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How The Rich and Powerful are Forcing You to be Fat -

Goodness gracious. Be dead sure that your quest would go ahead of this point. Bask in reading beyond as specific significant intrinsic details would follow.

Lonely - Dead Broke and Depressed!

By Mr. X

www.TheUltimateSuccessSecrets.com

Because the author of this article is exposing the Secret

Systems utilized by some extremely powerful people who are

stealing your money, keeping you overweight, lonely, sad,

angry and frustrated

And because the author has already received threats from

some of those very same powerful people

We are now doing everything we can to protect the author s

true identity.

All in order to at least give you a glimpse as to what is

being done to you methodically, systematically, and worst

of all, intentionally!

If you have ever tried to make some serious money, lose

weight, have the sex life of your dreams, and achieve your

deepest - most cherished desires and things did not work

out, don t worry because there s something you should know

once and for all

IT IS NOT YOUR FAULT!

That s right it s not your fault for being:

- Dead Broke

- Overweight

- Sad

- Angry

- Lonely

- And Frustrated that you seem to never get ahead, because

You re just another victim of these secret systems!

In almost every area, no matter what the endeavor,

approximately 97% of all the folks who try that endeavor

WILL fail.

- That s 97% of all the folks who try to succeed on the

Internet.

- 97% of all the folks who study courses and programs, from

alleviating anxiety to Personal Development to Real Estate.

- 97% of all the folks who try to lose weight.

- 97% of all the folks who try to succeed with a Network

Marketing or MLM venture.

In almost every endeavor, approximately 97% of everyone who

tries will not succeed.

However, it is virtually impossible for 97% of us out there

to be failures!

That kind of consistent failure rate among humans is simply

not possible, unless those people are secretly -

intentionally, being FORCED to fail.

Here s some more info for you:

Did you know for example, that the average person living in

the United States of America will make between 2 and 5

Million dollars during the course of their lifetime?

That s 2 to 5 Million dollars earned by almost every

working adult!

However, 97 out of every 100 of those very same people,

after working their entire life - 40, 45, even 50 years or

more, and after earning between 2 to 5 million dollars,

will be flat broke at retirement!

And all these folks will then be forced to depend on help

from their children, support from the government, and

assistance from other charitable organizations just to get

by

- That s 97% of everyone who has worked their entire adult

life.

- 97% of all the folks who ve earned several million

dollars.

- 97% of your friends, neighbors and your co-workers.

- And that means YOU have a 97% chance of being dead broke

after working your whole life!

So if you happen to be lucky enough not to be sad, angry,

lonely, depressed during your working lifetime, there s a

great chance that you will be when you go to retire…

But Why?

You earned all that money, millions in fact!

And you didn t spend anywhere near that amount.

You didn t splurge on extravagant things, like Yachts and

Lamborghinis.

You didn t gamble it away.

You didn t give it all away to your children, or to

charity.

So where is it where did it go?

The most simple and direct answer is this

Your money is literally stolen away from you, by a very

small group of very powerful people, who use a combination

of secret systems that:

a) Have already been put into effect before you were even

born

b) That are intentionally designed to keep you from really

breaking through to true success, freedom and happiness in

your life.

There s something else you should know right now:

The reason for this 97% failure rate is not human nature.

It is not because:

- You re not good enough

- You re not experienced enough

- You re not young or old enough

- You re not talented, skilled or smart enough.

It s none of that. And don t let anyone ever try to

convince you that it is, ever again!

Let me share just two simple examples:

Example One:

It is estimated that every man, woman and child in the

United States, during

the course of their lifetime is virtually robbed of

approximately $125,000 by the very banks that those men,

women and children ENTRUST with their hard earned cash for

safe keeping.

This money is taken by the banks, by using a series of

false and erroneous charges and hidden fees.

Even the Washington Post and The Wall Street Journal ,

reported that 75% of all banks were systematically and

inappropriately applying mortgage payments from home

owners, in order to create greater revenues from false

interest charges applied to their loans!

Recently, a 23 year old woman forced her bank to return

over $8000.00 in erroneous fees charged to her credit card

that she uncovered after using some of the techniques she

learned from Mr. X.

Example Two:

Bank and Credit card companies as a matter of practice

use YOUR signature, without your permission, or your

knowledge, to get millions of dollars each day for

themselves. But, do they share those millions with you?

NO WAY!

Do they even share with you, on how you can do it for

yourself?

Not in your lifetime!

And they didn t share it with your parents, and they won t

share it with your children either.

These are just two brief and simplified examples. However,

these secret systems are much more insidious, and touch

virtually every aspect of our lives!

So how can any of us ever expect to break free of these

secret systems and the super-powerful people who use them

to control our lives?

Well, just by reading this article, just by becoming aware

that you and your loved ones are systematically being

targeted - you have now become just a bit savvier and are

more informed as to exactly what is being done

intentionally to keep you down!

Make a commitment to protect yourself and all your loved

ones, by learning all you can on how these Secret Systems

work, and how you can avoid their traps.

You are now on a new road of awareness.

You no longer have to waste your precious time blaming

Well. Be certain that your efficient insight would go further this point. Your longing for facts would get quenched in the consequent lines.

yourself - like they want you to - in an attempt to mislead

you even further, because it is NOT and never was your

fault. Remember, to be fully informed is to be fully armed.

