Podcast appearances and mentions of joe knight

หนังสือ Financial Intelligence: A Manager's Guide to Knowing What the Numbers Really Mean ของ Karen Berman and Joe Knight - วิชางบการเงิน เป็นวิชาที่สำคัญอย่างยิ่งต่อนักลงทุนทุกคน - หากเราไม่ศึกษางบการเงินเลย เราจะขาดนัยสำคัญที่เรียกว่าแก่นของบริษัทไป - การเชื่อมโยงของงบการเงิน จะทำให้เราตระหนักรู้ได้เลยว่าไม่มีอะไรที่จะทำให้เราพลาดได้เท่ากับการไม่สังเกต - งบกระแสเงินสดมันคือการดูการไหลเข้า และไหลออกของการเงินในบริษัทนั้น ๆ มันคือเคล็ดลับที่ไม่ลับของสินทรัพย์ - บางคนอาจจะไม่ใช่นักลงทุนก็สามารถศึกษาได้ เช่น อยู่สายการเงินอื่น ๆ เพื่อเพิ่มข้อสังเกตของความผิดปกติต่าง ๆ ที่เราควรเห็น

หนังสือ Financial Intelligence for Entrepreneurs: What You Really Need to Know About the Numbers ของ Karen Berman, Joe Knight and John Case - งบการเงินเพื่อผู้ประกอบการ ย่อมเป็นสิ่งที่เน้นย้ำว่าเราจะต้องศึกษาหาความรู้ให้มากที่สุดเท่าที่ทำได้ - การเงินมันเป็นศิลปะมากกว่าวิทยาศาสตร์ มันคือการดูความสมมาตรว่า งบนี้ทำไมถึงเป็นแบบนี้ ยังไงก็ต้องสอบทานอีกรอบหนึ่ง - เมื่อเงินสด ไม่ใช่เป็นกำไรที่บันทึกไปที่งบกำไรขาดทุน แต่เป็นสิ่งที่เราต้องตามไปดูงบกระแสเงินสดต่ออีกทอดหนึ่งด้วยว่า มันสัมพันธ์กันอย่างไร - แล้วการที่สุขภาพการเงินของบริษัทนั้นจะดีขึ้นได้ เราก็ต้องดูวิธีการบริหารเงินเป็นหลัก เพราะผู้บริหารบางคนลงทุนหนักจนเพิกเฉยสภาพคล่องไปเลย - ทั้งนี้ หนังสือเล่มนี้เหมาะกับผู้ประกอบการที่เพิ่งเริ่มต้นอ่านงบการเงิน ยังไงแล้วถ้าหากเราเป็นเจ้าของบริษัท เราก็ต้องทำเป็นเกือบทุกอย่าง โดยที่เป็นการป้องกันการบิดเบือนทางการเงิน

Brandon Butler and Nathan “Shags” McLeod interview Bill Atherton and Joe Knight of Coyote Hill Foster Care Ministries.Each year, hundreds of children enter foster care in mid-Missouri. This means hundreds of children in our neighborhoods are in unsafe homes.  Coyote Hill's mission is to provide a safe place to be a child for every child impacted by foster care. For over 30 years, Coyote Hill Foster Care Ministries has worked to keep kids safe.Topics discussed: history of Coyote Hill, program utilization, foster care challenges, parenting classes and family resources, success stories, becoming a foster family, program impact on children, therapeutic value of caring for animals, after school programming, how to get involved, what we are thankful for, mystery bait bucket and more.For more info:Coyote Hill Foster Care MinistriesCoyote Hill FacebookSpecial thanks to:Living The Dream Outdoor PropertiesSuperior Foam Insulation LLCDoolittle TrailersScenic Rivers TaxidermyConnect with Driftwood Outdoors:FacebookInstagramEmail:info@driftwoodoutdoors.com

When any finance business partner–a CFO or an FP&A professional–wants their counterpart across the table in marketing, sales or HR, to understand the essentials of numbers, they hand them the business classic, Financial Intelligence, A Manager's Guide to Knowing what the Numbers Really Mean. First published in 2006, the book has been named in the Top 100 Business Books of all time and remains a word of mouth sensation and continues to sell rapidly nearly two decades on. The classic was authored by former CFO, Joe Knight and Karen Berman. Until her untimely death 10 years ago, Karen, was also a force in engaging all employees in improving a company's finances Based on the principles of the book, Joe Knight, Partner and Senior Consultant with the Business Literacy Institute,  trains execs at some of the biggest companies in the world including NBCUniversal, Electronic Arts, and McKesson on business partnering and the importance of getting a business to understand and embrace their numbers and works. He has also been a guest on Bob Brinker's Money Talk show on KABC ratio and CNBC's Morning Call program. In addition his engaging keynote addresses, include "The Love affair with EBITDA" and "The Secrets of Finance Revealed". As CFO of Setpoint Companies, he spearheaded the financial education of engineers in this automation and roller coaster company and tells us some of his adventures from this journey and secrets to finance business partnering at the highest level. In this episode  The origins of the writing one of the most famous business books   Why I hated my time in finance at Ford Motor Company and how it shaped my thinking and journey Busting the fallacy you shouldn't share your numbers with your business Why actuals are not actual but just a guess (accountants close your ears).  How business partnering has changed  The metric of Financial literacy has stayed at 38% in companies for large companies nearly 20 years on Why it hurts operators if they don't understand the numbers  Focusing on three to five numbers  My experience with GE and NBC  The art of using limited data in finance  Harry Potter roller coasters and what it taught me about the ridiculous focus on EBITDA  Having seven Kids Not being a “numbers” person but a accretive person with numbers  Business Literacy institute: https://www.business-literacy.com/ Contact: mail@business-literacy.com

Joe Knight, past president of the Safari Club International Southern California Chapter joins Rick.See omnystudio.com/listener for privacy information.

Today's guest is Karan Sood, the Director of Sales Operations at Rakuten Kobo, a Canadian seller of ebooks, audiobooks, e-readers and tablet computers. Karan is a “Top Pricing Strategy Voice” on LinkedIn, recognized for his active contributions of insights and engaging content to the online pricing community. He has 16 years of experience in pricing, working for prominent global brands, including YellowPages, Mitsubishi and General Motors.In this episode, Karan discusses his professional journey as a pricing professional who's worked across several industries and facing some of the toughest challenges one might face in the field, including a global financial crisis and digital transformation in print advertising.  In sharing his story, Karan provides practical insights for pricing professionals and businesses interesting in using their pricing capabilities to drive outcome-oriented innovation within their organizations.Links to resources mentioned in the show:The Strategy and Tactics of Pricing 6th Edition by Thomas T. Nagle and Georg MüllerInfluence, New and Expanded: The Psychology of Persuasion by Robert B. Cialdini Financial Intelligence, Revised Edition: A Manager's Guide to Knowing What the Numbers Really Mean by Karen Berman and Joe Knight ----------Get your free copy of Get Ready for the Future Of Pricing with our A-Z Guide.You can access all of our Pricing Heroes episodes featuring our interviews with retail pricing experts at https://competera.ai/resources/pricing-heroes.Interested in joining a dynamic community of pricing experts? Check out the Retail Pricing Community on LinkedIn, where you will find a community of professionals sharing their expertise and discussing the latest trends.For more information about AI pricing solutions, visit Competera.ai.

In this episode of Finance and Leadership, host Tilcia Toledo speaks with FTI Consulting Senior Managing Director Joe Knight, where they delve into a comprehensive exploration of artificial intelligence, offering valuable insights for organizations navigating AI integration complexities.

Brian Feroldi: Financial Statements Explained Simply Brian Feroldi is a financial educator, YouTuber, and author. He has been intensely interested in money, personal finance, and investing ever since he graduated from college. His mission statement is to spread financial wellness. He loves to help other people do better with their money, especially their investments. Brian has written more than 3,000 articles on stocks, investing, and personal finance for The Motley Fool. In 2022, Brian's book Why Does The Stock Market Go Up? was published. The mission of the book is to demystify the stock market. It was written to explain how the market works in plain English. He's also the co-creator of the course, Financial Statements Explained Simply. Most of us are not accountants, but whether you work in a small business, a large corporation, a non-profit, or a government agency, the numbers define what resources that we have. Being able to understand and speak the language of financial statements is essential for leaders who want to influence decisions. In this episode, Brian and I review how to understand and read one of the most important reports for any organization: the income statement. Key Points A few hours of focus on the fundamentals of financial statement can provide you understanding and influence throughout your career. An income statement (also called a profit and loss statement or P&L) shows revenue, expenses, and profit over a period of time. It's similar to your personal budget. Revenue minus cost of goods sold is gross profit. Subtracting operation expenses from gross profit give you an organization's operating income or EBIT (earnings before income and taxes). Depreciation spreads out the cost of tangible assets (equipment, vehicles, buildings) their useful lives. Amortization does the same thing for intangible assets (loans, copyrights, patents). The “bottom line” is literally the bottom line at the end, either net income or net loss. Resources Mentioned Brian Feroldi's newsletter Financial Statements Explained Simply (course) Related Episodes Improve Your Financial Intelligence, with Joe Knight (episode 244) How to Approach Corporate Budgeting, with Jody Wodrich (episode 355) Dumb Things Smart People Do With Money, with Jill Schlesinger (episode 396) Discover More Activate your free membership for full access to the entire library of interviews since 2011, searchable by topic. To accelerate your learning, uncover more inside Coaching for Leaders Plus.

