Have business skills and experience – Looking to make more money?

Things are literally exploding at LegalShield!

If you have heard of all the changes and excitement, then pay attention now. If not, then definitely pay attention now. This could be the opportunity you have been looking for.

My LegalShield team needs help marketing to the Home-Based and Small Business market place in the Lower Mainland. (Anywhere in four provinces and throughout the US is also your market.) If you have business skills and experience, are comfortable talking to business owners, have a professional demeanour, then LegalShield could be the vehicle for you. I need a few select, competent individuals who can see:

1. and understand the LegalShield vision,
2. the value of the membership for so many, and
3. the potential to earn an unrestricted income.

Specifically LegalShield offers an array of legal protection and assistance;

• Individual and family plan
• Identity theft protection and restoration (huge in today’s marketplace)
• Coverage to Home-Based business owners
• Plans for private Small Businesses under 100 employees
• Group plans for employee groups providing the family plan at a significantly reduced rate.

Compensation levels increase with increased volumes through both direct sales and team building. Some people earn a $1,000 per month, some are earning $1 million per year. What can you expect? Depends on you, but $80,000 to $100,000 per year is not unreasonable. Much more if you are so motivated. Other benefits include car allowances, exotic trips and other incentives based on performance.

This is truly an opportunity to earn a significant income if you apply yourself, follow the tried and proven system, participate in all training offered by LegalShield and agree to specific 10 core commitments. What are they? Contact me to find out more and see if you have what it takes to “Make a Difference while Making a Living”.

To learn more about who LegalShield is, go to http://www.seldominyourlifetime.com

If you want to do significant work and earn an income that meets your needs and your dreams, contact me at regoyette@legalshield.com or 604-512-4398.

Better Business Decisions … Better Bottom Line!

Sounds simple enough but are all our decisions good enough decisions? Sometimes, due to expediency, we make a hasty decision that comes back to hurt us or at least haunt us.

While we are specialists and sometimes experts in our field, we are not necessarily competent in making certain decisions to move our business forward, or make that “incredible deal” before it escapes us. Or we act in an irrational manner when confronted by a disgruntled employee, an irate customer, supplier, landlord or even a government agency.

What about having signed a contract that we thought we understood, because it was “just a standard contract” and lo and behold, we end up being liable for costs that we didn’t know about? Not to mention that incompetent employee who’s bumbling attitude cost you lost business and who, after you  fired, came back and sued you for “termination without cause”?

Do you think it might be useful to be able to pick up the phone and talk to your law firm before making a business decision? Someone that is there just to help you and not be concerned with the billing meter? A lawyer that can consult you on all matters of business, write letters for you, help you collect those over 90 day receivables, review contracts before you sign them, so you know what you’re getting into? A law firm that provides heavy discounts for their hourly and contingency fees when you need litigation help?

What about business advice from competent and experienced business consultants and access to a wide array of business resources like:

• Internet and IT
• Marketing
• Human Resources
• Management
• Finance, Accounting and Taxes
• Insurance
• Travel

A place to go for the best advice, news, information and consulting services for you small business.

Then you need to consider the Small Business Plan from LegalShield and GoSmallBiz.com.

This membership program gives you unlimited access to a full service, high quality law firm and a powerful business consulting and resource sight for a small monthly fee versus a high hourly rate!

To learn how simple and effective this plan can be for your business check out: http://www.mylegalshield.com and prepaidlegal.com/hub/regoyette and then contact Ron Goyette at ron.goyette50@shaw.ca or directly at 604-512-4398.

Get the help and advice you need to make the best and smartest decisions possible!

Missed Freedom 55? – Now Looking to Freedom 85?

Are retirement years coming at you really fast, but you’re not prepared yet to retire? You don’t have adequate investments and savings in place to retire in dignity?

Hey, we’re living longer with the average lifespan being into the mid 80’s and having to live on pension income, if you have any, that provides less than 40% of your pre-retirement income that you worked 40 years to achieve.

