วันพฤหัสบดีที่ 17 ธันวาคม พ.ศ. 2552

Leather Office Chairs For Your Comfort

Leather is a luxurious fabric that is found in many products, including clothing, shoes, travel accessories and even furniture. Office chairs are among the most popular leather furniture products in existence. They are commonly found in the home d?cor section of a local retail store, online at many office supply websites and at nearly every furniture store in existence. For the bargain shoppers, quality discount leather office chairs can possibly be purchased from an office that is undergoing remodeling. If the staff is purchasing new furniture, they may be willing to sell their used furniture at a bargain price.

For all of those long hours at the desk, whether it be at an actual office or perhaps a work at home setting, leather office chairs are among the most popular furniture for those who spend a lot of time at their desk. Punching numbers, typing memos and answering telephones can be exhausting, so it?s nice to have comfort whenever possible. During the selection process, it?s important that you try out the new chair before purchasing. Of course, this method only works if you are purchasing at a local store and not online. If purchasing through the internet or catalog, search for a quality brand name or a chair that offers a lot of amenities. If you cannot see the item in person, ask friends or co-workers for opinions on various brands and models.

There are a variety of models, prices and comfort options available with leather office chairs. They are generally lightweight, so they are easy to move from one place to another. In addition, many have rollers built into the legs so that the individual may move their chair while still seated with very little effort. If you?re at the desk working on the computer, but need to grab a file from the cabinet a few feet away, the chair?s rollers will provide for fast and efficient movement. Many chairs also adjust in height in order to accommodate a variety of individuals. A swivel base is common among office chairs due to the amount of varying movements that an office worker makes throughout the day.

Some leather office chairs are large, more permanently situated fixtures. An attorney or doctor is a typical location for these. These are heavy structures and are not typically found in a general office setting, although they are prominently found in the offices of company owners and management personnel.

Leather office chairs are available in a variety of colors, including the classic black. Leather, itself, is a strong material and is easy to clean. It resists stains well and is low maintenance. A damp cloth can often remove stains while leather repair kits make it simple to fix small tears.

A quality chair should provide the user with comfortable back support, cushioned seating and a relaxing arm rest. In addition, the individual seated in the chair should be able to rest their feet flat on the floor without having to slouch or stretch. A comfortable chair can make the difference between a normal day at the office and one filled with aches and pain.



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วันอังคารที่ 15 ธันวาคม พ.ศ. 2552

PMI - Private Mortgage Insurance

Most experts on the subject believe that the Social Security system will be bankrupt in about 15 years. However, some new studies have offered a ray of hope. They seem to indicate that the assumption that the boomer generation will retire at 65 or 67 and sit back to collect their social security checks is incorrect.

They believe a sufficient percentage - some estimates are as high as 80% - will continue to work in some capacity or another, relieving much of the pressure on the system.

This is probably the only ray of hope for many who have visited financial planners or bought personal finance software to see how much they need for retirement. These usually show you need a million or more dollars to retire with your current lifestyle. But again, they don't take continuing earnings into account.

Many in the baby boomer generation plan to retire at around 65, but then start a second career, doing something they enjoy. Most don't want to continue on in their present jobs or move to low paying work at fast food restaurants or supermarkets.

Rather they would rather make their accumulated knowledge work and, if possible, also give something back to society at the same time.

Health experts say this trend will be beneficial in that by staying involved, those past retirement age will stay healthier and will be happier with their life.

So it seems that several trends are converging. Those in their 60's, 70's and early eighties are healthier than ever. Because of their increased longevity and the shortfall in their retirement savings, they need to continue to earn. And many companies who once looked on older workers with distain, now seem to realize the value they can contribute to the company and to society in general.

There is speculation that colleges and universities may allow retirees to earn fast track degrees, taking into account their prior education and work experience. Also some states are already loosening license requirements for teachers to allow those with degrees in fields other than education to become teachers with little if any further training.

Another way to continue to earn in retirement is by making wise investment choices now.

Buy rental properties, learn how to manage money effectively or start your own business now in your part time so that you have something up and running by the time you retire.

The internet has opened up new ways to earn, be it drop shipping, affiliate marketing or selling goods on eBay.

If you always wanted to be an author or if you can write software programs, it is simple to self publish and sell electronic goods through services such as Clickbank.

Or you could just do something you've always wanted, like baking breading or making shoes. If you're good at whatever you choose, you should have little trouble finding a clientele.

But if you are depressed because you have to continue to work after 65, don't. You'll have a lot of company and you'll will also be healthier and happier for it


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วันจันทร์ที่ 14 ธันวาคม พ.ศ. 2552

Patents, Trademarks, Copyrights--What's the Difference?

Patents

A patent protects inventions through federal law. Inventions are your creative ideas for new products (articles of manufacture), machines, processes, methods, compositions of matter, ornamentation on products, or new plants. An improvement on an existing product may also be patented.

Utility patents protect the majority of these. To be patentable, your invention must be useful, novel and non-obvious. Design patents protect the ornamentation on devices. Plant patents protect new plant varieties.

Utility patents give you a monopoly (no one else can make, use, sell, offer for sale, or import your invention) for twenty years from the date of filing.

Design patents give you a monopoly for fourteen years from the date of issue, and prevent others from making the patented device with your ornamentation on them. (By way of example, a table is a useful device. If you could obtain a utility patent on a table with a flat surface and four legs, you could stop anyone from making such a table. If your table had an unusual ornamental shape or surface pattern, you would be able to prevent others from making tables with that shape or surface pattern.)

Plant patents last for twenty years from the filing date of the patent application.

Infringement of your patent allows you to potentially obtain treble damages plus attorney fees.

Trademarks

Trademarks (or service marks for services) protect names, logos, slogans, and the like through both federal and state laws. Your name, logo or slogan identifies you to your prospective customers as the source of the goods and services that you are offering, and thus constitutes a trademark.

There are both federal trademarks and state trademarks. There are also common law trademarks that are not registered at either the federal or state level. Federal trademark applications can be filed even before you are using the trademark name, logo or slogan to reserve your trademark.

Other than common law trademarks, federal and state trademarks must periodically be renewed. Federal trademarks must be renewed every ten years. If you no longer use the trademark, you lose your rights. Otherwise, so long as you continuously use and/or renew the mark, you will continue to have rights forever.

Infringement of your trademark allows you to potentially obtain treble damages and attorney fees.

Copyrights

Copyright protects your creative artistic expression, but only once it is set into a tangible form. For instance, you create and sing a song. There is no copyright unless the song is recorded or written, because there is no tangible representation of your artistic expression. However, once you write, record, photograph, draw, or otherwise create a tangible record of your artistic expression, you automatically have copyright. That is, you are the only one who has the right to make or sell copies.

Ideas cannot be copyrighted. They may only be patented. Examples of copyrightable materials are written words, such as in books, magazines, poems, songs; written music; performances of music; paintings and drawings; photographs, videos, architectural plans, website content and layouts, and computer software.

Copyright lasts for 70 years plus the life of the creator (or last to die for multiple authors) for new works under current law. If the work is made for hire, then the term is the shorter of 95 years from publication or 120 years from creation.

Federal laws provide you with the right to enforce your copyright, but only once it is registered. There is the possibility of obtaining statutory damages of up to $150,000.00, plus the possibility of being awarded attorney fees. Thus, it is very important to register your copyright as soon as practicable.

Other

Finally, trade secret protection is another means of providing protection to ideas. However, the key word here is secret. Let someone who has no need to know in on the secret and it is no longer protected. Trade secrets are most suitable to keep secret formulas or processes protected.

For more information, please visit http://www.trwiplaw.com.

C2006, Williamson Intellectual Property Law, LLC; all rights reserved, world-wide.
This article, and/or the reading thereof, shall not be construed as offering, containing or receiving of legal advice, and shall not create any attorney-client relationship or privilege. If you are considering protecting your intellectual property, you should consult with an attorney of your choice.



โหลดฟรี! โปรแกรม Windows Live ครบชุด Windows Live Services

วันพุธที่ 9 ธันวาคม พ.ศ. 2552

Something Different - Business Quotes

No doubt you've collected memorable quotes from your job or business. Here are some of the memorable things people have said to me since I started my business in 1992. And, yes, all of the quotes are true.

"Paying these royalties is a real hassle."

> Comment: You can't judge a book publisher by the cover.

"I know that you're a much better speaker, and that your content is better, your materials are better, and even your fee is lower, but I decided to use a seminar company from out of state because my boss will approve it without asking any questions."

> Comment: That explains why sometimes you find yourself in a really terrible seminar.

"I save all the invoices in a drawer and every four months or so I go through the stack and approve them."

> Comment: I bet she would go ballistic if her paycheck were ten minutes late.

"Okay, in your case we'll make an exception and pay you on time."

> Comment: Here's another person who fails to understand how business works.

"Instead of hiring a speaker we decided to spend our money on an ice sculpture."

> Comment: I suppose it's more important to watch ice melt than learn something.

"I want you to send me a proposal with complete descriptions of all of your workshops, a resume, your client list for the past five years, a dozen testimonial letters, and a fee schedule. I've got 21 proposals so far and I want to collect 25."

> Comment: If I were this man's boss, I'd fire him for being a public nuisance. (And I did not submit a proposal.)

"If she had wanted to act on your proposal, she would have returned your calls. Duh!"

> Comment: Every vendor is also a customer, and in this case I responded to their rudeness by transferring my phone service to another company. Cost to them: over $1,200 per year.

"What do you charge to speak for 54 minutes?"

