Thursday, September 13, 2012

How to Start a Profitable Home correction Referral service

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Home revision referral services are cropping up from New York to California. They are taking the time to do the legwork to find reputable and trustworthy contractors and these businesses are reaping profits from good work.

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It of course doesn't take much to start. A home revision referral assistance firm takes only a small money and not more time than a regular 40 hour a week job. They can of course start making money within the first year of business.

The first thing to reconsider is what types of home revision businesses your will refer. This can include gutter cleaning and replacement, remodeling, building additions, fencing, lawn maintenance, and many others. Remember, all though you may like to paint a client may not like it or have the time. Therefore, no firm should be overlooked.

Once you have an idea of the types of contractors for your referral assistance business, you will need to call the local, county, and state government offices. Get the regulations and requirements concerning licensing, bonding, firm registry, and insurance for each type of contractor. This is the first step to building your list. Any undertaker of a package deal that does not meet government regulations should not be on your referral list.

By knowing these requirements and using them, your home revision referral firm will gain credibility with your clients. They will know that if the undertaker of a package deal doesn't meet these requirements, they will not be on your list. It makes the client feel more sure the job will be completed professionally and correctly.

Another way to ensure creditability of your referral assistance firm is to only look at contractors that are recommended by their past happy customers. But this is not the end of the screening process. Recommendations are not enough.

Once a undertaker of a package deal is recommended to your home revision referral business, you need to check out his or her service. Talk to them, explaining your referral assistance business. Many contractors will give you the needed data happily. Ask to see their licenses, bonding information, and insurance to ensure they are current and up to date. Ask for a list of services they supply and the cost for these services. Ultimately ask for references you may speak to.

Now you have gotten your undertaker of a package deal referral list started. While working on creating this list, you should have started thinking about a name for your referral assistance business, advertising, office area, office equipment, and ordered a phone line for the business. You may want to use a computer right away, but an index card or file ideas could work just as well and for a fraction of the cost, until your firm grows. Keep in mind that as your firm grows, the office space, office equipment, and referral list ideas will probably need to come to be computerized to save time and money.

Since your referral firm is going to begin locally, check with local newspapers and periodicals to see if they would be concerned in doing an report about your business. Make some flyers and ask local hardware market if you could leave some there to advertise your service. You may also want to send letters to realtors announcing your business, they can be great advertisers for you.

Make your services free to the population calling into your firm looking for referrals. Many home revision referral businesses payment the undertaker of a package deal everywhere from 6% to 15% depending on the size of the project. You put the customers in touch with the contractor, and upon completion of the project, the undertaker of a package deal pays you a fee.

Advertise that no contractors pay you to get onto your referral list. If clients or contractors ask how they get on the list, expound to them the only way for a undertaker of a package deal to get on the list is for a buyer to suggest them. You may want to expound the whole screening process to let the man know the exact qualifications the contractors need to have before being accepted.

A referral assistance firm can advance of course and rapidly. Once your firm starts to grow, generate a firm plan to set goals. Decide how much you want to advance and reconsider beginning franchises in other locations or expanding the list to include contractors that were not included originally. This is your home revision referral assistance firm and you can take it wherever you want.

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Wednesday, September 12, 2012

How To Build A thriving Team - 7 Key Components

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How do you build a victorious team? Are great leaders born or made? Can you buy a winning team?

How To Build A thriving Team - 7 Key Components

Take for example the New York Yankees with one of the top payrolls in the Major League Baseball. They make the playoffs by winning their department or obtaining the wild card every year, but the ultimate title of a World Series Championship is never guaranteed. Why?

Yes it's true. In sports, there are some not-so-controllable variables such as team chemistry and luck. However, creating a victorious team all starts with a great leader who identifies and implements all that is required to build a winning team.

This applies to firm as well as sports. simply replace the sports-lingo with firm terminology. Whether you are coaching a sporting team or managing of a high tech company, the components required to build important teams are the same.

Here are my philosophies to teamwork & leadership that I've applied in firm as well as sports:

1) Find the right players. Talent helps because you can't make a donkey win the Kentucky Derby. If you need a Database Administrator, don't hire or promote a Help Desk who played with Microsoft Access.

2) Give each player a valued role. every person is important, from your cleaning staff to the Ceo. every person needs a valued role and team ownership, to create a sense of self-esteem to the individual. Without them, you couldn't be a team.

In acting, the supporting actor is just as important as the lead actor. In Baseball, the pitcher may get all the glory, but man has to play right field to make a team of nine players. Leave the personel ego aside, don't worry about the glory.

3) create a unique identity to the team. Give your team a nickname, or good yet, let them decide one. Sometimes that reasoning edge is all the belief they'll need. Success is all about confidence. Success is a team spirit.

4) Commit to excellence, not winning. The citizen on your team must have the drive to succeed. They accomplish and execute even their simplest tasks with pride.

In sports, winning is the end corollary of a numerical score. You can win a game numerically, but lose the game in reality and execution.

Thus I prefer to use the term excellence. If you're a janitor, then you set out to be the best janitor out there.

5) Give them a vision. A vision inspires and motivates the players or employees.

What drives them? What is the goal? Going Ipo for a start-up? Super Bowl? Money? If you have man on your team who is there just for the money, punching in at 9 am and punching out a 5 pm, that man isn't going to help your team succeed.

6) Play or work with passion. Every man on your team must love what they are doing. They must be passionate about their expertise. Such individuals don't sleep in very often. They are up early, ready to get the day started.

7) Get out of the way. Sometimes, you just have to give them the ball and let them do their thing. Stay off the field and let them execute!

When you're getting it right, the end corollary is ordinarily a team whose sum is greater than the personel parts, achieving more with less.

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Tuesday, September 11, 2012

A Quick Jolt For the Auto Economy, Plus Ten

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Thirty Billion Dollars is a huge amount of money, but it translates into less than 0 per Us person--- a small price that we should all be willing to pay to give the Automobile business time to restructure itself and to save a few million jobs.

Give them the green, but have them pay it back in a more economy and environment friendly manner. Here's the deal:

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Every new American-made car buyer would receive a debit card along with his possession papers. The card could be used for anyone other than the car buy itself. Card amounts would vary from ,000 for "smart" cars, straight through ,000 for fuel-efficient sub-compacts, ,000 for other borderline greenies.

A Quick Jolt For the Auto Economy, Plus Ten

The debit cards would lose 20% of their value per month if not negotiated. All debit cards would function as free passes for all highway tolls so long as they are used with the permissible automobiles.

The 60's gas-guzzler tax would be resuscitated and applied to all V-8's, Suvs, low gas mileage vehicles, and non-commercial-use trucks--- none of which would be eligible for the debit cards.

The tax would apply to all cars, foreign and domestic, and would be paid directly to a new incommunicable enterprise formed by the top ten Us assurance companies. This enterprise would be the prototype enterprise model for annuitizing the existing pensions of communal safety recipients.

And for the rest of us, let's encourage our elected representatives to try this list of popular economic stimulus ideas. Or, maybe a better option, we could just fire them and start over.

One. Phase out all corporate income and nuisance taxes over a three-year period, 50% immediately. Then, assure that corporations use 60% of the savings for job creation and/or non-executive salary increases.

Two. Eliminate all death and gift taxes at any level.

Three. Eliminate all taxation of seclusion income received from any source (including communal Security, Iras, incommunicable pensions, 401(k)s, etc.), and paid to persons age 55 and over.

Four. Slash communal safety taxes 50% for every employed person, and originate a mandatory deferred annuity agenda (see Ssria) for younger workers. Phase out corporate matching communal safety contributions over three years, as above, and matching self-employed contributions immediately.

Five. Implement a tort reform strategy that reduces all claims and legal fees by no less than 60%, and provides controls to assure that assurance premiums are reduced commensurately. Adopt a religious doctrine of personal accountability for poor judgment, ignorance, stupidity, and recklessness.

Six. Found a usury law that limits reputation card interest rates, requires monthly debt allowance for card eligibility, and outlaws all extra late fees and charges. Allow providers to freeze delinquent accounts, but require flexible interest rates based on reputation scores. A rate cap and outlawing the unsolicited mailing of reputation applications is imperative.

Seven. Found a 10% Federal Sales Tax on all cash (currency) payments for goods and services. Federal sales tax receipts would be used to fund annuitizing of communal safety payments and to fund Medicare payments.

Eight. Replace the Internal income Code with a mixture of the Fair Tax and Flat tax proposals that have been circulating straight through the Congress for too many years.

Nine. Adopt ample shareholder safety legislation that would operate and regulate abusive salary and advantage structures afforded corporate executives.

Ten. Eliminate income taxation of all forms of investment income, along with rent, royalties, capital gains, and interest. Landlords would be required to cut rents proportionately.

Or, stop the war and spread the wealth around.

see A Quick Jolt For the Auto Economy, Plus Ten

Personal Finance Technology Trends For 2012

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Hello and here's wishing all of you the best of health, wealth, peace of mind and success with your financial goals in 2012.

I plan I'd start the year off with some trends; especially in technology, that might help you best meet your personal financial goals, because there are a host of personal finance services and applications, or apps as they're called, that are going to change the way we Americans invest, bank, track our finances, shop, get coupons and so on.

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Some of these apps use the web, but increasingly, many are ready on movable devices because more than a third of all American adults now carry "smartphones" with splendid amounts of display using processors that are as qualified as the ones in your laptop.

Personal Finance Technology Trends For 2012

In fact, if you're like many of my clients who've been holding out against the invasion of technology you might want to reconsider your decision in 2012. This might just be the year to allow the benefits of these innovations to help you gain best operate over your finances.

