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Forward Motion Business Coaching » Financial Strategy http://forwardmotionbusinesscoaching.com Direction Makes All The Difference Wed, 04 Jun 2014 20:05:05 +0000 en-US hourly 1 https://wordpress.org/?v=4.0.24 Copyright © Carrozza Associates 2013 cai4admin@comcast.net (Forward Motion Business Coaching) cai4admin@comcast.net (Forward Motion Business Coaching) 1440 http://forwardmotionbusinesscoaching.com/wp-content/uploads/podcast_logo_144x144.jpg Forward Motion Business Coaching http://forwardmotionbusinesscoaching.com 144 144 Direction Makes All The Difference Forward Motion Business Coaching Forward Motion Business Coaching cai4admin@comcast.net no no “Lean In” If That is Your Desire http://forwardmotionbusinesscoaching.com/lean-in-if-that-is-your-desire/ http://forwardmotionbusinesscoaching.com/lean-in-if-that-is-your-desire/#comments Fri, 29 Mar 2013 21:51:26 +0000 http://forwardmotionbusinesscoaching.com/?p=1093 The recent book, “Lean In” by Sheryl Sandberg, COO of Facebook, points directly to the fact that women are not making a move towards the

Condoleezza Rice

top of their profession, at least not with the  zeal  previously considered.  Ms. Sandberg gives very clear statistics as to the state of female leadership both worldwide and nationally.  She is also very succinct in stating that there is not necessarily any one cause.

As someone who worked in the corporate world for over 25 years, I absolutely understand her reason for opening this compelling discussion.  Although it is not possible to easily to pinpoint any one reason for it, you can look at several key elements that perpetuate this fact.

As a senior manager working closely with human resources, we at times faced the fact that a female candidate did not want to move to a more senior position in the organization due to one of three reasons:  they were just starting a family, they could not commit the time because of family commitments, or they simply did not want a “career”.  I only once recall hearing one of those responses from a male.

Two of the three best leaders I reported to in my corporate career were women. They were both strong communicators, empathetic and fair.  They were also, tough, focused and objective driven.

Whether it is in our DNA, part on our living environment and culture, it is still a reality.  My view as a coach differs in that I look at everyone as an individual seeking their own path.

Richard Branson

 

Every person makes a decision about their journey.  My passion as a coach is supporting, guiding and advising those who have the desire to be the best they can be.  Man or woman.

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How Much Do You OWE? http://forwardmotionbusinesscoaching.com/how-much-do-you-owe/ http://forwardmotionbusinesscoaching.com/how-much-do-you-owe/#comments Thu, 05 Jul 2012 21:10:56 +0000 http://forwardmotionbusinesscoaching.com/?p=520 Time to Cut the Credit

by Business and Life Coach Carmen Carrozza

It’s been a few years of absolute ups and downs in our economy – with the downs far outweighing the ups for some.    Mortgage crisis, foreclosures, the breakdown of our largest investment firms, and  a banking industry that is in disarray.   There is a slowdown in consumer spending due to the loss of savings funds and  the lack of   job security of many bread winners in the work force.  The loss of over 40% of our investments, including  retirement, children’s college funds and and overall savings plans will take many years, if ever, to recoup.  What is the next shoe to drop?

Does everyone remember how we have paid for luxury items, vacations, holidays, gifts, and oh yeah, grocery over the past 25 years.  If you guest CREDIT you get a gold star (Good news, gold is selling very high right now!).

Consumer credit outstanding in the U.S. is in the trillions.  And that’s NOT including mortgages, only consumer credit.  With so many families struggling, small companies trying to survive, and large corporations looking for cost cutting measures every day, there will be many people unable to keep up with the bills.

Credit is one of the first items to go unpaid in this environment.  Mortgages, utilities and the necessities are payment priorities.  It is always smart to have a plan in place for the worst of times, but sadly, many people do not, or are running out of their emergency funds.

The key right now is saving in every possible area you can.  Look at your daily spending habits and find ways to save dollars.  The dollars add up and help you get through the current economic crisis.   look at your entire financial picture to discover other ways to save.  Things will get better, it will be easier on those who sacrifice now and learn the harsh lesson taught by these times:  Have a financial plan, stick to that plan and don’t get fooled again.

If you need help – call us.  We can get you and your family on track to financial security (and a more stress-free life!)

