Are You Sick of How Things Are Working Out Right Now?

I’m sitting in my home office in Silicon Valley today while writing my accountability blog post. The sun is shining through the window on my face and I feel pumped up! I want to share some life changing experiences with you I’ve had this week in my coaching practice.

Albert Einstein said the definition of insanity is “doing the same thing over and over and expecting different results.”

I’m sure you agree with Einstein. A little professional support can be the one thing to help you change your unproductive patterns and realize outcomes you want now to show-up in your life. I’m so excited about supporting my coaching clients in producing positive results in their lives which they wouldn’t be able to create without my support.

You see, I’m their accountability coach. I help them see their “blind” spots. I help them clearly define their goals and create measurement systems.  Using my system, my clients know immediately if they get off track and when their goals are met. Do you realize that people don’t do what they don’t want to do even if it jeopardizes there goals and desires? This is mostly a subconscious phenomenon.

I’m convinced! Accountability coaching is such a huge factor in fine tuning my performance now that I see it in action. When you’re held accountable for your commitments, you learn so much about who you are and why you make the choices you make in business and life. Being straight with yourself helps to uncover the unconscious patterns of behavior in your life that are not serving you well.

Patterns are like software programs in the way we feel, behave, and how we respond to our commitments. You may be familiar with some of these situations:

• I’m afraid of what’s going to happen in the future if I don’t get my business generating money soon
• I’m always late to appointments and I look like I’m not really committed
• I hate making my calls, so my business suffers
• My affairs in business and life don’t work out like I want them to because, for some reason, I don’t spend the time to nurture my relationships
• My days go by and I don’t get to the most important things on my priority list
• My family and friends don’t recognize my value as a person
• I’m bored and life seems so limiting

I’m certainly familiar with all of these challenges. What about you?

The feelings you have when these thoughts dominate your thinking serve to warn you that you’re not meeting your needs and to do something about it. The reason why we continue to repeat these limiting “mental software programs” over and over is they do provide us value in some areas, but now we are in business and we are responsible for the bottom-line. We are responsible for what happens in our relationships and the results we experience.

These automatic ways of responding prevent us from having success with our most important goals. It so easy for us to convince ourselves we have valid reasons for missing the mark.  A little accountability can reveal a big problem.

Who in your circle really holds you accountable for your goals? Whether it’s friends or family, no one will challenge you like your coach to stretch your talents and abilities to attain your goals. You only need a coach if what the coach does represents a significant value in your life beyond what you typically would do on your own. A stretch for one person may be routine for another.

The problem has been with us for a long time. It’s referred to in the New Testament by Apostle Paul in the book of Romans. Paul acknowledges he is faced with the same challenge of saying one thing and then doing another as I write about in this post. He then offers hope to those who believe there’s a way out. Paul’s solution is to come to the truth.

Can I get an amen! As your accountability “preacher,“ I also want to share with you a message of hope. Come to the truth about yourself and be a whole, fulfilled, and authentic person. Align your actions with your words. And then be willing to stand in account for any inconsistencies in your life. “The truth shall set you free.”

It’s our “blind” spots which we are not aware of that effect us the most. Where I am right now in my business and life, coaching is the thing that’s going to get me to the next level.  Depending solely on learning from listening to CDs, DVDS, and reading books and course materials won’t get me to where I desire to be in the next 90 days to six months. I already have thousands of dollars worth of these inanimate resources sitting on my shelf. And I already know what I want and need to do! Studying a book won’t hold me accountable.

There must be a better way to fulfill your goals and dreams! I have coaches who help me with strategy, assessing my strengths and weaknesses, and I also have an accountability partner who I meet with every morning for 10 to 15 minutes and we help sculpt each other’s day in a powerful way.

You may be asking yourself why Coach Donald has coaches. It’s because I’m unable to uncover my own personal “blind” spots. Coaches realize this fact. Corporate executives rely on coaching to maximize their performance.

Time is my most valuable resource and I don’t want to waste it. Time is more valuable than money. We tend to hold on to our money but waste our time. It’s crazy! Isn’t it?

I need someone who can see through my “bull” and make me aware of how I’m sabotaging my own goals. I want to be held accountable for my “word”. And what I commit to I really want to accomplish in a timely way and with less stress.

Having a coach is like making an investment. You expect to see a return on the deal you put your money into. When you hire a coach, you should expect the same kinds of returns on your investment.

