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America is in the midst of a leadership crisis.

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The daily news bombards us with stories about major corporations failing, government spending spinning out of control, and political and corporate leaders marching off to jail.

Interestingly, this leadership vacuum exists only at the higher levels of government and industry. It doesn’t exist in small and mid-size businesses.

I know that’s a fact because the owners, CEOs, and senior executives of these businesses tell me so. For over forty years I’ve worked as a manager, coach, and consultant with hundreds of executives. Not one has ever said to me, “This company is not doing as well as it should because of my lack of leadership skills.”

Who’s to blame for their company’s problems? It’s they. Over and over again I’m told, “They don’t care; they didn’t do it right; they don’t get it.”

I’ve never understood why these executives don’t just fire “they” and hire somebody else. Come to think of it, I bet many of them have tried that, but somehow they keeps sneaking back on the payroll.

Take an objective look at your leadership skills.

Of course, the above paragraphs are meant to be tongue-in-cheek humor. It’s just my way of saying that our natural tendency is to blame others. But as a leader in business, you must objectively assess your own leadership skills.

All companies have problems. In order to solve your company’s problems, you’ll need to understand and change the leadership style that got you into trouble in the first place. Start by looking for areas where you personally can improve. Until you change, not much else will. Before you can lead others effectively, you must first be able to lead yourself.

Over the course of my career, I have known literally hundreds of executives. I can’t think of one of them, myself included, who could not benefit from some level of on-going leadership evaluation, coaching, and development.

Yet many executives, especially owners and CEOs of small businesses, find it hard to acknowledge that they have room for growth. They’re reluctant to ask a coach or someone else for help. And because they’re top dog in their company, they do only what they want to do rather than what they need to do.

Take an honest look inside your organization. How many of these issues are present?

  • Excessive meetings with no agenda and no results
  • Consensus-driven decision making (CYA for all us older folks)
  • Lack of personal accountability
  • Poor communication between entities
  • Reluctance to terminate poor performers
  • Misaligned and uncoordinated efforts (silo effect)
  • Personality conflicts and power struggles
  • Apathetic and unmotivated employees
  • Inconsistent results
  • Poor time management
  • Reactive rather than proactive effort
  • Micro-management
  • Declining sales and / or market share
  • Lack of teamwork
  • Duplication of effort
  • High employee turnover
  • Substandard quality
  • Numerous unresolved issues and postponed decisions

You may not want to acknowledge this, but to some degree all of these issues can be attributed to ineffective leadership.

Lead by example.

Your commitment to excellence, integrity, fairness, and open communication will be visible to people in your company. It will inspire them to rise to the performance level you exhibit.

Notice that I didn’t say “to the performance level you expect.” Expectations are mere words. When people respond to expectations, it’s often out of a sense of duty, a desire to please, or the fear of punishment.

Leadership, on the other hand, entails action. When you act as a leader, people will want to follow you to be where the action is. Your example will motivate them to grow and achieve.

Once you’ve developed your plan and communicated your vision, there will be a short honeymoon period. But soon people will be looking to you for results. Will there be real change, or will it be back to business as usual?

Simply wanting your vision to be realized doesn’t work. You need to take the lead and make it happen. When you walk the talk, people will follow. Develop a vision you believe in. Live it, breath it, take responsibility for it, and generate enthusiasm for it. People will respond.

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Improved leadership processes required for strategy execution !

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As the owner, CEO or senior executive of a business, you share many things in common with the coaches of professional sports teams. Can you imagine the head coach of a team – say in the National Football League – going into a game without a game plan? Of course not! That coach would soon be out of work. Coaches literally spend hundreds hours preparing for a 60-minute event.

A good coach not only develops and documents a strategy to win; he makes sure it’s understood by every player on the team. Every successful coach knows that a plan is essential for success.

But every successful coach also knows that a plan alone is not sufficient for success. The best plan in the world is useless if it’s not implemented. When the whistle blows to start the game, the players can’t simply stand on the sidelines and talk about what a great plan they have. They must take the field and play to win.

A coach that doesn’t learn from failures and make adjustments so that his team consistently wins soon finds out what the letters NFL really mean: Not For Long.
Why should you view your business as any different?

Your role as an executive is to execute!

