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Ethics in the Financial Planning Industry

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Famous author Samuel Johnson said “Integrity without knowledge is weak and useless, and knowledge without integrity is dangerous and dreadful.”

The recent collapse of some of the biggest names in the financial services industry has borne witness to this thought. While part of the blame for the financial crisis was placed on lack of a strong regulatory framework, it was a largely a result of lowering of ethical standards by managements. This included performance evaluation and incentive structures that induced sale of high risk and inappropriate products without needing to prove sustainability, coupled with weak oversight, reporting and disclosures. The events also busted a common myth that that as long as you don’t violate the law, you are ethical.

The cost of ethical breakdown is usually more than just regulatory fines and litigation. It leads to loss of image and reputation, heightened scrutiny by internal functions and government agencies and even employee demoralization and attrition. On the other hand companies that have consciously invested in developing a strong ethics program have actually seen benefits by attracting similar minded employees and business partners. Sales in this industry are directly linked to trust – so stronger the image of the company, higher the sales in the long term.

The dictionary meaning of Ethics is “The rules or standards governing the conduct of a person or the members of a profession”. Ethics in financial planning can mean various things, many of which are not precisely stipulated by the law – like acting in the best interests of the client by providing objective and honest advice, providing full disclosures of risks and benefits, and transparency, fairness and professionalism in all business dealings be it product design or customer service.

There are many elements that go into creating an ethical organization. A few that come to mind are:

Company Values: Values and expected behaviours set the tone for everything a company does. But it is important to constantly communicate these through real life examples and most importantly by consistent behavior of senior management.

Policies and Training: Create policies that document purpose, procedures, roles and responsibilities, reporting requirements and penalties for non compliance. Reinforce Company culture, code of conduct, legal & regulatory obligations and policies through training.

Embed transparency and fairness into product design, sales literature, advertising and all customer communication

Reward and Recognition: Ensure incentive structure rewards the behaviours that you want to encourage and include values and ethics component in performance appraisals.

Build strong risk management, controls and audit programs to ensure issues are anticipated or highlighted in time.

Whistleblower Protection: Create easily accessible channels for employees to escalate issues and have a robust process to investigate and deal with such complaints. Protect confidentiality to the extent possible and ensure non retaliation against whistleblowers. For employees to have faith in the process it is equally important to take swift and concrete action against offenders. This also displays how serious the company is about integrity.

The financial services sector is entrusted with consumers finances and therefore it is important that it takes the lead in setting the highest ethical standards.

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The Cyprus Real Estate Market

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On the 12/1/08 Saturday Mr Antonis Loizou has given a lecture at Ayia Napa on behalf of the U.K. Alzheimer’s Society, which was attended by 120 mainly foreign residents in Cyprus. The subject was the Real Estate Market in Cyprus. We provide a shortened version of the speak.

Real Estate Investment, be it a house, land income producing property or development, has been so far a “safe” investment in terms of security of capital. Since 1974 prices have been moving upwards at varying rates p.a. Upto the year 2001, prices moved upwards on average 7% – 10% p.a., but since the Cyprus Stock exchange crash, investors interest turned towards real estate. Cyprus’ inclusion to the E.Union, coupled with the most favourable tax system in the E.U. and the Russia-Cyprus double taxation treaty, has caused Cyprus to attract an increasing influx of European and Russian interest, which has helped real estate investment in Cyprus.

The lifting of restrictions regarding property purchases by E.U. companies and citizens, has widened the scope of real estate investment and now, it is estimated that foreign buyers in Cyprus real estate contribute around CP700 mil. This is just short of the biggest foreign exchange earner, the Tourist Industry and its CP1.200 bill. p.a. and far ahead from the third biggest foreign currency earner i.e. the offshore companies contribution of around CP350 mil. p.a.

This keen foreign demand, coupled with the local interest as well as the added taxation on real estate, such as V.A.T. of 15%, has caused prices to move at a rate between the years 2002 – 2004 of around 15%p.a., whereas the very recent years prices have shot up by almost 20% p.a.

