To be most effective in running a business -any business-you should be a ‘goal-setter.’ Your goals are what will give you purpose, direction and energy.

A well-written goal is more likely to be achieved. Use the SMART approach for defining your goals. Goals must be…

S pecific. A goal stating, “I am going to have a successful bookkeeping service” is too vague. A more appropriate goal would be, “I will have ten clients and be billing $3,000 per month by December 31st.”

M easurable. Define the expected outcome. In the previous example, the goal will be met when when he or she has 10 clients.

A ttainable. Concentrate on practicalities. Even an otherwise well-written goal is useless if it cannot be achieved within the allotted time. If you’re only giving yourself a week to find ten clients, it is probably unattainable. Three to four months would be more like it.

R ealistic. Reaching for the stars is an exhilarating way to approach goal-setting. But once you’ve targeted your dream goal, it’s time to ask yourself, “How close can I come to achieving it? Do I need to rethink this and set some smaller, intermediate goals?”

T imed. Your ultimate goal can easily fade into the distant future unless you set a real deadline for achieving it. The same principle applies to all your goals. It’s much easier to accomplish a goal if you have a definite time for doing it.

More Help With Business Questions

The “Start Your Business” section of the accounting-and-bookkeeping-tips.com site gives tips on getting your business moving and solving startup problems.
Click HERE to Learn How to Help Get Your Business On Target

Filling the Gaps

How the Accounting Profession May Respond to Talent Shortages

Last December Robert Half International, a staffing and consulting firm, created The Financial Leadership Council in order to report on trends in the accounting, finance and audit professions. Recently they released a report entitled “Charting the Future of the Accounting, Finance and Audit Profession” addressing the projected shortage of talent in the accounting field.

Universal Accounting Center has long been reporting that accounting is a sure profession with a bright future and endless opportunity. This new report confirms UAC’s assessment, expressing concern over the projected talent shortage while suggesting ways in which the profession can better attract and secure accounting professionals. The report also advices accounting professionals how to best prepare for changes in the industry.

Attracting and Retaining Skilled Professionals

The Financial Leadership Council advices employers to revise their recruiting practices in order to make even entry-level positions more appealing. Their suggestions include enhancing the branding of the accounting profession, showcasing exemplary professionals who successfully balance their families and careers while offering more career guidance, projects that promote growth, and challenging assignments mixed with routine tasks. The profession as a whole will be required to better understand what motivates and inspires this new generation of employees.

Preparing for Changes

And if you are looking to advance in the accounting profession, the council advices you to enhance your communication skills. Technological advances, including email and text messaging, will require the ability to communicate more, not less, effectively. And again, as UAC has consistently advised, an accountant’s ability to analyze financial information, to act as a profit and growth expert, and to inform business owners as they make crucial business decisions, will make them valuable assets to any organization. Finally, the council encourages accountants to improve their cultural literacy in order to increase their ability to function in a global economy.

To request a free copy of this report, visit www.financialleadershipcouncil.com.

The Professional Bookkeeper Program Can Help You Prepare

Universal Accounting Center has been helping individuals like you advance in the accounting industry for over 25 years. And one of the objectives of the Professional Bookkeeper Program is to train individuals to act as a company’s profit and growth expert, using the analysis of financial information to help small business owners make key decisions that will make their businesses more profitable.

Not only that, but in receiving this training you enable yourself to start a small business of your own as a freelance accountant. Never has there been a time where skilled accountants are in such high demand. You can craft your own opportunity, either advancing in your current job or taking that leap to start your own accounting firm. The possibilities are truly endless.

Napoleon Bonaparte once said, “Take time to deliberate, but when the time for action has arrived, stop thinking and go in.” UAC recognizes your need to take the time to decide whether or not this program is for you. That’s why we’ve created a DVD designed to help you start your own accounting and bookkeeping practice. This DVD will introduce you to our program and how you can use the training to take advantage of all the opportunities in the accounting field. For less than ten dollars you can deliberate and then prepare for action before it’s too late. Don’t waste another day. Order now!

Working all by your lonesome in your home office can often leave you feeling isolated. It’s important that you recognize there are countless resources designed to provide you with useful information, connect you with other professionals, help you solve common business problems and make you more profitable. And they’re all only a keypad away. Where can you find them? Right here.

