Sunday, September 9, 2012

Private lenders and spying on customers

Mortgage Brokers and we are always in danger of losing our customers to the lenders we work with.
We deal with our clients for a short period of time, but the lender is in constant contact with them for years. Whenever customers asked their mortgage company is, and will usually answer the name of their lender.

Some lenders are more likely to steal our customers, and others.

As a real estate investor I have had with various loan lenders. Was one of my properties on Bank loan of Notre called JB. It was one of the small banks that has a very poor job of marketing itself to its customers. I want to hear them 3 times a year. Once you send me a coupon book for years, and the last to tell me how much interest is paid this year for my taxes, and another to tell me how much money was in my escrow account.

They never once tried to refinance offer me.

My current mortgage for my residence is with the country. These guys know what they're doing. Email me they found each month. In every statement is an attempt to refinance or get a line of credit or insurance. They always politely selling something. As if that was not enough, they send me every few months or so more offers to refinance or take advantage of some of these stocks. But at least they are not as devious as World Savings Bank.

Was a real estate investment and one of my debts. It has now been in contact with the credit bureaus so that whenever someone with one of their loans gets their credit checked by a mortgage company or lender, and be warned. I get my credit checked every 3 months, and mortgage companies all it takes is a few keys on my computer. Imagine my surprise when I received a call from a home in global saving delegate asked me if I thought refinancing. He told me he knew I had my credit checked by a mortgage company, and they were ready to make a better offer for me then what you get,

Have complete division of telephone calls that merely call their loan holders who are getting their credit checked by other mortgage companies. So even if you get a loan savings global clients and customers come back to you later for a rustic, and now you have to compete with World Savings for this customer.

You do not piss off is not it?

And you can bet that now that the lender is that, others will follow.

What we mortgage brokers do about this?

Simple, we form close relationships with our clients, making them virtually immune to any sales pitch by any other bank or mortgage company. I call it "silent force field." We must use all means at our disposal to ensure that person becomes a customer never let go.

Answer "silent force field" We completely invitations to the demand for the product, but I'll put some guidelines for you here.

1. You must keep in touch with them on a regular basis. Least once a month and the best way to do this is through a monthly newsletter. Outsourcing this newsletter to a company and they will take care of the production, printing and mailing of the newsletter to your clients every month.

2. Wow customers as soon as possible. To achieve an innovative way to make a great impression on customers. Here is an example. There dentist in Australia who was tired of having customers be afraid to see it. So he completely changed his office. Now, instead of regular dentist office, it looks more like someone's living room. There is the smell of freshly baked biscuits bread cinnamon in the air, (sugar free) that can be enjoyed with coffee or tea. There is no receptionist sitting there with a small window that they keep near you. This dentist now has a referral only practice, where the only way to work with him, is that if you know someone who already works with him, and they give you guidance.

3. Identify the customer and let them 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 look like a bank. Want to look like a family friend that happens to do mortgages. Evenings customer appreciation. Be the warming house parties. Have a great birthday party for yourself every year. Give yourself excuses to call clients and get to know them socially.

4. Start a blog and write about whatever you want. An invitation to visit clients often and provide feedback.

5. Customer becomes a customer. If a customer has a dry cleaning, get clean clothes there. Reward them for doing business with you before dealing with them.

6. Get customers to network with each other. Creating a club reference. Your dry cleaner can go to the dentist customer when his teeth hurt your client. And if you make a referral you look better.

These are just a few ideas to help you keep your customers. People do business with people they like. Establishing relationships with former clients, you can ensure they keep coming back to you.

Entails reporting investigation

The field of investigative journalism is to provide facts and shape of the human impact on the interests and fair governance. Means comprehensive research through the study of public records, and do extensive interviews, as well as checking and re-checking facts before publication. Whether print or television, investigative journalism is essentially a "monitoring" reports. This means that the crime reports and unfair practices, injustice, and other aspects of human interest such as the environment, disease, and so on.
Investigative journalism can move public opinion and instill fear in those walking in the wrong way. And brought the slave trade, arms trafficking and terrorist activities, drug trafficking, money laundering and so on to the world's attention through investigative journalism.

Investigative journalist should not be scared, determined, patient, attentive and fair and the spirit of the dog to achieve success. Questions journalist seeks to answer is: Who is responsible for poor working methods that were used, what are the consequences, what can be done to correct the evil, the perpetrators can be brought to book?

The key is to dig the first driver a tip, or a hunch. Then sniff around the facts. Forming the hypothesis of the investigation. Then, like detective, and the collection of evidence to prove the hypothesis undoubtedly. These will include interviews, documents and evidence, and extensive paper work. Organizing information and writing the report. Check the facts, check the chances of defamation laws. To be good at your job, it is useful if you are familiar with the law, knowledge of procedures that could lead searches fast and accurate, follow the money trail and drilling facts.

Investigative journalism is a specialized field that uses techniques curiosity, journalism and sophisticated research methods, and strong design errors right. The field of journalism is what helps form of democracy and protect the lives of innocent people. Done correctly, it can raise the level of awareness to the point that it can modify the way the world thinks and functions.

Journalist must be investigated within the limits of ethics and laws written and unwritten. Work could include revealing scandals and crimes research laws, rules, or morals. Inform the general policies of the governments, companies and other organizations. And the Institute for Social Change through the description. Social, economic and political and cultural

To be effective in investigative journalism, journalist should high levels of process and be above corruption. Must principles, honesty accuracy, objectivity and fairness and integrity and public accountability is rooted in the mind and soul of the journalist. Since investigative journalism involves the use of sources of infiltration and advice anonymously, it is very necessary for a journalist to double check facts.

Investigative journalism is news with a difference. Necessary to investigate the event or policy that would prevent or correct an error, crime prevention, and save the planet from destruction, and shaping the future of the world in more than one title. It refers to the unknown, hidden, and so on, investigative journalist becomes the guard or the guardian of the public conscience.

This is one area that is believed to criticize the mere theory or suspicion becomes a statement of wrongdoing. It examines the actions and decisions and actions provides the lights and outrageous actions of men. In simple terms, investigative journalist community policies in the public interest to mankind.

Trying to define criminal law

Heard of the law everyday whether we realize it or not. It is in our government, in our work, and even in our homes. One type of criminal law is the law, and which is also known as the Penal Code. Is "a set of legislative and public dealing with crime and the legal punishment of criminal offenses."
In the context of criminal law, there are four major theories of criminal justice:
- Penalty
- Deterrence
- Miracles
- Rehabilitation

This form of law is essential in many cases because they can DISTINCTION between crimes of damages. Criminal law through the ages, and as we see the law to regulate the behavior of individuals and groups in relation to what is known as social norms. This differs between civil crimes, where the difference between two people and their individual rights and obligations under the law, which is on the society as a whole.

For example the civil law is a dispute between two people over the decade was done, for example, sell a car. In this case, a person believes that his human rights violation of fair sale by the other party. Where, in a criminal case, you have for example a murderer, counterfeit security that we all have. Given these examples, I'm sure you understand the importance of criminal law, and the important role they play in our communities.

Titanic Precautions

There have been many movies about the tragic story of the Titanic. The arrogance and ignorance present during its maiden voyage, the Titanic, which was a trip past.
And made several warnings, but unfortunately, not taken seriously the warnings. On April 14, 1912 Titanic received six warnings that were in the icy mountains surrounding them. On the night of April 14, Titanic hit an iceberg and sank to the bottom of the Atlantic Ocean.

For other entities, what happened to the Titanic does not happen to them. We learned a lot from the mistakes that made the Titanic.

There are many examples that follow and form a parallel to what happened to the Titanic and how an entity can learn from the mistakes of the Titanic.

1. Titanic was only 16 lifeboats, which was not enough to save everyone on the boat.

Only been used about 60% of the capacity of the entire lifeboats! "No company has a contingency plan in place? Being supported computers, particularly servers, up on a regular basis? Now being many backup servers on a daily basis, and sometimes around the clock.

When I was working in the Office of the support, this afternoon of our girls and was named "Queen backup" because he took all major server backup seriously. Society was very fortunate to have a "backup Queen" because there have been many instances where our main server crashed and lost information. Fortunately, information retrieval quick and painless due to the machine being backed up on a regular basis.

We were very lucky to have someone who took the initiative to manage server backups. Is this your company that lucky? Yes, you can do the backup be very boring. However, loss of important data can be very exciting, but in a negative way.

2. Not issued crew control tower, or "crow's nest", and binoculars to better search for icebergs.

Staff did not get the proper tools to use to do their job. The company using your own software for the job? Are you saving money to upgrade the operating system and software, but are losing customers? If you are losing customers, and you do not really save any money at all.

The right equipment can range from the very basic, such as issuing headphones compatible with the phone system to customer service representatives, to ensure that the backup generator can work well because of the power outage.

3. Jabbar had a total of watertight compartments 16. At first, it seemed so good, but unfortunately, each compartment did not hold itself. Each room looks like ice cube tray. Poured water flooded when the cabin, in the next compartment. Each room and did not seal completely from the water itself.

No company has a contingency plan in place a good recovery? If a fire or flood hit buildings, would you be able to resume normal activities within days or is it just a matter of months?

Send your information you have on the site off-site so you can place the last to reach your valuable information?