I know that I can’t. My prime time years have seen my retirement savings getting lost in business and investment opportunities that didn’t pan out. Facing financial hardship or even bankruptcy, at any age? What do you do? How do you cope? How do you find your way out?

I believe that there is a way out. But it takes hard work, dedication and commitment. It will not make you rich quickly, but it can make you rich over time. If you are teachable, can follow a system, commit to attending all functions, events and training sessions, this can be successful for you. The process and concept is simple. But it does take some of your time and it does take some work. If you are not prepared for those two commitments then read no further. No free lunch – no easy ticket to ride – but significant income and other rewards if you can make that commitment.

What is It?

Ok, so hold your breath:  Pre-Paid Legal. PPL is a direct selling and network marketing company (OMG – did I say network marketing??? See below for What is Network Marketing?) which provides a remarkable and affordable membership program to individuals, families and small businesses. The program gives unlimited access to the justice system throughout the United States and currently four provinces in Canada.

It provides the ability to have a voice and not be intimidated by people and events that happen on a daily basis, and ensure that your rights are protected. All for only a small monthly membership fee.

As an Independent Associate, you have the opportunity to share this remarkable program and truly “Make a Difference while Making a Living.” The commissions are significant from direct sales and also from overrides and training bonuses from the team that you are building. Recruiting a team is optional but can be extremely effective in earning more in a shorter time frame.

You are a professional, representing the system and the provider law firm that actually delivers the legal services to the members you enroll. Unlike other network marketing opportunities, there is no ongoing purchase requirement, other than your own membership, nor auto ships that result in turning your garage into a storage facility.

To become a registered Independent Associate requires a one-time investment of only $149. That’s $149 not $149,000! A small investment to start your business. You can specialize in helping families or small businesses or you can market group employee plans. Or you can do all three!

To learn more about the legal plans and this incredible opportunity, please go to: www.prepaidlegal.com/hub/regoyette

What Is Network Marketing? (From www.networkmarketingnow.com )

Network marketing is a business model and a legitimate business that uses several methods such as referral programs and direct selling to sell company products or services. In this business model, individual associates or distributors act like the franchise to the parent company or network marketing business company and they are paid with the compensation according to the number of products sold with their efforts or with their own organization.

Most people confuse network marketing business with the pyramid selling but the fact is that in the network marketing nobody loses money. The profit made by this business model is shared to the individual in this business based on the retail sales and group profits made by them. It is very important for the newcomers in the business to check whether the company is legitimate before signing any contract with them.

Here are few tips for the distributors to check the reputation of the company. First important step is to check whether the company is regulated with the rules and regulations advised by the government or any organization related to it. The regulation part plays an important in choosing the right company.

Next step is to check country’s regulations, most countries restrict the network marketing companies from charging large joining fees. Therefore it is better to know the legal problems in this business.

Network marketing company should not force the distributors to have large and expensive inventory of products. The distributors must make sure that the products are really good and has good value in the consumers market. Also, it is very important for the distributors to believe in the product, and should avoid joining any company that sells product of very low quality.

It is also recommended to check whether there are any training programs available to help the distributors to start their business. The chosen company should have a long and established track records of many years. At least, the company should be in the business for five years. Most importantly, it is better to choose a company and products that make the distributors more comfortable.

 

Wow, Talk About Excitement!!!

With the change in ownership of Pre-Paid Legal by MidOcean Partners in New York many exciting things are happening. New branding and promotional concepts are being announced on Sept 10^th with a budget of $230,000,000 being committed to this. MidOcean has taken over many companies in the past and made them household names. Companies like Jenny Craig, Isotoner Gloves, LA Fitness, Bushnell, and Prestige Brands to name only a few. Recognize any of those names? (Check out www.midoceanpartners.com for more information.)

What does this mean for you?

