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Play by the rules

And you can’t win?

My first crime fiction novel about an enlightened entrepreneur fighting crime and corruption was called, NO EASY MONEY, with the subtitle “You never win playing by the rules.” It was based on my own experiences and many entrepreneurs seem to agree that both sentiments are true - making money is not easy and you have to cheat to win.

But you probably don’t have to read the novel to know that my intent was to prove that an enlightened entrepreneur can succeed playing by the rules, including the unwritten rules to respect and protect both people and the planet. In the novel, it’s the bad guy who makes the statement, “You never win playing by the rules” and he does succeed in to making fast cash by cheating and stealing from his employees and his competitors, but in the end he loses everything. His crooked business partners are more ruthless and dangerous than him and he does not survive. Bad choices have bad consequences.

It is true that there’s no easy money in business, but cheating and stealing is no way to ensure long term success. Play by the rules and you can still win.

And be proud of how you did it.

Be better. Do Better. Be an Enlightened Entrepreneur.

Del Chatterson, your Uncle Ralph

Learn more about Enlightened Entrepreneurship at: LearningEntrepreneurship.com Read more of Uncle Ralph's advice for Entrepreneurs in Don't Do It the Hard Way & The Complete Do-It-Yourself Guide to Business Plans - 2020 Editions.

 Read more Blog posts at: LearningEntrepreneurship Blogs

 

 

Biggest Entrepreneur Mistake #7

Getting too personal

(An extract from DON’T DO IT THE HARD WAY – Avoid the Seven Biggest Mistakes that Entrepreneurs Make.)

I’m NOT your mother!

 Personal issues that can interfere with the success of your business:

  • Are family members in or out of the business?
  • Should employees be treated like family?

It can be complicated to maintain the right balance between your personal objectives and family role and your responsibilities to the business.

How do you include family members that are interested and capable and still give employees who are not part of the family the same level of satisfaction? Can you make them feel they are valued as effective members of the team without being members of the family? That they still might be the boss someday? How can you treat them like part of the family without confusing the boundaries between boss and employee? Can you even be friends with your employees?

You have to make choices in your management style. I’ve seen them all – from rough use-and-abuse them managers to the paternalistic godfather who insists on getting involved in the personal lives of all his employees. The abusive, controlling style is dysfunctional because it requires micro-management of every detail and creates an environment where employees just try to stay out of trouble and avoid mistakes. But the paternalistic style often goes too far in the other direction creating a sense of complacent dependency, relieving employees of their sense of responsibility and reducing their willingness to take initiative and make independent decisions.

My recommendation is for a management style that is respectful and generous, but encourages employees to think and act like part-owners of the business. Encouraging a sense of responsibility and a willingness to take initiative, even if it means accepting mistakes and their consequences. That style also makes it easier to manage the business and eventually to exit, as the business becomes much less dependent on the owner-manager.

Distracted by Personal Issues

Unfortunately, you can still be distracted by personalities and personal issues that may seriously affect business performance. The distracting personality may be an owner, manager or employee and it can be a mistake if the issues are simply ignored until they become a problem.

Business or Family First?

Family businesses have particular issues to navigate and family members in the business add new challenges. Family members can usually be trusted to take good care of the business. Sometimes, however, that can be a problem too - being too protective of family interests to the point of being paranoid and obsessively micro-managing every detail.

However, family members can still have a powerful influence, especially your parents. I don’t know about you, but I’m still trying to impress my mother and follow the advice of my father.

Listen to Mom

Most entrepreneurs and executives probably don't often think about their mothers on the job – unless she's the boss, like Ma Boyle at Columbia Sportswear. Maybe they should. We’d probably have fewer issues of corporate misconduct if the executives’ mothers knew what was going on. Would your mother be proud of you if she knew what you were doing?

That's why I recommend you use the test ‘What would Mom think?’ before making difficult ethical decisions in your business.

But I am not your mother

I’m suggesting that we might have better decision-making if we asked ourselves what Mom would think. But what about those employees who expect you to act like their mother?

What’s the right level of caring and compassion before it becomes more personal than a working relationship should be? Is there a reasonable limit? Is it appropriate to get involved with issues that are strictly personal? Do employees become part of your extended family with all the additional obligations that implies?

