Peter is a small business enthusiast. He works in the business development department at Palo Alto Software.peter leads business development, sales, and strategic partnership work for Palo Alto Software, makers of LivePlan, where he creates relationships and programs that help entrepreneurs succeed. Peter has also started and sold a successful business with revenues over $1MM, directed Strategic Partnerships for Nickelodeon and Comedy Central, organised local Start-up Weekend events, and judged business competitions for Rice, Princeton, Notre Dame, and others.Peter has taught contemporary business planning - from concept to execution - for many years in venues including Lane Community College, University of Oregon, Oregon SBDC, and Oregon SCORE. As a volunteer, Peter is the past president of the Board of Directors for Committed Partners for Youth in Lane county , formerly Big Brothers Big Sisters of America, and Board Director for Boys and Girls club of Emerald valley. He has also mentored individual local youth and local small businesses.

Originally from the great state of Virginia, Peter is now enjoying the rain and the trees in Eugene, Oregon. He likes sandwiches, cats, and working on his car. 

During this show we discuss:

• About a business plan
• Why should write your business plan
• How to write a good and effective business plan
• 3 important things you need to do before writing a business plan
• How to use accounting metrics to create your business plan
• 5 common business plan mistakes
• The importance of doing an analysis of your business in your business plan
• Resources every startup must know before writing a business plan to execution
• How to validate your business ideas without going broke
• 11 things every startup needs to include in their first business plan
• How technology can help you build your business plan
• How often you should update your business plan
• How long does it take to create a business plan that you can use for an SBA loan
• How business plan increases business growth rate
• Pitching for funding after building your plan
• And much more…

Come join us on our live training event to discover how crowdfunding can help your business succeed.

During this livestream, you’ll discover …

• How to get your crowdfunding campaign together to ensure your best chances of success
• How crowdfunding can be a creative way to get business funding…
• … and how it can help startups in particular
• The basics of crowdfunding
• An examination of some of the fine print…
• … and which kinds of businesses will do the best
• A look at some of the decisions you will have to make
• The basics on working with perks
• How to get your donors fired up
• Basics of a crowdfunding campaign
• A look at Kickstarter…
• … including their requirements, limitations, and fees
• An examination of Indiegogo…
• … including its fundraising structures
• How Crowdfunder and equity crowdfunding work
• When and where the law steps in
• How the Federal Trade Commission views crowdfunding…
• … and when they’ve taken legal action against campaign creators

WOW, that’s a lot of great info we’ll be covering in this one hour live event. ALL will be revealed on this livestream, register now… spots are limited!

Jaryd Krause used to be a plumber working 60+ hours per week and hated it. Fast forward to today and he now owns multiple online businesses himself and many of his clients earn thousands to tens of thousands of dollars per month from their business they bought working with Jaryd. His Buying Online Businesses Podcast is rate in the top 3 best passive income podcasts online.

Jaryd runs the only Buying & Building Online Businesses Community where there are 5,6 & 7 figure income earners buying, growing and selling websites in the group with Jaryd’s programs, training and help.  

During this show we discuss:

• How to know which type of online business is right for you to purchase 
• How to know if buying an online businesses is right for you
• How to buy an online business
• How to use website brokers to find your perfect business 
• What to look for when buying an online business
• How to determine if the business is a good investment 
• What you look for in due diligence 
• What to do when buying an online business
• 5 things to know about buying an online business
• How your first call with the business seller should take place
• Red flags you may see that may indicate you shouldn’t buy
• 3 common mistakes first time buyers always make and how you can avoid them
• 3 things people who buy businesses benefit from
• When to not buy an online business
• How to get the cash you need to acquire a business 
• 3 pros of buying a bigger business
• 3 cons of buying a bigger business
• Types of website to stick to when buying for the first time
• What a good first buyer must look at when searching for online business listings
• 7 tools to manage an already acquired business
• Getting finance to buy an online business and grow it
• Price as a secondary feature when buying a business
• How to use attorneys to help you
• Whether you should by in the United States or other countries 
• How to flip businesses for profit

Come join us on our live training event to discover Half a Dozen Fundability Mistakes Most Entrepreneurs Make – and How to Avoid Them.

