Advice on Business Advice …Don't Buy It

If you are a subscriber to any business or marketing content email mail lists you know that every marketing person who has ever read a business book,  walked in a bookstore, or touched the coat of an expert is coming out with headlines appealing to the fear that appears to be pervasive in the marketplace.  Let’s take a look at some of the headlines appearing in my email box recently:

Subject Lines In My Email Box – A Small Sampling

What Is Your Economic Bailout Plan?

Steve, Annihilate The Rat Race

Turn Recession Into Prosperity

Just Follow This and You Will Make Money

Stop The Roller Coaster, I Want Off

Steve, How To Prosper In These Perilous Times

Recession Survival

Melt Down,  What Melt Down?

Discover The Secret of Staggering Entrepreneurial  Success

Everyone has a story that includes successes and failures.  However only a few have experience that is valuable for others.  Select coaches, advisers, consultants based on what they have done in their own business and not just based on what they say they have done for others.

I purchased my first company in the mid 90’s.  It was a chain of drug stores in Tampa Bay with revenues of $50 million.  There were more valuable experiences gained from being an owner for two years before it was sold that in my entire business career up to that point.

Soon after, I started an Internet Service Provider company and while doing that “pushed the experience envelope” in quite a few areas.  I learned what can happen if  you are juggling too much and assuming all is well.  Can you feel that all did not go well?

Listen to those people who have experience with your business issues.  They do not have to be an expert with your product or service. They must be an expert in helping you move forward whether that be marketing programs,  organizational development, pipeline management, technology….whatever the areas that need the most attention.  The best advisers are those who have a very clear grasp on your business model and quickly see the “A Priority” opportunities that can be moved on to realize maximum benefit quickly. You will not find this guidance “in a box” or emai. Personal attention from a person who understands and will guide your business forward and help you achieve your goals.

One starting point is to call me – Steve Pohlit 727-587-7871

Sending all my readers the energy of wellness, peace and abundance

Steve Pohlit,  www.StevePohlit.com

Network with me on Facebook: LinkedIn: Follow me on Twitter

Steve is the President of International Business Consulting Resources. His firm specializes in guiding companies to rapid increases in revenue and profits with a sustainable growth rate. Don’t miss my FREE Report: How To Make More Money With Your Business Now and Long Term I am building my practice and welcome new client inquiries. Call me for a fee consultation at 727-587-7871

This report may be freely distributed without restrictions with the original content including this resource box remaining unchanged. Author: Steve Pohlit, Business Consulting Services, Executive Coaching. For more information including a “My Do It For You, Make More Money Now Package” , please visit www.stevepohlit.com

How A Conference Call Problem Is Flipped To A Marketing Opportunity

Recently I planned to co-host a teleconference call where over 2,000 interested people were invited. When events of this type are planned, I usually anticipate a 5-10% reservation rate and then 20-25% of the people reserving their space will actually participate on the call.

Those numbers are not the lesson of this article.  Although if you read the numbers carefully they wil help network marketers, direct response marketers and people managing special interest groups off line and on line. This article is about the doors that opened when I failed to understand all of the featurs of the new conferencing call system I was testing and I couldn’t connect the callers. I rescheduled the call.

In a prior life I would have blamed a lot of people but now I look and say what could I have done to prevent this problem?  The number one action (and yes I knew this but didn’t do it) was to test the system before announing and promoting the call. I had assumed I understood how it worked from the training that was available and I didn’t.  So I accept responsibility for needing to reschedule the call.

First lesson: always test …always.

The conference call system is fairly new and once discovered I really wanted to use it. The features and benefits for a free system were “off the charts.”  I was further impressed by an email from the company’s CEO who had learned of my canceled call and wanted to know about the  difficulty and what they could do better.

Second Lesson: when a customer even a free customer has an issue, find out what  you can do to solve the problem and possibly prevent it from recurring.

In order for me to answer the question for myself and the CEO as to what can be better I needed to make sure I understood how this system worked.  Often times  when I have a question I will become the teacher since if I can successfully explain it to someone else then I understand it myself.  So I developed three videos of enhanced training for this system which is called Callifower. These videos are below.

Third Lesson: You understand an important topic well enough if you can teach it.