It never ceases to amaze me – I’ll work with a company for weeks to develop a comprehensive strategic plan, and then nothing! Nada! It’s as if management says, “OK, now that we’ve finished the plan, we can check that off our list and get back to business as usual.”

They know they have issues that need to be changed. They pay good money to hire outside assistance to facilitate a planning process. They complete their plan. Then they proceed to ignore it!

Why? Is it fear of change? Fear of making a mistake? Fear of confronting people? A lack of confidence in themselves and/or their staff? Probably it’s a mixture of some or all of these.

For most executives, implementation is harder than planning. It takes determination and courage to actually do what you say you want to do. Implementation requires commitment, accountability, and change. That’s where the majority of companies fail.

Bold actions require bold leadership.

The absence of a decision is a de facto decision. That goes for all aspects of business planning and execution – from acknowledging problems to resolving them.

Tolerating poor personal performance from a staff member is choosing mediocrity. It lowers the bar for the entire staff.

Failing to take action about substandard quality is a decision about quality. It sends a message about core values to everyone in the organization.

It’s wise to gather the facts before making decisions. But postponing action “until there’s a better time” or “until there’s more data” is too often a cover-up for plain old fear to act.

Want to diminish focus and credibility in your organization? Here’s a sure-fire way: Develop a plan, communicate it to your people, and then fail to execute it.

When you fail to act on your plans, you undermine motivation, enthusiasm, pride, respect, commitment, and productivity. Yet 90 percent of American companies do just that, as shown by the chart below.

change management, leadership, strategy

Paul R. Niven, The Balanced Scorecard (New Jersey: John Wiley & Sons, 2006).

Talk about an alarming statistic! If only 10 percent of American companies take the necessary actions to implement their plans, no wonder we’re losing our edge.

Many executives confuse busyness with effectiveness. They think they’re accomplishing a lot when people come to them all day long with questions and problems. It makes them feel important. They like being the center of the storm.

But executives who react instead of act accomplish little. They don’t produce progress because they’re concentrating on the minutia and ignoring the momentous. They’re playing around instead of playing to win.

But remember that your employees are watching your actions. They’ll respond to your leadership based on how you execute your plan.

To help you maintain your focus on decisive action, here are four principles for you to periodically review:

  • If the status quo isn’t working, change it.
  • If you don’t make a decision, you’re making a decision.
  • If you don’t like making tough decisions, you’re not alone. But winners do it anyway.
  • If you want to exercise real leadership, you must act.

You have to “walk the talk” every single day to attain excellence in any organization. You must take the field and play to win!

Action without vision is a nightmare. Vision without action is a daydream.

Japanese proverb

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Will economic recovery create jobs for small business?

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I read in this morning’s paper that economic recovery is going to be slow, but it didn’t give many specifics. I guess I am increasingly curious what the experts mean by economic recovery. Is it recovery to where we were in the 1970’s, the 80’s or two years ago? Define recovery!

I think the experts and the government are looking at short-term indicators and missing the big picture. A friend recently sent me a link to a youtube video that was both amazing and frightening. For those of you interested the link is youtube video.

I have no way to predict the future and have no way to validate some of the information contained in this video, but I believe the trends that it talks about are real and happening now. A few of the more interesting points highlighted are:

  • The 25% of India’s population with the highest IQ’s is greater than the total population of the United States.
  • The top 10 in demand jobs in 2010 didn’t exist in 2004.
  • The U.S. Department of Labor estimates today’s learner will have 10 to 14 jobs by age 38.

That information coupled with the fact that fewer U.S. students are graduating with math and science degrees makes me wonder if real economic recovery is possible.

As the chart shows we are last in this group in math science and engineering.

Jobs, change management

The chart from the International Education Report By Michael Hodg

The chart from the International Education Report By Michael Hodg

Overall the United States spent an average of $8,701 per student on elementary and secondary education in 2005, up 5 percent from $8,287 the previous year. We’re spending money but simply not keeping up.
Until we resolve some of the big picture issues real economic stability cannot happen. The government cannot create wealth and real jobs; the private sector has to do that. In order to do that business needs the brainpower to compete globally.

I am constantly talking to businesses about the need to anticipate and get ahead of change. Most are reluctant to do so. I read somewhere the “change occurs only when the pain to change is less than the pain of remaining where you are”.

I think, as a nation we are approaching that point and business needs to lead the reformation. If we are to see job creation and growth at acceptable rates we need to insure our education system is on the same page. Small business must take an active role in education reform

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Lack of a better sales process to blame for most business failures?