This is particularly so regarding building plots and land and more recently towards agricultural land. With prices of development land being so expensive and with the planning laws allowing the development of a single house just about everywhere, the public’s interest has been diverted with an increasing volume towards agricultural land, where prices have shown increases in excess of 30% – 50% over the last year alone.

This situation of high development land cost, converts now to around 40% of the total development cost of any house/apartment, whereas a couple of years ago, the land cost on a building sales price amounted to 20% – 22% only. This unhealthy state of affairs will get worse with the introduction of VAT on building land from 1st August, 2008.

So, when it will end and more importantly are we heading for a real estate crash? I doubt it. Since so far these substantial increases in property prices, have been absorbed by the public, be it, it has affected the rate of sale mainly for the less competitive projects making in part, the market, rather unpredictable and somewhat uncertain.

To this negative picture one must bear also in mind that various positive/balancing measures that are now in hand. The reducing interest rates [as for 1.1.08 from 4.5% this rate it is reduced to 4.0%] and the longer repayment periods of loans that are now offered have helped.

The new Central Bank measures regarding own contribution in buying or developing real estate which has increased the original contribution of 20% to 40% [for non own users – permanent residents] is expected to affect the “by to let” market, since returns/fields in Cyprus are very low [around 4% p.a.] and it is one of the lowest in the popular holiday home destinations in Europe, whereas high cost of air tickets etc. makes letting not as easy as in other countries [some balance may be gained when low cost air fair airlines are in full operation in Cyprus].

The pending new infrastructure measures such as the pending development of the two airports in the Island, the pending development of the 4 new marinas [expected to come around the year 2012] now under offer, as well as the expected 7-8 new golf courses, will add to the island’s attraction, making Cyprus, perhaps, the most densely area in Europe in terms of golf courses per population. On the other hand if these projects materialise [i.e. golf/marina/Larnaca port projects] they will place in the housing market [mainly directed towards the foreign people] around 10.000 new housing units in addition to the normal number which are now produced [approx. 5.000 p.a.] With the existing demand of around this number [5.000 units] and even considering an increase in demand due to the above infrastructure properties, the supply will surpass demand in the year 2010 -2015 with possible negative affects on the holiday home market prices.

Buying / building real estate/homes in Cyprus is easy, since it is the most popular business. At this point of time “Property Development” is carried out by just about everybody independently of qualifications, financial status, honesty etc. For this reason we note an increasing percentage of delays uncompleted projects, projects without a permit etc. and as such, care is needed. For this reason I have prepared for your consideration our firms “10 Building commandments” which every potential real estate buyer should follow as much as possible.

Buying in Cyprus is easy, but selling your property is another matter however. One must compete with the aggressive and well connected developers, well organised estate agents [some of which charge in excess of the legal 3% -5% – rates reaching upto 15%] so you must take into account not to be in a particular hurry should you want to sell your property.

As I have said before, real estate prices have recently moved upwards at a rate of 20%. This is partly due to the foreign interest which represents approx. 20% of the total real estate acquisition in Cyprus. This is a very high percentage especially where it is concentrated in certain areas. So care is needed since if you chose to invest in such popular areas of foreign people concentration, you stand a higher risk of price adjustments up and down, since foreign people behave differently than the locals whose demand/supply is inelastic.

The following table is quite an interesting one illustrating foreign peoples concentration [on a % of the total demand of the area]

Pafos Limassol Larnaca Nicosia Famagusta

90% 40% 50% 5% 50%

What are we going to do with the Russians my dear friends? As this country becomes more stable and as oil prices move upwards so the middle/upper middle income, Russian people will become more and more financially able and to turn their attention to the holiday home destinations. The average sale prices per sq.mt. for this type of property that the Europeans usually buy is in the region of CP1.500 – CP2.500 [max.] per sq.mts., the Russian market with a particular interest for Limassol, has even shown prices of CP4.000 – CP6.000/sq.mt. for beach units.

With a mathematical calculation Cyprus beach and even the near the beach locations will be acquired by the foreign market and this is something which one must consider. Foreign buyers demand affects the local population whose income is not competitive to the foreign market and who is gradually outpriced.

