Travel Tips to Avoid Holiday Stress

Holiday get-together’s are always supposed to be wonderful, and to make it a reality it has to start with a relaxing travel experience. If you and your family have to travel to be with relatives for the holidays, it would be best if you can ensure that everyone will be comfortable during the journey in order for the wonderful holiday celebrations to start on the right path.Sometimes though it may not that easy to accomplish. That is why here are some suggested travel tips if you want a really stress-free holiday.If you are traveling by the road, here are the best tips that you can follow:· Do Not Rush
This is actually the golden rule. Even if you do not have much time for packing, try to take things slowly and try to not haste. Pack the night before you leave. If you pack earlier there is a good chance that you will have to unpack and pack again.· Give Time Allowance
Without the need to meet a flight schedule, you have more flexibility in time when driving to your destination. Still, a little allowance in time will give you a little breathing space. Time your journey well, include a few hours for meal stops, restroom stops and leg-stretching time.· Make Necessary Stops
No matter how time constricted you are, it is best if you can make those essential stops along the way. This is important especially if you have children with you. Kids tend to be bored and they start to whine after being cooped up inside a car for a few hours. Watch out for high-pitch voices or non-stop whining, stop before they drive you mad. It is better to be a little late to your destination than get there frustrated and psychologically challenged.· Entertain your Passengers
The beauty of traveling by car is that you can take breaks and entertain each other. You can sing and tell stories while on the move and no one is likely to complain.· Conflicts between Kids (or even adults)
Conflicts are unpreventable no matter how much you try. Sibling rivalry attacks anywhere and at anytime. The best thing to deal conflict that is building up between children is to side step. Do not shout back at them especially if they start pointing fingers. Keep your cool and tell them that if they cannot solve their differences it is best if they stop talking to each other. Finally, tell them – without sounding too threatening – that you are going to deal with them later. You will be surprised at how being cool and collected affects your kids.All in all, traveling for the holidays should not be too stressful; and even if it cannot be too peaceful, there are certain things that you can do to avoid getting too stressed out. You wouldn’t want to arrive at your destination feeling like you want to go home and cry, do you? So, chill out, smile and keep telling yourself that everything will be fine. Keep that positive attitude all throughout the journey and it will surely rub on to everyone with you.

There Is A Big Difference Between Landing A Job And Landing A Good Job

College students and their parents know the difference between landing a job and landing a good job. College leaders know too, but some help more than others.

When college seniors and recent grads obtain a “good” job, it means that the job:

- Holds great interest for the student

- Has opportunities to learn and grow

- Has opportunities for advancement

- Has career potential

- Pays a salary that enables a student to live independently

- Pays well enough for students to meet their expenses and loan obligations

- Utilizes some of what has been learned in college

- Justifies the time and expense of obtaining a college degree

- Makes family members proud of the student

However, too often, a student may have little choice but to accept a job that:

- Holds little or no interest for them

- Has few or no opportunities to learn and grow

- Has few or no opportunities for advancement

- Does not have career potential

- Does not pay a salary that enables them to live independently

- Doesn’t pay well enough for them to meet their expenses and loan obligations

- Utilizes little or none of the information learned in college

- Does not justify the time and expense of obtaining a college degree

- Causes friction between family members

To prevent large numbers of new college graduates from being forced to accept jobs that hold no interest and/or career potential and do not pay a living rate, students and colleges must work together.

1. Issues for which Students Are Responsible:

- Understanding what it takes to succeed in a competitive job market

- Knowing whether their Major leads to satisfactory employment opportunities

- Researching what it takes to attract their target employers

- Performing job search preparation activities during each semester of college

- Gaining some job-related work experience during the college years

- Building a list of impressive accomplishments by participating and getting results

- Building strong references by demonstrating character and performance over time

- Creating an impressive Resumé with their list of accomplishments and successes

- Practicing and perfecting their interviewing skills

- Building an effective employment network

- Recognizing that the competition for good jobs is stiff

- Mounting and conducting a strong and serious job search campaign

2. Concerned Colleges Help Their Students:

- Receive career education information and training

- Understand the employment process

- Figure out what it takes to succeed in a competitive job market

- Select majors that lead to satisfactory employment opportunities

- Prepare a personal plan of action for job search preparation activities

- Methodically gather the information and tools to be used for their job search

- Identify appropriate job-related work experience opportunities

- Identify activities that can result in impressive accomplishments

- Explain how to cultivate powerful and enthusiastic references

- Prepare an impressive resumé

- Gain and practice interviewing skills

- Learn how to network effectively

- Develop realistic expectations – Preparation, Hard Work & Disappointments, etc.

