Monday, February 21, 2011

10 Keys to a Business Plan that gets Funded

10 Keys to a Business Plan
that Gets Funded

by Bruce Lynch
entrepreneur, boot-strapper and revenue systems expert 
of Exxel International and BruceLynch.com


Introduction
This paper will help you ask yourself important questions. This introduction includes questions investors often think about without asking. How to run your company is the real issue, and then how to present what you are doing. Knowing what questions to expect will help you to prepare for conversations and help to decide what to include in your written plan.

This document can help you to pull together the people who can build your company and the materials you need. Use it as a guide. Clarify the real substance of your business to create "a business plan that gets funded."

A potential investor is excited. You talk several times.  
Then, your calls are not returned. Why?

The call was not returned? Not finding a 'sponsor' and Revenue Formula often are 2 normal causes. There are many alternatives to consider and many issues. Experienced and capable advisors can make the difference between success and failure. The right advice and real shirt-sleeves help can make the difference between your company moving side ways and having it generate clear, healthy, well financed growth.

What alternatives should you consider? What is the likely impact is for each alternative? -- raise money now or later; grow faster or generate higher profit; develop a strategic alliance or keep more control; enter a new market or expand in an existing market.

Experienced entrepreneurs, executives, presentation professionals, senior finance professionals, efficiency experts, respected Board members and practical results oriented implementers are all cost-efficiently accessed through Exxel. We help you to create and implement the Real Plan, not just the Business Plan documents.

Key #1. Vision -- a clear, strong vision is what attracts investors.

Back it with deep experience and with real results. The right Vision will succeed one way or another. Before you lock in on a Vision, question everything. Once you do lock in, question and review what it takes for the Vision to continually unfold.
Here are some questions to work with. They will help you develop a clearer vision. And, you will be better prepared for questions that investors will ask.

What Questions will Investors Ask?

A scenario: Your company is running very well. Yet investors just sap your time and do not invest. Maybe you receive polite refusals or can not even get an investor's attention?

What makes a company appeal to an investor? What does it take to get a budget approved at a large organization? Can a hidden issue kill approval? It sure can. How important is it to be recommended?

The Lead Investor

A "lead investor" is a person who will step out before others and write a check to invest. They are the ones with whom you should spend most of your time and effort. Many will say that they will. How will you know if a person really will?

Should you approach a brokerage firm, venture capital company, relatives or angels? How can you tell if a consultant can really help you raise money? Should you pay finder's fees to raise money? Should you pay interest to investors or sell stock?

What value should you put on your company?

You can find practical realistic answers to what valuation the market(s) will allow you to use.  Even in as little as 1 hour a decent understanding of the valuation range is likely to be reached.
Or, should you let the investors set the value? When should you offer warrants or options? These and many more questions can be answered. How? Exxel can help. Advisors at the Big 6 accounting firms have the experience. You need to come to your own answers, to  what will work for you. Do so with the help of people who have "done it before" and who have enough experiences to help you weigh alternatives.

Ranking the 10 Keys

Change your written plan and what you say, again and again if you need to. Get each of the 10 Keys to a level that feels right as you consider each of the 10 Keys. Otherwise, investors are unlikely to write a check, or you could get a lot less.

The Keys are numbered in what is descending importance for most situations. Vision is first because it is the most important. The rank of one Key compared to another can vary. Your industry, your personal experience, company size, how your company is currently positioned and the kind of investor you approach all can affect rank. An investor who considers lending you money (like a bank) thinks very differently from one that buys ownership, equity.

Sometimes you can sell 3% of your company for more investment money than you receive by selling 20%. Sometimes you can get debt financing even though a huge number of companies have said that it is impossible. There may even be a way to meet your projections without outside capital.

KeyKey #1: Vision, is the Golden Key

Investors who would pass you by will climb in with you. High caliber team members and suppliers will take risks and perform work beyond what you thought was possible. Everyone wants to have an impact on their world.

Like a powerful magnet, strong, clear Vision draws people to your company.

Create a clear path, so that they can walk with you. Help them feel that they can contribute, can participate in the impact of your company.

Is your Vision strong?
How do you know if it is? Listen to what people say who have never heard from you before. Consider having independent people help you to improve how you describe your Vision.

The right Vision must be:  clear, practical, achievable and all-encompassing.

Develop an image, a detailed description of what your company will be in three years. Set aside any details about what actions are needed to get there. Just describe what the  company is doing then. Why are there so many new customers? What is the prime  reason people do business with your company? What key team members have been added? What products? Geographic markets?

Avoid this: "We could do this. And, we probably will do that. But, maybe, if the competition is not too tough, or if we do not run out of money, we will have a wonderful product." Such an attitude creates failure.

A simple, clear Vision: "We have this great ...  technology, distribution approach, .. This particular group will strongly benefit from it in this way. We'll sell it in the following ways ..."

What makes your product or service very important to your customers? What is the process required to sell it? What are the driving forces in the market and among customers? Where does your company fit among those forces?

Capture your vision in writing. To do so is a creative process, one that is well understood by Exxel. Without that Vision your chance to get funded is very small.
Generate a clear Vision.

KeyKey #2: Your Revenue Formula is the key that makes it Believable

New money is added by investors. How much revenue does it generate and when? How much of it is specifically for marketing and sales expenses.

When would you invest?

Set aside the fact that you want to raise money for a few minutes. You are the potential investor. Here are Scenarios, as if you were the potential investor. First you hear "The Base". Next you hear "Credible Detail".

The Base: A business plan says your company will spend $300,000 on advertising and generate $2 million in revenue the second year. It explains that the company will hire an unnamed ad agency. Normal detailed spreadsheets with revenue and cost by quarter for 3 years are included.

