Recommended Books

Michigan Chiropractic Continuing Education – Expanding and Strengthening Your Practice Using New Technologies and Governmental Policies

October 1st, 2011

On Thursday November 3rd, 2011 at 8:15am-1pm CSES International is leading a Continuing Education session for Michigan Chiropractors. The session will include a introduction to Lasers used for Therapy and a detailed demonstration of a Class IV MLS Cold Laser, where treatments to knees, rotator cuffs, low back, tendonitis, carpel tunnel, and tennis elbow will show very significant relief of pain and significant healing in about 10 minutes for a single treatment.

Since doctors are nutorious for purchasing things and never using them, or not being able to integrate them into their practice the other part of the training will be to show how to integrate social media, a blog web-site, and e-commerce shopping cart, and BuzTweet and engine that feeds social media and creates a following. Additionally doctors will find out patient care technologies offered by Toshiba Business Solutions, and the doctors will learn how to create a lifetime of referrals to continually build a patient care list.

Market Increases Three to Four Times For Chiropractors In Michigan

March 5th, 2011

April 2010 a new market opened for Chiropractors with a State approval to use Cold Laser Therapy, a 35 year old technology that has been used in Europe since then, and in the US for Vets.  Cold Laser Therapy has had great results for back and joint pain.  In fact it not just helps with the pain it can cure a patient in conjunction with Chirpractic care that works to correct posture.  Lack of good posture can be attributed to the root of 95% of all aliments.  Fix your posture and your nervous system can work at its peak.  With Laser Therapy, it reaches up to 2 inches into your flesh and heals the area.  The science is pretty simple.  The light activates the part of the cell that rejuvenates the cell and other cells around it, and the laser helps to add blood flow in the area bringing the kinds of nutrients to the area needed for healing, and gives the body the ability to flush out toxins and dead cells in that area.  With that said, Chiropractors can augment their practice with lasers and cure areas for their patients they could not in the past.  This yields in a 3 to 4 times multiplier for their service market. 

Question is, how does the doctor do that in such a way where the doctor can maximize their financial opportunity and create a sustainable growth model for their practice?  Providing the answer is why I am in business.  Ask me directly and I will give you the answer.  

Today I can guarantee a Chiropractor who is seeing 100-120 patients a week increase their number to 300-350 per week using the techniques and employing key innovation and technologies that are easy to do, and easy to sustain.  

Just last month I spoke with a Chiropractor that I have taken from 80 patients per week to 190 patients per week say that they were bored and were finally ready to move forward on Phase IV, towards seeing 300-350 patients a week with less effort then they have today. 

My formula is simple, and I get involved and take on the task as vested interest in the success of the doctor and their practice.  My saying is;  “If every day you do a little towards your goal, a little others are not willing to do, eventually everyday you will live the life others only dream to live.”

Non-Surgical Cure For – Carple Tunnel – Tennis Elbow – Arthritus – Joint & Back Pain > Cold Laser Therapy

March 5th, 2011

It has only taken the State of Michigan 35 years to allow Laser Therapy to be used for patients that suffer from all sorts of Joint & Back Pain, Carple Tunnel, Tennis Elbow, Arthritus, and related injuries having to deal with tendons, nerve endings, muscle tears and the like.  This kind of Therapy is none evasive, painless, creates no heat, and in most cases can cure most related aliments in 6-10 sessions lasting about 10 minutes each.  Just this week I was in a demo with a patient suffering from hip pain, and could not walk well, and with pain at a 7 (on a scale of 1-10).  With a 10 minute treatment walking was not a problem and at most pain was reduced to a 2.  That was just one session.  The Therapy is administered about every 24-48 hours and will actually heal the area.  For areas that have been cronic for years it takes up to 20 treatments, and has shown to greatly reduce scare tissue.  The light ray penitrates up to 2 inches in the flesh and it has two frequencies, a pain reduction frequency, and a healing frequency.  If you would like a demo or know more just send me a note.

Back To Our Roots / Finding Your Way

April 17th, 2010

Finding Your Way / Finding Our Way

When we find that we are struggling in life, no matter what or where, the best way to start the process of correcting that struggle is to look at the basics.  For a Business, perhaps it is looking at the Business Plan.  For an athelete making sure the athelete has the basics right, for the individual making sure they are living right, and for our State and Country in which we live that we review the basis of why and how it came to being. 