Maybe now's just the time to stop using a pen to write checks, paper to track your expenses, and scissors to clip coupons, to let technology streamline this process for you a little, and in so doing, to add to your savings and lowest line. Because, let's face it, your best coupon deals or hotel and airfare discounts no longer come as inserts or advertisements in your newspaper but go to those who use the Internet.

So here are a few ideas for you to reflect on and reconsider opportunity yourself up to, and while I encourage you to listen to these with an open mind, adopt only those that you are 100% comfortable with, knowing full well that you could always revert to paper and pen if this turns out to not be your cup of tea, so here are some new ways to think:

1. Think "Mobile Money" How does that sound? Well, here's the lowdown. With technology where it's at today, you can now wave your smartphone in front of an challenging gadget to make all sorts of payments, and this trend appears to be for real catching on because it helps retailers, mass transit operators and others sell more while cutting down costs. With movable money, your smartphone is securely related to your bank or reputation card catalogue and saves you the hassle of carrying a card, swiping it, getting a bill, signing it, and so on: and it saves the seller money too. Moreover, I infer merchants and aid providers, such as Google Wallet, are going to make this more challenging by gift promotions and discounts to folks that adopt this movable cost technology, much like they offered incentives in the early days of the Internet.

2. Think: man to man Payments. Remember how, when you're at a cafeteria with friends and it's time to split the bill, you whether ask for separate bills or fumble for cash to pay your share of the bill. Well, how about just clicking your smartphones against each other and you're done? companies like American Express, Mastercard, Visa and PayPal now offer a host of services that let you for real exchange money between friends using verified bank or reputation card accounts. This makes sending money over the street, neighborhood or country faster, easier and less expensive, and remember, you are always the bearer of any charge your bank or reputation card enterprise incurs in all the transactions you make, so if this technology reduces costs, chances are, some of these savings will flow straight through to you too.

3. Think: Money Management. There are new web sites that have also turned into apps on your smart phone, such as Manilla.com which I mentioned a few weeks ago in my interview with Terry Savage, and Pageonce which help you administrate bills, payments, subscriptions, coupons and more; for free! So you never have to worry about a missed payment, late fees, trips to the post office, stamps, missed deals where you could've used a coupon to save big, and so on. What's more, many of these services for real have an environmentally cordial agenda and want to help replace paper clutter with electronic catalogue statements. Other, more specialized sites such as savvymoney.com help customers administrate their debt: reputation card payments, mortgages, car loans, and automatically give you tips on when to refinance or make extra payments to sacrifice your full, interest expenses, and so on. Others like betterment.com are designed to simplify investing and ultimately there is mint.com, whose Ceo I interviewed about a year ago which was the first site like this out of the gate. And it's a good site to bring all of your financial accounts together. So, with an open mind, check them out and sign up for the ones that make sense to you. And remember, you can always opt out if you don't like 'em.

Now, before I go further, I want to stress that I am not recommending these definite sites or validating what they offer but merely citing examples of technology advances in personal finance that are worth exploring further.

4. Think: Personalized Deals. We all heard about the promise of personalization, and while this has happened to some extent with the Internet, it hadn't quite panned out in the personal finance space, until now. In fact, to understand personalization, reconsider trying this experiment. Take your laptop over to a friend's house and type in the same hunt phrase: say, "top 10 deals in Miami" in google.com or any other hunt engine: your friend on his computer and you on your laptop using your friend's Internet association while sitting right next to him, I am almost 100% unavoidable that your hunt results will differ because hunt engines personalize hunt results to your browsing history. The good news is that with smartphones and location-based services, shop can now know when you walk into them, what your purchase history and profiles is, and entice you with special offers just for you: personalized discounts and on the spot deals to customers willing to opt into these programs. And frankly, for the most part, you have microscopic personal data to lose that you haven't already lost by simply using the Internet, Facebook, email, hunt engines or smartphones at home!

I know it sounds a microscopic scary: like an Orwellian universe, but it's not as bad as all that. You have the right to opt in or opt out of any of these services.

5. And Finally, Think: collective commerce. The Internet spawns strange terms like this one, but what the heck! Apps now let you borrow or even legally take money from individuals over the world: who might want to give you a loan where they believe in you more than a bank, help you out in a crisis, lend you money to do up a kitchen or bathroom, or simply spend in a great idea: secret individuals reaching out to each other and opportunity their wallets in what's called collective industry without borders. Check out sites like weemba.com or kickstarter.com if you have an idea you think others may want to fund. It's for real pretty cool to think that banks will no longer operate what you can and cannot do, financially. I love the free markets.

But don't think large banks and corporations aren't watching all of this very intimately and actively stepping in where they sense success: so in 2012 you will likely see a lot more happening in the space of personal finance technology... And as we kick off the new year, I urge you to try and "get with it" if you like, and search for ways of saving time and money by using technology to your advantage.

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manage Your Life Successfully

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Do you want to reach your maximum potential? You can do this by doing things that will help you carry on your life successfully.

When you do something, do not attempt to accomplish any succeed that is less than perfect. Put your best attempt into all you do. If you cannot excel at what you do, ask for help and do all else you can to learn how to do your task better.

Replacement Social Security Card Application

Do not limit yourself. When you must do something that is legal and moral, do not say, "I can't do it." You set yourself up for failure when you are convinced you cannot succeed.

manage Your Life Successfully

Develop your communal skills. How far you will go in life often depends on how well you work with others; therefore, you must come to be good at getting along with others. Never be rude to anyone. Get into the habit of sharing and working of course with others. Adapt others sometimes.

Learn to use good manners. When you want others to give you something or do something for you, ask politely. For example, it is best to say, "Will you please do this?" After others have helped you, please say, "Thank you." If you want to retort someone's gratitude, you could say, "You're welcome." Cover your mouth when you are about to yawn or belch. If you suddenly belch or someone is in your way, please say, "Excuse me."

Always dress accordingly. If you are on your own time or you are going to a place where the atmosphere is casual, you may dress casually. Dress more conservatively when going to work. Unless you work on a job which requires fullness of physical labor, it is best to at least wear a collared shirt, nice slacks and dress shoes to be taken seriously, be perceived as expert and increase your chances for a promotion.

Avoid procrastination. If you are a student, begin working on homework and term papers as soon as possible. If you must complete prominent tasks by an established guideline at work, work on those tasks before you do other things. If chatting with someone will prevent you from meeting the deadline, refrain from having a lengthy conversation until you stop what is necessary.

Always custom good hygiene. Floss, brush your teeth and brush your tongue every day. Replace your toothbrush every three months. Keep your teeth and gums healthy. Avoid eating things such as onions and pickles if you are about to be with others some place away from home. All the time put deodorant on your underarms and feet after bathing. Never go more than two days without washing the area below your waist and putting on fresh underwear.

Use good judgment with regard to grammar. Focus on speaking and writing properly in a expert atmosphere. If you talk with a hiring boss or prospective client in someone or distantly, do not talk or write like you were raised on the streets. Submit resumes, job applications and other expert forms with good grammar and punctuation.

Develop a habit of using good preparation. If you have an prominent event such as a job interview arrival the next day, put all you must take such as your resume and communal security card in your portfolio while you are reasoning about it. If you are about to give or invite data on a stationary telephone, take writing materials with you before production a call. Before you start doing something that requires particular supplies and equipment, place all you need into your vicinity.

Do not let yourself be seen as a slacker at work. If you stop your assigned tasks early, do something else you can think of. If you cannot think of anyone to do, ask your supervisor.

Put yourself in a position to find a great career. If you are struggling at school or planning to attend a college or vocational school, buy or check out a good study guide. If you are good with your hands, please attend a vocational school that will train you to be something such as a plumber or electrician so you will get the hands-on taste that should All the time be in demand.

If you are a college student, take a good internship to gain real job experience. If you want to work in the computer field, look for good materials that will help you improve your computer and typing skills if they are currently poor.

Adhere to these guidelines to carry on your life well and get ahead!

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How to protect Yourself From Identity Theft, Fraud and Phishing

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Identity theft is an ever-increasing issue given the sheer amount of people who are having financial difficulties due to the worldwide financial crisis. You can only safe yourself against identity theft, do not leave it up to whatever else to help you.

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There are some basic measures we can all take to cut the risk. The first of which I would recommend would be two have two detach email addresses, one for your financial business, and the other for all else.

So your online banking, PayPal, your accountant and just about whatever you buy online, you should use your financial email address. Use a very difficult password with a minimum of 10 characters along with capitals and symbols and don't give this email address out to whatever else. The reason we contain any purchases in this email is that you are giving your financial data away to these sites included card numbers and pertinently, your address.

Use the email address only for your financial transactions and never give it even to friends. Use your other email address for all else.

It's fairly safe bet why you wouldn't want people getting hold of your bank details or card number, but the reasons run a puny deeper as to why we wouldn't want people accessing this email address. If they guessed your password what would they have access to? A few online buy receipts (with your address on), details of your PayPal catalogue which they can access to withdraw cash to themselves, your online banking login details? You might think "Well just because man can access my email doesn't mean they could access your PayPal or online banking accounts" and you would only be partly correct. All they need is access to your email address and they could ask a new password be sent. Bang! You're in trouble.

If you have to write down the password and place it in your purse or wallet do so, it's best than development it an easy password to guess or hack.

This has been surely focussed on fraud, but there is another, more insidious factor, we need to bear in mind. That factor is identity theft.

Identity theft, to my mind, is worse than fraud. Yes fraud involves stealing your own assets, but identity theft runs deeper than that, they steal your identity and take out loans and prestige cards in your name. When the lender comes calling, they are going to be calling the named lender, you! This can not only hurt you financially, but can also work on your future ability to lend, your prestige and your health.