What happens? Investors stand back and say,
We need to watch your
company perform for a while.
Add Credible Detail: The business plan adds some detail. $210,000 of the $300,000 will be used to test in three publications. By the end of the test, management and the agency both expect that revenue will be three times the ad cost before counting the impact of new customers through referrals. The other $90,000 is used after the test to start growing the revenue stream.

Looks good. We'll wait.

Independent Review Confirms: An advisor who turned around two companies recently and who has deep experience with your industry has reviewed your Plan. Under his direction a 200 person survey of potential customers was completed. He projects that the ads will generate revenue of between three and five times the ad cost.
Has this team really performed before? Maybe we should ask an expert to see if this all hangs together. I hear that another investor is close to a decision.
Believable Urgency is Added: The company offers new terms for investors. $150,000 is offered at a discount to complete the test. Those who invest in the test get a the option to invest at lower price per share during the next round.

Your Revenue Formula should have the following elements for each major portion of sales and marketing:
  • How much will be spent to start the process?
  • When will your revenue be coming in so well that a portion of what is generated will be enough to sustain the revenue rate?
  • Who are the specific people who will implement the Revenue Formula and why are they likely to succeed?
Growth can be reliable and consistent. Describe how you will do it. For more about increasing revenue consider how Exxel can help   increase revenueprobably without any extra budget or expense.

When your company decides to spend more money on marketing and sales, how much more revenue will it generate?

How long will it take for that revenue to occur? 

How consistent, believable, forecastable and low-risk is that relationship?

Or, if your project is non-profit or has no revenue, then change the word revenue to the phrase "tangible, measurable impact".

In the place of a potential investor, would your prefer:

 an explanation of your "Business Model" that sounds convincing

 also, to have a Revenue Formula that is proven?

The Valuation went from $500,000 to $2 million in 4 months.

With annual revenue running at $4 million per year, revenue has been stable and "working capital was negative." No fun. Suppliers calling to collect. An opportunist or vulture declared, "it is not clear if this can be made profitable. I'll put up to $500,000 into the company's operations in exchange for 51%.

3 Months Later: Monthly revenue was up, as predicted, using the Revenue Formula.  A "marketing oriented" venture firm and a merchant bank each indicated likely interest using a $2 million pre-money valuation.

By month 9 in this sequence the valuation used was $3.5 million pre-money with monthly revenue up only 20% from the starting point.

A Scenario for you to Create

Perhaps you can do the work to create a scenario like this one.

I come to you seeking an investment of $1 million and state that revenue a year later will be up $2 million per year and then growing at 20%.

Of that $2 million increase, $700,000 is the cost for sales and marketing, what professional investors call "marketing money". $500,000 of that $700,000 will generate $1.5 million per year in revenue within seven months of the marketing "launch." The resulting revenue will use a portion to perpetuate the increase.

The marketing will use methods and media that are being used now, methods to "clone and repeat" using measurements and comparisons. The cloning of the Revenue Formula will expand to reach more people and markets.

The remaining $200,000 of the $700,000 is for marketing experiments that we think might put our revenue way above the forecasts that we have given to you.    
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KeyKey #3: Proprietary Advantage

"Why should I invest? As soon as you start to grow, competition will hurt you."
Your Proprietary Advantage could be related to the product or to how you serve the market. Commonly, it includes intellectual property and your system of distribution. What makes your company less vulnerable to competition? When other companies try to compete, what will slow them down?

Think of this Advantage as a set of walls around your company and its customers. The walls protect your company. Your Proprietary Advantage protects the ability of your company to serve and keep your customers. The strength of those walls attracts new customers to you. The walls make it difficult for competitors to harm you.

What gives you an advantage over companies who serve the same needs? Do you have a cost advantage in Operations or in Revenue Generation? Can you create "economy of scale" that does 'not make business sense to duplicate?' Compare the position your company has in the market with key marketing principles. What will cause a customer to think of you first? Exxel has a list of these principles and can help you make your marketing more proprietary. Consider " Marketing Principles".

Patents, perhaps you have none? Or, maybe any smart person could get around them? If so, rethink your position. Discuss your the situation with practical, experienced business people. An advisor may see proprietary advantage that you over-looked or that you thought not important. They may recommend an action you can take that will deliver such an advantage, without any real cost. The right advice and a small amount of work can often make your company much stronger.
Your company can be strong. Explain what it takes to be strong and how it will be sustained.

KeyKey #4: Presentation Quality

"How can I believe they will succeed? I can not understand their Plan."

"I like the business but the Plan looks like it was done in high school."
You see your whole company. You know the staff, the suppliers, the customers and the products. What does the investor see?

Your materials must represent you well. They are a constant reminder about your company. Investors meet on their own with others.

What will investors show to those people you might never talk to?

The first impression is often the most important. Just about every investor will seek advice from others. Is there a clear statement about your company? About the investment opportunity? Are there pictures? Do graphs simplify trends and show the potential?

The content must include a clear Executive Summary. It serves two purposes. People who advise an investor can read only it and see that what your company says makes sense. The potential investor can read it again and again. It will provide what is needed to describe your company to others.

Ernst and Young, Inc. Magazine and several others provide thorough outlines for a business plan. If you want to know what sections to include, refer to them. Consider the more fundamental issues.
Is the Plan clear, compelling, realistic, repeatable and complete?
You put your Vision in the investors hands. Make sure it presents well.



KeyKey #5: Familiarity - Entrance & Exit

I am just not comfortable. It seems attractive but I just don't know. It just does not quite sit right.
Consider an analogy. Your friend calls, "I want you to come with me to Kurozai. You will like it there." You respond, "What is it like?"

In the beginning your company is unknown. "What is it like there?"