- Learn how to conduct an effective and comprehensive search for employment

- Realize that completing all of the steps above is four-year process that has

consequences, if it is ignored

“The job market for college students and recent graduates is seldom user friendly.”

The best college leaders recognize that landing a good job at graduation is of critical importance to students and their parents. They aggressively identify and implement systems and techniques that will make their students more successful in the job market.

It should be obvious to everyone that there is a big difference between landing a job and landing a good job. That is why prospective students and their parents should do their research and choose a college that is dedicated to helping (all) students do the things that will get them better prepared to succeed in the job market, as they move through each semester of college.

Strategic Marketing Using Digital Channels The Right Way

If you are looking to implement marketing from a strategic perspective in your company or business endeavour by making use of digital channels then it may well serve you to seek out some advice first. That’s some of what we set out to do here as we look to highlight some of the ins and outs of executing marketing in the digital age. There is more to digital marketing that ordinarily meets the eye as found in our consulting, devising and executing search engine and social media marketing campaigns.When a company is looking to [via its marketing personnel or use of third party agencies] market its products and services use the available digital marketing channels such as…
Video Marketing
Email Marketing
Search Engine Marketing
Social Media Marketing
Micro Blogging
… all of the activities will need to be carried out via specific digital marketing channels with a view to getting engagement from chosen target market sector clients.As an example of the statement made above; the decision could be made to use the social media marketing and to connect with clients using an associated advertising platform through which to serve up ads. Going through the process of crafting and executing specific ads necessitates that one understands who the target audience is that the business is concerned with so that time is not wasted running ads that will be ultimately shown up to people that are not interested in the related products or services that the company has to offer. Going through the targeting process will determine where one’s audience ‘hangs out’ so that when the message is seen it is relatively easier to consume [or be interacted with].When running ads within the social media marketing channel alongside that of publishing engaging and compelling content, connect, following and republishing others content. It is important to make sure that the ads are in fact related to target clients likes, interests and aspirations as this will affect click through rate, engagement and other factors that lead to the actual cost of running the ad itself.The content aspect of digital marketing is indeed a critical and foundational one as one piece of content can effectively be repurposed for use in various formats and on differing platforms and digital marketing channels. E.g. a well written article can be used as a blog post, then used as the basis for a podcast, this same piece of content can be developed into a video and then used to create multiple micro blogging content pieces. Each piece of content should be used within planned digital marketing channels in order to deliver the marketing message through to the intended market segments.With the world in which we live in becoming increasingly technology enabled; this is continuing to open up opportunities for marketers and business owners to present their message to clients found the world over. However it is important to execute correctly and to start with the right messages, next the most appropriate digital marketing channel [some of which are listed above] are used in order to put the marketing message in front of the right audience. In other words a targeted approach should used as opposed to a shotgun spray and hope approach.At the end of the day digital marketing is still a subset of marketing and it itself has its own set of sub digital marketing channels. The strategic digital marketing approach is strongly recommended as when adhered to and the results start coming in, one will understand why it’s important to continue to adopt this approach to business promotion.

