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WHAT IS ASSET PROTECTION?

By: Steven Rich, MBA
Marketing Manager for
Panama Offshore Legal Serevices

Everyone should be afraid of being sued with so many lawsuits being filed now days around the world.

You might think that you may never be sued.

How wrong you are!

Let’s first take a look at how easy it is to be sued now days. One of the first dangers is being indirectly involved with a lawsuit.

THE DANGERS OF JOINT & SEVERAL LIABILITY

This is a legal concept whereby an individual could be sued as a second or third defendant without having been directly involved with the original injury to the plaintiff.

Here are some examples of how you can be sued for Joint and Several Liability:

1. Your business partner commits theft, fraud, or a personal injury in the course of conducting business.

2. Your spouse is accused of theft, fraud, or a personal injury and the plaintiff sues the entire marital community (including you).

3. You render assistance to someone who was injured by another person and the plaintiff sues you along with the person who actually committed the injury.

4. A friend or relative borrows your car and gets into an accident. As the car’s owner you get sued along with the driver.

5. Your company gets sued for sex discrimination committed by one of your employees and you get named as a defendant because it’s your company.

6. Your real estate investment partnership, joint venture, or company gets sued by the federal or a state government because toxic waste is discovered on the property.

7. The IRS, or Revenue agency sues your partnership, joint venture, or company for tax evasion.

There are many more examples I could provide. The main thing is that you can be sued and become jointly and severally liable for an injury to someone without having been personally negligent. All that is necessary is that you were connected in some way. If you are dragged into a lawsuit and the other defendants are without assets or insurance, you may end up being held liable for the full amount of the judgment!

WHAT ABOUT INSURANCE?

Many lawyers recommend you purchase at least $1 Million insurance for each of your businesses, homes, land, cars, motorcycles, and boats you own.

This will cost you $ thousands in premiums every year depending on how large a deductible (which you’ll pay to the plaintiff) you are willing to afford.

But, is that really enough?

$ MILLIONS CAN BE AT STAKE

Let’s take a look at how large some of these lawsuit judgments can be.

There is a book entitled, The Professional Asset Protection Manual by Florida attorney Mark Warda (Galt Press) which lists some of the recent outrageous jury awards in the United States.

For example:

$84.5 million for children drowned and brain damaged in a swimming pool.

$49 million for a stillborn baby.

$41 million for a misdiagnosis of abdominal pain.

$5.87 million for sponsoring a party where a guest later caused an auto accident.

$986,000 to a woman who lost her “psychic powers” after a CAT scan.

$300,000 for slapping a daughter twice on the face.

$75,000 for spraying perfume on a person without permission.

$60,000 for cursing, which caused “emotional distress”.

Here are some other recent examples:

$12.7 million for a mistake in medication administered by a nurse.

$12 million to a doctor for failing to take a blood test for a rare disorder.

$7 million to a laborer who lost a limb at work on a construction job.

$160,000 to an employee who was “goosed” by fellow employees.

Don’t forget the widely publicized $2.7 million award to Stella Liebeck (for her injuries from spilling some hot McDonald’s coffee between her legs while driving).

In addition to the court award, you must pay
$ Thousands to your defense attorney!

Don’t forget the many hours you will spend meeting with your attorney, answering written questions (interrogatories) from the plaintiff’s attorney, attending depositions where the plaintiff’s attorney will grill you, attending court hearings (motions), and the trial itself.

Add all of the time and expense to the psychological and physical stress you will endear.

Just because I am using examples from the United States, citizens of Canada, Europe, Russia, Central & South America, and even communist China are being sued for similar injuries.

HOW CAN YOU PROTECT YOURSELF?

The best solution is to strip yourself of all assets and become what is known as “judgment proof” amongst the personal injury trial lawyers.

Most lawyers charge their clients no direct fee for filing a personal injury lawsuit. This is known as a “contingent” fee. It means that the lawyer will collect no fee unless he wins the lawsuit and can collect the court awarded judgment amount.

