Of Business Ethics And Moral Compasses: Should You Sell Products You Don’t Ethically Believe In?

PASSION to PROFIT PREAMBLE: The only way to take control of your life, raise your standard of living and move beyond merely surviving is to create your own unique product or service that you offer to increasing numbers of people in exchange for the things of value that you desire. This simple formula applies to countries as well as people. A self-sufficient economy has its own products or services of value to export to the world. Similarly, a self-sufficient individual has something of value to exchange in the global marketplace. That thing of value is based on your natural talent, skill, or interest-in other words, your passion!

Scenes for discussion at your next dinner party
Opening Scene 1: Many years ago, I was offered many thousands of dollars to do a Turn Your Passion into Profit workshop at a major venue in the states. I turned it down. Why? The workshop was being sponsored by a cigarette company. I just couldn’t see myself standing on stage with a big cigarette ad on a banner behind me. Even though I would be delivering information on self-empowerment and business success, I would be associated with and indirectly supporting the improved brand-identity, and agenda of the sponsoring company.

Cut to Scene 2: I once won a trip for two to a tropical island. Part of the requirements and terms of accepting the prize was that my name and/or photo could be used in future promotions for the company. The sponsor was an alcohol company. I refused the prize for the same reasons as for Scene 1 above.

Fade to Scene 3: A few days ago, someone asked me a question.

Him: Walt, what’s your religion?

Me: That’s a leading question.

Him: I mean, are you a Christian?

Me: [I paused to find the right answer.]

Him: Well, are you Muslim?

Me: Those aren’t the only options, you know. The question is not as bad as the ever-popular ’Have you stopped beating your wife?’ trap, but it’s almost like asking, ’What kind of gun do you carry?’ It starts with an underlying presumption that doesn’t step back far enough in objectivity.

Him: Ok, well do you believe in God?

Me: Again, the question is flawed. Of course, if I was forced to answer yes, or no, I would say yes, but that really doesn’t tell you anything about me. For one thing, you don’t know whether we actually share the same concept of God. My god could be a turnip, for all you know.

What’s more important, for me, when I meet or do business with someone is not to determine what particular religion (if any) she claims to belong to, but to see if she shares the same sense of personal ethics and moral compass that makes us compatible. Many crimes against humanity have been committed in the name of religion. Many Klansmen claim to be good Christians, and many terrorists claim to be good Muslims.

It’s a person’s overall belief system and if their actions are consistent with those beliefs that matter to me.

Dissolve to Scene 4: A few nights ago, some friends and I had a lively discussion about different products to sell in business. Their own view was that a business owner merely fulfills a need for the public.

Them: If the public wants processed meat, sell ’em processed meat. If they want cheeseburgers, sell ’em cheeseburgers. If they want cigarettes, sell ’em those too. One product is just as worthy as another.

Walt: But what if I believe smoking cigarettes is both personally, publicly and environmentally harmful? And, what if I don’t believe people should kill and eat animals?

Them: People have a choice. You’re not forcing them to buy it.

Even though as the seller, I’m not the one doing the killing or smoking, wouldn’t I be violating my own personal ethics by selling something that contributes to the killing of animals and contributes to people’s (as well as my own “secondhand”) deteriorating health? Heck, just so you know where I stand: If for some reason I had a can of soda lying around my house, I wouldn’t offer it to a guest to drink since I believe it’s poison, even if they think it’s food. We (myself included) all admit I’m a bit strange that way.)

That’s just my opinion

So my own choices are guided less by how much money there is to make, but simply if I feel good about what I am promoting. Does it fit with my own sense of what is right and wrong? In dealing with people from many cultures and creeds, it seems that there is an underlying belief that business is merely about filling a need. And that “good” businesses to get into-meaning those businesses that can make big money-are inherently and necessarily those that pander to vices, or not-so-healthy desires.

The difference between morals and ethics.
Now, before I ask you to consider where you stand on this issue, let me offer a few definitions.

Morals are what a society decides are in its best survival interests.

This varies from society to society, and what’s frowned upon by one society can be perfectly morally acceptable in another. A moral code, therefore, is a series of agreements to which a person has subscribed to guarantee the survival of a specific group-the group, in this case, being society.

A survival action is a moral action. And those things are considered immoral which are considered contrasurvival-or contrary to the survival of the group

Ethics, on the other hand, is the study of the general nature of morals and of the specific moral choices to be made by the individual in his relationship with others. It’s based on one’s personal beliefs about what is right and wrong. An ethical code, therefore, is the set of certain restrictions indulged in to better the manner of conduct of one’s life. A person conducts himself according to such a code because he wants to, or because he feels he is proud enough or decent enough or civilized enough to so conduct himself. Ethics is a personal thing.