Once managers start offering a sympathetic ear and then a shoulder to cry on, it soon becomes more time-consuming on and off the job and creates a relationship that is difficult to steer back to business only. It also becomes a distraction for other employees and creates new concerns about employee favouritism.

My guideline for these situations would be to decide whether you would, or should, do what is being requested for every employee in the same situation. Offer financial advice or a cash advance? Special working hours or more time off? Bring the kids or the dog to the office? If you would rather not apply the same decision to everyone who might ask, then say no to the first request. Don't start a precedent that you're not prepared to offer to everyone and write into your corporate policy manual. You do have a policy manual, right?

Don't be afraid to clarify the relationship. “I'm your boss, not your mother. This is a business, not a social service."

Don’t make the Biggest Entrepreneur Mistake #7 – Getting too personal

Be better. Do Better. Be an Enlightened Entrepreneur.

Del Chatterson, your Uncle Ralph

Learn more about Enlightened Entrepreneurship at: LearningEntrepreneurship.com Read more of Uncle Ralph's advice for Entrepreneurs in Don't Do It the Hard Way & The Complete Do-It-Yourself Guide to Business Plans - 2020 Editions.

 Read more Blog posts at: LearningEntrepreneurship Blogs

 

 

Biggest Entrepreneur Mistake #6: Let’s do it again

Maybe not.

(An extract from DON’T DO IT THE HARD WAY – Avoid the Seven Biggest Mistakes that Entrepreneurs Make.)

You may have thought, or heard other entrepreneurs say, “I already built one successful business and now I have the time and the money to start something new and do it again. I need a new challenge to keep from getting bored and I don’t want to spend every day in retirement watching my money ride the stock market roller coaster.”

Beware, take care. Look for an opportunity that really leverages your unique skills, knowledge, experience and contacts. Isn’t that what worked for you the first time? Remember what I’ve said many times to other successful businessmen: Making money doesn’t make you smart.  Before you throw your energy and money into a new venture, ask yourself a few important questions.

Another checklist from your Uncle Ralph!”

Let’s call it the Encore Performance Checklist

If you’re determined to boast that you’re a successful serial entrepreneur, not just a one-hit wonder, then ask yourself these questions before you get started on your next venture:

  • What was it that made you succeed in your first business? Did you build your business on your unique knowledge or ability, a new product idea, a preferred customer or supplier relationship? Which of these will apply to the new business?
  • What mistakes have you avoided in the past? Are you about to make those mistakes now?
  • What new risks and challenges are you encountering for the first time?
  • Is now a good time to start something new? Are there no challenges left in your current business?
  • How much will a new initiative impact your current business and the demands on your time and resources?
  • Is your past success really transferable to the new business?

Many successful entrepreneurs have made the mistake of jumping into a new venture – merger, acquisition, restaurant franchise or real estate investment – and blown away the equity value they spent to much time and effort building in their original business. It’s another costly mistake to avoid.

Don’t make the Biggest Entrepreneur Mistake #6 – Let’s do it again

Be better. Do Better. Be an Enlightened Entrepreneur.

Del Chatterson, your Uncle Ralph

Learn more about Enlightened Entrepreneurship at: LearningEntrepreneurship.com Read more of Uncle Ralph's advice for Entrepreneurs in Don't Do It the Hard Way & The Complete Do-It-Yourself Guide to Business Plans - 2020 Editions.

 Read more Blog posts at: LearningEntrepreneurship Blogs

 

Entrepreneur Mistake #2

Neglecting strategic leadership

The Entrepreneur’s Biggest Challenge: Strategic Leadership + Management Effectiveness

The Entrepreneur’s Biggest Mistake #2 – Neglecting strategic leadership

It’s a non-stop challenge for every entrepreneur to continuously balance the demands for strategic leadership and management effectiveness.

It’s easy for any owner-manager to become pre-occupied with operating issues and short-term problem solving and neglect to provide strategic leadership to the organisation. But it can be a fatal mistake to get lost in the depths of operating details and fail to regularly raise the periscope and scan the horizon for oncoming threats.

Remind yourself of your strategic objectives and long-term goals. Assess performance against the relevance of the operating plans and strategies in place against current market and economic conditions. Keep your eye on both competitive threats and changing customer demands and be prepared to respond.

Management effectiveness and operating efficiency must be continuously adjusted and aligned to point in the right direction to achieve your long-term vision and objectives.