4. The Titanic Go full speed at night in iceberg-infested waters.

Your devices in your business running at 100% on an ongoing basis? Costing you stop at those machines need to be repaired? Are you really saving money by not buying more machines? It cost more machines exceeds the cost of the current stop on your computer?

5. Titanic did not heed the warnings of many icebergs.

Titanic iceberg warnings received six on the day it sank! Do you have a sales force, customer service and / or help desk really listen to your customers? Said Sam Walton, founder of Wal-Mart, the most important person in the organization can be one welcomes guests. Too many companies do not even realize how each person represents their company!

The competition is too much in the market have failed to respond to warnings. Industries such as telecommunications, cars, office supplies, and soft drinks, and a restaurant, this is the tip of the iceberg, it is worth taking seriously warnings. Some companies may not have the luxury of six warnings that the Titanic got. Sometimes, it can only be one warning break. This is why encouraging companies that do, and take seriously, customer feedback is valuable and can be a gold mine.

6. Defender Titanic illuminated white to signal for help.

Red is the color of the glow standard to be used to refer to help. When the sinking of the Titanic, and injured defender luminous white of the ship. And one or two ships many miles away say the white flares, but did not explain the white flares and warning messages.

Not your organization to use the appropriate means of communication? And ensure that all stakeholders understand what others are saying? Many groups within the organization speak completely different languages. Translations of sales, technology and management would also like to bring three different languages.

7. Pressure Bruce Ismay, president of White Star and Captain Smith unrealistic goals and dangerous.

Ismay wanted the Titanic to arrive in New York on Tuesday, April 16. To achieve this goal, the ship had to travel at full speed most of the time. Ismay enrollment proved to be dangerous because of the disappearance of the ship.

The level of Ismay was similar to the level of CEO. Is the CEO of your company and the rest of the management staff to set realistic goals? And the private managers to ensure two-way communication? Reactions necessary for the survival of any business because it is not participating in the many managers daily activities.

8. Wireless priorities of the two companies "do not focus on the priorities of the ship.

Most of the aristocrats in the first-class passage paid both operators bonuses to wire messages to New York. One of the main operators of the Titanic ship other says "shut up" after receiving a flood warning. Was a strong rebuke has cost thousands of lives.

Is this customer service makes every possible effort to maintain and get new customers? A customer service representative courteous and competent save thousands of dollars and the company can be more! I had the chance to experience the face of many of the leading exponents of customer service. I said many supervisors Czech I really appreciated their help and also fortunate to have such a representative is a big part of their team.

9. Not steel construction of the Titanic tested in cold weather.

The steel linings made in the early 20th century already fragile. Unfortunately, they have not been tested thoroughly hard to determine the stress level of the structure can withstand.

Being tested enough for your company's products? Are your models with the challenges of customer demand? Crash tests are way the company uses to the fullest extent?

How offend some people exploit patients pay interest ?

This article describes how some people abuse the benefit of sick leave in the workplace. I'll explain a few examples, and I came across these two years.
There are many people who are in the labor field, as if she worked sick leave is not paid. Should care about many of these people hear about happy workers who are paid even when they are sick, and operating system.

I have a friend who recently told me of a lady who works with. Sometimes it will work with a bad cold or cough really, really, when she should be home in bed. Going to work can affect individuals as with other germs, of course. They will be asked why they had come to work when they should be clear in the bed. Be replayed and they do not want to lose her life when she was sick with the disease. She might as well come to work and it is bad, it would not be fun at home, she says.

Treat these women the right patients and additional vacation days. Employers who do not know their position guess when I made the phone ill, it must be very ill, he will be fit and healthy.

Another example of the misuse of the system of recruitment of patients is a story I heard recently. The company was concerned about five percent of full-time employees in one of the buildings in sick a long time. The company then announced the closure of the building, which will include the entire staff is fired. While the Office will remain open for the next six months, however, the only people who have worked 90 percent of the period of six months to be able to severance pay full. The number of people who suddenly stopped having back pain and depression is surprising, and called it a miracle.

The Quickest Way to Get is to Give

This is true. You can not get what you really want in life until you have given to others. Does not seem like a lot of logical, is not it? How can you give what you do not? When you open your mind to the possibility and ask yourself, you allow the opportunity to come and knock on your door. Then find a way that you can give to others what you want, before you can get it yourself.
Seems almost like a chain letter and in a way it is. This message is a reference series Tarif where incurred a lot of us by the company and know that they are illegal tricks. However, the basic principles are: to give before receiving, and gives you faith and hope to obtain. An example can be seen similar in modern film "push them forward." By giving to others, you allow good things to happen to you. And it boils down to a simple law of attraction.

The Law of Attraction is like any other natural law, like gravity. Like gravity, it is not the only one who has been generally 'discovered' yet. As a result, most of us walk around thinking completely disordered model.

Models are displayed from disordered thought several times in history, and natural laws discoveries and observations of reality brought to transform myths accepted by the facts. You can think of many examples, such as the belief that the world is flat, or the belief that we are in the center of the universe. Or significant changes which resulted in the discovery of the power of electricity and the exploitation of natural energy.

Similarly, we are able to bring about change in our own thinking patterns disordered. Now is probably 99% of us are not satisfied. Means more dissatisfaction with life seeking through our expression, was blocked. Self-sabotage is a very real practical work in non-visible areas of the unconscious mind.

The good news is that there are a lot of simple, small but powerful that you can use to reprogram the unconscious mind that you Almighty, for your own life as you wish. Yes, there is a way to eliminate the chaos in your life, and starts from the inside. And start by eliminating the chaos often invisible in your own mind.

This technique of this article is only one of a wide range that you can use on a daily basis to improve your life dramatically. In this article you will learn how to use the Law of Attraction to attract what you want.

Law of Attraction, like gravity, is undefiable. To attract what you send. Real ideas in the world of attraction.

If your mind is an echo with patterns of stress, anxiety, anger, sadness, jealousy, sadness, or any other negative emotion, and will attract more of the same thing in your life.

One step you can take to change this is to focus on giving to others before they receive. In this way, you can change the vibration and your home. And open yourself to receive what were previously closed to you.

It is very easy to give. Give what you have, and everybody has something to give. We have all the innate value to offer the world. Philosophy is still the law of attraction is always to provide value-added, to give more value you receive money. In this way, you can continue to give more than you get and attract more life to yourself.

Take a moment to look inside and find something, anything, no matter how small or simple, to give everyone a friend or a stranger. Start exercising tender, and you take a step towards raising the level of vibration and improve the value of what you attract in your life. Dedicatedly give something today, knowing that it will hit you in your life through ten.

The ethics of child labor

From the comfort of their offices and luxurious treatments include five to six self-proclaimed non-governmental organizations denounce child labor as employees often rush a five star hotel to another, ultraportables 3000 $ and PDA in hand. Finer discrimination made by the ILO between "child labor" and "child labor" conveniently targets poor countries, while leaving its budget shareholders - in developed countries - off the hook.
Reports on the work surface for children periodically. Children crawling in mines, faces gray, body deformed. Graceful fingers for infants suffering from hunger weaving soccer balls for their more privileged counterparts in the United States. Together in sweatshops small numbers, working conditions can not be described. Everything is heartbreaking and has led to the industry is not so true activists and commentators chalets legal eagles, scholars and politicians sympathetic pushy.

We ask residents in Thailand and sub-Saharan Africa, Brazil, Morocco, and they'll tell you how we see this altruistic hyperactivity - with suspicion and resentment. According compelling arguments lurks project of trade protectionism, but they sincerely believe. Strict - and expensive - Provisions of the work and the environment in international treaties may be a ploy to fend off imports based on cheap labor and the competition they cause the well-nested domestic industries and their agents policies.

It is a matter of discontent, especially as the wealth of the West hypocritical and collected on the broken backs of slaves and children. 1900 census in the United States found that 18 percent of all children - were gainfully employed - nearly a million people in all. The Supreme Court ruled unconstitutional laws banning child labor in late 1916. Revoked this decision in 1941.

Publication of the report by the Government Accountability Office criticized last week that the Ministry of Labour enough attention to working conditions in manufacturing and mining industries in the United States, where many children still. Bureau of Labor Statistics pegs the number of working children aged 15-17 in the United States by 3.7 million people. I worked one in 16 of them in factories and construction. He died more than 600 adolescents accidents over the last ten years.

Child labor - let alone child prostitution, child soldiers, and child slavery - a phenomenon best avoided. But can not and should not be treated in isolation. Should not be subject to minor works to expel coverage. Work in the gold mines or fisheries of the Philippines hardly comparable to waiting tables in Nigeria or elsewhere, an American restaurant.

There are gradations and forms of child labor. Children should not be exposed to hazardous conditions, long working hours, and used as means of payment, physically punished accepted, or serve as sex slaves. This should not contribute to their parents and plant harvesting may be more questionable.

As noted in Miriam Wasserman "The elimination of child labor," published in the Federal West "regional review" in Boston, and the second quarter of 2000, it depends on "family income, education policy and production techniques and cultural norms. " About a quarter of children under -14 to all parts of the world are regular workers. This statistic masks enormous differences between regions like Africa (42 percent) and Latin America (17 percent).

In many languages ​​the poor, child labor is all that separates the family and the life that dominate the world and threatening, destitution. Child labor also significantly lower per capita income increases. Deprive the owners of these breads chance to lift themselves and their families are increasingly above malnutrition, disease and famine - is the height of hypocrisy is immoral.

