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	<title>Business and Health Blog &#187; Ethics</title>
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		<title>Life Is A Scam</title>
		<link>http://www.businesshealthblog.com/business/ethics/life-is-a-scam.html</link>
		<comments>http://www.businesshealthblog.com/business/ethics/life-is-a-scam.html#comments</comments>
		<pubDate>Wed, 24 Sep 2008 07:44:40 +0000</pubDate>
		<dc:creator>Shonta</dc:creator>
				<category><![CDATA[Ethics]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Life Is A Scam]]></category>

		<guid isPermaLink="false">http://www.businesshealthblog.com/?p=1196</guid>
		<description><![CDATA[What can you do? Most of life is really one form of scam or another. The biggest scams are being uncovered as scientists peel away the layers of reality to reveal that nothing is really as firm as we believe them to be. A piece of wood may look solid enough so that if one [...]]]></description>
			<content:encoded><![CDATA[<p>What can you do? Most of life is really one form of scam or another. The biggest scams are being uncovered as scientists peel away the layers of reality to reveal that nothing is really as firm as we believe them to be. A piece of wood may look solid enough so that if one were to be hit in the head with it, some form of damage would be inflicted on skin of the head if not fracturing the skull itself. On the sub-atomic level, the atoms that comprise that piece of wood have another kind of reality. An atom is composed of a nucleus and orbiting electrons. The nucleus and the electrons never meet such that it might as well be infinite space that separates them This ghostlike quality of an atom is a far cry from the solid manifestation of a bunch of atoms that comprise a piece of wood that is capable of inflicting great damage to a head or a portion of the human body that comes in contact with it as when a wooden bat is swung to strike a man. A neutrino on the other hand, is a particle so tiny that it would pass through most anything as though nothing exists except itself</p>
<p>One of the biggest scams in human history is the belief that the world is flat. Sailors and mariners would be afraid to stray from charted waters for fear of falling off the edge of the world. Ancient maps would say, &#8220;here be dragons&#8221; to denote parts of the world which people know nothing about.</p>
<p>Christopher Columbus in his quest to find treasures for his king by charting a route to the fabled land of India mistakenly thought that the Indies was India hence the name and the indelible appellation of native Americans as Indians.The fiction of Heven and Hell is one of the biggest scams perpetrated on gullible Christians who swallow hook line and sinker anything professed by Church Fathers and Evangelists who know how to write and orate better than to use their reason.</p>
<p>Galileo Galilei was a genius who fell victim to the ignorance of the Church Fathers who found his notion of the Heliocentric System contrary to the Religious belief that the sun revolved around the earth. He spent his life in house arrest so to speak unable to share his wisdom and knowledge for the good of humanity simply because his theory challenged popular Christian belief.</p>
<p>Even today, the general population is held captive by the ignorance of so-called leaders who foist their own brand of authoritarianism in the name of Democracy and freedom and economic progress. Proponents of terrorism also promote the fiction of a holy war on clueless adolescents and young people who feel dispossessed and hopelesss enough to end their own lives along with their intended victims by a tragic act of self-annihilation.</p>
<p>Life is a scam and scams are not limited to economic scams perpetrated in the Internet by unscrupulous marketers who prey on the naive desire of people to make money online. Every day there is a new scam being concocted by people and every day there are people falling victim to these scams. The Romans in their legalistic wisdom knew that scams were difficult to prevent so they merely decreed: Caveat emptor. Let the buyer beware.</p>
<img src="http://www.businesshealthblog.com/?ak_action=api_record_view&id=1196&type=feed" alt="" /><h3  class="related_post_title">If you liked this article, You may also like</h3><ul class="related_post"><li><a href="http://www.businesshealthblog.com/business/ethics/protecting-your-corporate-identity.html" title="Protecting Your Corporate Identity">Protecting Your Corporate Identity</a></li><li><a href="http://www.businesshealthblog.com/business/ethics/for-the-love-of-charity-the-economics-of-parasitism.html" title="For The Love Of Charity! The Economics Of Parasitism">For The Love Of Charity! The Economics Of Parasitism</a></li><li><a href="http://www.businesshealthblog.com/business/ethics/cheating-in-america-a-national-pastime.html" title="Cheating In America, A National Pastime">Cheating In America, A National Pastime</a></li><li><a href="http://www.businesshealthblog.com/business/ethics/giveaways-by-web-site-draw-in-consumers.html" title="Giveaways By Web Site Draw In Consumers">Giveaways By Web Site Draw In Consumers</a></li><li><a href="http://www.businesshealthblog.com/business/ethics/your-lenders-are-spying-on-your-clients.html" title="Your Lenders Are Spying On Your Clients">Your Lenders Are Spying On Your Clients</a></li></ul>]]></content:encoded>
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		</item>
		<item>
		<title>Protecting Your Corporate Identity</title>
		<link>http://www.businesshealthblog.com/business/ethics/protecting-your-corporate-identity.html</link>
		<comments>http://www.businesshealthblog.com/business/ethics/protecting-your-corporate-identity.html#comments</comments>
		<pubDate>Wed, 24 Sep 2008 07:41:37 +0000</pubDate>
		<dc:creator>Shonta</dc:creator>
				<category><![CDATA[Ethics]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Corporate Identity]]></category>

		<guid isPermaLink="false">http://www.businesshealthblog.com/?p=1194</guid>
