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19 Jan 10 Experiences From the Flow (24): the Ex Returns! Part 2

“It was a weird dream.

I am in bed with Nueng. Her face is nestled into my shoulder and her arm is draped over my chest.

She looks like a sleeping angel – mine, my special, lovely angel.

I inhale deeply, smile, and silently thank God for all the joy she has brought into my life. I smell her hair and the sweet fragrance makes me feel loved, safe, and secure.

Like an experienced ground fighter, Nueng has strategically wrapped a leg behind and around one of mine. (Even in her sleep, she’s afraid of me leaving her.)

Then I hear it.

It sounds like…like…no, it can’t be!

It sounds like the voice of my ex-girlfriend! She’s coming up the stairs, calling out to me, AND I REALIZE THAT THIS IS NOT A DREAM!”

“Prosperity: The eternal flow of all that’s good in life…”

By Carl “J.C.” Pantejo, Copyright May 2008

(Author “My Friend Yu – The Prosperity Mentor,” Copyright August 2007. Pantejo – Y.N. Vurce Publishing.)

*Below is the twenty-fourth installment in a series of real life events experienced by the author. The only deviations from the truth may be the names of people and places. These stories are also incorporated in “My Friend Yu – the Prosperity Mentor: Book II,” Pantejo – Y.N. Vurce Publishing. Release Date: 2008.

- Dramas -

Upstairs, in my bedroom and half asleep, I hear someone slip a key into the front door. The door creaks open (I always seem to forget to oil the hinges of that thing). I assume the person I hear entering my townhouse is my sister coming home from the open market where she sells clothes and second-hand items.

But then the sound of a voice puts me on instant alert.

It’s the unmistakable, girlish voice of my Ex-girlfriend (Kai)!

“J.C.! J.C., tee rak (darling)! J.C? Tee rak, kid tueng yu khun maak maak (Darling, I missed you so much)!”

I close my eyes again and listen more intently, hoping that this was not happening, maybe just a bad dream.

But the footsteps on the stairs confirm the worst. They are definitely the awkward, “stutter-steps” of Kai. (She was never the most graceful of women).

To prevent constant stumbling, she basically stomped her way through life. It was always an amusing sight to see her walk in her favorite high-heeled shoes (kind of like watching a spinning top wobbling as it begins to slow down).

- Locked Doors, Open Doors -

I had forgotten about the spare house key I kept amongst the shoes in a shoe rack outside the front door. The Ex didn’t. She had used it to “quietly” enter my townhouse and “surprise” me with her return.

By this time, Nueng was awake and knew what was going on. She put a finger to my lips and whispered “Shhhh…Reo, reo (fast, quickly)!”

Nueng wanted me to exit the bedroom before Kai reached the top of the stairs and “accidentally” lock the door behind me. Even under the most extreme circumstances, Nueng was always level-headed.

Damn! Why didn’t I move out of this townhouse when I decided to cut all ties with the Ex?

I had permanently written Kai out of my life over six months ago.

Nueng and I should’ve found another place, a secret place no one knew of (meaning her ex-husband and my ex-girlfriends), to genuinely start anew.

- Who Cares? -

Nueng, my sweet and strong Nueng.

She was the most honest and caring woman I’ve met in Thailand. I remember when the running water had stopped in our townhouse and we were tired and grimy from spending the day outside.

Without a fuss, Nueng grabbed some empty, six-liter drinking water containers, hopped on my motorcycle, and sped off to fill them up at the drinking water machine.

Upon returning, she then dumped the water into the large, black rubbish bin we used to store water.

When I offered to help, she just sniff-kissed my neck and told me to “Abp narm, tee-rak (bathe now, darling),” then sped off to get more water.

In short, she cares. She REALLY cares.

And I knew that it was my laziness (and stupidity) that has put us in this current situation.

- Same, Same? -

I kissed Nueng, whispered “Rak khun kon deos (I love you, only you), and quickly pulled on some shorts. Exiting the bedroom, I entered the upstairs hallway; locking the bedroom door behind me.

Double-timing it to the top of the stairs, I saw Kai.

I intercepted her on the small landing half-way up the stairs. As I looked at her, I didn’t really know how to feel.

Definitely, I was in shock.

