Kids & Divorce – What to Consider When Deciding Your Family’s Time – Sharing & Parenting Plan

In Florida we no longer use terms like “custody,” “visitation,” and “primary residential parent” which suggest that a child is a possession to be argued over. These terms mislead parents into thinking that ultimately one of them can win and the other can lose their children.

It is critical that divorcing parents understand that only their marriage is ending. In fact, their familial bond will remain long after the legal divorce is done. As the old adage goes blood is thicker then water. And, children have a special way of keeping people connected.

Every child needs and deserves two parents. So, divorcing parents should avoid the win/lose illusion and instead focus on how they will share time with their children and what each parent will be responsible for.

Here are ten things to consider before you decide on your family’s time-sharing and parenting plan.

1. Your family is unique. And, your family is undergoing restructuring. Be open to a variety of possibilities. Allow yourself to look at the big picture and focus on the needs of your children.

2. The time to work on feelings of betrayal and abandonment is not while you are making decisions related to time sharing with your children. Put these issues to the side and deal with them later.

3. Consider which parent is best able to undertake, manage and complete day-to-day parenting responsibilities such as shopping, homework, sick trips to the doctor, routine check-ups, playtime visits with friends, chauffeuring, daily hygiene and discipline. However, just as important as a parent’s ability to perform parenting responsibilities is his/her commitment to (a) encouraging the child’s relationship with the other parent, (b) conferring with the other parent and (c) keeping the other parent informed on all child related issues such as report cards, illnesses, and extra-curricular activities.

4. Consider your children’s connections to their communities and extended family members. Do all you can to keep these relationships consistent.

5. Your child’s primary residence and time-sharing arrangements are not permanent. As your children mature the arrangements you make should change to fit their lifestyles, needs and desires.

6. Consider the distance between your homes and the children’s school(s). How will this effect the morning and afternoon commutes, participation in school activities, playing with school friends after-school?

7. How can you best set your schedules in order to maintain consistency in your children’s bedtime, homework, bath, meals, activities etc. during school time.?

8. In an ideal world each parent would have some play time, some work time (carpooling, homework, etc.) and some alone time with each of their children.

9. Children should be expected to follow the rules of the household that they are in. Be consistent in your own house, with your own rules. If the other parent has different rules that is OK.

10. Babies and younger children may be best served by shorter times with each parent.

Human Anatomy & Physiology – The Study of Life & Its Importance in Todays World

A basic explanation of what is anatomy and physiology is that physiology is the study of life, and life is in the form of the human anatomy. To answer the question, so what does it mean to me? It mean everything to you, because its “all about you”.

We all care about something, when it is about us. Ironically the most important thing to us which is our life, we leave in the hands of many others, mostly to those in the health care field. Of course we are all not doctors and nurses, so we have to entrust ourselves to those who are. To a point, and that’s the point I am making here. We have the responsibility to ourselves to know what we are made of, so we can make sound educated judgments, when it comes to health issues.

I am not just referring to basic knowledge, I am talking about a good understanding of anatomy and physiology which I again say ” its all about you”. If you can clear your way to thinking, that the body is about you personally and not a separate entity , then you have a better understanding of the importance in getting to know it.

Let me give you an example. When the economy is at its peak, people will go out and buy a vehicle that appeals to them. Perhaps they have heard about it through an advertisement, or a friend has one. They don’t base their decision on what they know personally, instead they base it on the word of others. Now a big factor here is money.

If the money situation is good then you can afford to be more daring. On the other hand, when money is tight people do a lot more investigating into purchases. For example they make it their business to find out how good the car is on gas, or how durable it is, or what are they getting exactly for the money. Now why does this happen? Simple, when money is tight, people have more to lose, so they are more careful, because they won’t have the means to replace it.

This is exactly how we are with our anatomy and physiology. When it seems to be working it great condition, we just go about our daily routine, not even giving a thought as to why its working so good, and what can we really do to keep it that way. Then the unfortunate day may come when you have just had your medical exam done, and the doctor says there is a problem.

For example, he may say your thyroid is malfunctioning. Perhaps you haven’t even heard the word thyroid. So now you don’t even know just how much trouble you may be in. Is it serious or what? All of a sudden now you will go on a crash course of learning a lot more of what the body is all about. At least where it pertains to your problems. You will most likely jump onto the internet, and type in the word “thyroid”. By the time you are finished you will be an expert on it.