Do you have challenges doing what you don’t really want to do? If you’re tired of missing out on the things that are the most important to you in your life, and you need to get them done in the next 90 days to 6 months, keep on reading for the solution.

I want you to consider working with me as your business coach because I have the coaching expertise and business acumen to help you powerfully sculpt your future. You will learn so much about yourself because I will hold you accountable for your commitments and help you create new support patterns and systems to enable you to stay on track.

My Coaching Tune-Up sessions focus on helping you save time and money by supporting you in shaping the life you want. What is it you need to get done in the next 60 days to six months? It’s about getting you fined tuned to the way you want to show-up in your business and life.

Sign-up for a complimentary Coaching Tune-Up with me today to get some valuable coaching around your specific goals. I promise you will receive tremendous value during our complimentary session.

Let me share with you a little about where I’m focused on today. Fortunately, my business allows me to do 90% of my communications via the Internet, phone, email, and fax allowing me to engage in one of my passions: travel.

I’m realizing life is too short and I want to start living now while I have good health to enjoy some of the things I love to do.  I love experiencing new cultures and learning new languages. I love great food, being by the ocean and walking on the beach. I love the smell of trees and the rustle of leaves in the wind.

My focus now is about having balance in my life. And I am held accountable by my coaches for producing these results for myself and family. I know the missing thing for me is I want to satisfy more of my meaningful desires.

I’m so excited about my journey to transform my self to do more and be more of what I want in life. Do you need support in getting those things done you know you won’t do? Call me today at (866) 323-9123 and I’ll give you a free coaching session so you can see how my support can help you to minimize your frustrations and move towards your goals and desires.

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1. Are You Really Accountable for Your “Word”?
2. Business Leaders Discover the Value of Being Coachable

You have assets in your business such as invoices and purchase orders to help you get control over your worrisome cash shortages, which are keeping you up at night. You don’t need to worry anymore, because I can help you get over your cash flow hurdles!

Have you been turned down for a loan from your bank? Asset based lending such as factoring or purchase order finance (POF) is often misunderstood.  You can use POF when traditional banking options turn you down. Banks traditionally focus more on your business past performance. Purchase order finance lenders look at the value of your business assets (E.G., invoices and purchase orders).

POF Defined

Purchase order finance is a financial service that enables a business to purchase raw materials or finished goods for products to be sold in a matter of weeks. It is short term financing and usually paid off within 30 to 60 days.

For example, “The San Jose, California Police Department received an order for one hundred servers, dual processor computers” The police department used a purchase order to buy their servers from Dell Computers. Dell promised to deliver the order in 30 days. Dell used POF once Dell received the PO from the police department so they would have the cash on-hand to pay their suppliers for computer parts and salaries to build the 100 servers which the San Jose Police Department ordered.

I’m making the assumption that Dell needs to use POF because they are cash constrained or they use POF as a financing strategy. This is an over-simplified example, but it gives you the ways how POF could be used to finance your transaction. I have more examples below to help you further understand how POF (or asset-based lending) can work for you.

Benefits of Purchase Order Financing

• Expand your capacity with your key suppliers
• Guarantee timely deliveries to your customers
• Take on larger orders to increase your financial bottom line
• Expand your business without increasing your debt or selling equity
• Leverage cash now to pay your suppliers,  for marketing, payroll expenses, and other things you need in the short-term

POF will work for your business if you have orders from creditworthy customers, but don’t have cash right now to pay your suppliers so you can deliver the product or service to your buyer. When you find yourself in the position of not being able to promptly fill your customer’s purchase order, this can be a precarious situation for you. You may be at risk of losing the order and the profit to help you pay for critical operating expenses. Beyond your inability to deliver the product or service on time, you may lose future orders from this buyer. And that ain’t good!

You will need PO financing when:

• You need expertise to handle the financing
• You need additional working capital
• You need a quick response to an immediate sales need
• You don’t want to incur additional credit risk (domestic nor foreign)
• You don’t want your Customers and sellers to know each other
• You want the opportunity to make additional profit

Purchase Order Finance Criteria

• Management expertise and proven products
• Well developed sourcing strategy
• Bona fide and Non-cancelable purchase orders

Candidates for Purchase Order Finance

• Companies in start-up or growth phases can use your purchase order or contract from a credit worthy customer to pay for your raw materials, products, and payroll. POF is a great financing option for companies involved in Intellectual Property, Start-Ups, Services, or Consulting.  You probably recognize all of these situations include companies that have no hard assets as collateral.

