Jan 24

HR Jobs in India Are Growing

Indian economy is witnessing a major boom after the economic slowdown, looming large on world economies made an exit. Thousands and lakhs of jobs are entering back in the market gleefully paying higher and better than before.

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Human resources or HR jobs in India are the current favorite as all the sectors are lifting up. HR is an extremely significant and highly functional department of an organization that is meant to take care of the employees. Human resources professionals are present in all kinds and sizes of organization as it smoothly integrates with the company’s operations. So, the scope for jobs in HR is always very wide and with the fast developing economy of India, it is expanding further.

Human resource management or HRM as known widely tackles the issues related to recruitment, management and appraisal in an organization. It tries to keep the employees happy, as a family by organizing various fun events and occasions. Other matters like compensation, hiring, employee satisfaction, benefits, administration, training etc. are also handled by the human resource department. Moreover, they help the organization to

– get right kind of employees,

– train them at regular intervals of time (for continuous development of both the company and the employee),

– create good working conditions and environment,

– organize events during festival seasons and

– Judge the satisfaction level of the employees.

Therefore, HR department is an indispensable department that must be very efficient for the right functioning of the organization as a whole.

The responsibilities of HR executives depend on the size of the company as the division of work varies. In small organizations, HR executives should be very knowledgeable as to be able to take care of all the activities in the department. On the other hand, there is a large pool of HR professionals who are lead by their director in large organizations. The department is further divided into sections that are headed by well trained and experienced managers who accomplish tasks with the help of the team of executives and middle management. These sub divided departments can be employment & placement, training & development and compensation & benefits.

Some of the positions you can apply for to land up with a job in Human resource are:

-Employment and placement managers

-Recruitment specialists

-Training specialists

-Labor relations managers

-Occupational analysts

-Employment interviewers or human resources consultants

-Compensation, benefits, and job analysis specialists

-Employee benefits managers and specialists or employee welfare managers

-Training and development managers

A career in HR is apt for those ready to listen to problems and worries of the problem with the willingness to find the solution. It is for this reason that the importance of human resources jobs in India has grown and occupied a significant stature. The corporate world is using it as an effective tool in managing their day-to-day business as it acts as a bridge that helps in narrowing down the communication gap between the employees and the management.

The responsibilities of an HR person may include the following- Manpower Planning, CV Capturing, and Interview Scheduling, Compensation & Benefit code Management, Formula Management, Asset Management, Loan Management, Payroll Process, Income Tax Management, Employee MIS, Cheque Generation and Journal Entry Generation. HR jobs in India are about collaboration, networking, sharing and problem solving.

The entire business of an organization depends on recruiting, retaining and motivating the right employee. This makes it extremely important that HR professionals of the company are well qualified and trained rightly to make the right hiring and managing decisions. The right education helps in developing and strengthening the required skill set for the profession.

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Jan 23

How to Secure Self Storage

Self storage is something you may need to use to help keep your home clean and organized. Make sure the facility you choose is secure and offers the options you need to keep your things safe.

Self storage is becoming a popular way to protect the belongings you want to keep but do not have room for in your home. Numerous facilities in most areas can offer you some level of room to protect your items. However, some want to use these facilities but worry that they are not as safe as they should be. Can you trust the facility to protect what you have in these units? If you are not sure how to add security to your list of must-haves when shopping for these systems, consider the following.

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Location Is Important

One of the biggest factors to take into consideration is the location of the self storage facility. It should be close enough to your home that you can easily visit it, but also consider security. Is the location in an area that is overall safe? In some cases, you may not realize how important location is.

What Does the Facility Offer?

When comparing the various facilities in your area, also take into consideration the features and steps the company takes to keep your belongings safe. Is the area enclosed with a fence or wall system of some type so that not just anyone can get into it? It can also be helpful to know that you are able to put your own type of lock onto the unit. This adds a layer of safety to the space, too. Another consideration is the surveillance offered. Some locations have security guards and others use cameras. Some offer third party surveillance. When your items are very valuable, these may be good options to think about, too.

What About the Climate?