I am not suggesting that you have to be a graduate student of the studies of anatomy and physiology. I am saying if you know your body well, then you are in a strong position to take preventative measures against illness. In addition you are well more informed from the start about potential problems you may be faced with. I mean by not knowing about the details of your body you could be creating a great deal of unnecessary stress for yourself.

Handwriting Analysis – Some Elaboration is Healthy & Perfect Penmanship Isn’t

Elaborate handwriting, including lots of

embellishment such as unnecessary loops,

curves, spirals, underlining, circles, wavy lines,

and other forms is an important, and telling,

handwriting analysis consideration.

Handwriting analysis, or graphology, is so

informative because it reveals subconscious

character, the real personality, not just the

persona and the one seen when a person is

at his or her best.

The U.S. Library of Congress classifies

graphology as a branch of psychology.

All in all, there are over 300 handwriting traits

to consider when doing an analysis. Some of the

more obvious ones include the following:

connectives; connectivity; consistency;

contradictions in script; compression;

contraction/expansiveness; down-strokes;

elaboration; expansion; finals; fluidity; form;

harmony; hooks; jabs; knots; lead-ins; legibility;

loops; margins; movement; organization;

originality; pressure; retracing; rhythm; shading;

signature compared to the rest of script;

simplicity; size; slant; overall arrangement

and picture of space; letter, word and line

spacing; speed; spirals; tension; ties;

zonal balance and much more.

Does any single consideration, such as the

excessive elaboration, override the cumulative

strength of the collective body of other

considerations? No.

The collective body of traits in a handwriting

sample either supports or mitigates the energy of

any one individual aspect.

Also, in order for a specific graphology trait to

accurately reflect personality, it must be

throughout the handwriting sample at least

three to four times to qualify.

Accuracy in graphology demands that the context

of the entire writing sample be considered and that

all individual aspects and parts of the script must

be interpreted independently and then built into a

complete picture describing the personality.

Also, you need at least a half page of cursive

handwriting and not just a signature if you want

to start on the right track.

For the highest level of accuracy in handwriting

analysis, formal graphology training is recommended.

However, we created our Graphology Resource Keys

for anyone to gain a very good understanding of their

own or other’s subconscious character simply by

comparing a handwriting sample to the Keys.

More information about handwriting analysis can

be found on our site.

Copybook form, or “perfect handwriting,” varies

somewhat from country to country and it’s best

to be familiar with the standard copybook form of

the country in which the person learned to write.

It’s good if your handwriting is not perfect, because

you don’t want perfect handwriting. It’s natural to

gradually move away from the basic copybook

form you learned in grade school to develop your

own unique style.

Just as everyone has a unique personality, everyone

has unique handwriting. Aristotle remarked,

“Spoken words are the symbols of mental experience

and written words are the symbols of spoken words.

Just as all men do not have the same speech sounds, so

do all men not have the same writing.”

Adults who write in copybook form (considering

there is corroborating energy from the rest of the

handwriting considerations) strive to follow all rules

exactly and abide by all laws. They are usually

conformists, traditional, and inhibited. They

commonly carry guilt and repression is customary.

Hence, “perfect” handwriting is far from perfect.

If your handwriting has a lot of originality with high

form level (good balance, movement, harmony, etc.)

and other positive traits, it could indicate flexibility,

resourcefulness, confidence, inward motivation, and

possible leadership skills.

On the other hand, if you see originality in an

off-balanced, inharmonious script (low form level),

you could find rebelliousness, defiance, turmoil,

confusion, dishonesty, and even psychosis

or criminal-minded behavior.

Spirals are generally a negative sign relating,

in part, to deception or self-deception.

Normal elaboration includes longer than usual

t-bars and finals at the end of words, for example.

Excessive elaboration, such as artificial flourishes,

many added strokes, long lower zone length (loops

of letters such as lower case g and j), etc. could

indicate an ostentatious personality with a need to

impress others, a need for drama, flirtatiousness,

vanity, exaggeration, bluff, a mind too rooted in

fantasy, insincerity, a need to be told they are

loved, façade of intrigue to mask an inferiority

complex, possible deception, scattered energy,

affectation, defense for self-consciousness,

unstable self image, too much focus on

trivial matters, and difficulty concentrating.

As the level of inharmoniousness increases with

excessive elaboration, the negative traits listed

above will also intensify.