Before a lawsuit is filed, a careful lawyer will research the defendant’s ability to pay a court judgment. If the defendant is “judgment proof” meaning he has no insurance, no ownership of assets that can be seized to pay off a court judgment; the lawyer will not want to sue that defendant. That’s because the lawyer will spend all of his time and money pursuing a lawsuit with no hope of ever getting paid.

So, how can you make yourself Judgment Proof?

OFFSHORE CORPORATIONS, TRUSTS & PRIVATE INTEREST FOUNDATIONS

Owning a corporation set up in your own country may provide a little protection. However, a domestic corporation can be sued as well. In addition, your shares in a corporation are assets in which a judgment creditor can seize.

OFFSHORE CORPORATION: A better solution is to set up a corporation outside of your country (offshore). An Offshore Corporation can own real estate and vehicles in your country. For even better protection, set up different Offshore Corporations so each owns one of your major assets. For instance, one corporation owns your cars, another owns one piece of real estate, and another owns different real estate. As the old saying goes: “Don’t put all of your eggs in one basket.”

Therefore, use Offshore Corporations to purchase your homes, office buildings, apartments, condos, raw land, and vehicles. The corporations then rent them back to you. Now you are no longer the owner of these assets. They are owned by Offshore Corporations. You are merely a tenant.

Remember this, it is important that you sign a written lease agreement (preferably in front of a Notary Public) for these properties and duly Record them with the correct state or government agency requiring you to do so. For instance, a notarized Lease Agreement properly describing the real property must be filed with the appropriate county, state, or provincial government office.

Now you have written proof that you are not the owner of the real properties and vehicles which you are using.

Also, remember to always pay your rent. If you have a written rental agreement which you violate by refusing to pay rent, it can be declared a sham by the courts. All of the rent you pay will be deposited into your Offshore Corporation’s foreign bank account.

As for cash, deposit as much money into the Offshore Corporation’s foreign bank account as you can. These cash assets will also be protected from any court judgment against you.

ONE WEAKNESS: While an Offshore Corporation can legally own and rent your assets back to you, there is still one weakness when it comes to Asset Protection. The corporation’s shares may be in your name, or if they are in a form called “Bearer’s Shares”, they are still in your control. The IRS and most countries’ Revenue agencies require you to disclose any ownership in foreign corporations and bank accounts. In addition, a court could order such disclosures in a lawsuit.

You can avoid this weakness by having all of the Offshore Corporation’s shares held by either an Offshore Trust or a Private Interest Foundation. Then you can truthfully tell the IRS, Revenue and courts that you do not have ownership in any foreign corporations or bank accounts.

IMPORTANT: Before you set up Offshore Corporations and transfer assets to them, here is one more important fact. You must transfer your assets before you get into legal trouble or become exposed to a lawsuit.

FRAUDULENT CONVEYANCE: This is a legal term for someone who tries to hide assets from creditors knowing that a lawsuit has or will be filed against him. It is an attempt to illegally hide assets. Such assets will not be protected from a court judgment.

If assets are transferred before any act which arises into a lawsuit occurs, those assets will be protected. In other words, create your Offshore Corporations now and transfer ownership of your assets to them before you get into trouble.

CONCLUSION

Asset Protection is necessary in today’s lawsuit crazy world.

While the steps we have summarized for you above may seem difficult and complex, they really are not. That’s because using experts who know how to set up Offshore Corporations, Trusts and/or Private Interest Foundations will make this easy for you.

Protect Your Ass(ets) and feel better for the future!

© COPYRIGHT, 2006
Steven Rich, MBA
All Rights Reserved

Steven Rich is the Marketing Manager for www.panama-offshore-services.com which is Panama’s leading creator of Offshore Corporations and Foundations since 1998. He hold a MBA in Marketing & International Law.