It was as though all the feelings of rage, confusion, and despair I’d experienced during my discovery of her lies and infidelity were being painfully resurrected again.

The acidic emotions were beginning to reach my stomach (via my throat and heart).

It was like the reflexive shock, gasp, and searing pain you get when you accidentally gulp down some burning, hot coffee.

Apparently, Kai didn’t notice any hints of my inner turmoil. I guess she assumed that my expressionless, lukewarm demeanor was another one of those mysterious (translated: stupid) “Farang (foreinger) Things.”

She smiles her trademark, dazzling smile and hands me a belated Christmas gift (a small stuffed toy).

Wrapping her arms around me, she kisses me; then buries her head into my shoulder and says, “Me-lee Klees-mah (her attempt at saying Merry Christmas in English), tee rak. Chan rak khun (I love you).”

Uncomfortably, I accepted her gift and returned her embrace – ALL THE WHILE THINKING OF NUENG HIDING IN MY BEDROOM!”

As I held Kai, my only thoughts were:

“Wow. I don’t remember Kai being this small before. She feels so fragile! Nueng is so different, better. No matter how hard I hug Nueng, she can always hug me back harder.”

Then situational awareness returned and I led Kai by the hand back down the stairs, saying that we need to talk outside.

My plan was to take her out on the front porch, sit down, and ask her why she returned.

Of course, I pretty much knew already. In my mind, the scenario had been firmly formed:

1.Her “suicidal” boyfriend probably ran out of money.

2.Profoundly wise to her “money management habits,” I knew that she most surely was broke too.

3.Her more convenient cash cows were now unavailable or unwilling to be scammed again.

4.She probably thought she could easily convince me to take her back (until she could find something/someone better – again).

It’s always the same with her. It’s always about the money!

- She Knows! -

We finally reached the first floor. But to my surprise, Kai ignored all my requests to go outside, picked up her suitcase and charged back up the stairs!

It was then that “I knew that she knew.”

I attempted to stop her at the landing, she shrugged me off. She was furious. Her eyes were on fire, shooting flaming daggers as she looked at me, the bedroom door, and the plastic bags packed with all her belongings through the open door of the spare bedroom!

I had never, ever, ever seen her so fierce.

Additionally, I have never physically fought with a woman (civilian woman, that is) in my life and I was not about to start now.

Resigned to my fate, I slumped down and squatted on the landing and watched the scenes unfold.

The next thing I hear is Kai’s suitcase dropped on the hallway floor, then bedroom doorknob being jiggled several times, and finally the sound of Kai trying to open the door (unsuccessfully) with every key on the spare ring of keys.

(I knew that there was no spare bedroom key on that ring.)

Then the real show began.

Arrghh! Whack! Mah hee-ah (very bad Thai word)!! Thump! Krai (Who)! Whack-whack-whack!

Kai was screaming, kicking, and hitting the bedroom door. I thought she was going to break the door down!

- Poor, Little Girl? -

But then suddenly it was quiet, a deafening kind of silence.

I walked up the remaining stair to find Kai in a fetal position by my bedroom door, sobbing. Her whole world was shattering and she looked like such a poor, sad, little orphan girl. I felt like the world’s greatest heel.

Gently, I scooped her up in my arms and started down the stairs again.

Carrying her, I remembered the many times I’d found her asleep in front of the T.V. and carried her to bed. But now, she felt so light, so little, and so vulnerable.

What am I doing? What am I thinking? This woman in my arms used me. She used me like she used all the other men. She put me through hell!

I need to maintain. Stay focused.

For all I know, this is just another one of her tricks.

Besides, I have not forgotten Nueng. Nueng has never lied to me. Nueng has never squeezed me for money. Nueng has never abandoned me. Nueng deserves a man that will do likewise. Nueng loves me and I love her.

Half way down the stairs, at the landing, Kai reached out for the wooden railing and held a firm grip on it. She wanted down and out of my arms. And she wanted down now!

I put her on her feet and tried to wipe the tears away from her eyes, but she turned away. It was obvious that she didn’t want me to touch her anymore.

I saw ultimate hate in her eyes as she took off the gold ring and silver school ring I’d given her last year and flung them onto the floor of the landing. They sounded like coins being dropped into a beggar’s cup.