If you see excessive elaboration mainly in the

upper zone (e.g., where the t’s are crossed), which

is the zone of the intellect, you may find someone

whose thinking is ruled by illusion, and even

someone who is a compulsive liar.

But remember, although it’s alluded to above, it’s

important enough to say again: no single graphology

indicator, by itself, absolutely describes any one

personality trait.

Yes, straight-across, blunt ending strokes can

indicate cautiousness, but there could be ten or

more other indicators in a person’s script that

would mitigate the notion.

If you find elaboration that is excessively

complicated, especially with many complicated

circle letters, such as a and o, it could point toward

someone who is trying to hide something, even if

it’s on an unconscious level and not in an

intentionally deceptive way.

Look to the zone of handwriting for more clues to

what the excessive elaboration with inharmonious

handwriting indicates: in the lower zone (where the

loops of letters such as g and j reside) it’s an

imbalance relating to sexuality, social life, materialism,

and physical energy, among others; in the middle

zone (where letters such as n, m, and o reside) it’s an

imbalance in practicality, daily routine, here-and-

now, ego, consciousness and more; and in the upper

zone (where the t-bar, tops of t’s, and h’s reside) it’s

an imbalance in mental, intellectual, philosophical,

literary interests, the imagination, and more.

When you see a Hollywood star’s signature

that has over-the-top elaboration, if the rest of his

or her script is much more subdued, it’s a sign of


Alternatively, elaboration with positive indicators

is favorable. With harmonious handwriting it can

symbolize charm, healthy imagination, and


Copyright © 2007 Scott Petullo, Stephen Petullo

Business Blogging – How to Increase Visibility & Credibility by Blogging About Your Online Business

Marketing your online business by blogging on a daily basis will enable you to increase your visibility and gain credibility very quickly on the internet. Blogging is the very best way to let people know who you are and what you by giving them this information in your blog posts.

Blogging has come a long way since it was first around five years ago. People were blogging back then to keep an online diary of what they were doing. Blogs were more of a personal account of what someone was thinking and planning in their personal life. Blogs became known as ways to write on the internet without having any real use for business.
Very quickly the savvy marketers online saw the possibilities for having a blog. Overnight during these first few years, blogs sprang up everywhere, becoming more business in nature and offering a variety of products and services for sale. New blogging platforms were also available, giving people the option to own their own blog by using the Typepad or hosted WordPress option. No longer were people held hostage by the free blogging services, which could shut down your blog on a whim.
These days many people are using a blog instead of a website. The ease of posting and making changes to a blog versus having to write html code and upload all changes to a server make blogs the logical choice for business use.
It is important to post every day for the first four to six weeks of starting your blog. I refer to this as power blogging, and teach the concept to my students. This enables you to quickly gain ranking in the search engines, allowing more people to find you easily. You must also determine the keywords that you will be focusing on. By using these keywords in your blog post titles, it is much more likely that your blog will rank highly for those terms.
Also, make sure that you have a way to capture the name and email address of anyone who visits your site. The way to do this is to install an opt in box in the upper right hand corner, and offering a free gift to anyone who signs up. This free gift can be a short report, an audio recording, a consultation with you, or anything else that people in your market would consider to be valuable. This will help you to begin building your list so that you can offer these prospects more products and services over a period of time.
I also include a resource page on my blog, where I can recommend products and services that I endorse. These are all listed with my affiliate link, allowing me to earn money each time someone makes a purchase. I do this in my posts as well, but only about once a week. The remainder of my posts are filled with useful and helpful information on my topic. I encourage you to do the same thing so that your readers will come to know and trust you as you grow your online business.

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Define Your Position: Values, Ethics & Leadership

Some call it wearing one’s heart on the sleeve; others call it wearing their emotions. If the discussion is of values and ethics, leaders must wear them openly, constantly encouraging, mentoring, and coaching others to operate within values-based and ethical standards the leader expresses. Values and ethics exist in a philosophical arena and often mistaken as the same. Values explain that who you are is what you were when. Ethics demonstrates values through behavior. This paper takes the position that values exist on a higher plane than ethics.