This remarkable membership program will also become a household name. You will continue to have  unlimited access to the legal system through a provider law firm in your area and receive an incredible array of services for a very small monthly membership fee. You will be able to be in a position of knowing your rights and not allow anyone or any business to intimidate you and over charge you or threaten you in any way. Peace of mind and solid support from a major law firm in your area. Lawyers that want to help you … what a concept!

Income Opportunity

Well, I have talked about Pre-Paid Legal in the past. If you’re like me- – maybe you’ve looked for something that can make a change in your life, earn some part time income or replace a full time income – and in my case, become my retirement plan. With the changes happening, and re-branding and focus on targeting every home and small business, there is going be an explosion and people will be looking to find a PPL Associate. The opportunity at PPL has always been great, but now will be even more incredible! I am not prone to expressing a lot of hype, I’m not that type of guy, but I just can’t contain my enthusiasm for what’s going to be happening!

As Independent Associates we are going to do extremely well. I am looking to build my team as quickly as possible, and there is room for five people at this time on my team. Specifically I am presenting the PPL plan to small business owners and this side of the business pays really well. You can earn a significant monthly income while building future residuals. In addition, I am working in the “group division” as well, marketing the basic program as an employee benefit plan. As a team we can work with already proven strategies for this market place. The family program is also targeted to small business owners.

You can goggle Pre-Paid Legal and MidOcean for more details, or go to www.prepaidlegal.com/hub/regoyette. Invest an hour of your time, with no obligation at one of our business presentations at SFU in Surrey, and you will see just how exciting this is and how it can work for you, and how you can be successful at it.

There has never been a better time to get involved and be able to offer people a remarkable program that can save them tons of money and provide peace of mind.

This truly is a business income opportunity that allows us To Make a Difference while Making a Living!

You will be seeing all kinds of information about PPL after September 10^th in all kinds of different media. People will be seeking us out. You heard it here first!

Cash May Be King … But How Do I Control It?

If you do not have a handle on how cash flows in your business, you may not have a business for very long.

A Cash Flow Projection shows how cash is expected to flow in and out of your business over a period of time.

For the business owner, it’s an extremely important tool for cash management, letting you know when your expenditures are too high, and need to arrange for a credit line or other short term funding, or when you might want to arrange short term investments to deal with a cash flow surplus. As part of a business plan, a Cash Flow Projection gives you a much better idea of how much capital investment your business needs.

For a bank loans officer, the Cash Flow Projection offers evidence that your business is a good credit risk and that there will be enough cash on hand to make your business a good candidate for a line of credit or short term loan.

To be an effective tool, you will need to show Cash Flow Projections for each month over a one year period. Essentially, there are three parts to the Cash Flow Projection

1.  Cash Revenues:

Enter your estimated sales figures for each month. Remember that these are Cash Revenues; you will only enter the sales that are collectible in cash during the specific month you are dealing with. You will also need to understand how credit sales flow in your business.

2. Cash Disbursements:

Take the various expense categories from your ledger and list the cash expenditures you actually expect to pay that month for each month. Sort and categorize by expenses that are recurring like rent, wages, etc, and by specific terms like trade payables that are paid in 30 to 45 days to make it easier to classify.

3. Reconciliation of Cash Revenues to Cash Disbursements:

As the word “reconciliation” suggests, this section starts with an opening balance which is the carryover from the previous month’s operations. The current month’s Revenues are added to this balance; the current month’s Disbursements are subtracted, and the adjusted cash flow balance is carried over to the next month. Remember, the Closing Cash Balance is carried over to the next month.

The main danger when putting together a Cash Flow Projection is being over optimistic about your projected sales. To be an effective tool, you must be realistic in your estimates. You should be updating the Cash Flow Projection monthly and after a few months you will be able to use the previous months’ performance as a guide.

The Cash Flow Projection will be one of the most important management accounting tools that you will use in controlling and guiding your business.

If this appears too complicated or, as a business owner/manager, you do not have the time or staff to prepare this document, contact me at ron@solutionsthatfit.ca or 604.644.6618

Budgeting and variance analysis are also critical tools which we will discuss in another post.