This will create several problems, whole areas/towns will be inhabited by foreign residents, at periodic visits [see Sotira area west of Ayia Napa] and even the complete take-over of small villages and I dare say towns [see Pafos in 10 years’ time]. Ofcouse I am not against the foreign market and I know that Cyprus cannot go back to the restrictive system on foreigners real estate sale, so it is more of a theoretical approach than otherwise.

We live in a global economy and now with the E.U. travelling and settlement abroad will become easier and easier. Cyprus is at a fortunate position regarding the weather, be it with little drinking water, but in closing, I will say that yes, invest in real estate, but take care and do not outstretch yourselves financially. Do not depend on rental income to repay the loan, bearing in mind that you need around 10% of the 12 month income of a residence to cover repairs/void periods and management, in addition to any tax implications, including your tax liability in the event of a resale.

For those who are permanent residents however, my advice is try to learn some Greek words or even better, to speak the local language. I know that trying to learn Greek is most difficult [two types of languages, the written proper Greek and the local Cypriot speaking Greek – quite difficult]. If you manage to master part of the language, it will make your life much easier, although I am aware that even when you attempt to practice your Greek language skills, people will quickly reply to you in English.

If you manage to speak the language I can assure you it will make your life much easier/happier here.

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Pro Se Primer 101 – 3 – Constitutional Irreducible Minimum Requirements of Standing in Foreclosure

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STANDING AS DEFINED BY THE UNITED STATES SUPREME COURT

“Why put all of the blame on the attorneys? Hell, most of them don’t know the law.”

If you were to walk into a 2nd grade elementary school class room and see that all of the boys are standing on their desks shaking their butts, laughing and shouting, and throwing things at the girls in the class, who respond by screaming and running, and then you notice that the 2nd grade teacher is setting at his desk doing nothing to stop the chaos, would you really blame, the children?

No, it is the teacher who is charge of the room. If the teacher does not enforce the rules of classroom behavior, then the children will act like wild monkeys. How would they know not to?

It is no different than the judge in the court case who is charged with controlling and enforcing correctness in information and procedure in a court case.

If the judge does not enforce the constitution, which is all that keeps this country great;

If the judge does not make the attorneys prove their claims and/ or does not keep them from claiming transfers of ownership of essential Promissory Notes with assignments of incidental security instruments (mortgage or deed of trust) which do nothing but describe the collateral, then, of course the attorneys are going to forge and fake and lie, worse than wild monkeys;

Then lack of subject matter jurisdiction is the fault of the judge of the court. He or she places the burden of proof of standing on the borrower (very nearly every time), yet it very clearly is the burden of the court.

The judge promised when he took the job that he, or she, would enforce and protect the laws that come from the constitution and that they defend the court ferociously from losing the public trust. Maybe that was too much to ask from a pompous ass.

Why did we all expect more of judges and attorneys anyway?

If I am any part of the public, then I can tell you for sure, the courts have lost some of the public trust.

It is difficult to pull Borrowers back from their searches for Promissory Notes, Assignments of Mortgage, MERS, PSA etc., etc., thinking like Dick Tracy and looking for a way to “prove” that the party trying to foreclose on them does not have the authority, or, STANDING, to do so.

But, if what I say is true and the judges are letting the attorneys run amuck like the 2nd graders in my description, who can blame the attorneys for running amuck. “Amuck” is quickly becoming synonymous with the “actions of the courts”.

If you had seen judges simply ignore proof when it is presented as much as I have, then what I am really trying to say is that this whole thing is only about Standing and in constitutional law only the court (the court is the judge and the judge is the court.) has the initial burden of determining if the foreclosing party is a Plaintiff with Standing.

It is only the Supreme Court that has original jurisdiction over all issues of Constitutional rights. No state judge or local judge should claim that they have superior jurisdiction to the Supreme Court and it’s decisions.

The way it has been practiced for the last 15 to 20 years has been exactly the opposite.

The judges have been sitting up there on their hands on the bench and waiting for the Borrowers to describe what the foreclosing party was up to and forcing the Borrower prove it. These cases nearly always begin with the judge placing the burden on the Borrower to prove what the Foreclosing Party has tried very hard to hide. That is a ridiculous premise. John Adams, Thomas Jefferson and the rest thought so too.