It's episode 60 which can mean only one thing, the return of Ken Andrews!! No that's not right, the return of Joe Knight!! They look so similar it's an easy mistake to make….it's the return of Ken Knight and Joe Andrews! Join us as we talk about all things martial arts, beards, teaching and so much more. Socials and Merch https://www.instagram.com/glynham1990 https://www.instagram.com/ conversations_on_karate https://twitter.com/convokarate?s=21 https://www.facebook.com/conversationsonkarate www.conversationsonkarate.com Our training notebook! https://amzn.to/3zTtAwu Our Merch! https://www.teepublic.com/user/conversations-on-karate Buy us a coffee! https://www.buymeacoffee.com/KarateConvo Music courtesy of https://www.purple-planet.com

Ram Charan: Leading Through Inflation Ram Charan is a bestselling author, teacher, and world-renowned advisor to CEOs and other business leaders of some of the world's best-known companies. His work is often behind the scenes and focused on highly sensitive and fate-making issues. Fortune magazine published a profile of Ram in which it called him “the most influential consultant alive.” His book Execution, lauded for its practicality, spent more than 150 weeks on the New York Times bestseller list. Ram's energetic, interactive teaching style has won him several awards, including from GE's famous Crotonville Institute and Northwestern. Ram was elected a Distinguished Fellow of the National Academy of Human Resources and was named one of the most influential people in corporate governance and the board room by Directorship magazine. He has served on the Blue Ribbon Commission on Corporate Governance and serves or has served on a dozen boards in the U.S., Brazil, China, India, Canada, and Dubai. He is the author with Geri Willigan of Leading Through Inflation: And Recession And Stagflation. In this conversation, Ram and I explore the changing macroeconomic environment and what leaders can do to address it. We discuss the importance of managing cash well and how pricing decisions can be made effectively. Plus, we discuss the critical nature of partnerships throughout the supply chain — and where the opportunities may be in the midst of challenge. Key Points Inflation consumes cash. Cash management is the number one risk to an organization during this time. The way to get ahead of the curve is to be predictive vs. reactive. This may be a time the existing business model needs to change. Inflation creates an illusion of growth. It's important to adjust for this in all reporting and planning. Work with all sides of the value chain. Help customers deal with rising costs while also working closely with suppliers. Regular communication is essential. Smaller, regular price adjustments are better than less frequent, larger increases. Resist the temptation to offer less for the same price. Resources Mentioned Leading Through Inflation: And Recession And Stagflation* by Ram Charan and Geri Willigan. Interview Notes Download my interview notes in PDF format (free membership required). Related Episodes Improve Your Financial Intelligence, with Joe Knight (episode 244) How to Approach Corporate Budgeting, with Jody Wodrich (episode 355) How to Multiply Your Impact, with Liz Wiseman (episode 554) Discover More Activate your free membership for full access to the entire library of interviews since 2011, searchable by topic.

Semiconductors are integral to the products we use in everyday life. They are even at the centre of global political disputes. Some predict the industry will be worth over US$1 trillion by 2030, given an ever-increasing demand for chips, and therefore, from an investment perspective, it's important to remain on top of developments. To this end, the Ninety One Quality team sat down for a deep dive on the semiconductor industry to analyse the market through a quality investment lens and discuss which companies will be the long-term winners in the space. Featuring portfolio specialist Joe Knight, Asia-focused portfolio manager, Charlie Dutton and William Nott, a global analyst on the team. Hosted on Acast. See acast.com/privacy for more information.

BENNIE GREEN “BACK ON THE SCENE” – Hackensack, N.J., March 23, 1958 I love you, Melba’s mood, Just friends Bennie Green (tb) Charlie Rouse (ts) Joe Knight (p) George Tucker (b) Louis Hayes (d)             MICHAEL SARIAN “LIVING AT THE END OF THE WORLD” – Roselle, New Jersey, 2022 Cinta […]

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Hey Guys, It's TJ. This is My Review Of This Week's NXT - 13th July 2021. This Was A Good Show...Surprise Return Of A Women's Superstar From RAW, A Very Good Main Event Between Karrion Kross And Johnny Gargano, LA Knight - Cameron Grimes Butler Segments As Expected Are Great...I Don't Know What I'm Saying, But I Excited To See What Funny Things Will Play Out Next Week Between Them. Aliyah Turns Face And Attacks Robert Stone. NO NWA POWERRR REVIEW TODAY AS IT WAS POWERRSURGE THIS WEEK, NOTHING NOTEWORTHY OF SORTS... Listen To My Review To Know All The Important Things And Thoughts On This Week's NXT... What Are You Thoughts On The Show, Especially The Main Event. Be Sure To Listen To My Podcast Here. Post your Opinions and Thoughts on This Week's NXT. Tell Me In The Comment Section Below, What Did You Think About This Week's NXT. You can Always Find Me On Youtube Known as 'Beyond The Ring Podcast'. NEW PODCAST EVERYDAY Be sure to Like and Subscribe to My Youtube Channel. Follow me on Twitter for Latest Updates on My Reviews and Content. Youtube Channel: https://www.youtube.com/channel/UCvBsk-8pqz56aATugvIeJSg Follow Me on : Twitter: @TN39736235

In this episode, financial expert Joe Knight tells Brian many of the ways business owners get tripped up by their financials, including: Not tracking cash flow, not having a business relationship with more than one financial institution, and never negotiating financial matters. Listen in, take notes, and then apply the advice to your own business.

NOW AVAILABLE ON FOWL PLAYERS RADIO!!! www.fowlplayersradio.comToday we welcome Gene Vincentt back to Fowl Players Radio!Gene and his band "The Cadillac Cruisers" have been the opening act to over 340 legendary rock and roll acts (CORRECTION: according to Gene- 340 legendary rock and roll acts have closed for them!)We discussed the impact of COVID on our performing this past year, and he spoke of two of his friends that he's lost in recent years- Joe Terry of Danny and the Juniors and Frankie Ford.He told many other stories too, including performing at the Dundalk Heritage Fair for "36 or 37 times", and appearing over the years with such acts as Mickey Dolenz from "The Monkees" and "The Mahoney Brothers", a well known Beatles tribute band.He told me of performing at rock and roll festivals in Pittsburgh PA with such acts as Little Richard, Lou Christie, Joey Dee and The Starliters, Little Anthony, Frankie Valli, Jimmy Butler, and others; and we reminisced about some legendary Baltimore area broadcasters such as Marty Bass, Stu Kerr, Joe Knight, Johnny Walker, and Jack Gale, and a story about Gene getting into mischief on the set of Romper Room at WMAR Channel 2 studios!https://www.mdparty.com/performers/default?id=8650Subscribe for free at www.fowlplayersradio.com or listen on Apple Podcasts, Google Podcasts, Spotify Stitcher, iHeart Radio, Podcast Addict, Podchaser, Pocketcast, Deezer, Listen Notes, Player FM, Podcast Index, Overcast, Castro, Cast Box, or PodfriendFollow us on Facebook, Instagram, and Twitter!!The Fowl Players of Perryville are now booking Murder Mystery Shows for the late summer and fall of 2021! Indoor or outdoor venues, trains, boats, office parties, fundraisers, or just for the heck of it!443-600-0446www.fowlplayersofperryville.comfowlplayersperryville@yahoo.com

Imagine seeing a giant wave about on top of you but instead of freaking out you laugh, safe in the knowledge that you're done your training and you're going to be fine.  Today on soulfull conversations we have @mrjoeknight of one ocean international.  We discuss Watermanship,  Apnea training and the power of the breath to transform your life!

BENNIE GREEN – BACK ON THE SCENE – Hackensack, N.J., March 23, 1958 I love you, Melba’s mood, Just friends Bennie Green (tb) Charlie Rouse (ts) Joe Knight (p) George Tucker (b) Louis Hayes (d) HANS GLAWISCHNIG – COMMON GROUND – Brooklyn, NY, April 11,...

Chris Hogan: Everyday Millionaires Chris Hogan is a best-selling author, a personal finance expert, and America’s leading voice on retirement, investing, and building wealth. His goal is to help as many people as possible avoid financial traps and set their families up for the future. His book Retire Inspired: It’s Not an Age; It’s a Financial Number* is a number one national best seller, and The Chris Hogan Show has millions of downloads. He is also the author of Everyday Millionaires: How Ordinary People Built Extraordinary Wealth―and How You Can Too*. In this conversation, Chris and I discuss the national study that his organization conducted on everyday millionaires. We address some of the common misconceptions about millionaires. Plus, we detail both the mindset and behaviors that millionaires have that support the creation of wealth. Key Points The top three occupations for millionaires are engineer, accountant, and teacher. Millionaires steer clear of debt. Millionaires have a mentality of abundance vs. scarcity. They embrace change and usually see adversity as an opportunity for growth. Millionaires are frugal, not flashy. They spend less than the general population on groceries, restaurants and clothing. Employer sponsored retirement plans are a key vehicle the vast majority of millionaires use to build wealth. Only 1 in 5 millionaires receive any kind of inheritance. Resources Mentioned Everyday Millionaires: How Ordinary People Built Extraordinary Wealth―and How You Can Too* by Chris Hogan The Chris Hogan Show Related Episodes Improve Your Financial Intelligence, with Joe Knight (episode 244) Four Rules to Get Control of Your Money, with Jesse Mecham (episode 356) Dumb Things Smart People Do With Money, with Jill Schlesinger (episode 396) Discover More Activate your free membership for full access to the entire library of interviews since 2011, searchable by topic.