In light of President Obama’s statement saying that we are no longer a Christian nation is very dis-heartening in light of the fact that EVERY State in the Union’s Pre-Amble recognizes God.  It shows that we have either grossly lost our way, or we have allowed those like the President who do not care become leaders in our country.  My observation is simple.  If we want our country to be the strength it once was, we must commit to the basis of our Statehood.  For many it is a difficult choice because so many are to self-absorbed, however the fact is the fact.  As a business consultant it will make it easy to help the businesses I work with become successful because every business will have all the elements of success embedded in their business as we once knew it.  These elements of success are the basic building elements that create life and prosperity in a business.  If the competition refuses to utilize those elements they will soon cease to exist, that simple. 

For your reference I have include the Pre-Ambles of every State In our Union.

Alabama 1901, Preamble
We the people of the State of Alabama , invoking the favor and guidance of Almighty God, do ordain and establish the following Constitution..
Alaska 1956, Preamble We, the people of Alaska , grateful to God and to those who founded our nation and pioneered this great land.
Arizona 1911, Preamble We, the people of the State of Arizona , grateful to Almighty God for our liberties, do ordain this Constitution…
Arkansas 1874, Preamble We, the people of the State of Arkansas , grateful to Almighty God for the privilege of choosing our own form of government…
California 1879, Preamble We, the People of the State of California , grateful to Almighty God for our freedom…
Colorado 1876, Preamble We, the people of Colorado , with profound reverence for the Supreme Ruler of Universe….
Connecticut 1818, Preamble. The People of Connecticut , acknowledging with gratitude the good Providence of God in permitting them to enjoy.
Delaware 1897, Preamble Through Divine Goodness all men have, by nature, the rights of worshipping and serving their Creator according to the dictates of their consciences…
Florida 1885, Preamble We, the people of the State of Florida , grateful to Almighty God for our constitutional liberty, establish this Constitution…
Georgia 1777, Preamble We, the people of Georgia , relying upon protection and guidance of Almighty God, do ordain and establish this Constitution…
Hawaii 1959, Preamble We , the people of Hawaii , Grateful for Divine Guidance … Establish this Constitution.
Idaho 1889, Preamble We, the people of the State of Idaho , grateful to Almighty God for our freedom, to secure its blessings..
Illinois 1870, Preamble We, the people of the State of Illinois, grateful to Almighty God for the civil , political and religious liberty which He hath so long permitted us to enjoy and looking to Him for a blessing on our endeavors.
Indiana 1851, Preamble We, the People of the State of Indiana , grateful to Almighty God for the free exercise of the right to choose our form of government.
Iowa 1857, Preamble We, the People of the St ate of Iowa , grateful to the Supreme Being for the blessings hitherto enjoyed, and feeling our dependence on Him for a continuation of these blessings, establish this Constitution.
Kansas 1859, Preamble We, the people of Kansas , grateful to Almighty God for our civil and religious privileges establish this Constitution.
Kentucky 1891, Preamble.. We, the people of the Commonwealth are grateful to Almighty God for the civil, political and religious liberties..
Louisiana 1921, Preamble We, the people of the State of Louisiana , grateful to Almighty God for the civil, political and religious liberties we enjoy.
Maine 1820, Preamble We the People of Maine acknowledging with grateful hearts the goodness of the Sovereign Ruler of the Universe in affording us an opportunity .. And imploring His aid and direction.
Maryland 1776, Preamble We, the people of the state of Maryland , grateful to Almighty God for our civil and religious liberty…
Massachusetts 1780, Preamble We…the people of Massachusetts, acknowledging with grateful hearts, the goodness of the Great Legislator of the Universe In the course of His Providence, an opportunity and devoutly imploring His direction
Michigan 1908, Preamble.. We, the people of the State of Michigan , grateful to Almighty God for the blessings of freedom, establish this Constitution.