> Comment: The same that I charge for 55 minutes. And 53 minutes.

"Now that we have your workbook, we'll use one of our staff to conduct the workshop."

> Comment: Let me know when you start so I can call my attorney.

"You asked too many questions. You're not supposed to figure out that this is illegal."

> Comment: We never ask too many questions. (And I only work with ethical companies.)



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วันจันทร์ที่ 7 ธันวาคม พ.ศ. 2552

Law And Order Svu (DVD) Review

Nominated for 7 Emmys in its first five seasons, Law & Order SVU (Special Victims Unit) continues the success of NBC's blockbuster Law & Order franchise. The brainchild of Law & Order creator Dick Wolf (former writer for hit TV shows such as Hill Street Blues and Miami Vice), Law & Order SVU is filmed on location in New York City. It follows the traditional half-police drama/half-courtroom drama format that made its forerunner a smashing success, yet SVU focuses exclusively on sexually based offenses?

Law & Order SVU tells the story of a group of dedicated detectives who work for the elite group known as the Special Victims Unit. Capt. Donald Cragen (Dann Florek) heads up the unit which includes four regular detectives - Elliot Stabler (Christopher Meloni), Olivia Benson (Mariska Hargitay), John Munch (Richard Belzer), and Odafin Tutuola (Ice-T). While investigating rapes, murders, and other vicious crimes, the detectives often consult with police psychologist Dr. George Huang (B.D. Wong) who provides special insight into the minds of suspected predators. Once the detectives gather the necessary evidence, they turn their case over to Assistant District Attorney Casey Novak (Diane Neal) who brokers deals and prosecutes the cases that put these nefarious criminals behind bars?

The Law & Order SVU DVD features a number of dramatic episodes including the series premiere "Payback" in which a cab driver is discovered stabbed to death with his genitals cut off. When detectives Stabler and Benson investigate, they find out that the man is a former soldier from the Serbo-Croatian conflict and that he was a rapist. Benson, a child of rape, is sympathetic to the actions of rape victims, and Stabler must keep her from crossing the line to protect the probable suspects? Other notable episodes from Season 1 include "Sophomore Jinx" in which a female college student's murder investigation is obstructed by the college when the SVU suspects a member(s) of the school basketball team, and "The Third Guy" in which an elderly woman is tied up and raped in her apartment, but the investigation takes a unique twist when the initial suspects are cleared and a new perpetrator enters the picture?

Below is a list of episodes included on the Law & Order SVU (Season 1) DVD:

Episode 1 (Payback) Air Date: 09-20-1999
Episode 2 (A Single Life) Air Date: 09-27-1999
Episode 3 (?Or Just Look Like One) Air Date: 10-04-1999
Episode 4 (Hysteria) Air Date: 10-11-1999
Episode 5 (Wanderlust) Air Date: 10-18-1999
Episode 6 (Sophomore Jinx) Air Date: 10-25-1999
Episode 7 (Uncivilized) Air Date: 11-15-1999
Episode 8 (Stalked) Air Date: 11-22-1999
Episode 9 (Stocks & Bondage) Air Date: 11-29-1999
Episode 10 (Closure) Air Date: 01-07-2000
Episode 11 (Bad Blood) Air Date: 01-14-2000
Episode 12 (Russian Love Poem) Air Date: 01-21-2000
Episode 13 (Disrobed) Air Date: 02-04-2000
Episode 14 (Limitations) Air Date: 02-11-2000
Episode 15 (Entitled) Air Date: 02-18-2000
Episode 16 (The Third Guy) Air Date: 02-25-2000
Episode 17 (Misleader) Air Date: 03-31-2000
Episode 18 (Chat Room) Air Date: 04-14-2000
Episode 19 (Contact) Air Date: 04-28-2000
Episode 20 (Remorse) Air Date: 05-05-2000
Episode 21 (Nocturne) Air Date: 05-12-2000
Episode 22 (Slaves) Air Date: 05-21-2000




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วันเสาร์ที่ 5 ธันวาคม พ.ศ. 2552

Asset Protection and Estate Planning for All Ages

Denver, Colorado, Ronald E. Hudkins, U.S. Army, SFC, Military Police Corps. (Retired) and President of American Industry Maintenance (AIM), LLC at AssetProtectNow.com Addresses the importance of financial planning and securing your wealth building efforts.

If you think you know where you will be tomorrow, perhaps you should rethink the horrific consequences of that reasoning. We all die! Be it the result of age related natural causes or at the hand of some unforeseen disaster, your time is coming and fate most certainly will deal its hand.

The sad reality is that somewhere between 50 and 70 percent of Americans do not even leave a Simple Will. When it comes to a complete estate plan nearly 98% of use fail to reach all the legal requirements needed for our asset protection efforts to stand up in court.

While a simple will may sufficiently serve the estate planning needs of many people, estate planning is highly complex. You should always meet with a qualified legal advisor to be sure the estate plan you have in mind is in reality, consistent with your objectives.

When you approach an interview, it is with the intent to obtain perhaps the job of your dreams. You put your best foot forward. You go into the interview with the intention to be the best choice decision that company ever made. You accomplish every goal and learn every detail and requirement it takes to be promoted. You do what it takes to increase your worthiness, importance and retention. You do this for the sake of wealth building and future financial security.

The same priorities must be accomplished in your personal estate planning needs. When you take the time to prepare the legal documentation necessary to protect your assets and heirs, you are the one who stipulates how your property is distributed and who raises your minor children when you are gone. If you die intestate (without estate planning), the probate court intervenes and a judge (tasked to interpret the black and white letter of the law) decides how your assets are divided. And if you are a single parent of minor children, that same judge will decide with whom your children will live.

No one says that the legal process is not complex and ever changing. With wills alone there is the simple will, living will, testamentary trust will, pour-over will, last will and testament, etc. There are various trusts, proxy?s, vulnerable assets, long term health care initiatives, taxes, inheritance or probate advances, etc. to be considered essential to financial security and estate planning.

A point to acknowledge is you must not only recognize that estate planning although complex is also an ever changing (on-going) process. It requires periodic reviews based upon your changing goals and financial complexities. Because there are so many things relative to proper estate planning, it often involves the coordinated effort between qualified legal, tax, insurance and financial professionals.

Do not confuse the drafting of legal documentation with the development of an estate plan. You also must realize it is important to have everything accessible in one location.

Once you have your will, durable power of attorney, health care proxy and other legal documentation Additionally, you need other key data. This information includes at a minimum, Social Security numbers, financial account numbers, , health insurance, Logon/passwords for your computer, original marriage certificate, divorce decrees, military discharge paperwork, life insurance information, deeds and appraisals, beneficiary designation forms, auto and home insurance policies, a listing of important contacts with address and phone numbers, bank and safety deposit box locations, lawyer, doctor, accountant and other professional points of contact.

You need to decide how your beneficiaries will find your essential documents. Who will have access to these documents and when that access is permissible. You should consider storing this vital documentation securely in a place other than your home.

Asset protection and estate planning is a process of understanding your legal initiatives, alternatives and obligations. It is a process of accomplishing the needed tasks to protect your most important information that guides and protects your heirs. It is a process that needs acted upon immediately and demands periodic review and initiation of needed revisions.



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วันพฤหัสบดีที่ 3 ธันวาคม พ.ศ. 2552

Terri Schiavo -- A Year Later

A year has passed since the death of Terri Schiavo, and we still find ourselves wrestling with the same uncomfortable questions the Schiavo case forced upon us - how should we make our wishes known for the end of life? How can we ensure that those wishes are honored? And who should speak for us when we can no longer speak for ourselves?

There's no doubt awareness about this issue has spiked considerably in the past year. A January 2006 survey by the Pew Research Center suggests more Americans are discussing and planning for end of life treatment. In too many cases, however, knowing is not acting. We're still reluctant to talk about death. And too many bureaucratic barriers remain.

That's why we're seeing a concerted effort by some legislators and policymakers to make it easier for people to make known their end of life wishes. At the federal level, a measure has been filed to pay physicians for an end-of-life consult. At the state level, new laws have been proposed establishing a registry for living wills and advance directives. Both efforts represent an effort to simplify the process and make it easier for people to make their end-of-life wishes known.

Other legislative movement on this front, though, is prompting concern. Some of this activity may be a well-meaning attempt to protect the vulnerable and disabled, but some state legislators are promoting measures that would ultimately restrict one's right to have end-of-life wishes respected. Certainly, we must do all we can to address concerns of the vulnerable and disabled; however, we should be careful to protect the long established right to choose and refuse treatment.

In any case, the Schiavo case prompted many of us to become even more reluctant to have these issues hashed out in the legislative arena. Most of us still want end-of-life decisions to remain private, between families and medical professionals, not lawmakers and bureaucrats.

To accomplish this, we must have a conversation with those we love and trust. Preferences must be written down and a person named to speak on our behalf through a durable power of attorney for healthcare. This document should be notarized and other family members and close friends made aware of these decisions.

While this may sound simple, we all know these discussions are not easy. In the end, if Terri Schiavo taught us anything, it is that sometimes the toughest conversations are the most important to have. She also taught us that the absence of such a conversation can produce a devastating family and legal conflict.

No one wants such chaos at the end of our lives. So make your preferences known, and identify someone to speak on your behalf. Consider it the last gift you give to your family - peace of mind.



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What You Need to Know About the New Bankruptcy Laws

While no one likes to think about the subject of bankruptcy, the fact is that more and more people these days are finding themselves contemplating filing bankruptcy. It is not hard to understand why bankruptcy filings are on the rise. The levels of debt are rising faster than are incomes, and more and more people are finding themselves at a loss and wondering what to do.

