Cash Flow, Lawsuits & Arguing with Idiots

A couple weeks ago I ran a simple poll in the Product Creation Work Group. I asked the group members: “What is currently your biggest business problem?” Here were the results:

What is your biggest business problem?

As you can see, “Inconsistent cash flow” was the clear winner. A larger sample size might have produced a different result. But I’m willing to bet “Inconsistent cash flow” would have still come out on top.

With that in mind, I thought it would be good to remind you of a post I wrote about 18 months ago: Cure Cash Flow Problems Quickly

One thing I don’t mention in the article linked above is that starting some sort of continuity income could go a long way towards leveling out your cash flow.

When Jason Leister asked Doberman Dan the one thing he’d do differently if he were starting over in business today, he said: “I wouldn’t go into a business that couldn’t have some kind of continuity product or service.”

I’ve been contemplating Dan’s statement for more than a year now.


I’ve been an avid Salty Droid reader for quite some time. I think I’ve read every blog post he’s ever written. Some people are turned off by the Salty Droid’s tactics, but it’s not all satire and parody. He often posts significant stories and developments that are worth knowing about.

For example, Dallas Attorney Alan Rosenberg is preparing a class action lawsuit against Stephen Pierce International and the various businesses that Pierce is affiliated with.

If you’ve been scammed by Stephen Pierce or one of his boiler rooms, then you might consider joining the class action lawsuit. Email Alan Rosenberg ( for additional details.


Last fall I read Three Cups of Deceit by Jon Krakauer and posted a review of it on

Shortly thereafter, two people began arguing with me about the validity of Krakauer’s arguments. Unfortunately, I can’t resist arguing with idiots. So I went back and forth with them a few times.

Anyway, this morning I discovered that Krakauer has been vindicated. Montana’s attorney general has found that Mortenson essentially stole $1 million from his own charity, CAI. He is now being forced to repay it.

Remembering my review, I went to Amazon to leave a comment about the judgment against Mortenson. Lo and behold! At least one of the idiots deleted her comments last night. I assume she did this immediately after the news broke.


Don’t forget… I’m always open to your questions and ideas for future blog posts. The last time I asked for suggestions, some of the settings in the Google Doc were not set properly (my fault), so I think I missed a lot of comments.

Anyway, I’ve written all the posts that readers voted for. So if you’d like to vote for another blog post — or suggest a new one — you can do so here:


That’s all for today. Have a great weekend!

-Ryan M. Healy

Ryan M. Healy

Ryan Healy is a financial copywriter and the author of Speed Writing for Nonfiction Writers. Since 2002, he has worked with scores of clients, including Agora Financial, Lombardi Publishing, and Contrarian Profits. He writes a popular blog about copywriting, advertising, and business growth, has been featured in publications like Feed Front magazine, and has been published on sites like,, and

Jon McCulloch - April 6, 2012

You know the old saying… “you can’t cheat an honest man”.

I used to think how stupid it was, until I really thought about it. A truly honest man knows there’s no such thing as a free lunch and everything comes with a price. When he’s presented with the promise of quick and easy money, he knows there’s a catch.

Someone emailed me the other day and said it was amazing how “effortlessly” I made money online (my wife had just done another resoundingly successful ebook launch).

I soon put him right — it now LOOKS effortless because I’ve worked so bloody hard to become good at it. All people see is the sales figures. What they DON’T see (and in some cases don’t WANT to see, even when I push it under their noses) is the work: the SEO, the 200 blog posts, the keyword research, the articles, the forum participation, the study of the subject in the first place, and so on.

Alas, there will always be those who want to make a quick groat and won’t engage that most precious of gifts, the gift of critical thinking.



    Ryan M. Healy - April 6, 2012

    Hey Jon,

    Thanks for your most-excellent comment. I nodded my head all the way through your fourth paragraph. All people see is the results. They don’t see what happened beforehand to create those results.


Kurt Henninger - April 6, 2012

Hey there,

Love the Salty droid.