The first time I ever heard “boundaries” mentioned, it was by my then husband. He informed me that I had to protect and hold his boundaries. (There was nothing that man wouldn’t dump at my door!)

It took me a long while to learn:

a)what boundaries were

b)that he was responsible for his own boundaries

c)that I had boundaries too

For women who’ve been through an abusive relationship, it can be hard to understand about boundaries; and harder still to establish them. Their lives are like great open stretches of country that pretty well anyone can ride roughshod over. (When the steppes are that open, it’s not that surprising that a Ghenghis Khan-like figure will gallop across them on a mangy steed, leaving a trail of destruction in his wake.)

These women may be able to be utterly uncompromising on little things. A couple I’ve worked with were adamant that hell could freeze over before an obscenity would ever pass their lips. Yet they’d let people take advantage of them endlessly with barely a murmur. Because they had no effective boundaries.

So what are boundaries? High walls and fortified defences are not boundaries, both because they leave the person inside them in a constant state of siege and because they can always be breached.

For me, boundaries are a series of gates into different areas of your life that you decide to open or close at will. Whether you choose to open them, or not, depends on whether you judge the person standing at them to be trustworthy.

Every area of your life where you feel even remotely vulnerable is a boundary. You have a perfect right, even a duty to yourself, to choose whether or not to let someone through any one of your gates. You don’t even have to be consistent. What’s right for you today, might be wrong tomorrow. That’s fine too. What’s right with one person may be totally wrong with another.

At this point you need to ask yourself where you truly stand in your own universe. If you stand somewhere on the periphery (or deep in space), you can’t possibly police all the gates into your universe. Marauders can invade from every direction before you can possibly mobilise yourself to close the gates.

When you stand at the centre of your universe then you have more or less 360 degree vision. You can keep a watchful eye on all the gates.

When you put yourself at the centre of your universe, you occupy the best position from which to (wo)man your boundaries.

And the curious thing is this: if a boundary is (wo)manned, most people won’t even try to breach it.

I coach women into developing strong boundaries.

(C) 2005 Annie Kaszina

Joyful Coaching

An NLP Practitioner and Women’s Empowerment Coach, Annie helps women to create strong boundaries, so they can learn to build healthy, nurturing relationships where they can give and receive the love they want, safely.

Email:annie@joyfulcoaching.com To subscribe to Annie’s twice monthly ezine, or order her eBook ‘The Woman You Want To Be, go: to http://www.joyfulcoaching.com

I’m what we in the business (the “business” being journalism) call a poacher turned gamekeeper – that is, a journalist turned press officer. As a reporter I spent a huge part of my day sifting through a slush pile of press releases, all sent out by eager business owners desperate to get some publicity for their latest project. As a press officer, I was the one writing the press releases and trying desperately to get them published.

Quite apart from leaving me with some pretty good conversation openers, it left me with a good understanding of what kind of story makes the news, and what kind of press release gets filed straight under “bin”. Here’s how to make sure your press release is one of the good ones…

1. Get your story straight

Before you even think about writing a press release, you need to make sure you have the right story. The fact that you’ve just started a business isn’t a good story. Trust me on this. At the last newspaper I worked on, I lost count of the number of press releases we received which basically boiled down to, “Hey! Guess what! I started a business!” Well, so did a lot of people. If you want your press release to work, you’re going to have to find an “angle” that your target publication will be interested in. There are various different ways to do this:

Tell a strange/funny/touching story about how your business started, or how you helped one of your customers.

Run a competition, offering your products or services as a prize.

Offer your expertise in an “ask the expert” feature or column (if your paper isn’t running one, offer to write it for them)

Conduct a survey and present your findings in the form of a press release.