Don’t make Entrepreneur Mistake #2 - Neglecting strategic leadership.

Be better. Do Better. Be an Enlightened Entrepreneur.

Del Chatterson, your Uncle Ralph

Learn more about Enlightened Entrepreneurship at: LearningEntrepreneurship.com Read more of Uncle Ralph's advice for Entrepreneurs in Don't Do It the Hard Way & The Complete Do-It-Yourself Guide to Business Plans - 2020 Editions.

 Read more Blog posts at: LearningEntrepreneurship Blogs

 

 

Manage like a Hockey Mom

But in a good way

(An extract from Uncle Ralph’s Random Ramblings in Part V of DON’T DO IT THE HARD WAY – 2020 Edition)

Hockey games are always exciting and entertaining, whether it’s the NHL or kids in minor hockey, and they often provide inspiration and ideas applicable beyond the hockey rink.

At a grandson’s Peewee hockey tournament in Montreal, the welcome brochure included the Quebec Hockey Association’s Code of Ethics for Parents (also useful for grandparents) to encourage responsible behaviour and allow both players and their parents to simply enjoy the game.

In reading it, I realized it could be adapted as a useful guide for business owners and managers. Here is my adaptation.

The Code of Ethics for Entrepreneurs

As a business owner and responsible manager, I recognize that I have the potential and the opportunity to make an important contribution to the personal development and well-being of the individuals who choose to work with me and I accept that as a priority over “winning the game.” 

I will therefore ensure my conduct continually demonstrates the following principles:

 I understand that my employees are here for their benefit and pleasure, not mine.

  1. I consider winning as part of the pleasure of playing the game; I will not exaggerate the pain of failure; and I will recognize errors as a necessary part of the learning experience.
  2. I will respect the efforts and the decisions of the supporters and supervisors and of the outside authorities responsible for enforcing the rules and regulations. I will do my best to understand and accept the rules and regulations applicable to my business.
  3. I will recognize and respect good performance on the part of any individual employee, as well as that of the individuals on competing teams.
  4. I accept each individual’s limitations and will not project my own ambitions or unreasonable expectations upon anyone. My expectations will be appropriate to the qualifications, experience and training of each individual.
  5. I will demonstrate and expect from all employees a reflection of the important values of respect, discipline, effort and loyalty.
  6. I will not encourage or tolerate any level of personal harassment, conflict or aggressive behavior.
  7. I will encourage and support the personal development of skills and capabilities for every individual.     

 Good advice from responsible hockey moms.

(I do notice that a lot gets ignored during the playoffs when winning is everything, but that’s another issue for a future article. Meanwhile, the hockey analysts are all over it.)

Be better. Do better.  As a responsible hockey parent and as an enlightened entrepreneur.

Del Chatterson, your Uncle Ralph

Learn more about Enlightened Entrepreneurship at: LearningEntrepreneurship.com Read more of Uncle Ralph's advice for Entrepreneurs in Don't Do It the Hard Way & The Complete Do-It-Yourself Guide to Business Plans - 2020 Editions.

 Read more Blog posts at: LearningEntrepreneurship Blogs

They’ve already decided

Don’t waste your time

Early in my career, I learned an important lesson about the ability to change minds with  facts and logical reasoning.

Based on my original degree in mining engineering followed by an MBA, I was recruited by an international firm to do management consulting – often for mining companies. One assignment during a labour dispute at a mine in Ireland required us to do an exhaustive industrial engineering study on the production methods and the bonus compensation system used to pay the miners for higher efficiencies. After weeks of data collection and analysis we presented our detailed analysis and conclusions separately to the union and to management for their negotiations. Interestingly, they both came to the same conclusion. “I knew the bastards were cheating us!” Exactly what they thought of each other before we started.

I see the same decision-making process in current headlines about the pandemic lockdowns. Based on analysis of the same widely shared statistics, health care professionals conclude we have saved millions of lives around the world, while some economists conclude we have paid a huge economic price with very little effect on the rates of infection and death. The differences in conclusions arise from different perspectives, different value systems, and different assessments of personal self-interest versus the public interest.

If you want to successfully change minds and behaviour, or achieve reasonable compromises, you need to ask yourself a few questions before you start your own persuasive presentation:

  • Who am I talking to?
  • What are their belief systems? Shared values?
  • Will facts and logical reasoning be considered?
  • Should I make a more emotional, personal appeal?
  • Do we have a common goal, in spite of our differences?
  • Can they be persuaded or have they already decided?

