6 Troublemaking Clients Chiropractors and Lawyers Should Refuse to Take

Chiropractors and personal injury lawyers who have recently started their own practice are often tempted to accept just about anyone who has been in an auto accident, but “This can be a monumental mistake,” warns California attorney Shawn Steel.

Steel’s practice concentrates on personal injury law and strongly supports the chiropractic profession. He lectures at Palmer West Chiropractic, Life Chiropractic College West and Southern California University of Health Sciences.

“If there is one professional area where attorneys and chiropractors should be on the same page, it is in recognizing when to say, “Thanks for coming to see me, but I don’t think that my office will be able to help you.” He provided this list of red flags that must be recognized and immediately acted upon.

1. The Know-It-All

These people know more than the doctor and the lawyer combined. They constantly second guess the doctor and argue with their lawyer, consuming a tremendous amount of time and energy. 

It is usually better for your mental health to let that know-it-all patient go! This person brings nothing but aggravation to the lawyer’s office, often saying things like, “I had a friend who with the same facts as my case settled for eight times as much as you want me to take, so what’s wrong with you?”

2. The Grouch (a First Cousin of the Know-It-All)

The Grouch is easy to spot. Your staff members are the first ones to notice that you’ve got a Grouch in your office. Always listen to your staff as they will tell you the truth.

The Grouch complains about everything! They blame the staff for not setting their appointment as the best time, not giving them adequate advance notice, and make up stuff to gripe about. They take the joy out of practice for both doctors and lawyers.

They are miserable human beings. While it is best to unload this Grouch, you can try to rescue the situation by saying, “If you want to stay with us, you need to stop complaining.”

3. The Split Personality (a Cousin of the Grouch, a Real-Life Version of Dr. Jekyll and Mr. Hyde)

This person is miserable to your staff: insulting and yelling. However, they are as sweet as cotton candy to you. Give them one warning: “Yell at my staff one more time, and you are out of here! No one deserves to be spoken to that way.”

Doctors and lawyers need to understand there is a great liberation when you let that person go. Mentally, you are free from a burning, destructive sensation in your life.  Neither you nor your staff should have to experience this.

4. The Doctor/Lawyer Hopper

These people immediately trash the last lawyer/doctor who was handling their case. If it is just one attorney, or one doctor, that can happen. But if it is multiple doctors or lawyers? You must think, “This person will never be happy with me, no matter what I do. So why go through the effort, as I will no doubt get fired anyway.” Decline to accept them.

5. This Person Gives Me a Bad Feeling!

 If there is something inherently negative between you and this potential patient/client, do not accept them. You do not need a reason. It may not be rational, but trust your inner voice. “Trust the Force!”

6. Beware of the Wandering Thief

This person’s goal in life is to take advantage of anyone whose path they cross. They intend to cheat you before even walking through your door. They may have a legitimate accident case. They may be hurt. But their sole objective is a payout in their pockets and not yours!

After care is complete:

(A) The Wandering Thief fires the lawyer.

(B) Negotiates the case themselves with the insurance adjuster.

(C) Gets all the money, pays none of the treatment bills or attorney fees. Then they vanish.

The giveaway for the lawyer is that, after signing the retainer agreement, the client will pressure the lawyer to have the doctor order lots of medical testing, to generate high bills.

Once a settlement amount it negotiated – but not paid – they will be unhappy with the numbers, fire the lawyer and try to settle the case themselves.  Even if the attorney’s name is on the settlement check, they may forge the lawyer’s name, take the money and disappear.

A Business Prof Offers His Formula

Lyle Sussman, the former chairman and professor of management, College of Business, University of Louisville, offered this recommendation for anyone in business who needs to say “No.”

“Say no if there is a disconnect — differing expectations — between what the person thinks you will provide and what you know you can deliver.

“Every plastic surgeon can tell a story about a patient disappointed because the procedure did not produce the gorgeous effect they anticipated.”

Attorney at Law, Author of “You and the Law”

After attending Loyola University School of Law, H. Dennis Beaver joined California’s Kern County District Attorney’s Office, where he established a Consumer Fraud section. He is in the general practice of law and writes a syndicated newspaper column, “You and the Law.” Through his column he offers readers in need of down-to-earth advice his help free of charge. “I know it sounds corny, but I just love to be able to use my education and experience to help, simply to help. When a reader contacts me, it is a gift.” 

