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{t:"www.cfosonthego.net   / 951‐699‐6900 ",p:1,x:363,y:1178,w:298,h:18},
{t:"2009 Survival Guide for Contractors from CFO on the go, co ",p:1,x:142,y:89,w:741,h:30},
{t:"Manage Cash – In business there is one rule that absolutely cannot be violated.  That simple ",p:1,x:120,y:146,w:752,h:20},
{t:"rule is “Do Not Run out of Money.”   A violation of that simple rule is like getting a “RED Card” in ",p:1,x:119,y:174,w:784,h:20},
{t:"soccer; you are out of the game with no chance to re‐enter and play again.  So what can you do ",p:1,x:119,y:202,w:777,h:20},
{t:"about that?  As an owner, now is the time to review all monthly recurring costs.  I was speaking ",p:1,x:119,y:230,w:777,h:20},
{t:"to a friend of mine who is a fellow business owner and he got out his current AMEX statement ",p:1,x:119,y:259,w:769,h:20},
{t:"and highlighted all the charges that were absolutely not a necessity.  What did he find?   ",p:1,x:119,y:287,w:718,h:20},
{t:"Six wine club memberships  ",p:1,x:209,y:331,w:228,h:20},
{t:"$450 ",p:1,x:596,y:331,w:45,h:20},
{t:"Weight Watchers  ",p:1,x:209,y:359,w:150,h:20},
{t:"$ 49 ",p:1,x:602,y:359,w:39,h:20},
{t:"Four or five E‐newsletters ",p:1,x:209,y:387,w:213,h:20},
{t:"              $120 ",p:1,x:533,y:387,w:108,h:20},
{t:"I suggest that you do the same.  I did.  It is amazing how many items you can trim.  How about ",p:1,x:119,y:432,w:766,h:20},
{t:"these?  ",p:1,x:119,y:460,w:65,h:20},
{t:"Have some extra cell phones lying around?  Cancel them. ",p:1,x:209,y:505,w:467,h:20},
{t:"Eliminate overtime pay. ",p:1,x:209,y:533,w:197,h:20},
{t:"Office supplies – How many pens/pencils did you buy last month?  ",p:1,x:209,y:561,w:541,h:20},
{t:"How much did you spend on buying paper plans?  Use a free on screen viewer, call ",p:1,x:209,y:589,w:674,h:20},
{t:"us and we will send you one. ",p:1,x:209,y:617,w:237,h:20},
{t:"How many times did your field or sales person take someone to lunch, golf or ",p:1,x:209,y:645,w:632,h:20},
{t:"dinner?  Was it really goodwill or a way of getting his/hers for free? ",p:1,x:210,y:673,w:551,h:20},
{t:"Call your current vendors and ask for either extended payment terms or additional ",p:1,x:210,y:702,w:675,h:20},
{t:"discounts for early payment. ",p:1,x:210,y:730,w:236,h:20},
{t:"Better Expenditures Review ‐ I cannot tell you how many stories of employee theft we have ",p:1,x:120,y:774,w:752,h:20},
{t:"seen in the past 4‐5 years.  In articles we have read, the annual amount has been quoted at ",p:1,x:119,y:802,w:744,h:20},
{t:"$600 million on the low side just for the construction industry.  I was a CFO for a company and ",p:1,x:119,y:830,w:769,h:20},
{t:"my own controller cashed stolen paychecks to the tune of $50,000.  You know what he said ",p:1,x:119,y:859,w:746,h:20},
{t:"when we caught him?  “I deserve it because the owner made $500,000 and that isn’t right, ",p:1,x:119,y:887,w:740,h:20},
{t:"because it did not leave enough for bonuses for us.”  As individuals cope with foreclosures, ",p:1,x:119,y:915,w:741,h:20},
{t:"mounting credit card bills or a spouse’s job loss, they may turn to your assets to survive.  It is a ",p:1,x:120,y:943,w:770,h:20},
{t:"small percentage of people that will resort to this but you can protect yourself.  We just helped ",p:1,x:120,y:971,w:776,h:20},
{t:"a client prosecute an individual who misappropriated almost $150,000 over a six month period.  ",p:1,x:120,y:999,w:783,h:20},
{t:"Things we have seen: ",p:1,x:120,y:1027,w:177,h:20},
{t:"Foreman filling up his fuel tank and selling the fuel for cash‐‐almost $500 a week to ",p:1,x:210,y:1072,w:678,h:20},
{t:"him.  The cost to the company was almost twice that every week. ",p:1,x:210,y:1100,w:535,h:20},