An investor needs to feel comfortable that the investment will "work". They need to see that someone will pay them more than they invest. Why will that happen? How? When? Is there a back-up plan?

People like Success. Investors want to repeat their successes.

Is your product unique? Be careful. That needs to be positioned carefully. If it is unique, maybe customers will not want to buy it. As an investor, how would you feel emotionally if you heard this:

This has been done before. We made some
improvements. The improvements are tested.
They work. Customers are excited.


Consider your product, your industry, and your business strategy. All need to feel familiar and comfortable before you get funded.
Take particular care with presenting your business strategy. What is familiar to you is new to us. What have investors seen before that is similar to what you will do? There are five different business strategies that investors particularly like. The five include acquisition, cookie cutter, turnaround and others.

Present, clarify, how your company is similar to what investors like and expect.

KeyKey #6: No Holes in the Management Team

"They need to fill out their management team."

Perhaps you can and should not afford to hire a Vice President of Marketing, another for Development and a third for Finance. Even when you do raise the money, you do not want to pay a lot of fat salaries.
"If they have not done it before, then we have to watch for several quarters."

One experienced highly capable executive is not likely to be able to build a company profitably unless there are other members of the team.

There always has to be someone to "watch the money", Finance. There has to be someone to generate the revenue, Marketing or Sales. In most industries someone has to make sure customers receive good product cost-effectively. Yet another person needs to oversee development of new products or services.

Put all that together and executive salaries can quickly exceed $700,000 per year.

What can you do?. Pull together to right Board of Advisors and the right set of service organizations.

If you do not have an executive who has generated the kind of revenue growth that you forecast, find one. Without one investors are likely to drag their feet for a very long time.

If you can not afford one, then rent one part time. Exxel can help. Show that high caliber people will help you succeed. Include executives who have done it before.

For very little money you can get the experience and depth needed for a major boost to your credibility.

KeyKey #7: Practical about Money

"I am afraid the money will be gone and they will not meet their projections."

"Did you see the kind of car that he drives? How about those oriental rugs?"

Appearance can be just as important as substance.

Maybe the oriental rugs came from your mother's house, but an investor would not know that. Consider the visible issues and a set of management reports that you can show to investors.
There are some very important and simple manual procedures that you can put in place to manage money. They vary somewhat from one industry to the next. Typically such a system includes daily reports about bank balances, receivables, payables and sales.

Procedures answer questions that could make you vulnerable. What will you change if revenue is below forecast? When will you add computers or expand the amount of space that you use?
Investors have seen disasters.

A company can be right on track and then let their cash disappear. Usually it disappears innocently enough with an inventory purchase, a build-out of a location or an investment that turned out not to be liquid. More often the cash disappears because of a combination of decisions. Each seemed prudent, but the decisions all added up to a very scary decline in cash.

One way to manage a company can cause cash balances to vary widely, as much as a whole month of revenue different from the end of one month to the next. Often there is another way to manage that will keep that change to one fifth as much.

The right, simple set of management reports and guidelines can make all of the difference. Show your investors that you know how to manage cash. If you have others doing it for you show the reports you get that make sure the CEO is in control. Clarify what rules will be used. Provide a written set of criteria to address any particular concerns about managing money that come up in your conversations with investors.

Address the fears that come up for every investor. Show a strong set of accounting controls and reports.

KeyKey #8: Third Party Support

"This company was recommended to me by one of the most experienced executives in their industry. She has been out there and likes what they are doing."

Less time to raise money and a better valuation can come about because of conversations between third parties and your potential investors. Those same experienced outsiders can sometimes recommend an idea that can save substantial money, a strategy that can win a major customer or provide an introduction that can bring in an important reseller.

Take the time to cultivate important suppliers and customers, to find good and well connected advisors. Your law firm, your accounting firm and Exxel can all help. Recruit and involve highly respected outside advisors. Have them advocate your cause.

Develop a Board of Advisors
Because they are not Directors, a Board of Advisors has no Liability. You can also be flexible with each Advisor about when and how their time is used. Ideally have at least 1 advisor in each Category: Large Accounting Firm, Respected Law Firm, Industry CEO, Industry Engineer, and an Angel Investor.


The right outside support can make the difference between ignoring your company and making an investment.



KeyKey #9: Compensate Participants

"It looked great but there was no clear exit strategy."
"The CEO did not seem like he would let go."
"It seemed like the sales people were likely to leave."

If you are the CEO, you have several audiences to serve. All need to receive good value from your company. If you seem likely to "hold on" too tightly, then investors will back away. Often it will be so subtle that you will not know why the investors stop returning your calls.
"I'm not giving up over 50%!" You can bring about that result without scaring away investors. Be careful.

Very soon after an initial contact from an investor the valuation will be discussed. If you are too high you lose the investor. If you are too low then you seem to eager, even desperate. If you refuse to set a valuation the investor is likely to think that you are really just thinking of a high valuation.

On valuation what is the solution? There are two.
  1. Get expert advice and set a valuation and structure that is in line with what investors would want. 
  2. Hire an investment banker, lawyer or other person to be the one to discuss valuation.
What about stock for employees? Salaries below market rates? Your own compensation? All of these issues and many more require  level-headed and reasonable answers. They are not new issues. Experience must be the guide. Find that experience and listen carefully to what it tells you.


Everyone should benefit while you keep your well earned portion.

KeyKey #10: Understand Investors

Understand each of the people, what they want and when the want it.
The process of working with professional institutions that invest is similar to the sales process for any large transactions.
Learn about the 'diligence process.' Who among the invetor's team has responsibility to understand your market, your technology, your plans and your management team? Expect and seek to get to know the person who is "sent in." Often such a person is the key to move from Interested to Serious.
When working with the team of one institution, look for the leaders. See who takes initiative and what other investor firms they syndicate with.

