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Build Your Business Upon Good Foundations

Build Your Business Upon Good Foundations

by Phil Latz

Building a strong, long lasting business has many parallels with building a house.

If the foundations are not strong, then no amount of shiny paint or fancy lighting is going to make that house a good long term investment.

So how do you build good foundations? In this article we’ll look at six key attributes.

What if you’re not starting a new business, but already have a business that is showing some cracks? Don’t worry! There’s good news for you at the end of this article.


1. You Need Adequate Resources

In the case of the foundations for 99% of Australian houses, that means concrete. If concrete costs, say $300 dollars per cubic metre and you need 10 cubic metres to pour your foundations, then you’re going to need $3,000 to pay for your concrete.

This is one area where you just can’t take shortcuts and say, ‘I can only afford half the concrete so I’ll make the foundations smaller.’ The same applies with any business. There are many ways you can save money, but every business will have certain foundational costs that you need to be able to pay for before you start. These might include government licence fees, franchise fees or a wide range of other costs.

Insufficient capital is one of the main reasons that many small businesses fail. You need to carefully work out in advance how much capital you’ll need and how you’re going to source that money, always adding a contingency margin for unforeseen additional costs.


2. You Need a Team of Experts

Have you ever tried concreting? I’ve done enough concreting jobs to know that from now on I should leave it to the experts! If you don’t know what you’re doing, it’s quite easy to make a huge mess when pouring concrete foundations. And if you don’t fix mistakes quickly before the concrete sets, you’ve got a serious problem that will be expensive to remedy.

Even if you’re starting business as a ‘one person show’ with no employees, you need a team of experts right from the start. The exact make up of your team will vary slightly depending upon the nature of your business. But there’s a good chance your team will include an accountant, lawyer, insurance broker and finance broker. Think of your key suppliers as part of your team. They want you to succeed and will almost certainly have good advice to offer if you ask them.


3. You Need Good Plans

Builders don’t just arrive on site with their tools one morning and say, ‘Right, where shall we put this house and what size shall we make it?’

A lot of time and expense has been incurred before the builder starts work. Everything from soil samples to see what type and depth of foundations are needed to a site survey to consider the best orientation of the building. Will it catch the sea breezes? Will it make the most of the available views? Will overshadowing of neighbours be an issue preventing Council approval of your house? The full list is long.

It’s no different in business. What is your target market? Who are the existing players in that market? What will be your unique selling proposition (USP)? In other words, your point of difference that is going to cause a customer to choose you over your competitors. What will be your cost per product? What sale price will the market support? What margin does this leave you? Once again, the full list is much longer than this.

It’s far cheaper to alter walls, add rooms, deepen foundations and make other alterations while your house is still a plan on a piece of paper or computer screen. Likewise it’s cheaper to plan your business in advance rather than use the, ‘Let’s just try it and see!’ approach, where too many mistakes could leave you bankrupt.


4. You Need Reinforcement

Concrete is strong in compression. Steel is strong in tension. They’re as different as chalk and cheese. But combine the two and you have reinforced concrete, something greater than the sum of the parts, that has literally revolutionised the shape of modern buildings and cities.

Likewise in business, you need people that you listen to who have a different perspective to you. That might be because they have different personalities and outlooks on life. It also might simply be a case of someone looking at your problems with a fresh set of eyes.

When you’re buried within the daily detail of your business for 40, 60, 80 hours per week, you can lose perspective. This is where a coach or business mentor can help. Other key people who can provide this vital different perspective might be your wife / husband / life partner or business partner.

As well as providing different ideas, these people are vital in giving you support and encouragement. It can be very lonely owning and running a business. Even if you’re surrounded by staff, as the owner, you face responsibilities that are often hard to share. Having discreet family, friends or professional advisors gives you a shoulder to lean on.


5. You Need Independent Expert Advice

Before the first concrete truck arrives on site to pour the foundations, a civil engineer who is independent from the builder and developer, must come on site and inspect the preparations. They look at all of the formwork that will define the boundaries of the foundations. They check that the steel reinforcing bars and mesh have been correctly specified, placed and tied.

For a standard house foundations engineer might only be on site for a single hour or less. But their expertise can determine the lifetime success or failure of those foundations. They have to come at the right time. Once the concrete has been poured, most of the critical details that determine a sound foundation will be hidden forever. It will be too late for their advice then.