{t:"Padding overtime hours (we have a clever way to catch this, call and ask). ",p:1,x:210,y:1128,w:600,h:20},
{t:"www.cfosonthego.net   / 951‐699‐6900 ",p:2,x:363,y:1178,w:298,h:18},
{t:"Turning in a timesheet for an employee that was terminated, cashed the check and ",p:2,x:210,y:87,w:679,h:20},
{t:"kept the money.   ",p:2,x:210,y:116,w:146,h:20},
{t:"Turning in the same entertainment expenses twice‐‐this was pretty clever but he ",p:2,x:210,y:144,w:660,h:20},
{t:"was busted. ",p:2,x:210,y:172,w:101,h:20},
{t:"AP clerk was paying a vendor that she created and paid bogus invoices.  She sent the ",p:2,x:210,y:200,w:690,h:20},
{t:"money to her new bank, busted again! ",p:2,x:210,y:228,w:317,h:20},
{t:"Materials used to perform side projects on the weekend‐‐you buy it and he gets paid ",p:2,x:210,y:256,w:692,h:20},
{t:"for it. ",p:2,x:210,y:284,w:48,h:20},
{t:"Many others‐‐call us and we can help you here. ",p:2,x:210,y:312,w:388,h:20},
{t:"Better Collections – Build into your proposals incentives for prompt or early payments.  Review ",p:2,x:120,y:357,w:778,h:20},
{t:"your aging regularly, not just when your bank balance starts to dwindle.  Assign this to one ",p:2,x:120,y:385,w:739,h:20},
{t:"person as their primary responsibility.  We would also suggest that it may make sense to ",p:2,x:120,y:413,w:721,h:20},
{t:"outsource this task.  Another crazy suggestion is to take credit cards.  Yes, there is a fee ",p:2,x:120,y:441,w:711,h:20},
{t:"associated with doing this, but the older a receivable gets the smaller the chance of collection. ",p:2,x:120,y:469,w:770,h:20},
{t:"How many balances in your aging right now are either uncollectible or have been sent to an ",p:2,x:120,y:497,w:748,h:20},
{t:"attorney for collection efforts?  Offer a discount and accept payment by credit cards, the owner ",p:2,x:120,y:525,w:780,h:20},
{t:"will like it because he will get bonus points for free travel or gift certificates. ",p:2,x:119,y:553,w:619,h:20},
{t:"Equipment Management – A great idea that I learned from one of our current clients was to ",p:2,x:119,y:598,w:755,h:20},
{t:"work with your insurance company to “mothball equipment.”  What our client did was set up ",p:2,x:119,y:626,w:761,h:20},
{t:"temporary fencing and locked all the trucks and equipment that was not needed and the ",p:2,x:119,y:654,w:724,h:20},
{t:"insurance company reduced his policy amounts.  Still paying full insurance on older equipment?  ",p:2,x:119,y:682,w:784,h:20},
{t:"Reduce to liability only, talk to your agent about this. ",p:2,x:119,y:710,w:433,h:20},
{t:"Benefits – When was the last time you took competitive bids on your health insurance?  What if ",p:2,x:119,y:755,w:783,h:20},
{t:"you could lower your monthly cost by $200‐400 per employee?  You need to get going on this ",p:2,x:119,y:783,w:764,h:20},
{t:"now.  Large companies change often.   A large hospital is getting another provider which will be ",p:2,x:119,y:811,w:778,h:20},
{t:"their third in the last four years.  It is very important that you do this annually.  Yes, I know that ",p:2,x:119,y:839,w:775,h:20},
{t:"you like and trust your current insurance broker.  You bid jobs competitively every day, why ",p:2,x:119,y:867,w:758,h:20},
{t:"shouldn’t your carriers.  ",p:2,x:119,y:896,w:202,h:20},
{t:"Technology ‐ If your software solutions are more than 4 or 5 years old, it may be time to look ",p:2,x:119,y:940,w:759,h:20},
{t:"for another solution.  Don’t buy just because it is newer; buy because it will yield a very ",p:2,x:119,y:968,w:712,h:20},
{t:"attractive Return on your Investment.  We have been involved in some situations where the ",p:2,x:119,y:996,w:750,h:20},
{t:"ROI was as little as 4 months. Examples could be: ",p:2,x:119,y:1024,w:402,h:20},
{t:"Wireless connection for field techs ",p:2,x:209,y:1069,w:285,h:20},
