll agree that was life changing all by itself.
And now, this guy has added another dimension to the
Law of Attraction that ramps up how fast you can manifest
anything you want into your life.
************************************************
This makes the Universe say YES even faster!
************************************************
He even got marketing expert Frank Kern excited about it.
If you haven’t heard of Frank, well, he’s a marketing genius
who makes millions of dollars online. Everything he does
seems to turn to gold.
But he’s not exactly what you’d expect when it comes to using
The Law of Attraction to manifest your goals and desires.
You’ll hear his personal experience with this when you
watch the video:
So, if even HE is doing this, what does that tell you about
how effective this is? Bad news for the naysayers who think
it isn’t for “regular” people, or the Law of Attraction is
some kind of mumbo jumbo.
Only thing is I’m not sure how long this will be available
at NoCost.
So if you’re really serious about increasing your power to
manifest anything you want into your life super fast,
you need to check this out right now:
I’ve already started using this, and I strongly recommend
you do too.
All the best,
Steve
P.S. I’m extremely excited about this, because it could
literally transform your life. So be sure you share your story
with me when you start doing this, OK?
About: Steve Pohlit is a CPA,MBA and has been the CFO of several major domestic and international companies. Steve is business owner and an expert business consultant, direct response and social media marketing and social networking security expert . Steve is focused on helping companies improve their business performance. All articles published by Steve unless specifically restricted may be freely published with this resource information.
Mark Albright, staff writer for the St. Petersburg Times published an article in the Sunday paper a while back on retailers struggling to win back customers. He does an excellent job at identifying the key issues customers face when shopping in many stores. In summary, customers know what they want from their shopping experience and they don’t get what they want most of the time.
Two charts were provided in the article. One showed that 68.4% of those responding to a recent poll said knowledgeable, helpful, friendly staff was the most important criteria for a positive shopping experience. The other chart reported that 50% of the people surveyed reported retail service has gotten worse.
Shoppers have always wanted a friendly environment with knowledgeable staff. What is most alarming is how poorly retailers continue to meet the expectations of their customers. With almost 70% of the customers ranking knowledgeable, friendly staff as most important, why is it that so many retailers continue to be obsessed with having compelling price? Studies have consistently shown and Mark points this out in his article as well, that less than 10% of the shoppers name price as the most important reason they shop a store.
Let’s examine pricing and promotion a bit deeper. The paper that Mark Albright writes for has a daily circulation of about 1 million. On Sunday, like all large metropolitan areas, the paper is thick. Most of it is advertising circulars. Most have between 4 – 20 or more color glossy pages and this format is used by most of the major retail chains. Stores attempt to show items attractive to the largest number of people and offer special buys or sale pricing. The goal is to drive traffic to the stores.
Normally on a store by store basis, retailers are able to tell how effective a particular circular was by measuring customer count (customers that actually buy), average sale and items sold. Most retailers have these statistics, but there is one critical piece of information they do not have. They do not know who it was that purchased something. They do not know their physical address, they do not know their email address and do not know their customer’s phone number. There are exceptions and I will address those shortly. However, in general, large and small retailers spend huge amounts of money on print advertising to drive customers into their stores and they don’t even know who their customer is. Consequently, they are unable to thank the buyers, hear their comments and suggestions and they are not able to personally invite them back.
Even more serious: with the development of preferred buying programs, membership programs like those used by Sam’s Club and Costco and even those retailers that have captured customer information, the way that data is used is pathetic.
Here is a brief summary of the issues so far: consumers want knowledgeable and friendly sales staff and over 90% of them place importance on knowledge and friendliness over price. On the other hand, retailers spend a lot of resources developing promotions based on price to drive traffic to their stores. When the customer gets there, not just the price shopper but the loyal customers as well, the retailer is not properly staffed and the staff that is working is not properly trained and managed. I call this a mismatch in expectations and delivery. The result of that formula is a high rate of retail business failure with stores that fail being replaced by new ones that operate the same way. You know what you get when you keep doing things the same way. What is the solution? Keep reading.
