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Welcome

Ever notice that the world is full of experts who have never actually done what they are "experts" at?

Many a business professor has never actually managed a business. Most business courses stress defining business terms but never actually teach the concepts of running a business.

This blog hopes to teach some of the terms and, at the same time, give some examples and lessons on running a business.

There will also be reviews of books on business listed here. Sometimes companies give me books to review. Regardless of where I get the book to review, I will give my honest opinion. If I was given the book to review I will always disclose that in the review.

I seek to start posting on 02 January 2012. Some of the posts will be recycled from some of my other blogs.

The reader should know that there is no one “Right Way” to conduct business that will apply in all situations. This blog is meant as a place to start. It is hoped that you will perform further research and consult professionals experienced in your particular business before making any important decisions.



17 November 2017

Guest Post: 3 Steps To Properly Insure Your Small Business In A Natural Disaster

Notice: This post may  contain affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction. Thank you for your support!

The following is a guest post.  This post does not necessarily reflect the views of Suzanne and David E. McClendon, Sr. or Manian Debil Productions.


3 Steps To Properly Insure Your
Small Business In A Natural Disaster
The recent spate of natural disasters that devastated parts of North America included a violent variety of events. There were three major hurricanes – Harvey, Irma and Maria – wildfires in Northern California, an earthquake in Mexico and tornadoes in Oklahoma.

One thing these calamities had in common: They inflicted billions of dollars in property damage and adversely affected many small businesses. History portends that many of those operations won’t completely recover – ever.

Almost 40 percent of small businesses don’t reopen after a disaster because the cost of recovery is so high, according to the Federal Emergency Management Agency. One of the major reasons is that the businesses didn’t have sufficient insurance.   

“Many small business owners will face additional losses due to these disasters, some of which may not be as obvious as flood or wind-damage claims,” says Peter J. Strauss (www.peterjstrauss.com), an attorney, captive insurance manager and author of The Business Owner’s Definitive Guide to Captive Insurance Companies.

“While utilizing the commercial market for major lines of coverage – property, general liability, etc. – is crucial for major events like a hurricane or tornado, it is very likely that not all the losses your small business could suffer will be covered.

“It’s a big blow – often a terrible surprise. So as a business owner, it’s critical that you know you’re completely covered. If you’re unsure, a little homework is necessary.”
Strauss gives three steps small business owners should take to be properly insured in a disaster:

• Weigh the worst-case scenarios. A natural disaster can affect a small business in many ways so the owner needs to schedule a complete risk assessment and consider every aspect of potential damage when seeking an insurance policy. “Things like costs incurred by the property while the business is closed; extra expenses for moving to a temporary location; loss of customers and loss of employees because their home was badly damaged and relocating is the only feasible option for them,” Strauss says. “There are a multitude of scenarios that could occur, and as the business owner you really can’t afford to leave anything exposed.”
• Don’t roll the DICE. Strauss references the insurance acronym DICE as a checklist for analyzing your policy. DICE includes the Declarations page, the Insuring agreement, Conditions, and Exclusions. “The business owner should read the policy thoroughly or go one step further and have an expert review the policy,” Strauss says. “The Declarations page is as far as most people will read. But when you dig into the Insuring agreement and beyond, that is where you will find the real meat of what is actually covered. Pay attention to key words and phrases and research the terms.”
• Consider insurance alternatives. Some small business owners shopping the commercial insurance market find that the coverage is too restrictive or expensive for their kind of business. One of the best options available is to form a captive insurance company, or more commonly called a ‘Captive.’ “A Captive is an insurance company that their business owns and controls. Not only does a Captive help control the cost of premiums, because the business determines the risks it is going to insure, but there can also be significant financial advantages,” Strauss says.

“The commercial insurance market can be a sticky wicket,” Strauss says. “We make the conscious choice to spend money on various insurance policies versus sweating the odds of not being covered in an emergency. But what if the real gamble was buying the insurance in the first place?”
About Peter J. Strauss
Peter J. Strauss (www.peterjstrauss.com) is an attorney, captive insurance manager and author of several books, including most recently The Business Owner’s Definitive Guide to Captive Insurance Companies. He is the founder and managing member of The Strauss Law Firm, LLC, on Hilton Head Island, S.C, and also the founder and CEO of Hamilton Captive Management, LLC. A graduate of the New England School of Law, he holds an LL.M. in estate planning from the University of Miami and speaks regularly at public seminars.

If you would like for me to pray for you, please drop me an e-mail by clicking prayer.




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I respond to all approved comments on this blog, ideally within 24 hours.  Please check back here for a response to your comment.  Thank you!


Please be advised that all the information in this course is provided to educate, enlighten, and broaden your views in life.  The information provided is not a substitute for medical, legal, dietary, financial/accounting, or religious professionals.   Always consult a professional before you act on any of the information you find in this course. 


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Help us reach 1,000 YouTube subscribers. Please watch some of our videos. If you like them, please subscribe. Also, please share our YouTube information with your friends.  We thank you so much for all your help. 


Disclaimer: The opinions or advice listed in this blog or website should be used as a place to start only. It is not a substitute for the use of a professional.

 Please be sure to consult your attorney, accountant, and/or other professionals with any specific questions. There is no one right answer to any business question that will cover all circumstances.


Notice: This post may  contain affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction. Thank you for your support!