Bless her heart. She didn’t pawn them. Later on, I found out why. She didn’t need to. She had pawned my expensive cell phone instead.

Then she reached into her purse, extracted her ATM cards – the ATM cards that used to have access to two of my bank accounts, but deactivated by now – and threw them down too.

Plunk, plunk. They landed like thick, kindergarten playing cards beside the rings.

Through all of this, I was actually starting to feel sorry for her. I tried to, but didn’t have the heart to look at her. I just kept my head and eyes down, staring at the rings and ATM cards.

They look so lonely down there.

To regain my composure (and resolve) I briefly shut my eyes and took in a deep breath.

- Round Two -

The next thing I felt is Kai’s face on my chest. She has me in a bear hug. She is weeping like an unloved, neglected baby. I feel her tears running down my stomach. With each crying convulsion she squeezes me tighter and tighter.

Jeez! This little girl’s stronger than she looks!

Releasing her hug on me, Kai reaches up and holds my face in her hands. I open my eyes to see Kai’s teary, red swollen eyes, runny nose, and trembling lips.

She was hysterical (shaking uncontrollably) and hyperventilating.

Struggling through quick, short inhales, she whimpered, “J.C. mai rak Kai (J.C. no love Kai)? [sob, sob] Tamai (Why)? [sob, sob] Tamai, tee rak (Why, darling)? Chan rak khun (I love you). [sob, sob] Kai love J.C! Chan rak khun. Chan rak khun! (I love you. I love you!).”

Coughing and sniffling, she leans into my body and hugs me tight again…

(Continued in “Experiences from The Flow [25]: The Ex Returns! Part 3.”)

Your Friend in this Intrepid Journey called Life,

Carl “J.C.” Pantejo

Thailand, heartbreak, return, ex-girlfriend, cry, love, same-same, money, girlfriend, surprise, lie, infidelity, tricks.

Note: If you want to read more about Asian and Western cultural differences, relationship advice, discovering unconditional love, exorcising past personal demons, Universal Laws, and the Illusive Secret of Happiness, please read the following articles:

“Experiences from ‘The Flow’: From Heartbreak to Happiness”

“Experiences from ‘The Flow’ (2): Coincidence or Synchronicity: FROM RELAPSE TO MIRACLES…”

“Experiences from ‘The Flow’ (3): LOST AND FOUND – Kindred Spirits and Mistakes made in Haste.”

“Experiences from ‘The Flow’ (4): LOST AND FOUND – Meant to Be?”

“Experiences from ‘The Flow’ (5): “The Stray”

“Experiences from ‘The Flow’ (6): “New Beginnings, Old Endings”

“Experiences from ‘The Flow’ (7) – Living Well? Farangs and Finance: The Myth”

“Experiences from ‘The Flow’ (8) Living Well? Farangs and Finance: The Reality, Stupidity, and Hard Knocks.”

“Experiences from ‘The Flow’ (9): New Girlfriend, New Life.”

“Experiences from ‘The Flow’ (10): Farangs and Asians – Polarized Views.”

“Experiences from ‘The Flow’ (11) – Farangs: In (or considering) a long-term Western/Asian Relationship? Read This Now!

“Experiences from ‘The Flow’ (12) – Farang: Square Peg, Round Hole? Compatibility Issues.”

“Experiences from ‘The Flow’ (13) – Farang: Compatibility Issues II”

“Experiences from ‘The Flow’ (14) – Farang: Tipping the Scales. Good or Bad?”

“Experiences from ‘The Flow’ (15) – Farang: Interpretation of Your Results.”

“Experiences from ‘The Flow’ (16) – Farang: Make Your Scale Sway or Walk Away.”

“Experiences from ‘The Flow’ (17) – Farang: Further Interpretation. Lopsided Scales.”

“Experiences from ‘The Flow’ (18): A Good Tilt with a Bar Girl?”

“Experiences from ‘The Flow’ (19): Another Good Tilt with a Bar Girl?”

“Experiences from ‘The Flow’ (20): The Good Tilt – Enhancing your Compatible Relationship.”

“Experiences from ‘The Flow’ (21): Farang: It’s Songkran. Hide your wallet! Part 1.”