Chris Hogan: Everyday Millionaires Chris Hogan is a best-selling author, a personal finance expert, and America’s leading voice on retirement, investing, and building wealth. His goal is to help as many people as possible avoid financial traps and set their families up for the future. His book Retire Inspired: It’s Not an Age; It’s a Financial Number* is a number one national best seller, and The Chris Hogan Show has millions of downloads. He is also the author of Everyday Millionaires: How Ordinary People Built Extraordinary Wealth―and How You Can Too*. In this conversation, Chris and I discuss the national study that his organization conducted on everyday millionaires. We address some of the common misconceptions about millionaires. Plus, we detail both the mindset and behaviors that millionaires have that support the creation of wealth. Key Points The top three occupations for millionaires are engineer, accountant, and teacher. Millionaires steer clear of debt. Millionaires have a mentality of abundance vs. scarcity. They embrace change and usually see adversity as an opportunity for growth. Millionaires are frugal, not flashy. They spend less than the general population on groceries, restaurants and clothing. Employer sponsored retirement plans are a key vehicle the vast majority of millionaires use to build wealth. Only 1 in 5 millionaires receive any kind of inheritance. Resources Mentioned Everyday Millionaires: How Ordinary People Built Extraordinary Wealth―and How You Can Too* by Chris Hogan The Chris Hogan Show Related Episodes Improve Your Financial Intelligence, with Joe Knight (episode 244) Four Rules to Get Control of Your Money, with Jesse Mecham (episode 356) Dumb Things Smart People Do With Money, with Jill Schlesinger (episode 396) Discover More Activate your free membership for full access to the entire library of interviews since 2011, searchable by topic.

Angelo and Jared discuss some of the newest options at the Ice Breakers Team Store (1:17) before sitting down with two of the team's off-ice officials (2:42 - 34:06), P.A. Announcer Scott Tennant and official scorer Joe Knight. Next, GM Nick Russo answers your questions in another Fan Mailbox (34:40 - 45:51). The show ends with a quick preview of our next episode (46:10).

Good To Great by Jim Collinshttps://www.amazon.com/Good-Great-Some-Companies-Others/dp/0066620996/ref=sr_1_2?dchild=1&keywords=Good+To+Great+by+Jim+Collins&qid=1594662891&sr=8-2The Art of Closing the Sale by Brian Tracyhttps://www.amazon.com/Closing-Sale-Brian-Tracy-2012-03-12/dp/B017MYT7SW/ref=sr_1_2?dchild=1&keywords=The+Art+of+Closing+the+Sale+by+Brian+Tracy&qid=1594662806&sr=8-2Zero to One - Peter Thielhttps://www.amazon.com/Zero-One-Notes-Startups-Future/dp/0804139296/ref=sr_1_2?dchild=1&keywords=Zero+to+One+-+Peter+Thiel&qid=1595359734&sr=8-2Entrepreneurial Leap - Gino Wickmanhttps://www.amazon.com/Leap-Have-Takes-Become-Entrepreneur/dp/1948836815/ref=sr_1_3?dchild=1&keywords=Entrepreneurial+Leap+-+Gino+Wickman&qid=1595359758&sr=8-3Traction - Gino Wickman https://www.amazon.com/Traction-Get-Grip-Your-Business/dp/1936661845/ref=sr_1_1_sspa?dchild=1&keywords=Traction+-+Gino+Wickman&qid=1595359782&sr=8-1-spons&psc=1&spLa=ZW5jcnlwdGVkUXVhbGlmaWVyPUEyTElaM0JaTUZINUNQJmVuY3J5cHRlZElkPUEwODkwNTY1MUk2MjVZRDZSUlg0WiZlbmNyeXB0ZWRBZElkPUEwODYwMTUzMVg3OFg3WjczMktSMyZ3aWRnZXROYW1lPXNwX2F0ZiZhY3Rpb249Y2xpY2tSZWRpcmVjdCZkb05vdExvZ0NsaWNrPXRydWU=  https://www.amazon.com/Outliers-Story-Success-Malcolm-Gladwell/dp/0316017930/ref=sr_1_2?dchild=1&keywords=Outliers+-+Malcolm+Gladwell&qid=1595359803&sr=8-2Financial Intelligence - Karen Berman & Joe Knight https://www.amazon.com/Financial-Intelligence-Revised-Managers-Knowing/dp/1422144119/ref=sr_1_2?dchild=1&keywords=Financial+Intelligence+-+Karen+Berman+%26+Joe+Knight&qid=1595359828&sr=8- Marketing to Gen Z - Jeff Fromm & Angie Reed https://www.amazon.com/Marketing-Gen-Vast-Different-Generation-Influencers/dp/0814439276/ref=sr_1_2?dchild=1&keywords=Marketing+to+Gen+Z+-+Jeff+Fromm+%26+Angie+Reed&qid=1595359857&sr=8-2The Personal MBA - Josh Kaufman https://www.amazon.com/Personal-MBA-Master-Art-Business/dp/1591845572/ref=sr_1_2?dchild=1&keywords=The+Personal+MBA+-+Josh+Kaufman&qid=1595359875&sr=8-2The Startup Checklist - Dave Rosehttps://www.amazon.com/Starting-Business-QuickStart-Guide-Entrepreneurial/dp/1945051825/ref=sr_1_2_sspa?dchild=1&keywords=the+startup+checklist+dave+rose&qid=1595421379&sr=8-2-spons&psc=1&spLa=ZW5jcnlwdGVkUXVhbGlmaWVyPUEySE85Q1A1ODFOM0xWJmVuY3J5cHRlZElkPUEwODA0NDcyMlNJWUlFTjZBT1AwSCZlbmNyeXB0ZWRBZElkPUEwMDgxMjUzM0FGWEZMWUtTUVVJNyZ3aWRnZXROYW1lPXNwX210ZiZhY3Rpb249Y2xpY2tSZWRpcmVjdCZkb05vdExvZ0NsaWNrPXRydWU=Lean Analytics - Alistair Croll & Ben Yoskovitz https://www.amazon.com/Lean-Analytics-Better-Startup-Faster/dp/1449335675/ref=sr_1_2?dchild=1&keywords=Lean+Analytics+-+Alistair+Croll+%26+Ben+Yoskovitz&qid=1595421400&sr=8-2Talk Like TED - Carmine Gallo https://www.amazon.com/Talk-Like-TED-Public-Speaking-Secrets/dp/1250061539/ref=sr_1_2?dchild=1&keywords=Talk+Like+TED+-+Carmine+Gallo&qid=1595421422&sr=8-2E-Myth - Micharl Gerber https://www.amazon.com/Myth-Chief-Financial-Officer-Businesses/dp/0983500142/ref=sr_1_3?dchild=1&keywords=e-myth+-+michael+gerber&qid=1595421462&sr=8-3Think and Grow Rich - Napoleon Hill https://www.amazon.com/Think-Grow-Rich-Complete-Original/dp/125021534X/ref=sr_1_1_sspa?dchild=1&keywords=Think+and+Grow+Rich+-+Napoleon+Hill&qid=1595421484&sr=8-1-spons&psc=1&spLa=ZW5jcnlwdGVkUXVhbGlmaWVyPUEzRE41UkpZN0VNU0pLJmVuY3J5cHRlZElkPUEwMzU2MjgzMTdXWTZHSFEyQlVaUyZlbmNyeXB0ZWRBZElkPUEwOTk1Nzc1MVRVMjdESVRBOVVBOSZ3aWRnZXROYW1lPXNwX2F0ZiZhY3Rpb249Y2xpY2tSZWRpcmVjdCZkb05vdExvZ0NsaWNrPXRydWU=The Fourth Turning - Neil Howe & William Strauss https://www.amazon.com/Fourth-Turning-American-Prophecy-Rendezvous/dp/0767900464/ref=sr_1_1?dchild=1&keywords=The+Fourth+Turning+-+Neil+Howe+%26+William+Strauss&qid=1595421500&sr=8-1MONEY Master the Game - Tony Robbins https://www.amazon.com/MONEY-Master-Game-Financial-Freedom/dp/1476757860/ref=sr_1_2?dchild=1&keywords=MONEY+Master+the+Game+-+Tony+Robbins&qid=1595424686&sr=8-2Quit and Get Rich - Karl GibbonsLeadership Crisis by John Allison (bb&t principles)The Present by Spencer JohnsonEat the Rich by PJ O’Rouke The startup checklist: 25 steps to a scalable, high-growth businessThe leadership Challenge: Kouzes PosnerEntrepreneurship The Art of the Unknown by Lauren Black SchwarzLean Analytics by O’Reily

Andrew Carroll: CFOAndrew Andrew is a CPA and consultant at CFOAndrew who advises leaders and businesses on financial questions and change. He supports organizations in navigating taxes, investments, insurance, business strategy, operations, mergers and acquisitions, and accounting. Key Points Know the difference between deferred demand and lost demand and consider that in your strategy going forward. Leverage is meant to protect a business, not save it. Hedging is the most important thing you can do with your money. Business owners and leaders should consider unemployment programs and, in The United States, Emergency Sick Pay, Economic Injury Disaster Loan Emergency Advance, and the Paycheck Protection Program. Use the formula P=40 to 70, in which P stands for the probability of success and the numbers indicate the percentage of information acquired. Once the information is in the 40 to 70 range, go with your gut. -Colin Powell Resources Mentioned CFOAndrew Related Episodes Improve Your Financial Intelligence, with Joe Knight (episode 244) How to Approach Corporate Budgeting, with Jody Wodrich (episode 355) Four Rules to Get Control of Your Money, with Jesse Mecham (episode 356) Dumb Things Smart People Do With Money, with Jill Schlesinger (episode 396) Discover More Activate your free membership for full access to the entire library of interviews since 2011, searchable by topic.