While bankruptcy can seem like the best way to get off to a clean start, it is important to thoroughly consider all other options before taking the serious step of filing bankruptcy. For one thing, a bankruptcy filing will follow you for years, and it may be difficult for those who have filed bankruptcy to obtain loans, lines of credit or mortgages until the bankruptcy is off their record.

Another reason to seriously consider alternatives to bankruptcy is the fact that the bankruptcy laws have recently changed. The bankruptcy filing system, and the rules associated with filing bankruptcy, have recently undergone a total overhaul, and this means that many debtors will be required to pay back a larger percentage of what they owe when filing bankruptcy.

The rules associated with bankruptcy are largely determined by the annual income of the bankruptcy filer. Those debtors whose incomes are higher than the average for their state may find themselves required to pay back more of the money they owe in a bankruptcy filing, so it is important for those in such a situation to consult with a qualified bankruptcy attorney before making a move.

Of course for many people filing bankruptcy is unavoidable, and for many people this last resort is truly a fresh start and a new lease on life. The key is to thoroughly research the bankruptcy laws for your state, and to thoroughly understand the rules that may apply to your situation. The bankruptcy laws vary quite a bit from state to state. In some states bankruptcy filers can keep a great deal of personal property and real estate, while in other states they are entitled to keep next to nothing. It is important to know where you stand before filing bankruptcy.

The purpose of these new bankruptcy laws, of course, is to cut down on past abuses of the system, and there is no doubt that these abuses have occurred from time to time. For honest people in debt, however, these laws may have some serious impacts. It is important for every consumer to become educated in just what these law changes will ultimately mean.



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วันอังคารที่ 1 ธันวาคม พ.ศ. 2552

Who really did say, "It Ain't Over 'til it's over"

If you pay it close attention, there's all kinds of ways to make a fortune in the business of sports. Here's a story about an idea a whole bunch of law firms must be wishing they had thought of first.

For roughly sixty percent of the take, Curtis Management Group of Indianapolis has built a booming business and reputation for success, negotiating contracts and developing the business interests of inactive star athletes. That in itself isn't unique, but their list of clients certainly is.

The majority of the inactive star athletes Curtis represent no longer play because they're dead!

It is long established that there's huge money to be made in appearance fees, licensing and endorsements by popular figures at the height of their careers. And, a ton of agents are waiting to pounce on the opportunity to do the marketing in an overly competitive field.

Back in the early 80's, Mark A. Roesler, a young Indiana attorney saw his unheard of niche.

Armed with a legal knowledge of the rights of estate, and an inventive mind, Roesler set out to build his business, first focusing on deceased entertainers. Not long into his new venture, he unearthed a wealth of interest and lots of earning potential in sports legends. Promoting and protecting their rights is the bulk of his business.

Roesler's list of clients under contract has grown to include some 80 deceased sports personalities; some of whom are earning the biggest paychecks of their er...lives. CMG's "who's who" stable includes the likes of Vince Lombardi, Johnny Unitas, Cy Young, Babe Ruth, and yes believe it.... Cigar.

Technologies such as realistic computer animation and super-imposed video imaging can bring sports legends of the past into the present to share the screen with live actors in modern day situations. The possibilities seem boundless and it all seems so natural.



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วันอาทิตย์ที่ 29 พฤศจิกายน พ.ศ. 2552

Domain Name Registration - What NOT to Choose as a Domain Name for Your Business

Choosing a domain name for your business can be one of the most important decisions you make. You want something that relates to your business, is catchy and is easy to remember. Just keep in mind what you don't want.

Top 3 Types of Domain Names to Avoid:

  • Names that don't apply to your business or industry: Sounds obvious, I know, but with the millions of domain names that are taken, choosing an obscure name can be a tempting trap to fall into. However, the likelihood of customers finding you gets that much more difficult with a vague name. Also, prominent display on major search engines is harder to acquire.


  • Names that are very long: The longer the name, the easier it is for people to forget it altogether or remember it incorrectly. So keep it as short and simple as possible. However, if your business name is long and you're well established in your industry, your best bet may just be sticking with your current name.
  • Names that are owned by someone else: It's not possible to secure the exact same domain name as someone else but it is possible to be infringing upon another's trademark or common-law rights with a confusingly similar name. Mistakenly, many times a new company will assume its trade name is legally clear merely because it was able to purchase a dot com or other domain extended name. Prior to securing your domain name, be sure to have comprehensive research conducted on the domain name.
Be creative in choosing your domain name - just remember what to avoid!



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วันศุกร์ที่ 27 พฤศจิกายน พ.ศ. 2552

How to Hire a Virtual Assistant: Your 10-Step Guide to Finding the Perfect Fit

As a savvy solo or small practice professional, you know you can't do everything yourself. Whether you are capable or not, you understand that your time is most intelligently focused on activities that grow your business and make you money.

These days, outsourcing your administrative work to a Virtual Assistant (or VA) makes it very easy to get just the amount of support you need without the expense of costly in-house staff. But how do you find a highly skilled, truly qualified Virtual Assistant? Below are some practical points to consider and questions to ask as you go about the selection process.

1. Website. Since Virtual Assistants operate virtually, it's important they have an online presence. A website can yield critical clues as to the VA's competence and professionalism. As you look through the website, ask yourself:

-Does it present a polished, credible business image? - Is there an abundance of informative content? - Is the concept clearly explained? - Is it organized well and easy to navigate? - What insights can you glean from the writing? - Is is well-written and coherent? - Is there a solid command of grammar, spelling and punctuation?

If the VA's site is littered with misspelling, improperly structured sentencing and incorrect punctuation, don't expect that she is going to provide you with any greater skill or attention to detail should you decide to work with her.

And if it looks like she put little thought, time or money into presenting her business image, or had her 14 year old kid brother throw it together one Sunday, chances are she isn't serious about her business, and is not going to put any more care into the work she does for you.

2. Consultation. You naturally want to find a Virtual Assistant you can work with well, and whose personality and style is compatible with yours. You also want to gain some insight into whether this is a person offering the skills, service and expertise you need.

Once you find a site that instills confidence, have a conversation with that Virtual Assistant. Most Virtual Assistants offer a complimentary consultation, and all it takes is a simple email or phone call to schedule one.

In making initial contact, some things to note include:

- Does she respond to your inquiries in a timely manner? - Does she answer the phone professionally? - Are there kids and noise in the background? - Is she on time for the call? - Does she seem prepared or unexpectedly flustered? - Does she follow-through exactly as promised?

3. Finesse. How well the Virtual Assistant guides you through the consultation process can tell you a lot about what it will be like to work with her.

Not only do you want a Virtual Assistant who can provide superior quality work, but you also want someone who demonstrates excellent business sense, especially since she will be instrumental in helping you in your business.

During the consultation, some things the Virtual Assistant should cover with you include:

- A clear overview of how she works with clients; - What her processes are; - What services she provides (and doesn't provide); and - What her values and expectations are for working together.

4. Personal & Professional Traits. Listen for the cues that tell you this is someone you can rely on and form an excellent working relationship with.

How smartly the VA handles her business is going to directly correlate with how well she handles the work she does for you. Some things you should pay attention to include:

- Does she take the lead in guiding you through the consultation? - Does she exude confidence? - Does she speak with authority and demonstrate her role as the administrative expert? - Is she articulate? - Does she inspire feelings of trust? - Do you feel a good connection? - Does she interrupt often or listen carefully when you speak? - Does she exhibit interest and curiosity about your business? - Does she ask smart, purposeful questions?

5. Experience. Understand that the single-most important qualification of a Virtual Assistant is extensive administrative experience. From this level of experience, she is expected to possess the superior skills, training and business knowledge that are the hallmark of a truly qualified Virtual Assistant.

However, this is an unregulated industry, and while the veterans of us work to promote and maintain high standards, the Internet has nonetheless attracted a certain segment of individuals who have little to no qualifications or only entry-level skill sets that do not equip them to meet your very real and important business needs.

Asking the prospective Virtual Assistant some of these questions will help you discern the difference:

- What was your experience prior to opening your Virtual Assistant practice? - What positions have you held? - How many years administrative experience do you have? - How would you rate your skill level (you might ask this in reference to certain skills or software competencies relative to the services you need)? - How would you characterize your level of understanding with regard to business principles and operations?

Look for a Virtual Assistant who has worked in upper-level positions such as administrative assistant, executive assistant, office manager, legal secretary, legal assistant, paralegal, supervisor, manager, etc.

Virtual Assistants whose only experience was in receptionist or clerical roles are not commonly going to have high-level skills and competencies.

Keep in mind that Virtual Assistants are independent professionals, not employees. Just as you would not ask an accountant, attorney or any other service professional for their resume, it is inappropriate to ask a Virtual Assistant for theirs, and the request would be considered ill-mannered. However, they should be prepared to discuss in a consultation with you their skill levels and qualifications as described above.

6. Training & Certification. The highest form of qualification, and what Virtual Assistants are expected to have before entering the profession, is at least five years upper-level administrative experience. Our training ground is the real (non-virtual) business world.

If you are a business owner needing competent support from someone who can hit the ground running and take the reins as your administrative expert, you should expect no less.

Don't put too much stock in certification. Virtual Assistance does have a few legitimate professional associations and training programs, but these are intended for business--not skills--training.