It may be time to accept they are not going to change and you will have to carry on without them. Not everyone can be persuaded to be reasonable and do it your way.

C’est la vie. Life goes on, and we go our separate ways.

Be better. Do better. 

Del Chatterson, your Uncle Ralph

Learn more about Enlightened Entrepreneurship at: LearningEntrepreneurship.com Read more of Uncle Ralph's advice for Entrepreneurs in Don't Do It the Hard Way & The Complete Do-It-Yourself Guide to Business Plans - 2020 Editions.

 Read more Blog posts at: LearningEntrepreneurship Blogs

 

 

 

 

Becoming a More Humane Leader

Or more Enlightened?

I was recently sent a Harvard Business Review article that presented research to prove the obvious –– wise and compassionate leaders have more productive employees. Maybe not obvious? It’s worth reminding ourselves what style of leadership is most effective for delivering better results.

The authors describe the wise and compassionate humane leader as a better alternative than the tough, impersonal leader who is entirely focused on management direction and control to pursue organisational goals. But that stereotype has long ago been discarded by intelligent, enlightened managers, entrepreneurs, and organisation leaders who have learned a better approach. Effective leadership requires understanding employee needs and providing the support and development necessary for them to work toward achieving the organisation’s goals.

Effective leadership requires more than the suggestion to remember the Golden Rule: Do unto others as you would have others do unto you, which is now considered insufficient for good management as it assumes that others want what you would want. Modern management applies the more effective Platinum Rule: Do unto others as they would have you do unto them. Let them tell you what they want to succeed, and listen carefully. Then apply the wisdom you acquire with the compassion you’ve already shown and you too will have happier, more engaged and productive employees.

Hard decisions will still have to be made, but you will not have to give up your humanity to implement them effectively.

Be better. Do better.

Del Chatterson, Your Uncle Ralph

Learn more about Enlightened Entrepreneurship at: LearningEntrepreneurship.com Read more of Uncle Ralph's advice for Entrepreneurs in Don't Do It the Hard Way & The Complete Do-It-Yourself Guide to Business Plans - 2020 Editions.

 Read more Blog posts at: LearningEntrepreneurship Blogs

Recommended reading

For entrepreneurs

In the recent 2020 Edition of DON’T DO IT THE HARD WAY, I included my updated list of recommended references and books for entrepreneurs, to manage themselves and their businesses better. (See Part 6. Page 231)

The full list is available at below:

In order to help you be better as an entrepreneur, leader, manager and human being, I recommend the following authors for more ideas, information and inspiration. In my opinion, they are among the best at providing thoughtful insights and powerful advice.

I recommend that you make time for them in your process of continuous learning and improvement. Make your own selection from the list below, then find them online, follow them and read their work.

Management Gurus with advice for entrepreneurs

Here are some of their good books and a few memorable quotes:

Tom Peters

In Search of EXCELLENCE, 1982

“There is no more important trait among excellent companies than an action orientation. ... if you've got a major problem, bring the right people together and expect them to solve it.  They do, somehow, have the time." 

"Excellent companies are a vast network of informal, open communications. Forget the MBA - Masters in Business Administration – and remember the MBWA – Management By Walking Around."

Thriving on Chaos, 1987

"A well-handled problem usually breeds more customer loyalty than you had before the negative incident."

“Measure! And reward on the basis of the measures."

Henry Mintzberg

SIMPLY MANAGING, 2013

“Leadership has pushed management off the map…. Now we are overled and undermanaged.”

“Strategies are not immaculately conceived in detached offices. They are learned through tangible experiences.”    

Harvey Mackay

SWIM WITH THE SHARKS without Being Eaten Alive, 1988

"A goal is a dream with a deadline. Write it down" 

"Dig your well before you're thirsty"

"You'll always get the good news; it’s how quickly you get the bad news that really counts."

BEWARE THE NAKED MAN WHO OFFERS YOU HIS SHIRT, 1990

"Do what you love, love what you do and deliver more than you promise."

"You're a lot better off being scared than being bored."

Jim Collins

Built to Last, 1994

"Visionary companies almost religiously preserve their core ideology. Yet, they display a powerful drive for progress that enables them to adapt and change without compromising their cherished core ideals."

