Ice and Snow Crunch

Well Winter is here, and there have been some very cold and icy days. Some parts of the USA are out of electric and water. Large pieces of ice are starting to melt in Illinois, and could be dangerous for those residents who go outside. On www.weather.com, there is a page of weatherREADY resources, to protect your health and your home with expert tips, video, and printable checklists. The topics are Severe weather safety, home preparation, health, driving safety, sun safety, pet safety and Weather Safety for Kids.

This reminds me of how a business should be operating. We turn on the news every morning to see what the weather will be like. Do you ask yourself - what is my business going to be like that day? Are you thinking of the businessREADY resources that will protect your business and your lifestyle? Do you have checklists to be sure that all of the most important items at your business are getting done?

At RCM, that is what we specialize in. Just like someone forecasting the weather for you, RCM will help you forecast the day, quarter, or year ahead in your business. We look at Accountability systems, Best Practices and Cash Flow to create a plan to protect your business and create a road map to reach your goals. www.rcmorganize.com

Capitalism Crunch

Now that the economy has slowed, businesses may be concerned about their customer base and if it can hold up during the next year or two as we globally work our way out of this cash crisis. A year or two ago, as stock market investors, we were advised to buy stocks from Companies that had exposure overseas. The reasoning was that as different world markets expanded and collapsed, we would be able to keep above water through this idea of diversification.

Thinking back in hindsight now, it may have not have been wise advice. Since a lot of the American stock market companies were exposed to international markets, and we are in a global recession, there is no where to put your money.

Capitalism and inventors of products that will improve the American and Global way of life is where we need to focus. We will not be able to return to the industrial revolution overnight in America. We changed to the social revolution, and now there is not enough social products to buy, or money to buy them with. We worry about Global products coming to America that are not made to the standards we employ.

What we need is a brand new idea that will enthuse people globally. We need to find out what our customers want - and then deliver. Customer Service training is so important now, due to if your company makes a mistake with a customer, there are always others vendors to buy from. If we continue to see companies closing, the conglomerates just get bigger due to less competition.

Is this serving the needs of the people?

Credit Card Crunch

Are the credit card companies who extend us credit, tightening their belts? It seems like no one is immuned. People who have paid their credit card bills, now have to worry about which store they shop in for fear that American Express will decline them any more credit. Even worse, they will decrease your credit, which in turns lowers your credit score. This according to a piece on GMA yesterday morning. Also Fabolous, according to Bossip, had to pay cash for his champagne, along with his entourage, due to none of the 5 credit cards he used were accepted.

The United States has been turning into a cashless society for a long time. You are at the hands of the companies who are providing that cashless society. Cash is still king and we as Americans should find and keep cash. It may come down to bartering someday, if we can't get credit and the cash is not worth the paper it is printed on. What are we really worth?

TARP Crunch

The TARP Troubled Asset Relief Program sounds like it was designed to help companies that have troubled assets. What would you call a troubled asset? A company that sells office space for example, and cannot find renters? A manufacturing plant that has the equipment, but not the money to purchase raw materials? To me that sounds more like troubled assets, than a bank that wants to give out salaries between $150,000 to $250,000 a year, but a bonus of up to 1 Million or more. Well, if they would only use the services of RCM, we could do a cash is King Checkup and find out where they could make money within their own company. We would even put their lavish furnishings on EBAY and sell it to the highest bidder. We also would have them engage in Best Practices and the Accountability systems we sell. www.rcmorganize.com sees a lot of troubled companies looking for ways to find cash in their business, the banks seem to view it as how much cash can everyone else give to them, so they can spend it. No wonder our savings rate is so low.

Cash Crunch

The news is full of stories of the cash crunch that America is facing. Citibank today may not take possession of the $50 million dollar plane it purchased from France. If the collapse of the banks during 2008 were not known, the purchase of the plane probably would not have made news here. What is France to do now that they will not get the money? Or will they?? Did Citibank have to put a down payment for this plane? Will France force Citibank to pay and we will not hear of it. Citibank stated that the money that was to be used for the plane had nothing to do with the 20 billion that it got from the taxpayers. I did not get a thank you letter, did you?

The cash crunch is everywhere and in our pockets. We will continue to see poor cash decisions turning into Government takeovers and bailouts. The tarp just got bigger.

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