If an act of fraud is working here, then by definition the act was meant to be kept hidden.

How would the Borrower prove or disprove something he was not privy to. It is the foreclosing party who must claim that he has been wronged by the borrower and it is this same foreclosing party that must prove it (not claim it) with evidence which is “concrete and particularized”.

So, the way it works in reality law is that the judge cannot even preside over a case until he reads what the Plaintiff (in judicial states and defendant in non-judicial states) has written in their lawsuit to make the claim that the court should hand them the deed to your home and that they should get to sell it and keep the money. How this has been allowed to happen illegally ten million times is a shameful disgrace for the majority of our judiciary. It is truly unbelievable. Not untrue, just unbelievable. (There have been many beautiful and sane rulings also, but it is nowhere near “fair” yet.)

It would be very difficult for me to show you how Challenging Standing s is supposed to be working, because no one is doing what I am doing, so it is still, in essence, only in my head. There are hundreds of citations concerning case rulings on the subject, but they are mostly contract law cases from other industries. Home Loans funded with a Promissory Note are all contract law, but no one is doing it enforcing them is the correct way as required by United States Constitution, the basis of all American law.

That doesn’t change how it works with your home loan, because contract law is what governs home loans.

So, since it is the judges burden to know that he or she has subject matter jurisdiction, which he needs to even begin the case, he must see the proof of standing the Foreclosing Party wrote in his lawsuit.

Borrowers, before anything else, you must first understand the proof that is required to establish Standing. If prooff has not been presented and the judge rules without Standing and therefore without subject matter jurisdiction, then he has broken the law and this is the only situation where a judge does not have “absolute immunity”.

If he rules against you, right or wrong, without having “subject matter” jurisdiction he has done so as a “civilian” and if has barred you from any of your constitutional civil rights, he is liable to you for any money or property harm that you have suffered. You don’t really sue the judge as a judge, you sue the man or woman who acted as a judge without the requirements needed to create a legitimate court with subject matter jurisdiction.

There was no legitimate court for any foreclosure case that I have ever seen. I have seen as many as anybody.

So, first things first. Review, slowly and carefully what the US Supreme Court has determined is the constitutional minimum requirements for Standing. The words they use is the strategic offense you will use to keep your house safe from anyone that you do not owe the money to.

Let me know if you can see how those words fit your situation. If not, we will go over them again before moving on, as to how and when we would apply them.

Below is an actual paragraph from my own motion to vacate a void judgment of foreclosure.

Plaintiffs have filed to Invoke their Rights to Challenge the Standing of the Defendants at any Time Under Article III of the United States Constitution earlier into this court case, yet this court failed to even mention or give any recognition that the court had even read the Borrower/Plaintiffs’ invocation of this fundamental constitutional civil right, which was foremost the responsibility of this court.

Plaintiffs state as follows and the court ignores at its own peril:

1.) That Article III of the Constitution of the United States and the Supreme Court have established a constitutional irreducible minimum set of requirements for a party in a genuine dispute to establish Standing. Without Standing of the Foreclosing Party, all courts in the land must acknowledge that the court has no jurisdiction to hear any merits of a case and must dismiss the subject action, in this case the void and fraudulent foreclosure of Plaintiffs’ property.

1a.) That only the United States Supreme Court has original jurisdiction over constitutional question issues.

(The decisions of the United States Supreme Court, whether right or wrong, are supreme: they are binding on all courts of this land, Hoover v. Holston Valley Community Hospital, 545 F. Supp. 8, 13 (E. D. Tenn. 1981) (quoting Jordan V. Gilligan, 500 2 F.3d 701, 707(6th Cir. 1974).

(The lower courts are bound by Supreme Court precedent, Adams v. Department of Juvenile Justice of New York City, 143 F.3d, 61, 65(2nd Cir. 1998)

(Walker v. Quality Loan Service Corp. of Washington et al., No. 65975-8-1)

(Washington State Supreme Court, Bain v. Metro. Mortg. Group, Inc., et al.175 Wn.2d 83, 285 P.3d 34 (2012))

2.) That the requirements in a case of Non-Judicial Foreclosure actions are:

1. The foreclosing party must claim and prove with concrete and particularized evidence that it has sustained and Injury in Fact.

