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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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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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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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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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 family, and will greatly simplify the process of transferring your assets.

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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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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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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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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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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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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. However, 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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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.

So, 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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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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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.

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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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Gem State Idaho Child Support

Establishing and Enforcing Idaho Child Support Orders
If you do not already have a child support order, Idaho Child Support Services office can help you navigate the legal requirements to get one. To begin the process, you must provide as much information as possible to the child support office regarding your child and the non-custodial parent. Information that may be requested includes contact information, birth dates, Social Security numbers, and employment details. Child support orders are established through the court system. Therefore, Idaho Child Support Services office does charge fees for this service. If the other parent does not contest the child support order, you will be charged $330-$360. If it is necessary to go to court to establish the child support order, you will be charged $475. In most cases, the non-custodial parent will be required to pay the legal costs associated with getting the child support order.

Once a child support order exists, Idaho child support office can enforce it through such actions as income withholding, intercepting tax refunds, suspending licenses, or reporting debts to credit agencies.

Changing a Child Support Order
Either parent can request a review of the child support order if he or she feels it should be changed. In Idaho, all changes to child support orders must be signed by a judge, but to avoid unnecessary legal fees, you can request the Idaho's Child Support Services office reviews the child support order and circumstances before beginning the legal process. If you would like to request a review of your child support order, you should submit a letter to your local child support office, explaining why you believe the order should change. Idaho's child support office will review a child support order every three years, or if there has been a major change in the financial or custodial circumstances of the case. When a review is requested, Idaho child support office will send a letter to both you and your child's other parent to request information about your case. You will have 30 days to provide the necessary information. When the review is complete, the child support office will send a letter to both parents explaining their decision.

If both parents agree to the changes suggested by the child support services office, you will be asked to sign an agreement. A judge will then review the changes and sign the order. If both parents do not agree to the suggested changes, a court date is set, and a judge will decide if changes should be made to the order. The legal process of changing a child support order may take up to a few months. Idaho child support services office will also charge a legal fee of approximately $360 anytime a child support order is changed. At any time throughout this process, you may hire a private attorney to represent your interests.

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