Wildlife Digital Photography – The Hunt, The Shoot, The Thrills

Another great way to experience fun is through photographing wildlife for your digital photography collections. Not only will you have the chance to photograph some really amazing landscape shots you will experience the best feeling in the world when you are photographing wildlife. Some of the photographs you can create from this will just be mind blowing. It’s not everyday you get to look right into the eye of nature itself. You will have the ability to create some of the most amazing digital photographs ever as long as you have all of your equipment on hand and plenty of time to sit around and wait it out. Wait for that right moment. Patience is a must when photographing wildlife.Keep in mind while photographing wildlife that you just have to use some common sense that God gave you. OK? Don’t do anything stupid that could put your life in any kind of danger. There are many dangerous creatures out there but most of them will not attack unless they are bothered or feel threatened in any way. As long as you follow some simple rules of photographing wildlife then you should be able to get your photographs taken and leave in peace, not harming yourself or the wildlife in which you are photographing.Waiting is something you had better be prepared to do when photographing wildlife. You will have to wait for them to come to you or for them to give you something worth photographing. You can’t make them pose, it doesn’t work that way in the wildlife. They may know you are there but they will go out of there way any chance they get to make sure you won’t get the right photograph. If you are quiet enough and patient enough they will forget about you for awhile and that’s when you have the chance of a lifetime to get that shot of the wildlife that you have been waiting for.If you ever come up on an animal and her offspring, be weary please. The momma will come out in her real quick if she thinks for one minute that you are putting her babies in any kind of danger. These are moments where bad things could happen. Mothers are very protective of their babies and one quick movement or loud sounds could put you and others in serious danger. Be very calm and quiet when photographing a mother and her little ones. It can work, you just have to be extra careful doing these kinds of photographing.When photographing wildlife keep in mind that you should never for any reason get in their space. This could create a dangerous situation for you and everyone around. This is supposed to be something fun, you don’t want it to turn into a nightmare and it has for many photographers.With digital photography you will have the chance to capture some amazing photographic moments. Take advantage of these moments and when photographing wildlife keep in mind that it’s like photographing anything or anyone else. There are basic rules that you will have to keep in mind so that your digital photography experience is a good one, a memorable one.

Understanding the Financial Implications of New Automotive Marketing Methods

Why is it that we as a modern society are so eager to sign our way into any number of financial contracts without truly understanding the financial implications of what we are signing? Now big business knows this and it is used extensively to make deals look more attractive to us, especially when it comes to the area of automotive marketing.Vehicle dealerships and companies roll millions of dollars every year into their automotive marketing strategies and for good reason, the better they can make the deal sound for the client, the easier they are able to make a sale of their highly priced product which comes in the form of the vehicles which we drive every day.By not taking the time and effort to actually invest in yourself and find out how the structuring of all of these fancy deals and financing options work, you are lining yourself up to fall prey to the automotive marketing machine and at the end of the day this could end up costing you a whole lot more than you are led to believe.By taking the time to actually understand the structuring of these flashy deals and no deposit offers, you stand to save yourself a lot of money and interest payments when you purchase a new or used vehicle. Take the time to sit down, understand what you are signing and do the calculations, you might just be in for a shock.Many new methods of automotive marketing are specially designed by marketing experts to make it seem as if the automotive dealer is trying to create the best possible deal for you with the easiest payment terms, but when you actually go and do the math you find that they are making far more out of you in the long run and you are definitely losing financially.

Planning to Revamp or Replace Your Kitchen?

A kitchen is nearly always the most functional most widely used room in your house and therefore it is essential to undertake careful planning when you start to think about major alterations to it.Kitchens are found in rooms that vary enormously in shape and size and the kitchen itself can have many looks and differences of style and functionality. Therefore when you are looking to make changes it is a good idea to find someone with experience of the many variations available – not only in layout, but in design, in material and in style. If your house is older with quirks of wonky walls and sloping ceilings expertise in these areas is also vitally important.Ensure that you work with someone who will listen to you r ideas – you may not be the expert on fitting but you are the ones who will be spending the time in the kitchen and ultimately it must be a place you want to be in and which works for you. However, be prepared to listen as well, if you have chosen to work with someone with lots of experience then take advantage of their expertise and ask them for ideas and suggestions – can they improve on your own ideas?The project of installing a new or revamped kitchen will need to be carefully managed as it involves the need for many trades and experiences and having a steady, experienced hand that can advise and guide in all areas and bring them together to work in harmony for you will be invaluable in avoiding costly mistakes and frustrating delays. Ensure your dealings are with reputable companies who can provide references and who themselves only work with other trades who have the necessary credentials and registrations.Ensure that you have planned for all details and eventualities. In order to obtain the maximum benefit from what will undoubtedly be a significant outlay from your household budget you should ensure you receive a full written detailed quotation which shows a breakdown of everything that is included as this allows you to see what is of equal importance – items that are not included. Be wary of gimmicks offering huge discounts or massive price reductions – these have to be paid for somehow and can often come at the price of quality.Don’t overlook cabinets when buying a new kitchen. It’s so easy to concentrate on the appliances and white goods but your cabinets are actually the critical foundations of your kitchen. Spending money on cabinets that are custom made to a very high quality will reap benefits in the long term durability and value of your kitchen; as well as looking great your kitchen will last the test of time. Brand new cabinets can be fitted with the most versatile internal systems to make the most of the way you use your kitchen and ensure great functionality.In short, don’t rush into hasty decisions, take the time to look around for experienced professionals in the area who can guide and look after you – it will be time and money well spent as kitchen improvements can significantly increase the value of your property.

