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Milton hi. Based on input, you face challenges related to customers relationship and debt management. Regarding relationships: are you a "people person"? Do you allocate time to follow up? Do you nurture the human side of business contacts? And about money: do you mix personal and business finances? Are you an organized person? How do you manage debt? Please elaborate, details are welcome.
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Here is a good topic for starters, quoted directly from your profile:
" How to maintain good relationship with my customers "