Benefits of a Pre-Paid Legal Plan

I am an independent associate for Pre-Paid Legal Services. I have been in the business for just over 4 years. I have used the plan myself several times and am very satisfied with the services I have received. One incident I will tell you about was when I bought a car from a car lot that I drove for about a week when the transmission started to slip. I called the dealer and he basically told me tough. You bought it as is. I called the state and was advised the same thing. I stopped by the dealer again and presented him with a business card and advised him I was turning the matter over to my provider law firm and left. The next day he called me and gave me a check for the amount of the repairs. That alone was enough to have paid for my membership for over three years. I never would have called a lawyer about this if I didn’t have the service. They would have charged me a large amount of money and told me the same thing the dealer and the state told me. But because I had the service, the ability and confidence to use it, I prevailed. I urge anyone that has ever had a legal issue and couldn’t afford proper justice to go to my¬† and look around. Watch the videos read the content, email me with any questions you may have. I am also always looking for people to mentor and help succeed as Independent Associates. In these days of rising unemployment and uncertain times, it is a great way to supplement or even replace an income. Here are some of the benefits of being a Pre-Paid Legal Services member.

Legal Consultation and Advice:
You can call your attorney for everyday issues or important issues without getting a bill. Get answers on your personal, business and pre-existing conditions.

Letters and phone calls:
Get a letter or a phone call placed on your behalf on any subject matter.

Contract and document review:
Your law firm will review an unlimited number of contracts or documents (up to 10 pages) including one business document per year.

Will Preperation:
Your membership provides you with a standard will that will meet most Americans’ needs, with yearly reviews and updates at no charge. You may also receive a Living Will and Durable Power of Attorney at no additional charge if they are prepared at the same time as your will.

Motor Vehicle Legal Services:
Your provider law firm will assist you and your covered family members with traffic violations at no additional cost. Get help with traffic tickets without worrying about the cost of representation.

Major Legal Expenses:
Your provider law firm will defend you or your covered family member if you are charged with Manslaughter, Involuntary Manslaughter, Negligent Homicide, or Vehicular Manslaughter at NO additional cost.

Plus: Up to 2.5 hours for help with:
Damage Recovery Services
Drivers license assistance
Personal injury legal services

Trial Defense Services:

Receive up to 60 hours of your provider law firms time you first year of membership if you or your spouse are named as a defendant or respondent in a covered civil or criminal action filed in court.

Plus: Your defense services trial and pre-trial time increases each year you are a member up to 295.5 hours in your fifth membership year.

IRS Audit Services:
Receive up to 50 hours of your provider law firms time if you receive a written notice of an IRS audit or are requested to appear at IRS offices regarding your tax return.

Plus (as if that wasn’t enough) You get a 25% discount off of your provider law firms standard rate if you need legal services that are not otherwise covered by your plan benefits. Should you need to retain an attorney for more extensive representation, you can rest easier knowing you’ll receive the services of a quality, reputable law firm at a significant discount.

You will get a personalized membership card for each covered member of your family with a membership number and a toll free number to reach your provider law firm for legal advice. You can also access the law firm 24 hours a day for emergency situations.

The members of your family that are covered under one membership include:

Yourself
Your spouse
Never married dependent children under 21 still living at home
Never married dependent full time college students up to 23 years old
Physically or mentally challenged dependent children living at home

All for the same low price.

Now I ask you. How can you beat all of this for less than a dollar a day. I would be willing to bet anyone reading this article, if you were to call any law office and ask how much of a retainer they would charge to provide all of these services listed above, they would charge you a very large amount of money. Much more than a dollar a day. Thank you for reading and let me know if there is anything I can do to assist you.

Legally Get Rid of All Your Debt When You Can’t Pay Anymore – The Pros & Cons of Filling Bankruptcy

Each year, millions of Americans are faced with extremely tough financial decisions. Hard working Americans who have to go through a divorce, a sudden loss of income or have to deal with a medical emergency are pushed into bankruptcy when they simply can’t afford to pay their credit card balances each month as well as paying for living expenses.

