PPL Media Room

Saving For College in Tough Times

by Aleshia Altizer

A recent article on MSN takes a look at ways parents can safely raid their children’s college fund. With tough times still taking a toll on families and eating away savings accounts, some parents are beginning to look at their children’s college savings as a possible source of cash. After all, this is money that won’t be spent for some five, ten, or even fifteen years into the future.

There are a lot of factors to consider before getting into savings set aside for college. Tuition is already expensive and, with this economy, it could spike even more. According to MSN, when the average college student graduates, they are more than $20,000 in debt. So saving for college is so important.  Before you dip into that college savings fund, consider the Pre-Paid Legal Opportunity. It’s is a great opportunity to earn enough income to meet the bills and add to that college fund, too.

Watch out for scams targeting law giving cash back to car buyers

By Stacy Whelchel 

 
Thanks to a new federal law, you might be eligible for a government program that allows you to buy a new, fuel efficient vehicle when you trade in one that gets lower gas mileage. But be aware because scammers are trying to take advantage of the offer too. 

Recently, President Obama signed into law a program that the National Highway Transportation Safety Administration (NHTSA) calls the Car Allowance Rebate System (CARS). The program offers owners of older vehicles up to $4,500 to trade them for a brand-new vehicle.

A list of eligibility requirements and deadlines for the limited time program are available at http://www.cars.gov. 

According to an MSN story, even though the law is fairly new, scammers have already set up bogus “cash for clunker” websites asking for personal information to allegedly pre-register buyers for the program. Anyone who fills in the blanks will not be placed on the list for the first-come, first-serve bonuses and may, in fact, be a target of identity theft.

It all proves that taking precautions, like depending only on official websites or seeking the advice of a Provider Attorney, are extra smart steps to take no matter if it’s signing up for a government program or buying a new car.

It’s Time to Celebrate!

By Stacy Whelchel

Happy holidays to everyone in the United States and Canada! The first few days of July are always extra special because of two major historical days in each nation.
 
First up is Canada Day on July 1 to commemorate the same day in 1867 when the country became a self-governing nation. Likewise, in the United States, the Fourth of July is celebrated each year to mark the signing of the Declaration of Independence in 1776 and the birth of a sovereign country.

In both countries, the occasions, which include parades, fireworks and picnics, were born of a desire to enjoy freedom and independence. Like the forefathers of both nations, we still seek to be free to enjoy the rewards of life. Isn’t it great that Pre-Paid Legal makes it possible for you, as an Associate, to enjoy the freedom of building your business to reach whatever goals you desire?

$8,000 First-time Home Buyer Tax Credit

Listen to an informal conversation between Mr. Stonecipher and several Provider Law Firm members.  The topic of the conversation was the $8,000 First-time Home Buyer Tax Credit.  The information discussed on the call is interesting, timely, and urgent because this portion of the stimulus package is scheduled to expire on Dec. 1, 2009.

Windows Media    Real Media
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Tough Economic Times Even Hit Uncle Sam in the Pocketbook

By Stacy Whelchel

Many of us grew up believing that Social Security and Medicare would be there for our “golden years,” providing a dependable financial safety net. Later, we were told the two federal programs were in trouble, but expected to be in tact for decades.

Now that may not be so, according to a recent Associated Press story that warns the two government programs are wilting away faster than expected under the weight of the collapsing economy.

Who can you depend on to provide a solid financial future for yourself and your family? The more your residuals and renewal income with Pre-Paid Legal, the more your earning potential has the possibility of creating a solid nest egg for retirement. Take control of your financial destiny.

Pending Home Sales on the Rise

by Aleshia Altizer

According to a recent article on CNN Money.com, pending home sales are finally starting to rebound from record lows. Pending home sales are based on signed contracts, and are considered a forward-looking indicator because it can take weeks or even months for the home purchase to reach completion.

With the diminished economy, houses are more affordable than ever, and in addition, the $8,000 first-time home buyer tax credit is beginning to make an impact. With the tax credit many homebuyers who haven’t owned a home in the last three years, are able to claim up to $8,000 on their taxes. Check out the IRS website for more information.

So if you’re thinking about purchasing a home or know someone who is, remember the valuable services a Pre-Paid Legal Membership offers. Provider Attorneys are available to answer any questions you may have, and contract/document review is also included in the Membership (see a Member contract for details).

Directing Others to a New Career Path Can Be a Rewarding Opportunity

By Stacy Whelchel   

There is an old saying that as one door closes, another door opens. Such could be said about the ongoing recession and the decline in the job market – as positions are eliminated elsewhere, your company is still adding people to our ranks!

Can you imagine how frightening it is to lose a major source of income? Unfortunately, these days this is not an uncommon experience, as detailed in this MSNBC story following the new career paths of several people who had lost their jobs. In each case, they took unique perspectives when looking for fulfilling ways to earn a living and followed through to create new opportunities for themselves. 

As a Pre-Paid Legal Associate, you already know the answer to the question of how can someone can make a difference while making a living. Someone you know needs to hear this message of hope today. Who is it? Show them the opportunity today and open the door.