Andrew Carroll: CFOAndrew Andrew is a CPA and consultant at CFOAndrew who advises leaders and businesses on financial questions and change. He supports organizations in navigating taxes, investments, insurance, business strategy, operations, mergers and acquisitions, and accounting. Key Points Know the difference between deferred demand and lost demand and consider that in your strategy going forward. Leverage is meant to protect a business, not save it. Hedging is the most important thing you can do with your money. Business owners and leaders should consider unemployment programs and, in The United States, Emergency Sick Pay, Economic Injury Disaster Loan Emergency Advance, and the Paycheck Protection Program. Use the formula P=40 to 70, in which P stands for the probability of success and the numbers indicate the percentage of information acquired. Once the information is in the 40 to 70 range, go with your gut. -Colin Powell Resources Mentioned CFOAndrew Related Episodes Improve Your Financial Intelligence, with Joe Knight (episode 244) How to Approach Corporate Budgeting, with Jody Wodrich (episode 355) Four Rules to Get Control of Your Money, with Jesse Mecham (episode 356) Dumb Things Smart People Do With Money, with Jill Schlesinger (episode 396) Discover More Activate your free membership for full access to the entire library of interviews since 2011, searchable by topic.

Episode 135 - The One with Adam Lean   How do you know how well you are doing if you don’t measure it?  Ok, how about this...  How would you know who was winning if they dint keep score?  Now try this: How do you know how you are doing if you aren't keeping score?   And the better question is: how do you get better if you don’t know to get better?  I am talking about metrics.  Metrics is how we can keep score on everything we do.  If it has and input and an output, you can measure it.  But the thing is, most of us don’t measure anything.  How long does it take you to service and account, run a test, write a report, or sale a new customer?    Peter Drucker said “What get’s measured get’s improved.”  So, if we aren't measuring, we don’t have the structure to improve.  One of the things we need to measure in business is our business.  The is a limitless supply of items we can measure in business.  But measuring them is only step one.  Know what to do with that data and then how to know you are improvement is what is needed.  I'm guessing you are like me and you use a handful of metrics.  But what about the ones you don’t know to use because you’ve never heard of them.  Those could be the ones that solve that problem you are dealing with.  IF you don’t know what they are, you cannot benefit from them.   That’s why I partner with people that know more than I do.  Napoleon Hill in Think and Grow Rich mentioned how Henry Ford admitted under oath that he didn’t know everything he needed to know about business.  But he had access to those people he needed to help him fill in the gaps.  What are your gaps?  How will you fill them in?  Having a partner like Mr. Ford alluded to is key.  Today I talk with one of those partners, Adam Lean of The CFO Project.  Adam lets us know what we should be thinking about when it comes to tracking how we are doing in business.  Many have asked me about how they can find someone to help them in particular areas like:  Financial (CFO)  Technical  Virtual assistance  Insurance  And the list goes on...  I and the Scaling UP! H2O team have partnered with individuals and companies we trust and can help you with your questions.  Remember, Henry Ford didn’t know everything, he just knew who had the information he needed when he needed it.  Isn't it time you started thinking like Mr. Ford?    Go to scalinguph2o.com/ta to find a trusted advisor to help you today.   Key Quotes:  “More often than not accounting is just looking at what happened, not how to be proactive to make something happen.”  -Adam Lean “Fifty percent of all small businesses will fail within the first five years. It’s because they did not focus on the right things that matter to have a profitable business.”  -Adam Lean “Most business owners are very busy and are focused on the day to day operations because that is what they enjoy doing. In order to stay in business you’ve got to focus on the most important things needed to have a profitable business which turns into cash flow.”  -Adam Lean “Imagine going to a baseball game and you don’t know what the score is. So many people run their businesses that way and they simply don’t realize how much that information can lead to better decisions” -Adam Lean Key Points:  8:48 – Hear more about Adam’s background  12:50 – At what point does a business need a CFO?  16:41 – What aspects of financials are important to consider for a successful business?  22:17 – Understanding sustainable growth rate  29:30 – What does the relationship with the CFO look like?  41:10 – Important metrics for businesses to track  45:11 – Where to start learning more about your financials  47:40 – Lightning round questions  Links Mentioned in Episode:  Scranton Associates  Rising Tide Mastermind  12 Week Year by Brian Moran  The E-Myth Revisited by Michael E. Gerber  Financial Intelligence for Entrepreneurs by Karen Berman and Joe Knight  Schedule a time to talk to Adam   The ONE Thing by Gary Keller  Bad Blood by John Carreyrou  Trusted Advisors Network  Covid-19 Webinars  Adam’s LinkedIn Profile 

In this Podcast we continue our deconstruction, decoding and deciphering of the key financial statements. Last episode we dug into the Income Statement. I hope you found that insightful. If you haven’t heard it yet no worries, check it out when we finish here! This Episode is about the STATEMENT OF CASH FLOWS. The third and final Financial Report you should be reviewing monthly. To begin, let’s make sure your accountant is providing this report to you. I have found that the CASH FLOW STATEMENT is not always included in the monthly reports, but can be added simply by requesting it. And as you will learn here, this is an important report to review! In fact, it could be the most important report, since CASH is least subject to estimates and assumptions and critical to keep your business afloat. In each of the three financial statements we have studied, there is a measure, or indicator, of business performance; In the Balance Sheet we have Owner’s Equity, or Retained Earnings. In the Income Statement we have Net Profit, And in the Statement of Cash Flow we have Operating Cash! Remember Profit is NOT Cash! Profit is a PROMISE, and contains estimates, assumptions, and adjustments, not MONEY coming in! You need Cold Hard Cash to pay yourself and your employees, buy supplies along with investing in equipment! CASH is a Reality Check! PROFIT is VANITY! So you might be saying to yourself, “Who cares anyway, who watches CASH?” Well…Only the most successful investor of all time….WARREN #BUFFETT!! Warren Buffett , along with his business partner, Charlie Munger, know all too well that the INCOME STATEMENT and BALANCE SHEET can contain all sorts of estimates, assumptions and biases that can distort their information. CASH is different. With CASH you are indirectly examining the Bank Account of the Firm. CASH is the number least affected and influenced by the Art of Finance. CASH is a reality check. PROFITS do not equal CASH! PROFITS aren’t REAL MONEY. CASH IS! EXPENSES on the INCOME STATEMENT do not reflect the CASH going out. The CASH FLOW STATEMENT, by comparison, always tracts CASH in and CASH out during a time period. Remember all that equipment you bought at the end of the year using up your Section 179 deduction because the sales rep told you it was “deductible” and would save you taxes. Those payments don’t appear anywhere on the income statement. Rather they appear, slowly overtime, month by month, as a DEPRECIATION EXPENSE on the INCOME STATEMENT. The kicker is… those ITEMS are paid for with CASH long before they have been fully depreciated! This CASH outflow appears on the CASH FLOW STATEMENT. With this in mind, remember that while CASH is KING, CASH FLOW is the QUEEN! A business can generate PROFITS without CASH, on the flip side a business can also generate CASH without PROFIT. PROFIT without CASH, is how most small businesses go out of business in their first year. It’s why new restaurants have a hard time gaining traction…they simply run out of CASH and are forced to close. Their expenses outstrip all their cash, and it’s cash that’s required to keep the doors open. Alternatively, a business generating CASH but no PROFIT is not sustainable for the long term. Eventually the lack of profits will catch up and cause a non-profitable business to run out of CASH. Alas, all is not lost. Finding the right expertise can help. A firm running out of cash needs FINANCIAL Expertise, while an unprofitable firm needs Operational Expertise to help lower expenses and/or generate additional revenue. Bottom line is…. a healthy business requires both PROFIT and CASH to maintain financial health. Let’s Dive In and Dissect and Deconstruct a STATEMENT of CASH FLOW. This Financial Report is divided into 3 categories: CASH coming IN is (+), and CASH going OUT is (-). CASH used in OPERATING ACTIVITIES: Which is all cash related to the actual operations of the business. It Includes cash from customers, cash for salaries, vendors, rent, and taxes to name a few. CASH used in INVESTING ACTIVITIES: Which is all cash related to investments made by the company, such as the purchase of capital equipment. CASH used in FINANCING ACTIVITIES: Which is all cash related to borrowing and paying back of loans, as well as the purchase or sale of stock ,or payment of dividends to shareholders. One can see there is lots of useful information here! We won’t worry about how this report is generated. We will leave those details for your accountant. We will just look at the prepared report. The FIRST CATEGORY, OPERATING ACTIVITIES Is one of the most important numbers in all of the financial statements we have examined. It indicates the Health of a Business. A company with consistently healthy operating cash flow is probably profitable, and probably doing a good job turning their profits into cash. With healthy Operating Cash flow a company can finance more of its growth internally without borrowing. The SECOND CATEGORY, INVESTING ACTIVITY Shows how much the company is spending on assets to grow the business. The THIRD CATEGORY, FINANCING ACTIVITY Shows the borrowing and paying back of loans and dividend payments to shareholders. What does all of this mean? Understanding the POWER of CASH FLOW and how to manage it can strengthen your business in several ways; First, you must understand where the money is coming from and where it is going to. A strong operating cash flow means the business is generating cash. Paying down loans and investing in assets creates negative Investing cash flows which can be very favorable to the long term growth of a business. Selling stock and raising money from shareholders generates positive Financing cash flow which may be a great sign, or it could mean the company is selling stock or taking out debt as a means to stay afloat! Second, you can directly affect your cash by closely managing your Accounts Receivables, Inventory and Expenses. Learn to study the Aging of your receivables and calculate and tract your ACCOUNTS RECEIVABLES RATIO which is your Accounts Receivables / Average monthly production. Aim to have this ratio less than one, which means your Accounts Receivables should not exceed your average monthly production. Develop systems to speed the collection of your accounts receivables and you can immediately generate additional positive cash flow. Receivables are the same as giving your customers interest free loans on their balances! The longer it takes to collect your money, the less of it you will have. You should have very few accounts that exceed 90 days! Similiarly, work to reduce the stock piling of Inventory which uses up your CASH! The quantity discounts suppliers offer may not be saving you money in the long term since holding Inventory and Supplies on your shelfs cost CASH, especially if these supplies expire! I like to remind doctors when they look at all of their inventory and supplies they should be seeing dollars and cents that could be in the bank or in their pockets rather than sitting on their shelfs! Tighten up your Expenses too. Negotiate more favorable payment terms with your Vendors. Extend out your Accounts Payable, the money You owe your Suppliers. For you, extended payment terms is just like a free loan from your vendor and who doesn’t like FREE! Evaluate carefully the strategy of prepaying months of rent expense at the end of the year. I know that many doctors are told to do this. This quickly depletes your cash reserve. Tax planning is critical here so consultation with your Tax Professional is essential, but Taxes should not “Wag the Dog!”. Go ahead and take this cash as salary, pay your individual taxes and then use this additional cash to grow your personal Balance Sheet. Finally, we spoke earlier of a key metric used by Warren Buffett. This metric is “Owner’s Earnings” or “Free Cash Flow”. It is the difference between Operating Cash flow and net Capital Expenditures. Both of these values come from the Cash Flow Statement. Operating Cash Flow is the Total from the top section of the Statement. Net Capital Expenditures can be found as a line item in the Middle Section, the Investing Section, listed as Property, Plant and Equipment. Companies with healthy Free Cash Flow have many more options to grow, expand operations, invest in equipment, pay down debt and pay dividends to shareholders. In a dental practice, those shareholders are very likely to be the doctor-owners of the practice! In Summary , our key take away points are: Cash is NOT subject to the estimates and assumptions present in the Balance Sheet and Income Statement. Profit is NOT CASH. You can’t pay bills or payroll with profits! Healthy Positive CASH FLOW is essential for the long term sustainability and liquidity of a company. CASH flow can be improved by accelerating the collection of outstanding Account Receivables, minimizing the accumulation of excess inventory and closely monitoring the timing of Expenses. So that wraps things up for this Podcast.  Hopefully you have a better understanding of the mechanics of the STATEMENT OF CASH FLOWS. We hope that this information has created a few “Ah Ha” moments, or stimulated some additional questions you can direct to your advisers or accountants.  We welcome your inquiry here too at OmniStar Financial.  Our contact information can be found at our website OmniStarfinancial.com  .  You will also find a link to sign up for our newsletter.  Please share this podcast if you found it helpful, and leave a review on iTunes too.  We welcome your feed back and suggestions for future podcast sessions.  You can always find me, your host, david darab, at my twitter handle, @ddarab. Thank you so very much for tuning in and listening.  We are very grateful for your time and attention and so very pleased to have you in our audience. REFERENCES: Financial Intelligence, Revised Edition: A Manager’s Guide to Knowing What the Numbers Really Mean: Karen Berman, Joe Knight, John Case: 8601406238220: Amazon.com: Gateway Stark Naked Numbers: Uncover Your Financials, Unlock Your Cash, and Unleash Your Profits: Mr Jason Frederick Andrew: 9780648424000: Amazon.com: Books