Quoted "The Economist", a representative of the Association denounced Growers much bananas from Ecuador and Ecuador Minister of Labour, summarized the dilemma precisely: "It is not because they are under the age not mean that we should reject, they have the right to survive, you can not say they can not work, you must provide alternatives. '

Unfortunately, the controversy Laden, even with the emotions and selfish arguments that are often overlooked facts.

Protests conducted against stitched soccer balls for children in Pakistan for the transfer of workshops are Nike and Reebok. Thousands have lost their jobs, including countless women and 7000 of their progeny. Decreased by 20 per cent - and average household income - anyhow meager. Economists Drusilla Brown, Alan Deardorif and Robert Stern command with irony:

"While Baden Sports can take advantage of credibility not stitched footballs to children, and the transfer of production facilities undoubtedly did nothing for their former child workers and their families."

These examples are not lacking. Manufacturers - fearing legal reprisals and "reputation risks" (naming and shaming by NGOs overzealous) - Participation in a protective bag. German garment workshops fired 50,000 children in Bangladesh in 1993 in anticipation of the Children's Act U.S. has never labor legislation deterrence.

City Wasserstein, former Secretary of Labor Notes, Robert Reich:

"You can stop child labor without doing anything out less fortunate children, and they work out of necessity, and most of them, and prevent them from forcing them into prostitution or to work with ' other risks more personal, and the most important thing is to be in school and get an education to help them out of poverty. "

Contrary to the hype, and three quarters of all children work in agriculture and with their families. Less than 1 percent work in mining and another 2 percent in construction. Most other work in retail and services, including "personal services" - a euphemism for prostitution. UNICEF and the ILO are in the throes of creating school networks for child laborers and their families, while providing alternative employment opportunities.

But this is a drop in the ocean of neglect. Poor countries rarely proffer education on a regular basis for more than two-thirds of school-age children are eligible. This is especially true in rural areas where child labor is a scourge on a large scale. , Is an excessive luxury by many parents to intense pressure - Education - especially for women. In many cultures, work is still considered essential in the development of the child and moral strength of character and teaching in the business.

"The Economist" in detail:

"In Africa, children are usually dealing with adults MDs, from an early age every child will perform tasks at home, such as vacuuming or fetch water because it is common to see children working in shops or on the streets poor families often send a child over. wealth for a maid or what is in the hope that it will go to school. '

A solution recently gaining ground is to provide families in poor countries obtain loans secured by the future profits of their children in school. A penetrated the general public - the idea - first proposed by Jean-Marie mixture of the University of Namur and James A. Robinson From the University of California at Berkeley.

Even the World Bank has contributed a few studies, especially in June, "Child labor: the role of fluctuations in income and access to credit in the country," Rajeev Dehejia written by the NBER and Roberta Gatti Group Bank Development Research.

Abusive child labor abhorrent and must be prevented and eliminated. Must cancel all other forms gradually. Developing countries already produce millions of unemployed graduates a year - 100,000 in Morocco alone. Unemployment is endemic in some countries - such as Macedonia - more than a third of the workforce. Children may be treated harshly by their superiors at work, but at least they will not end up in the streets of more threat. Some kids even end up with a skill and are subject to employment.

The importance of doing business ethically

For most people, money makes the world go round and acts that have the money. And businessmen do anything maybe just to achieve the ultimate goal of a business is to earn income. Net profit or income means a fiscal surplus of sales or revenues after deducting costs and expenses. Whether you are involved in the occupation, business, profession or trade, and you're in business and speaks income. When you get an income tax you suffer, and the worst nightmare for all income earners. Income tax is punished good for doing business. Seems silly, but this is the reality, and you pay when you win. Because the tax legislative in nature, and non-compliance of these results to be crimes. And was this thing called income tax already billions of liars in the world. Some governments have imposed taxes that burden the already very workflow. Make other tax laws that are already beyond the capacity of taxpayers. However, should these facts does not lead to a huge number of dishonest people in the world.
Business Ethics in the presence of rare nowadays. Perhaps because most people, the benefit comes without the need to work ethic. I do not agree. Derived from the word ethics spirit of the Greek word, meaning "character" and customs Latin word which means "customs." According to Encyclopedia ethics is the branch of philosophy that defines what is good for the individual and society and determine the nature of the obligations or duties, that people themselves and need each other. Perhaps morality is not necessary to earn a profit if you declare a profit or income from money. But I say very, and the company is not only for the money. Yes, it really is for profit, but profit is not the only financial gain. We need profits that will not only keep our pockets or our stomach. Significantly, we also have benefits that will feed our hearts and our souls. Considering that we are business leaders, and should expand our minds to this principle. We need to make this work ethic high-value profits. We must ensure that the virtue of our character and the public interest.

Your business not only for the survival of life on Earth, but they can also be on your way to the survival of the soul. If you are in business, and was a business, and you can help your employees with salaries and other benefits that will be enough to make their lives better. You can be honest and pay your taxes precisely for the government that will eventually be used to develop your country. (Assuming your government is straight and not corrupt), but their minds, to be honest, not even some. We are talking here how to keep your life and soul to them. You can also serve customers by providing them with their needs and give them comfort. Customer Service is very important to your customers as important for your company to gain the public's trust and loyalty. If you are building infrastructure for your business, you can contribute to the development of your site in terms of buildings and infrastructure. When I got on ethics in the practice of fair trade competition. Fair business competition is a challenge for all companies to improve the quality of their products and services, and the interest of end-consumers.

Dealing with a clean conscience and dealing with a good night's sleep. It is also a pleasure to deal with your heart and soul. And will come to you gratitude and will become a businessman without stress if you are dealing with ethics. These other spiritual benefits come to you frankly and the good thing is that is not subject to tax on such income. As an extraordinary businessman, you do not know your long-term goals of 10 years or for life. You should also consider eternity and set goals to achieve profits that will benefit your soul. Need profits that last forever, and profits that would give us eternal life and happiness, and the benefits that will earn us the key to heaven. And these profits will benefit us in the short term and long mid-term, long-term and eternal as long as God is great from start to inexhaustible.

Doing business and believe in God. Building our business in the place of God is like a building in the rocks, which are the foundations of a large. Be kind and grateful to our employees as they are our best assets. Give them bread, and they will give us a pork sandwich. Have tremendous care for our customers because they are generators of our best returns. Give them a good price, high quality products and the best services, and they will give us their respect and loyalty. To be fair to our competitors because they are our motives. Give them a fair game, and it will give us the true meaning of victory. Grateful to our Father God Almighty as our most important trading partner. Let's use it and give us the joy and peace of mind.

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Everyone loves making lots of money quickly, working from home, and only doing a few hours a week. I spent the last two years trying to find an ideal way to do it. It is only in recent months, I have not found any "get rich quick" programs worth buying. I tried to make money online for a long time. I had a few small websites, but did not provide much more than a few hundred per month. The money was easy and does not require much work on my part, but I knew there were people out there who are better than me and I knew what I can do as well as.

Now, I've seen a lot of "get rich quick" programs. Most of these people make claims about earning $ 2000/day with Google or something crazy similar. Almost all of these people are complete liars. Even though they were $ 2000/day with Google AdSense, and I would have some high traffic websites with a lot of quality content. I know, because in every month, and I did not even offer half of what you promised to do every day with their programs. Maybe you've already been scammed by one of these fraudsters. Anyway, I finally got sick of what is proposed.

I decided to look through all the "get rich quick" programs I could find and see if there were any that were actually legitimate. I found that there are owners who sell their programs to more than $ 100, but the information can be found almost anywhere for them on the Internet for free. In addition, they all contain information about the date, you do not have e-mail support, no money back guarantee, and broken links in the downloads section.

In conclusion, almost all of the programs and found it quite useless. Owners know, but they do not care about their customers because they do not provide recovery policies! Amazingly, while looking through all the programs, I actually did find a few legitimate programs. Were run by ordinary people like you and me, and they found some good ways to make money at home by doing very little work.

I spent some time working with those programs, and my income is now ten times what it was before. These programs provide a large amount of great information on how to make extra money on your computer doing very little work. Provided many customers excellent comments and reviews for their products. Many of them have started to make money just days after buying!

Programs and an excellent price, and a group of writers paid staff who are dedicated to helping you or providing assistance if you need to. I must say I was surprised! If you decide to buy one of the programs listed below, I recommend you join quickly. Most of the owners tell me they receive a large number of sales and plan on raising prices in the near future, so order while even cheaper!

To your success on the Internet.

Slush Funds

According to David McClintick ("Swordfish: A True Story of Ambition, brutality, and betrayal"), in the late 1980s, the appointment of the Federal Bureau of Investigation and the Drug Enforcement Administration to establish fake companies to face the drug. They swarm in these fronts foreclosures money for drug-related companies.
The idea was to infiltrate global crime networks but a lot of money in the "Swordfish process" probably ended up in the wrong pockets. Government agents and mayors in mysterious circumstances rich business was liquidated and sad and dirty. GAO reported more than $ 3.6 billion in missing. This has resulted in a bit of history in at least one with a turnout of Oscar winner Halle Berry.

Unfortunately, funds are much less glamorous clay in reality. They usually involve dirty politicians, bankers and businessmen and shrewd Palestinians - rather than glamorous hackers and secret agents James Bondean.