15 November 2017

Called to Stand: How a Small Christian Ministry Courageously Stood Up to Government Tyranny by Patricia Feijo

Notice: This post may  contain affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction. Thank you for your support!



From time to time we read a book that makes us slow down to take in all the details.  Called to Stand: How a Small Christian Ministry Courageously Stood Up to Government Tyranny by Patricia Feijo is one of those books.

The author takes us on a journey with her and her husband as they seek God.  They lived the kind of life many would like to, but are afraid to step out in faith.

From traveling to foreign countries at the drop of a hat to taking in total strangers they felt needed God’s help, this family has done it all.

Then, the couple felt led to start a health food business.  This business became the subject of a federal witch hunt.  It appears the federal government thinks we, the American people, are too stupid to think for ourselves.

Most of Called to Stand is spent chronicling the story of that ongoing federal witch hunt.

We give Called to Stand all five stars. This book is extremely well-written. It is the kind of story that draws the reader into it.  The reader can actually feel the desperation of the family as they go through not only governmental persecution, but at times persecution and abandonment by fellow Christians.

If you are a Christian, you simply must read this book.  

If you believe in the freedom to choose your own health plan, you must read this book.

If you believe in the free enterprise system, you must read Called to Stand.  

You should add Called to Stand to the list of gifts you give out this Christmas.  This is the one gift that will work for anyone on your Christmas list that can read.

When you buy your copy, make sure to buy a second copy to give to your church.  You may even want to make this the text for a small group prayer study in your church.

We were sent a complimentary copy of Called to Stand in the PDF version.  We are under no obligation to write any review, positive or negative.

We are disclosing this in accordance with the Federal Trade Commission's 16 CFR, Part 255.


If you would like for me to pray for you, please drop me an e-mail by clicking prayer.



Please Visit My Child Bride Suzanne's Blog


I respond to all approved comments on this blog, ideally within 24 hours.  Please check back here for a response to your comment.  Thank you!

Please be advised that all the information in this course is provided to educate, enlighten, and broaden your views in life.  The information provided is not a substitute for medical, legal, dietary, financial/accounting, or religious professionals.  Always consult a professional before you act on any of the information you find in this course. 


Do you have a frugal recipe?  Please e-mail it to me.

Help us reach 1,000 YouTube subscribers. Please watch some of our videos. If you like them, please subscribe. Also, please share our YouTube information with your friends.  We thank you so much for all your help. 

Disclaimer: The opinions or advice listed in this blog or website should be used as a place to start only. It is not a substitute for the use of a professional.

 Please be sure to consult your attorney, accountant, and/or other professionals with any specific questions. There is no one right answer to any business question that will cover all circumstances.

Notice: This post may  contain affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction. Thank you for your support!

04 November 2017

Naked Sales: How Design Thinking Reveals Customer Motives and Drives Revenue by Ashley Welch and Justin Jones



Normally we like books on how to sell more stuff.  Having studied at the feet of three top salesmen, we have observed what it takes.

Naked Sales works hard to teach readers what it takes to excel in sales.  However, it is a lot like playing skeeball.  Naked Sales by Ashley Welch and Justin Jones hits the 40 point skeeball hole but never makes it to the 50 hole.

What we mean is that they really come close to teaching what it takes to make great sales, but then they undo it.

Why do we say this?  If you are in sales, no one is going to say, “I would buy from that person if only they would use a little more street language in their conversation.”

We aren’t saying that the book contains vulgar language.  What we are saying is that one must avoid using words that one would expect from an uneducated person.

Also, in one graphic, the caption says “Client Could Care Less”. Probably what they meant to say is “Client Couldn’t Care Less.”  Are we nitpicking? Maybe.  But, if one is trying to improve his sales, he must put his best foot forward.

If you are trying to convince someone that you know your product will fill their need, you diminish your credibility when you don’t speak professionally.

Three Star Review



Naked Sales is a good book and is deserving of three out of five stars. If one is looking to improve his sales, he will want to fill in the gaps that Naked Sales leaves by reading Dale Carnegie’s How to Win Friends and Influence People. He may also wish to pick up a copy of All In by Bill Green. Polish this up with How I Raised Myself From Failure to Success In Selling by Frank Bettger.

These four books together will give the prospective salesperson everything needed to be a super success in selling.  


We were sent a complimentary copy of this book.  We are under no obligation to write any review, positive or negative.

We are disclosing this in accordance with the Federal Trade Commission's 16 CFR, Part 255.


If you would like for me to pray for you, please drop me an e-mail by clicking prayer.



Please Visit My Child Bride Suzanne's Blog



I respond to all approved comments on this blog, ideally within 24 hours.  Please check back here for a response to your comment.  Thank you!


Please be advised that all the information in this course is provided to educate, enlighten, and broaden your views in life.  The information provided is not a substitute for medical, legal, dietary, financial/accounting, or religious professionals.   Always consult a professional before you act on any of the information you find in this course. 


Do you have a frugal recipe?  Please e-mail it to me.

Help us reach 1,000 YouTube subscribers. Please watch some of our videos. If you like them, please subscribe. Also, please share our YouTube information with your friends.  We thank you so much for all your help. 


Disclaimer: The opinions or advice listed in this blog or website should be used as a place to start only. It is not a substitute for the use of a professional.

 Please be sure to consult your attorney, accountant, and/or other professionals with any specific questions. There is no one right answer to any business question that will cover all circumstances.


Notice: This post may  contain affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction. Thank you for your support!