Dr. Gyertson6 shares an insight on value and ethic sources. He says throughout human development, there are socio-cultural influences in family and tribe. In the time of prehistory, these values meant survival and extended family. Exploring present value development offers a very different view of family and tribe. Family is nuclear now and connection to extended family is often limited to the July Family Picnic. Tribe, community, is multifaceted people have small neighborhood tribes, work tribes, social tribes, and others. They move among tribes and behave differently in different settings. While core values remain, behaviors shifts when moving among groups. Interacting in work groups is an example. Consider a group of university administrators working to satisfy the needs and desires of applicants and students. Administrators work to put applicants and students at ease as they enter classes. Faculty works with students lecturing, and facilitating to grow students knowledge. The student is the same person yet is interacting with the different elements of the university.

Value deals with the worth, utility, moral virtue, aesthetics, and, may be singular or a collective of each. Values are at the core of what a person believes. In June 2006, article in USA Today, Colorado Rockies pitcher Jason Jennings tells the reporter that players for the ball club hear the value of character and good living from the top of the organization all the way down. In the locker room, one does not see pornographic pictures or magazines. There are sports magazines, racing and car magazines, and prominently seen throughout the locker room are bibles. This ball club believes in Christian values and Christian ethical behavior. A fan tells of not hearing the usual trash talking or player showboating among members of the Rockies. The leadership in the Rockies organization provides evidence of expected behavior in the clubhouse, on the playing field, and among players of other teams. The Rockies are not the “winningest” team in major league baseball; however, they display the near the highest behavioral ethics.

Ethics comes from the Greek ethikos, meaning arising from habit. Ethics is a study of living, a study in which we discover things as being right or wrong or true and false based on how we know things. Therefore, ethics is the outward manifestation, the acting out of a belief.

Values versus ethics

Values and ethics do not exist separately from each other. However, they may develop differently over time. A child’s values grow from the values of parents. A child’s ethical behavior develops from observing what parents do. Trust in parents’ grows as a child sees their parents obeying their beliefs (values) through their ethics (what they do) consistently. It is a leader’s responsibility to an organization, workers, and her- and him-self to do no less. Followers of a leader will loose trust quickly if they observe attitudes and behaviors that do not match expressed ethical standards and values.

Values must identify or embody who a leader is. Values are the bases upon which leaders make judgments on what is important. Ethics identifies a leader’s moral compass, the leader’s understanding of good and right. Ethics are a set of moral principles.

Leaders must commit to personal values and organizational values seeking a fit between both. Moreover, leaders must manifest values in a way that leaves the observer fully aware of the leader’s commitment.

A leader studies the community in which an organization exists to know what the community values. Another consideration is the ethical behavior that leaves a leader questioning whether the community acts as it believes. These observations of what a community believes and how it behaves tells a leader the scope of normative order within a community. However, organizational leaders must operate on a higher plane.

A consideration for leader examination when establishing a code of ethics is that ethics and values do not fit a neat categorization into specialty areas. Melissa Ingwersen1 of JPMorgan Chase Bank supports the foundation of ethics at home and school before applying them to business. She says JPMorgan Chase does not want to compromise it banks or bankers by doing business with questionable clients. Therefore, JPMorgan Chase selects clients carefully attempting to maintain their reputation and the reputation of their clients.

What does the above example tell us about values and ethics in an organization? For Chase Bank, the value is honesty, integrity, and character building of clients by selecting clients who have similar values as the bank. Chase Bank does not compromise their core values for the sake of gaining business. Another view of this provided by Brenda Joyner, et al2, is a sense of corporate social responsibility (CSR). CSR includes such elements as economic, legal, discretionary activities and ethics. She says these exist within what are the values of the public.

Working standard – values and ethics

Stated above, ethics is the outward display of values. In some organizations, leaders are content to accept the ethic of responsibility to shareholders. Although this was the generally accepted behavior in economic boom years, most long-life businesses recognize that the bottom line is not an ethically symbolic way to engage.

Joyner, et al, relate the work of Paine (1994). In this, they attempt to put a value on following the letter of the law versus following spirit of the law. While obeying the letter of the law is legally and ethically correct, seeking the higher value to obey the spirit of the law propels a leader to higher trust, reducing cynicism, ultimately adding value to the ethical standard. The ethical standard is a leader and organization’s integrity strategy and values are the core beliefs driving the strategy.