During this livestream, you’ll discover …

• What fundability is, and how you can improve yours and get business funding
• How you can build your business for fundability
• Ways your business name can make it harder to get financing…
• … and how to name your business so as to make it easier to get money
• How much your EIN, business entity, and licenses matter
• Why a corporation is the best business entity, bar none!
• Why a brick and mortar business address is key…
• … and how using a PO box or a home address can tank your fundability
• 3 reliable vendors where we recommend you get a virtual office
• How your business phone and fax numbers, and 411 listings spell fundability
• That yes, you need a fax number!
• How a professional website and email address can enhance fundability …
• … and help you get more customers
• Why having a separate business bank account is a necessity
• How getting your personal financial house is crucial
• Why congruency is the key to unlocking fundability …
• … and the easiest way to maintain consistent, congruent records everywhere

WOW, that’s a lot of great info we’ll be covering in this one hour live event. ALL will be revealed on this livestream, register now… spots are limited!

Most Speakers who teach have not done it for themselves...and most Entrepreneurs don’t know how to speak...Peter is the rare exception. He’s a thought-leader who has also accomplished big things. Peter bootstrapped his successful software company from an idea in 2008 to a multi-million dollar exit in 2018...without capital, investors or partners. Peter knows how to inspire people by tapping into their unique purposes.

Peter is a truly fascinating and multi-faceted guy, with decades of experience in speaking to audiences about his business knowledge, inspirational journey, and human behavioral insight.

Though Peter struggled through school with undiagnosed ADHD, he was admitted to and graduated from the University of California Irvine in Political Science. Post-college he became a traveling speaker and salesman, chalking up over 3000 presentations and living in over 22 major cities. Peter went on to found a successful advertising agency and software platform, dedicated to financial service professionals. He quickly became the industry guru, writing numerous books, including one of his best selling works “The Brand Called You”, “The Personal Branding Phenomenon” and his newest book “Leadership Power”.

He now pursues his passion for humanity and the planet - he sincerely believes that all people and organizations have a special role in perpetuating the survival of our species, our civilization and our planet. He speaks thoughtfully and passionately about the need for Transformational Leadership in today’s world.

During this show we discuss:

• Why some find it difficult to lead and others do not
• How you can effectively develop the right leadership skills
• The three domains of leadership
• What makes someone a great leader
• How to increase your confidence to be a better leader
• What imposter syndrome is and how to overcome it to gain confidence
• How important it is to be part of a tribe
• About Transformational leadership
• How you can make immediate and lasting difference as a new leader
• Little lies leaders tell themselves that aids their business
• About empowerment and how leaders empower their teams
• 5 secrets of leadership power
• Why boundary setting is important and how to do it
• How to overcome boundary violations
• Step by step system on how to create more leadership power
• Effective cooperation: the biggest leadership problem
• About healthy complaining
• How to empower your leadership role with healthy complaining
• How to have different, productive conversations and eliminate defense mechanism as a leader
• About absolute responsibility
• The importance of absolute responsibility
• About business boundaries
• Using boundaries to solve conflict before it starts

Come join us on our live training event to discover how to improve your Experian credit report by enhancing fundability.

During this livestream, you’ll discover …

• Why records consistency and congruency can be the difference between a good Experian business credit score…
• … and one that’s not so good
• How Experian looks at both personal and business credit behavior to calculate their blended business credit scores for your business
• What’s in a typical Experian business credit report …
• … and where their data comes from
• Details on how Intelliscore Plus and the Experian Financial Stability Risk Score (FSR) are calculated…
• … and what counts the most when you work to improve them
• What fundability is…
• … and where your industry type and business name and address fit in
• How to set your business phone and fax numbers for maximum fundability
• Where your business bank account fits in
• How your business entity and EIN matter
• How to choose better SIC and NAICS codes to help your fundability cause
• Why getting set up with the business CRAs helps…
• … and in particular what it takes to get set up with Experian
• How your personal financials and personal credit history matters
• Where your business credit history fits into the mix
• How vital keeping your business records congruent truly is
• Easy steps to raise your Experian business credit scores

WOW, that’s a lot of great info we’ll be covering in this one hour live event. ALL will be revealed on this livestream, register now… spots are limited!

Johannes Voelkner is the founder of Nomad Cruise - one of the largest digital nomad experiences in the world. Originally from Germany, he moved to South Africa in where he built his first location independent business.