Beware of Scholarship Fraud

By Aleshia Altizer

Choosing a college and deciding on a major is one of the biggest decisions of a young person’s life. For many students preparing for college includes applying for financial aid and various scholarships. The Federal Trade Commission recently released a report concerning their efforts to combat scholarship and financial aid fraud. The report states that these scams typically promise the services offered will ensure students get a scholarship or more financial aid than they or their parents could acquire on their own, among other claims.

Some of these scams charge fees from between $50 to over $1,000, and in return the consumer gets few services, if any, to help them get financial aid.

No student wants to see their college dreams dashed over a fraudulent scholarship. It’s important to read all scholarship material very carefully before your son or daughter fills it out. If you see anything suspicious or have any questions, contact your Provider Law Firm for advice.

HAPPY ANNIVERSARY CANADA!

by Adam Huckeby

Ten years ago today I remember standing on stage in front of a packed room (standing room only) and snapping the photograph you see above.  Canada was officially OPEN - and with a "thumbs up" the people in that room announced their dedication and excitement for this incredible opportunity (wow was that was a loud room!).  I met people that day just starting out, who would become some of the most successful people in Pre-Paid Legal history.  It was a day of beginnings for so many people.

I've heard Pre-Paid Legal Founder, Harland Stonecipher say many times over the years that this business really can work for anyone.  He says this because he's seen it happen time and time and time again for so many people - even in economic down turns.  I've seen it too, and many of our Canadian Associates are a testament to that very philosophy.  In just my 10 short years with the company (and it does seem just like yesterday), I've seen people come on board, and in a relatively short period of time, achieve goals I would never have imagined they could achieve in a lifetime...all because of an opportunity that, like Mr. Stonecipher says, can work for anyone. 

Just as June 1999 was a new beginning for so many, June 2009 can be a new beginning for you or someone you know!  Celebrate this milestone event by introducing someone you know to an opportunity that could literally change their life - either with a new career, or simply helping with their weekly budget a bit - which we all know is no small thing in this economy.  And, when you celebrate this Canadian anniversary, remember that there were visionaries in that room - it took guts to jump into the unknown and blaze a trail, but they KNEW this was something big - and they have been, and continue to be, rewarded for their vision and dedication.  Today, we have a trail and a proven opportunity.  Do you have enough vision to start, and maybe even make this the best year you've ever had?

If you think times are tough and the opportunity isn't what it was ten years ago, consider this:  At our International Convention in Oklahoma City this year, we recognized someone at every single ring level that PPL offers!  That's the first time it had ever happened that way, and it was in the middle of a full-swing recession.  (And we continue to award rings every month!)  If you think opening Canada was a great opportunity (and you'd be right if you thought that), you haven't seen anything yet!  Stick around, rededicate to this opportunity, and perhaps sooner than you can even imagine, we may be writing about YOU!

Again, best wishes to our Canadian PPL Family.  Congratulations, and KEEP UP THE GREAT WORK!!!!

Summer is Officially Here!

 

Summer has arrived! June 21st marks the official start of the summer season, and many families will hit the road for a fun family trip. Whatever your plans are, make sure your Member card is in your wallet!

Media Report on Canadian 10 Year Anniversary

by George Snyder, PR Director

Saturday, June 20 marks the 10 Year Anniversary of Pre-Paid Legal Services in the Canadian market.  To promote this event, we issued a news release to news media in the U.S. and Canada.  To date, more than 180 print, broadcast and online media have posted the PPL 10th Anniversary release on their websites.  View the media distribution report.

Only Three Months until the Las Vegas Leadership Summit!

It’s an amazing event you won’t want to miss! The Las Vegas Leadership Summit is set for September 10-12. This action-packed three day event is full of educational and motivational messages from the company’s top Associates, the Pre-Paid Legal Marketing Team and other respected business affiliates. Receive valuable training and meet other Associates from across the country, all while enjoying the exciting Las Vegas Strip.

To register and reserve your room at the MGM Grand Hotel, log on to Associate’s Only. Remember: This will be Pre-Paid Legal’s Last Las Vegas Leadership Summit before moving to Dallas, TX in 2010.

To get just a tiny glimpse of how exciting the Las Vegas Leadership Summit is, click here to check out last year’s Media Room coverage with event photos.

 

Savings Bonds Paying 0.0%!

By Aleshia Altizer

While low interest rates are great for borrowers, it’s a different story for those who are trying to save money or live off their savings. MSN recently posted a story on Series I Savings Bonds paying 0.0%. These bonds were designed to offer inflation protection in the form of an inflation adjustment rate which is set twice a year based on the Consumer Price Index. The last inflation adjustment dropped the rate to 0%. According to the article, this pretty much wipes out any interest due from the index rate.

For anyone struggling to save in the midst of these low interest rates, there’s a great way to build up your savings account: Become a Pre-Paid Legal Independent Associate. Offer a service that people need right now, and you can opt to receive your commissions and overrides in the form of direct deposits straight to your checking or savings account.