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We read about businesses failing every day in the newspaper. In the articles documenting the latest list there are always reasons given for the failure, the economy is usually the number one cause.

I’d like to offer a different and less popular opinion. In most cases I’ve seen the reason your business fails is you!

Sound harsh? My experience as a business coach has proven this to be correct.

A great example of this appeared recently in the Tupelo newspaper. An article appeared with a list of restaurants that failed in 2009. The reasons given by the owners were “poor timing and the economy”. Tupelo being a smaller city my wife and I had visited all three of the establishments named over the course of the year so I was in an excellent position to review the article. All three restaurants had three things in common, high prices, poor service and mediocre food.

One in particular, a sandwich shop, that stands out in my mind had an ordering process that involved standing in line to order, and then moving to another station and standing in line to repeat your order and pay for it. Total wait for an expensive and really poor take out sandwich was over 45 minutes. Now this particular shop was located in a strip mall that was exactly four doors down from a Mexican restaurant that is not only surviving it’s thriving. Apparently the economy issues haven’t moved that far down yet.

The point is it’s easy to assign blame but it the long run it really doesn’t matter who’s to blame, your business has failed and you are left with the consequences.

Small and mid-sized businesses are critical to the national economy. A newsletter from the Small Business Administration dated September 2008 provides the following interesting figures about U. S. small businesses. It says the firms with fewer than 500 employees –

  • Represent 99.7% of all firms with employees.
  • Employ about half of private sector employees.
  • Create between 60% and 80% of all new jobs during the last decade.
  • Generate more than half of non-farm gross domestic product.
  • Employ 40% of our nation’s scientists, engineers, and computer workers.

As important as these firms are to the overall economy all too often they are launched and operated without the resources needed to succeed.

I tell my clients to “find a need and sell the outcome”. Another way of saying it is find a customer base, determine their wants and needs and supply a cost effective solution. Many businesses start with the opposite strategy, develop a product and look for customers. Regardless of the movie line “if you build it, they won’t necessarily come”.

Most business failures occur for several reasons:

  • Lack of a clear plan / vision/ direction.
  • Lack of execution by management.
  • Insufficient capital, or due to lack of a plan wasting the capital they do have.
  • They don’t ask for help until it’s too late.
  • They don’t understand their markets, their customers, or their competition.

There are other reasons of course, but strong well-run companies are able to survive downturns, the economic swings weed out the weak and poorly conceived.

If you found this article helpful you may want to download our free whitepaper, "How to Recession Proof Your Business". 

Can the Stimulus really create jobs for small business?

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The headlines in this morning’s paper say the stimulus lacks validation. In other words there is no proof that the billions of dollars spent thus far are creating jobs. Is that a surprise to anyone?

The best explanation I’ve found on a stimulus package was on an anonymous website blog. It read as follows:

Can the government create real jobs really?
Let’s say you have five kids. Four have jobs, one doesn’t.
You feel bad the fifth doesn’t have a job, so you take 25% of the income from the four employed kids and “hire” the fifth kid to do shovel ready projects around the house.
Does the fifth kid really have a real job now? Is it self-sustaining? How long before the other four kids get tired of paying the fifth kid?
Of course it’s not a real job…
When our government makes temporary jobs to hire people for shovel ready jobs, jobs that are not self-sustaining, jobs that can only exist as long as people with real jobs are able to pay for these jobs out of their own pockets… these aren’t real jobs either.
To create jobs you must add value and create wealth. The money would be better spent on tax credits to encourage companies to invest in R&D, product development and expansion. If companies expand they create jobs and hire people. Those people get paychecks and create demand for new products and services, which in turn creates more jobs.
Depending on where you read it the stimulus package is somewhere around $780 billion dollars. And again depending on where you get your information it’s designed to “create” or save 6.5 million jobs. If my math is correct that’s about $120,000 per “job”. If the explanation above is correct, and I believe it is, we’re spending $120,000 for every non-sustaining job created by the government.
Does that say that each person hired to do highway work is being paid $120,000? Of course not, which makes the problem worse, the money isn’t going into the economy to create demand, it’s being absorbed in large part by government, which as we all know adds no value to the economy and creates no wealth.
The only way to create jobs is make more money available to the private sector to encourage innovation and develop new products and services. Even with the government’s ability to print money there is only a finite amount available. Every dollar spent by the government is a dollar that is taken from private enterprise.
To create a sound economy we absolutely must reduce the size and cost of government and invest in our future. The only way the stimulus package would make sense is if Obama reduced government spending by $780 Billion and made it available to private enterprise through bank loans, grants and more reasonable credit for sound companies. Small business creates jobs, if a proportionate amount of money was set aside in the form of credit access, job creation would be a reality.