You are particularly susceptible if you generate relationships online, i.e. From dating or from collective networking. The whole process is ripe for identity theft, it is all about getting to know man so you can give out very personal data while the course of the chat. For example, they want to know how old you are, you tell them because it's one of those things that come up a lot. But let's take the conversation further:

"What star sign are you?" "Wow I'm Virgo too, when's your birthday?" It all seems innocuous enough, but if you tell them, they join it with your age and they have your date of birth as surely as that.

Let's go back to the earlier example of them accessing your email. If you have one email address and you give it out, to replacement photos or something (or bear in mind how much data you show on Facebook) they can go to your email provider and pick the option that you have forgotten your password, they can they find out what your security ask is and whether find the sass by searching straight through Facebook or directly request you. As an example, the security ask might be your first pets name. They then might start request questions about your past. "Where were you born?" "Do you have any brothers?" "Were you a happy child" "Did you have any pets?" and before you know it you're discussing fluffy your first rabbit and how it got stuck in your boots. They can then close the conversation, go to your email catalogue and unblock your inbox.

So they have your date of birth and access to your email account, all they need to do is login, find the receipt for the table you bought a week ago and Bam they have your address. And all they have had to do is ask a few questions, ones that are asked every day, very innocuous.

Let's go back to the conversation. They have asked where you were born. In the Uk the only data man needs in order to get a real copy of your birth certificate is your name, town of birth and date of birth. With your birth certificate they have the basis of your whole life.

Where else can man get your address? Are you on an online directory? Like for example is your phone amount listed? The electoral role? Can they hunt your surname and area and find you?

If you are going to meet someone, do it in a collective place, don't show them pictures of your house or your car, all these things can be traced.

Once man has your address you are open to having your whole life destroyed.

They can apply for loans, prestige cards in your name, they could also convert your address at your bank although this makes it more likely they will be caught. But if man has your address and date of birth, and takes out a loan in your name using your prestige history by telling them you have recently moved address. Of course this means that the lender will come to you on the first default, also your future prestige options will be limited.

Even without your address, if they have your date of birth and birth town it doesn't take much more to get your birth certificate which in some respects can be used to prove your identity. Let's say they want to open a basic bank catalogue in your name, they can take out an electricity catalogue in your name with no Id requirements, when you get your first bill, this can be used as proof of your address, with that, along with your birth certificate, they can open a basic bank catalogue with no prestige facility. But after a bit of time they can surely use your electricity bill, bank catalogue statement and birth certificate to take out a compact phone in your name giving them a prestige file and history. After a bit of time they can use this prestige file to take an overdraft and/or loan in your name, even a mortgage. They can also use your bills to apply for a replacement driving license in your name.

It's surprisingly easy to do all the above simply by knowing your date of birth and address, or in the Us your collective security number.

So you have to safe yourself. Start off by saving your important emails to your computer and deleting them from your email account. Open a new email catalogue and safe it with a top notch password. Supplementary safe it with a security ask that is unusual, one that might cause you to ask it if it comes up in conversation. If all the questions are easy then substitute the real sass with one that you will remember that's incorrect, i.e. Mothers maiden name: table.

Be very rigorous what personal data you give out while general conversation, it might be a good idea to train yourself to re-read whatever you write before you click send.

Be aware also that even your nearest and dearest can steal your identity. I once investigated a case for a woman who's best friend had stolen her identity. In cases like this, I would recommend signing up with a prestige reference branch who will be able to email you whenever a convert to your file has been logged.

Finally, how do we rectify identity theft? Well if you are in the Us, you can call the Federal trade commission on 1-877-Idtheft and the Irs on 1-800-908-4490. You should also article it to the Internet Crime Complaint Center. If in the Uk, article it to the police first and foremost, then perceive the lenders and give them the crime reference number. Keep a close eye on your prestige article and deal with issues as they arise. Give your crime reference amount to your bank and any lenders you have. Any enterprise part of the finance act has guidelines on how to help in these circumstances and they will be able to supply you with Supplementary data and support.

Phishing websites.

Phishing is the practise of man getting you to tell your bank catalogue (or other account) details by way of a form that looks just like the real thing. Most of these scams are done straight through emails and you will receive it from a legitimate looking address, it might tell you that there is a question with your catalogue and you should click the link to get it unblocked. The email looks genuine, the link looks genuine and the page it takes you to looks genuine. The way to all the time stop these in their tracks is to hover over the genuine looking link and read the actual destination link that pops up in a small box, this is the actual destination rather than what is surely typed in the email. Is this destination address taking you straight through to the right place? If not, delete it. An example destination address might read paypall.com and you might miss the extra L if you wasn't specifically looking for it.

Most financial institutions have a fraud branch dedicated to investigating these matters so you can all the time forward on the email to the enterprise it is purported to have come from. As an example, there was a recent story that the Hmrc (British version of the Irs) were sending out tax refunds to people, the stories were correct, but phishers were sending emails to people request them to log onto a fake online form where they could derive the details. Once I read it and seen it wasn't genuine I forwarded this straight to the Hmrc fraud department. whether whatever comes of it they don't say but I hope they catch the culprits.

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Monday, September 10, 2012

Chaos In The New World Order

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funny post Chaos In The New World Order

"Make me one with everything" - Buddhist in a pizza parlour

Chaos In The New World Order

Unification of Europe was first - now the North American Union is in full swing - replete with fuzzy, double-speak, feel good names like Harmonization, Deep Integration, Free Trade, safety and Prosperity Partnership Agreement, etc. These measures, based on negating geopolitical boundaries and securing monopolistic markets, will ultimately lead to the clash of cultures, as has already begun. Of policy the elite will have a explication for the Hegelian problem they created, namely, a new world order - with themselves as puppet masters pulling our strings.

"For more than a century ideological extremists at whether end of the political spectrum have seized upon well-publicized incidents such as my encounter with Castro to attack the Rockefeller house for the excessive sway they claim we wield over American political and economic institutions. Some even believe we are part of a incommunicable cabal working against the best interests of the United States, characterizing my house and me as "internationalists" and of conspiring with others around the world to build a more integrated global political and economic buildings - one world, if you will. If that's the charge, I stand guilty, and I am proud of it." - David Rockefeller 2002 autobiography Memoirs

There is a small, but considerable group of individuals who are the architects and instigators behind the formation and implementation of the New World Order. Their plans characterize a consciously organized effort to bring about an end to national sovereignty and western democracy.

"David Rockefeller is the most conspicuous representative today of the ruling class, a multinational fraternity of men who shape the global cheaper and manage the flow of its capital. Rockefeller was born to it, and he has made the most of it. But what some critics see as a vast international conspiracy, he considers a circumstance of life and just someone else day's work... In the world of David Rockefeller it's hard to tell where business ends and politics begins" - Bill Moyers

Their motivations are the age old human traits of greed and power - their instruments of operate comprise the monopolization of corporate interests and banking, sway of political power, enforcement of laws utilizing a ruthless and centralized military, the manipulation of plan engendered straight through schoraly circles, and the operate of mainstream media which provides the considerable propaganda tool to shape communal consciousness.

"We are grateful to the Washington Post, the New York Times, Time magazine and other great publications whose directors have attended our meetings and respected the promises of discretion for practically forty years. It would have been impossible for us to invent our plan for the world if we had been subject to the attractive lights of publicity while those years. But, the world is now more sophisticated and prepared to march towards a world-government. The supranational sovereignty of an intellectual elite and world bankers is of course preferable to the National autodetermination practiced in past centuries" - David Rockefeller - address to a Trilateral Commission

North America is being transformed from three certain countries - Canada, Usa and Mexico, into a single economic entity called the North American Union. The creation of this new state is being implemented by stealth, virtually without opposition, and in front of an unwitting population.

"The unaware are unaware that they are unaware" - Bo Britz

The method of enforcement for the North American Union is a police state. Under the guise of holding us all safe with anti-terrorist laws, citizens will lose their civil liberties preventing any dissent against Big Brother.

"Terrorism is the best political weapon for nothing drives population harder than a fear of sudden death." - Adolf Hitler

"There ought to be limits to freedom" - Gw Bush

Learning the truth about 9/11, and its integral part in the formation of the new world order, helps us to understand the concepts and objectives of the globalists. Just as this event has been used to elaborate such horrific acts of aggression and suppression of freedoms, we can use it to expose those who are truly responsible, and start to heal the deep wounds afflicted by such aberrations of humanity.

The ruling elite do not care about human rights, or true democracy, indeed, these values stand in the way of achieving their goals. For the current cabal, the end justifies the means, as vividly demonstrated by the events of 9/11, Afghanistan and Iraq, just to name the most obvious. Their objectives must be implemented with the use of corruption and deceit, plainly because nobody would willingly vote for the kind of world they are trying to build.

"We are on the verge of a global transformation. All we need is the right major urgency and the nations will accept the New World Order." - David Rockefeller

I remember going to the annual exhibition in Toronto as a kid. Inside a tent this magician was waving handkerchiefs over a girl who appeared to be suspended in mid air in front of him. Because I knew that humans could not just float above the ground, I was intrigued and carefully to get as close as possible, and of course look at what they were doing. Sure enough, the loose drapery hanging off the table at the back concealed, upon closer scrutiny, a protruding steel bar which held up the woman. I couldn't help but think-as I stepped once again to the back of the tent, a throng of population now in front of me-this is of course a of course good trick, as long as you don't look too close or think too hard.

That's how I feel about 9-11. Nice try, fellas. You gave us a good dog & pony show-lots of fireworks; a quick and ready story filled with a cast of radical Muslim villains, all prepackaged for us to hate; and this guy with a beard in a cave, who can play evil mind-tricks from over the ocean-but the jig is up. And please don't think I'm being flippant or disrespectful to the many lives that have been so tragically taken straight through this horrendous act and all its subsequent horrors.

