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Tuesday, June 23, 2015

Is Your Career Is Hazardous To Your Bank Account?



One of our company associates told us about checking his bank account online. He found that the company had deposited over $350 in his account that he hadn’t earned. He went back to the account some days later expecting it to be gone. To his surprise they’d deposited another $350 +.

He called the company to report the error. After some checking he was told it was an override he’d gotten from a down-line associate.

Seems he’d brought John Doe on board many months before and the guy wasn’t really interested in doing anything. He finally just gave up trying to encourage him and hadn’t had any contact with him for a long time. The slow associate finally saw the big picture, went to work and was building a great organization.

He's now receiving an extra paycheck from John’s growing group and others in his down-line earning him thousands extra each month.

There’s an internet video on the website below that shows what we do, how we build and how we get paid. To get the whole story it must be viewed in its entirety.

Would it be okay if you got an extra paycheck?

Looking for leaders. Followers need not apply!!




To your success,
William Singleton
843-742-0940

Thursday, June 4, 2015

The Qualities Of A Great Leader: Do You Measure Up? By R.J. Snell



In a recent essay, Mark Shiffman notes that in the fiercely competitive but nonetheless gloomy context in which university students find themselves, many opt to “major in fear.” Fear that they won’t find work or pay off student loans. Fear of lost opportunities or moving home with mom and dad.

Consequently, Shiffman states,

 “it’s easy to see why The Hunger Games is the novel of their generation. The trilogy depicts adolescents rigorously trained by adults for desperate but meaningless life-or-death competitions. Its dark emptiness resonates with students’ latent unease 
and dissatisfaction with their educational regimen, as well as with their worry that they’re all honed up with no place to go.”

In this fearful state, students skip the humanities in favor of something “more practical”, perhaps more suited to pre-professional training. Only those with leisure can afford to study philosophy, and fearful people have no luxury for leisure, or so it is thought.

Never mind that many employers actively seek out English or Classics majors; that philosophy students, statistically, end up with greater earning power than an average business student; that both medical and engineering programs are pushing students to learn the arts or history. Never mind that Jean Paul Getty, perhaps the richest man in the world at the time of his death, employed readers of Greek and Latin to run Getty Oil. This seems quite romantic, and yet his reasons were entirely pragmatic: “Asked why he insisted on employing classicists in key positions, he answered bluntly: ‘They sell more oil.’”

Wanting Something Worth Getting

On a purely practical level, there is a case to be made for the humanities. But fear responds poorly to reason, and the number of majors in the core humanities is declining, at an accelerated pace since the recession. Moreover, for those interested in leadership, a similar cultural trajectory pushes into the technical aspects of leadership—the how or means, the techniques or best practices of getting things done, of communicating, planning, strategizing, organizing, motivating, and delivering outcomes. That’s fine, as far as it goes, but it reduces leadership to management, often overlooking the character and virtue of the person. It asks not whether the leader is a good woman or man but whether he or she is effective.

Surely, some will say, that is naive. “Character is a private and subjective matter.” “We want leaders who are good at leading, not leaders who are simply good.” “Maybe in a perfect world, but we just don’t have the luxury for this.” Like many contemporary students, leaders are more afraid of failing to make a living than of failing to live well.

But leadership is about human flourishing, so to think about leadership without virtue is to divorce leadership from living well. And then what is the point of leadership? Mere success? I should think that real leaders want something more. They should aim higher, both for themselves and for those they lead. Success is too small a goal, not noble enough, even though necessary. Recall the distinction Aristotle makes between the person of cunning and the person of practical wisdom. Both are accomplished at attaining what they set out to do—at getting what they want—but the cunning person lacks nobility or virtue in his desires, often wanting something base, while the person of wisdom gets what he wants and wants something worth getting. Something noble.

Great leaders want more than to get what they want; they want great and good things.

What Moves Great Men?

Consider American history and the remarkable bounty of leaders during the revolutionary era. A small, scattered, and often uneducated population produced an almost unbelievable crop of leaders. The historian Henry Steele Commager once remarked that if Florence was conducive to great art and Vienna to great music, the specialty of colonial Virginia was statesmanship. With a total population smaller than that of contemporary Delaware, Virginia nonetheless gave us Washington, Mason, Henry, Jefferson, Madison, and Marshall, and at the same time. How did this happen?

Commager lists several factors, especially the relatively limited opportunities for talent at the time. But at least some causation has to be given to the classical impetus for duty to the commonweal and a concern for the welfare of posterity. The concern for posterity involves both the sense of being remembered—fame—and the felt duty to benefit generations not yet born: “our descendants to the thousandth and thousandth generations,” as Jefferson put it.