When the subject of price in retailing is mentioned, Wal-Mart’s name always comes up. Here are just a couple of things I noticed about Wal-Mart recently. First they are increasing the number of more upscale items offered. Why are they doing this? It is because they understand that appealing just to the low price crowd long term is a risky business model. No retail chain founded on the low price model has ever survived long term. None. What else have I noticed? The other day I noticed a Wal-Mart banner on the front page of Yahoo.com This particular ad was what is known in the Internet Marketing circles and Direct Response Marketing circles as a lead generation ad. I followed it through and noticed interesting “bribes” to get you to register for on line information. You could even categorize the information you were interested in receiving. Wal-Mart promised to give you advance notice of their best deals for the store closest to you. Notice I said store closest to you. When you entered your information they asked for your zip code so they could match you with relevant regional promotion.
Wal-Mart is taking the lead again in building their customer data base. I don’t think they have taken this to the store level, which where it really needs to be implemented. But they are headed in the right direction.
Do you need to have Wal-Mart’s system to implement a similar program? Last September I was testing the implementation of program with a small retailer in a small market. We used incentives as a motivator to provide their contact information. This program was hugely successful in a short period of time and confirmed the value of capturing the contact information of your customers and communicating with them. That is the first step in bridging the gap between what customers want and what retailers deliver. Note: if you are a grocery store, restaurant, nightclub, shoe repair store, dry cleaner or any business that has customers, this applies to you.
If you are a local or regional chain of stores, outsourcing this customer contact program is the most cost effective approach. If you are not sure that is a true statement Email Me and I will prove it to you. National Chains should outsource this program in the test phase and then it is likely that in-house technology will be needed long term. Regardless, it is easy to build your customer list, easy to communicate with them and this communication builds loyalty and value. This communication process is the critical link that breaks down when this process is managed internally. In summary, outsource this entire program initially; bring the technology piece in house if and when that makes sense but keep the communication program outsourced. Does this sound like Direct Response Marketing 101? Yes ..well that is because it is and you know what…basic blocking and tackling work all the time.
Does all of this solve the problem of bridging the gap of what the customer wants and what the retailer delivers? Absolutely not! All of the fundamentals successful retailers are paying attention to today must continue. Having the right product in the right place at the right time is a good goal. Having staff properly trained and managed is a great goal.
Butthis is the planet earth folks. When all the best logistical systems and human resource development processes fail .. and they will from time to time, a strong binding relationship with your customer will overcome any isolated execution failures.
Are there any examples of anyone doing this more right than wrong? I remember in 1996 when I was in my second year of operating an Internet Service Provider company that I founded. I was focusing on industries likely to benefit a lot quickly from using the tools of the Internet. One of them was mail order. I knew there would be huge benefits to catalog retailers from using the internet. Of course when I contacted many of them and they had no idea in 1996 what I was talking about. So I let it slide instead of pursuing that idea along with a number of other billion dollar ideas I had in the early days of the commercial Internet.
Today there are numerous examples of catalog retailers doing a great job of communicating with their customer base. Now the big gains are coming from the “brick and mortar” companies who are communicating like catalog retailers. Who are they? Circuit City gets a vote. Circuit City sends me wonderful emails in addition to their weekly print advertising circulars. Wal-Mart used to do a good job now that I am on their list but not any longer. In the catalog retail business, one of the best is Fredericks of Hollywood. There are other catalog retailers that have an effective communication program in place. In fact if you order on line from any catalog company and give them your email address, I would bet you start getting information from them. Even if you don’t order, sign up for some of these lists to see what they send you.
The biggest mistake made by companies that have you in their data base, is dropping your contact information when you have not purchased for awhile. I know of one very popular retailer with a huge mail order division that sends me tons of catalogs but not one email. When asked about this I was told I no longer receive emails because I am not a current buyer. But they continue sending me expensive to print and mail catalogs. Go figure! Recently.
In summary, study the companies that are doing this well. Look at your own business. If you are not sure what I am advising you to do will work, call or email me and let’s “kick it around”. All contact information is at the end of the article.
Sharing with all my readers the energy of peace, happiness and abundance
Email Me, Steve Pohlit to schedule A No Obligation Consultation On Building Your Business Profits.Need more customers? Let’s discuss how to use cutting edge Social Media Marketing in the revenue building cycle of your business to drive your profits sky high. If your company is not growing revenue and profits, if your company is not cash flow positive Click Here for more information about Turnaround Consulting Services for Business In Crisis
About: Steve Pohlit is a CPA,MBA and has been the CFO of several major domestic and international companies. Steve is business owner and an expert business consultant, direct response and social media marketing and social networking security expert . Steve is focused on helping companies improve their business performance. All articles published by Steve unless specifically restricted may be freely published with this resource information.