Ray Coye3, writing in 1986 saw the need to differentiate values and ethics. In his view, there are no values for an organization separated from the collective values of leaders and members. He provides a definition of values as, “… serv(ing) as the authorities in the name of which choices are made and action taken.” In greater depth, this 1986 definition is one based on the prevailing attitude toward values and ethics considered correct – at that time (Coye, 1986)

• A value is chosen freely after consideration of alternatives and consequences

• Publicly affirmed, cherished, and prized

• Pattern of action that is consistent and repeated


Values exist at the core of our nature; they are our core belief system. Ethics, our behavior, reveal our values within an operating environment. If we say we cherish (value) our children but behave abusively, value and ethical behavior are incongruent. Within a leadership role, the same is true of our attitude toward workers. Recent history of organizational failure adds to common knowledge of how personal greed over the expressed organizational values ruin business and, worse, the faith workers have in the business and leaders.

Not all organizations are the Colorado Rockies Baseball Club, but trends start one person and one organization at a time. Be a trend setter.

Works Cited

1. Nightengale, B. (2006, June 1). Basball’s Rockies seek revival on two levels. USA Today. Retrieved September 20, 2006 from [].

2. Cook, J. R. Interview: Melissa Ingwersen, Central OH President, JPMorgan Chase Bank, NA. Ethical Leadership, Council for Ethics in Economics (1,1)

3. Joyner, B. E., Payne, D. & Raiborn, C. A. (2002, April). Building values, business ethics and corporate social responsibility into the developing organization. Journal of Developmental Entrepreneurship(7,1), pg. 113.

4. Coye, R. (1986, February) Individual Values and Business Ethics. Journal of Business Ethics (5,1), pg. 45.

5. Watson, S. (2006). Personal Values in Business: How successful businesses underpin their success with clear values. Retrieved September 20, 2006 from [].

6. Gyertson, D. J. (2006). Ethical Frameworks. Presentation at Regent University DSL Residency September 13 to 22, 2006

Do It Their Way: Connecting With Clients & Members

Communicators have become lazy and cheap. When a new message is upon them, or when the last message did not attain the desired reach, the modern communicator can, unfortunately, be heard mumbling under their breath “we’ll just put it up on Facebook.” There is so much more to really communicating with your clients or members than just posting another post on social media.

The Pitfall

As electronic communications became reliable a few decades back, the market quickly realized they had found the holy grail. This new medium was, after all, free of charge, requiring only the time to craft a message and maybe throw in a few graphics. As long as we had our own list of email addresses, the cost would be zero, or near zero, considering the investment in application tools to assist. Social media didn’t change this seemingly profound business tactic, but exasperated it. The problem is, and was, it is a fail as it reaches a much smaller target than we care admit.

I, for example, do not generally use Facebook, except for my job; so, if I am that Chamber’s or Association’s member, am I receiving the communication when posted there? If I am a VIP client of that organization, am I getting the message? Obviously not. Replace Facebook in the above with ’email’, ‘Twitter’, ‘YouTube, ‘Parler’, ‘Rumble’ or any other e-communications medium and the same issue exists – not all members use that e-medium. Or, perhaps they do, but not often. We have been doing it wrong!

Do It Their Way

Leaders, members, clients, staff… all people, really, have preferences. They do things the way they want to do them, not the way we want them to do things. This is especially true in communications. We need to go to where they are, not try to force them to where we want them to be. Does a particular VIP prefer email? Text? A phone call at 11pm after the family goes to bed? We need to meet them where they want to be.

With mass communication to clients or members, we need to be more fluid and comprehensive. We need to blanket the mediums, not just choose one and call it done. So, whichever is their favorite, we are there. The problem is, as we move from the macro to the micro, more specifically, to the individual, we do not know which is their favorite. And, time and funds are not unlimited. Most of us cannot afford to hire a full-time compliment of employees just to post on all of the relevant socials while still communicating via tradition means.

The Secret Sauce

So, if we must be where our members and clients are, but we do not know where they are, how do we select the right mix of mediums? The answer lies, as with most recipes, in selecting the best ingredients for the desired reaction and determining their blend. In our case, we must blend electronic mediums with physical mediums.

Electronic mediums are email, e-newsletters (of which we often fool ourselves by saying they are different than email), our website, and social media. The best combination for the small, nimble staff is to use a monthly, bi-monthly, or quarterly e-newsletter with scarce and sparse separate additional emails, reserved only for the most important of the annual communications. This should be supported strongly with three to five social media platforms onto which we can copy and paste the same message then make minor platform customization tweaks. The experts in social would argue that every platform is different, with a unique language, tempo, and vernacular; thus, such an approach is careless and unsophisticated. Though I agree when debating the finer details of comparing and contrasting platforms, this is simply not realistic for the small organization. Stick to the cut-and-paste for the biggest bang in the shortest time.