Source: kiplinger.com

COVID-19-Weary Business Owners Can Win by Adopting the Right Mindset for a Sale

Faced with the demand to invest in upgrades needed to sell electric cars, a group of Cadillac dealers recently decided the economic uncertainty outweighed the likely future benefits. About 150 of GM’s 880 U.S. Cadillac dealerships instead took the company’s offer of a buyout of their franchises for the luxury brand.

It’s a decision that many small-business owners can relate to right now.

After a decade of relatively good times, the past year has been a rough financial and emotional ride for owners of thousands of privately owned businesses across a whole range of industries. Roughly one in five small businesses had closed as of last October, and many more are limping along with revenues at a fraction of their pre-pandemic levels.

Why a Sale May Make Sense Right About Now

Many owners have been in survival mode for a year now, taking as much support as possible from government aid programs while scrambling to adapt their staffing and business model to the pandemic world. But as the smoke clears and the longer-term outlook becomes clearer, the option of selling the business and moving on is likely to be the most attractive and viable option for many owners.

That decision may partly stem from life-stage or health reasons. One in three U.S. small-business owners are over 65, and may understandably feel like they don’t have the time or energy to put into the post-COVID-19 recovery.

Some, like those Cadillac dealers, may be unwilling or ill-equipped to adapt to the wave of technological advances and shifting consumer behavior that have been accelerated by the pandemic and which are transforming industries across the board.

Anyone in the movie theater business should be worried not only about the plunge in revenues due to pandemic restrictions but about a more permanent shift by movie studios and consumers to online video platforms. Small brick-and-mortar retailers face an even bigger struggle to survive as the Amazon juggernaut has picked up pace during the pandemic.

While some small businesses will be able to ride out the crisis by adapting to these trends, many others run the risk of turning into zombie companies and facing bankruptcy. Unlike big public companies, their reliance on small groups of investors and bank lending usually doesn’t give them the luxury of capital to reinvent themselves.

Personal Hurdles Can Stand in the Way

A sale often makes the most sense, yet owners commonly struggle to adopt the right mindset to make that decision and follow through with it in a way that maximizes the return. Owners often have a lot of emotion and family identity tied up their business, making it hard to let go. If the business has been in a family for generations, it can be tough for an owner to accept the loss of control on his watch.

Emotion also tends to be a major obstacle when it comes to pricing a sale. Owners will often find it hard to accept a price that they don’t feel takes into account how well revenues were doing a year or two ago or how much family sweat equity has gone into the business over the years.

When this happens, it’s important for owners to take off their family hat and be as dispassionate as possible. The reality is that they can either sell at a time when they have some leverage or risk getting to the point where the terms are being imposed on them in the face of bankruptcy.

A Couple of Points in Sellers’ Favor

Rather than seeing the glass as half empty, there are grounds for seeing it as half full. The good news is that this isn’t 2008. There is plenty of capital out there looking for deals, which can put owners in a strong position if they approach the sale with the right mindset.

Consumer demand remains strong in many areas, and private equity firms are sitting on “a ton of dry powder” worth of capital they are keen to deploy in 2021. PE buyers are generally looking for businesses that they can scale up, make accretive relative to EBITDA and penetrate new markets.

To Get the Best Price, What Sellers Should Think About

Owners have options to appeal to what PE buyers want and walk away with the best deal possible.

  • One way of doing that is to clean house before looking for a sale, picking the low-hanging fruit that will create some of the efficiencies that a buyer would implement anyway. That might involve replacing underperforming staff or closing unprofitable locations.  The subsequent improvement in profitability can be annualized and result in a higher multiple for the sale.
  • Or an owner could command a higher price by committing to help implement the buyer’s goals post-sale, perhaps by leveraging his or her extensive customer contacts or following through on a plan for costs cuts.

By putting themselves in the buyer’s shoes like this and letting go of their emotional baggage, owners can better leverage the value of their business and make the best of what may be a difficult situation.

