Welcome to RBIPLAN. While most websites are written by professional web designers you will notice something different here at RBIPlan. After this sentence everything you read is written directly by Charles Hennebeul, the founder of American Cash Solutions Inc. April 22, 2010
Hello, my name is Charles G Hennebeul. I have been in the residential banking industry from 1996 to 2007. I was part of the smaller group of people in the banking industry that felt before the Mortgage Market Crash of 2007 that trouble was brewing. As far as I know, none of my customers went into foreclosure from any loan I originated. I am very proud of this because in 99.99% of residential loans the fixed rate was a better option than the adjustable. In some cases I lost business because borrowers fell into the sad trap of listening to a competitor selling adjustable rates that could have been a fixed rate. I am considering returning to the residential banking industry. For now I am enjoying not having to work in an industry that still needs to handle many problems including the impact of potential higher interest rates on home prices.
April 30th 2010
We are going through a phase where customers are starting to eliminate their credit cards and mortgages either through settlements, bankruptcy or payoff. http://www.msnbc.msn.com/id/36829324/ns/business-economy_at_a_crossroads/
While many people suffered from receiving to much credit from credit cards, and adjustable rates instead of more appropriate fixed rates there comes a certain point where the debt is resolved. Even small businesses go through similiar problems with business debt since the "promise to pay" is very simple. What is not simple is when the consumer or business can not pay due to an increase in the interest rate which also increases the monthly payment. While the monthly payment goes up, what happens when your sales go down? What a recipe for disaster. May 5th, 2010
Great Sales Video by Rick Corbett Jr!!!
May 9th 2010
Happy Mother's Day to all the Mom's out there. If you are a Mom and own a business, double Happy Mother's Day. This is a great article on The Amish success rate. I don't expect you to agree with every aspect of every article I post (I don't!). I want the readers to learn something. I learned the Amish stick with what they know. Well once you know how to make something that doesn't spell final success. Plent of businesses had millions of dollars in assets and lost it all (Enron, Lehman Brothers, Bear Stearns). Read on and Rock on! http://money.cnn.com/2010/05/04/smallbusiness/amish_business_success/index.htm
May 19th 2010 Soon it will be June. Does this create a selling advantage for your business? Are you creating selling opportunities for your business? Are you ignoring new business accounts and focusing to much on internet reliance. Remember, the internet is just one source of marketing and sales! How are you connecting with people in your offline strategy?
June 2010 RIP Dad -written October 5th 2010
Many of you knew my father passed away at the early age of 68. It was diabetes. Even in the 1990s the public was still learning about the dangers of diabetes. My Dad was a very successful businessman to the point that before his sickness he was set to move the family to Beverly Hills in 1999. Sadly the next ten years of his life would be between wheel chairs, nursing homes, hospitals, and his bed. I am writing this on October 5th 2010...only now can I talk about this. If you are "thinking" about losing the weiht because your doctor is warning you about diabetes stop "thinking"about it because you risk losing much more than money by not listening to your doctor. A wise man once said,"If you aint healthy, aint no point in being wealthy!" That's a priceless business and personal tip!
February 2011
Wow! There is so much going on lately. The economy is recovering but the gap between the haves and the have nots may have widened. We are watching the people in Egypt, Libya and other Middle East countries overthrow dictators. The Dow was headed full steam ahead towards 13,000 and Gold actually passed 1400 after 2/22/2011!! Union Lovers and Union Busters are clashing across America.
Services Offered by American Cash Solutions Inc.
Our service is now information!!!!
Utlizing a decade plus of banking connections Mr. Hennebeul will bring you free information on how to run your business.
How to package your SBA Loan: SBA Loan Packaging. For Full Loan packaging the Company charges $2500.00 by check or credit card (no cash payments are accepted). I also WRITE about what's NEWS in the SBA Industry.
American Cash Solutions Inc, in its role as an independent loan packager does not and can not charge loan packaging fees based on the size of any SBA Loan
Paperwork Needed
Last Three Years Tax Returns
Curent YTD P&L
Personal Financial Statement showing your networth
Incorporation Documents
Sole Proprietors-3 photocopies of your DBA filed with Clerk of the Court
Written explanantion of business adress variations or inconsistencies
Names and phone numbers of your CPA, Business Attorney, and Real Estate Agent(if applicable)
...more to come on this.....
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E-Books on Business Plans
Web Site Design for Small Businesses
Small Business Plan Templates
Business Plan Consultant
Marketing Plan
Sales Plan
Financial Plan(as part of your business plan, not for any investment planning for consumers)
Business Plans for the business owner or entrepeneur at www.rbiplan.com