Minnesota, 1857, Preamble We, the people of the State of Minnesota, grateful to God for our civil and religious liberty, and desiring to perpetuate its blessings: Mississippi 1890, Preamble We, the people of Mississippi in convention assembled, grateful to Almighty God, and invoking His blessing on our work.
Missouri 1845, Preamble We, the people of Missouri , with profound reverence for the Supreme Ruler of the Universe, and grateful for His goodness . Establish this Constitution…
Montana 1889, Preamble. We, the people of Montana , grateful to Almighty God for the blessings of liberty establish this Constitution ..
Nebraska 1875, Preamble We, the people, grateful to Almighty God for our freedom . Establish this Constitution.
Nevada 1864, Preamble We the people of the State of Nevada , grateful to Almighty God for our freedom, establish this Constitution…
New Hampshire 1792, Part I. Art. I. Sec. V Every individual has a natural and unalienable right to worship God according to the dictates of his own conscience.
New Jersey 1844, Preamble We, the people of the State of New Jersey, grateful to Almighty God for civil and religious liberty which He hath so long permitted us to enjoy, and looking to Him for a blessing on our endeavors.
New Mexico 1911, Preamble We, the People of New Mexico, grateful to Almighty God for the blessings of liberty..
New York 1846, Preamble We, the people of the State of New York , grateful to Almighty God for our freedom, in order to secure its blessings.
North Carolina 1868, Preamble We the people of the State of North Carolina, grateful to Almighty God, the Sovereign Ruler of Nations, for our civil, political, and religious liberties, and acknowledging our dependence upon Him for the continuance of those…
North Dakota 1889, Preamble We , the people of North Dakota , grateful to Almighty God for the blessings of civil and religious liberty, do ordain…
Ohio 1852, Preamble We the people of the state of Ohio , grateful to Almighty God for our freedom, to secure its blessings and to promote our common.
Oklahoma 1907, Preamble Invoking the guidance of Almighty God, in order to secure and perpetuate the blessings of liberty, establish this
Oregon 1857, Bill of Rights, Article I Section 2. All men shall be secure in the Natural right, to worship Almighty God according to the dictates of their consciences
Pennsylvania 1776, Preamble We, the people of Pennsylvania, grateful to Almighty God for the blessings of civil and religious liberty, and humbly invoking His guidance….
Rhode Island 1842, Preamble. We the People of the State of Rhode Island grateful to Almighty God for the civil and religious liberty which He hath so long permitted us to enjoy, and looking to Him for a blessing…
South Carolina , 1778, Preamble We, the people of the State of South Carolina grateful to God for our liberties, do ordain and establish this Constitution.
South Dakota 1889, Preamble We, the people of South Dakota , grateful to Almighty God for our civil and religious liberties …
Tennessee 1796, Art. XI..III. That all men have a natural and indefeasible right to worship Almighty God according to the dictates of their conscience…
Texas 1845, Preamble We the People of the Republic of Texas , acknowledging, with gratitude, the grace and beneficence of God.
Utah 1896, Preamble Grateful to Almighty God for life and liberty, we establish this Constitution.
Vermont 1777, Preamble Whereas all government ought to enable the individuals who compose it to enjoy their natural rights, and other blessings which the Author of Existence has bestowed on man ..
Virginia 1776, Bill of Rights, XVI Religion, or the Duty which we owe our Creator can be directed only by Reason and that it is the mutual duty of all to practice Christian Forbearance, Love and Charity towards each other
Washington 1889, Preamble We the People of the State of Washington, grateful to the Supreme Ruler of the Universe for our liberties, do ordain this Constitution
West Virginia 1872, Preamble Since through Divine Providence we enjoy the blessings of civil, political and religious liberty, we, the people of West Virginia reaffirm our faith in and constant reliance upon God .
Wisconsin 1848, Preamble We, the people of Wisconsin, grateful to Almighty God for our freedom, domestic tranquility…
Wyoming 1890, Preamble We, the people of the State of Wyoming, grateful to God for our civil, political, and religious liberties, establish this Constitution…

