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Loss of Jobs in America
Paul Craig Roberts
Wednesday, Nov. 12, 2003
How Secure Is Your Job?
Laura Barcella
Friday, April 7, 2006
American Jobs: Going, Going...
Jane Birnbaum
2005
Companies in India celebrate "loss of American jobs"
Mike Crane
December 2004
Costly Trade With China
Millions of U.S. jobs displaced

Robert E. Scott
October 9, 2007
Immigration Is Hurting The U.S. Worker
Steven A. Camarota
Spring 2007
Outsourcing Not the Culprit in Manufacturing Job Loss
Wes Iversen
December 9th, 2003
Veretekk Policy
We built Sohomatic
Testimonials
Veretekk
Live up to the minute.
Your job is secure if you are your boss
Bill Repp
October 14, 2007
Learn What The Wealthy Already Know!
Tim Sales
Back Office Demonstration
What you buy on payday?
Tim Sales
Back Office Demonstration
The New Economy
Robert McGarvey
Entrepreneur, May, 1996
Small Hi Tech Business
Small Business Technology Council
March, 2007
SOHO
Small Office Home Office
June, 2000
CEO's note
I am a SOHO
November, 2007
Great Career Plan
Fight Against Spam
Free Website Stats
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Money Machine
   
Welcome to my personal SohoMatic web system. My name's CedReynolds.com and this web system can offer you a new mindset so you too can compete in this brave new world with absolute confidence! However, what you may not also be aware of is that this is part of a much larger online marketing system that is designed to help you grow your own online business, whatever that may be. You can use this system to learn how to compete in todays world, but you can also get your very own system just like this to generate high-level premium leads to explode your own online business. So, go ahead! Submit your information here and feel free to follow the links on this site to other great, and informative



Feeds for Home and Small Business Owners [Help for home and small business owners is all over the place. We offer some of the best help for free. Read our blog and also check out www.gosmallbiz.com ]

1. Legal Plans to the Rescue
Legal plans to the rescue
By Jim Barone | Published May 1, 2009 From the May 2009 Issue

The headlines tell a story of gloom and doom as the world faces one of the greatest financial challenges since the 1930s. We’ve all read the news. Giants of commerce seem to be teetering. Many organizations — large and small — now find themselves between a rock (lower sales) and a hard place (business costs).

Everywhere, people are feeling the pinch. From Wall Street to Main Street, people are worried about jobs, benefits and financial security — the future. Yet, economists, historians, and grandparents who lived through the Great Depression remind us that society has survived and overcome financial difficulties.

Legal’s Unique Advantages
The good news is that, despite the dark clouds of economic uncertainty, leading brokers are finding a silver lining of opportunity by providing best in class financial products and services. They are helping employers and employees overcome today’s challenges and move purposefully and confidently into the future. This is especially true for brokers who offer voluntary products, such as legal plans — placing themselves in a favorable position with current and prospective clients.

Employers are always looking for cost-effective ways to manage business expenses. Yet, they also recognize the importance of providing value-added employee benefits. The two strategies can work together to help keep the business moving forward.

While managing costs is clearly important, savvy employers don’t lose sight of their most valuable natural resource — the men and women who comprise their workforce. Cost-conscious employers are employing the cost-saving strategy of passing along benefit costs to employees.

At the same time, they are choosing to offer legal plans or other value-added voluntary benefits that help employees address personal needs and objectives — keeping things in balance for all concerned. According to recent studies from UNUM and MetLife, more than half of U.S. employers offer at least one voluntary benefit to which tens of millions of American workers have access through their jobs.

Recent studies have shown that Americans — concerned about work and financial stability — are placing increased personal value in having adequate benefit protection for themselves and their families. Furthermore, they appear to be willing to pay for voluntary benefits that supplement their standard employer-sponsored benefits.

While some consumers might perceive legal services, in general, as inaccessible and unaffordable, a Russell Research study (“Legal Needs of Today’s Multi-Generational Workforce”) showed that a majority of Americans see legal plans as a valuable employee benefit to help them deal with personal legal needs, ranging from financial and family to home and automobile-related matters.

One of the hard facts of life that people are now learning is that legal needs arise regardless of having coverage or ability to pay. The Russell Study reported that only one-fifth of Americans have a plan for covering legal expenses that may arise. Nearly two-fifths don’t have a plan and another two-fifths would have to find a way to cover legal expenses. The study also showed that seven out of 10 people (67 percent) experienced one or more legal life events in the past 12 months while nine out of 10 (88 percent) were concerned about one or more financial or legal matters.

Power of Differentiation
During tough economic times, differentiation can be a matter of self preservation — whether you’re talking about a broker or a business owner. Commission shrinkage has become a troubling trend as more employers buy down benefits. As a result, the competition for a finite number of deals has become infinitely more intense. In Darwinian terms, it has become survival of the fittest. More than ever, providing professional expertise, counsel and products that serve client needs can be critical elements for brokers to build strong client relationships and nurture business growth.

Brokers who offer legal plans are able to stand out from the crowd with a unique and valuable product offering that is gaining widespread acceptance. According to the Society of Human Resources Management, legal services have been one of the fastest growing voluntary benefits, averaging more than 20 percent annually for the past several years.

The growth of legal services can be attributed, in part, to the dual advantages. For employers, legal represents a cost-effective voluntary benefit and a strategic business asset that can affect the business bottom line by helping reduce employee stress, absenteeism and presenteeism, which can, in turn, promote higher productivity, job performance and employee morale.

In addition to the growing presence in the voluntary benefits market, legal plans are expanding into other areas of financial services. Many financial institutions are adding legal services to their customer portfolios to provide a safety net for consumers. Meanwhile, a growing number of life insurance companies are embedding legal protection into insurance policies to streamline estate planning for life insurance policyholders.

Broker Value Proposition
Legal can offer brokers several distinct advantages, both for what legal can do and what it is not. For example, legal isn’t subject to the same inflationary drivers as other employee benefits programs. With employers struggling to maintain or add benefits due to costs, legal is a nice offset product that offers a cost-effective benefit from the employer’s perspective and valuable legal resource for employees and their families. Clearly, legal plans represent an opportunity to offer clients a much needed benefit. Legal is not a commodity or “me too” insurance product — it’s a value-added product that helps people in our multi-generational workforce address a wide range of financial, family, home and other legal needs. Legal is not a complicated insurance product. The policy isn’t too difficult to decipher. Selling and servicing legal doesn’t require extensive customer hand-holding. Plus, there’s limited business accountability for the broker.

Legal can help brokers shift gears to drive customer retention and new sources of revenue. As stated, legal can differentiate the broker’s product offering — adding value to the total product portfolio and enhancing the ability to meet client needs for the future. Compared with other financial products, legal is low risk and low maintenance: a straightforward, uncomplicated benefit.

The insurance aspect of legal plans shouldn’t be understated. While specialty products, such as identity theft coverage, can be helpful to consumers, legal plans provide a more comprehensive benefit to protect against the costly, unexpected or unplanned legal needs that can turn the world upside down. The cost? A year’s worth of comprehensive legal protection for the cost equivalent of a roadside assistance program.

Strong Case for Legal
Despite the prophets of economic gloom and doom, the sky isn’t falling. However, if it does fall, a growing number of Americans can rest assured that having a legal plan is their best policy. Many employers have already enhanced their benefit portfolios with group legal plans that help employees address personal issues. This proactive approach can serve as preventive maintenance, provide services when needed and help employees achieve better work/life balance. While many employers are recognizing the need for legal insurance, only one out of eight employees works for an employer that offers group legal coverage, according to an earlier Russell Research study. That would seem to suggest that for brokers looking for value-added, cost-effective benefits to strengthen their product portfolio, client relationships and financial future, the sky is the limit.

As senior vice president and chief sales officer for ARAG, Jim Barone leads an experienced sales team in working with businesses, brokers and benefits professionals to provide legal plans that help people address personal legal needs. Barone has more than 20 years of experience as a successful sales executive in the employer sponsored and voluntary market.

Contact Ced Reynolds
(909) 597-3502
CedReynolds.com


2. Prepaid vs. Postpaid Services

I have never really given too much thought to the things I prepay for vs. postpaying for them.  Just wanted to share some thoughts about how I have come to the conclusion that's a good thing to prepay for some services.

I prepay for my medical coverage -  It's a good thing because I sure would be hard pressed to have to postpay for the services provided by my doctor, especially any kind of surgery.

I prepay for my automobile coverage - It's a good thing because I have been in accidents that would have caused me to file bankruptcy if I wasn't covererd.

I prepay for my automobile warranty - It's a good thing because if I have a transmission problem with my new car, I won't have to come out of pocket thousands of dollars.

I prepay for my life insurance coverage - It's a good thing becuase if I should die prematurely, my family will not have to change their lifestyle just becuase my income is lost.

I prepay for my homeowners coverage - It's a good thing because if my home were to burn down and my property was destroyed it would be virtually impossible to postpay to replace it.

I prepay for my life events legal plan -  It's a good thing because in this sue happy culture we live in, our family would be wiped out financially.  In addition to that I would rather prepay for the ability to have legal consultation that postpay hundreds of dollars per hour.

I prepay for my identity theft coverage - It's a good thing because if my identity is compromised, I don't have the expertise nor the 600 hours it typically takes to get it restored.  Secondly My identity is is my most valuable possession.

All in all prepaying for services is a way to save money and have the quality of services that are necessary in our busy lives.  I would venture to say that none of us would prefer to postpay for services when we can pay a significantly lowerer monthly premium to have the same services.

Love to hear your thoughts.

Ced Reynolds, CITRMS

p.s. Today I'm looking to help your clients who are looking to start saving money by prepaying for their legal and identity theft coverage. Have them call me @ (909) 597-3502

 

 



3. FSBO's may be among your best leads
It is no surprise that there are tons of people who feel as though they can sell their home on their own and they don't need a professional Realtor. Sure there are some people who have been able to do it. My question is, if when using a Realtor there are things that pop up, how much more will things pop up that a FSBO won't have a clue how to handle?

Years ago when I was in the moving business I would stop by FSBO's and talk with them about the pros and cons of moving their own furniture. Most of them had no clue that having a moving company move their furniture had so many great benefits and the cost in a lot of cases was far lower than they estimated. My point is FSBO's need help but we have to have a way to offer it to them without them feeling as though we're looking to take advantage of them.

Today as I am in the business of offering legal plans, I approach FSBO's with a simple question. All I ask them is, "how will you handle the legalities of selling your home?" Many of them just think they can get all the info they need by talking to Realtors or relying on what they observed from a previous Real Estate transaction. I ask them, "do you have an attorney review offers you receive?" These are just a couple of vital things that I bring to the attention of FSBO's.

Something great about the people who really pay attention is that they ask questions that allow me to help them obtain the legal consultation they need and save paying between $150 - $400 per hour Think about it. Wouldn't it be a good thing to offer a FSBO the help they need to show them you really are there to help them. They may or may not list with you but them might consider paying you a commission if you bring them a buyer. All this might be a consideration just because you chose to help them do what they believed was the right thing to do (sell their own home).

Can you find a way to help a FSBO that will let them know you want to genuinely want to help them without them leaving them the impression that you're trying to trick them to list with you? Believe it or not, people remember how they are treated. If we treat people with dignity and respect their plans they will remember us in a favorable way. Our goodness just might end up helping us get a referral or two just for helping a FSBO in a small way.

Stay in the game and play to win, but always remember to keep your helping hat on.

Ced Reynolds


4. Monday Morning with The Entrepreneurial Pastor
Another must listen
Listen in as Entrepreneurial Pastor Ced shares on Inspiration by God in Business


Perhaps it's time to examine your internal inspiration. This audio blog is designed to help you see your life and business from a different perspective.

Stay blessed,

Entrepreneurial Pastor Ced


5. The Leader You Are Looking For Is You
Have you ever found yourself looking to others to lead you when you didn't know what to do? There is no need. There is a leader inside you who knows every move you need to make.

The Bible says that we should "Trust in the Lord with all of our heart and lean not to our own understanding and in all of our ways we are to acknowledge Him and He would direct our paths. Check it out for yourself in the book of Proverbs chapter 3.

There is a leader inside you wants to lead you into all truth. He wants to lead you even when you are in the valley of the shadow of death.

Stop looking on the outside to find a leader to help you become all God wants you to be. Look to the One who created you and you will find yourself being led in ways you've never dreamed of.

As much as the guru's claim to know, they definitely don't know more than the Creator of the universe.

Short and sweet, stop looking for leaders and look to the Lord to lead you. He has your best interest in mind.

Here are some keys to know when the Lord is leading you:

* Integrity will guide you
* Peace will rule in your heart
* Righteousness will be apparent in your life
* Trust will be present
* Faith will be your way of living
* Love will be your true motivation

Stay blessed,

Ced Reynolds
Small Biz Prayer Network


6. Online interview with Doniel Tiggs

Today I had a great opportunity to interview a great Real Estate investor and business owner, Doniel Tiggs. Listen in an pick up some pointers on how he compares some of his businesses with each other. Doniel is a member of the Small Biz Prayer Network and enjoys training. One of the training venues he uses is video. He uses real life experiences to demonstrate how business functions. You can find out more about Doniel @ Doniel Tiggs Profile.

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Make is a blessed day,

Ced Reynolds



7. Monday Morning with Pastor Ced 2/16/09
Start your day off with a blast. Join Pastor Ced as he encourages you to get going today for the rest of the week.
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8. Are you ready for our very first contest?
I have been pondering a contest for quite some time. The thought came to me that we're all here to get more exposure for our businesses. My thought has also been how to get more exposure for our network.

So here's what I came up with: Photobucket

"The Ultimate Exposure Contest"

Prizes:

1st Prize

Winner will be interviewed on Small Biz Prayer Netowrk Talkcast about your business. It's picked up on i-tunes and downloaded daily by people who follow the show. You will also be able to send the link to friends and prospects.

Winner will receive article written about your business on all of 50+ syndicated blogs.

Winner will receive ad submission tool that will place your ad in 12 million ad pages on the internet. Unlimited ad submission.

Winner will receive free access to business opportunity seeker leads. You will be provided names, addresses, phone numbers, email addresses and IP addresses. Get as many leads as you want.

2nd Prize

2nd place winner will receive article written about your business on all of 50+ syndicated blogs.

2nd place winner will receive ad submission tool that will place your ad in 12 million ad pages on the internet.

3rd Prize

3rd place winner will receive free access to business opportunity seeker leads. You will be provided names, addresses, phone numbers, email addresses and IP addresses. Get as many leads as you need.

Rules:

This is really a simple contest. Just invite people to join the Small Biz Prayer Network. The ones who invite the most who join the SBPN will win the 1st thru 3rd prizes as mentioned above. There is a minimum of 5 referrals to the network to be considered for any of the prizes. In the event of a tie on any of the prize levels, each person will receive the same prize on the level they won. Let's hope there are not too many ties...

Lastly, the contest starts right now and ends on Saturday February 28, 2009 @ 12:00 am est.

Just leave a message in the reply box on the discussion entitled "Are you ready for our very first contest" @ The Small Biz Prayer Network and say, "I'm in" and you will be officially registered for the contest.


9. So compelling they will ask you the big question
Have you ever been speaking with someone and you just couldn't wait to ask them the big question? You know, the big question that makes you want to interrupt the conversation. It's the question that you just have to have answered or you will burst at the seams.

Isn't it awesome how people who are so excited about something have a way of telling such a compelling story that you just want to stop them in mid stream and ask them the big question. You're saying, OK, Ced, what's the big question? Gotcha, you just asked it.

You have just been participating in a short compelling read along that purposed to get you to ask a specific question. Now can you imagine how you could use phraseology that would get people to want to stop you in the middle of you talking about your offering?

This is one of the secrets to get people to willingly want to be involved with you. They sense a genuine excitement and feel compelled enough to want to investigate what it is you're talking about. I have a good friend who is a master story teller and he uses this technique to perfection.

Here's something to keep in mind when you're connecting with people. Do as much homework as you can before you start leading them down the road to ask the big question. Get to know a little bit about the people you are speaking with. They'll appreciate it when you speak about things that willingly tell you that interest them.

In closing, here's a couple of samples of big questions:

1. How do I find out more...?
2. How can I get started...?
3. Where can I get...?
4. Can I do...?
5. When can we...?

These are just a few. Do you have any big questions that you wish people would ask you? If you don't mind, we would love it if you would share a few of your desired big questions.

Stay blessed,

Ced Reynolds
Small Biz Prayer Network


10. Monday Morning with Pastor Ced
Small Biz Prayer Network
Monday Morning with Pastor Cedric 2/9/09
Listen in as Pastor Ced talks about leadership in our era and how we should be flexible.
If you need prayer contact us today @ The Small Biz Prayer Network
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11. Leadership Dynamics of our Era
Just sitting here wondering how much leadership has changed in our era. With the internet and the ability to call all over the world for literally nothing, is it necessary for leaders to be present with those they lead? Years ago it wouldn't be thought of to have a leader lead without being with the people he/she was leading. In fact there wasn't much of a choice. Today leaders are leading by webinars, teleconferences, in convention halls and some even still lead one on one.

As a leader what is your preferred method of leading?

As a follower what is your preferred method of being lead?


Ced Reynolds
Entrepreneurial Pastor


12. Succeeding in down times

The topic of "succeeding in down times" is tough to write about because it may come across cocky and self serving. Let me set the stage. First of all not every industry is having a tough time because of the economy. I would think that would be understood. Granted there are industries that are suffering but certain industries thrive in economic down turns.

The economy has no doubt affected many people but the reality is that the more people who buy into the hype, the more fear spreads across the land. Fear is an element that stops marketers of good products and services to stop in their tracks. Fear is an element that brings good customers to a halt from making purchases. So it's fear that's the culprit of the times we are in. Believe me there are people right in your industry who have decided to overcome fear and move forward. Now we all understand that they may be doing things a little bit differently but the key is they are still doing it.

The other culprit in this down economy is confusion. Confusion has a way of getting people to make unwise decisions. Confusion has a way of getting people to stay in a rut thinking they can dig themselves out. Confusion has a way of getting people to continue to go in circles thinking they are making forward progress.

Once these two culprits of fear and confusion are dealt with, people with clear heads prevail. It doesn't matter what the economy looks like, people with clear hears find a way to serve more than a selected few but the masses. Here's a clue. Some strategists say find a niche market and target those folks for a better chance of success. That's a good strategy but I believe it is incomplete. The piece I believe is needed, especially in these times is "pump up the volume." What I mean here is although you may serve a targeted niche, flood that targeted niche with your message. This my friend is how we "serve the masses within a targeted niche." It's like being the only person who owns a street in a neighborhood. Everybody will wonder how you got to own it and how could they own a street also.

Keep going for it,

Ced Reynolds

Career Recruiter

p.s. We have never seen so many people who want and need our product offering. If you know anybody who is looking for a second income have them contact me @ (909) 597-3502 or visit Greatcareerplan.com



13. Recruiting in a down economy
Recruiting is not at the top of the list for a lot of businesses these days. A lot of companies are laying off by the thousands. So why should we recruit in this down economy?
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Here's 9 reasons why:

1. New recruits bring new contacts with them

2. New recruits come with new energy and excitement

3. New recruits are willing to be be trained to start earning money quickly

4. New recruits fresh new approaches to tap into new markets

5. New recruits add to the morale of the company

6. New recruits cause veterans to stay on their toes

7.New recruits who want it bad enough go after it

8. New recruits are likely to be around to capture even more business when the market turns around

9. Lastly, new recruits who make it through a tough season will most likely make it through another one

Ced Reynolds

p.s. If you know anybody is is tough enough mentally and would like to help independent contractors and small business owners, have them contact me. (909) 597-3502


14. Freebies Taking Center Stage
All sorts of stuff on the internet. Freebies are taking center stage and you can actually make money in various different ways acquiring freebies for yourself and your friends. I've become a freebie trader and I started making money my very first day. The amazing thing is that I was able to get some free stuff and I made more money than it cost me for the shipping and handling. Here's the concept. Accept a free offer that in most cases will involve a nominal shipping and handling fee. Just soon after your offer is complete your Paypal account is filled with money. In my case, my first freebie trade went like this. I got one free offer that cost zero and the second had a shipping and handling fee of $2.95 and my Paypal account was filled with $21.00. So my profit was $18.05. What's not to like about this deal.

A free gift for my friends.
FreeDeskLamp.com - Free USB Desk Lamps

Get free stuff everyday from:
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15. Too late for 2008? Just in time for 2009...
Free traffic exchange Something tells me that 2009 will be a year of great opportunity. I say that because of my faith in God and my firm belief in good things coming to those who wait. Many of us have been waiting for a long time for the right opportunity to come along. In really should say many of us have being prepared to receive a great opportunity.

Over the years I have seen my share of good opportunities. Some I have been able to take advantage of because I was prepared mentally and financially. But there were those opportunities I had to let pass me by because I just didn't see what they offered and in a lot of cases I just didn't have the money to take advantage of them.

In this last month I have been extremely fortunate to come across three opportunities that I believe will help many people who dare to work online. I've been in the online game for almost 10 years now and I firmly believe the best is still yet to come.

Below is a splash page that I think you will enjoy. The message may or may not be for you but I guarantee you it will make you think. New ways to attain good quality leads is at the forefront of most our minds. This may just be the thing that puts us out in front of our competitors.

Here is Message Magic:


16. Finally A Monetized Browser

Monetizing the internet is what many of us have dreamed of. Finally a browser that is allowing the surfers participate in the profit. Their concept is sharing the profits with the surfers to insure they have more surfers than Google, Yahoo, Lycos or Ask combined. This amazing concept is so simple that it literally makes you wonder why it's taken so long.

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Click here to access your free browser

FREQUENTLY ASKED QUESTIONS (FAQs)

What is Web Your Way?

Web Your Way is a FREE membership where you share in the advertising dollars you experience on any website, any search engine, wherever, whenever you use the web. That is the Web Your Way.

Is membership really FREE?

Membership is completely FREE for life. Making money on the web is truly FREE.

How do I make money?

Download the Toolbar, register and when you choose to interact with Ads by ER anywhere on the web, you share in the ad revenue.

Does the advertising require me to do anything?

No. When you see Ads by ER and something interests you, click it like any advertising on the web. You just made money.

Do you sell or share my personal information?

No personal identity or contact information is ever disclosed. When your payment history qualifies, our bank partner will access to validate your ID, create an account and a issue My Money MasterCard.

Can I share this with my friends?

Sure. Just click Tell Your Friends, copy and paste your invite link in an email and share with everyone.

How do I make money from my friends?

Easy. Your friends join FREE, interact with Ads by ER and you both make money. A true viral distribution of the dollar.

How much Money Can I make?

You make limited money on your own and when you share with friends, and they share with friends, etc. the money is unlimited!

Can I earn money right away?

Yes. Download the Toolbar, register and you're good to go.

Can I see how much Money I'm making? In real-time on your Toolbar. The total also includes the money you're making from your invited friends, and their invited friends, etc. for 7 invitation levels.

How do I get the money I earn?

On My Money, click the 'Request Funds' link. The minimum request is $10 USD.

How long does it take to get paid?

Upon request, initially you get paid within 50 days after the first month when you earn $10 USD or more. Once started, your money is transferred monthly within 20 days after the last day of any month where you earn $10 USD or more upon request. These same rules apply for all members globally.

Is membership worldwide?

Absolutely! Everyone can join worldwide for FREE. Note: At this time, Non U.S. members are not eligible to receive ads or share in the ad revenue. All Non U.S. members will be notified when the Ads by ER Exchange initiates international ad delivery and revenue share.

Click here to access your free browser



17. Look around, who do you see?

In a sea of professionals in the same industry many of them know each other. The ones in the same niche especially know who each other are. It's time to look around and see who's still in the game. Look around, who do you see? Are the same people who started in this race with you still with you? Are yesterday's superstars still in the game?

In business it is the ones who have applied what they learned in lean times and great times who stick around. There are tons of want to be professionals who can "talk a good game." I mean there are people who sit around and talk about the old days as though they participated. There are people who posture as though things are going good. There are people who put on fronts just to save face in front of their peers. We can be good at all of these things but being good in this arena won't keep us in the game. I don't know who said it but when it comes right down to the wire, those who work more on themselves than they work on anything else become the market leaders.

Being a market leader in today's market is hard. It's real hard. I mean people who stay out front in business get up early and stay up late. They do what it takes to get the job done. These are folks who ponder the possibilities all the time. These are men and women who won't settle for mediocrity. They won't throw in the towel just because everybody else has. These folks scrape and scrape until they get what they know is theirs.

Look around, who do you see? Do you see yourself in the midst of a group of professionals who are settling for just getting by or do you see yourself as the market leader in your niche? Please understand that because knowledge is so readily available today it no longer is the quintessential distinguisher of market leaders. Understanders of the market can certainly be market leaders but only if they apply the knowledge. On the other hand "just understanding the market no more makes a person a market leader than sitting in a garage makes one an automobile."

I look around and realize that many of the folks who started with me in the niche I am in are no longer in the game. They don't write blogs anymore nor do they connect with the same people I connect with. This leaves in a sea of professionals pretty much by myself. Many of you know I am not a Realtor. You read my blogs and realize I am an encourager by nature. The point I am making here today is that before I ever encouraged anybody else I had to encourage myself.

For me being a market leader has been tough. I made a decision back in the late 80's that I would connect with Realtors like nobody in my industry would. Although I have changed industries and moved into a different arena, my connection with Realtors stands out more than any other person in my industry that I know. Just look around, who do you see? Where are the market leaders in the niche I connect with?

It might sound like I'm bragging but the reality is that I have purposed to set myself far apart from my industry companions. I have chosen to introduce myself to professionals who they said they would love to help. The only challenge is that many of them really didn't mean it. If they did they would still be around. This might sound a bit harsh or egotistical but again I have to ask you to look around, who do you see?

In closing I want to encourage you to be the market leader in your chosen niche. Be the person that when others look around they still see standing broadcasting the same message. It takes guts to leave the ruts. By the yard it's hard. Inch by inch life is a cinch. These are cute quotes but they have a powerful impact for those who make up their minds to distinguish themselves as the market leaders and the understanders of the market.

What's your decision today, to be a market leader or an understander of the market?

Ced Reynolds

Career Recruiter

I am always looking for market leaders to connect with. If you know anybody like that have them contact me.



18. Is it time to stop, slow down or speed up

OK, so we're doing things a little bit different than we anticipated. Business has taken a turn in a great direction for some and for some a turn in a negative direction. We have to ask ourselves, "if it's my business who is responsible for the ultimate direction it goes?" Do we leave it up to circumstances or chance?

What gets me about many who go into business in boom times is that they don't really know if it's the boom time that has their business thriving or smard (smart & hard combined). The business owners who understand there are ups and downs in business most often stay afloat during tough times because part of their plan is preparing for tough times.

To be fair there are some who have just got going in business for themselves and haven't had the opportunity to plan for the tough times. What are they to do? Well the fact of the matter is that tough times are real and they will have to scrimp and scrape to determine if they are suited for being in business for themselves. I guarantee you one thing though, they will certainly learn a lot and be sure to plan for the boom times and the tough times in their future.

Sudden changes in the national economy don't always hit our areas right away. They may be signs of things that may be coming our direction but our personal economy is determined by how we serve the clients who want and can afford our services. When situations arise where we say, "but that wasn't the plan". we make adjustments and make the best of whatever the situation happens to be. What I understand when situations show up that weren't anticipated is that it is time to either stop, slow down or speed up.

Stopping

Stopping may not appear to be obvious to us all the time. The reality is when it's time to stop, there really is nowhere else to go. There is nothing that brings profit by continuing. There are no signs of possibility. Things have come to a halt. Now I must say this. All situations are subject to change. Even when we stop, we need to prepare to re-engage at some point to get back in the swing of things. But when the game changes and it's time to stop be sure to stop.

Slowing Down

Slowing down is a little bit different. Things on the horizon look to be troubling but not enough to stop. There are still signs of profit. There are still signs of possibility. And although things may be creeping along the game is still on. If you haven't come to a complete halt and it doesn't look like stopping is necessary just slow down a bit and prepare to re-engage at full speed real soon.

Speeding Up

Speeding up is probably the most fun I have a business owner. This is when things are looking exceptionally good. Clients are buying right on the spot. Referrals are coming out of the wood works. Business is hitting on all eight cylinders. Life is just absolutely good. Speeding up is making sure we capture all the potential business that is near us and then some. Speeding up is about "getting it while the getting is good." The key here is not to stop working or slow down but to move full speed ahead until it's time to stop or slow down.

Ced Reynolds

Career Recruiter

I am always looking for team players who want to join me as I speed up taking a message of hope to the self employed.



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20. Be Better Don't Be Cut Throat

Simply put, being better in this economy is making sure you are prepared to serve the client the first time correctly. There is no time to make mistakes. Contrary to some beliefs of people, just because some sales people get more business than others doesn't mean they are "cut throat." They are simply providing more solutions to problems their clients have.

