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Entrepreneurship – 2's Company – MagnusInsights.com https://magnusinsights.com Thu, 20 Oct 2022 17:00:00 +0000 en-US hourly 1 https://wordpress.org/?v=6.9.4 https://magnusinsights.com/wp-content/uploads/cropped-2sCompanyLogov23-32x32.jpg Entrepreneurship – 2's Company – MagnusInsights.com https://magnusinsights.com 32 32 Letter from the Internal Revenue Service – Yikes! https://magnusinsights.com/letter-from-the-internal-revenue-service-yikes/ Thu, 20 Oct 2022 17:00:00 +0000 https://magnus.lisawhitsell.com/?p=3311 No small business owner likes to receive a letter from the Internal Revenue Service – trust me. Such letters inspire dread. Though they occasionally include a good surprise, such as a refund of an over payment, more often they are “not good.” Melissa and I recently received such a letter informing us that, because we failed to file the corporate income tax return for one of our companies, we were being assessed an $840.00 penalty. The thing is, we filed the return not only on time, but early! As with all letters from the IRS, the type font is antiquated courier or worse. And, the language is ominous and intimidating. There was no explanation of how to handle this, other than to call the “number listed above.” So, after arming myself with my filed copy of the return, I placed the call, followed the prompts and pressed all the necessary numbers only to hear “Due to the high call volume we cannot handle your call at this time, goodbye.” I tried again, same thing. I tried the next morning, same thing. I got creative, changed my prompt selection and got through to a message that allowed me to request a call back. I did, and to their credit, my phone rang at the appointed time. The surly agent listened to my story, looked up the case and told me we needed to prove we filed the return. I have long used good ol’ certified U.S.P.S. mail when filing tax returns. I’ve had to train employees about how to use it, and it usually seems unnecessary to them. But, this time the $8 or $9 spent on the return receipt requested certified mail option saved us $840!!! The agent was abrupt and dismissive of the certified postcard and receipt I sent her because it wasn’t stamped in the post office and she was unaware that these 2 items (postcard and receipt) work together to create a tracking option. I was impressed she was able, probably working remotely, to have me fax copies of those items to her, and then, after I explained there is a 16 digit tracking number, to look it up and verify that the return had indeed been filed timely. I will note that the return postcard was dated after the due date, which indicated that the I.R.S. is behind in their processing. That worried me a bit, but thankfully, the U.S.P.S. tracking system showed that the mail was sent when I said it was. Taking care to use the extra steps of certified mail reinforced how critical it is to cross “t”s and dot “i”s. There may be better ways to do this, but I breathed a sigh of relief when I realized all I wasted was an hour of my time correcting the I.R.S.’s mistake. Of course, the fallacy of any tracking system is that one still can’t prove what was in the envelope received on the other end. Thus, I was glad not to have to fight that battle. Operating a small business requires watching out and preparing for rude surprises. CYA is critical. Old tech wins one!

]]> Colossal Failures at American Express and Chase https://magnusinsights.com/colossal-failures-at-american-express-and-chase/ Thu, 13 Oct 2022 17:00:00 +0000 https://magnus.lisawhitsell.com/?p=3309 Over the past 2 months, I’ve been battling American Express to get them to correct a colossal mistake THEY made, but for which they blamed us/me and penalized us accordingly. To be fair to American Express, Chase Bank also failed during this time period, but not as badly as American Express. The issue common to both American Express and Chase is that their mail center can’t process all the incoming mailed payments in a timely fashion (both companies admitted as much to me). Thus, despite mailing our payments on time, and the post office actually delivering them on time, they sat at the destination. Both American Express and Chase failed to adjust for this and started sending late notices, imposing late fees, and even reporting Magnus to the credit agencies. To Chase’s credit, they had figured out the problem by the time I called and had started making corrections, although it is impossible to know whether the damage they did will linger, for example, on our credit reports. American Express, on the other hand, was completely obtuse about the problem. The situation was compounded by Melissa and me being on vacation. They called, texted, emailed, froze the card and basically harassed me for days, which turned into weeks, then months. Calling them was painful and the calls lasted an hour or more with transfers to multiple agents, many of whom had accents I couldn’t understand, and they were unable to comprehend that the failure was on their end. Not only did they process a payment late, but they failed to credit an $11,000 payment to us. That’s right, they lost $11,000 of our money. For some people, that may be pocket change. I’m not one of them. At some point, I decided to go to the top and I wrote the CEO’s office. Apparently this person gets lots of messages such that he has a “public” email address (chairmansoffice@aexp.com) where messages are answered by his minions. This did trigger some action, but it was still very difficult to communicate with anyone who seemed to “get it” and who was willing to find our lost money. We did receive a letter telling us they were working on it, but never did anyone take responsibility for their mistake(s). As of this writing, most of the situation has been resolved, I think. And, we received another letter, but of note, at no time did any of the correspondence from American Express offer an apology for the (massive) inconveniences they caused. I have about 12 hours into this situation that THEY caused. In billable hours terms, that is a lot of money – especially due to the vacation damage. So, I have to say “Shame on American Express.” Their customer service was horrible. It is hard enough running a small business without having to fight a company that is supposed to help run that small business.