2. This Injury must be fairly traceable to the foreclosed party with concrete and substantive evidence.

3. The court must be able to redress the injury with a ruling in favor of the injured party.

3.) That if it is the alleged foreclosed party that is the claimant party then it must also 1. claim and prove an injury in fact. 2. Its’ injury must be fairly traceable to the foreclosing party. 3. Its’ injury must be able to be redressed by the court.

4.) That the United States Supreme Court defines the requirements of Standing as:

3.1.B. The Constitutional and Prudential Requirements of Standing

Inherent in the constitutional limitation of judicial power on cases and controversies is the requirement of “concrete adverseness” between the parties to a lawsuit. The rise of public interest law litigation involving claims of non-economic loss has forced the Supreme Court to craft an analytical framework for determining whether the requisite adversity is present. The Court requires that plaintiffs establish that the challenged conduct caused or threatens to cause them an injury in fact to judicially cognizable interests. By establishing that they personally suffered injury, plaintiffs demonstrate that they are sufficiently associated with the controversy to be permitted to litigate it. The question of injury raises two questions –

(1) what kinds of injuries count for purposes of standing and

(2) how certain the injury must be if it has not yet occurred.

3.1.B.1. Injury in Fact

The Supreme Court has held that, to satisfy the injury in fact requirement, a party seeking to invoke the jurisdiction of a federal court must show three things:

(1) “an invasion of a legally protected interest,”

(2) that is “concrete and particularized,” and f

(3) “actual or imminent, not conjectural or hypothetical. The following section discusses several types of injuries considered by the Supreme Court in determining whether there is a legally protected interest.

3.1.B.1.a. Economic Interests

The Supreme Court has had no difficultly determining that economic interests are legally protected interests. More difficult is determining when economic injury that has yet to occur is sufficiently imminent and likely to confer standing. The Court has been relatively forgiving in this regard. Economic injury need not have already occurred but can result from policies that, for example, are likely to deprive the plaintiff of a competitive advantage or a bargaining chip. In Clinton v. New York, for instance, the Court held that New York had standing to challenge the veto of legislation permitting the state to keep disputed Medicaid funds. The veto left the state’s ability to retain the funds uncertain, subject to the outcome of a request for a waiver. Despite this uncertainty, the Court regarded the “revival of a substantial contingent liability” sufficient to confer standing.

3.1.B.5. Injury Fairly Traceable to the Challenged Conduct

In addition to alleging injury in fact, the plaintiff must demonstrate that the injury is fairly traceable to the defendant’s unlawful conduct. In cases in which the government acts against the plaintiff, causation is simple.

3.1.B.6. Relief Sought to Redress Injury

A corollary to the Supreme Court’s requirement for standing, that the injury alleged be fairly traceable to the challenged conduct is the separate requirement that the relief sought must redress the injury. In the great majority of cases the inquiry into causation and redressability are indistinguishable.

Thus, in Warth, the Court held that there was no reason to suppose that the elimination of exclusionary zoning would enable the plaintiffs to obtain housing in Penfield. In Eastern Kentucky Welfare Rights Organization, the Court held that there was no reason to think that revoking the IRS Revenue Ruling at issue would assure that the next ill or injured poor person would be admitted to a hospital.

Furthermore, in Allen, the Court held it was entirely speculative that revoking tax-exempt status for allegedly discriminatory private schools would serve to foster public school integration. What is peculiar about the Court’s concern for redressability is the elevation of the question of remedial efficacy to constitutional status.

While the scope of equitable relief to redress unlawful governmental action has long been a matter of controversy, not until City of Los Angeles v. Lyons did the Court clearly articulate the requirement of remedial efficacy as a constitutional component of standing. The plaintiff in Lyons sought damages and injunctive relief after being choked by city police officers. He alleged that the city permitted the police department to use unnecessary choke holds indiscriminately. The Court conceded that Lyons had standing to sue for damages. However, the Court held that he lacked standing to seek injunctive relief, as an injunction would not redress his injury because it was unlikely that he would be arrested and choked again.