OBAMA CARE – WITCH DOCTORING AT ITS FINEST

March 26th, 2010

This week the famed Health Care Bill was passed and signed by President Obama. Although it fixed a few good things like being able to keep a child on a parents policy until age 26, addressing pre-existing conditions especially for children, and a few other basics, the Health Care Bill only put more cost into the system and did not really “fix” anything. In the end it does far more harm than good and the so-called reduction in the national budget is not what it seems.

This sort of reminds me of movies that I saw growing up where the Witch Doctors would put some herbs and ointments on a wound or sore that was very serious and with known cures, but the gardian of the patient did not believe in modern medicine so in the end the patient died needlessly. This Health Care bill is not too much different because it did not address the real issues that could have taken costs out of the system and still provided as good or better care.

I will be addressing some of these opportunities over a series of posts that will show that in the end where the real issues are and how to fix them. Some of them are simple, some are very difficult. None are impossible. It is a matter of the will and whether or not “wellness” is important to the American Public.

Hub Firms – Creating a Local Economy

June 5th, 2009

Referral Institute of Michigan is launching a business affliation marketing model called HUB Firms in an effort to create a new, stable, and prosperous economy for all the businesses within the affiliation.  The approach is simple as it applies the principle from BNI – Business Network International of Givers – Gain and takes it to the next level. 

Within a BNI Chapter Business Owners work together to provide each other referrals.  The concept of HUB Firms employs the BNI concepts of Contact Spheres and Target Markets and ties them all together into a very strong business alliance.  That alliance is made up of unique business classifications that have the same Target Market, and they consolidate their efforts to go after a Target Market(s) together. 

Potentially all the businesses work with the same client to provide all the services the business alliance represents.  In this way each business only has to reach only one per the number of members in the alliance.  Meaning if there are six businesses in the alliance a business only has to gain 1/6th the number of clients to maintain stability.  We all know however that most businesses have lost business, so therefore this method could allow a business to not have to be the front line of gaining so many new customers.

I have to appaud Referral Institute of Michigan’s effort, specifically Tim Green who is a key leader of the organization to train business owners and leaders how “to work less, play more, and double your income!!”

More For Less in Education

March 3rd, 2009

A couple weeks ago after attending a Fraser Community Public Schools http://www.fraser.k12.mi.us/awareness meeting on the budget – or lack thereof, even though the district is doing all the right things, they cannot stay in front of the sloping financial curve.   In an effort to shore up education in Michigan there have been several laws that have passed that require things like full day Kindergarten, for students to take at Algebra II to graduate, and several other initiatives that require significant costs to the district budget without the State providing the funds to take on the extra costs.

At the meeting there were Michigan State Representatives and a Senator that admit they goofed up and did not require budget increases as they passed these laws.  It goes to show that Michigan’s legislature is as stupid and negligent as I think they are.  K-12 Education in Michigan needs to get back to the basics, and look to get in front of the sloping financial curve, and take a close look at providing a strong basic education for much less than they are today.  Here are a few ideas.

Dumbing Down American Education -Did you know in the 1830’s there was a decision to form the US Education model over 12 years instead of 10 like other countries?  In fact if students were to attend school year round they could graduate with a grade 16 education in 10 years.  That is why many homeschoolers prove the point.  In order for school districts to survive in Michigan they must position themselves to attract students.  To crack the code to provide the best possible education for the same or less dollars is what will do it.  I am glad that Fraser Schools is driving towards those ends (not without significant challenges), and I am glad that districts like West Bloomfield Schools have figured out how to empower students to obtain not only a high school diploma, but also an associates degree from Oakland Community College!!  So it is possible no mater what ANYONE has to say about it!!

Health Education – Health Education is backwards and upsidedown.  It shows because we have a bunch of fat unmotivated children, and now adults who have few life skills and are so uncoordinated it is not funny.  We need to understand and act on ideas that – “paying a little now pays big dividends later.”  We need to get rid of things like junk food in schools, soda pop machines, and cafeterias need to serve wholesome menus to include organic milk and other organic foods, staying away from all preservatives, and most all fried foods and such.  Unfortunately it takes someone who knows what they are doing.  Perhaps it costs a little more, but over time wholesome food costs lower because the volume of purchased organics rises and drives demand and support by growers.  From this we would see more available at the grocery store for less as a result.

Additionally, schools would better serve its students if they required students to be involved with sports and physical activity of their choice throughout the school year.  Activity that provides cardiac exercise, eye-hand coordination, balance, and muscle growth all contribute to higher grades.  For instance all 5 year olds should know how to ride a bicycle as balance, and eye-hand coordination skill gives the student a stronger capability to learn how to read.  Engaging in sports helps the student exercise their brain for critical thinking and responding in kind.  The list goes on…  Bottomline we must spend a whole lot more time eating right and being active on our feet instead of on our backside playing computer games or watching the TV.  Fewer preservatives, more activity will reduce the amount of medication needed for students that take medication to help them stay calm and focus on their studies.