Michael McDonald paused between songs and shared a few things of importance to him. Peace was clearly the energy he was sending during a pause before continuing singing with his powerful voice songs like “What A Fool Believes” and more.
Michael talked about something that I don’t normally think a lot about. That is the VA or Veterans Administration. He expressed his support for the one agency that is established to help those who have given all or a part of their life to protect the freedom of this country. He was specifically talking about the men and women who serve on our front lines. Michael McDonald was also asking all of us to consider what conflicts make sense for us to support and those that don’t. With the next breath he said in effect .. once we as a nation choose to enter a conflict, we are responsible for taking care of those that serve.
Thank you Michael for that reminder. On the Fourth of July and every other day we honor those who serve to preserve our independence, liberty and freedom.
I had not considered the Veterans quite in the context of the purpose of the Veterans Administration. Michael is right and it our responsibility to take care of those who serve in the military. I am talking about the people who serve to protect our country whether we agree with the specific conflict or not. The point is they have left their homes and their lives to protect our right to life, liberty and the pursuit of happiness.
My view is most people working at a desk job being paid by the working people of this country, through the bureaucracy of the government, are not serving our country by this definition. In fact most are leeching off this country. Yes you read that correctly. Most people working in a government job are leeching off this country. In all fairness they are not waking up in the morning thinking that. Most are intending to do a good job. I am not in any way blaming the workers. We have permitted a system to develop where their job in most cases has nothing to do with foundation principles of the declaration of independence and constitution. Yes most jobs created to protect our right to independence, freedom and peace are unnecessary because we have allowed laws and programs to start and grow that have nothing to do with the role of government.
As a country we have developed a “you take care of it” attitude and elect people who say they will solve those situations in this country we define as problems. But the problems have become worse. The national debt is incomprehensible and just one program, health care, recently proposed by Obama will add an estimated $10 Trillion dollars to the national debt over the next 10 years and not make a dent in the number of uninsured. Obama has led the parade to stimulate the economy with bailout money saying the stimulus package will contain unemployment to 8%. Now after disbursing hundreds of billions, Obama says unemployment will be 10% this year or higher.
There are other forums that examine what this man who is our president is doing and the impact of his leadership in much greater detail. However, this is actually not intended to bash him since every administration particularly since the 1930′s is accountable for implementing policies and programs that have nothing to do with the role of government as defined by the constitution. Most of what we have allowed to evolve under the umbrella of programs, rules, regulations is simply not necessary and stifle freedom and liberty.
Have you thought about the foundation principles that are intended to guide what our government does? Have you evaluated your point of view as to what freedoms you feel you have relinquished by what we have allowed others to do and implement in the spirit of the so called common good? Have you asked yourself what is really necessary to be done by the government? I will be honest in saying I am not totally sure as to what is all necessary so one way of getting to that answer is by asking the question what is not necessary. The following is part of my list based on the foundation principles of life, liberty and the pursuit of happiness. My list is also based on the foundation principle of individual responsibility.
Programs and Spending That Are Beyond The Scope of The US Government As Defined by The Intention of The United Stated Constitution.
If you are in another country consider how your freedom is affected by the programs implemented by your government.
Social Security: Eliminate it. For most of this country’s history it didn’t exist and it never should have been enacted. There is no basis in the land of freedom that says because I am working I must pay into a fund to fuel the retirement of some else which is what has evolved because my government has taken this money and used it to fund wars and debt. The money deposited into social security is not there. I don’t want anyone to tell me what to do with my money. Why is it that we stand for other people to dictate what we do with our money? We intend to fund a few basic common interest services the first being the protection of independence, freedom and liberty. Along with a few other services for the common good our constitution intended for government to have a limited role in our lives.
Welfare, Medicaid, Medicare and all social welfare programs: The same as social security. Cut them right now. Yes right now. Our government was not formed for the purpose of creating and administering these programs. Am I insensitive to the needs of others. Not at all. As a brief story, I was in an accident with my father when I was very young. He made very little money and it was about 2 months before he could return to work. We were both in the hospital for weeks. There were no government programs, there was no health care. Me, my dad and my family made it through this. Was that period a challenge? Of course but I developed the appreciation for the neighbors and strangers who knew we needed help. Does this mean there should be no system to help those who clearly cannot be helped by friends, family and community. No it does not but as soon as we say there is an exception, politicians take it and expand it.