]]> Formality Never Hurts https://magnusinsights.com/formality-never-hurts/ Mon, 10 Oct 2022 18:15:00 +0000 https://magnus.lisawhitsell.com/?p=3277 In thinking about the job candidates who failed to get out of the starting gate due to their wardrobe choices, I reflected on how formality provides a guide for “good” behavior. Being formal in addressing people with “Ms.,” “Mr.,” “Dr.,” etc. is a good starting place. It is likely you will soon be told to be less formal, but starting out informally might be like wearing shorts to a job interview, a non starter. Assessing the situation, listening to others, and being situationally aware allows one to determine what is appropriate, or not. Melissa can explain the psychological concepts related to internal/external focus further. There are many ways to evaluate a situation; checking websites and social media are good indicators. Turning on one’s listening and observational skills are a requirement. Showing respect by using formal titles, dressing formally (situationally) and being appropriately deferent are good ways to get off on the right foot in a new work situation or a situation involving a new client or customer.

]]> Know What You Don’t Know https://magnusinsights.com/know-what-you-dont-know/ Thu, 06 Oct 2022 17:00:00 +0000 https://magnus.lisawhitsell.com/?p=3307 Many years ago, a college professor of mine told me that knowing what you don’t know (or that you don’t know something) is an important sign of intelligence. It was an enlightening discussion and I think I’ve mentioned this in another post. But, it bears further discussion because we seem to live in a world where not knowing what you don’t know is amplified by the media, including social media. Showing your ignorance is apparently not seen as undesirable to some people. I suppose many of the ignorant ones to whom I refer are too ignorant to know they are. But, stepping out on a limb and talking about things the person clearly has no knowledge of seems all too common. I’m venting a bit, but this phenomenon is apparent in many settings. It has been something I’ve seen repeatedly in both personal, and professional, encounters. In the latter, I’ve observed it when working with job applicants who do not realize they are dealing with people who know more about many subjects than they do. For me, quietly listening and learning, all the while assessing what someone is telling me what they know, is an important technique, not only for learning, but to working together. To combine a couple of sayings, going off half-cocked is a sure way to shoot oneself in the foot.

]]> You can go to Wal-Mart, Kmart… https://magnusinsights.com/you-can-go-to-wal-mart-kmart/ Tue, 20 Sep 2022 17:00:00 +0000 https://magnus.lisawhitsell.com/?p=3269 David and I have different ways of accomplishing the same task. We are frequently engaged in debates about how to perform seemingly simple tasks. When we catch ourselves in the midst of another debate about some mind numbing chore, one of us usually says, “You can go to Walmart, Kmart (sadly, that’s no longer an option for us), Target, or wherever you want.” This statement stops the debate because it reminds us of the same type of debates David’s dad, Herman, would get into over the smallest of details. For example, when we drove from Pompano Beach to Jacksonville, Herman used to ask which way we were coming. Were we driving all the way north on I-95? Were we coming up the Turnpike, then crossing over to I-95 on State Road 70 in Fort Pierce? Were we coming up the Turnpike, then crossing over to I-95 at the Jupiter exit? Had we checked to see how traffic was moving on both the Turnpike and I-95? Had we considered taking a more scenic route, for example, driving part of the way on U.S. 1? Did we think we might want to drive up U. S. 301 through Lawtey, Waldo, and Starke? Had we considered all the options, including where we would be stopping for lunch? This type of exchange was common with Herman, regardless of the subject, sometimes to the point of hilarity! We got into the circular discussion about the virtues of Kmart and Walmart at a time when Kmart was still a worthy competitor of Walmart. Given that both of these stores sold the same type of merchandise, I usually went to the one closest to my location. Not Herman! He weighed the options, such as which one had the desired item on sale, how close each store was to the gas station currently selling gas for the lowest price, and a host of other variables, all of which were exhausting to me. Yes, there are many ways to chop a bell pepper, depending on how it will be used, but I’d prefer not to discuss it for too long!