Prime Minister of Kazakhstan, Imanghaliy Tasmaghambetov freely admitted on April 4, 2002, in support of his country's parliament and a fund of $ 1 billion slush. Been skimmed money from the proceeds of the Tengiz field vague. Handing it over to Kazakhstan - protested with a straight face - boosted inflation. Thus, remain the country's president, Nazarbaev, and funds abroad "for use in cases where a crisis or threat to security in Kazakhstan."

Money was used to pay pension arrears in 1997 and offset the negative effects of the devaluation of the ruble in 1998 Russian. The Prime Minister emphasized the remaining quoted by the National Fund assets $ 1.5 billion. Unfortunately, the original money in the Fund is due entirely to the last asset sale to Chevron Oil Company, and thus casting doubt on the official version.

And the National Fund in fact, by the transfer of one or two of slush fund - but at least one of these transfers occurred only 11 days after the revelations compelling. In addition, despite overwhelming evidence to the contrary, the prime minister denied that he had unperturbed his chair several bank accounts of millions of dollars abroad.

Later, where he abolished the last piece of disinformation. President, said: has no bank accounts abroad but will return immediately all the money in these accounts do not exist in Kazakhstan. These vehemently denied accounts, he speculated, was founded by opponents of the president "for the purpose of compromising his name".

April 15, 2002, until he was docile opposition enough of this fuzzy logic. Fund was created to monitor the oil people, now planning the financial system. Accounts for less than 7 percent of the proceeds from the sale of oil and gas ($ 4-5 billion annually), and payment of the national budget.

Slush funds infect every corner of the world, not just the more obscure and venal. All intelligence - Mossad and the CIA - operates outside the state budget stated. Black boxes are used for money laundering buddies shower, care, and bribe decision-makers. In some countries, and implementation is a criminal offense, according to the 1990 Convention on Laundering, Search, Seizure confiscation of the proceeds of crime. Other countries are more lenient.

Conference of Catholic Bishops issued in Papua New Guinea and the Solomon Islands, a press statement in November 2001 in which it welcomed the government's plans to abolish slush funds. They described the toxic effects of this practice:

"With some notable exceptions, has traditionally been channeling funds through politicians to projects area disastrous. He created an atmosphere of corruption which is supposed to have flourished. Fell responsibility of public servants, without reducing their numbers or costs. Has been used to confuse people into believing public funds are the "property" of individuals and not the property of the people, and honestly managed to some extent by the servants of the people.

Resulted in the concept of "slush funds" in the well-documented shortcomings and failures. There were accusations of money even held by some members as a means to force them to submit. Seems that the era of "black boxes" was a shameful period. '

But even most of the funds are managed orderly and legal are likely to be lost. "The Economist" reported recently about $ 10 billion class action suit against the Indians against the U.S. government. Money supposed to be managed in trust since 1880 on behalf of half a million beneficiaries, and "lost or stolen", according to officials.

Rob Gordon, director of the National Institute of wild accused "Interior Ministry U.S. (of) looting of private funds that have been established to pay for wildlife conservation and squandering money instead on administrative expenses dubious, and clay funds employee expenses moving."

Charles Griffin, deputy project manager of the Heritage Foundation, and safety of the charges, and the government:

"The federal budget provides numerous slush funds that can be used to support political lobbyists and special interest groups."

On the list of "Top Ten programs that actively support federal policy and lobbying" are: AmeriCorps community service program large employment, legal services, company address family planning X, the National Endowment for the Humanities, a program promoting the market, a large environment recruitment program, excellent training of workers, HHS luxury projects aging, organize contacts, and information. Infrastructure development assistance. These federal funds alone total $ 1.8 billion.

"Next" and "China Times" - joined later by "The Washington Post" - accused Former Taiwan president Lee Teng-hui, to create a fund worth $ 100 million fund clay abroad to collect information, influence peddling, and propaganda operations. Taiwan Travel introduced bills through the aid of the Congress and funded academic research and think tank conferences.

Japanese officials, among other things, had received secret payments through this website. He accused me of shooting $ 100,000 on a secret account in February 1999. Money was used to pay for the education of former Deputy Secretary of Defense Minister Masahiro Akiyama Japanese at Harvard University.

The involvement of Ryutaro Hashimoto, former Prime Minister of Japan, and one of the beneficiaries of the fund. The pressure was prestigious company, Cassidy & Associates and Assistant Secretaries variety of the Bush administration.

Worked Carl Ford, Jr., Assistant Secretary of State Intelligence and Research, Cassidy during the relevant period and often visited Taiwan. Estimated James Kelly, assistant secretary of state for East Asia and the Pacific and Taiwan's generosity. Both are responsible for formulating the policy of the United States in Taiwan.

John Bolton, Undersecretary of the Ministry of Foreign Affairs for arms control and international security Previously, admitted during his hearing, received $ 30,000 to cover the costs of writing research 3.

Taiwanese government did not deny the news stories.

Uses an official in the Ministry of Foreign Affairs of Japan money slush fund to finance activities outside the scope of marriage itself and a number of his colleagues - often in the luxury suites. But this was no exception. According to the Asahi Shimbun newspaper, kept more than half of people 60 from the Ministry of similar funds. Police and prosecutors and study. The arrest of the accused. Accounting Division discovered by the Ministry of these corrupt practices twenty years ago, but remained silent.

Even low-level provincial bureaucrats and teachers in Japan build slush funds falsifying business trips or packing invoices and receipts. Japanese citizens' groups conservatively estimated that fake $ 20 million in travel and entertainment in the provinces in 1994, a practice known as "shutcho Kara" (ie, empty business trip).

Council officials admitted Hokkaido education and a fund 100,000,000 ¥ confidential. Achieve a result, found 200 out of 286 schools to keep their own money clay. And used part of the money to support politicians favorable.

But money is not clay sovereign right. Multinational companies, banks and companies, religious organizations, political parties and non-governmental organizations and even some salt from the revenues and profits in undeclared accounts, usually in off-shore tax havens.

Secrets campaign funds are a fixture in the black American politics. Ticket 5 years requires disclosure of donors to these funds, but House now easing its provisions. "The Economist" in 2002, and a tsunami of scandals surrounding Germany, both major political parties, many of the rarest and many senior bureaucrats and medium enterprises. Secret, and party funds mainly, it appears that participation in most of these sordid affairs.

Italian companies provided donations to political parties through slush funds, though corporate donations - provided they are not transparent - are perfectly legal in Italy. And said the law, and to a lesser extent, the left in France, succeeded huge slush funds political.

President Chirac was accused after being abused for personal pleasure, such as municipal fund in Paris, where he was mayor. But not mostly used to provide party activists with money and fake jobs. Companies pay bribes to obtain public works or local building permit. In appearance, and pay for "consulting services" trumpet-l'oeil.

And B did not skipped even staid Ottawa. A senior official in one election and the media in September 2001 was "concerned" about the millions hidden away liberal candidates. Various ministers who coveted jobs Prime Minister raise funds in secret and probably illegal.

11 أبريل 2002 UPI reported that Spain's second largest bank Banco Bilbao Vizcaya Argentaria (BBVA), held nearly 200 million hidden in secret accounts abroad ", which have been used to manipulate politicians, pay a" tax revolt "of ETA - Basque terrorist - and open door for bargains, according to the media. "

Money has gone to luminaries such as Hugo Chavez in Venezuela, Peru, Alberto Fujomori and Vladimiro Montesinos. Bank board received fat, tax-free, "pensions" illegal accounts opened in 1987 - a total of more than $ 20 million.

've Worked through these funds and secret bank entities in the Cayman Islands and Jersey - Latin America drug money launderers - Puerto Rico to Colombia. The Spanish current Secretary of State for Treasury tax advisor between 1992-7 Bank.

And "Financial Times" reported in June 2000 .. After that further international action against corruption ", the leader in Europe in the weapons industry" using clay establishment of funds abroad. The money is intended to bribe foreign officials to win tenders and contracts.

Kim Woo Choong, former Daewoo, is at the center of a huge scandal involving tens of management of the company, and some of them ended up in jail. He is accused of converting huge clay Fund $ 20 billion abroad.

And believes that the $ 10 billion amazing to have been used to bribe officials and politicians Korean. But in his behavior and even the extent of the fraud committed perhaps typical of the relationship Korea after the war of incest between politics and business.

In his article entitled "The role of clay in the preparation of the mechanisms of corruption", driven by Transparency International (TI), Colombo knows Gerardo corporate slush funds as follows:

"The funds are from a company Blackberry financial and carefully managed so that the sums involved are not on the balance sheet. Need not consist of money, but it can also take the form of securities or other precious commodities economically (artwork, jewelry, yachts, etc.) It is enough to be used without difficulty or they can not be transferred to a third party.

If the fund is in the form of money, and it is not necessary to refer to the company's external auditor, as they can appear in the form of convincing (and "entitlements" for and often resorted to the heads to hide black money). In this context, it is not always a good idea to consider it as a reserve fund that has not been recorded in the books. And often resort to deception, deceit or fraud of various kinds for the purpose of creating a slush fund. "

The fake invoices, contracts upholstered fake loans, accrued interest on deposit accounts, back-to-back transactions with related entities (Enron) - used to direct all funds to mud. Often these funds are set to cover for illicit enrichment and illegal and embezzlement of public funds, or tax evasion.