NOTICE TO EXISTING ASSOCIATES: Free New Tool - Personalized Recruiting Commercials!

Log on to Associate’s Only and look in the Promotions and Updates box to see samples of both the 30 second and the 60 second TV ads. Simply purchase your ad time, submit your request, and you will receive your personalized television commercial (see Associates Only for details).

Higher Gas Prices Don’t Have to Cost You Summer Fun

10 Easy Tips to Save Gas
by Stacy Whelchel

We hope you have a great season of summer driving, no matter if it’s just around town prospecting or a road trip to a vacation destination.  As gas prices soar, don’t pack up your travel plans just yet. Start saving gas today with these suggestions:

• Stay within the posted speed limits. Gas mileage decreases rapidly at speeds above 60 miles per hour.
• Avoid unnecessary idling. This wastes fuel, costs you money, and pollutes the air. Turn off the engine if you anticipate waiting.
• Avoid jackrabbit starts and stops. You can improve in town gas mileage by up to 5 percent by driving “gently.”
• Use overdrive gears and cruise control when appropriate. These moves can improve fuel economy during highway driving.
• Keep your tries properly inflated and aligned. This step can improve your gas mileage up to three percent.
• Change your oil. Clean oil reduces wear caused by friction between moving parts and removes harmful substances in an engine.
• Check and replace air filters regularly. Replacing a clogged filter can increase gas mileage up to 10 percent.
• Remove junk from the trunk. An extra 100 pounds in a vehicle can reduce fuel economy up to two percent. 
• Combine errands. Several short trips from a cold start can use twice as much fuel as one trip covering the same distance when the engine is warm.
• Bus it, bike it or walk it. As nicer weather approaches, why not keep the car in the garage and explore a new transportation method?  

Source:  Federal Trade Commission, Saving Money at the Pump: A Bumper-to-Bumper Guide

Maybe There’s Something Else You Should Know

By Stacy Whelchel

Have you noticed how many Pre-Paid Legal training and meeting opportunities exist?

From weekly business briefings to specialty marketing training, the newly organized “Associates Only” website lists a multitude of opportunities for you to learn from, share with, and support fellow Associates in a variety of locations across the country.
  
Corporate events, trainings and weekly meetings are gold mines of information. It could benefit you in many ways to take the time today and explore the “Associates Only” web venue for an upcoming event near you. You could find a seat (and event) that meets your needs!

Quick Tip - Recruit to Recruit

by Aleshia Altizer

On the May 18th Leadership call, Independent Associate and Corporate Marketing Team member, Jeff Olson, gave a valuable recruiting tip! He advised that when you are preparing for a big PPL event, don’t recruit people to attend: Recruit to recruit!

Olson explained that you should start recruiting at least 2-3 weeks BEFORE a big Pre-Paid Legal event. This is a great way get people excited and ready to move fast in the company. What you are doing is helping your new recruit get their team started, all before the event! This way, your new recruit will have their own team with them verses going alone!

Data - a Hot Commodity

By Jamie Pittman

"Identity theft was the number one complaint category in the CSN for calendar year 2008 with 26% of the overall complaints. The Consumer Sentinel Network (CSN) is a secure online database of millions of consumer complaints available only to law enforcement. In addition to complaints to the FTC, the CSN also includes complaints filed with the Internet Crime Complaint Center, Better Business Bureaus, Canada’s Phone Busters, the U.S. Postal Inspection Service, the Identity Theft Assistance Center, and the National Fraud Information Center, among others.” Federal Trade Commission Released February 26, 2009

Identity theft can and does affect a large number of people every year. 

This article highlights how your information like many others has become a tradable commodity. Your information is out there, and remember...the thieves in question are not just those lurking in the shadows. All it takes is one dishonest person to wreck havoc on your credit report, financial, and/or medical accounts. It is prudent to ask questions, when being asked for your personal data.

It’s a Disaster; What Should You Do?

By Stacy Whelchel

Usually disasters are not planned events, but advance preparations can sometimes make things go smoother and cause less stress in the event of unexpected occurrences.

MSN Money recently published an interesting story on 9 ways to prepare for a disaster. Reading it, I noticed that many suggestions include areas where Pre-Paid Legal can be of assistance; making your advance wishes known if end-of-life issues develop, and protecting your property and loved ones with an executed Will.  

Pre-Paid Legal plans are all about having peace of mind knowing that whatever comes along there’s legal help available.

Insurance Loopholes Can Cost You

By Aleshia Altizer

The Early Show recently aired a segment on coverage gaps in Individual Health Plans. So many Americans who have lost their jobs are turning to individual-based health insurance plans after losing their company-provided plans. However, these individual plans can leave major loopholes that could end up costing thousands of dollars. 

Did you know that an insurance policy may cover the second day of a hospital stay but not the first?  Policies may differ on what they define as out-of-pocket expenses. For example: Co-pays or prescription medication (which you are paying for) may not be considered as "out-of-pocket expenses" on some policies. It can be tricky!  This report certainly highlights the benefit of having a lawyer review legal documents and advise you BEFORE you sign!