Business Success | Need A Dream Team Board Of Directors?

Is your business successful but you are working way too hard?  Is your business stuck right now and you don’t know how to take it to the next level?

Are you feeling a bit burnt out with your business and losing enthusiasm fast?  Is your business at a crisis point but you don’t have anyone to talk to?

Perhaps you have what seems like an insurmountable obstacle to success and you can’t see your way round it, under it, over it?

Well, we know just how you feel – because Judith and I have both been there!

Several times.

So get a cuppa, because I have a story to tell you…..time to read and digest, 5-10 minutes tops.

When I was at burnout with the Money Gym in 2006 and thinking of giving it up, what I really wanted was a business mentor or business advice that I could trust.  From a proven successful business person, not some time-for-money consultant from the government bodies.

Or – eureka!! a Board Of Directors to work with on an ongoing basis.  I didn’t need investment but I badly needed experienced advice on how to grow the business from something good that had sustained me (and the hotel!!) very well for three years but which I was trapped working “in” rather than “on”.

I loved the clients and the great results they got but I really couldn’t face going through the 10 Financial Intelligence Modules again with one more new client, lovely people or not.

Not good.

And worse, I felt ungrateful because most coaches would kill for a lovely niche business like The Money Gym with great demand, that captured people’s imagination and which almost sold itself .

I also wasn’t massively keen on giving up any shares which investment would have meant.

So I was researching and networking to find out how the whole non-executive Board of Directors thing worked.  Non-exec meaning that they didn’t do any of the work but advised me, coming to a board meeting once a quarter to hear about progress and make suggestions.

I was looking everywhere – both online and offline for them.

Then, bummer, I discovered that each Director (Sales & Marketing, Finance, Operations) would expect to be paid about £10,000 – £15,000 per annum plus expenses, unless they invested in the business and you gave away substantial amounts of shares.

I also had Steve to consider, as we were partners in our internet business by then, but he did loads of work in The Money Gym too and if I was giving away shares in the Money Gym then he should get some.

Remember the E-Myth way of looking at it?  I knew that, when designing a successful business, you need a director for each key area – and those are…..

The Five P’s

Promise – the marketing & sales
Product – operations / delivery / production
Pounds & Pence – the finance
Place – office, equipment, telecoms etc
People – customer service & partners / staff / freelancers

I wanted to do the Promise, was delivering the Product but didn’t want to anymore and didn’t have time to create other products, needed help urgently with the Pounds & Pence because while self taught, I didn’t know how to strategically plan our finances, Steve did the Place, and People, but wasnt’ massively keen on the latter LOL

I also knew it had to be someone I respected so that I would up my game.

So I outlined the qualities of the new business partner I wanted

1. Knew & believed in the Money Gym ethos (ex-client?)
2. Ideally had coaching skills so that they could do the coaching for me at least for a while
3. Good with people so we were forced to improve out customer service
4. Had PROVEN successful business background as most of the Business Link / Enterprise Centre advisors had no real business experience, and swapped time for money.

When I was driving along one day

Read more..

Neil Asher Gets Nicola’s Parts Out In Public

I was lying relaxing on the table at the local Shoreham beauty parlor (called Beachcomber which I always find quite funny for some reason) being tended to by the lovely Laura, when someone tweeted me to say I was being exposed in public in more ways than one!  That naughty Neil Asher (who organises the Financial Freedom Bootcamp that I spoke for recently) has analysed our marketing and taken apart our info page for the “Really Useful Internet Day” and he doesn’t pull his punches here!

Financial Success | Run Your Money Like A Business

Here’s a quick money / personal finance success tip I was asked to write for a journalist, then they pulled the feature so I though I would share it here!

If you want to be more financially secure, or even become financially free, you could learn a lot about running your money from the model that a successful business would use.  If your name is Gemma Jones, think of your financial world as Gemma Jones Inc.

A successful business plans out how much money they expect to have coming in for the next year (turnover), then they work out what it’s going to cost to earn that money (cost of sale) then what it costs to run the business (overheads) and what is left is profit.

They pay tax on the profit ** then put part of that profit aside to cushion their cashflow for the forthcoming year and re-invest in the business to grow it, then the owners/shareholders draw out what is left to spend as they wish.

You are the sole shareholder in Gemma Jones Inc, unless you are working as a couple then you are Mr & Mrs Jones Inc, with a 50% shareholding each and equal voting rights on what happens with your joint money.  (If not, why not?  This is a whole other article!)