"The lie can be maintained only for such time as the State can shield the population from the political, economic and/or forces consequences of the lie. It thus becomes vitally leading for the State to use all of its powers to repress dissent, for the truth is the mortal enemy of the lie, and thus by extension, the Truth becomes the most Enemy Of The State." - Dr. Joseph M. Goebbels

Once we expose the fraudulence of 9/11, the entire globalist schedule will tumble like a house of cards, or in this case, a "twin tower". Comprehension this event within its greater context, we can pull the lynch-pin on the plans for the North American Union, and originate some much needed chaos in the new world order.

"Three things cannot long be hidden-the sun, the moon, and the truth" - Confucius

Look up and down the streets where you live. The vast majority of population in this country, and around the world, are just honest, hard working individuals who want to build a life for themselves, raise their families and enjoy their customs.

"There's no way to rule innocent men. The only power any government has is the power to crack down on criminals. Well, when there aren't enough criminals, one "makes" them. One declares so many things to be a crime that it becomes impossible for men to live without breaking laws. Who wants a nation of law-abiding citizens? What's there in that for anyone? But just pass the kind of laws that can neither be observed nor enforced nor objectively interpreted -- and you originate a nation of law-breakers-and then you cash in on the guilt." - Ayn Rand, "Atlas Shrugged"

Although most population are not known of the subtle and the not-so-subtle mechanisms of communal conditioning we are bombarded with on a daily basis, rest assured the elite in fee have an agenda, a timetable, and the means with which to execute their objectives.

"A nation of sheep will beget a government of wolves" - Edward R. Murrow

Here are just some of the documented features and objectives of the North American Union:

- development of a common safety perimeter by 2010

- Implementation of a North American Border Pass with biometric identifiers

- Unification of the border and wide Us controlled customs facilities

- A single economic space that shares a common external tariff

- A North American currency replacing the dollar and the peso that will be called the amero

- Seamless movement of goods within North America

- Labour mobility between Canada and the U.S.

- A North American vigor strategy as a regional alternative to Kyoto

- A North American regulatory plan that includes "open skies and open roads"

- A unified advent on food, health, and the environment

- A permanent tribunal for trade and venture disputes

- An annual North American summit meeting

- Scholarships to Centers for North American Studies

- The Nafta superhighway, a north-south interstate trade corridor linking Mexico, Canada and the U.S. The Nafta superhighway will bypass U.S. Entryways and allow global conglomerates to capitalize by exploiting cheap labour, bypassing local union considerations, and exposing the entire continent to inherent safety risks.

Nafta , Spp, Gatt, Wto and other trade agreements are the means by which the globalist political regime have wide into North America. Distinct from the Imf, which can wield its power straight through financial dispensations to third world countries, these trade agreements supersede local regulatory powers, and straight through the force of national law, ensure that transnational interests are in a sense codified into each constitutional framework.

Opponents to the Nau comprise progressives in all three countries who believe the union would be detrimental to the average citizen. Chief among their many concerns is the loss of sovereignty and democracy, the seclusion of authority to unelected corporations with confidentially contracted law enforcement, and the displacement of a workforce due to an influx of immigrants.

So what can we do? Many things. We have unbelievable power in our numbers and in our inherent economic influence. The ideas would collapse without our cooperation. What we lack is the solidarity of purpose, and assosication of our huge numbers.

"A nation of well-informed men, who have been taught to know and prize the possession that God has given them cannot be enslaved. It is in the region of ignorance that tyranny begins!" - Benjamin Franklin

We are living in a considerable time of change, our number one weapon in this new age is our Comprehension of the forces set to operate us, and an effective response in great numbers from population willing to declare their independence and freedom - there was once a great country built on such ideals.

"Suddenly the whole world is not enough punishment for the wicked, nor reward for the good" - Taoist saying

We live within a duality of perception every moment. Within rages the battle of desire and reality, while on the outside, the antique struggle between those who would work for the advantage of society, straight through peace, and those forces set upon exploiting others for behalf and control, straight through destruction. Alone, we have the responsibility to declare our unblemished sovereignty first as individuals, and by postponement of ourselves, to the greater group of which we are all a part.

Unification does not have to mean deceit and tyranny. National identities and human possession can be maintained while we come together on many things that might advantage us all. Just as we must accept the inner conflicts that cause us to adjust our desires, and with the right choices lead to a reinvention of ourselves in order to adapt, we also must identify and challenge those external forces that would promote marginalization and exclusion of others, and originate struggles that would constrain us in our certain choice between good and evil, and ultimately our potential to survive.

A native American grandfather was talking to his grandson about how he felt. He said 'I feel as if I have two wolves fighting in my heart. One wolf is the vengeful, angry, violent one. The other wolf is the loving, kind one.' The grandson asked him, 'Which wolf will win the fight in your heart?' The grandfather answered: 'The one I feed.' - Native American Story

On the grand chessboard of the power elite in this world, we may only characterize insignificant entities, insofar as we are implicated as individuals. However, when carefully as a group, we can have considerable influence. Our force in numbers only serves our cause to the detriment when we blindly live our lives as earnings generating hunks of flesh that serve as an economic machine for the ruling class - it is our ignorance that works against us. When we are illuminated with the light of truth and understanding, we can then use that power to sway the policy of events and make the big machine grind to a halt, or at least cause a few gold hubcaps to fly off. All this can be ended straight through non-violent means, lest we sink to the level of our enemies, in which case we risk becoming that which we oppose.

"Because we are part of one existence, whomsoever you are hurting, you are hurting yourself in the long run. Today you may not comprehend it, but one day when you become more aware; then you will say, 'My God! This wound was inflicted by me -- upon myself.' You had hurt somebody else reasoning that population are different. Nobody is different. This whole existence is one, cosmic unity. Out of this Comprehension comes non-violence." - Osho

There is room for every person in this world. My beliefs tell me that every human dynamic resolves from its highest intellectual level down to Comprehension and compassion. I know in my heart that we could be caring enough to engender a consciousness where there is notice for all population on this earth. And I know if we use our heads, we could be creative and resourceful enough to find a way to do it while abolishing the act of war itself.

That would be my New World Order.

"If one has a self - it is impossible to perform the great oneness" - Taoist saying

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Investing in the Czech Republic - face of Prague - Part 1: Brno property

--Replacing A Social Security Card of Investing in the Czech Republic - face of Prague - Part 1: Brno property--

find Investing in the Czech Republic - face of Prague - Part 1: Brno property

Imagine if you had bought property in Prague 8 years ago....

Investing in the Czech Republic - face of Prague - Part 1: Brno property

Brno property has been getting a lot of exposure lately. And for good reason. Moving deals in Prague are getting harder to find. Concentration is beginning to turn elsewhere.

Brno is the second largest city in the Czech Republic. Being the company capital of Moravia it boasts some big name clubs such as Ibm, Siemens, Minolta Cr, Honeywell Controls and Fei.

At the end of March 2005, RyanAir began daily direct flights from London to Brno. Flights from Dublin to Brno are rumored to be next on the list of priorities.

In 2008 a major motorway is planned to be completed that will link central-northern Moravia with Poland manufacture the area more Moving for Polish investors and traffic.

Currently, property prices are a third of what is ready in Prague and there is a strong and growing rental interrogate for capability properties.

What are outside sources saying about Brno?
The city of Brno has won the competition for European City of the hereafter 2004/2005 which is organized by the prestigious Fdi magazine, a Financial Times publication, in the kind of Visegrad group cities. It even beat out Prague and Budapest.

"Brno's fast economic growth and high Gdp-per-capita helped to push it ahead of other cities in the region. The judges also gave top marks for its economic inherent and recent Fdi deals Moving Uk-headquartered engineering firm Imi International, Us technology group Honeywell and Us industrialized engineering company Danaher Motion, which between them created 900 jobs. Brno also scored well for its international promotion strategy and incentives."

Swiss company Aguna chose to build their new plant in Brno. The company intends to invest practically 250 million crowns while the first two years. They will be able to hire at least 80 people in yield and development of precision instruments. A large part of the employees will be college-educated specialists.

"The capability level of the work force was the deciding factor for Aguna."

"Their representatives are convinced that they will find engineers in Brno who are just as capable and remarkable as in Switzerland," said Tomás Bohrn, task boss at CzechInvest, and added: "This precision engineering task demonstrates the huge inherent of Brno as well as the South Moravian region to attract technically industrialized engineering R&D investments."

Daikin Industries Ltd. Is a world leader in the yield of modern air-conditioning equipment. After the double-billion venture in Plzen, the Daikin company has decided to build a new facility for the yield of compressors into air-conditioners in Brno. In the first stage, the company intends to invest 1.2 billion crowns and to create more than 500 skilled jobs.

"Our decision to invest at first in Plzen and now also in Brno is strategic and very leading for the future. The Czech Republic should become the leading base for our yield for the fast-growing markets of the European Union," says Jiro Tomita, normal boss of Daikin Europe, and continues: "The facility in Brno will deliver compressors to our subsidiaries in Plzen and in Oostende, Belgium. It is the compressors that are the most leading part and 'heart', which secures the functioning of air-conditioning units."

Symbol Technologies launched operation of their new centre in Brno for shared customer retain and financial services for Europe, the Middle East and Africa (Emea). Stamp Technologies has already invested more than seventy million Czech crowns into technological equipment and within three years plans to set aside another practically half a million crowns for wages, training and operation. The centre will initially hire 200 people and this whole is thinkable, to growth by another 550 employees.

"We chose Brno for some reasons, namely the good offer of remarkable labour, a good site and the good position of Brno in presence to Symbol's existing centres and customers in Europe," said Steve Priestley, Vice President and normal boss of Stamp for Emea. "By concentrating repair, customer call retain and administration of finances, contracts and orders into one European centre we will be able to improve the ample accepted of our services and keep it at a high level for the long-term."