“Experiences from ‘The Flow’ (22): Farang: It’s Songkran. Hide your wallet! Part 2.”

“Experiences from The Flow (23): The Ex Returns! Part 1.”

“Alternative Notions of Life, a Different Path: Guardian Angels and Universal Laws.”

“Alternative Notions of Life, a Different Path (2): Trying too hard?”

“Alternative Notions of Life, a Different Path (3): First, Be Effective.”

“Alternative Notions of Life, a Different Path (4): Intend. Be Certain.”

“Alternative Notions of Life, a Different Path (5): Why me or why not me? Your choice.”

“Alternative Notions of Life, a Different Path (6): Gratitude – What’s Your Perspective?”

“Alternative Notions of Life, a Different Path (7): Happiness – Are you looking in the Right Place?”

“How Dare She! Out of Desperation I Learned How to Forgive”

“Remember Who You Are!”

“Need to Heal Your Broken Heart? Read on. Overcome Heartbreak and Learn the Illusive Secret of Happiness.”

“Simple (and Priceless) Life Lessons from the Most Influential Prosperity Mentor in My Life – My Father”

And much more!

(By Carl “J.C.” Pantejo and published internet-wide, keyword: [title of article] or “Carl Pantejo”)

Enjoy them, my friend.

Pantejo@ynvurcepublishing.com

About the Author:


He is a retired U.S. Military veteran. Believing that school was too boring, he dropped out of High School early; only to earn an A.A., B.S., and MBA in less than 4 years much later in life ? while working full-time as a Navy/Marine Corps Medic. In spite of a fear of heights and deep water, he free-fall parachuted out of airplanes and performed diving ops in very deep, open ocean water. He went to Thailand 2 years ago for a week?s vacation, fell into a teaching job, and has never left!


Carl ?J.C.? Pantejo
Pantejo@ynvurcepublishing.com

Founder, Y.N. Vurce Publishing
http://www.ynvurcepublishing.com

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19 Jan 10 Experiences From the Flow (21) – Farang: It’s Songkran: Hide Your Wallet! Part 1

By Carl “J.C.” Pantejo, Copyright April 2008

(Author “My Friend Yu – The Prosperity Mentor,” Copyright August 2007. Pantejo – Y.N. Vurce Publishing.)

“Prosperity: The eternal flow of all that’s good in life…”

*Below is the twentieth episode based on a series of real life events experienced by the author. The only deviations from the truth may be the names of people and places. These stories are also incorporated in “My Friend Yu – the Prosperity Mentor: Book II,” Pantejo – Y.N. Vurce Publishing. Release Date: 2008.

This is my second Songkran in Thailand. And the same thing is happening. Ex-girlfriends, women who have contacted me once or twice in the whole previous year, call me up with stories of crisis and emergencies.

It started during Songkran 2007…

Three weeks before Songkran 2007, I broke up with my first “real” girlfriend in Thailand.

- Noot -

She told me her name was Noot when we met. Months after we broke up, I learned that wasn’t her real name. We had been living together for about six months in an upper class condominium complex in Rangsit.

It was clean, had two aircon units, two balconies, a living room, a bedroom, a mini-mart and restaurant in the lobby, cable TV, internet café, manicured grounds, a good security staff, washers/dryers, adequate parking, and friendly management.

And, of course, it was expensive.

While we lived together, I taught English at the nearby, prestigious government High School Monday through Friday. Monday through Thursday nights, I taught adult English classes at Future Park (in one of the many Language schools located throughout the mall). On Saturdays, I taught another adult English class at a local International school. The pay was too good to turn down.

Why was I working so much?

Three reasons.

First, I didn’t want to spend any of my military pension while I was actually “living” in Thailand. For vacation? Yes. While living here? No. I wanted to see if a foreigner could, indeed, live comfortably in Thailand with only the money earned in Thailand.

Second, I love teaching and the novelty of teaching English in Thailand had not worn off yet. Granted, the High School students were pretty lame and unmotivated, but the adult students were great to teach.

Lastly, as this was my first girlfriend in Thailand, I was totally unaware of how much support (and gifts) I was responsible for. Consequently, I gave her outrageous amounts of money and some very expensive gifts.