		<description><![CDATA[When it comes to corporate identity and logo design, copyright infringement has become an increasingly prevalent issue. As more and more small businesses find they need a logo to stay competitive, the demand has created a plethora of logo design firms that offer a variety of services from stock clipart images to custom design services. [...]]]></description>
			<content:encoded><![CDATA[<p>When it comes to corporate identity and logo design, copyright infringement has become an increasingly prevalent issue. As more and more small businesses find they need a logo to stay competitive, the demand has created a plethora of logo design firms that offer a variety of services from stock clipart images to custom design services.</p>
<p>However, because of the competitive nature of graphics design and the ease in which people have access to information, it has become difficult to ensure that a design remains the property of the respectful owner, and does not become duplicated by someone else. The ease in which an image or logo can be taken from the web and retraced is surprising, and there are even some that fail to realize that online content isn’t simply ‘public’ domain. Therefore you should always be careful to properly document and trademark your logo design, articles and content. Failure to do so may wind up costing you down the road.</p>
<p>Some graphics design firms have even gone so far as to take images from other companies’ portfolios, and claim them as their own. Not a smart move! It’s surprising the number of designers that surf the web and are able to catch duplicate logos with ease. The repercussions on such a practice can be devastating for a company.</p>
<p>When you’re having a logo created, be sure to properly research the design company before signing on. If their prices are too good to believe, chances are they will be cutting corners elsewhere, often in the creativity department. Once you decide on a company to go with, try to ensure that you give them as much information as possible about your company. Try to identify your industry and competition as best as possible. This way, you will be helping the artists to come up with an original logo design that you can be confident in claiming as your own.</p>
<p>In addition to graphics and logo design infringement, text/content theft has become another problem to recently plague the internet. Thankfully, there is an interesting tool that allows you to easily see who’s been copying your web sites. The tool can be found at Copyscape.com. Type in the web page address that poses a concern, and Copyscape will immediately give you the top ten results of pages with duplicate content. The results can be surprising.</p>
<img src="http://www.businesshealthblog.com/?ak_action=api_record_view&id=1194&type=feed" alt="" /><h3  class="related_post_title">If you liked this article, You may also like</h3><ul class="related_post"><li><a href="http://www.businesshealthblog.com/business/ethics/life-is-a-scam.html" title="Life Is A Scam">Life Is A Scam</a></li><li><a href="http://www.businesshealthblog.com/business/ethics/for-the-love-of-charity-the-economics-of-parasitism.html" title="For The Love Of Charity! The Economics Of Parasitism">For The Love Of Charity! The Economics Of Parasitism</a></li><li><a href="http://www.businesshealthblog.com/business/ethics/cheating-in-america-a-national-pastime.html" title="Cheating In America, A National Pastime">Cheating In America, A National Pastime</a></li><li><a href="http://www.businesshealthblog.com/business/ethics/giveaways-by-web-site-draw-in-consumers.html" title="Giveaways By Web Site Draw In Consumers">Giveaways By Web Site Draw In Consumers</a></li><li><a href="http://www.businesshealthblog.com/business/ethics/your-lenders-are-spying-on-your-clients.html" title="Your Lenders Are Spying On Your Clients">Your Lenders Are Spying On Your Clients</a></li></ul>]]></content:encoded>
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		<title>For The Love Of Charity! The Economics Of Parasitism</title>
		<link>http://www.businesshealthblog.com/business/ethics/for-the-love-of-charity-the-economics-of-parasitism.html</link>
		<comments>http://www.businesshealthblog.com/business/ethics/for-the-love-of-charity-the-economics-of-parasitism.html#comments</comments>
		<pubDate>Wed, 24 Sep 2008 07:36:17 +0000</pubDate>
		<dc:creator>Shonta</dc:creator>
				<category><![CDATA[Ethics]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Economics Of Parasitism]]></category>

		<guid isPermaLink="false">http://www.businesshealthblog.com/?p=1191</guid>
		<description><![CDATA[This morning, as I emerged blinking from Chancery Lane station on my way to work, I was confronted by a young lady sporting a nylon tunic emblazoned with the words ‘Every Child’ and a fat clipboard full of Direct Debit forms. As I approached, she began to play out some ridiculous dumb show of desperation [...]]]></description>
			<content:encoded><![CDATA[<p>This morning, as I emerged blinking from Chancery Lane station on my way to work, I was confronted by a young lady sporting a nylon tunic emblazoned with the words ‘Every Child’ and a fat clipboard full of Direct Debit forms. As I approached, she began to play out some ridiculous dumb show of desperation worthy of the sad clown in a cut-price circus and entreating myself and the guy walking immediately ahead of me to “Pleeeeeease stop and talk to me!” in pathetic, ‘can-I-have-a-pony-Daddy?’ tones. In response to her transparent and two dimensional plea, I fixed on my best chugger-proof thousand yard stare (they can’t catch your eye if you look through them!) and trundled blithely on. My fellow pedestrian, however, felt no such need for reserve in his response, calling out loudly “there’s a good reason why no-one’s talking to you, love, it’s because you’re a f***ing parasite!”</p>