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American’s job satisfaction falls to record low.

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According to an Associated Press article this morning only 45% of Americans are satisfied with their jobs. That’s the lowest level ever recorded and down from 49% in 2008.

The article said there were a variety of reasons:

  • Fewer workers found their jobs interesting
  • Incomes haven’t kept up with inflation
  • Health care costs have eaten into take home pay.

This is obviously a huge problem since job dissatisfaction has direct implications on things such as:

  • Productivity
  • Innovation
  • Product quality
  • Customer satisfaction
  • Costs in the form of scrap and rework.

I did some research after I read this article to see what the politicians and “experts” were saying as to the cause of this serious issue. There were few reasons cited except money, recognition, or advancement.

I think these things have always been an issue. Everyone wants more money, when they get it it’s a temporary fix. Recognition and advancement have always been in the forefront as well. The survey began in 1987 and at that time nearly 61% were happy with their jobs and I’d bet those three reasons were issues then also.

So what’s different between 1987 and 2008 that would cause a 16% drop in job satisfaction? That’s really the question to be answered.

I think it ties directly to leadership. I said in the preface of my book a few months ago that I think the biggest crisis facing America is the lack of leadership at all levels.

You can take that specifically to the jobsite or factory and look how it ties to employee dissatisfaction. In my role as a business coach I’ve personally seen things such as:

  • Employees feel helpless, many feel it doesn’t matter if they do a great job or a mediocre job, the pay / recognition is the same.
  • They have no control over their destiny. The economy, cost pressures etc. all affect them directly but the lower they are in the food chain the less they can control it.
  • Nobody listens to them, innovation and ideas are held back because nobody asks, or acts on them if they do get heard.
  • Poor performers are often kept in place of good performers because of seniority or friendships lowering employee incentive.
  • Management often gives conflicting direction with shifting priorities causing employees to be unclear of expectations.
  • Managers often don’t take the time to provide meaningful feedback, especially positive feedback.

Leaders must understand that employee satisfaction ties directly to their bottom line and invest time and money in employee development. Lack of leadership weakens and organization in many ways, the most obvious being:

  • Lack of innovation
  • Poor teamwork
  • Increased costs
  • Employee turnover

One thing I’ve heard often in the past few years during the economic downturn is “there are no jobs, there is nowhere for employees to go”. That’s only partially true, there may not be a lot of options for average employees to go but there is always somewhere for top employees to go, if not immediately at some point in the future.

Poor leadership often causes an organization to be comprised of average or below average employees due to better employees having options and moving on.

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Accountability is a function of leadership :

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I recently published a book entitled “Bottom Line Focus”. It’s subtitle is, “18 proven steps to take your company from surviving to thriving”. Wow, who wouldn’t want to do that right? I mean if you’re a business owner or CEO it’s a “no-brainer”. Heck if even half of the stuff in the book is of value it’s still a value.

What’s in it? Is it some type of new age magic formula?

The truth is the “gimmick” of my book is there is no gimmick. The things in the book work, but my 35 plus years of experience has proven that the majority of executives simply will not or cannot do the things that are necessary to succeed.

We are accustomed to having the “fast and easy” marketed to us, whether in the form of a pill, a new diet, or a new business concept.

I used to be amazed at the things I saw going on in companies, now I’ve come to expect it. Executives and managers are, all too frequently, waiting for something to happen to alleviate the necessity of taking action and being accountable for that action.

As I get more “mature”, meaning older, I am able to reflect on things based on experience and historical data. What works and what doesn’t. And what it comes down to is there is no silver bullet. Leaders must lead and be accountable if they expect those they are trying to lead to be accountable.

That brings us to the title, the A word, accountability.

I said in the preface of my book the real crisis in America today is a lack of leadership. Take that one step further and it’s also a lack of accountability. Not just in business but in all phases of life.

