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Equipment Financing and the Five Cs of Credit Evaluation

Sean Marten – Senior Credit Analyst, Crest Capital – 9/4/2007

Equipment financing lenders, as well as banks, use the Five Cs to evaluate loan applications: Character, Credit, Cash Flow, Capacity and Collateral. However, while banks look at small-to-medium size companies from a Fortune 500 perspective, equipment financing companies see applicants from a small business perspective, which highlights a sixth C: Common Sense.

Here is what a lending institution means when referring to the Five Cs:

Character - Every lender wants to understand what type of borrower an applicant will be in order to make smart, safe credit-granting decisions. The longer a company has been in operation, the more its payment history and outstanding credit reveal management’s attitude toward debt and making timely payments. Public records and references can come into play; still, the most reliable yardstick is the character of a smaller company’s owners. How they manage their personal financial obligations is usually a reliable indicator of the likelihood of their making timely payments. The more closely held a company, the more attention given the personal credit history of those in charge and their prior business history. No matter how solid a business plan appears and how reliable a company’s owners have been in the past, the realistic lender also wants the assurance of personal guarantees from the company’s owners. This may take the form of a signature or a pledge of cash or other collateral.

Credit - Business credit reports offer a quick glance at a company’s willingness to pay trade accounts on time, as well as any derogatory public records, such as suits, liens, or judgments that negatively affect a company’s credit rating. Such reports also show any UCC filings. Potential equipment lenders are interested in the depth of a business’s borrowing history. The longer a company has been in business, the easier it is for a lender to determine credit stature; a good ten- or twenty-year credit history obviously carries enormous weight. This places a startup company less than two years old at a disadvantage. So, when traditional data sources, such as Dun & Bradstreet and Paynet cannot supply adequate information, the personal credit histories of a company’s owners become highly important.

Cash Flow - Lenders want to see that any company applying for a loan earns enough money to meet payroll, cover fixed operating expenses, and comfortably make timely payments on a new equipment loan or lease. While there are a number of ways to define cash flow, lenders most often calculate the cash flow available to repay new debt as net profit plus such non-cash expenses as amortization and depreciation.

Capacity - Capacity is similar to a football team’s depth chart. The capacity to weather bad times is equally important to a company seeking funds. Capacity acknowledges that sometimes unforeseen things happen: a key employee becomes unable to work; a major customer is lost; an economic turn-down drastically reduces demand for product or services. Any number of other unlikely – yet possible – disruptions can negatively affect a company’s cash flow. And these disruptions can be temporary or permanent. So, capacity measures a company’s ability to pay off an equipment loan or lease with cash reserves or its ability to quickly convert real estate, stock, or other assets into enough funds to cover debt.

Collateral - How much collateral, above and beyond the equipment being financed, a company needs to secure a loan or lease depends largely on the nature of the lender and status of the business. A traditional bank often requires a blanket lien on all assets of the business while an equipment finance company normally uses only the equipment for collateral. A few lenders also offer sale-leasebacks and refinancing of existing equipment debt. This allows a company to free up cash flow or lower their monthly payment through equipment loans or leases.

Common Sense - Every decision to purchase and every decision to grant financing must be based on common sense. A lender needs to understand how additional equipment will increase the company’s stability and growth. Notwithstanding the risk every lender takes and the gamble every company makes when purchasing new equipment, for both lender and borrower, the foundation of a decision to finance equipment begins and ends with common sense.

Crest Capital is a commercial equipment financing and business equipment leasing company with offices in Alpharetta, GA

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Credit card processing for Internet Merchant Accounts, Retail Merchant Accounts, High Risk Merchant Accounts and Offshore Merchant Accounts.

Stradafee is a leading international payment provider based in New York. Stradafee can help businesses of all industries and sizes. We can meet the growing demands of global merchants of any country. Our dedicated e-commerce solutions include state of the art security and fraud protection. 24 - hour friendly support.

As experts in the electronic commerce world, StradaFee can offer several options designed to fit your business needs. Sales over the internet have skyrocketed. 87% of all online transactions are being paid using credit cards as the preferred method of payment. We offer e-commerce merchant accounts for Mid-to-High Volume Merchants and Low Volume Merchants. In today’s marketplace StradaFee understands you cannot afford not to accept credit cards. Our merchants can be based virtually anywhere in the world as our business is done internationally.