In 2010, he became a digital nomad. While he loved the lifestyle, he was missing the connections to other remote workers and craved community. He wrote the first travel guide for people who work online to inspire more people to live their dream and work while traveling the world.

Eventually, the guide led to the creation of Nomad Cruise where he has helped thousands of digital nomads find community.

During this show we discuss…

• About a digital nomad
• How to start a business from anywhere
• The best way to network as a digital CEO or worker
• How to find and connect with other digital nomads
• The best Facebook group to meet other nomads
• What to consider as the CEO of your company before going digital
• The best and appropriate way to handle clients when running a digital company
• How to be a digital nomad while saving money
• Finding other nomads in your new location
• How to successfully create a community of and for your remote workers
• The importance of trips or vacation with your remote workers
• 3 major issues bound to spring up from running a remote company and how to resolve them
• Benefits of being a digital nomad

And much more…

Come join us on our live training event to discover how to start a fundable business.

During this livestream, you’ll discover …

• Just how vital it is to keep your business information consistent and congruent anywhere you have a business listing
• How following your bliss can get you funding …
• … if you set up your business for fundability
• How choosing your industry, SIC and NAICS codes matters
• Where your business name and address fit into the picture
• Why you want to incorporate…
• … and how to get your EIN from the IRS, D-U-N-S number from D&B, and BIN from Experian
• How to set up your business phone, fax, web domain, email, and website for maximum fundability
• Why you shouldn’t try for funding without having all of the licenses your business needs
• How getting a business bank account will enhance fundability…
• … and how keeping a certain minimum balance will increase your chances for funding
• How having a business merchant account can help you make more money
• Why keeping your business information congruent and consistent everywhere matters
• Where your business and personal credit histories fit in

WOW, that’s a lot of great info we’ll be covering in this one hour live event. ALL will be revealed on this livestream, register now… spots are limited!

Ron Carucci is an expert on a number of topics, including the journey from startup to scale up of a young business, leading massive transformation in more mature organizations, advice on rising through an organization from middle management to executive leadership, and more.  Ron led a ten-year longitudinal study on executive transition to find out why more than 50% of leaders fail within their first 18 months of appointment, and uncover A Holistic Approach to Organization Transformation on the four differentiating capabilities that set successful leaders apart. Those findings are highlighted in his groundbreaking Amazon #1 book Rising To Power, co-authored with Eric Hansen.  These findings are also summarized by Ron in the popular HBR article. HBR selected that research as one of 2016’s “Ideas that mattered most", and he recently presented it on their Live series. Ron is a 2-time TEDx speaker, and you can listen to his recent TEDx talkon power. 

Ron Carucci is co-founder and managing partner at Navalent, working with CEOs and executives pursuing transformational change for their organizations, leaders, and industries.  He has a thirty year track record helping some of the world’s most influential executives tackle challenges of strategy, organization and leadership. From start-ups to Fortune 10’s, turn-arounds to new markets and strategies, overhauling leadership and culture to re-designing for growth, he has worked in more than 25 countries on 4 continents.  In addition to being a regular contributor to HBR and Forbes, and has been featured in Fortune, CEO Magazine, BusinessInsider, MSNBC, Inc, Business Week, Smart Business, and thought leaders. 

During this show we discuss:

• Making your leadership team exceptional
• How to create thought leaders within your organization
• Why knowing your identity is essential to your organization
• How to develop your strategy for your business
• How to design an organization with purpose
• About scenario planning and why you should be doing it
• Two of the messiest challenges executives face when leading an organisation or business
• The first step to understanding the fundamentals of strategy
• Critical strategies of developing strategy
• 3 important questions you must ask when creating strategies in order to avoid problematic strategies
• What to do when you have a defined strategy but see inconsistent execution across the organisation
• 3 ways to make my strategy work
• Major reason executives fail to execute a strategy
• Minor strategic effects businesses go through during a transition
• Focusing your job on the most strategic opportunity your company cares about
• And so much more

During this show, you will discover …

• What fundability is…
• How missing information can only hurt your business
• Just how vital a positive business credit history is…
• … and how you can build a positive business credit history from the get-go
• Why your online presence and reputation are key
• Why records congruency and consistency will make or break your fundability case
• How lenders and credit issuers secret fundability approval process works… and how to beat the banks to get approved
• The exact steps to build business credit for your EIN with no personal liability and regardless of personal credit quality
• Why most entrepreneurs fail to get capital… and how to succeed by knowing where and how to get approved

Stan The Annuity Man is nationally recognized as the top independent annuity agent in the United States and has been called “America’s Annuity Agent.” Licensed in all 50 states, his “Will Do, Not Might Do” contractual guarantees-only mantra sets him apart in the annuity industry. With over 3 decades of financial experience, while previously working at Dean Witter, Morgan Stanley, Paine Webber, and UBS, Stan The Annuity Man understands markets and investments and knows how annuities can properly fit in a portfolio.