The Big Three – Being an Applied Mathematician I have learned the formula to groom a whole community of problem solvers without having to struggle through difficult math classes that frustrate the student.  That formula has three elements.  The first element is to begin teaching music to children as early as 3 years old.  Five year olds should be able to read basic music rhythms and be able to relate those notes on a piano, guitar, or violin.  The student may opt to sing instead, however that is not quite as effective in this case, but it worked for me.  The student should continue this all through school and adopt music as a life skill.  The key is for the student to learn to read and play or sing music.   As an alternative Art can work as well.   Some students do both, but that combination does not add to the formula.    Bottomline, if a student learns advanced art techniques this works as well .  So why is this so?  Simply put the exercise of music and/or art grows the connector between the brain lobes.  The connector size/growth has a 1 to 1 relationship with ones ability to score higher in mathematics and perform problem solving.  What does that mean?  Without the need to stress a stronger math cirrculum you will have up 50% higher scores overall.  These numbers were confirmed by a national study that was taken over 25 years with over 250,000 students.

The last element is to implement an Applied Mathematics K-12 Education Curricullum.  I am happy to say I am currently engaged in helping deliver such a Curricullum.  For the team editing this program it is a radical, very intense exercise over traditional methods, but over time I believe we will get there.  What does this mean?  Have you ever asked yourself, “Why are we doing this math assignment, I’ll NEVER use it!!”  As an Applied Mathematician I agree!!  So ALL math lessons need to include examples and problems that relate directly with life skills everyone in the US should know.  I know this works after developing specialized math classes for high school students that plan to be accountants, work in a shop, work in a kitchen, or work the trades in construction.  Over 30 years later students still come away ready to become what they studied to be, never asking “why I do I have to learn all this?”

Mastering Reading Writing and Arithmetic -The three R’s are the basic building blocks for learning.  Without them a student will struggle with everything else.  The foundation should be set to build on before 7th grade.  Math skills should include a student mastering 25×25 times tables, division, percentages, averages, and the basics for Algebra I.  The student should be able to read at a rate of 600-1000 words per minute and be able to comprehend the material.  Furthermore the student should be able to read at a 12th grade level – by the 7th grade.  The student should have a solid understanding of English grammar constructs, and be able to translate into other languages like Spanish using grammar constructs between the two languages.  The student should be able to write poetry, short stories, and have a basic understanding on how to write a research paper.  The student needs to have obtained a 12th grade level in vocabulary – by the 7th grade, and be able to write using that vocabulary.  If all that happens; science, business, mathematics, etc all become easy to pick up for the student.  The student then has options and a pivot point to begin focusing on what they will and who they will become.  Without it the average student does not have as many opportunities that they can have.  In our currect economic state, having options is a key to survival.  So I do not believe we have much of a chioce over the next decade.  As a result less time needs to be spent on social studies and projects that take away the focus needed to obtain these goals.  Also, creating a program that bridges the gap in the summer will also help the student to get them there.  You may not believe this is possible. 

Again I beg to differ as I personally had a special gift in that my father was a student of the history of the English Language.  He was a “stoneman” in the financial printing industry where he corrected the type, grammar, puncuation, spacing, you name it.  All upsidedown and backwards!!  He showed me his grammar book from elementary school published in 1935 and it was so far advanced from my 6th grade book it made my head spin, but eventually I got it.  In sixth grade I also recieved another gift, and that was a teacher that spent the whole first semester teaching the class how to read well, and read fast.  So after my first semester I was able to read over 800 words per minute with full comprehension, and over 1200 words per minute for casual reading.  So the second semester starting the 3rd week in January, I was able to complete all problems in Math, English, Spelling, Science, etc. and I finished before the last week in May.  In the end I read several hundred books that year and my ability to absorb information was incredible. 

Sixth grade happens to be physically the right time to put all this together.  I also believe that 6th grade should not be part of Jr. High as the key year for learning gets lost in the new social arena puberty brings.

In conclusion we have a long way to go in order for the US to really compete in the World Forum of Education.

WOMBAT – Word of Mouth Marketing Business Acquisition Tactics

March 3rd, 2009

In the book The World’s Best Known Marketing Secret written by Business Network International’s founder and CEO Dr. Ivan Misner, he writes about WOMBAT – Word of Mouth Marketing Business Acqusition Tactics.  In short it is an exposition of how to position, present, and interlock with complimentary businesses within one or more business networks.

On positioning he writes about setting yourself and your business as the center of activity dealing with what he calls “power groups” such as the world of finance and all the individual peices that go with it.  Or centered around home ownership, the trades, mortages, real-estate, furniture and the like.  Reason being, you set yourself up to recieve more referrals that have a greater chance of turning into closed business.