Now this is where my business analytical and consulting skills really kick in. I stepped back from this situation and asked, other than my group who else would benefit from this conference calling system and training?  Here is a short list:

1. There are groups using conference calling extensively now. They include network marketers, internet marketers launching products to name a few.

2. Companies with employees in remote locations. These can include outside sales people on the road, managers of stores in multiple locations, trucking companies with drivers on the road, employees in mulitiple offices or plant locations.  Are you beginning to see the opportunities.

Fourth Lesson: Be open to how technology developed for one group can be applied to non-targeted groups.

This is the advantage of working with a business consultant exposed to a wider range of company practices. However, like companies not all consultants have expertise in marketing tools like blogs, video, social networking, conference calls, syndication, direct response and more.

International Resources and specifically this consultant is very connected to not only the latest tools that are developed but more importantly often has personal experience with what is working.  This logic can be applied to company managers who identify a practice that works well and can share that using video, white papers, blogs, press releases, emails, newsletters and seminars with  customers and even competitors. Very few discoveries are extremely proprietary and often “speed to market” with information establishes credibility.

What really caught my attention about Calliflower were the features of being able to see who is on line and multiple ways for participants to ask questions and participate.  Check out these videos:

Video 1: Calliflower Conference Call Training for Participants:

Video 2 Part A Calliflower Conference Call Training for Conference Hosts:

Video 2 Part A Calliflower Conference Call Training for Conference Hosts:

Sending all my readers the energy of wellness, peace and abundance.

Steve Pohlit http://www.stevereports.com

Network with me on Facebook: LinkedIn: MySpace: Follow me on Twitter

Don’t Miss These Free Reports from my new business consulting site:

The Top 10 Action Stops That Will Make Your Business At Least 50% More Money in 90 Days or Less While You Spending Less Time Working Click Here For The Free Report

The Key Issues That Must Be Addressed Before You Buy Any Business of Any Size. Click Here For The Free Report

Steve is the President of International Business Consulting Resources. His firm specializes in guiding companies to rapid increases in revenue and profits with a sustainable growth rate. Don’t miss my FREE Report: How To Make More Money With Your Business Now and Long Term I am building my practice and welcome new client inquiries. Call me for a fee consultation at 727-587-7871 Remember many of my business building articles can be found at Steve Reports and my prosperity building tool (best tool ever for helping you manifest your goals and dreams) is The Prosperity Tool Chest and guiding articles posted very often at Prosperity Tip

How This One Tool Will Guide You To Profitable Business Growth

The value of the tool presented in this video is huge. It is named The Gold which represents its value for you and your business. It is the foundation for achieving all business performance goals.

I use it on every business consulting project and with every executive coaching project. The Gold is used when my firm provides interim CFO and controller services. The Gold is used for special purpose project management as the logic can be applied to every function within a business.

You can use this right now to help your business and if you need assistance with implementation, I welcome all inquiries.   Steve Pohlit 727-587-7871.    

 

   

 

Sending all my readers the energy of wellness, peace and abundance. Steve Pohlit http://www.stevereports.com

Network with me on Facebook: LinkedIn: MySpace: Follow me on Twitter

Don’t Miss These Free Reports from my new business consulting site:

The Top 10 Action Stops That Will Make Your Business At Least 50% More Money in 90 Days or Less While You Spending Less Time Working Click Here For The Free Report

The Key Issues That Must Be Addressed Before You Buy Any Business of Any Size. Click Here For The Free Report

Steve is the President of International Business Consulting Resources. His firm specializes in guiding companies to rapid increases in revenue and profits with a sustainable growth rate. Don’t miss my FREE Report: How To Make More Money With Your Business Now and Long Term I am building my practice and welcome new client inquiries. Call me for a fee consultation at 727-587-7871 Remember many of my business building articles can be found at Steve Reports and my prosperity building tool (best tool ever for helping you manifest your goals and dreams) is The Prosperity Tool Chest and guiding articles posted very often at Prosperity Tip

Thank You Frank Kern.. You Are The Reason For This Video

An objective review of this video by almost anyone would say – don’t release it. I can come up with  over a hundred reasons why this video should not be released. However, I look at Frank Kern. Have you ever watched any of his videos?  Google him and take a look. Inspirational!  If this guy can deservedly make 10 ‘s of millions annually with his style, I know I can provide 10 times that value.  Love your style and valuable content Frank.

My message to you is this: if you wait until you like your own video, article, website, blog material before you make it public, it will never be public.

