Show Overview:

Are you about to experience a big, fat “Google slap?”

Silicon Valley web designer and developer Karen Sielski says, “Yes.. unless your website is mobile friendly.”

Many business owners could see the website rankings they’ve worked so hard to achieve tank overnight. Google  has decided to penalize those sites it deems unfriendly to smart phones, tablets, and other mobile devices.  This could have a devastating effect, especially on those who sell their wares online or who rely on search to drive customers to their businesses.

Karen will also discuss the importance of creating sites that are aesthetically pleasing AND track well in search, and how to have sites that look like they cost THOUSANDS, while only spending HUNDREDS.

Learn more about the upcoming Google change on Karen’s site, www.AutopilotOnlineSuccess.com

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About Karen Sielski

Karen SielskiKaren Sielski is a leading authority on website design and online marketing for businesses ready to expand their revenue and profit. She is known for her vast knowledge of online marketing techniques coupled with creative approaches to make online campaigns more effective and increase online profits.

Karen is able to leverage her advanced computer science degree from Johns Hopkins University and long career in high tech working for companies such as Intuit and Sun Microsystems to design and implement effective websites and highly profitable online campaigns.

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Show Overview:
“You’re Gonna Need A Bigger Boat!” What You MUST Know About Obamacare.

In this show, Rick Liuag will give you a “no politics” “no baloney” view of the ACA and the effects of its’ full implementation in 2015.

Business owners DO have options when it comes to Obamacare, and Rick will tell them what they need to do to ensure that the ACA has as little impact as possible on their bottom lines.

Rick is one of the few people around who has actually studied and read every page of the ACA, so he knows what things individuals, families, seniors and business owners need to know in order to survive it.

Get your copy of “Obamacare Bootcamp for Business Owners”.

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Guest Bio

Rick LiuagRick Liuag, author of “How to Build Your Own Online Insurance Agency.” and “You’re Gonna Need A Bigger Boat,” is president of Rick Liuag Insurance Agency. He has worked with dozens of small business owners, clubs and organizations, as well as self employed professionals to help them understand and navigate the requirements of Obamacare.

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In the entrepreneurial ecosystem, business owners looking for an exit strategy are likely to find 2014 an optimal year for selling. Peter Lehrman, Entrepreneur Magazine

Timing any market is always a tricky proposition, especially in this era of diminishing returns and lowered expectations. The market for selling a small to mid-sized business is no exception.

Anyone considering selling a business, especially boomer business owners thinking about retirement, should have a list of compelling reasons why they want to sell and a plan to help them do so.

For most business owners, the timing will never be perfect, so waiting until the ideal moment to sell could be an impractical course of action. However, certain indicators are pointing to a better than average success rate for selling a business in 2014.

That’s why it’s a good idea to employ strategies right now that will help you get the maximum money for your business.

2014: The “Year of The Seller?”

Three or four years of turmoil in a struggling economy makes some business owners understandably cautious when it comes to optimistic projections for 2014. However, there are some very good indicators pointing to the possibility of a perfect selling environment for at least the next 18 months or so.

For example:

• The majority of businesses have experienced increased profitability for the past 2-3 years.

For numerous business owners, 2008-2010 were flat as far as profits were concerned. Those who survived this period felt lucky to break even, much less put profits on the books. With demand down across the country for services and solutions, business owners were unhappily treading water.

However, the recession is slowly retreating, allowing businesses to recover. Many are now in a position to show the three or four years of solid growth that qualified buyers want to see when they build projection models.

The ability for a company to demonstrate upward trends in their financials shows prospective buyers that it is right to make positive projections for future growth. This in turn gives owners better valuations and does wonders to make the deal viable. Buyers want to know that a business they purchase is poised to survive even a serious economic downturn.

• Low interest rates (for a little while longer, anyway)

You don’t have to have an advanced degree in economics to understand that the artificially maintained low interest rates we now experience will soon be a thing of the past. Forecasters have been fretting that the Federal Reserve will be forced to curtail its’ bond-buying program soon.