Who is a Lead Investor? and who seldom will be first to get involved? Who are the opinion leaders among investors in your space?

Assume that there will be multiple audiences including some who want "more detail" and some who want less.

Learn what you can and align both the frame of reference and self interest.



Beta test your investor sales process. As two sources for support seek out investor angels with experience in your industry and seek out a professional entrepreneur supporting partner at a well connected accounting firm another at such a law firm.
Just as you would for a new product or service, get feedback early from friends of the house. Refine the substance of your Plan and the presentation content with help from Allies.
Be true to your Vision. The true entrepreneur is one who stays with the vision molding and shaping how to get there, reducing every risk in the process.



Thank you for reading 10 Keys. It was originally written in 1997 and is posted at http://exxelinternational.com/10keys/index.html

BruceLynch

Sunday, February 13, 2011

@brucelynch Twitter history, about Economy, Stocks, Green, and Internet Marketing

brucelynch at twitter

http://www.twitter.com/brucelynch

Websites from Bruce Lynch

Exxel International includes advice for start-ups about Revenue and getting Funded
BruceLynch.com includes a Bio and Resume of Bruce with links to some of his writing
MostPopularAudio.com provides lists and links to Top 100 Songs, Albums and Youtube Music Videos.
15of.com describes 5 relationships techniques. Not only advice, but relationships technique descriptions for Gazing, Spooning, Active Listening and others.
http://brucelynch.blogspot.com  is about Stock and Options Day Trading, the Economy, and about Early Product Revenue and Start-ups
http://enhance617.blogspot.com is about Character, Greatness, Motivation, Happiness, Psychology and Practical Ideas. 

History of Tweets by Bruce Lynch

from June 2010 through 12 February 2011

Rising #interest rates stir debate on Fed's easy-money policy http://lat.ms/h9SWJF "30-year mortgage topped 5% this week" $TLT $IEF up soon? 12 February 2011

RT @clusterstock #China Spends $1 Billion To Fight Massive Drought Wrecking Wheat Crop @WhiteGM http://read.bi/gv3Vd8 #Wheat new highs $8.80 12 Feb 

RT @bfeld My weight: 211.5 lb. Eat less, exercise more (Goal: 190) | Try Food Combining http://weightloss.about.com/cs/foodcombining/ 12 Feb 

RT @DanB RT @davewiner: U.S. Manufacturing Decline Raises Concern About Innovation. http://bit.ly/eYO9Bq 11% down 3% 10 years #economy 12 Feb

Buy, then Set a Stop to sell $Eqpt ETF $17.92 | In 10:44a $18.28 stopped out $18.55 at 1:58p #daytrading http://bit.ly/fsGJrk 12 Feb #Egypt

Not sure $DIA up Monday? Go Long on a Stop, like $F at 16.26, $NFLX 231.72, $AMZN $189.76. Market down = $TZA $13.27, $FAZ 7.62 #daytrading 12 Feb 

Listen to Kathleen Hayes Advantage w Cargill Food Prices http://www.bloomberg.com/radio/# #bloomberg radio 10 Feb 

Buy, then Set a Stop to sell $Eqypt ETF at http://www.google.com/finance?q=egpt $17.92 10 Feb 

$Egpt Rallies! Market Vectors Egypt Index ETF (Public, NYSE:EGPT) 10 Feb 

@Google I/O Developer Conference is Must 2 b up on #Android #Cloud Native Client SDK #OpenID #HTML5 http://bit.ly/googleio1 #Startup funding 10 Feb 

@billgates @gatesfoundation 2011 annual letter http://bit.ly/billgates2011 Call http://twitter.com/johnkerry lobby 4 Foreign Aid @JohnKerry 10 Feb 

@gatesfoundation @WFP project matches rural farming women in #Africa sell their food at a market #WFP price: http://bit.ly/e44JOz $8,415 US
8 Feb 

Bill Silver = absolute expert Software Quality Assurance #SQA Automation http://bit.ly/sqa-bills High Code Coverage = fewer #bugs ask Bill 8 Feb 

"Profiles in Product Marketing" http://constructivemktg.com/?p=290 about Technology Marketing changes “Thought Leadership” 8 Feb 

feb 7 #China - more reductions of #RareEarths, down 72% in 2/d half of 2010. Secy Clinton “wake up call” for global policymakers. $SHZ $CREE 8 Feb 

Like #BMW? Perhaps a Blue Wagon. Auction: http://bit.ly/bmw-wagon1 Hope for $4900. Call me if you like. http://myworld.ebay.com/bwlynch617 8 Feb 

News Corp's http://.thedaily.com @nytimes > http://nyti.ms/thedaily1 $NWS = Big? "each week for 99 cents" target "educated, sophisticated" 8 Feb 2011

My #Toyota had Unwanted #Acceleration. Turned off the Key. Cause = My Fault. The carpet moved, stuck Pedal. http://bit.ly/acceleration1 8 Feb 

@BarackObama $Billions can be freed up. #SSI & #SSDI should reduce Gradually when one Earns. See my @whitehouse 4 details 7 Feb #policy

#Gasoline light comes at 1 Gallon left. How can you know when 2 miles left? 1. Listen 2. going Up a Hill, if Engine sputters, take Exit. 7 Feb 

enhance617 Boston Entrepreneur - Principles for Success & Happiness: Active Listening, a Technique to Increase Understa enhance617.blogspot.com/2011/02/active… 5 Feb 

"The Economic Outlook and Monetary and Fiscal Policy" by Ben Bernanke. 3-Feb http://bit.ly/ibP1kt $600 mil more by Fed by Mid-2011. Then? 5 Feb 