Sites for the small business owner

These sites are designed specifically with the small business owner in mind. Here you can find helpful small business resources and access valuable guidelines and tips.

The Small Business Association. Their motto is “programs and services to help you start, grow and succeed.” The SBA is an independent agency of the federal government designed to promote the small business. With district offices across the nation, the SBA can help you access training, counseling, and other small business specialists. Their site also provides other valuable links.

The National Association for the Self-Employed. The NASE provides special member services to help you become a successful entrepreneur. They can provide you with the tools and resources that can save you time and money in your personal and professional life.

Accountants Who Blog. Blogging is a great way for professionals to share information and connect. This site provides you with a list of well-known blogging accountants.

Financial/Credit

Maintaining or building good credit is important for the small business owner. These resources are designed to do just that.

As a small business owner it’s important that you maintain good credit. There are three main credit reporting agencies that will help you check your standing and ensure that your identity isn’t violated by someone you do or don’t know. Visit Transunion, Experian, and Equifax to get your credit report or track your credit rating.

Better Business Bureau. Their mission is to be the leader in advancing marketplace trust. Dedicated to fostering fair and honest relationships between businesses and consumers, the BBB is supported by more than 300,000 local business members nationwide.

Medical/Insurance

We don’t have to tell you that medical insurance can be a grave concern for the small business owner. Here are a few resources that can help:

A.M. Best. A worldwide insurance-rating and information agency, A.M. Best provides users with valuable information about insurance companies in which they might be interested.

Med Advantage. One example of discount healthcare services.

YOURx PLAN. One example of discount prescription services.

Products/Services

If you’re like most accountants you depend on one or more software package to help you serve your clients. Here are a few product websites you might find useful:

QuickBooks Users. Go here to solve QuickBooks problems, connect with other users, and give and receive QuickBooks advice.

PeachTree Users. Go here to solve PeachTree problems, connect with other users, and give and receive PeachTree advice.

Universal Accounting Center Provides These and Many More Helpful Resources

These are just a few examples of helpful resources you’ll find at Universal Accounting Center. For more information like this, visit our Free Accounting and Tax Resources screen. Scroll to the bottom and you’ll find even more links, including articles for your home-based accounting business as well as real estate, travel, and employment sites. We pride ourselves on helping accounting professionals like you succeed. This is just another way UAC is trying to make your job as a freelance accountant a little easier.

Universal Accounting Center is pleased to announce that the Accounting and Bookkeeping Tips Accounting Forum, is now open and available to everyone on the internet 24 hours a day. For those of you that are not familiar with this FREE service, it gives you the opportunity to share ideas, ask and answer questions, and communicate with other professionals in the accounting field. The Forum also offers you a place to comment, and share your knowledge with others. You may access the Forum at the Accounting and Bookkeeping Tips web site.

We are thrilled to offer this FREE service to you. We hope you will visit our Small Business Forum often. We know you benefit from it.

What are the Benefits?

Many large CPA firms are going paperless, using document management software to scan and store business documents. But going paperless provides benefits that many small businesses don’t currently appreciate. How much time and money could your business save by going paperless? It’s probably more than you realize.

The Benefits

Here are a few ways document management software can make your business more manageable and, perhaps, more productive and profitable.

A more intuitive system for accessing files
Many firms go paperless by scanning business documents and filing them using the Windows system that was included in their computer package. Unfortunately, that’s like shoving all your files into one filing cabinet (i.e. the C drive). It doesn’t enable you to find what you need with grace and ease. A document management system allows you to pull the files you want with one simple command, saving you a significant amount of time.

Workflow automation
This isn’t a big payoff for small businesses, especially those that are one-accountant practices. But for larger firms that involve more than two or three individuals in the accounting process, document management software enables them to handoff documents in a timely manner, seamlessly passing them from one responsible party to the next.

Annotation capabilities
Many are weary of going paperless simply because they like the tangible nature of paper and are in the habit of annotating their documents. Document management software allows you to make notes on the electronic file with checkmarks and stamps. In an article called “Paperless Payoffs,” published in this year’s June issue of Accounting Technology, John Higgins, cofounder of CPA Crossings, explained, “When you go paperless, you also go pencil-less. That’s where people run into challenges. They’re accustomed to making notes on files. You’ve got to make those notes electronically.”

Retention policies
It can be a headache to manage all those files you are required to keep for a certain number of years. Document management software will manage those files for you, keeping them long enough to comply with regulations and then deleting them once that time has expired.