Less well known is the role of these compounds cunning in financing unfair competitive practices, such as dumping. Customers, suppliers and partners to take advantage of discounts and hidden subsidies that far exceed - the actual cost of production - not reported.

Perhaps BBVA's payments ETA typical fee of protection. Put both terrorists and organized crime slush funds misuse. They are paid from these funds - and maintain their own country. Pay a ransom to the kidnappers flow often through these channels.

But the money is used mainly clay to bribe the corrupt politicians. The title fight against corruption against the beneficiaries of the illegal acts of generosity. But to be successful, goodwill international organizations such as the Organization for Economic Cooperation and Development FATF, must attack with equal enthusiasm of those wines. All fraudulent transactions is a political and a corrupt businessman scarce. Doomed pursuit of one while ignoring the other for the failure.

Sexual harassment training

One of the most important pieces of legislation in California, which came into force on 1 January 2005 and AB 1825. This law requires employers with 50 or more employees to provide two hours of training and education of sexual harassment to all supervisory staff by the end of 2005. It also provides that these employees receive training and education sexual harassment once every two years after January 1, 2006.
It is important to note that employees are not excluded temporary workers and the self-employed and employed outside the State of California in the score of 50 - employee. No doubt you count each employee before you decide this law does not apply to the Company.

Range of training:
Your company must be formed including sexual harassment "information and practical advice" on all laws against sexual harassment federal and state. Information should be provided include:
· Preventing harassment
· Harassment correct
· Remedies available to victims
· Practical examples aimed at preventing discrimination, harassment and retaliation

In addition, the Act provides that "coaches or teachers with the knowledge and expertise in the field of prevention of discrimination, harassment and retaliation" should provide training. In other words, you need to project identification in management training.

Should not be profit a dirty word in Material Handling

No one benefits when they are discarded profit of the economic equation.
With the economy improving, many people in dealing with the materials industry and expects the good times without having to make changes in how to do business. Unfortunately, this means that the quest for a particular practice that played a major role in the revitalization of the economy in trouble a few years ago.

Witnessed while and "dot-com" was flying high, and the rapid growth with the simple offer incredibly low prices and continued expansion in the markets in which they knew nothing. Operated at a loss for years on the head, promising investors that it would turn around when achieved enough of the market share. Finally, of course, this "lose a little on each transaction, but even in the size of the" business model exploded in his face. Popped balloons, one by one, and the economy followed in the tube.

In the material handling industry and this business model is still very prominent credibility. Also many companies have played the game of mergers, and get themselves involved in the markets because they do not know anything. Also played a lot of people to the numbers game, transfer money from one pocket to another to make themselves look good for the last quarter (and this is called shareholder value management) completely forgetting about long-term planning.

Worst of all, many companies have subscribed very idea of ​​abandoning the pursuit of market share in the benefits with the idea of ​​becoming profitable as soon as it is to eliminate competition. This is called "buying a job", which means trying to allow for-profit or very little. Theoretically, this has two advantages. It allows you to work, which makes your rotation (if this is not your earnings) are impressive. More importantly, for some people, and prevents competition at work.

But see below. Without benefits, you do not have the money to invest in capital expenditures in research and development, and so your growth is everything on paper, and disappear as soon run out of money to buy with jobs.

With small margins, you do not have the money or inclination to reform after the sale. The result is a dissatisfied customer, and it is never good news for the long-term prospects of your business.

Finally, I would say that you have a strategy to weaken the competition works, and your closest competitor went bankrupt. What's going on? Someone buys assets for 25 cents on the dollar and to open a new business. Since the initial investment was too low, can undermine your price. You do not eliminate competition, you have made things worse.

Profit is not a dirty word. No one - especially the customer - after the elimination of the profit benefits of the economic equation. I'm not saying that we should not look for savings that will allow us to keep prices low while maintaining a reasonable profit margin. Of course, the customers benefit from lower prices, but the economy in general and the sector in particular to deal with, and will be healthier if we all agree that want our fair share. If you are satisfied with a 3% profit, and I suggest you buy government bonds. It is safer.

Narcissism boards

Available to the authors of the recent spate of financial frauds in the United States with contempt for its employees and shareholders alike - not to mention other stakeholders. Psychologists often distant diagnosed as "malignant narcissistic patient."
Narcissists are driven by the need to uphold and maintain a false self - and construction concocted, grandiose, and demanding psychological model of narcissistic personality disorder. Expects false self in the world to win "narcissistic supply" - adulation, admiration, or even notoriety and infamy. Generally considered any interest in narcissistic is better than darkness.

The false self primarily with fantasies of perfection, grandeur, brilliance, infallibility, immunity, significance, omnipotence, omnipresence and knowledge. Be a narcissist is to be convinced of the destiny of a great, inevitable personal. Narcissistic and running with a perfect love, and built magnificent revolutionary theories and scientific, and composition or the creation or painting of the greatest works of art and the creation of a new school of thought and achieve fabulous wealth and the restructuring of the nation or block, and so on. Narcissistic not to set realistic goals for himself. Always occupied with fantasies of uniqueness, record breaking, or breathtaking achievements. Verbosity reflects this trend with him.

The truth is, of course, quite different, leading to a "gap greatness." Are not met the demands of achievements false narcissistic self, standing, wealth, prestige, sexual prowess, or knowledge. Narcissistic grandeur and a sense of right and equal, on an equal footing with its achievements.

To bridge the gap size, and malignant narcissists stations (Tuesday) shortcuts. This often leads to cheating.

Narcissist cares only match. What matters is the interface of wealth and social status that accompanies and narcissistic supply. Opulence Dennis Kozlowski Tyco disguised witness to. Media attention exacerbates dependence narcissistic and it is imperative to go to ever extreme and wild to ensure an uninterrupted supply from this source.

Narcissist lacks empathy - the ability to put oneself in the shoes of others. He does not recognize boundaries - personal, corporate, or legal. Is everything and everyone has a few tools, accessories, unconditionally and uncomplainingly available objects in his quest for narcissistic gratification.

This makes nonsense narcissistic exploitation. He uses, abuses, devalues, and discards even his loved ones in the most cooling mode. Narcissistic and value-driven, obsessed with the need to reduce anxiety and organize her sense of self chassis ensuring a steady supply of his drug - attention. Elimination of U.S. officials without remorse when they raided their employees' pension funds - as did Robert Maxwell a generation earlier in Britain.

Narcissistic convinced of his superiority - cerebral or physical. In his mind, he is paralyzed by Gulliver lot of narrow-minded and envious Lilliputians. The dotcom "new economy" was infested with "visions" with a contemptuous attitude towards the mundane: profits, business cycles, conservative economists and journalists doubtful, and analysts warn.

Even now, deep and fully aware of the narcissistic dependence on others - the attention and admiration and applause, and confirmation. He despises himself for being depends on this way. He hates people the same way a drug addict hates his pattern. He wants to "put in place", humiliate them, show them how inadequate and incomplete, it is compared to the royal ego and the little he craves or needs them.

Narcissistic himself regards as an expensive gift, a gift to his company, to his family, to his neighbors, to his colleagues, to his country. This belief in the importance of his money makes him feel entitled to special treatment, special privileges, and the results of the concessions, submission, immediate gratification, cringe, and indulgence. It also makes him feel immune to human laws and somehow divinely protected and insulated from the inevitable consequences of his deeds and misdeeds.

Narcissistic self-destruction plays the role of "bad guy" (or "bad girl"). But even in the traditional social roles cartoonishly exaggerated by narcissistic attention. Men are likely to emphasize intellect, power, aggression, money, or social status. Narcissistic women are likely to emphasize body, looks, charm, sexuality, feminine "traits", homemaking, children and child care.

Punish wayward narcissist is a veritable catch-22.

Imprisonment is useless as a deterrent if it leads not only to draw attention to the narcissist. Being famous is second best to being famous - and far better than being ignored. The only way to effectively punish a narcissist is to withhold narcissistic supply from him and thus to prevent him from becoming a notorious celebrity.

Given a sufficient amount of media exposure, book contracts, talk shows, lectures, and public attention - the narcissist may even consider horror in this whole affair to be emotionally rewarding. To the narcissist, freedom, wealth and social status, family, career - every means to an end. And the end is attention. He could care insurance to be the big bad wolf - the narcissist transforms itself into a single hesitation. Lord Archer, for example, seems to be a positive joy in the media circus provoked by his prison diary.

Narcissistic not victimize, plunder and other terrorist acts cold, calculating way. Done casually, as an expression of his true personality. To be truly "guilty" one must have the intention, to deliberate, to contemplate one options then choose one of the cases. Narcissistic not one of these.

And generates a sentence in a boil surprise, pain and anger. Narcissist stunned by society's insistence that he should be held accountable and punished accordingly. Feels wronged, baffled, injured, the victim of bias, discrimination and injustice. He rebels and rages.

It depends on the diffusion of magical thinking, the narcissist may feel besieged by the great powers and cosmic forces and intrinsically ominous. He may develop compulsive rituals to ward off this "bad", unwarranted, and the effects of persecution.

Narcissistic, often because of personal development are stunted child to participate in magical thinking. Feels omnipotent, that there is no such thing can be done if the check or in his mind. Seems omniscient - he rarely admits to ignorance and intuition and intellect fonts objective data.

