Cathy J. Ramos - Accounting & CFO Solutions for HVAC Contractors

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Cathy J. Ramos - Accounting & CFO Solutions for HVAC Contractors

Working with HVAC contractors to maximize profits & cash flow using specialized accounting and CFO strategies.

05/21/2026

👁️ The Power of Awareness by Neville Goddard

This book messed with my mind — in the BEST possible way. Neville Goddard is one of the most profound thinkers of the 20th century, and this is his masterwork. Here are my top 5 revelations:

1️⃣ CONSCIOUSNESS IS THE ONLY REALITY
Neville’s foundational claim: everything you experience in the outer world is a projection of your inner state of consciousness. You are not a victim of your circumstances — you are the author of them.

2️⃣ YOU DON’T ATTRACT WHAT YOU WANT — YOU ATTRACT WHAT YOU ARE
This is the Law of Assumption. You don’t draw circumstances toward you based on desire alone — you attract based on the state of consciousness you INHABIT. Assume the feeling of the wish fulfilled and live from there.

3️⃣ IMAGINATION IS GOD IN ACTION
Neville teaches that imagination is not daydreaming — it is the very creative power of the universe expressing itself through you. What you vividly imagine and emotionally accept as real begins to externalize.

4️⃣ LIVE FROM THE END, NOT TOWARD IT
Instead of working toward your goal, Neville teaches you to begin from your goal. See and feel it as already accomplished. This shifts your consciousness into the state that magnetizes the people and events needed to fulfill it.

5️⃣ CHANGE THE INNER CONVERSATION AND EVERYTHING CHANGES
The story you tell yourself repeatedly — about who you are, what’s possible, what you deserve — is your prayer. Change the inner narrative, and the outer world eventually mirrors the change.

Good Stuff! For me, some of this is fairly new. It feels awkward, but in the spirit of growth, I am embracing it. As a good friend of mine, Mike Michalowicz says... get comfortable with the uncomfortable!

And if that inner conversation tells you to delegate, let us know. We are here to help!
https://go.oncehub.com/CathyJRamos

05/14/2026

🪞 The Magic Power of Self-Image Psychology by Maxwell Maltz

Dr. Maltz was a world-renowned plastic surgeon who discovered something that changed his entire career — and eventually the world. Here are my top 5 revelations:

1️⃣ A SURGEON’S DISCOVERY CHANGED EVERYTHING
Maltz noticed something strange: many patients who had successful cosmetic surgery were STILL miserable afterward. He realized their real problem wasn’t their face — it was the image they held of themselves in their own mind.

2️⃣ YOUR SELF-IMAGE IS YOUR CEILING
Your subconscious mind will always work to keep your life consistent with your self-image. You can’t out-earn, out-achieve, or out-relate your own self-concept. The ceiling is internal, not external.

3️⃣ YOUR BRAIN WORKS LIKE A GOAL-SEEKING MISSILE
Maltz described the human brain as a servo-mechanism — a goal-seeking system. It automatically moves toward the target you set for it. Set a low self-image and it steers you toward low results. Set a higher one and it corrects toward that instead.

4️⃣ MENTAL REHEARSAL IS AS EFFECTIVE AS PHYSICAL PRACTICE
Maltz was one of the first to document that the brain cannot distinguish between a vividly imagined experience and a real one. Athletes, surgeons, and performers who mentally rehearse show measurable improvement — without physical practice.

5️⃣ YOU CAN LITERALLY REPROGRAM YOUR SELF-IMAGE
Through consistent visualization, positive self-talk, and mental exercises, you can reshape the internal picture you hold of yourself — and as that picture changes, your habits, confidence, and results change with it.

Let me know what you think! If you already have what your heart desires and need help managing it, let's talk!

https://go.oncehub.com/CathyJRamos

05/07/2026

🏆 Napoleon Hill’s Keys to Success by Napoleon Hill

If Think and Grow Rich lit a fire in you, this book pours gasoline on it. These are the 17 principles Napoleon Hill spent a lifetime studying — in full, practical detail. Here are my top 5 revelations:

1️⃣ DEFINITENESS OF PURPOSE IS PRINCIPLE #1
Hill’s research revealed that the single greatest cause of failure is the lack of a clear, specific, burning desire for a definite goal. You cannot hit a target you cannot see. Define it. Write it. Pursue it relentlessly.

2️⃣ THE MASTERMIND PRINCIPLE IS MULTIPLIED INTELLIGENCE
No one achieves anything significant alone. Hill’s Mastermind principle — two or more minds working in perfect harmony toward a common goal — creates a combined intelligence greater than the sum of its parts. Surround yourself with the right people.

3️⃣ GOING THE EXTRA MILE ACTIVATES THE LAW OF COMPENSATION
Whoever does more than what is expected — and does it with a great attitude — activates a law that returns value in proportion to the service given. You don’t wait to be rewarded before doing excellent work. Excellent work CREATES the reward.

4️⃣ APPLIED FAITH TURNS BELIEF INTO ACHIEVEMENT
Faith without action is just a feeling. Hill teaches applied faith — acting on your belief before there is evidence to justify it. This boldness signals to the universe and to others that you are serious about your goals.