About the author:

———————————————————–

Mr. X will be conducting a full day, in-depth seminar April

9th, 2005, where he will fully expose the many levels of

these secret systems, and will provide real life solutions

to overcome them. To learn more, simply go to:

http://www.TheUltimateSuccessSecrets.com

———————————————————–

Copyright TheUltimateSuccessSecrets.com This article may

be freely distributed as long as the full article remains

in tact, including this notice.

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It gave contentment to those who were on the lookout of Denver real estate. It was unproductive for few people.

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About the Author

Mr. X will be conducting a full day, in-depth seminar April 9th, 2005, where he will fully expose the many levels of these secret systems, and will provide real life solutions to overcome them. To learn more, simply go to: http://www.TheUltimateSuccessSecrets.com

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Many smaller body shop owners have asked, How do I appraise my body shop? In the last month I have been asked to do two appraisals on body shops. The first appraisal was to assist in partnership dissolution; the second appraisal was for marriage dissolution. (That is what the attorneys call a divorce.) Would you like to know how to appraise the value of a body shop business?

Before we begin, I would like to make one comment. Whenever a CPA has done an appraisal of a body shop, I find that their opinion of value is much greater than the actual value the market place will pay. This is not because the CPA s do not know what they are doing because they do; it is just that the market place places a much higher risk on buying a body shop than the accountants do. The following is an excerpt from one of those appraisals.

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THE THREE WAYS TO APPRAISE A BUSINESS

1. The ASSET VALUATION METHOD. This method is basically used when a body shop does less than $400,000 a year in gross income and the seller is making wages, but no real profit above what he would be paid if working for another. On this size business, a buyer is willing to pay for the assets of the business but little or nothing for goodwill. The equipment is usually worth between $50,000 and $100,000, depending on how many frame machines the business owns and how nice a spray booth the business owns.

I have seen some specialized shops sell for more than the above number because they have a truck spray booth or another business attached to the main business. Examples of attached business might be an auto repair shop or towing operation. Also the location, size and real estate rental amount will influence the value of any business, to some degree.

2. The second method, I call the GROSS SALES METHOD. This is used when the sales are over $1,000,000 a year but the profit is unknown or financials are not available or reliable. Because of experience, a Body shop buyer can make reasonable estimates of future profits, if they have some basic information. The basic information includes rent, source of business (DRP, STREET, or a CAR RENTAL AGENCY), and the desirability of the location.

When this method is used, the value appears to be about 3 months sales or 25% of the last 12 months sales. This method is not very reliable on businesses with sales of less than $1,000,000, because the question of being profitable is very questionable. Why is this breaking point $1,000,000 in annual sales? Multi-store buyers will have well paid managers, so many figure their breakeven point is around a million.

Less than $1,000,000 in sales is not even worth their time. Of course we know that there are exceptions to the rules. Some of the exceptions are A. when a new location will be a satellite store to a bigger location. B. The buyer must have a location in a specific area to please a DRP. C. To get rid of a competitor.

3. The third and most used method of evaluating any business, including body shops, is the NET PROFIT METHOD. This method is based on the idea that a business is worth what it generates, in profit and benefits, for an owner. Body shops, like so many other small businesses, often do not show a profit, at the end of the year. Strange, how so many businesses of different sizes all just happen to end up with little or no profit. What I find really amazing is that the IRS doesn t audit more businesses then they currently do.

As a result of showing poor profits, on the books, it becomes very difficult to use the NET PROFIT METHOD for appraising many small businesses. Luckily for me, I can quite often find hidden profits, of a business, by adding to the books, items we call owner s benefits. These include: Owners salaries, if a corporation. Personal autos and all the related expenses used by the owner and his family that are written off against the business, fife insurance and health insurance for the owners.

Depreciation is also a hidden profit that is usually added back in to the taxable profit to help build up the total owners benefits. And lastly, personal utilities, phones, trips, etc. that are deducted on the tax return but are not really costs to run the business.

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After saying all this, what is the value of a business based on the Net Profit Method? Automotive businesses, especially auto body shops appear to sell for between 1.5 to 2 years adjusted profit (book profit plus owners benefits added back in). Larger body shops doing over $2,000,000 in annual sales may sell for much more, because the owner is making much more money, than just his salary and a buyer will consider part of the profit a return on his financial investment.

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Very large body shops that are being bought by public corporations are evaluated primarily on their return on investment (Percentage profit that is being made on the cash purchase price of the business.) These big buyers can afford to pay between 5 times and 10 times annual net profit, after deducting all officers salaries and perks.

Often these, public corporations, high purchase prices include two important restrictions, which is really why they are buying the business in the first place. First: The business is bought for little or no real money. They use restricted corporate stock that is not negotiable for two years. And second: The management is required to stay and run the company for some period of years.

The bottom-line, as I see it, is that you sold your soul, not your business. One last comment on selling to large corporations; heaven help the seller who sells his business for corporate stock or the buyers bonds and the buying company goes broke or the stock market crashes. I had a close friend sell his company for mostly cash and some seller carry back financing in Dec 1997. By Feb 1998 the buying company was in bankruptcy, making the paper my friend held worthless.

CONCLUSION: Appraising a business, especially body shops, is an art not a science. No two people will appraise the value of a business the same. I am amazed that the same thing one buyer thinks is a great asset is what another buyer thinks is a major negative. Differences of opinion are what make life interesting.

About the Author

Willard Michlin is an Investor, Business Broker, California Real Estate Broker, Accountant, Financial Distress Consultant, Well known Public speaker and Administrative/Business Consultant. He can be contacted at his Ventura, California office by calling 805-529-9854 or by e-mail at kismetrei@earthlink.net. See other article by Willard at http://www.kismetgroup.com

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