Training and security features
Obviously you want a system that will protect all those valuable files. Document management software can do that while allowing clients to view their information in an independent and secure manner, saving you the time required to send email updates.

An economical and convenient solution
Not only will document management software save you in office supply costs, but consider all those tasks that it can streamline for you, saving you time and money.

And a good example of how convenient it can be is illustrated in the paperless Law Office of Adam Spence as reported by the Baltimore Business Journal. Spence believes his paperless office edges out the competition. He said, “Opposing counsel usually walks in with big boxes and files full of paper; I walk in with my laptop. Clients see the difference and they experience the difference.” Imagine what it would be like to take your filing cabinet with you wherever you go: to meet with a client, out of town on business, or waiting to pick your child up from soccer practice.

Hopefully you see the countless benefits your business can experience by going paperless. But how do you do it? Join us next week when we present part two of this series on the Paperless Office and discuss the paperless process.

References
DeFelice, Alexandra. “Paperless Payoffs: Rewards from Document Management Systems.” Accounting Technology. June, 2007: 19-26.

Graham, Scott. “A Small Firm’s Approach to Competition - Go Paperless.” Baltimore Business Journal. 24 Feb. 2006.

How Do You Get Started?

Last week we discussed the benefits of going paperless. Not only could it save you time and money, but it can be a much more convenient way of doing business.

Rest assured it’s not too difficult to start a paperless trail. But you should approach the process thoughtfully in order to avoid the trouble spots many have stumbled in to. Here are a few steps you can take to get started.

Choose your document management software
Research and pick the document management software that will work best for your business. There are many valuable packages out there, including Acct1st, Cabinet NG, CCH, Doc.It, Easy Access Data, GoFileRoom, Intuit Lacerte, Intuit ProSeries, and Thomson Tax & Accounting. Some document management companies offer training with their software, a service that may cost more upfront, but save more money in the end. Consider all your options before committing to one package.

Buy a quality scanner
It’s important that you get a quality scanner before you begin converting all those paper documents into electronic files. And because a scanner is a significant investment, you should do your homework to ensure that the one you purchase matches your needs. An article entitled “Paperless Payoffs,” published in this year’s June issue of Accounting Technology, advices paperless hopefuls on things to look for when purchasing a scanner. They include:

• Paper feed: How many sheets can it handle at a time and does it accommodate multiple paper sizes?
• Speed: How many sheets does it scan per minute? DeFelice recommends 30 to 50 per minute for smaller firms.
• Smart scanning: This feature enables scanners to recognize certain forms (like tax forms) and populate the forms with corresponding data.
• Resolution: How important is it for your business to scan quality images? In some instances it may be beneficial (presentations, etc.) but in others it may slow down your scanner and use too much memory.
• Service: Is the scanner packaged with a service agreement? Maintenance costs can be excessive, but if your scanner comes with a good service agreement you can expect timely service when necessary.

Develop a document scanning process
To ensure that you get all your documents scanned in the order in which you want them to be, you should develop a process beforehand and follow it. Feel free to revise the process as you learn more.

Revisit your business processes
Once you’ve scanned all your documents and it’s business as usual, you should take the time to evaluate your businesses processes. Now that you’re working in an electronic environment there are changes that need to be made; some steps need to be eliminated and some steps need to be added. But in order for you to reap the benefits of a paperless office you must be willing to assess your procedures and make the necessary changes.

Back it up
Once your files are managed and stored electronically, you need to take the proper measures to protect those files by backing them up. You have lots of options, including flash drives, web-based storage, and external drives. Pick your method and back up your files frequently.

Going paperless can be a worthwhile endeavor as long as you don’t approach it haphazardly. Do your homework and evaluate each step you take to ensure that you are indeed creating a more convenient, time-saving, and money-saving process.

References
DeFelice, Alexandra. “Paperless Payoffs: Rewards from Document Management Systems.” Accounting Technology. June, 2007: 19-26.

Additional Services - Additional Income

Don’t Ignore The Services Traditionally Offered by a Company’s Accountant

It wasn’t really that long ago. Only a few years ago most accountants/bookkeepers offered a complete service to their clients. Bookkeeping services included monthly reports and analysis, quarterly tax reports and year end tax filings. All of these services were traditionally provided by the company’s bookkeeper.

