**********

When life gets tough, or when money gets tight, always keep your Pre-Paid Legal membership – and actually USE IT.

Do you think going it alone will turn things around for you?  The best way to make progress in your life is to seek out the best advice and counsel, on any kind of challenges as you face them, from your attorneys.  This empowerment is no longer restricted to just the rich.

They have had this power to themselves for far too long – until PPL came along for the rest of us.

I have heard people over the years say once in a while “I need to cancel my PPL membership due to no having much money.”  Or maybe they had not been using it.  Once I talked and counseled with them, they realized they likely got to that broke place because they did things WITHOUT expert advice and help.  So they often kept their membership, and actually started calling the law firm for guidance and changed their lives for the better.  To restate the point, they just didn?t know what they didn?t know, which held them back. But after talking, they felt empowered because of PPL.

Never go back to “Un-Equal Justice Under Law”. Never go back to being alone in a tough and unfair world where you are taken advantage of as “the little guy”.

Never feel insecure, unprotected, poor, or helpless again – because you have hundreds of powerful attorneys who have your back at all times when you need them. Since you have this exclusive Pre-Paid Legal membership, you should always remember to feel confident, secure, empowered, protected, and wise in negotiations throughout life.

Remember to call upon your law firm when any question in life enters your mind about your rights, being treated unfairly, or just negotiating the best deal for you.

Maybe the person who sold you your PPL membership did not fully explain the powerful asset that they helped you sign up for – and for that we apologize. But now you know.  And you will know even more once you begin to use your membership in your life.  It is always better to have it and not need it, than to need it and not have it (from the standpoint of actually making calls to your attorneys).  But just think, the peace of mind of knowing you are protected – even when life seems to be going just fine – is priceless.

Well worth the few coins a day – to get on a track of a peaceful, less-stressful life of good decisions.

As time has passed since you became a member of PPL, also know that your paid hours for a lawsuit trial defense have been adding up and accumulating in your account for you, at no additional cost.  And your IRS audit hours are there to use in case the IRS decides to come for an audit for any years starting with the one you filed in the year you joined PPL and forward. Have you had your Will drafted yet?  That will be done for free as a part of your service, so please do that for your family?s sake.  And if you can think of any question in your life needing an answer right now, please pick up the phone and make the call.  Feel the empowerment.

Sincerely,

Brian Carruthers

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Lenders filed an average of 272 foreclosure actions in South Florida each day in October, an 8 percent increase from the same time last year, according to Condo Vultures report.

The October activity is also an 86 percent increase from 2007, which could mean more trouble for the residential real estate market.

But, the overall pace of foreclosures is slowing for the year, said Peter Zalewski, managing principal of Bal Harbour-based real estate consultancy Condo Vultures, which tracks sales activity in the tri-county area.

Condo Vultures projects that 2009 will log 98,000 actions this year based on the pace of foreclosure filings to date. The high volume of activity earlier in the year put the tri-county area on pace for 102,000 foreclosure filings.

“Foreclosure filings are up from last year, but beginning to slow in volume compared to a quarter or two ago,” Zalewski said.

Looking at the first 10 months of the year, lenders filed foreclosures against 75,000 properties in 2008 and 33,000 in 2007. Foreclosures through the end of October this year represent a 28 percent increase compared to the same period last year.

Broward is leading the pack, with a 21 percent year-over-year jump – with 4,002 foreclosure actions filed in October. Miami-Dade saw its foreclosure activity grow by 10 percent, and Palm Beach actually saw its numbers drop by 9 percent.

The rise in foreclosure activity does not coincide with a rise in inventory, as would be expected. In fact, South Florida’s residential resale inventory dropped 1.1 percent on a week-over-week basis on Nov. 2, to 69,342 single-family houses, townhouses, and condominium units, according to the report produced using Florida Association of Realtors data.

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• Companies:

  • Amedisys Inc.
  • Google Inc.
  • Lhc Group, Inc.

Is it possible to outperform the market using a strategy that uses only two variables? On Dec. 2, 2005, I started tracking a portfolio I based on the writings of Joel Greenblatt, a strategy he called his “Magic Formula.” He described this formula — which is “magical” in that it includes only two variables — in his bestseller The Little Book That Beats the Market.

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Symbol	Price	Change
AMED	40.67	+0.29
GOOG	540.30	-7.99
LHCG	30.60	-1.05
MHG	7.13	0.00
MHP	29.22	+0.09

No sophisticated investor would take a chance on a formula based on magic, and there is not much reassuring about a book that calls itself “The Little Book That Beats the Market,” but I have looked at Greenblatt’s strategy in detail and decided to include it among the other legendary strategies I offer on my site for one reason — it works.

It’s not magic, despite its name, and there is nothing little or insignificant about it. As a way to invest in the stock market, Greenblatt’s strategy sits comfortably among those of the giants of the investing world. Since I began following it, it is up 46.6%, compared to a loss of 14.5% for the S&P 500 over the same period. Year to date, the Greenblatt strategy is up a sterling 64.0%, as compared with the S&P 500′s gain of 19.7%. You can see more detailed performance for it on my model portfolio page.

Why does the strategy work? Because it looks it focuses on two variables that get to the core of successful investing — profitability and valuation.

One of the two variables used is return on capital, which measures how profitably a company is using its assets. This is similar to return on assets, but ROC uses earnings before interest and taxes instead of reported earnings (which is typically used with return on assets) because debt payments and taxes can hide how well a firm’s actual operating business is doing.