One of the most common problems for these units is that they are not always climate controlled. In some areas of the country, this can be a big problem. If the humidity levels are high in the unit, this can lead to bacteria and mold growth on your belongings. In conditioned facilities, you have less risk of this happening. Additionally, in these units with climate control, you can also be more confident in the preservation of your items long-term. Depending on what you are storing there, you may want to consider these factors.

Overall, self storage is an amazing option. For a low fee paid monthly, you get to keep your belongings off site of your home but protected. They will be secure when you take the steps necessary to choose a location that gives you extra security. No matter if you have just family heirlooms you are storing or treasures worth a significant amount, it is a good idea to invest in a facility that you can trust to keep your belongings safe for the long-term.

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Jan 22

Looking for financial planners in Chicago? Here is a guide that is sure to help you.

Investing in finance markets in Chicago seems to be a lucrative proposition, right? It certainly is, but only if you have the necessary skill and expertise to deal in financial markets. A beginner might indeed suffer losses, which may be rather large, in case (s)he is unable to arrive at informed investment decisions. Chicago financial planners come in extremely handy at this juncture. A qualified Chicago financial advisor can help you take wise and correct investment decisions, which would be profitable, over the long-run. Finding a Chicago financial planner is, hence, extremely crucial in the success of the investment strategies of people from this area.

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In case you are at a loss as to how to find a financial planner, the solution is rather easy. There are quite a number of top Chicago financial advisors that are offering their professional services to potential clients. Some such financial planner firms in Chicago are:

a)     Sanmar Financial Planning Corporation,

b)    Chicago Financial Planners Inc.,

c)     LPL Financial Services,

d)    Lane Financial,

e)     Raymond James Financial Services,

f)     Ameriprise Financial,

g)    Fortis Clearing Chicago,

h)     Epstein Becker & Green,

i)      Family Credit Counseling Services, and

j)      Ameriprise Financial Services.

Most investors have specific investment goals and well-defined, targeted rates of returns from their initial investments. These targets need to be made known to the financial planners, so that the latter can help then achieve the investment goals. It is also of prime importance that financial advisors are aware of the exact financial position of his/her client. Such information helps advisors strategize the correct investment plans for the clients. The investors also have the option of accepting (or, rejecting) the advice of his/her financial consultant. Alternatively, clients can delegate all investment decision-making duties to advisors. In the latter cases, the judgment of the planner is deemed final.

Financial planners can help investors by providing the requisite skill for profitable investment policies. Since most common investors do not have enough time or the knowledge to delve deep into the merits and demerits of investment projects, it is beneficial for them to hire a financial advisor. Planners help their clients in their efforts of income-generation, and contribute a great deal in terms of efficiency and convenience to clients.

There are different specialized types of financial planners, each catering to specific segments of financial markets. Investors need to be absolutely sure of the type of financial help (s) he requires, before actually hiring the services of a financial advisor. All expert finance planners have a rich experience of dealing in financial markets. Hence, they are well-equipped to provide their clients with prudent, informed and profit-making investment decisions.

An important and unique component of the financial laws in Chicago is the Elder Law. This law, which is concerned with the senior citizens of Chicago, deals with a number of various financial issues. Some of the financial topics covered by the Elder Law include estate planning, wills and trusts, health care planning, guardianship, medical plans and other rights granted to the elderly citizens of the area. Providing an increasing level of care and long-term housing plans forms the focus of this law. Care insurance and benefits accorded to the government are taken care of by this law, thereby preventing any abuse of the senior citizens’ rights.

Financial planners in Chicago provide extremely beneficial services to potential clients, and help them take better investment decisions. In factPsychology Articles, anyone wanting to make profitable investments should hire an expert Chicago financial planner. This would certainly boost the chances of his investment strategies becoming a huge success.

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Jan 22

Film Connections in British Heritage

Film Connections

One of the most alluring aspects of the UK’s wealth of heritage treasures is that strong sense of history they provide – the feeling of walking through landscapes, castles, battlefields, houses and buildings that have been the locations for some of the most dramatic and famous events of the country’s past.