I founded YouTube Mastery on Facebook and YouTubeMastery.net   I did that because video is huge and there is so much compelling evidence of how video is driving traffic to websites and driving up ranking in search engines, you would have to be nuts not to use it.  OK and so there are a lot of people who are nuts. Video remains my number one marketing recommendation.

My primary business is coaching executives and restucturing companies for long term improvements in profit performance and asset management.  The following video is the first in a series that describes my business consulting practice and as the series develops offers specific guidance as to what you can expect during a consulting engagement as well as valuable tips that will help your business make more money right now.

 

 

Sending all my readers the energy of wellness, peace and abundance.

Steve Pohlit
http://www.stevereports.com

Network with me on

Facebook:

LinkedIn:

MySpace:

Follow me on Twitter

Don’t Miss These Free Reports from my new business consulting site:

The Top 10 Action Stops That Will Make Your Business At Least 50% More Money in 90 Days or Less While You Spending Less Time Working Click Here For The Free Report

The Key Issues That Must Be Addressed Before You Buy Any Business of Any Size. Click Here For The Free Report

Steve is the President of International Business Consulting Resources. His firm specializes in guiding companies to rapid increases in revenue and profits with a sustainable growth rate. Don’t miss my FREE Report: How To Make More Money With Your Business Now and Long Term I am building my practice and welcome new client inquiries. Call me for a fee consultation at 727-587-7871 Remember many of my business building articles can be found at Steve Reports and my prosperity building tool (best tool ever for helping you manifest your goals and dreams) is The Prosperity Tool Chest and guiding articles posted very often at Prosperity Tip

How To Use Social Media Video (YouTube) To Grow Your Business

Does 200 million page views a month catch your attention? How about knowing 41% of the members between the ages of 34 and 55 and all groups are divided nearly evenly between male and female? If that isn’t enough to get your attention consider these:

1. Members look for content by areas of interest.
2. All content is video and each video can be described using text that is rich with targeted keywords for your product or service.

Just a Couple More Things

1. The information above is about YouTube.. the 6th highest volume site on the Internet. The demographic data is for the US only and yet YouTube is International. The real number are larger but not quantified.
2. There are more than 150 social media sites on line and growing. Each one is attempting to carve out a niche of the huge general market. Of the 150, approximately one third are video sites. Once a person masters YouTube alll the skills are generally transferable to other niche market video sites.

The Action Plan Tracker

I have a business consulting firm. I teach companies how to build revenues and profits using proven principles and processes. Part of the business consulting work plan is to help the client implement an improved and more effective marketing strategy. Social media is now a required component of my updated business marketing strategy model. The numbers of people joining social media sites and becoming very active are very significant and should not be ignored.

There are a huge number of businesses that do not have websites, use blogs, test on line promotion campaigns, execute effective email campaign which are all very proven and effective marketing tools. Social media sites generally completely ignored by most companies. The exceptions are wisely building brand and loyalty.

Very recently I developed the groups YouTube Mastery on Facebook and MySpace as well as the the site www.youtubemastery.net These resources are just being developed and the website is very underdeveloped. However, I have a very clear plan and once I reach that point I take action and sacrifice some perfection. People need to know about these opportunities now and begin using all the Internet tools plus traditional marketing tools in their business now. I currently advise business owners that they need to be devoting nearly 80% of their time on marketing. Part of that 80% includes working with staff and others accountable for marketing. Marketing and developing people are the two most important areas where a business owner needs to spend their time. All other responsibilities should be delegated. What if your are an entrepreneur of one. The point is still the same.

Right Now Action Steps:

1. Join the group YouTube Mastery on Facebook
2. Visit and register at www.youtubemastery.net

These two actions will result in you getting up to speed on using social media and social media video to market your business.

Sending all my readers the energy of wellness, happiness and peace.

Steve Pohlit
http://www.stevereports.com

Don’t Miss These Free Reports from my new business consulting site:

The Top 10 Action Stops That Will Make Your Business At Least 50% More Money in 90 Days or Less While You Spending Less Time Working

The Key Issues That Must Be Addressed Before You Buy Any Business of Any Size.