This Week's 5 Smartest Stock Moves from Motley Fool. http://bit.ly/ihGJK9 $NWS has a "Game Changer." $SODA has 22% in Sweden; USA next? 5 Feb 

#Economy heating up causes Steel, Copper, Oil, Wheat to go up. Will cause #economic-squeeze #inflation. $FCX $X $XLB $XOM $HES $UCO $ERX 1 Feb 

#daytrading in other @WSS acct #XOM #Exxon call option $XOM1128B80, +184%. Tomorrow = other Momentum Leaders. Market down > 0.5%, $FAS $QID 1 Feb 

@WallStreetSurvivor Febr contest. #1 so far, up 41%. Best #Call option on $TNA 3x Small Cap Index, up only 28% $TNA1128B75 #daytrading 1 Feb 

I just setup @EzineArticles to tweet my newly published articles: http://Twitter.EzineArticles.com for Relationship Help & Techniques. Soo
31 Jan 

Daniel Isn't Talking shows the depth of commitment and the drama of helping him say his first words and then to hig... http://nyti.ms/gU3Bt3 30 Jan by Marti Leimbach

at #Davos Optimism is high, Deal Making active. http://bloom.bg/hehpuL "Confidence among CEOs has rebounded to pre-crisis levels" PWCoopers 30 Jan 2011

Compare #android phones: http://www.phonearena.com/phones/compare | @Motorola #Defy is fast, 512Mb RAM, 2Gig, 5 MegaPix http://bit.ly/fRZq48 30 Jan 

@amazon wireless has 7 DROID phones form $0.01 w @Verizon Photo of HTC DROID Incredible -> http://bit.ly/hPYzSL 30 Jan 

RT @billgates from #Davos on Facebook Live with Sheryl Sandberg <SNIP> http://on.fb.me/e3ElJZ & #Bono of #U2 about #AIDS, Poverty 30 Jan 

RT @timlisten30 Bullish Stock: $FAZ +4.89% stock on my list http://bit.ly/dVWCHe | $FAZ always good Bear choice = 3X Short of Financials

RT @andyabramson To Port or Not To Port To Google Voice http://bit.ly/hNzPWg | Try G Voice to screen, forward 4 voicemail to text (#Dragon)

RT @greenexoticcar RT @USGBC How can I clean up my air quality <snip> | Use Ozone Generator http://en.wikipedia.org/wiki/Ozone_generator 30 Jan 

RT @davos Addressing risk at #Davos Annual Meeting 2011 - Kevin Steinberg http://wef.ch/3Z Guest Blog Post @kswef #WEF | affects #Economy 30 Jan 

RT @clusterstock $Oil ETF Call Trades Soar To Record On Middle East Chaos With Crude Oil Futures Back Near Highs http://read.bi/hg9zaj $UCO 30 Jan 

My blog post: "Web sites for Day Trading stocks, ETFs, Options real time quotes. Fantasy stock trading" http://bit.ly/day-trading1

My #green web site is for sale at http://bit.ly/greenfuelhq GreenFuelHQ.com is for sale. write about Green FUELs, or Retail & Wholesale. 27 Jan 

Long $NFLX1118B190 at Open today. Is NFLX CALL at 190 Feb 11. Bought 20 each at $8.95. Now at $22.62 up $13.82 to $45,240.00 152.74% 27 Jan 2011


The Semi-conductor index up huge $SOLX $SMU $CRUS $KLAC. Fastest = 3x $SOXL http://www.google.com/finance?q=soxl #daytrading 27 Jan 

#Cotton is an example: See WSJ at 140 year high --> http://on.wsj.com/fjvTQq | Commodity and Food increases may Squeeze #Economy $OIL $COPX 27 Jan #inflation #food-prices

$NFLX, NetFlix is an amazing company. Stock 1 year ago was $50 now over $200. Subscribers up 7 million. Intl now starting. $NFLX1119B200 26 Jan 

http://www.direxionshares.com/etfs <-- great list of mostly high volume 3x times magnification #ETFs - $FAS $ERX $TNA $CZM $SOXL r my Favs 26 Jan 

What #Android phone and cellular carrier is good for low usage, low minutes but high data usage? 26 Jan 

Mark Twain was brilliant and disciplined. Learn about his joys and challenges. http://amzn.to/dPBVAf (via @GetGlue) 26 Jan 

a house in India has 57 stories, 3 heli-pads http://bit.ly/f5d8XY | Conspicuous consumption can create Jealousy 24 Jan 

credit @GuyKawasaki RT #Couples communicate no better than strangers http://is.gd/d... | because of bad #Expectations of Context. hot = up AC? 22 Jan 

in "#Couples #communicate same to strangers" at Futurity http://bit.ly/miscommunicate1 what we Expect is big. "getting hot in here" means?  22 Jan 

cool "Discover risk factors for 95 diseases." https://www.23andme.com #health

Global investment in #green energy hit record in 2010 grist.org/article/2011-0… via @grist 17 Jan 

"#China Again Cuts Export Quota on Rare-Earth Metals - WSJ.com" Jan 29 | RareEarths are booming http://on.wsj.com/hwb95v $REE $SHZ $AVL 13 Jan 

Greenland Mineral and Energy LTD is a miner of Rare Earths = RE $GDLNF.PK http://yhoo.it/rareearth1 RE boom in hybrids, electrics 13 Jan 

RT @GuyKawasaki 49 out of 50 states have snow right now http://is.gd/kBkhC | Why? Jet Streams are changing http://bit.ly/commodity-analysis1 12 Jan 

@exectweets ExecTweets "All life is an experiment. The more experiments you make the better."--Ralph Waldo Emerson 12 Jan  #philosophy

