Hi Randy "RW" Biggs here,

Let Me Share A Story With You....

...about a young man that had a burning desire to make money and own his own business.

He came from a lower class family of 12.   That's right 12 brothers and sisters.

His father was an over the road truck driver that was forced to go on government disability when he was 51.

His doctor told him he had cancer (leukemia) and only had 5 years to live.

His mother was a stay at home mother.

She was a very proud woman who refused to accept charity until she felt like she was forced to accept the government cheese and bean handouts to feed her kids.

The summer after 8th grade this young man got a job stocking shelves and delivering groceries by bicycle at the corner mom and pop grocery store.

He started at 90 cents an hour.

His father died when he was 15.

His mother was forced to go clean houses of some of the wealthy business owners in town to make ends meet.

He worked at that corner mom and pop grocery store through most of his high school years and learned the ins and outs of business through the husband and wife team that owned that store.

He knew right then and there that he wanted to own his own business and live a better life.

When he graduated high school and turned 18, he joined the US Marine Corp.

The Vietnam war was still going on but was coming to an end.

After going through basic training at Parris Island, South Carolina he was off to training as an aircraft inspector and then off to see the world.

He traveled to the Atlantic, Pacific, and Indian Oceans and visited many foreign countries during his tour of duty as a Marine.

But, he still had this burning desire to own his own business so he went to business college on the GI Bill.

During this time he was fascinated by the direct mail business and mail order. 

He learned all he could and bought many books and home study courses about mail order and direct mail.

He started a home based mail order company and he felt he was fairly successful, but college ended and he was offered a job at a finance company as a loan collector.

He was rapidly promoted to management positions and successfully managed different loan and mortgage offices for this finance company.

He yearned for something more.

He quit that job and started selling life insurance door to door on commission only. 

In the back of his mind, he knew that this experience would be invaluable in his later years when he started his own business.

He learned a lot from selling door to door, but still wanted more.

After a few years, he went back to his job at the finance company.

He was promoted and transferred to a different city to manage office operations there.

He jumped at the chance to become an executive at a savings and loan, managing the state wide mortgage operations for them.

After a year, this California savings and loan bank went bankrupt.

He was out of a job and didn't know what to do.

He was forced to sign up to receive unemployment benefits after a few weeks, but still had this desire deep in his gut to own his own business.

During his days at the finance company and selling insurance he had bought and sold rental real estate, so he decided to start looking to buy and sell more rental properties while he was unemployed just as something to do.

While looking for real estate to buy he came across a classified ad selling a franchise business in a local shopping mall.

This was in the spring of 1989.

He called the number in the ad and received all the details about this business, but the numbers just didn't add up for a profitable business.

So his dreams of owning a business were put on hold again.

He was offered a job at another mortgage company managing their statewide operations.

This job had its perks.

A company car, a good salary, great benefits, and solid bonuses.

After a few months the franchise business that was for sale in the classifieds, called him and asked if he was still interested in the business.

He told them he was interested but, not at the price they were asking.

During one of the phone calls they asked him if he would come down to Texas to discuss the opportunity.

They said they would pay for the air plane flight down and pay for the room in the hotel.

Of course he said OK.

In his mind he was thinking that he wasn't just going to go down to Texas just to discuss this business, he was going to buy it but, at a price and on the terms he wanted.

He went and took loans out at 3 different loan companies for $10,000 and purchased a bank cashiers check.

He figured if he couldn't buy this franchise business with this money he could just repay the loans when he returned.

He flew down to Texas and the next morning the franchise reps picked him up and they all went to the franchise office.

As soon as he walked into the conference room, he placed that $10,000 cashiers check in the middle of the table facing the franchise reps.

An hour later, he had purchased that business with $10,000 down and with the franchise company financing the rest of the purchase.

The franchise reps had guaranteed him that the business had $45,000 in inventory and the remainder of the purchase price of $115,000 was in fixtures and franchise fees.

Flying back to his home town he was flying high, both literally and figuratively, he felt amazed that he had pulled this off.

After the required week of franchise training in California, he met the franchise people at the retail store in the mall so the business could be transferred to him.

Well he found out that the people in Texas didn't exactly tell him the truth.

The business had less than $20,000 in inventory.

The inventory problem was solved when he negotiated with the franchisor and they gave him $30,000 cash in the form of a line of credit to buy inventory through them. 

He thought, "I better spend this line of credit fast before they find a loop hole and take the money back." 

Within the first few months he had spent that line of credit by restocking the store with new inventory.

During the first year he grew his little retail business by over 30% from $218,000.00 the year before to $283,400.00.

He paid back the $10,000 that he had borrowed and had money in the bank from the profits of the business.