Patio Stone Designs – Which Type is Best Suited For You?

Fortunately, there are many variations of patio stone designs. Since there are so many selections, the hardest part of the homeowner is to choose the right one among so many designs.Surely, traditional sort of brick pavers can look great. They almost always feature classic designs, which add some charm into all kinds of patio. But you can always get something a little better than those traditional brick pavers. Fortunately, there are lots of choices that you can decide from. Here are some ideas on patio stone designs… Enjoy!Paving stones – Those stones generally come in 2 color choices. The first one is red brick, while the second one is gray. They are solid as well as durable. They can be easily cut for fitting virtually all shapes and design items of the patio.Flagstone – They are large sized flat stones, which come various colors (e.g. chocolate brown, deep blue or neutral beige). Such stones can add nice and natural look into your patio. Moreover, they can add a great and natural look into it.Tumbled stone – Such stones can come in a wide selection of shapes or sizes. Moreover, they feature rounded edges.Fieldstone – They can come in all natural and neutral tones. In addition, they feature excellent textures, which supplies some design interests. When you desire a patio design blending with some natural looking landscape, you should definitely go for fieldstone designs.Different Designs and Layouts The kind of special patio stone designs or layouts you are considering might be solely limited by just your own imagination. But the fact is, when you have chosen a very complicated design and currently have no experience of building patios, you might find your design somewhat bound by your skill levels too. That is pretty much okay, since you only need to take some extra time to get some support in the building procedure.You might want to build an oval patio, or perhaps a square one. Some people even end up designing octagonal patios. No matter what your choices are, you could consider the following choices regarding patio stone designs.
Pacific Paving Stone – They have huge online gallery of great looking backyard patios and walkways or pool decks.
Pro Scape Rocks – Here is another online venture showcasing photos of patios, which are broken down and apart to show you different parts of the total cost. They can be of great use, when you are under tight budget or considering building your patio under well controlled budgets.
McKinney Landscaping – They feature great and innovative ideas for your unique patio design.You get the total idea right? Now you need to get some idea about laying out some exotic patio stone design. When you have chosen ideal stones for the patio, you need to make the sketch. Just start with the sketch of your design. Take in the dimensions of the total length as well as width of that patio.Additionally, the measurement of each and every stone must be taken beforehand. Do not depend on your memory. This is especially true when you have got people who will help you around. Everybody isn’t going to know what you are seeing within your head. If you keep seriously consider these ideas on patio stone designs, you are one step ahead.

3 Lazy Ways To Make Money Online

Okay I get it. You’re lazy. Not only are you lazy, you’re ridiculously lazy but you want to make some money. So I’m going to go over what I found to be literally the laziest methods to making real money online that actually works. So follow along. We’re going to go over3 lazy methods to make money online.Let’s focus on how you can be super lazy and make money online. So the first method is kind of an obvious one which is taking surveys, okay? Just sit around and basically fill out you know, answer personal questions about stuff, a really simple site that you can actually start taking surveys on.It’s through Amazon. So if you see on Amazon, there’s a lot of different jobs that you can do to make money online. They don’t pay all that much. They’re very simple, basic tasks you can… You know like spot objects in image and it will pay 30 cents. I mean it can’t get more lazy than that. You’re just spotting objects images to see what’s going on there. That sounds super lazy. So here’s another basic, lazy task you can do which you know you can describe a fact.Describe a fact and you get paid 20 cents, 3000 people have done this already. They give you instructions on how to do these things. So pretty lazy stuff. Again, these are basic tasks. You don’t get paid much for but you can make a couple bucks an hour doing this and just be totally lazy sitting out, mind numbed at your computer.Let’s go over a second lazy thing. So playing video games is another super lazy task that really requires very little thought time or money to do.And the way you would make money if you’re just going to play video games is you actually want a live stream yourself, okay? You’d want to livestream yourself on Twitch and you can make donations from people. So go to and here you see you can play poker on Twitch as well but a lot of people watch for Fortnite.You know Fortnite is the popular thing. And as you see, there’s some of the big, big people have thousands, thousands of people watching them play video games. Now to become big on you know twitch or any of these platforms, YouTube, YouTube live stream, you have to be lazy consistently you know.So that is the kind of annoying part is you have to consistently be lazy and just play video games and livestream yourself or else, you won’t get an audience and you know, the more animated you are the better but if you’re just a couch slob and you’re doing nothing, unless you’re a super hot chick wearing some really cute anime type gear, you’re not going to get a lot of viewers. Again, like all of this stuff, there are ways to be effectively lazy but playing video games online at least gives you the opportunity to get people to donate or ad revenue on twitch TV.So the third way to make money online being super lazy, just play poker. Play low stakes poker. Screw it. You know you could play poker online. Obviously, you can make money playing poker in real life but you could also lose money too and what I’m going to show you is just a super simple way of making money playing poker without really any chance of losing. And that would be to actually be an affiliate marketer for poker programs and livestream on YouTube. You can live stream on YouTube just like you do on Twitch.So you see poker party millions you can live stream yourself playing poker. And how you would make money, you could make money on Twitch through ads but what I’m going to show you is more effective way is live stream on YouTube. I don’t see many people doing this and I actually think this would be really effective. I don’t know why people don’t do this. But you’ll see right here is that you can get people to sign up to play poker online themselves and this company 888poker has paid out over $207,700,000 to affiliate marketers who have referred new players.You know, you can get anywhere from a 100 to $250 per player that signs up to play poker on 888poker. So it’s almost like they’re a sponsor of you playing poker but on a performance basis. And look at that money figure. That is a big, beautiful number right there. So really easy way play poker online and refer other people to play poker online as well.there you have it 3 Easy, lazy way to make money online. Sorry took a little long with that last example. But I hope this was informative, 3 super lazy ways to make money online. Again, if you don’t want to put in a lot of time, thought or money, I just gave you 3 super easy ways to get started.