• Your customer must be reputable with a good credit line. And, your purchase order must be verifiable.

• Usually POF is more expensive than factoring your invoices. It’s another financing alternative for start-ups, companies less than 2 years old, and companies with the opportunity to grow. One good thing about POF for you is your company can avoid debt payments and you don’t have to give up any equity for Venture Capital funding.

The POF Process

I offer factoring and purchase order finance through my Money Tree Program. Money Tree qualifies you and your customers and suppliers, and manages distribution of funds.

The process is straightforward. You provide me with a copy of your customer order and a cost projection of your cash requirements to fill your customer’s order.

I pay your vendors or suppliers directly for goods or services you need to deliver your customer’s order. Once you’ve delivered the goods or services and they’re accepted by your customer, you then have an accounts receivable. At that point your contract with my MONEY TREE program will convert to a Factoring transaction.

International Business

Your suppliers may be located outside the United States. I can help you make payments to your foreign suppliers through Commercial Letters of Credit. Commercial Letters of Credit can shield you from the danger of importing products from foreign suppliers. I’ll give you examples of how this is done in future posts.

Call me right now at (866) 323-9123 with your POF questions and concerns.

In my next post, I will discuss the MONEY TREE program and how it can benefit your business; just one of the many resources at Donald Hunter(TM) Financial. Contact me for your personal complimentary consultation and sign up to receive a free copy of my Business Survival Guide for 2010.

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1. Would Unlimited Access to a Money Tree Improve Your Cash Flow?

My Sales Coach

Eric Lofholm has been my sales mentor since September 2008. I’ve learned his advanced sales process to consistently generate leads online and offline. Eric has taught me the three most important sales systems I need in my business:

1. Lead generation
2. Appointment setting
3. Lead conversion

I’ve used these three systems I learned from Eric to grow my business while networking offline and in my online marketing.

One of the things I want to do for you this year is to bring in speakers, coaches, and other real estate and financial professionals who I feel can help you get to the next level.

On February 2, 2010, Eric Lofholm and I will collaborate to bring you a complimentary conference call to share with you powerful ideas for growing your business in 2010.

To take advantage of this valuable opportunity right now, sign-up today to secure your spot in this conference call with me and Eric on February 2, 2010.

I look forward to sharing one of my most valuable and trusted mentors with you. You will find Eric’s bio below.

“Share” or “tweet” this blog post below, so your friends and colleagues have the opportunity to acquire new sales strategies and tactics during such a critical time for their business survival.

Working With the Donald:

1. Sign-up for a complimentary strategy session with me to work through any concerns you have with business finance, real estate investing, or business coaching.
2. I have a free report in getting your business financed with “Business Survival” tips that you can sign-up for to the right of this post.
3. For all of you interested in real estate investing or buying or selling a business, sign-up for my investing webinar which helps you discover if investing is right for you.

Eric’s Bio

Eric Lofholm is a Master Sales Trainer who has trained tens of thousands of sales professionals nationwide. He is President and CEO of Eric Lofholm International, Inc., an organization he founded to serve the needs of sales professionals worldwide.

Eric began his career as a top-producing sales representative for 3 different sales organizations. His consistent track record of regularly outperforming his fellow sales reps earned a reputation of success that follows him to this day.

Eric has been trained by the top coaches of his time including: Anthony Robbins and Dr. Donald Moine Ph. D. as well as countless others. He has an insatiable quest for knowledge that he feeds by reading, listening to audiotapes, and regularly attending seminars.

For more information, visit www.EricLofholm.com.

Many of America’s top companies hire Eric repeatedly to train, motivate, and inspire their sales teams. His clients have added millions of dollars in sales to their records after attending Eric’s energetic and groundbreaking seminars.

You have a once in a lifetime opportunity to hear directly from Eric free of charge through my complimentary conference call.  Sign up today!

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1. Breakthrough Sales Ideas for Small Businesses In 2010

I want to shine the spot light for you on a financial product being sold today by multi-level marketers (financial salespersons), which isn’t good for distressed property owners, and accounts for around 23% of homes in the United States. Now, this product doesn’t have the same magnitude of disaster we’ve seen so far with toxic mortgages, but you should be aware of a few important facts about this product. And I’m not going to be silent about its potential negative consequences.

This product is software that requires you to pay $5000 to help pay down your mortgage in half the time. If just 10% of homeowners would make this investment, these multi-level marketers will make a killing while pushing distressed property owners further into debt.