<p>Some years ago, whilst I was still at university supplementing my student by loan working in a bar up to five nights a week and living in a shared house, one of my then housemates came home announcing that she had found ‘an amazing job’ which allowed her to work just one day a week and bring home more money than my five bar shifts used to earn. Intrigued, I asked for more details of this wonder job and sat back as my housemate launched into a breathless account of how she and her fearless new colleagues were out to save the world. “Firstly, she gasped, in a froth of self-congratulatory altruism, “the best thing about the job is that it’s working for charity!” So far, so good I thought; charity is good. “Basically, you go out with a team of people and you talk to people in the street and you ask them to sign up to donate money for your charity.” “Which charity is this?” I asked. “Oh, it could be a different charity every week, we work through an agency” she replied. At this point, alarm bells began to ring.</p>
<p>To cut a long story short, it transpired that my housemate was being paid around £9.50 per hour to stand in the street, harassing the general public into surrendering their direct debit details and donate to charity making, over a ten hour shift a daily total of £95, which was a pretty damn good take home for a days work for a 20 year old student. Add to that the fact that employment agencies of any sort levy a charge on top of this daily wage to the employer, in this case the charity, which can easily be equal to or even in excess of the actual wages paid to the employee. Lets be generous in this case and assume that the agency in question charges 30% on top of wage charges. That leaves a daily cost to the charity in question of £123.50. After a rushed mental calculation, I exclaimed to my housemate “wow, you must have to work really hard to pay for yourself; how many are you expected to sign up in a day?” “One” she replied, “at least while we’re new to the job, later on you’re expected to be better at it, the really good ones get four or five in a day!”. Four and five in a day sounds like a pretty low rate considering the cost; “how much are these four or five people donating?”; “about £3.50 a month on average”.</p>
<p>I was gobsmacked! I couldn’t help it, the calculator came out.</p>
<p>“I hate to piss on your parade,” I said, five minutes later “but at one signee per day for £3.50 a month, you’d need to work for 35 days straight, or seven full working weeks to bring in enough revenue from initial payments to pay your wages for a single day. To put it another way, the one person that you sign up today has to maintain this direct debit for just shy of three years before what you did today becomes profitable for the charity that hired you. I fail to see how this is a good thing you are doing.”</p>
<p>Two days later, my housemate returns from a second shift ‘chugging’, “we are raising awareness” she says, “increasing the public brand visibility of the charities we work for”. Sure you are, you’re raising my awareness of the fact that people in nylon tunics are to be avoided; you’re raising my awareness of the depths to which unscrupulous agencies and cash strapped students will stoop; you’re raising my awareness of exactly how much voluntarily donated cash intended for charity use gets siphoned off into the pockets of middlemen and smooth talkers. I fail to see how this is a good thing!</p>
<p>If you really want to donate to a charity, do it via their website.</p>
<p>A crass and imbalanced response to a kind-hearted soul trying to make a difference, you might say; a callous dismissal of the efforts of a good, honest individual to make a difference to the cruel world we live in? Not so, say I! Let us take a moment to examine the economics of this new, self-made industry sector and see if there might actually be some mileage in this young man’s claim.</p>
<img src="http://www.businesshealthblog.com/?ak_action=api_record_view&id=1191&type=feed" alt="" /><h3  class="related_post_title">If you liked this article, You may also like</h3><ul class="related_post"><li><a href="http://www.businesshealthblog.com/business/ethics/life-is-a-scam.html" title="Life Is A Scam">Life Is A Scam</a></li><li><a href="http://www.businesshealthblog.com/business/ethics/protecting-your-corporate-identity.html" title="Protecting Your Corporate Identity">Protecting Your Corporate Identity</a></li><li><a href="http://www.businesshealthblog.com/business/ethics/cheating-in-america-a-national-pastime.html" title="Cheating In America, A National Pastime">Cheating In America, A National Pastime</a></li><li><a href="http://www.businesshealthblog.com/business/ethics/giveaways-by-web-site-draw-in-consumers.html" title="Giveaways By Web Site Draw In Consumers">Giveaways By Web Site Draw In Consumers</a></li><li><a href="http://www.businesshealthblog.com/business/ethics/your-lenders-are-spying-on-your-clients.html" title="Your Lenders Are Spying On Your Clients">Your Lenders Are Spying On Your Clients</a></li></ul>]]></content:encoded>
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		<title>Cheating In America, A National Pastime</title>
		<link>http://www.businesshealthblog.com/business/ethics/cheating-in-america-a-national-pastime.html</link>
		<comments>http://www.businesshealthblog.com/business/ethics/cheating-in-america-a-national-pastime.html#comments</comments>
		<pubDate>Wed, 24 Sep 2008 07:34:36 +0000</pubDate>
		<dc:creator>Shonta</dc:creator>
				<category><![CDATA[Ethics]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[National Pastime]]></category>

		<guid isPermaLink="false">http://www.businesshealthblog.com/?p=1189</guid>
		<description><![CDATA[Look around. Today, more than ever before, it has become fashionable to cheat. One could say, and come away without too much criticism, that everyone expects it. The funny thing is the person who expects it, or observes it, or knows someone who does it, never does it themselves. Ironically, they actually believe they are [...]]]></description>
			<content:encoded><![CDATA[<p>Look around. Today, more than ever before, it has become fashionable to cheat. One could say, and come away without too much criticism, that everyone expects it. The funny thing is the person who expects it, or observes it, or knows someone who does it, never does it themselves. Ironically, they actually believe they are not infected. As noted, this is a national pastime.</p>
<p>Why is this? Why do husbands cheat on their wives and wives cheat on their husbands? Does not the vow to love, honor, cherish, and &#8220;obey&#8221;, (some leave out the &#8220;obey&#8221; part now), mean anything. Well, it appears the times indeed are changing.</p>