RT @greenexoticcar RT @autobloggreen Getaround.com offers carsharing http://sns.ly/ - #zipcar like but peer-to-peer rent your Tesla $25/hour 12 Jan #electriccar

Global #Commodity prices up 100% since 2009 low http://bit.ly/commodity-index #economy | may stall economy http://bit.ly/commodity-analysis1 12 Jan 

Why is the #Weather is so odd? http://bit.ly/jetstream-changing <-- explains the Jet Streams are changing from #GlobalWarming #350 12 Jan  

Abraham #Maslow clarified 18 subtle motivations http://bit.ly/ollow-your-bliss1 <- book. Me > http://exxelinternational.com/docs/maslow.html 31 Dec 2010

@nytimes Best Tech Ideas of 2010 http://nyti.ms/eBNGGD a Samsung remote screen shows tv; deposit check #iphone http://bit.ly/deposit-photo1 30 Dec 

$REE the Rare Earths ETF up 16% today. $MCP, $MOS, $MON all moving 30 Dec 

Coby Tablet seems reliable. Great $170 price. http://amzn.to/e8WXBD #CobyKyrosMID70157InchInternetTouchscreenTabletBlack (via @GetGlue) 28 Dec 

$MCP $GMO $REE making big moves from rare materials squeeze 28 Dec 2010

"#EPA Gives Power Plants, Oil Refineries Deadline to Clean Up" ? impact on Refineries like $TSO $SUN & Power industries http://bit.ly/hvtTLi 27 Dec 2010

Faith, how does it work? Faith as a Force independent of God. my blog -> http://enhance617.blogspot.com/2010/12/faith-how-does-it-work.html 26 Dec 

New Englanders: QuietD is on TV http://www.wbur.org/2010/12/24/reality-show-for-boston-artists <-- Listen to NPR. @WarrenLynch films it 24 Dec 

The #About Page of your #Website can be optimized. What to cover? Read --> http://seo.site-reference.com/optimize-your-about-page #SEO 13 Dec 

Interesting article. Good #bloggers checklist. http://lnkd.in/V44J38 12 Dec 

What #Droid phone and plan is good for 300 minutes a month? 12 Dec 

$FAS1018L24 is a Call Option, one way to leverage $FAS upside 11 Dec  

$XLF is way ahead of $XLK is recent trend. $FAS multiplies $XLF. Chart -> http://bit.ly/fas-xlf Buy then Stop out of $FAS at $26.58 11 Dec  

$NENE has #Solar Windows 300% more efficient than other #Solar. Put on normal windows. New Highs, Huge Upside. http://bit.ly/nene-up 11 Dec #green #stocks


$CREE LED Indoor lighting shows 16 watt use for 100 watts of light with #CFLs at 26 watts, CFL bulbs are environmentally bad. 11 Dec  #green #stocks


#Economy Up. Consensus 3% 2011 now increase 0.2%+ from #tax agreement IF it Passes. Watch market $QQQQ $DIA swing if Not Pass likely :-) 11 Dec


#OIL price up means $UCO $ERX up faster than Oil. $OIL compare to http://www.google.com/finance?q=NYSE:UCO 11 Dec


RT: FT #Opec sees no need for output change: Some analysts predict #oil prices to rise to $100 per barrel ... | Crunch coming; Down #DIA? 11 Dec


#Google #GOOG launches new #Chrome OS. Compete w #Windows. http://bit.ly/chrome-os1 <- @Techcrunch reports 11 Dec


Check this video of me reading, Preaching: #Bible 1 Corinthians 13 about selfless Love. Apostle Paul http://bit.ly/bruce-bible-love @youtube 11 Dec


Check this video out -- me reading #Bible the Beautitudes Matthew 5: 1-16 youtube.com/watch?v=QSWpoP… via @youtube Sermon on the Mount. Traits
11 Dec


Check out Groupon's daily deal - huge discounts on the coolest stuff in your city... groupon.com/?utm_campaign=… | What a phenomena!


$CREE in 1q2011 to ship Indoor #LED 100 watt light uses 14 watts #CFL is 26 watts. http://bit.ly/led-cree $CREE = new recent highs #green 10 Dec


$NENE makes spray on Solar Windows that can gene energy from street lights. Major energy source. Solar cost Way Down. http://bit.ly/nene2 6 Dec


RT @mashable Skype Video Chat Coming to Facebook? - http://on.mash.to/gXUAv0 | Maybe FB wll fix emaill too :-)
28 Nov


For Fast Money, my financial #domain name is for sale. http://forfastmoney.com Get Referral fees from Lenders, Cash Advances, Gold buyers 28 Nov


6 year old Connie sings http://bit.ly/connie-sings at youtube from Britains Got Talent or Americas Got Talent | reminds of Gwynn, g-daughter 28 Nov


Who will make a fully functional #Android Home Phone? @kenradio might know 21 Nov


#SSDI, #SSI, #SocialSecurity receivers cant make over $500 a month or loose their check if do 9 months. Incentive is to NOT WORK. Ugh! 17 Nov #policy #government 


#government should fund adding lanes to #highways in big cities to reduce #emissions, up #productivity. Policy Idea 17 Nov 2010 #green


@gothamchopra Compassion is an active powerful force | Aligning w only good people helps 15 Nov #philosophy


New Biz Concept: a #Bank for Lonely. A new brand and segment should have live people for bank balances, history, transfers. S-one 2 talk 2 15 Nov


#Prices of #cotton, #copper, #oil, we all are very high. Like #cpi Cost #Inflation next 6 months. $GLD, $iag $gg $hl $fcx w zoom. 15 Nov


#Economy is heating up. Retail sales will surprise. Fed's #QE2 helps confidence. Basic prices: #oil, cotton, wheat, are up. #CPI up soon. 15 Nov 2010