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Given the popularity of historical films and TV dramas, it is not, then, surprising that producers from all over the world find many locations around the UK that are the perfect setting for their work.

Costume drama at Chatsworth

Chatsworth House in Derbyshire, with its stately architecture, splendid gardens and idyllic landscape, is one of Britain’s most popular historic attractions, but also finds time to star in some top film and TV productions. These include the BBC adaptation of Charlotte Brontë’s 1847 novel, Jane Eyre, and the films Pride and Prejudice (2005), The Duchess (2008) and The Wolfman (2009). Providing settings for classic novels and werewolves, Chatsworth is certainly a versatile star, and was understandably featured in the Channel 4 series, Great Estates.

Remains of the Day in the West Country

The film-makers James Ivory and Ismail Merchant are closely associated with period dramas, and they have made as much use of the country’s historic properties as they have of the great writers of English literature. One of their best-loved films, based on the 1989 novel by Kazuo Ishiguro, The Remains of the Day, featured two West Country houses, Powderham Castle in Devon and Dyrham Park in Gloucestershire.

Dressing the Stars in Bath

Of course, however splendid or appropriate the location, no costume drama can be complete without the right costume. The dress worn by Judi Dench, this time playing a different queen – Elizabeth I – in the 1998 film Shakespeare in Love, can be seen at the exhibition “Dressing the Stars” in Bath’s Assembly Rooms from 12 July to 29 August. The Assembly Rooms, like Chatsworth, played host to The Duchess, and Keira Knightley’s dress from that film will also be on display.

New Shakespeare film

William Shakespeare did not have to worry about researching and finding locations – but the perennial debate about the true authorship of his plays will be given another airing in a film to be released later this year, called Anonymous. The Shakespeare Birthplace Trust in Stratford-upon-Avon, of which Judi Dench is an Honorary Fellow, will no doubt be mounting a robust defence of the local hero.

Romance at Sudeley Castle

And finally, back in Gloucestershire, the romantic Sudeley Castle has not just served as a location for such adaptations as Jane Austen’s novel Emma and Thomas Hardy’s Tess of the D’Urbervilles, it is also the home of film-maker Henry Dent-Brocklehurst, and was the setting for the (real-life) wedding of actress Liz Hurley to Arun Nayar.

Britain’s historic buildings, after playing host for centuries to real-life events, battles and romancesFree Reprint Articles, continue to enjoy centre-stage as locations for today’s dramatic recreations.

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Jan 21

Labor Costs Too High? Hire A Peo

Submitted by: Mary V. Stasiewicz

A professional employer organization (PEO) is essentially a business which offers services such as human resources, employee benefits, payroll and workers’ compensation. Companies who take advantage of such services by outsourcing these tasks enjoy a wealth of advantages including, most notably, reduced labor costs.

In addition to lower labor costs, these companies also benefit from being free to focus on other aspects of their business, specifically revenue generating areas. This is possible because in enlisting the services of a PEO, the company receives the benefit of having an entire staff of qualified human resources personnel including risk managers, benefits administrators and payroll specialists. While the previously mentioned benefits are critical to the success of a business, for many the advantage of not having to handle complicated human resources issues in-house is enough reason to outsource these services.

To fully understand how a company saves money by outsourcing human resources related responsibilities, it is imperative to consider typical labor costs. The following is a list of some of the costs associated with hiring, retaining and terminating employees:

Advertising job openings

Screening employee candidates

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Social Security / Medicare taxes

Federal Unemployment taxes

State Unemployment taxes

Workers compensation insurance and administration

Administrative overhead

The majority of these costs do not vary significantly across different types of businesses. However, there are some businesses which experience increased costs in some areas. For example, jobs which are considered high risk such as construction or other forms of manual labor have higher workers compensation costs. Another exception may be increased costs for advertising and screening candidates for positions which require elevated levels of expertise or extensive background screenings. Both of these costs can be reduced through the use of a PEO. While all businesses can certainly benefit from outsourcing human resources in simplifying a complicated process, those who have elevated labor costs enjoy financial savings through this practice. Still another cost savings which results from outsourcing human resources activities is that it can also lead to increased productivity. This article will offer explanations for these three cost savings benefits.

