Tag Archives: financial

Iron Rice Bowls and the Impact of Government Funding

  There was an interesting editorial item in The Economist that unintentionally says a lot about the impact of government intervention on industry. In the last generation, the average number of working hours needed to purchase an automobile, clothing or other … Continue Reading

Posted in Economic Trends, John's Opinions, Politics and Regulation | Tagged , , , , , , , , , , , , , | 11 Comments

Investing in Your Own Business: Will It Pay Off?

A few months ago a business owner asked me to evaluate an acquisition offer for his small business. It was from a larger company headquartered in a different region of the country. They had a branch operation in his city, and wanted to expand … Continue Reading

Posted in Building Value, Business Perspectives, Economic Trends, Entrepreneurship, Exit Options, Exit Planning, Life After, Selling a business, Strategy and Planning | Tagged , , , , , , , , , , , | Leave a comment

Goals are More than Just Resolutions

Most of us (at least those who don’t own retail businesses) are in low-power mode at this time of year. Double midweek days off and decompression following the holiday rush allows us time to think. For many, that thinking naturally turns … Continue Reading

Posted in Entrepreneurship, Leadership, Managing Employees, Strategy and Planning | Tagged , , , , , , , , , , , | 2 Comments

Key Man Policies May Not Cover a Buy/Sell Agreement

Over the last few weeks, I’ve had a number of conversations with clients about key man insurance. Let me say at the outset that I don’t sell insurance, and have no financial stake in whether any client has coverage or … Continue Reading

Posted in Entrepreneurship, Exit Options, Exit Planning, Strategy and Planning | Tagged , , , , , , , , , | 7 Comments

Should a Small Business Have a Budget?

“I know that my company is doing OK,” the old joke goes. “I still have checks in my checkbook.” Many small businesses run on a version of checkbook accounting, where anything that isn’t paid out at the end of the … Continue Reading

Posted in Strategy and Planning | Tagged , , , , | 4 Comments

What is Your Company Worth?

A business owner hires a financial planner to help him with his retirement options. They review the owner’s current assets, his house, stock portfolio and other investments. They go over his insurance coverage. Then the planner asks, “What about your company? How … Continue Reading

Posted in Business Perspectives, Exit Planning, Selling a business, Strategy and Planning, Top Blog Posts | Tagged , , , , , | Leave a comment

Left Behind

As business owners, most of us understand that the people who help us get our company to one level may not be the folks who can get it to the next. A great salesman may not be your next sales … Continue Reading

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Is It All About the Money?

If you have more than ten employees, and an outside observer (like me) asks them confidentially to say in one word what their boss cares about the most, what do you think they will answer? We’d like to think that answer … Continue Reading

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Employees aren’t Partners

Many of my clients are recovering from the recession. They are running lean, and have restored their profitability, even if at lower revenues than prior to 2008. Those that had to reduce or freeze employee compensation are seeking ways to … Continue Reading

Posted in Incentives, John's Opinions, Leadership, Managing Employees, Strategy and Planning | Tagged , , , , | 3 Comments

Profits and Savings aren’t the Same Thing

How much profit will you make this year? If you are like many business owners, the answer is “We’ll see.” They consider profit to be the amount left over after all of the business expenses are paid. That’s an accounting … Continue Reading

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You can’t keep a good saying down.

“There are lies, damn lies and statistics.” It’s a great saying, and in the USA is typically attributed to Mark Twain. He, in turn, attributed it to Benjamin Disraeli. That credit is undocumented. What is certain is that it was … Continue Reading

Posted in Economic Trends, Managing Employees, Strategy and Planning | Tagged , , , , , , , , , , , | Leave a comment

With My Apologies to Ray Davies

“Sooo tired, tired of waiting. tired of waiting for youuu.” For those of you who weren’t weaned on British Invasion Rock’n’Roll, Ray Davies is the lead singer and songwriter of The Kinks. One of their earliest hits was “Tired of … Continue Reading

Posted in Business Perspectives, Customer Relations, John's Opinions, Managing Employees, Marketing, Sales, Strategy and Planning | Tagged , , , , , , , | Leave a comment