5️⃣ ADVERSITY CARRIES THE SEED OF AN EQUIVALENT BENEFIT
Every setback, failure, and defeat contains within it the seed of something greater. Hill’s most comforting and challenging teaching: nothing is ever truly lost — you just have to find what it was meant to give you.

📖 Are you already applying any of this? What is working? I would love to hear of your experience.

04/30/2026

🛣️ The Road Less Stupid by Keith J. Cunningham

This is one of the best. Referred to my be a mentor, this book makes you think! Cunningham is the kind of mentor who tells you what you need to hear, not what you want to hear. Here are my top 5 revelations:

1️⃣ THE KEY TO GETTING RICH IS DOING FEWER DUMB THINGS
Cunningham’s central premise is almost too simple: you don’t need more brilliant ideas — you need to stop making costly mistakes. Most financial losses aren’t from bad luck; they’re from avoidable decisions made too quickly and with too little thought.

2️⃣ THE “DUMB TAX” IS REAL AND EXPENSIVE
Every poor decision you make costs you a “dumb tax” — time, money, relationships, and opportunity. Cunningham asks: How much money would you have if you could unwind just 3 financial decisions from your past? That gap IS your dumb tax.

3️⃣ THINKING TIME IS YOUR MOST VALUABLE INVESTMENT
Cunningham practices 30–45 minutes of structured, uninterrupted “Thinking Time” daily. Not brainstorming. Not planning. Just sitting alone with a powerful question and thinking through it deeply. This single discipline changes everything.

4️⃣ EMOTIONS AND INTELLECT WORK INVERSELY
When emotions go up, intelligence goes down. Every major mistake Cunningham has seen — and made — was made in a heightened emotional state. The antidote? Slow down. Ask better questions. Separate the symptom from the real problem.

5️⃣ OPERATORS REACT. OWNERS THINK.
Cunningham’s bumper sticker: Operators react and sweat. Owners think and plan. The highest-leverage thing a business owner can do is step OFF the floor and INTO the boardroom — even if the boardroom is just a quiet room and a notebook.

Let me know if you a ready to delegate! We have a great team you can adopt as your own. Let's get a date on the caledar and have a chat! https://go.oncehub.com/CathyJRamos

04/23/2026

📚 WEEK 1 OF MY 9-WEEK READING SERIES 📚

As a Profit First Professional, I found this book 10 years ago and it has changed my life along with thousands of others. I still refer to it from time to time and highly recommend it if you haven't read it already!

💰 Profit First by Mike Michalowicz

If you own a business and you've ever wondered where all the money goes, THIS is the book for you. Mind officially blown. Here are my top 5 revelations:

1️⃣ FLIP THE FORMULA
Most businesses use: Sales – Expenses = Profit. Mike flips it to: Sales – Profit = Expenses. That one tiny change is everything. You take profit FIRST, then figure out how to run your business on what's left.

2️⃣ YOU'RE NOT BAD WITH MONEY — YOU'RE JUST HUMAN
The reason most business owners are broke isn't lack of revenue — it's human nature. We spend what's available. This system works WITH human behavior, not against it.

3️⃣ THE PARKINSON'S LAW TRAP
Demand expands to match supply. If you have $10,000 in your account, you'll spend $10,000. Profit First forces you to run lean by design — not by discipline alone.

4️⃣ 5 ACCOUNTS CHANGE EVERYTHING
Michalowicz recommends setting up separate bank accounts for: Income, Profit, Owner's Pay, Taxes, and Operating Expenses. When the money is separated, the clarity is undeniable.

5️⃣ A PROFITABLE BUSINESS IS NOT THE SAME AS A GROWING BUSINESS
Chasing growth to escape financial problems just creates a bigger cash-eating monster. Profitability first, growth second.

📖 Have you read this one? What was your biggest takeaway? Drop it in the comments!

And if you need some help with your profitability, get on my calendar so we can have a chat!

https://go.oncehub.com/CathyJRamos

03/13/2026

Goes for business, too!

03/04/2026

Service Offerings

02/17/2026

I have exciting news! I've been accepted into the 10,000 Small Businesses program! As the Owner of IBC Business Solutions, I'm thrilled to embark on this journey. I can't wait to dive into the curriculum and connect with fellow entrepreneurs. Here's to making our small businesses BIG! Learn more about this amazing opportunity: https://10ksbapply.com/

02/06/2026

Is your QBO file ready for your tax pro? Here are 5 things you can review to tighten up your books!

02/01/2026

Me: Who is your highest-paid employee?
Founder: My guy who runs the company. He is great, he makes $65k a year.

Me: 😳😱🤯
Founder: Why are you shocked?

—
This is a real convo I had. Like you were, I was shocked.
This was a company that I was looking into investing in.
After this question, there were so many red flags.

1. It's clear that you are not willing to invest in talent.
2. You think $65,000 a year is a high-paying job for someone who is "running the whole thing" is frightening.
3. Probably, they have a talent deficit, and if the top person is making $65k how can the business grow assuming the rest of the employees are also underpaid?

I hear a lot of people proud of their margins... if your margins are high because you are paying below market average salaries and there is not talent in your company that's not a sustainable model. Pay your employees what their worth and then we can take another look at your books.

01/30/2026

Due to technical difficulties, The FB live will be reproduced at a later time.

Address

PO Box 164
Fitchburg, WI
53711

Telephone

+16085759883

Website

https://www.cathyjramos.com/7mistakes

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