"Good enough never is. For these companies the critical question is – How can we do better tomorrow than we did today?"

From Good to Great, 2001

“Good is the enemy of great.”

“Confront the brutal facts, yet never lose faith.”

Marcus Buckingham & Curt Coffman

First, Break all the Rules, 1999

The one insight that we heard echoed by tens of thousands of great managers: People don't change that much. Don't waste time trying to put in what was left out. Try to draw out what was left in. That is hard enough."

Seth Godin

The Bootstrapper's Bible, 2004

"In advertising... persistence is the secret to success."

"In choosing partners remember: Ringo was the luckiest Beatle... a mediocre drummer riding on the backs of three musical geniuses."

Guy Kawasaki

The ART of the START, 2004

"Build a business to make meaning (the money will follow).”

“Have a mantra, not a mission statement.”

“Advertising is what you say about yourself, PR is what other people say about you. PR is better.” 

For some alternative points of view:

Michael Gerber
The E-Myth

Gerber claims he originated the cliché: Work on your business, not in your business. But his over-worked theme is a useful reminder to develop your business organisation and processes so that it can run without you in it every day.

Bo Burlingham
Small Giants

An interesting study of small eccentric companies that decided to succeed by staying small. The conclusions are a stretch to fit the hypothesis that small is better, but worth reading to remember to build your business for yourself; not to chase some dream of global grandeur.

And from an entrepreneur of two hundred and fifty years ago: Benjamin Franklin

Perhaps best known as an American statesman and scientist, (he signed the Declaration of Independence, flew a kite in a lightning storm and has his picture on the U.S. $100 bill), Ben Franklin was also a very successful entrepreneur. A printer by trade, he launched several businesses and introduced the concept of franchising to his printing shops. He was successful enough to retire at age forty-two.

He was also a prolific writer and intelligent observer, analyst and commentator on business and life. It is worth considering Ben Franklin's 12 Rules of Management by Blaine McCormick, 2000.

In summary:

  1. Finish better than your beginnings.
  2. All education is self-education.
  3. Seek first to manage yourself, then to manage others.
  4. Influence is more important than victory.
  5. Work hard and watch your costs.
  6. Everybody wants to appear reasonable.
  7. Create your own set of values to guide your actions.
  8. Incentive is everything.
  9. Create solutions for seemingly impossible problems.
  10. Become a revolutionary for experimentation and change.
  11. Sometimes it's better to do 1001 small things right rather than only one large thing right.
  12. Deliberately cultivate your reputation and legacy.

More Reading for your personal management issues:

To do better in life and manage yourself past the entrepreneurial challenges, these are my recommended reads for personal self-improvement.

The 7 Habits of Highly Effective People, Stephen Covey, 1989

"Begin with the end in mind."

"Seek first to understand, then to be understood."

More spiritual than you might expect, but some great insights and tools for personal management.

The 8th Habit, Stephen Covey, 2004

A follow-up book presenting the values of principle centered leadership.

Awaken the Giant Within, Anthony Robbins, 1991
"It is the small decisions you and I make every day that create our destinies."

"It is not events that shape my life and determine how I feel or act, it's the way I interpret and evaluate my life experiences."

The original concepts that launched Tony Robbins and the self-help industry.

The Intelligent Investor, Benjamin Graham, 1973
From the professor who taught Warren Buffet how to grow his investments to be worth billions. Buffet calls it "By far the best book on investing ever written."

The Wealthy Barber and The Wealthy Barber Returns, 

David Chilton, 1989 and 2011
An easier read than Benjamin Graham and a great basic handbook for personal financial management. It should be required reading for every high school student and every investor paying someone else to manage their money.

Any of these books will help you focus on the fundamentals and achieve more successful approaches to your personal growth and development. It's worth finding the time for them.

And if you have others to recommend, I would be pleased to hear from you. Did I miss any of your favourites worth re-reading or recommended for sharing?

And for something new and different, take a look at the Self-Help Bonanza Book Promo for your choice of free new E-book releases from expert writers. Limited time offer, expires April 25th. Tips and tactics to do better in life, business, and relationships. Including my two books for entrepreneurs. Share with a friend who wants to be better, do better.

Be better. Do better.