<p>In America at least, spousal cheating, encouraged by theater, movies, partytime, and yes, peer pressure, is at epidemic proportions. Does anyone feel guilty? Absolutely, just before it is time to maybe do it again. Kids today, as a result, have groups of parents i.e. first there is the real father and mother, then there is 1st father and 1st mother, and 2nd father and 2nd mother, and so on and so forth, not to mention step brothers and step sisters galore. When we talk about extended families today, we are certainly not talking of the family of 50 years ago that included aunts, uncles, and cousins right down to twice removed. Now, there is no way to keep up.</p>
<p>Then there is the work environment. Parents who cheat at home, cheat on the job. They lie and steal to get ahead. Oh, it is not the feloneous type of stealing, although that is always possible, it is the subtle kind &#8212; stealing someones ideas, words, concepts, suggestions, as well as time from the company on the phone, at lunch, leaving early on weekends, calling in sick when one is not sick, and taking paper, pens, pencils, paperclips and anything not to heavy to carry. If one is in construction, they take bricks, boards, mortar and tools. Cheating on the job has taken on national epidemic proportions. Walmart with their 360 degree cameras strung from the ceilings from every store watch the employees as much as they watch the shoppers.</p>
<p>And what about the churches and among clerics, the courts and legal profession, our schools and among the educators, the health field and medical professionals , government at all levels and among the legislators? What do we find? Cheating permeates every level of our society.</p>
<p>And what about the kids? Where do they fit into this?</p>
<p>Over 70% of them admit to cheating before they graduate from high school. By the time they finish college, 80% are willing to admit they have done it in some way.</p>
<p>When college business students are asked what is the most corrupt field to go into, over 90% suggest it is business. Yet, they willingly choose it as their field of specialization because that is &#8220;where the money is.&#8221;</p>
<p>What about the tiny tots? At what age does a child learn to cheat? Studies now show that 3 out of 4 know how to do it by the time they are 5. And where do they learn it from? The parents, of course.</p>
<p>So the old adage, &#8220;do as I say, not as I do&#8221;, really does have a beginning and a significance because it seems most have done it and really do fear their offspring or their charges will do it too. Why? Simply because it is wrong. We all know it. We all feel it, and we all do not want our youngsters or our charges to do it. We really do want them to be better than us. The internal gut wrenching feelings get us every time. And if we don&#8217;t feel anything? Well then we are psychopaths, socially detached from society and any responsibility for good.</p>
<p>In today&#8217;s world the word &#8220;ethical&#8221; has taken on a new meaning of &#8220;squeaky clean&#8221; and &#8220;please look at me or my organization for we are ethical practitioners.&#8221; Do the new awareness responses mean much when you really know the facts? Lawrence Kholberg&#8217;s theory of ethical development may be hard pressed to determine why as human beings we seem to be stuck in moving forward. It seems the further we go in greater prosperity and technology development the behinder we get in moral development. Is it an illusion?</p>
<p>Actions speak louder than words. To be ethical, one must act ethically. One has to lead and show by doing and not accept society&#8217;s drifters who proclaim when observing ethical breeches that &#8220;they&#8217;re just kids&#8221; or &#8220;everybody does it&#8221; or &#8220;it was only a fling&#8221;, or &#8220;I had no choice&#8221;. Unless somebody is holding a gun to one&#8217;s head, everybody, no matter how small or how old, has a choice. They may not like what the potential outcome may be but they had a choice to do the right thing.</p>
<p>Is it tough? What do you think?</p>
<img src="http://www.businesshealthblog.com/?ak_action=api_record_view&id=1189&type=feed" alt="" /><h3  class="related_post_title">If you liked this article, You may also like</h3><ul class="related_post"><li><a href="http://www.businesshealthblog.com/business/ethics/life-is-a-scam.html" title="Life Is A Scam">Life Is A Scam</a></li><li><a href="http://www.businesshealthblog.com/business/ethics/protecting-your-corporate-identity.html" title="Protecting Your Corporate Identity">Protecting Your Corporate Identity</a></li><li><a href="http://www.businesshealthblog.com/business/ethics/for-the-love-of-charity-the-economics-of-parasitism.html" title="For The Love Of Charity! The Economics Of Parasitism">For The Love Of Charity! The Economics Of Parasitism</a></li><li><a href="http://www.businesshealthblog.com/business/ethics/giveaways-by-web-site-draw-in-consumers.html" title="Giveaways By Web Site Draw In Consumers">Giveaways By Web Site Draw In Consumers</a></li><li><a href="http://www.businesshealthblog.com/business/ethics/your-lenders-are-spying-on-your-clients.html" title="Your Lenders Are Spying On Your Clients">Your Lenders Are Spying On Your Clients</a></li></ul>]]></content:encoded>
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		<title>Giveaways By Web Site Draw In Consumers</title>
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		<comments>http://www.businesshealthblog.com/business/ethics/giveaways-by-web-site-draw-in-consumers.html#comments</comments>
		<pubDate>Wed, 24 Sep 2008 07:32:19 +0000</pubDate>
		<dc:creator>Shonta</dc:creator>
				<category><![CDATA[Ethics]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Web Site]]></category>

		<guid isPermaLink="false">http://www.businesshealthblog.com/?p=1187</guid>
		<description><![CDATA[Toy surprises buried in cereal boxes or in bags of popular snacks have been a marketing tactic for as long as package goods have been sold in supermarkets. Most people probably can&#8217;t even imagine a Cracker Jack box without a prize inside. Giveaways are not just for kids; adults have long participated in incentive giveaways [...]]]></description>
