merchandiseMay 13, 2010A merchant I know of applied to one of the leading banks for a higher line of credit.
The owners were hoping to take advantage of purchasing inventory at a reduced rate through greater volume commitments. The retailer brought along his latest financials as evidence of his trustworthiness and merchandising ability.
The statements showed that the company had grown from a modest beginning to a very favorable net worth. The bank was very much impressed, but was disturbed that the company was unable to meet its current bills on time. So the bank decided to investigate the facts behind the figures before taking further action. They found that the owners operated attractive, well-located stores. The merchandise was skillfully displayed with seemingly good acceptance. Floor traffic was ample and the sales volume seemed satisfactory.
Our fellow creations need helpMay 13, 2010Dear Readers,
I am writing this to you today with a heavy heart. The Time Is Now To Help is in desperate need of funds to help the many poverty stricken fellow creations that have turned to us in their desperation. Together we have eased the pains of poverty. When we found our neighbors living in darkness and cold, we provided utility assistance to bring warmth and light. For many, together we have removed the most desperate fear of homelessness by providing shelter. When we have found people living without food and the most basic needs, we have provided these as well.
We research every request to be sure your donation is being used to provide relief to people with genuine needs. We review budgets and lifestyles, and guidance for a long term plan. Together, we provide the daily necessities to survive these very tough times in our beloved United States of America. The following letters are just a few of the many I have waiting for our helping hand. I have had to read some of the most heart wrenching life stories from our neighbors in need, reaching out to us for help. Please help me help them. I usually like to conclude my column with a happy ending of resolution to a life of struggle. These are just a few of the many people waiting for our assistance, that will not have a happy ending until we offer them the caring and sharing they need. Please help.
Recent Community Living
The Time is Now to HelpSon wants help for motherMay 06, 2010Dear W.C.,I am writing to ask for help for my mother. She has been a hard working woman her whole life. She is 78 years old and she struggles with arthritis and diabetes but still works 30 hours a week. She has always been the kind of woman to care for others in need. She lives on her own in the same mobile home she has lived in for the last 30 years. My father passed away 15 years ago. He always took care of all the maintenance and kept the mobile home up. Now it is a mess. The appliances donít work. The roof leaks everywhere. Her utility bills are so high because there are leaks everywhere and her furnace is so old. I wish I could help her myself but I am disabled, wheelchair bound, and have been out of work for the past year. My disability doesnít even cover my own expenses. I would love for her to live with me but I am living in a one bedroom apartment. My grown daughter is living with me since she doesnít earn enough at her job to get by on her own. Living together we can just pay our bills. I gave her the bedroom and I sleep on the couch. My mom still drives but her car is in need of some serious repairs. I have tried to talk her into moving into one of those senior apartments but she wants to stay where she lived so happily with my father. Maybe you can convince her it is time to move on.
Helping businesses find successApril 29, 2010In the previous column, I discussed the need to engineer the menu for success by establishing food cost standards.The need to identify and control ďprofit leaksĒ that result from waste, shrink and theft were also discussed. I touched upon the role cost absorption plays in pricing entree and that instead of focusing primarily on revenue, that you change the mindset to percentile analysis.If you want to net 15 cents, you only have 85 cents to spend on your direct labor, fixed expenses, food, beer, wine and liquor costs. Controlling the latter will be this columnís focus.
The Time is Now to HelpRaising children alone after leaving abuseApril 29, 2010Dear W.C.,I am a mother raising four children on my own. I left my husband of 10 years several months ago to escape his constant verbal and physical abuse. I had to leave with only the clothes on our back to not raise any suspicion. When we first married he was a kind, loving husband. Even after our third child he still was a good father and supportive husband. Then during my last pregnancy I had many health problems. He had recently lost his job due to the recession and our health insurance ended with it. My husband became an angry, mean man over the next several months. It was as if his whole identity was tied to his job. When he couldnít get another job he began to take it out on me. He would yell at the children and me for no reason.
LENDING A HELPING HANDEngineering your
restaurant for successApril 22, 2010Most restaurant owners focus on strategies to increase revenues. Ultra successful facilities combine increased sales with effective cost control systems.If it costs you $1.05 to make a $1, you can increase sales all you want, and not show the profit that you desire. Visualize a cylinder of water with 500 gallons of water. At the bottom of the cylinder are a series of small holes ó high food costs, liquor, beer, direct labor (hourly employees) and no plan to effectively absorb overhead or fixed expenses (rent, ulilities, salaried employees, etc.)
The Time is Now to HelpSummer Foundation matching grantApril 15, 2010Thank you to everyone that contributed to our Summertime Foundation $10,000 Matching Grant. You helped provide $20,000 in much needed assistance to single moms, senior citizens, children, and people struggling with life threatening illnesses.Thank you again for Caring & Sharing. Together we make our communities a better place to live.This is how we helped:
The Time is Now to HelpIllness breaking family, heartsApril 08, 2010Dear W.C., My husband has been out of work since the beginning of last year. His job provided us with our health insurance also. I work long hours as a waitress but do not have any benefits. Our teenage daughter became ill last spring, after our insurance lapsed. We were shocked and heartbroken to find out she had cancer.
Disability check not enoughApril 01, 2010Dear W.C., I am struggling to get by on disability. My parents passed away years ago and I have no other family to ask for help. I need to move to a more economical location. I am behind in my utilities. I do not have the money to bring the utilities up to date or I cannot open a new utility account. Thank you for considering my request.
Hoping to helpSmall businesses face unique
daily challengesMarch 25, 2010As a child, my parents would bring us to the Lake Geneva area for vacations. I am now a semi-retired senior executive analyst, who has worked with more than 1,800 small businesses during my 30-year career. Iíve worked with retailers, wholesalers, manufacturers, job shops, contractors, and restaurants and even a catfish farm in Texas. It was recently suggested to me by some local small business owners in Lake Geneva that I share my experience, and provide a format for the challenges small business owners face on a daily basis. Here is what I know about small business owners:- The majority work longer hours than their employees.
The Time is Now to HelpFrom almost homeless to happyMarch 25, 2010Dear W.C., I am a widowed senior citizen about to become homeless. I have struggled to keep up with my bills ever since my husband passed away several years ago. My niece and her husband lost their home last fall so I let them move into my one bedroom apartment to help pay the rent. We were getting by fine even though we were somewhat cramped. The landlord found out about the extra people living in my apartment and made them move out. This really hurt me since they not only helped with the rent, they drove me to my doctorís appointments, church, and helped with laundry and cleaning. Now I canít keep up with my rent and medications. I liked the company they gave and miss them here with me. Can you please help me out of this situation?
The Time is Now to HelpAccident makes life difficultMarch 18, 2010Dear W.C., I am currently caring for my sisterís three children after she was involved in a serious auto accident. She was hit by an uninsured driver and suffered many injuries that she will have a very long recuperation from. She is a single mother and was struggling to make ends meet before this happened. I also am a single mom and have two children of my own so this has really put a large strain on my finances as well. I have been unable to purchase diapers for my sisterís infant. I am struggling to put food on the table for the children, ages three through nine. My car is also in very bad shape and I need it to get to my job and also to visit my sister with the children at the hospital. It has been so hard to keep up with everything. You are my last hope.