A growing number of experts now say that 2014 could be the year when that finally occurs. This means, naturally, that waiting too long to sell might mean an owner will see higher interest rates and a lower price for his or her business.

The reason for this is that interest rates always have a direct impact on the price of capital used to purchase a company. Buyers who rely on loans to acquire a business will feel the sting of these rising rates since earnings are used to pay the interest on loans. An increase in the price of capital will almost certainly lead to lower valuations for businesses.

It makes sense that the more expensive it is for buyers to get capital, the less willing they are to pay top price for a business. As soon as rates begin to rise in 2014, there will be a negative impact on business valuations.

• Low levels of debt and lots of positive cash flow

Credit Suisse reported in February, 2014 that 73 percent of U.S. companies and 56 percent of European companies have incredibly low levels of debt on their balance sheets compared to their total market capitalization.

Private equity companies are awash in cash, with nearly $1.1 TRILLION in cash on hand. At the same time, levels of corporate debt are falling to new lows. So, what does this mean for you as a business owner who is seriously considering selling?

Well, for one thing, since all this cash needs to go someplace other than under the CEO’s mattress, private buying groups will be out en masse looking for successful businesses they can buy and from which they can see immediate cash flow.

For another thing, there is a natural mood elevation that goes on when so many dollars are in play.The old saying “a rising tide lifts all boats” is applicable here. Every billion dollar mega-deal that goes down makes every smaller business deal more attractive. Small businesses are sure to benefit from the optimism that comes with any boom.

• Changing demographics are pushing boomers to sell.

The first half of the “Baby Boomer bubble” (2005-2010) has passed. During that period, older Boomers were able to sell to younger boomers, although the success rate was still a mere 3%.

However recent research indicates that the number of boomer owners indicating they wanted to retire increased from 50,000 in 2001 to over 750,000 in 2009.

It is possible we could see over one million businesses go on the market in the next 10-15 years in a transition tsunami. If this holds true, then it makes sense to sell ahead of the herd and reap the benefits of the current buying frenzy fueled by low debt levels and loads of cash.

Even if you think you aren’t ready to leave your business yet, you should plan as if you are. Positioning your business to sell is never a bad idea or waste of time.

By crafting a well-thought-out exit plan, you will be prepared if circumstances (either good or bad) push you to sell, or if you get an offer from a qualified buyer that you just can’t afford to pass up.

You never know, maybe 2014 will be the year you make a profitable transition from your business and start enjoying everything for which you’ve worked so hard.

Get our free report, “How to Sell Your Business, Receive Cash Flow For Life, And Pay Zero Taxes” or Call us at 210-369-4161 to discuss the sale of your business.

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Baby boomer business owners are retiring in record numbers only to learn that selling their business is a lot harder than it looks. One of the main reasons there is only a 3% success rate for owners who sell their businesses in the United States is the presence of business brokers.

In this video, we’ll show you why you should avoid using business brokers when the time comes to sell. We have tons of excellent resources available for baby boomer business owners who want to sell their businesses with less stress, sell for more money, and pay zero taxes.

The unique Delta Solution is changing the landscape of business selling forever. Check out the video now.

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No thinking person would ever willingly choose to throw their time, money, and effort into an investment that yielded them only a 3% return (or less).

Yet, that is precisely what happens, day in and day out, when business owners sell their businesses. Sellers in today’s market are at the mercy of a broken, inefficient system dominated by incompetent brokers who contribute little to the process. Since most business owners do not have business succession plans in place, they are unprepared to gain the upper hand in the complex, fragile undertaking of getting their companies sold successfully.

Industry statistics paint a dismal picture: the odds are stacked against any seller who wants to sell in today’s marketplace and the situation shows no signs of improving in the future. Over 368,000 business owners turn 65 every year. Of those, around 226,000 say they want or need to sell their businesses and retire. However, the current system closes only a fraction of sales, a mere 24,000 or so a year.