If we stop communication at the electronic door, we will miss upwards of 30% of our members and clients. Some will never see it as it will be buried in their e-piles of junk. Others will unsubscribe. Still others will change jobs, which changes their email or social address, without informing us. And, yet others will commit us to junk, spam, or e-file 13. Thus, the tried and true hard copy mediums must be part of our plan as well. Post cards, magazines, fold-out brochures, enveloped letters on letterhead, flyers, and tri-fold pamphlets are all options. As are text messaging, voice calls, and even robocalls, if done right. The communications art is in the blend, portions, and touches with each medium. Of course, most of the physical mediums have an exorbitant price tag as compared to electronic which is why most chambers, businesses, and associations have fled these mediums altogether. But, that is also why the physical mediums are so much more effective than they were for our parents and grandparents – they are just not being used much anymore, so when used properly, they make a splash.

Communication is about style, substance, writing the perfect copy, the best timing, and having something worth saying. More importantly, however, it is about being where the receiver is so they can receive that magnificence that is your hard work. If a tree falls in a forest and no one is there to hear it, does it make a sound? If a message is sent on a medium on which your client is not monitoring, do you make the sale? Keep the client or member? Survive as an entity? The medium mix, doing it their way, might even be more important than style, copy, substance, or timing. At lease you break through.

If you found this article insightful and useful, you may similarly appreciate the other three articles from this four-part series on communications: Break Through the Noise with Your Communication, The Goldilocks Zone of Communication, and Anatomy of a Communication Message.

How to Write a Quick & Easy Car Repo Letter

On your own letterhead paper write or print out a notice which includes the name, address, and phone number of the defaulted client. Explain that you have attempted to contact them to no avail. Notify that they must contact you in order to come to a resolution to their outstanding payments.

List the vehicle that is in question along with its VIN number.

Give a final date that all past due payments are due by (labeled “last date for payment”) and the amount due to catch payments up (labeled “amount now due”). Explain that:

“If you pay the amount now due by the last date for payment you may continue with the contract as though you were not in default. If you do not pay by that date, we may exercise our rights under law, including involuntary repossession of the vehicle in which we hold a security interest.”

Remember that as time passes until the due date you assign more payments due may accumulate. Include in the letter that by the due date these payments will also be due and list each payment by amount and normal scheduled due date, i.e. “date due_______ Amount _______”

After listing these payments that will accumulate by the final due date explain that:

“In order to fully cure your account, and in order to prevent the exercise of our legal rights under the law, the payment or payments listed above must ALSO be paid in full on or before the last due date for payments”

Inform that even if the account is caught up you still have the right to take action in the event that payments fall behind again within a designated amount of time:

“If you are late again within the next____weeks in making your payments, we may exercise our rights, including repossession, without sending you another notice like this one.”

Explain your rights to collect further monies owed under the lien contract:

“The rights we may exercise under the law include repossession of the motor vehicle securing this debt. If the motor vehicle is repossessed, either voluntarily or involuntarily, it may be sold and you may owe the difference between the net proceeds from the sale and the remaining balance due under the contract.”

Ask the client to contact you right away if they have any questions.

Close the letter with:

“If we do not hear from you within___days, we will have no choice but to put out a REPOSSESSION ORDER on the vehicle.”

Sign it and have it notarized.

Mail the letter certified with delivery confirmation and return address requested. This way you have 2 ways of confirming and proving that they did receive the notice in case legal questions arise after the repossession.

You also obtain any forwarding address if the client has moved so that you can more easily locate the vehicle. The return address requested will send the letter back to you if they have moved instead of being forwarded to them.

If payment has not been made and you are ready to repossess the vehicle you need to write or type a REPOSSESSION ORDER. This will state the following:

Repossess Order

[Phone number]

Default of contract
[vehicle year, make, model, VIN]
Net Payoff Balance: [Total bottom line balance owed]
Repo fee: [$ amount of the repo fee you charge]
Storage fee: [$ amount of the storage fee you charge]
Damage: [$ amount of any damage known to be done to the vehicle] You may also write TBD or To Be Determined here
Total: Add up all of these amounts and enter the total here

The named buyer is in default of installment loan contract and payment is under uniform and commercial state and local codes covering installment contract.