The business constantly looks for new opportunities to make more money and they are careful about what they spend, looking for the “return on investment” and how long that will take.

You can probably already spot some significant differences between how a successful business runs its money and what you do with yours – and those differences are what is making the difference to your financial success!

Taking that model and applying it to your finances, you can work out what you expect to earn this coming year (I suggest you look at your net earnings or what goes into your bank), what the costs of earning that money are (travel, clothes, lunches, etc) and then what the overheads of running Gemma Jones Inc are (rent, food, bills etc).

What is left is the profit the place most people fall down financially – they are simply not making enough profit!

Once they have paid the costs of going to work, running the house, then paying for all the bits and pieces that they think they need to be happy, there is just no money left for the important stuff.  And this is where most people go wrong , because they are not taught to run their money like a business.

I know, because I ran my money like that for about 40 years of my life too.   Even now, I know many business people who don’t run their personal money in the same way they run their business money.  You know who you are, Money Gym Club Members!

If you ARE making a profit after paying for your day to day life, then ideally some should be put towards cushioning your cashflow against potential changes in the market next year (savings) and some should reinvested in growing the business (you!) and creating new income flows.   Learning new skills, investing in property, starting a part-time business on the side of your day job.

Before you take any personal drawings, to have fun with, as a shareholder in your business.  For example, refurbishing the office (your house), or taking the staff (you) on holiday.

Like any business, you should always be looking out for opportunities to increase cashflow and profits, because those extra earnings can be put towards buying, what we in The Money Gym call “income producing assets”.  Similarly, you should always be looking for ways to cut overhead, without affecting quality and almost as important, quality of life.

Because you are your business, and you are your main asset.  You need looking after.

The more of those income producing assets you can invest in and accumulate, the quicker you can become financially free, as the income from your assets outstrips what you need to live on.

And that’s the day you never have to work again, if you don’t want to.

Because you are financially free.

Ron Holland | One Big Thing

On our private Money Gym Google discussion group we often share great stuff, and as one of our members interviewed Ron Holland recently – actually his ears must be burning as we have been talking about him a lot – another shared this email she got from him.  I love action orientated material so I thought I would share it here.

“Over the years I have developed strategies for success by carefully emulating people greater than myself. By reading hundreds of biographies of great men and also working closely with numerous millionaires I noted one trait they all have in common.

They DISCIPLINED themselves to accomplish ONE BIG THING every day that would have a profound effect on their lives.

Most people do not run their lives like this. They allow themselves to get bogged down with trivia and at the end of every day they haven’t moved forward, most just managing to keep their heads above water; many living lives in quiet desperation.

You may want to start by accomplishing ONE BIG THING every week and if you start to be honest with yourself the ONE BIG THING that needs doing will be apparent.

It could be that you actually have to put an advert in the paper to….

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Money Gym Success | Debbie Bissett

Debbie Bissett, dynamic business woman and Money Gym Gold client, shares some of the secrets of her success and how we “coached” her into starting to make money for herself, rather than always for other people.   This video is a 10 minute clip from the Money Gym Business Surgery workshop, which we filmed for our Gold clients in India, Switzerland and Australia.

Effective Goal Setting – Or Setting Yourself Up For Disappointment?

Nicola says:  When I was just getting started in personal development and wealth creation, I diligently worked through every exercise in books like Colin Turner’s “Swimming With Pirahna’s Makes You Hungry” and Stephen Covey’s “7 Habits Of Highly Effective People” and I ended up setting goals for myself.

I had never set goals before in my life….. oh, sure! I had some vague “wants” but I’d never set goals and when I think about it, there were two main reasons why.

1. I had no idea HOW I was going to achieve those goals – for heaven’s sake, I didn’t even know what the word strategy meant!
2. I was scared to write down a goal, fully expecting to NOT achieve it and then be disappointed with myself when I found the piece of paper later, in a drawer somewhere.

Essentially, I had no idea that you can set a goal, then make a plan to make it happen.  How funny that seems now….although I am now a great believer in setting goals with no idea of how to make them happen at first!

Judith thinks I’m a bit barking when I talk like this, because she’s set goals and achieved them, barring a few unforeseen exocets, all her life.

So all this said, when we launched our Money Gym Silver Elite programme this week as a pilot for the main launch in September, one of our main aims was to encourage the Silver Elite participants to create some goals for themselves, for the programme, and to encourage them to create a strategy (plan) for how they were going to achieve them – specifically how they were going to achieve them within the 90 days of the programme.