Opting for the assistance of outside experts in fields where qualified candidates must possess highly specialized skills is a wise decision. In this scenario, finding qualified candidates can be an arduous process and hiring a candidate who is not properly qualified can be costly to the company. Rather than risk such a costly error it makes sense to invest in the services of a professional employer organization for assistance in the process of finding the right candidate at the right time. This will not only reduce the amount of time required of onsite personnel to find and screen candidates but will lessen the chances that the chosen candidate will leave the company after only a short time due to poor performance.

Workers compensation is another area in which a company may greatly benefit from enlisting the assistance of a PEO. The cost associated with workers compensation coverage may be relatively low for employers who have personnel who work in an office environment but these costs could increase dramatically for employers who have employees working in more dangerous situations such as construction. Outsourcing human resources tasks to a PEO can help these companies save money on their labor costs because the organization may be able to negotiate better rates for these services. One reason these more affordable rates are possible is the PEO will have more experience in this industry and this greater level of experience leads to more favorable rates. Additionally, PEO s have working relationships with policy providers. These business relationships can translate to better rates for the company if the policy provider works closely with the PEO to evaluate the situation and determine the most economical policy.

Finally, a PEO can result in reduced labor costs for a company by increasing productivity. In many smaller companies, there is not a dedicated human resource staff and many of the responsibilities are often handled by staff members who are available when tasks need to be completed. This is not an ideal situation for a couple of reasons. First, the staff member completing the task may not be qualified to do so and therefore may not make the most economical decisions. Additionally, a staff member who is inexperienced may take longer than necessary resulting in decreased productivity. Not only will the staff member have a low productivity rate while assuming the responsibilities of a human resources staff member, but he will also be spending time away from his usual responsibilities.

Kristian Svindland, President of Sales for HROplus, a national sales brokerage firm representing over 200 PEO s nationwide, explains that while one PEO may be a great fit for one company it may not necessarily be a good fit for another. Many factors go into choosing the correct PEO for each individual business such as type of Industry, location, company size, benefits desired and services required just to name a few.

Reducing labor costs is one of the most noteworthy benefits to employing a PEO. Some service providers are able to save a company more than $200 per employee per year. This can be a significant cost savings for small companies, even more monumental for larger companies who employ considerably more employees. Companies both large and small benefit financially from utilizing a PEO.

About the Author: By Mary V. Stasiewicz sponsored by http://www.hroplus.com/ a


: http://www.hroplus.com/ that locates the best Human Resource Outsourcing solution for businesses. Please link to this site when using this article.



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Jan 21

US swimmer Phelps suspended over ‘pot pipe’

Friday, February 6, 2009

United States swimmer Michael Phelps has been banned from competition and his training stipend revoked for three months by USA Swimming after Phelps was photographed smoking from a glass pipe, often used for smoking cannabis. The picture was published last Sunday by British tabloid News of the World.

USA Swimming, which is the governing body of swimming in the United States, however said that no “anti-doping” rules had been violated.

“This is not a situation where any anti-doping rule was violated, but we decided to send a strong message to Michael because he disappointed so many people, particularly the hundreds of thousands of USA Swimming member kids who look up to him as a role model and a hero,” it stated. “Michael has voluntarily accepted this reprimand and has committed to earn back our trust.”

Should Phelps have been punished at all? If so, was the punishment strict enough?
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The suspension will end in time for Phelps to train for the US Championships, which are to be held on the 7th of July.

Phelps has also lost sponsor Kellogg, who said that it would not renew its deal with the swimmer next month.

Phelps won a record eight gold medals at the 2008 Olympic Games in Beijing last year, and has since become one of the world’s most famous athletes.