It’s no surprise that a tax accountant is the perfect choice to help make decisions throughout the entire year that will affect year end tax results. And a qualified bookkeeper who is in the books on a monthly basis knows more about the financial workings of a small business than anyone else. If the bookkeeper and the tax accountant were the same person, he or she would be a powerhouse that would be invaluable to any business.

Create Profits For Your Practice by Offering Savings to Your Clients

Over the past several years, the day-to-day bookkeeping functions, the year end tax accounting and even payroll have been separated and provided by specialized services. Because the need for correlating information is critical to the business owner, if all of these services are provided by different third parties, it makes it more complicated for a small business owner to make informed decisions regarding his total financial situation.

For most small businesses, it makes sense for one accountant to do the monthly bookkeeping functions, the tax filings and even payroll. By offering all these services, you not only save your clients the collective billings of each specialist, you create a more complete financial picture for your tax clients and additional income streams for yourself.

This Makes Sense… How do I Make it Happen?

Once you are doing the tax accounting for your clients, adding bookkeeping services is really quite simple. Because you are already familiar with their particular tax situation you are in a position to not only offer consultation during tax time, but have very valuable counsel to offer throughout the entire year. What’s more, they already trust you with what they consider one of the most important issues they deal with all year… their year-end tax filings.

When you show your clients the benefits of bringing all of their accounting functions under one umbrella, you will be able to really have an impact on the bottom-line of their company and your tax preparation and accounting practice.

It Makes Sense for My Clients but Why Does it Make Sense for Me?

Making a shift from a “year-end” tax professional to a “year-round” tax professional is the first step. A client who is interested in using your bookkeeping services as well as your tax advice will be happy to compensate you on a monthly basis for your services. In fact, you’ll increase the amount you charge for tax planning and prepartation services.

How does this work? In conjunction with providing bookkeeping services, by offering tax preparation services, you will have the opportunity to earn more income over the entire year than by a single year-end tax filing alone. Let’s take a look at the potential numbers.

The graph above represents the income potential of combining a tax preparation practice with a bookkeeping service. The average small business will generate an income of around $300 to $400 per month for a freelance bookkeeper. This will amount to approximately 8-10 hours of work each month for the bookkeeper/accountant. Of course these are just averages, but that adds up to anywhere from $30 to $60 per hour. And you will experience this every month for every customer.

The average business tax return is billed at $950 and amounts to 7 or 8 hours of work for a skilled tax preparer. However, by charging for your service at a monthly rate of just $100 (That’s $1200 a year), you’ve increased the tax billing to your client by $250 per year, and by adding additional services your clients will be willing to pay that extra $250.

You are now in a position to offer valuable tax advice all year long. By doing all the bookkeeping functions, you have the numbers at your fingertips every single month to provide that valuable advice. What’s more, it will make year-end taxes much easier for you.

Your Monthly Billings Just Went Through the Roof!

Take another look at the graph and see what happens at only 5 clients. Your billing for that month is $2000. At 10 clients you’re billing $4000 per month! This is exciting. A year-round, profitable and rewarding business and all you need to do is add a few additional services and adapt your billing cycle.

How Would You Like to Semi-Retire in 12 Months?

Working with 10 clients or 20 hours per week will earn you around $4000 per month. I don’t know about you, but I think that’s a pretty good semi-retirement. Working with 20 clients at 40 hours per week will earn an average of $8000 per month. That’s $96,000 per year!

Serving You with Our Free Newsletters

We enjoy sending you information that we hope improves your work as a freelance bookkeeper or accountant. Our three newsletters, AB Tips, Tax Tips, and Career Tips, are intended to help professionals like you advance in whatever their current position in the financial field. The AB Tips Newsletter is designed to share accounting and bookkeeping tips with subscribers. Intended for individuals with their own accounting practice or for those who would like to start their own practice, we specifically include tips on how to market your services, how to streamline tasks, how to organize your office space, etc. Our Tax Tips Newsletter is for tax preparers or those interested in tax preparation. We provide tax news, information on starting your own business, tips on building your clientele, etc. And finally, we have our Career Tips newsletter, for those who work or would like to work in the accounting field. In this newsletter we include information on getting the right job, advancing in your field, moving into management positions, etc.