Being better means taking the time to dig out the details of true desires the client has. It takes a professional to ask the tough questions in a pleasant way. Beating around the bush with a "pansy Annie attitude" will just turn clients off. There is so much stress going on in the lives of people today that they need sales people who function with a "iron fist with a velvet glove". Soft on the outside and tough on the inside gets the job done. There is no time to back off being Mr. Nice guy or Mrs. Nice lady. Don't get me wrong. I'm not saying we shouldn't be nice. I'm saying we can not and should not be wimps. Our clients don't need wimps.

Be better than your competitor. Don't be cut throat. Be better than you've been in the past. Be a man or woman who's sole intention is to get the job done right the first time.

We are in a season where only the strong will survive. I believe many of those who thought they were strong will find themselves analyzing their inner strength. This is more of an inside game than anything else. It's not all about knowledge. It's about belief in self and God. It's about having a philosophy that is predetermined when you show up in the clients living room. And here's the clincher. The client knows you mean business from the first time they meet you.

Please don't get me wrong here. I am not saying you have to have a specific personality to be better and not be cut throat. You can be exactly who you are but the key is being better. In order to be better you have to find a way go get better. Learn all you can about being a better you and the knowledge you have regarding your industry will be complimented so much that people will think of you in an entirely different light.

Looking forward to meeting the better you,

Ced Reynolds

Career Recruiter

I am always looking for men and women who are looking to be better. If you know anybody like that send them my way.

21. But You're Not My Client

It's always good to get that first call of the day when it's a client who is calling to say "yes. we are ready to do business." But what about that dreaded call when a client that's not even your client calls screaming and hollering "I'm through with you people. I've had enough and I want to cancel right now."

By now you guessed it. This morning my first call from a gentleman who asked for my by name and began to describe his situation. He had mailed in a cancellation form and his membership hasn't been canceled. All the while I was pondering "is this one of my clients?" His name doesn't seem to ring a bell. As I continued to listen I realized he had the wrong person but I was wondering how he got my name.

The wonders of being popular on the Internet has its advantages but today I discovered one of the disadvantages. The gentleman who wasn't my client Googled my company name and my name and there I was. Not the person he was looking for obviously but non the less I was the guy who showed up online and he wasn't taking no for an answer.

As he continued to talk I calmly let him know that I thought he had the wrong person. None of that seemed to register because all he was focused on was getting his membership canceled. So I said to him, can you hold for a moment. As I gathered my thoughts I came back to the phone and said let's do this. Let's get the customer service on a three way phone call and we'll get it handled.

What came next was pure magic. When the customer service rep got on the line of course the first person didn't have authorization to handle this man's situation. The customer service manager then gets on the phone to yet give the same answers as the customer service rep. I knew this wouldn't end up good if this guy had to jump through one more hoop.

Here I am on the phone with a man who isn't my client and a customer service manager who isn't giving an inch and there is no record of a cancellation on file. What was I to do? Why am I involved with this deal anyway? There seemed to be a stale mate and the non-client who has now become my potential worse night mare is madder than a wet hen and the manager just didn't seem to have a clue about how to resolve the situation. So here's what I did. I interrupted the conversation and just asked "is there a record of Mr. Non-Client's email requesting to cancel?" Mr. Non-Client said he had a copy and the manager said she had a copy. Now we seemed to be getting somewhere. So very simply I said can we just get this resolved right now via email. Mr. Non-Client and the manager finally agreed and the cancellation was handled by email and I was a witness to them both saying they received the appropriate emails.

The moral of the story is even when a client isn't your client, do what you can to help them. If nothing else you'll feel better and leave a positive taste in their mouth in spite of a negative situation. It's OK for for a client to not be satisfied even when there are millions of people who love your products and/or services. We have to honor their decision. Mr. Non-Client in this case was extremely apologetic to me for getting me involved. He did realize I was the wrong person but was extremely thankful that I took the time to help him. Of course I asked him to give me a call personally if he ever decided to reinstate his membership. His words were, "you are the only one I would call, you're a real credit to your company. Thanks so much Cedric. You really didn't have to help me but you did"

It was worth it,

Ced Reynolds

Career Recruiter

I am always looking for people who are willing to go the extra mile. If you know somebody like that send them my way. I am building a team of champions who care for people.



22. New Careers Sought By Many

There is more to be considered about the economy than our egos. Sales is an industry where our egos can be stroked so we feel so great about ourselves that we would never dream of making a change for fear of being labeled a failure.

Failure is doing the wrong thing long past the time you were warned that it's over. For many people in the sales arena, it's over. What I mean is that it's time to move on to something else. It might very well be that they will still be in sales but selling something different. Sometimes it's tough to determine when it's over because we try to remain positive throughout the tough seasons. Change is an inevitable thing in every profession. And the fact of the matter is that change will be necessary for some in the sales arena that you are involved with. It might not mean that you will be making a change. But it is certainly time to realize that some of our associates will be making a change and it will hurt not to see them with us in the trenches.

What we can do as we see our associates make a change is help them make their transitions as smooth as possible. We can help them with contacts we have in our data base. We can help them with introductions to business owners who can help them gain employment in a new career. We can do a lot to help our fellow associates in transition while at the same time helping ourselves become known for being there in a time of trouble for those in trouble.

This season does not have to be a drab one. It can be one of prosperity for many who will keep their hearts receptive to how they can help and be helped. It's not a time for those in transition to spite the the industry that they are leaving. Nor is a time for those who are succeeding to gloat because of their success. In the end we all need each other. Let's be there for one another and make this tough economic season one to remember from a positive perspective because we chose to help no matter what.

Here to help,

Ced Reynolds

Career Recruiter

Subscribe to my New Career Newsletter click here


23. A Different Kind of Referral - Help a Friend In Crisis

My mind can't help but wonder what all the people who are unemployed will do with the job market being so tight. Then I began to think of the people close to me who have lost jobs. They are looking feverishly for gainful employment and many of them are having a tough time.

The thought came to me that the more eyes that are looking the better their chances are. I have a young friend who is 27 years old. He got his first job while he was in college at an engineering firm. He was an up and coming star in the company. Then the economy took a nose dive and the company had to lay him off. Now he is looking for work and having a tough time. So I thought I would put some feelers out for him. He's now getting a few calls from lead sources other than the ones he's drummed up himself.

Here's the point of my blog today. Can you think about somebody you know who is looking for work so I can keep my ears and eyes open to help them. Not only will I be keeping my ears and eyes open I am going to get some of the friends in my network to do the same. I believe these are the kids of things we have to do to beat the odds of the down turn in the economy. It's when we pull together to help others that makes life and adventure rather than an atrocity.

Here's a plan. Just list something like this at the bottom of your blog. "I have a friend who is a civil engineer and he is looking for work in Southern California in the Los Angeles area. If you know anybody looking for a guy with a great attitude and a good work ethic have them get in touch with Ced @ (909) 597-3502"

Thanks gang. My heart is heavy for my friends but I know with the help of others who keep open eyes and ears he will find the ideal job in a hurry.

Thanks for taking the time to read my blog today.

Ced

Career Recruiter



24. Our Approach to Life

It's time to keep our chins up and our hearts lifted. Our approach to life in these tough times says a lot about who we really are. No matter how tough things get a man or woman's true character shines through even when they are squeezed tighter and tighter.

It has been said that "tough times help to shape our character." I believe our character might be shaped a little during tough times but the reality is that "our character is shaped primarily by the little things that seem inconsequential." Seemingly inconsequential things can be irritants. But the man or woman who pays attention to them is shaping their character day by day.

Our approach to life is learned by a series of life events that add up to where we are today. Not one of us just woke up with a great attitude. Not one of us just woke up with a stellar character. Not one of us woke up with wisdom. It all happened as a result of paying attention to detail along the way of life. Our approach to life has been a matter of taking the events of life one moment at a time, one day at a time.

Keep approaching life like the champion you are.


Ced Reynolds
Career Recruiter


25. Be Thankful For Those We Work With

As we approach Thanksgiving I have been thinking about what I'm really thankful for. Of course I'm thankful for my family, my health, my well being and most definitely my relationship with the Lord. As I pondered all that I am thankful for I thought about those I work with. Without them business would be so much more challenging.

I am thankful for:

*the people who work in the various offices who serve our business because they make my transactions go smoothly

*my fellow sales personnel because they keep me motivated to do my best

*the vendors we work with because they provide services and products to make my job easier

*the salespeople who give me referrals because they help me help more clients

*the salespeople I am able to help because they allow me to sow positivity into their lives

*my clients because they help me stay gainfully employed while allowing me to help them meet their needs

*lastly, Active Rain because it's given me a neat platform to make connections with some really neat people

Take a moment and tell us who you are thankful for among those you work with

Ced

Career Recruiter



26. Whining Only Works With Babies

If you have children, you know that when they whine we sometimes try and tune them out. But eventually if you're a softy like my wife and I were, they eventually get our attention. We are long past the stage of small children. In fact our son is 22 years old (not a whiner, thank God).

In the sales profession I have come across people who profess to be professionals but they are really whiners. Don't you just love a whining adult. It doesn't matter how much an adult whines in the professional world, most often they don't get what they want. We're into this thing called work. Those who work hard and smart generally get what they are after. Those who whine because they have chosen not to work hard and smart most often find something else to whine about.

Babies get what they want because they can't get it for themselves. But as soon as they learn how to get what they want for themselves they are expected to get it and not whine to others until they get it. It is hard to imagine grown adults whining but it's true. They really haven't grown up yet and they haven't figured out that nobody is going to make things different for them but them.

In this tough season we all have to choose to work hard and smart or choose to whine.

What will you do?

Ced Reynolds

Career Recruiter



27. The Danger of Your Sense of Urgency

For years sales trainers have been telling us "you gotta have a sense of urgency or your prospects won't buy." And what did most of us do? We mustered up the greatest sense of urgency we could. Believe me I was in the front of the line.

Let me tell you what I discovered about having a sense of urgency in sales. I found that the more my prospects felt my urgency the less I would sell. For months I would express the urgency for my prospects to get on board before it was too late. I would tell them that they would lose out if they didn't act now. I would share with them that the price is expected to go up and they would definitely have to pay the higher price if they didn't act now. You name it I tried it. The only thing was it was all to no avail. When it did work, I found my clients canceling after they cooled down after the sale.

Urgency is an interesting thing when it comes to customers. I'll use myself as an example. About 18 months ago I got the new care fever. I've been wanting a Mercedes Benz for about 10 years but I felt the time just wasn't right. Every time I went to the dealer to look at a Mercedes, the salespeople would all express a sense of urgency that really turned me off. Consequently I never bought the Mercedes. In two distinct shopping experiences in the last 10 years I went to my old dealership and bought another Dodge.

Just about 16 months ago I went to another Mercedes Benz dealership "on a mission" to get my Mercedes. This time things were different. I had the sense of urgency this time. All the salesperson had to do was show me what I wanted to see and follow my lead. What I discovered was that it was my urgency that made the sale.

Here's my point. When we work with prospects, it is not our responsibility to push them to a place of having a sense of urgency but rather discern how urgent they are and flow with them. When a prospect shows up with a sense of urgency, we will never be accused of manipulating them to do something they didn't intend on doing. While our own sense of urgency can get us in trouble at times, just remember that the urgency of a prospect is much better than our own in the sales process. They key for us as salespeople is recognizing the level of urgency our prospects have.

Until next time,

Ced Reynolds

Career Recruiter



28. Stumble Your Way to Yes In Sales

You have no doubt heard that all you have to do is be persistent. "Just stay in it to win it. Just stay in the game and you'll win. Success is inevitable to those who persist. Winners never quit and quitters never win." There are tons of quotes like these that inspire us to continue in tough times.

Have you ever thought that though you stumble in your prospecting and your presentation that you could actually stumble your way all the way to yes? Well you absolutely can. Let me give you an example. Several months ago I wrote an article and somehow a person not even part of this network got a hold of it and called me to ask me a few questions. You talk about stumbling, I really stumbled with this one. While I was doing my due diligence to find out which network they saw my article in, I totally turned the person off because of my seemingly (at least to them) pointless questions.

The act of stumbling for me in the case of this prospect (who did become a client by the way) was asking too many questions and not listening enough. Finally when I did get the clue that this person really had no idea where they found my article. They just came across it and they were impressed to call me based on the content.

If my first act of stumbling wasnt' enough, wait to you hear this. I lost the person's contact info so I couldn't call back as I promised I would with the answer to their question. I was thankful that this prospect overlooked my fist stumble but I was certain that they would just write me off when I didn't call them back as I had promised. That's what I would have done if it happened to me.

You won't believe this but after about three days I got an email from the prospect which included their phone number. Here's the funny part, they were emailing me to apologize saying how much of a flake I must have thought they were because they gave me the wrong phone number. I would love to tell you that I fessed up and said I lost the phone number they gave me but I didn't...lol.

Stumbling into your way to yes may not happen like this for me all the time. But what this experience taught me was to keep the faith until I get an answer. Yes might very well be that answer. I assumed "no" because of my stumbling and bumbling.

We never know how things will turn out so we should always keep moving forward even if we are stumbling. At least we will be moving toward yes.

Ced Reynolds

Career Recruiter



29. The Importance of Your Marketing Message

We have all thought at one point, "what's the use...nobody sees my marketing content or my ads anyway." Have you ever thought these thoughts or something similar? If you have this article might be for you. Those who are serious about sales of any product or service know that sales just don't come by mere luck. It's about preparation and hard work. It's about being in front of the right people with our message. The moment we stop putting our message in front of the people who need and/or want our products and/or services we have just hung ourselves.

Marketing is keeping current and prospective clients aware that we are well able and available to assist them when they are ready. The moment we ease up on our marketing message, people begin to wonder just how serious we are. The moment we back off on what we have declared to be of great importance to our clients and prospective clients, they begin to wonder if we are still around.

Marketing is one of the key cornerstones in thriving market and an absolute cornerstone in an declining market. In a thriving market we have to distinguish ourselves from the mass marketers so we can stay ahead of the game. In a declining market we have to distinguish ourselves from other seasoned pros who are doing their best get our share of the market.

If you have a marketing message do everything you can to remind yourself to stay on point. The seasons may change and your message may change slightly but the reality is that you want your clients and prospective clients to know you are there saying the same thing you've always been saying and providing the same quality you've always provided.

Your marketing message is in essence your calling card. People remember you because of what you have said and what others have said about you. When the two match up consistently you know you have a message that will penetrate the hearts of people in good times and tough times.

In closing, we are in a season when we have to know that we will be on point and get the job done no matter what. We are in business to help our prospective clients with their needs, wants and desires. One of the best ways to do that is to remain consistent with our marketing message. It's up to us to get our others to boost our reputation in the marketplace and we do that with a consistent marketing message.

It's never to late to start if you've been off track. And if you are on track, God bless you for making it a point to stay consistent. In either case make your marketing message something that is apart of your daily conversation.

Stay in the game,

Ced Reynolds

Career Recruiter



30. Recruit, Recruit, Recruit - Leverage Your Income in Business

Why do brokers and small business owners recruit, recruit, recruit?

Have you ever thought about why some brokers and small business owners recruit so much and others don't?

There is something to recruiting that you need to know. Here's the word, "leverage." Most brokers and small business owners recruit to expand their business without having to do all the work themselves. I am sure you would agree that having more people working for you is smart provided you can train them to be the best they can be. There is one challenge though. Once some salespeople become good, they get this strange idea that it's time for them to take advantage of leveraging their income. The concept is awesome but there is a big difference between being a salesperson and being a broker or business owner. I mean a big difference! Not all salespeople should be brokers just like not all brokers should revert back to being salespeople.

The reality is that as long as brokers have salespeople they will have a need to recruit because salespeople come and go no matter what. Some go on to different companies. Some go on to start their own companies. And some go on to do entirely different things.

Recruiting is important for various reasons:

1. To build your sales team

2. To find sales managers

3. To discover who you will spend time with

4. To identify your potential competition

5. To stay ahead of your competition

6. To leverage your income

7. To sort out the best candidates

8. To increase your knowledge base

9. To keep current salespeople on their toes

10. To build your data base

When we stop recruiting we fall into a false sense of reality. Things are subject to change. Recruiting keeps us in the flow so that when things do change we are able to flow with the change without having to play the "starting over game."

OK, Ced but what about the economy? Somebody is going to sell Real Estate. Will it be you or someone else. It's a recruiters market. The more we have on our team, the more we can offer what is available.

Recruit, recruit, recruit and you can do it in any order you choose to.

Ced Reynolds

p.s. The great thing about my business is that those I recruit are recruiters also. When they choose to leverage their income it benefits me also.

Career Recruiter



31. I am Sold on Social Networking - It is like Social Equity

Being sold yourself is of great importance when we utilize social networking in business. There is an acronym that says, "iasm stands for I am sold myself" In fact I think this is true about anything we hope to share with others.

If you can ever get excited about something, getting excited about helping people attain their goals should be high on the list. Our enthusiasm just spills onto people and is very contagious. Can you imagine an unenthusiastic person trying to offer help to somebody? The person with enthusiasm has a tremendous advantage.

One thing I must tell you is we ought not be fooled about enthusiasm. Everybody shows it in a different way but no matter how it is shown it is contagious. I have come across people who were not so overt but they expressed a degree of enthusiasm that just captivated my attention. Then I have come across people who are were extremely bubbly but they really didn't convey they were genuinely enthusiastic. Enthusiasm comes from the core of our being. It is not something we can fake for long. For me I have to be able to say "I am sold myself."

I want to encourage you in your business endeavors to be sold on social networking. Believe me it is not a waste of time. We are in the people business and people need each other in various ways. Find yourself getting sincerely involved with your business associates and clients. You will not be disappointed. The relationships we develop over time are assets in our business and our personal life. It is like having "social equity".

Remember this. Being purposeful about social networking will cause us to reach out beyond our comfort zone. Take a moment and call a client to give them an update and let them know your plans. Take a moment to contact a business associate to give them a lead. Take a moment and reach out today on purpose and develop your social equity.

Are you ready to reach out beyond your comfort zone?

Ced Reynolds
Career Recruiter

As a thank you for reading my blog, please accept this free gift of knowledge which will help you take your business to the next level. Click here



32. The New Word of Mouth - Online Social Networking and Media

Things are getting faster, better and more profitable because of the new word of mouth. Are you in the online social networking game? Did you know that using Active Rain and other social network media can get people following you and eventually calling you? Well it most certainly can.The key is being in the game. What I mean is writing content that gets people to want to investigate what you are saying. It amazes me that all over the internet in the various social networks I belong to that the the same people follow me from place to place. I noticed this when I caught myself following certain people from network to network.

Social networking is more than just a fad. It is a way of connecting and finding out about people who you might consider connecting with for whatever reason. This is not just a youth thing. This is a way of life thing. We just witnessed the greatest social network campaign in the history of the United States in our recent elections. Do you think that our President Elect's campaign team was just guessing things might just work out. These folks knew exactly what they were doing and who they were targeting.

I want to tell you one thing. Get good at social networking before it's too late. As much as many of us here on Active Rain are happy with our ranking among ourselves, we have to realize there is a world who is just waiting to read what you have to say. The key is knowing how to make your Active Rain content rain in the rest of the world you want to reach.

Just watch how social media is growing at warp speed. If you can write, write a lot. If you can talk, talk create an internet talk show. If you like the camera, start adding video to your blog. This stuff is changing the marketing game in a big way. You might be saying, I do things the way I do it and that's it. That's perfectly OK. My point here is if you want to see word of mouth work well for you, take it to the next level. Get people talking about you the way you want them to talk about you.

We are in an era of major change. I mean major change!!! Can you sense it?

Get in the game,

Ced Reynolds

p.s. Hey listen, if you're looking to do something different to give your life to take this survey. Just click here.



33. Why Great Career Plans Don't Always Pay Off

Let's face it. Not all people were meant to be in sales. A great career plan can will go haywire if it's not meant to be. I know it is very alluring and the pay off seems to be well worth the effort. The reality is if sales was an easy career to be involved with everybody would be doing it. It's really not true that all a person has to do is learn everything about a product or service and you can sell it.

A sales career needs to be treated like a business. Of course we learn as much as we can about our product or service. But one of the keys that is often underlooked is our philosophy. Our way of thinking about "why we do, what we do, with who we serve makes a world of difference."

How many well intentioned nice people have you seen who just can't seem to sell anything? They do all the right stuff and still find themselves struggling. I'm not talking for a few months, I'm talking about for years. Oh yeah, there is that person who breaks out of the pack from time to time. But for the most part many of these well intentioned nice people never get past below average. They try and try and try. They get trained. They work hard. They work long. They do everything they are supposed to do with limited results.

It might sound like I'm being pretty negative here. I think you would agree with me that it is much better for every person to "fit in where they fit." If we keep trying to fit a "round peg in a square hole" we will have the same problems all the time.

Those who breakthough the "I can't sell anything syndrome," have a philosophy that says "if it's to be it's up to me." They have more than a positive mental attitude. They have a philosophy of life that is deep to the core of their being and they don't receive anything else that is contrary to their philosophy.

Here's the question for you. Where is your great career plan taken you?

Ced Reynolds

Career Recruiter

If you would like to take a survey to find out if you're still in the game take this survey. Just click here.



34. Forbes tells it like it is regarding Prepaid Legal Services

How would you like it if your company was among the top 200 in all of the United States. Hopefully you would be as excited as I am. This isn't our first time being among the top 200 in the country.

Take a look at what Forbes.com has to say about Prepaid Legal Services.

The 200 Best Small Companies

#130 Pre-Paid Legal Services

10.08.08, 6:00 PM ET

CONSECUTIVE YEARS ON 200 BEST 2
2007 RANK 120

Pre-Paid Legal Services ( PPD ) provides members access to legal services through expense plans

Sales Latest 12 months $460 mil
Net income latest 12-mos $54 mil
Net margin 12%
BOARD OF DIRECTORS SCORE 1
REL. TO INDEX 20
REL. TO INDUSTRY 48
Growth
EPS 5-Yr Avg 15%
Last 12 Mos 10%
Sales 5-Yr Avg 6%
Last 12 Mos 3%
PROFITABILITY
return on equity 5-Yr Avg 97%
Last 12 Mos 100+%
RANKING
5-YR AVG ROE (Return on Equity)
#1
12-MOS SALES GROWTH 172
12-MOS EPS GROWTH 123
5-YR SALES GROWTH 193
5-YR EPS GROWTH 145
Stock performance relative to industry 150
Market Data
MARKET VALUE $469 mil
RECENT PRICE $39.65
12-mos total return -29%
2008 P/E estimate NA
< Previous: ESCO Technologies
Next: Stratasys >
We are always looking for associates to help us help consumers get equal access to the justice system. Contact Ced Reynolds @ (909) 597-3502 or visit GreatCareerPlan.com



35. Admitting What You Don't Know

Certainly we all do our best to be the best we can be. But let's face it, we don't know everything. At least I know I don't know everything. For years as a younger sales person I used to think I had to know it all. I believed this so much that I would fake like I knew what I was talking about with my prospects and fellow sales associates.

The interesting thing about faking it is that the people who know more than we do will know right off that bat that we're faking it. Oh, they may not say anything but believe me they know. I used to hear the saying "fake it til you make it" as I was getting started in sales. To this day I wish I never heard this statement. Thank God a seasoned veteran in sales got a hold of me and helped me understand that it is OK to say, "I don't know but can I find out and get back with you" These words were so liberating. I had finally reached a point of not having to put so much pressure on myself to be the end all be all sales guy.

Admitting what we don't know has some great advantages:

1. We relieve ourselves from unnecessary pressure of having to have all the answers

2. We put our clients at ease because they don't think we're a know it all

3. We get the opportunity to learn from our colleagues

4. We experience a more natural maturation process

5. We will eventually become a mentor to others because we've been there and done that

Talk about being a free man! I'm a free man today because I don't hesitate to ask others for assistance on my behalf and on behalf of my clients.

Ced Reynolds

Career Recruiter

Do yourself a favor and take advantage of a risk assessment tool I make available to my business clients. Don't worry, it's free. Just click here and you'll be directed to a page that explains the benefits of the tool.



36. A Good Reputation is Hard to Keep

What are people saying about you. I mean what are the people in your industry, your, clients, your prospects, your family, I mean everybody. What people say about you is how you build your reputation.

We can have the best product or service in the world but if our reputation is tarnished, people will pass on buying our product or using our service. Believe me a bad reputation is easy to get but a good one is hard to keep.

What we do to keep our good reputation depends on:

1. How much we beleive in ourselves

2. How much we believe in our industry

3. How much we believe in our company

4. How much we believe in our co-workers

5. How much we believe in our clients

When our belief is high in the areas I mentioned, our accompanying actions will lead to providing the best service to our clients. One of the key things about people who know they have a good reputation is they don't rely on themselves to bolster their reputation. They rely on others to do it for them.

But how do you get others to speak own your behalf?

Here's how I do it.

*I give people an opportunity to say it through blogs (mine and others).

*I give people an opportunity to say it through email.

*I give people an opportunity to say it through voicemail.

*I offer people the opportunity to say it in my referral process.

I basically look for every possible way to give people a platform to say good things about me so others can see it or hear it.

Look back over your blog responses, email and voicemail and I can almost gurantee you that people have said good things about you. In fact you might just find something good I have said about you.

Keep your good reputation,

Ced Reynolds

Career Recruiter

As a way of saying thank you for taking the time to read my blog, I have a valuable free gift for you. Just click here to receive it.



37. Sometimes testimonies say it best

Although we are in business to let people know how we can help them, sometimes the testimonies of others say it best. Take a moment to share a few of your testimonies on my blog.


This letter is being written to you as a big THANK YOU for the great service you provided me.

To reiterate, I phoned you last January about a problem that I had with a lemon car that I had purchased from (an auto dealership). Last May, I had written them a letter requesting a replacement for this lemon vehicle. Both (the dealership) and (the auto maker) had ignored the letter.

Within 16 days of your writing your letter, (the auto maker) responded with a letter stating that they were anxious to exchange this vehicle for another of my choice. My wife selected a brand new Expedition with custom paint, custom wheels and a custom grill plus a lot of other goodies.

Thanks again for a wonderful job.
Member

California

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I am very please of being a member of your legal services. I did ask you several times to guide me regarding many legal matters. You did your best in answering my questions. The last time I did save several thousands of dollars in a real estate deal which was solved through you instead of going through a costly foreclosure.

Thanks again and keep up the good work.

Esau Awabdy
California

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Thank you for connecting us with Pre-Paid Legal. We chose the Business Owners Legal Solution Plan and have been thrilled with the response and service that we have received. The friendly folks at (my provider firm) always returned our calls within several hours and were knowledgeable and courteous with their assistance.

We have used them to review a number of our contracts; both to our clients as well as from our vendors. When we call for help we are able to speak with a staff attorney or referred out to one of the many local attorneys right here in San Diego.

The GoSmallBiz.com website is a wealth of resources. There are lots of documents online that can be used as a starting point. They can be reviewed by the PPL staff and edited to more closely match our purposes.

Thank you again for your assistance with this great service.

Jesse Johnson
California

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I purchased a laptop from a national chain store that proved to be defective, but the store would not take it back and instead accused me of damaging the laptop. I wrote letters and made many phone calls and visits to the store all to no avail. Then I called (my provider firm) who contacted the store.

That got the ball rolling and three days ago I finally received an E-mail from the store’s attorney that I would be receiving a check by UPS for $1,547- which is the entire sum I paid for the laptop.

Thank you, thank you, thank you…

Mark Ramirez
California

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It would be so easy to tell people about how we help people. But it is so much better to let others tell our story. Get your clients to tell your story for you and your credibility will soar through the roof.

Ced Reynolds

Career Recruiter





38. 5 Reasons Why You Should Keep Social Networking

Perhaps you have heard the statement, "people make the world go round." People are the essence of social networking. But just what does a person do when they are doing their best and things just do not seem to be working out?

It is amazing how huge a challenge seems when we are living through it. It seems as though it will never come to can end. We must remember that seasons come and go and so do challenges. What might seem like an extended season of "dumpsville" it is just a season. It came and it will go. Nothing lasts forever as much as it seems like it will.

So here you are in the season of your life where you are doing all you can do and your best efforts keep you coming up on the short end of the stick. You are doing all the right activity. You are spending tons of money. You are connecting with all the right people. Yet there just does not seem to be that breakthrough you have been anticipating. What do you do? Keep social networking.