THE 3 PROFITS of the INCOME STATEMENT…do you know them? Yes, understanding Financial Statements is an essential business skill. In this Podcast we continue our deconstruction, decoding and deciphering of the key financial statements. Last episode we dug into the Balance Sheet. I hope you found that episode insightful. If you haven’t heard it yet no worries, check it out when we finish here! This Episode is about the INCOME STATEMENT. The Income Statement goes by many other names and aliases, Profit and Loss Statement, the P&L, Revenue Statement, Statement of Financial Performance, Earnings Statement or Statement of Earnings, Operating Statement, or Statement of Operations…geeezzzz, enough already, if one name wasn’t hard enough to remember. I’ll stick with calling it an Income Statement, but my lenders and banker’s always ask me for our P&L. Of all the financial statements this is the one you are probably most aware of and check because is contains one number everyone wants to know…. THE BOTTOM LINE or NET PROFIT. This number is the easiest to locate, because it’s at the bottom line of the Income Statement. You probably dash there when the reports arrive, eager to see how the practice did. Hopefully you don’t find a number bracketed by parentheses signifying a loss. What’s up with that? That doesn’t make any sense, how can one have negative money? You know there is money in the bank account because you just checked! You say to yourself I never understood those dagnabnett accounting reports and financial statements any way and carry on with business as usual. If there is a BOTTOM LINE, there must be a TOP LINE…correct you are! And a MIDDLE too! So let’s starting deconstructing the INCOME STATEMENT! An Income Statement contains three sections: TOP LINE: shows you your total REVENUE or SALES SIDE BAR here, when business folks talk of TOP LINE GROW, that’s secret code for sales growth, plain and simple. MIDDLE SECTION: reveals your COSTS and EXPENSES broken down by category. BOTTOM LINE: shows your NET PROFIT or LOSS; which is REVENUE - EXPENSES. It’s that simple, and as we learned in the Balance Sheet Podcast, it’s the NET PROFIT that connects the INCOME STATEMENT to the BALANCE SHEET since it is added to the RETAINED EARNINGS section of the BALANCE SHEET. An income statement is much like a report card. It is always calculated over a given time period, typically one month. Understanding this, we can better see that the income statement affects the balance sheet much like how an individual grade affects your GPA. The RETAINED EARNINGS section of the balance sheet accumulates all of the profits or losses in the business. This is a critically important point to highlight and understand for it is how the BALANCE SHEET and INCOME STATEMENT are connected. So, back to the most important feature of the INCOME Statement, the calculation of PROFIT! Your MISSION, should you choose to accept it, is to Learn what all the line items on the income statement are, and how to manage them. With this knowledge you will know how to improve and contribute to the profitability of your firm. The income statement measures how profitable your products or services are when everything is added up! Remember, the bottom line Profit number is always an estimate, since estimates and assumptions sneak into some of the line items of the income statement. Just as important is the fact that PROFITS are NOT CASH! You can’t spend PROFIT, you can only spend CASH. We will look in greater detail at CASH in the next podcast on the STATEMENT of CASH FLOWS. Overtime, in a well run and managed firm, PROFITS will turn into CASH! Let’s deconstruct our INCOME STATEMENT a little further. We will start at the top line of the income statement - REVENUE or SALES. A critical element here is when is REVENUE RECOGNIZED or RECORDED. For listeners that are using a Modified Cash Basis Accounting System, then this is easy…your REVENUE is the total Payment from all sources, typically patients and insurance and is RECOGNIZED only when payments are received! For other firms and publicly traded companies that are required to follow GAAP accounting rules, REVENUE RECOGNITION can be more challenging. Let’s keep it simple for our purposes and say that a company can record a sale, or recognize revenue, only when it delivers a product or service to a customer. This is an area where accountants have great discretion and latitude, and where estimates and distortions can sneak in. For Revenue to be recognized it must have been EARNED, either a product shipped, or service work performed. The next section of the INCOME STATEMENT, the Middle Section details all your COSTS and EXPENSES. EXPENSES are divided into 2 distinct categories: Cost of Good Sold (COGS), or Cost of Services (COS) and Operating Expenses, also referred to as Sales, General, and Administrative Expenses (S,G&A), or just G & A for General and Administrative. The COGS or COS includes all the costs directly involved in producing a product or delivering a service. Typically this includes the wages of employees making a product or delivering a service and the materials or supplies used. This distinction between COGS/COS and OPERATION EXPENSES also serves as a dividing line on the income statement. You may hear executives and managers talking about ABOVE THE LINE and BELOW THE LINE. Well, this is where the line is! ABOVE THE LINE there are only 2 items, REVENUE and COGS or COS this is the GROSS MARGIN you hear “Mr. Wonderful” asking about on Shark Tank, or Marcus Lemonis preaching about on The Profit. BELOW THE LINE, we will learn next, are OPERATING EXPENSES, INTEREST, and TAXES. Why is this distinction important? Well, the items ABOVE THE LINE tend to vary more in the short term so attract more attention from managers. So, if an EXPENSE is NOT a COGS or COS then it is an OPERATING EXPENSE and appears BELOW THE LINE. These OPERATING EXPENSES are NOT directly related to making a product or delivering a service. OPERATING EXPENSES are often referred to as OVERHEAD and includes such items as rent, utilities, telephone, internet, advertising, marketing, IT, etc. Buried in OPERATING EXPENSES is DEPRECIATION and AMORTIZATION. This is an area of great confusion so let’s take a closer look at this. The first point to remember is that DEPRECIATION is treated like an EXPENSE, so can dramatically affect the PROFIT on an INCOME STATEMENT. Plain and simple, DEPRECIATION is the “expensing” of a physical asset over its useful life. AMORTIZATION is the same as DEPRECIATION but applies to INTANGIBLE ASSETS like GOODWILL. There is considerable latitude and methods for how one can depreciate ASSETS, consultation with your ACCOUNTANT is critical here. Remember too that even for the same firm, DEPRECIATION can be calculated differently for TAX accounting vs. GAAP accounting. I won’t bore you with the details here, just appreciate that DEPRECIATION can be calculated in many different ways! DEPRECIATION is the best example of what we call a NON-CASH Expense! So, what’s up with that? This is one of the most confusing and misunderstood areas of your financial statements, but critical for you to understand. The key to unlocking this confusing concept is to remember that the CASH for the asset has already been paid out! The vehicle or piece of CAPITAL EQUIPMENT was paid for at the time it was acquired, but the total expense was not recorded in that month. Instead, the expense is divided, or allocated, over its useful life….a little at a time, month by month! That’s DEPRECIATION. Again, it is important to understand there are many ways to calculate the depreciation expense. The method chosen can have a profound impact on your PROFITS reported on the INCOME STATEMENT. KEY POINT HERE! Good financial managers will match the use of an asset, or its depreciation, with the revenue it is bringing in. If the depreciation exceeds its revenue then this asset is creating a loss, if revenue exceeds its depreciation , the asset is returning a profit, a goal we should be striving for. Next, let’s look at the 3 profits; Gross Profit, Operating Profit and Net Profit. GROSS PROFIT is REVENUE minus COGS or COS , and is a key number. It tells us about the profitability of your product or service. If profitability is not achieved here it is unlikely that your business will survive long. GROSS PROFIT must be enough to cover OPERATING EXPENSES, TAXES, FINANCING and of course NET PROFIT. So what is a healthy Gross Profit? How much is enough? This will vary considerably by industry and from one company to another even in the same industry. Having metrics and reports that allow you to follow year-to-year trends will help you identify whether your profit is heading up or headed down. If Gross Profit is decreasing one needs to ask why. Are your COGS or COS rising? Is Revenue decreasing due to lower fees, discounts, or lower insurance fee schedules? Understanding why helps managers determine where to focus their attention. OPERATING PROFIT is GROSS PROFIT minus OPERATING EXPENSES, including DEPRECIATION and AMORTIZATION. This is also know by the odd acronym EBIT (pronounced EE-Bit). This stands for EARNINGS before INTEREST and TAXES. Why are interest and taxes not included you may ask? OPERATING PROFIT is the PROFIT a firm makes from running the business. Taxes don’t contribute to how well you run your business. And interest expense depends on how the firm is financed, i.e., with debt or equity which is termed its CAPITAL STRUCTURE. EBIT is a closely watched metric since it is a good gauze of how well a firm is being managed. Another metric is EBITDA (EE-bid-dah), which is Earning before interest, Taxes, Depreciation and amortization. This is thought to be a better measure of a firm’s operating efficiency since it ignores NON-CASH Charges like depreciation and amortization altogether. We have just reviewed the bias and distortions that can be introduced calculating depreciation, so with EBITDA it is ignored. Finally we have arrived at the BOTTOM LINE, or NET PROFIT, which is what’s left over after everything is subtracted, COGS/COS, operating expense, non-cash expenses, interest, and taxes. This is the same number used to calculate EPS, earnings per share, and the PRICE/EARNINGS ratio used on WALL STREET. Finally, if the INCOME STATEMENT calculates our PROFIT, then it is logical to ask how can we MAXIMIZE OUR PROFIT? That’s a great question. My friend, Jason Andrews in his new book, STARK NAKED NUMBERS, provides us a great and quick analysis of this topic. Quick side bar here, Jason is a Chartered Accountant, who like me, is passionate about business owners extracting value from their financial statement data. You can find his book on Amazon and I will include a link in the show notes for you. I receive no royalties from this endorsement. Please check out his fresh perspective on accounting and finance. Jason identifies several financial levers which one can use to increase profitability; the SALES LEVER; either increase sales volume or increase price, and the COST LEVER; reduce DIRECT and/or INDIRECT COSTS. It is surprising the impact on profitability a 10% change in these levers has on NET PROFIT…listed from greatest impact to least impact and the % change are; Sales Lever, Increase price 10% increases net profit 53%. Direct Cost, decrease 10% increase net profit 37%. Operating Cost, decrease 10% increase net profit 26%. Sales Lever, Increase Sales 10% only increases net profit 16%. So the fastest and easiest way to increase your BOTTOM LINE is to INCREASE YOUR PRICES/FEES. Creating more business, or increasing sales, has the least effect. Let’s wrap this PodCast up with some useful take away points. Only When REVENUE from Services exceeds EXPENSES can profit be achieved. Buying gadgets, gizmos, latest and greatest equipment, a new office, the list can go on and on are all irrelevant, EXCEPT if the gadgets, gizmos, latest and greatest equipment and new office creates GREATER REVENUE, or LOWER EXPENSES. This is also called VALUE CREATION when the PRICE a customer is willing to pay is greater than the COST to make the product or deliver the service. VALUE, like PROFIT, can only be achieved when products are sold and services delivered. The #1 GOAL of any BUSINESS is to CONTINUOUSLY CREATE VALUE for their CUSTOMERS! The hardest part is the CONTINUOUS and CONSTANT need to always be CREATING VALUE! ACCELERATING DEPRECIATION, as in SECTION 179 depreciation we are all familiar with, creates a LARGE DEPRECIATION EXPENSE that reduces your PROFITS, NET INCOME and RETAINED EARNINGS. This is a TAX STRATEGY plain and simple and points out the difference between TAX ACCOUNTING and MANAGERIAL ACCOUNTING. Planning for this DEPRECIATION should be done every time capital equipment is acquired, NOT AT THE VERY END OF THE YEAR at the encouragement of highly motivated SALES PERSONAL. OVERHEAD PERCENTAGE is a metric that dentists can not stop talking about and comparing! As you see from the above discussion, there is no OVERHEAD LINE ITEM on an INCOME STATEMENT. OPERATION EXPENSES come close but what items do you include or exclude? There are as many variations in calculations as there are people calculating it. For me it is a non-precise metric that can be distorted. A better metric to monitor and tract overtime is GROSS PROFIT and OPERATING EXPENSES as a PERCENT OF GROSS PROFIT. Whatever metric for overhead you choose, it becomes more powerful when tracked and compared overtime. PROFITS are not CASH. A profitable firm can run out of cash and a cash rich firm can non-profitable. So that wraps things up for this Podcast.  Hopefully you have a better understanding of the mechanics of the INCOME STATEMENT. We hope that this information has created a few “Ah Ha” moments, or stimulated some additional questions you can direct to your advisers or accountants.  We welcome your inquiry here too at OmniStar Financial.  Our contact information can be found at our website OmniStarfinancial.com  .  You will also find a link to sign up for our newsletter.  Please share this podcast if you found it helpful, and leave a review on iTunes too.  We welcome your feed back and suggestions for future podcast sessions.  You can always find me, your host, david darab, at my twitter handle, @ddarab. Thank you so very much for tuning in and listening.  We are very grateful for your time and attention and so very pleased to have you in our audience. REFERENCES: Financial Intelligence, Revised Edition: A Manager’s Guide to Knowing What the Numbers Really Mean: Karen Berman, Joe Knight, John Case: 8601406238220: Amazon.com: Gateway Stark Naked Numbers: Uncover Your Financials, Unlock Your Cash, and Unleash Your Profits: Mr Jason Frederick Andrew: 9780648424000: Amazon.com: Books