The historian Douglass Adair stresses the Founders’ desire for fame. Fame, he says, is “the action or behavior of a ‘great man,’ who stands out, who towers above his fellows in some spectacular way.” The desire for fame causes action; it pushes people to “reject the static complacent urge . . . to merely be and invites a strenuous effort to become.” The colonial leaders, he claims, sought fame, sought it above all else (clearly above money, about which they were famously careless), dedicating their efforts to the well-being of others, including their posterity—us.

The political scientist Robert Faulkner thinks this analysis is not quite right. He notes Lincoln’s great ambition of “being truly esteemed by my fellow man” and “rendering myself worthy of their esteem.” For Faulkner, the great leaders are ambitious—they desire to be in charge, to have their names in the papers, and to make a difference (power, reputation, and accomplishment)—and the greatest leaders are those with truly grand ambitions. But, he continues, Lincoln and others like him not only seek the good opinion of others—fame alone—but also wish to be worthy of that good opinion. Or, as Aristotle describes it, the good man doesn’t merely want honor; he wants honor as confirmation of his virtue.

America’s great statesmen, then, wished not only to win a name for themselves but also to be worthy of renown. This was not vainglory that welcomed all praise blindly; rather, as Faulkner puts it, they sought “intelligent honor, bestowed knowingly and deservingly.” In what Faulkner calls a “reasonable understanding of human excellence,” the leader wishes to earn true esteem and also to be recognized or counted as good.


Tuesday, March 17, 2015

How To Recognize And Prevent Child Identity Theft



October 28, 2014 - LegalShield

There’s been a lot of news recently about celebrities and big companies being victims of identity theft and data breaches. Another increasingly concerning issue we haven’t heard much about, though, is child identity theft.

Imagine that an individual applies for a college loan, only to find out they are hundreds of thousands of dollars in debt because someone stole their identity when they were younger. The theft of a child’s identity is particularly troubling because it is often not discovered until the child is much older and just beginning to take on independent living and financial responsibilities.

Researchers at the University of Texas’ Center for Identity say studies show that children are 35 times more likely than adults to have their identity (or social security number) stolen – the chances of a parent running a credit check on a child are pretty slim, and therefor they are an easy target. This could result in the child being denied a school or car loan, being charged a high interest rate, or even a parent being responsible for a debt that neither they nor their child created.

It is important for parents to be aware of the danger of child identity theft and recognize signs that their child’s identity is, or was, misused, in order to take appropriate actions and protect their future. Here are some possible signs of child identity theft:
  • The parent is not allowed to file his or her tax return electronically because the Internal Revenue Service already received a tax return with your child’s Social Security Number (SSN) listed on it.
  • The child is denied for a government benefit or other program because someone is enrolled with the child’s SSN.
  • A parent or grandparent tries to open a bank account for the child or grandchild and is told an account already exists associated with the child’s SSN.
  • A collection agency calls about an account allegedly opened in the minor child’s name.
  • A bill arrives in the child’s name for a service or product not purchased by the child or child’s parent(s).
We suggest parents to take the following steps to reduce the risk and protect their children from identity theft. If you are a member and feel that your child may be a victim of identity theft – or if you want to preemptively protect them from an identity theft situation – call 1-888-949-8519 to speak with an Identity Theft expert today. To become a member CLICK HERE or call 843-742-0940.
  1. Don’t carry child’s Social Security card or birth certificate. Store those items in a secure place.
  2. Don’t share too much information about your child on social media.
  3. Use secure access to the Internet.
  4. Install software on computer to reduce malware.
  5. Consider using parental control software so you can approve of sites your children visit on the Internet.
  6. Be a good example: let children see you protect your family’s information. For example, don’t leave your purse or wallet in your car for the sake of convenience; tell your kids why you’re taking it.
  7. Discuss identity theft and best ways to reduce risk with your child.
 
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The Ultimate Exit Strategy: 4 Reasons To Execute Your Will Today



March 9, 2015 - LegalShield


In the weeks immediately following the death of Robin Williams, his family seemed unified in grief. That illusion was shattered recently when court documents revealed the infighting over his wealth, memorabilia, and even clothing, had resulted in Mrs. Williams banning her husband’s grown children from her home. Mr. Williams’s estate planning documents did not provide enough clarity to determine what his wife and children were entitled to receive. Tempers flared and the situation quickly devolved into a contentious court case.
With methodical planning, honest conversations, and appropriate legal documents in place, this situation might have been avoided. But many Americans don’t take the time to do estate planning, much less get specific about how affairs should be handled once someone has passed away. Why?