Sponsor a local student or organisation

All you need to get your “angle” is a little bit of imagination. And once you have a story to tell, it’s time to start selling…

2. Writing your press release

First things first, remember it’s a press release you’re writing, not a novel. Of course, you want to make sure you get all of the relevant facts across, but try to do it concisely. It’s worth bearing in mind that the newspaper will probably re-word your release to make it fit their style or the space available in any case, so don’t worry too much if you’re not exactly Stephen King. Focus on your main points. Tell the reader:

Who

Where

Why

What

When

How

These are the building blocks of any story: as long as you get these down, you’re off to a good start. And speaking of starts…

3. Get your opening paragraph right

It’s a sad fact of life that editors are overworked individuals, and their time is precious. If the opening paragraph of your press release doesn’t grab them, they probably won’t bother to read the rest. In newspaper journalism, the convention is to make the opening paragraph short and snappy, and to use it to sum up the story as best you can.

4. Use quotes

Quotes are more interesting to read than straight text, and if you don’t include some, the journalist who receives your press release will have to find them for herself. Including a few ready-made quotes in your press release will reduce the amount of work the reporter has to do, and that will give your release a better chance of being used.

5. Include your contact information

No matter how hard you try to get it right, there will inevitably be some small point which the journalist writing your story will want to clarify, and to do that, they’ll need to be able to contact you. Making things easier on the journalist, makes it easier for them to give your business some publicity.

6. Follow up!

If your press release doesn’t appear in the very next issue of the newspaper you send it to, don’t panic! Sometimes it can take a few weeks for a release which isn’t time-sensitive to appear, but it doesn’t hurt to give the paper a quick call to make sure they received it, just don’t go overboard and take up too much of their precious time…

There is a new television show, called Blind Justice that will be replacing NYPD Blue. The show follows a Detective who, at the prime of his life and career, loses his vision in a heroic attempt to thwart a bank robbery and save other police lives. The shooting of this Detective results in his losing his eyesight/vision. He refuses the “disabled” label and sues to get his job back. What immediately struck me as I watched the promo for this new TV show was the idea of losing one’s vision. Not physically becoming blind, but losing the vision we once had for our lives.

In our childhood we all had visions of being “something”, a fireman, policeman, astronaut, president, etc. As we grew older those visions might have been replaced with others, but there was always a vision of who and what we would be. Do you remember yours? Do you remember graduating and starting your first job?
Didn’t you have a vision of where your life would go? Do you still have it? Has it changed? Do you even look at it?

Often as we grow into adulthood and the day-to-day responsibilities take over our lives, we lose our vision. We get caught up in surviving, taking care of business, as it were. But, without a vision we will remain stuck in the daily grind, only to one day look back and think, “Why didn’t I…I wish I had…”

Creating a vision for our lives entails looking into the future and imagining a perfect life. If nothing stood in your way, what would you like your life to look like in 5 years, 10 years, etc? Would you live on an island in the Pacific, would you be president of your company, would you be home-schooling your three children? Would you be living in a big house, small house or log cabin? What is most appealing in the vision of your future? Money? Fame? Stability? Family? Locale? Why is that the most appealing?

Having a vision is different than daydreaming. We can all daydream about winning the lottery, marrying a prince/princess, etc. Having a vision is more reality based. It often requires a lot of work, hard work, to attain the vision of our perfect life. Often it means foregoing immediate gratification for long-term happiness. To reach our vision we need to make plans, set goals and enlist support. We need to fully occupy our vision. Can you feel yourself living that vision?

Don’t let go of the vision you once had. Pull it out, look at it, tweak it where it need tweaking, or start anew, but embrace a vision and start planning how to make it happen. It sure can’t hurt! If you don’t you just may be looking back one day saying, “Why didn’t I…I wish I had…”

Beth Densmore is a Personal Life Coach and Motivational Speaker who offers support, inspiration and motivation to those who are in transition and want to achieve a goal. For more information and more free articles like this, visit her site at http://www.newfocuscoaching.com.

Are you tired of trying different diet plans, with no positive results? Turn to South Beach Diet. This is not a traditional low-carb plan. What makes it different is that here you’ll be encouraged to choose the right carbs like whole grains, certain fruits and vegetables and right fats like olive and canola oil and lean sources of protein. When you eat bad carbohydrates and fats you tend to feel hungrier and thus you end up eating more causing weight gain.