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Jan 21

Report urges Kenya to ban plastic bags

Wednesday, March 9, 2005File:Plastic bag stock sized.jpg

They are cheap, useful, and very plentiful, and that is exactly the problem, according to researchers. A report issued on Feb. 23 by a cadre of environment and economics researchers suggested that Kenya should ban the common plastic bag that one gets at the checkout counter of grocery stores, and place a levy on other plastic bags, all to combat the country’s environmental problems stemming from the bags’ popularity.

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Jan 20

An Honest Look at DeVry University

DeVry University has its roots from way back in 1931 as a film and radio repair teaching establishment. Today it is amongst the largest schools run for profit in the United States. The University as a company also finds mention in the ‘100 best Corporate Citizen’ list ranked at number 11. Through the years, over a quarter of a million students have graduated from the University. Its total number of enrolments according some estimates is around 50,000, which is a tad lower than that of Phoenix University.

DeVry University boasts of 70 odd locations from where students can take classes. Students can also take online classes. The most important attribute of the University is the range of programs offered. There is something for every body – full time, part time, night study or weekend classes or pure online classes. By offering both online and brick and mortar classes at a variety of locations, students find they are able to find the combination that best suits their needs.

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The university is fully accredited and offers various courses in areas of Electrical Engineering, Telecommunications and Business Administration at both undergraduate as well as graduate levels. This differentiates the school from some of the other online universities, like Capella, that have repeatedly failed to receive accreditation for its programs. Of particular note, is the business school, which has a strong focus on business management. Management education is imparted via, the Keller Graduate School of Management and as such is quite focused and current in its curriculum.

Another good thing about the university is the ‘part-time job services’, which offers to find part time jobs for students wanting to earn while they learn. Students can earn from $6.5 to $10 per hour at entry level. But students have often been seen to be complaining about the frequency with which the job postings are updated. Even the limitations of the job board, however, are a stark improvement over some of its online competitors which do not even offer the service at all.

Online education is imparted in collaboration with CertifyOnline, which provides DeVry with the reference materials, tests and online labs. This enables availability of courses and reference materials in synchronous format with live instructions as well as in archived video media. The class sizes are small and offer personalized attention. That said, many students find that the formulated testing and teaching limits not only the creativity of their professors, but also the ability for them, as students, to learn at a higher level.

The overall quality of education is considered to be quite good by both current students and federal regulators. However, unlike less rigorous competitors, the quality of the education comes at a price. The school is quick to place students on probation, should the student’s grades fall even a little. Such a strict discipline is perhaps good when you look at the future employability of the student. Tie this with the figure of 90 % of the university graduates (who actively pursued employment or were already employed when they graduated) finding jobs in their referred field within 6 months. While certainly there is some room for the University to have fiddled with the figures, this number is nonetheless quite impressive. It is important to note, however, that in light of this statistic the University qualifies their 90% claim by omitting some students who were never employed before or during their education at the university, and are finding it a difficult job to get employed. Some students argue that this is because, despite the quality of education, the reputation of the school remains sub-par amongst employers.

The universities price tag and associated fees are on par with its other online competitors, but it is important to note that this does not always mean a bargain compared to other public brick-and-mortar universities.

One of the major deficiencies of DeVry University appears to be its administrative department. Students frequently claim to have difficulty in dealing with the financial aid department as well as with the other student services departments.

Many students express some serious displeasure with the marketability of their Devry degree. They are finding that despite the quality of education and rigor of the university, that some employers do not yet regard the school as equivalent to a more traditional four year brick-and-mortar school. Another cadre of students report, however, that they have found the benefits of having the degree a very tangible benefit. Other than this deficiency, however, it appears that in the actual business of teaching and learning, DeVry surpasses its online competitors. The question facing incoming students, is however, what is the ultimate purpose of that college degree.

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Jan 13

3 Clear Plastic Containers With Lids Every Storeowner Needs

Clear plastic containers have multiple display, storage, and organizational purposes in a variety of realms, and clear plastic containers with lids add an extra perk.

Retail stores can use these kinds of fixtures to display merchandise as well as store items not ready for display and organize items meant to help the owners, managers, and associates do their jobs, while restaurants can use them to store, display, and keep fresh and safe from dust and debris food items that might not otherwise be entirely safe in traditional, lidless containers.