Jill Schlesinger: Jill on Money Jill Schlesinger is the Emmy-nominated Business Analyst for CBS News, the host of the Jill on Money podcast and of the nationally syndicated radio show, Jill on Money, which won the 2018 Gracie Award for Best National Talk Show. She has been recognized as a Top 10 LinkedIn Influencer and a Top 10 LinkedIn Voice. She’s the author of The Dumb Things Smart People Do with Their Money: Thirteen Ways to Right Your Financial Wrongs*. Key Points Not all financial professionals are looking out for you. Make sure they are held to the fiduciary standard at all times. Before seeing a financial professional, make sure you’ve already paid off consumer debt, you’ve built an emergency reserve fund, and you’re maximizing your retirement fund contributions. Prioritize your own retirement savings before setting aside money for your children’s tuition. Make sure the cost of a degree is worth the expected income. Resources Mentioned The Dumb Things Smart People Do with Their Money: Thirteen Ways to Right Your Financial Wrongs* by Jill Schlesinger Mark Kantrowitz Jill On Money Book Notes Download my highlights from The Dumb Things Smart People Do with Their Money in PDF format (free membership required). Related Episodes Improve Your Financial Intelligence, with Joe Knight (episode 244) How to Manage Your Money, with Jill Schlesinger (episode 322) How to Approach Corporate Budgeting, with Jody Wodrich (episode 355) Four Rules to Get Control of Your Money, with Jesse Mecham (episode 356) Discover More Activate your free membership for full access to the entire library of interviews since 2011, searchable by topic.