Partner, Plante Moran

As the leader of the restructuring practice at Plante Moran, Tim Weed helps clients navigate changes in their businesses to improve operations and return to profitability. With expertise in cash flow projections, financial restructuring, profit improvement services, and more, clients look to him for guidance when facing difficult choices.

Source: kiplinger.com

659: The Rise of Renter Nation: How to Succeed as Homeownership Declines with Vinney Chopra

Homeownership is falling fast, but that doesn’t mean that your real estate profits have to. Today’s guest, Vinney Chopra, believes that the decline in homeownership is creating opportunities for real estate agents, not taking them away. Listen and learn strategies for leveraging the popularity of rental properties for steady streams of passive income. If you’re interested in investing in multifamily properties, you won’t want to miss this podcast!

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Learn more about your ad choices. Visit megaphone.fm/adchoices


I Feel Stupid Wanting To Start a Business at My Age (Hour 2)

Debt, Business, Retirement, Savings, Relationships

As heard on this episode:

  • Christian Healthcare Ministries: https://bit.ly/2XBZfE3 

Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 

Tools to get you started: 

  • Debt Calculator: https://bit.ly/2QIoSPV
  • Insurance Coverage Checkup: https://bit.ly/2BrqEuo
  • Complete Guide to Budgeting: https://bit.ly/2QEyonc

Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR

Source: daveramsey.ramsey.libsynpro.com

926: From Living Off Savings to Millions in Annual Sales: Adedoyin & Amanda Adedapo

Down to their last bit of savings, Adedoyin and Amanda Adedapo almost had to give up on real estate. But instead of doing that, they gave it their all. Now, this real estate power couple is selling over $18 million in volume annually. On today’s podcast, Adedoyin and Amanda share the struggles they faced with their first few deals and the moves that made their business a major success. Listen in for a healthy dose of inspiration and several strategies you can implement to scale your real estate sales.

Listen to today’s show and learn:

  • Adedoyin & Amanda’s sales figures for 2019 [4:22]
  • Advice on targeting first responders [8:58]
  • Partnering with Disney as a Realtor [12:09]
  • How squatters almost ruined Adedoyin’s first deal [20:16]
  • Amanda’s first real estate client: her mom [36:02]
  • Advice on taking action [41:24]
  • Lessons learned through quarantine [46:51]
  • Advice on running a real estate business with your spouse [51:33]
  • How to break through your goals.
  • Plus so much more.

Adedoyin and Amanda Adedapo

The DAPO Group of Keller Williams Preferred Properties is the husband – wife team of Adedoyin (AD) and Amanda Adedapo, licensed real estate professionals in the DC, MD, and VA metropolitan areas. They leverage their expertise in digital marketing, photography, design and community marketing to effectively market properties across the region.

AD and Amanda work to provide home ownership opportunities that help sustain the vitality of their communities. Skill, tenacity, and collaboration are what drive the DAPO Group. The professional balance and cohesion AD and Amanda possess both in business and life are instantly visible, complementing one another to provide exceptional service.

Related Links and Resources:

Thanks for Rocking Out

Thank you for tuning in to Pat Hiban Interviews Real Estate Rockstars, we appreciate you! To get more Rockstar content sent directly to your device as it becomes available, subscribe on iTunes or Stitcher! Reviews on iTunes are extremely helpful and appreciated! We read each and every one of them, please feel free to leave your email so that we can personally reach out and say thanks! Have any questions? Tweet me, Facebook me and ask Pat anything. Don’t forget to head on over to Bare Naked Agent for Pat’s answers, and advice. Thank you Rockstar Nation, and keep rockin!

Source: hibandigital.com

How Do I Get Over My Fear of Being Used Financially? (Hour 2)

Debt, Relationships, Career, Investing, Savings, Business

As heard on this episode:

  • Zip Recruiter: https://bit.ly/2JenOB7 

Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 

Tools to get you started: 

  • Debt Calculator: https://bit.ly/2QIoSPV
  • Insurance Coverage Checkup: https://bit.ly/2BrqEuo
  • Complete Guide to Budgeting: https://bit.ly/2QEyonc

Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR

Source: daveramsey.ramsey.libsynpro.com

How to Create or Claim Your Small-Business Listing on Manta

Manta.com is one of the most popular local business information websites in the United States. According to its own data, Manta draws about 11 million unique visitors per month and boasts more than 5 million small, mostly local businesses in its database — a significant fraction of all U.S.-based small businesses with physical storefronts.