Products and Services

• Accept - All major credit cards including Visa®, MasterCard®, American Express®, Discover®, for products purchased on your website using an internet merchant account.

• Accept Checks Online via ACH or Bank Drafts - Give your customers the option of paying with an online check for products purchased on your website.

• Recurring billing - Automated billing of recurring payments.

• Shopping cart - We are compatible with most of the leading shopping cart vendors.

• Gateway - Integrate into our simple and highly secure credit card processing gateway for your e-commerce site.

• Online View - Access your merchant account activity online 24 hours a day 7 days a week

• Customer Support / Tech Support - Available to merchants 24 / 7.

• 99% Approval Rates - Even if you don’t have perfect credit, you can accept credit cards. Over 99% of all merchants are approved. What to expect with StradaFee: StradaFee is the one-stop solution that aims to provide E-Commerce related service providers the chance to maintain and grow their business. We assess the company, and offer a solution for the merchant. If you do not fulfill the requirements for a domestic merchant account; we will provide you with a third party or offshore merchant account. Once your sales volume increases you can change this solution into a dedicated merchant account.

Contact Information

Stradafee Limited
sales@stradafee.com
http://www.stradafee.com
International +54-11-4119-2063
USA / Canada 1-954-414-4131

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Even if you have finally decided to start your own virtual assistance business you still need to do a lot of things. Yes, that decision was the biggest of all steps but it doesn’t end there.  It is very critical that you have a business design that will ensure that your business will achieve its maximum potential. What better way to achieve such than to focus on your target market and make sure that they in return have their eyes on you. Grab their attention and never let them go.   How?

Be known. Make some noise in the virtual assistance community and anywhere essential for you to be popular. Try to be as seen as possible in places [cyber places?] where it is most likely that your clients go. If they frequent the place that you are in, then you gain advantage in actually having them as clients. If you are where you want to be then you will be with the people that you want to be with. Simple but effective.

How do you make noise? Of course you have to succumb to the wonders of advertisement. You have to make yourself available online and better yet, you have to make yourself known in cyberville. How? Maintain your very own website. State your specializations, the services that you offer, your contact information and if possible, your reasonable rates. The more information you give, the easier it is to convince potential clients that you have nothing to hide and that you are reputable enough to be depended on. Having a great image or reputation will go a long way in this business where people will rely on what you are known for in making their decision on whether to hire you or not.

After the establishment of your own website, you can now have your virtual assistance business listed in a number of directories, networks and other similar sites. This will ensure maximum exposure and maximum clientele potential.  It is always advantageous to be associated with other established organizations or groups that are in the virtual assistance business already. This gives you a sense of prestige and even dependability. It is imperative that your virtual assistance business will improve after taking sometime to build up your image.  After all, you cannot help but believe that sometimes, it’s all about appearances. First impressions, though they might not last, are critical. They are the make or break of your being hired by a company or an individual. So, make the right impression. Be pleasant.

After all the planning and picturing of what you’re going to do in your head, the next step will be to find someone that will help you execute your plans. Implementation and execution are equally important in making your business successful. No matter how much you plan, if they are not made into reality then it’s as useless as a faucet in the middle of the desert. If you need help, get one… after all, you already did the planning. It’s time to put those ideas into action.

—-
About the Author:

Althea Marie Tan is an Internet Marketing Specialist and runs her Internet marketing business online. She helps out webmasters and online business owners with their online needs. She also devotes some of her time writing articles on a wide-range of topics for several niche websites. She owns some sites and one of them is Virtual Assistant Nook, which is a resource site about the virtual assistance business.

For more information on how to choose the right virtual assistant for your business, visit http://www.virtualassistantnook.com

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Transporting vehicles from one place to another is considered to be the important requirement and more number of customer are availing the services provided throughout the world. When a vehicle is to be transmitted to another destination, adequate shipping services is required for the client. Different modes of shipping are available in the market and the client can choose the better carriage within their requirement. The pint of destination for carrying vehicle differs and generally, when a vehicle is carried in any modes of transport then such kind of transportation is referred as vehicle shipment.

The origin of car carriage services started from old ages itself and slowly it was developed a lot. During the past days, for transmission people used some kind of modes to carry on the requirement successfully. Today, trend has been totally changed and advancement of technology with regards to shipping has increased a lot. Large number of carriage companies is emerging nowadays considering the need and demand of transit. Most of the exotic car moving company offers the services in different types and they offer the transit in all types and sizes. More number of companies is offering the transit, but still the necessity of vehicle moving services is required in wide numbers.