]]> Cover the Employee’s Back https://magnusinsights.com/cover-the-employees-back/ Thu, 08 Sep 2022 17:00:00 +0000 https://magnus.lisawhitsell.com/?p=3242 As I wrote the prior post about the need for employees to cover the boss’ back, I had this post, and the next one, in mind, because covering for each other is critical. It is important for a boss to keep the health and well being of the employees in mind. In our 30+ years of being employers, Melissa and I have had examples of issues where this came into play. One employee had an issue with the hostility of another employee. In that instance, we were kept in the dark about the extent of the behavior by other employees (see next post). For other reasons, the “bad” employee was terminated and the truth of the hostility came out. Another example was on a research day, when a mock juror was verbally abusive and made racially derogatory comments to one of our employees. Melissa overhead these comments and immediately jumped in to help our employee by dismissing the abusive mock juror. I was quickly enlisted to escort the abuser out of the room and facility. We have always known we did the right thing by ending the abuse as quickly as possible and ensuring there was no residual impact on our team member. Another memorable occasion was when one of our employees, a black, Haitian, male, was followed by our local police department and stopped for questioning on multiple occasions while in our neighborhood. I decided the only way to “cover the employee’s back” was to approach a supervisor in our small police department about the issue. Ironically, the supervisor was a minority as well, an Asian man, who at first didn’t know how to react to the situation. But, after a bit of discussion, he helped me come up with a solution that eliminated the “harassment” of our minority employees. These are things you never learn about in business school. Things you may not consider otherwise. But, they are things that demonstrate the need to look out for employees in ways that go beyond the norms of a job.

]]> Cover the Boss’ Back https://magnusinsights.com/cover-the-boss-back/ Thu, 01 Sep 2022 17:00:00 +0000 https://magnus.lisawhitsell.com/?p=3240 Who has your back? As a business owner, doing everything is difficult. The ability to rely on employees is critical. In this post, I am reflecting on how some employees are better than others at thinking of the boss’ or company’s best interest. Those who don’t think about the boss, or the company, are a detriment to the organization. As employers, Melissa and I have to depend on the employees not only to do their jobs, but to help us do ours. They need to be our eyes and ears because part of our job keeps us on the road, and focusing on many things. Simple examples of this are keeping up with the mail or messages. Obviously, I’m talking about employees who have earned our trust, but having someone keep up with the mail, alerting us to new cases (which one client often initiated by sending us letters), billing due dates or telephone messages. We’ve had many other things that employees have been in the position to “field” like a baseball player catching a fly ball. On research days, there are many, many factors at play. Relaying information about mock jurors, questions from clients, or issues with a facility (meals, the room temperature, audio/visual equipment) is essential. Sharing the information with us, as the bosses, is important. Being kept in the dark is not what we need. Most employees who have made it past their probationary period seem to have that ability. Those who don’t see this as a part of their job need to work elsewhere. And, those who have intentionally sabotaged the working relationship are beyond redemption.