It’s no different in your business. The best time for you to have an expert come in is before you commit – before you start pouring concrete. This is different to the ongoing support and reinforcement that I was talking about in the previous point. This is key expert advice on critical questions or decisions that might only have to be made once at the start of a venture or at certain cross road points. Sure, their hourly rate might seem high, but the right expert advice at the right time could save you a fortune, and possibly make you one.


6. What if You’ve Made a Mistake?

What if your business is already up and running? It might have been going along for years. Perhaps things looked strong in the early years, but now it’s cracking up due to poor foundations.

Don’t worry! In building they call it underpinning. When foundations of an existing building, even an old one, are cracking up or where never adequate in the first place, they can be dug out and replaced with new ones.

Underpinning can be expensive because it needs to be progressively done in small stages whilst each section of the building above is propped up.

Once again, this is where a business coach can help. You can’t tackle all of your foundational cracks at once. But they can help you decide which are the key sections that you need to reinforce first. 

The most important thing to remember is that your cracked foundations are not going to magically fix themselves. It might require some painful digging and you might feel a little precarious during the transition, but the only way to put your business on firm foundations is to take action!


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Urgency vs Importance

by Phil Latz

Hi, welcome to the sixth blog in my personal growth series that I hope will help you become more successful in your business.

As a business owner myself for many years, I understand the challenges that you face. 

Today I’ll be sharing with you about how to make the most of your time.

Do you find yourself wanting to do more things than you have time to do? 

Do your days seem to race by with half the things on your ‘to do’ list still not done by the end of the day?

If your answer is Yes, then welcome to the club! Just about anyone with any level of ambition will tell you that they don’t have enough time to do all the things they’d like to do.

That’s not because they’re lazy. But because our time is finite.

You need to start by understanding just how precious time is. Time is more valuable than money.

If I give you a thousand dollars, I can go out and earn some more money to replace it.

But if I give you an hour of my time, it has gone forever. No amount of money can buy you more time.

I recently watched an excellent Netflix documentary series entitled ‘Inside Bill’s Brain: Decoding Bill Gates’. It’s a behind the scenes look at the life of the richest man on the planet. Bill Gates is worth something like $100 billion US dollars, but he is unable to buy a single extra minute in his day. He has to live with the same 24 hours that everyone else gets.

So what does Bill Gates do about it? He makes the most of every moment. 

He employs personal assistants to carefully manage his meetings. He prioritises. Interestingly, he studies voraciously, constantly reading and learning.

These days, Bill no longer works at all at Microsoft, the company he founded that continues to drive his wealth. His focus is upon eliminating diseases and advancing other humanitarian causes through the Bill and Melinda Gates Foundation. If anything, Bill Gates who was born on 28th October 1955, is more driven than ever.

I’ve read a lot about time management over the years, but one methodology that I first read about back in the early 1990’s has always resonated with me. So much so, that whenever I hired a new team member into our company, I would sit down with them and share this idea.

You can read about it in this book, The Seven Habits of Highly Effective People by Steven Covey. In an age when business books can be out of date in a year or two, this book, which was written back in 1989, remains a best seller.

I’d recommend that you read or listen to this book. Remember, the more you learn you earn.

There are many wise teachings in this book of which the Four Quadrants, that I’m going to share with you now, is just one.

Every single task that you do in your working life can be divided into four quadrants.

The vertical axis denotes importance. The bottom is unimportant, the top is the most important tasks.

On the horizontal axis denotes urgency. The left side is most urgent, the right side is not urgent.

So the quadrants can be described like this:

Quadrant 1 tasks are both urgent and important

Quadrant 2 tasks are not urgent, but important

Quadrant 3 tasks are urgent, but not important

Quadrant 4 tasks are not urgent and not important

How can you discern if a job is urgent or important? Urgent jobs are right in front of us, the phone ringing the person asking for an answer. If you don’t respond to them quickly, there will be an immediate consequence.

Important jobs are more closely linked your mission, your values, your high priority goals. You could say that they’re the bigger picture jobs. They won’t shout at you like the urgent jobs, but if you neglect them, you’ll wake up one day years later and wonder how you could have worked so hard, for so long to achieve so little.

The key question to ask yourself is, ‘In which quadrant should you be spending most of your work time?’

Think about it and speak out your answer now.