Listen, when it comes down to paying a creditor, or putting a roof over your children’s heads, the answer is obvious: your kids, your wife and your family’s well being need to take priority. It really sucks when you have to face the facts that you are broke and in desperate help to get back on your feet. It is unpleasant facing the truth but it is the necessary first step in order to get started on the road to financial independence.

Bankruptcy Pros and Cons

Now, you must understand that filing bankruptcy is not the deadbeat’s way of racking up a lot of debt and then filing to avoid paying what you owe. Bankruptcy is a legal protection for people who are faced with hardship and are faced with the decision to pay their bills and not be able to feed their families or default on credit card payments in order to barely keep their heads above water.

Bankruptcy is a protection for you and your family but like anything else, there’s pros and cons:

Pros:

1 Most all of your debts will be erased
2 You will be able to start fresh with a clean slate
3 Nasty, threatening calls from creditors and debt collectors will stop
4 Any lawsuits or wage garnishments will stop
5 All the money that you were paying to credit cards just for minimum payments can be used to start a savings account or to simply cover the rent or pay for food without worrying about where the money will come from

Cons:

1 It will stay on your credit report for 7 years.
2 It will affect your ability to get credit for a mortgage or a car loan, but chances are, your credit was pretty poor before you filed bankruptcy. At least now you can begin rebuilding credit.
3 You will need to navigate a difficult a complex process

Get Rid Of All Your Debts The Right Way. Avoid Credit Settlement Scams!

Listen, the only legal way to get rid of your debt is by filling bankruptcy. Credit settlement deals and debt consolidation are scams that can get you in big trouble. Those options will not protect you against a law suit or wage garnishments. But you can begin fresh and give yourself and your family the tranquility and peace of mind with a Debt Free Life! All you need to do is get a free consultation with an attorney in your area that will explain your options to you.

A Simple Solution to the Problem of Police Shootings of African Americans

Justice is sought with regard to individual slayings of African Americans, most recently Alton Sterling and Philando Castile. When President Obama mentions those particular slayings, he at the same time mentions systemic disparate treatment of African Americans in the American legal system. Plenty of statistics show police stops, arrests, prosecutions, sentencing and incarceration are pretty tough on African Americans. What’s not clear is whether this is due to systemic racism or higher rates of offending by African Americans. Each side in this debate marshals its own statistics. Progressives typically refer to Michelle Alexander’s book, The New Jim Crow, which unfortunately does not contain any solutions. Conservatives prefer the simple statement of Milwaukee County Sheriff David A. Clarke, Jr. when he recommends that we, “Stop trying to fix the police – Fix the ghetto!” Fixing the ghetto has proven almost impossible, and the War on Poverty made things worse.

The critical interface between suspects and the police generates the most publicity, especially when African Americans are shot by white police officers. This publicized interaction in cases over the last several years represents only the first juncture in the legal system. There are multiple later stages of the criminal justice system under criticism. Police shootings generate controversy which then includes all the later stages of the system. Discussion of perceived injustice in subsequent stages of the criminal justice system makes the statistical analysis impossibly complex for any use with the problem of police shootings based upon split-second decisions. As a result, critics place discontent of the entire system upon these split-second decisions. The slaying of African Americans becomes the mascot for all the perceived discrimination in the entire criminal justice system… and sometimes American economy. Uncertainty surrounds recent shootings until investigations, grand juries, trials and even sentencing conclude.

Lately, some have departed from the non-violence preached by the Rev. Dr. Martin Luther King, Junior. With these great complicated questions under discussion, addressing the problem of police shootings has a simpler solution than the larger controversies make us believe.

Most of the publicized police shootings in the last few years might have been prevented had citizens obeyed all of the following accepted rules when stopped or approached by police officers:

  • Obey the instructions and orders of the police – it’s the law.
  • Do not interfere with, or obstruct the police, as you can be arrested for it.
  • Think carefully about your words, movement, body language, and emotions.
  • Do not get into an argument with the police.
  • Keep your hands where the police can see them.
  • Do not run. Do not touch any police officer.
  • Do not resist even if you believe you are innocent.