Where certifications are offered, they can be somewhat subjective and misleading, and many of the veteran Virtual Assistants who established the profession and created the standards have been in business longer than these programs have existed.

Additionally, there has been a proliferation in recent years of disreputable and unqualified opportunists willing to "certify" anyone who will pay.

In this industry right now, letters behind a Virtual Assistant's name mean very little.

7. The Business. I've interviewed countless clients and business people since 1997. What I've learned is they want and are most happy with high-quality, skilled support from a Virtual Assistant who:

- is confident; - has her business solidly in place; - doesn't need training or hand-holding; - is someone they can place their trust in; and - can be depended on for expert support and guidance in laying strong administrative foundations.

If this describes you, look for a Virtual Assistant who has been in business successfully for at least three years. New VAs don't tend to have their systems, processes and offerings honed, which often causes unnecessary headaches, wasted time and an all-around unsatisfactory experience for clients.

I also recommend that the Virtual Assistant is someone who is actually IN business full-time. I've yet to see a Virtual Assistant operate a part-time practice that was truly in a position to serve client needs and expectations well.

Some important facts to obtain include:

- How long has she been in business? - Is she in full-time or part-time practice? - Does she view her business as a chosen profession she is committed to for the long-term? - Or is it a part-time side-job or hobby that might not be around long enough for you to depend on? - Does she have well-thought out policies and business standards that will support you in working and communicating together effectively?

If the VA only dabbles or works on the fly, her lack of commitment or focus can definitely leave you holding the short end of the stick. This can manifest in longer turn-around times, lack of continuity, poor communication, conflicting commitments, interrupted work schedules, and long or inconvenient periods of unavailability.

8. Testimonials. A successful, experienced Virtual Assistant will have plenty of testimonials on her website from past and current clients.

She should also be able to provide you with contact information of satisfied clients who are willing to speak with you about their perceptions and experiences in working with her.

9. The Owner. Many Virtual Assistants provide an "About the Owner" page in their website as a way to share important aspects of themselves with prospective clients.

It's intended to provide you with a view into their personal ethics, belief systems, personality and goals. This information can be helpful in determining whether you share similar values and want to talk with the VA further.

Since you will be choosing each other, make an equal effort to get to know the VA by reading that page.

10. Pricing. Virtual Assistant rates average between $35 - $65 per hour.

Virtual Assistance is not the type of service you want to price shop. I know, I know. We all want to get the best price and pay the least amount possible. But we've all heard the saying "you get what you pay for" and this is very true in the Virtual Assistance industry as well.

Think about your own profession. You know you aren't the cheapest, and you wouldn't want to be. You know that expertise and quality comes at a price, but the value of that caliber of service extends far beyond mere dollars, and, in turn, saves your clients money.

You know this.

You will find Virtual Assistants who charge very little--so little, in fact, that they can't possibly be running a profitable, sustainable practice, one that's going to be around long enough for you to depend on.

Inappropriately low rates also signal a lack of business sense, which most often translates to poor quality, and lack of skill and experience. The consequence of hiring a Virtual Assistant who falls in this category is that your investment in her is unstable and ever at risk.

Virtual Assistants who don't price their services profitably do not stay in business long. In their last gasps, many end up taking on a side-job or more clients than they can handle just to break even, becoming overwhelmed in the process. For you, this means they are less available, and their service and quality of work suffers.

You want ability. You want someone you can work with well. You want great customer service. And you want someone who's going to stick around.

So look for quality and value--it's an investment that will literally put money back in your pocket.



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วันพฤหัสบดีที่ 26 พฤศจิกายน พ.ศ. 2552

Real Estate For Sale - Pointers To Consider

When you sell an item, what is the first thing that comes to your mind? Is it the quality of the product or the profit?

It is a common belief that the primary concern in selling a property is to acquire profit that is not only above your initial output but even beyond that. However, as a credible seller, profit should not only be your priority if you care for your customer.

The good quality of the product must be considered first above all other factors. If you meet the standard set by your customer, everything will just follow. You will not only enjoy more gain but also more customers who will seek you ought for more and even refer you to others.

Likewise, selling real estate is not easy. You will not simply be aware of your earnings but on how you can maintain a good name. The best way to achieve it is through selling with quality.

Selling real estate doesn?t have to be done by a team or group of professionals all the time. You too can invest in real estate for sale. You can act as a part time real estate agent or maybe start of by selling your own home. Many solo real estate agents have started off by investing in a real estate by purchasing it and selling it off for a profit.

Here are some trips on selling real estate property alone or with an agent.

1. Confirm the value of your property- This is fundamental. If you want to sell your property with a real estate broker, the broker will give you an approximate market value of your property. But when you are going to sell it by yourself, it is best that you make an assessment and comparison about its value in the market.

2. Total all the cost of selling your property- It is good if you have a broker because he will provide you with the estimated closing cost of your property. However, if you will be the one to sell it, you can consult an advice from an attorney about the possible closing cost.

3. Identify all the credits and loans against the property for sale- It is important because it will affect the total cost of the property that you are about to sell.

4. Proceed to the computation. Every item even a single cent is important. When you calculate, you subtract the total amount owing against the property from the estimated gain of the sale.

5. Coordinate with the lenders- You can seek assistance from the proper individuals that can give you advice.

6. Consult the lender about terms and conditions- It will help you by making arrangement with them to get the most possible proceeds that you can and want to have.

7. Sell the property- This will be the last step. The closing cost of your property will include both the title and the escrow fees. If you prefer to have a broker, you can ask for some discounts to market your property. Likewise, you can also try to negotiate the sales commission with your broker.

Those tips will aid you in keeping track of the value of your property. As a seller, it is your responsibility to fix all the necessary papers that will concern your property. Be sure that when you sell a property, everything is ready. This is a way to prevent hassle when time comes that your customer asks buyout queries.


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วันพุธที่ 25 พฤศจิกายน พ.ศ. 2552

Tenancy In Common TIC Investments in Residential Condos

TIC Ownership - A Growing Investment Trend
Investment in TICs has grown to a multi-billion dollar industry. In a TIC, investors own buildings directly rather than through a corporation or partnership. This allows small investors to buy into the cash flow streams of large buildings such as Class A office buildings or large industrial warehouses occupied by excellent credit tenants on triple net leases. Tenancy in common ownership interests may also be sold as securities; but, only by licensed security brokers - not realtors.

TIC Application to Residential Condos
Many if not most TICs involve one large building in which each investor owns a "share" of the income stream as a tenant in common. There is no secondary market for tenant-in-common securities. Additionally, selling a property, or individual share, may require unanimous approval from all of the investors involved.

What of the case of residential rental condominium developments wherein each investor's share actually consists of individual physical condo units? The question becomes, can these individual rental condo units be sold off in fee-simple to owner-occupants?

The answer to this question can be vague. While a particular ownership association agreement may allow it, how easy would such a transfer be? For one thing, what potential condo owner would want to buy and live within a rental community? Not to mention the fact that the investor would have to endure the headache of evicting the current tenant prior to listing the condo for sale.

What makes this situation unique is the fact that the transfer value of an individual condo unit interest in fee simple to an owner-occupant could greatly exceed the transfer value of the net rental income stream that the same condo unit generates as a rental unit owned and managed through the TIC association.

TIC Residential Condo Example
For example, assume an investor owns one condo in a ten unit development. There are a total of ten individual investors who each own one identical condo within the development. Each investor owns one-tenth share as a tenant in common.

Typically, the investors will hire a management company to market and manage the property, collect rents, pay expenses including common-area maintenance and disburse net proceeds to the owners based on their pro-rata share of ownership. It is up to the investors to ensure that the management company is doing the best possible job of bringing the most income to the bottom line.

Let's assume these condos each rent for $1,200 per month ($14,400 per year). Once all expenses are paid, the managment company is able to net out let's say 50% of all income. That means 50% of $14,400 (or $7,200) is disbursed to the investor each year for the unit they own.

The investor doesn't even have to see the property. All they have to do is collect the check and the risk is relatively low. Let's say the risk is low enough to justify a modest 5.5% return - a typical going-in rate for Class A apartment developments. That would make the value of our investor's condo unit about $131,000 (or $7,200 net income divided by 5.5% rate).

The Dilemma
What if very similar residential condo units are selling for $400,000 to $500,000 within the same market? The investor holds a headache-free investment that returns 5.5% per year. He might be able to sell the investment to another similar investor for about $130,000; but, he might also be able to sell that unit to an owner-occupant for 3 to 4 times as much.

Numerous issues arise as to just how easily this could be accomplished. Is it really worth the hassle? Maybe better efforts should be made to get operating expenses down so the investment will return a higher annuity. Could the ownership association try to block the sale? What legal rights are involved especially if there is no owner with a majority share (and vote) in the TIC? What if there is a majority owner and they want to sell off multiple units all at once - flooding the market essentially and bringing all the other units' values down?

Resolution
An owner-investor of an individual residential rental condo within a TIC structure may be limited in their options regarding transfer of the property. Our recommendation is to have the ownership association agreement and title documents closely examined by an attorney. While an owner of a TIC rental condo may be tempted to sell their unit in a hot market, they should consider all their options carefully.

The first three obvious options are: 1) hold the unit and enjoy the benefits of hassle-free annuity payments; 2) quickly sell the rental condo to an investor based on its income stream or 3) market the condo for sale to an owner-occupant, evict the current tenant, negotiate with the ownership association, pay commissions, marketing and holding costs and hopefully find a wiling buyer. Ultimately, the hold-sell decision really depends on what the particular investor's needs are.