Does this site’s popularity mean you, a small-business owner eager to reach more potential customers in your hometown (and perhaps beyond) should invest the time and effort necessary to create, optimize, and maintain a Manta listing?

Perhaps. It depends on what type of business you operate, how much effort you can devote to your listing, and whether business directory websites like Manta truly complement your marketing efforts — or whether you’d do just fine without them.

Pros & Cons of Creating a Listing on Manta.com

Does it make sense to create a small-business listing on Manta.com? This is the first question you need to ask before putting in the effort to create your Manta listing.

The truth is, Manta works better for certain types of businesses. Its most popular searches relate to customer-facing service businesses, such as retailers, restaurants, bars, entertainment venues, and others:

  • Automotive businesses
  • Hotels and travel services
  • Beauty shops and spas
  • Cleaning services
  • Plumbing, electrical, and other trade services
  • General contracting services
  • Health and medical

Like many other business information directory sites, Manta sorts listed companies geographically, down to the municipality or neighborhood level. This is vital for location-bound businesses, such as restaurants and brick-and-mortar retailers, that cater mostly or exclusively to local customers.

Manta is less useful, although not entirely useless, for companies that don’t rely on physical locations or local marketing to drive sales. E-commerce businesses that sell through platforms like Shopify or Etsy and rely more on word of mouth and social media marketing aren’t guaranteed to find Manta and its ilk valuable.

Pros of Listing Your Business on Manta

Why create a business profile on Manta? Advantages include the inherent legitimacy of a claimed business listing, SEO benefits, and the importance of sites like Manta in customers’ research process.

1. Claiming Your Listing Makes Your Business Seem More Legitimate

Manta’s “Claim This Listing” button makes clear which of its listings are “claimed” — acknowledged and maintained by the featured business — and which are not.

The simple act of claiming your business, therefore, confers substantial legitimacy upon it, if only because doing so shows Manta-using consumers that you care enough about your establishment to take two minutes to make its listing your own. Rightly or wrongly, consumers might take an unclaimed listing as a sign you aren’t really interested in attracting new customers.

I’m guilty of this myself. All else being equal, I try to avoid businesses with unclaimed online directory listings unless I know of them by other means — such as word of mouth — or they’re part of a recognizable business franchise that I trust.

2. Manta Listings Are Good for SEO

Popular search engines’ ranking algorithms have a “black box” quality to them — no one knows exactly how they work except the people responsible for them — and maybe not even they do. Still, conduct 10 Google searches for 10 of your favorite local businesses and you’re liable to deduce that business directory sites like Manta rank well in organic search results — the list of results you see below the paid search ads on search engines like Google or Bing.

Moreover, Manta’s featured product or service pages often rank separately from the main directory pages. This means that your Manta listing could end up being responsible for several discrete search results, depending on how many featured products or service pages it appears on.

The bottom line is this: Unless your business’s name is easily confused with common or generic terms (“Quality Plumbing,” “Fast Oil Change,” “Tasty Sandwiches”), your Manta listing is likely to appear on Google’s or Bing’s first results page of a search engine. This is crucial because many consumers never venture past the first results page.

3. Consumers Rely Heavily on Directory Listings for Research

If you thought a PCMag study that found roughly 40% of online reviews to be fake would deter shoppers from relying on them, you’d be wrong. According to a 2017 ReportLinker survey, 60% of consumers give online reviews as much weight as recommendations from real-world acquaintances.

Setting aside the question of whether this is a wise policy for consumers to abide by, it’s a compelling case for taking the time to maintain listings on business directory sites with user-generated reviews, such as Manta.

Cons of Listing Your Business on Manta

Manta is a useful part of many a business’s online presences, but it’s not appropriate for every enterprise. Drawbacks include the time and resources involved in maintaining a profile and the fact that listings display potentially sensitive information — which may, in turn, invite abuse.

1. Maintaining Your Profile Takes Time and Effort

Although the initial step of claiming your Manta listing takes just a few minutes, keeping your listing optimized and up-to-date requires real ongoing work. Uploading photos, analyzing user data, responding to reviews, changing listing information that’s no longer relevant — all these activities take time and effort.