Here is why you should keep social networking:

1. To stay connected with people

2. To keep your offering in front of the eyes and ears of others

3. To establish a sense of reliability in your mind and in the mind and others

4. To increase your favor in working large numbers

5. To prepare yourself for the new season that is coming

One of the most genuine activities we can ever be involved in is social networking. We have to remember that if we are not connecting with people we limit our chances of getting through the season of "dumpsville." This is when we have to breakthrough in our philosophy of life. We have to decide to keep the decision we made when we first stated to pursue success. Even when things look glim, we have to stick to our guns. The decision we made when we had a great attitude and tremendous hope is a major factor in concluding the season we are in and moving to the next one.

Stay in the game,

Ced Reynolds
Career Recruiter

As a way of saying thank you for reading my blog article please accept my free gift. To find out more about it click here.



39. Better to be Good than Lucky at Social Networking in Business

OK, every once in a while it is a good thing to be lucky. But it is a much better thing to be good at social networking than rely on luck. An approach that is consistent and genuinely beneficial for the parties involved is a much better way to network.

Networking does come fairly easy to some. But to most it is a learned skill. I must say it a skill that takes continual learning. It is not that the game is changing so much. The key is we have to continue to learn to keep reminded and further sharpen our networking skills.

1. Learning helps us gain knowledge we do not have about social networking.

2. Learning helps us regain knowledge we have forgotten about social networking.

3. Learning helps us stay sharp in areas we need to be the best social networkers we can be.

4. Learning increases our confidence regarding social networking.

5. Learning keeps us humble regarding our social networking skills.

Get good at social networking. Being lucky is just not reliable...lol

By becoming a good social networker you can assure yourself that the relationships you build will be genuine. The more genuine relationships we develop, the more opportunity we will have to get ourmessage out.

Special Note: When relationships are developed properly, the people in your network will become your best referral sources.

Stay in the game,

Ced Reynolds

As a way of saying thank you for reading my article please accept my free gift. Just click here to receive it.



40. Make Social Networking Effective in your Business by Understanding Keywords

Yesterday I was on the phone, I was on-line and I made connections with people offline. You would have to say my day was filled with social networking. Although some of my conversations seemed to be just chit chat, believe me they weren't. My purpose for connecting with anybody is to listen for keywords in their conversation to find out how I might be able to help them. This doesn't mean I disregard everything else they say. It's just a normal conversation but I have trained my ears to pick up keywords.

Let me share with you about how I train my ears to pick up keywords:

1. I profusely saturate myself with product knowledge which makes my ears sensitive to keywords about the benefits our products offer.

2. I constantly connect with other professionals in my business to pick up new keywords.

3. I make it a point to pay attention to testimonials. They are always filled with keywords.

Understanding the keywords associated with your business makes it a lot easier to recognize when you have a good prospect or not. It is especially good to know keywords so you can influence the conversation with the words spoken by your prospects and/or clients.

When we are speaking the same language (keywords) as our prospects and/or clients they tend to relate with us more. After all all we're doing is communicating with them in a way that is favorable to them.

Make Social Networking Effective in your Business by Understanding Keywords.

Ced Reynolds



41. Tips to Make Social Networking More Effective

Social networking is a term that is being thrown around all over the internet. The reality is that social networking didn't start on the internet. It has been around for years. It is what what most of us have done all of our lives. The big deal is that for the most part we have not thought of our social connecting as social networking.

*When we go to a party we are socially networking.

*When we go to church we are socially networking.

*When we go shopping we are socaially networking.

*When we visit a friend we are socially newtorking.

*When we go to a class reunion we are socially networking.

*When we go to school we are socially networking.

*When we go to a seminar we are socially networking.

*When we connect with people on the internet we are socially networking.

I think you get picture. To network socially is to be involved with other people no matter where we are. The key is to social networking is being on purpose while we are networking. I am not saying to be so overbearing that you turn people off. What I am saying is to be a good listener, take good mental notes and prepare to respond.

Believe it or not once we finish being with a person or a group the conversation is not always over. If you took good mental notes you will have a reason to pick up on a previous conversation with a person or group. This is what separates the professional networker from the ones that stumble into networking situations.

People are amazed when we remember details of a previous conversation. It shows them that we cared enough to actually listen. Listening goes a long way. So the key to social networking no matter where we do it is "listening."

Another key while we are socially networking is "responding." I need to be real clear here. Responding at the appropriate time is extremely important. A response that seems like we are on the attack is a big turnoff but a response at the appropriate time can win the favor of the listener.

While listening and responding work hand in hand, it does not mean that the sequence will be one right after the other. Because the best thing to do is wait to respond at appropriate time after listening, the response may be days or even weeks later. The key is being so attentive that when we do respond the listener will be astounded that our response fits their specific situation.

It is really simple to become a better social networker. A reality that must not be over looked is that it is also simple not to be a better social networker.

Happy Networking,

Ced Reynolds, Social Networker



42. Using audio in your marketing campaign

Using audio in your marketing campaign can mean the difference between night and day. Working on the internet is a wonderful tool but it has limited emotional connection unless you're a wonderful writer. The best of writers can do well without audio but us who just write OK can use all the help we can get.

I know many people talk about video being better than audio. In my opinion video is a little bit more complicated because you have to prepare to be seen and heard vs. just preparing to be heard on audio. I've done both and actually do both. But the media I prefer which is much faster to prepare for and also get others to participate with me is audio.

Let's get back to the benefits of using audio.

1. Audio can bring an emotional connection with your audience that gives them a sense of who you are.

2. Audio allows you to tell your story in your own words to those who prefer hearing a voice rather than reading.

3. Audio gives your clients another option to better understand what you are communicating.

4. Audio along with the written word reinforces what you intend to communicate.

5. Audio adds a little flare to your presentation.

6. Audio sets you apart from your competitors.

7. Audio gives you a professional advantage.

8. Audio says to your clients that you care enough to go the extra mile.

9. Audio intrigues your client because it's different.

10. Audio helps you learn your craft because you want to impress those who listen.

There are lots of fun things you can do with audio. I use it because it's quick to set up and it gives me an upfront advantage when I'm trying to connect with first time readers of my blog. Hope you received something of value here.

Stay after it,

Ced Reynolds



43. The power of your schedule

No matter how things get, it is so important to stick to your schedule. In fact if you don't have a schedule you're subject to get off track and stay off track for a long time and not notice that you re drifting from your intended assignment. For years I had intentions of doing things during the course of a day but I would find myself floating all over the map. It's not that I wasn't busy. I was just busy doing things that weren't IPA (Income Producing Activity).

IPA is any a activity that has the potential to lead you to a transaction. For example, making phone calls to prospective clients is IMA if the phone call has the potential to lead to an appointment for a meeting. A meeting is IPA if it has the potential of leading to a listing or attaining a prospective buyer. There are a host of IPA's that we should do daily, weekly, monthly, quarterly and annually.

Here's what my ideal daily and weekly IPA is: I say ideal because I haven't perfected it yet. It's the human part of me that keeps blowing it. lol...

Blogging - I blog at least three times a week in various social networks. When time permits I blog more. Blogging is my way of staying connected with people I know and a great opportunity to meet new people. (90 minutes weekly)

Phone Calls - I make at least 3 phone calls a day to give away free business directory listings and free business risk assessment tools to Realtors, Insurance Agents, Financial Planners and other business owners. The directory listings are valuable to the professionals I speak with because they give additional exposure among other B2B professionals. The risk assessment tool is valuable because it helps the professionals understand the functionality of their business in 5 different categories. It can also be used by the professional to help their own business clients. (90 minutes weekly)

Email - I send an email campaign to my list of prospects weekly. These are people who have double opted in to my receive my newsletter. The email campaign varies. It will most often be something generic that is non-salsey. Sometimes I give away a valuable free internet tool or offer marketing tips.(20 minutes weekly)

Talkcast - I do a talkcast (podcast) weekly to provide inspiration and encouragement to business associates. Often the talkcast is related to one of my blogs. There is always a tag at the end of my talkcast letting people know how to contact me. (30 minutes weekly)

Networking - I network once a week with a group of Realtors where we exchange marketing ideas and share leads. (60 minutes weekly)

SEO - Search engine optimization is big part of my weekly activity. At least 3 times a week I am submitting my syndicated blogs to the search engines. I use what's called a daisy change approach to get traffic to my blogs and talkcasts which attracts new readers and listeners. (120 minutes weekly)

The key for me is sticking to my schedule. Of course there are times when I get off track. What I do to help myself stay on track is post it on my white board in my office. Another key is planning the night before so I get up understanding that my day is already mapped out. This is absolute key for me. Even this particular blog was planned out the night before.

Off to give away my free business directory listings and business risk assessment tools.

Make today the best day of your life,

Ced

p.s. check out my talkcast at



44. Community Legal Services and Middle Income Families

Once in a while I come across a person who wants to know about community legal services. For the most part they have reached the lowest limits of their financial situation. One of the most unfortunate things is to need legal help and not know where to get it or be able to afford it.

One thing that most middle income folks who fall on hard times don't know is that when they fall below the middle income level, there are a host of free services provided for them. Of course because they have never had to access them before they have no idea of these services. One of these services is community legal services. The good thing about the internet today is all a person has to do is Google what they are looking for and they can find it. Unfortunately one of the last things that is on the mind of a person in a stressful life event is Google.

Although community legal services offer help to lower income families, what does a middle income family do when they need legal services? After all even the middle class in today's economy would have a tough time securing legal help if it was needed. The equity in our homes used to be our safety net. Today it's sort of a toss up. It will depend on where the economy is on the given day you were in need of legal assistance.

With community legal services only being available to lower income families and the middle income families not qualifying there has to be a better way. There is. It's called Prepaid Legal Services.

Did you know that 80% of Europeans have a Prepaid Legal Plan? Did you know that less than 3% of Americans even know about Prepaid Legal Services. Those in the Real Estate and financial services field for the most part have heard of it. But only a fraction of the Realtors and Financial Services professionals I know own a Prepaid Legal Plan.

If you are looking for a way to better serve your clients before they fall into hard times, consider learning the benefits of owning a Prepaid Legal Plan.



45. Observations of Justice

This blog will be a little different than my normal blogs but it will certainly be worth your while.

Over the years I have noticed many people in the church I pastor experience things I could virtually do nothing about. They come to me for prayer and counsel expecting to get an answer to their challenge only to go away having been prayed for and hoping that their challenge would some how miraculously be dealt with. Do'nt get me wrong, I believe in miracles and have seen a few in my lifetime.

The point I'm making isn't really about prayer or my faith or the faith of those who come to me. It's about how being practical when it comes to practical things. In this case I'm talking about legal challenges. Believe it or not I have seen more people troubled with legal challenges that had no clue what to do in the last several years than I would have ever imagined.

Here are a few examples:

1. A business owner in our church has major debts that need to be collected and he had to get an attorney to get his customer to finally get off the dime.

2. An elderly couple had their identity stolen and had to get an attorney only to find out that at the end of 6 months there was nothing the courts could do. By the way they spent a bunch of money.

3. Another elderly lady had a dispute with her insurance company so she had to get an attorney to get the insurance company to act right.

4. A father and son investment team in our church had to get an attorney to go to court against a contractor who refused to do the job he promised he would do.

5. A couple in our church had to get an attorney because their Vet failed to disclose a health condition their cat had that led to the death of their cat.

6. Another business owner in our church had to retain an attorney because his former partner embezzled money.

7. A young couple had their tenant move out unannounced and didn't know what to do. They should have gotten an attorney.

These are real examples that have happened in the last year in a small church. There are numbers of other situations that have occurred that would require the counsel of an attorney. All of these people ended up paying lots of unnecessary money to get in most cases less than stellar results.

Justice shouldn't just be for the well to do. It should be for all people. For the most part when it comes to seeking justice because of the events of life we tend to not look to call an attorney until it's almost to late. The reason in most cases is because we know it's not going to be cheap.

That's not the case anymore. There is a solution. Talking with an attorney regarding life events has been made more painless than any of the 4 major insurances you own. In fact when your insurance company fails to perform what you expect, you can have your own legal counsel on standby.

Justice is for All

Psalm 25:9
The humble He guides in justice,And the humble He teaches His way.

Psalm 37:28
For the LORD loves justice,And does not forsake His saints; They are preserved forever, But the descendants of the wicked shall be cut off.

Psalm 103:6
The LORD executes righteousness And justice for all who are oppressed.



46. Second Look ideas from people who practice it

Recently I posted a blog on Getting your clients to take a second look. This stuff works for more people than just me.

Take a look at the comments.

Great points Ced! We always like to stress a different time of day to take a second look at a property. Sometimes afternoon light and morning light will give a house completely differing personalities.

10/19/2008 10:07 AM by Rob & Jeannie Steward (Weichert, Realtors)

People have moods and happenings that can make a second look 180 degrees off. It's funny.

10/19/2008 10:13 AM by Randall ~ @ ~ Access e Mortgage

You have the gift! I beleive in no pressure. You wont like what you get if pressure is how you think you will earn business. Earn is the key word, and you seem to understand that.Thank you for the blog!-Dinah

10/19/2008 11:05 AM by Dinah Lee Griffey (Windermere Peninsula Properties)

Sometimes those second looks excite the client or they start ripping the home apart. I like to take notes, then when we get through the whole place try to really look at what the fear and complaints are with the property, deal with those issues, then foucs on the positive.

I have to admit that it can always improved and I am willing to learn from experts like yourself.

10/19/2008 11:19 AM by Timothy Butterworth (Oregon Realty company)

Cedric,

I tried this same approach yesterday with a potential buyer. I was cleaning up one of our rental properties yesterday and this woman simply stopped by to see if this house was available...she loved the neighborhood...and was "selling herself" on the house...sometimes it's important to have that "laid back-nonpushy" attitude and let THEM talk themselves into purchasing or renting...I expect her to call me back today! Wish me luck...

10/19/2008 11:28 AM by Rebecca @ Schrader Inc. - Mobile Home Financing Specialists


47. Ins and Outs of Social Networking
If you've been struggling to get social networking to pay off, you're not alone. There are some very practical ways to join the social networking arena and succeed. In reality social networking has a few ins and outs that aren't really that different from socially connecting with people offline.

Just a few days ago I put together a short Blogtalkradio.com audio training program where I share some of the ins and outs that have given me success in social networking. I think you will like it. Either way, let me know.

Stay in the game,



48. Time to talk about the Elephant in the Room
When it comes to talking about the obvious, sometimes we do everything we can not to be the one who brings it up. Why is that? In business it's customary that professionals disclose everything necessary that pertains to a transaction. That should be a given. But sometimes we overlook stating the obvious for two reasons.

Fear is a big factor why we fail to talk about the elephant in the room. When we at the close of a tough transaction that has had a lot of complications who wants to bring up a potential deal breaking detail. Fear will cause us to do the wrong thing that leads to a more trouble than we can ever imagine. Talk about the elephant.

Inexperience just comes with the territory. When we are inexperienced we tend to hope others take the lead. Well inexperience only lasts for so long. Take the initiative and talk about the elephant.

A small elephant has become a big elephant in the last several years. It is identity theft coverage. We have clients who have just made the biggest purchase of their lives and their personal non-public information has been exposed to more people than they could imagine. This is a big elephant that needs to be talked about.

One last thing. What do you do when you don't know what to say about the elephant in the room? Point to the person who has been trained to speak specifically about the elephant. Move past the fear and don't let inexperience stop you from exposing that elephant. Your clients see the same elephant and they don't know what to do, but you do...

Ced Reynolds


49. Beware of the Sue Happy People
The US is already sue happy. I just wonder if there will be more lawsuits since the economy is putting the pinch on people in every imaginable situation. As money is getting tighter will people be forced to utilize legal recourse to keep what they believe if rightfully theirs?

If there are more lawsuits will the people getting sued include Realtors and mortgage brokers? This could be a big deal since there are so many frivolous law suits. You may be a Realtor or mortgage broker who has been upright and forthcoming in your dealings. You may be a Realtor or mortgage broker who has covered all the things that would prevent an E&O claim. But what would you do if a former client who is in a quandry with their mortgage and is in a home whos value has declined dramatically all of a sudden decided to sue you for what ever reason?

One of the things to think about is even the defendants who win law suits lose because of the enormous amount of money that is put out to protect their interest. In the climate of our economy it wouldn't surprise me that there are people in such weird states of mind that they won't settle on going down by themselves.

On a closing note, we need to remember that we don't have to do anything wrong to be sued. But if we want to keep what we've worked hard for we have to defend ourselves even against frivolous law suits. People do strange stuff in strange times. Desperation causes the most sane and seemingly rational people do things that they normally wouldn't do. Lastly, hurt people hurt people.

Beware Realtors and mortgage brokers. Do what you can to protect yourself from the fear filled people who are grabbing for straws (your money).

Ced Reynolds

If you would consider selling something different than you are selling right now, click here. Then call Ced Reynolds @ (909) 597-3502


50. Getting a Business Education Online is Like a Game
There are so many of us who had no clue about working online. If you're like me, I initially got online just to have fun and connect with friends and meet new folks with similar interests. When I finally looked around I was being educated at the most unexpected moments. Boy has it been fun.

During the fun process I have learned so many things about working online. One of the greatest things is that I will never know it all. Working online will be an ongoing process. Believe me, it settles my nerves in a big way because I'm a perfectionist and I want to know things yesterday. The good thing about working online is that you can always log on and find out pretty much anything you want to know. Another joy is most of it's for free if you know where to look. Learning to find the free education is a learning process in itself.

Lastly as I finish up here, the best thing I have learned is how to actually find people who are looking for me. What I mean is that are tons of people interested in what I offer through my business and I have learned various methods of helping them find me. It's a lot faster than off line because there are so many people who congregate online in the same places expressing the same concerns. All I do is use the tools I've picked up online which help people realize they have been looking for me when our paths cross. It's not that much different than a person who goes into a retail store looking for a specific item.

The great thing about the internet is the people who finally find you are already convinced they want to connect with you because they have had a chance to do their own due diligence. Here's a hint. The more we help them do their due diligence, the easier it will be to finally connect us. It's not necessary to be known all over the internet. But it is important to be known in the places where the people looking for you can find out about you. Believe me, people talk and when you get them talking about you in a good way, you've done your job.

Stay in the internet game and you'll get used to winning.

Ced Reynolds
www.greatcareerplan.com


51. This guy says we have less than 15 years left
This guy says we have less than 15 years left

Either this guy is crazy or he's a genius. Several years ago I came across the teaching of Mark Yarnell. At first I thought he was quite ecentric. The more I've listened to him over the years and especially during financial melt down we've been recently faced with, I think he may be on to something.

Take a listen for yourself. Click here

Love to get your thoughts on his 10 minute audio on why he believes our economy as we know it has less than 15 years left. By the way he doesn't just talk about the problem. He talks about what he and others have been doing for over 20 years that has given them financial security in the years to come.

Happy listening,

Ced
(909) 597-3502


52. New Ministry Addition of Small Biz Prayer Network
New ministry addition of Small Biz Prayer Network

During the time I've been involved with the Small Biz Prayer Network there has always been this tug to go directly to business owners and pray with them. Don't get me wrong, I have done just that but it's been more hit and miss.

Today I want to let you business owners who are in the Inland Empire know that I will be coming to you to pray with you for your business. For those of you who are part of the network just call and I'll put you on my schedule to pray with you.

The days that we are living in is certainly a time for business owners to continue to offer the services and products your offer. More than that it is a time to minister in the marketplace like never before. Your clients, your employees, your vendors need peace. You already know I'm not talking about the peace that the world gives. The peace of God has to rule in the hearts of the believer more today than ever before.

In closing, I need your help. If you can begin to pray for your fellow business associates, that would do a world of wonders to soften their hearts to hear God regarding being more bold for Jesus during these tough economic times.

My prayer for you today is that the Lord would use you to do the work of an evangelist to make full proof of your ministry. Believe it or not, you have been placed in a position of being a marketplace evangelist. I believe God has great plans for Christian business owners who will not be ashamed of the Gospel of Christ.

Signing off for now...

Stay blessed,
Pastor Cedric
(909) 263-4569


53. Part 8 Workplace Identity Theft Nationwide
We all probably know by know that there really isn't a company that can totally prevent identity theft. It's just like we can't stop injuries that cause us to go to the hospital or having an accident in our motor vehicle. All we can do is do what we can to prevent identity theft, injuries and accidents.

Perhaps you are doing all you know to do to protect your clients identity. You do all the right things to store their information in password protected computers. You lock information in the best file cabinets. You make sure only the people who need to view your clients identity are the only people who see it.

Did you know that nearly 50% of identity theft happens in the workplace? It's absolutely amazing what pressure will cause a person to do. To use the information of a client can be an almost untraceable event. Of course those clients who have a credit monitoring service will be alerted. But what if the thief uses the identity for something else other than credit. A credit monitoring service does the client no good.

The fact that identity theft comes in mainly five different areas is something most people are not aware of. When a persons Character/criminal, drivers license, medical and/or social security identity is breached it takes an expertise the majority of us don't have. Having a lawyer in the family could be a good think if that's their specialty. But if not it's going to be 500 plus hours to get a persons identity restored.

Really, who has the time to invest 500 hours over and above our already busy lives? Here's a clue, help your clients, your office staff and your vendors get an identity theft plan that offers credit and identity monitoring, and a comprehensive restoration service. This way you'll be doing more than anybody else regarding workplace identity theft nationwide.


54. Nationwide Identity Theft -What people don't know
I have to admit I don't know a lot of things and I am always willing to learn. How about you?

Did you know...

More than half of all households have a legal situation right now. —Legal Needs and Civil Justice Survey, published by the American Bar Association

Even law abiding Americans will encounter a legal situation an average of four to six times per year. —National Resource Center for Consumers of Legal Services

You are nearly three times more likely to be in court than you are to be hospitalized. —National Center for State Courts/American Hospital Association

Ced Reynolds
Great legal help


55. Why your business needs a legal plan

Often business owners believe they are safe from law suits because they incorporate. They do have some good protection but what about those frivilous law suits. A good legal plan designed specifically for their size business will do a world of wonders.

Can you imagine having an attorney on retainer only to find out when you call him/her that they don't specialize in the area of law that you are calling about? So you uncle Bob gives you a great deal on legal advice. The tough deal is that he practices family law and you need business legal advice.

Legal plans for home based businesses, the self employed and businesses with up to 99 employees offer way more than most people even know. First of all the majority of people 97% don't even know legal plans for families or businesses even exist. Interestingly enough, 80% of the families in Europe own a legal plan.

So why should you as an independent contractor or business owner have a legal plan? I'll put it to you this way, what do you do when...

  • You need to consult a lawyer?
  • You need legal letters written on your behalf?
  • You have debts you can't collect?
  • You need contracts reviewed before you sign them?
  • You have to go to court to represent your business?
  • You need business advice?
  • You have your identity compromised?


These are just a few reasons every business owner should have some sort of access. I'm not talking about just an attorney but a bank of attorneys who specialize in your specific challenge no matter where you may happen to have a legal challenge in the United States.

Are you a Realtor, Mortgage Broker, Financial Planner or Insurance Agent with and LLC? How are you protecting your number one income producing asset? Sure you have E & O insurance, business insurance, health insurance, long term care insurance and even life insurance. All of these protection elements have a form of legal counsel but how far will they go to protect your personal and business interest? That's why even the highest level executives have their own personal legal counsel even though their companies have legal counsel.

In my business I have legal cousel in various areas pertaining to the work I do. But if someone were to sue me personally I'm on my own to defend the suit. That's why I have a legal plan beyond what my orgqanization offers.

Stay tuned I have some additional information coming real soon.

CedReynolds.com
(909) 597-3502



56. OK, my little secret is out

OK, you're probably wondering where I get all these free gifts. The reality is that I have just accumulated them over the years. Some I use more than others. But at some point they all have served to be of value to me in my business. The one I use the most, in fact everyday is the free directory listing. I give away a free business directory listing to at least two business owners everyday. It puts people into my data base who I want to get to know better.

If you're not sure you have received a free business directory listing from me, go to GoSmallBiz.com and search the directory section. All you have to do is type in your city and your state and you'll see the list of busineeses in your area and your business if I've listed you.

This particular tool is so non-threatening that no one has ever turned me down, at least not yet :) I give this listing away because the business owners who get listed on GoSmallBiz.com often go there and discover all the free services that are provided for business owners and they call me wanting to know more information. OK, my little secret is out. I'm not just giving away free business listings because I'm a nice guy. I do have business reasons as well.

Have you ever wondered why I give away so many free tools? "I give to receive to give again." In the end I always end up on the giving end which is a good thing. Providing my service to people is nothing more than giving people an opportunity to hear my story. Once they hear my story they decide if the story is something they want to be included in or not. It's really that simple. Even if people say no to my story, we part as friends because I find a way to give to them again somehow.

Can you imagine the number of people I've given business directory listings to? Literally hundreds of business owners all over America have received a business directory listing from me and welcome my phone calls, email, mail and personal visits. I've actually developed friends in almost every state. I don't want you to think that they are all my clients but I do want you to understand that I have distinguished myself from every other Prepaid Legal Associate they know in a huge way.

Somebody might be reading this blog saying, "why is he sharing his marketing secrets?" The truth is they aren't really secrets. The other truth is that most people won't do what I do anyway. Another truth is when you hear from me you'll know what to expect. Don't you do much better when you receive a call from somebody when you have an idea what they're going to say? Sure you do. Your guard is down because of the trust factor that's been built up. The trust factor is built up because of the like-ability of the person making the call. The like-ability of the person is built up because you've gotten a chance to get to know the person. It's the old adage, "people do business with people they know, like and trust."

Let's get to know each other. That's where it all starts.

Stay in it to win it,

Ced



57. Principaless Interest - is it real?
So many things are topsy turvy in the world today that people all over the world are looking for new ways to do old things. Gasoline is at an all time high, the housing market is falling through the basement, the world's economic system is crumbling, the status of marriage as it use to be is being threatened big time and the list goes on.

How has it challenged your thinking and your life. I ask about your thinking is because "as we think so are we." Today the person thinking on their feet will not have to fret during these tough times in our nation. What plan do you have to succeed in these days? Have you thought about how these tragic things will challenge your life if they hit home? It's time to start thinking about it and not just that but doing something.

I have done something that has secured my present and my future. It has been a passive thing but it is proving to be a steadfast way of providing the income I will need for my future should the markets of this world collapse. I call it principaless interest. If you would like to find out more about principaless interest go to Mark Yarnell's website at15 Years Left. He brings some very interesting things to mind that may strike you to be crazy at first but as you listen again and again I think you might see he's pretty close to being on track. One way or another you will say this guy is a genius or this guy is a nut case. Certainly you are entitled to your opinion. You owe it to yourself to at least check it out.

I would love to hear from you once you listen to what Mark has to say. I may have something for you that can provide you with a stream of income that stems from principaless interest.

Give me a ring today,
Ced Reynolds
(909) 597-3502
My Website


58. What the freebie kings don't want you to know
So what's the big deal about giving away freebies? There are so many places where you can find freebies on the internet. The big challenge is that who do you trust to receive these freebies from. Chances are you'll be bombarded by spam in a very short time with no way of turning it off...

Here's something you might want to consider. Instead of being the one on the receiving end, become the one on the giving end. Just imagine people calling you to thank you for the freebies you gave them. Just imagine people emailing you back saying thank you. Just imagine people responding to your blog. Just imagine people who don't even respond to your blog but click through to receive the freebies. Who knows how many people do that.

Here's the big secret. The truth is professional marketers who give away freebies are not doing it just because they like giving away free stuff. They are actually developing a data base of highly targeted people who are potential prospects for their products and services.

There is a major factor that you need to be aware of about these professional marketers is that when you respond to their free offer, you are among literraly thousands of prospects. The marketers actually never see your information. It's loaded into an autoresponder that starts a email campaign that shows up in your inbox periodically until you stop it. Chances are you'll never here from these marketers because they are only focused on numbers. I'm talking about mass numbers. The goal is to accumulate a mass amount of targeted leads to be part of their data base.

Here's the other side of how people like me use freebies.

First of all I find freebies that are really valuable and I give them away to people who I can truly help with those freebies.

Second - I actually look to develop long term relationships with people so they will welcome my call or email.

Third - I am always looking for ways to help promote the businesses I network with via resources and referrals.

Fourth - I purpose to stay in contact either by email, blogging, phone calls and in person visits

Fifth - I receive personal referrals to give away freebies from people who use my freebies with success which ends up leading to legitimate business referrals for my business.

In nearly 100% of the time this system makes for a warm call instead of a cold call. People are open to receive my calls because they know the legitimacy of the free offers they have received from me. They also are more apt to ask me about my business as well as look to refer people my direction.

Old ways of relationship marketing are still very useful. They just take longer because the first contact by phone or in person is hit and miss. Using the internet appropriately makes for a faster way of connecting with people of like interest. Once the initial connection is made it's all about developing relationship.

Hope you found this helpful.