Rules and regulations: Since when does the constitution of the United States have anything to do with rules on smoking, seat belts, prescription medication, infant seats in cars on airplanes, handicapped friendly bathrooms everywhere, and more. Get rid of the rules. If I choose to not wear a seat belt and I am hurt in an accident let my insurance company say we are not paying your medical bills since you were not wearing a seat belt. If a restaurant chooses to allow smoking, I can go to it or go to one that is non- smoking. Do you see the importance of this? It is not about the seat belts or the smoking or the drugs. It is about freedom of choice and I don’t need anyone to make my mind up for me.
Non-Citizens In the US - open the boarders but don’t ask me to fund your schooling or guarantee your children the right to be admitted to the schools I have paid to be built and staffed. I don’t have to support you,although that may be my choice. I don’t expect from you any special considerations and don’t expect any from me. You can become part of the community and the school system when you are a citizen. No I am not agreeing to make everything multi-lingual. We didn’t print everything in German, Polish, Russian and more during the period when people from many nations came to this country and there is no reason to do it now. See the above comments on social welfare and do you think that some of the incentive for coming to this country would be removed when you remove the social programs?
Legalize drugs ... all of them. I have no interest in taking any drug currently classified as illegal. If you want them, that is your business and as long as you harm no one else do what you want. Laws do not change a person’s actions and we are spending billions in an effort to control a situation that is not controllable.
Gun control… none. End of discussion. We have a right to have arms as spelled out in the Constitution. This is not about how you feel about guns. This is about life , liberty and the pursuit of happiness. There are 18 proposed bills being circulated in Congress right now intended to compromise our Second Amendment right. I say anyone associated with any bill intended to compromise the rights under our constitution be required to move out of this country to another place more in alignment with their values. I choose to live in the country because I align with the rights of our constitution.
Other Country Situations: There are brilliant people all over the world. I support a very strong national defense and then keep our nose out of other people’s business. At those times it is clear other people’s agenda is to compromise our freedom and peace we do whatever is necessary. Stop funding other people’s agenda. Did you know that Nigeria is first on the happiness index and the US is 46th out of 50 countries studied. Now what makes you think anyone else is seriously interested in our agenda for them.
Taxes: simplify simplify simplify….a national sales tax to fund defense, our interstate commerce system and our Judicial system is about it. Regarding the judicial system at the Federal level, that process needs to be held accountable for upholding the values of our constitution and if individual justices do not do that in the opinion of the clear majority of the population they will be removed. Yes we need a system that allows for the people to determine the composition of the Supreme Court and not the bureaucratic process intended to accomplish the agenda for what someone else believes is the common good. Yes we need a system that does not guarantee a job for life when appointed to the Supreme Court.
Airport security- Do you have any idea how ridiculous this is? I am totally in favor of profiling. I am totally in favor intelligent security. Watch the first Dirty Harry movie ” if you see a guy running down the alley with a ______ and a butcher knife you know he was not out collecting for the Salvation Army.” Enough said. If you don’t prefer that example, do you remember Flight 93? People are capable of being responsible for their own protection. The violations of individual rights here are off the charts. Teach the passengers to pay attention and do whatever it takes. Will there be mistakes? There are huge mistakes now and the system is stupid.
Department of Justice - totally out of control. Look at how stupid it is to lock up brilliant minds who have perpetrated millions and billions of dollars from people. Here is the deal: Have an apartment complex in the most economically challenged section of the country and make them pay $50,000 a month for a room. Then mandate they use their mind and talent to legitimately make and pay back double or triple what was lost. Michael Millikan was convicted, went to prison. He now is paying major taxes based on the value he is creating since being free. Look at what could have been paid had he been simply told …go to work pay it back and by the way, if you don’t work it the right way we will put you in the place where we send people who kill, rape and more. Your choice.
The Fourth of July: God Bless America The Land of the Free
All I am talking about is freedom as I see it. I certainly have just touched on the surface of my views as to some of the structural issues. Don’t define my freedom and I surely will not define yours. Don’t interfere with my life and I won’t be interfering with yours. Obama, as for you and all the other people in office with the intention of sucking freedom and liberty out of us, I intend for you to have another job having nothing to do with my life and and the lives of anyone else.
Obama, I don’t like your misrepresentations about authenticity and transparency. I don’t like your socialistic agenda. A free market economy has built in checks and balances. Respectfully, you or any other government office holder has no business being involved with General Motor. AIG , or any other business that is failing. If that means the country enters a recession or a depression, those are the cycles of life. The structural solution is a consistent adherence to foundational principles. Those principles without any doubt are clearly spelled out in our Declaration of Independence.