All kinds of autos are transferred in this modes using special transmission. When an automobile is transmitted from one place to another, adequate care, precaution and safety measures are required for the carriage. Necessary auto carrying insurance also carried and they are fully insured, licensed and guaranteed performer of the contract is engaged. More number of clients requires licensed, insured and guaranteed obligator to carry on their vehicles more safely without causing any damage to the vehicle. The prices charged for transportation will be moderate and it differs as per the mode, weight of vehicle transmitted.

So, considering the necessity and importance of conveying huge number of companies are coming forward and performing their service in adequate manner. These kinds of services offer more benefits to the customer who are obtaining it and it is listed to be the important service throughout the world. International car moving services are also offered considering the demands throughout the world. The reason why most of the people consider the service is required because it is offered for more reasonable prices, pick-up and drop, door-to-door services, easy mode of payment and duration of time for delivery and even more.

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A virtual assistant, whom you hire on a contractual basis, can offer a wide-range of services that will aid you in your own business. It is not uncommon for you to at several times to expect more than what should be reasonably expected from your virtual assistant. This may be attributed to failure in communication between both parties. To make certain a more pleasurable and more importantly, a more productive business transaction, you must  ensure that you are able to fully communicate your expectations and what you think should be your virtual assistant’s function in the process.

You must be aware that a virtual assistant may either be someone who gives clerical, technical, industrial or artistic support while maintaining his/ her independence from your company. Generally, small-scale businesses or corporations hire virtual assistants to finish work that are clerical or in the ordinary course of their businesses, mundane or with minor consequences. On the other hand, a bigger company seeks virtual assistance for more specialized tasks, more skilled work that should be outsourced for efficiency. Logically speaking, the larger the company, the greater is the need for virtual assistance to be fulfilled by more than one virtual assistance firms.

Unfortunately, business owners like you who transact with virtual assistants at times forget to keep in mind the specific functions that a virtual assistant is hired for. This may be demonstrated if you, for example, persist on requesting for work to be done in an area that is beyond the scope of your contract with the virtual assistant or is unreasonable due to its impossibility and/or being excessive. Both parties, the employer and the virtual assistant, should be well aware of where to start, what the boundaries are and where to stop. Setting the right standards, especially in the contract-making process is one of the key solutions to that tendency to go “overboard” or even “under board”. If from the start, the rules have been clearly set and communicated, it preempts possible issues or conflicts in the future for you and your virtual assistant. This thus prevent work disruptions resulting to inefficiency or decrease in productivity, or not getting your money’s worth according to your expectations.

One misconception about a virtual assistant is that he /  she is someone who basically stays and works at home. You have to keep in mind that a virtual assistant doesn’t necessarily work solely at home because there are certain skills and certain jobs that require technical skills. More often, these virtual assistants that may only work at a designated office that is not his / her home to ensure that he / she has maximum productivity. A separate workplace oftentimes provide for the machines, gadgets and other supplies that a virtual assistant needs to fulfill his obligation as such.

In addition to virtual assistants not necessarily working at home, virtual assistants may also make it clear that they want to maintain their independence from the company. This is also synonymous to saying that they do not engage in the fulfillment of specific functions within the company’s organization. As a result, it will be unsuitable to expect them neither to become your company’s consultant nor to ask them about a job that they did not specifically declare to be one of their services.  It will not be beneficial for you to designate work that in the first place, were not offered by the virtual assistants to you because even if they do agree, if this work is not within their expertise, chances are, it is your company that will be negatively affected. You have to learn to listen to you virtual assistants too because communication, as mentioned earlier, will still be the best solution or method of conflict prevention.

At the end of the day, you have to remember to respect your virtual assistants too. You should not push them to fill in roles that they are not prepared to play. Remember that even if they are contractual employees, their obligations as such should be well-defined. There must be, as much as possible, no vagueness or ambiguity in the contract or even in your negotiation or discussion of what you expect from him. Constant communication, a well-written contract and understanding between you and your virtual assistant will ensure a flawless execution of the work that should be done.