But problems occurred and the franchisor itself was having financial problems and decided to file for bankruptcy protection. 

During the bankruptcy, the franchisor was going to let the franchise agreement and the buy back agreement terminate and not renew his sublease.

He had to scramble and after talking to his attorney a decision was reached to file for Chapter 11 Bankruptcy as well.

His attorney negotiated with the franchisor's attorney that he could leave the franchise and lease the space that the retail store occupied directly from the shopping mall management.

With that negotiation and through the bankruptcy process, the balance on the original purchase price that was financed was reduced to just under $30,000.

So in the end in his mind, he had bought this business with $10,000 he borrowed and paid back with the income from the business.

And the purchase price was reduced to $30,000, so effectively he bought the business for zero of his own money if you take into account the $30,000 in inventory credit he received.

The very next year the business grew to $368,420 in sales, and the next year almost $478,946 in sales. 

Fast forward a few years and the business was growing like gang busters. 

Business was good, he was feeling "successful"!

During his first few years in business, he developed in store programs where he gathered his customers names and addresses so he could send them postcards and letters for special sales he would run.

This was just before the age of computers and everything was done by hand, on 3 x 5 cards.

He decided to run a promotion and bought an ad in the local Money Mailer program.

He offered a Free item but the customer had to physically visit the store to redeem the coupon.

Each time a new customer would come in to redeem the coupon he would get their name and address so he could mail them later.

The promotion offered the prospective customer a free product each month for the next 12 months and all the customer had to do was visit the store each month.

This promotion was super successful and the more free stuff he gave away the  more customers he got.

And he knew though trial and error that each new customer would actually purchase more when they redeemed their monthly freebie. 

He had figured out that each customer on average would stay a customer for over 5 years and continue to purchase month after month.

One day while he was driving home he was listening to the local talk radio station and a new talking head was introducing himself and telling his listeners a little about himself. 

This radio talk show host smoked cigars, not just any cigars, but premium imported cigars.

It wasn't mentioned before what type of retail store this young man bought, but it was a little 382 square foot premium cigar shop.

He thought why not send this radio talk show host some cigars and welcome him to town and maybe get some free publicity at the same time.

When the radio talk show host received the cigars he talked about what he got and where they came from on air.

WOW this worked, free advertising, he thought!

He started sending this radio talk show host a free box of cigars each week and the more he sent the more this radio talk show host talked on air about the cigars and the local cigar shop that he got them from.

The young man's cigar business exploded in sales.

The radio talk show host was invited to be the guest of honor at a cigar dinner event that was planned.

And this led to an hour long radio show talking about cigars, during prime time hours, on that radio station.

It was a 50,000 watt radio station so their listeners were from all over the state.

His cigar business just continued to grow.

Then the radio talk show host arranged with a local morning TV show host to have this little cigar business in the shopping mall featured during the early morning news broadcast.

Sales were just taking off during this time from all the exposure this little cigar store was getting.

"It was time to expand the retail store", the young man thought. 

And negotiations were started with the mall owners for a larger storefront in the shopping mall.

Just after a lease on the new mall store was negotiated and signed, and new architectural plans were approved, the mall changed ownership.

The new owners gave his store 30 days to vacate the mall.

No reason why.

No answers to questions.

"Could it get any worse and especially at this time?" he thought.

So he scrambled to find a new location with the thought in his mind that the business he bought and built up was collapsing around him.

He found a new retail store space with 2000 square feet for a lot less money monthly than what it had cost him in the mall, remodeled the space, and moved in within 2 weeks time, this was in 1996.

Business actually had gotten better with the new store.

Three months later he was offered a smaller cigar store in the new shopping mall that was built downtown and he bought that store with the thought of having two locations, an expansion of his business, and more money.

He negotiated with the new mall management and secured a 1 year lease on space on the 3rd floor with the movie theaters and nightclubs and moved that smaller cigar store to the new space.

After 1 month the mall management came to him and said he would have to vacate at the end of the year which was 3 months away.

The mall had given exclusive rights for selling cigars to a new restaurant and store that was moving in.

Talk about a let down.

His new store had very shortly produced the same amount of income as the other retail store he owned.

Effectively doubling his income.

"Another defeat", he thought!

During this same time period, the internet was just beginning to take off.

He actually had tested and was selling online via email and classified ads on AOL since 1994.

He decided to build a website and build an online business.

He worked day and night and built over 250 pages on his new website. 

Basically just catalog pages with everything he sold in his retail store.

Every page had to be hard coded since there weren't any WYSIWYG easy web page programs or Word Press programs, that didn't cost an arm and a leg.

