Posts Tagged ‘Business’

They had stars in their Eyes

Friday, December 12th, 2008

When I first met them 3 years ago, they had stars in their eyes. Yesterday I saw desperation. That sounds very dramatic, unfortunately it is absolutely true and tells a story of one of my favourite clients.

And from his experience we must learn a few lessons.

Franchising is very an interesting concept. The franchisor sells the risk, but keeps the income. The franchisee runs the risk and does the work. If you ever buy a franchise, be very sure that the franchisor knows what he is doing. Too many franchisors fly by the seat of their pants. They allow franchisees to open stores without any scientific idea if the location is viable or not. And then, eventually, you see one owner after the other disappear, normal thoroughly disillusioned and financially broken. And the franchisor will be the first to tell you that you are a bad businessperson. You have read the Donald Trump Quotes, so you will know that walking away is always an option. So that is lesson 1: Because somebody is selling franchises does not mean that he knows anything. He probably is just experimenting at your cost!

Beware of landlords and promises. If somebody promises ANYTHING get it in writing – or walk away. If somebody promises to open a shop at a filling station, get it in writing. If a landlord says he is starting phase 3 May next year, get it in writing. If he says he starts a hotel in August next year, you know what to do. And then get an agreement as to your rent should he NOT do it. And if he is not prepared to put it in writing? Well then you know whom you are dealing with and you always have that option, until you sign it away! You can walk away. That is lesson 2: beware of promises by landlords and franchisors.

Lease contracts and franchise contracts are surely one-sided affairs. You end up with a lot of obligations and responsibilities and curses for not following rules. And what do you get in return? The right to use somebody else’s name and systems. Be sure that there you contractually have more rights than that and that you can enforce it. But above all, be sure that the franchisor has a track history of success. Speak to other franchisees, as many as possible. Try to get hold of franchisees who have sold, for different reasons. That is lesson 3: confirm everything with people already in the system.

Lesson 4 is simple: Beware of the stars in your eyes. When you buy any business that is in financial trouble, it is very easy to say the previous owner is stupid, can’t work with money, can’t market and sell, did not maintain stock levels, is a bad businessperson. But you are all of those things. You may be right, but be very sure that you don’t see darkness for light through the stars in your eyes.

When you buy a business, be sure you control the important things – like selling. For instance: you buy a distribution franchise to distribute advertising leaflets. You don’t negotiate the contracts, it is done on a national corporate level. If the company does bad selling, where does it leave your business? I will tell you: with the same overheads but much less turnover. Who will go bankrupt? That is a no-brainer, isn’t it? That is lesson 5: Be in control of the source of business, so that you can succeed without head office.

I guess the bottom line is, always consider the downside, look at what can go wrong and if you can handle it and decide how you will handle it. And keep your options open.

This post can make a huge difference to your life and keep you out of financial hell. Study it carefully.

BIGGER is BETTER, you know!

Monday, September 22nd, 2008

Not too long ago I said that when investing in property, bigger is not necessarily better.  But when we talk motorbikes and business, bigger is better.  I am not going to say anymore on bikes.

 

So often I hear people say:  “I just want a small business.”  And I say to myself:  “You just want trouble!”  I will tell you why.

 

  1. One hour is 60 minutes, whether you get paid R100 or R1000.  The only difference is, that if you have to work 7 days per week at R100 per hour, you will soon resent it.  And there is not enough money to hire somebody to help you.  Or put in other words:  you don’t have enough money to buy some free time.
  2. A small business does not have the cashflow to pull you out of trouble.  It is like this:  You have a business with a net profit of R5 000 per month and you pay that to yourself as a salary (bad idea).  But your personal expenses are R5 000 per month, so you don’t have a choice.  Then the weather changes and suddenly your turnover is less and therefore the net profit.  Or a piece of equipment breaks.  Or you have to buy more stock for a huge special promotion.  A small business just cannot carry the extra burden.  But imagine a bigger business where you had a net profit of R5 000 after your salary, in other words, a real net profit.  You can take a lot of bad things.
  3. A big business has a much bigger margin for error – turnover has to drop substantially before it affects the finances.
  4. A big business can handle variances much better.
  5. All in all, a small business is riskier than a big business.  The same is true for motorbikes! 

Now I can almost hear some of you saying:  “But I can only afford so much!”  Believe me. I have a lot of sympathy.  But also believe me on this:  if you buy a small business, it will eat all you have and then some more.  And you will not even be able to afford anything else.  

 

Property?  Bigger is not better.  Business?  BIGGER is BETTER!