- The Beginning of the End -

At about the four month mark in our relationship, I was beginning to wonder if it was doomed. I was just beginning to learn Thai and she did not speak English (even at the rudimentary level).

The lack of communication was strike number one.

During the next two months, I noticed other things happening. She played the head games that I’ve come to realize are the norm for so many young girls in the LOS.

She was a spendthrift, totally reckless with the money I gave her. She spent enormous amounts of money on all things trendy and feminine. She never saved any money. I guess she thought I was a limitless ATM machine.

Her lack of money skills was strike number two.

She was also a slob. Oftentimes, after coming home from my THIRD job, I would end up cleaning the condo, washing the dishes, or doing laundry.

She spent endless hours on the phone while the TV was on, both aircon units blasting at max levels, and playing on her PSP.

Why did I ask her to move in? Well, she was beautiful, caring, and sexy. I suffered from the common Thailand Rookie Syndrome: I let myself get blinded by beauty and sex.

Of course, her nymphomania was cured soon after moving in. The sex became less and less as the months went by.

(Granted, when it [sex] did happen, it was great, but I had this nagging feeling that it just wasn’t worth the rest of the bull$hi+.)

- Strike number three, she’s out! -

As I grew more and more fatigued from overwork and irritated by her antics, she became more and more demanding. The dreaded Family Emergency and guilt trip stories became more frequent.

The last straw came when she and her female friend (from two floors up) were watching TV in the living room and it was approaching 1:00AM. Their chatter and the TV’s loud volume were keeping me awake in the bed room.

Why is silence so deafening to Thai people?

I politely asked her friend to leave and explained that I was working early and needed some sleep. The truth was that I also wanted some sanook, sanook.

After the visitor left, I turned off the TV. My girlfriend looked shocked, as if I had just shot her mother! She began pouting.

Looking at the blank TV screen for a minute, she let out a loud exhale. Then, while doing a pretty good “about face” (for a civilian), she gave me a fake salute and went into the shower.

In spite of the sarcastic gesture about my military background, I thought, “Great, she’s getting ready for me.”

I waited for her to finish showering and wondered if I was, indeed, being too militaristic and controlling in our relationship. Even after five years of retirement from the U.S. Military, I still had vestiges of the lifestyle manifest now and then (usually when I was angry or stressed out).

But after assessing our live-in history, I brushed any thoughts of being a tyrant aside. I gave her much, much more freedom than most partners (Farang or Thai). I didn’t pry into anything I considered none of my business – although, in hindsight, I should have!

I provided her with an “allowance” that was larger than all her friends in the same situation. In fact, her monthly expenses were more than the monthly expenses of two average-sized, middle class Thai families put together!

I was always respectful, responsible, and affectionate.

All I asked from her was companionship when I was home, friendship (i.e., to have fun together – anywhere: at home, at restaurants, malls, cinemas, etc.), partnership in daily living (meaning: to share in the housework and daily errands), a little financial responsibility (e.g., no squandering of money), and a healthy, regular sex life.

What did she do while I was working so much? I don’t know. All I know is that the longer we stayed together, the more I felt that she was not willing to do (or possibly, not capable of performing) the most routine tasks. It was disappointing and frustrating.

I heard the shower stop.

Anticipating a nice romp in the sack, my mood changed instantly. She was always one of the best women in bed that I’ve ever met.

The combination of her young, curvaceous body; smooth, fair skin; shiny, jet black hair that cascaded down her back; exotic face; and angelic smile, was hard to beat.

I had never seen a woman with such a full, firm bust and butt, on an otherwise fat-free body, before. Her waist-to-hip ratio blew my mind. I have always described her bust as “unbelievably Hide-n-Seekable” and her waist as “tiny, just three palms wide” to my Farang friends.

As the bathroom door opened, I saw her step out with a towel wrapped around her waist. Her upper body was fully exposed and still glistening from the shower water. The cool air from the air conditioner had the desired effect (pencil erasers standing at rigid attention – Woo-Hoo! Thank you God.). The light behind her produced a full-body halo that made her look like an angel sent from above – just for me! Jeez! She was so beautiful!

I leapt off the bed, grabbed a bath towel and hung it on myself (guys, you know what I mean). Doing a “drive-by” sniff kiss on her neck, I skipped into the bathroom like a little kid.