The internet side of the business was successful and grew steadily each month with sales coming in almost "automatically".

On the side, he consulted with a few new retail business owners and partnered with someone to open a new retail store.

The partnership was soon dissolved due to disagreements about how to operate a retail store.

During this time, he was not only selling products through his website but was also selling on a newer website called eBay.

Soon the internet business was producing over $10,000 a month.

Then without warning, in 2002 eBay had purchased PayPal and they stopped accepting tobacco products for sale on the site.

PayPal even cancelled all of his accounts with them because he was selling tobacco products.

Two days before Christmas that same year he began receiving FedEx overnight letters from different States Attorney Generals office.

He was being sued by 15 different states for selling products in their state without a license. 

"Merry F***ing Christmas!"  he thought.

Talk about a scary moment! 

He was scared and stressed so much.

Come to find out, the States Attorney Generals offices were just on a fishing expedition and just wanted him to start paying them state taxes.

Since his store was not physically in their states, there were no laws broken.

They were just trying to strong arm him.

A year or so later as the business continued to expand, his bank stopped Visa and MasterCard sales for online tobacco sales.

Internet sales dropped to practically nothing.

It seemed like he was taking 1 step forward and then 2 steps backwards.

He arranged other payment methods via checks and in house financing, until the checks arrived in the mail, for online sales.

His internet side of the business was flourishing again.

He soon outgrew his 2000 square foot location and moved into a new 4800 square foot location just around the corner. 

The new monthly lease payment was just under $5000.00, but with increased sales projected he knew it was worth it.

He negotiated and was approved with a new credit card payment processor for online sales.

Everything seemed to be going great.

Business was great.

Income was up to almost a million a year and the businesses were valued at about $3 million by a local financial expert.

He was living the good life.

He was interviewed many times by the local TV and radio stations. 

He was the go to guy for on air interviews by the local TV and radio stations when they needed opinions on the industry. 

He was written up in 2 different industry magazines about his successful business.

Things couldn't have been going better for his business, but his home life was in chaos. 

Suddenly, his wife wanted a divorce. 

He knew it was coming, though. 

It was just a matter of time.

More stress! 

More attorneys! 

More wasted money!

It wasn't that messy of a divorce but it did take about five years to settle. 

His wife wanted half of everything.

She finally settled for about a quarter of a million dollars in cash and assets.

Then in 2013, the day after Thanksgiving, his credit card processor stopped the Visa and MasterCard approvals, processing, and funding.

MasterCard required a "special approval" for his cigar business, since the industry he was in was considered a risky business.

He complied almost immediately and received the required approval from MasterCard immediately after paying their annual fee of $200.

Then that same credit card processor, all of a sudden, required a specific online shopping cart that they had an approved relationship with.

"Another hoop to jump through", he thought.

His shopping cart provider that he had been with for almost 20 years was compliant with all the federal laws and industry standards.

But that wasn't good enough.

His credit card processor required a specific online shopping cart for compliance.

Internet sales dropped to almost zero again!

He had to scramble to arrange a new online shopping cart, but his current website hosting provider wouldn't answer his phone calls or emails to set up the new shopping cart provider.

He quickly arranged a new hosting provider and he thought everything would be fine now.

But, traffic to his website went from 30000 unique views per month to less than 100 unique views each day when he switched website hosting providers. 

All his page one rankings on the search engines disappeared almost overnight.

Once again he had to rebuild the internet side of the business.

Then to his surprise, his credit card processor wanted to impose a $50,000 fine for operating without the special MasterCard approval.

He negotiated this fine down to $20,000 but couldn't negotiate a repayment plan with the credit card processor.

The credit card processor immediately tried to debit his business bank account for the $20,000.

His bank called him and the debit was stopped.

Then suddenly and without warning the credit card processor halted depositing funding of his credit card sales for his brick and mortar store as well.

He had separated each business into its own corporation years ago.


But the credit card processor didn't care that it was 2 different corporate entities.

They were assessing corporation #2 the fine but holding back credit card funds from corporation #1. 

Essentially, taking money from corporation #1 to pay corporation #2's fine.

"This can't be legal!", he thought.

(In 1989 when he bought the business, credit card sales amounted to about 25% of his daily sales.

But in 2013, credit card sales were a little over 75% of his daily sales.)

Not being able to accept credit cards he had to go to cash only sales.

His sales dropped from over $2000 a day to under $500 a day.

His business was rapidly failing. 

He went from tens of thousands of dollars in his bank accounts, to zero money in his bank accounts.

Rent was overdue, taxes were overdue, licenses were expiring and had to be renewed, payroll had to be met, he hadn't been paid a salary in over 5 months, and there was not enough money in the bank and not enough money coming in daily to take care of these and other expenses.