			<content:encoded><![CDATA[<p>Toy surprises buried in cereal boxes or in bags of popular snacks have been a marketing tactic for as long as package goods have been sold in supermarkets. Most people probably can&#8217;t even imagine a Cracker Jack box without a prize inside.</p>
<p>Giveaways are not just for kids; adults have long participated in incentive giveaways ranging from a free tote with the purchase of makeup or perfume at a department store, to $500 gift cards with a new account at the local bank. All of these giveaways are designed to entice the consumer to try particular brands and services.</p>
<p>Recognizing the power of free offers to drive consumer purchases, NetFree Direct LLC, a leading Internet marketing company, has taken the concept to the next level. Through the company&#8217;s Web site, consumers can obtain a variety of rewards including mobile phones, flat-screen TVs, laptops, PlayStations and other game consoles, digital cameras, gift cards and more, simply by completing advertisers&#8217; surveys and signing up for subscriptions and free trial offers.</p>
<p>The Web site is sponsored by well-known advertisers such as BMG, Blockbuster, Netflix, Discover Card, USA Today, Disney and hundreds of others. Upon registration, consumers are directed to a special area of the site where they can complete advertisers&#8217; surveys and sign up for subscriptions or free trials and redeem their rewards. Trials or subscriptions can be canceled without obligation.</p>
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		<title>Your Lenders Are Spying On Your Clients</title>
		<link>http://www.businesshealthblog.com/business/ethics/your-lenders-are-spying-on-your-clients.html</link>
		<comments>http://www.businesshealthblog.com/business/ethics/your-lenders-are-spying-on-your-clients.html#comments</comments>
		<pubDate>Wed, 24 Sep 2008 07:30:03 +0000</pubDate>
		<dc:creator>Shonta</dc:creator>
				<category><![CDATA[Ethics]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Clients]]></category>
		<category><![CDATA[Lenders]]></category>

		<guid isPermaLink="false">http://www.businesshealthblog.com/?p=1185</guid>
		<description><![CDATA[As mortgage brokers we are always in jeopardy of losing our customers to the lenders we work with. We deal with our clients for a short amount of time, but the lender is in constant communication with them for years. And whenever your customers are asked who their mortgage company is, they will usually answer [...]]]></description>
			<content:encoded><![CDATA[<p>As mortgage brokers we are always in jeopardy of losing our customers to the lenders we work with.</p>
<p>We deal with our clients for a short amount of time, but the lender is in constant communication with them for years. And whenever your customers are asked who their mortgage company is, they will usually answer the name of their lender.</p>
<p>Some lenders are better at stealing our clients then others.</p>
<p>As a real estate investor I have had loans with several different lenders. One of my properties had a loan from a lender called JB Nutter. This was a small bank that did a very poor job of marketing itself to its customers. I would hear from them 3 times a year. Once to send me a coupon book for the year, another to tell me how much interest I paid that year for my taxes, and another to tell me about how much money was in my escrow account.</p>
<p>They never once tried to offer me a refinance.</p>
<p>My current mortgage for my residence is with Countrywide. These guys know their stuff. They mail me a statement every month. And in every statement is an offer to refinance or get a line of credit, or insurance. They are always politely selling something. And if that weren&#8217;t enough, they mail me every couple months or so more offers to refinance or tap some equity. But at least they are not as sneaky as World Savings Bank.</p>
<p>One of my investment properties had one of their loans. They now have hooked up with the credit bureaus so that whenever someone with one of their loans gets their credit checked by a mortgage company or lender, they get notified. I like getting my credit checked every 3 months, and with my own mortgage company all it takes is a couple keystrokes of my computer. Imagine my surprise when I got a call at home from a World Savings rep asking me if I was thinking about refinancing. He told me he knew I had my credit checked by a mortgage company and that they were ready to give me a better offer then whatever I was getting,</p>
<p>They have a whole division of telemarketers who do nothing but call their loan holders who are getting their credit checked by other mortgage companies. So even if you get a client a World Savings loan, and that client comes back to you later for a refi, you are now going to have to compete with World Savings for this customer.</p>
<p>Pisses you off doesn&#8217;t it?</p>
<p>And you can bet that now that one lender is doing this, others will follow suit,.</p>
<p>So what do we as mortgage brokers do about this?</p>
<p>Simple, we form close relationships with our clients, that basically makes them immune to any sales pitch by any other lender or mortgage company. I call it the &#8220;silent force field&#8221;. We need to use every tool at our disposal to make sure that once a person becomes a client we never let them go.</p>
<p>I outline the &#8220;silent force field&#8217; completely in our Referrals on Demand product, but I will lay out some guidelines for you here.</p>
<p>1. You must stay in contact with them on a regular basis. Once a month minimum The easiest way to do this is through a monthly newsletter. Outsource this to a newsletter company and they will handle the production, printing, and mailing of the newsletter to your clients every month.</p>