I’ve asked this question many times over the years to my new staff members and other people I’ve trained.

Chances are that you gave exactly the same answer that almost all of these people gave me, ‘Quadrant 1 of course because it’s both urgent and important!’

Please don’t take offence, but you’re wrong. Your key to long term success is to spend as much of your time in Quadrant 2, not urgent, but important.

Note that I added the words ‘long term’ before ‘success’. Right now, you might well have a pile of Quadrant 1 tasks that are demanding your attention. But if you shift your thinking, you’ll gradually be able to make more time for Quadrant 2.

Spend your time in Quadrant 2 and your benefits will include vision, perspective, balance, discipline, control and fewer crises.

On the other hand, if you stay in Quadrant 1 your business life will be accompanied by stress, burnout, crisis management and constantly putting out fires.

So exactly how can you make this change?

Initially, the low hanging fruit will be Quadrant 4. You should try to eliminate these tasks entirely. Quadrant 3 tasks should be batched up and done as quickly as possible, or better still, delegated if you have anyone helping you.

Allocate all the time you’ve saved into Quadrant 2 tasks. These include things like working on your business, not in your business, budgeting, planning, learning, making important decisions. 

If you procrastinate on Quadrant 2 tasks, they migrate across to the left, to Quadrant 1.

Meanwhile, there’s no avoiding the fact that you have to deal with the pre-existing Quadrant 1 tasks that are upon you right now.

It might take months or even years to restructure your life and your mindset to eliminate Quadrant 1. You might never fully achieve this, but even if you can increase your Quadrant 2 time from say 5% to 20%, that would still be a fourfold increase that would reap huge benefits for you.

To summarise, remember that your time is the most precious asset. Think carefully about how you are spending it and prioritise the important over the urgent.

I hope that this blog has given you a helpful plan for how to allocate your work time.

In the next blog in this series, I’m going look at another aspect of how to make the most effective use of your time.

I believe that with passion, consistent effort and wise advice you can succeed in your business.

I wish you all the best and I’ll see you next time.


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Work Life Balance

by Phil Latz

Hi, welcome to the fifth blog in my personal growth series that I hope will help you become more successful in your business.

As a business owner myself for many years, I understand the challenges that you face. 

Today I’ll be sharing with you about work/life balance. 

I’m going to challenge some ideas you may have relating to this topic.

Government surveys show that self-employed business owners on average work longer hours than typical wage earners.

You don’t have to scratch too far beneath the surface with many business people before you’ll hear a comment like, ‘I know I should be spending more time with my family’ or ‘I wish I could spend more time with my family.’

Sometimes that’s followed by a justification such as, ‘Still, I’m doing all this for them.’

If you’ve got kids, especially younger kids, they really don’t care how much money you make in your business. The thing they most want from you is your time and attention. Don’t fall into the trap of thinking that any sort of toy, or electronic device, no matter how expensive or fancy, is an equal substitute.

On the other hand, you don’t need to feel guilty about enjoying your work. After all, isn’t that one of the reasons we started our own business? Some of us feel like we’re hard-wired for business. We’re driven. If you’re like that, then taking a year off to look after your kids full time will be a year of frustration.

Clearly, every individual and family needs to find the balance that’s right for them. That’s why it’s called a work/life balance. 

Swing the scales too far in one direction and you might be spending lots of quality time with your family until the day the bank repossesses your house because you haven’t been making any money to pay the mortgage.

But you don’t want to swing too far towards the other extreme. What’s the point of working long hours, building a huge business and making millions if one day you come home to a large, but empty house? I’ve always considered one of my best business achievements has been to maintain a good relationship with our family throughout these decades, not to mention staying married for 35 years and counting.

How can you ensure that the same is true for you?

I’m going to look at two aspects, work time and then family time, before bringing the two together.

My first tip is that regardless of what you’re doing, live fully in the moment. When you’re at work, try to fully focus upon that and try to limit distractions from your personal life.

Likewise, try not to take your work home. Especially late at night. That’s a recipe for poor sleep and ongoing stress-related problems.

When you’re at work, make the most of every moment. In the next two videos, I’ll be sharing proven techniques for effectively allocating your work time, but for now, I’ll just talk about one. It’s something used by ActionCOACH called the Fun/Skill matrix.

Imagine a chart with the origin point representing tasks that are low fun and require a low skill. Fun increases along the vertical axis and skill along the horizontal axis.