Thus, we believe that meditation narcissistic arrogance is more important and more efficient (not to mention easier to accomplish) to obtain knowledge of the systematic study of outside sources of information, according to rigorous programs and tedious. Narcissists are "inspired" and they despise technocrats hampered.

To some extent, they feel omnipresent because they are famous or about to become famous or their products are manufactured or sold in the world. Immersed in delusions of grandeur, they firmly believe that their actions have - or will have - a significant impact not only their business, but their country, or even the human race. Having mastered the manipulation of the human environment - they are convinced that they will always "get away with it." Develop pride and a false sense of immunity.

Narcissistic immunity is the feeling (false), jackals narcissistic, it insensitive to the consequences of his actions, and it will not be done by it arises own decisions, opinions, beliefs, deeds and misdeeds, acts, the inaction, or membership of certain groups, it is perfect and punishment, that, magically, he is protected and be miraculously saved at the last moment. Thus, courage, simplicity and transparency of the fraud and corporate looting in 1990. Narcissists rarely bother to cover their tracks, it's so great disdain and conviction that they are above the law and people have enough money.

What are the sources of this realistic assessment of situations and events?

So the correct answer is childish violence and trauma. Not only sexual abuse or sexual harassment tobacco. Asphyxia, doting, pampering more indulgence, treating the child as an extension of the parent company, and not within the limits of the child, and by increasing the child with excessive expectations are also forms of ill- treatments.

Child reacts by constructing false self that has everything it takes to prevail: unlimited and readily available these authorities Harry Potter and wisdom. The false self, this Superman, is indifferent to abuse and punishment. In this way, child restraint real protection against the harsh reality of a child.

This artificial separation between low misfit (but not punishable) true self and punishable (but invulnerable) false self is an effective mechanism. It isolates the child from the unjust, the world emotionally unstable dangerous it occupies. But at the same time, promote a false sense of "nothing can happen to me, because I'm not there, I do not have to be punished, so I am immune to punishment ".

And also resulted in the comfort of false immunity of a narcissistic sense of law. In his grandiose delusions and narcissistic unique gift to humanity, fragile and precious object. In addition, each narcissist is convinced that this uniqueness is immediately distinctive - and it gives him special rights. Narcissist feels protected by a cosmological law relating to "endangered."

He is convinced that his future contribution to others - his firm, his country, humanity - and should not exempt it from the ordinary daily activities, tasks boring, repetitive tasks, personal effort, organizer and investment of resources and efforts, laws and regulations, social conventions, and so on.

Right to narcissistic "special treatment": high living standards and provide food continuously and directly to their needs, and eliminate any friction with the humdrum and the routine, and forgiveness of each track to capture his sins Quick and privileges (higher education, or in his encounters with bureaucracies, for instance). Repression, says the narcissist, is for ordinary people, which does not require a great loss to humanity.

And has exceptional capabilities narcissists seduce, convince, seduce and convince. Many of them are gifted orators and intellectually endowed. Many of them work in politics, media, business and fashion, the arts, medicine, or business, and serve as religious leaders.

Because of their position in society, charisma, or their ability to find a scapegoat does get an exemption because they many times. After repeatedly "I went with it" - to develop the theory of personal immunity, founded upon some kind of "system" cosmic community and even some people are above punishment.

But there are fourth and simple explanation. Narcissist lacks self-awareness. Divorced from his real self, unable to empathize (to understand what it is like to be someone else), unwilling to limit its actions to respond to the feelings and needs of others - a narcissist is in a constant state of dream.

To the narcissist, his life is unreal, like watching a movie unfold independently. Narcissist is a mere spectator, mildly interested, never to a large extent in some cases. Is it not "own" his actions. Therefore, we can not understand why they should be punished, is when it feels seriously injured.

Convinced that the narcissist is destined for great things - that he refuses to accept setbacks, failures and punishments. He considered temporary, and the results of someone else's errors, as part of the future mythology increase in power / brilliance / wealth / ideal love, etc. is punishable transform energy and valuable resources to the task of everyone important to accomplishing his mission in life.

Narcissist is satisfactory envious of people and believes that they are equally envious of him. It paranoia, ready, ready to ward off an imminent attack. A sentence to the narcissist is a major surprise and a nuisance but it also confirms a suspicion persecuted for it. A proven powerful forces arrayed against him.

He said that people, envious of his achievements and humiliated by him. It is a threat to the established order. When you need to pay for his sins, and narcissistic always disdainful and bitter and feels misunderstood by his followers.

Cookbooks, corporate fraud, bending the rules (GAAP or other), and the problems under the carpet spread, and more promising, making grandiose claims (the "vision thing") - are hallmarks of a narcissistic action. When social cues and norms encourage such behavior rather than bend - in other words, when such behavior abundance narcissistic sexy - and thus improve the style and become rigid and inflexible. Even when circumstances change, the narcissist finds it difficult to adapt, shed his actions, and replace it with a new one. And trapped in his past success. He becomes the fraudster.

But pathological narcissism is not an isolated phenomenon. Embedded in our contemporary culture. Western efforts to narcissistic civilization. Values ​​that defends narcissistic and punished alternative value systems. From a young age, children learn to avoid self-criticism, to deceive their capabilities and performance, to feel right, and exploitation of others.

As Lilian Katz said in his paper on the importance of "the distinction between self-esteem and narcissism: Implications for the application", published by the Information Centre of educational resources, is not clear in many cases, the line between promoting self-esteem and promote narcissism by teachers and parents.

As Christopher Lasch finger in a "culture of narcissism" and Theodore Millon in his books about personality disorders, in American society and narcissistic. Can be contentious across the maturity violin feeling. On the basis of these consumers false common and collective "I can do what I want and possess everything I desire if I apply myself to it" and the pathological envy it improves.

Not surprisingly, narcissistic disorders are more common among men than among women. This may be because narcissism compatible with patriarchal norms of society and the dominant spirit of capitalism. Ambition, achievements, hierarchy, ruthlessness, drive - both social values ​​and narcissistic male qualities. Speculated social thinkers such as Lasch above that modern American culture - a selfish - increases the incidence of narcissistic personality disorders.

Otto Kernberg, a senior researcher of personality disorders, confirmed Lasch's intuition: "Society can make serious psychological problems that exist in a certain percentage of the population, and it seems that, at least superficially appropriate. "

In "Personality Disorders in Modern Life" their book, Theodore Millon and Roger Davis state, as a matter of fact is that narcissism sick once the preserve of "goods and the rich" and that "it seems that gained fame in the late twentieth century. " Narcissism, according to them, may be associated with higher levels "of Maslow's hierarchy of needs ... Individuals in less fortunate countries .. are too busy trying (to survive) ... to be arrogant and grandiose. "

They - like Lasch before them - attribute pathological narcissism to "a society emphasizes individualism and self-gratification at the expense of society, namely the United States." Assert that the disorder is more common in certain professions with "star power" or respect. "Nobody in the culture, the narcissist is' God's gift to the world." In a collectivist society, the narcissist is a gift from God "to the collective. '

Millon quotes Warren and Caponi in "the role of culture in the development of narcissistic personality disorder in America, Japan and Denmark":

"Narcissistic determination for individual structures (in each community) ... are rather autonomous and independent ... (In collective cultures) narcissistic configurations of self ... We denote self-esteem derived from strong identification with the reputation and honor of the family, groups, and others in hierarchical relationships. '

However, there are Narcissists evil among subsistence farmers in Africa, nomads in the Sinai desert, day laborers in east Europe, and intellectuals and socialites in Manhattan. Malignant narcissism is dominated everyone and independent of culture and society. Certainly, although pathologically narcissistic and experience shows depends on the specifics of societies and cultures.

In some cultures, and encourage, and in some cases eliminated. In some communities, and directed against minorities - in other cases be considered to involve paranoia. In collectivist societies, it is expected to be placed on the collective, each community is characteristic of the individual.

After that, can be described as families, organizations, ethnic groups, churches, and entire nations, even as safely "narcissistic" or "egocentric satisfactory"? We can talk about "corporate culture of narcissism"?

Human populations - states, firms, households, institutions, political parties, cliques, bands - have a life and a character all their own. The Assembly or affiliation of the members, and a more cohesive and conformist dynamics within the group, and more or persecution many enemies, competitors, or adversaries, the more intense physical and emotional experience of individuals is composed of more Strong language and the language and history - perhaps more severe and confirmation flag common diseases.

This complete and comprehensive pathology that reflects the behavior of each member. It is characteristics - mental structure - though often implicit or latent. A explanatory and predictive powers. It is repetitive and constant - a pattern of behavior and emotions distorted perception confused stopped. And often vehemently denied.

Honesty in Business

What I want to talk about in this article is the basic idea of ​​honesty. The Internet is a wonderful place to do business, but with the continuing flood of spyware and spam and malware, it can be very frustrating and terrible for the average user. I am amazed, but not surprised, by unethical businesses that use pop-ups and spam to sell the product. It is not surprising, because the truth is that these business practices. Each and every one of us who have worked in this area for some time know that traffic is king.
It has been my experience that a sincere return to honesty when dealing with customers. Maybe this is not a quick buck, but I can look myself in the mirror in the morning and I know I did the right thing. What I'd rather fly a customer for life by selling the customer the night I was deceived in buying my product. It is not always sum to earn money. Should be on the service and the value of the product. Over the past two years, I have had many business computers that have been cleaned completely invaded from viruses, Trojans, spam, and I've done builds computer. The number one complaint is "I just want to be able to use my computer, do not worry about viruses, Trojans and updates!" You should take advantage of unethical business practices yes I do when I spend hours cleaning your computer. May I take the time to teach the user? You bet I do, I spend an hour to two hours with a client after cleaning or building a computer. Did I lose money with this practice Yes I do, but I earn the respect of clients and customers always come back.