<p>2. WOW your clients as soon as you can. Come up with a creative way to make a great impression on your clients. Here&#8217;s an example. There is dentist in Australia who was tired of having customers be afraid to see him. So he completely changed his office. Now instead of a regular dentist office, it looks more like someone&#8217;s living room. There is the aroma of fresh baked cinnamon buns in the air, (sugar free) that can be enjoyed with coffee or tea. There is no receptionist sitting there with the little window that they keep closing on you. This dentist now has a referral only practice, where the only way to work with him, is if you know someone who already works with him, and they give you a referral.</p>
<p>3. Get to know your clients and let them get to know you. Show your personality. Let them know about your family. Keep them informed about how your kids are doing in school. Remember, you do not want to seem like their bank. You want to seem like a family friend that happens to do mortgages. Have customer appreciation parties. Have house warming parties. Have a grand birthday party for yourself every year. Give yourself excuses to call your clients and get to know them socially.</p>
<p>4. Start a blog and write about whatever you want. Invite your clients to visit often and provide feedback.</p>
<p>5. Become a customer of your clients. If one of your clients owns a dry cleaners, get your clothes cleaned there. Reward them for doing business with you by doing business with them.</p>
<p>6. Get your clients to network amongst themselves. Create a referral club. Your dry cleaner client can go to your dentist client when his teeth hurt. And if you make the referral you look even better.</p>
<p>These are just a few ideas to help you keep your customers. People do business with people they like. By forming relationships with your past clients you can make sure they keep coming back to you.</p>
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		<title>The Great Importance Of Doing Business With Ethics</title>
		<link>http://www.businesshealthblog.com/business/ethics/the-great-importance-of-doing-business-with-ethics.html</link>
		<comments>http://www.businesshealthblog.com/business/ethics/the-great-importance-of-doing-business-with-ethics.html#comments</comments>
		<pubDate>Wed, 24 Sep 2008 07:27:23 +0000</pubDate>
		<dc:creator>Shonta</dc:creator>
				<category><![CDATA[Ethics]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Business Ethics]]></category>

		<guid isPermaLink="false">http://www.businesshealthblog.com/?p=1183</guid>
		<description><![CDATA[For most people, money makes the world go round and business bears that money. Businessmen will perhaps do anything just to achieve the ultimate goal of having a business, and that is to earn income. Net profit or income financially means a surplus of sales or revenues after deducting costs and expenses. Whether you are [...]]]></description>
			<content:encoded><![CDATA[<p>For most people, money makes the world go round and business bears that money. Businessmen will perhaps do anything just to achieve the ultimate goal of having a business, and that is to earn income. Net profit or income financially means a surplus of sales or revenues after deducting costs and expenses. Whether you are engage in profession, occupation, work or trade, you are in business and you speak income. When you earn an income you suffer taxes, the worst nightmare for every income earners. Income tax is your punishment of doing well in business. This sounds ridiculous but this is the reality, you pay when you earn. Because tax is legislative, noncompliance to this would results to crimes. This thing called income tax had already made billions of liars around the world. Some governments imposed taxes which are already too much to burden the flow of business. Others make tax laws that are already beyond the ability of taxpayers. However these facts must not result in the existence of enormous number of dishonest people in the world.</p>
<p>Ethics in business rarely exists nowadays. Perhaps it is because for most people, profit will come without the need of business ethics. This, I don’t agree. The word ethics is derived from the Greek word ethos, which means &#8220;character,&#8221; and from the Latin word mores, which means &#8220;customs.&#8221; According to the encyclopedia ethics is the branch of philosophy that defines what is good for the individual and for society and establishes the nature of obligations, or duties, that people owe themselves and one another. Maybe ethics is not needed to earn profit if you define profit or income as money. But deeply speaking, business is not just for money. Yes it is definitely for profit, but profit is not just financial profit. We need profit that will not just sustain our pocket or our stomach. Significantly, we also need profits that will feed our hearts and soul. Considering that we are great businessmen, we should extend our minds to this principle. We need business ethics to earn these high valued profits. We must be concerned to the virtue of our character and to the common good.</p>
<p>Your business is not just for the survival of your life on Earth but it can also be your road to the survival of your soul. If you’re in business and had a company, you can help your employees by providing them enough salaries and other benefits that will make their lives better. You can be honest and pay your exact tax for the government who will eventually use it for your country’s development. (Assuming your government is straight and not corrupt) But don’t mind them, be honest even others are not. We are talking here your soul survival and not theirs. You can also serve your customers by providing them their needs and giving them convenience. Customer care is so important for your customers as also important for your business to earn public trust and loyalty. If you build infrastructures for your company you contribute to the development of your place in terms of buildings and infrastructures. When you got ethics in business you practice fair business competition. Fair business competition is a challenge for every business to improve the qualities of their products and services, and the end benefits are to the consumers.</p>