I pay attention to the conditions that our founding leaders experienced that led to the Declaration of Independence and the formation of the United States Constitution. I stand up and say to you I am for the principles of life, liberty, and the pursuit of happiness. It is time for a new structure that is in alignment with those principles.
What am I going to do? First I am beginning to challenge people’s complacency. Second I am going to start paying much closer attention to how elected officials are voting. I will participate in every election and vote no for anyone proposing solutions that are outside the scope of government.
My name is Steve Pohlit and I stand for Independence, Freedom and Peace. Now what do you stand for?
BILL BARTMANN
Listen to BILL in a FREE TELESEMINAR
JUNE 29th at 8PM Eastern
The Billionaire Business Coach Win big in a down economy
Bill is the MASTER at creating wealth in a down economy (or any economical situation for that matter). He knows how to win big even when the economy is screaming you can’t. You may have seen Bill on the cover of Inc. Magazine as the “Billionaire Nobody Knows”, or watched him recently on major network TV. Bill’s in the news daily because his book, “Bailout Riches”, is creating a real stir. It’s about how you can benefit–directly and fast–from the government bailout.
Note: Bill’s new book offers great insight on how our financial system is operating today. I purposely avoided using the word working. Part of what Bill has taught me was used in writing the article Financial Crisis, Turnaround Consulting which is in direct response to a person experiencing a financial crisis.
Bill Bartmann is the “Billionaire Business Coach”. He is the only self-made billionaire who has devoted his life exclusively to teaching others. Bill is the leading authority on entrepreneurship in America. He has created seven successful businesses in seven different industries. Including a $3.5 billion, 3900 employee international company that he started from his kitchen table with a $13,000 loan. He has been named National Entrepreneur Of the Year by NASDAQ, USA Today, Merrill Lynch and the Kauffman Foundation. His companies have been named by Inc. Magazine as one of the 500 Fastest Growing Companies In America – four years in a row. He has been awarded a permanent place in the Smithsonian Institutes Museum of American History and awarded the American Academy of Achievement’s Golden Plate Award as one of the Outstanding Achievers of the 21st Century.
Millions of people have seen Bill on ABC, NBC, CBS, FOX News, CNN and CNBC. Bill’s expertise has been featured on Sheppard Smith, Neil Cavuto and Donny Deutsch. He has been profiled in Forbes, Fortune, Inc., Bloomberg, Business Week, New Yorker, People, Wall Street Journal, U.S. News & World Report and USA Today.
Did you know that Bill issues a FREE newsletter frequently and conducts on line training through his Billionaire University? Want to know more about Bill Bartman and see him on video explaining more about his background and keys to success? If you don’t know his story, this is well worth a few minutes of your time.
Email Me, Steve Pohlit to schedule A No Obligation Consultation On Building Your Business Profits.Need more customers? Let’s discuss how to use cutting edge Social Media Marketing in the revenue building cycle of your business to drive your profits sky high. If your company is not growing revenue and profits, if your company is not cash flow positive Click Here for more information about Turnaround Consulting Services for Business In Crisis
An independent business owner contacted me after reading several of my articles on business turnaround consulting and business process improvement consulting. She asked if I could help her. I asked if she would write me note about her situation. The following is her message:
Steve,
I decided to get in touch with you because I am very close to running out of cash. I don’t know how I will pay on my loan payments next month because at the moment I don’t have any funds for that.
I feel like I am really close to generating positive cash flow with my business but I am still stressed about how I will pay on all accounts/loans that I am responsible for. I feel like I just need to buy myself more time.
I am doing my best to maintain my positive attitude, faith, and belief but I am scared. I’ve applied for additional credit cards but have been denied. As a result, I’ve started to search for a job, which I know is taking my focus off of where it is I want to go.
Financially, I’ve never been where I am at the moment.
If you can help, I am grateful. Even if you are unable to, I am still grateful.
Thank you,
————————————————–
I asked her permission to publish this on my blog as I have actually been planning to write an article about what many people are experiencing for a variety of reasons. Full disclosure: I am a business turnaround and business process improvement expert. I am not a personal financial planner, personal bankruptcy lawyer, personal financial counselor. My experience in this area are very direct and from the streets. If you would like additional support for what I about to tell you, read Bill Bartman’s book “Bailout Riches”.