Perceived cost, procrastination, and uncertainty

“Many people reject estate planning because they don’t like to think about death. I mean, who does? In addition, most people assume they can’t afford it anyway and I don’t blame them. Most lawyers charge sky high hourly rates,” says Jeff Bell, CEO of LegalShield, a network of dedicated law firms that members can call for help. A $20 monthly plan membership grants clients access to lawyers for answers to legal questions including assistance with deciphering contracts or executing a will. “Everyone deserves access to the knowledge a lawyer can offer without worrying about their ability to pay. In modern terms, we ‘crowd-share’ law firms in 49 states and 4 Canadian provinces, providing affordable legal access to 3.7 million people and counting. A standard will is a benefit of our plan.”
Mr. Bell believes the uncertainty most people feel about estate planning causes them to delay taking action. Procrastination, though, is conquered by the step-by-step guidance experienced lawyers can provide. Clients should rest easy knowing their best interests will be represented, he says, and they “need not feel pressured to become estate planning experts themselves.”

Wills versus trusts

Most middle income Americans benefit from a good standard will. Trusts are reserved for unique cases like families who wish to make provisions for a special needs child or for instances when the decedent’s assets include a business, extensive real estate or big ticket property items, or detailed instructions for trustees. The more complex the assets or numerous the heirs, the more likely a trust will better serve needs.
A qualified lawyer can guide this decision appropriately. It’s important to make a choice as soon as possible to keep the forward momentum going. Some people fail to follow through by signing the documents and getting witness signatures while others neglect to transfer assets (title) into their trust. Both lapses result in invalid will or trust documents, rendering them worthless under the law.

No will or trust? You just abdicated your wishes to the state

If you die without a will or trust in place, the state will step in to make decisions on your behalf. The common asset dispensation involves awarding assets to your surviving spouse or directly to your children if you are unmarried. If you have no spouse or children, the state will usually identify blood relatives and award them your assets eventually.

The “leave it to the state” arrangement features four inherent flaws. Ask yourself:

1. Am I open to temporary foster care for my minor children?

If parents fail to designate who should raise their children, the state will step in to make custody decisions. If no potential guardian is immediately apparent to the judge the children could be remanded to state custody (foster care) while the court investigates. A will or trust allows parents to transfer guardianship of minors to trusted friends or loved ones.

2. Am I fine with the state disregarding my oral or written instructions?

People who designate which heirs they intend to leave specific items from their estates should know that those documents are meaningless if written outside of the context of a formal will or trust.

“I had a client who meticulously labeled her items of personal property by taping pieces of paper to them and writing, ‘This goes to Mary, my hairdresser…’ or ‘This is for my husband’s long-time friend, George.’ She had 60 or 70 of these tags. Some of them just said, for example, “Rachael.” I appreciate what she was trying to do, but it doesn’t stand up in court. Her will had a specific way to handle her personal property, and none of these people were named. The right way to accomplish this is to use a “devise of tangible personal property” (or, in some states it would be called “a memorandum of personal belongings”) to bequeath non-cash personal property. This way she would have a legally binding detailed list of items and who should receive each one. If she were to get upset with Mary she could simply strike her name from that document without having to go to her attorney to formally change the will. And that is even easier than trying to unpeel the sweet but meritless sticky note,” says Charlie Davis, Managing Partner and Co-Founder of Davis Miles McGuire Gardner, PLLC, a LegalShield Provider.

3. Do I feel keen to pay an extra premium?

It can get expensive to relinquish decision-making to the state. While wills go through probate court, estates without a will generally take longer to administer. The costs associated with extra time spent in probate court will be deducted from assets, leaving less to dispense to heirs.

4. Does open-ended probate time sound good?

Clearing the estate from probate could take a long time, dragging out dispensation to heirs for years in some cases. It is cheaper and more expedient to draw up a will that expedites the probate process. Estates protected by wills and trusts typically fly through the probate process so long as no one challenges them.

Don’t be duped: online will and trust document services

“Some people do their own wills through document preparation services trying to save money. The people assembling these documents deliver them without offering advice, discussing probate issues, and asking important follow-on questions. That can lead to unintended and sometimes disastrous consequences. One of our lawyers has a practice almost solely devoted to handling problems where wills and trusts are poorly drafted, ambiguous, or ill conceived. And he is very busy. Experienced will and trust lawyers ask the right questions and discuss the implications of your desires and decisions,” says Mr. Davis.

LegalShield’s Jeff Bell agrees that no one should waste time “economizing” with document preparation services. He stresses that LegalShield is a part of the sharing economy and that opportunities abound for plan members whether they are looking to write their wills or get help collecting unpaid bills for their small businesses.

“In this country, a lot of people worry that the color of justice and access to legal help is green. LegalShield is disrupting all of that. Legal access is no longer determined by a person’s wealth level. Every North American deserves the opportunity to leave a legacy for their families. The first step is protecting those families with a well thought-out last will and testament,” says Mr. Bell.

LegalShield members get consultation on unlimited personal legal matters with lawyers experienced in estate planning as well as many other topics. LegalShield currently affords 1.4 million families equal access to justice through the legal service plans it has offered for 40 years. LegalShield lawyers stand ready to provide legal advice and draw up wills without additional charge to members.