Over an agonizing weekend, he made the grueling business decision to close the retail store after almost 25 years in business.

It was a brutal decision since his youngest son was working in the store.

He was out of business, out of a job, and with no money.

All he had left were the assets of the business.

He auctioned off everything that he had accumulated over the years and paid off as much business debt and taxes that he could.

Everything he worked hard at for 25 years disappeared overnight.

He lost everything.

It was goodbye to his wealth, his career, and his livelihood.

He was dead broke........
 

One more thing you should know......... this is a true story.

The guy I've been talking about, it's ME.        Randy Biggs
Everything in this story is 100% true, because I lived it.

I wanted to tell you this story because I wanted to share with you that when that happened, when I lost everything, I was where you may be right now.

No job, no money, all the stresses of life, and feeling like a failure.

I also wanted to share with you the feeling of never, ever giving up even after so many problems and what may seem like defeats.

  • I could have given up when I lost my job at the bank,

  • I could have given up and stayed at the lousy job at the mortgage company and not have bought the franchise business which was my dream,

  • I could have given up when the franchisor went bankrupt,

  • I could have given up when the mall management told me to vacate the mall in 30 days,

  • I could haven given up when the other mall management broke the lease that they just signed and told me to vacate by the end of the year,

  • I could have given up when eBay refused to allow tobacco products to be sold,

  • I could have given up when PayPal refused to allow payment for tobacco products, 

  • I could have given up when the 15 different states attorney generals were suing me,

  • I could have given up the first time the credit card processors stopped paying me,

  • I could have given up during my divorce,

  • I could have given up when the 2nd credit card processor demanded a new approval, fee, and shopping cart, but I didn't.

  • I could have given up when I lost my income and my business after 25 years, but I haven't.

 

What makes me any different than you. 

Nothing at all. 

I'm probably more like you than you realize. 

I just don't give up easily and I know you don't either.

I just found ways to work out a solution to my problems, just like you will and I will help you.

 

  • Like when I found a solution to buying the franchise in the first place, with none of my own money,
  • When the franchisor lied and didn't have the right amount of inventory on hand, and they gave me a line of inventory credit,
  • When I started building a list of customers way before the internet days, my customer list,
  • When I got free advertising on the radio and then the television, Free PR,
  • What I did when eBay and PayPal refused me,
  • What I did when the 15 different states attorney generals were after me,
  • And what I did to work out the credit card processing problems.

What it's like to think outside the box to solve those business problems and all the other little things that occur on a daily basis in business.

You know, I still have this deep burning desire to provide for my kids (even though they are grown men now), my loved ones, live the good life, to have a nice home, and give my kids a good future. 

I still have that dream.

I have one thing going for me. 

I knew from all my previous experience like when I started a mailing list, when I ran freebie special promotions to get customers names and addresses, the public relations with the radio and TV guys, dealing with the landlords, creating the web pages, doing the email marketing, pay per click ads, search engine optimization, and solving all the other problems, that the internet is a vast gold mine waiting to be tapped. 

I had it tapped for 20 years, now if I could just do it again.

So that's what I've done for the past year.

Coupled with what I knew and experienced over 35 years in business, I've learned all the new methods, secrets, and all the resources that will enable me to get all my wealth back and I'm on my way.

I will never surrender, and I know you won't either.

I know both the bad side of business and the great side of an online business.

  • What it's like to see 10 to 20 cash orders coming in every single day like clockwork from my websites.
  • What it's like to earn $80,000.00 in one month.
  • What it's like to consistently make $50,000 to $80,000 month in and month out.
  • What it's like to send an email on Friday to a small mailing list of less than 200 customers and have $4500.00 in orders waiting for me first thing on Monday morning.
  • What it's like to integrate email, Facebook, Twitter, and other methods to get customers to attend an in-store event and sell over $5,000 worth of product in one night.
  • How to build a customer list.
  • How to market to that customer list.
  • How to get great customer testimonials.
  • Solving customers needs and wants.
  • Having customers that love me and my business.
  • What it feels like to see a smile on your customers face.
  • What it feels like to truly help your customer.
  • What it feels like when a customer becomes your friend.

I'm going to share with you, over the course of our personal business relationship, all those new methods, secrets, and resources, as well as all of the old strategies that still work that I've experienced over my 35 years in business. 

Would that be good for you?

With this information, you can start from nothing like I had to do.

Click the "Click To Continue" Button below to schedule a Free Strategy Session with me about how to start and grow your business online so that you will be financially independent and live the life of your dreams.

 
Randy "RW" Biggs
 

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