Out of respect for law enforcement and all lives, our leaders should educate the public about these common sense rules. This is what the Rev. Dr. Martin Luther King, Jr. would have us do now.

Supply Chain Leadership in Tough Times

What do Gandhi, Winston Churchill, FDR, Deng Xiao Ping, Bismarck, and Abraham Lincoln have in common? Despite the differences in times, places and circumstances, each of these took a large and divided group of people staring despondently in the face of an abyss and – with gritty determination, inspiration and pragmatism – steered them to relative safety and prosperity. These were the true leaders for the tough times.

No doubt, these are tough times. Reactions are quite predictable. Economists are debating whether this is technically a recession or a depression. Politicians are debating which groups of people deserve their largest largesse. Populations are moving from denial towards anger. Meanwhile Business People are wondering who will survive and how. In this article, rather than focus too much on technical definition of the economic situation, or on public psychology, or on politics of the band-aid handouts, we will focus on way out of business peoples’ dilemma. In doing so, we will try to look well beyond the simplistic two-by-two matrices and banal three-arrow-diagrams traditionally used by management consultants everywhere.

Tough times call for different style of leadership. Why? – We will quote one of our dear departed teachers to illustrate the point. Capt. Rewari, our navigation instructor in Merchant Navy Officer’s course used to remind us before every training session “when the sea is calm and in vast open ocean with little traffic – even your girl friend and my wife (both untrained navigators) can navigate a super tanker with very little training. But I am preparing you for the times where your skills will be truly tested – e.g. in treacherously narrow waters of Malacca straits in a tropical squall with shipping density of nearly 100 ships per square mile, and perhaps pirates chasing you.”

To find the way forward, we have to first briefly examine the dilemma currently faced by businesses – large and small. On one hand, in the absence of credit, all but most essential demand is drying up. Suddenly, even the well heeled are warily watching their dollars (and Yen, Yuan, Euros, Pounds and Rupees) lest they get caught without liquidity. But they are in minority. The majority is already facing a liquidity crunch – as debts are called in, expenses, overtimes and allowances are cancelled, and in some cases, jobs are lost. On the other hand customers are becoming even more demanding. While the margins are slipping, economies of scale and scope are eroding, surplus of production and inventory capacities is growing and the work-force is insecure and resigned. And this is only the first wave of the financial tsunami. Some analysts expect the second wave to be a lot more destructive.

So what has Supply Chain Management got to do with all this? We will come to that in a minute when we examine what we believe is the way out of the current dilemma. But first let us see how Supply Chains are ‘mutating’ as a result of the current economic climate. While a detailed examination of this topic is deferred to our article in the next issue of this magazine – we outline 4 prime DNA mutations in the Global Supply Chains that can likely result from the GFC (Global Financial Crisis):

1. Stifled Monetary Flows: Out of the three flows that constitute the Supply Chains, perhaps the monetary flow is the most vital. The adage goes money is the life blood of commerce. As the liquidity crisis bites, banks stop honouring each others’ Letters of Credits, the international trade grinds to a halt. Cargo stock piles at unlikely locations, shipping services are severely disrupted and all finely tuned supply chain planning and scheduling is out of the window. While the current legal mess will take many years to sift through, we suspect this will leave a permanent mark on the Global Supply Chains. Akin to permanently constricted blood vessels from a high cholesterol diet – this will expose the future Global Supply Chains to frequent threats of systemic seizure, lowering the velocity of trade and perhaps increasing the transactional burden. We will discuss the full implications of this in the detailed article.

2. Continual Price Discovery: Prices are starting to creep down again after the boom. In fact, with overcapacity in global production capabilities in most industries, inventories piling up, and varying propensity to price at marginal costs it is no longer easy to ascertain what is a ‘good’ price to pay – even for a short term contract, let alone for longer term contracts. We believe this on-going price discovery will accentuate as the GFC turns into a GEC (global economic crisis) and plays out over course of time. A stable price regime will only emerge on the other side of the crisis, perhaps after significant time has elapsed. While some consumers (such as those in Brazil, Argentina, Mexico, Indonesia) are used to gyrating prices, most other consumers will take time to adjust their consumption behaviour. Meanwhile, procurement directors, purchasing managers and buying offices face a thankless task akin to picking a number out of a hat and praying that their organizations will make money at that purchase price. We will discuss the full implications of the price discovery dilemma facing supply chain practitioners in the detailed article.