I began my Certified Financial Planner courses in 2005 at Kaplan University because I want to be more than just a financial salesperson. Every 30 days (for six months) I had to take a mind bending exam for my certified financial planner training. In 2006, I told friends and family to sell their homes because the real estate market in the U.S. was way overheated. Some listened. Others got out and reinvested in another state and ended up in foreclosure. I thought they realized it was a U.S. problem and not a California problem. And it turned out to be a world problem, didn’t it?

Mortgage conferences I attended summer of 2006 discussed the government requiring “suitability” laws in purchasing homes like we have for purchasing stocks. The U.S. government offered up homeowners as prey for ambitious financial salespersons. And after all of this, some politicians still think consumers don’t need to be protected from self serving financial salespeople. You’ve got to protect yourself!

I heard lots of financial professionals talking about how we were heading towards a big crash, but only a few warned the market about the fraud that was occurring. In 2004, Private Mortgage Insurance (PMI) in Walnut Creek, California, refused to write insurance on high loan to value debt because they believed the properties were over valued. Then, they went silent on the issue. I wonder who told them to hush. I’m sure you can probably guess.

My reasons for warning you about this product which promises you can pay down your debt in record time is based on my certified financial planner courses. Here is my analysis for why this product is not good for distressed property owners:

• Property values are still falling!
• Mortgage interest rates are at an all-time low
• Your age is a huge factor.
• You don’t know how long it will take for the real estate market to recover.
• You don’t need to buy software and pay $5000 to pay your mortgage down in half the time! And, you should think long and hard about sinking more money into your home than required while the real estate market is in turmoil. Diversify your investments instead.
• You simply need to understand the financial rationale for paying down your mortgage faster and just create a plan to follow and keep your $5000 in the bank or off your credit card. Most financial people can tell you how to do the same thing this software does yourself!
• You should pay down high interest rate loans such as credit cards. Pick the one with the highest interest rate to pay off first, and so on.
• Cash is king right now. You need reserves of six to nine months for emergencies. I’m sure you’ve heard Suzie Orman, the TV financial guru, talk about why it so important for you to have an emergency fund. Ms. Orman is also a Certified Financial Planner like me.

You can see my reasons why it is unwise for you to pay down your mortgage right now. The risk you are taking is huge to put more money into your home than your bank requires. If you’re able to cover your fully amortized mortgage payments at this time, then that’s good enough until we see where this economic crisis leads us.  Paying down your mortgage in half the time while interest rates are at an all time low doesn’t make a lot of sense to me. You run the risk of throwing your money down the drain. Your property may continue to decline in value and who knows what other financial challenges life will bring your way! Does my analysis make sense to you?

It would be better for you to diversify your investments to reduce your risk. If you have extra cash to invest, look for investments that will give you cash flow or a positive return based on your time horizon. Diversifying your risk was one of the most important concepts tested in my certified financial planner training.

Consolidating debt also makes sense–home equity debt consolidation. If you can get a lower interest rate by consolidating, then you will benefit by lower monthly payments right away.

If I had to choose between paying down my mortgage faster or refinancing my home, I’d refinance to get a lower interest rate.

Donald Trump said “If it sounds too good to be true, then it’s probably not true.” If a multi-level marketer says to you to buy consumer or business products and services from them and they’ll give you points towards paying down your credit cards or mortgage, it’s too good to be true. You most likely can find the same products and services on the Internet for lower prices. I would suggest you try Wal-Mart first! Don’t fall for this multi-level marketing nonsense! They’ve developed a convoluted scheme to line their pockets with your money, which offer you no real value.

Social Media Experts!

If you don’t have a finance background, I’d suggest that you don’t promote financial products. I’ve seen social media experts helping to promote this financial product and other ones recently. They said they “felt” that the products and services were the best thing to help distressed homeowners. I think they were being paid handsomely and didn’t disclose it. Some internet marketers have gone to jail for this kind of scheme recently. One marketer even had testimonials which said thousands of homeowners felt they benefited from this product.

I think social media experts should stick with social media and let licensed professionals and people with certified financial planner training judge the efficacy of financial products and services.

Just because a home owner is happy with a financial product and gives it rave reviews doesn’t mean anything about its financial value. People loved “option ARMs” and other toxic loan products until they blew-up in their faces. And that really wasn’t their fault! People buy based on emotion and emotions are running very high at this time. And your friendly financial sales person wants to take advantage of your emotional distress with product and services which promise you good things, but in reality lack sound financial benefits.