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Also like regular plastic containers, clear plastic containers with lids come in a variety of shapes, styles, and sizes. Whether you manage a retail establishment or restaurant, below are three kinds of containers and bins with lids to help you store, organize, and display your merchandise.

NOTE: If you plan to use any of these kinds of plastic containers with lids to display any kind of food product that isn’t wrapped, it’s best to pair them with other display accessories like aluminum or plastic scoops or tongs. Scoops and tongs help customers retrieve the amount of food product they want without touching and possibly contaminating any of the rest of it.

Plastic Canisters With Lids

Plastic canisters with lids are nearly identical to glass or ceramic canisters with lids, as far as overall style and function is concerned, but they add an extra perk: they’re plastic, which means they’re less likely to break if they’re dropped or bumped into and, if they do happen to crack or break, the plastic pieces are less like to harm your customers or employees.

Plastic canisters with lids work well in both traditional retail settings and restaurant or specialty food shops like bakeries, yogurt shops, and ice cream parlors. You can use these containers to display small convenience items like lighters or children’s toys like bouncy balls, or edible items like unwrapped candy, gumballs, or sprinkles for deserts.

Plastic “Fish Bowls” With Lids

Plastic fish bowls with lids offer store managers, owners, and customers the same excellent display fixture option with an added kick – lids!

With plastic fish bowls with lids, you can store, organize, and display everything you can with regular fish bowls, but you can also store, organize, and display items that need protection from “sticky fingers” or dust and debris. These containers are great display fixtures for small kinds of merchandise like hobby and craft items (think beads and other baubles) as well as unwrapped food products (think unwrapped candy and gumballs).

Plastic Bins With Lids

Think of plastic bins with lids as larger, horizontal, and sometimes stackable versions of plastic canisters with lids. The size of these bins help them work extremely well for storing and displaying loose and unwrapped food products like pretzels, trail mix, peanuts and other nuts, unwrapped candy, and sprinkles for ice cream and yogurt. The lids take the benefits of these bins a step further by helping keep the food products fresh and safe from dust and other debris.

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Jan 10

How to Find the Right Experts to Guide You Through These Times

How much money have you lost in the market today? Is your insurance company still in business? Will it be in business tomorrow? Are you still working with your insurance agent financial planner, stock broker etc. who put you into this situation? Are you going to do anything about your situation? If you are like most people you will sell stuff and lose money, or do nothing while you lose more, your bank and insurance company goes out of business and your retirement plan savings disappears. It does not have to be this way. None of my clients have lost money. My retirement plans went up in value every month in 08. Why did you not have the same results.? Who do you listen to for advice? Your broker, insurance agent financial planner, or your friends? They have all lost money. Things are going to get worse. You can do something to get your money back, or like most people keep losing. Don’t believe me put Lance Wallach into Google or any search engine to see what I do. Then compare it to whoever advises you. Who would you listen to now?

Without serious knowledge of things like finances, taxes, tax audits, and retirement plans, it’s hard to keep ahead of things. and to ensure that your future is in good hands. Especially now, as the economy begins to change, it is smart to look into different ways to secure your future and money. Recent well documented events have made it increasingly important to educate yourself on how to handle such endeavors correctly. Thousands of businesses have closed as a result of bankruptcy, corrupt policies, lowered sales, and other factors, often because issues that seemingly, in hindsight, should have been obvious were overlooked. In this environment, more than ever, you simply cannot afford mistakes or omissions with respect to your finances. Such mistakes can result in audits and other problems. Websites such as IRS.gov, FinanceExperts.org, and TaxLibrary.us are resources that can help make sure that there are ZERO unpleasant surprises in your numbers. Additionally, keeping accurate records and constantly double checking your numbers are two obvious, yet often neglected, things that you should do. So the question stands: how knowledgeable are you about your own finances?