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The Power of a Business and Marketing PLAN for Success http://forwardmotionbusinesscoaching.com/financial-demographics-marketing-plan/ http://forwardmotionbusinesscoaching.com/financial-demographics-marketing-plan/#comments Tue, 18 Oct 2011 05:36:48 +0000 http://forwardmotionbusinesscoaching.com/?p=366 Executive and Business Coach Carmen Carrozza with co-host Carla Fisher discuss business planning for a better year ahead.  From managing a changing economy to understanding the demographics of what has happened in YOUR market and YOUR business — Carmen discusses the MUST DO strategies to best position yourself for success.

To learn more about how to build your business plan and better realize your goals – Call Executive Coach Carmen Carrozza today at 888.616.COACH (2622)!

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A Business with No Plan Means No Business http://forwardmotionbusinesscoaching.com/a-business-with-no-plan-means-no-business/ http://forwardmotionbusinesscoaching.com/a-business-with-no-plan-means-no-business/#comments Thu, 23 Jun 2011 17:02:27 +0000 http://forwardmotionbusinesscoaching.com/blog/?p=199 How Not to Be Another Statistic

by Executive Coach and Keynote Speaker Carmen Carrozza

Do you know how many businesses opened their doors in the U.S. in 2009?  Over 552,000.  That is a great amount of Americans who have taken the ultimate chance, putting the life of their family and a good portion of capital on the line.

Now for the bad news.  More than 660,000 businesses closed their doors in that same year. Another statistical fact is that over 50% of businesses don’t make it to celebrate their 5th anniversary.What is the reason for this degree of failure?

Here are the main reasons in order:

1. Lack of Experience

2. Insufficient Capital

3. Poor location

4. Poor inventory management

5. Over-investment in fixed assets

6. Poor credit arrangements

7. Personal use of business funds

8. Unexpected growth

9. Competition

10. Low sales

Yes, there is a common thread that could lead to any of these.  A bad business plan or a lack of one altogether. There are businesses that succeed without a solid business plan, but those are far and few between.  Are you willing to put it all on the line and “Hope for the best?”  That, my friends is crazy.

Whether new or existing, every business in this complex global, digital and economic environment needs to be on top of their game.  Without forward critical thinking, any business is at risk.

Post any questions or comments you have about business plans and I will be glad to respond to all of them as we travel this road.

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Oh, My Aching Back! http://forwardmotionbusinesscoaching.com/oh-my-aching-back/ http://forwardmotionbusinesscoaching.com/oh-my-aching-back/#comments Fri, 15 Apr 2011 15:33:11 +0000 http://forwardmotionbusinesscoaching.com/blog/?p=212 by Executive Coach and Keynote Speaker Carmen Carrozza

It was early one morning in mid-November of last year when I first felt it.  An amazing pain shooting from my lower back down into the front of the thigh to my knee on the right side.  Immediately I thought I severely pulled a muscle.  When I was pained to my knees in the local grocery store about 10 days later, it was time to call my doctor.  during her exam, she noticed there was no reaction to the old hammer to my right knee.  I was told to get an MRI ASAP, which I did.  Two days later the pictures on the PC didn’t lie:  A herniated disc at the 4th and 5th lumbar.

I spent the next few weeks in extreme pain, working with my marvelous physical therapist, Jennifer.  Unfortunately, the pain worsened.  I could barely take a few steps at a time, hanging on to anything I could to gain some support.  It was like a sword being placed through my lower back to my right knee ALL the time.  Prescription drugs barely gave any solace from the constant agony.

In mid February, I visited my surgeon and her words as she watched me woefully hop into her office were, “It’s time for surgery.”   Back surgery?  As much as I feared and avoided it, I would have lied down on the bench and had her slice me right then and there.

As I awoke from anesthesia, the relief was palpable.  For those of who don’t know, a herniated disc is a when the disc between your back bones basically explodes open, with the contents lodging against the nerve root.  The operative procedure removes the disc material and cleans up the area, allowing the nerve to heal and work normally again.

I have been lucky so far.  My surgeons’ work is done, and my physical therapy is becoming more aggressive.  I can walk normally and hope to minimize any pain discomfort with core exercises and learning how to manipulate my body without causing too much pressure to my lower back.