Good carbohydrates: They have a low glycemic index so they can be digested and absorbed slowly. They are high in fiber or high in good fats. You should also eat fiber or fat to slow digestion of the carbohydrates.
Good fats: They are polyunsaturated and monounsaturated fats, especially those with omega-3 fatty acids. Saturated and trans fats are bad fats.

How does it work?

South Beach Diet was created a well known cardiologist, Dr. Arthur Agatston. He developed this diet for his cardiac patients after a lot of scientific dieting research. The best thing about this diet is that you will get your three, normal size meals everyday and you can even enjoy your snacks and deserts. In just a short amount of time you will see incredible results. So you can not only enjoy your favorite foods but you can also put your fear of getting fat to rest.

According to Dr.Agatston, when you consume bad carbohydrates especially those found in foods with a high Glycemic index, they create an insulin resistance syndrome which is an impairment of the hormone insulin’s ability to properly process fat or sugar and not only this, bad carbohydrates also increase the chances of getting cardiovascular disease.Therfore his diet includes the consumption of good fats and good carbohydrates.

The three phases South Beach Diet:

This diet works in phases, the first two for a specific timeframe and the third phase for life.

Phase I -You will eat normal-size portions of lean meat, fish, eggs, reduced-fat cheese, nonfat yogurt, nuts, and plenty of vegetables including snacks and desserts. This will last for two weeks. You would have to high or moderately high-glycemic carbs so that you eliminate insulin resistance .This way the body will lose its insulin resistance, and thus use excess body fat, causing the dieter to lose between 8 and 13 pounds.

Phase II- Whole grain foods and fruits will be reintroduced in your diet, although in smaller amounts than were likely eaten before beginning the diet, and with a continued emphasis on foods with a low glycemic index. You should continue to lose weight until you reach the desired weight.
Phase III- This begins when you reach the desired weight. Here you will continue to make good eating choices which would include three servings of whole grains and three servings of fruit a day.

Effective way to lose weight:

This diet puts emphasis on changing your way of eating and variety of foods. It discourages eating of very refined processed foods, high-fat meats, and saturated fats in general. Agatston says that you should eat until you are satisfied and you do not have to count calories. You just have to eat the right food that is good carbs and fats. By decreasing the intake of bad carbs, it will help you metabolize what you eat more effectively and improves insulin resistance as well leading to weight loss

Jeffrey Meier of Jam727 Enterprises offers more detailed information on the South Beach Diet at http://www.Jam727.com. There are many other articles on health and other interesting topics there as well.

It was only a matter of time before they entered the minivan
fray and after several false starts the on again and off again
Hyundai minivan appears to be on once again. Hyundai is
targeting a market it has long sidestepped and it appears that a
long wheelbase version of the Kia Sedona will soon be sold in
the US as a Hyundai Entourage. The minivan wars are heating up
again even as one competitor exits the market and another also
gives serious consideration to abandoning the minivan segment.
Is there an Entourage in your future? Read on for all the
details and then decide.

Two decades ago, Hyundai entered the North American market with
its $3600 Excel Pony. This cheaply priced, cheaply built model
set the tone for the new importer and it wasn’t a good one at
that. Low quality went arm and arm with the low price, but
consumers still bought Hyundais anyway as a new Excel compared
favorably with prices for late model used cars of that era. Many
owners shrugged off the cheap plastics and quality problems,
citing that the Pony gave them something they never had before:
a brand new car.

Eventually, Hyundai expanded its line up and improved its
quality levels. An industry best warranty plan was crafted and
put in place which helped to underscore that Hyundai was serious
about building quality vehicles and would stand behind their
many products. Mysteriously, a minivan was not part of the line
up even as its Kia subsidiary successfully introduced the Sedona
and as demand for minivans remained strong.