About the Author: Althea Marie Tan is an Internet Marketing Specialist and the owner of Virtual Assistant Nook  — a resource site about the virtual assistance business. To know more about becoming a virtual assistant or hiring a virtual assistant, visit: http://www.virtualassistantnook.com

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Finding a virtual assistant is similar to shopping for the right shoes. If the shoes are reasonably priced, if they look good on your feet and are a good fit, then there is no reason why you should not buy it.  In finding your right virtual assistant, you have to be able to weigh your options, be knowledgeable in the strengths and weaknesses of your potential virtual assistant and know what you want at the same time.

How exactly will you know these strengths or weaknesses? The answer is simple: through proper information. Knowing the virtual assistant that you can potentially hire may start from knowing their area of expertise. The specialization of these virtual assistants will have to be compatible with your needs and expectations or in other words, your money’s worth.

Normally, individuals or companies who decide on employing virtual assistants want an extra hand in getting a number of paper work done. But it does not stop there. Companies and individuals also expect their virtual assistants to contribute creativity-wise in the development of the company. Creative virtual assistants also are in-demand at present and more often than not, these creative virtual assistants are given greater opportunities due to their attention-grabbing characteristics. They are able to expand their clientele through enticement.

Prior to deciding on whom to hire, proper communication of your expectations is important. Specifically, if you are in need of creative assistance, you must convey such need during business discussions between your virtual assistant and you.  You need not be worried because there are a number of virtual assistants who specialize in the image part of the business. They lend you their creative minds and creative juices if necessary. This complements the formal side of your business and this increases your company’s appeal as far as image goes.

The possibilities are endless– from the obvious virtual assistance on web design, you may find a virtual assistant that can plan and organize a certain event for you or your company. Although not as literally as visual as graphic design, creativity sure plays a very important role in such planning and organizing stage.  The details that may be contemplated upon in such instances are the invitations, the interior decoration of the venue and even that final “special touch” that will make your event more than just another night but a night to remember.

If you want to recreate your company’s image, repackage your products or even merely improve the aesthetics of your company, hiring a virtual assistant for such is not a bad idea. In fact, it may be seen as a brilliant idea. Having s virtual assistant whom you may depend on efficiently planning and organizing your event takes out the pressure in you and conveniently passes it to that virtual assistant. Such improvements on your company’s image will definitely bring in more business. These improvements may be attributed to the company’s gaining better popularity in terms of image and reputation.

About The Author:

Althea Marie Tan is an Internet Marketing Specialist and runs her Internet marketing business online. She helps out webmasters and online business owners with their online needs. She also devotes some of her time writing articles on a wide-range of topics for several niche websites. She owns some sites and one of them is Virtual Assistant Nook, which is a resource site about the virtual assistance business.

For more information on how to choose the right virtual assistant for your business, visit http://www.virtualassistantnook.com

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Every high risk merchant, or any other kind of merchant for that matter, who has an offshore merchant account or any kind of merchant account, or even those who still don’t have one, knows in their hearts that a very crucial factor in the long-lasting life of their businesses is to have positive customer satisfaction ratings. If there are no customers, then no matter how established the business is, it will all come down to a close.

Many articles have been written, so much tips have been offered on how to achieve on making your customers contented and satisfied over your product and services. If your satisfaction ratings are up, then your customer retention will be consistent. If your satisfaction rating are up, you can attract new customers through your regulars who’ll speak only high praises of you.

Hall of fame

Well, these aren’t actually rules. But tried and tested strategies on dealing with customers to make sure that the next time they’ll visit will be to buy, not to argue. That the next time that they’ll call for a supervisor will be to commend not to downgrade. As an offshore merchant account holder, yo should be able to sink these all in.

People come before paperwork

I know, we all have documents to prepare, presentations to draft, proposals to submit, and all other black and white forms to fill up. But the most important thing is your customers. Make them your first priority. Know you’ll say that, obviously they have always been your number one on the list. But is this truly what you or your staff practice?. Give it a thought.

Don’t rush the customer

Talk about being physically present but not actually being there. This happens when you have another million things lined up at the back of your mind. Make it a point to make them feel like they are the customer of the day, that you’re just fresh from opening every system. When they feel that you’re rushing them, they’ll think you don’t want them around. Need to tell what happens next after that?

Be friendly before you know who it is

Admittedly, there is a group of regulars, whom you truly adore in a business sense, who gets in our nerves due to their never-ending arguments regarding the same topic. No matter how hard you serve them the best way you can come up to, they’ll still find something to put their finger on. But be careful in getting used to this for you may end up branding your customers ,that you will not end up making false assumptions in treating an incoming customer.