We hosted the first webinar and discussed the subject thoroughly (albeit with a frustrated Judith listening in, unable to contribute as much as she would have liked, due to techie issues) and we came up with the following goal setting process which I wanted to share with you.

Marian’s (Shorter Version) Goal Setting Format:

• Set your goal(s)
• Work out your compelling ‘why’
• How will you achieve your goal?  (Think, brainstorm, strategise…)
• What are the obstacles, turn ‘em around and make them challenges and blast through them
• What time will you commit to the goal (& is it more time than you spend watching TV or sitting in pub!)

Nicola’s (Longer Version) Goal Setting Format:

1. Think of between one and three goals you would like to achieve in 90 days
2. Run them through the SMART process – Judith, could you elaborate on that one?
3. Tell us WHY you want to achieve them – what difference will it make in your life?
4. Work out where you will need to be with each of them, to be a third of the way there in 30 days, two thirds of the way there in 60 days.
5. How much time per week do you have to work on your 90 day goals
6. When are you going to work on them?  Saturdays? Sunday mornings?  Tuesday evenings?
7. What steps do you think you need to take to move into action?
8. What is going to stop you?  What are your perceived obstacles?
9. What would be the outcome, if you turned those obstacles around into outcomes?
10. What are you going to do first?  This week? Before the next call (commitment in public via the Google Group to at least one action step please)

Judith’s (SMART) Goal Setting Process

A SMART goal, for what it’s worth, and it won’t suit all, is

Specific
Measurable
Achievable
Realistic
Timed/timelined

Thus a goal like S posted yesterday “To attract 1000 Twitter followers within 30 days” is all of the above – if she has a plan to achieve it.

The point about this SMART process is… you know whether you’ve done it or not.

So tell me via the comments box here, do YOU set goals?  How do you do it?  What are your challenges around goal setting?

Love to hear what you think!

How To Remain Productive When You Feel Like Giving Up” by Yaro Starak

Nicola says: One of the people I most admire in the blogosphere is Yaro Starak, from the Entrepreneurs Journey blog.  He writes from the heart, and writes well and intersperses his blog postings with techie stuff (such as the execellent reviews of blog themes for affiliate orientated bloggers) and the heart warming stories of his own journey to success, and those of others.  Here’s a great article about how do you keep going – and keep taking action – when you really want to give up, and it’s particularly apt in a week when someone close to me, who I thought would NEVER get going, has started taking massive action.  So cool.

YARO’s ARTICLE STARTS

Like most people, some mornings I wake up and feel less than enthusiastic about working. Sometimes, this feeling doesn’t stem from laziness or apathy, it’s a stronger power, a sense of futility and helplessness.

I know a lot of people look to my story of success as a source of inspiration and that is one of the greatest benefits I enjoy as a blogger, but – and I’m not afraid to admit it – I don’t always feel energized to pursue business and sometimes in my darkest moments, I even consider throwing in the towel.

This feeling is not so common for me now as I have lifestyle flexibility, a more stable income and a better mindset about work, but earlier on, it definitely was a problem. I want to explain how I overcome these moments (and still do the same thing now on occasion) to stay on track and how you can even have a productive day when you are not really feeling the mojo on the inside.

I expect you have felt similar feelings of despair or a lack of motivation at different stages of your business development, especially if you are yet to establish an income stream online that is sufficient for you to live off, or if you are right at the beginning and you have not seen one cent of return for the work you have put in.
Inspired or Dejected

Depending on your world view and personality style, when you hear of the success of others you may either feel inspired or dejected, and while it’s obviously more fruitful to look at other people achieving what you desire as motivation, as a fallible human, jealousy, depression and anger may be your initial responses.

Your mind is your greatest asset for success in business, but it can be just as strong a force of hindrance, sabotaging your efforts, destroying your work ethic and leaving you with no option but to return to the soul destroying job you promised yourself that you would never go back to.
How To Work When You Don’t Feel Like It

One of the characteristics I believe is at the heart of my success and the success of most entrepreneurs, is an ability to keep working in the face of failure and an ability to force yourself to be productive when you don’t feel like it.
Forced Smile

I remember many a time promoting my proofreading business BetterEdit, walking around university campuses placing posters on boards, experiencing a feeling of impatience, a lack of confidence and a constant inner-questioning of whether what I was doing was a waste of time or not.