Mortgage Brokers and Subprime Mortgage Lenders

You sold consumers toxic loans like “option ARMs” based on emotion. You said things to them like “Imagine what it’ll be like when you move into your new home”! You wanted them to convince themselves to buy right now. And you’re so hypocritical because you now say it was their fault they signed onto such a ridiculous loan. And now you’re selling this software product too because your loan commissions are down.

You depend on financial professionals to tell you your options with full disclosure so you can make an informed decision. When your financial professional is more motivated to earn a commission from your financial distress, you’re in serious trouble.

You might ask: are you the judge and jury? No. I am simply pissed off because I think these multi-level marketers know they’re taking advantage of distressed homeowners for their personal gain!

I had the opportunity to sell this product two years ago and I rejected it because I felt homeowners could do themselves what this product does if they only had a 30 minute consultation with a Certified Financial Planner. If it was free to you, it might have some value. But, $5000 (I would be willing to bet) is a bit of a stretch for you today! You want products and services which offer real value and make sense for your financial situation.

The United States and the world are in big trouble today because financial salespersons sold products which had huge risks built in for consumers. These financial wannabe gurus don’t know anything about tailoring financial solutions to fit your specific situation!

Who Can I Trust for Financial Advice?–Independent Financial Adviser

Given where we are financially in the United States, I’d recommend you speak with a financial advisor who’s been through certified financial planner training. Certified Financial Planners are held to a strict financial standard. If they sell you “crap” and you find out later that it was junk, you will have more success in taking legal action against them. Most Certified Financial Planners will help you make better financial choices for your life. My certified financial planner training prepared me to objectively look at my client’s specific situation, analyze their documentation, and make sound recommendations.

I passed my Certified Financial Planner courses in 2006. You can call me at (866) 323-9123 or sign-up right now for a complimentary consultation to get my advice on your financial case. I hope whatever choices you’re considering you will first speak with a Certified Financial Planner before you get involved in a financial scam.

During your consultation with me, we’ll cover ways you can diversify your investments and other financial options you should consider for your specific financial situation.

You can easily “Share” or “Tweet” this post below to make more distressed property owners aware of this scam.

If you’re interested in commercial finance and business “survival” tips for 2010, you can sign-up for my free Business Survival Report to the right of this post.

You will find all of my contact information at the bottom of every post.

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Men and Women Survived Great Odds!!

Can you apply these tips in your business to overcome your financial challenges?

Dear Friend,

I watched a video on Saturday where a man spoke from a conference room in Austin, Texas. He talked about the most valuable thing he knows. What do you think it is?

I’ll get to that in a minute. But first, let me say that this man’s secret is linked to your survival right now. In fact, it is linked to your financial survival in 2010.

There’s a great book this man recommends that will help you a great deal. It’s called “The Survivors Club,” written by Ben Sherwood. In this book, there are over 300 pages of stories about men and women who have survived seemingly impossible odds.

I think these amazing stories will help you face troublesome financial challenges in your life. For example, one woman fell out of a plane that exploded without a Parachute. She fell 33,600 feet…and lived! Another person was on the 83^rd floor of the World Trade Center when it collapsed to the ground. He lived. Another woman was attacked by a mountain lion while riding her bicycle in California. The mountain lion bit her face off! She prayed to God for help and somehow people showed up to help scare the mountain lion away. She lived.

I’m recommending this book to you because we all need more faith to deal with our financial challenges and personal struggles. The link to this book is not an affiliate link. It’s just a book I really want to share with you.

How can you survive the worst things in life? The first secret, according to survival experts, is faith. I’ve prepared a special report for you that details this and seven other business survival tips – and it’s yours free!

Sign-up for your complimentary copy of these incredible financial survival secrets right now. All financial cases we see at Donald Hunter™ Financial have one thing in common: your willingness to take corrective action and do the things you need to do to survive. And, sometimes, depending on your financial case, it may require you to demonstrate incredible faith. Call me today at (866) 323-9123 to discover how to make the best of your financial challenges.

You can share this blog post with your friends by clicking on the “Share” or “Tweet” buttons below.

Sign-up for your free consultation to discuss any financial challenges you’re facing with your business or commercial investments. I know this book is going to give you the courage to survive heroically in 2010! No matter what your financial case may be, I want you to know I will help you in anyway I can to survive prosperously.

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