<p>Doing business with clean conscience is doing business with good night sleeps. It is also doing business with gladness of your heart and soul. Gratitude will come to you and you will become a stress free businessman if you do business with ethics. These and other spiritual profits will straightly come to you and the good thing on this is you are not taxed on this kind of profits. As an extraordinary businessman, you do not only set your long-term goals for 10 years or for a life time. You must also consider eternity and set goals to achieve profits that will benefit your soul. You need profits that last forever, profits that will give us everlasting life and happiness, and profits that will earn us the key to heaven. These profits will benefits us in the short run, midterm run, long run and eternal run, as God is great from the beginning and unto the never-ending.</p>
<p>Do business and believe in God. Building our business in God’s place is like building it in rocks which are in great foundations. Let us be kind and grateful to our employees as they are our best assets. Let’s give them bread and they will give us a ham sandwich. Let us have huge care to our customers as they are our best revenue generators. Let’s give them good price, high quality products and best services and they will give us their respect and loyalty. Let us be fair to our competitors as they are our great motivators. Let us give them fair game and they will give us the true meaning of winning. Let us be thankful to our Father Almighty God as He is our greatest business partner. Let’s serve Him and He will give us joy and peace of mind.</p>
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		<title>What Investigative Reporting Entails</title>
		<link>http://www.businesshealthblog.com/business/ethics/what-investigative-reporting-entails.html</link>
		<comments>http://www.businesshealthblog.com/business/ethics/what-investigative-reporting-entails.html#comments</comments>
		<pubDate>Wed, 24 Sep 2008 07:25:34 +0000</pubDate>
		<dc:creator>Shonta</dc:creator>
				<category><![CDATA[Ethics]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Reporting Entails]]></category>

		<guid isPermaLink="false">http://www.businesshealthblog.com/?p=1181</guid>
		<description><![CDATA[The field of investigative reporting involves bringing to the fore facts and figure that affect human interests and fair governance. This means conducting in depth research, looking at public records, doing extensive interviews, as well as checking and rechecking of facts before publication. Whether print or television, investigative reporting is essentially “watchdog” reporting. This means [...]]]></description>
			<content:encoded><![CDATA[<p>The field of investigative reporting involves bringing to the fore facts and figure that affect human interests and fair governance. This means conducting in depth research, looking at public records, doing extensive interviews, as well as checking and rechecking of facts before publication. Whether print or television, investigative reporting is essentially “watchdog” reporting. This means reporting crimes, unfair practices, injustice, as well as other human interest aspects like environment, disease, and so on.</p>
<p>Investigative journalism can move public opinion and instill fear in those treading the wrong path. Slave trade, gun running, terrorist activities, drug trafficking, money laundering and so on are brought to the notice of the world by investigative journalism.</p>
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<p>An investigative journalist must be unafraid, determined, patient, watchful, fair, as well as dog minded to be successful. The questions a journalist seeks answers to are: who is responsible for the wrong doing; what methods were employed; what are the consequences; what can be done to correct the wrong; can the wrongdoers be brought to book?</p>
<p>The keys are to dig up the first lead, tip, or hunch. Then sniff around for facts. Form an investigative hypothesis. Next, like a detective, gather evidence that will prove undeniably the hypothesis. This will involve interviews, documents, records, proofs, and intense paper work. Organize the information and write the report. Check facts, check chances of libel, and the laws. To be good at your work it is advantageous if you are familiar with the law, know the procedures, can conduct quick and accurate research, follow the money trail, and dig out facts.</p>
<p>Investigative journalism is a specialized field that uses journalism skills, curiosity, advanced research methods, and a determination to right wrongs. This field of journalism is what helps shape democracy and protects the lives of the innocent. Done correctly it can raise public opinion to such an extent that the way the world thinks and functions can be changed.</p>
<p>An investigative journalist must work within the confines of ethics written and unwritten and the laws. The work could include revealing scandals and tracing infringements of laws, rules, or morals. Bring to public notice the policies of governments, companies, and other organizations. And, institute social change by describing social, economic, political, and cultural trends.</p>
<p>To be effective in investigative journalism the journalist must have high standards of functioning and be above corruption. The principles of truthfulness, accuracy, objectivity, impartiality, fair play, and public accountability must be deeply ingrained in the mind and soul of the journalist. Since investigative journalism involves use of undercover sources and anonymous tips it is absolutely essential for the journalist to double check facts.</p>
<p>Investigative journalism is news with a difference. It is critical and in depth investigations to a happening or policy which will serve to prevent or correct a wrong, prevent crimes, save the planet from destruction, and shape the future of the world in more ways than one. It is reporting the unknown, the hidden, and so, the investigative journalist becomes the keeper or custodian of public conscience.</p>
<p>It is a field where a mere niggling thought or suspicion becomes an expose of wrong doings. It questions actions and decisions and brings to the limelight outrageous acts and in human actions. In simple terms an investigative journalist polices society in the larger interests of mankind.</p>