Click Here For The Free Report

Steve is the President of International Business Consulting Resources. His firm specializes in guiding companies to rapid increases in revenue and profits with a sustainable growth rate. Don’t miss my FREE Report: How To Make More Money With Your Business Now and Long Term I am building my practice and welcome new client inquiries. Call me for a fee consultation at 727-587-7871 Remember many of my business building articles can be found at Steve Reports and my prosperity building tool (best tool ever for helping you manifest your goals and dreams) is The Prosperity Tool Chest and guiding articles posted very often at Prosperity Tip

Steve Pohlit Reports on The Question Raised by Lynn Pierce On Why So Much Confusion?

Lynn Pierce is a wonderful business professional and is  successful author, speaker, business coach and more.  Click Here for more on Lynn

In a blog post today Lynn writes (excerpts – click above for the complete post): “It doesn’t matter if it’s an experienced speaker making the transition from fee based & keynote speaking to public speaking or if it’s someone just starting out who wants to be a speaker, author or Internet Marketer, they all seem to be struggling with the same key issues.”…..

“One thing is that the new people just getting into this industry of information marketing are spending thousands of dollars learning how to build a list or how to blog & podcast or they’ve gone to speaker training, or learn how to do teleseminars or how to drive traffic and they still don’t know what their topic is.”

In all fairness most people who are passionate about business, marketing on line and off line and developing their own independent business are buyers.  I am still a buyer and plan on attending even more events in the next 12 months. Each time I go to an event I buy products and consistently buy products that appear interesting. In many cases I want to see what someone else is doing.  I may be able to adopt some of their content to what I am working on. I think I am doing a better job of knowing my topics.

There is deeper issue and this is my comment to Lynn’s blog post:

….Hi Lynn, hope you are doing great. Your post presents several very interesting topics for discussion. That by the way is an great way of generating interest and attention on a blog based site.

There is no question that focus on a topic matter is very important. I think it is important to realize that if your topic is one that others also focus on that is good. The market is telling you there is demand. I know I have side stepped topics in the past because of “this has already been addressed” only to see someone else recycle the topic in a new package.

My thinking today as I continue to move forward with my consulting practice where I show companies How To Increase Revenue and Profits by 30% or More in 90 Days or Less with my process called “The Profit System” is that the dreams and desires of the individual must be met or anything that is successful will be short lived.

Using your example of a speaker who wants to take their keynote and develop it into an information product, if their motivation is the money it is likely going to be a mediocre product. There needs to be a passion about what we do that is in alignment of who we are. This is the reason I am now adopting my work with The Prosperity Now Program into my professional practice.

I welcome all to stay current with the developments of The Prosperity Now Program by registering at http://www.prosperitytip.com

Of course I love to be followed and reciprocate at http://www.twitter.com/stevepohlit and always looking for more friends at Facebook.com , LinkedIn.com and MySpace

May you experience you pure potentiality in all areas of your life.

Steve Pohlit, Business Development Consultant
http://www.stevereports.com

The Exact Steps Required To Turnaround A Business That Is Cash Flow Negative (In Trouble)

I have led companies in the retail, real estate, transportation and restaurant industries from  near catastrophe to stability and profitable growth. Companies find themselves in a dire straits position for a multiple of reasons when the economy is strong as well as weak … more so when weak.

The current business climate is tenuous and an increasing number of businesses find themselves in a profit and cash flow crunch. If you or someone you know is in that position, time is of the essence. Literally every hour that passes is critical when a company’s profit and cash flow are on a downward trend. The faster action is taken to restore the business to a positive cash flow position, the more likely it can be further strengthened to renewed profitable growth.

The following steps are the major ones that I have guided clients through who have been in this situation:

1. Stop issuing checks until Step 2 and Step 3 are completed. The exception would be payroll and any utilities if you are at the point of being shut off if the bill is not paid. If you have a trucking company you have to buy fuel. If you are a restaurant you have to buy food. If you don’t have the funds to pay “life support costs and expenses” there are still options but they would have to be addressed on a case by case basis. You want to avoid getting to the point of not being able to pay the must have expenses.  There is a wide variation of the definition of must have items. The clients I have helped were very surprised at the literal definition of “must haves” but they thanked me later.

2. Be certain as to your exact cash and liquidity position. You need a very accurate snapshot of the free cash in your bank account, the quality of accounts receivables and a precise accounts payable listing that includes all invoices. You would be surprised as to how many companies do not know their actual cash position, ignore problems in their accounts receivable balances and forget that oftentimes there are bills sitting in unopened mail and desk drawers.