Jill Schlesinger: Jill on Money Jill Schlesinger is the Emmy-nominated Business Analyst for CBS News, the host of the Jill on Money podcast and of the nationally syndicated radio show, Jill on Money, which won the 2018 Gracie Award for Best National Talk Show. She has been recognized as a Top 10 LinkedIn Influencer and a Top 10 LinkedIn Voice. She’s the author of The Dumb Things Smart People Do with Their Money: Thirteen Ways to Right Your Financial Wrongs*. Key Points Not all financial professionals are looking out for you. Make sure they are held to the fiduciary standard at all times. Before seeing a financial professional, make sure you’ve already paid off consumer debt, you’ve built an emergency reserve fund, and you’re maximizing your retirement fund contributions. Prioritize your own retirement savings before setting aside money for your children’s tuition. Make sure the cost of a degree is worth the expected income. Resources Mentioned The Dumb Things Smart People Do with Their Money: Thirteen Ways to Right Your Financial Wrongs* by Jill Schlesinger Mark Kantrowitz Jill on Money Book Notes Download my highlights from The Dumb Things Smart People Do with Their Money in PDF format (free membership required). Related Episodes Improve Your Financial Intelligence, with Joe Knight (episode 244) How to Manage Your Money, with Jill Schlesinger (episode 322) How to Approach Corporate Budgeting, with Jody Wodrich (episode 355) Four Rules to Get Control of Your Money, with Jesse Mecham (episode 356) Discover More Activate your free membership for full access to the entire library of interviews since 2011, searchable by topic.

Today I will be reviewing 'Financial Intelligence' by Karen Berman and Joe Knight. Being financially literate is rare in our world. We are taught many things in school, but only accountants and finance experts know this information in the business world. This book aims to solve that problem. It focusses on explaining critical financial concepts such as the purpose of the profit and loss sheet, balance sheet and cash flow, as well as their relationship to one another. The topics are not too tough as the authors do not go into a lot of depth, but for a beginner, it may take some time to understand. Nevertheless, it will be useful for anyone wanting to understand the financials of the business they work for and if they are looking to create their own business. I can't see this as a book for readers to casually pick and read as it has a purpose behind it. If you want to increase your financial knowledge, you should read this book. --- Send in a voice message: https://anchor.fm/oneminutebookreview/message

While attending the 2018 Fanboy Expo, Jp joined Peter Cullen for a chat in a hotel bar.  Peter talks about where he drew the inspiration from that gave a voice to Optimus Prime. He also discusses movie heroes, the fans and SCIENCE!  Tweet: @adamandjp Email: ajp@admandjp.com www.patreon.com/podcasserole

Jody Wodrich: Corporate Budgeting Jody Wodrich is an executive leader in Southern California and has served his organization for over 20 years. On this episode, he shares some of the key leadership skills and considerations when creating an organizational budget. Key Points When budgeting, think about the big picture. Start off simple with the fixed and flexible expenses. Money is the foundation behind what you do, but people are the ones implementing them. Think about the people when making budgets. If you don’t budget your money, it will just seem to evaporate and you’ll have no idea where it went. Don’t just examine your budget once a year. Think about how closely you’re watching your money. Related Episodes Improve Your Financial Intelligence, with Joe Knight (episode 244) How to Benefit From Conflict, with Susan Gerke (episode 263) Negotiation Tactics for Results, with Kwame Christian (episode 311) Discover More Activate your free membership for full access to the entire library of interviews since 2011, searchable by topic.

Jody Wodrich: Corporate Budgeting Jody Wodrich is an executive leader in Southern California and has served his organization for over 20 years. On this episode, he shares some of the key leadership skills and considerations when creating an organizational budget. Key Points When budgeting, think about the big picture. Start off simple with the fixed and flexible expenses. Money is the foundation behind what you do, but people are the ones implementing them. Think about the people when making budgets. If you don’t budget your money, it will just seem to evaporate and you’ll have no idea where it went. Don’t just examine your budget once a year. Think about how closely you’re watching your money. Related Episodes Improve Your Financial Intelligence, with Joe Knight (episode 244) How to Benefit From Conflict, with Susan Gerke (episode 263) Negotiation Tactics for Results, with Kwame Christian (episode 311) Discover More Activate your free membership for full access to the entire library of interviews since 2011, searchable by topic.

Dealing with finances can be tough for most individuals and especially so for business owners. What if you could demystify the numbers and really understand how finance works? In this episode, Joe Knight explains what you need to know about finance and financials to run a successful company.

Joe is a Harvard business best-selling Author and Founder of Setpoint Systems and the Business Literacy Institute. He provides venture capital seed money and enjoys mentoring startups. Top 3 Value Bombs: 1. The reason every person starts a business is for the money. 2. Your dreams will never be realized if your business is not profitable. 3. Always look at your cash flow to evaluate how well you’re doing. Visit Joe’s website - Business-Literacy Sponsors: School of Rock: A children’s services franchise where you'll get to pass the torch of musicality to a new generation of musicians AND operate a profitable business at the same time! To learn more visit Franchising.SchoolOfRock.com, contact the School of Rock team, and tell them Entrepreneurs on Fire sent you! LinkedIn Learning: Offers thousands of expert-led courses covering a wide range of business, tech, and creative skills, with dozens of new tutorials added each week! Right now LinkedIn Learning is offering our listeners a free 30-day trial! Just visit LinkedIn.com/fire to sign up and try it free for 30 days!

Pete Mockaitis: How to Be Awesome at Your Job Pete Mockaitis is the host of the How to be Awesome at Your Job podcast, regularly listed as a top careers show on Apple podcasts. Key Points Your sense of ownership in your work can have huge consequences in how well things unfold. Self-efficacy has a large effect on your sense of ownership in your work. Try to connect the job someone is doing with the overall mission of the organization. The effects of micromanaging can be disastrous for an organization. When delegating a job, think about the critical components of the job and what you want the result to be, then let employees get the job done however they see fit. Delegation doesn’t have to be an all-in-one-shot type of thing, it can be done in stages. Steps to delegating: Watch me do this Help me do this Let’s do this together I’ll help you do this I’ll watch you do this. Resources Mentioned Albert Bandura The 80/20 Principle* by Richard Koch Essentialism* by Greg McKeown The ONE Thing* Gary Keller Jay Papasan Arthur Woods podcast episode Jeff McManus podcast episode Financial Intelligence* by Joe Knight Improve Your Financial Intelligence with Joe Knight (episode 244) Episodes from the How to be Awesome at Your Job podcast that may be of value to your team: Increasing Confidence by Increasing Self-Awareness with Dr. Tasha Eurich Making Stress Work for You with Dr. Melanie Greenberg Overcoming Self-limiting Beliefs with R. Michael Anderson Honing Your Persuasive Skills with Kwame Christian Communicating with Inspiration and Clarity with Mawi Asgedom Related Episodes The Seven Steps You Follow To Delegate Work (episode 117) The Four Stories Leaders Need For Influence, with David Hutchens (episode 148) How to Challenge Directly and Care Personally, with Kim Scott (episode 302) Discover More Activate your free membership for full access to the entire library of interviews since 2011, searchable by topic.

Pete Mockaitis: How to Be Awesome at Your Job Pete Mockaitis is the host of the How to be Awesome at Your Job podcast, regularly listed as a top careers show on Apple podcasts. Key Points Your sense of ownership in your work can have huge consequences in how well things unfold. Self-efficacy has a large effect on your sense of ownership in your work. Try to connect the job someone is doing with the overall mission of the organization. The effects of micromanaging can be disastrous for an organization. When delegating a job, think about the critical components of the job and what you want the result to be, then let employees get the job done however they see fit. Delegation doesn’t have to be an all-in-one-shot type of thing, it can be done in stages. Steps to delegating: Watch me do this Help me do this Let’s do this together I’ll help you do this I’ll watch you do this. Resources Mentioned Albert Bandura The 80/20 Principle* by Richard Koch Essentialism* by Greg McKeown The ONE Thing* Gary Keller Jay Papasan Arthur Woods podcast episode Jeff McManus podcast episode Financial Intelligence* by Joe Knight Improve Your Financial Intelligence with Joe Knight (episode 244) Episodes from the How to be Awesome at Your Job podcast that may be of value to your team: Increasing Confidence by Increasing Self-Awareness with Dr. Tasha Eurich Making Stress Work for You with Dr. Melanie Greenberg Overcoming Self-limiting Beliefs with R. Michael Anderson Honing Your Persuasive Skills with Kwame Christian Communicating with Inspiration and Clarity with Mawi Asgedom Related Episodes The Seven Steps You Follow To Delegate Work (episode 117) The Four Stories Leaders Need For Influence, with David Hutchens (episode 148) How to Challenge Directly and Care Personally, with Kim Scott (episode 302) Discover More Activate your free membership for full access to the entire library of interviews since 2011, searchable by topic.

Joe Knight is the President & CEO of InnAVasc Medical, Inc., a medical device company founded by Duke University surgeons and scientists, which designs and develops products for vascular access for hemodialysis. He holds an MBA from Duke’s Fuqua School of Business, where he also a Professor, as well as a PhD in Biomedical Engineering from the Swiss Federal Institute of Technology in Zurich. Dr. Knight was previously in various roles at Medtronic as well as serving as Founder and CEO of Medici Medical Technologies. He is also an inventor of the initial patents of iRhythm Technology. In our conversation, we discuss life in the army and at business school, his work at InnAVasc, and Duke's significance in our lives.

Joe Knight joins Phil to discuss autism awareness week

Dave Pezza introduces #NovelClass, a new Writer’s Bone segment that features an in-depth discussion about a novel chosen by Writer’s Bone’s social media followers. The first installment features Kevin Morris’ All Joe Knight, which was published December 2016 by Grove Press. (Be warned, this discussion contains spoilers.)

Daniel Ford and Dave Pezza introduce #NovelClass, a new “Friday Morning Coffee” segment that features an in-depth discussion about a novel chosen by Writer’s Bone’s social media followers. The first installment features Kevin Morris’ All Joe Knight, which was published December 2016 by Grove Press. (Be warned, this discussion contains spoilers.)