It’s very hard to be confident of success when you have yet to seriously experience it. In many ways, at this stage of your business career, faith and fake-it-till-you-make-it confidence in your idea has to carry you through the self doubt, the set-backs and the slow growth.

Nothing goes right all the time. Sometimes clients will ask for refunds, or they won’t be happy with what you provide or the universe creates a circumstance you had no way of predicting, which you just have to deal with.

For you beginners out there, one of the greatest challenges you face is your battle with self doubt. Others around you will scoff at your attempt to buck the trend to start a business, your own results will come slowly and for a long time you will have to work every day for little reward. Patience and willpower are necessary at this stage.

BetterEdit offered a great lesson for me. Placing posters on university campuses proved an effective marketing method, but the return on investment was delayed. I put up a poster and it would not elicit a response for months – sometimes even years – so my “pay off” for hard work was far in the future. This meant that I had to believe that clients would come if I just kept at it for long enough.

In hindsight faith in an outcome is easy because the experience is had, before this, you’re playing with chance and believing in the possibility of success without tasting it. If you don’t have tolerance for ambiguity, you better avoid the entrepreneur’s journey.
What Can You Create Today?

One of the things I did and still do whenever I feel less than enthusiastic is to focus on output, rather than the external elements that bring me down. I might feel utterly crushed, but I know if I create something or take any productive action, I continue towards my goals.

The great thing about output is the power it has over your mood. Negative emotion breeds negative actions – lying in your bed or watching TV for example – or a lack of any action at all. If you focus on creating something and just take one little …..

Read The Rest Of This Excellent Article By Yaro Starak Here >>

What Does It Take To Get A Good Job Nowadays?

In the news and on the BBC News Website this week I notice “Students should get work experience to boost their chances of getting jobs in the downturn, the head of the CBI says. Richard Lambert says students must get skills and first-hand experience of work while still at university. Launching a report with Universities UK on preparing graduates for work, Mr Lambert will say competition for jobs in 2009 will be particularly intense. Of the 581 recruiters surveyed for the report, 78% rated employability skills, such as team working, as essential.

And of the 80 higher education institutions which responded to the report’s survey, 91% thought it likely or highly likely their graduates would acquire five out of the seven desired employability skills while at university.

EMPLOYABILITY SKILLS INCLUDE:

• Self-management
• Team working
• Business and customer awareness
• Problem solving
• Communication and literacy
• Application of numeracy
• Application of information technology

The report, Preparing graduates for the world of work, gives examples of how businesses and universities are working together to offer students work placements during their studies and to incorporate employability into courses.  For example, at Surrey University 70% of undergraduates participate in “professional training” or workplace-based skills development, usually as the third year of a four-year course.  This training is open to students studying all subjects, even those not traditionally regarded as vocational”.

Read the rest of the article here >>

This article came to my attention in the same week as my best friend is telling me that her graphic design student daughter has made a five year plan, to offer herself in her summer holidays, as an unpaid intern to top level companies around the world, which will look great on her CV, give her essential and practical workplace skills, and enable her to make valuable post-graduate contacts in the very world she wants to work in.

Good girl!  Very pro-active and forward thinking – and what a refreshing change!  She doesn’t think she deserves a living, but is going to do everything in her power to make it happen.  She wants to work in high-end magazines as a creative director / graphic designer and places like Vogue & Tatler have long been filled with well-heeled youngsters working for nothing, in order to get that all-important name on their CV.

Similarly in the music industry, many of the creative staff at record labels, recording studios and management companies work for nothing to get experience, contacts and on the job knowledge.

We are currently looking for a Money Gym intern – a practice very common in the USA but not so much here in the UK – although Alan Sugar is all over the radio at the moment, promoting the Apprenticeship Programme – read some of the case studies and find out more here>>

The challenge with apprenticeship programmes is that they are highly regulated, with loads of paperwork involved.  This puts off lots of smaller businesses.

Internships are less formal, often sorted out between the “old boys” or “old girls” network and benefit both parties.  Wikipedia describes them thus:

“An intern or stagiaire is one who works in a temporary position with an emphasis on on-the-job training rather than merely employment, making it similar to an apprenticeship. Interns are usually college or university students, but they can also be high school students or post graduate adults seeking skills for a new career. Student internships provide opportunities for students to gain experience in their field, determine if they have an interest in a particular career, create a network of contacts, or gain school credit. Internships provide the employers with cheap or free labor for (typically) low-level tasks (stereotypically including fetching coffee for the office), and also the prospect of interns’ returning to the company after completing their education and requiring little or no training.