Austrian-German producer of health care and germ-free products Lohmann & Rauscher announced publicly the end of December, 2004 that they will build their new plant in South Moravia. The company is investing more than 41.5 million euros into expansion and modernization of its yield facility here and will create over 160 new job opportunities.

"While the company in Germany concentrates on a excellent part of health care products like plaster casts and bandages, we are gradually transferring yield of healing dressings, operating masks and other surgical products to the Czech plants. yield at the enlarged plant in Slavkov near Brno should be launched within two years and the main customers will be the European subsidiaries of Lohmann & Rauscher," said Rudolf Vonys, procurator of Lohmann & Rauscher s.r.o, and added: "Our final customers are health care facilities all over Europe, for example German, French and Austrian hospitals and Dutch, Swedish and Italian pharmacies."

Japanese company Ohmori Technos Corporation has decided to build a new facility in the area of Brno. At the outset, the company will invest about 15 million euros. Estimations recommend that at least 150 new positions will be provided in the Brno area. yield in the new plant is scheduled to start by the end of 2006.

"Today, the Czech Republic is known as the center of industry in Europe. In fact, a broad range of Japanese clubs have successfully established their plants in the country. Assessing these situations, we have decided to carry out this investment," commented Fumio Ohmori, president of Ohmori Technos Corporation.

The world's largest airline, Lufthansa from Germany, has officially committed, as of the end of February 2005, to opening a new shared services centre in the Moravian side of Czech Republic. The new centre, which will be located in Brno, will aid customers of Central and Eastern Europe. It is thinkable, to hire up to 100 people. This tenth call centre for Lufthansa, named Global Telesales Brno s.r.o., will start operations on June 1st 2005.

"Central and Eastern Europe is a strategic store for us where we plan in the arrival years to double the volume of our activities," commented Stephan Semsch, Lufthansa's Director for Central and Eastern Europe, and added: "We thoroughly assessed 30 inherent localities in total and ultimately chose Brno for its strategically favourable position within the region and its presence to the leading airline hubs of Munich and Frankfurt. Other great advantages of the Czech Republic are its membership in the Eu, capability telecommunications and technical infrastructure and the motivated, remarkable and cost-effective work force."

Daido Metal, producer of bearings for the automobile industry, signed an deal on hereafter deal on the buy of land with the city of Brno today to build a new yield plant. The venture of Daido Metal will whole to nearly 13 million euro and the plant will hire up to 100 persons in the first stage. The yield should be launched at the beginning of next year.

"The Czech Republic has a very strong position in Europe in the automobile sector and even many of our clients have their yield plants here. The yield of our Czech plant will cover the interrogate generated both in the Central European countries and on the entire continent," says Issei Yoshida, Managing Director of Daido Metal Europe.

"Our Czech branch, Daido Metal Czech, will be the first company within the entire group to control fully independently, without a strategic partner from the same field. The only partners in the Czech Republic will be the locals, in particular in the area of technical engineering and development, We also intend to cooperate with the city of Brno," says Tetsuro Nishiyama, Managing Director of Daido Metal Czech s.r.o.

Acer, the major manufacturer in the notebook sector will opened a new assistance center, with a related call-center for customers in Europe, Middle East and Africa (Emea). The Acer shared services centre opened on July 1st in Brno, within the industrial complicated Cernovická Terrace and is thinkable, to provide at least 60 new jobs.

"We have been experiencing great store growth in the last two years in the countries of Europe, Middle East and Africa. The new centre will replace the current solution, where customer assistance is being provided via external assistance providers," stated Stefan Engel, Region boss North + Central Europe and added: "Our goal is to provide even better retain to all countries complicated in their native language and double the staff within one year."

GigaByte Technology, a producer of computer components, is building a high-tech mend centre in Brno - Cernovicka Terasa where customers from all over Europe will send their laptops, graphics cards and motherboards. 25 million Czk is being invested with a projected 50 employees being required.

GigaByte Technology chose the Czech Republic over the other Central European countries, together with Hungary, which was the Czech Republic's main competitor. Brno won generally owing to its capability infrastructure and sufficient, remarkable work force.

The assistance centre will be built in Brno despite the fact that the company will not be receiving government venture incentives. Its executives thereby confirmed that Czech Republic has a lot to offer foreign investors.

Progeon Ltd, a leader in third party outsourcing in India, has completed its first phase of its task in Brno. The company currently employees 80 people in its downtown Brno office and provides process administration services in sixteen European languages. hereafter growth plans will ultimately offer occupation opportunities for hundreds of people from Brno and the surrounding area.

"The Czech Republic is an Moving destination for clubs like ours that hope to reach a wide European market," said Akshaya Bhargava, managing director and Ceo, Progeon Ltd. "Brno has excellent infrastructure and facilities, a supportive government, and people with multiple language skills.

The best capability and most beneficial industrial zones in the Czech Republic were handed awards by the Czech ministers. The fifth annual "Industrial Zone of the Year" awards were presented agreeing to the recommendations of the Ministry of industry & Trade and CzechInvest in cooperation with the relationship for Foreign venture (Afi) and partners in the "Partnership to retain Foreign Direct venture in the Czech Republic".

The award for industrial Zone with the Most Economic Benefits was given to the "Cernovicka terasa" industrial Zone in Brno, while the Zone with the Most group benefit in 2004 was the Ostrava Hrabova industrial Zone - 1st Stage. The industrial Zone with the Best Town Planning clarification is being prepared by a inexpressive developer in Ostrava -- Ctpark Ostrava, and the "Brownfield of the Year" was won by the Skoda Plzen industrial Zone.

Brno is a city that is going places. All indications strongly point that way.

But let's see some numbers. What are flats currently going for in Brno and what could we expect for rental income?

Studio apartment (1 + 1). Seven little walk to main town square. One little walk to trams and biggest park in the downtown Brno area. Newly renovated apartment in a heritage building. Listed price 750 000 Czk. Est. Rent: 8000 to 9000 Czk

Two bedroom (3 + 1) flat on Merhautova St. thoroughly reconstructed. One little walk to the trams. Balcony. 90 m2. Big storage space in the basement. Request price 1 590 000 Czk. Est. Rent: 12000 to 13000 Czk

Three bedroom (4 + 1) flat in heritage building. Eight little walk to downtown square. One little walk to the trams. Window view of the biggest park in the downtown area. Newly renovated. Balcony off the master bedroom. Nearby 140 m2. Est. Price 2 500 000 Czk. Est. Rent: 14000 to 15000 Czk

At Czech Point 101 we are not going to hype you with inflated figures. All prices are based on our determination of living and working right here in the Brno market.

One of the most leading things about buying venture properties is the neighborhood you buy into. We can recommend on the current 'hot' areas and those that will be getting Concentration in the near future. Experience me at any time, for free, to get more information about the Brno real estate store or start progressing on venture properties now.

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tour Tips For Consultants

#1. tour Tips For Consultants

tour Tips For Consultants

Travel is a fact of life for most consultants. Many spend 45 weeks on the road every year, and some say they wouldn't want it any other way.

tour Tips For Consultants

We know one married join where both are traveling consultants. They often joke that they should write a book called "Marriage on Three Days a Week" because they only see each other from Thursday night to Sunday night most weeks. Of course, they take great vacations with all the frequent flier miles and hotel points, and neither one is left at home to carry on the household while the other dines in restaurants every night and comes home expecting all the chores to be done.

Like many others, they have learned how to be comfortable on the road so that their travel schedules are a source of new experiences and great stories instead of a hardship. If you learn how to be comfortable in your environment, you'll do best work and last longer in this demanding field.

There are two types of consulting roles, from a travel program perspective. One type of advisor is the real Road Warrior who is in a distinct city each week, often visiting two or three distinct clients and staying only a join of days each place. The other type travels to the same destination every week to work on a long-term engagement over several months. Which type of travel program you end up with depends as much on your personality as on your skill set.

No matter which type of travel program you have, there are some seemingly small things you can do to make yourself significantly more comfortable on the road.

Enroll in every frequent flier and hotel points program you can. The biggest perks in enterprise travel come when you get a free family vacation later. All those trips to Pittsburgh might buy you a trip to Honolulu or Prague or wherever your heart leads you.

Whenever possible, use the same airline and hotel chain for every city. This helps you rack up the points faster, and it also establishes a level of relax and familiarity for you from the moment you arrive in the city. Not every Marriott is exactly like every other Marriott, but there are adequate similarities between them that you will begin to feel at home quickly.

Packing for Travel

Develop a disposition for packing. Make a checklist that includes all that you know you'll need for any trip, including items like toothbrush and cell-phone charger. Go over the checklist every single time you pack a suitcase.

If you don't supervene this advice, you will ultimately end up spending 0 on a "charge everything" gismo and using a hotel toothbrush that will rip your gums out.

Always assume you will have to carry your luggage yourself. If you aren't sure you will need it, don't take it. You can all the time buy one there. (Don't accept engagements in locations that don't have stores.) Pack something comfortable to wear in your hotel room and clothes you can wear to work out. Plan to sleep in something you don't mind being seen wearing in public. In the event of a fire, hotels will evacuate two floors above and two floors below, even if it's just a small fire in a trash basket. That's what that loudspeaker above the bed is for. All luggage looks alike. Make your bag easy to spot on the carousel and less likely to be stolen with a few strategically placed strips of duct tape or a big pink bow. The military knows that rolled clothing does not wrinkle. Don't fold it, roll it. Turn jackets inside out, fold the collar up and press one shoulder inside the other. Think about what you pack from the perspective of Customs and Airport Security. For example, many airlines will not allow you to carry steel-tipped darts in your carry-on luggage. (Yes, one of us learned this the hard way. Not the one you think.) Carry all medication in the traditional packages, particularly prescribe medication. purchase two of all you use daily, like cosmetics, razors, toothbrush, etc. Leave one set at home. Pack toiletries once and leave them packed. This way, you don't have to worry that you forgot something vital and will not observation until the middle of the night in a strange hotel room. When you run out of something on the road, replace it. (This is easier if you use tasteless brands that are sold nationally.)