What’s a business plan, and why do I need one?

A business plan is a written document that describes your business, its objectives and strategies, the market you are targeting and the financial forecast for your business. It will assist in setting realistic and timely goals, help secure external funding, help measure your success, clarify operational requirements and establish reasonable financial forecasts. Preparing your plan will help you focus on how your new or existing business will need to operate to give it the best chance for success.

Getting financial assistance to help get your business up-and-running or to expand its operations, is directly tied to your business plan. To be considered a viable candidate to receive funds from financial institutions and/or investors, you must fully demonstrate your firm grasp of every aspect of your business, and particularly its ability to generate profit.

Beyond creating a business plan for the sake of lenders and investors, it is also a necessary exercise to help you map out the growth and progress of your business. The success of your business depends on your clear vision of the future:

• How will you generate positive cash flow?
• How will you sustain your business in the ‘lean times’?
• Who is your competition, and how will you coexist?
• Who is your target market?
• Who is your management team?
• How much do you need to make your plan work, and when do you need it?

The above are just a few examples of the questions you will answer in your business plan, providing you with the direction in which you will guide your business.

A competent, well written business plan will show that you have done your homework and can be used as a guide or a measuring stick to ensuring you are going in the right direction. Other financials tools can help you monitor you performance, knowing when you are on track and when you’re going off track, such as Cash Flow Projections. We’ll talk about that in another post.

In the meantime, for help getting your business plan completed contact me at anytime, ron@solutionsthatfit.ca or604-644-6618

Limited time offer:  Book with Ron to do your business plan by June 30, 2011 and get 50% off the regular rate for you plan!

What Does an LA Cop Have to Say About Pre-Paid Legal?….

In his own words, from Roy Moya (LAPD)…

I am a 16 year police officer with the LAPD. I have been with Pre-Paid Legal for ten years both as a member and as an Associate.

Initially, I joined PPL as a member only, simply to get a friend off my back. This friend “harassed” me for four months about joining PPL as a member and soon about the business side of PPL. All I had to do was listen to a “cassette tape”. A “cassette tape” which was going to be the answer to all my prayers. Imagine that, a “cassette tape” WOW!!

I was forced to use the membership when a VERY large hospital refused to pay a $1100.00 medical bill as a result of going to the E/R of a local hospital and NOT the hospital I belonged to during an emergency. After (15) attempts in five days to resolve the issue on my own and getting NO WHERE, I contacted my attorney.

Within (3) days of contacting the law firm, I received a phone call from a General Manager at my hospital advising that the payment to the out of network hospital had been paid and the case was closed.

Made a believer of me. I sold fifteen memberships my first five days and of those, seven became Associates. I had NO CLUE what I was doing but I do know that I was EXCITED and a true BELIEVER in PPL. I simply could NOT shut up about PPL.

To this day, I still feel the same about the membership and the business.My goal for this year, is to work the business like I have never worked it in the past.

That is why I am here, to learn from every single person in this group including those that are just getting started in the business. EVERYONE, brings SOMETHING to the table.

Want to know more? Contact me – ron@solutionsthatfit.ca or 604-644-6618 or go to http://www.prepaidlegal.com/hub/regoyette

Legal Advice for Your Business Too Costly? Instead of $300/hr – How About $105/month – or Less?

Have you avoided getting appropriate legal advice and support for your business because of the fear of the cost, or not being able to find a lawyer that’s not intimating and who isn’t focused more on their billing time than actually helping you? At $300/hour or $5/minute, you don’t want to be talking to a lawyer about the weather or the Canucks’ run to the Stanley Cup!

Legal advice for businesses involves consultation in all areas of business, like employee hiring, equipment leases, joint ventures, partnerships, vendor problems, only to mention a few.

What if you could have your lawyer write letters on your behalf or make phone calls, help you with debt collections, contract and document reviews, and even dedicated consultations on such matters as securities, copyrights, trademarks, etc? What if you could have a 25% to 33% discount off standard fees for litigation and other legal work, and reduced contingency fees? What if you could have access to a network of lawyers throughout North America if you have legal issues elsewhere?