You really aren’t trying to outsmart attorneys or that joke of an entity the foreclosing party. What you really want to do is to place the judge in as much of a pickle as you are in (jeopardy).

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When Did You Last Put Your Product Or Service to the Public Test?

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This was a great interview about what is so great with the consulting business. When you see parallel situations you can capitalize on, leverage and charge twice as much for, this is a great opportunity. We did the same thing; we came up with the reliability certificate and mailed it out to qualified prospects.

Before that we did some extra work on this one. We came up with a ‘return on investment’ comparison between our steam machine and the top competitors. We learned in the USP project that our steam machine lasted much longer in the field than all the competition. So we put together a little ‘return on investment chart’ that showed how much money our clients were saving by buying our steam machines.

It’s true we did extra work but that was the ‘key’ in helping us integrate this reliability and get the free report together. Now it is being offered on the web and by the distributors. This free report shows how our steam machine makes more money for customers than any other out there.

Now the sales people, four of them; inside sales people, are sending out free reports before they give any bids. They have dealers on the other end working with the end users and use that free report, plus the ROI analysis as part of the bidding process. That was huge integration in step 2. Getting those inside sales people sold on this report.

Then with step 3, the database. We started to get distributors using the report. We did more training around the USP and the ROI report. Alliances were also working with more distributors doing more marketing on their end. We went through the four steps and that finished about a year ago. Later Rich got an email from Jack the owner, and he said, “Richard, I just want you to know that we are having a record year because of our USP and because sales people are qualifying better, not wasting time on bids that shouldn’t be.”

So you see, a good USP is what you want. This helps eliminate prospects you shouldn’t be working with. What was happening here was the Steam people were getting burned out. Their engineering department, drafting, and design department was getting drained by bids that they should not have been submitting because these were all ‘price oriented’ buyers.

They didn’t care about an ROI on a steam machine. Once the ROI reports started being used by the sales people. For example; a guy would call and say; “I want a bid.” The sales person would say, “Before we do that bid, I need you to read this ROI report. Let’s go over it together first and see the advantages our machine has.” Guess what would happen if they didn’t fill out that report?

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How to Make Plastic Surgery Marketing Reach More Patients

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In this article, I’m going to show you how to creatively make plastic surgery marketing reach more patients.

The secret is to be compelling so patients who see it, want to share it with their friends and family. For example:

Facebook Live Cosmetic Treatment Video

This is How to Make Plastic Surgery Marketing Reach More Patients… Have your staff shoot a video performing a simple cosmetic treatment on a real patient. Do something simple like a peel, IPL or micro needling treatment.

Walk the audience through what you are doing and ask the patient how they’re doing so the viewers can see how easy cosmetic rejuvenation is to perform. Invite them into your practice for a complimentary skin analysis and urge them to share this video with their friends and family.

Urge the viewers to “comment below” so you can answer their concerns and questions. The interaction helps build interest and shares.

Word-of-Mouth Referral Program

Another Retention strategy that makes sense is a referral program.

There are many ways to do this but my advice is to KEEP IT SIMPLE. These programs bomb when they are too complicated and confusing to the patients and the staff.

A super easy referral strategy is a Customized Word-of-Mouth Referral Display with take-a-way Referral Cards because your patients would refer more often IF they were reminded AND it was made EASY for them to do so.

This strategy is How to Make Plastic Surgery Marketing Reach More Patients and generates new patients every week and makes it easy for your patients to brag about you to their friends.

So you’re not hoping new patient referrals come in – they just come in automatically because they are part of your plan.

YouTube Q&A with the Surgeon

How to Make Plastic Surgery Marketing Reach More Patients also includes YouTube videos. Start your own YouTube channel and answer questions you get from your patients. Don’t overthink this or over-prepare. Just talk candidly as if you are talking to a prospective patient asking you questions about the procedure they’re interested in.

After uploading each video, send an email out to your patient list with the link to click to watch it on YouTube. Name your video with a compelling question; I.e, How Long is Liposuction Downtime?