Stan has published 7 books on annuities, writes weekly columns for national financial media outlets, publishes a new educational video to his Stan The Annuity Man YouTube channel on a daily basis, oversees TheAnnuityMan.blog, and hosts The Annuity Man Podcast every week on all major platforms. Without question, Stan The Annuity Man is not only the top annuity agent, but the #1 annuity educator and annuity content originator on the planet.

Stan The Annuity Man has been a keynote speaker at almost every major financial trade show and for many top financial organizations. His brutally factual approach to explaining the truth about annuities to consumers will add value to your podcast and be an informational and educational gift to your listeners.

During this show we discuss:

• All about annuity and how to know if it’s for you
• What happens when you annuitize
• 5 dangerous mistakes that annuity shoppers make
• How you can easily spot an empty annuity pitch
• When you should not buy an annuity
• When you need to buy an annuity
• Some economic factors that affect annuity you should consider before buying an annuity
• How to know the right one (annuity) for you
• Avoidable annuity charges I need to know that your agent may not tell you about
• What to consider when switching between annuities
• 5 annuity strategies that can combat low interest rates
• How to get past a “deceptive” but convincing annuity sales pitch
• The most important question to ask before accepting an annuity offer
• About index annuity
• 3 pros and cons of an indexed annuity
• About an annuity carrier
• Annuity IRA strategies you may consider when retiring or about to retire
• And much more…

During this show, you will discover …

• How important it is to keep your business information congruent everywhere
• What business credit is
• Where Equifax gets their data from
• A bird’s eye view of Equifax main reports
• What fundability is
• How your industry and business name can make or break your fundability
• Why your business address and phone numbers matter for your Equifax report
• Where a business bank account fits in
• Why you want to incorporate…
• … and how it is okay to choose less risky SIC and NAICS codes…
• … if they apply
• How getting set up with D&B and Equifax are crucial
• Why your business credit history is key
• How your business website and email address fit into the mix
• How vital it is to get all required licenses
• How setting up your business bank account can help with future funding opportunities
• Why incongruent business information will get you funding denials…
• … and how to fix it on your Equifax reports and more
• Easy steps to improve your Equifax scores

WOW, that is a lot of great info we will be covering in this one hour live event.  ALL will be revealed on this livestream, register now… spots are limited!

Tracey Bissett is on a mission to redefine the world's economic future by increasing the financial literacy of entrepreneurs, also known as financial fitness. With over 20 years of experience in the financial services industry, Tracey can help entrepreneurs across all industries, both on and offline.

As the founder, President, and Chief Financial Fitness Trainer at Bissett Financial Fitness Inc., Tracey helps her clients understand and improve their level of financial fitness with a goal of increased confidence using their financial skills so they can be successful in their financial lives. In addition, Tracey is a professor at Centennial College’s School of Business and regularly leads speaking engagements to increase financial fitness awareness.

Tracey enjoys giving back to the community and actively volunteers with Therapeutic Paws of Canada, United Way and Junior Achievement of Central Ontario.

During this show we discuss:

• Two things that could mentally affect your finances
• 3 steps to cash flow clarity
• Two biggest money mistakes entrepreneurs make when starting their business
• Three benefits of a goal oriented savings to an entrepreneur
• About money disorder
• Symptoms of money disorder and how to change this habit
• How to unlearn poor spending patterns
• Why you need to audit regularly with the help auditing experts
• Some of the biggest financial mistakes people make when going through a career transition and what to do to aid the situation
• The best way for entrepreneurs to increase their financing knowledge in order to get all the financing they need
• The most important tools every entrepreneur needs to understand their financial position
• What entrepreneurs need to be accountable for
• About financial advisers
• The importance of a financial adviser even to a start-up entrepreneur
• 3 cash flow strategies entrepreneurs overlook when there is a breech of contract
• And much more…