If you have an online store, other business directory listings, and multiple social media accounts, staying on top of your digital presence could prove overwhelming.

And, if you’re a cash-poor small business without the means to hire a part- or full-time marketing employee or social media manager, or even work with an outside PR or marketing firm, you’ll need to do this work yourself. If you can — otherwise, there’s no shame in waiting until your business has grown a bit to invest in a first-rate directory profile.

2. May Not Be a Great Resource for User Reviews

Although Manta never experienced the sorts of high-profile fake review scandals that bedeviled Yelp in the late 2000s and early 2010s, the platform is certainly mindful of the potential for inauthentic reviews to interfere with and dilute genuine user feedback.

Indeed, Manta and reputable business directory sites like it take measures to combat fraudulent reviews that can at times be overzealous — filtering out real reviews that you might want your customers to see.

Separately but relatedly, many Manta business listings simply don’t have many user-generated reviews, making them less useful for consumer research. Many of my favorite businesses — enterprises I know to be legitimate — have zero Manta reviews, likely through no fault of their own.

If you want to ensure your customers see every review of your business, good or bad, you’re better off investing in a more “social” directory like Facebook or Yelp.

3. Directory Listings Contain Sensitive Information

Certain types of businesses, such as restaurants and brick-and-mortar retailers, have no choice but to reveal their business addresses, phone numbers, and other basic bits of important-if-sensitive information. Customer-facing businesses like these can’t survive in anonymity.

That said, other types of local businesses — including those that make house calls, like home service providers — might prefer to conceal their physical locations, and possibly contact information, from the public. For example, you might not want your clients to know that you work out of a home office or coworking hub rather than an office suite.

To be clear, if an unclaimed listing exists for your business, it may well list your true place of business, be it a residential address, coworking space, or virtual office. You’ll need to claim your listing to remove this information — but once that’s done, you can feel free to let it lapse.

4. Your Listing Could Attract Abuse

There’s a small but real possibility that your listing could become a forum for abusive or hateful reviews or feedback from misguided customers — and, potentially, members of the public with no connection to your business.

Unlike some online retailers, business directory sites like Manta tend not to require would-be reviewers to verify that they’ve patronized a listed business in the past. This makes it easier than it should be for people with a political agenda or personal grievances to single out individual businesses for criticism.

When they occur, such campaigns typically revolve around controversial actions or stances taken by the targeted business’s owners or employees. For example, in early 2015, the owners of an Indiana pizzeria made headlines for publicly announcing that they’d follow their state’s recently passed Religious Freedom Restoration Act, which was widely interpreted to condone discrimination on the basis of sexual orientation.

The stance prompted a backlash that saw thousands of comments, some of which were obscene and threatening, posted to the restaurant’s website. Citing safety concerns, the shop closed shortly thereafter, according to the Indianapolis Star.

Reasonable people can disagree with the restaurant owners’ politics without condoning threats to their and their employees’ safety. And, even if you have no plans to publicly announce your business’s support for controversial legislation, your digital presence might nevertheless become a venue for customers to air their grievances.

If you’d rather not deal with such backlash, perhaps it’s best to lay low.

How to Claim or Create Your Manta.com Listing

Follow these processes and tips to claim or create your Manta business listing.

Claiming an Existing Business Listing

Manta uses user-submitted and publicly available information to generate business listings, which legitimate owners can claim. Claiming your Manta profile allows you to do the following:

  • Update Your Listing Information. Claiming your listing unlocks the ability to edit your business name, contact information, business hours, brands carried, payment accepted, business categories (such as “doctors’ offices”), and other basic information. You can also add a brief, customized description of what your business does and provide links to your company website or social media pages.
  • Add Logos and Photos. You can upload your business’s logo or another representative photograph to appear at the top of your listing.
  • Highlight Products or Services. Basic Manta profiles allow for three highly detailed product or service pages, which are useful for describing core or high-value offerings to prospective customers. You can add photos, list prices or price ranges, and include a “Purchase Info” button, which prompts visitors to take a specific action like “call for a free quote.”