Notice some very important words in this lady’s description of her situation: faith, belief, scared, “I am responsible”. So my response is written for those who have similar feelings.
About Being Scared:
This is natural particularly since this is the first time she has found herself in this situation. The key is to acknowledge that and just move outside of yourself and observe it. This takes some practice but it can be done. Realistically, we become scared of losing our life, our “stuff”, a place to live and starving. In the worst case scenarios a woman will be not homeless. Nobody will starve to death and stuff can be replaced when the economic situation turns around. In my belief system I have learned how not to fear death. Once you no longer fear death then there is really nothing else to fear. On that topic “Home With God” by Neale Donald Walsch is a great read.
Now I know writing about fear and being scared does not make it go away. You can release these emotions. In fact you must release these emotions or you will have difficulty moving forward which is really what your intending to do. Now for the art of the practical of why you can expect:
I am going to assume she is fairly current on her payments and realizes that will change next month. My advice is to stay focused on immediate needs only while continuing to solidify cash flow from her business. Immediate needs are food, utilities and those service needed for her business. These generally include Internet service and phone service. TV service is not an essential. Car insurance is. The key is to evaluate true essential spending.
For now paying credit card debt and mortgage payments are also not essential. If you are a renter, you may have less time in your place than if you have a mortgage.
Going Forward
This lady mentioned feeling like her business is close to cash flowing. I recommend anyone who has a business ask someone else with business experience for a realistic evaluation of that feeling. This is the number one item I work on in a business turnaround after addressing immediate cash management issues. With the confidence of how a liquidity crisis turns around you can navigate any obstacles. Now if you don’t have that confidence then you should begin pursuing plan B. She mentions looking for a job. That may not be her first choice but it may be a realistic stepping stone until she can turn her business cash flow positive. That is for her to decide.
What To Expect From Credit Card Companies and Banks
The reality is you will get a lot of phone calls. Most of these calls will be made by a computer. So it is a great idea to have a caller id phone that you can put on silence or vibrate. You don’t want to answer a call unless you know the caller and you want to talk to them. The natural inclination is to want to talk to the representative on the phone. I don’t recommend wasting your time doing that until you can tell them you have restored your ability to pay.
Credit card companies will threaten to file suit. They won’t. Read Bartman’s book. You can become delinquent more than 90 days if it takes that long to restore cash flow. Close to the 90 day mark they will be willing to cut all kinds of deals with you. If you take one of them know that they will not reactivate your card. I know the credit card companies will accept settlement at 50% of the amount due and take that over 3-5 monthly payments. They do not want you to know that. And as soon as I write that I am sure someone will say there are even better deals than that.
I am not advocating not paying what you owe. However, the credit card companies have no problems charging very high default rates and late fees. Your responsibility is to position yourself to go forward.
Get used to the phone ringing and don’t take it personal. First a computer is dialing and then at some point when you decide to talk with someone because you have a proposed solution then recognize they are not your enemy or your friend. They are simply doing their job.
You can expect the calls to start at 8AM and end at 9PM Monday through Saturday and noon until about 8PM on Sunday.
Mortgage or Rent
Because mortgages go through a foreclosure process it can take quite some time from start to finish. Rent on the other hand is a bit more dicey depending on the market you live in. The meltdown leading to the high foreclosure rate has driven up demand for rental units. So you could be facing a situation of eviction 60 days or so past the due date.
Generally if you are able to pay a portion of what is due that will buy some time. Mortgages move from the normal mortgage service department to a foreclosure processing department. Expect notice of intent to foreclose and calls. Don’t panic you have time. But keep moving on you go forward plan. Foreclosures and evictions do happen.
Brief Summary
What I have tried to do is paint the picture of what you can expect. There are variations of course and timing can vary depending on the credit card company and bank. Ultimately you have a lot of room to negotiate just about everything related to debt. Utilities no since they will just cut you off. But debt yes. However, in order to negotiate you must have something to negotiate with. You ultimately have to have a source of cash flow to negotiate.
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Email Me, Steve Pohlit to schedule A No Obligation Consultation On Building Your Business Profits.Need more customers? Let’s discuss how to use cutting edge Social Media Marketing in the revenue building cycle of your business to drive your profits sky high. If your company is not growing revenue and profits, if your company is not cash flow positive Click Here for more information about Turnaround Consulting Services for Business In Crisis
In 2006, author Bob Scheinfeld published a book titled: Busting Loose From The Money Game. I purchased the book based on the recommendation from another admired author and read it once over the course of about a week. I then went back and read it more closely, made notes, highlighted sections in yellow. In short I really studied this book.