During this show, you will discover …

• How basic steps to building and enhancing business fundability will directly lead to better D&B credit scores, including PAYDEX
• What fundability is…
• … and how it directly relates to your D&B reports and scores
• How many of the places where D&B gets their data are where you can present your records in the most fundable manner possible
• How missing information can only hurt your business
• Why selecting the right business name and industry codes – NAICS and SIC – can enhance fundability and influence your D&B report positively
• Why voluntary reporting by creditors happens…
• … and how it helps Dun & Bradstreet
• Just how vital a positive business credit history is…
• … and how you can build a positive business credit history from the get-go
• How choosing the right business entity and getting an EIN from the IRS website helps improve your D&B report and enhance fundability
• Why your online presence and reputation are key
• How maintaining a good payment history improves virtually every D&B predictive report
• How keeping a good minimum balance in your business bank account can help with both fundability and your PAYDEX score
• Why records congruency and consistency will make or break your fundability case

Shaun Osher founded CORE in 2005 and quickly made it into the number one boutique real estate marketing and sales company in New York. Shaun is widely regarded as one of the most innovative and creative minds in marketing, branding, and selling real estate, and is responsible for more than 6 billion in sales. Shaun started his career as one of NYC’s most successful and respected agents and is known as a broker's broker, with a keen understanding of the market and acumen for sales and negotiation. Shaun is a native of Johannesburg, South Africa, and he graduated from The New School and began his career in 1994.

CORE started in 2005 as a joint venture between Shaun and The Cayre (Carrie) Family of Midtown Equities. As a top Manhattan real estate agent, Shaun had a progressive vision for a new type of brokerage firm: an innovative real estate company offering the best-in-class service to its agents, buyers, sellers and developers - one that could provide client service that is personalized and perfectly tailored to their clients’ needs. CORE has since grown to over 120 real estate professionals and staff, with offices in Chelsea, the Flatiron, and on Madison Avenue. In 2014, Related Companies acquired a stake in CORE to further expand the firm’s brand and offerings throughout New York City.

During this show we discuss:

• What a start-up real estate entrepreneur pay attention to when trying to choose a niche to invest in
• How real estate entrepreneurs can effectively claim their niche
• How entrepreneurs in the real estate space differentiate themselves
• Tracking and responding to market trends as a start-up real estate entrepreneur 
• 3 dos and don’ts of being an effective real estate entrepreneur
• How to leverage social media as a powerful marketing medium to benefit your business and also stay ahead of competition
• How have real estate reality TV shows changed the landscape 
• The best parts of selling real estate 
• Making profit from a seller’s market
• Why you should have an agent when thinking of selling a property
• 3 steps to take in order to avoid scams and illegal buyers when subletting an apartment
• What CORE does that sets it apart from other brokerages
• The biggest mistakes both buyers and sellers commonly make
• And much more…

During this show, you will discover …

• How building business credit will help you assure your business has a future
• That conventional banks can not help you fund a startup…
• … but there are still plenty of choices
• How unsecured business financing can get you more money than nearly any other form of startup financing
• The kinds of startup loans that are out there…
• … and the kinds of collateral you can use
• What you can get in funding when your collateral is…
• … securities, your 401 (k), accounts receivables or…
• … purchase orders, inventory, or equipment
• What the SBA microloan program entails
• How crowdfunding works
• Where federal, state, and local grants come into play
• What angel investing and venture capital are
• Little-known additional forms of financing
• The basics of business credit…
• … including how to get started building yours…
• … and the most effective way you can build a great business credit score

Chad Peterson is an expert business broker and the founder of Peterson Acquisitions, an award winning M&A firm. Chad’s firm handles transactions in $1 million to $25 million range, with some deals exceeding $25 million.

He works with companies all over the United States and has completed international deals as well. Peterson Acquisitions was recently named by one publication as the #1 ranked business broker in the United States. What sets Chad apart from all other business brokers is his aggressive style, work ethic and tenacity that are rooted in his humble beginnings. 

Chad is a self-made entrepreneur that has been in the trenches. He has started, built and sold 6 of his own businesses. Chad wrote the book “From Blue to White: A Working Man’s Guide to Self-Employment”. Bestselling author Scott Alexander of “Rhinoceros Success” wrote the foreword. He also wrote the book “Swinging Doors: A Guide to Selling Your Company” and is the host of the podcast: Business Brokers: Buying, Selling & Growing Businesses.