Now anyone online looking for the answer to that question will find your video.

The above strategies on How to Make Plastic Surgery Marketing Reach More Patients included internal and external marketing ideas to execute. You can either outsource to an experienced vendor who knows about graphic design and social media advertising or assign this to your most tech-savvy employee. They can “learn on the go” by researching forums and tutorials.

What To Do Next

If you want to focus on the right activities and get results 5X faster than other practices, download my free marketing checklist now!

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Is There Any Free Search Engines For Unlisted Phone Numbers?

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Is there a free search engine for unlisted phone numbers? NO, there is no free search engine for unlisted phone numbers but there are steps you can take to get the details behind any type of phone number with success.

Here are some of this steps :

Search engines : Search engines such as Google, MSN and Yahoo are very good places to do a free unlisted phone number search. This is because businesses and even individuals who do business online leave their unlisted phone numbers on their websites or blogs where the search engines can easily find and display them. This method is often ignored but it is a great way to get the details beholding unlisted phone numbers.

Downside : There is no guarantee that the owner of the number has done any business on the internet.

Answers community : This is not free search engine for unlisted phone numbers but it is a very good way of trace any type of number for free. You can join answers community such as answers.yahoo.com and ask other members to help you get the details behind the number you are trying to look up. The chances of someone having a membership to some of the paid directories is very high

Downside : It can take you several days before you get the information you need and the chances of those who have membership to paid services not helping is also very high and you can’t blame them.

Paid services : Many people avoid using paid services because they wrongly believe it costs too much money to use this services. Fortunately, it is now very possible to find unlisted phone numbers with paid services for as little as $14.95.

The good thing about these paid services is that it is almost certain that you get the details you are looking for. Another great plus is that you will get the details under 5 minutes and you can be sure the information generated is accurate and up to date.

Some of the information you will be given include :

– Full name of the owner

– Their present address and all previous addresses

– Issuing location

– Carrier or telecommunication company’s name

– Date of birth

– Criminal records

– Marital status

– Home value

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Career Change Do’s And Don’ts

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People have plenty of decisions to make every minute of their lives. What dress to wear, what time to leave home, what color tie to wear, etc. Unlike these decisions, there are some that need a good deal of contemplation.

Everything in life might be going well; you might be able to lead a decent life with the salary you get, the children can go to school and even if your spouse doesn’t work the house still manages on your paycheck. But, deep inside there may be a voice that says something isn’t right. The current job you have isn’t the one you enjoy doing. Listen to that voice, especially if it starts affecting your work and you cannot concentrate.

Think of alternative jobs that you could do instead of your present one. The career change you decide on can turn out to be the most exciting in your life.

Here are a few do’s and don’ts to keep on mind when changing your career:

Do’s

o Planning a career change is difficult and it is best to have a plan. Think long and hard before making any decision, as this will affect your career in the long run.

o Since you are making a change, consider a job that is not similar to the present one. Also consider careers which make optimum use of your interests and skills.

o Network with people through friends and business associates. This is the best way of finding out about the industry you would like to join.

o Consult a friend or someone who has knowledge of the industry and can act as a mentor, advising you and helping you to focus on your goals.

o If your chosen field requires additional qualifications, think of ways you can do it and the course you could opt for.

o If possible, try to work part-time for the job you want. This can help you understand the intricacies of the new job.

o When you start working on the new job you should take time to adapt to the new surroundings and system of working.

o When you quit a job, leave on a positive note. Keeping good relations with your past employers will help you in the future.

Don’ts

o Don’t have too many expectations from the job; you could be disappointed if things don’t turn out the way you thought.

o Don’t discuss your plans for a change of career with your office colleagues until you have a solid offer in writing.

o Don’t be dazzled by the glamour and big money that some jobs offer. What you should to look for is job satisfaction and a secure future.

o Don’t expect a career change to be instant; it might take more time than you expect.

o Don’t leave your current job until you have another one in hand. You never know how long finding the job of your choice will take. If it takes longer than expected, you may have to consider paying bills from your savings.

Do away with all your inhibitions about making a successful career change. Your job and how you perceive it has an effect on you, your family and your future.

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