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วันอังคารที่ 24 พฤศจิกายน พ.ศ. 2552

Living Trusts and Estate Planning

Briefly describes how living trusts protect assets for your loved ones.
There are many ways to protect assets for your loved ones. One way is to use a living trust. Living Trusts are routinely used by average persons, not just the wealthy, to avoid the high cost, publicity and inconvenience of probate. Property placed in an irrevocable trust will be excluded from your financial picture, for Medicaid purposes. If you name a proper beneficiary, the principal that you deposit into the trust (and possibly any income generated) will be sheltered from the state and can be preserved for your heirs. Typically, though, the trust must be in place and funded for a specific period of time for this strategy to be an effective Medicaid planning tool. For information about Medicaid planning trusts, consult an experienced attorney. A trust has three parties - a donor, trustee and beneficiary. The donor sets up the trust, the trustee manages the property in the trust, and the beneficiary gets the use and enjoyment of the property. A person who sets up a living trust wears all three hats, donor, trustee, and beneficiary.

After a living trust is set up, it must be "funded". This involves changing the title of your assets, such as your home and your bank accounts, into the name of the trust. You maintain complete control over the money and the property in the trust. You can buy, sell, trade, or do whatever you want with your property, just as if the trust did not exist.

A living trust can be easily changed to meet the needs and goals of you and your family. In addition, the trust can provide for management of your assets in the event you become ill or incapacitated during your life. When used together or with a durable and health care power of attorney, it can help completely avoid expensive guardianship proceedings.

Upon your death, the person you have designated as "successor trustee," usually a child, automatically takes over management of your assets. Your successor trustee settles your affairs, and then distributes your money and property to your heirs.

Although the purpose of a trust, avoiding probate is simple, a trust is a complex legal document. There may be tax issues involved, and the terms of the trust must be thought through and drafted with great care and skill. Therefore, a trust should only be prepared by an attorney who is experienced in the field of estate planning, and who will stand behind his or her work. Those who purchase mail order trust kits advertised in the back of magazines, or who utilize the services of non-attorney door-to-door salesmen, are taking great perils with one of the most important documents of their life. On the other hand, a properly drafted living trust will lighten the burden that death places on your familyScience Articles, and will greatly simplify the process of transferring your assets.


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วันจันทร์ที่ 23 พฤศจิกายน พ.ศ. 2552

Most Lawyers End Up Dead Broke

Most Lawyers End Up Dead Broke

By Jack McDonough, CPA

The public perception of lawyers is that they make a lot of money each year and are very wealthy.

Isn't it common knowledge that they all drive expensive foreign cars, are members of exclusive country clubs and wear expensive suits? I mean after all... anyone who is raking in $150...$250...$350...or even $500 per hour has got to be loaded. Don't you think?

The reality is most lawyers end up dead broke. Surprised? I'm not. Especially when you consider the fact that most attorneys have no clue when it comes to making money, managing it and keeping it.

Why?

Because, no one ever taught them how.

They all went to college... then graduated from law school and headed directly into a law firm to practice law. This seems pretty straightforward, doesn't it? I mean, it's kind of what you would expect them to do.

The challenge is... that in those 7-years of advanced education (4 in college and 3 in law school) they were never taught how to look out for themselves financially. Instead they were learning how to help you and me. This is great for us...but in the process they short-changed themselves and their families.

Most lawyers are working long hours (55+ per week), often including weekends.

And...

The reality of those high hourly rates they charge is this...very little of those rates trickle down to them- like maybe 10-15%. The majority goes to paying overhead. Which even is a tiny solo practice can be high when you include the costs of rent, malpractice insurance, phones, computers and software, advertising, secretarial, research library, paralegals, accounting, billing, and collections... and it goes on and on.

On top of all that, you can throw in clients who are completely unappreciative of their lawyer's work and then to add insult to injury...lawyers deal with clients don't pay their bills on time or at all. Just when you thought it couldn't get any worse to practice as a lawyer...you have to deal with the endless issue of cash flow or lack of it.

Is it any wonder that all lawyers don't end up dead broke?



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วันอาทิตย์ที่ 22 พฤศจิกายน พ.ศ. 2552

Ambulance Chaser Marketing Can Kill Your Business

You know the term, "ambulance chaser."

It refers to attorneys who prey on victims of accidents in the hope of retaining them as clients and making a buck off their misfortune.

I recently ran across a joke that pokes fun at this practice ...

Two personal injury lawyers met at a cocktail party. "How's business?" asked the first.

"Rotten," replied the other. "Yesterday, I chased an ambulance for twenty miles. When I finally caught up to it, there was already another lawyer hanging on to the bumper."

So what does this have to do with marketing?

Well, there are some professionals besides attorneys who practice what I call "ambulance chaser" marketing.

Here's how it goes ...

You get a phone call or email from someone who saw your website, your ad, or heard about your business. Their sales pitch is not to ask about your business or how they might be able to help you, or even to sell you on the merits of their services or cite results they've gotten for others in business' similar to yours.

Rather, they point out that they've noticed you're not doing a very good job at whatever it is they do, and they point out if you want to improve, they can most certainly help you.

It never ceases to amaze me that people think this tactic might work. Why on earth would you want to do business with someone who hasn't even taken the time to first ask about your business or your results, and who has more or less insulted you on their first contact?

They may be very good at what they do, but if they don't take the time to first ask about your situation or the results you're currently getting, how can they possibly know if they can help you do better?

I believe you should always listen before you offer advice.

Find out what your prospect needs and where their challenges are. Then determine how you can best help them.

So, whatever business you're in, please don't practice "ambulance chaser" marketing.

Always, always, always take the time to get to know your prospective clients and their needs before you assume you know how to best help them.

And the best way to do that is to ask questions and listen.

I'm sure I've been guilty on occasion of making judgments about other people's marketing, assuming it wasn't working because it didn't fit the mold of what I consider to be the "right" way to market.

But what I have come to realize is that I need to accept that just because someone isn't doing things "my" way, doesn't mean they're not getting results.

So whether you're a coach, a financial planner, a teacher, a trainer, or any other professional offering a service, realize the best way to market is NOT to judge your prospects and assume you always know better.

Ask questions.

Learn what your prospects and clients need. And then tell them how you can help them achieve that. You'll not only get a much warmer response and better results, you'll probably feel a whole lot better when you're marketing yourself.



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วันศุกร์ที่ 20 พฤศจิกายน พ.ศ. 2552

Cigarette Chart Toppers

Are we actually moving towards a tobacco-free world? The Europeans are spearheading such a move and it seems that the people in Hong Kong, or perhaps just their government, are about to tag along and kill all the fun for the avid nic fan. Oh well, too bad for the tourists who just can?t help but puff smoke wherever they may be. Anyway, it?s just in public places like bars and pubs. Just do it in your hotel room if you must.

Why do people smoke cigarettes anyway? Research says that it is not so much the purported great taste bragged about by tobacco companies the world over. Smoking has more of a psychological appeal than a physiological one. Every cloud of cigarette smoke brings about that feel-good factor that many people get addicted to do. To put it simply, smoking is a hell lot of fun.

Expectedly, the statistics on cigarette smoking reflect this burgeoning trend. All this hullabaloo that no smoking campaigners on the other side of the Atlantic and in Asia are making seem to have no effect though on the market. Cigarette sales are staying in the stratosphere. Health ministries all around the planet and the World Health Organization are up in arms against the major tobacco companies. So much for the government?s aggressive non-smoking campaign.

Brands like the all-too-familiar Mild Seven and Camel have topped the charts with billions of cigarette sticks sold and burned. To give you an idea check out this statistics on the top 10 cigarette brands in the market today.

Brand Name Sticks Sold (in billions) Manufacturer
Marlboro 475 Philip Morris
Winston 132 Reynolds?s
Mild Seven 121 Japan Tobacco
Camel 119.8 Reynolds?s
L & M 91 Philip Morris
Cleopatra 61 Eastern Tobaccos
Philip Morris 38 Philip Morris
Newport 31 Lorillard
Yava 31 British American Tobacco

Even young ones are getting into the habit as shown by a recent study on American teenagers from the eighth, 10th and 12th grades. Marlboro by far is still the most popular in this segment followed by Newport and Camel. Trailing the top brands in fourth place is Parliament next in fifth and sixth place are Winston, and Kool. Noticeably the first three brands are the most heavily advertised among industry players ensuring name recall. This is Marlboro country after all. Hail to the Marlboro man!

Non-smokers might ask, where?s the fun in that? It?s just taking in polluted air. Oh no, it?s not just that dear friends. Again research would tell us that the habit of smoking is a manifestation of our innate and universal desire for self-expression. Sounds too scientific? Let me explain. Each of us, whether you?re going through your mid-life crisis or at the peak of your career, does have a, if I may call it, residue of your childhood. We want to be carefree and get away from all the troubles of our increasingly complicated life that comes with our age. Apparently a lot of things are troubling a lot of people these days that smoking has even become trendier because it gives a person a few precious minutes of a worry-free activity after hours of backbreaking or mentally draining work. Call it a cigarette break. A cup of aromatic coffee can go with that as well.

Apart from that, cigarettes are a form of self-reward. It is something that you give to yourself. Again, to feel that proverbial pleasure after a job well done. Have you noticed how many office staff does this? Petty as it may seem but people do become petty at times. A simple fun does the trick without much hassle. It also allows different people especially in bars and pubs or even just in an alleyway to meet strangers and earn new friends sharing lighters and cigarettes. It?s a social tool that, to my mind, already created a lot of unexpected relationships, believe it or not. The activity binds smokers together, like a club perhaps. There?s more but I?d rather not draw the ire of government!