As we learn more about your needs, we alter our approach in order to better serve you. We’re adding a few things to the newsletter that we hope you enjoy. Here’s a breakdown of what’s included and how we hope it helps you.

Two articles

Since we began running our free ezines over two years ago, we have included two articles every issue that offer accounting and tax information, tips on running and marketing a small business, career guidelines and promotional pieces. The newsletters provide us with the opportunity to share our products and services with those we believe they best serve. Universal’s programs are top of the line and life-changing; we promote them because we know they help people like you achieve career goals and realize your business dreams.

We also use the newsletter as an opportunity to expose you to our many free resources, including personalized information from our President and CEO, Allen Bostrom in Allen’s Blog, UAC’s accounting and tax forums, the newsletters, and the Universal video tour.

Recently we’ve responded to requests for purely informational pieces as well. Last summer we asked newsletter subscribers to tell us what you wanted to read about. For the past six months we’ve tried to include articles on all suggested topics. Each newsletter contains one, if not two, informational pieces. We continue to welcome your feedback as we write articles intended to help you improve your financial services. Please visit our forums for a chance to give us feedback on past articles and suggestions for future articles.

Press Releases and New Products

We want you to be in-the-know about everything Universal, so we include all press releases, enrollment offers, and information about new products in our newsletters. From our new interactive testing center to our customized Professional Bookkeeper Program for Canadian residents, we want you to be the first to know what’s happening at Universal Accounting Center.

Quotable Quote

Everyone could use a little inspiration now and then, so we like to include a quotable quote in each issue of our newsletters. Funny quotes, somber quotes, quotes that make you want to get up and accomplish something, we try to include a variety that inspire and uplift.

“The Bottom Line”

And last but certainly not least is a new addition to our newsletters: a video clip we call “The Bottom Line.” In the serious world of financial statements, taxes, and projected profits, the bottom line is that we like what we do and can enjoy a good laugh now and then. The humorous clip is intended to help lighten your load and improve your day. We hope you look forward to this new feature and share it frequently with coworkers, family, and friends.

We want our newsletter to help you move forward in your goals as a financial professional. So stay tuned as we continue to improve our newsletters so that they can better serve your needs. We appreciate your support.

Don’t Get Laid Off -
Recession-Proof Your Job

The Best Career Advancement Tool is Also Your Safety Net

Don’t be nervous. Next to getting fired, nothing makes employees more uneasy than hearing that their company is in the middle of a merger. Depending on your particular place in the company, this may or may not mean that your position is in danger.

It may be difficult to determine the vulnerability of your particular job, but you have a lot of options. At Universal Accounting, we meet people every week who have been the victims of corporate mergers, downsizing or layoffs.

Many people have successfully chosen our program as the option for their future. There is good news. An accounting and tax preparation education from Universal Accounting provides a safety net for you and your family. Whether you want to improve you chances for staying in your present job or want to strike out on your own with an Accounting and Tax Business, Universal Accounting has a program that makes it possible.

How Can I Say This?

We informally surveyed 100 of our graduates last year at their one year graduation anniversary. Of those 100 people, 75 of them were working in the field of accounting or had been promoted to a management position.

Many of these people had no experience in bookkeeping or accounting until they purchased our course. As they worked through the practice sets of books in our course, they built a solid foundation of experience and knowledge that helps them contribute on a fundamental level to the profitability of the small businesses they work with.

The economic climate for small business is so competitive today that businesses all over the country are realizing that without a complete and thorough understanding of the accounting process, they are crippled. Those who take the opportunity to learn these valuable skills contribute to the profitability of those small businesse. Their potential for earning a great income and creating a wonderful lifestyle is just there for the taking.

I Don’t Have a College Degree… Does That Hurt My Chances?

Absolutely not. Colleges and Universities don’t prepare you for working with the accounting issues that face small businesses. (Despite the fact that 85% of our economy is wrapped up in small business.) They focus on teaching corporate accounting and analysis.

Universal Accounting has been teaching small business accounting since 1979… that’s over 25 years. We’re the small business experts. Our graduates all over the country help small businesses from dry cleaners to bicycle shops. These graduates contribute to these businesses’ financial bottom-line every day. And as your clients become more profitable, they will happily do the same for you.

“You Never Know What’s Going to Happen.”

Brad Karsh, president of JobBound, a Chicago career-counseling company says. “The situation is highly volatile.”