As a business and life coach, I take this experience as an opportunity to not only form a more enlightened understanding of pain management, but how to live with it and still continue to thrive and grow.  Pain does not always mean physical pain.  There can be underlying issues like self-doubt, past failures, and general insecurity to move forward.  My job as a coach is to work with those who have regained the courage to move past these negative devices and move in direction driven by desire and new born motivation.

There is no richer feeling for me than to know I participated in raising the spirit of a company or individual to the point where they take positive action and look forward with confidence.  That’s why I do this.  Need help?  Contact me today at 888.616.COACH (2622)!

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Forward Motion: The Art of NOT Looking Back http://forwardmotionbusinesscoaching.com/201/ http://forwardmotionbusinesscoaching.com/201/#comments Tue, 05 Apr 2011 20:46:46 +0000 http://forwardmotionbusinesscoaching.com/blog/?p=201 by Executive Coach and Keynote Speaker Carmen Carrozza

Every time you have to make a decision, what is your processMost people think about what they did in the past and then formulate a response.  Think about the repercussions of this lack of foresight.  Yes, it is important to learn from the past.  That doesn’t mean our decisions should be totally influence by our past experience.  One mental process the most successful people use when decision-making is, “What can I do that will create the result I am am looking for.” It may have nothing to do with past results, rather it is about what they want to accomplish.

So, next time you are going through that moment in the decision making process when you search your brain cells for what you did before, even if it was successful, shut it down and explore your creativity and see if there are alternatives that inspire you to think in  Forward Motion.

Need help with this practice?  Contact me today at 888.616.COACH (2622)!


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A Coaching Radio Show That Goes Beyond "Normal" http://forwardmotionbusinesscoaching.com/a-coaching-radio-show-that-goes-beyond-normal/ http://forwardmotionbusinesscoaching.com/a-coaching-radio-show-that-goes-beyond-normal/#comments Fri, 22 Oct 2010 16:53:43 +0000 http://forwardmotionbusinesscoaching.com/blog/?p=128

Lawrence Smith of the FASB

Listen live online every Tuesday at 4pm on wgch.com.

It would be quite normal for a business and life coach to have a radio show  that is about self help and guests that speak about coaching and self-help.

Not Forward Motion.  My weekly radio program, heard locally on 1490 WGCH out of Greenwich CT and live streamed at www.wgch.com, is much more than that.  My goal is to talk about topics that affect businesses and individuals every day, then discuss ways to overcome obstacles, control what is controllable, and provide guests that add value to my listeners.

Carmen making a point on "Forward Motion."

I want everyone out there to be aware of what is really going on in our economy, and the effectiveness and rapidity to which our leaders respond.

My guests have included Lawrence Smith, a member of the Financial Accounting Standards Board,  Carla Rose Fisher, editing, writing and marketing guru, and Sal Provenzano, insurance expert.

Seated is Carla Rose Fisher, also a regular with Carmen.

I have entrepreneurs, professionals and businessmen, anyone that can tell their story that helps you, whether it be their successes, failures, obstacles they have overcome, or pure information to help your business become more successful.

Business and life are complex, taking into consideration global commerce, technology and unlimited communication.  You have to be prepared to move forward with focus and determination.

I believe one of the only ways to reach your goals and dreams today is with a professional coach that is a guide, and knows how to take you on a journey to new levels of confidence and success.

Carmen with Sal Provenzano of Rand Insurance in Greenwich, CT.

Tune in every Tuesday at 4:00EST or listen to podcasts at www.wgch.com.

Your business and your life can’t wait.

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Jobless Recovery? The Real Story http://forwardmotionbusinesscoaching.com/jobless-recovery-the-real-story/ http://forwardmotionbusinesscoaching.com/jobless-recovery-the-real-story/#comments Fri, 03 Sep 2010 17:08:02 +0000 http://forwardmotionbusinesscoaching.com/blog/?p=165      The economy is in horrendous shape.  The word “Recovery” is constantly thrown out there in the media to keep everyone off balance and give us a false sense of security.  Now, I am a business and life coach, and as such, I help my clients become more skilled, productive and inspired.  I also believe in keeping things real.  Trying to make the economy look much better than is like throwing a blanket over a messy desk; it doesn’t make it all go away.  Here are some recent facts that give you some clarity as to where we are:

Unemployment- The rate rose to 9.6% on September 3rd

Payroll Employment- Dropped by 131,000 in July.

An average of 485,5oo weekly applying for unemployment benefits.