3. Develop an eight week cash receipts and disbursements forecast and don’t leave one cent off of the disbursements list. If you are not sure how to do this, there is an example at 10 Minute MBA This is a core schedule that I implement with all clients and is very valuable when used properly.

4. Document an organization chart with each person’s position and compensation.

5. If the business sells a physical product, it is important to evaluate the inventory. You cannot sell what you don’t have and you can’t replenish inventory if vendors have shut you off.

6. If there are debt agreements in place understand all debt compliance covenants.

7. Identify all critical support functions. For example, the company’s internet connection, maintenance agreements on machinery and equipment and key licensing agreements if any.

The goal is to have an accurate picture of all the facts no matter how dismal they are. I can’t tell you how many times I have been blind sided by additional pieces of information that were very important in finalizing the turnaround plan.

What Actions Are Typically Taken Once There Is An Accurate Picture of Situation?

1. Cut all non- essential spending and payroll.

2. Implement a temporary reduction in pay for as many people as possible. That is always difficult and may be impractical if there is a union or a large hourly workforce. Every situation is different but normally payroll has to be cut and it is often delegated to the outside consultant to handle.

Note: many of these steps are implemented quickly. Even while the entire picture is still being developed. That is where experience with these situations is very valuable. Experts with turnaround experience know how and where to act fast.

3. With people you want to take the action one time and then meet with those that remain and explain to them what is going on and how it is going to be fixed.

4. Vendors on the accounts payable list will need to be called and given a date when they can expect a workout plan. This is not fun work even for an expert consultant. However, whatever needs to be done to save the business and restore profitability should be addressed.

5. If there is a sales staff, look to move those people to full commission status and if possible add to the staff with full commission as the compensation package. Be careful if out of pocket expenses are paid. They have to be limited and per diems in place.

6. Assign clear accountability for collecting receivables and put in place a three step collection process. In certain cases discounts are negotiated for paying early.

Notice all the emphasis at this point is on cutting expenses and build cash once that process is in place then

Work on your building business and profits plan. Make sure it is realistic and focused on the next 90-180 days. When that is drafted including the financial projections you are now in a position to negotiate with bank debt holders, capital equipment lease venders and other long term lease agreements in place.

Some clients may need to file for chapter 11 reorganization. This should be avoided at all costs since it is very expensive, time consuming and a major distraction. However sometimes it is the only available option other than shutting your doors. Chapter 11 is usually the best answer where selling assets, selling the business or parts of the business is part of the the turnaround plan.

I hope this helps and while it addresses many points there are always more depending on the business. The following is right from my Turnaround Consulting Site

Do you worry about running out of cash?
Do most of your key vendors have you on COD?
Have checks issued by your business bounced?
Are revenue trends decreasing and accounts payable increasing?
Have any of your valued employees left for a “better opportunity”?
Are you spending all of your time fighting fires?
Do you wake up at night fearing you will be out of business?
Do you fear you will not have enough cash to meet your next payroll? What about the next?
Are you thinking or have been advised that a reorganization of your business under Chapter 11 of the US Bankruptcy code may be the answer?

“If You Answered Yes To More Than One of These Questions, Then You Need To Call Steve Pohlit at 727-587-7871 Right Now. That Is My Direct Line. I Will Personally Determine If I Can Help You Solve Your Business Problems or Refer You To Someone Who Can. This Call Will Cost You Nothing and May Well Save Your Company.”

____________________________________________________________________

There are two reasons why companies ask me for business consulting assistance:
1. They know what to do but want an independent third party experienced business development consultant to drive the process as that approach demonstrates management’s commitment to achieving the goals.
2. Management understands the need for improved performance and understands they do not have the experience to implement what is required.
3. There is actually a third reason and that is where a business is in a crises situation and turnaround business consulting procedures need to be implemented fast. Nobody likes that situation, even the consultant. However, many companies can be salvaged with the right action. Think of the what goes into action when a person has a heart attack. Timing and action are the differences between life and death.