The challenge of doing business online is that we do not always get to be face to face with our customers. Even so, there are ways to overcome these that bring value to your customer and the value of repeat business. It does not cost much and thank you for inviting someone to their business. It does not cost much to send a thank you card. I think we sometimes forget that e-mail is not the only means of communication. With the proliferation of spam, and they are not always the best way to connect to both. The Internet can be very personal. Morally difficult for all of us who are trying to sell product line or business. Is there a chance to reveal a lot with little return? This is always a chance we take when we offer advice or advice to the client. I can confirm that over time, spread rumors, and your business will develop a core group of customers who appreciate the service and tell others.

Being a small company challenge in the world of rhythm stores retail chain. We can not offer huge discounts for large chain stores can, but we can offer a valuable service for the product. I challenge anyone in the IT industry to take the time to teach users what to do and not to surf the web. It will be useful for the company and the client also.

And honesty has become a thing of the past?

And honesty becoming a thing of the past? Many people ask themselves this question as they scour the net that they need.
While the weak economy in the United States affect many people are constantly looking for alternative ways to solve this dilemma, including the Internet.

In a frantic quest to find the final solution, spend their hard earned money on "access to programs rich" only to find that the agreement they hope you do not deal at all.

With hope, dreams crushed and empty purse many people react. May go through a series of negative things to learn such as lack of confidence ... Maybe someone else for the rest of their lives. Others buy just resigned. While others think and say it works friends they ripped the hands of the viral load caused the crack, and give a bad name marketing.

Anyway we turn to these facts, we still come to the same conclusion. We must change our way of doing things and become more likely when the ethical performance of our business.

Honesty has a lot to do with any market, if it is not for any other reason, but to be able to continue working one. Second, it helps someone else to get what they need.

I remember a time when people put a lot of trust in the local dealer. Remember those days? Marketing is the most fair and give more consumers want to ... A new secret to long term success.

We also have the same power to require long-term success and help change what is happening in the department of marketing on the Internet! By claiming this power and make some changes, we can help to stimulate economic growth is necessary to overcome difficult times.

You can say to yourself, but I'm honest in my work. Maybe! There are still many marketers who use ethical marketing when selling their products. This is fine, but what about the ethics of these techniques password for future traders such as our affiliates, for example ... We teach honesty? What is marketing that seeks wisdom and JV with some veterans?

I know people who make money for several years say: "I tried to teach youth about marketing ethics, but they do not listen." That may be true. We can not develop weapons for anyone to get them to do the right thing.

However, we may be examples for them. Leave the ball in their court. Young people and learn from their mistakes. Without customers and funding in the future, and seek again the wisdom of veterans.

Then, and only then, and online marketing will be useful in economic growth can stand firm in all parts of the hardships suffered by each and every one of us.

If the person violates this section may be time to take a look at the overall picture of marketing.

Building confidence on the basis of honesty, especially when it comes to clients. It is a two way street ... Consumer gets what they paid, their hopes and flying high and their wallets more money to them so they can buy other things.

Marketing, on the other hand, gets a fashion designer repeat tell his / her friends, who tell their friends, and so on, make more money in the long term, while the large building lasting relationships a great reputation. To develop a layer of sugar on top, and it helps someone else.

So I think we need to ask these questions: Should we continue with this "Dog Eat Dog" attitude and eating dirt?

Or ... Pretend you the power of recent years and help change the mindset of consumers and lead us to make more profit where everyone is happy?

The choice is ours! I know what I do?

Gifts to attract consumers

The game surprises buried in cereal boxes or in bags of snacks popular marketing tactic for as long as the sale of goods in supermarkets package. Most people could have possibly imagined, not even Cracker Jack box inside without a price.
And not only gifts for children, and participated in adult long gifts incentives ranging from free tote with purchase makeup or perfume in store gift cards with $ 500 a new account at a local bank. All this is designed gifts to encourage the consumer to try brands and certain services.

Recognition of the power of free offers to drive consumer purchases, taken of direct NetFree LLC, a leading company in the field of online marketing, and the concept to the next level. Through the company's website, consumers can get a variety of prizes, including mobile phones, flat-screen TVs, laptops, and PlayStation for another game, and digital cameras, gift cards and more simply by completing surveys and registration of contributions Advertisers and free trial.

This site is sponsored by advertisers such as the famous BMG, Blockbuster, Netflix, Discover Card, today the United States of America, and Disney hundreds of others. Upon registration, customers are directed to a special area of ​​the site, where they can fill out surveys advertisers and to participate in subscriptions or free trials and sharing their own rewards. You can cancel or subscriptions from trials without obligation.

FBI raids: relevant or paranoid?

Always moving business faster than government ...
It is not surprising that legislators spend a lot of time to respond to progress in trade and science. It is not surprising that one of their favorite tactics is to use enforcement agencies to bring scrutiny against any topic on which they have difficulty understanding.

We see now is the application of these operations against at least two electronic money.

Saw one of them, or the INT, Texas-based FBI raided in December. Have not been arrested and has not been presented to indicate to detect the cause of their actions. Was mentioned that the care they have been used to investigate fraud in progress. We now have more than a month and nothing happened.

Around the same time, he was also the e-gold with a search warrant. Seems to be the justification would have been insignificant --- you do not need to 'Wanted' --- change License and angry enough to put the following on their website:

E-gold ® United States welcomes the government's consideration and placed the currency issued by the private sector January 20, 2006

"From mid-December 2005, and was one of the reserves of gold and silver, Inc. (G & SR), contractual Operator and the original dealer Gold-mail subject research has justified its premises and records, and was the local bank accounts frozen, and was the target of an attack, especially timing very misleading by major trade publication.

"In an emergency session of the U.S. District Court January 13, 2006, was raised freeze order on bank accounts G & SR. Much if criminal allegations in obtaining search warrants and seizure, and the government did not pursue these allegations and the claim is more than the assertion that G & SR worked as a currency exchange without obtaining the appropriate license. G & SR previously proposed for the government and the classification of e-gold for regulatory purposes as currency, which G & SR to register as a currency exchange. In a report published in Treasury January 11, 2006, however, confirmed the interpretation of the definitions and Treasury USC CFR currency and gold with the exception of e-mail.

Participation "G & SR, nearly a year with the agency and the Department of the Treasury in accordance with the examination BSA (Bank Secrecy Act) that he had voluntarily undertaken. G & SR, but preferring that the place was not a courtroom, welcomes the opportunity to expand its discussions with the government on how best to achieve the legal notice or regulatory e-gold, while continuing to gain share in e-gold market as a means of international trade.

"In spite of unfounded accusations and misleading advertising injury serious negative both e-gold and G & SR, and G & SR has continued to meet all financial obligations and continue the work completely. Or email also remains committed achieve its goal of bringing, for the first time in history, people do not have the financial means to different parts of the world, and secure payment mechanism at a fraction of the cost of any other system. d Gold messaging fully expects to transcend the unfortunate events of last month and the resumption of exponential growth.

"You can find more information at the following address:

Www.e-gold.com
www.omnipay.com
www.treas.gov/press/releases/reports/js3077_01112005_MLTA.pdf "

Proactive approach should be welcomed by e-gold. INT or should have done the same thing.

If more than one public knew how many research papers have been served both institutions, for one reason or another, and they were no doubt skeptical as I am about propaganda authorities gave their action against these corporate e-currency 2.

Examine how to move against the big banks when authorities suspected of wrongdoing. Another feature that quickly becomes apparent that the bulletins issued by the investigating authorities have always been very specific in nature, because the big banks have sufficient political and financial weight to respond to anything less than that.

Example of determining exactly is exceeded scandal Citigroup Private Bank in Tokyo in 2004. Japanese authorities said bank has not helped its customers through the manipulation of accounting records improper real estate transactions, to tackle tax refund to customers and mismanagement of customer personal information. As a result, Japan ordered Citigroup Private Banking close, but has taken steps to ensure that all affected investors affected by the minimum at which she moved their accounts.

Rarely, a total loss to depositors occur. Posted collapse of Silverado Charles Keating in the state of Colorado to prison for what should be a life sentence, and more people have lost their savings. It is interesting to note that this happened in what was to link undesirable scenario.

Raids do not receive mention when it serves the objectives of the authorities to do so. One reason for this is that the research and / or seizures do not yield sufficient results for charges should be filed. There can be no large surface Ramadi modern financial activities, and when you check into the finer details of a particular case, often, these activities can be sailed upwind legal, but did not atmosphere of reputation.

It remains to be seen what they are studying or INT. Instead of processing the large banks, it is the nature of the announcement of these raids authorities very vague, and I'm sure is by design. So, the question is one of them tried to stir. However, U.S. law says that the parties are innocent until proven guilty, so you should be duly granted this right. Until the whole story comes to light, it is not appropriate to throw defamation. After all, as is the case with most major banks in raids that go black, it is possible that the offender is not a business but a customer abused their privileges in the facilities of the

Survey e-currency is definitely a result in part of the frequency in a single government in how to organize e-currency within its borders when these currencies are not necessarily FIAT not residing within these limits.