Over 6 million Americans have been out of work for at least 6 months.

1609 mass layoff events, losing 143,703 workers in July.  Monthly mass layoff numbers are from establishments which have at least 50 initial claims for unemployment insurance  filed against them during a 5-week period. 

Labor Productivity- Decreaesd 1.8% in second quarter of 2010

Consumer Confidence- Stands at 50.4, in good times it runs in the 90’s. 

Existing Home Sales- Down 27%, worst month in over 15 years, in the lowest mortgage rate environment in history! 

New Home Sales-  Down 12.4%

70% of our economy depends on consumer spending: No jobs, no money. 

Banks- Not lending to small business

Small Business- Not hiring due to lower profits, concern over new tax and medical care costs.

     Does any of this give you the feeling that we are in a recovery?  What we are, is in a state of emergency in the United States.  Instead of casting blame at others, the White House should be putting incentives in place to bring jobs back to our country along with factories and manufacturing plants that have been moved abroad.   Instead of taking another vacation, the President should be putting together a lending plan for  small business, without strings attached.  Instead of playing elitist to the middle class, he should be financially supporting emerging companies that are driven by clean energy, environmentally safe products and safe foods , all that create jobs, rather than saving companies that helped put us in this disastrous situation. 

Tough times for most Americans.

     What we need is true leadership.  Leaders put effective plans in place that aggressively meet the goals and objectives of the group they lead, in this case, the American people.

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Missed a 'Forward Motion' Episode? Get the Podcasts Here http://forwardmotionbusinesscoaching.com/missed-a-forward-motion-episode-download-the-podcasts-here/ http://forwardmotionbusinesscoaching.com/missed-a-forward-motion-episode-download-the-podcasts-here/#comments Fri, 06 Aug 2010 18:01:44 +0000 http://forwardmotionbusinesscoaching.com/blog/?p=144

Listen live online every Tuesday at 4pm on wgch.com.

I’ve been having a lot of fun with my weekly half-hour radio show, “Forward Motion,” on WGCH AM1490. Featuring industry leaders as guests, we discuss the real facts about what’s going on in the world both financially and politically, and how these events and trends affect your ability to move forward in your life and your career.

If you’ve missed any episodes during the month of July, click below to download the podcasts:

  • July 6 Episode — I spoke about business coaching, including how to enjoy a successful business is any economy.
  • July 13 Episode — My co-host was Jan Orlando, Director of Resources for Carrozza Associates, who joined me in a discussion about life coaching.
  • July 20 EpisodeJan joined me again for an economic overview and how it relates to business.
  • July 27 Episode — My guest was Sal Provenzano, Head of Business Development for Rand Insurance.

Thanks for listening! Tune in next Tuesday at 4 p.m. on WGCH.com.

Also, are you on Facebook? Check out my new Facebook Page and connect with me.

Carmen

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Oil and Obama Don't Mix http://forwardmotionbusinesscoaching.com/oil-and-obama-dont-mix/ http://forwardmotionbusinesscoaching.com/oil-and-obama-dont-mix/#comments Tue, 08 Jun 2010 13:18:50 +0000 http://forwardmotionbusinesscoaching.com/blog/?p=126 Are we all starting to understand the catastrophic nature of the Gulf oil leak?  One of the more attractive, tourist driven areas of our country is being destroyed due to greed, lack of preparation and very poor oversight.  And on top of all of that, our President feels compelled to sing “Michelle” to the minstrel-ling of Sir Paul McCartney, rather than show the American people at least the perception that he is proactively developing a plan of action that will not devastate the Gulf Coast, wildlife and thousands of businesses and families that depend on the fishing trade and tourism  to survive.

Obama and McCartney play while the oil spills and destroys the Gulf

We live in very complex world, and anything can happen during the watch of any president.  What differentiates great leaders from the rest is how they react, the decisions they make, and how they communicate with the American people.  To this end, Mr. Obama has done a very poor job.  His lack of ownership of the spill has been obvious from the start.  When he finally showed up at the Gulf 12 days after the spill began, he lacked any sense of urgency, and did not assure his fellow Americans that he developed an aggressive plan.

In business as in politics, great leaders are seen as taking charge, dealing with issues head on, and taking responsibility for things that go wrong, while thanking the group when there has been success.  This is not the behavior I have seen in any way, shape or form by this President.

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