So, for example, if the society through agreement, and enforced by its laws, agrees that it is immoral and therefore illegal to grow and sell your own herbs, or to offer a service that is deemed against the group’s best interest, then it can become a personal ethical challenge when you engage in that activity. At the same time, just because something is deemed acceptable by the society and its laws (say the death penalty), doesn’t mean your personal sense of ethics makes you comfortable with engaging in or supporting that activity, and that is the point of discussion for today’s column.

So, where do you draw the line?

Here are some questions I’d like to challenge you to consider today:

How far will I go in the furtherance of my business agenda?

Where are my own sense of personal ethics and moral compass guiding me?

What does my belief system-my religion, as it were-tell me is right and wrong for me to do?

As a business owner, do I simply provide a need, and simply sell whatever is “legal” to sell regardless of whether I personally believe in it?

Or do I offer the world something that moves it in a positive and uplifting direction, according to my own beliefs and passion?

Do, can I, should I personally sell a product I know to be harmful?

[Personal] As a coach, do I help others succeed in business if they choose to sell such products that are not in synch with my own beliefs?

Just some things to chat about at your next social gathering, and when you do, please include me in the discussion!

Small Business Idea – Start A Concierge Business

Do you know someone who’s so busy that they’re constantly saying things like “I’d pay someone to do this for me” or “I need more hours in my day!” or even “I wish I could clone myself” ? If so, what that person really needs is a personal assistant! Concierge or Errand businesses are a growing trend. Although the economy isn’t in the best shape, people are still leading very busy rat race type lifestyles. From busy working moms to jet setting professional singles – they all have a need for an extra set of hands or person to remind them of important appointments or tasks.

Starting a concierge service is going to take some work and creativity on your end. Although most people have a need for this type of service, some have a hard time justifying the expense. Your marketing and client acquisition strategy will require you to effectively demonstrate how easy their life would be with you on their team! Here are a few tips to consider when planning your Concierge (errand service) business:

1. Start with a business plan: You don’t need to spend a lot of money on a business plan – in fact, with this type of service business – you can write one yourself. You will want to write out the vision you have for your company, as best as possible – note any start up costs, price points, target demographic and market.

2. Discover your start up costs: Start up costs associated with a concierge business are surprisingly minimal. Like with any business, one of the first steps you’ll take is setting up your business legally. This means you will need to check with your state and local commerce offices as well as the IRS for any licensing and tax requirements. The cost of a business license in most states is pretty low ranging from $25 to $100. After you’ve established your business legally you’ll want to create your website and marketing materials. Depending on your level of technical and graphic expertise you may be able to do this on your own for nothing at all.

However if you’re like most people, it’s something you’ll end up outsourcing. You can find a reputable website designer at places like GetAFreelancer to do your website for under $500 with matching business card and brochure templates for a little bit extra. It’s also advised to invest in business liability insurance. Depending on the range of services you offer, you’ll likely spend a lot of time driving around – if your current car insurance doesn’t recognize your vehicle as a business/commercial vehicle – you may not be covered if you get in an accident while doing company functions. All in all, the estimated start up costs for a concierge business would be under $1500.

3. Develop your legal documents and contracts: Because of the nature of a personal assistant concierge style business – it’s important to have contracts and agreements between you and your client. For example – you may offer a car pooling service shuttling kids to and from soccer practice. You’ll want to have a signed agreement that authorizes your clients children to be in the car with you.

4. Decide on your range of service: A concierge can offer a wide range of services. As long as it’s legal – you should remain open to any type of assignment. Typically concierge services are divided into two categories – corporate services and personal/individual services. The types of services you offer a business will vary from what you’ll offer an individual. Corporate services may include things like courier services, event planning, travel planning, and transportation arrangement. Those types of things are often duties handled by executive secretaries, but many businesses choose to save money by hiring a concierge business instead. Personal services include gift shopping, cleaning services, relocation assistance planning, dry cleaning pick up, house sitting, reminder services, appointment making services, grocery shopping and many others.

5. Decide your price point: Most concierge businesses charge by the hour, with $25-30 being the going rate. It’s also wise to offer monthly package rates. This will help you secure long term contracts, particularly if you require a minimum number of months to sign up. Your packages should include a guaranteed number of services and/or hours per month – with an extra fee being charged for services or hours over.

6. Put your best foot forward: With your business cards and services brochures in hand – you’ll want to hit the ground running with your marketing strategy. Word of mouth is always the best way to grow a business – it’s free also! The first impression will be the lasting impression for potential clients, because of this you should be courteous to a fault! You want clients to know that you are a trustworthy and responsible individual. Your appearance should be well-kept at all times, answer your phones in the most professional manner and always be organized.