Ced

p.s. Be sure to see the valuable freebies in my previous blog: Freebie #8 - free software + bonus freebie


59. A Crusade or just Hype
Many of you don't know that my wife has been disabled for the last 18 years. She is on dialysis and wheel chair bound because of two strokes. I bring this to your attention to tie in a point of how I never thought of how important a person's data based identity is until she was unable to talk.

If you've ever tried to get concise answers to a question from someone who can't talk, you'll understand where I'm headed. There was a point when I had no clue who all the people she did business with. All these businesses had her non public information. What was so astonishing was how easy it was for me to access her information at hospitals, doctor's offices and most any business. Now I know I'm her husband but anybody can pose as a person's husband over the phone.

As I have been watching the news the last couple of years all I've heard is how older people are being taken advantage of because their identity was breached. Someone would call on the phone to their doctor, the hospital or some business that had their non public information and just give away their information.

I don't have to tell you but people are being taken advantage of everyday and their lives are being wrecked because someone else is using their identity. Getting back to my wife's situation. Thank God she has never had her identity stolen. But people in the same hospital and doctor's offices have had their identity stolen and seen their lives become a living hell.

I've been involved helping people protect their identity since 2005. For a fair amount of time it was just an opportunity to help other people and earn a living. As I continued in the business, it has really hit home that my wife's and my non public information is just as important to protect. Having coverage is great but making sure the people I do business with have a plan in place to protect my identity has become a crusade.

Ironically this crusade has caused me to become a magnet attracting people from all over the nation who are curious about how they can protect their identity and put a plan in place in their business. Many of these same people have joined the crusade by making sure the businesses they do business with have a plan in place that satisfies the Federal Trade Commission's Safeguard Rules.

Sources:
Federal Trade Commission

Identity Theft Webinar


60. Employer Protection of Your Non Public Information?
If you were to get involved with a company today you might want to make sure they have a good plan to protect your non-public information. What I mean is the company you consider working for should have an Security Information Officer who has constructed and oversees a written policy.

Data breach is becoming more prevalent not just in big companies like what we've heard on the news. It's happening in small companies as well. The problem is that most small companies don't have a clue that they are targets. Just think about it for a moment. Does your company have your drivers license information? What about your social security number? If you have insurance, do they have access to your medical identification? If you had a background check, do they have a copy of your criminal identification or your credit information?

Most people only think of identity in terms of their credit history. There are actually 5 areas of identity as I just mentioned above. Most companies have various forms of our identity on file. Did you know it's there responsibility to make sure it's protected? Even if you did, do you know if it is being protected?

Have you heard of an Affirmative Defense Response System? Does your company have one in place? "The Federal Trade Commission published a booklet "Protecting Personal Information: A Guide For Your Business" providing the steps to protect your business. These steps may be costly to your business to add protection but it will be financially devastating if you are caught without having a plan in place. Fines range from $1000 to $1,000,000 and jail time for corporate executives."

Something is definitely up and businesses have to do something about it. If your employer has put a plan in place to protect your personal information, you are in good shape. If they haven't, you might want to ask them what they plan on doing to protect your non public information. If they don't do anything, you can still protect yourself by subscribing to an identity theft plan.

Be happy to help you,

Ced Reynolds
Watch this video
(909) 597-3502


61. Moving from an employee to an entrepreneur (audio blog)
Learning how to move from an employee to an entrepreneur is quite a challenge but it can be accomplished. Listen to this audio and hear my story. Hopefully it will inspire you.

Stay blessed,

Ced Reynolds


62. Volunteer Employee Benefits
Volunteer employee benefits are a big thing in businesses all over the country. Business owners are trying their best to offer benefits that their employees need and want. The great thing about volunteer employee benefits is that the employer doesn't have to pay for the benefits.

Employees are now looking to work with companies where they get options. It's options that make a difference. If you're an employer you might want to consider taking a look at our benefits plan. Click here

For more info:<
contact
Ced Reynolds
(909) 597-3502


63. Don't you just hate getting traffic tickets?
On Sunday I was driving home and as customary I entered the left hand turn lane to make a left turn to enter my driveway. The difference on Sunday was there was an orange cone about 18 inches inside the left hand turn lane. A police officer was directing traffic as a clean up crew was just finishing up sweeping.

I don't know what I was thinking (I probably wasn't thinking) but I chose to enter between the cones (bad move Cedric) and wait in the left hand turn lane for the officer to give me the OK when to turn left. But nooooooo. There was another officer sitting in his vehicle that flashed his lights and hit his siren. I really didn't have a clue what he was doing. He got out of the car and was headed my direction. I still didn't have a clue. When he got to my window and motioned for me to roll down my window something told me I must have done something wrong (go figure).

I found out right away that I did something wrong. He asked me what I was doing. I politely said I was waiting to make a left hand turn. I can't tell you the additional terminology he used but entering the cones was a traffic violation when I finally understood what he was saying. What could I say? I did enter the cones.

What would you have done? Here's what I did. I asked the officer if I could call my attorney because I wanted to make sure he didn't violate my rights. He said go ahead. I did and actually it was good for me (to get calmed down) because by this time I was a little bit frustrated with this somewhat snotty officer. As I was talking with my attorney, his attitude did begin to change quite a bit. I thank God for my Legal Shield service. It allows me access to an attorney 24 hours a day if I'm ever detained by a law enforcement officer.

Here's the deal. I got a ticket. I didn't know if I could really beat it or not so I called my attorney Monday morning and received consultation. He let me know that it would be pretty hard. The advice he gave me since I have a good driving record was to just pay the ticket and opt to go to traffic school. Even though I will pay the ticket, I again am thankful for my Prepaid Legal membership. It allows me to get legal consultation about legal matters I'm not sure about.

To be on the phone with an attorney can cost quite a bit. I didn't have to worry about the cost because my membership takes care of times when I'm detained and in need of consultation. The moral of the story is it's better not to get traffic tickets but if you do be sure to have a Prepaid Legal membership. I didn't have any intention of doing something stupid on Sunday but I did.

Ced Reynolds

Click here for Great Legal Help Presentation


64. Christian Conferences
Christian conferences like the Kingdom Realities conference are spreading across the land. Why? Because of the tremendous hunger men and women have to know the will of God for their lives. It's time to take our lives to another level.

For those seeking a better way of living as a Christian, it's a must to attend this year's Kingdom Realities Conference. CentrePoint Christian Fellowship will be hosting it's very first conference Saturday May 31 - Monday June 2, 2008. Pastor Cedric Reynolds has made a commitment to help men, women, boys and girls live an overcoming life as they learn what it truly means to "seek first the Kingdom of God."

Contact info:

CentrePoint Christian Fellowship
6251 Schaefer Avenue
Chino, CA 91710
(909) 591-7555


65. Legal Blog on Active Rain

Cedric (Ced)'s Blog

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66. Help I Need Legal Solutions for my Business
Get it done or get it done do you. It's time to get the legal help you need. Either you will get it or you'll continue to complain. I talk with business owners everyday who just complain about their circumstances. They complain and complain and still do nothing. Even while we're talking, the temptation to shove the Prepaid Legal Business Solution down their throat just eats at me. Of course I don't because I'm a professional.

One would think that every business owner would do everything within their power to take protect their business. Unfortunately that's not so. If you're a business owner take a moment to click on any link in this blog to discover how you can be free from worry.

In the mean time do your homework and find out what it will cost you to handle your legal challenges when they come up. Believe me, it's better to have a Prepaid Legal Business Solutions Plan than a Postpaid Plan. It's like the commercial, "pay me now or pay me later." The choice is yours.

Ced Reynolds


67. California Legal Help -a Plan for Business Owners
What a time for small business owners. There has never been a time when they haven't needed to be protected like today. Oh I'm not just talking about being protected from thieves. I'm talking about legally. How many people do you know who think business owners have deep pockets?

Legal Help is extremely important "before" you actually need it. Many of us just play the "hope nothing happens" game. That day is over. It's more about when that if. It's more about when something will happen that could potentially be a challenge to our personal life and business. A business legal plan is imperative today because of the uncertainties we as business owners are faced with today.

Now if you happen to be one of the fortunate ones, you haven't had any legal challenges. That's awesome. But think of it this way. Would you be without medical insurance or automobile insurance? Absolutely not. We have insurances mainly for the uncertainties of life. We know that an automobile accident without automobile insurance is financial suicide. We know that a hospital stay for any reason can lead to major financial disaster. Think about this. What would happen if your business got sued? Could it lead to a big business challenge? I am convinced it could. That's why legal plans, espeically in California are so vital.

I don't want to hold you up here but do take some time to click on the links in this blog to find out more how you can protect your business.

On a closing note, we are currently looking for associates who have a heart for business owners to market our business legal plans. Please click here to find out about what we offer.

Ced Reynolds


68. Legal Help and the Red Flag Rule
Here's an important article that will help small business owners navigate their way through the Red Flag Rules and Regulations.

Keywords Business Plans Prepaid Legal Legal Help


Red Flag Regs Alert:
It's Time to Start Planning
John S. Burnett, BOL Guru

New rules mandated by the FACT Act* requiring identity theft prevention programs and setting forth guidelines and requirements are about to be published. They implement Section 114 of the law and set forth certain "red flags" that may be indicative of identity theft. This article provides an overview of the final regs.

Effective and Mandatory Compliance Dates
The effective date for the regulations will depend on when they are finally published in the Federal Register. Once they are published, the regulations will be effective on the first day of the calendar quarter that is at least 30 days after publication. So, if they're published on or before November 30, 2007, they'll be effective January 1. If they appear in the Federal Register in December, they won't be effective until April 1, 2008.

Compliance will be mandatory beginning November 1, 2008, but don't let that make you complacent. Each day that your institution doesn't have an effective Identity Theft Prevention Program increases the odds that you'll be damaged by the theft and misuse of a customer's identity.

Program Content
Your Identity Theft Prevention Program must include policies and procedures to:
identify relevant Red Flags for your institution's covered accounts, and incorporate them into the Program. Your institution must start with the Guidelines in Appendix J of the regulation, and the list of Red Flags in its Supplement. You don't have to include all of the Red Flags in the Supplement, but you should have a valid reason for excluding any of them. Add to your list any other Red Flags based on your institution's experience with identity theft, regulatory guidance or from other sources. detect Red Flag events that have been included in your Program respond appropriately to detected Red Flag events, to prevent ID theft and mitigate its effects ensure that the Program is updated periodically, to reflect changes in ID theft risks to customers and your institution.

What is a Red Flag?
A Red Flag is a pattern, practice, or specific activity that indicates the possible existence of identity theft. There is a list of suggested Red Flags included in Supplement A to Appendix J of the regulations.

Who is Covered?
The Red Flag regulations and guidelines affect all financial institutions and creditors with covered accounts. "Creditor" includes anyone who arranges for the extension, renewal, or continuation of credit (following the definition in the Equal Credit Opportunity Act), which includes third-party debt collectors.

Who is Protected?
The group of customers whose identity is protected by the regulations and guidelines includes all customers with covered accounts. While the largest group of protected customers is consumers or individuals, the regulations are risk-based, and coverage is extended based on the type of account involved more than on the class of customer.

What Accounts Are Covered?
The regulations cover continuing deposit or credit relationships established by a person with a financial institution or creditor involving a product or service for personal, family, or household purposes, if the product or service is designed to permit multiple payments or transactions. Examples include credit card accounts, mortgage loans, installment credit, margin accounts, cell phone and other utility accounts (extensions of credit), checking and savings accounts. They also cover any other account (including those established for business purposes) where there is a reasonably foreseeable risk to a customer or the financial institution from identity theft. Financial institution risks include financial, operational, compliance, reputation, or litigation risks. The regulation covers both existing accounts and those in the process of being opened.

Part of the preliminary and ongoing responsibilities of a financial institution under the regulations will be to, on a risk basis, determine which types of accounts fall into the "other account" group for which there is foreseeable risk of ID theft.

Board Involvement
Your board of directors or an appropriate board committee must approve your initial Identity Theft Prevention Program. The board, a board committee, or an employee at a senior management level must be involved in the oversight, development, implementation and administration of the Program. The board is responsible for ensuring that your staff has appropriate training to implement the Program, and that the Program includes appropriate oversight of service provider arrangements.

Address Changes (Card Issuers)
The regulations include a requirement that you have policies and procedures to verify address changes for credit card or debit card holders if the address change is followed within 30 days (or a longer period established in your procedures) by a request for an additional card or replacement card for the same account. You can't issue the additional or replacement card until you've checked out the change of address with your cardholder, and provided your cardholder a reasonable means for promptly reporting an incorrect address change.

Your policies and procedures can provide for the verification of all address change requests. If you've already verified such a request before receiving a request for an added or replacement card, you need not verify the address a second time before issuing the card.

It's Time to Get Moving!
With the compliance deadline a short 12 months away, and evidence that examiners have already been asking financial institutions about their Red Flag programs, you should waste no time ramping up your planning for implementation. When planning backward from the November 1, 2008, deadline, make sure you allow time to present your proposed Program to your board of directors and make any needed adjustments before obtaining their final approval. Assemble your team to decide which accounts you will include in your initial plan for coverage, by assessing the risk of ID theft for each type of account you offer. Don't forget business accounts, particularly those of sole proprietorships and other small businesses.

Watch for guidance from regulators on any additional Red Flags that you should consider including in your Program. Also watch industry news reports, including BOL's weekly Tech Talk briefing, for ID theft developments that might suggest added ID theft risk for any of your customers or account types.

Don't forget time to identify steps that you will include in your Program as responses to any detected Red Flag events.

Each of the federal financial institution regulatory agencies (the Agencies) and the Federal Trade Commission will issue its own regulation in a joint announcement once all of the final approvals are received. Although some of the wording in the agency versions regulations will differ, the substantive provisions will be the same.

The agencies introduced proposed regulations on July 18, 2006, and received 128 comments. The regulations and guidelines are mandated by section 114 of the Fair and Accurate Credit Transactions Act of 2003 (FACT Act or FACTA) which requires financial institutions and creditors to develop and maintain a written Identity Theft Prevention Program. The Agencies are also issuing joint regulations under Section 315 of FACTA to provide guidance on action when a consumer reporting agency sends a notice of address discrepancy (see our Address Discrepancy article).

* FACT Act - Fair and Accurate Credit Transactions Act of 2003

--------------------------------------------------------------------------------
First published on BankersOnline.com 10/19/2007


69. Immigration and Legal Help...
Listen to former Attorney General of Arizona, Grant Woods as he shares his views on immigration. Very interesting to say the least.

California and Arizona are at least two states that will be challenged on how they handle immigration. Who will be the victims of immigration? Will it be the employers or the employees or both?Are you a target because of the color of your skin? How will you protect yourself?



Keywords: legal help small business immigration California Arizona


70. My Personal Legal Help Story
As much as I talk about legal help for everybody else, you would probably imagine I have a Prepaid Legal Membership. Well you're absolutely right. I wouldn't be without it.

Here's my story. A few months ago I made a purchase online with a very reputable company whose products I thoroughly enjoy. In this particular case the purchase I made online gave an option after the purchase to participate in a 14 day trial offer. I really didn't see the need but I couldn't locate any buttons that gave me the option to opt out while I was on the site. Oh the company was gracious enough to let me know there was no obligation and I could cancel anytime with the 14 day trial after I opted in. That's not what I wanted to do. So I didn't opt in. I just left the form and closed the window.

In about a month I received a phone call from a company sales representative letting me know I hadn't activated my account. I promptly let him know I didn't have an account and he said OK, sorry for the call. Just before he got off the line I asked him was I being billed and he promptly said no. So we hung up and I thought that was it. Guess what? I had the same conversation with another sales representative the following month. He also assured me that I wasn't being billed.

Here comes December 2007 and I get another call from a third sales representative. This time when I asked the question, "am I being billed," he said "absolutely," which put me in shock. Here I thought there was no issue and I had been being billed for the last 3 months. (By the way my secretary pays this particular credit card bill. She had no reason to think it was odd.) The sales representative put me in contact with customer service and long story short I was able to get one month's billing reversed. Of course I was grateful but I was not satisfied. I didn't try to make a stink about things, I just contacted my Prepaid Legal Attorney. Mind you this was only to recover $79.00. I know you're saying who calls an attorney to get $79.00 back? There was a time I would have argued and sent letters burning up my own precious energy to get what I thought was rightfully mine. Having a Prepaid Legal Membership just takes the load off. I know when I have a legal challenge all I have to do is pick up the phone and they'll handle things effectively and better than I would.

Here's the end of the story. The company received a letter from my attorney and immediately called me. As we talked they were quite kind as they asked how they could assist me. Yes I got the $79.00 back and the rest is history. All I'm saying here is whenever I need legal help, I know I have it. Could you say that? It's an amazing feeling knowing that I don't have to be taken advantage of.

That's my personal legal help story,

Ced Reynolds


71. Small Business Owners need Legal Plans Too
Talking with small business owers everyday gives me tremendous insight. There has never been a time when I have as aware of the potential trouble every business owner faces just because they are in business. Think about your business for a moment. Can you think of something that could potentially put you out of business. Of course this sounds like a senseless question but most business owners know the answer and do nothing about it. What will you do?

Let me give you an example. If you are in a service business where you repair personal property such as computers, copiers, clocks, or even automobiles or motorcycles, you stand a chance of not performing up to the standards of your customer. When you're faced with the disgust of a customer what really goes through your mind? Certainly you want to take care of the problem. But once in a while there is that totally off the wall customer who demands far more than the service should provide. In fact they are purposely trying to take advantatge of your business service mishap. You know it's not fair so you yield to their wishes because you don't know exactly what they will do if you don't let them have their way. This is no way to run a business.

In today's society we have to be better prepared to make sure we can do business on our terms and not strictly on the terms of people who are trying to take advantage. Don't get me wrong, we still have to look to serve our customers needs far above average. The key here is that when we are positioned properly from a legal perspective we stand to have much more confident conversations with disgruntled customers. This kind of confidence comes from business owners who have a Business Legal Plan. It's not by coincidence that big businesses have attorneys on retainer or on staff. They know the frivilous law suits are bound to happen during the course of doing business because we deal with human beings. They know something that most small business owners don't know. That is head off problems before they start. For the small business owner to protect themselves at the same level as big businesses it would be obsurd to think that they would have the resources to have an attorney on retainer or on staff.

The thing that most small business owners don't know is there is a solution for them through a Prepaid Legal Business Owners Legal Plan. That's what it takes to give yourself peace of mind and not haggle with customers who are looking to take advantage of you.

The question still remains. What will you do?

Ced Reynolds


72. Just read Business Legal Help




73. Business Legal Help is Needed for Business Problems
Small business owners could be in a world of trouble if they were to get sued. They stand to lose substantially because it not only affects their business it may also affect them personally. They really do need legal help. Check the news paper and you'll see all the challenges that business owners are faced with. The law suits are over the top.

Even business owners who operate from home have to protect themselves. If they intteract with people in any way they have to protect themselves. If they ship products, they need to protect themselves. If they go to other businesses for any other reason, they have to protect themeslves. If they do business with other businesses they have to protect themselves.

What most business owners don't realize their responsibility they have to secure the personal information of their customers, vendors and employees. If something were to happen and some personal information a business owner had on file came up missing, who do you think would be responsible? It may not seem fair but the reality is business owners are responsible for more than just selling products and services. The administrative end of things have to be taken care of as well. That's where a Business Legal Plan comes in handy. Business owners interested in finding out more details should check out Wikipedia.org Good third party information is always a good way to evaluate a company.

Until next time,

Ced Reynolds


74. I Need Quick Legal Help - Employee and Employer
Getting quick legal help was probably the last thing on the mind of the employee that got robbed and pistol whipped in the check cashing store in Los Angeles the other day. If you check the news you'll see and hear for yourself that this tragic event was definitely something that will require good legal help even if it's not quick.

Not only does the employee who was beaten in a bad way need legal help, her employer needs legal help as well. There are only a few options both of these people have. Wait until some nice attorney helps them out. Get an attorney that's just hungry for work. Get an attorney through their Prepaid Legal Membership.

Although the most simple solution would be contacting a Prepaid Legal Attorney, the likely hood is that they don't have a membership. You see as smart as it is to have a Prepaid Legal Membership, only 2% of Americans do. I know it's had to imagine but it's true. We all know the importance of life insurance, health insurance, home owners insurance and auto insurance but legal insurance isn't high on our list. Wouldn't you think it should be?

Ced Reynolds
Take a moment to look at what the USA Today had to say Click Here


Keywords: legal help prepaid membership attorney employer employee quick


75. The Federal Trade Commission and Legal Help
Legal help for business owners is needed more today than ever. Are you familiar with the Red Flag Rule? You might want to take some time investigating it. The Federal Trade Commission has some awesome information for business owners.

There has never been a time in history where the small business owner had to protect him/herself like big businesses do. Just the other day I was talking with the wife of a business owner in our church and she was saying her husband spends a lot of time in court. In fact he spends about a quarter of his working week in court.

Can you imagine having to fight a shady law suit? That's exactly what small business owners are faced with. People somehow think that because a person owns a business, they have deep pockets. What they don't know is most business owners are just one law suit away from bankruptcy.

I wouldn't dare just talk about the problem small business owners. There is a wonderful solution. It's Prepaid Legal Services. Prepaid offers help for small business owners like no other company. Just imagine having an attorney on retainer and not having to pay thousands of dollars a month. That's the advantage of Prepaid Legal. Even for a homebased business owners it's a good idea to have a Prepaid Legal membership.

After you visit the Federal Trade Commission's site take a moment to visit Prepaid Legal Services. You will be glad you did.

Ced Reynolds
(909) 597-3502


76. Legal help for Small Business Owners - FTC Guide
Legal help is needed more than we think. Please click on this link FTC Protecting Personal Information. The Federal Trade Commission has some great information via this video presentation.

Today business owners are in trouble if they don't pay attention to the things that are necessary to be in and stay in business. This is a guide that will help any person doing business in a serious way to protect themselves by making certain that they take care of the personal information of their clients and employees.

If you would like to be even more proactives as a business owner you might want to consider investigating Prepaid Legal Services. A Prepaid Legal Services membership can give you the peace of mind you've been looking for because of what it offers to help you protect and grow your business.

Don't think that it's strange for even small business owners to have to take care of the information of their clients and employees. After all the bedrock of our economy is small business. There are more people employeed and making purchases through small businesses than ever before in history.

Take a moment to find out how owning your own Prepaid Legal Membership.

Until next time,

CedReynolds.com


77. If only she had legal help
Siomething I've barely mentioned regarding legal help has been the trouble people have been having with the mortgage companies. What can a person do about the rising adjustable rate mortgages? Most do nothing. In fact I know a lady who saw the writing on the wall and just moved out of her home without even talking with an attorney. I'm not totally certain if an attorney would have been able to save her home because I'm not totally sure where she was in the process.

The point I'm getting at is that hard working people should never have to be in a position they walk away from their home. If this lady would have been rich, she most likely would have had an attorney on retainer. She wasn't so she just walked away not even giving the situation a fighting chance. We're talking about a $500,000+ home. It's simply fear of the unknown that causes a person to do things without obtaining legal help Do you know what you would do in a similar situation. Things wern't bad in her life. She just happened to get caught in a situation where her monthly mortgage increased and her income remained the same.

I have talked about what we've been seeing on the news lately. It's terrible that average Americans are having to completely abandon their lifestyles and their property to just get by. As always, my suggestion is to get a Prepaid Legal Membership.

Who Needs a Prepaid Legal Membership

Individuals
Families
Single Moms
Single Dads
Independent Contractors
Sales People
Homebased Business Owners
Network Marketers
Small Business Owners
Big Business Owners

Ced Reynolds
(909) 597-3502


78. They got legal help quick for a reason
Believe me when I say it's getting bad out there. The need for Legal help is being talked about more than ever before. Every night on the news legal situations come up. Just the other day a tiger mauled some kids at the Zoo. Guess what, the family now has a lawyer and are most likely looking to sue the Zoo. Go figure.

The truth is that those of us who have children never know what might happen while they are out and about. I would imagine that the parents of the kids that were mauled by the Tiger never even considered that they would find themselves in legal situation like they did. Of course they got legal help because of the high profile of the incident. And even though the attorney's probably haven't charged them anything yet, believe me they will. Cases like this one get legal help because they are pretty much guaranteed some sort of settlement from the Zoo. Attorneys aren't stupid. They know how to work the system to get what they want.

But what happens to the person that's just bit by a dog? It can be just as serious but it doesn't warrant the same attention as a Tiger mauling a kid. The fact of the matter is that legal help is needed. We can't live our lives expecting things to be perfect. It's not everyday that people get mauled by Tigers. But dog bits are as common as getting a cold. Just like people do what they can to protect themselves from a cold, we have to do what we can to protect ourselves from the unexpected.

Legal help is becoming a priority for anybody who is living a decent life and whats to protect their lifestyle and most importantly their rights. Not knowing your rights is like not having any rights. And none of us know all our rights, that's why we need attorneys.

Ced Reynolds


79. Can you predict when you'll need legal help?
Can you predict the future? Do you know when you'll need legal help? Can you name the person who will
sue
you someday? The answer is most likely no. Even the people who can predict the future are only right part of the time.

It is sad but true that we live in the most litigious society in the history of mankind. We have more people who have just enough knowledge about the law to be dangerous. Unfortunately their limited knowledge is hurting people like you and me.

If there was something you could do to protect yourself against unscrupulous gold diggers would you do it? The fact is if you're really poor you might be able to get assistance from some sort of non-profit legal aid group. If you're rich you have the money to cover legal challenges that come up. legal help for the middle class is just as much a need as it is for the poor and the rich. It's probably more of an issue because the middle class are doing all they can to get by.

Not having legal help at the time you need it produces fear in a big way. More than that is most people don't even know legal help is affordable for the middle class and the quality of service ranks right up their with the rich and famous. But what stops them from getting the legal helpthey need? Simply not knowing it exists.

A Prepaid Legal Membership is easy to get as it is affordable. You can investigate the benefits of a membership online and determine for yourself the value it will bring you and your family and even your business if you're a business owner. We can plead ignorance to the law but we know we don't have a leg to stand on. Or we can prepare ourselves by owning a Prepaid Legal Membership and stop fear from being a controlling factor in our lives.

if you're tired of living a life trying to predict when you'll need legal help contact me and I'll help get you prepared to protect your family and/or business.

Ced Reynolds
Independent Prepaid Legal Associate
(909) 597-3502

80. Legal help is needed rather you think so or not
So you made it through the holidays without needing any legal help. Congratulations! Do keep in mind that some people didn't. If you saw the news you realize that close to 30,000 people a day (and these are old stats) have their identity breached. It's identity theft that's frightening Americans in a big way.

Can you imagine not having any control of your credit identity, your medical identity, your drivers license, your character identity or your social security identity. You're right when you say, "I thought identity theft only involved my credit cards." Most people say that. But it's true that it involves a whole lot more. I'm sure you're now saying, "I really do need legal help".

Over the last few years you've probably been bombarded with your friends and relatives bugging you about getting a Prepaid Legal Membership. Maybe it's time to reconsider their offer. If you just don't want to do business with them, consider getting a membership from somebody else. Believe me it's worth it. What else will you do? Will you just wait and see if your identity will be breached? Here's what you can do. Just give a Prepaid Legal Associate a call. Believe me identity theft will get worse before it gets better. You can do something now or wait. The choice is yours.

CedReynolds.com
(909) 597-3502


81. Legal help is still needed during the holidays
Christmas is here and believe it or not legal challenges don't stop. Legal help is still needed, especially among small business owners. Small business owners can't afford to rest on their laurels. Unfortunately it's still a day where we need to protect our interests. Business owners who own retail establishments are hoping people don't claim slip and fall incidents. Small business owners who offer services such as janitorial, construction, medical or any other service related business are hoping their clients are not looking for ways to violate their contracts.

It's no coincidence that small businesses go out of business more than big businesses. Big businesses of course have legal protection. Why do you think they get sued and remain in business even after major lawsuits? They function at a level so much higher than small business owners. If Small business owners could learn anything from big businesses is legal help is available right now.

Listen, I'm not meaning to be a downer during the Christmas season. My point is simple. It's simply to inform small business owners attain the legal help they need to function in business without worry and fear. If you'll just take time to Google the legal challenges small business owners, you'll find tons of information that will confirm the need for legal help.

Stay blessed and have a great Christmas and New Year,

Ced Reynolds


82. This just makes plain old sense


If a picture is worth a thousand words, how much is a motion picture worth? You'll want to take a look at the video below to hear and see for yourself what Justice for All really means in America.

Stay blessed,

Ced Reynolds
“David and Goliath” story

If you’re looking for opportunity, don’t miss this online exclusive.



83. A late start is ok...
Sometimes we get off to a late start even though the day started hours ago. What are we to do? Get with it... That's all we can do. Start when you're at your optimal peak for the day. It really is a good thing that I don't have a regular job. Many people have to start at times they aren't optimal. It does them no good and it does their company no good.

I purpose to interact with a lot of business owners. I find that many of them are pressed for time and are often worried about the future of their businesses. What I find kind of funny is that they are this way all the time. Now don't get me wrong, that's all the business owners I connect with. The ones that aren't that way are the ones who have peace of mind because of owning a Prepaid Legal Membership.

Let's face it, business is tough. There are no gurantees of success or gurantees that a business will earn lots of money. On the other side of things rather business is going good or not, problems still occur. Some of these problems require legal assistance and business consultation. Owning a Prepaid Legal Membership can certainly make handling the unexpected a lot easier. Of course Prepaid Legal can't solve all the problems a business owner has but it can be of assistance in the areas of legal and business consultation.

Chances are you can predict many things that will happen in your business tomorrow. But the one thing you can't predict is the unexpected. If you had a Prepaid Legal Membership, the unexpected would be one less thing you would have to worry about

See you next time,

Ced Reynolds


84. Just listen to them and they'll listen to you
It is simply amazing how information comes to me to let you know about what's going on everyday. Today I was dropping my wife off at a doctors appointment. One of the nurses was sitting outside and admiring my car and we started talking. He's the same nurse I've talked to over the years about my business and the service we provide. The interesting thing today is that he was wanting to hear more about my business. As we spoke I talked to him about situations that have happened that I have witnessed at this particular clinic.

By now you know my business is helping families and business owners protect their assets via Prepaid Legal Memberships. As we talked we were able to remember situations that put the clinic in an uncomfortable position with their patients. There were a few times when patients were threatening to sue the hospital and even the nurses involved. My question to him was "what would you do if something unexpected happened to you today?" He had no answer. I asked him "what if you got sued?" He said "I couldn't afford to get an attorney, so I don't know what I would do." I didn't go on to talk more about what I do, I just gave him a DVD that our company provides for inquiring people. It was that simple.

The important thing I learned today was that I don't have to press people to understand what I do or the service I offer. It's in the course of my day that people generally let it be known that they have a challenge in one area or another that I may be able to help them with. Sometimes it's lack of money and sometimes it has to do with some sort of legal challenge they are faced with. I am not surprised like I used to be. People are troubled all around us. There's no need to force our offer on them and try to sell them. It's simply a matter of listening and carrying on a normal conversation. The truth is that serious normal conversations between two people often end in up with both people gaining. Today I gained by feeling like I had a solution that could help him with two challenges he is having in his life. He gained by being receptive to the information I provided to him.

Ced Reynolds
Prepaid Legal Associate


85. What teachers, doctors, pastors, writers & construction workers have in common
It's not the wild wild west but it certainly does seem like it with all the stuff that's going on in our society. Just keep watching the news and you can see that stuff happens in the lives of ordinary people. Teachers, Pastors, Doctors, Constructions Workers, Laborers...You name it, people are in need of legal protection from the unknown more than ever before.

I'm sure you would agree that you never know what to expect each day you're out of your house. Don't get me wrong, we're not going out looking for trouble but the reality of it is that trouble has a way of kicking up it's ugly head from time to time.

Teachers, doctors, pastors, writers, construction workers and the like have the same problems. Not knowing what the unexpected will be is a problem for everybody. All of these professions have an element of being able to disappoint clients. Today a simple "I'm sorry" won't do. People are going for our pocketbooks. What will you do when a loving client comes after you with a lawsuit? Oh yeah, it may not happen but what if it does. What will you do? That's why I get the word out about Prepaid Legal Services. There are quite a number of things that are important in life. Ranking right up there with oxygen is having a Prepaid Legal Membership. Just like in the days before automobile insurance and health insurance, people were strapped with the burden of having to pay full price out of pocket for accidents and medical services. Today legal services range between $200 - $400 where I live. To put an attorney on retainer for just 10 hours would be between $2,000 - $4000. When we look at it from this perspective we can see why it's important to not be without a Prepaid Legal Membership.

This is not a joke. The day we live in is filled with calamity and people who want to take advantage of unsuspecting good natured people. At least with a Prepaid Legal Membership you can sleep at night and go out in the marketplace with peace of mind not having to worry about the unexpected costing you money in gigantic legal fees.

Stay blessed,

Ced Reynolds


86. URS - what does it mean?
There are so many people who are getting ready for Christmas by working a second job or working overtime on the current jobs. The question is why? In reality many people want to avoid looking like they don't have it together. But we know better. If the truth were told, Americans are upside down financially and we go further into debt every Christmas season.

Today I want to switch gears on you. I've talked about Prepaid Legal in most of my blogs. Today I'll be talking about the Prepaid Legal Business Opportunity. Let's be real. People who get second jobs and work overtime are in need of more money. In fact they are most likely in need of money more than just during the Christmas season.

For many years I've been involved with marketing products and services for companies and have done it with a small degree of success. I know how difficult it is to take no for an answer. The business of marketing products and services requires people who have tough skin. That means you can handle rejection. It doesn't mean you like it. It simply means that you don't take rejection personally.

Three Keys to succeed with your business opportunity

1. Find a product or service you will use and you know you'll be using for the rest of you life.

2. In your day to day activities, purposefully look to recommend the product or service to others.

3. Look to sponsor people who desire to use and recommend your product or service.

USE

RECOMMEND

SPONSOR

That's it! Just use, recommend and sponsor others. That's the key to making a business succeed. This is a formula specifically for network marketers. Network Marketing is a business that offers time freedom and financial freedom. The key is working it right. Doing it any other way will prove to be difficult to duplicate. It's duplication, that's the key in Network Marketing.

As I close, I want to challenge you to seek out a good business that you will use their products, recommend them to others and sponsor those who will use them, reocmmend them and sponsor others... Can you see the power of the duplication potential?

Ced Reynolds


87. She said it all - it totally surprised me
I was in a networking meeting today and I was pleasantly surprised that one of the networkers gave Prepaid Legal Services a shameless plug. It was totally unsolicited. Our networking friend just shared a testimony of how valuable her membership was and she wouldn't be caught without it. Several years ago she was looking to purhase a home and the lender said they couldn't lend her the money for some odd reason. She contacted her attorney to see what legal right the lender had and lo and behold within 24 hours the lender changed their position and loaned her the money she needed to buy her home.

Our networking friend went on to do better than I ever would have attempted at a networking meeting. She challenged everybody in the meeting who had a membership to never let it go and those who didn't have a membership to get one asap. Like I said I wouldn'nt have dared share such a thing on my own accord in a networking meeting, especially since I'm the leader.

For those of you who read this blog periodically, I would encourage you to continue to investigate Prepaid Legal Services. I'm certain that you will discover it's the real deal and that you can't go wrong by having your very own membership. In fact you will be doing yourself a favor that you will never regret.

Until next time,

Ced Reynolds AddThis Feed Button


88. What about the middle class?
What will you do when your next unexpected life event occurs? I know somehow you'll find a way to make it through. Like most people you'll probably call on your family and/or your closest friends. But what if it's a legal challenge? Will you have the money for an attorney if you need one? Today they cost from $200-$400 an hour where I live in Southern California. That's if you want a good attorney. Are you ready for that?

Have you ever thought about why there are so many judge shows on the air today? What about the law and justice and crime and investigation shows that come on every evening? Something's up in our nation that's causing people to become sue happy and wanting to cash in on taking people to court. Of course most of us don't think that way. The problem is not us but the small minority of people who want something for nothing. It's the people who want something for nothing that you and I have to be concerned about. They are the ones taking people to court with fake claims.

Do you know why the rich keep attorney's on retainer? It's simply to protect their assets and for things that happen unexpectantly. Sure they have the money to hire an attorney on the spot. The rich realize that having an attorney on retainer is better because time is money. The sooner they can put out legal fires, the better. The question is could you put out a legal fire in a hurry if you absolutely had to? What I mean is would you have the time to research a law firm and hire an attorney in fast order? If you're like most people you probably would have to look at your bank account first. That's the difference from the rich and the middle class and the poor. Even the poor can get free legal consultation because of their lack of income. The middle class have been fooled to think we're ok. Not so. We have the same problems the rich and the poor have. But riches aren't ours and government assistance is not available to us.

What do the middle class do? Plain and simple, get a Prepaid Legal Membership. Why not have a low cost monthly membership that protects your assets and keeps you from frivilous law suits. Prepaid Legal Services has been around for over 35 years and nearly 98% of North America has no clue what they offer. It is by far the best kept secret that's needed by every middle class person in the United States and Canada. It's at least worth investigating. Even you can afford that. It's absolutely free.

Stay in the game,

Ced Reynolds


89. A good thing gone bad
There's nothing like a good plan gone bad. All the work we do to make sure everything works out right is tough to swallow when all of a sudden a wrench gets stuck in our spokes. Perhaps you've been there. Perhaps you've experienced what it is to see all of your hard work go up in smoke.

For those of you who have had the opportunity to follow my blog, you know why I advocate having a Prepaid Legal Membership. I know we can't plan for everything but we can get as prepared as we can. In fact I believe it's our duty to do whatever we can to be as prepared for the uncertain as we can. Tell where you can find another membership that has such great value and prepares you for the surprises of life as a Prepaid Legal Membership.

Here's a story I think will give you a better appreciation for Prepaid Legal Membership. We'll call this woman Sonya. Sonya was looking to lease an apartment and she put down a good faith depoist to hold the apartment. The manager had mentioned that there was a slight chance that the person living in the apartment she was hoping to rent would renew their lease. Lo and behold the person did decide to renew their lease. So Sonya immediately assumed she would receive her deposit back. Not so. The apartment manager said the the deposit was non-refundable. Sonya didn't bother to argue with the woman because she remembered she had a Prepaid Legal Membership Sonya called her provider attorney and the provider attorney contacted the apartment manager and let them know the law on the matter. You guessed it. Sonya got her deposit back within a week. Just think, if Sonya didn't have a There's nothing like a good plan gone bad. All the work we do to make sure everything works out right is tough to swallow when all of a sudden a wrench gets stuck in our spokes. Perhaps you've been there. Perhaps you've experienced what it is to see all of your hard work go up in smoke.

For those of you who have had the opportunity to follow my blog, you know why I advocate having a Prepaid Legal Membership. I know we can't plan for everything but we can get as prepared as we can. In fact I believe it's our duty to do whatever we can to be as prepared for the uncertain as we can. Tell where you can find another membership that has such great value and prepares you for the surprises of life as a Prepaid Legal Membership.

Here's a story I think will give you a better appreciation for Prepaid Legal Membership. We'll call this woman Sonya. Sonya was looking to lease an apartment and she put down a good faith depoist to hold the apartment. The manager had mentioned that there was a slight chance that the person living in the apartment she was hoping to rent would renew their lease. Lo and behold the person did decide to renew their lease. So Sonya immediately assumed she would receive her deposit back. Not so. The apartment manager said the the deposit was non-refundable. Sonya didn't bother to argue with the woman because she remembered she had a Prepaid Legal Membership. Just think if Sonya didn't have the membership. She wouldn't have had a leg to stand on. But thanks to having an attorney represent her, Sonya had her rights protected and she got her hard back.

That's the power of a There's nothing like a good plan gone bad. All the work we do to make sure everything works out right is tough to swallow when all of a sudden a wrench gets stuck in our spokes. Perhaps you've been there. Perhaps you've experienced what it is to see all of your hard work go up in smoke.

For those of you who have had the opportunity to follow my blog, you know why I advocate having a Prepaid Legal Membership. I know we can't plan for everything but we can get as prepared as we can. In fact I believe it's our duty to do whatever we can to be as prepared for the uncertain as we can. Tell where you can find another membership that has such great value and prepares you for the surprises of life as a Prepaid Legal Membership.

Here's a story I think will give you a better appreciation for Prepaid Legal Membership. We'll call this woman Sonya. Sonya was looking to lease an apartment and she put down a good faith depoist to hold the apartment. The manager had mentioned that there was a slight chance that the person living in the apartment she was hoping to rent would renew their lease. Lo and behold the person did decide to renew their lease. So Sonya immediately assumed she would receive her deposit back. Not so. The apartment manager said the the deposit was non-refundable. Sonya didn't bother to argue with the woman because she remembered she had a Prepaid Legal Membership. That's the power of a Prepaid legal Membership.

Stay in the game,

Ced Reynolds


90. Business owners get sued more than you think


Have you ever thought about what would happen to you if you got sued by a client? You might be saying that will never happen to me. I treat my clients fair and they just wouldn't do that. I'm not saying that you don't treat your clients with kid gloves. The challenge is when things happen to them regarding the products and services you and I offer to them, money and emotions seem to take over where professionalism and friendship end.

We have to remember our clients are human as well. Their first impulse is to protect themselves. That might mean protecting themselves against us and/or our products or services in the form of a law suit. Most of the time we never see it coming.

Believe it or not things can happen in a business among ex-partners that you wouldn't imagine. Just the other day a friend of mine told me his ex-partner went to the bank and withdrew $55,000 in the form of a cashiers check. The tellers just assumed the ex-partner was still part of the business. The ex-partner was definitely wrong but the bank was wrong to release the funds because a certain clause in their banking arrangement. What do you supposed my friend did? Right! He immediately called his attorney. Now he has a business that has an attorney on retainer. But what would you have done. Could you have called your attorney?

What's a business owner to do? Well I can't tell you what to do but I can suggest that you take a closer look at a Business Legal Plan. From Prepaid Legal Services. You and I really can't afford to get caught unprepared. In the event of a law suit we can be ready. It's sad to say but we need to take whatever necessary measures to protect our businesses. Getting sued and hoping things work out is not an option.

Stay blessed,

Ced Reynolds


91. What if you fit their profile?
Yet another day of great stories about Prepaid Legal. Just this morning I heard a fascinating story from a gentleman who was racially profiled. Because of his membership with Prepaid Legal Services he was able to contact an attorney right on the spot as the police office pulled him over. In fact he put the police officer on the telephone with his attorney.

Here's what happened. The gentleman who was pulled over by the police was helping a friend move to another home and across the street a robbery had taken place at a store. The police offiicer pulled him over because he fit the "description." All this time Danny (the gentleman) had no clue that the store was robbed yet alone somebody who apparently looked like him was even in the area.

The good part of the whole story was Danny didn't have to fear anything because he knew he had access to an attorney. At one point one of the officers was talking to Danny while the other officer was talking to the attorney. The officer talking with Danny had no idea his partner was talking with an attorney. You know the rest of the story. The officers let Danny go because of what the attorney told them over the phone. Can you see the difference if Danny wouldn't have had a Prepaid Legal Membership. You may say that doesn't happen all the time. Well you're probably right. But I would much rather have a membership that protected my rights because of having access to an attorney. Here again is more evidence of Prepaid Legal being a membership that every middle class person should have.

Stay blessed,

Ced Reynolds


92. We see something like this everyday
Everyday there's something I could talk about that happens in the lives of one of our members or friends of mine. From a lawyer's perspective it's not hard to believe some legal challenge will happen in most people's lives at some juncture.

Just yesterday I was taking my computer to get serviced and the business owner aske me what I did for a living and I let him know I was involved with identity theft and legal services. It didn't surprise me that he had additional questions. It happens all the time. As we talked he wanted more information and I gave it to him. But here's the big deal. A friend of his had signe a lease without the counsel of an attorney. And you know the rest of the story. Now a year later his friend is stuck in a lease he wants to get out of. Here's where I was surprised. He called his friend and put me on the phone with him. Lo and behold he's looking for an attorney. Of course I'm not an attorney. But I know what he's in for. He's in for paying $200-$400 and hour just to get some consultation and get a few questions answered. I was able to let him know that with a Business Legal Plan from Prepaid Legal Services he could pay on $75.00 per month and have access to phone consultation, documents and contracts reviewed and get questions answered about his business as part of the membership.

My purpose for sharing this of course is to make it plain that having a legal plan, espeically for business owners is no longer just for the rich. Business owners like you and me need to proctect ourselves much more today than ever. People have a tendency to think that just because we are business owners, we have "deep pockets." We can't stop the way they think but with a good legal plan we can be ready for any legal challenge that might come up. Are you ready???

Ced Reynolds


93. She almost went bankrupt...thanks Prepaid Legal
Just today I was on a conference call and heard a business owner who was so glad to get out of her brick and mortar business because of the law suits. Don't get me wrong, she enjoyed her business, she provided a good quality product and she made a lot of money.

Here's what put her over the edge. A former employee came back one day and let her know that he was going to sue her for everything she had. She had no clue what to do. Many of her friends said, just give the guy a check and get rid of him. She knew that wasn't the answer. The thing she thought to do was get an attorney. Boy was she in for a rude awakening. Attorney's cost between $200-$400 dollars per hour. What would you have done? Probably the same thing.

Here's the good news. A good friend of hers, in fact her business partner told her about Prepaid Legal Services. Long story short, she called and got a business owners legal plan and a family legal plan and was able to contact an attorney and they took it from there. Can you imagine have pre-trial and trial hours already built in to a legal plan? Well that's what this woman had. The neat thing about it was she didn't have to use not one pre-trial or trial hour. All it took was a couple of phone calls and a couple of letters from her attorney to the former employee's attorney and they settled law suit was dismissed. When they got down to the bottom line all the employee wanted was his last paycheck. It had been sent to his home but it got lost in the mail. Believe it or not the check showed up at a neighbors home during this fiasco. Owning a Prepaid Legal Membership gave this business owner peace of mind. It can give you peace of mind also.

Stay blessed,

Ced Reynolds


94. We're back at it...are you ready?


Hope the weekend was good for you. We're back at it. Back in the daily grind. Have you been thinking about handling the unexpected? You know how a true leader is determined to be a true leader? It's by how they respond to the unexpected. You see, when things happen, it's leaders who respond and extend hope that everything is going to work out right.
When it comes to your own life, you've got to be the leader. You certainly know the times when you had to respond to the unexpected and you had no other choice than to believe that things were going to work out. The same is true when a legal challenge comes up. The difference today is that we can be more preventative regarding the unexpected. No longer do legal challenge have to get the best of us. We can prepay for legal services just like we prepay for medical and auto insurance. The great thing about it is we can pay just a fraction of the cost for a service that can literally save us our estate. Legal challenges can literally wipe a family out financially. Even with insurances taking care of what they take care of, a law suit on top of a medical or auto accident can be so financially taxing it's unbelievable.

Are you prepared for being back at it this week? The least you could do is investigate how you can prepare yourself to be protected.

Ced Reynolds


95. Let's be careful out there
I'm off to the office in a minute or so but I thought I would take a moment to remind you to be safe this weekend. Here in Southern California we have rain and a lot of it. Let's pay close attention to our fellow drivers out there.

This is just a reminder to be safe and let you know I'm praying for you.

Ced Reynolds


96. If we could dictate life events...
Wouldn't it be great to dictate the time and place where life events would take place? 'We all wish that was possible. Unexpected life events just seems to happen all around us but what can we do about it? We have a few choices. We can just hope and pray that nothing happens to drastically to us. We can just play the wait and see game. If we want to give ourselves more of a fighting chance, we can prepare ourselves with the proper protection that insurances provide. Now the thing about insurance is that there are so many. Where do we start? We hear people talk about life insurance, health insurance, home owners insurance, renters insurance, automobile insurance, liability insurance, disability insurance, long term care insurance... You name it there is an insuranc to cover it.

The truth of the matter if you really delve into the serious incidents that occur in life, is that there is most often the need for an attorney. But is there a legal insurance? What kind of attorney will be needed? Wouldn't it be expensive to hire an attorney? A person's head could spin 100 miles an hour worrying about how to deal with legal matters, especially if they don't have a particular insurance that would suppose to protect them. Even when people have all the right insurances they still find themselves having to hire an expert attorney. That's what the rich do. You probably are getting my drift by now. If we are to survive the life events that occur unexpectantly, we have to find a weay to function like the rich. But wait a minute you say. I don't have the money like rich people have to afford an attorney. Of course you can see this coming, I have an answer for you! Prepaid Legal has been around since 1972 and has made it possible for the average wage earner to protect themselves with a Prepaid Legal Plan.

Little did I realize how passionate I would become regarding Prepaid Legal Services. This company has brought such peace of mind to me that I've gone on a crusade to let everybody I know about it. Please don't get me wrong. This company is not an idol at all by any means. The truth is it's a service I believe every responsible adult should have. There is nothing like peace of mind when you know that you can't be taken advantage of because you can't afford an attorney. This thing is real. That's why I write about it so much.

Stay blessed,

Ced Reynolds Prepaid Legal


97. Life has got me thinking - What about you?
When I first heard the term "doing whatever it takes", I didn't think it would really be doing some of thei things I do today to make the best life possible for my family. Now don't get me wrong, all the the things I do are moral and ethical. I have seen so many people who say they will "do whatever it takes", but rarely have I seen somebody who actually did it.

In my case, I have gotten pretty serious about making sure that my family is protected from uncertain life events by getting life insurance and a prepaid legal plan. As I've been thinking, it's really unselfish to leave my family unprotected. All this started coming to me after I joined the ranks of the life insurance agents in California. My thoughts have become so much different. It's amazing how life's truths have a way of helping you to see things more clearly.

If you're like most people in America, you don't have adequate insurance or a prepaid legal plan for that matter. These are necessities that most of us try to ignore as long as we can. For a long time I never even gave a serious care about life insurance or a prepaid legal plan. Why would I anyway? The reason has become so clear to me today since we live in such a litigious society filled with so much uncertainty. There has never been a time in my life where I've sensed the need to be prepared for uncertainties. It only makes sense because products like life insurance and prepaid legal plans wouldn't exist if they weren't consistently helping people. When you look at the rich in America you'll notice most of them have life insurance to protect their estates and an attorney on retainer. We may not have as much to lose as the rich do but whatever we have is ours and we should protect it.

What are you doing about your life events protection plans?

Ced Reynolds


98. From a pastor's perspective
There are many things a pastor considers about his leadership and the workers in a congregation. Of the things that are probably considered the least is the liability each individual adds. What I mean is when children come in for instance to a classroom, any incorrect actions by a teacher could make a church liable. This really is as big deal, especially for congregations that have smaller incomes. Of course insurance covers the pastor for malpractice but what about the other leaders and workers? It's something to consider.

There is actually a way that I have considered to limit our church's liability. Recently I have re-discovered Prepaid Legal. It's an organization that educates average people who can't afford legal assistance about how they can protect themselves in times of uncertainty. This legal service provides unlimited phone consultation, document and contract review, phone calls and letters written on your behalf to concerned parties as well as will preparation. For a small monthly membership fee a person could have these services and much more. In the case of a church worker, wouldn't it be to the benefit of the church to pay for a prepaid legal plan that would in actuality keep the church protected as well as the individual workers.

I often think that small churches as well as big ones could be wiped out because of one lawsuit. It really doesn't have to be that way, especially when there is a solution as inexpensive as a Prepaid Legal Services. I would encourage any pastor or church worker to investigate Prepaid Legal Services if nothing else but to find out what it is and why they need it.

Stay blessed,

Ced Reynolds

Keywords: legal help Business Legal Plans Prepaid Legal Membership


99. Have a safe Thanksgiving - be prepared for holiday life events
Happy Thanksgiving!!!

Today is a day where many people in the US will be giving thanks to God for the wonderful things He has done. Will you do the same? Even though today is a holiday, please remember that stuff still happens. Things that you would never imagine happen on any given day, even Thanksgiving.

Over the next few weeks we'll be experiencing the pleasure of the holidays and the pressure of the holidays. Wouldn't it be awesome to take a load off by having certain things in place? I'm talking about things that would prevent legal concerns. Believe it or not problems don't take off for holidays. The roads are busier than ever during the holidays. People are up and about more than normal and things that we would never consider happen to people we wouldn't have considered would face an issue. What I'm saying is you and I don't have to be people who are caught unaware. I know it's the holiday season and we're supposed to be thinking positively. Reality gets me to realize that just positive thinking doesn't do it. It takes preparation. Preparation in all areas of our lives.

I write to make people all over the world who are concerned about the unknown aware of what they can do to be ready when things come up. And believe me they will. As I close today, let me remind you that owning insurance is one way of protecting ourselves against unforeseen circumstances. Another way is having a legal plan for things that may pop up. I'm sure you would agree with me that it's much better to be ready than not to be ready.

Look at your life and ask yourself, am I ready?

Stay blessed,

Ced Reynolds


100. When legal challenges come up
Have you ever bought a home and discovered that things weren't perfect. I know you're probably saying "nobody expects a home to be perfect especially if it's not a brand new home." The reason I'm mentioning this today is because everytime we watch the news these days, we see and hear stories where people are experiencing trouble.

One would never think that they would have legal challenges because of mold or asbestos in their newly acquired home. But the reality is that homes have been sold to people with these kinds of problems and more.

What's a person to do? They've just invested their lives savings in a lot of cases and don't have the money to put an expensive attorney on retainer. I feel so sorry for these people. They've done nothing wrong yet they are having to pay for somebody else's neglect.

It's no wonder it's been said that we live in the most litigious society in the history of the United States. Again the questions is what's a person to do? Getting legal help is the obvious answer but the biggest problem is not being prepared to employ the services of an attorney. That's why I'm so thankful for my Prepaid Legal membership. If something like this were to happen to me or any member of Prepaid Legal, we would be able to contact an attorney without the fear of having to pay anything because the monthly membership covers phone consultation and if were necessary to go to court, it would cover that too.

This is truly a day when the average person who doesn't think they can afford and attorney or doesn't think they'll every need an attorney needs one like never before. The great thing about it is the privileges of the rich have been made available to the middle class. The poor are not so bad off because the government will offer them assistance. It's us middle class people who get a bum rap.

No more do we have to settle for not being prepared or not being able to afford legal consultation. Having a Prepaid Legal Plan is very similar to having medical insurance or automobile insurance. The big difference is that we don't have to have a medical emergency or an accident to use it. It's available to preventative concerns like a HMO plan. It sure is a relief to know that I have access to justice when I need it and not if I can afford it.

It certainly is a new day and the middle class will have to make a shift in their thinking and get on board with what's becoming available to us. There are other companies who are understanding that they have a segment of people who need help in a big way. That's why I gladly recommend the Prepaid Legal Life Events Plan to people everyday.

Stay blessed,

Ced Reynolds


101. Are you ready to get serious?
What will it take for homebased business owners to take our businesses more seriously? Often in the past I have just thought of and treated my homebased business as a hobby. It's only been something that I played around with becauase it made me "feel good." The fact of the matter was that I just clearly didn't understand what I had.

Are you in business for yourself working from home? If you are or you have a brick and mortar business, it's imperative that you and I take our businesses serious every everyday. We have to remember the reason we started doing what we do. For some reason we initially sought out or we were recruited to an opportunity that just got us excited to get going. The question is what are we going to do now?

I know for me I am so passionate about what I offer that I just can't contain myself. Right now I'm on a "comunication blitz" contacting suspects, prospects and my existing clients. Without giving you the sense that I'm going over the top or being overly emotional, I'm just hoping I can encourage you to get on fire about what you do and the product or service you offer. This is the season to get up and get going. It's time to talk to people and talk to more people. It's time to push the envelope and make your dreams become reality.

If you can sense my passion, it's probably because you have a similar passion. Will you join me letting the business owners you come in contact with know that there's a place for them. The Small Biz Prayer Network is a place for business owners to receive prayer, encouragement and network with others of like faith. Will you get on board with me spreading the word that our network exists to see prosperity come to small business owners. This is more than just another networking group. This is more than just a prayer group. This is a group that "will" see God use Christian business owners in a capacity like no other time. Christian business owners in my opinion are God's endtime evangelists. Everyday business owners are influencing their employees, their vendors, their customers and prospects. What a great opportunity to not only provide your wonderful products and services. This is a day where beyond earning more money than we ever have before, it's more important for us as business owners to come to the realization that our purpose is much more than that.

I'm not here to tell you your purpose but I can guarantee you that it's certainly more than earning more money to acquire more stuff. I hope you've discovered it because the more business owners who are pursuing their God ordained purpose, the greater effect we'll have in the world.

I've got more to say but I'll save it for later.

Stay blessed,

Ced Reynolds


102. What will we do?
Something significant happens and you don't know what to do. How many times has this happened in our lives and we were caught off guard? Most often have a legal matter that is the big concern. What about you?

These days I am not amazed about the things that happen. People just seem to be sue happy. Just look around. TV is filled with judge shows, commercials for attorneys and show that talk about the law. it's morning noon and night that we're bombarded with legal mumbo jumbo.

What will we do, just sit around and wait for things to change? Chances are they won't. We have to do something. The question is what will it be?

Ced Reynolds

Click here for an answer


103. Something I've learned marketing online
I've just discovered something that I think is worth sharing. There are many who have learned to market online with a sense of decorum that I am honored to be apart on the online marketing scene. Although we don't all respond to each other's marketing pieces all the time, it's good to know that long time marketers who keep a constant message will be available to help in the time of need.

One of the ways I have been able to get my legal business in front of people is sending them to my blog. It's been a great way to let people see I'm a real person who's concerned with their needs.

I sincerely believe online marketing is and will continue to pay off for those who stay the course. There are several of us here online who have actually made money consistently and are really willing to share how we've done it with those who really want to know.

Here's another key. When we market, we realize not everybody will need our product or service today, so we communicate in such a way that lets people know we're here to help them and their friends and family. Because we believe in our product offering we extend our offer to and through those who receive our communication. Let me give you an example. I communicate with financial service professionals. One of my goals is to help them see the value of adding our product to their portfolio. If they don't see the value or it's not the right time, my second goal is to get them to see the value at least allowing me to make their clients aware of our offering. You would be surprised how often a referral turns into getting a financial planner to become an associate with our company.

To sum things up, marketing online still takes building relationships via the telephone or in person. The online component is just merely a tool in the hands of a person who uses it wisely or unwisely.

Stay in the game,

Pastor Ced


104. My perspective
Ministers/Business Owners Click Here

As a pastor and business owner, I need to be available to minister to my congregation and serve my clients, not putting out small fires all day long.

Like when a heckler visits our church complains that I purposely singled him out in my message and as he leaves, says he will see me in court. I have to make an trip to court to defend myself which costs several hundred dollars and only God knows how much time.

Or the speeding ticket my college age son gets for going 62 m.p.h. in a 50 m.p.h. zone. The fine it not the big issue, but I need to do something to keep the points off his record or else our insurance rate will go through the roof.

Then I get a call from one of my "good" neighbors - you know, the neighbor who says hello every morning so cheerfully you can't ever be down. She complains to me because some kids threw a rock at my office window and the shattered glass ruined her car's paint job.

Another neighbor sends me two invoices for reimbursement. One because he had to call a plumber on a weekend when water from our grass flooded her plants. And the second because she paid a landscaper to plant fresh plants in her yard. We're both tenants in the same complex but the landlord failed to respond to a water leak I had reported two days prior.

You know how the story goes...

In the past, a whole day would have been wasted putting out one fire after another.

Now, I do things differently. I pick up the phone and call my Pre-paid Legal Provider Attorney.

If I ever have a heckler threatening to take me to court, I'll call my attorney and let her contact the heckler and get him to understand that something said by a pastor from the pulpit as an illustration is not a criminal offense, especially when the complaining party is unknown by the pastor.

When my son gets a speeding ticket, my Pre-paid Legal Provider Attorney goes to court for him. We still pay the fine, but at least we keep the points off his license.

When my office window(in a leased apartment) shatters glass on a neighbors car, I instruct my Pre-paid Legal Provider Attorney to write a letter to the apartment owners and demand reimbursement for the broken window and the repair costs of my neighbors car.

As for the two invoices, I'll get my Pre-paid Legal Provider Attorney again write a letter to the apartment owners and demand reimbursement for plumber's charges and the landscaper's charges.

The greatest thing about all this is that I can handle these problems from my office with a phone call and a fax machine.

Here's how it works.

Members of Pre-paid Legal call their designated law firm and tell them what their "issue" is, such as a sue happy heckler, complaining neighbors, or a traffic ticket. Then they get a call back from a attorney who knows how to deal with that particular type of problem.

In most states, members can consult with their Pre-paid Legal law firm by phone on any personal or business-related matter.

And they can have an unlimited number of personal legal documents (up to 10 pages each) reviewed by their Pre-paid Attorney.

Included each year is one business document review at no additional cost.

Even if you've never used an attorney, this is a service you want to have like you have pre-paid medical insurance and pre-paid automobile insurance. The big difference is that you can use your legal plan to be proactive to take care of important things like a will and a living will. This is free as part of your plan.

For special services that are not covered by the basic membership, members get a significant discount of 25% off normal legal fees.

In most states, pastors who also own businesses can get additional coverage for their businesses, either as a Home-based business rider or a Legal Plan for the Self-Employed. If your church or business has three employees or more, you can even offer a Pre-paild Legal plan as an employee benefit.

We live and do business in the most litigious country in the world. Did you know the average American is three times more likely to end up in court than to land in the hospital (according to the American Bar Association)?

I would venture to say that pastors who are business owners are at much higher risk than the average American. We're with troubled people, write contracts and we own property. Three great big sources of lawsuits right there. All it takes to wipe out your ministry your business and your life savings is one lawsuit.

Why would you wait to get an attorney until you need one (i.e., until you get sued)?

For more info click here


105. Take someone's advice or see for yourself
There's nothing like experiencing things for yourself. Chances are when we experience things for ourselves we have a tendency to get the point. When it comes to legal challenges we would probably be better off taking the advice of a person who's been there and done that. I know it's not that easy for us adults to just take somebody's else's word but in times like experiences which involvechallenges with the law we have to be careful. But on the other side of things we have to consider what else we don't know that could get us in trouble.

Legal intelligence isn't expected to be our expertise especially if we aren't lawyers. Even lawyers get the expert legal assistance when they need it.

Stay in the game,

Ced Reynolds


106. When I heard about this...
Moving violations happen to us all. But have you ever worried what the outcome of getting a traffic ticket would have on your automobile insurance? Prepaid Legal can help answer your problems. Click on the Prepaid legal link above.

Stay blessed,

Ced Reynolds


107. Where to get legal help
We live in Southern California and we’ve found ourselves being taken advantage of on more than one occasion. Getting affordable legal help was a challenge until we learned how to utilize the proper legal forms.

What we found was that every seemingly legal situation doesn’t require hiring a lawyer. All it sometimes takes is a phone call and being pointed in the right direction. One thing we’ve discovered is being prepared is extremely important. One of the most absolutely worse things that can happen to any family is to be ill prepared for a legal challenge. The least one could do is get a little educated about how to approach a any legal challenge.

Since the inception of the internet there is no excuse not to know anything we want to know. How and where to get legal help is one of those things we should want to know before hand because not knowing could literally cost us everything.

More to come,

Ced Reynolds

Copyright © 2007 Sohomatic.com.


Feeds for The SOHO Quest [Online Reviews & Resources for Small Office + Home Office ]

1. Freelance writing jobs » The Ruggedized Laptop Computer Value Proposition
Good news for those who work and travel with computers.

Freelance writing jobs » The Ruggedized Laptop Computer Value Proposition

This includes free lancers and telecommuters.


2. Tips for Business Success in Today's Tough Market Place
By Storm Castle

Does your company do business to business prospecting? Have you ever considered using an outbound telemarketing company? If you are wondering if your business will be able to endure the current economic troubles, this article is exactly what you need to read. There are six tips that can help your business find success even in a bad economy.

The following six tips are ways your company can not only survive, but thrive during tough economic times. Increasing your marketing budget, using the power of leverage, focusing your efforts where they will be most effective, properly training your employees, providing excellent customer service and keeping a positive attitude are all ways to keep your business profitable in difficult economic times.

The first way for increasing profits during a recession may sound backwards, but increasing the amount of money you spend on marketing your business instead of reducing it is one thing that can help your business make a profit during a recession. Countless businesses make the mistake of considering their marketing an expense instead of an investment and wind up destroying their businesses by cutting back in this area.

The second tip is to use the power of leverage by hiring a business to business prospecting company to do outbound telemarketing for your business. This helps your team use their time more wisely.

The next tip is to focus your efforts where they will be most effective, which is spending time closing sales. When the telemarketing programs do their job effectively your team can spend the majority of their time making sales which means increased profits for you.

The fourth tip involves properly training your employees to work with the highly qualified leads they receive from these lead generation companies. Proper training will help them make the most of these leads and sales will go through the roof regardless of what is happening in the economy.

The fifth tip for business success in tough economic times is to provide excellent customer service. Getting repeat business is much more cost effective and profitable than having to constantly prospect for new business so it is vital to keep your current customers happy.

The sixth and final tip for business success in tough economic times is keeping a positive attitude. People have a tendency to create the exact amount of success they believe they will and your positive attitude will be reflected in your employees' attitudes and achievements as well as your own.

Implementing the six ways listed above can help your business to increase profits during a recession. Business to business prospecting is one area to concentrate your marketing efforts in since this will make four of the six ways happen. Then all you have to worry about are the last two ways including treating your clients to outstanding service and maintaining an optimistic outlook.

About the Author:



3. 4/15 Yahoo! News: Work from Home
Yahoo! News Search Results for "work at home" Feed My Inbox

Career Step Partners with HCIT Solutions to Provide Training in Jamaica (PRWeb via Yahoo! News)
April 15, 2009 at 3:01 am

Career Step has recently partnered with HCIT Solutions to help develop the Jamaican medical transcription field within the growing global healthcare industry.

Favors-n-Gifts.com Responds To Demand For Personalized Party Favors (PRWeb via Yahoo! News)
April 15, 2009 at 3:01 am

Favors-n-Gifts.com caters to the high demand for personalized party favors with different customization options and lower prices.

Freelance writing jobs grew 500% in past year, according to oDesk (PRWeb via Yahoo! News)
April 15, 2009 at 3:01 am

oDesk oConomy reports that freelance writing jobs, including technical writing, business writing, blog and article writing, editing, and translation services are all part of the growing demand for online jobs found on oDesk.





4. Secret Exposed: How the Google Search Engine Really Works
By Henry Zeng

While we don't often think about - or even care - how the Google search engine works, it is very important for an online marketer who is using search engine optimization, or natural search marketing for their online business to understand the basic principles that drive Google.

There are three main parts to Google: Googlebot, The Indexer, and the Query Processor. Each of these three parts is crucial to online businesses, believe it or not. Let's take a deep look at each of these Google elements to see how they work.

Googlebot is the search engine spider that comes to your website and spiders your pages. It isn't an actual spider, of course.

It actually works more like a web browser by calling a server and requesting pages, and downloading them - just as you do when you open your browser, type in an URI, and then the web page loads.

Googlebot, however, is run by big number of computers and performs this task much faster than one user could on their home or work personal computer. And Googlebot doesn't know if a website exists until a URL is put into their Add URL form, or until they find a link point to that site on another web page.

When Googlebot comes to a page, they take all the links from that page, and put them in a queue for crawling, and repeat this process over and over again. Once Googlebot has found a link, and downloaded the page, it hands that page off to the Indexer.

The Indexer stores the pages in Google's Index Data base. The Index then sorts all of the pages in its data base, alphabetically, by looking at all of the keywords on the pages. The Indexer does not pay any attention to what Google calls stop words, such as is, on, or, why, how, etc. It just pays attention to more important keyword type words.

The Indexer, after Indexing pages, waits for the Google Query Processor to ask it for a list of documents. A keyword is given to the Query Processor, which in turn asks the Indexer for a list of stored websites contain that keyword.

The Indexer then supplies the Query processor with a list of the documents, and the Query processor presents the documents to the user who requested the keyphrase.

You see, each element is important to the others. It all starts with the Googlebot finding your web page link on another site, or by you going to Google and using the Add form to submit your site.

About the Author:



5. Google Voice Application will soon arrive in iPhone and iPod Touch
By Haven Frbiz

GrandCentral Phone Service as a voice of the recycled products, Google introduced at the beginning of Google Voice Services, which provides integrated voice telephone service, including all the features of GrandCentral (useful for SOHOs).

In addition, Google will also provide a voice mail features automatic text copying, as well as send and receive text messages, Google voice communications will also be recorded with the Gmail integration implementation. Users can make free calls to any number in the United States.

Like Gizmodo, according to reports, Google Voice will soon appear in the form of application at the iPhone and iPod Touch. The application will include a dial-up, and it can be set aside (from Google Voice your number), and the iPhone will make its own bilateral linking.

It can also dial-up and cell phone, and contact list to work, while sending SMS. Google Voice also includes standard features such as phone logs, voice mail and so on.

The latest model stars Netbook - X-Slim and really drive map Wind U123 has just emerged, both CULV notebook using Intel's ultra-low voltage processor, running Windows Vista Home Premium system, only 0.7 inches thick, 2.8 pounds, is the MSI Dell used to combat the Adamo's flagship product, version with high prices also reached a level of more than 1000 U.S. dollars, the minimum should have 700 U.S. dollars, this series of products will also have 11.6, 14 and 15.6-inch version, let us Figure it together!

GIGABYTE is expected at the end of the second quarter with the cottage Internet Protocol of the Company products will be delivered, and the deal will allow Gigabyte notebook sales doubled compared to 3 last year! Last year, the Gigabyte notebook sales are only 15 million units, while in 2009 this figure grew to around 50 million units.

About the Author:



6. 4/10 Yahoo! News: Home Biz SEO
Yahoo! News Search Results for "work at home" Feed My Inbox

Get #1 Rankings On Google with 10-Step Laser-Targeted Search Engine Optimization Tutorial (PRWeb via Yahoo! News)
April 10, 2009 at 3:01 am

Since 2006, Matthew Bredel has built a successful online, home based business that's growth has depended largely on page 1 Google rankings and other SEO organic traffic. The SEO Exciter Series outlines many of his personal strategies in getting top search engine rankings for some of today's most competitive search engine keywords.





7. 4/9 Yahoo! News: Technology and Telecommuting
Yahoo! News Search Results for "work at home" Feed My Inbox

For Businesses to Grow in a Fledgling Economy, Turn to Technology and Telecommuting, Says E-Geniuses (PRWeb via Yahoo! News)
April 9, 2009 at 3:05 am

Leading L.A.-based computer repair service company E-Geniuses illustrates how businesses can utilize technology and telecommuting to not only survive the economic crisis but to grow in a down market.

New Google Alerts Third-Party Add-On Boosts Marketing Intelligence Access for Small Businesses, Busy Pros (PRWeb via Yahoo! News)
April 9, 2009 at 3:01 am

Developed by Adam Green, 'Mr. Google Alerts', AlertRank makes it easier to track, sort, rank and analyze Google-indexed news, blog postings and social media alerts




8. Adelaide Small Business Need SEO
By Dr S Ausman

There are no secrets on how to rank high with the major search engines because effective search engine optimizations are now immense. What is search engine optimization? Before we discuss that thing, you have to understand first how search engines work and a bit of know-how.

Search engines are into providing their users with the most relevant and up-to-date information to match the search term that was used. They are sophisticated pieces of technology which allow users to quickly find relevant websites by searching for a word or a phrase. Search engine results are useless to users if the information doesn't relate to the search term, or if the results are old. People expect the most up-to-date and fresh information that is useful to them.

Updating your website everyday and adding some materials will help you get noticed by the search engines. So, if you are going to sell any type of product or service online, you have to optimize your website for the search engines, in order to boost traffic and sales. It is because over 90% of your business will likely come directly from search engine results. And for that reason, it is absolutely important to optimize your site for search engines for you to have the greatest deals in the entire world.

Search engine optimization (SEO) is the process by which webmasters or online business owners utilize strategic copy to augment their website's status. It is certain that the internet has grown so fast over the years and the competition for the best search engine position has created an enormous market. Therefore, better understanding the fundamental elements of Search Engine Optimization is vital for an online business' success.

Making use of effective search engine optimization techniques will improve the page rank of your website. There are many tricks that can be used to increase page rank; the most effective method is to provide high quality content consistently. This seems like a simple concept but there are many websites that fails to provide content that visitors find interesting. Sites which provide content that are interesting, well-written and regularly updated create highly engaged visitors who are more likely to return to the website in the coming days. So, if you can set your website apart from those boring, lifeless sites then do it. You'll surely have a step closer to achieving high page rank through search engine optimization.

The next significant factor for an effective search engine optimization is to include keywords and phrases within your content. To make sure that you are properly targeting your market, you have to make sure that the keywords and phrases you have on your site are the keywords and phrase that your site is actually optimized for. The more keywords you use in your content, the more likely it is that online visitors will find your site when they do some research with those words. If you are unfailing with these techniques, then your overall search engine optimization will increase, boosting your page rank.

You should also have to develop a linking strategy as a part of your search engine optimization. Not only does this provide free advertising for your site, but it makes the impression that your site is imperative because of its affiliated links. For each link that you have pointing back to you, that is another chance for your potential customer to find you. The more inbound links that you have pointing to your site, the higher you will be ranked in the search engines.

Another is to develop a content stratagem. People who get to search from the internet are looking for information. The more information you provide for them and the more helpful it is, the more likely you will make the sale. Writing articles is the most effective way to build up content for your site. When writing articles to post on your site, make sure that you develop a clear means of arranging their content. You can do this by simply adding a new page to your site. This will allow room for extra articles to be added as you write them, and will allow you to build up an archive of articles which will maintain to draw online visitors. Make sure also that you have included your archived articles in a directory that is next to the root web of your site so that the search engines will catalog your online articles.

Always keep in mind that search engine optimization methods are important in developing your site's status. With that thing in mind, make sure that you write high-quality, keyword rich content and link your site to and from a deliberate family of other sites. These things will help improve your site's popularity and coerce increased business through your online business.

About the Author:



9. 4/6 Yahoo! News: Mobile Internet
Yahoo! News Search Results for "work at home" Feed My Inbox

Peplink Launches Enterprise Grade 3G Load Balancing (Business Wire via Yahoo! Finance)
April 6, 2009 at 7:53 am

MOUNTAIN VIEW, Calif.----Peplink, the pioneer in Internet link balancing and failover solutions, today announces the release of its Balance 20W mobile load balancing router. Peplink's innovative new product gives Internet reliability to mobile and remote locations where it is not currently possible.



10. Get More Business with Autoresponders
By David Jessee

These days, most everyone is familiar with an autoresponder, although many don't know why they are beneficial to businesses. If you aren't familiar with autoresponders, you would probably find yourself amazed with them. An autoresponder can help your business by automatically emailing your clients and customers with a preset message that will help to increase your sales.

An autoresponder can help your list of clients grow, even send each one of them their own personalized email message. If you choose, you can also follow up each individual email with repeated emails, varying the content whenever you wish. These programs will also allow you to keep track of conversations, and send out broadcast email messages whenever you have news or new products to offer your clients.

As research in the past has shown, personalized email from autoresponders is a great way to boost your business. When you send a personalized email to one of your clients, the autoresponder by can address him or her by their name - which always makes a customer take notice. While you could do this yourself using traditional email, it could take you a few hours if you have a long list of customers.

Autoresponders make sending personalized email a snap. All you need to do is set up your email template, then select where you like the name to go. You can add everyone in your customer list to the autoresponder, which makes sending emails a snap. Once you have everything ready to go, all you need to do is send out the emails with one simple click. Best of all, you don't have to set it up again when you need to send out broadcast messages.

Although there are some people who will buy products after one or two emails, most people require about seven or eight emails before they will purchase anything. Autoresponders can really help you there, as they will do all of the emailing for you. You dont have to keep sending manual emails or anything like that. All you need to do is set up the email address, type in your preset message, and then feel free to send it as many times as you like.

Through the use of an autoresponder you can really boost your business. If you run an Internet marketing business, this tool will prove to be invaluable. You can spend less time sending messages and more time doing what you enjoy. If you've never tried an autoresponder before, you owe it yourself to check out everything they will do for you and your business. Online businesses can get a lot of emails on a daily basis, which is where the autoresponder will really start to shine and show you just how great of an asset it really is.

About the Author:



11. Work at Home News Front
Verbal Communication Skills Lacking in Some Job Seekers; Media Consultants Offer Job Interview Preparation

Landing a new job is hard work. Just getting through the first interview is a challenge especially for a professional who's been laid off from a position he has held for years. Media consultant Suzanne Spurgeon says, "Interview skills get rusty if you don't use them.

The AA'S £6.2BN Summit Paper on Curbing Motoring

As world leaders gather today at the G20 summit to discuss the global financial crisis, the AA's own president, Edmund King, is reminding motorists that with rising motoring costs upon us, it has never been a better time to shed the pounds. Drivers could save over £6 billion per year by following the AA's money saving tips.

Anti-Phishing Working Group Leading Initiative to Stop Consumers From Falling Prey to Money Laundering Scams

CAMBRIDGE, Mass. & LOS ALTOS, Calif.----The Anti-Phishing Working Group announced today a new public education initiative to deliver free counter-crime video instruction to consumers.









12. Adwords Management - 7 Keys to Success: Part 1
By George Kristopher

Most people advertising in Adwords today don't realize that they are losing tons of customers and leads all due to the fact that they don't know the 7 Key things they must do to set up a successful adwords campaign. If you follow these 7 key steps to setting up your adwords campaign, not only will your ad show up a lot higher in Google, but you'll also pay less per click than people advertising below you! Applying these 7 Crucial Steps will increase the amount of clicks you're getting per day and at the same time decrease the amount of money you're having to spend now!

Optimize Your Campaign For Google Are all of your keywords stuffed into one or just a few adgroups? Google hates it when campaigns are like this and determines that your campaign has 0 Relevancy! I know this strategy works, so for all of my clients I make their campaigns Super Relevant by taking each individual keyword and putting it in ad adgroup all on it's own! I know, it's days worth of work, but it reduces their click cost by an incredible amount! If you don't follow crucial step #1 you're going to be slapped! This means that Google will charge you insane amounts of money for your clicks and give your ads horrible placement.

Optimize your ads for Google The structure of your ads play a huge role in determining how much you pay per click. Just like in step #1 Google is obsessed with "Relevancy". Google's idea of a perfect ad actually has the keyword that was searched on show up twice in the ad; Once in the ad title, and once in the ad text. If Google see's that your ad displaying for the keyword, "injury attorney" actually has the keyword "injury attorney" appearing in your ad title and inyour ad text then Google is going to reward your ad for being perfectly relevant to the keyword that was searched on.

Google is going to reward you in two ways, 1) by charging you less per click and 2) by giving your ad a higher ad placement! But that's not all! Who searches on the keyword "injury attorney" will be more inclined to click on your ad because the actual keyword they searched on shows up twice in your ad! That means that by optimizing your ads you get more clicks, you spend less, AND you get higher ad placement! It's a win win situation!

You might ask, "Well how will I ever have time to write a super targeted ad like that for every keyword I have? That seems impossible!" Well, if you don't have time you should make time. My company write a super targeted ad for EVERY keyword that you have! It's a huge load of work, but we've found it's definitely worth it for our clients. Stay tuned for part 2 of this article series, on "Optimizing your site for Google and Keyword Swiping".

About the Author:



13. Privacy Policy - The SOHO Quest Blog
Our Commitment To Your Privacy
To better protect your privacy we have provided this notice explaining our online information practices, and the choices you may make about the way your information is collected and used. Here is information on what types of personal information we receive and collect when you use and visit this website, and how we safeguard your information. The SOHO Quest Blog will never sell your or trade your personal information to third parties.

Log Files
As with most other websites, we collect and use the data contained in log files.The information in the log files include your IP (internet protocol) address, your ISP (internet service provider), the browser you used to visit our site, and the time you visited our site and which pages you visited throughout our site.

Cookies and Web Beacons
We do use cookies to store information, such as your personal preferences when you visit our site.This could include only showing you a popup once in your visit, or the ability to login to use features, such as a forum. We also use third party advertisements in support of this website. Some of these advertisers may use technology such as cookies and web beacons when they advertise on our site, which will also send these advertisers (such as the Google AdSense program) information including your IP address, your ISP, the browser you used to visit the website, and in some cases, whether you have Flash installed. This is generally used for geotargeting purposes (showing local ads to someone in a particular geographic area) or showing certain ads based on specific sites visited (based the content of the types of websites frequented). You can choose to disable or selectively turn off our cookies or third-party cookies in your browser settings, or by managing preferences in programs such as Norton Internet Security. However, this can affect how you are able to interact with this website, as well as other websites. This could include the inability to login to services or programs, such as logging into forums or accounts.

Our Commitment To Data Security
To prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, we have put in place appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect online.

Our Commitment To Child Privacy
Protecting the privacy of the very young is especially important. For that reason, we never collect or maintain information at our website from those we actually know are under 18, and no part of our website is structured to attract anyone under 18. Under our Terms of Service, children under 18 are not allowed to access our service.

Collection of Personal Information
This information is purely used to analyze trends, administer the site, track user’s movement, and gather broad demographic information for aggregate use. Importantly, IP addresses are not linked to personally identifiable information.

Links to Third Party Websites
We have included links on this site for your reference. We are not responsible for the privacy policies on these websites.

lterations to this Privacy Statement
The content of this statement may be altered at any time.


14. SOHO Quest - New Contact Information
This post provides updated contact information for this blog. If you have any questions regarding the content of The SOHO Quest Blog, about the products mentioned, or questions of any nature at all, do not hesitate to contact us at the following address.

Your feedback about this website is helpful, appreciated, and welcome.

Please contact us at: soho.quest@gmail.com


15. Updated About for The SOHO Quest
The SOHO Quest is a blog dedicated to providing up-to-date information on the subject Small Office and Home Office.

This blog publishes reviews, informative content, tips and more with regard to working in an small office-home office environment. Navigate this blog by using the side bar links. Follow highlighted links you see throughout posts to learn about the products and services being mentioned.

This blog is intended to provide worthwhile information for those interested in working in a small office-home office.

Direct all questions to: soho.quest@gmail.com


16. Google Gets Voice
Google GrandCentral has grown all up is being relaunched as Google Voice. This service will continue in beta testing with many new features. Grand Central was a start up "one-number access" telephone service that was purchased by Google soon after its debut.

This service will be styled similar to the Skype telephony business model, in that some of the calls are free, and international long distance will be offered at attractive rates way below what normal phone charges would be. As an example, calls to Canada reportedly will be one cent per minute.

This will be a great service for entrepreneurs, solopreneurs, and small office/home office workers, which now includes distance workers, telecommuters and digital nomads. Get in line and queue up for a free Google Voice number.

From The Blogosphere:

Google Voice Blog: Moving to Google Voice!

We are happy to announce that we have made a number of improvements to GrandCentral and are relaunching the service as Google Voice.

Google Voice Speaks of World Domination

Google Voice is a free service that offers "one number for life," so I recently came across your blog and have been reading along.

Get Ready For Google Voice

The folks over at Google are working on a new project called Google Voice. According to the Google Blog site the first beta testing will be for GrandCentral [...]




17. Depression Cooking Teaches
Check out Google Trends this morning, and you will see that Great Depression Cooking tops the charts. The television news anchors are starting to own up to the fact that we are in a depression, and not just your ordinary run of the mill recession.

Imports are down 24% and the economy in the US alone shrank over 6% in just one month. If you think there is any good news in this, it probably is only the fact we need to learn to individually become self reliant again. We can't sustain an economy where the only growth is in government.

If you have already lost your job, and are scratching your head as to what you will do when the unemployment insurance runs out, you may have figured out that it probably won't be a job like you had before. We are headed back to a more mercantile style society, where we each make and trade goods and services. Do you believe you can now start your own small office-home office based on new skills found learned and linked on the Internet?

If you are on your own SOHO quest, you may want to consider investing in and learning about working online. In many ways it is a quite separate and parallel economy. Almost unrelated to what is happening in the real world sector.

An alternative avocation is taking up the art of Depression Style Cooking.




18. SpiderWeb Will Rock the Web
Whoa Baby! This blog is getting whiskers. Anyone that has followed my path will know that I now have been heavy into educating myself about Internet marketing. Thus, the reason for no posts.

But I have been busy investigating. One of the schemes is a beta program known as The SpideWeb Marketing System. If you have seen it in passing, but did not consider it...keep looking. This had the potential to be the next big monetizing scheme for the web.


Many have tried to create a self-sustained or auto-pilot system. This supposedly started out with 12 streams of income, but now has 22. I have a gut feeling you have to work it like any other business.

It still is in beta, so don't hope for much. I had numerous conversation with the owners and management team of this system about creating an inner circle training program. Alas, everyone wants something for nothing. You can generate free leads, but then you have to know what to do with them.

Check out my blog on the subject, too, at "The SpiderWeb System Information and Reviews".


19. How to Produce 365 Videos in One Year
(Archived in: Online Income Reviews)

If you have been involved in the blogosphere for long, you know that many bloggers are gravitating towards video aka Video blogs, Vlogs, Vidcasts, or a Video Podcast.

This is a heads up on Mark Wielgus at 45n5.com. Mark is on top of online trends, and I am here to tell you that he researches, tests, and reports on things you will come to appreciate on a daily basis. All the information in this post was gleaned from 45n5. My belief is that Mark combines some marketing savvy with geekdom knowhow. He even writes simple, but useful utility programs and then gives them away for free on the blog. Here is a recent link to one he dubs "Keyword Scrubber".

45n5.com has turned into one of the few blogs I simply must check out on a daily basis. Now Mark is committed to deciphering Affiliate Marketing as a top priority. Another project he is combining with this effort is his personal mission to produce and post a video every day in 2008.

I think with 365 videos in the planning, his little experiment is one to watch for trends, plus the techniques, tips and tricks he is bound to uncover along the way. So, if you want to make 365 videos in one year, watch this guy in 2008 and I think you will learn something.



20. Prioritize Your Blogging for 2008
(Archived in: Social Media Marketing Social Media Optimization)

Welcome to the New Year! I have been spending the last week planning for 2008, which has included changes to my blogging style. If you follow my blogs, you know that I have decided to concentrate on Digital Nomads and The Rugged Notebooks Blog as my main focus for blogging, and with less frequent posting to this blog and The Sovereign Journey.

This is not for a lack or loss of interest, but merely a necessity of time management. Regardless, my blog niche revolves around the central theme of mobility and using technology to be independent. So, you can always check back here and/or catch my more frequent updates at the Rugged Notebooks or Digital Nomads sites. My plan this year is to move to private domains.

One thing I have been doing is writing more focused posts...themed, if you will, or a series of posts on a subject of interest. Recently, this has had a major slant towards telecom, and in particular new gadgets like MagicJack and VoIP telephoney solutions like Google GrandCentral.

I am finding that being more focused on a particular subject area makes it easier and more interesting to research, test, review, and write. I think my readers appreciate it a well and it is helping in the SERPS.

If you are still blogging, drop me a line and let me know how you are getting on. There seems to have been a drop in the number of friends I met online in 2007 that have continued to blog, or scaled back like I have. -Digital Nomad


21. Twelve Step Program for Email Addicts
(Archived in: Online Usability Reviews)

I saw this over at the BigString 2.0 website and thought it was good advice. BigString is an interesting concept in itself, which I will let you discover for yourself. These 12 items have been edited somewhat, so not to get dinged for duplicate content. There were some typos in the original text anyway. Enjoy.

1. Do not send email when you are angry. Wait until you calm down before you send that email. Feelings and thoughts can be difficult to interpret and easily misconstrued.

2. Never send a sarcastic email that could be taken out of context. Sarcasm and email do not mix. You can easily offend someone in an email without intent to do so.

3. Do not send email gossip. You never know where the email will end up. Just make a commitment to yourself not to participate in any gossip.

4. Never end significant relationships via email. Email is the equivalent of an electronic paper trail. Not good for any sour ending, whether business or personal.

5. If you don't want your boss or coworkers to see it, better not send that email from work.

6. Never put anything in writing that may come back to haunt you. A good overall policy. Not just for email.

7. Never, ever, hit ‘Reply to All’ when you just want to send an email to one individual.

8. Don’t email pictures of yourself to others. Especially, online acquaintances and complete strangers.

9. Don’t make promises or commitments via email that you cannot or will not keep.

10. When you send attachments, be sure that you have selected the correct files and documents.

11. Good advice from New York Governor Elliot Spitzer, “Never write when you can talk. Never talk when you can nod. And never put anything in an email.â€

12. Try BigString recallable email. If you do happen to make errors...the recallable, erasable, and non-forwardable features will help to correct such mistakes.



22. How to Build 10-Minute Affiliate Website Mashups
(Archived in: Online Income Reviews)

If you are searching for ways to be innovative with your online marketing, then here is another plug for many of the ideas featured at 45n5.com authored by Mark Wielgus. No, this is not a paid post.

This is the good stuff, it's an addendum to the post on "30 Websites in 30 Days", and Mark calls this his YouTube-Ebay-Amazon Affiliate Website Mashup Thingy.



I have had a few email exchanges with Mark, and these are a few of his cautionary thoughts by way of how he has explained the ideas behind how it should work. Most people will not succeed with this mashup concept, or any other website scripting without the underlying concept and knowledge (or experience from learning) of how to build such a niche site.

Cranking out "out of the box" and rubber stamp solutions is what everybody else is doing. Doing the same thing that everyone else is doing online will bring the same results...which happens to be not making any money online. This also happens to mirror Einstein's theory of insanity, and he was no dummy. It's also making many people wealthy for some pretty worthless online information products.

So, if you use the script out of the box, most of your money will be made from luck or successful keyword research (aka) what words and topics you use to build these niche minisites in mass production.

Now is the time to learn. Take the time to consider doing it right. - Digital Nomad


23. A SOHO Reprise of Honest Riches System
(Archived in: Online Income Reviews)

A 25 Year Old Entrepreneur Making a Living Online from Home


You probably have read about or heard of The Rich Jerk and Chis X of Day Job Killer. If not you better stop and do a Google search right now. About 2 years ago, Holly Mann, a young mother started to successfully market directly against high profile Internet marketing gurus like these guys.

Living in a foreign country with no job and few resources, Holly decided she could research, design, and deliver a kinder and gentler approach to online marketing. Evidently she found her niche selling "How-To" information, because she has become successful in a short period of time (well, a couple of years).

"Honest Riches 2" is a 95 page proven guide. Holly shows all the techniques she has used to make money online through affiliate programs starting with no website and no start-up money, then on to free websites that can easily be setup with little or no experience, including free advertising that most people don't know or think about.

Yes, it seems possible to make money online and work from home just about anywhere (Holly lives in Thailand), but don't quit your day job just yet. You need a system and you need the right tools and knowledge to be successful. Changing your career is a life altering decision.

Before taking the leap, do plenty of due diligence and adequate research for information and resources about starting an online business and becoming an online entrepreneur. This e-book is geared for beginners, but is a valuable resource for all online marketers. No "get-rich-quick" schemes here....like any real business endeavor, it involves some effort and some work. But you will learn strategies and techniques to start making money right away.

To read more about Holly Mann techniques and other online marketers, visit Thank You Holly Mann.


24. John Chow Calls It Quits on Agloco
(Archive in: Weblogs and Business)

After many attempts at beating a dead horse, everyone involved in the Agloco fiasco can now uncross their fingers. It ain't gonna happen. Even John Chow has finally admitted defeat along with almost 30,000 signed up in his Agloco network.


Here is a partial screenshot of his last post on the subject, and here is a link to the post about the Agloco demise at TechCruch. Like John says...it shows that all those MBAs don't always muster up success, even the second time around. For posterity, watch the video on the Agloco viewbar attributes, and think about all the gurus that were on board for this.



25. How to Build 30 Websites in 30 Days
(Archive in Ecommerce SOHO Online Usability)

It may sound implausible, but it is not impossible. Follow this Digital Nomad and you know that just feeding the blogs is not going to cut it anymore. Blogging should be part of your online marketing network, but not a diversion.

I have been searching heavy for the folks that are making it online and not the wannabes. One such source is 45n5.com authored by Mark Wielgus. This guy tells it straight. You have to hunt an peck to find the good stuff, and you will have to piece it together, but I think a good start is on this website.

Mark will show you how to find a niche, create a website in 10 minutes, and then shove it in the pipeline with some SEO tricks. Theoretically, there is no reason why you could not do this everyday for a month and then have 30 minisites up and running for affiliate programs in thirty days. That's if you want to have a website between you and the merchant.



I am finding that you maybe don't even need a website to market affiliate programs, but you do have to commit to spending some money for Google Adword campaigns. Better have a pad and pen ready.

There is always something to learn. Take the time to learn something new each day. - Digital Nomad


American Jobs: Going, Going...
Jane Birnbaum
2005
Reprinted from: AFLCIO.org

Corporations are escalating efforts to ship out jobs that pay well and build the middle class—and now they are aiming their axes at workers in the nation’s fast-growing white-collar sector.

The U.S. recession that began in March 2001 officially ended in November 2001, say the National Bureau of Economic Research and other analysts.

So why are so many workers still out of jobs?

“We’ve declared victory over the recession, and we’re still laying off a couple hundred thousand workers a month,” says Rep. Pete Stark (D-Calif.). “If it weren’t so painful for so many people who are out of work, it would be hilarious. But it isn’t.”

The U.S. economy has 3.2 million fewer jobs today than it did when President George W. Bush took office, including 2.5 million fewer manufacturing jobs. Bush appears headed for the dubious distinction of being the first president since Herbert Hoover to preside over a decline in total employment during his term in office.

In the past three years, nearly one in five U.S. workers was laid off from the job, according to The Disposable Worker: Living in a Job-Loss Economy, a Rutgers University¡V University of Connecticut report released in late July. Among workers laid off from full-time work, roughly one-fourth were earning less than $40,000 annually, the report finds.

In July, a total of 15 million U.S. workers were either unemployed, underemployed or too discouraged to job hunt, according to the Labor Department.

In contrast, within a year after the official end of the last recession in March 1991, the nation had embarked on six straight months of solid job growth.

This time, say economists, there are crucial differences: Companies are sending well-paying manufacturing and service jobs to countries with few, if any, protections for workers and the environment. And these jobs are probably not coming back.

“The movement of jobs and production overseas is handcuffing the recovery,” according to Mark Xandi, chief economist at Economy.com, as quoted in the New York Times.

“With NAFTA, the World Trade Organization and other trade deals of the last decade, American corporations are now tapping into a global supply of workers who can be trained to do everything from design to production, maintenance to marketing,” says Jeff Faux, economist and founding president of the Economic Policy Institute. “And while these workers become more productive, their pay doesn’t rise, because in many of these countries, to be a labor organizer means you risk winding up in a ditch with a bullet in your head.”

American jobs sent out of the country aren’t likely to return anytime soon. “As long as employers can take advantage of much lower labor costs in other countries, there’s no compelling reason to bring back many of these well-paying jobs,” says Ron Hira, an engineer and assistant professor of public policy at Rochester Institute of Technology. “Policymakers seem to be at a loss as to what to do about this problem.”

Meanwhile, the Bush administration directs multimillion-dollar tax cuts to the wealthy while supporting trade laws that encourage offshore outsourcing. And even as Bush opposes unemployment insurance extensions for some 1 million Americans who have exhausted their benefits, his administration refuses to embrace job-creating programs that would repair the nation’s infrastructure and help balance devastated state budgets.

“The Bush administration doesn’t seem to care about jobs,” says Center for Economic and Policy Research co-founder Dean Baker. “To retain and create jobs, there have to be policy changes, and I don’t think this administration is willing to make them.”

Manufacturing: America’s Foundation Is Crumbling
Photo Credit: Bill Burke/Page One
“American taxpayers...do not want their tax dollars subsidizing the export of their jobs.”
—USWA President Leo Gerard

Manufacturing jobs traditionally have provided high wages and good benefits that allow workers to care for their families. But 2.5 million manufacturing jobs have disappeared since President Bush took office in early 2001.

Multinational corporations are transferring jobs to countries where workers earn low wages and have few or no protections. And small U.S. businesses are laying off workers or shutting their doors because they can’t meet foreign competitors’ prices.

African American workers have been hit particularly hard. Because of manufacturing job losses, the unemployment rate among African Americans is rising twice as fast as it is for whites and faster than in any downturn since the mid-1970s. “The number of jobs and the types of jobs that have been lost has severely diminished the standing of many blacks in the middle class,” says William Lucy, president of the Coalition of Black Trade Unionists and AFSCME secretary-treasurer.

Manufacturing job loss starts the downward spiral

The loss of good manufacturing jobs has ripped apart communities and permanently lowered living standards for families throughout the United States, including in Rockford, Ill., 70 miles from Chicago. The northern Illinois city is historically second only to Cleveland as a center for machine tooling, the making of tools used in machine manufacturing.

Machine tooling, which traditionally employs the most highly skilled manufacturing workers including members of the Machinists and UAW, is the bedrock of America’s manufacturing industry.

But the bedrock is crumbling. The Rockford area lost more than 20 percent of its manufacturing jobs—about 10,000—between May 2000 and 2003, according to MBG Information Services President and Economist Charles McMillion’s analysis of Department of Labor data.
General manufacturing jobs have been among those lost in Rockford, including jobs held by Steelworkers Local 745 members at the Goodyear tire plant. USWA members at Goodyear now number 750, down from 1,650 in 1999, before the corporation shipped the jobs to Asia and South America.

But most manufacturing jobs lost in Rockford have been in machine tooling. At Greenlee/Textron, which makes drill bits and tools for electrical contractors, about 180 Machinists now represented by IAM Local 1553 are employed today, down from about 900 in the late 1980s. The 112-year-old crown jewel of Rockford machine tooling—Ingersoll International—declared bankruptcy this spring and laid off 300 employees in Rockford and 70 in Michigan, leaving only skeleton crews of managers and a few contract workers.

“The lesson of Rockford,” says Faux, “is it disproves the free traders’ argument that America could afford to lose manufacturing jobs in areas like textiles and steel because we would ultimately triumph in global competition by making the things hardest to make. In fact, those things are machine tools—and we’re losing them.”

A loss of manufacturing jobs reverberates throughout the community—and ultimately the nation. When manufacturing factories aren’t being built, maintained or expanded, jobs disappear in areas such as construction.

“Our union has about 30 percent unemployment,” says Mark Bramble, business agent for Electrical Workers Local 364 in Rockford. “Guys burn through their unemployment, lose all their benefits, get divorced and then go where the grass looks greener or settle for working as a greeter at Wal-Mart.”

A question of national security

There’s a sense of betrayal in Rockford these days. “Free trade was sold to America with the line that it helps us export more goods,” says Eric Anderberg, who manages his family’s 37-year-old machine tool company, Dial Machines Inc. “But what’s happened is the exportation of our jobs and means of production so multinational corporations can exploit foreign labor and sell their goods back to us.”

Today Dial employs 40 workers, down from 75 in the late 1990s. It recently lost work to a lower-bidding Czech Republic manufacturer that nabbed a contract making parts for a supplier of General Electric Wind Energy Corp.

Anderberg and other Rockford employers worry that a Chinese government-owned machine tooling company, which already has bought two divisions of Ingersoll International, may now be poised to buy another—one containing intellectual property, including high-level research and design and military technology. “I cannot understand how our government can justify not only the debasement of our manufacturing industries but also our national security in a time of war,” he says.

The Rockford community and U.S. national security would get a boost from Buy America provisions House Armed Services Committee Chair Rep. Duncan Hunter (R-Calif.) added to legislation authorizing the 2004 Pentagon budget.

Rep. Donald Manzullo (R-Ill.), who represents the Rockford area and helped write the bill, says, “The Pentagon wouldn’t care if everything it buys is made in China.” Joined by armsmakers such as Boeing and Lockheed Martin, the White House says the Buy America provisions are “burdensome, counterproductive and have the potential to degrade U.S. military capabilities.” But the administration does not mention jobs.

“American steelworkers are also American taxpayers, and they do not want their tax dollars subsidizing the export of their jobs,” says USWA President Leo Gerard.

White-Collar Jobs: America’s Growing Export

Ask anyone which sector of the U.S. economy comes to mind as the most likely to be shipped overseas, and chances are he or she will say manufacturing.

But though the United States lost 2.5 million manufacturing jobs since the Bush presidency beginning in 2001, U.S. corporations now are racing to outsource white-collar jobs—including work in computer sciences, engineering, entertainment, financial and medical services—to countries where workers earn far less.

Terry Antisdel was a Chicago-area engineering associate for Lucent Technologies Inc. and its predecessor AT&T for 35 years until his entire 42-member International Federation of Professional and Technical Engineers Local 81 was laid off in July. He figures his job will end up in India or China. “The words management used were a 'less-expensive offshore site,’ ” recalls Antisdel, who estimates Lucent will send a total of about 5,000 U.S. jobs offshore this year. “I feel let down,” he says. “Companies used to provide jobs for people, but now they’re just there to give money to executives, board members and shareholders.”

In late July, the Washington Alliance of Technology Workers (WashTech), a Communications Workers of America affiliated group that helps high-tech workers win a voice at work, released a tape of a conference call in which IBM’s top human relations executives discussed transferring 3 million U.S. service jobs to countries such as China and India by 2015.

Testifying in June before a House Committee on Small Business investigating the globalization of white-collar jobs, AFL-CIO Department for Professional Employees President Paul Almeida said, “If these cost-saving jobs shifts are taken to their logical extreme, even American corporations should be wondering where their future consumers will be located and how they will buy the goods and services.”

A Forrester Research study predicts U.S. employers will move about 3.3 million white-collar service jobs and $136 billion in wages overseas in the next 15 years, up from $4 billion in 2000.

White-collar jobs going and gone

The jobs already are leaving. By the end of this year, General Electric will have sent a total of 20,000 aircraft and medical research and design jobs to India and China, according to Business Week. And the Accenture consulting firm, which incorporated in Bermuda after splitting from Enron accountant Arthur Andersen, plans to send 5,000 accounting and software jobs to the Philippines in 2004, the magazine says.

According to WashTech, Microsoft plans to eliminate at least 800 full-time call-center jobs near Dallas and shift the work to India and Canada in the next fiscal year. It would be the largest one-time firing of full-time Microsoft employees in the company’s history. WashTech says a Microsoft senior vice president recently urged company managers to “pick something to move offshore today,” though Microsoft publicly has repeated it will not lay off U.S. workers and send the jobs offshore.

While the Bush administration remains silent about offshore outsourcing, states such as New Jersey are considering corrective measures. New Jersey legislators acted after the state outsourced the electronic administration of welfare and food stamp benefits to a company that then sent the jobs to India. When New Jersey citizens called to ask about benefits, they were connected with Indian workers who gave Americanized names.

A bill authored by state Assembly member Linda Greenstein (D) would have required such offshore subcontractors to disclose to New Jersey residents their employers’ true names and locations. But even this common- sense measure had no chance in the face
of massive opposition launched by Indian and American corporate interests, such as Verizon.

“We got a copy of an e-mail Verizon sent managers in New Jersey, thanking them for sending 1,800 e-mails opposing the bill,” says Don Rice, CWA’s New Jersey legislative coordinator. Activists and legislators hope to bring the bill to a vote before the legislative session ends this year.

U.S. security at stake

Offshore outsourcing of white-collar work also raises security concerns. U.S. firms are sending mapping and other such work to India, Pakistan, China, the Philippines and other countries with lower labor costs, says John Palatiello, administrator of the Council on Federal Procurement of Architectural and Engineering Services.

“This practice raises issues regarding access to data about the location of¡Kcritical infrastructure by individuals in foreign countries who have not been through any degree of security clearance and where control of access to data simply does not exist.”

Bush’s January 2002 State of the Union address made clear the danger of access to data by unfriendly foreign operatives: “Our discoveries in Afghanistan confirmed our worst fears....We have found diagrams of American nuclear power plants and public water facilities¡Ksurveillance maps of American cities and thorough descriptions of landmarks in America.”

Activists are demanding Congress review trade and tax policies that encourage white-collar offshore outsourcing. Without government intervention, warns Almeida, “short-sighted corporate policy focused on saving a few bucks in the short run will have an enormous deleterious impact on the entire U.S. economy.”

Low-Wage Jobs: Betray America’s Workers

Photo Credit: Ernie Englander/The New Press

Laid-off U.S. workers thrust into a hostile job market are discovering another ugly part of the American economy: low-wage work that pays too little to keep even a small family out of poverty.

Nearly a quarter of all U.S. workers labor in jobs that pay little but are essential to society. Sixty percent of these workers are female, and many are people of color. They care for nursing home patients and clean offices at night. They prepare food, answer call-center phones and care for our children.

These jobs generally pay less than the $8.85 hourly wage the U.S. government says it takes to keep a family of four out of poverty. Even so, many low-wage jobs offer only part-time hours, with few or no benefits. And workers in low-paying but essential jobs often are treated as disposable, quickly fired if they get sick or stay home with a sick child.

As more good jobs leave the country, the percentage of low-wage jobs keeps growing. By 2010, about 30 percent of working Americans won’t be making even poverty wages, according to the U.S. Department of Labor. A Labor Department list of the 10 occupations likely to show the largest job growth this decade is dominated by jobs that typically pay poorly—food preparation, customer service, office clerking, security and food service.

This world of low-wage jobs and the workers who do them is illuminated in The Betrayal of Work: How Low-Wage Jobs Fail 35 Million Americans, published on Labor Day by the New Press. “Traditionally, there was a promise in this country that if you worked hard, you could take care of your family,” explains author Beth Shulman, an attorney and former United Food and Commercial Workers vice president. “That promise has been broken¡Kand we have built our national prosperity on their backs.”

No job is inherently low wage

Workers in low-wage jobs frequently are labeled as lacking skills and in need of training to move into better-paying positions. But while education is a traditional route to higher pay, Shulman contends no job is inherently low wage.
“Take autoworkers, who had horrible jobs that became good ones because of unions and social legislation,” she says. “The same thing must happen with currently low-paying service- sector jobs. In Las Vegas, for example, the housekeeper represented by the Hotel Employees Restaurant Employees has decent wages and benefits thanks to unionization.”

Low-wage jobs tend to imprison the workers who perform them because of what Shulman calls a “piling on” of hardships. Workers in low-wage jobs are unlikely to have sick leave or health insurance or make enough money to afford reliable transportation or child day care. At the same time, they are likely to be in inflexible situations in which being late or missing work can result in a quick firing.

“It’s not just that you make less money in these jobs, but you have none of the basic things many of us take for granted, such as health insurance, time to care for a family member, adequate child care, some kind of retirement security, even a telephone,” Shulman says. “And this applies to one in four U.S. workers.”

Gap is growing between U.S. rich and poor

As low-wage work continues to replace jobs that pay well, the U.S. economy increasingly resembles that of a less-developed nation, with a wide gulf between rich and poor. Among all western industrialized nations, the United States has the greatest income and wage inequalities, with the best-paid 10 percent of workers making 16.6 times the amount made by the lowest-paid 10 percent, according to a 2003 analysis by the United Nations Development Program. “That’s the way we’ve been moving for some time now and continue to move,” says Heather Boushey, a Center for Economic and Policy Research economist.

To reverse this trend, the United States needs to change the rules of the game, according to Shulman. “For starters, we should immediately raise the minimum hourly wage to the poverty guideline for a family of four—$8.85 an hour versus the current $5.15 hourly federal minimum wage—and then have automatic increases so there’s not a big political battle every time it needs raising. Then, all Americans should have access to affordable health care. There are a variety of ways to do this, and we should just get it done.

“Finally, all American workers should be able to care for their children—to have access to affordable child care, and to stay with them when they’re sick or go to a PTA meeting without getting fired. The consequences for the children of today’s low-wage workers are enormous—they’re following their parents into this low-wage world.”


Companies in India celebrate
"loss of American jobs"
Mike Crane
December 2004
Reprinted from: Southern Party of Georgia website

In our previous article we reported how various companies in India were employed by the Republican National Committee and the Bush Re-election campaign (see: India claims big election victory and laughs at Americans).

One interesting comment that was documented in that article was:

As Vivek Paul, Wipro VC, said after the Presidential poll, “The elections are over and so is the rhetoric; it will be easier for American corporations to step out with their outsourcing plans.”

Well a little research has found some estimates from within India about what that meant. First and foremost, it means that India is celebrating the "loss of American jobs." Folks, that is the jobs of friends, family or perhaps even your own.

Specifically on November 4, with time zone changes, roughly a day after the polls close the following was published in the India Times:

The industry is quietly celebrating that outsourcing and loss of American jobs will not be the hot-button issues any more.

And that is why they believe that "it will be easier for American corporations to step out with their outsourcing plans." Does this mean that American companies put their plans on "hold" to minimize the impact on a close election?

But the folks in India gloat a little more:

Of the documented jobs that left the US for other countries in January through March 2004, 23,396 went to Mexico, 8,283 to China, 3,895 to India, 4,419 to other Asian countries, 5,511 to Latin American countries other than Mexico and 2,933 to other countries.

A brief look at these numbers show what they call a documented American job loss of 48,237 for the first quarter of 2004. On an annual basis this would be 192,968 American jobs. And they expect American companies to now - step out - with their outsourcing plans.

Some will say that 192,968 jobs is not very many. But as you will see in coming articles that is just what is called BPO and is not the whole picture.

Lets look at the effect of three policies that affect American jobs:

  1. Outsourcing - In this article it has been shown that it is at least close to 200,00 jobs a year for the BPO segment and expected to increase
  2. H1-B visa program - allows high tech foreigners to take American jobs here without being counted in immigration totals. Used by many companies to train personnel for their foreign outsourcing programs. There are roughly a million H1-B visas active today.
  3. Legal immigration of about 1 million a year and illegal immigration of about 3 million a year resulting in lower American wages and increased social costs.

Ladies and gentlemen, you are paying the salaries of the elected and appointed officials who are doing this to you. Is this what you want to pay for? If so, why are you reading material on this web site?

If not, you are being ignored!

It should be obvious to all that this trend can not continue forever. Are there any signs that it is getting better:

A recent study of A T Kearney shows that nine out of 10 chief executives wanted to outsource to India. 25 % of the respondents wanted IT and auto component work to be given to India, 15 % favoured China and 13 % Mexico.

That should answer that question beyond a reasonable doubt. Interesting that 15% of the outsourcing chief executives favor Red China! Remember these are the folks that make the big campaign contributions that have so much influence on many of your elected officials. How will you feel when YOUR job is sent to Red China?

If you do not agree with these policies you are being ignored and your elected officials are representing special interests more than you! If you believe that this is a serious problem it is time to get involved now. The longer you wait, the harder it will be stop these destructive trends.

The BPO and your elected officials are doing offshore calculus, are you?

BPO biggies do offshore calculus
TIMES NEWS NETWORK [ THURSDAY, NOVEMBER 04, 2004 02:13:09 PM]

India’s silicon valley is delighted to move out of the limelight. The industry is quietly celebrating that outsourcing and loss of American jobs will not be the hot-button issues any more.

BPO bigwigs are already computing the gains from mega-offshoring plans on hold waiting for US presidential race to be over.

Though most of the industry majors refuse to comment on who will safeguard their interests better, they feel that economic benefits of transfer of jobs to low cost destinations will now overshadow the political rhetoric against outsourcing in the run up to the US poll.

The US presidential election was fueling the protests against job losses due to transfer of jobs.

“American law will remain the same and the outsourcing will go up irrespective of who wins. Already, we see our clients getting ready for bigger offshoring plans,’’ says head of a leading Delhi-based BPO firm. Insiders also feel the American clients might be more open to talk about their outsourcing plans to low-cost destinations like India now.

Though Kerry’s tax proposals that seek to end tax breaks for companies that ship jobs overseas could deter fence-sitter, analysts feel they are no more than short-term sentiment dampeners. After initially branding the shipping of jobs to countries like India and China as a threat to the US economy, Kerry has gone on record saying he can’t stop outsourcing.

Clearly, what is of greater concern is that a clear decision comes soon, irrespective of whether it favours Bush or Kerry. Though Bush is more popular, the $ 2.6 billion BPO industry is convinced that “it will soon be difficult to differentiate between Democrats and Republicans.

Obviously sector’s fate is closely tied up with the US elections, with US accounting for over 70 % of India’s IT exports. A recent study of A T Kearney shows that nine out of 10 chief executives wanted to outsource to India. 25 % of the respondents wanted IT and auto component work to be given to India, 15 % favoured China and 13 % Mexico.

Of the documented jobs that left the US for other countries in January through March 2004, 23,396 went to Mexico, 8,283 to China, 3,895 to India, 4,419 to other Asian countries, 5,511 to Latin American countries other than Mexico and 2,933 to other countries.

 


Costly Trade With China
Millions of U.S. jobs displaced
Robert E. Scott
October 9, 2007
Reprinted from: Economic Policy Institute

Contrary to the predictions of its supporters, China's entry into the World Trade Organization (WTO) has failed to reduce its trade surplus with the United States or increase overall U.S. employment. The rise in the U.S. trade deficit with China between 1997 and 2006 has displaced production that could have supported 2,166,000 U.S. jobs. Most of these jobs (1.8 million) have been lost since China entered the WTO in 2001. Between 1997 and 2001, growing trade deficits displaced an average of 101,000 jobs per year, or slightly more than the total employment in Manchester, New Hampshire. Since China entered the WTO in 2001, job losses increased to an average of 353,000 per year—more than the total employment in greater Akron, Ohio. Between 2001 and 2006, jobs were displaced in every state and the District of Columbia. Nearly three-quarters of the jobs displaced were in manufacturing industries. Simply put, the promised benefits of trade liberalization with China have been unfulfilled.

As a matter of policy, China tightly pegs its currency's value to that of the dollar at a rate that encourages a large bilateral surplus with the United States. Maintaining this peg required the purchase of about $200 billion in U.S. Treasury Bills and other securities in 2006 alone.1 This intervention makes the yuan artificially cheap and provides an effective subsidy on Chinese exports; best estimates are that the rate of this effective subsidy is roughly 40%. China also engages in extensive suppression of labor rights; it has been estimated that wages in China would be 47% to 85% higher in the absence of labor repression. China has also been accused of massive direct subsidization of export production. Finally, it maintains strict, non-tariff barriers to imports. As a result, China's exports to the United States of $288 billion in 2006 were six times greater than U.S. exports to China, which were only $52 billion (Table 1). China's trade surplus was responsible for 42.6% of the United States' total, non-oil trade deficit. This is by far the United States' most imbalanced trading relationship. Unless and until China revalues (raises) the yuan and eliminates these other trade distortions, the U.S. trade deficit and job losses will continue to grow rapidly in the future.

Major findings of this study:

  • The 1.8 million jobs opportunities lost nationwide since 2001 are distributed among all 50 states and the District of Columbia, with the biggest losers, in numeric terms: California (-269,300), Texas (-136,900), New York (-105,900), Illinois (-79,900), Pennsylvania (-78,200), North Carolina (-77,200), Florida (-71,900), Ohio (-66,100), Georgia (-60,400), and Massachusetts (-59,300) (Table 2A).

  • The 10 hardest-hit states, as a share of total state employment, are: New Hampshire (-13,000, -2.1%), North Carolina (-77,200, -2.0%), California (-269,300, -1.8%), Massachusetts (-59,300, -1.8%), Rhode Island (-8,400, -1.8%), South Carolina (-29,200, -1.6%), Vermont (-4,900, -1.6%), Oregon (-25,700, -1.6%), Indiana (-45,200, -1.5%), and Georgia (-60,400, -1.5%) (Table 2B).

China's entry into the WTO was supposed to bring it into compliance with an enforceable, rules-based regime, which would require that it open its markets to imports from the United States and other nations. The United States also negotiated a series of special safeguard measures designed to limit the disruptive effects of surging Chinese imports on domestic producers. However, the core of the agreement failed to include any protections to maintain or improve labor or environmental standards. As a result, China's entry into the WTO has further tilted the international economic playing field against domestic workers and firms, and in favor of multinational companies (MNCs) from the United States and other countries, and state- and privately-owned exporters in China. This has increased the global "race to the bottom" in wages and environmental quality and caused the closing of thousands of U.S. factories, decimating employment in a wide range of communities, states, and entire regions of the United States.

False promises

Proponents of China's entry into the WTO frequently claimed that it would create jobs in the United States, increase U.S. exports, and improve the trade deficit with China. President Clinton claimed that the agreement allowing China into the WTO, which was negotiated during his administration, "creates a win-win result for both countries" (Clinton 2000, 9). He argued that exports to China "now support hundreds of thousands of American jobs" and that "these figures can grow substantially with the new access to the Chinese market the WTO agreement creates" (Clinton 2000, 10). Others in the White House, such as Kenneth Liberthal, the special advisor to the president and senior director for Asia affairs at the National Security Council, echoed Clinton's assessment:

Let's be clear as to why a trade deficit might decrease in the short term. China exports far more to the U.S. than it imports [from] the U.S….It will not grow as much as it would have grown without this agreement and over time clearly it will shrink with this agreement.2

Promises about jobs and exports misrepresented the real effects of trade on the U.S. economy: trade both creates and destroys jobs. Increases in U.S. exports tend to create jobs in the United States, but increases in imports tend to destroy jobs as imports displace goods that otherwise would have been made in the United States by domestic workers.

The impact of changes in trade on employment is estimated here by calculating the labor content of changes in the trade balance—the difference between exports and imports. Each $1 billion in computer exports to China from the United States supports American jobs. However, each $1 billion in computer imports from China displaces those American workers, who would have been employed making them in the United States. On balance, the net employment effect of trade flows depends on the growth in the trade deficit; not just exports. Another critically important promise made by the promoters of liberalized U.S.-China trade was that the United States would benefit because of increased exports to a large and growing consumer market in China. This market, in turn, was to be based on an expansion of the middle class that, it was claimed, would grow rapidly due to the wealth created in China by its entry into the WTO. However, the increase in U.S. exports to China has been overwhelmed by the growth of U.S. imports, as shown below.

Growing trade deficits and job losses

The U.S. trade deficit with China has increased from $50 billion in 1997 to $235 billion in 2006, an increase of $185 billion, as shown in Table 1. Between 1997 and 2001, prior to China's entry into the WTO, the deficit increased $9 billion per year on average. Between 2001 and 2006, after China entered the WTO, the deficit increased $30 billion per year on average.

While it is true that exports support jobs in the United States, it is equally true that imports displace them. The net effect of trade flows on employment must look at the trade balance. The employment impacts of growing trade deficits are estimated in this paper using an input-output model that estimates the direct and indirect labor requirements of producing output in a given domestic industry. The model includes 200 U.S. industries, 86 of which are in the manufacturing sector (see this paper's methodology appendix for further details).3

The model estimates the labor that would be required to produce a given volume of exports, and the labor that is displaced when a given volume of imports is substituted for domestic output.4 The job losses presented here represent an estimate of what sectoral employment levels would have been in the absence of growing trade deficits.5

U.S. exports to China in 1997 supported 138,000 jobs, but U.S. imports displaced production that would have supported 736,000 jobs, as shown in the bottom half of Table 1. Therefore, the $49 billion trade deficit in 1997 displaced 736,300 jobs in that year. Job displacement rose to 1,000,000 jobs in 2001 and 2,763,000 in 2006. Prior to China's entry into the WTO, an average of 101,000 jobs per year were displaced by growing trade deficits between 1997 and 2001. After 2001, an average of 353,000 jobs per year were lost.

Growth in trade deficits with China has reduced demand for goods produced in every region of the United States and has led to job displacement in all 50 states and the District of Columbia, as shown in Table 2A and Figure A.6 More than 100,000 jobs were lost in California, Texas, and New York each. Jobs displaced due to growing deficits with China equaled or exceeded 2.0% of total employment in states such as North Carolina and New Hampshire, as shown in Table 2B. An alphabetical list of job losses by state is shown in Table 2C.

Figure A

Table 2c

Growing trade deficits with China have clearly reduced domestic employment in traded goods industries, especially in the manufacturing sector, which has been hard hit by plant closings and job losses. Workers displaced by trade from the manufacturing sector have been shown to have particular difficulty in securing comparable employment elsewhere in the economy. More than one-third of workers displaced from manufacturing drop out of the labor force (Kletzer 2001, 101, Table D2). Average wages of those who secured re-employment fell 11% to 13%. Trade-related job displacement pushes many workers out of good jobs in manufacturing and other trade-related industries, often into lower-paying industries and frequently out of the labor market.

Some economists have quibbled with job-loss numbers extrapolated from trade flows, based on the presumption that aggregate employment levels in the United States are set by a broad range of macroeconomic influences, not just by trade flows. There is a grain of truth to this—the trade balance is but one of many variables affecting aggregate job creation in the United States.

That said, the employment impacts of trade identified in this paper can be interpreted as the "all else equal" effect of trade on domestic employment. The Federal Reserve, for example, may decide to cut interest rates to make up for job loss stemming from deteriorating trade balances (or any other economic influence), leaving net employment unchanged. This, however, does not change the fact that trade deficits by themselves are a net drain on employment.

Administration officials and other economists have argued that the capital inflow that is the mirror-image of trade deficits supports jobs in the United States by keeping interest rates lower than they would be absent this inflow. During the late 1990s, for example, these capital inflows fought rising trade deficits to a draw in terms of aggregate employment effects, and, through much of the 2000s recovery, interest-sensitive industries (housing and construction, for example) have surely expanded more than they would have absent foreign capital inflows. While these claims may be correct from a simple accounting standpoint, they do not support assertions that trade flows are a useless indicator of job loss.

First, and most simply, it is just not true that foreign capital inflows always make up trade-induced employment losses one-for-one. In the 2001 recession and the jobless recovery following, growing trade deficits accompanied aggregate job loss, even as interest rates scraped historical bottoms. Clearly, low interest rates do not always translate into enough growth in investment and consumption in interest-sensitive sectors to always sterilize the impact of growing trade deficits.

Second, the job-loss numbers identified in this report are a good measure of just how unbalanced the U.S. economy has become due to rising trade deficits. Tradable goods industries have hemorrhaged jobs, while interest-sensitive, often non-tradable, industries have seen rapid growth. At that point in the future when trade deficits begin to close (and this will happen—it is only a question of when and how), the U.S. economy will need to return many of the jobs displaced by rising trade deficits out of non-tradable and into tradable industries. Moving millions of workers back and forth between sectors is no mean trick, and accomplishing it without a recession in between will be hard; trying to do it after another couple of years of deficit growth—and an even more lopsided U.S. economy—will be even harder.

In short, while aggregate employment in the United States may well not respond job-for-job with the numbers reported in this paper on trade deficits with China, these numbers provide insight into how much harder other macroeconomic influences have to work to eliminate the employment drag from these deficits, and they provide a good (and ominous) measure of how lopsided employment growth in the U.S. economy has become owing to the unbalanced U.S.-China trade relationship.

Conclusion

The growing U.S. trade deficit with China has displaced huge numbers of jobs in the United States, and been a prime contributor to the crisis in manufacturing employment over the past six years. The current U.S.-China trade relationship is bad for both countries. The United States is piling up foreign debt, losing export capacity, and facing a more fragile macroeconomic environment. Meanwhile, China has become dependent on the U.S. consumer market for employment generation, has suppressed the purchasing power of its own middle class with a weak currency, and, most importantly, has held hundreds of billions of hard-currency reserves in low-yielding, risky assets, instead of investing them in public goods that could benefit Chinese households. Its repression of labor rights has suppressed wages, thus subsidizing its exports and making them artificially cheap. This relationship needs a fundamental change: addressing the exchange rate policies and labor standards issues in the Chinese economy are important first steps.

April 2007

The author thanks Lauren Marra for her research assistance
and Josh Bivens and Ross Eisenbrey for comments.

This research was made possible by generous support
from the Alliance for American Manufacturing.


Methodology

This analysis utilizes an input-output model to estimate the relationships between changes in trade flows and production that could support domestic employment. The analysis covers trends in goods trade, which is dominated by manufactures. Services trade is not considered because of problems with the data, and because many of the services traded involve returns to capital and intellectual property that have little or no direct effect on employment. In addition, goods trade dominates the nation's international accounts.

This study uses the model developed in Rothstein and Scott (1997a and 1997b). This approach solves four problems that are prevalent in previous research on the employment effects of trade. Some studies look only at the effects of exports and ignore imports. Some studies include re-exports (transshipments)—goods produced outside the United States and shipped through this country to other nations—as U.S. exports. The trade data used in many studies is usually not adjusted for inflation. Finally, a single employment multiplier is often applied to all industries, despite differences in labor productivity and utilization.7

The model used here is based on the Bureau of Labor Statistics' employment requirements tables, which were derived from the U.S. input-output tables that are published by the Bureau of Economic Analysis. These tables are adjusted to 2000 price and productivity levels (BLS 2007b), in real, chain-weighted 2000 dollars. A base year with 2000 employment requirements was used to estimate the employment content of trade in all years covered in this study. This assumption was needed to control for the effects of technology. This technique isolates the effects of trade on employment from pure technology effects. This model is used to estimate the direct and indirect effects of changes in goods trade flows in each of 200 industries. This study updates the 1987 input employment requirements table used in earlier reports in this series (Rothstein and Scott 1997a, 1997b).

This analysis requires four-digit, trade data based on the North American Industry Classification System (NAICS) (U.S. International Trade Commission 2007), deflated with industry-specific, chain-weighted price indices (BLS 2007a), which were updated using industry-specific producer price indexes (BLS 2007b).8 Trade data were downloaded from the U.S. International Trade Commission (2007) Web site in NAICS format. The data for 2006 are preliminary estimates; this report will be updated and expanded when the final 2006 trade data are released in June 2007. State-level employment effects are calculated by allocating imports and exports to the states on the basis of their share of four-digit, industry-level employment for 2000 (U.S. Census Bureau 2001).

The trade data were converted into chain-weighted 2000 dollars. A domestic employment requirements table for a particular base year was used to estimate the employment effects of trade in each year of the analysis, holding technology constant. The domestic employment requirement calculates the labor required to produce all of a given product within the United States. Thus, it reflects the complete labor content of output, including jobs indirectly supported in service industries. The base year of 2000 was chosen for this study because it was an approximate mid-point in the data covered in this study.

CPS data on employment by industry by was collected for each of the detailed sectors in the model. These data were used to calculate each state's share of national employment.

References

Bureau of Labor Statistics, Office of Employment Projections. 2007a. Special Purpose Files—Industry Output and Employment. Washington, D.C.: U.S. Department of Labor.
http://www.bls.gov/emp/empind2.htm.

Bureau of Labor Statistics, Office of Employment Projections. 2007b. Special Purpose Files— Employment Requirements. Washington, D.C.: U.S. Department of Labor.
http://stats.bls.gov/emp/empind4.htm.

Bureau of Labor Statistics. 2005. Access to historical data for the "B" tables of the Employment Situation News Release.
http://stats.bls.gov/ces/cesbtabs.htm.

Clinton, William J. 2000. Expanding trade, protecting values: Why I'll fight to make China's trade status permanent. New Democrat, Vol. 12, No. 1, pp. 9-11.
http://www.ndol.org/ndol_ci.cfm?contentid=965&kaid=108&subid=127

Faux, Jeff. 2007. Globalization That Works for Working Americans. Briefing Paper #179. Washington, D.C.: Economic Policy Institute. http://www.sharedprosperity.org/bp179.html.

Kletzer, Lori G. 2001. Job Loss From Imports: Measuring the Costs. Institute for International Economics. Washington, D.C.: IIE.
http://bookstore.petersoninstitute.org/book-store/110.html

Ratner, David. 2006. "Appendix: Methodology and Data Sources", in Faux, Jeff, Bruce Campbell, Carlos Salas, and Robert Scott. 2006. Revisiting NAFTA: Still Not Working for North America's Workers. Briefing Paper. Washington, D.C.: Economic Policy Institute.
http://www.epi.org/content.cfm/bp173

Rothstein, Jesse and Robert E. Scott. 1997a. NAFTA's Casualties: Employment Effects on Men, Women, and Minorities. Issue Brief. Washington, D.C.: Economic Policy Institute.
http://www.epi.org/content.cfm/issuebriefs_ib120

Rothstein, Jesse and Robert E. Scott. 1997b. NAFTA and the States: Job Destruction is Widespread. Issue Brief. Washington, D.C.: Economic Policy Institute.
http://www.epi.org/content.cfm/issuebriefs_ib119

Scott, Robert E. 2005. U.S.—China Trade, 1989-2003: Impact on Jobs and Industries, Nationally and State-by-State. Working Paper # 270. Washington, D.C.: Economic Policy Institute. January.
http://www.epi.org/content.cfm/wp270

U.S. Census Bureau. 2001. 2000 Basic Monthly Survey of the Current Population Survey. U.S. Department of Commerce, U.S. Census Bureau. Washington, D.C.: U.S. Department of Commerce.
http://www.census.gov/cps/

U.S. International Trade Commission. 2007. USITC Interactive Tariff and Trade Data Web.
http://dataweb.usitc.gov/scripts/user_set.asp.

Endnotes

1. These purchases financed about one-quarter of the U.S. $857 billion current account deficit in 2006 (the broadest measure of all U.S. trade and income flows). But for these purchases, the reduced demand would have put significant downward pressure on the U.S. dollar. A substantial depreciation in the dollar would begin to improve the U.S. trade deficit within a few years.

2. NewsHour with Jim Lehrer transcript. 1999. "Online NewsHour: Opening Trade—November 15, 1999."
http://www.pbs.org/newshour/bb/asia/july-dec99/wto_11-15.html.

3. See Ratner (2006) for a more complete, technical description of this model.

4. For the purposes of this report, it is necessary to distinguish between exports produced domestically and re-exports—which are goods produced in other countries, imported into the United States, and then re-exported to other countries, in this case to China. Since re-exports are not produced domestically, their production does not support domestic employment and they are excluded from the model used here. See Table 1 for information about the levels of U.S. re-exports to China in this period.

5. This model assumes that everything else is held constant and the results are counterfactual estimates.

6. See the methodology appendix for computational details.

7. Other studies—see California State World Trade Commission (1996), which finds 47,600 jobs created in California from increased trade with Canada alone—have allocated all employment effects to the home state of the exporting company. This is problematic, because the production—along with any attendant job effects—need not have taken place in the exporter's state. If a California dealer buys cars from Chrysler and sells them to China, these studies will find job creation in California. However, the cars are not made in California; so the employment effects should instead be attributed to Michigan and other state with high levels of auto industry production. Likewise, if the same firm buys auto parts from China, the loss of employment will occur in auto-industry states, not in California.

8. Industry-specific producer price indices are unavailable for certain industries between 2005 and 2006. In order to construct price deflators for all 200 BLS industries, we used a combination of commodity PPIs and industry PPIs. For instance, NAICS-based industry 3331 (which maps to BLS industry 72) is composed of agricultural, manufacturing, and mining machinery manufacturing. To compute a price index for this industry, a trade-weighted average of the commodity indices for agricultural machinery and construction machinery was used as a proxy for the industry PPI. Industry PPIs were used wherever available.


Outsourcing Not the Culprit in Manufacturing Job Loss
Wes Iversen
December 9th, 2003
Reprinted from:Automation World
Productivity gains spawned by factory automation are driving a worldwide decline in manufacturing jobs, even in developing nations, says researcher.

For many Americans, the word “outsourcing” conjures up images of manufacturing job decline. But the United States is far from alone in losing manufacturing employment, points out Dan Miklovic (shown above), vice president and research director at GartnerG2, the business research arm of Stamford, Conn.-based Gartner Inc. “Recent studies show that manufacturing jobs are declining everywhere,” said Miklovic, during a Nov. 17 panel discussion on outsourcing, part of a Global Media Summit sponsored by Rockwell Automation, Milwaukee.

Over the past decade, U.S. manufacturing jobs have declined by more than 11 percent, Miklovic noted. But at the same time, Japan’s manufacturing employment base has dropped by 16 percent, while the number of manufacturing jobs in countries including Brazil have declined by some 20 percent, he pointed out. “And one of the largest losers of manufacturing jobs has been China,” Miklovic added. “We like to pick on China and say that all of these jobs are going to China, but they’re losing jobs in manufacturing as well.”

The reason for the job losses? Miklovic summed it up in one word: automation. Through automation, he said, “we are really doing a good job of improving the productivity of people.”

Miklovic reminded media attendees at the panel session that 25 percent to 30 percent of the U.S. population was at one time involved in agricultural jobs. But today, only 3 percent of Americans work in agriculture, yet they have turned the United States into a net agricultural exporter, he noted. “The same thing is now happening in manufacturing,” Miklovic said. “Through automation, through improved productivity, we’re driving the number of jobs down on a global basis.”

Job loss in India

Confirmation came from another panel participant, K. Muralidharan, senior general manager for Sundram Fasteners Ltd., a major Indian automotive parts manufacturer. In India, he said, growing use of automation is holding down manufacturing job growth despite the large amount of outsourcing work that is flowing to the country. “I find that outsourcing in India has actually cost jobs in Indian industry, though in the long term, it will probably have a positive effect on employment,” Muralidharan said.

Manufacturing employment remains at about the same level in India today as it was during the recession of the late 1990s, according to Muralidharan. “The Indian economy is booming now, and it is predicted that in the next five years, the curve will only be upward. But still, the jobs and employment are not really growing at the same pace,” said Muralidharan. “The economies of scale that have been created due to outsourcing from developed countries have forced Indian industry to take on automation heavily, which was not the case about 10 years back,” he said.

GartnerG2’s Miklovic noted that the use of automation contributes to a cyclical situation in many industries. When a U.S. manufacturer develops a new product, for example, the company has first-mover advantage for a time. But in the next phase, when other manufacturers enter the market, competition often shifts to price. In response, some U.S. producers may move manufacturing offshore to developing nations, to take advantage of lower labor costs. However, said Miklovic, they frequently find that the level of automation and technology available in developing nations is less than that of the United States.

This means that U.S. manufacturers who then invest in sophisticated automation technology at home can gain the upper hand for a time over lower-priced imports, thanks to the higher quality product allowed by the automation, said Miklovic. But the automation technology used in the developing nations eventually catches up, giving products produced there the advantage, he added.

“We see this in semiconductors all the time,” Miklovic said. “Semiconductors typically have been produced in Japan and Taiwan. But now there is a booming semiconductor market that’s starting in China.” While the density and sophistication of semiconductor chips produced in China cannot yet match that of Japan and Taiwan, said Miklovic, China’s technology is moving in that direction.

“Automation only works for a period of time,” said Miklovic. The lesson for manufacturers is that they must continually reinvest in automation and innovation, he said. “If you stand still, ultimately you lose.”


Inetekk a USA company
Thomas Prendergast
Fall 2007
Corporate Site: Inetekk.com, Inc.
Inetekk was built in America by Americans!

All programming done by Americans
Sure it cost us more to build the Inetekk technology by ourselves and outsourcing to US programmers and US software developers. The prospect of sending our work abroad was never a consideration. Primarily doing so we lose the security of proprietary development to another country were we have little if any legal control regardless of how cheap that option could be. Then quality and communications is another factor, but we are also sensitive to doing business within our culture because of the process of getting what we are looking for and having the ability to have laws in effect that protect our interest in getting just what we are paying for.

Customer support by Americans
We are constantly getting offers to do our work at deep discounts by these foreign nationals, primarily India, but we are not cheap price motivated. Even our support service is run by Americans in America. We may ad to our support from Australia, but that is because they can offer the needed time frame for that region, not a cost consideration, so we can offer 24/7 seamless support for our clientele. Plus we have many Australian and New Zealander subscribers using our services and we love their accents.

Collocation in San Jose, CA USA
When we first started building the Inetekk systems, we went from a shared server in Florida to needing our own servers. We could have co located our servers in a foreign company for 1/3rd the cost but we realized by doing so our proprietary technology and secured databases would be at risk. Not a good idea. So we contracted with a well know company in San Jose. This was expensive but a very good decision. As the Internet has grown, the necessity to keep your data well secured is of the utmost importance and again, keeping this service local has proved to be a very good decision.

Servers built in USA
As we started building our server farm, again quality and service were the key issue. We went to a local shop in San Diego and hired them to build them. The first server, unaware to us, was built from foreign parts and within weeks the server started having failure issues. From then on we have demanded that all parts be US made as best we could and we have never had issues since. Our farm now runs with US made servers like NetAps, Intel, etc.

IT services by Americans
As with any server farm and web systems, having good IT professional's is imperative, and again, we hired US IT database engineers and server engineers. Same reason as our security is key and far more important than cost. For example, to use foreign IT services cost around $10 per hour. US costs are around $150 per hour. In my humble opinion, you get what you pay for.

The bottom line is future forecasting. I subscribe to the belief that our customers deserve the very best. Not only in the quality of the service, or the best customer support, but also security and the dedication to keep Inetekk around for the long run delivering the very best.

It seems the the big corporations in the US have lost sight to this fact and are all heading for serious issues as they continue down this road to losing control of their companies to the quest for seeking the lowest prices regardless. Take the Mattel toy company for example. Not long ago all their toys were US built. Today, they have lost major market share because the toys the sell now coming from Red China are toxic and low quality. It is scandalous that our children are getting toys painted with lead paint.

The future is at risk.

Thomas Prendergast
CEO
Inetekk.com, Inc.


Your job is secure if you are your boss
Bill Repp
October 14, 2007
Reprinted from: commercialappeal.com

Q: I've been out of work for nearly five months, and the prospect of getting a job in my field (mechanical engineering) doesn't look good -- unless I want to move my family across the country. I've always wanted to have my own business, but I'm worried about the comparative lack of job security that goes with it. What's your opinion? I'm over 50 and in good health. -- Deidre N.

A: You have a lot going for you: you've always wanted to have your own business, you're over 50, and you have good health. Security? You don't have it now, and you didn't have it when you got laid off. I don't think there's anything more secure today than working for yourself. Companies will cut any costs they have to just to stay in business, and the popular trend for the past several years has been to cut staff -- fast. And consider this: when you work for someone else -- big company or small -- only a few people -- your boss and one or two more managers -- control your future security. But with your own business, if you lose a few customers, you still have others to back you up. I've always thought that having my own business gives me more security, not less, than I'd have if I worked for someone else.

Another stunning fact of life: at 50, you're more likely to be more successful at hiring yourself than trying to convince someone else to do it. Fortune magazine once ran a cover story: "Finished at Forty," detailing the corporate trend of hiring younger people. As one CEO put it: "Why should I hang on to someone who's over 50? He's tired of the long hours and wants to spend more time with his family. He probably hasn't kept up with the newest technology. I have to pay him $75,000 a year or more, and he argues with me. I can hire someone in his 30's and pay him $35 to $40,000. He'll work 60 to 70 hours a week without complaining, and he won't argue with me. This is a no-brainer."

What Do YOU Want?

My best advice: do what feels right for YOU. When you're motivated and committed to a career you really like, the money and security usually take care of themselves. There's a big difference in putting in 50-60 hours a week into a job you love, and one you just feel so-so about. If you don't look forward to going to work when you get up in the morning, you're in the wrong job. Life is too short to work at a job you don't like.

Think carefully about how you want to spend one-third to half of the rest of your life (your waking hours). It you really think it's time to have your own business, then write your answers to these questions. They'll also form the foundation for a good business plan -- an absolute must if you want to succeed.

How would you describe your business (name, location, product/service?)

How would you describe your total target market -- the customers who will be willing to pay you for your products/services?

What industry, local, or consumer trends or needs will you react to?

How would you analyze, and then describe your competition (how many; current prices; their strengths/weaknesses)?

What are your marketing and business goals?

What are your first-year growth problems -- and how will you solve them?

What finances will you need to start the business and keep it going until it can stand on its own? How will you get them?

What's your operating plan for the next five years? (At least half of the new businesses started each year fail within the first 12 months. You must plan for a long-term business.)

What's your management plan to control and develop your basic operation/service?

What equipment, inventory, labor, space, overhead do you need?

Talk to Your Banker

Once your business plan is ready, prepare your personal financial statement (all your assets and liabilities). Next. prepare a projected balance sheet and profit and loss statement for your business -- at least for the first year. Then it's time to meet with your banker.

A good banker can advise you on the likelihood of your succeeding in getting a loan. He or she can point you in the right direction to get additional information. An excellent source for learning about starting your own business is on-line: Search for "sba.gov" and you'll discover a site that has all you need to know to write your business plan and finance your business. You'll even have models of nearly 100 business plans to study and benefit from. The rest is up to you -- and your energy and commitment.

Bill Repp is president of Organization Development Group, and has extensive experience in creating and delivering programs in marketing, communication, team building and business writing. E-mail Bill Repp at billrepp@rochester.rr.com


Testimonials
Inetekk Systems
November 09, 2007
Hear them live:
Sohomatic Back Office
NOTE: All of these testimonials are recent and unedited
When you subscribe to the Sohomatic back office you will be able to meet many of these people and hear their recorded meeting talking about what this system has done for them.

Butch Hamilton


My name is Maria Angelozzi. I signed up previously, as a Silver member and was truly, amazed with what the system has to offer . I want to Thank Thom, and Mike, for putting such a Wonderful system together, and allowing others to share in this Wonderful Opportunity! I also, want to Thank the Trainers, they are all Wonderful! :)

Thanks Again,
Maria Angelozzi


I became Gold Veretekk member in April 2007 and just recently started working on SEO. Today I got #20 out of 438 million for submit or post on Google, #1 for submit or post classifieds out of 56.7 million and for submit or post classified I got #'s 1,2,5,21,26,27,39,41,45, and 46. I get good results also for submit or post classified ads, submit or post classified ads free, and submit or post classified ads free, online.

For the keywords free premium email leads I have the first 5 returns and the 10 return on page 1 of Google. I am anxious to see what this will start doing for me. This really is working!

Lonny Heiner


I am amazed at finding my website at the top of the list in Google. Try keywords "premium leads verified" to find my press release and my PremiumLeads.biz website. I also use the Veretekk SEO training to get my wife's website at the top for the key words "art and fine craft front range". Her website is Rosahnda.ws I thnk Veretekk is the best in teaching SEO and I do not find anyone else doing it. Other website builders give me the feeling that it is "optional" and they do not tell you where to get the training. Score a big one for Veretekk!

Ron-Smalley


Veretekk Internet Marketing At Its Best

Today I had a pleasant surprised whilst researching for an article on the importance of personal branding to improve SEO results. I discovered that as a result in putting into practise what is preached by the trainers in Veretekk and by use of the Veretekk Search Engine Marketing Portals it is possible to get prominent positions in Google.

I was a Silver Veretekk member for two years before I discovered the power that lies within the Veretekk Marketing System. It is not an easy system to understand but with the expert help of trainers such as Butch Hamilton and Leo Silvestri, I began a journey which is leading me on the road to my goals.

My business is growing with out having to send out emails, surf for hours, join traffic exchanges and safe lists. My sites are taking on a life of their own and people are contacting me, and as this success is growing, I am able to pass on what I am learning to others and it is most rewarding.

I still have much to learn in this ever changing Internet world but can honestly say there is nothing to match the Veretekk Marketing System

David Ogden


There are more, a lot more, but you get the picture.