3. Potential Market Failures: This is the condition where despite sufficient demand and supply, the market does not clear at any price because of many reasons including disparate expectations on both side, and, political meddling. It is estimated that one of the key reasons for food shortages during the great depression was market failures rather than drought or lack of growing capacity. Add to this the instances where supply chain ‘partners’ are reluctant to trade with each other due to doubts about each others’ solvency (a recent case that comes to mind in this regard is the US retailer chain Circuit City which recently filed for bankruptcy due to this reason). Implications for the supply chain managers are many fold. Multi-sourcing will stand the single vendor strategies of last two decades on their heads. Supply Chain Risk Management takes a completely new dimension. Business strategy starts dictating horizontal and vertical integration at the same time – both difficult to execute in the times of a credit crunch. We will explore these impacts in a more detailed article.

4. Just-in-case Supply Chains: Last three decades were a continuous march towards Just-in-time (JIT). Even in countries where conditions were widely different from Japan, experts – academics, consultants and headquarters -admonished managers to shun Just-in-case (JIC) and move towards JIT. Looks like the time has come for JIC to take its revenge. Why? – with growing uncertainty about your suppliers, your bankers, your shippers, your logistics service providers, and countless others cogs in the supply mechanism that makes it possible for materials to arrive at your door in a pre-coordinated manner, you would want to keep buffer for any of them defaulting on their promise at any time. So does that mean all supply chain planning, scheduling and co-ordination is going to be worthless going forward. No, it is just going to become a lot more complex. Complexity that will be far beyond the capacity of any of the current supply chain planning software or tools to resolve. Human dimension is once again going to become paramount, but this time in adjunct to the best supply chain planning tools.

While the above looks like a veritable sketch of a doom and gloom scenario, it is really not any more different than navigational equivalent of maneuvering a laden super tanker through Malacca Strait when compared to the conditions we enjoyed over the last decade or so.

Human ingenuity, will and tenacity have always triumphed over the most insurmountable barriers. In comparison with some of the more extrinsic shocks such as tsunamis or droughts, the current situation is rather more tame and ‘self-created’. This brings us to the key question – what is the way forward?

We believe that the two things that mark the way out of the dilemma faced by corporations today are – Leadership and Supply Chains; hence the title of this article. Why so? Even in best of the times leadership is seen as a key differentiating factor among top performing corporations and their less effective peers. All research (e.g. Sobel, Collins etc.) points out that in tough times the need for good leadership becomes paramount, if not the only, differentiating factor. Supply Chains, on the other hand, have a different role to play. For the first time in human history end-to-end supply chain management has become a possibility over the last 20-30 years. The rules of competition have changed for ever after that. We no longer hunt alone. Only those who learn to organize themselves in symbiotic co-competitive relations with others will compete effectively in future. However, Supply Chains of future will be very different that the static, uni-dimensional supply chains of the past. Corporations looking for a way out of the dilemma would do well to focus on their Supply Chain Leadership capabilities.

Otto von Bismarck said ‘A really great man is known by three signs… generosity in the design, humanity in the execution, moderation in success.’ So, what are some of the key attributes of Supply Chain Leadership for tough times? We believe following 5 key attributes will separate the true supply chain leaders from the pretenders.

1. Hard Hitting Communication: Not surprisingly, on top of our list was an ability to concisely sum up the situation, formulate a plan and articulate it credibly. Whether it is ‘I have a dream’ speech of Martin Luther King, or the legendary wartime speeches of Sir Winston Churchill, tough times call for leaders who do not shy away from tough talk. Flowery, waffley language, hedging the bets and muddled thinking has no room in this situation. Supply Chain Leaders who cannot sum up the situation concisely to their executive peers and boards, or who cannot articulate a credible plan concisely will eventually be responsible for downfall of their entire corporation.

