John's Articles & Media

Are you ready to sell to Millennials?

On February 3, 2017, Charles Schwab Corp announced it was cutting its commission rates on U.S. stock and exchange-traded fund trades from $8.95 per trade to $6.95 per trade. One month later, on March 1, 2017, Fidelity Investments ran full page ads in major newspapers announcing that it would cut its commission rate from $7.95 to $4.95 per trade.

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Why I Do What I Do?

We recently held our annual B2B CFO® partners’ meeting.  As always, it was very informative and beneficial.  The experiences and training cannot be found anywhere else.  The unity and passion for our clients is unequaled. In that regard, we have a newly updated website and on the home page is the video “Does Our Why…

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Starting Line On Grass Lawn

Where Does the Bottom Line Actually Start?

Have you ever wondered where the “bottom line” on profitability starts?  It actually doesn’t start at the bottom.  The “bottom line” starts up higher on the income statement with a healthy Gross Margin (GM) or Gross Profit Margin.  Simply stated, GM is total sales revenue minus the cost of goods (services) sold, divided by the…

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The Exit Strategy Handbook

The premise of this book is simple. It is a tool to help business owners sell their business. Let me help you with an exit plan to increase the value of your business and, hopefully, have multiple buyers who might want to buy your business.

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The National Debt – 101

There’s often confusion about the definition of the national debt and what it actually is. In the simplest terms, it is the debt the nation has accumulated over many years of spending more money than it collects through taxes and other sources. Our founding fathers believed it was immoral to spend more than the government…

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The Budget Deficit – 101

The dictionary defines deficit as a “shortage of something needed or required.” In the case of the U.S. Federal budget deficit, the term refers to the difference between the amount of money collected through taxes and earned interest, and the amount of money the government spends each fiscal year. Inflow compared to outflow. A simple…

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Where Does the Bottom Line Actually Start?

Have you ever wondered where the “bottom line” on profitability starts? It actually doesn’t start on the bottom. The “bottom line” starts up higher on the income statement with a healthy Gross Margin (GM) or Gross Profit. Simply stated, GM is the value of sales less the total cost of the product or service sold.…

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What is the Right Price?

Nothing is more useful than water: but it will purchase scarce anything… A diamond, on the contrary, has scarce any value in use; but a very great quantity of other goods may frequently be had in exchange for it. —Adam Smith [1723-1790] Traditional pricing methods have generally calculated price as “cost + profit.” My experience…

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What is EBITDA (and why should I care?)

I had a question from a business owner recently during a talk I was giving. “What is EBITDA” he asked, and then added, “and why should I care?” The answer to the first question is that EBITDA stands for Earnings Before Interest, Taxes, Depreciation and Amortization.

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