An internship may be either paid, unpaid or partially paid (in the form of a stipend). Paid internships are most common in the medical, architecture science, engineering, law, business (especially accounting and finance), technology and advertising fields. Internships in non-profit organization such as charities and think tanks are often unpaid, volunteer positions. Internships may be part-time or full-time; typically they are part-time during the university year and full-time in the summer, and they typically last 6-12 weeks, but can be shorter or longer. The act of job shadowing may also constitute as interning.

Internship positions are available from businesses, government departments, non-profit groups and organizations. Due to strict labor laws, European internships, though mostly unpaid, are popular among non-Europeans to gain international exposure on one’s resume and for foreign language improvement.

Types of internships

An intern type means doing internship in an organization or in specific subject of study. Internships exist in various industries and settings. Here are two primary types of internships that exist in the United States.

1. Work experience internship: Most often this will be in the second or third year of the school period. The placement can be from 2 months to sometimes even one full school year. During this period the student is supposed to use the things he/she has learned in school and put it in practice. This way the student gets work experience in their field of study. The gained experience will be helpful to finish up the last year of the study.

2. Research internship (graduation) or dissertation internship: This is mostly done by students who are in their last year. With this kind of internship a student does research for a particular company. The company can have something that they feel like they need to improve, or the student can choose a topic within the company themselves. The results of the research study will be put in a report and often will have to be presented.

The practice of a mid-career person taking an internship (see Returnship) is relatively new to the U.S. but becoming more common due to the current economic crisis”

Read more here >>>

At The Money Gym, we have decided to look for an intern rather than outsource to the cheaper countries.  Here’s the spec so far:

One energetic, bright, quick, action orientated, IT literate “Superstar” is to be offered the chance to work with Europe’s best wealth creation education company.

You give us your all for a year, and we teach you everything we can!  There is no pay so you need to be financially independent or living at home with an allowance.

You will then either go off to work for someone else (at a very high salary because you will be so valuable), you can start your own business or become a highly paid freelance consultant who can expect to command upwards of £1000 per day.

You are ideally UK based within easy reach of London, and have a keen interest in wealth creation – or open to the idea.

You are desperate to learn how the whole world of wealth creation, property investing, internet marketing, event organising works, and you are outgoing, friendly and unflappable.  You have a good computer at home and already use some of the Social Networking sites and are able to upload a short video to YouTube.

We are fast, fun, friendly and expect very high standards – we work hard and love what we do, and expect you to, too!  Some weekend work occasionally is required as we host workshops at weekends sometimes.

Your “can-do” attitude and positivity will be infectious and you will have already demonstrated some success in your life, be that at school, work or in helping others.

Attitude is more important than experience and you would by no means describe yourself as “fluffy”.

We will be inviting you to upload a video to YouTube to tell us why you want the gig, but first, we want to see if we have covered everything in order to be able to attract the right person.

What else do you need to know from us in order to be able to convince us you are the right person for this fantastic opportunity?

This is the deal, if you have any questions or comments, please use the comments box on the blog to ask them.

Brilliant Short Talk On The Challenges of Being Creative | Elizabeth Gilbert | TED

In this fascinating short talk, Elizabeth Gilbert muses on the impossible things we expect from artists and creative people — and shares the radical idea that, instead of the rare person “being” a genius, all of us “have” a genius. It’s a funny, personal and surprisingly moving talk. The author of “Eat, Pray, Love”, Elizabeth Gilbert has thought long and hard about some large topics. Her next fascination: genius, and how we ruin it. Full bio and more links >>>

This week I’ve been pondering the pain of “coming down” after a great speaking event, which I’ve always attributed to the adrenaline comedown.  A doctor once told me that adrenaline was the most powerful drug in the world – stronger than heroin.  Especially hard when you come home to a quiet dark house, after being surrounded by bright lights and hundreds of people.  In the very final moments of this talk Elizabeth flags up why creators and performers of any kind might find it so hard to “come down” after experiencing the Creative Flow, and why so many of them use destructive crutches of different kinds to cope.

Thanks to Claire Westwood, from www.HappyNurses.co.uk another Creator / Star in Roger Hamilton’s Wealth Dynamics terms for flagging up this amazing video from the TED website.

