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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.

Considerable Factors Involved in Product Creation & Marketing

The niche you have chosen should allow creation of more than one product or service. With the technological advancements in the hosting industry, from automated control panels and scripts that simplify creation of accounts, to complete turnkey solutions; there is no need to worry about spending time on the real products sold to the customer. The main ones are keyword selection, sales copy principles, graphics, affiliate programs, product creation, online payment processing, auto responders, and search engine optimization.

Once you’ve earned money from this type of information product business, you can invest in the creation of your own products if you want, or start offering more informational products that allow you to sell your knowledge. But the creation and production costs of a similar big ticket in sequence product, although higher, are still pretty low. A key by-product of this process will be the creation of 3-D, Computer Assisted Design art.

The Association for Financial Professionals permits the following activities for repatriating funds: Research and Development activities, advertising and marketing programs, hiring and training new recruits, acquiring patent and other rights to intangible property, improving transportation, funding capital investments with the purpose of job creation and job retention & funding product responsibility or environmental claims.

It prohibits certain activities like: Tax payments, Payment of executive recompense, Payment of dividends, Redemption of stocks, Debt investments and Portfolio investments. Therefore, before repatriating the money, you must consider whether it is worth or not.

Checklist on what artist and product development necessitate includes: Exceptional vocals, musicianship and/or songwriting skills, Continued education and enhancement of musical skills, Quality equipment, Performance ability, Image creation and maintenance, Plan of action, goal setting, excellent promotion materials including photographs, press releases and artwork, Business management skills, Marketing, Publicity and Promotion knowledge, Online and Offline Professional management, Basic knowledge of recording, producing, engineering, and mastering, Basic knowledge of manufacturing, distribution, and sales online, brick and mortar and air-play, Good choices in members, staff and advisors, Physical and mental preparedness, Basic knowledge of finances, accounting Law and legal issues etc.

The goals for doing so are for the product owner to: Communicate the whole, Determine and communicate when releases are needed, Determine what functionality is sufficient for each release & focus on business value derived from the releases. The delivery team on the other hand will see the whole, learn about the steps to realize the vision, learn the business priorities, provide technical input to the roadmap and provide estimates for the projected features. The salesperson must lead the prospect through the various decision criteria needed in order to secure a sale. Whether your idea is the development of a product, launch of a service business, or even the creation of an event or program for a non-profit, creativity is the root of all entrepreneurial efforts starting with the vision itself.

People quickly learn to spend their time on marketing and product creation, rather than repetitive tasks. Apart from empowering companies and individuals, there should be a particular focus on identifying labor intensive businesses that have the potential to make a significant and positive impact on employment creation as well as those businesses that have a product or service offering for export markets with the final objective of booming local economies.

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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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