Don’t be too busy to be nice

Even if you so many things to do with so little time, this is not an excuse for to be oblivious, to put it mildly, to your customer’s inquiries. You basically work to give them a better service, not to keep files. Well, you also have to that, but get someone to that for you.

Don’t use military language on civilians

Use credit card instead of plastic. Visa or Mastercard instead of credit card processor. Talk to them using universal terms. Leave the company jargon between you and your staff.

“There ya go” isn’t “Thank you” and “uh-uh” isn’t “you’re welcome”

Now, this isn’t opposing the previous rule, but just saying in another context. Being polite and friendly to your customers means treating them in a professional way. Using thank you and you’re welcome is part of being professional. Again, leave this between your staff or close pals.

Customer first

At the end of the day, these rules all come down to making your customer your number one thing in mind. No need to stress it right? Hard to make them completely satisfied, they’ll always want more and more. But hey, there lies the challenge to be better and be more competitive, right? When yo have happy customers, you’ll be a completely satisfied offshore merchant account holder.

Bailey Thompson works as a freelance financial consultant for an international investor relations company. Also works as freelance financial executive for http://www.offshoremerchantexperts.com  Gracefully quit her job at a merchant account provider company. On the side, is an antique dealer, with background on offshore merchant account, is currently testing it’s waters by setting up an offshore merchant account in a bank somewhere in the European continent.

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Management consulting for the average business.New times have brought with themselves many changes: political, economic , cultural etc. Many new professions have emerged.

One of them is the consultant for management and organizational development.Having decided to take an advantage of the services of consultants, it is necessary to understand , that:

1) Consultants are not magicians, miracles are not their competence.

2) Consultants are far not needed by all and are far not always needed. Many companies and executives can quite handle all standing problems independently. For average business , the consultant is needed, only if the company has tried to handle a problem independently , but has understood that it has insufficient resources for that.

3) The ability to choose “your” consulting company (consultant), depends on whether you will work well together, and whether there will be a cooperation fruitful for your company.

How do you choose consultants? On what should you pay attention to?

1) During meeting , pay attention to the professional skills of the consultant: whether he is able to listen , whether he hears what he is being told about, whether he is able to ask competent questions, to analyze received information, to offer variants from solutions of the assigned task .

 2) As a rule , the presentation of services of the consultants is accompanied by the use of professional terms. If there are a lot of them, and the consultant does not explain them by his own initiative, not even under your request, then that candidate «on a knockout».

3) The brilliant presentation of the services by consultants is not the keystone to success in the solution of the real problems of the company. It is compulsory you ask for the comments of their clients about the work of the consultants. Do not hesitate to ask questions about the thing that worry you or has guarded you in your actions or for the consultants’ offer. Comments about consultants and their colleagues can be got from the Association of Consultants for Management and Organizational Development.

4) During negotiations, by the comments of clients and the consultants’ articles, try to understand the consultants’ style of work and on how much it suits you and your company. If you feel very uncomfortable with the consultants during talks, or you understand that you are simply being manipulated, then it makes sense to find a different company that is closer to you by their communication style, values, and company culture.

Article prepared by CFC – ukraine pr corporation.

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Companies are spending money on training, but on haphazard and poorly planned training activities with little results to show in terms of enhancing the quality of the workforce and their performance. However, management cannot be totally blamed for this.

Master Trainer KC See attributes this gap to the people who understands training, people such as training managers, trainers and training consultants, for failing to sufficiently and professionally communicate, advice, guide, sell or inform the management.

Management generally wants to get clear and straightforward answers to one question before they agree to invest in training – “How do we get business results from training?”

The emphasis is on business results, and not on just having done “20 programmes this year,” as one training manager responded to a question on his achievements for the year. Results – not activities.

Business results occur when skills taught during a training activity are applied on the job, thereby improving job performance. Here are some tips from KC to ensure that the organization gets business results form its training investment:

1. Training activities must be linked to business needs and not just to the latest and hottest seminar in town.

Training must originate from business needs – for instance, a bank’s need to increase revenue by getting the tellers to cross-sell more-and not from simply responding to intermittent training requests without sufficient analysis to determine the reason for that request.

For example, a request like “Can you send the telephone operator for a telephone techniques course?” is not a need but suggested solution. The real business need could be to reduce customer complaints about having to wait a long time for calls to be picked up. If that operator has to answer 2,500 calls a day, the problem is not necessary a lack of telephone techniques – it could be a situation of work overload and training alone might not help.