Del Chatterson, Your Uncle Ralph

Learn more about Enlightened Entrepreneurship at: LearningEntrepreneurship.com 

Read more of Uncle Ralph's advice for Entrepreneurs in Don't Do It the Hard Way & The Complete Do-It-Yourself Guide to Business Plans - 2020 Editions.

 Read more Blog posts at: LearningEntrepreneurship Blogs

 

Lessons from Lamborghini

Build a better tractor   

Neighbour has a nice car ….

I wonder if he'd take me for a ride. Maybe my next car, after I sell the 2nd million books ….  As Anthony Robbins would say, have a goal in mind and give yourself rewards as you pass the milestones.

Do you know the story of Lamborghini?

Mr. Lamborghini was a big fan of Ferrari and he owned a few. He had made his money as the owner a tractor manufacturing company in Italy. At one point, he had a few complaints about what he thought were deficiencies in the style and performance of his Ferrari. So he sent a message to Ferrari with a few suggestions for improvement. After a few more complaints, and suggestions, they replied with something rude about him sticking to tractors with his advice.

So he built his own cars and showed them what he could do.

Good lessons for Enlightened Entrepreneurs. Listen to the customer. Learn from the competition. Improve on what they do well and fix the deficiencies.

(Now about that test drive, ….)

Be better. Do better.

Del Chatterson, Your Uncle Ralph

Learn more about Enlightened Entrepreneurship at: LearningEntrepreneurship.com Read more of Uncle Ralph's advice for Entrepreneurs in Don't Do It the Hard Way & The Complete Do-It-Yourself Guide to Business Plans - 2020 Editions. 

 Read more Blog posts at: LearningEntrepreneurship Blogs

 

The Beginning of the End

We’re not there yet

(This article is based on the ideas in Uncle Ralph's DON'T DO IT THE HARD WAY & The Complete Do-It-Yourself Guide to Business Plans, 2020 Editions) 

I’m feeling safer, and closer to the end of the pandemic effects on life and business after receiving my first dose of the Moderna vaccine for Covid-19 this week. (Old-timers first! Thank you for allowing us the first shots.)

The good news arriving with 2021 keeps on getting better as we start to return to normal this year.  But we’re not there yet – in Montreal, my favourite coffee shop is still closed, breakfast and lunch stops are take-out only, the curfew still restricts any evenings out and social contact is still constrained to small groups, wearing masks and keeping their distance.

These may all be signs of the new normal for post-Covid-19 after the global war on the pandemic has ended. (If it ever does.) Like the new security measures after post-9/11 and the global war on terrorism, we will have new security measures against deadly contagious disease everywhere. Not just for getting on airplanes or entering foreign countries, but for entering bars and restaurants, live concerts and sporting events, enjoying museums, libraries and movie theatres.

Have you noticed what’s changed and what we’ve learned together?

  • A new awareness of our shared responsibility to take care of each other. And the need to listen and understand before trying to change the behaviour of those who disagree because of ignorance, fear, selfishness, anger or ideology.
  • A greater sense of urgency for fixing the social services network and supporting our front-line health care workers and first responders.
  • A heightened appreciation of the importance to our health and welfare of maintaining close personal relationships with friends and family, neighbours, associates and colleagues.
  • A better understanding of the need to tell the truth; to be a critical and skeptical listener; and, to engage in civil discussion of ideas and issues with those outside our usual circle of friends and fellow travelers.

What can we really expect of the new normal?

  • Innovative, creative and ambitious entrepreneurs continuing to respond with effective solutions.
  • Increasing adoption of new technologies and digital, online services in all areas of our lives; from work and recreation to education and entertainment.
  • Better regulation and oversight of the technology giants who dominate social media and control our access to, and sharing of, information both public and personal.
  • Better choices made by socially aware customers and consumers to support businesses, products and services that meet responsible, ethical and moral standards to protect people and the planet.

Can we be hopeful and optimistic? Yes.

Will we be among the intelligent, caring and compassionate, rational human beings who allow us all to be better and do better together? Yes, let’s do that too.

Be better. Do better.

Del Chatterson, Your Uncle Ralph

Learn more about Enlightened Entrepreneurship at: LearningEntrepreneurship.com Read more of Uncle Ralph's advice for Entrepreneurs in Don't Do It the Hard Way & The Complete Do-It-Yourself Guide to Business Plans - 2020 Editions.

 Read more Blog posts at: LearningEntrepreneurship Blogs