Getting to know Willie Taggart with Joe Knight of The Tampa Bay Times by The Register-Guard See omnystudio.com/listener for privacy information.

Joe Knight: Financial Intelligence www.business-literacy.com Joe teaches us how to improve our own financial intelligence, so we can influence within organizations more effectively. He is a highly regarded finance and business literacy keynote speaker, trainer, and published author. Quotes Those who understand [financial statements] are the vast minority of people who are moving up in the corporate environment. —Joe Knight One of the problems with fraud is that you have these companies reporting profit, but it wasn’t real profit, and it was never converting to real cash. —Joe Knight Wall street, other investors, and banks have shifted to looking at cashflow as a concrete, tangible number. —Joe Knight It’s important never to lose sight of the fact that cash flow almost eliminates the possibility of fraudulent financial reporting. —Joe Knight We’re not trying to create high-level financial people; we’re trying to decode [financial statements] for the rest of us. —Joe Knight Links mentioned: The 100 Best Business Books of All Time HBR ROI Toolkit HBR EBITDA Tookit HBR Business Valuation Toolkit (still being built by Harvard, should be published next month) Resources for Business Literacy Institute: Online Financial Intelligence Training Financial Concepts Dictionary Take the Financial Intelligence Assessment Feedback Comments, questions, or feedback for future Q&A shows: http://coachingforleaders.com/feedback The next Q&A show is episode 248 If you're not already subscribed to this show, please do so and you’ll get new episodes every Monday. Just search for Coaching for Leaders on iTunes, Stitcher, or any podcast app you use and subscribe there. Please join my weekly leadership guide. The leadership guide is delivered to your inbox each Wednesday and includes my thoughts and recommendations on the best articles, podcasts, videos, and books to support your development between shows. It also includes a brief overview and link to the full weekly show notes. If you, like me, tend to listen to podcasts while you’re on the road or exercising, this will give you an easy way to follow up later on the links and resources we mention in every show. As a bonus, when you join the weekly leadership guide, you’ll get immediate access to my readers’ guide listing the 10 leadership books that will help you get better results from others, with brief summaries from me on the value of each book. Download the 11-page readers’ guide and 9-minute video of these book recommendations … plus, insight on the 2 books that I rely on weekly! http://coachingforleaders.com/subscribe Thank You If you would like to post a review on iTunes, it's a huge help in the growth of the Coaching for Leaders community. If you use iTunes, just visit http://coachingforleaders.com/itunes – and thank you in advance for your support!

Joe Knight: Financial Intelligence www.business-literacy.com Joe teaches us how to improve our own financial intelligence, so we can influence within organizations more effectively. He is a highly regarded finance and business literacy keynote speaker, trainer, and published author. Quotes Those who understand [financial statements] are the vast minority of people who are moving up in the corporate environment. —Joe Knight One of the problems with fraud is that you have these companies reporting profit, but it wasn’t real profit, and it was never converting to real cash. —Joe Knight Wall street, other investors, and banks have shifted to looking at cashflow as a concrete, tangible number. —Joe Knight It’s important never to lose sight of the fact that cash flow almost eliminates the possibility of fraudulent financial reporting. —Joe Knight We’re not trying to create high-level financial people; we’re trying to decode [financial statements] for the rest of us. —Joe Knight Links mentioned: The 100 Best Business Books of All Time HBR ROI Toolkit HBR EBITDA Tookit HBR Business Valuation Toolkit (still being built by Harvard, should be published next month) Resources for Business Literacy Institute: Online Financial Intelligence Training Financial Concepts Dictionary Take the Financial Intelligence Assessment Feedback Comments, questions, or feedback for future Q&A shows: http://coachingforleaders.com/feedback The next Q&A show is episode 248 If you're not already subscribed to this show, please do so and you’ll get new episodes every Monday. Just search for Coaching for Leaders on iTunes, Stitcher, or any podcast app you use and subscribe there. Please join my weekly leadership guide. The leadership guide is delivered to your inbox each Wednesday and includes my thoughts and recommendations on the best articles, podcasts, videos, and books to support your development between shows. It also includes a brief overview and link to the full weekly show notes. If you, like me, tend to listen to podcasts while you’re on the road or exercising, this will give you an easy way to follow up later on the links and resources we mention in every show. As a bonus, when you join the weekly leadership guide, you’ll get immediate access to my readers’ guide listing the 10 leadership books that will help you get better results from others, with brief summaries from me on the value of each book. Download the 11-page readers’ guide and 9-minute video of these book recommendations … plus, insight on the 2 books that I rely on weekly! http://coachingforleaders.com/subscribe Thank You If you would like to post a review on iTunes, it's a huge help in the growth of the Coaching for Leaders community. If you use iTunes, just visit http://coachingforleaders.com/itunes – and thank you in advance for your support!

Trombonist Matthew Gee is our Jazz Feature artist and the third in this month's presentation of great and near-great Jazz players who operated under the radar. In Matthew's case it was because he only recorded two albums under his name and the other one was a co-leadership with tenor saxophonist Johnny Griffin. Tonight's Feature is all Matthew and it's his first. It was recorded for the then new Riverside label in 1956 and it remains a rare item. It is in two sessions with two different bands. Trombonist Gee had a long career in Jazz and played with Sonny Stitt and Gene Ammons. Illinois Jacquet and Lou Donaldson plus tenures with the big bands of Dizzy Gillespie, Count Basie and Duke Ellington. The first session contains three Gee originals with an all-star group with Kenny Dorham on trumpet, Frank Foster on tenor saxophone and Cecil Payne on baritone and Mr. Gee on trombone and Joe Knight on piano, John Simmons on bass and Arthur Taylor on drums. The second session is looser and is mostly standard tunes with Mr. Gee leading Ernie Henry on alto saxophone, Joe Knight on piano, the great Wilbur Ware on bass and again Arthur Taylor on drums. No nonsense Jazz is this. "Jazz By Gee!"

Joe is the Co author of two incredible business books, Financial Intelligence and Project Management for Profit, both of which were published by Harvard Business School Press.

It's no secret. Financial intelligence in ecommerce is a prerequisite for success. The question, though, is are you a pro or an amateur? And how do you know? This is an episode for both the seasoned pro and the amateur. Joe Knight, Founder and Senior Consultant with the Business Literacy Institute, is a highly regarded finance and business literacy keynote speaker and trainer. He trains managers and leaders at Fortune 500 companies such as GE, Comcast-NBCUniversal, Boeing, CVS Caremark, American Express, and United Technologies Corporation (UTC). Joe’s unique ability to combine content with energy and humor make his keynote addresses resounding successes with diverse audiences including the Society for Human Resource Management (SHRM), Construction Industry Institute (CII); National Association of Broadcasters (NAB); The Association of General Contractors; and International Institute for Supply Management (ISM). Joe is co-author of Financial Intelligence, a smart, no-nonsense business finance handbook for managers. The book has been heralded as “the Elements of Style” of finance by CFO.com. Financial Intelligence was featured in The 100 Best Business Books of All Time. The Business Literacy Institute is dedicated to transforming all employees into business people. In today’s business environment, all employees must do more than just their job; they must actively contribute to the financial success of the company. That means everyone must understand how businesses measure success and how they themselves make an impact.   Topics Discussed: Why business business and finance pros focus on the balance sheet and amateurs focus on the income statement. Why the best solution for a growing business is slowing down. The differences between finance and accounting and why that matters to your company's future. The dirty secret that financial professionals don't want you to know. The 5 key ratios you need to check daily, weekly, and monthly to determine if your company is healthy, or if you need to jump ship.   Resources: Financial Intelligence - Joe's Best Selling Book Business Literacy Institute   Subscribe & Review To get more awesome Ecommerce Influence content sent directly to your device and into your ears as they become available, you can easily subscribe by clicking on either one of the subscribe by clicking here. Also, ratings and reviews on iTunes (hopefully 5-stars!) help us tremendously a we’re very grateful for them. We do read all of the reviews and we’ll answer your questions or comments on future episodes. Cheers, Austin & Chad!   Follow on Twitter: Follow @chadvanags Follow @a_brawn

Bank fraud, music fraud, and relationship fraud.   This week the Hungry Cliff team talks about an addition to the Hungry Cliff family and attempts to figure out who Pedro really is. We also loudly disagree on the specific definition of musical theft. Learn the identities of the first Hungry Cliff contest winners and find out why we call something "the apple of our eye". We speak with special guest and ex-con Joe Knight to learn how to pull off the ultimate Valentine's Day... alone. And also many more cheerful things.   Websites: Film Tracks   Music: Maria Schneider John Williams Peter Maxwell Davies Elliott Carter Hans Zimmer Samuragochi Mamoru Niigaki Takashi Alan Silvestri   Board games: The Resistance   Don't forget you can support Hungry Cliff by going to our Shop at the top of our page or by using our Amazon and iTunes Search Boxes at the top-right of our blog. Also, Like us on Facebook, follow us on Twitter and subscribe to the podcast in iTunes so you don’t miss a thing! And if you want to help us out some more, please review us on iTunes 'cause every little bit counts.   Hosts: Tony Silanskas, Andrew Silanskas, Matthew Biggers Guests: David Houston, Pedro Mendoza, Stephanie Lancaster, Joe Knight   Intro and outro music: Pedro Mendoza   Email us: tony (at) hungrycliff (dot) com, andrew (at) hungrycliff (dot) com or matthew (at) hungrycliff (dot) com

Joe is the Co-author of two incredible business books: Financial Intelligence and Project Management for Profit, both of which were published by Harvard Business School Press.