{t:"GPS enabled phones for your field employees (This one has some real hidden ",p:2,x:209,y:1097,w:630,h:20},
{t:"benefits for your bottom line).  Call us! ",p:2,x:209,y:1125,w:318,h:20},
{t:"Eliminate paper plans ",p:2,x:209,y:1153,w:180,h:20},
{t:"www.cfosonthego.net   / 951‐699‐6900 ",p:3,x:363,y:1178,w:298,h:18},
{t:"Automate bidding/estimating process resulting in more accurate and quicker ",p:3,x:210,y:87,w:628,h:20},
{t:"estimate production ",p:3,x:210,y:116,w:170,h:20},
{t:"Receive “Realtime” alerts on a job’s progress ",p:3,x:210,y:144,w:368,h:20},
{t:"Enter time sheets and daily field reports over the web ",p:3,x:210,y:172,w:441,h:20},
{t:"Marketing ‐ This is a good time to reach out and call your current clients; you should ask them ",p:3,x:120,y:228,w:768,h:20},
{t:"for a referral or a testimonial you can use to get future work.  It is a good time to update their ",p:3,x:120,y:256,w:764,h:20},
{t:"email addresses so that you can stay in touch with them.  You may want to send them a few job ",p:3,x:120,y:284,w:781,h:20},
{t:"photos of the last project you did for them.  Go to Amazon.com or Barnes and Noble and pick ",p:3,x:120,y:312,w:762,h:20},
{t:"up a copy of Duct Tape Marketing, one of our favorite books in a long time.  Do you have a ",p:3,x:120,y:340,w:738,h:20},
{t:"website?  They are not as expensive as you may think.  Call us and we can point you in the right ",p:3,x:120,y:368,w:777,h:20},
{t:"direction on this.  If you have stopped going to monthly trade association events, now is the ",p:3,x:120,y:396,w:750,h:20},
{t:"time to get back to them.  ",p:3,x:120,y:424,w:215,h:20},
{t:"Training – Pick up a book online or at the library on a topic you may have fallen behind on. ",p:3,x:120,y:481,w:738,h:20},
{t:"Check with the AGC or other trade associations.  I received an email from the AGC this morning ",p:3,x:120,y:508,w:776,h:20},
{t:"with over 20 upcoming classes.  We just gave one of our clients a great book on estimating; ",p:3,x:120,y:537,w:744,h:20},
{t:"sometimes going back to the basics is helpful.  Most people have a tendency to take short cuts ",p:3,x:120,y:565,w:771,h:20},
{t:"or get sloppy in the good times.  Now is the time for good core business practices, read some ",p:3,x:120,y:593,w:759,h:20},
{t:"books and implement one or two of the ideas/concepts that you think would add value to your ",p:3,x:120,y:621,w:775,h:20},
{t:"company.  Topics that I would suggest are project management, estimating, construction ",p:3,x:120,y:649,w:726,h:20},
{t:"accounting and of course marketing.  Our consultants attended over 200 hours of product ",p:3,x:120,y:677,w:735,h:20},
{t:"training the past two months.  We are using these slow times to hone our skills and you and ",p:3,x:119,y:705,w:749,h:20},
{t:"your employees should be doing the same. ",p:3,x:119,y:733,w:352,h:20},
{t:"These are just a few things to consider as we navigate through these tough times.  There is one ",p:3,x:119,y:778,w:775,h:20},
{t:"certainty in all of this, “those who are proactive on any of the above will be in a better position ",p:3,x:119,y:806,w:773,h:20},
{t:"than those who just complain about how bad it is out there.”  We are here to help.  Please call ",p:3,x:119,y:834,w:769,h:20},
{t:"us and ask us how you can take control of your company.  The first phone call is always a no ",p:3,x:119,y:862,w:749,h:20},
{t:"charge call.  So call us now at 951‐699‐6900.  If anything in this was helpful, please send me an ",p:3,x:119,y:890,w:770,h:20},
{t:"email at dennisf@cfosonthego.net and let me know. ",p:3,x:119,y:918,w:430,h:20},
{t:"Regards, ",p:3,x:120,y:963,w:74,h:20},
{t:"Dennis E. Feidner ",p:3,x:120,y:1053,w:145,h:20},
{t:"CEO for Chief Financial Officer on the go, co ",p:3,x:120,y:1077,w:358,h:20},
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