We agree to indemnify and save [your name/business name] harmless from and against all claims damages, losses, and actions resulting from or arising out of our efforts, except as may be caused by negligence or unauthorized acts by our agents representing us.

Dealer Authorizing Repossession

[your name/business name, address, and phone number here]

Notarize at the bottom

-Make a copy of the order for your records and give the order to your repossession agent (the person performing the actual vehicle acquisition).

Note that –

* If you follow these steps you will have done a legal repossession.
* Many people do not send a notification letter because many times a client will attempt to hide the vehicle once they have received a letter like this, especially if they have no intentions of paying.
* Most people are unaware of their rights when it comes to a vehicle repossession so they usually don’t report someone who has not followed proper procedure, however, If you do not send the certified letter notifying them of their default and giving them opportunity to make payment they have grounds to report you to the state’s DMV Dealer Services and the state’s Attorney General which can result in you being fined as well as taken to court for violating repossession laws.
* Keep in mind that some states do not allow a repossession to take place on private property if the repossession agent is asked to leave (some states require him/her to leave and for you to obtain a court order).
* Some states have no restrictions on public property.
* Some states forbid repossession to take place at a client’s place of employment.
* Be sure to check specific repossession laws pertaining to your state.

The Four Cardinal Points of Any Good Writing: Expression, Content, Organization & Technical Accuracy

Every piece of writing that is judged to be good must have these four cardinal factors; otherwise the writing will fall flat regardless of its intended purpose. Remember the intent of your writing should be to inform, instruct, entertain, solve a problem or show how to achieve a goal or objective. Always write for your target audience and not the internet or the search engines. When you connect to your audience, the rewards come back to you. The four factors are: Expression, Content, Organization and Mechanical Accuracy.

Expression: This is how you project your writing for the world to see, read and evaluate. Good writing is a craft. That’s why writers are called wordsmiths. A picture may be more than a thousand words but it also takes words to create pictures in your reader’s mind. This is the first factor that attracts audience to your writing just as bees are attracted to nectar. You may have heard that you must write to express and not to impress. Don’t write for ego; write for your audience with clarity and simplicity–so that everybody can understand your perspective and subject matter. People don’t care how much you know until they know how much you care. Expression is an art form. You must use your words to connect and create vivid images in your reader’s mind. People only apply what they understand. It all boils down to your choice of words, style, personality and overall thinking process. You must use powerful words and emotional triggers. Eliminate boring adverbs and dangling modifiers as much as you can. Use active verbs instead of helping verbs or adjectives. Active verbs make your writing to be more alive and dynamic. Realize that movement generates pleasure. Use active voice rather than passive voice. Thus expression is not just what you say but how you say it. However, what you say is also important.

Content: This is the factor that separates the mediocre from the masters. “Either you write something worth reading or you do something worth writing,” said Benjamin Franklin. Content is the substance and the essence of your writing. In short, content is the heart-beat of any great writing. It is the value you brought to the marketplace. People are value and quality shoppers. They want the best for the least amount of money. You have heard it said that in the internet, content is king. The story is the same everywhere. Content is the quality of the material you put out. This has to do with the key benefits the readers will extract from your writing to solve their problems or achieve their goals. As a writer, you must always ask yourself: “how can my writing solve problems or change lives?” A good writing that sells itself is writing with great content. Search engines love content. Therefore, put out good content that people love and seek. Then the search engines will locate you naturally and people will seek your offers. Let your content be fresh and original instead of recycled materials that flood the internet. Content is what search (and research) is all about. Having said that, you must also know how to arrange and organize your content so that the information is readable and digestible.

Organization: One of the most difficult things about writing is how to organize and arrange your thoughts. “Most writings are a few good thoughts drifting about in a sea of words,” said Jamie Buckingham. Organization is a product of coherence and consistency. How does your thoughts flow logically as in a flower? One idea must lead and link to the next. To be consistent, you need style manual as a guide. Therefore, try to plan your writing. Outline the key points or bare bone essentials you may want to develop before you put the flesh as you go. Let each paragraph contain a theme or one main idea. The flesh can be the description, examples or anecdotes to buttress your points. Organization is a process. It comes with practice, experience and writing intuition. You get better as you keep on writing. Formatting is a very important part of your organization. Arrange information in chunks.