During this show we discuss:

• Things to think of from the beginning of your business to have the best plan of selling
• Why you shouldn’t get emotionally attached to your business 
• Are some businesses worth more than others
• The success in selling your business
• The right time to sell your company
• The best way to go about determining a fair market value for selling your company
• What you should do from the beginning to make your business worth more
• Why you shouldn’t worry about paying down debt before you sell
• The importance of the ‘transition’ stage when buying or selling a business
• Three challenges bound to pop up after buying a business
• 5 pitfalls to avoid when selling a business
• Some of the redeemable assets in selling a business
• What you should tell employees before you sell
• Some of the ‘must-sell’ assets in selling a business
• How to put a fair sales price for your business
• Why you should care who buys your business
• The first way to make a great first impression when selling a business
• Determining the worth of your business
• How a buyer gets financing to buy
• What to do after selling your business
• Why you should use a broker to sell your business
• The importance of having a professional broker handle the selling process

Come join us on our live training event to discover Peer to Peer Lending – Decoded.

During this livestream*, you’ll discover …

•The details about top Peer to Peer lenders – Prosper, Lending Club, Funding Circle, Upstart, and StreetShares

•Just what Peer to Peer lending is

•Details about the biggest lenders in the Peer to Peer space

•How the biggest P2P lenders grade borrowers…

•… and how they decide who’s a good borrowing risk…

•… and who isn’t

•Where they get their data from

•The terms and fees for the big lenders

•What happens when borrowers default

•Which lender has the lowest default rates in the industry

•Which lender offers a preference for veterans

•Which lender has a 45% share of the market

•Which lender has a Borrowers’ Bill of Rights …

•… and which lender bases its internal grading on Experian’s data

WOW, that’s a lot of great info we’ll be covering in this one hour live event. ALL will be revealed on this livestream, register now… spots are limited!

Matthew Sullivan is the CEO and Founder of QuantmRE, a cryptocurrency startup that supports homeowners by helping them sell a fraction of the equity in their home without taking on more debt. A seasoned entrepreneur, Matthew has a proven track record in real estate innovation through his experiences as Co-Founder of the $50M Secured Real Estate Income Strategies Fund, and as Founder and a President of Crowdventure.com, a real estate crowdfunding company.

During this show we discuss…

• About accessory dwelling unit (ADU)
• What home equity contracts are and how they work
• How to qualify for home equity contracts
• Releasing equity in your home without taking on more debt
• Getting money now by selling some of the future value in your home
• How to tap into a formerly untapped asset class
• Leveraging equity in your home to get cash with no extra debt
• How much value you should have in your home to use it as leverage
• Using this unique strategy to get rental properties with little money down
• The benefits of this unique strategy that most don’t know about
• Tapping into your home’s equity even with credit issues
• Saving your home from foreclosure with this unique strategy
• How crypto currency can be used to help leverage your home
• Using untapped equity in your home to earn large returns
• The tax benefits of home equity contracts
• And much more…

During this show, you will discover …

•Just how to build business credit and fund your business the reliable, smart way
•What business credit is and how to ties to your companys EIN and its ability to pay its invoices…
•… and it does not tie to your Social Security number or your personal ability to pay bills
•Per the SBA, credit limits on business cards are usually 10-100 times higher than consumer credit
•Get high-limit cards so your business can fund itself
•How to actively build business credit
•The right steps to take to establish business credit…
•… and the right order in which to do them
•How business legitimacy plays a part…
•… and how to make your business legit to credit issuers
•What the vendor credit tier is
•The names of four starter vendors with EASY approvals so you can start business credit building NOW
•How to possibly add accounts like cell phone and utilities to Creditsafe and Experian
•What unsecured business financing is…
•… and how it could be the perfect solution for your business
•How an unsecured business credit program works…
•… and exactly how to qualify
•How business credit monitoring is a must…
•… and how we can save you over three-quarters of the cost of monitoring your business credit at Experian and Dun & Bradstreet
•What the retail, fleet, and cash credit tiers are and how to get there
•And how responsible credit management will ALWAYS help your business out
•… And how you can reach us – we are here to help YOU!