These horrible statistics are having a big impact on all sellers, but are especially hard on Boomer owners looking to retire. Because they have such a low expectation of selling, many owners are forced to stay in their businesses even when they have health, family, or other situations that need their immediate attention. You don’t have to talk to too many owners to realize they are stressed-out, tired, and afraid for their futures. The system is irrevocably broken and hindered by factors such as a lack of qualified, competent buyers, too much third-party involvement (business brokers, lawyers, banks, etc.) and too many investment choices for the small pool of buyers that exists.

When I began my business career, it didn’t take long for me to realize that those of us in the business of buying and selling successful small businesses needed to come up with viable alternatives. After examining over 300 deals, deals in which nearly every seller was getting hosed, I came up with what I called the “Delta Solution.” My partner and I determined that certain key elements MUST be included in any deal in order to ensure a successful outcome for sellers.

Before discussing the best plan for dealing with shortcomings in the business selling process, let’s take a look at a typical scenario. While this is a fictional illustration, it will help you understand the challenges you face as an owner who wants to sell his or her business and give you an idea of how a new approach will work.

Let’s say that Anthony owns an air conditioning and refrigeration company with revenues around $2 million dollars a year. Anthony’s business creates approximately $300,000 in cash profits per year. In a traditional selling situation, the company, if it sold at all, would probably sell for between $900,000 and $1,000,000.

After paying broker fees, (10% or more), professional fees, and taxes (at least 20%), Anthony would be left with around $700,000 in cash profits from the sale. More than likely, especially if he is near retirement age, he will be faced with investing that money securely, so that it will generate a stream of income but not face exposure to risk.

The problem with this understandably conservative approach is that Anthony, even if he is a pretty savvy investor, is likely to get a 10% return at most. So, he now winds up going from a lifestyle based on a $300,000 a year income to one in which he makes only $70,000 a year. This represents a huge change in lifestyle; one which Anthony and his family are unwilling to make.

Unfortunately, unless he is exposed to another way of selling, Anthony may find he has no other choice when he decides to he needs to leave his business. This is the type of situation faced by business owners every day and it has long-term repercussions for the entire economy.

Sellers want and need:

• A quick, efficient sale that takes weeks, instead of years.

• Predictable, secure income that they will not outlive.

• No broker fees

• Less tax or no tax at all

• Competent buyers who will grow their business and not run it into the ground

Our experience led my partner and I to believe that the only way to achieve these goals was to create a method of selling that sets up a business so that it becomes an annuity.

Properly structured, with an iron clad, asset-backed guarantee that removes all risk for the seller, such a plan is radically different than anything currently being done. The ideal exit strategy would, first of all, provide the owner with qualified, competent buyers committed to growing the business and keeping it intact.

It would create a steady, reliable monthly paycheck for the owner that contains a cost of living adjustment and a guarantee to alleviate risk. Ideally, a balloon payment to the family would occur upon the owner’s death. The entire process of selling would take only a few weeks instead of several months or years, allowing the seller to get on with the rest of his or her life more quickly.

If you are an owner looking to sell your successful business, you can’t afford to settle for anything less than the criteria I mentioned above.

You certainly can’t afford to turn this crucial phase of your life over to an incompetent, commission-drive business broker.

I encourage you to check out the recent webinar I did which explains in more detail how business owners can successfully retire with more money, a lifetime stream of income, and with paying a lot less in taxes.

To watch the webinar, click here.

If you like what you see and want to explore these alternatives further, please visit our Getting Started page.

Delta Business Services is the only company in the United States to offer this unique 5 step strategy that gives business sellers the upper hand when the time comes to exit. Delta is passionate about helping sellers of small businesses find the best, most qualified buyers, avoiding paying unnecessary fees and taxes, and creating a lifetime income from the sale of their company that they will never outlive.

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