Depending on which poll you look at roughly 68% of Americans disapprove of the job congress is doing. Another poll states that 83% of Americans favor term limits for congress. I’d have to say these numbers represent a clear message, 1st we are unhappy with our congressional leaders, and 2nd we don’t want “career politicians”.

The accountability part comes in when we realize that only 35% of the adult population are regular voters and 20% are intermittent voters. If those numbers are correct 45% of us don’t bother at all.

If we really favor term limits we have the power to impose them at any time. We simply vote out any incumbent that is in his or her second term. No constitutional amendment, no legal battle, nothing we just use our power to vote our choice.

But we don’t. We will not accept the accountability for our dissatisfaction, we just complain about it.

The same is true in many of the businesses I am familiar with. The management team in many cases knows what to do, they just don’t do it. There are many reasons why they don’t execute, but the bottom line is they don’t. I can literally site hundreds of specific examples of this over nearly any industry.

 

Accountability starts and ends with senior management. If they hold themselves and others accountable and set the example it will not happen.

Until we accept the fact that everything in life is a decision, even the failure to make a decision, and we are accountable for our action, or inaction, we will not make significant progress in any aspect of our lives.

“A person may cause evil to others not only by his actions but by his inaction, and in either case he is justly accountable to them for injury.”?
John Stuart Mill

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Better Strategic Planning Starts With Your Vision for Your Company.

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What role does vision play in the development of your business plan? If you listen to Jack Welch it’s a big role.

“Good business leaders create a vision, articulate the vision, passionately own the vision, and relentlessly drive it to completion.”
Jack Welch

Many small business leaders are unfamiliar with the strategic planning process. Better strategic planning results start at the end. Where is it you want to go?

Step #1 in the planning process: Clarify and document your vision.

Where do you want to be in five years? What specifically will that look like? Write that down in as much detail as possible. If you are tempted to blow this off or think this is easy, you’ve probably never done it. It’s not as simple as it sounds.

Now ask yourself, what’s been holding you back? Why you aren’t already there? The answers to these questions can be enlightening. Maybe it’s because you’re confused or conflicted about what you really want. Or maybe something stands in your way that you haven’t had the awareness or courage to confront.

Don’t skimp on this phase of the planning process. If you’re unclear about your vision, your whole plan will be useless.

Taking time to understand your business, both as it is today and as you want it to be tomorrow, is not as simple as it sounds.

It helps to have a knowledgeable and objective outsider involved in the planning process. An outsider will challenge you to think creatively. You’ll be better able to see familiar situations in new ways. And it will be harder for people to get away with excuses and blame shifting.

Frankly, I think it’s a dangerous mistake for the CEO or some other senior executive from within the organization to try to facilitate this assessment exercise. All too often participating staff members try to say what they think that executive wants to hear. A “herd mentality” develops that stifles honesty and creativity.

But a competent facilitator won’t accept pat answers, clichés, and jargon. He or she will encourage innovative thinking and force participants to drill down to bedrock facts.

When I go into a company, I start by asking the key players to clearly describe in writing what they want their company to look like in five years. What businesses will they be in? What products and services will they be selling? How many employees and locations will they have?

Most business owners, CEOs, and other major stakeholders think they know the answers to these questions. That is, until they try to put them on paper. Typically they struggle for hours before they reach agreement on their direction and general goals.

This process almost always births useful insights and promising opportunities.

A strong vision is the foundation of any successful business.

Your vision gives you a point of reference for evaluating and planning all aspects of your business. You’ll make better and faster decisions when you evaluate every choice by asking, “Does this take me closer to or farther from the attainment of my vision?”

If you want your company to achieve maximum success, all business processes, management practices, and employee incentives should flow from and be in alignment with a clearly defined strategy. All employees should understand and be “on the same page” as your vision and strategy. Every employee should consider the vision when they encounter their individual “moments of truth”.

In the fast food industry, moments of truth occur at the counter when the orders are taken. In manufacturing companies, they happen when a sales professional interacts with a prospect or customer, a serviceman repairs a customer’s machine, a shipment goes out the door to a customer, a customer service representative answers the phone, and at numerous other points.

Where are the moments of truth in your business? What interactions are crucial for your success? Design and execute your strategy and all of your processes and practices to create positive moments of truth experiences for your external customers.

How do you create an environment that equips and motivates your internal customers to create positive moments of truth experiences for your external customers?