Attending TED by the way is one of my “Top 100 Things To Do Before I Die”. See my other post on that topic for that list which I’m adding to all the time…

Part 2: Cashflow Is King

As the news on the TV and in the papers gets worse and worse, I keep hearing about cashflow crisis, and investments underperforming, and companies going bust, and jobs being lost.

Judith and I are increasingly feeling as if we have to alert you to what’s really going on out there and so I’ve written a series of three articles that cover everything we want you to know about looking after your money right now.  The titles might look like clichés but the content certainly isn’t.

Part 1: Time Waits For No Man

Part 2: Cashflow Is King

Part 3: Delegate Don’t Abdicate

More importantly, we feel we want to alert you to how you need to change the way you do things, to roll with the changes taking place out there in the financial world.

Part 2:  Cashflow Is King.

We have to preface this section with the fact that “the times, they are highly unusual” and while we all knew trouble was coming via the stock market, thanks to Robert Kiyosaki’s “Prophecy” book, nobody foresaw the sub-prime crisis and subsequent credit crunch.

Who would ever imagine that banks and building societies, whose profits come from lending, would stop lending almost completely?

Who ever imagined that there would simply come a time where there was, allegedly, no money to lend?  No money in circulation at all?

There were billions sloshing around the world last year, being lent and repaid, being used and earning interest.  Where has it all gone?

As Andy Shaw said on his blog recently, has someone come along and nicked it all in the night out of the vaults?  Did someone make a bonfire out of all the cash?  Are there millions stashed somewhere, under someone’s bed?

Or is it more likely that the banks and building societies are not lending because they are protecting their future cashflow?

Are you running your business – and more importantly your cashflow – as if you are going to carry on attracting clients in the same numbers as last year?  Have you redone your personal cashflow projections to take into account the fact that your personal income might drop?

I know for a fact that you probably haven’t, because most people don’t project their cashflow at all.  Even business people, who project the cashflow for their business, don’t project their cashflow for their personal money.

Have you upped your marketing by 100%, 200%, 300% to take into account the fact that your existing clients might drop by 25%, 50%, 100% or that they might spend less with you?

Probably not, because the first place most business cut back is on their marketing.  Instead of looking for effective, low cost ways to increase their marketing.

What does this mean for you, if you are not a business owner?

Every time you pay someone for something, particularly if it’s a high ticket item, do you think to yourself, will this company be around to deliver this service or item in six months time?

This last thought popped into my head as I watched Theo Paphitis on Panorama, telling us how the credit crunch is affecting normal, ordinary, well run businesses who previously had relied on overdrafts and loans to keep their company going if clients dried up, and turnover and profits took a sudden temporary downturn.

Even big businesses, sound businesses, profitable businesses are finding that, if your customers stop buying AND the banks won’t lend you money to tide you over, you have a major league problem.

Previously, the business owner would refinance their own houses, to keep things going, but that option is not available either – no mortgages and lower property values as those who simply MUST sell, drop their prices to get a sale.

It’s a right old mess.

While feeling very bad for those worst affected, I feel this might be time at last for the ordinary person to make changes to their thinking – that a job is all you need in life to pay your bills and be secure.

No, you need a job and a small business on the side.  THEN when that’s up and running, you need multiple streams of income from your business once you get to the point of what Michael Masterson calls your “lead product” selling well and profitably.  Great book btw, “Ready Aim Fire!” and I’m on my second read through.

I also consoled myself this week that due to the difficulties with the hotel a few years ago, I’ve been unable to over-extend my personal or business finances.  And I’m glad about that.

I’m also very glad that Judith, having been through a couple of recessions and had very hard times herself, runs our cashflow with an eagle eye, always planning our cashflow so far in advance that, even if we attracted no more Gold clients, ever, or Membership Club Magic clients, ever, we can deliver what we’ve sold to date.

Worst case scenario, if I dropped dead, Steve and Judith and our coaches could deliver our coaching services sold, and if J went, we would cut back our live events drastically as that’s her baby, while trying to find another brilliant financial whiz.  If Steve went…..hmmmm, that would be a challenge as he’s taken on so much of the techie and design stuff which he really excels at, but we COULD put all new projects on hold, till we found someone.

Horrible thoughts but we all need to “stare the bugger down”, in the cleaned up words of Tommy Murphy, in Murphy’s Law.

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