Future Visions of the Auto Industry and Automotive Advertising Based on What Was and What Is

Auto industry social networks all have different rules and protocols to create their unique identities in the auto industry and the inter-dependent automotive advertising industry. While there are differences in format, content and contributors they share the common goal to educate their community members by sharing best practices and insights with the concept that a rising tide floats all boats. To provide clarity and share my vision of the future of the retail auto industry and automotive advertising it must be framed it in the context of our changing geo-political and economic environment. Once the foundation of today is built on the broad picture of our world economy and politic, then the role of the Internet and related technologies can be applied to the one constant that we can all depend on — human nature — to help define tomorrow as I see it.Any competitive business model must be built to accommodate tomorrow as well as today. Today is obvious. Sales volume, profit margins and inventory are down across all brands. Consumer confidence is falling as unemployment is rising even in the face of the expected temporary increase when the million plus census workers and various government employees — such as the sixteen thousand IRS agents to police our new health care system — are artificially added to the equation. Wholesale and retail credit lines are restricted by both natural business cycles and government intervention. Our economy is directly linked to the world economy along both monetary and political lines and the United States as well as our European trading partners are faced with excessive debt and unstable monetary systems. Our monetization of our debt — basically the fact that we loaned ourselves the money we needed to fund our growing debt by printing more money, since no one else would lend it to us — has insured the inevitable inflation of our dollar or some similar correction to our monetary system. This anticipated correction is already supported when observing the situation maturing in Greece, Portugal, Spain and other European Countries tied to the Euro and the International Monetary Fund, (IMF). No one has a crystal ball, so the only way to plan for tomorrow is to recap today’s critical issues that didn’t exist yesterday. It is these changes in — what was — vs. — what is — that will likely define — what will be and the actions that auto dealers and automotive advertising agencies must take to remain profitable and competitive in unchartered waters.The current administration was voted in on a platform of hope and change with the expectation that the promised transformation of America would take place within the confines of our constitution and in consideration of our established belief in a free marketplace. The redistribution of wealth was understood by most to reflect the giving nature of the American people as a moral and sharing society. Unfortunately, the transformation began in ways that could not have been imagined by the majority that voted for it with an agenda that is only now coming to light. The inherited financial burdens on our banking system that justified the need for change were matured across Republican and Democratic party lines — as evidenced by the contributions of Fannie May and Freddie Mac to our mortgage crisis and the preferred treatment enjoyed by the unions, Goldman Sachs, AIG and other entities on Wall Street supported by the progressive political movement that is represented within both parties.By way of disclaimer, I recognize that approximately 30% of our population believes in the collective — We the people — and the associated movement for the — workers of the world to unite — vs. the framers of the constitution that defined it as the individual — We The People — and the rights of the individual as a contributing member of the whole. That said, as the President has clearly stated, elections have consequences and I will attempt to limit my comments and future visions to only those actions that have or will have a direct impact on the auto industry and the automotive advertising agencies that are engaged to serve it.The empowerment of the unions in the formation of Government Motors is already impacting the marketplace even while it is being challenged in the courts. The mandated consolidation of the retail distribution channels for General Motors and Chrysler preserved the interest of the unions over the guaranteed bond holders and independent dealers contrary to established rules of law. This precedence diluted expectations of both investors and corporations to rely on binding contracts and individual rights in favor of the collective we that our evolving society is expected to serve. Recent adjustments to the language in a variety of Federal powers have impacted previously accepted State and individual rights which must also be considered when projecting the future of the auto industry and automotive advertising — if not our country as a whole.For example, the change in the definition of eminent domain from taking personal property — for public use — to the new definition — for public good — has already resulted in private and commercial property being taken at distressed market values and given to other individuals that promised a higher tax base to the governing authority based on their position that the additional tax revenue was for the public good. Similarly, the ownership of water rights in the United States has been changed from the previous Federal ownership of all — navigable waterways — to include — all waterways — such as ponds, surface streams and basically any water that the government determines can be used for the public good. The potential impact on the farming industry and our food supplies evidence a shift in government control of society that must be considered when projecting the future of any industry — including our beloved auto industry.Given the government takeover of the banking industry, General Motors, Chrysler, Health Care and Student Loans that are now part of our history, the point becomes self evident. These single word changes and government takeover of entire industries for the public good dilute individual and corporate rights in favor of the rights of the collective. This is a basic step in the process of redistributing the wealth in accordance with Socialistic and Marxist principles. I am not judging the validity of any of these differing political philosophies since it would risk my ability to remain unbiased in my evaluation of present and pending opportunities in the auto industry. My intent is not to defend our previous constitutional republic over the shift to a Socialistic or Marxist democratic