2. Training must be performance based. Once business needs are identified, then next step is to identify what specific performance needs to be improved in order to either overcome a business problem – for instance, too many rejects form customers; or fulfill a business opportunity – for instance, staff to be able to sell a new line of products.

Proper training identification (TNI) must be carried out in order to provide valuable inputs to ensure that the training programme is designed to improve performance.

3. Work environment and the learning experience must support each other. Too often, training carried out results in the trainee going back to a working environment that does not support the learning experiences she has just gone through. A typical example is the employee who went for a seminar on motivation, got “excited” and returns back to working environment that regularly demotivates her. In six months, she’s back to her original self.

 One reason could be that the training programme was designed without sufficient pre-analysis that would enable the programme to be customized to relate to actual work situations.

K.C See is the CEO and Principal consultant for the Quest Group; an international training and consulting firm, which also runs the prestigious Certified Professional Trainers Course. Those seeking a career in training can write: cpt@masteryasia.com for a free consultation in Singapore, Kuala Lumpur, Shanghai and Beijing. Website:

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Yes, I’m talking about YOU – you can create wealth.

In the first place, it would be useful to understand the definition of wealth.

To the bankers and accountants, wealth simply means money in the bank, properties or shares investments.

I would like to give you a different perspective.

Donald Trump, who was in millions of debt, flipped his position over night.

Mother Theresa, who walked the streets of Calcutta with zero dollars in her pocket, can call for millions in donations.

So what exactly is wealth?

Wealth is a form of energy - energy you emit if you have the right thinking and association with the right people.

Let me explain further.

Right thinking means having the right mindset. It starts from believing in yourself and your idea.

Remember the saying “you reap what you sow”. What you sow in your mind, you reap in your life. Your outer world is a mere reflection of your inner world. The reason is simple: You take action based on you what believe; you get the results based on what you act on.

Knowing this simple logic of belief, action and result, it is apparent that our belief system plays a vital role in our success – whatever success means to you. If you believe that you can be successful, if you believe you can be rich, than you will take action to work towards your goals. Though the result is not guaranteed, your effort will improve your chances of getting it.

The reverse is also possible. You believe you cannot be rich for whatever reason (maybe you did not have a great education). Hence you will not work on your goals and because of the lack of effort, the likelihood is that you will not get what you wish for.

Therefore, the first step to wealth creation is having the right beliefs, or changing your beliefs if your existing beliefs are not serving you. Although most people easily understand this, it is perhaps the toughest step in practice. A belief system takes years, if not decades to build up. It takes great determination to change what has been ingrained in our minds, and more often than not, many will not persist, especially if they do not see immediate results.

Right thinking also means having the right attitude, including being grateful for what you receive in life. Start by having gratitude for little things, such as having the food on your table.

Life is kind. The more grateful you are, the more you will receive.

Association with the right people means making a decision to be in a community of people with positive mental attitude. These are like-minded people; they are ready to support you in your quest for bigger things in life.

The right people will also inspire you, both with their results and lifestyles.

They inspire you because you see that your limit is not your limit. From what they have achieved, you realise there is so much more you can do. You realise that you can get what you deserve if you don’t compromise but instead set high standards for yourself.

You will also learn their habits – habits for success. You begin to develop routines that bring you closer to what you want.

Being in a circle of successful people means you can model after them. Some of them may even become your mentors or coaches. Success leaves clues. You can observe carefully what brings them success, and duplicate their formulas into your life. In other words, you don’t have to re-invent the wheel. You can learn from their mistakes as well. Anyway, life is too short for you to make all the mistakes by yourself!

When you have both the right thinking and association, you have what it takes. You will begin to see results. As you advance, it becomes easier because success breeds success. At this point, the law of attraction comes into play. You become a magnet, not only to money, but also to other successful people and good things in life.         

Yes, you or anyone can create wealth, BUT, only if you have both of these – the right thinking and association with the right people. Start by making the decision to take that path… and you will be surprised what you will attract into your life. It’s your life – LIVE IT TO THE FULL!

Tan Teck Beng, is a Certified Professional Trainer, IPMA (UK) and business coach and has co-authored a book called “You Can Create Wealth” with KC See, founder of MasteryAsia and the Quest Group.

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