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Many of you have received information about the current state of your investments in the past few months. Sticker shock would be an understatement. Thousands have been lost as a direct result of the fiascoes constantly occurring as of this writing. Savings that would not only brighten your futures, but in many cases investments that you planned to use for your children’s educations, are gone. The downward spiral will continue, as the shrapnel from these events moves throughout our failing economy. It won’t stop in the foreseeable future, and it will entail more than just monetary losses. The watchdog agencies that will now have to redeem themselves for failing to perform their regulatory functions, leading at least in part to all of these failures, will respond with increased scrutiny of American citizens and businesses in every manner imaginable. Trust me, no stone will be left unturned, including that of increased IRS audits for the express purpose of raising money, which in fact has already started.

All of which is why treading water in the tide of an ebbing economy is not a solution.

It would appear that the seemingly indestructible giants of Wall Street have begun to crumble. Lehman Brothers is no more, Merrill Lynch has been taken down a peg or two, and now, disaster is apparently looming over Morgan Stanley. To say nothing of the looming threat to the consumer banking industry. As industry insiders, we’ve seen the writing on the wall for quite some time. Now, everybody else can see it, too.

In this day, the veil has been pulled back on the stock market’s heavy hitters. Consumers now know there is indeed no “wizard” behind the curtain, just a few individuals in designer suits pulling down astronomical sums of money for the advice they send down from on high. Who can forget the images of the Lehman Brothers employees in New York City, emptying their offices into boxes and carrying them down Seventh Avenue? As sad as it was to see, it was a day we all had the feeling was coming, right? But now that it’s here, why don’t we feel any better?

The hopes of many investors in the stock market have been shaken to the core, but we cannot forget about the morose consumers and business owners. A number of individuals are suffering the potentially substantial loss (or potential loss) of their hard-earned money in a volatile market. Consumers need advisors who can guide them toward a safe harbor. As previously mentioned, financeexperts.org can give you the help you need in this failing economy. The leading authorities are members, and will most likely give helpful feedback. Consumers are fearful, and if they say they aren’t, it’s probable that they aren’t being honest. For most Americans today, a stress free retirement is looking more and more impossible, and the difficulties looming between ourselves and that goal seem insurmountable. But things do not have to look and seem so bleak.

Too many scoundrels plague Wall Street but, to some degree, we all feel the brunt. We hate to have an “I told you so” attitude, but at times it is hard to avoid. However, rather than dwell on this compassion, why not capitalize on it? Often unforeseen opportunities arise from the ashes of situations such as these. In fact, many such opportunities are available as I write this. They will be taken advantage of by those with the imagination and talent to position themselves to do so.

By reading this, you may be off to a good start. There are many ideas you will get from our leading finance experts to better run your business, reduce taxes and insurance costs, and much more. You will learn how to avoid audits, which are already up fifty (50) percent and are expected to increase further still, and turn your accountant into your protector instead of a tax collector. You will learn from Lance Wallach, who, as an American Institute of CPAs instructor and course developer, teaches CPAs. Lance also draws upon the knowledge and expertise of his associates, who are the leading finance experts in the United States. None of them work for any of the firms that were affected by the recent and ongoing financial fiascoes. Many of them perceived the arrival of these problems, and only their clients benefited because most other business people were too busy buying products from stockbrokers, insurance agents, and so-called financial planners who did not know what was going on. In Lance’s spare time, between speaking at conventions, writing and helping a select few business owners, Lance appears as an expert witness.

In fact, for two days in Sept 2008, Lance Wallach testified as an expert witness in Federal Court for a business owner that was sold a faulty financial product by a combination of his accountant and a so-called retirement plan expert. After Lance completed his testimony, the judge called the retirement plan salesman a “crook” and said that he should settle with the plaintiff. He did not, and the jury awarded the business owner TWICE what he had sued for. As a side note, Lance had advised the lawyer that this was a so called “ERISA case” and instead of the $400,000 that the business owner was suing for, $800,000 (double damages, as is possible in “ERISA” cases), could be awarded if the jury felt that was appropriate.

The point is that, under no circumstances, should you be forced to lie down and take the abuse and malpractice that most salespeople pin on you. Get your financial and business affairs in order, and, if necessary, take some action! Take some serious action!

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