society, but rather to apply them when preparing a business model moving forward for my auto dealer / vendor clients and affiliated automotive advertising agencies.For example, the recess appointment of Craig Becker as member of the five seat body of the National Labor Relations Board, (NLRB), suggests the intent of the administration to resume its push for the Card Check Regulation that is designed to facilitate unionizing all businesses in the United States. Recess appointments are an accepted practice used by previous administrations to bypass the Congress and the Senate to fill cabinet positions with individuals that are often blocked by partisan agendas. However, Mr. Becker was challenged in a bi-partisan manner based on his role as a senior attorney for the Unions including the CIO and the Service Employees International Union, (S.E.I.U), just before his appointment. The NLRB decides cases involving workers’ rights which directly impacts larger issues between Democrats and their labor allies vs. stated Republican party interests and those of the corporate world When coupled with the intent of Card Check regulation to eliminate the right of workers to a private vote to determine if a business can be unionized, the likelihood that retail auto dealerships will be forced to become union shops becomes a real possibility. The regulation also allows the government to intervene in the event that an employer challenges a union take over with a Federal administrator enforcing the union proposals as to wage and other terms and conditions of employment pending a final determination. Based on reduced sales volume, profit margins and increased costs of doing business the inevitability of these privately held dealerships collapsing under the financial weight of union demands is painfully obvious to any auto dealer that understands his cost of sales line items and their impact on his shrinking bottom line.Similarly, the administration’s success in manipulating the processes in the Congress to pass its version of Health Care reform will increase expenses to auto dealers regarding insurance costs for their employees either in the form of forced coverage or penalties which must now be factored into projected operational expenses. These expenses may pale in comparison to other increases in the cost of doing business if the administrations’ next stated goal to enforce Cap and Trade regulations are passed. This legislation promises to raise the cost of electricity and other costs of goods in America on many energy related fronts.For those not familiar with Cap and Trade regulations, think of it as a tax on carbon emissions that would be collected by yet another government controlled body to pay restitution to third world countries who have been breathing our pollution and suffering from its impact on global warming. Of course the same scientists that collected the evidence that global warming exists which supported this legislation have since reversed their position while confessing that they manipulated the data. However, that revelation has not slowed the administrations’ desire to move forward. In fact, they have empowered the Environment Protection Agency, (E.P.A.), to intercede and impose carbon taxes by claiming that carbon is a poisonous gas which they are authorized to restrict. Either way, the taxes will be imposed on American industry while other industrialized countries have already reversed their positions on imposing these same fees. This inequity in manufacturing costs will further reduce the ability for American manufacturers to compete in the world economy and will likely force the exit of many carbon producing industries to countries that do not impose these additional costs while taking their jobs with them.Itemizing — what is — vs. — what was — has little value other than to cause panic when people realize that there is little that they can do to reverse the changes that they voted in. However, if properly framed in a problem solution format it can provide an opportunity for those that accept — what is, forget — what was, and work towards — what can be. Now comes the good news!The solution to surviving the promised redistribution of wealth from the perspective of auto dealers and automotive advertising agencies lies in their use of technology to reduce and even eliminate certain fixed and semi-variable expenses. Brick and mortar facilities are often financed with mortgage terms and/or rent factors that were based on now dated real estate values and anticipated sales volume and profit margins to carry the debt service. The commercial real estate bubble of over one trillion dollars coming due over the next eighteen months with no current resource of funds to replace maturing commercial mortgages promise to exasperate already reduced equity positions for auto dealers. The related unsustainable debt service demands a change in the ways that vehicles are sold in the United States; can you say Internet!Similarly, current staffing needs are often related to processes that are labor intensive. The associated human resource expense and exposure is based on a business model that is antiquated in the face of potential union intervention and government controls; can you say Technology!Tax consequences resulting from LIFO credits that impacted auto dealerships who could not maintain inventory levels projected in their annual computations due to issues beyond their control are eliminating annual profits. As a direct result of all of these cumulative issues, even captive lenders are balking on maintaining floor plan credit lines or real estate mortgages. Minimum working capital requirements for auto dealers faced with reduced sales, profits and equity to present as collateral for much needed financing has severely limited dealer options to acquire funds to maintain operations.As already hinted, the solution lies in shifting the focus form brick and mortar facilities to new online virtual showrooms and other Internet based applications that provide more efficient selling processes. Of course real world facilities for sales and service are still part of the projected solution as are the people that will be required to staff them. All processes start and end with people and human nature has and will survive on the Internet. However, the allocation of these resources and the associated expenses must be reduced in the face of the changes already in place as well as those being contemplated to accommodate our new role in a world economy.Today’s car sales person must be educated to use new technologies and Internet based selling systems much like previous generations needed to be trained with the skills of a mechanized society versus an agricultural one. Computers are already an integral part