Rumors of a Hyundai minivan have been circulating for several
years. Even previous company press releases hinted at the
possibility, but no official announcement had been forthcoming.
Finally, late in 2005, Hyundai signaled that they would go ahead
and produce a minivan based on the stretched wheelbase version
of the Kia Sedona. No short wheelbase van is planned, so the
Entourage will clearly target a slightly higher and more
lucrative end of the minivan market.

With a 3.8L V6 engine, power sliding doors, ABS, traction
control, six airbags, and triple zone air conditioning, the
Entourage will be equipped to compete directly against four
popular models: the Dodge Caravan, Chrysler Town & Country,
Honda Odyssey, and the Toyota Sienna. Based on the Sedona,
Hyundai does have its work cut out for itself as the Sedona has
been below average in quality and reliability.

To Hyundai’s advantage will be its competitive pricing and with
Ford out of the market and General Motors considering doing the
same, Hyundai’s focus will be set squarely on competing against
the two Chrysler products as well as the pricey Honda and Sienna
models. While Chrysler is currently the sales leader in this
segment, a smartly optioned Entourage will probably grab sales
from fully equipped versions of each model. This will not happen
if quality levels do not improve.

Knowing the competitiveness of this Korean automaker, you can
expect that the Entourage will present a strong battle once
quality issues have been overcome. Should that happen, you can
expect that the Hyundai Entourage and Kia Sedona will grab more
sales and become a force to be reckoned with. The consumer may
be the biggest winner as prices are likely to hold or even come
down in the face of strong competition.

An unsecured personal loan is a great way to consolidate debt, pay off other small loans, or clean up your credit. There are many reasons that people get unsecured personal loans. The important thing is to understand what having an unsecured personal loan really means. It is equally important to weigh all your options for paying off debt.

Let’s look at the responsibilities of having an unsecured personal loan. First it is important to understand that an unsecured personal loan means that you do not have any collateral for the bank to collect if you cannot pay your loan. This increases your finance charges and interest rate. The bank has to cover themselves when deal with an unsecured personal loan somehow, right? Your credit rating is a big determining factor to what you interest rate will be for an unsecured loan. Before applying for any unsecured personal loans make sure that your credit is the best it can be at this point. Of course if you are trying to pay off debts your credit will be lower. If you are in this situation you need to evaluate if getting an unsecured loan at a higher interest rate will be the better option that just trying to save money and pay the debts off as your budget allows.

When shopping around for unsecured personal loans make sure you take your time to find the best deal. Remember, you are not only looking for the best interest rate, you want to find the best overall package. This means you need to understand the interest rate, finance charges, and other fees that may occur during the life of the unsecured person loan. Most importantly you need to fully understand the route that the bank will take if you cannot make your payments for your unsecured personal loan. This is not something anyone wants to think about, but it is important to know.

There are many different unsecured personal loans to choose from so if you do your research either on the Internet or by way of talking with a financial advisor, you will be able to feel confident in the decision you make concerning unsecured personal loans. Once you understand the options you have with unsecured personal loans you can shop around for the best overall packages for the type of unsecured personal loan you have decided on. Whatever route you take concerning unsecured personal loans make sure it fits into you budget and you are confident that it is the best deal you can find.

For more information about unsecured personal loan, visit:
http://blogs.christianet.com

Many affiliates consider themselves information sources, or niche environments where people with specific interests meet and communicate. They (and their visitors) consider them to be experts in their fields, but they often don’t think of themselves as a brand. Thinking of their site in terms of brand identity is a jump for them. But branding isn’t just for monolithic companies like Microsoft or Procter & Gamble.

You have your own unique identity, you do things a certain way, people expect certain things of you – they trust you. You’ve earned what the annual reports of the big companies call “goodwill”. Goodwill is the value of the company above and beyond the pile of cash they’d receive if they sold everything the company owned. A niche site with a following has plenty of goodwill. So how do you capitalize upon it?