I had not been exposed to most of the information in that book to that point. I was very skeptical even after studying it in-depth. This was because the concepts were so different from anything I had imagined. However, I found a part of me saying it made a lot of sense.
Over the subsequent three years, I have learned that Busting Loose From The Money Game was based on what is known by scientists as the discipline of Quantum Physics. During this time the movie The Secret was released. There has been a growing awareness of The Law of Attraction. Quantum Physics supports The Law of Attraction.
Here is a real life example from personal experience. If you have followed the articles published in this blog you know I have a lot of very valuable business experience. I use this experience to help companies improve their business performance and in some cases help them if they find themselves in a difficult situation (business turnaround consulting).
When I was near graduating from college I decided that I wanted to be a CPA and work with one of the Big 8 (at the time) firms. I visualized that experience as best I could, I interviewed with a few firms and I was not hired…then. I ultimately relaxed that idea, but I did become a CPA and also went on to earn my MBA. Both were credentials I decided I wanted to have because one day I wanted an executive position and be in the board room running a large business. I felt those credential would help.
I was relentless on that idea. I felt certain it would happen. Nine years after I was not offered a job with one of the Big 8, the number one firm in the world hired me . I went on to have a marvelous experience there for 10 years. I left and went right to being a senior executive of a $360 million company. I was in the board room with several other senior people running that company. There is a lot more to this story including some of the near total disasters I experienced but the point is I attracted that which I was focused on consciously or otherwise. That is The Law of Attraction. ”Like attracts like”.
Today in business and in all areas of my life I am continually creating the picture that I want to have appear. Now if you asked my most recent client how that turned out they would say not very well. I would say one chapter is closed and another is beginning. Soon I will prepare another article on change and surprises. For now I say to you, The Law of Attraction works perfectly all the time. The problem comes in when the outcome isn’t like we thought it would be. Sometimes the outcome is much better and sometimes it isn’t.
In the situation I just finished, the bank decided it was in their best interest to liquidate the company. There is no way on this planet in my lifetime I thought I would understand the bank’s position given the alternative solutions presented to them. However, Bill Bartman’s latest book “Bailout Riches” offers answers. Do you see I was asking questions and I attracted answers. Not only that, but I attracted an opportunity to profit from the current conditions should I pursue what Bill suggests. I don’t think I will but you can.
I love understanding and increasing my connections with that which I intend to attract. I love sharing what my experiences and insight on these topics. Nearly a year ago I had an idea of how I could blend my passion for The Law of Attraction with my experience and skill set in business and particularly the consulting arena. Shortly thereafter, a number of things began to fall in place and today I have along with my business partner have growing business based on The Law of Attraction. That business is Manifest Mastermind. What is most important I work on what I love and some people like it enough to stay as paying members. How cool is that?
My purpose has been to give you a glimpse as to why I immediately purchased Bob Scheinfeld’s latest book: “Busting Loose From The Business Game” I have not read it as I just order it today. I encourage you to order it and for transparency purposes I am not an affiliate and Bob hasn’t asked me to write this and certainly hasn’t paid me any money to do so. For the record I am not opposed to being paid .
I know this book will have as much influence on me as the first one I read and I am excited about all the possibilities.
Email Me, Steve Pohlit to schedule A No Obligation Consultation On Building Your Business Profits.Need more customers? Let’s discuss how to use cutting edge Social Media Marketing in the revenue building cycle of your business to drive your profits sky high. If your company is not growing revenue and profits, if your company is not cash flow positive Click Here for more information about Turnaround Consulting Services for Business In Crisis
I have been experiencing accelerated energy toward the foundation principles of life, liberty and the pursuit of happiness – the original value system of the United States. I also feel, more and more people are refocusing on these values as our government continues grow and spend money irresponsibly.
Michael Israel is one person who energizes the feelings of compassion, care and patriotism. Michael is awesome as this video shows.
Sharing with all my readers the energy of peace, happiness and abundance
Email Me, Steve Pohlit to schedule A No Obligation Consultation On Building Your Business Profits.Need more customers? Let’s discuss how to use cutting edge Social Media Marketing in the revenue building cycle of your business to drive your profits sky high. If your company is not growing revenue and profits, if your company is not cash flow positive Click Here for more information about Turnaround Consulting Services for Business In Crisis
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