of our culture so the transition shouldn’t be as hard as some may perceive. Similarly, large central distribution channels that used to provide efficiencies for manufacturing and retail outlets have been replaced by more cost effective online linked resources across the World Wide Web that reduce fixed and semi-variable expenses in a shared manner that didn’t exist before the Internet Super Highway.Consumers have already been empowered by the Internet to bypass the auto dealer in both the real and the virtual world as the source for the information that they need to purchase a vehicle. Seeking the path of least resistance to satisfy a need is an established element in human nature. An auto dealers ability to accommodate their customers preference to be in charge of their vehicle purchase will be the key to their survival now and in the future. Online customer interaction platforms already allow a dealer to accommodate a two way video communication with real time interaction with the online shopper/buyer sourced from data on the auto dealer’s DMS and linked to their CRM. The transparency of this negotiation process allows the dealer to crash through the glass wall of the Internet with the ability to push and pull the same material that they can at their dealership. The result is the opportunity to accommodate an online transaction with the inevitable ability to reduce staff and facility needs in the real world along with the associated expenses and increased profits.Social networking is another technology based solution that capitalizes on human nature which promises to change the face of the auto industry and the resources available to automotive advertising agencies to help their auto dealers sell more for less in the future. Consumer centric inventory based marketing platforms fueled by social networking communities that provide word of mouth advertising to virally extend the auto dealer’s branding and marketing messages represent the next generation of applied social media. C2C marketing messaging to social networking communities from the inside out vs. the now dated attempts to market to online communities with B2C messages from the outside in builds on established protocols in social media. Next generation platforms promise to monetize social media for automotive advertising agencies with integrated Ask-A-Friend / Tell-A-Friend features that allow online shoppers to solicit opinions from friends and family. Customer driven posts on their Face Book page drags the dealership and their vehicle into the conversation with the obvious advantage of the increased exposure and the associated viral coefficient to extend their message and online footprint for potential customers linked to the initial online shopper. Google agrees as evidenced by their weighted consideration of real time social media which quantifies the R.O.I. for the dealer with improved S.E.O. for the sourcing dealer’s expanding virtual showroom.Other technology based solutions that improve online marketing processes converts the pictures on an auto dealer’s web site to professional quality videos with human voice placed on the auto dealer’s site, all third party marketing sites and even the search engines through a dedicated API with You Tube — further evidence the ability of auto dealers to expand beyond the limitations of their brick and mortar facilities and in-house support staff. Extended social networking platforms which allow an auto dealer to empower their sales staff to develop their own websites to market to their spheres of influence with management controls to moderate content and monitor use to prevent employee abuse exist today with the promise to be more widely used tomorrow to build the vision of what will be in the face of a challenging economy.To extend my vision for the auto industry beyond the technologies that exist today requires a similar understanding that expenses and staff need to be consolidated beyond current expectations. Limited resources for consumers to purchase, finance and/or lease their vehicles won’t eliminate their need for transportation. Future financial instruments that are a hybrid of a lease and a rental agreement could allow consumers access to a pool of vehicles in a convenient central location where their Drivers License could act as a key and a charge card to apply charges against pre-paid transportation credits deducted by their employers and controlled by the government to track personal activities and location along with socially accepted consumption of our limited resources. I recognize that the big brother flavor of that vision may seem foreign in the context of what was and is, but we are talking about what will be based on the new collective society that our country has moved towards.As for the role of the OEM and the auto dealer in the future, it would be reasonable to accept that the government’s existing control of the auto and banking industry will extend into the energy industry which will set the stage for the government determining which vehicles could be manufactured and/or imported and placed into the transportation pools with the locations determined by public transportation hubs that link to local distribution centers. The government currently owns 51 % of all real estate in the country through their mortgage interests in Fannie May and Freddie Mack and the pending commercial real estate bubble promises to shift a great deal more to public control. In addition. the government has recently changed the funding available to both organizations to be considered unlimited with the full faith and backing of the United States Treasury. That action coupled with the previously stated changes in eminent domain and the fact that millions of acres of resource rich land was recently acquired by the government to build additional — national monuments — suggests that land will be made available as needed to accomplish this community transportation system for the public good. Of course government employees will be needed to manage and staff these transportation hubs which would likely represent the auto dealer of the future.Simply put, my future visions of the auto industry and automotive advertising is built on the past and the present with a recognition of what will be if we continue on the path that we have already chosen. I assume the constant of human nature and the role of technology in our evolution to date with the expectation that neither will change. Of course, there are consequences to elections so I suppose that I should update my projections after November, 2010 and the presidential election in 2012. In any case, the movement from the real to the virtual world has already started and will surely continue so that part of the vision should remain clear.