After only a few weeks of travel, you'll know exactly what you need to pack and what you don't.

Hotel Living

If you are traveling to the same city every week, pick a hotel that you are comfortable in and make friends with the citizen at the front desk and in Housekeeping. If you can commit to a definite amount of weeks, they might even give you a break on the room rate, which is also good for your customer.

Once you've tried two or three distinct rooms in distinct parts of the hotel, you'll begin to recognize definite things you like or dislike. Within a few weeks, you'll probably have a popular room. Don't be afraid to ask for it every week. Staying in the same room every week can growth your sense of relax and it's easier to remember what room you are in. Every one of us has been frustrated at least once by trying to open a hotel room door, only to comprehend that the key doesn't work because this is the room we were in last week, and we have no idea what room we have been assigned this week.

If you followed our instructions for packing and bought duplicates of all your toiletries and travel needs, you can check a suitcase with the bellman over the weekend instead of carrying it home with you. Leave your laundry with a dry cleaner over the weekend and come back on Monday to a fresh wardrobe without carrying a bag with you to the airport. That's freedom!

Make friends with the citizen who have control of the food. If you are eating all your meals off the Room service menu, you will soon get bored with the choices. Encourage the man who answers the Room service line to give you suggestions.

When Christine was working in one city where it wasn't carefully safe to leave the hotel and roam nearby at night, she called the Room service amount one night and said, in the most pitiful voice she could muster, "I'm hungry and nothing on the menu looks good tonight. Help me!"

The Room service voice laughed and said, "Miss Lambden, don't you worry. After all these months, I know what you like. Let me surprise you."

In increasing to the best steak and the freshest salad ever served by Room Service, the waiter brought a glass of red wine and said, "The chef said to tell you that he knows you don't like red wine, but this is special. Try it with the steak. Alternate one bite of steak with one sip of wine."

She still talks about that steak. After that night, she never had to look at the Room service menu again. When she called, she would say, "Maybe a fish tonight?" or "I'm in the mood for something chocolate."

Remember, if you are tired of the hotel menu, just fantasize how the chef feels.

Since you can't eat all the time, here are some other ways to fill an evening in a hotel room:

Call your mother. Read. Go to a movie. College libraries are often open late. Learn something. Work out. Remember the Freshman Fifteen in college? The life of a advisor includes too many meals in restaurants and too few long walks in the park.

If you practice at home, try to practice the same way when you are traveling. Find out if it's safe to walk/run outside near the hotel. This is also a great way to find the neighborhood restaurants and pubs that the travel books don't know about.

If you practice in a gym at home, stay in a hotel with a gym and use it. If there is no gym available in the hotel, remember that many national chains have memberships that allow you to work out in any city. Like national hotel and cafeteria chains, gyms are a great way to find customary surroundings in an unfamiliar place.

Exploring new cities is a great way to get practice and enjoy your time on the road. See the sights. Shop. Ask the citizen at the hotel and at work what you should be sure to see while you are in town.

We know one advisor who managed, in one year, to see Niagara Falls (working in Buffalo), the Arch in St. Louis, the Napa Valley wine country, six shows on Broadway, and Fort Lauderdale during Spring Break.

Did you know that Kansas City is the City of Fountains? In the winter, the city gently freezes some of the fountains so you see freezing ice where water flows in the summer. Just beautiful.

Did you know that you can visit the Budweiser Clydesdales at Grant's Farm in St. Louis? If you think they are fun to watch on Super Bowl commercials, just fantasize how magnificent they are up close.

These opportunities may not gift themselves again. Don't spend every evening in your hotel room.

Every city has something unique to offer and the citizen who live there will be happy to help you inspect what is fantastic about their hometown.

Single Life on the Road

The constant-travel lifestyle is often more spellbinding to single citizen who do not have a family at home waiting for them each week. For these consultants, the only challenge is looking a way to declare a home when you aren't there during the week.

Here are some tips:

Ask a friend or neighbor to pick up your mail once or twice during the week. setup automatic light timers in your house. setup request for retrial sensor lights outside. This makes it look like man is home and protects your stuff. (It also makes bats and possums find other yard to live in, but that might just be an Austin thing.) Hide valuables. Burglars know all about looking in the freezer for your jewelry, but would they think to look in that bag of potting soil in the garage? Hint: Tell man you trust where you hid them...you'll remember all the great spots you considered, and you'll forget the one you picked. Splurge a small with all that money you are production as a advisor and hire a maid service to come in and clean your house while you are gone. If you have a lawn, hire a yard service, too. The last thing you are going to feel like doing when you finally get home is housework, and you'll be happier in this job if you don't feel that you are neglecting chores. If possible, have a trusted house-sitter stay in your house. Then you won't have to worry at all.

In increasing to maintaining your house, a single man on the road has to declare a public life. When you are out of town all week, it's easy to find yourself excluded from your friends' conversations about plans for the weekend. You have to work harder to declare those friendships at home, especially if you are also forming new friendships in the city where you are working.

It's not totally unheard of for consultants assigned to the same client week after week to form friendships, or even romantic attachments, in the city where they work. Having bonds with citizen all over the country can be a huge benefit professionally because your network is expanded to consist of all of their colleagues, as well.

Don't date man in the client company. This can get messy. (Yeah, we know. Your situation is different. You'll deal with it like grownups. We'd like to believe this, but in our feel it rarely works out that way. Even so, this is still good advice for everybody else.)

Married With Children

Life on the road is harder for those who have a family at home. You miss them and you feel guilty about leaving them behind, and even more guilty when you're having fun without them.

The same traveler attractions that enliven a single person's travel can make you miss your family even more. You find yourself thinking, "The kids would love this," or "Niagara Falls by myself? I don't think so!"

Here are some tips for production travel easier when you miss your family:

Write long letters saying all the stuff you would have said if you were at home. Buy a fax machine for the house so you can send them before you go to bed and the family can read them with breakfast. (We know. Email works just as well. Except it doesn't. Handwritten letters mean more. They just do.) Give the hotel's fax amount to your family or set up a personal e-fax number. Encourage letters from home. Also drawings and report cards and anything else that will make you feel closer. Practically all children could benefit from the occasional writing exercise, and most of them already know how to control a computer. Buy a small digital camera or use your cell phone to take pictures and make a "Day in the Life" slide show for the kids. Take pictures of your day from the time you wake up to the time you put in order for bed - pictures of your hotel room, your morning meal plate, your cubicle and co-workers, the bookstore you stop at after work, the restaurants you like - everything! (Trust us, they'll love it.)
Driving in Strange (translation: "New To You") Places

Weather conditions and driver courtesy rules vary from city to city. In some cities, driving is a brutal competition, and it's carefully rude or suicidal to slow down for a yellow light. man will honk at you or run into you. In others, you'll get dirty looks if you don't yield and let a waiting car merge in front of you. On most country roads, failure to wave at passing drivers marks you as an outsider.

No matter where you are, these tips will help lessen the impact of driving during your travels:

Get a map when you arrive. If you know where you are going, you are much less likely to end up in the wrong place. If you rear-end a car on the freeway, your first move should be to hang up the phone. best yet, go hands-free when you are driving. Best of all, hang up and drive. Rent your car from the same department every week and be extra nice. Usually, the same agents are on duty every Monday morning, so ultimately they'll know you and may offer you the cool convertible or the Jag for a week at no extra charge. Not every state or city has a "right on red" law. Check with the car rental department or look for a "No right on red" sign before you assume it's legal in any intersection where you are. If you are stopped for speeding, running a red light, driving the wrong way, or, worst of all, hitting something, be very diplomatic to everybody involved. Of course, this is true when you aren't traveling, too, but you have a best occasion of production your meeting or flight if you deal with the situation nicely.

In New York or Boston (or London or Beijing), take a cab or public transportation. Some warnings say "Don't try this at home." With regard to driving in these places, the rule is "Don't try this on the road." In other words, ask man at your destination or consult a travel guide to find out either it's advisable to drive yourself around.

If you are facing your first winter in a snowy climate, ask man to teach you how to drive in icy conditions before the first blizzard. You may feel foolish, and they will absolutely laugh at you, but the first time you feel your car start to slide, you'll be glad you did.

For us, just saying "I'm from Texas" is often adequate to have our clients offer free driving lessons, icy conditions or not.

Air travel Tips

Since 9/11, keeping track of the rules for air travel and getting straight through security checkpoints has become more of a challenge, but the airlines have made a sincere attempt to help.

Every airline and airport website has facts about security requirements and how much time will be required to get to your gate. Experienced travelers quickly learn to avoid the busiest times of the day and week. In fact, we don't know a single traveling consulting who would reconsider flying on the day before Thanksgiving under any circumstances.

Airport websites will also give you facts about other amenities that are available in the terminals. For instance, did you know that the Hong Kong airport has showers and rooms where you can take a nap? After a long flight over the Pacific ocean, a shower is a fantastic way to spend your three-hour layover between connecting flights.

The airport in Portland, Oregon, has a great mall. You can get all your Christmas shopping done between flights and have the items you bought shipped home. Oh, and did we mention that Oregon doesn't have sales tax?

The San Francisco airport has twenty distinct museum galleries that rotate art, culture and science exhibitions on a quarterly schedule. At Sfo, you can't avoid being entertained and educated while you travel.

