An Epic Failure… What Went Wrong, And What You Can Do To Keep It From Destroying You Financially

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Over the years, I have been involved in a number of various kind of athletic events, including things such as bodybuilding, weightlifting, power lifting, cycling, 5K and 10k running races, triathlons, and Tough Mudder events. Some of these have been strictly strength and/or power types of events, and others have involved more of an endurance component.

I have a light to medium skeletal frame that it wasn’t made to carry excessive amounts of body weight or handle or lift significant poundages, but I pushed the limits anyway. Over more than 50 years of intense activity the cartilage in my right shoulder has worn away deleting the “cushion” where the “ball” at the end of my upper arm bone rotates in the socket of my shoulder, and now it’s bone-against-bone. Whenever I move my arm there is a tremendous amount of pain, and no medications I take seem to make the pain go away.Epic Fail

So I went to an orthopedic physician and he performed arthroscopic surgery on my shoulder to clean out the bone spurs and see if it would make things better. Some two months and more than $33,000 in expenses later, things are no better than they were before I went through the surgery. I still have limited the use of my right arm, intense pain, very little mobility, and not much strength; things are no better than they were before I went through the surgery.

So I went to another orthopedic physician who specializes in the treatment of shoulders. After x-rays and MRIs, it was determined that the only way to fix the problem, relieve the pain, and regain some of the mobility that I had lost in my shoulder, was to have a total shoulder replacement.  

The shoulder is a ball and socket joint. A total shoulder replacement consists of cutting the top of the arm bone off and drilling a five inch hole into the center of the arm bone and gluing a metal rod with a dome at one end into the hole; this forms a new “ball.” Next, a plastic cup is cemented to the underside of the scapula creating a new “socket.”

The reason I’m mentioning this is not to tell you of my personal physical problems, but to let you know that unexpectedly, things can happen to you or perhaps someone you know, that can cost you significant amounts of money, time away from your business or your job, and if you’re not prepared, can quickly put you into a position of financial hardship.

For my first shoulder surgery – the one that didn’t go so well – the cost was more than $33,000 and I wasn’t able to work for just over a week. Fortunately, I had the money to cover the expenses, and the loss of a week worth of work-time didn’t hurt me.

Your Personal Financial Situation

But what about you? What if something happened to you, right out of the blue, totally unexpected, that caused you to have to take an extended period of time away from your work or your job? Would your income continue? My sister-in-law was in a car accident and is having to take several months away from her job in order to recover. Her employer says she’ll have a job when she gets back, but now several months later she’s not so sure, because the company is beginning to cut back on certain jobs and she’s not so sure that her job will still be there, or perhaps that she will have been replaced by another person when she returns.

How about your insurance? Do you have the kind of insurance that would cover significant cost if you were to incur one? $33,000 is not an insignificant amount of money; do you have that kind of money set aside in an emergency fund in case your insurance doesn’t cover it?

What if your surgery – like in my case – didn’t fix the problem, would your insurance (if you have it) cover an additional procedure like I’m having to do? What if you don’t have insurance, do you have sufficient funds set aside to be able handle another surgery which is likely to be significantly higher in cost than the original procedure?

We’ve all been watching with great interest what is happening with insurance companies across the country canceling policies for millions of people so they can comply with the Affordable Care Act. And many companies are laying off people, downsizing the workforce, or cutting back the hours that employees can work to help reduce expenses and in some cases, avoid paying health care costs for their employees.

How about you? What kind of situation are you finding yourself in, not of your own choosing, but as a result of what the government is causing to happen? Your main responsibility is caring for yourself and your family, and making sure you have sufficient income for your needs. That includes things such as your present living expenses, educational expenses for your children, adequate insurance protection for your family, and funding your retirement program.

Your Personal Responsibility

Each of us has to take personal responsibility for where we are now, and where we be in the future. We can no longer depend on our job or our career for security; the only real security is in your ability to create an income regardless of the condition of the economy. If the economy is good do you have a skill that can generate enough income for your needs? If the economy is in crisis or a down-cycle, do you have the ability to generate sufficient income and comfortably get through tough times?

In good times and in bad times all businesses have the need to generate more profits. The person who can help that business put additional profits on their books in the fastest way, with the least amount of effort, the lowest amount of cost, and the lowest risk possible, no matter what the economic climate, will be in constant demand and can write their own ticket.

If you are not finding yourself with an income of least $250,000 a year, the ability to take several vacations a year, and free from the worry of a layoff or downsize from your company, and going to bed every night comfortable in the fact that you can wake up in the morning knowing that your services are in demand and that you have a guaranteed, steady stream of income flowing into your bank account, then perhaps it’s time for you to make a change.

Securing Your Financial Future

Personally, I have been in business for more than 48 years, and my company, TopLine Business Solutions, has been training and supporting Corporate Logo Collagebusiness consultants around the world for more than 15 years; our successes are legendary. I have started, run, funded, and sold several businesses that have earned their owners in the millions of dollars, and I’ve been the go-to troubleshooting consultant for some of the world’s largest and most recognizable and respected companies.

When it comes to understanding what works in turning struggling businesses around, generating profits seemingly out of thin air, saving business owners from losing their businesses, their investments, and their life savings… and teaching others how to do likewise, there’s no one who has more experience and more successes than I do… NO one!

I’ve done it for thousands of others and I can do it for you. If you would like to learn how so many other people are generating very large incomes in a very short period of time, then please drop Dawn an email and have her set up a no cost, no obligation Discovery Call where you can get all your questions answered and help you determine if this is a route you would like to pursue.

This will not be a sales call – not in the least. We don’t believe in selling our services… we don’t have to. Likewise, we teach our consultants how to generate all the business they need without having to sell. Selling puts you in a weakened position, and we would rather have your clients contacting you to see how you can benefit them, rather than you trying to “beg” them for their business. So please get in touch –  I think you’ll be impressed with what you learn on this call.

Here’s Dawn’s email address again.

Yours for success,

Martin Howey, CEO
TopLine Business Solutions

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