Lawsuit Financing Companies

Attorneys, law firms, lawyers, beneficiaries or clients usually form lawsuit-financing companies. Lawsuit financing companies can also provide appeal finance, firm finance, custom finance or estate finance.Many lawyers and attorneys create lawsuit financing companies based on their experience and the types of cases they encounter the most. Attorneys and lawyers with expertise in personal injury lawsuits or patent lawsuits help by providing cash advances and support in their fields.Lawsuit financing companies provide many financing options. With a significant monthly fee, a few lawsuit financing companies may help to settle the case faster. Though a large variety of options are available, the plaintiff has to discuss with the attorney which option is best suited to him.The lawsuit financing company and the plaintiff can make an agreement of the amount of share the lawsuit financers would obtain after the settlement or the verdict is known. This is called “flat fee”. Apart from the flat fees, the plaintiff has to pay a minimum fee every month, called “recurring fees”, to the lawsuit financing company. This recurring fee can be as low as 2.9% in the case of a few lawsuit financing companies, or could be as high as 15% with other companies.It is the financing company’s decision as to how much to pay as the cash advance. Lawsuit financing companies pay from $1000 to about a million dollars depending on the case.Every lawsuit financing company would have a team of lawyers to assess the strength of the case. The key is to avoid funding frivolous complaints. Thus the financing companies will scrutinize the complaint and decide the chances of success of the case.Lawsuit financing companies do not term their cash advances as loans but as investments. The applicant has to repay after the verdict. Usually the monetary settlement that is obtained after the settlement by the court is larger than the company’s advance. The lawsuit financing company should be paid the principal and the predetermined share of the monetary verdict.Many lawsuit financing companies can be approached through the Internet. Companies like, and are available on the Internet. Websites like these are flooded with information and instructions regarding lawsuit financing.