Here are some other tips for production air travel easier:

When you make your reservations, ask for a seat near the front of the plane. Airlines assign seats back-to-front and families traveling with children tend to plan additional ahead than enterprise travelers, so the shrieking three year-olds are normally in the back of the plane. all the time request the Exit Row. Children aren't permitted, and you get more legroom. Wear earplugs or spend in some good noise-canceling headphones if you plan to sleep. citizen talk louder on airplanes. Planes have only 3% humidity, so you get dehydrated quickly. Carry a bottle of water on board. (This will also keep your feet from swelling.) To keep costs and carryon weight low, carry an empty bottle and ask the flight attendant to fill it for you. On international flights, there is normally a water fountain available for passengers to serve themselves. When they say, "Limit two carry-on bags," assume they verily mean it and be prepared to check all but your purse, briefcase and laptop. A good alternative if you are in a hurry is to "gate check" your bags. Especially with smaller commuter flights, this means you get your bags immediately when you get off the plane with no stop at baggage claim. Pay concentration to the security speech every once in a while. Like washing your car to make it rain, it's just good karma. We've asked, and yes, most flight attendants feel just as silly giving the speech as you do listening to it, but the fact that no one is listening just makes their job harder. To prevent a stiff neck from sleeping on a plane, ask the flight attendant for a blanket, roll it up and wrap it nearby your neck before you fall asleep. Your head won't roll from side-to-side, you won't snore and you won't look nearly as ridiculous as those citizen drooling on their neighbor's shoulder. They make C-shaped pillows that do this, but that's just one more thing to carry with you. We prefer to travel light.

While you are traveling, do all you can to make your life easier. When you are enjoying yourself, you are best prepared to perform at work, and you'll be more successful.

Cubicles and discussion rooms are the same everywhere. The work won't change, but taking the time to make friends with the citizen nearby you, at work and at the hotel, will make all the contrast in the world to how well you do it.

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Backup Food storehouse - A Key Element to emergency Preparedness

#1. Backup Food storehouse - A Key Element to emergency Preparedness

Backup Food storehouse - A Key Element to emergency Preparedness

I would like citizen to have a basic understanding of how brittle the food provide system is and see the importance of putting an urgency backup food storehouse system in place. I believe a sound backup food storehouse plan is significant and second only to water, as the most important element of a extensive urgency preparedness strategy. It could be a significant part in the near future.

Backup Food storehouse - A Key Element to emergency Preparedness

Many factors sway our food provide and the costs we pay for it. Becoming aware of and establishment for these factors helps reduce food costs, and provides for ourselves in the event of a major shortage of supply.

Some of the major factors that sway food prices are oil prices, inflation, labor costs, Government policies, stock shop speculation and food communication costs just to name a few. My hope is that readers will see the need for putting a plan in place, thereby providing themselves with an alternative food provide source in the event that what could happen... Does.

Let's start with the basics. In any geographical area, the amount of grocery stores, is based on citizen statistics and interrogate by the citizens in the community for the food from these stores. As long as the food shipments to the market continue uninterrupted, the citizens can regularly find what they are seeing for. But what happens if the food shipments don't come in as scheduled? This is ordinarily a scenario citizen are customary with during major snow storms, which may delay shipments for only a few days and is not a major problem.

But what most citizen don't understand is that if shipments were to stop, or be severely puny for more than just a few days, the food would run out in less than a week. Just look at how empty the shelves get with weather forecasts of impending snow storms. That is when you can recognize true provide and interrogate economics in practice! It is this scenario that I wish to address today.

The farming firm today is nothing like it was even 30 years ago. It's been substituted with a large-scale agribusiness model, which leads right in to the role of oil in the food provide system. Large scale farms use large gas-driven tractors to till the soil before planting, followed by more gas- powered machinery to plant the hybrid seeds into the ground.

Next comes a host of oil-derived chemicals to be added to grow the crops. They contain pesticides, herbicides, insecticides and fungicides just to name a few. Naturally the crops need water, which can be a very costly item to provide depending on the availability of the water supply. Often more machinery is needed in drought situations.Then comes the harvesting of the crops.

Again more gas/diesel-powered machines must then pick, pack and converyance the produce to a wholesaler. The jobber will then container the produce in more oil-derived plastic before it goes to the retail stores, where we end up Often using a form of plastic to pay (debit/credit cards) for the food. Each time the price of oil increases, it can potentially have an titanic ensue on the price of food, starting from the starting of the food- growing cycle, to the end at the food- payment cycle.

What happens when oil is not only expensive, but scarce as well? That is certainly what happened in the 70′s with the oil embargo that occurred. Gas lines at times, were a mile long, with motorists waiting to get a .00 or .00 buy of gasoline. Someone else occurrence could be very disruptive to the food distribution system, as well as cause Someone else titanic growth in the cost of the food repeating what happened in the 70′s. This is the type of situation where an urgency preparedness plan for backup food storehouse could be very important.

Coincidentally during the 70's interest rates at the banks were much higher, and inflation was at double-digit rates as well, which supports what I stated earlier in the report about the entwined relationships with oil, food, politics and economics. Whenever there is a qoute with any one of these elements, it seems to have a domino ensue with the others as well.

There are some who will say o.k., even if what you say is true, we survived before without stockpiling food, so we'll just do it again. And I'll reply that in the 70′s we had the ability to work overtime to make extra money we needed, and if that didn't quite make it, we could use a prestige card to tide us over, for awhile. Those days are gone thanks to Nafta and the exporting away of our jobs. And since our employment disappeared, so too did our incomes and means of paying on those prestige cards! We no longer have that urgency lifeboat of prestige anymore. The typical American household has over ,000.00 in prestige card debt. Many are still barely development their mortgage payments. They are the citizen who understand the need for an urgency backup food storehouse plan and they are the citizen I am reaching out to.

When the Government needs a loan, it borrows from the collective safety Trust Funds and through issues of Government Bonds. It's ordinarily done to help fund war efforts and so on. Lately the Government has been borrowing from other countries, primarily from those we trade with. If one of those countries decided to call in some of the debt and we were unable to make the payments, it could have serious repercussions. Especially if they were a country we imported oil from and they decided to repeat the scenario of the 70′s.

All of these factors I mentioned have two things in common, they sway the price and availability of the foods we consume. Without permissible planning we risk paying more than we should and risk having a shortage of the foods we need to survive. Since I have shown the many factors which sway food provide and cost, it should be quite evident for the need to make provisions now, for what is a very real possibility later.

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Sunday, September 9, 2012

Why choosing a Good Temporary department Is critical to Relieving Payroll Accounting Headaches

Well, at some point your firm will grow, and every small firm will need to hire workers and helpers. You can only get away with the casual labor law for so long. If you don't succeed the employment rules eventually you get will yourself into hot water or find yourself on the wrong side of a lawsuit. All the accounting must be done correctly and you must withhold the permissible payroll taxes otherwise there are big fines, inherent impounds, and even seizures of your bank account. If you don't have time to learn accounting, or just don't know how to deal with this you might try a temporary agency.

The temporary agency will hire the workers for you, screen them, and you pay them a set rate, and they pay all the payroll taxes. This is good because if they make a mistake it's their problem, and if you wish to fire an employee, you just call up the temporary agency and say you aren't interested in having that person work at your preparation anymore. They will take that person off the list and reassign them to some other favorable business, giving you a fresh replacement. Doing payroll taxes can be a perfect headache even if you have the right software or you hire a payroll accounting firm.

Is hiring a temporary employment agency the right way to play it? It might be, even if you do it for only a miniature while, you might get a amount of employees you indeed like, and you can buy out the contract, and hire them directly later. Of course, there are all the time challenges with good firm model or vendor. So let me tell you a nightmare story about one of our franchisees in San Antonio.

It turns out that our franchisee in San Antonio had hired workers from a temporary agency who turned out to be illegal aliens. As he was in his work car going to a job site there was a roadside checkpoint which pulled over his truck. The checkpoint took away the workers and sent them back to Mexico. The temporary agency told him it wasn't their fault because they had presented driver's licenses, and group protection cards. Of course, they were fake.

The temporary agency claimed they had no idea, but somehow I doubt that. Therefore, you should only use a reputable temporary agency if you plan on using this strategy to forestall payroll accounting headaches. indeed I hope you will please think all this and think on it.

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Are You Ready For a Disaster?

--Replacing A Social Security Card of Are You Ready For a Disaster?--

A cool way to improve Are You Ready For a Disaster?

If you only had a few minutes to get out of your house for a disaster (such as a hurricane) would you be ready for an emergency? Would you be able to grab your prominent papers and things you must have and be out of your house in minutes?

Are You Ready For a Disaster?

Do you know where all of your prominent papers are? Are they all in one central spot for quick and easy way in case of emergency?

Things such as:
Drivers License (or other identification) Passport Birth Certificate Social protection Card House insurance papers (or sense info) Life insurance papers (or sense info) Marriage License Financial Info Money

What about some of your popular possessions? Things that you can't replace, such as photo albums?

Since most habitancy keep a lot of data on their computer or laptop, do you have backups and are they up to date and in a spot that you can verily access?

Do you know what you would take in an emergency? Have you ever notion about it?

I've never been in situation where my home had to be evacuated, though I have been in a hurricane with no place to go (a very frightening experience).

If you are evacuated from your home and your home is destroyed you will have to deal with a collection of issues, along with insurance issues, where you will have to prove your identity. Can you?

In an emergency habitancy tend to grab the strangest things. Not all the time the most practical things.

So think about what you would do in an emergency situation where you had to evacuate (especially if you live in high hurricane areas).

Prioritize your possessions and what you verily need to get back on your feet.

Get yourself organized before disaster strikes. And then hope that you never have to put your plan into place.

