Take Action – Contact Me!

Minimum Bottom Line Profit Should Average 9.4%!
After Income Taxes Are Paid!
For Trades & Subcontractors, at Least 11%

I enjoy hiking, one step at a time to get to the top. Business success is processed the same way, one step at time. This is also how I developed my skills related to the construction industry. If you are not making at least 9.4% net profit after taxes, you are not in the upper half of all contractors. The upper 20% clear 12% net profit after taxes. For trades, remodelers, single focus subcontractors and special skilled independents; net profits exceed 11% after taxes. If you want this level of profitability, then you need me to implement the systems, controls and policies that will ensure financial succcess.

I offer my services to my readers. My first two hours of contact are free so we can discuss existing issues and see if it is worthwhile for you to engage my services. I need to identify the relevant issues and provide an estimate to address your concerns.

My services include:

  • Modifying your existing accounting system including the software to properly match construction industry standards.
  • Analyzing accounting and business attributes including comparison to other similar operations.
  • Business Consulting
  • Preparation of quarterly and annual reports including trial balance adjustments and tax adjustments; this includes communication with your CPA about relevant tax issues.
  • Implement business process improvements; policies and procedures; internal controls and a file management system.
  • Training of staff.

* I no longer provide tax preparation services but will communicate with you and your CPA concerning any tax relevant issues I uncover. I am no longer a public accountant and therefore do not render audit opinions.

The entire process consists of several steps as follows:

  1. Initial understanding of your concerns (the two hours of free time);
  2. Preparation of an estimate to provide services;
  3. Signing of an agreement between us;
  4. A retainer is paid by the client;
  5. Services are rendered in accordance with the estimate;
  6. A statement of satisfaction is issued by the owner communicating acceptance of the work.

My fees vary depending on the nature of the issues at hand; but in general they follow this schedule:

Hours of Work      Fee/Hr
0 – 5                          $135
6 – 40                        $115
>40                           $97
Long-Term           Negotiated

Many projects are less than 10 hours of work and are completed in two to three interactions. 

I generally perform the services using remote access to your computer with the controls set by you. For example, Team Viewer is one software that allows the partner to reset the password by simply closing the software; thus resetting the password to gain access to the computer. Other examples include Log-Me-In or Right Newworks. I often work before or after hours so as not to tie up technology in your office.  

If you desire to initiate a meeting; please contact me via e-mail: dhoare@comcast.net . I typically respond within a few hours.



An Alternative to the PayPal system is to use your credit card by clicking on this button and then entering your payment amount.

Value Investing

This website is dedicated to value investing. Value investing has one business tenet – ‘Buy Low, Sell High’. 

Value investing is a systematic approach to buying and selling financial instruments, more specifically, stocks. The ideal method is to find publicly traded stocks that are currently priced at or near their intrinsic value, buy them and sell them once the market price reaches maximum price tolerance. In effect, buy low, sell high. 

The value investing concept was initially developed by Benjamin Graham in his first edition of Security Analysis written in 1934. The core premise of value investing is ascertaining what the intrinsic value of a particular stock equals. It is essential to purchase the stock at a low price in order to maximize a return on investment. In the revised edition of Security Analysis updated in 1962, Benjamin Graham identified a formula to calculate intrinsic value with stock:

Value = Earnings times (a constant of 8.5 plus two times an average expected growth rate over the next seven years).

In mathamatical short-hand:

V= Earnings (8.5 + 2g)

Since the time period of the formula’s presentation, there have been many documented reviews and suggested modifications. One significant exception to the formula is that it does not take into consideration the time value of money. However, the formula is still accepted as the prima facie standard to this day. With the inclusion of financial analysis, industry knowledge and patience; value investing is considered the irrefutable leader of investing methodology.

This site takes this formula and along with other intrinsic valuation algorithms educates the investor about this proven systemtic method to buy and sell stocks. This method is rooted in four core principles:

  1. Risk Reduction – Buy only high quality stocks;
  2. Intrinsic Value – The underlying assets and operations are of good quality and performance;
  3. Financial Analysis – Use core financial information, business ratios and key performance indicators to create a high level of confidence that recovery is just a matter of time;
  4. Patience – Allow time to work for the investor.

The lessons, tutorials, webinars, white papers, spreadsheets on this site are designed to teach these four principles. In addition, this site has over 500 supporting articles that augment the lessons and the program. It is effectively the best resource center available to learn about and implement a personal value investment fund. The annual goal is to achieve 30% plus returns.

To prove the system works, the author created an investment fund example. Look at the results from the first year. The investment fund outperformed the DOW Jones Industrial Average by 353%! Actual return for 2020 was 35.46%.

The second year activity is currently exceeding a 35% annual return on the investment.

How is this possible?

The program advocates the creation of ‘Pools’ of similar industry potential investments. It is essential for the investor to become an expert in a particular or a few industries. Each pool consists of no more than 8 companies, all with similar market capitalization positions and compliance requirements. A value investor utilizes three or four pools of investments to take advantage of different economic wide, industry specific and corporate level influences on stock prices. Therefore, there are about 20 to 30 companies tracked for each member participating in this program. 

A member of this website’s investment club has access to three pools provided by the club and all the associated analysis and individual corporate buy/sell models used to set the buy low and sell high points for each stock. 


If you are interested in learning more, go to the Membership Program page under the Value Investing section in the header above. 

Join the value investing club and learn about value investing and how you can easily acquire similar results with your own investment fund. Upon joining, you’ll receive the book Value Investing with Business Ratios, a reference guide used with all the decision models you build. Each member goes through three distinct phases:

  1. Education – Introduction to value investing along with terminology used is explained. Key principles of value investing are covered via a series of lessons and tutorials.
  2. Development – Members are taught how pools of investments are developed by first learning about financial metrics and how to read financial statements. The member then uses existing models to grasp the core understanding of developing buy/sell triggers for high quality stocks.
  3. Sophistication – Most members reach this phase of understanding after about six months. Many members create their own pools of investments and share with others their knowledge. Members are introduced to more sophisticated types of investments and how to use them to reduce risk and improve, via leverage, overall returns for their value investment pools.

Each week, you receive an e-mail with a full update on the pools. Follow along as the Investment Fund grows. Start investing with confidence from what you learn. Create your own fund and over time, accumulate wealth. Joining entitles you to the following:

  • Lessons about value investing and the principles involved;
  • Free webinars from the author following up the lessons;
  • Charts, graphs, tutorials, templates and resources to use when you create your own pool;
  • Access to existing pools and their respective data models along with buy/sell triggers;
  • Follow along with the investment fund and its weekly updates;
  • White papers addressing financial principles and proper interpretation methods; AND
  • Some simple good advice.

Value Investment Club

Please Signup
Username can not be left blank.
Please enter valid data.
This username is already registered, please choose another one.
This username is invalid. Please enter a valid username.
First Name
First Name can not be left blank.
Please enter valid data.
This first name is invalid. Please enter a valid first name.
Last Name
Last Name can not be left blank.
Please enter valid data.
This last name is invalid. Please enter a valid last name.
Website (URL)
Website (URL) can not be left blank.
Invalid URL
Invalid URL
Email Address
Email Address can not be left blank.
Please enter valid email address.
Please enter valid email address.
This email is already registered, please choose another one.
Password can not be left blank.
Please enter valid data.
Please enter at least 6 characters.
    Strength: Very Weak
    Select Your Payment Gateway
    How you want to pay?
    Payment Summary

    Your currently selected plan : , Plan Amount :
    , Final Payable Amount: