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Feeds for [ ] 1. 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. 2. 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 3. Why your business needs a legal plan
4. 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 5. 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 6. 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 7. 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 8. 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 9. 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 10. 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 11. 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 12. 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 13. Legal Blog on Active Rain
14. 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 15. 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 16. 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. 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 17. 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 18. 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 19. 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 20. Just read Business Legal Help 21. 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 22. 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 Keywords: legal help prepaid membership attorney employer employee quick 23. 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 24. 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 25. 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 26. 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 27. 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 28. 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 29. 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 30. 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 If you’re looking for opportunity, don’t miss this online exclusive. 31. 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 32. 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 33. 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 34. 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 35. 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 
36. 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 37. 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 38. 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 39. 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 40. 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. 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 41. 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 42. 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 43. 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 44. 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 45. 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 46. 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 47. 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 48. 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 49. 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 50. 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 51. 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 52. 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 53. 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 some |
