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Dave Ramsey Says... qShould a new small business that’s still growing seek out investors? AI would not advise a small business to seek out investors—period. My advice is to grow small businesses with organic cash, meaning you earn the money with which you’ll grow. It may mean you grow slower, and it might mean you turn down some “big deals” you thought were going to be the biggest and best things of your life. You know what? That’s okay. I’ve turned down deals like that over the years, and I’m firmly convinced it’s better to be the tortoise than the hare. When you sell a piece of your ownership to people who are looking for a return instead of caring about your dream, you’re creating the potential for a serious mess. A lot of times they’ll seem like silent partners, which I think is an oxymoron in small business. Most of these people can’t keep silent because they’ve put money into your deal. They’re all going to have different ideas and opinions, and there’s a good chance these are going to clash with the vision you have for your company. W y t c f G Cash flow your growth.Cash flow your equipment purchases and the markets you enter, also. Does this mean you might miss an opportunity? Sure, it does. It also means you’ll be missing opportunities to fail. Too much success too soon is the second biggest reason small businesses shut down. When you grow too quickly, you run the risk of outgrowing your human resources, your financial resources and your infrastructure. Do what you can to ensure that growth is steady, but play it smart. Don’t grow so fast that you crack the foundation of the company! ABOUT DAVE Dave Ramsey is America’s trusted voice on money and business. He’s authored four New York Times best-selling books: Financial Peace, More Than Enough, The Total Money Makeover and EntreLeadership. The Dave Ramsey Show is <strong>heard</strong> by more than 6 million listeners each week on more than 500 radio stations. Follow Dave on Twitter at @DaveRamsey and on the web at daveramsey.com S o A A 8 onthetown onthetowntexas.com G G OTT Texas Sept Oct FINAL.indd 8 10/10/2013 12:55:49 PM
uilding your financial future We take a detailed look at your total financial picture, and start by assessing your current assets and both your short- and long-term financial goals. We take the time to truly understand your objectives, risk tolerance, time horizons, challenges and personal schedule to help you build a practical and sustainable financial strategy to address: • Tactical Asset Allocation • Cash Management • College Funding • Estate Planning Strategies • Long-Term Care Insurance • Life Insurance • Retirement Planning Guidance you can trust starts with a conversation. Joseph Hensley Financial Professional Joseph.Hensley@axa-advisors.com Tel: (832) 616-5221 Cell: (281) 744-0223 AXA Advisors, LLC 1330 Lake Robbins Dr #210 The Woodlands, TX 77380 Securities offered through AXA Advisors, LLC (NY, NY 212-554-1234), member FINRA, SIPC. Annuity and Insurance products offered through AXA Network, LLC, which does business in CA as AXA Network Insurance Agency of California, LLC, in UT as AXA Network Insurance Agency of Utah, LLC, in TX as AXA Network Insurance Agency of Texas, Inc., and in PR as AXA Advisors and AXA Network, do not provide tax or legal advice. GE-80077 (8/12) (Exp. 8/14) G30111 OTT Texas Sept Oct FINAL.indd 9 10/10/2013 12:55:50 PM
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