Basic resource prices going up. Mongolia Mining is resource #stock in #china http://on.wsj.com/mongol-mine huge potential. $gmo also 10 Nov


Do you care about your country? If you are patriotic, then Make Time to #Vote Tuesday. Who, Where? Zip Code http://bit.ly/vote-locator 31 Oct


#Stock Market Websites listed for free Real Time Quotes, Day Trading of #Stocks, #ETFs, stock #Options My new page: http://bit.ly/trade-sites


Self diagnosis often works 4 #health. LoveToKnow 4 herbs (Dandelion, Gingko) http://bit.ly/... Symptom Search HealthLine: http://bit.ly/symp 28 Oct


Employee Equity: Options @avc Fred Wilson covers the basics for #startups http://t.co/DbsjFIT 19 Oct


#Bernanke says #inflation is too low http://usat.ly/lbernanke-low | Prices up on $copa $gld $oil $xlb wheat corn, all r inflationary 16 Oct


Melinda Gates says like Coke $KO, create local people networks & data helps #NGOs adapt, serve better. http://bit.ly/melinda-coke Ted Talk 16 Oct


Seesmic just helped me delete 2 of my posts; can post to Facebook, TeitterW, Linkedin, Google 16 Oct


#bookmarking http://getglue.com should integrate w youtube, last.fm | Playlists should be every where. Rank 1 to 100, not only Like 16 Oct


"Top 50 Branded Facebook Fan Pages Sept 2010" | Choose yours: $sbux $goog youtube $ko =coke Oreos= $kft $aapl $dis http://bit.ly/dgG9AY 15 Oct


Choice + Certainty = Formula. GT Confidence> Faith RT: @DeepakChopra Everything is possible. When you make a choice, you change the future. #philisophy


#cameras, #ads will be everywhere soon. RT: GuyKawasaki Human billboards grabbing consumer attention http://tinyurl... 15 Oct


RickLucash Richard Lucash exited that our 10/20 BREW program Insiders Guide to Early Stage Fundraising is SOLD OUT (with UKTI) 15 Oct


Now is Low volatility, small #stocks swings RT: StockTwits The VIX and the 20, 2 Bollinger Bands http://stk.ly/... via @AGWarner 15 Oct


$goog at $590 vs 54.93 close; Earnings. Don't miss next one; See #earnings Calendar: http://biz.yahoo.com/research/earncal/today.html
15 Oct


Google Building Robot-Driven Cars. * http://read.bi/b9eyFv 12 Oct


@GuyKawasaki The Cancer likes Fish Oil, perhaps.7 Oct 2010


In #Relationships, 1 wants 2 Be Heard, other wants Action. Action person should use Active Listening & Delay. http://bit.ly/being-heard 7 Oct


Day Trading #stocks, the 3X leverage #ETFs move the fastest. I use $FAS then options Long and Short | New 52 week highs, $AAPL NFLX Long


Stock Traders: Nasdaq Pre-Market Heat map shows what is hot, cold before the Open http://screening.nasdaq.com/heatmaps/heatmap_pmi.asp 11 Sep


#stock traders: barchart.com's 52 week highs http://bit.ly/52week-highs finds Momentum #stocks Largest: Q MO CIM BMY KO PM CCE ADM DTV AXP 11 Sep


What Motivates you? Abraham Maslow studied subtle. Learn yours from 18: Aliveness, Beauty, Completion ... http://bit.ly/motivations 11 Sep


my "10 Keys to a Business Plan that Gets Funded" clarifies Issues to address w examples. #startups #plans http://bit.ly/10keys-plan 11 Sep


RT @TechCrunch: How to Launch In 10 Steps With Less Than $2,000 http://tcrn.ch/startup2000 by @evelynrusli | a very Practial list @startups 29 Aug


See Searches per day for each website each #keyword phrase, #seo. Use free Keyword Generator: http://www.submitexpress.com/keytracker.php 29 Aug


RT @mashable: Leftronic Launches the Business Dashboard of the Future - http://mash.to/2ufkK | Track sales, shipments. calls Visually 24 Aug


RT @NECEC: RT @Energy: why Maine leads the way in #weatherization: http://go.usa.gov/cVu | nationwide 31,000 homes June http://bit.ly/bEToMV
24 Aug


RT @TechCrunch: The Kindle Won, Part II: Kindle Outselling iBooks Like Wow - http://tcrn.ch/9PsfHt by @johnbiggs | Kindle optimizes reading 23 Aug


RT @gatesfoundation: Thanks to the Global Fund, 22.5 million nets were delivered to sub-Saharan Africa. #endmalaria http://bit.ly/GFmeA2 23 Aug 2010


My website http://MostPopularAudio.com has nice quick, direct links to most popular radio stations: CNN, WINS, NPR, Fox, CBS, KIIS, Z100 23 Aug


#Bing has now has Visual search option. Example is of most popular albums this week: http://bit.ly/bing-visual 23 Aug


http://strands.com lets you post to Twiiter, Facebook at same time; no on/off like #tweetdeck. No char count. ugh! via http://strands.com 21 Aug


RT @GuyKawasaki: Hulu readying I.P.O. http://holykaw.alltop.com/hulu-readying-ipo 17 Aug


#geoengineering recd $300,000 from Bill Gates gen a 10,000 sq km water high in air to reduce #climatechange. http://bit.ly/geoengineer1 17 Aug 2010


#climatechange makes Hurricanes more severe. If Orange Tree damage, November OJ up more than Jan OJ, a Bull Spread. http://bit.ly/oj-charts 15 Aug 2010