2. Disciplined Execution: Research by Sobel (Sobel, Robert (1972). The Age of Giant Corporations: A Microeconomic History of American Business, 1914-1970) revealed that only the companies who ran the tightest ships (e.g. General Motors under Sloan) came out on the other side of the depression in a much better condition that they entered it. This is no surprise. Tough talk is nothing if it is not followed up with determined action. As the inevitable roadblocks emerge on the planned journey towards the goals, effective supply chain leaders have to use every persuasive technique in the book to get through the roadblocks. Setting up a well oiled supply chain planning and control mechanism (a 21st century equivalent of the famous structure General Motors set up during the great depression) would go a long way towards providing an ability to run a tight ship through the storm. A background in having personally faced serious adversity and triumphed it in past would have provided the leader with a crucible to fashion the character necessary for disciplined execution.

3. Thriving on Chaos: As the credit crunch hits, market structures are stressed, and prices become wooly – an ability to understand, live with, and thrive on Chaos will become paramount. Given the probability that every body from America to Zimbabwe might end up in the same basket in the current political climate, an experience of successfully leading in basket cases of a few decades ago such as Argentina, Brazil, China, India, Russia etc is probably much more valuable now that the experience in straight forward predictable business environments of the western world. What does this ability to thrive on Chaos mean? It entails ability to keep ones head despite unexpected disruptions. To keep the organization moving towards the worthy, credible short term and long term goals – despite small and big ‘shocks’. Whether it is a single customer delivery, or manufacturing footprint rationalization, or reconfiguration of supply arrangement to suit a new market reality – it is important not to lose sight of worthy supply chain goals in face of the chaos.

4. Strategic Mindset: Facing Chaos on a daily basis shortens people’s attention span to an extent where they lose an ability to formulate a strategic intent and go after it. We believe that this ability distinguishes the true leaders from everybody else who faces chaos in the same environment as them. While it will be impossible to persuade a Laxmi Mittal, a Li ka Shing, a Carlos Slim to take a role in supply chain leadership in your company, numerous budding aspirants will gladly be available. How do we define a strategic mindset? An ability to simultaneously see what is, and, what could be. An ability to simultaneously see several viewpoints and decide how they can all be right and which one to use for the goal. An ability to simultaneously see and understand the situation from various level of granularity – right from a helicopter view to a dungeon view. While this can be taught in the business schools, we believe the best practitioners in the art of strategic mindset are self-educated.

5. Tenacity and Resourcefulness: Tenacity can best be explained by paraphrasing Churchill “Never give in, never give in, never, never, never, never – in nothing, great or small, large or petty – never give in except to convictions of honor and good sense.”

On the other hand resourcefulness is a trait developed by experience. The economists truly believe that resources are limited. (Perhaps that is why few economists ever become successful leaders.) True leaders find ways to garner resources magically out of thin air when none appear to be at hand. And they fully use their powers, persuasion, and all other means at their disposal to ‘release’ resources and energy towards the goals. This ability to prospect for diamonds during a mudslide is perhaps the biggest distinguishing factor of leaders.

In an academic study of the attributes and their causal relationship with supply chain success, each of above five attributes described above will probably fill a book and still be inconclusive. Fortunately, this article is aimed at practical business leaders concerned with results rather than bullet-proof theses.

Two important questions, though, are still outstanding. Firstly why technical supply chain skills did not figure in this discussion? We believe by now they are a ticket to entry, are not as important as the attributes listed above, their usefulness will erode as new techniques will need to be developed from scratch and they can be brought in on demand.

Secondly, are such supply chain leaders born or trained? In other words can you take a mediocre performer in your organization and by spending money on training convert him into a true supply chain leader for the tough times. We believe the answer is no. How about someone with leadership potential? Probably – but there your guess is as good as ours. Another quote from Malcolm Stevenson Forbes would perhaps summarise aptly – ‘Ability will never catch up with the demand for it.’