On presentation he writes about being a great communicator and learning the skill of working a room quickly to gain new and potentially valuable contacts.  Communication is very specific in terms of portraying you and your business in 60 seconds or less in such a way that the listener can remember who you are and what you do.  Different communication tools come into play as well, such as name tags with your name and company / profession on it, an effective business card, and other valuable tools.  He also talks about how to conduct a business mixer vs a meeting and what to do in that mixer in order for a group of people to gain valuable contacts in a very short period of time.

Thirdly Dr. Misner talks about how to interlock your “center of influence” with several business groups, and to be the center of those groups.  He talks about how these interlocking puzzle peices create the windfall of referrals business owners look for.   When you understand and make this scenerio happen you will begin to see big results.

Another very handy part of this book includes all the homework with work sheets and a fairly detailed plan you can follow to obtain the results you seek for the referral part of your business. 

In conclusion I believe that WOMBAT is worth taking the time to learn about and to plan to integrate into your business marketing plan.

Recession Proofing Your Business

March 2nd, 2009

One of the best ways to recession proof your business is to join a business networking group that meets once a week for the sole purpose of passing referrals to each other.  Once such organization is Business Network International www.bni.com .  There are 1000’s of chapters world-wide and they offer training on how to become a great networker, how to present and represent yourself, your product and service, and your business.  What better way than to have a marketing staff that works for free and cares about your success as much as they care about yours.

A great book to read on the topic is The World’s Best Known Marketing Secret by Dr. Ivan Misner.  You will learn what the term WOMBAT is and how to apply it not only to your business, but you as a person.  With the skills and ideas that you will obtain, you will understand how to Recession Proof Your Business.

Low Cost Tools to Secure Personal and Business Assets

January 23rd, 2009

Business and Personal Assets At Risk, Protect Them!!

 

In tough times business and personal assets are risk to the point where trust to work together (B2B or Client to Business) is stifled deepening tough times.  Recently, I have been turned onto a combination of tools that allow for the business and individual to protect themselves from those on the prowl for easy prey.  I want to talk about these tools to help mitigate your risk if “unsuspecting you” cross the prowlers path and find yourself having to defend yourself.

 

Business Receivables – Today businesses are afraid to do business on net terms which is built on faith and is supported by a stable economic base.  The abuse is so prevalent, integrity is non-existent.  Well, a new service now exists to secure your receivables.  The business that supplies this service is Enrich Michigan.  They have a patent on how to secure your receivables.  Currently I am negotiating with Enrich to help them take their work to the next level to help businesses begin to trust one another again and stabilize our economic base much faster than if this product never existed.  If you want to know more please send me a note on my CONTACT US tab and note Business Receivables and you can get the details on this new offering.

 

Identity Theft, Legal Fees, Contract Evaluation – If you use credit, credit cards, and the like you are subject to thieves that prowl off your statements thrown in the garbage, techies that steal information from processing databases and the like.  We are also subject to a society that is litigation happy, so if the public, or a business does not like something you did, a service a product or whatever, you find yourself having to defend yourself, or worse someone has stolen something from you or they did not honor payment due on an invoice you have to use an attorney, an expensive proposition.  Many times you weigh your options and you either do not pursue what is yours, or you bankrupt your business because it is cheaper to do that than it is to fight in court.  Yet, there are times when you need to have a legal eye review contracts and other documents so that you completely understand your options.  A newer service that compliments Enrich Michigan is Pre-Paid Legal’s Business Plan.  For a subscription of $75 a month you can reduce your legal exposure signifiancly as you can be proactive in all your legal proceedings.  They also provide expert discounted legal service, and a premium identity theft product that is second to none in the market.  Again if you want to know how to get the best protection for a whole lot less please send me a note through my CONTACT US tab.

 

Securing All Personal Assets – There is a new produce just coming out called My Peace of Mind.  It is an Electronic Vault that is managed by you and the executor(s) of your estate.  In this system you identify all your key assets and the contacts associated with those assets so that in the event you ever have a fire, flood, or catastrophic event you can recover all your vital information on line wherever there is a computer and the internet.  Have you ever misplaced or forgotten details like insurance policies, investments, bonds maturities, etc etc,?  This tool allows you to have your Estate File Cabinet on line – NOT YOUR COMPUTER – a tool that is completely secure but assessable by YOU.  Did you know that 30% of all redeemable insurance policies are never claimed?  People misplace them and the executor has no clue where it maybe.  So with this low cost tool you can ensure that your estate will stay intact and it will be able to provide for you and your family when it is meant to.  I will be talking more about this tool, but if you want to know more please send me a note through my CONTACT US tab.