While I do think he goes over the top on occasion, there was a definite need for calling out of high-overpriced products that made money completely on the merit of the marketing, not the substance of their content.

You ARE right about inconsistent cashflow being an issue. It’s hard for any business, not just an internet one to get the cashflow equation right.

    Ryan M. Healy - April 6, 2012

    Hi Kurt,

    Yes, cash flow creates issues in almost every business.

    My CPA told me he has a $100,000 line of credit he uses during the off-season. He does 90% of his business between February 1 and April 15.

    The homeschooling business peaks July-September in preparation for the school year.

    Home sales peak in spring/summer — not much for realtors to do during the holidays.

    And so forth. Nearly every business has its annual cycles to contend with.

Tom Brownsword - April 6, 2012

“Unfortunately, I can’t resist arguing with idiots.”

So when can we get together over a cup of coffee? :)

Best regards,

    Ryan M. Healy - April 6, 2012

    Haha… when I wrote that sentence, I thought: “Somebody is going to quote that one.”

    I’m fairly flexible. I’m on deadline next week, but the week following should be okay.

Team Building Program - April 6, 2012

Hahaha. Such a funny but real post. Too bad there’s too many idiots out there.

Angie - April 8, 2012


I don’t like Salty Droids writing style, and sometimes I think he lets his personal hatred of someone overwhelm his evidence; but at the same time I appreciate what he is doing.

There are far too many scammers out there, and sometimes it is difficult to work out who are the good guys and who are the bad in the world of internet marketing.

Out of interest, Ryan, who’s products would you say are always worthy of consideration?

    Ryan M. Healy - April 8, 2012

    That’s a difficult question to answer, Angie. “Always” is such an absolute term. Here are a few people I personally trust and follow:

    Terry Dean
    Glenn Livingston
    Doberman Dan
    Markus Allen
    Jonathan Leger
    Drayton Bird
    Lawrence Bernstein
    Michael Campbell
    Ben Settle
    Daniel Levis
    Ray Edwards

    These are people whom I’ve learned from, bought products from, or otherwise benefited from. This list is not comprehensive. These are only the names that come to mind immediately.

    Of course, you should also do your own due diligence before investing money with the people I’ve listed here (or anybody else for that matter).

      Angie - April 9, 2012

      Thanks for that, Ryan.

      I have to say that, apart from Drayton Bird, I hadn’t heard of any of them.

      Which just goes to prove that ‘he who shouts loudest does not necessarily have the best product’. ;-)

      I’ll check them out and get my name added to their mailing lists.

      Thanks again.

      Terry Dean - April 16, 2012

      I don’t comment much, but I read all your posts Ryan.

      I had to leave a thank you here though for including me in your excellent list of people you trust and follow. Those are some great names.

      I’ll add one more qualification for those reading. Remember that just because a person may be trustworthy and reliable doesn’t mean every product they create is right for you either. Make sure to stay focused on your goals and only buy products/services that help you reach those goals. Avoid distractions and good information products can be a distraction if it’s on a subject other than what you’re focusing on.

        Ryan M. Healy - April 17, 2012

        You’re quite welcome, Terry. And thanks for that extra bit of advice. It’s easy to get distracted by good info products. :-)

Fred Black - April 15, 2012

Yes, lack of or inconsistent cash flow kills a lot of businesses. Building recurring income is critical to long-term success… working on it right now!

cmichaelsny - April 18, 2012

Thanks for sharing great advice here..You had a lot of idea about business I learn a lot..

Lloyd - April 19, 2012

Thanks for this informative post. You are genius writer.

AnneM - April 26, 2012

I guess the poll is very true that inconsistent cash flow is the major problems of businessmen, especially in internet marketing.

alanc230 - May 31, 2012

Thanks for the heads up about “Three Cups of Deceit”. I haven’t read this, but I really enjoyed Krakauer’s “Into Thin Air”. I’ll have to look up “Three Cups” and read that also.

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