Most of us buy our cigarettes from our very reliable neighborhood convenience store or in Wal-Mart if we?re out shopping with mommy for the weekend. But hey, don?t you know, it?s not only electronics or plane tickets that are available over the Internet nowadays it?s cigarettes too! Now how much more convenient can it get? For geeks and chain smokers alike cigarettes are now clicks of a mouse away. Camel, Marlboro or most other popular brands are available over the World Wide Web that will be delivered right at your doorstep a.s.a.p. No more short trips to the neighborhood convenience store or to Wal-Mart.

What?s more, these companies offer lots of discounts for the perennial human smoke belcher. Quite a temptation for those who are desperately trying to quit. Good grief, now quitting has become a whole lot harder. Getting a stick has become effortless, quick, and unbelievably cheap. If that?s not enticing enough, these companies guarantee that they are not blabber mouths so your personal information or your vital statistics won?t find itself in the government?s files.

Even more better, is their wholesale purchase offer. Bring home a long camel caravan of Camel cigarettes or other brands for rock-bottom prices that you would surely love. With a nice credit limit you can fill your cupboard with box upon box of your well-loved cigarette that could last you till kingdom come. Get this; they are factory fresh so you don?t have to enjoy a lousy cigarette ever again! With that entire discount you can now start saving for a routine visit to the doctor, some medicine and attorney?s fee if ever you decide to sue your once loved Tobacco Company. Just kidding.

Keep your lighters aflame; you will be needing them more nowadays, enjoy! A word of advice, just don?t forget to throw your tons of cigarette butts in the trash bin, and stay away from your kids and those who just don?t love your smoking habit as much as you do.

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วันพฤหัสบดีที่ 19 พฤศจิกายน พ.ศ. 2552

Lawyers and How They Negotiate Personal Injury Settlements

If you have recently been injured in an accident through no fault of your own, you may find yourself in a sea of lawyers without knowing which one to choose. After being injured, many individuals turn to lawyers for help in protecting their rights and helping to ensure they are fairly compensated for lost wages, medical bills and pain and suffering.

Depending on the accident, medical attention may or may not be required. In an automobile accident, for example, the individual who caused the accident will be responsible for any repairs to the victim's automobile, along with the previously mentioned compensation. Most individuals hire a lawyer soon after the accident occurs even though settlement negotiations will typically not begin until after medical treatment has ended.

After concluding medical treatment, lawyers will begin to negotiate with the insurance company representing the person who caused the accident. During this time, lawyers will assess the amount of medical bills, doctor reports and diagnosis, lost wages, damages and will attempt to estimate a fair amount of pain and suffering. After gaining your approval, personal injury lawyers will submit a proposal to the insurance adjuster for consideration. It generally takes 30 days for a response, which is expected to be a counteroffer. At this time, lawyers will discuss the offer with their client and see if a fair settlement can be reached. If not, the lawyer will prepare another letter explaining that the adjuster's offer is not acceptable and will, once again, request that the case be settled for a slightly lower amount than the original proposed amount. This situation is a test of each side as the adjuster wants to settle the case for as little as possible while the lawyers want to make sure their clients are properly compensated. After several letters back and forth, and perhaps some telephone calls, the lawyers will advise their client when a fair offer has been reached. While they cannot instruct their client on what to do, they can advise them on the fairness of the offer and how that figure may change if the case were to proceed to trial.

For reasons of both time and expense, the majority of personal injury cases are settled out of court. Once a trial is granted, attorney fees and court costs increase dramatically. An attorney receives a pre-negotiated amount of the client's settlement, but receives a larger percentage if the case moves to trial. There are a number of lawyers who handle personal injury cases and it is always important to select one that is most sincere and seems most knowledgeable about the process.

The information in this article is to be used for informational purposes only. It should not be considered as, or used in place of, professional legal advice. Individuals who need legal help should consult one of the lawyers in their area who can assist them with their questions and concerns.


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How to Find a Good Asbestos Mesothelioma Lawyer

Without a doubt, ability, experience and reputation, These are important factors in determining an mesothelioma / asbestos lawyer's you can count on and hire. Mind you, If the methotheleoma lawyer is well known as a highly competent lawyer who has settled many mesothelioma cases, his fee is likely to be higher. Remember, the cheapest lawyer may not always be the best. Of course, unless a lawyer takes your case on a contingent basis, he will expect to be paid, win or lose.

The amount of time and labor spent on your asbestos mesothelioma case is what a lawyer will charge you for, his/her time is money. Most lawyers keep very careful records of the amount of time they and members of their staff spend on your case. Different attorneys rate their time differently depending upon their experience, training. skills, and workload.

What about Contingency fees? A contingent fee arrangement is that your lawyer gets a percentage of the compensation money you receive as resolution of your asbestos lawsuit. If you do not receive compensation for the lawsuit then your lawyer collects no fees. However, you may owe charges for court fees, copying, and hiring expert witnesses. A contingency fee is a good option for those unable to pay hourly. Results can never be guaranteed . Nonetheless, some lawyers will handle a lawsuit for money and damages on the condition that they be allowed to take a percentage of the recovery if success is achieved. Under this contingent arrangement, a lawyer does not collect a fee if the case is lost. The client must still pay court costs, however.

Check the lawyers records if possible- Check background, experience, disciplinary record of any potential mesothelioma lawyer candidate. Many states currently require all lawyers to graduate from college and law school, pass a written exam, pass a character and fitness review, and be licensed to practice law. Also, many lawyers take continuing legal education classes each year. You can find out about many asbestos mesothelioma lawyers' backgrounds by checking legal source books in your local law library or public library. Consider the mesothelioma lawyer's training and experience - Ask if the lawyer has handled similar asbestos matters, and what the outcomes were. Also ask if the lawyer has taken any continuing legal education courses regarding asbestos law and asbestos mesothelioma litigation which relates to your legal issue


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วันอังคารที่ 17 พฤศจิกายน พ.ศ. 2552

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วันจันทร์ที่ 16 พฤศจิกายน พ.ศ. 2552

New Jersey DWI Lawyers

The Driving While Intoxicated (DWI) laws in New Jersey are very strict.
The Driving While Intoxicated (DWI) laws in New Jersey are very strict. Because of this, sometimes the accused in such cases feels that there is no point in spending money on a lawyer, and chooses to Plead Guilty. This may not be a wise decision, since there is a great deal that a competent lawyer can do to help. The common strategy is to minimize and possibly even avoid punishment.
 
The process of a DWI case consists of Complaint and Summons, Arraignment, Pre-Trial Discovery, Pre-Trial Motions, Trial, Findings, Sentencing and Appeal. The role of a counsel is to expertly handle the case through these steps. The lawyer will collect all the relevant records and study the details with an eye on the client?s Constitutional rights and defects in the State?s case.

Take for example a person being charged with DWI for drinking inside his parked vehicle. The state has to prove the intention to drive, and prove that the man?s Blood Alcohol Content (BAC) would be above the permissible limit when he operated the vehicle. A smart lawyer may be able to destabilize the state?s contention. If the accused is denied the result of the roadside test, it infringes on his rights. Some types of tests may not be scientifically sustainable. A delay in hearing the case may encroach on the citizen?s right to speedy trial. A prior DWI conviction in another state may not have been based on grounds that would attract the mischief of New Jersey laws.

There are many more possibilities for a good lawyer to help his client in a DWI case. A number of such lawyers practice in New Jersey. The initial consultation is usually free. But while choosing a lawyer, certain pertinent points should be kept in mind. It is often advisable to hire a specialist than a general law practitioner, for obvious reasons. Study his past record. If his operational style is to encourage the accused to plead guilty, perhaps one should look for another lawyer. One should not be afraid to ask questions; after all, the client is paying the lawyer and has a right to know what kind of service he can expect.

Drivers from other states involved in DWI cases can entrust the matter with local lawyers instead of spending time and money to return to New Jersey for attending the court procedure.


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วันเสาร์ที่ 14 พฤศจิกายน พ.ศ. 2552

Athetoid Cerebral Palsy Lawyer

This article provides detailed information on Athetoid Cerebral Palsy Lawyer.
Athetoid cerebral palsy is one of three types of cerebral palsy, and affects between ten and twenty percent of patients. This form of cerebral palsy is caused by damage to parts of the brain called the cerebellum or basal ganglia. These parts of the brain help maintain coordinated and smooth movements and overall body posture. People with athetoid cerebral palsy demonstrate uncontrollable, involuntary, slow, writhing movements of the limbs, and sometimes of the face or tongue. These movements tend to become worse during periods of stress, and disappear during sleep.



Patients may be unable to walk or stand because of poor muscle tone, and may also have difficulty grasping and holding on to objects. Their inability to coordinate movements may also make them unable to feed themselves and perform other activities of daily living. When the face and tongue are involved, patients with athetoid cerebral palsy may grimace, drool or thrust their tongues out. Tongue involvement may make them unable to swallow properly or to speak normally, a condition called dysatrhria.

Patients with athetoid cerebral palsy can be prescribed a group of drugs called anticholinergics to reduce abnormal movements. Such drugs block the action of acetylcholine, a compound in the body that acts on nerve cells to trigger muscle contraction. Some commonly prescribed anticholinergic drugs are trihexyphenidyl, benztropine and procyclidine. Speech therapy plays an important role in managing athetoid cerebral palsy, and can help normalize swallowing movements and reduce slurred speech. Nowadays, special computers and voice synthesizers are available to make speech clearer.