Create a special logo, typeface and “look” for your site. Take a look at your competitors and be sure that no one, no matter how quickly they look will mistake you for a competitor. Let your own personality shine through in everything. If you have pet phrases, what better than having them become part of the “speak” of your niche group. Develop a tagline, or better yet, have an online contest for a tagline. Who knows the brand better than the people who’ve invested in it? In everything you do, from answering questions on your blog, to choosing the tone of informational articles, keep your brand in mind. You’ll know it’s working when you hear your niche group refer to something as a very (your brand name)y way of doing things!

Karen Kari’s articles and more information on the affiliate business can be found at:

http://www.affiliatebandit.com

http://www.advertisingcellar.com

http://www.billionfreeads.com

Most government agencies cannot pass an audit of their expenses. I can vouch for that and have been a long-time advocate; that the government follow the same rules they force on business. Walk the Walk; In 1990 Bush Sr. signed The Chief Financial Officer’s Act. The Act called for 14 cabinet level departments and 10 major agencies to appoint CFOs and try to emulate business and accounting standards used in publicly held corporations. The act and other financial reform legislation that followed, required that 24 agencies produce auditable Financial Statements. Guess what?

In 2000 ten years after the act was the first year that all 24 agencies filed their statements on time. In 2002 there were 13 programs of 6 agencies with discrepancies of 20.7 Billion dollars. Those heads of those agencies should be prosecuted along with Arthur Anderson, the Shredders and any Enron people who are found guilty. The Justice Department has been unaudited or did not receive a clean opinion on their financial statements from 1996-2001. Don’t you think they should get their own house in order before attacking business? I think so.

These agencies waste money and haphazardly go about their business. Many feel they are crooks; read CFO Magazine March 2002 issue article entitled “FEDERAL OFFENSES.” We are not making this up, this is unfortunate, but accurate stuff. Let’s take the FTC for instance which amongst other things requires all franchise companies to have audited financial statements to prove their worthiness to consumers, yet their own agency cannot produce proof that they have their books in order. How dare such agencies wave their mighty flag at American Business who has built this great nations. How dare they condemn the only group who can bring us out of recession and maintain us after we emerge, how dare they hide behind their piles of BS and budget woes swept under the Justice Department logo’ed carpet and stacks of bogus paperwork.

Is this the best the Federal Trade Commission can do? Is this the best they can offer as they label business people fraudsters and crooks? Is this the best they can do as they file lawsuits against the entrepreneurs of America? Well quite frankly this is just not good enough. Time to downsize; think about it?

“Lance Winslow” – Online Think Tank forum board. If you have innovative thoughts and unique perspectives, come think with Lance; www.WorldThinkTank.net/wttbbs/

You Have the Power to Change Your Life!

Do you wish you could go back in time and make decisions that
would change your life? Well I am not a genie therefore; I am
not qualified to grant you any wishes! However, there is one
thing I can do which is tell you: that even though you can not
travel back in time, you can still change your life. Does this
sound good? Keep reading!

It does not matter how many mistakes you have made in life, how
old you are, how many people you hurt along the way, how many
wrong choices you made, etc. You can always start over with a
new day. You can change your life for the better as long as you
want to.

Even in the worst case scenarios for example a convicted child
molester came to light, he went as far as going to a popular TV
show and spoke about the horrible things he had done. Not that
he should be anyone’s idol but, you know what: he had guts to
come clean to the World and even though, he can never travel
back in time an undo the harm done. He has taken the
responsibility of telling parents how to protect their children
from people like him. As a parent I can truly appreciate such
advice.

As humans we have the ability to make mistakes, do harm, etc.
But most importantly we also have the ability to learn from our
experiences either good or bad. Forgive yourself and start all
over again. As I stated before: It does not matter how old you
are, what the odds are against you. If you would like to change
your life for the better; then you have the power to do so.

Make changes today,

Kenia Morales