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Is the Prepaid Legal Membership Really a Ripoff?

Pre-Paid Legal Services, Inc. is the most widely known company that offers legal expense plans. There are other company’s but Pre-Paid Legal Services is the oldest. They have been in business since the early 70′s.

I was sold a prepaid legal membership two years ago by a friend. The way he explained the membership to me was that it was a life events legal plan. This meant that Pre-Paid Legal’s membership is designed to keep customers out of legal trouble before it gets too big. Prepaid legal offer’s a range of services from legal consultation, letters and phone calls on your behalf, contract and document reviews, wills, power of attorney’s, moving traffic violations, lawsuits, audit’s, and will’s.

When I got my membership I didn’t have a will and I was too afraid to try to fill it out myself without an attorney so that part of the membership was a plus. I also liked the fact that I had help with speeding tickets. There are a lot of speed traps in South Carolina where I reside so that part of the membership gave me peace of mind.

However, I think the most POWERFUL part of PrePaid Legals membership is legal consultation. For a measly $17.00 a month I have an entire law firm on retainer for legal advice. If I need to speak to a tax attorney, real estate attorney, family law attorney, criminal attorney, etc. I can talk with them without worrying about being billed.

I run a small business and need access to advice throughout the year. The business consultation I have received has saved me loads of time and money.

$17.00 x 12 months = $204.00 a year.

Is a Prepaid Legal membership a ripoff? That all depends on how you view your membership.

There are exclusions to PrePaid’s memberships that will not give you FREE coverage for some of the most popular legal problems. “Divorce”, “Child Custody”, “Bankruptcy”, and “Drugs and Alchohol”. Customers can still get help they are just offered a discount of 25%. This is where you see the most complaints to a Pre-Paid Legal membership. They are either oversold on how to use the membership or they believe they should have all their legal problems covered FREE of charge for $204.00 a year.

Friends, this is planet earth. This is not middle earth.

There is NO way a law firm can do everything for you for free.

To date my Pre-paid legal membership has saved me over $500.00 and in just two years of service. My attorney’s have also saved me time off my job for traffic violations and having to go to court.

5 Tips to Be Successful With Your Home Based Business

When you are running a home based business, you will have just you, your computer and your home. You will not have a boss and there is no one to watch out what you are doing. It is not that home based business is easy. Just like your boss, you have to be committed to your work and develop your own business. Working from home gives you the advantage of utilizing your skills to the fullest because you know what you are good at. Even at your home, you will have problems to face. However, the greatest advantage with home based business is that you can take a break whenever you want if you have to find solutions to your problems. This freedom must be exploited in a proper manner for running a home based business.If you have found a niche, target market and business goals, it is easy to setup your home based business. Getting profits from your business is the main reason behind starting your own business and to achieve this goal, you have to know how to run your business successfully. The following tips will help you to run your business in a well organized manner.1. Be prepared to spend a lot of hours working for your business. Many home business owners fail because they assume that they can work less if they have their own business. You may have to spend about 60-70 hours every week to run your business smoothly.2. Schedule your day properly. You have to come up with a to-do list for the tasks to be completed for your day. You have to schedule all the business tasks on your own depending on the priority of the task. There is no one to dictate you what should be done and hence, only with proper planning, you can run the business successfully.3. Try to develop all the skills required by your business. To be your own boss, you have to play the roles of all employees in your home based business. Sales, marketing, financing, and other business departments require different types of skills. You have to become the jack of all trades to execute your business tasks even though you have hired persons to complete those tasks.4. Network with your peers and try to develop your business network. You have to get clients, service providers and leads for your business. This is possible only when you interconnect with others. You should find other home based business owners through online and offline means to stay connected.5. Stay motivated. The most important thing about running your own business is to keep your energy levels up all the time. You will have some bad days and you may have spoiled moods. Your family members may sneak in and disturb you during your work time. Despite all the distractions and business issues, you have to keep yourself motivated. You can definitely feel proud about yourself because you are a business owner. Reward yourself from time to time and celebrate small successes which will keep your spirits high.

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Christian Home Based Business, Work at Home Opportunity Provides You Financial and Spiritual Growth

According to the Bible, serving and helping others is a kind deed. The Bible teaches people to stay positive, trust your capabilities, and believe in God. Whatever you do should be dedicated to him if you really want to be successful. One of the ways in which you can actually do this is by starting a Christian home based business work at home opportunity. A business of this nature will enrich your life financially as well as spiritually. Single mothers, husbands who have lost their jobs, stay at home mothers can all contribute to the family income while spreading the word of the Lord.Get More Satisfaction from Life With a Christian home based business work at home opportunity, you will be able to combine your faith in God with your business. It is another way of earning money while developing yourself spiritually and helping others do the same. For this reason the satisfaction and fulfillment that you will derive from your life would be quite rewarding. Your journey would allow you to understand yourself better. Though it may be a little difficult for you to actually start your business and make it successful, you should have faith in Him and must continue to work hard. Research well, contact the right people and everything else will fall into place quite simply.What Type of Business Should You Start?There are several different types of Christian home based business work at home opportunities that you may want to consider. You can start a Christian online bookstore. This is one of the best ways in which you can reach out to thousands of other Christians and help them grow spiritually. Your target market would be spread throughout the world. With little financial capital, marketing skills and management skills it is possible for you to set up the store and get things growing.Start a marketing business by marketing Christian services and products from home. If you manufacture products of your own you can set up an online store and sell them quite easily. If you don’t have any products or services of your own to sell you can always try affiliate marketing. There are several great affiliate marketing businesses that you can select from today so you will have to research well to find something that is suitable for you. With a business of your own you will be able to enjoy financial freedom while sticking to your faith. A Christian home based business work at home opportunity will allow you to grow financially as well as spiritually so that you can have a life that is truly fulfilling in all possible ways.

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