True to convention, it was now my turn to bathe. I had already showered. But, for the girlfriend’s peace of mind and comfort level, I quickly showered again.

But when I came back to bed, she didn’t acknowledge my presence, rolled further away, and pretended to fall asleep.

I was having none of this! I pulled her to me and said I wanted some. She acquiesced, but instead of the usual raucous, loud, playful, and raunchy sex – the unbridled sex that made me feel decades younger when we met, she did the starfish routine on me. Uncharacteristically, she lay there motionless – like a beached starfish. I was so pissed-off that I didn’t even finish!

Thinking things over, maybe I was asking too much from her, especially after throwing her friend out of the condo?

Oh well, I decided to forget it and try to go to sleep. I moved to kiss her goodnight, but she copped an attitude and turned away.

Mai bpen arai (whatever, no problem), I whispered – to her and to myself.

But I could not go to sleep. The totally lopsidedness of the relationship was making me feel like a fool. I couldn’t see any way to turn this lose/win relationship into a win/win.

- Tossing and Turning -

I thought about all the things that I had been trying to forget. I thought about her extended trips home (supposedly to Cambodia). I thought about all the money I was throwing away on her. I thought about her late night calls to her “brother.” I thought about our continual state of miscommunication. I thought about her sloppiness. I thought about her attitudinal changes about me and about sex. I thought about being tired all the time from my multiple jobs. I thought about how she threw away money on stupid things and on her friends. Then I thought about how little I asked of her.

How dare she cop an attitude on me!

At 4:00AM, after tossing and turning for almost three hours, I sprung out of bed, grabbed a large, black (clean) trash bag, and began to throw her clothes in it.

Apparently, the girlfriend was not asleep either. Without a word, she got up, took the trash bag from me, and continued packing her clothes. I went to the balcony and watched her pack her belongings while I smoked outside.

She called and woke up her friend. Ten minutes later, both of them were packing up the soon-to-be ex’s remaining knick knacks, toiletries, and stuffed animals. She packed up the PSP and her Nokia N72 cell phone (gifts I bought her for her birthday). Then she picked up the Sony camcorder I bought for the both of us for Christmas, put it down, and looked at me. I nodded a “yes” and she quickly packed the camcorder into her brand name, oversized shoulder bag too.

Then, without a fuss, they left. Amazing.

It was about 5:15AM – too late/early to go to sleep. I had to get up at 6:00AM anyway. So, I just made a cup of coffee, smoked, and thought about what had just happened.

I knew it would be rough. I was so used to her being around. I knew I would miss her, but I couldn’t live like this. I’d had enough. It was for the best. And with that thought, I actually felt relieved.

The next day, she and her friend came down to my room. She motioned that she left her toothbrush in the bathroom and immediately stepped in and went to go get it. I watched her. She went into the bathroom for maybe three seconds. For the next ten minutes she poked around the rest of the condo, supposedly looking for her toothbrush.

I knew what she was doing. She was looking for another woman (or evidence of another woman). She couldn’t believe that a man would break-up with her just to be alone. In her mind, it JUST HAD to be another woman.

Search unsuccessful, she started to leave my condo sullen. Clearly, she had prepared herself for a cat fight and now there was no one to fight.

I touched her shoulder and said “Kao tot na kraap, tee rak (Sorry, darling). Lar gone (Good bye). Choke dee (Take care).”

Saying, “Mai bpen arai,” she left with her friend.

(Continued in “Experiences from ‘The Flow’ (21): Farang: It’s Songkran. Hide your wallet! Part 2.” – They NEVER go away for good…)

“Until next time, find ‘The Flow’ and jump in!”

Your Friend in this Intrepid Journey called Life,

Carl “J.C.” Pantejo

Farang, Thailand, Songkran, call, SMS, girlfriend, ex, sexy, cruelty.

Note: If you want to read more about Asian and Western cultural differences, finding unconditional love, exorcising past personal demons, Universal Laws, and the Illusive Secret of Happiness, please read the following articles:

“Experiences from ‘The Flow’: From Heartbreak to Happiness”

“Experiences from ‘The Flow’ (2): Coincidence or Synchronicity: FROM RELAPSE TO MIRACLES…”

“Experiences from ‘The Flow’ (3): LOST AND FOUND – Kindred Spirits and Mistakes made in Haste.”