That’s how the human brain process information. That’s why it’s called bites and bytes. Formatting is about headings, paragraphing, bullets, lists, typography, lines and spacing to create visual appeal for your readers. You don’t need to be a graphic artist to develop a good sense of organization. Did you notice that majority of HTML tags are formatting tags? Any good content and expression can fall flat without good formatting–it is a key part of your organization. The best way to learn this art is to glean from other good writings. After trial and success, it comes together with practice. Either you keep writing or you become a write-off. My watch word is: “Persistent practice prevents poor performance.” The more you write the better you grow as a writer. Practice does not make perfect; practice makes improvements and improvements make perfect.

Mechanical (Technical) Accuracy: This is fancy way of saying that your writings should be free of errors. Mechanical Accuracy is the Achilles tendon of most writers. They worry too much about the difference between colon and semi colon–causing paralysis analysis. This is the key reason why many people dread writing. Mechanical accuracy has to do with your typographical errors, spelling, punctuation and syntax. This is why you must have your writing tools: spell checkers, dictionary, encyclopedia and other reference materials. Remember that no writing is readable until it is free of errors. It is also a smart idea to give your writing to someone else to proofread and edit because of human factors. Overall most good writers are made in rewriting. The key lies in the principle of the 3Rs: revise, review and rewrite.

Your writing process is like preparing a good meal. All four ingredients must be present in your recipe before you create a balanced food for thought.

Cover Letter Do’s & Don’ts

Most people are familiar with the importance of a well-constructed resume, and put a fair amount of time into creating one. But just as important is the cover letter that accompanies and introduces your resume.

In an extremely competitive job market, neglecting your cover letter is a big mistake. Why? A cover letter is your first opportunity to tell a prospective employer about yourself, and to do so in your own words. Like a written interview, a cover letter gives you the opportunity to point out applicable experience and qualities that make you right for the job. And just like any other important job searching tool, there are definite do’s and don’ts to follow to make sure your cover letter is an asset, not a hindrance.

Do personalize your letter.

Nobody likes to receive impersonal mail. Cover letters that begin with phrases like “To Whom This May Concern,” sound like random junk or bulk mail, rather than an important correspondence. You expect the company to take the time to read through your material, so you too need to take some time to research the correct addressee. Call the company, look on its Website or talk to others to find the correct contact.

Don’t send a generic cover letter to many different companies.

Hiring managers can spot a mass mailing a mile away. What gets their attention are letters that address the company-and its needs-specifically. Research the company prior to writing the letter. Check out recent news and read through the company’s Website, and then incorporate what you learned into your letter. Doing so will demonstrate to employers that you are informed, motivated and willing to go the extra mile.

Do address the specific position advertised.

Companies that post openings are making your life easier by telling you the qualities they are seeking. Show the company that you paid attention. If a company advertises that it is looking for sales experience, make sure you address your sales experience. One way to do this is by making a table for yourself before writing your letter. List the company’s stated needs in one column, and your corresponding experience and qualifications in another column. You can then use that information to write a letter that tells them exactly what they want to know.

Don’t make the reader work too hard to see that you are right for the position.

Include specific examples about your past successes and experience. If you are looking for a marketing position, give the reader detailed information about a marketing campaign you successfully executed. Don’t just tell the reader that you are motivated. Give an example that shows your motivation. You need to lay all of your pertinent information out in a way that lets the person making the hiring decision easily see how your experience and qualities fit the company’s needs.

Do get to the point.

Hiring managers receive letters and resumes from dozens and even hundreds of applicants, and often just don’t have the time to read lengthy, wordy letters. Be direct. In the first paragraph, include the title of the position you are interested in and then move on to your specific qualifications immediately.

Don’t end your letter passively.

Nobody gets a job by sitting at home waiting for the phone to ring. Similarly, not many people get a call once a resume or cover letter is sent. Since you are the one looking for work, you need to take the initiative and follow up. Instead of ending the letter with “I look forward to hearing from you,” close with “I will call you next week to discuss a time for us to meet.” Once you’ve included this call to action, however, make sure you follow your own promise.

Do write and edit your letter with great care.

Nothing says “I don’t really want this job” like a cover letter with typos, incorrect information, or spelling errors. Make sure the company’s name is spelled correctly. Check to see if the contact is a male or female. And, while it sounds almost too obvious to mention, be sure to sign your letter. Careless-and easily correctable-mistakes tell the company that you did not take this simple task seriously.

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