What if, for this same monthly fee, you also had access to a comprehensive business resource website providing information on internet, marketing, management, finance, tax matters, and so much more. What if you could ask a highly qualified business consultant with expertise in the area of importance to you, any business question whatsoever and get back a well researched answer to that question?

And so much more! What is it and how do you learn more?

Pre-Paid Legal has been providing this membership service in Canada for 11 years now and 40 years in the USA. PPL has developed an amazing “closed provider law firm” network in North America of highly competent, and “customer focused” lawyers accessible to help small businesses (up to 100 employees) and families to have affordable legal help, with only the cost of a small monthly membership fee. Membership for families as low as only $26/month.

Contact me at ron@solutionsthatfit.ca, 604-644-6618, or go to  prepaidlegal.com/hub/regoyette to get more information. You could be talking to your law firm in Vancouver within 1 to 2 days, and not being worried about the meter running!!

The Ten Most Common Uses for Your Pre-Paid Legal Plan

A few weeks back, well May 14th to be exact, Joe (his real name), a lawyer with the provider law firm in Vancouver was the guest speaker at an Advanced Product Training session for the PPL network here.

Joe talked about his enthusiasm as a lawyer and in particular, as a Pre-Paid Legal Services lawyer. He talked about “giving people a voice” and helping them to deal with day to day issues when someone or some business tries to take advantage or not follow through on their obligations. In a lot of cases, because the legal system is so costly, most people can not exercise their rights in certain situations and that’s what Joe is so passionate about – helping people deal with the inequities of every day events. He believes PPL provides solutions to their problems by giving a voice to those that need it, and “marketing hope”.

The 10 top uses for the Pre-Paid Legal plan in BC, accordingly to Joe, are:

1. Severance Package Review
2. Mortgage Consultation
3. Credit & Asset Protection
4. Credit & Liability Resolution
5. How to return items, i.e autos at lease end or end of loan
6. Landlord/tenant issues including evictions
7. Bankruptcies
8. Lawsuits filed by Collection Agencies
9. Child Support issues
10. Employment issues

Joe likes to stress the Preventive nature of the legal services, especially;

• Phone consultation on an unlimited number of matters
• Letters written on the members behalf
• Unlimited number of personal contracts and documents reviewed (up to 10 pages each)
• Standard will preparation with yearly updates, including Power of Attorney and Living wills
• Legal Shield – a 24/7 access to a lawyer anywhere in North America in the event of being arrested or detained

Oh, by the way, did I mention that the investment for this plan is only $26 per month?

You can meet Joe next month at the law firm’s open house! For an invitation to the open house or to learn more about this powerful and affordable plan, contact any Pre-Paid Legal Independent Associate, or me directly at ron@solutionsthatfit.ca or on my cell at 604-644-6618.

Financial/Tax Planners: Do You Advise Your Clients to Get Their Wills Done?

Seven out of 10 Canadians do not have a will! What happens when you pass away without a will? As you may know the BC government has a process that they go through to distribute the estate of those without a will. And who they deem to be beneficiaries may not be who your clients would have chosen.

But wills can be expensive, anywhere from $300 to $500 for a simple will up to $1,500 and beyond for more complex wills.

What about will kits and websites that purport to help you prepare your will? Blended families help move your client into the more complex category pretty quickly and these may not be adequately covered in these lesser expensive alternatives.

But there is an affordable alternative for your clients – a Pre-Paid Legal membership. For only $26 per month, your client and their spouse can get their will prepared by competent and knowledgeable lawyers right here in the Lower Mainland. This includes a living will and appropriate power of attorney. And these can be reviewed annually – no additional cost.

This does not take into consideration the many other valuable benefits of a Pre-Paid Legal membership. The wills alone provide enough value for at least two years of membership. To learn more, contact me directly at ron@solutionsthatfit.ca