It's better to be ready for a disaster than to have to go through the trauma of dealing with things that you are unprepared to handle.

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Top 10 Misconceptions About Bankruptcy

No.1 Article of Replacement Social Security Card Application

Bankruptcy is everywhere. Bankruptcy affects everyone including, but not slight to, Debtors, Creditors, Lending Institutions, Accountants, Financial Analysts, Mortgage Brokers, Real Estate Agents, All Types of Lawyers, possible Homebuyers, Owners of Real Property, The President of the Bank of Mom & Dad, etc. Therefore, an understanding of the Bankruptcy Code and the principals enunciated therein are needful for everyone.

Bankruptcy law is highly complex and, like other specialties, takes a needful speculation of time to master. The purpose of this record is not to make you an scholar in Bankruptcy law. This record is intended merely to inform you of various misconceptions about Bankruptcy that arise every day. As with any area of the law, you should seek the guidance of an experienced attorney before taking any action.

Replacement Social Security Card Application

There are several misconceptions about Bankruptcy that everyone should be aware of. I will exertion to dismiss the most blatant misconceptions. Here is my Top 10 list of base Bankruptcy Misconceptions.

Top 10 Misconceptions About Bankruptcy

1. The debtor (footnote 1) must be broke to file Bankruptcy.

Nothing can be supplementary from the truth. With slight exceptions, the only requirement to file for Bankruptcy is that the Debtor cannot pay their bills as they come due (sometimes referred to as financial distress). This makes sense when given some thought. If a someone had to be broke to file Bankruptcy, that someone would not be able to pay their attorney, which would lead to a proliferation of pro se Debtors which would clog the Courts and drive the entire Bankruptcy Court principles insane.

Next, if the "broke" Debtor cannot file Bankruptcy, they would in all likelihood come to be social charges since they have nothing left to live on. To avoid this burden on the government, Congress has permitted "exemptions" to allow Debtors to keep a clear number of property despite the Bankruptcy filing. For example: in New York a someone filing for Bankruptcy is permitted to have, among other things, up to ,000 in cash, ,000 worth of equity in an automobile as well as unlimited funds settled in a remarkable 401K plan (footnote 2).

Finally, because individuals and businesses ordinarily wait till they are broke to seek Bankruptcy advice, this unnecessary delay precludes options ready to them which may help them reorganize their finances and permit them to keep part or all of their property. For example, an individual ordinarily waits until the day before a foreclosure sale to seek Bankruptcy guidance where had they sought guidance earlier; their chances of recovery the property would have been greatly improved.

2. If an individual files Bankruptcy, his/her credit will be ruined and (s)he will not qualify for credit in the future.

A blatant lie! The fact that an individual files for Bankruptcy will appear on the individual's credit record for up to ten years. While this may seem draconian, this is not as bad as it may first appear.

First, if an individual is inspecting filing Bankruptcy, their credit is probably not that great to begin with. Filing Bankruptcy may be their best bet to "get good credit" again. Why you ask? The rationale is simple. When a Debtor files for Bankruptcy under part 7 of the Bankruptcy Code and receives a dismissal (footnote 3), a Debtor cannot receive an additional one dismissal under part 7 for at least eight (8) years.

Lets pretend you are the head of a credit card enterprise in fee of deciding to whom to increase credit and you have two same applicants with one exception, one of the applicants filed Bankruptcy three months ago. Who would you increase credit to? Applicant #1 who never filed for Bankruptcy and who could file Bankruptcy at any occasion after taking your money thereby discharging your debt? Or would you increase credit to Applicant #2 who filed for Bankruptcy three months ago and who recently received a dismissal under part 7 of the Bankruptcy Code thereby insuring that your loan cannot be discharged under part 7 for at least the next eight (8) years?

The rejoinder is simple, in the above hypothetical, the someone who recently filed Bankruptcy is the best credit risk because an individual can receive only one dismissal under part 7 every eight (8) years. This, in reality results in the individual who filed Bankruptcy receiving dozens of new credit card offers within weeks of filing Bankruptcy!

3. If a someone files Bankruptcy, they cannot buy a house in the future.

Another lie! All banks are willing to take risks with population who filed Bankruptcy if they have enough security. This ordinarily means a higher interest rate but remember the lowest line here: banks are seeing to make money. If a someone who filed Bankruptcy in the past applies for a mortgage and that individual has a enough down payment, banks will be tripping over themselves to give them a mortgage.

4. If a someone owns a home and files for Bankruptcy, they will lose the house.

Yes and no. An individual in the five boroughs of New York, Long Island and Westchester is allowed to keep the first 0,000 in equity in their homes above all liens and encumbrances despite the Bankruptcy filing (the exemption is 0,000 for married couples filing Bankruptcy together). This is called the "homestead exemption." Lets look at a integrate of base scenarios:

"The individual is current on the mortgage, there is slight equity in the property and has a lot of credit card debt." Let's assume that the property is worth 0,000 and there is a mortgage of 0,000 on the property. In this instance, that individual can file for part 7 and still keep their house.

Let's turn the facts a bit. Let's say the same house is worth 0,000 but the individual has a 0,000 mortgage on the property. After we take into notice the 0,000 homestead exemption, the individual is left with 0,000 in non-exempt equity. If this individual files for part 7, the part 7 trustee (footnote 4) will sell the property and the individual will be given the first 0,000 from the proceeds of the sale. The point that needs to be emphasized here is that the individual will lose the house under part 7 unless after the filing of the Bankruptcy the individual can come up with 0,000 to pay the trustee the non-exempt equity. These funds can come from a post-bankruptcy mortgage or a loan from house and/or friends.

Next example: "The individual is behind on their mortgage, there is big equity in the property and has lots of credit card debt." In this example, assuming there is money left over each month after paying the quarterly monthly bills (the mortgage cost not including arrears, gas, electricity, food, etc.), if this left over money can satisfy the arrears on the mortgage over a duration of not to exceed five years, the individual may be able to keep the house in under part 13. part 13 is quite complex but its principle is simple. As long as the individual repays the debt, they can keep the property. This may be an oversimplification but the point to remember is there are options.

5. Taxes cannot be discharged in Bankruptcy.

Wrong! clear taxes are dischargeable in Bankruptcy such as clear personal income taxes that are more than three years old if clear requirements are met. As a normal rule, fiduciary taxes (e.g. - sales taxes) are not dischargeable. The Bankruptcy Code's provisions relating to taxes are quite complex and differ depending on the part filed under but suffice it to say, clear taxes are dischargeable.

6. Learner loans are non-dischargeable.

Generally speaking this is true. However, like every other rule there are exceptions. If the Debtor can prove clear hardship, Learner loans can be eliminated in Bankruptcy. This is ordinarily an uphill battle but indubitably not impossible.

7. An individual can file for Bankruptcy but not include clear creditors in the Bankruptcy.

Wrong! One of the principles behind the Bankruptcy Code is to treat similarly situated creditors equally. When a Debtor does not list a creditor in their Bankruptcy and decides to pay that creditor back, that Debtor is prejudicing the other creditors. If a Debtor does this, the Court considers this fraud and the Debtor can risk losing their dismissal and in greatest circumstances face jail time as well as a hefty fine. Don't do it!

8. If I have to list all creditors in the Bankruptcy, I will end up cheating my mom by discharging the money she loaned me.

Although a Debtor must list all their creditors in the Bankruptcy; in clear instances the Debtor can repay a creditor after the Bankruptcy is filed. This is ordinarily known as a "Reaffirmation." All reaffirmations are subject to court approval. The surmise most Debtors agree to pay back a debt they have no legal enforcement to pay is to profess an existing enterprise relationship. In our example, the court would likely approve the reaffirmation if the Debtor lives with mom and worries that mom may throw him out.

9. I signed a piece of paper stating I cannot get rid of this debt in Bankruptcy and I am therefore stuck with it forever.

This is yet an additional one scare tactic. Although the Bankruptcy Reform Act of 2005 has modified this somewhat, there are state law remedies available. Consult with your Bankruptcy Attorney about these provisions.

10. I could lose my job if I file for Bankruptcy.

If you lose your job, you can sue your boss! The law states that if an individual can prove that an boss fired an laborer solely because the laborer filed Bankruptcy, the laborer can sue the employer. As a caveat, if the Debtor/employee looks for an additional one job after the filing of the Bankruptcy, the possible boss can use the Bankruptcy filing as a factor (not the sole factor) in deciding either to grant that individual employment.

As the above facts indicates, there are lots of misconceptions about Bankruptcy.

Neil E. Colmenares, Esq.

Footnote 1 - A "Debtor" is an individual or entity that owes money. The Bankruptcy Act of 1898 which was supplanted by the Bankruptcy Code of 1978 supplanted the term "Bankrupt" for "Debtor." One of the reasons for this turn in nomenclature was to help take off some of the social stigma complex in filing Bankruptcy. Remember, we are all Debtors.

Footnote 2 - For a perfect list of exemptions for Debtors who are domiciled in New York, see the New York Cplr Sections 5205 and 5206, New York Debtor and Creditor Law Sections 282 - 285 and the New York assurance Law Sections 3212 - 3213 and the United States Federal Exemptions settled in Title 11.

Footnote 3 - A dismissal is a court injunction relieving the Debtor of the enforcement to repay most debts and preventing creditors from collecting for same.

Footnote 4 - A "Trustee" is a someone appointed by the Court to administer the Debtor's estate. The Trustee's main function is to sell the Debtor's non-exempt property and use the proceeds to pay creditors.

This record is purely a social reserved supply of normal facts and it is not intended to be nor is it a source of legal advice. You should consult an attorney for guidance concerning your exact situation. This communication does not create an attorney-client relationship.

All possession reserved.

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