Athetoid cerebral palsy does not improve or become worse with age, but it is distressing for the large number of people with normal intelligence who have this condition. HoweverFeature Articles, normal mental ability often motivates patients to work harder to reduce movement and speech deficits through therapy and to lead productive lives


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วันศุกร์ที่ 13 พฤศจิกายน พ.ศ. 2552

How to Sell Your Expertise Over and Over Again

If you're a service business owner, you have only so many hours in the day. Instead of trying to work with many clients one-on-one, replicate yourself and your knowledge by taking what you know and re-purpose and re-package it into into multiple profit centers.
Putting all of your eggs into one basket in your business is never a good idea. Diversity is key, which means that your revenue should come from a number of clients (not just two or three) and preferably should come from multiple sources other than your primary service. These multiple sources of income are called "multiple profit centers", or MPCs, a term I first heard when I read Barbara Winter's book, Making a Living Without a Job, back in the days when I was trying to determine how to be successfully self-employed. I've often been asked if your income sources should relate to your primary line of business, or if they can be varied and unrelated, like a writer who does copy editing and ghostwriting for a living but also owns rental property and scouts garage sales for gently worn children's clothing and sells it on eBay. You can do whatever best fits your personality, but I think it will keep you saner to corral your MPC's under your primary business umbrella.

Robert Allen, in his best-selling book, Multiple Streams of Income, discusses the "five rings of riches", which I think of as ever-increasing ways to create multiple profit centers. The rings include:

Ring 1 -- Sell Your Core Expertise: In this innermost ring, you are selling your core expertise as an accountant, attorney, web designer, security system installer, carpet cleaner, etc. To this ring, I want to add selling tools you've purchased to use in your business but you don't use all the time, like a telephone bridge line that you might subcontract out to other users.

Ring 2 --Teach Others Your Core Expertise: You develop ways to teach others your specialized knowledge or guide others in how to enter your industry.

Ring 3 --Teach General Skills: In the process of running your business, you probably developed a set of business management skills that have led to your success, and can pass that learning along to others in your industry.

Ring 4 -- Sell Other People's Products: You have in your arsenal a listing of both tried-and-true products you've used in your field of expertise, as well as a database of loyal customers. Why not introduce your clients (and potential clients) to these wonderful products?Ring 5 -- Support Other Infopreneurs: By the time you reach this largest and final ring, you will have become an infopreneuring expert. Allen suggests that this is the time to offer services and advice to other infopreneurs.

Think of MPC's in this way: You own a great business and are phenomenal at what you do and everyone who needs your service should have access to your expertise. However, if you're in a time-based business, as many service business professionals are, there are only so many hours in the day that you have to work with clients. There are two ways to change this: to hire more staff or to replicate yourself. Hiring more staff (or even independent contractors) typically pushes up your overhead costs and will probably only increase your profit margin slightly. Replicating yourself is much easier, and I'm not referring to some Star Trek-like device. By replication, I mean having products available that will either bring clients into your marketing funnel and introduce you to them in a lower-cost, non-threatening manner, or better serve your existing clients without necessarily needing you to personally attend to the client.

The primary method of delivering products to your clients 24/7 and selling in your sleep is via a website. Technology exists that permit visitors to come to your website, read about what you do and how you do it, purchase any number of products from you, and have that all happen automatically. Electronic products are wonderful, as the delivery of that type of product can be 100% hands-off. A physical product that has to be shipped does require some human intervention, but that doesn't mean it has to be you! There are a number of fulfillment companies that have spring up over the years that you can pay to do your product fulfillment for you.

SoHealth Fitness Articles, what kinds of products could you offer via your website? Here are ten ideas:

  1. Special Report
  2. eBook
  3. Tips Booklet
  4. eCourse
  5. Audio tapes/CD
  6. Teleclass/Telecourse
  7. Membership Subscription website
  8. Consulting/Training
  9. Licensing your content to others
  10. Selling other people's products

These ten strategies are only the tip of the iceburg. Take your content and what you know and re-purpose and re-package for profit!


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วันพฤหัสบดีที่ 12 พฤศจิกายน พ.ศ. 2552

What Was Albert Einstein Thinking?

Albert Einstein once said, "You can't solve a problem with the same mind that created it."

To solve a problem you've obviously helped to create, you need to start with a new and fresh mind. For example, a woman thinks, "If I can change my job, my life will be better." Possibly. But life doesn't usually work that way. That woman is likely doing and thinking the same thoughts as always. Nothing new or fresh gets in. If you want to effect a change, get outside yourself and look at the situation with fresh eyes. See how you might assess your problem using a different mindset.

Try these six ways to think with a different mind--and nudge your genius into action:

1. Break patterns. You find yourself walking or driving home only to jolt alert and wonder how you got there. The road is so familiar you followed it automatically. The same thing happens in your mind.

Your mind's neural pathways are like roads connecting bits of information. You learn something by connecting the bits. Then you do it over and over until following that pathway becomes automatic, which enables you to effectively give a speech or swing a golf club.

Patterns are rarely easy to break, yet breaking a pattern is a splendid way to find a new solution to a recurring problem. Grocers entice us to overspend by stocking their stores in a pattern designed by shrewd marketing executives. But smart shoppers impose their own buying patterns, purchasing nonperishables first so their frozen foods won't melt on the way home.

Break old thought patterns by trying new ways of doing a familiar task. Go to an unfamiliar coffee shop to brainstorm ideas, and you may discover fresh solutions.

2. Seek new patterns. The concept for today's computers originated with hole-punch patterns used to weave ornate jacquard fabrics. On the huge early looms, holes punched in a paper pattern allowed hooks to penetrate and grab the thread at assigned positions, creating the intricate weave. Early census takers tweaked this pattern to create hole-punched cards, which recorded details about immigrants entering the United States. Later, IBM expanded this pattern to extraordinary levels.

Likewise, I use my nurse's diagnosing pattern (assessment-diagnosis-intervention-evaluation) to successfully tackle issues in my business. This process of incorporating techniques and patterns from one discipline to creatively solve problems in another can result in ingenious solutions that might otherwise never occur.

3. Change a small action or behavior. Instead of going immediately to your computer when you get to the office, if that's your habit, stop instead to write out a short list of what you want to accomplish. Then power up. Changing an action, even a small one, will often change your thought process. Shake up your internal genius and discover sensational new possibilities.

4. Challenge your obstacles. Let go of the notion that you don't have enough time, energy, money or discipline to do what it takes to succeed. Ask yourself frequently, "What beliefs, ideas and activities are obstructing my progress? What must I change to abolish these obstacles?" My biggest obstacle is believing I don't have enough time. When I challenge that thought I magically make more things happen.

5. Become your own other voice. Law school taught me to think of both sides of a problem, like boxers who anticipate an opponent's every punch. The more you anticipate opposing ideas and their impact, the better you can strategize for success and avoid tactical blows. Successful attorneys spend as much time in the mind of their opponent as they do in their own. Whether it's a career issue or a personal problem you're resolving, practice being your own other voice.

6. Question every assumption. Another Einstein quote I like is, "The important thing is not to stop questioning." Being the most computer-illiterate person in my office, I have no preconceived notions about what software can and cannot do. I think with an entirely different mind than our techs. Many times I ask them to make the software perform a certain way. After they tell me all their preconceived assumptions for why it can't, I shrug and tell them to do it anyway. Two days later the software is usually working exactly as I envisioned. A questioning mind is more likely to get answers.

Beginning today, think about which mind you have working before you tackle a challenge. Your problems won't disappear, and you may not find a solution instantly, but by keeping the possibilities in play, you allow your brain to easily hit upon a solution later. I've had to slip out of my yoga class to jot down ideas because I've had "Eureka!" moments in the middle of a pose. You may never think like Albert Einstein, but new patterns, new thinking and new behaviors will nudge the genius within you.


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วันอังคารที่ 10 พฤศจิกายน พ.ศ. 2552

A Greeting Card a Day Keeps the Competition Away!

According to the Guinness book of World Records the Greatest Salesman of all time was Joe Girard. During his fifteen year selling career, he sold 13,001 cars ... an amazing feat. What was his secret? Greeting Cards! Every month, every person who had ever bought a car from him got a greeting card. It didn't matter if it was Christmas, Valentine's Day, St. Patrick's Day, or the person's birthday ... Joe was a card sending machine!

By sending cards Joe was able to keep his name in front of his customers to the point where it entered their subconscious. In the minds of his customers Joe had become part of the family; in fact he sent them more cards then their real family did!. When they (or somebody they knew) needed a new car the first person they thought of was Joe!

You can read more about Joe at http://www.JoeGirard.com

Last year my wife and I each bought a new Jeep ... a Grand Cherokee for myself and a Jeep Liberty for her. After the guy sold me my Grand Cherokee I never heard from him again. It was quite a different story with the person who sold us my wife's Jeep Liberty. If you would ask me right now who sold me the Grand Cherokee I couldn't tell you. If you asked me who sold us the Jeep Liberty well that's easy ... It's Martha of course!

A few months after we bought the Liberty it was my birthday ... I got a birthday card in the mail from Martha. The next month was my wife's birthday and she got a card too! Martha sent us a nice holiday card as well. Last month was the one year anniversary of us buying the car ... would you believe she sent us an anniversary card? So here's the million dollar question ... Who am I going to buy my next car from? Martha of course!