What tasks should you be spending the most time on? The ones in the far top right corner. They’re the tasks that you both enjoy most, because we invariably become good at what we enjoy, and that bring the greatest value to your business. These will be higher level, higher skill tasks.

Meanwhile, look at those tasks closest to the bottom left corner of your matrix. You don’t enjoy them and they’re lower skilled tasks. Hire new staff or delegate to existing team members to do these tasks.

You don’t have to wait until you can afford to employ permanent staff to start doing this. Think laterally. There are plenty of offshore virtual assistants, contractors and automated systems and other effective ways to stop low level, unenjoyable tasks clogging up your day.

Remember, you can always make more money but you can’t make more time. No matter how wealthy you are, you’ve still only got the same 24 hours in every day. Successful business people are never afraid to spend money to save them time, of course always in a calculated, rather than reckless manner.

Now let’s talk about family time.

Here’s one of the best decisions that my wife and I made, a few years after starting our second business. 

I had been working long hours for about three years bootstrapping our media business from scratch, with only about a week off for holidays each of the first two summers.

We decided that we’d restructure our publication schedule so that we could take a full month-long block off work every summer.

I still worked hard for the other 11 months of the year. In fact, having such a refreshing break let me work harder and not burn out. Meanwhile, our family enjoyed great holidays. We always went away for most, if not all of this time every year. When our youngest daughter finished high school and turned 18 we booked what we thought would be our final family holiday, a big five week tour of Europe.

But by then our family holiday is so much part of our DNA that we just kept on having them. The only differences are that our family is bigger now, with sons in law and grandchildren so we take shorter holidays and don’t travel too far because that best suits our family’s current situation.

Another key to keeping your closest personal relationships strong is a concept that author Stephen Covey calls your emotional bank account.

You have an emotional bank account with each relationship in your life. On any day you’re making deposits or withdrawals from this account, usually small ones. 

Sometimes you can’t avoid a withdrawal. ‘My plane home has been delayed. Sorry, but I’m going to miss Mary’s birthday party.’

As long as you’ve been making regular deposits, there won’t be any long term harm done by this sudden withdrawal.

How do you make deposits? By understanding the other person in each relationship, keeping commitments, clarifying expectations, attending to the little things, showing personal integrity and apologising when you do have to make a withdrawal.

Life doesn’t always have to be clearly divided into work time and family time. Sometimes you can create a third way where you can genuinely combine family and business time in a mutually beneficial way.

Many years ago, a good business acquaintance of mine who we’ll call Fred did just that.

Fred enjoyed sailing on the weekends, whenever his busy work schedule allowed. One day he suddenly suffered a serious injury that required him to be put into traction. There he was, one day flat out working, the next day flat on his back, immobilised in hospital for something like six weeks straight.

Fortunately, he fully recovered. Soon after Fred left his company, sold his house in the big city, moved his family thousands of kilometres to start a new life running a yacht chartering business in a tropical paradise.

‘You get a lot of time to think about what you really want to do when you’re just lying there in hospital,’ he said.

Not everyone can follow Fred’s path, or would even want to. But the key is to not think that you’re obliged to work in a job or business that you don’t really enjoy and that you’ll only be able to really do what you want when some magical ‘retirement’ date finally arrives.

As one wise person once said, ‘You’re already retired if you’re doing what you want to do.’ 

I hope that this blog has given you some useful ideas about how to successfully navigate the work/life balance challenge.

In the next two blogs in this series, I’m going dig deeper into how to make the most effective use of your time.

I believe that with passion, consistent effort and wise advice you can succeed in your business.

I wish you all the best and I’ll see you next time.


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Taking Personal Responsibility

by Phil Latz

Hi, welcome to the fourth blog in my personal growth series that I hope will help you become more successful in your business.

As a business owner myself for many years, I understand the challenges that you face. 

Today I’ll be sharing with you about taking personal responsibility.

So far, my first three blogs in this series have been pretty light and easy. But this one will be different.

If you take offence easily then you might want to stop reading now because what I’m about to share might come across as being harsh.

But the world of business can be brutal. There’s no safety net. It’s survival of the fittest. As Jim Collins says in his classic business book Good to Great, the people that survive in dire circumstances such as a prisoner of war camps are those who confront the brutal facts. The same could be said about the businesses that survive.