Conventional wisdom used to be that if you were part of the company making the acquisition, you were safe, but that isn’t the case any more. There is no way to know for sure if you will be a casualty of a merger, regardless of which side of the merger you’re on.

In today’s uncertain economy, you can protect yourself and your family from the uncertainty that follows a corporate merger. Of course, it takes a proactive approach… an investment in yourself.

The “Right” Investment in Yourself Protects You and Your Family

Whether you plan to stay in the corporate world or start your own business, a complete education in accounting and tax provides a great safety net. Skilled and qualified bookkeepers and accountants will always be in demand regardless of the industry. And these skills enable you to create a wonderful part-time income working out of your home as well.

As long as the government requires companies to maintain accounting records and file income taxes, the profession of bookkeeping and accounting will not go away. For job security that has existed since before the Italian Renaissance, I have not found a better opportunity available anywhere.

Don’t Miss Out on a Great Deal for the Most Complete Small-Business Accounting Training Available Anywhere!

Having a solid understanding of the Accounting and Bookkeeping methods and procedures is a great first step in learning the concepts behind Financial Business Analysis. You will learn to do books for small to mid-sized companies and how to analyze the books to prepare reports. You will learn to interpret reports so that you can advise your your current employer and future clients on how to reduce costs and to better understand their financial standing and profitability. Your clients will look to you as an invaluable source of information about the financial health of their organization.

You know the axiom: the only thing constant is change. Resisting change, especially when you run your own business, is lethal. As technology and the business world continue to plow forward you must maintain a steady jog in order to keep up. What can you do to avoid getting lost in the wake of change? Here are a few tips:

1. View change as opportunity

Many people fear change, and as a result, experience a reflex action against it. Before you can let change work to your advantage, you have to see it as a positive force. Make a concerted effort to think and talk about change in an upbeat way. Consider the surfer who uses the force of a wave to propel him forward, opposed to the tired swimmer who finds himself drawn further from the shore with each swell. In order to ride the wave of change, you must expel your fear of it.

2. Remember the client

The client is king, and if you don’t consider his/her needs as you respond to change, you may find yourself loosing touch with royalty. I once read about a great little coffee shop that had a loyal customer base. But all that changed when the coffee shop changed. Their prices rose drastically and the once-friendly servers became grumpy. The shop’s quaint atmosphere altered to a tense environment, and that loyal customer base began looking around for another quaint coffee shop. What was this small business’s big mistake? They didn’t remember their client as they began making changes. Perhaps they had to raise prices, but their approach was off-putting. Every time you make a change, or respond to one, ask yourself how it will affect your clients. It might even help to ask for a client’s opinion regarding impending changes; you may get great advice on how to approach them.

3. Anticipate the future

You don’t want to be blind-sided by significant industry changes. You’ll be better prepared for change if you can anticipate it. This requires you to do a little research and uncover general business trends as well as trends specific to accounting. Once you foresee a change, you can make strategic business decisions. You can also prepare your family and/or staff for necessary modifications.

4. Release the past

Too many people live by the motto, “If it ain’t broke, don’t fix it.” The horse-drawn carriage still works, but it won’t win any races against a bullet train. The past was good; it got you to the present. But holding on to it will only hold you back. Acknowledge the things you learned in the past, change what you need to change, and move forward.

5. Involve others

It’s important that you involve family and staff in your business decisions. Hold staff meetings where you discuss imminent changes and how to approach them. Talk with your family about them. It’s important for you to get feedback that will help you respond to the change well. Involving these individuals will also help you get buy-in from team players; they will be more invested in the changes if they were involved in making these crucial business decisions.

6. Design a plan

Now that you have talked to your family and/or staff, it’s time to design a plan to manage the change. List all necessary steps and the tasks associated with each. If you have a staff, be sure that each member knows which tasks they are responsible for.

7. Over-communicate with your staff

Over-communicate this plan with your staff. Remind them of what these changes will look like and how everyone is to deal with them. Sending one quick memo will not likely do the job.

Bill Gates is quoted as saying, “In three years everything my company makes will be obsolete. The only question is whether we’ll make them obsolete or somebody else will.” The most important thing you can do is be more aware of change. Embrace it; view it as an opportunity to grow your business. Because if you don’t respond to change well, chances are your competition will. Good luck riding that wave of change. You may be surprised at how much you’ll enjoy it.