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		<title>Sexual Harassment Training</title>
		<link>http://www.businesshealthblog.com/business/ethics/sexual-harassment-training.html</link>
		<comments>http://www.businesshealthblog.com/business/ethics/sexual-harassment-training.html#comments</comments>
		<pubDate>Wed, 24 Sep 2008 07:23:32 +0000</pubDate>
		<dc:creator>Shonta</dc:creator>
				<category><![CDATA[Ethics]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Sexual Harassment]]></category>

		<guid isPermaLink="false">http://www.businesshealthblog.com/?p=1179</guid>
		<description><![CDATA[One of the more significant pieces of California legislation that went into effect on January 1, 2005, was AB 1825. This law requires employers with 50 or more employees to provide two hours of sexual harassment training and education to all supervisory employees by the end of 2005. It also mandates that these employees will [...]]]></description>
			<content:encoded><![CDATA[<p>One of the more significant pieces of California legislation that went into effect on January 1, 2005, was AB 1825. This law requires employers with 50 or more employees to provide two hours of sexual harassment training and education to all supervisory employees by the end of 2005. It also mandates that these employees will receive sexual harassment training and education once every two years after January 1, 2006.</p>
<p>It is important to note that temporary employees, independent contractors and workers outside of the state of California are not excluded in the 50-employee tally. Be sure you count every employee before you decide this legislation doesn’t apply to your company.</p>
<p>Scope of the training:<br />
Your company’s sexual harassment training should include “information and practical guidance” about all federal and state sexual harassment laws. The information provided should include:<br />
·	Prevention of harassment<br />
·	Correction of harassment<br />
·	Remedies available to victims<br />
·	Practical examples aimed at prevention of harassment, discrimination and retaliation</p>
<p>In addition, the law mandates that “trainers or educators with knowledge and expertise in the prevention of harassment, discrimination and retaliation” should provide the training. In other words, you’ll need someone with legitimate credentials to administer the training.</p>
<p>Other considerations<br />
· Because the law includes language like “interactive,” most experts warn that merely turning on a training video will not bring an employer into compliance. Instead, there must be some interaction between the presenter and those who are being trained, such as a question and answer session, or some role-playing. Interactive Internet training should also be acceptable.<br />
· Keep a record of compliance, including documentation that all supervisors (or anyone who performs supervisory functions) participated. A “roll” that includes the signatures of the participants is one option. For Internet training, require a signed receipt.<br />
· Develop a means to monitor future compliance and ensure that new supervisors are trained within six months of hire/promotion (and every two years thereafter).<br />
· Update all of your current policies, employee handbooks, or other procedures to be sure they refer to the training as an expectation.<br />
·	Make sure that all executives are aware of the requirement.For assistance in this area contact AmCheck at 888-AMCHECK.</p>
<p>Source: “New California Law Mandates Anti-Harassment Prevention Training for Supervisors.” Jackson Lewis law firm. October 1, 2004. http://www.jacksonlewis.com/legalupdates/article.cfm?aid=639</p>
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		<title>Trying To Define Criminal Law</title>
		<link>http://www.businesshealthblog.com/business/ethics/trying-to-define-criminal-law.html</link>
		<comments>http://www.businesshealthblog.com/business/ethics/trying-to-define-criminal-law.html#comments</comments>
		<pubDate>Wed, 24 Sep 2008 07:20:15 +0000</pubDate>
		<dc:creator>Shonta</dc:creator>
				<category><![CDATA[Ethics]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Criminal Law]]></category>

		<guid isPermaLink="false">http://www.businesshealthblog.com/?p=1177</guid>
		<description><![CDATA[We hear about law everyday whether we realize it or not. It&#8217;s in our Government, in our work, and even in our houses. One type of law is Criminal law, which is also known as Penal law. This is &#8220;The body of statutory and common law that deals with crime and the legal punishment of [...]]]></description>
			<content:encoded><![CDATA[<p>We hear about law everyday whether we realize it or not. It&#8217;s in our Government, in our work, and even in our houses. One type of law is Criminal law, which is also known as Penal law. This is &#8220;The body of statutory and common law that deals with crime and the legal punishment of criminal offenses.&#8221;</p>
<p>Inside of criminal law there is four major theories of criminal justice:<br />
- Punishment<br />
- Deterrence<br />
- Incapacitation<br />
- Rehabilitation</p>
<p>This form of law is essential in many cases because it can distinguis between crimes from civil wrongs. Criminal law has been around for ages, and is seeing as the fundamental system of regulating the behavior of individuals and groups relatively to what is defined as the social norms. This differs between civil crimes, where the difference is between two individuals and their individual rights and obligations under the law which is ruling the entire society.</p>
<p>An example of a civil law case is a dispute between two individuals over a contract that they made to for example sell an automobile. In that case one individual feels that their individual rights for a fair automobile sale have been breached by the other party. Where as in a criminal case, you would have for example a murderer, who is infringing on the right of safety that we all have. Given those two examples I&#8217;m sure you can appreciate how important Criminal law is, and the important role that it plays in everyone of our societies.</p>
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