If you have a tendency to sugarcoat the facts or worse still, avoid them entirely, then there’s a strong chance that they will come back to bite you. You need to take personal responsibility for your actions and the consequences that flow from them.

I’m going to give you three illustrations to more deeply explain what I mean.

The first illustration is deep, literally, because I want to share with you about a memorable visit I made to an underground bunker.

Hidden beneath central London, the Cabinet War Rooms were the headquarters from which Prime Minister Winston Churchill and his most senior cabinet ministers and military leaders led the British forces and the nation of Great Britain during World War Two.

The latest technology of that era was installed in the Cabinet War Rooms including a top-secret direct phone line to President Roosevelt in the USA. 

In the heart of the bunker was the Map Room, where the most detailed maps were on hand and the latest battle situations were plotted to the highest possible degree of accuracy.

Most importantly, Churchill insisted upon hearing the unvarnished truth from all of his advisors.

All of this was done so that he could make the best-informed decisions. 

And he had to make many, often knowing that his decisions would directly result in lives being lost. 

But when he made these decisions, he took responsibility for the consequences. 

For all his many well-documented flaws and failings, there is broad consensus amongst historians that this willingness to proactively take responsibility for leading his nation through its darkest hour, was instrumental in them prevailing in that war.

Are you prepared to confront the brutal facts in your business? Sugarcoating is not good for you!

My second illustration starts with ActionCOACH founder Brad Sugars who asks, “Is your behaviour above or below the point of power?

To live above the point, the key words to describe your behaviour are Ownership, Accountable and Responsible, OAR for short.

But to live below the point is BED – blame, excuses, denial.

Your life above the point is that of a victor. Your life below is that of a victim.

I can hear some people saying, ‘That’s ok for you to say! You’ve lived a life of privilege. You haven’t had the same disadvantage and struggles that I’ve had!’

All of that may well be true, but what are you going to do about it?

Are you going to continue living the life of the victim? Or are you going to live the life of a victor?

We cannot control certain bad external forces that happen to us or to our business, but even though it may be difficult, we can control our response to these external forces.

Viktor Frankl discovered this truth living in the extreme circumstances as a Jewish inmate of Nazi concentration camps during World War Two.

Here are two of his most famous revelations from that experience. 

‘Between stimulus and response, there is a space. In that space is our power to choose our response. In our response lies our growth and our freedom.’

‘Everything can be taken from a man but one thing: the last of human freedoms – to choose one’s attitude in any given set of circumstances, to choose one’s own way.’

Fortunately, we do not need to live through such horrific experiences to benefit from these revelations of Viktor Frankl.

When something goes wrong in your business, especially when it’s caused by an external force that’s beyond your control, how do you choose to respond?

My third illustration comes from personal experience. I’ve seen that Brad Sugar’s illustration about victor versus victim… ownership, accountable, responsible versus blame, excuses denial… is true.

During my decades owning a small media business, I’ve had the opportunity to interview many business owners and leaders from the smallest, struggling one man shows through to those with multi-billion dollar turnovers.

I’ve found a consistent, common theme. Those who are continually struggling almost always externalise the reasons. ‘It’s the weather, it’s the government, it’s the economy, it’s the unfair competition…’ the list is long. 

They blame others and make excuses.

At the end they might add something like, ‘And if anyone else tells you anything different, they’re lying!’

That’s classic denial. 

People like this find it extremely hard to accept that one of their competitors might actually be doing well, despite facing all of the same tough circumstances that the victim is facing.

On the other hand, a victor might acknowledge some tough circumstances, but always steers the conversation back to the new ideas they’re trying and their strategies to succeed.

They’re like a beach ball that you try to keep underwater. No matter how far you push it down, it keeps bobbing up to the surface.

I hope you now understand that you only have to keep living and you’re sure to face difficult times and challenges at some stage in your life and your business.

It’s not those challenges themselves, but it’s how you respond to those challenges that will determine how successful you will be.

The first step on that road to success is taking personal responsibility for your current situation. 

Only then will you truly realise that you can also take responsibility for the future steps you need to take to improve that situation.

In the next blog in this series, I’m going to grasp another thorny nettle that’s often lamented by business owners. How to achieve a healthy work/life balance so that you can spend more time with your family.

I believe that with passion, consistent effort and wise advice you can succeed in your business.

I wish you all the best and I’ll see you next time.