It reminds me of the time at the beginning of the broadcast, when the authorities were at a loss on how to better cope with radio signals that obeyed the laws of physics, and therefore has the ability to cross the borders of the United States States without government permission. As ridiculous as it seems today, and I thought of a particular technology is more advanced than the benchmark fee policies and / or geographical area of ​​great concern for them. It took almost 15 years to the end of the day for the U.S. government to create the Federal Communications Commission to deal with such acts "Advanced" and interstate transmission.

Due to the fact that private mail is created and managed currency, and since any central control system is to help the organization, it is not surprising given the current environment of American laws are now forward autocratic interest to them. Even be able to determine the acceptance policy, the best thing to do is to take a self-righteous position in favor of "consumer protection" and appeal thrown through rationalization. It is not fair, in particular, but as we have seen in related online forums, it is very effective.

Ethics and leadership in business development

Over the past 25 years and work with some of the best business development in the power generation industry, and we found some unique characteristics that separate them from the rest. Not seem to matter what the organization in which they work, or services the customer base, or the economic climate. We find that these people are in fact the top 3% of workers in this field. In addition to learning to think like CEOs, presidents and business leaders from business development units, we discovered that they got on the behavioral characteristics of a leader. They learned how to set strategic objectives and operational plans, how to be visions and see opportunities for their organizations that others may be missing, and the role of business development, and mastered their core competencies 12, the standard for measuring leaders.
One of the most pressing definitions of the leader is the person who inspires just a desire to follow. Asked whether leaders are born or bred, and general consensus is that leadership can be learned. Very few of us have had the opportunity to formally trained or mentored in leadership, and we are all invited to be a leader in different times and circumstances of our lives. Driving for the first time about who you are as a person, not what you do, and the best description of the fundamental character and attribute of a leader. This is the part of the person who inspires others to follow, so we see a character as a sum of the principles of the individual and the core values ​​and beliefs that one can anchors and measure their behavior in all roles of life. Principles and values ​​the positive leader include loyalty, respect and integrity, courage, justice, honesty, duty, honor and commitment.

If the character is the sum of our principles and values, then morality is to apply them. For a better understanding of the evolution of the character, we can go to almost 2500 years to the writings of Aristotle in Nicomachean Ethics. Aristotle said that those acquired through practice moral virtue. Ethics, according to Aristotle, is the moral virtue that comes as a result of this habit. Of ethics to root ethike that formed a slight difference from the spirit of the word (usually). He pointed out that Aristotle's moral virtues do not arise in our nature, we must accept and embrace and perfect by habit. Leadership training emphasizes that understanding the values ​​and attributes leader is not only the first step in the development process. It must also include the leader of the values ​​and attributes of practice, to live up to become a habit.

The role of business development, and success requires a combination of us as individuals, with our principles, ethics and values ​​and their application. It is a unique combination of what we know, and how can we apply what we are doing.

Sources morally flowers

Flowers symbolize passion and can have a very beneficial effect on people. Are sent to convey her feelings to your loved ones. Would it not be better, even if people are able to buy with confidence sustainable and flowers are guaranteed by the moral to convey his feelings? After all, passion is a moral obligation, as well! However, buying sustainable, ethical and flowers is a specialized activity in the United Kingdom, with a small number of products that offer flowers really morally source.
To begin, a few figures:
The total market for cut flowers and plants in the UK at £ 2.2 billion and is expected to exceed £ 3 billion by the year 2011. Despite the inroads of alternatives, including mutiple chocolate gifts and wine, people say they are still with flowers, although the UK lags behind the rest of Europe in per capita spending for annual flowers.

There is a constant debate on industry standards for flowers, and consumers from historical symbols confuse moral quality. Submit the Kenya Flower Council, which represents a significant share of imports into the United Kingdom, through fair trade, which governs the Code of Conduct for more than 1,000 farms in Kenya, although only about 25 large farms that provide more 75% of Kenya's flower exports. Since its introduction in the flower industry in 1999, the trade fair a great job supporting more than 10,000 workers in developing countries, through the development of ethical standards to improve workplace. However, in the ensuing years grew big industry and the competitive landscape has changed. In particular, fair trade initiatives tend to work better in fragmented industries such as fruits and vegetables, which are filled with many small producers, but inferior in some industries more consistent, such as the flower industry. This is because fair trade initiatives could benefit disproportionately large organizations, and therefore damage effectively in the development of small producers in a competitive environment.

Fair flowers plants (FFP) is a European initiative to bridge the gaps of the historical city, creating equal opportunities for all producers by setting uniform global standards. A unique feature of FFP is to focus on a comprehensive audit of the supply chain to regulate the use of pesticides and environmental energy, land, and labor. In addition, it also offers the flexibility for florists buy their products two auctions or flowers directly from the growers through FFP compatible. This latter approach ensures the production of fresh flowers, and a reduction in losses of more satisfied customers (key!). In the long term, the objective is to unite all FFP existing standards to make it easier for traders, farmers and consumers.

As in all free markets, there is evidence of demand for consumer goods and stimulate the growth of supply. If nobody wants flowers FFP approved, they simply will not be cultivated. It is estimated that the trade sells just stalks 18100000 in the UK in 2005 so there are clearly people are willing to buy flowers from ethical sources. FFP is the challenge to enter the national consciousness when fair trade is already the de facto standard in the minds of most people. One thing most people want to hear is that approved FFP flowers usually cost no more than FFP flowers, to be a good egg is not necessary that the average effect in your pocket as well!

Ethical and religious considerations in physician-assisted suicide

None of us knows what will choose at the end of our lives on assisted suicide. Therefore, a worthy idea to think long before coming to this place at the end of our lives when we actually had to make one. In our lives, our souls path that is chosen for us if we seek. I encourage you to follow this. To the spiritual life is what brought life into the world, and spiritual life will lead you to the house.
Some terminally ill patients are so bad that they will end instead of going their suffering and a poor quality of life experience. Because of physical limitations or psychological, and people who are suffering to have a very different vision of life that people with good health. This view makes some choose some change over the care of the debilitating disease, may he or she is not even in a healthy state of being. He says many of the service providers that can be controlled from the pain terminally ill on acceptable levels of pain management with a good, but there are tens of millions of patients who do not have access to adequate pain management in the United States alone.

Think a lot of religious organizations that can be used to purify us suffering. This could be to refine care provider and the patient. There is a time to learn and know how the body becomes more spirit in the process of transformation associated with death and the dead. Christians believe that life is a gift from God, and God does not send us to experience, you can not control. Islam in the Quran: "Do not take life that made God's holy only through justice" and ". Since we did not create, and we do not have our bodies" Orthodox Jewish states "It's a matter of constitutional importance and cash moral speaks clearly Jewish tradition. We believe that the recognition of the right recognized in the Constitution to die for terminally ill is a clear statement against the recognition and the sanctity of human life .... '

Clearly religious influence that such a procedure is not like going out on his creator, and as such, the need for prayer and found the meaning of life and death should be in consultation with the clergy of the state religion. To replace such an effect be to take an independent individual beliefs that took him to what can be known religiously what can be known through them by the power that gave them life. It is here that patients choose a course of action station of the Spirit on track to exceed belief in their Creator (religiously), leading to active participation from the assessed values ​​(personal transformation), which includes religious influence, but is not limited to that, too.

Saturday, August 18, 2012

Corporate crime

Address:


Number of words:
421

Summary:
We want to reduce crime companies? Stop the exorbitant fines on large companies! There is a better way.


Keywords:



Body material:
Corporate crime? I'm not sure that there is such a thing. If we want to reduce the crimes that are given that lable, and we need to finish impose punitive fines for large companies. The idea is not radical as it sounds.

First of all, when I say that there is no such thing corporate crime, simply means that there are always individuals who commit crimes. With that in mind, you can imagine what is the best way for me to reduce this crime is: Go after the criminals!

Who pays the price of this crime companies? </ B>

Exactly who pays when a large company fined for violating the law? To begin with, and pay equity. Many of these are retirees of innocent people who have money invested with the company and had no idea they were violating the law. Then pay the workers with the loss of jobs, in the case of damage to the financial situation of the company through fines. Who does not pay? Only the criminals - individuals who have chosen to break the law.

And all crimes committed by people, not companies. When a company dumps toxins in the environment, has made a decision of the people to do this (or several people). Individuals make when a company steals from the retirement fund, or violate the rights of workers, those decisions. People commit crimes, companies, not companies.

If you want to stop crime, companies, and start placing individuals who are involved in this crime in prison. Our current system in many cases, company officers, which makes the cost / benefit calculations as to whether the profits from certain crimes are greater than what the fines when add up to. Although the laws are broken, and that it stands little chance of being held personally liable. Why do not we hold them responsible?

Fine for companies to cover the actual costs imposed on others from crime is appropriate. We have to clean up toxic messes, and in other cases, compensate those who suffer from damage. This also means that the shareholders have no reason to be cautious in the selection of those in the Board of Directors. However, the "punitive" fines silly unless it is enforced against individual criminals. Make the person who committed the crime pay the fine.

This is such a radical idea? I do not think so! By the way, and that you think is more likely to deter companies from officer to commit a crime, and a fine paid by the company, and so does not affect his salary, or ten years in prison? The answer to this gives us the answer to the crime of companies.