You start by clarifying your vision and communicating it consistently and constantly, so that every aspect of your company is built around it.

Your vision is your definition of success. Your strategy to achieve your vision is the foundation for your success. When you have a clear vision and a sound strategy – supported by good planning, communications, and metrics – your entire workforce will perform at a higher level. That means more profits and faster growth for your business, which is exactly what this book’s about.

These concepts always work. Why? Because clear expectations built on the foundation of a sound vision always increase commitment, motivation, teamwork, and productivity.
Shifting expectations, on the other hand, increase confusion, discomfort, apathy, and disharmony.


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If your Strategic Plan isn’t in writing, it doesn’t exist.

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Does your company or organization have a clear, crisp and documented Strategic Plan? Or are you one of the many that claim to have it “in your head”?

When I speak to business owners and CEO’s I hear that answer so often that I’ve come to expect it. According to the National Business Association, more than 50 percent of small to mid-size businesses don’t have written business plans. And when written plans do exist, most are on a shelf or in a file drawer, gathering dust.

Does your organization have a written plan with clearly defined goals?

  • Does that plan articulate your vision and direction clearly and succinctly?
  • Does everyone in the organization understand the plan and refer to it often?
  • Are departmental goals and individual compensation tied to plan achievement?
  • Can it be easily communicated?
  • Does it provide a benchmark for evaluating your business?
  • Does it give you the flexibility to alter your course rapidly in response to changing circumstances?
  • Do you have a dashboard with key metrics to gauge progress against plan?
  • Are those metrics visible to all employees?
  • Are the people affected by the plan fully engaged and committed to accomplishing it?

If you answered “no” to two or more of these questions, there’s a good chance you don’t know where your organization is going or how it’s going to get there.

What a lot of companies call business plans are nothing more than “blue sky” gazes into the future. Their vision statements – which are actually more like “wish lists” – are vague and their goals are not specific. A poorly developed plan is worse than no plan at all.

The National Business Association estimates that 78 percent of businesses that fail don’t have well-developed business plans. Where does your company stand?

An undocumented plan is a daydream.

I’ve worked with a lot of executives who think that the plan in their head is well thought out and that everyone in their company is in agreement with it. But when they attempt to put it in black and white for others to see and discuss, they’re invariably surprised to see how much confusion and controversy erupts.

The documentation process forces you to set priorities and think through difficult questions. It provides a mechanism for discussing goals and building consensus. You’re less likely to gloss over key issues when you put things in writing.

A written plan gives you several significant benefits:

  1. It provides a fixed point of reference to guide your decision making, so you won’t be pulled off course by tempting diversions.
  2. It serves as a foundation for communicating direction, promoting teamwork, and instilling motivation.
  3. It promotes action instead of reaction.
  4. It provides a means of measuring your progress.
  5. It helps you invest resources wisely.
  6. It provides a common framework for aligning people and processes.
  7. It focuses your entire organization on common objectives.

Committing to the planning process is the first step in inventing your company’s future.

When you finish your plan, communicate it broadly. Refer to it constantly to guide your decision-making and gauge your progress. Use it to evaluate all major projects, processes, expenditures, and opportunities to make sure they are aligned with your organization’s vision and goals. Departmental goals and compensation plans should be aligned to plan achievement.

It takes courage to document and communicate your vision. Revealing your desires and your goals puts you out on a limb, where your success or failure is visible to all. You’re putting your reputation at risk.

But if you don’t commit to a vision, you’re putting your whole company and all of itsemployees at risk.

If you found this article helpful you may want to download our free whitepaper, "How to Recession Proof Your Business". 

Bottom Line Book available on Amazon

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My first book, “Bottom Line Focus” has just been added to Amazon. It should be available from them in about a week. It took me well over a year to complete and it’s something I’ve wanted to do for years. I have experienced much over my career and I really feel strongly that many of today’s business issues are common among businesses and industries. I see the same things over and over, if I can help a company succeed and save jobs it really will have been all worth it.

My thoughts are we as a society are losing our leadership edge. There certainly aren’t many positive examples being shown us on a daily basis, but it doesn’t change the fact that leadership starts with each of us. Before you can lead others you must effectively lead yourself. Accountability and results start with each of us.

If you found this article helpful you may want to download our free whitepaper, "How to Recession Proof Your Business". 
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