]]> Reactive v. Proactive https://magnusinsights.com/reactive-v-proactive/ Tue, 30 Aug 2022 17:00:00 +0000 https://magnus.lisawhitsell.com/?p=3233 My mother used to tell me that she, as well as almost everyone else, would “have to get up before breakfast to stay ahead of me.” For readers of this post who are unfamiliar with, as Mom used to say “old South Carolina sayings,” this means that, all things considered, I work and move at a pretty fast pace, such that most people have difficulty keeping up with me. One reason I am able to get things done quickly is that I am organized. I know what to do, how to do it, and how long it will take. Another reason for my speed is that I take a proactive approach to living my life. When it comes to work, I plan ahead, I see what needs to be done, and more important, I do it. I don’t sit around, idly staring into space, procrastinating, until the time comes for my work to be completed. A clear example of my proactive approach to life is these posts David and I write. On days when I have free time at work, I often spend 30 minutes or an hour writing several posts. I review the list of topics (which now numbers over 600), then I write as many as I can in the time I have available. This means that, at any given moment, I have 10 to 20 posts that are ready for David to add his part to them. I never, ever, need any prompting to write posts on an immediate basis (due to the fact we are out of things to post) because mine are already done. My proactivity often conflicts with other people’s reactive approach to life. Many people, to quote Mom and her funny expressions, “sit around and wait for the cows to eat them up.” (I haven’t ever heard of a cow eating anyone, but I heard Mom use this expression on countless occasions.) “Sitting around waiting for the cows to eat them up” means procrastinating, waiting until the last minute, then hurrying to complete a task that, with proper planning, could have been completed long ago. Many of Magnus’ clients fall into this category. They ask for my help, then I wait and wait, then wait some more for them to provide me with the materials I need to provide them the help they have requested. Sometimes, they wait so long that I am unable to help them. (Although I work pretty fast, there are limits to my ability to complete complex tasks at the last minute.) Most people are either proactive or reactive, with others falling someplace in between, depending on the task that needs to be performed. Word of advice: If you are a reactive personality type, please be prepared to move out of my way. I’m coming through, fast!

]]> Probing Questions and Difficult Answers https://magnusinsights.com/probing-questions-and-difficult-answers/ Tue, 23 Aug 2022 17:00:00 +0000 https://magnus.lisawhitsell.com/?p=3226 I went to my primary care physician recently for my annual check up. (As an aside, my physician is smart: He has a Ph. D. in addition to an M. D.) My physician is committed to helping medical students with their education. He has mentored medical students from The University of Miami for decades and often involves them in my appointments. On this day, there was a particularly eager and earnest medical student who was helping my physician by asking some of the questions that are routinely part of medical examinations. The medical student asked me whether anything was bothering me, to which I replied that there are many things bothering me, none of which are medical in nature. (Word to the wise: Be careful what questions you ask a psychologist!) The medical student asked me if I take any drugs, prescription or non prescription, to which I replied, in a voice that sounded just like my mother, “No. I don’t even take an aspirin. I never have a headache or anything drugs would help.” He droned on and on with similar routine questions until he finally lost interest due to the fact that there was, apparently, nothing wrong with me. When he closed his notepad, signaling the end of his questioning, I informed him that, of all the questions he asked me, he forgot to ask a couple of important ones. He was quite taken aback, but he quickly recovered and asked, “What did I forget to ask you?” I told him that he should include in his pre-exam interview a few questions to determine whether the patient (female or male) is being victimized by physical abuse, sexual abuse, domestic abuse, sex trafficking, or anything similar that they might be reluctant to volunteer on their own. I told him it is his duty, in the interest of “doing no harm,” to ascertain things that are difficult to answer by asking probing questions, then paying attention to both verbal an nonverbal cues in an attempt to help his patients. Many times, a primary care physician is the first person to realize something is wrong with a patient that is an underlying cause of a medical problem. This young future physician thanked me profusely for contributing to his medical education. Lesson learned: Ask probing questions even when anticipating an answer that is difficult to provide. You might save someone’s life!

]]> Vacations https://magnusinsights.com/vacations/ Thu, 11 Aug 2022 17:00:00 +0000 https://magnus.lisawhitsell.com/?p=3214 At the time of this post, I am likely on vacation. After missing the opportunity to take a vacation for a couple of years, Melissa and I have been looking forward to it. The visit to this destination, Alaska, was delayed from our original plan and thus, we’ve been working on and revising the plans for months. It is difficult, as small business owners, to get away, really away, and be detached from work for any extended period of time. I’m not sure we ever can. I’ve “worked” from vacations in Hawai’i, Greece, Australia, and more, if only to reply to some emails from clients or staff. The purpose of a vacation is, to me, like rebooting a computer. Our brains need rebooting; they need to be cleared. It is a pressure release, and frees up brain cells from the stresses of daily life which recharges my brain for when I get back to work after the vacation. Permanent vacations have appeal, but I haven’t won the lottery yet. Vacations are a reward for hard work and they are good for mental health as well. Over the years, I’ve noticed some people almost apologize for vacations; I’ve felt that, at some level, when I realize how our schedule impacts our ability to work for clients at certain times. But, a vacation should not be a sign of weakness; rather, it is a sign that one is doing something healthy and productive. Bon voyage!

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