RT @guykawasaki How to get more Twitter followers: http://om.ly/rDnZ


RT @StockTwits: the Hindenburg Omen predicts big #stock market decline. Why? Both many 52 week Highs & Lows http://stk.ly/cFYi2P $$ 15 Aug


RT @GuyKawasaki: 100 famous writers to follow on Twitter: http://bit.ly/famous-writers A great list. Skim it. From Barack to Jack Welch 15 Aug


Earnings of $POT = high fertilizer demand. http://bit.ly/bjuF0M $wheat, at $5 in June, now over $7.50: http://bit.ly/daNYbD Food demand up
6 Aug


For short term, stock, #ETF, option ideas, see the PreMarket most High, most low at http://screening.nasdaq.com/heatmaps/heatmap_pmi.asp 6 Aug 2010 #daytrading #stocks


http://Seismic.com web interface posts to Twitter, Facebook, Linkedin and Google Buzz at the same time 29 Jul 2010 [I Use Seismic regularly.]


Google's Caffeine search is in Beta. New reqts to Rank well described at http://www.sitepronews.com/archives/2010/jul/28.html


http://my.alltop.com efficiently presents a wide range of #news from respected sources. Configure yours. #productivity
28 Jul


RT @fredwilson: if you have a creative project & don't know how to fund it, read this post http://bit.ly/aPELRu @startups Kickstarter.com 28 Jul 2010


The Successful Optiimist http://bit.ly/a5Ihod @startups Entreprenuer Magazine Optimists and Pessimist advantages 28 Jul 2010


RT @bfeld: RT @timoreilly: .@fredwilson on the #Startup Showcase we're doing together at Web 2.0 Expo NY http://bit.ly/allsF8 #w2e 28 Jul


RT @mashable: Stop Making E-mail Etiquette Errors: Here’s How - http://ow.ly/2i26T 28 Jul


iPad uses, make handwritten notes. Buy @DanB Dan Bricklin's Note Taker HD http://bit.ly/dqh2NO at iTunes: http://bit.ly/aNmSv0


$CREE a hot stock. New EasyWhite technology simplifies LED color, lowers cost. http://bit.ly/9FdWh9 $750 mil sales. LED market heating up. 26 Jul


#financialreform Capital Ratios primary feature; seem reasonable. Program Trading not in Bank Company. Risk Oversight. http://bit.ly/9b9cEg 22 Jul


#Oil Prices: Over-supply may dry up soon. Stock Market levels predict economic growth. China Oil Demand up. http://theoildrum.com predicts 20 Jul 2010


Improve your website by measuring. A/B Splits nicely discussed by ReadWriteWeb.com article http://bit.ly/a-b-splits 20 Jul 2010


@mashable Pete Cashmore by Google Buys 20 Years’ Worth of #Wind Farm Energy - http://ow.ly/2e7YV
20 Jul


google.com/finance stopped real time quotes for over an hour. great site normally for active stock, etf traders and chart analysis 20 Jul


"March to the beat of your own drummer," seems the message as Hermann Hesse w Siddhartha talks to Gautama Bhuddha. http://bit.ly/bOx1LB Pg69 14 Jul


RT @sboi: http://bit.ly/9Qpazh See his Universal Words of Wisdom. Can your words improve the Silence? Happy Sunday! 11 Jul


Dale Carnegie's "How to win friends and influence people" is a Classic. Nice diagram, summary is at: http://bit.ly/apthxX
11 Jul


RT @WWF_Climate: #WWFUS First Half of 2010 Sets Global Temperature Record: Global temperature ... http://bit.ly/9SV1QG #climate 9 Jul


Time for leaders to lead: I just demanded that they put #solar panels on their homes on 10/10/10. Join me at www.PutSolarOn.It 9 Jul


@DanB Swimming is therapeutic. Crystal Lake is wonder filled. 7 Jul


What is the meaning of being Who you Are? See brucelynch as enhance617 talk about the Sermon on the Mount. Mystic teachings can trigger Joy. http://bit.ly/ccN9Wq 5 Jul 2010


RT @GuyKawasaki: Will all farms in the future be indoors? http://tinyurl.com/2bpg63d | Yields r very high using hydroponics 26 Jun


BioSolar produces water proof #solar Backsheets bio-based materials from plants that reduce the cost per watt of #solar cells. http://bit.ly/cA6BEp 26 Jun


Converted #Organics Nasdaq:COIN produces high-quality, all-natural, organic soil fertilizer by food waste recycling. http://bit.ly/d57zzk 26 Jun


rt @bfeld Is there a rule for how long united can hold you hostage on a plane. | Answer = No. 3 hours max is proposed legislation 25 Jun


3 words for 2010. What r your's? Mine: Halting how the Economy will progress China for its huge resource use Opportunity know where to look 25 Jun


#futurism Forward thru 2046 http://bit.ly/atYr92 2015 Genetic profiling. Human cloning. Autopilot vehicles. 2016-2025 VR immersion, robots. 22 Jun 2010


RT @timoreilly: #China on #energy and national security http://nyti.ms/bNGrBc China has major companies in Solar, Wind, Oil, Coal 20 Jun


RT @mashable: Now Trending on Mashable: "10 Fun Facts You Didn’t Know About Google" - http://bit.ly/98azRB Dogs. T-Rex, interesting 20 Jun


13of.com is a great 4 character domain. Seeking $995 at my ebay auction: http://bit.ly/bFFy0X Sell loans, clothing. Top 13 lists.
15 Jun


http://13of.com is for sale has 663 million google results http://bit.ly/9sVJlF Very High
14 Jun


@brucelynch Bruce Lynch
http://ForFastMoney is in my auction at ebay http://bit.ly/91RcmZ Please bid $108. - Bruce Sell Loans, advances, web books. 163 mil google