A friend of mine is an attorney and he built his business by sending birthday cards to the children of his clients. He would often get a call from the parents thanking him for the card and recommending a friend or family member who needed an attorney!

Who else can use this technique? Realtors, Mortgage Brokers, Sales People, Insurance Agents, Dentists, Doctors, Chiropractors, Printers, Network Marketers, Small Business Owners, Consultants, Business Coaches etc. In fact I have a hard time thinking of anybody who can't use Greeting cards to build their business

Power Card Sending Techniques

1 - Send Birthday Cards To Your Clients

Whenever you get a new client ask them for their Birthday and send them a birthday card. You may be the only one doing it! This will cement your image in their mind and when they need you services they will think of you instead of your competitors

2 - Send Birthday Cards To Your Clients Children

This is a Killer Technique which was first introduced to me by my friend the attorney. What do you think is going to happen when the child receives the card? Do you think he may go to his parents and ask "Mommy who is this John Smith, CPA guy who sent me a birthday card?" Out of the mouths of babes ...Relationship marketing at its best!

3 - Send Cards At Unusual Times

Starting right after Thanksgiving until right before Christmas more cards are sent then any other time of the year. Companies feel obligated to send a holiday card once a year. The problem is people are getting so many cards yours will be lost in the shuffle

Now you have to Send a Holiday Card but there are other cards you can send throughout the year. Why not Send a "Happy Groundhog Day"Card? How about a "Happy First Day of Spring" Card? These cards will stand out a lot more then simply sending a once a year Christmas card

4 - Put Your Picture On The Card

Remember the purpose of sending card is to build a relationship with you client and keep your name in their mind. There's no better way to do that then sending your picture in the card. Studies have been shown that people will not throw out a business card with a persons photo on it ... well the same goes for Greeting cards

5 - Enclose A Gift

Want to really impress a client? Enclose a gift in the card! If you can find a store that your client likes send them a gift certificate for that store. If not, enclose a gift card for a popular store like Waldenbooks or Starbucks.

6 - Design A Custom Card

There are places you can go to get a custom greeting card designed with your logo, your personal photo or anything else you want. This is an incredible way of branding yourself and your business

7 - Send Unexpected Cards to "Future Clients"

Is there anybody you would like to meet but can't get past the gate keeper? This technique works like a charm. Get their address from their website and send them a greeting card ... you will be amazed with the results. I have used this technique to my advantage many times ... It Works!

With the new technology it's not necessary to spend your time in the card store. There are online card sending services where you can send "REAL" physical greeting cards from your computer. The one I use is http://www.SendCardsFast.com They have a ton of features and are very inexpensive (under $1 a card).

One time I wanted to get in touch with a well known Internet Marketer and author. I tried emailing him with no response. I went to his website got his Physical address and sent him a card. I got an email from him 3 days letter with his home phone number!

I have since repeated the process numerous times with great results. One technique that I have used is to go to their website, download their picture and upload it to the Greeting card. When they open the card they are starting at a picture of themselves. ... needless to say this grabs their attention a bit!

So whether you are looking to build relationships with current customers or gain new ones ... "Success is In the Cards!"

Copyright ? Jack Bastide All rights Reserved

Note: You are welcome to republish this article as long as the resource box at the end is included fully and unaltered.



Windows 7 ใหม่: ค้นหาพีซีที่เหมาะสมกับคุณ เรียนรู้เพิ่มเติม

วันจันทร์ที่ 9 พฤศจิกายน พ.ศ. 2552

Don't be a Victim of Identity Theft

We live in an information-oriented society. Technology allows us to do business and make transactions literally in a matter of seconds. This abundance of information has given rise to a new crime - identity theft. In fact, according to a 2003 release from the Federal Trade Commission, approximately 27 million Americans have fallen prey to identity thieves since 1999. Each year that number climbs higher and higher. In 2003 alone, almost 10 million people in the United States reported being victimized by identity bandits.

So what does that mean? Someone has stolen your credit card - your credit card company can help you with that, right?

Well, according to the FTC, almost 60% of identity theft issues don't pertain to your existing credit card accounts. Identity theft can occur as a result of new lines of credit being opened in your name either through credit cards or bank loans, as well as phone/utility fraud and even employment related fraud. Because we are susceptible through so many avenues in our daily life, we are all at risk.

What can you do? Where would you turn if you found yourself in this situation? Would you know where to start to clear your name? Well, now you don't have to worry about what to do as we have the answer.

As you already know, Pre-Paid Legal Services?, Inc. is a pioneer of the legal services industry. With more than 30 years of experience in providing legal rights protection to our members, we have now teamed with Kroll Inc., the world's largest risk consulting company.

For more than 30 years, Kroll has helped companies, government agencies and individuals reduce their exposure to risk and capitalize on business opportunities. Kroll is an operating unit of Marsh Inc., the risk and insurance services subsidiary of Marsh & McLennan Companies, Inc., the global professional services .rm. With offices in more than 60 cities in the United States and abroad, Kroll can operate and restructure businesses; scrutinize accounting practices and financial documents; gather and filter electronic evidence for attorneys; recover lost or damaged data from computers and servers; conduct in-depth investigations; screen domestic and foreign-born job candidates; protect individuals, and enhance security systems and procedures. Over the last three years, Kroll has developed a unique solution for victims of identity theft. This new service is now available to Pre-Paid Legal members through the IDENTITY THEFT SHIELD benefit.

What does this benefit provide our members? The Identity Theft Shield gives you easy access to the resources you need to understand your credit ratings and to fight back if an identity thief threatens your financial standing. This benefit is designed to alert you to suspicious account activity, and to restore any resulting damage to your credit history.

1. Credit Report Through Experian

Make sure your financial records are accurate. Your credit standing is one of your most important financial assets. It not only affects your ability to get credit, it often dictates the interest rate at which you can borrow. It can also affect your ability to purchase insurance or to find employment. Some insurance companies and prospective employers use your credit rating to gauge your sense of responsibility.

Experts recommend you review your credit report regularly. The Identity Theft Shield makes it easy. Members are entitled to an up-to-date credit report from Experian at no additional charge.

Personal Credit Score and Analysis from Experian. Know your credit score . . . and how it affects your ability to borrow.

Your credit score is derived from the information in your credit report. This score is used by lenders to determine your creditworthiness. The higher the number, the better your chance of being approved for the credit you want. A detailed analysis of your Personal Credit Score will be included with your Credit Report. You can use this analysis to evaluate your current credit standing.

2. Continuous Credit Monitoring Through Experian

Learn of suspicious activity before your credit is ruined. A professional thief can assume your identity in just a few hours. But it can take years for you to repair your credit standing. Early detection is key to minimizing the damage caused by thieves who steal you name.

With your Identity Theft Shield membership, your credit .les will be monitored through Experian daily. Suspicious activity will be brought to your attention, providing you with early detection. You'll receive prompt notice if any new accounts are opened in your name . . . or if negative notations are added to your credit report.

3. Fraud Restoration Service

Get personal assistance and advice from experts. Any discrepancy in your credit report should be addressed at once. Call our Customer Service Department at the designated Identity Theft Shield number and explain your concerns. If it is identity theft, our fraud investigators will assist you every step of the way. A Fraud Restoration package with complete and detailed materials, aids, and instructions will be rushed to you.

If you sign a Limited Power of Attorney, you will be entitled to Enhanced Restoration Services. Kroll will work with you to determine the extent of the fraud in your credit and regarding your identity. On your behalf, Kroll will issue fraud alerts to the three major credit repositories, the Federal Trade Commission, the Social Security Administration, and the United States Postal Service. Kroll will work with the bureaus, creditors, and collection agencies to restore your credit accuracy with regard to your identity theft issues. If necessary and reasonable, Kroll will work with law enforcement, the department of motor vehicles, and other organizations to resolve your identity theft issues

If you decline the Limited Power of Attorney, you will receive Basic Consulting Services. Kroll will work with you to determine the extent of the fraud in your credit and regarding your identity. Kroll will provide you with contact information and procedures for the organizations you will need to work with. Kroll will provide sample letters and forms and be available to you through a toll-free phone number for assistance and advice throughout the process of restoring your identity.

Now, it is important to understand any identity theft that occurred prior to the membership enrollment or any situations relating to a business identity are not covered. Identity Restoration will not apply if the identity theft is the result of a dishonest, criminal, malicious, or fraudulent act you, your spouse, or child participated in, directed, or had knowledge of. Restoration services will not be provided for a preexisting, known stolen identity event. You must be an active, paid member to receive restoration services. Plan benefits do not cover financial losses arising from the identity theft.

Did you know, that on average, victims spend more than 175 hours and $1,500 in out-of-pocket expenses to clear their names? With Pre-Paid Legal's IDENTITY THEFT SHIELD, the cost of combating identity theft is much less. For just $12.95 a month [$9.95 along with the Pre-Paid Legal membership], IDENTITY THEFT SHIELD members have the added security of knowing they have someone to fight the battle for them. And the best thing is, this monthly fee provides benefits to you, the member, and your spouse.

Reports on identity theft are everywhere - television, newspapers, magazines, talk shows, etc. Now that you know this benefit is available, doesn't it make sense to have this sort of coverage? Imagine the peace of mind you would have knowing you and your spouse would have access to all of these services if you found yourself to be an identity theft statistic? Contact Paul D. McDonald, Independent Associate, to sign up for your Identity Theft membership by calling toll-free 1-877-711-1264. Don't wait until it is too late - do it today!

For a full list of disclosures and exclusions, please consult the Identity Theft Shield written material provided by Pre- Paid Legal.



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