“Experiences from ‘The Flow’ (4): LOST AND FOUND – Meant to Be?”

“Experiences from ‘The Flow’ (5): “The Stray”

“Experiences from ‘The Flow’ (6): “New Beginnings, Old Endings”

“Experiences from ‘The Flow’ (7) – Living Well? Farangs and Finance: The Myth”

“Experiences from ‘The Flow’ (8) Living Well? Farangs and Finance: The Reality, Stupidity, and Hard Knocks.”

“Experiences from ‘The Flow’ (9): New Girlfriend, New Life.”

“Experiences from ‘The Flow’ (10): Farangs and Asians – Polarized Views.”

“Experiences from ‘The Flow’ (11) – Farangs: In (or considering) a long-term Western/Asian Relationship? Read This Now!

“Experiences from ‘The Flow’ (12) – Farang: Square Peg, Round Hole? Compatibility Issues.”

“Experiences from ‘The Flow’ (13) – Farang: Compatibility Issues II”

“Experiences from ‘The Flow’ (14) – Farang: Tipping the Scales. Good or Bad?”

“Experiences from ‘The Flow’ (15) – Farang: Interpretation of Your Results.”

“Experiences from ‘The Flow’ (16) – Farang: Make Your Scale Sway or Walk Away.”

“Experiences from ‘The Flow’ (17) – Farang: Further Interpretation. Lopsided Scales.”

“Experiences from ‘The Flow’ (18): A Good Tilt with a Bar Girl?”

“Experiences from ‘The Flow’ (19): Another Good Tilt with a Bar Girl?”

“Experiences from ‘The Flow’ (20): The Good Tilt – Enhancing your Compatible Relationship.”

“Alternative Notions of Life, a Different Path: Guardian Angels and Universal Laws.”

“Alternative Notions of Life, a Different Path (2): Trying too hard?”

“Alternative Notions of Life, a Different Path (3): First, Be Effective.”

“Alternative Notions of Life, a Different Path (4): Intend. Be Certain.”

“Alternative Notions of Life, a Different Path (5): Why me or why not me? Your choice.”

“Alternative Notions of Life, a Different Path (6): Gratitude – What’s Your Perspective?”

“How Dare She! Out of Desperation I Learned How to Forgive”

“Remember Who You Are!”

“Need to Heal Your Broken Heart? Read on. Overcome Heartbreak and Learn the Illusive Secret of Happiness.”

“Simple (and Priceless) Life Lessons from the Most Influential Prosperity Mentor in My Life – My Father”

And much more!

(By Carl “J.C.” Pantejo and published internet-wide, keyword: [title of article] or “Carl Pantejo”)

Enjoy them, my friend.

Pantejo@ynvurcepublishing.com

He is a retired U.S. Military veteran. Believing that school was too boring, he dropped out of High School early; only to earn an A.A., B.S., and MBA in less than 4 years much later in life – while working full-time as a Navy/Marine Corps Medic. In spite of a fear of heights and deep water, he free-fall parachuted out of airplanes and performed diving ops in very deep, open ocean water. He went to Thailand 2 years ago for a week’s vacation, fell into a teaching job, and has never left!


Carl “J.C.” Pantejo
Pantejo@ynvurcepublishing.com

Founder, Y.N. Vurce Publishing
http://www.ynvurcepublishing.com

Tags: , , , , , , , ,

10 Jan 10 Do You Make These 7 Deadly Cash Flow Mistakes?

Managing cash flow is every small business owner’s most
important function. Avoid these seven deadly mistakes to make
sure you aren’t creating cash flow problems in your business.

1. Using the “Fly By The Seat of Your Pants” Accounting Method.

When tax time rolls around do you find yourself pawing through
piles of paper on your desk looking for credit card receipts
from your business trip? Or are you upside down digging under
the seat of your car trying to figure out where all your gas
receipts are? Are you wondering if that coffee stained piece of
paper is an invoice from a supplier? Do you have a vague feeling
that someone, somewhere owes you money but, you just can’t
remember who it is? If so, you’re probably guilty of operating
with the “Fly By the Seat of Your Pants” accounting method.