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Continuous Learning

by Phil Latz

Welcome to the third blog in my personal growth series that I hope will help you become more successful in your business.

As a business owner myself for many years, I understand the challenges that you face.

Today I’ll be sharing with you about continuous learning.

Back in the olden days, in other words, when I was a kid, you went to school, in many cases finishing at the end of the 10th grade, then got a job, that was often expected to last you until you retired.

How rapidly the world has changed! 

Most people now don’t just have multiple job changes, but multiple career changes, in their lifetime. Some jobs that many people will be doing in a decade’s time don’t even exist today.

As for business, virtually every business has experienced radical changes to the products that they sell and the way they operate and interact with their customers.

To be successful in business, you need to abandon any concept that you go to school, graduate with a nice diploma to frame and that your learning days are over.

The more you learn, the more you earn!

In this blog, I’m going to look at how to find the time to learn, how to learn and where to find sources of learning. I’ll also discuss who to learn from and what to learn.

Let’s start with time.

You might be thinking, I’m too busy to learn! I’m so busy running my business that I don’t have time for anything else.

In his best-selling book, The Seven Habits of Highly Effective People, author Steven Covey wrote that the seventh habit, that surrounds and empowers the other six, is to sharpen the saw. That means taking time out to think and learn, as well as exercise and renew.

The relatively small amount of time that you invest in learning will make you more effective for the entire remainder of your working life.

If you make it a priority, you will make time to learn. As I’ll demonstrate in a future video, you need to put the big rocks into your finite bucket of time first. 

We all waste a lot of time. If you watch TV, then you have time to learn.

If you have a commute to work or travel between jobs, then you have time to listen to a podcast or audiobook.

Now I’d like to share with you about mentors.

One of the best ways to learn is to find someone, often older than yourself, who has already achieved what you’re aiming to do. Perhaps not in the exact same field, but possibly a related industry.

You’ll be amazed how generous people will be with their time and knowledge if they find someone who is genuinely interested in learning and who respects their experience.

For years I used to keep in touch with the owner of a larger, but otherwise similar independent media company to our own.

I’d travel interstate to meet this man, sometimes over lunch, or at other times over the phone. We’d compare notes about a whole range of key issues, challenges and changing trends in our industry. 

We both found this to be a valuable relationship, but I suspect I got the most out of it!

Ok, let’s assume that I’ve successfully convinced you that you need to keep learning. How should you go about it?

For starters, don’t just listen or read passively. You need to take notes! Whether on paper or electronic device. Even if you never refer to these notes again, the process of taking them makes you listen more deeply.

If you’re in a class or at any sort of seminar or other events, be one of those people who sit up the front and asks questions.

Break things down into bite-sized chunks. Many business books and teachings are too information-dense to read in one sitting. Just like this video series, it’s more effective if you don’t watch more than a couple in any one sitting.

Different people learn differently, you might be a visual person, an audio person, or a written word person. Just go with what works best for you.

Learn beyond your particular specialty. For example, biographies can be inspiring and you can learn from the life experiences of others.

Today there are so many sources of information and learning options.

Of course, there’s still traditional formal training such as an MBA from a university or another formal course.

But these days there are so many more ways to learn. You have options ranging from YouTube videos to podcasts, books, audiobooks, webinars, conferences and seminars, trade shows, business coaching and more.

Don’t be afraid to invest money in your education. Surveys have shown that it’s one of the most cost-effective investments that you can make.

But do your research before you hand over your hard-earned money.

For example, for many years I’ve been investing in property and doing renovations and upgrades to these properties. 

There are so many property ‘gurus’ out there offering ‘must-do’ property courses that usually run into the thousands of dollars. 

I went to the free seminars for just about all of them, before selecting the one I thought was best for me. Then I invested a significant amount of money, not to mention many hours of my time over a couple of solid years of after-hours training.

I’m confident that it was a wise investment.

It has already paid for itself off many times over, and will continue to do so many more times, provided I don’t drop dead any time soon and that I keep investing.

I hope that you can now understand why it’s important to have a mindset of curiosity and continuous learning. If you look at successful business people, you’ll find these to be common traits.

In the next blog in this series, I’m going to reveal some key differences that separate successful business owners from unsuccessful ones.

I believe that with passion, consistent effort and wise advice you can succeed in your business.

I wish you all the best and I’ll see you next time.


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