The Story Of The Dead Business Partners And A Widow

The widow stood at the graveside as the coffin was slowly lowered. She looked across at her late husband’s business partner. “I’ll make that fool pay double if he wants my husband’s half of the business,” she thought. The business partner caught the widow’s mournful eye. “I’ll offer her one tenth. She wouldn’t know what it is worth. Anyway, without me it is worth nothing”.

Did You Know?

That for 2 male business partners both aged 35, the probability that one will die or become totally and permanently disabled before aged 65 is 52%. For 4 partners the risk increases to 77% and with 6 partners 89%. Women on the other hand statistically make for a better risk. Business succession planning is not about selling personal life insurance, legal documents or detailed financial plans. It is about developing a strategic plan to ensure a smooth and trouble free hand over following a trauma event, disablement or death.

How is Business Succession Planning best achieved? Protecting your business and your family

Business owners think they do not need or are too busy to get around to creating their Business Succession Plan. The spouses generally don’t know the risk their business spouse is taking in not planning for disasters. Let me give you an example: Not so long ago I saw “John” in our office. John runs a small, successful real estate company with his business partner Keith. Shortly before I saw John, Keith had developed cancer and died. He left everything in his Will to his wife Nicole. Nicole inherited Keith’s interest in the real estate business. Nicole had never been involved with the business. Not only did Nicole not want to have anything to do with the business, she told John she would camp on his doorstep until he purchased Keith’s half of the business from her. In the meantime, she wanted Keith’s usual wage. She needed money to support herself and the children. John would have been happy to pay her half of the value of the business IF:

1. He knew what the business was worth;

2. Nicole agreed with the value (and wanted to sell); and

3. He could find the money to pay her To compound the problem the bank wanted additional security for the business’s overdraft. Was Nicole willing to go as a guarantor to the business overdraft to replace her husband? John was frantic. Would he have to sell the business (his life’s work) at a fire sale?

Why was this?

It is NOT well known that in the majority of any Banks fine print clauses on security for a Business loan, the death or disability of a guarantor or co-surety to a business is an “event” of default. This means that if any person, who is a party to a Bank’s security dies, becomes disabled or suffers a traumatic event, the Bank is able to seek repayment or renegotiate the loan facility. The answer here is proper Key Person Insurance (as distinct from insurance for a Business Succession Plan).

What is the answer?

John and Keith together with their Adviser, Accountant and Tax Lawyer could have prepared a Business Succession Plan. A Business Succession Plan is an agreement between the business partners to deal with a principal:

1. dying;

2. becoming disabled;

3. retiring;

4. divorcing;

5. resigning;

6. being convicted of a criminal offence;

7. becoming bankrupt, and;

8. taking unauthorised absences from the business Nicole could then have required John to purchase her half of the business for a predetermined price. Alternatively, John could have required Nicole to sell her half of the business for the same predetermined price.

How can you afford to pay the purchase price?

Even with a Business Succession Plan, to ensure the transfer of a business interest upon death, all problems are not solved. The remaining partners need money to buy out the deceased’s family. A number of funding mechanisms are available. The most successful funding method is a combination of life policy, trauma policy and total and permanent disability policy. We suggest you contact your financial planner to discuss the many products out there.

What about tax?

Yes, you have to be very careful to structure your Business Succession Plan so that you avoid unnecessary tax.

1. A properly prepared Business Succession Plan ensures that only nominal stamp duty is payable when you sign the Business Succession Plan.

2. Capital Gains Tax can be triggered on the “disposal” of the business (that is when Nicole sells to John). There are many avenues available to you to ensure the assets are transferred without the expense of capital gains tax provided you take the proper precautions before entering into the Business Succession Plan. Exemptions in The Income Tax Assessment Act (such as section 160ZZI) give further protection.

3. Some of the business assets can be income producing for the taxman (e.g. trading stock). Proper mechanisms can circumvent this problem.

How do I create a Business Succession Plan?

Put and Call options are the easiest to set up and explain. Let’s look at an example of how this works using John, Nicole & Keith. John gives Keith the “right” (option) to purchase Keith’s interest in the business following the occurrence of any of those specified events listed above and Keith gives me the same right. To make the arrangement even more secure, we each grant both “put and call options”.

The personal protection insurance for John is as follows:

Assume Keith has died; John may exercise the option to “call” upon Nicole, as the Widow, to sell Keith’s interest in the business to John at a predetermined price.

The protection for Nicole, the Administrator of Keith’s estate is as follows:

Alternatively, Nicole may have the option to “put” to John that he must buy Keith’s interest in the business.

The Put and Call Agreement

Arguably, the most tax effective way of structuring an agreement to embody your objectives is through an option agreement.

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