Using this accounting method has a tremendous impact on your
business’s cash flow. Unless you have a system to track your
business finances, you’ll always be operating in the dark and in
danger of imitating George of the Jungle as he slams into a tree.

2. Not Knowing What the Numbers Are All About.

Once you have a real honest to goodness useful accounting system
that’s where the real fun starts. You’ve got a bunch of numbers
but what in the world do you do with them? Understanding what
the numbers mean is crucial to your cash flow. Are sales
trending up or down? Are expenses rising faster than sales? Is
one product more profitable or better selling than another? How
much do I need to sell to meet expenses each month? Can I take a
paycheck this month? The answers all lie in the numbers.

3. Mismanaging Credit: I Owe You, You Owe Me.

There are two ways to mismanage credit in small business:

1. Granting credit without wise credit policies 2. Using credit
with no plan of how to pay the bill.

Both have a huge impact on your cash flow and are often closely
related. Here’s a scenario to demonstrate that point. You have
an opportunity to work on a big project but to do the project
you need to order materials. So, you order materials from a
supplier who expects payment in 30 days but you won’t receive
cash for the project for 60 days (or 90). Immediately you’ve put
yourself into a cash flow crunch that could take months or years
to recover from financially. In the meantime you’ve passed on
smaller jobs that would have provided quicker cash at less cost.
And, if you’re not able to come up with the cash for your
supplier, you’ve endangered that relationship as well.

4. Ignoring the relationship between Receivables and Payables.

Do your Receivables and Payables “play nice” with each other? In
a perfect world your receivables (what customers owe you) would
be paid just in time for you to pay your payables (what you owe
your vendors). But, if you’re a small business owner you know
Rule #1 is “Stuff Happens”. The customer you thought would pay
his bill this week, doesn’t. So the bills you thought you could
pay this week, don’t get paid.

Are your Payables in balance with you Receivables? If what you
owe to others is far more than what is owed to you, then,
Houston, you have a problem.

And it’s not just the balance that’s important, it’s the quality
as well. If your receivables are as old as your Aunt Tilly,
chances are good you’ll never see the cash.

5. Focusing on profit instead of cash flow.

Ahh, Profit. The ultimate goal of every business. Or is it? Did
you know that many businesses that fail are operating at a
profit? How can that be? For the small business, cash flow is
the ultimate goal. No cash flow. No business. Period.

What’s the difference? Mostly the difference is in the decision
making process. “If I take on this big job, it will earn me a
huge profit, but if I take on five smaller jobs, I’ll have cash
to pay my bills.” Yes, you want to be profitable but every
decision has to be measured against the effect it will have on
cash flow.

6. Forgetting your debt to society.

Some bills are easy to forget. Bills like sales tax, payroll
taxes, estimated taxes. They sort of sit out there, almost off
the radar screen. They don’t have to be paid right away. It’s
easy to forget them until BAM! they’re due and they’re due right
now. And you better have the money to pay them or you’re in hot
water with the Tax Man. That’s not a place anyone wants to be.
Pay them late or not at all and you end up with penalties and
interest on top of what’s already due. Cash flow problems result
as you rob Peter to pay Paul. It can take months or even years
to recover.

7. Spending your company’s future on a speed boat.

Haven’t you always wanted a speed boat? Or a fancy car? Or an
all expense paid trip to the Bahamas? It might be tempting to
try to pass your personal purchases off as tax deductible
business expenses. But, it’s a bad idea for two reasons.

The folks who work at the IRS are over-worked but they’re not
stupid. The last thing you need is an audit. An audit that could
reveal your transgressions and could result in an unexpected tax
bill plus penalties and interest. Again, huge cash flow headache!

Here’s the other reason it’s a bad idea. Are you spending your
company’s future on frivolous or unnecessary expenses? Small
businesses operate close to the edge. Unless you have a reserve
to see you through the tough times, you’re always in danger of
being on the wrong side of that edge. You’ve got to take care of
the golden egg laying goose first. Then, you can pay yourself a
properly taxed bonus and buy all the toys you want.

Caroline Jordan, MBA helps small business owners understand,
diagnose, and improve cash flow in their businesses. For more
information and resources to improve cash flow visit
http://www.TheJordanResult.com/mastering.html .

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