Manta has a good primer on claiming a legitimate business listing. To finalize your listing claim and any changes you’ve made, you’ll need to create a user account with your email address, Facebook account, or Google account. If you create a listing with an email address, you’ll need to input your full name, email, and a unique username and password.

If desired, you can add a headshot. Your profile doesn’t contain a ton of personal information about you — it’s more about managing your own business listing, recommendations for other businesses, and account privacy.

Once your profile is created, you can find out whether your business is listed by searching Manta’s database for your exact business name and city. If a listing already exists, click the “Verify Now” button next to it to sync it with your personal profile.

Unlike Yelp, Manta doesn’t require verification of ownership, but you can follow a similar process to earn a “Verified” badge, which Manta claims confers legitimacy. With your listing synced to your profile, you can begin editing and improving to your heart’s content.

Creating a New Listing

If your business isn’t yet listed, simply click the “Add Business” button that appears at the top of every Manta page. Doing so leads you to a form to list your company, where you’ll fill out some basic information about your business: exact company name, exact location, and contact details. This unlocks your listing and syncs it with your personal profile.

How to Optimize Your Manta Listing

Use these tips and resources to optimize your Manta listing once it’s claimed or created:

1. Create a Compelling “About Us” Section

A detailed About Us section is great for boosting your page’s visibility on search engine results pages. Use Google Keyword Planner or a similar tool to identify keywords that your business already ranks for, and then sprinkle them into your About Us copy.

Make sure your About Us is comprehensive, but not awash in detail — the goal is to create a high-level look at your business that shows why you’re different from the competition without overwhelming the reader with granularity.

2. Take Full Advantage of the Product and Service Showcases

Manta lets you highlight up to three products, services, or packages on separate pages within your listing, and there’s no reason not to take full advantage. Focus on popular, preferably high-margin products and services that somehow stand out from what the competition offers. Include images, pricing information, and keywords — check Google Keyword Planner.

3. List as Many Contacts and Links as Possible

In addition to your main business phone number and company website link, include as many relevant contact numbers and web property links as necessary to provide one-stop access to your entire business.

If your business has multiple departments — such as a dining room, bakery, and catering service — provide names and direct lines for the manager of each. Likewise, link to each of your social media properties and your online store, if you have one.

4. Solicit and Curate Customer Recommendations

Manta doesn’t make customer feedback a core part of its appeal. Manta frowns upon customer feedback manipulation, so don’t offer special deals to customers who provide glowing recommendations.

However, it does still allow customers to leave what are essentially reviews on companies’ directory listings, so you can certainly ask and encourage customers to leave feedback if they wish.

5. Use Educational and Social Resources

Manta publishes educational articles on how to get the most out of your Manta profile, as well as general tips on running and marketing your business. It also hosts discussion forums that allow you to connect with other Manta users, talk about your experience on the platform, and seek out advice from more experienced users.

Final Word

Manta isn’t the only free business listing site that small-business owners like you should consider using. Dozens of other sites, including some you’ve probably heard of — Yelp, for example — can increase your company’s name recognition and promote its services to more potential customers than you’d reach via more expensive marketing channels.

Not all such sites are created equal, of course. Some are free or nearly so, while others require a one-time fee or monthly subscription. And many are ill-suited to certain types of businesses or have other drawbacks that might give you pause.

Instead of spending time and money chasing after every directory site that might possibly help your business, take some time to research the most popular options and develop a narrower, more manageable list that works within the constraints of your marketing plan and budget.

Along the way, feel free to speak with peers and competitors about their own experiences on these platforms, assuming they’re willing to talk. With so much else on your plate, you certainly don’t need to make an investment that has little chance of paying off.

Source: moneycrashers.com

Should I Cash Out My Day Trading Account To Pay Down Debt? (Hour 2)

Investing, Debt, Retirement, Relationships, Business, Taxes

As heard on this episode:

  • Tuft & Needle: https://bit.ly/2JgMogF 

Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 

Tools to get you started: 

  • Debt Calculator: https://bit.ly/2QIoSPV
  • Insurance Coverage Checkup: https://bit.ly/2BrqEuo
  • Complete Guide to Budgeting: https://bit.ly/2QEyonc

Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR

Source: daveramsey.ramsey.libsynpro.com