Be Well and Prosper,
Steve Pohlit
Business Development Consulting

Steve Pohlit has more than 20 years experience running very large and medium sized companies. Steve consults with clients to design and implement processes that will deliver improved business performance for the long term. Learn more about the process of Increasing Profits by 30% or More In 90 Days or Less by visiting 10 Minute MBA or you can call 727-587-7871 and speak with Steve directly. Have a question? Click Here To Visit Ask The Consultant

The Exact Steps To Increasing Profits In A Challenging Economy

There is a very important fact to understand that applies to every business…”nothing stays the same”. The current business environment in the United State is one where the real estate market in general is one with declining property values, the value of the dollar is declining, and revenue for many companies is under pressure.

So!!!

Companies struggle because they continue to do the same things while everything around them is constantly changing. Every business, in theory, has a primary goal of increasing revenue and profits. The process of achieving that goal is no different in an economy that is experience major challenges in key sectors than in one that is vibrant. The introductory lessons in my 10 Minute MBA Program gives away the roadmap.

There are a huge number of examples of companies thriving and failing in both strong economies as well as weak ones. The only thing that matters for your business is what is happening in your business in relationship to the clearly defined performance gaols you have set. You have clearly defined business performance goals correct? These goals are in alignment with your own personal mission and lifestyle goals correct?

I am injecting the point about personal mission and lifestyle goals since I realized one of the key differences between many business successes and failures is the passion of the company’s leadership for the business and there is a direct link between the level of passion and the individual’s view of how the business contributes to the achievement of their personal mission.

For the record this goes way beyond achieving personal income objectives and includes: how much you really enjoy the business model; is your position one where you know you are using and developing the talents and skills you are passionate about and does your position fit in with how you want to develop the family, friends and community relationships that are important to you? I am now very focused personally and with clients on addressing the total picture of satisfaction and not just the business goals. Join the growing Prosperity Tip List that is FREE and you will be surprised at what this material will do for you personally.

Here is an example of a common situation that I have found in business. Business leadership will say, when the profits improve or when the cash flow improves or when this acquisition is done, or we fill this open position, or etc. then I will spend more time with my family or fishing or restoring my favorite antique or …well you get the idea. I submit to you the personal activity, whatever it is, never happens for those people even when those business milestones are achieved. If you are spending a lot of time with your professional mission, I hope you really love it. If you do not and you are frustrated because you are not spending time with your family, if you are not exercising like you should, if you are not enjoying your home, your car, your boat or your fishing pole then there is no way you will optimize the performance of your business. The negative personal energy will transmit throughout your organization and you will not consistently optimize your performance. If you have lifestyle issues, they need to be addressed. How do you think I know that?

Back to delivering what I promised with the headline of this article:

The Exact Steps To Increasing Profits In A Challenging Economy:

1. Set clear clear measurable performance goals for the next 12 months. For example: Revenue and profit goal is an increase of 30%.
2. Understand and instill in the culture that performance goals for the next 12 months are achieved by what happens today. All parts of your business need to be in sync with achieving the goals for the company. As and example what do sales need to be this week and this month to hit the 30% growth goal? What does gross margin need to be and with what expense structure for the 30% growth in profit goal to be achieved?
3. Each function within the business must have clearly defined performance goals and defined accountability for achieving those goals.
4. An objective performance monitoring process must be in place to identify quickly any areas of unusually positive as well as shortfalls in performance. For the revenue, gross margin and expense driver areas of the company this usually means a formal weekly meeting along with informal daily monitoring. There are exceptions and one is where there is a cash crunch situation. Cash flow is then monitored very closely daily.

There are two reasons why companies ask me for assistance:
1. They know what to do but want an independent third party experienced business development consultant to drive the process as that approach demonstrates management’s commitment to achieving the goals.
2. Management understands the need for improved performance and understands they do not have the experience to implement what is required.
3. There is actually a third reason and that is where a business is in a crises situation and turnaround business consulting procedures need to be implemented fast. Nobody likes that situation, even the consultant. However, many companies can be salvaged with the right action. Think of the what goes into action when a person has a heart attack. Timing and action are the differences between life and death.

Be Well and Prosper,
Steve Pohlit
Business Development Consulting

Steve Pohlit has more than 20 years experience running very large and medium sized companies. Steve consults with clients to design and implement processes that will deliver improved business performance for the long term. Learn more about the process of Increasing Profits by 30% or More In 90 Days or Less by visiting 10 Minute MBA or you can call 727-587-7871 and speak with Steve directly. Have a question? Click Here To Visit Ask The Consultant