Why look at ROC? Because it is a measure of a company’s competitive advantages. Companies with high ROC tend to be able to charge more than no-name competitors — take for example Toyota vs. some of the Chinese carmakers reportedly interested in entering the U.S. market. Or perhaps the company has a strong competitive position — as is the case with Google , which can offer capabilities to customers its smaller competitors cannot.

The second variable addresses earnings yield, but again, Greenblatt has some variations on a common theme. Once more he uses EBIT rather than earnings, and divides this by the value of the company, which includes the price of the company’s shares along with the amount of debt used to generate earnings. Another way to look at this is that this variable measures the return one could expect if one bought the whole company, including its debt.

With these two variables (which he weights equally), he ranks the 3,500 largest stocks — the higher the ranking, the better.

So which stocks are now highly ranked by this strategy? One is Pre-Paid Legal Services , which provides a form of insurance that reimburses members for legal expenses, much as medical insurance reimburses members for medical expenses. Its earnings yield is 21.19%, giving it a rank of 16 out of all stocks, and its return on total capital comes to 104.42%, earning a ranking of 32. However, when combined, Pre-Paid Legal Services is No. 4 among the stocks in our database. That’s impressive.

Amedisys is another Greenblatt favorite. It provides home health care services in the Southern and Southeastern regions of the country. This company’s earnings yield is 13.82%, which garners a ranking of 98, while return on total capital is 330.65%, a return that ranks fifth among the stocks in our database. Combined, Amedisys comes in at No. 8, a very strong result.

Another company that meets these tests is LHC Group , which provides both home- and facility-based health care services primarily to Medicare beneficiaries in the Southern U.S. Earnings yield for this company is 13.89%, good for a 95 ranking, while return on total capital is 122.23%, 19th among all stocks. Combined, its ranking is No. 9 out of our total database of stocks.

The strategy also likes venerable book publisher McGraw-Hill Companies , which is in the process of selling its Business Week magazine to Bloomberg. Its earnings yield is 12.42%, ranking it 149, while its return on total capital is 149.90%, earning a 13 ranking. In total, McGraw-Hill is ranked 13th among all the stocks in our database.

Greenblatt goes out of his way in his book to point out that, like all strategies, his will not work every month or every year. And that fact is what allows it to continue to work in the long term — its strong track record and common-sense approach make this strategy one worth paying close attention to.

Please note that due to factors including low market capitalization and/or insufficient public float, we consider Pre-Paid Legal Services to be a small-cap stock. You should be aware that such stocks are subject to more risk than stocks of larger companies, including greater volatility, lower liquidity and less publicly available information, and that postings such as this one can have an effect on their stock prices.

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ADA, Okla., Oct. 20 /PRNewswire-FirstCall/ — Pre-Paid Legal Services, Inc. (NYSE: PPD – News) is ranked number 66 in the 2009 Forbes Magazine annual list of “America’s 200 Best Small Companies,” climbing 64 positions from its 2008 ranking of 130 on this list. For the second consecutive year Pre-Paid Legal Services has retained the number one ranking in the Forbes survey in the category of return on equity (RoE), a measure of how efficiently a company uses its assets to produce earnings.

Related Quotes

Symbol	Price	Change
PPD	43.28	+0.69

{“s” : “ppd”,”k” : “c10,l10,p20,t10″,”o” : “”,”j” : “”}

“It’s gratifying to see Pre-Paid Legal Services recognized once again in the Forbes list of best small companies in America,” said Harland C. Stonecipher, Founder and CEO of Pre-Paid Legal Services. “We are proud to be listed among America’s finest small companies and we are especially pleased that our bottom line results have merited such high ranking.”

Stonecipher describes the PPD’s repeat performance as the number one ranked company for return on equity as significant. Earlier this year, DeMarche Associates, an independent investment research firm, named PPD as one of the 100 best U.S. corporations, based on the company’s growth and risk management strategy.

PPD’s 2009 Forbes ranking (based on $453 million in sales), included the 192nd position for sales growth and the 128th position for earnings per share.

PPD has been on the Forbes list for the past three years, which in itself is a measure of stability. According to Forbes, 71 of the 200 companies listed last year fell off the 2009 list. The Forbes list rankings are based on earnings growth, sales growth and return on equity for the previous 12 months.

About PPD

We believe our products are one of a kind, life events legal service plans. Our plans provide for legal service benefits provided through a network of independent law firms across the U.S. and Canada, and include unlimited attorney consultation, will preparation, traffic violation defense, automobile-related criminal charges defense, letter writing, document preparation and review and a general trial defense benefit. We have an identity theft restoration product we think is also one of a kind due to the combination of our identity theft restoration partner and our provider law firms. More information about our products and us can be found at our homepage at www.prepaidlegal.com.

Forward Looking Statements

Statements in this press release, other than purely historical information, regarding our future plans and objectives and expected operating results, dividends and share repurchases and statements of the assumptions underlying such statements, constitute forward-looking statements within the meaning of Section 21E of the Securities Exchange Act of 1934. The forward-looking statements contained herein are based on certain assumptions that may not be correct. They are subject to risks and uncertainties incident to our business that could cause actual results to differ materially from those described in the forward-looking statements. These risks and uncertainties are described in the reports and statements filed by us with the Securities and Exchange Commission, including (among others) those listed in our Form 10-K, Form 10-Q and Form 8-K, and include the risks that our membership persistency or renewal rates may decline, that we may not be able to continue to grow our memberships and earnings, that we are dependent on the continued active participation of our principal executive officer, that pending or future litigation may have a material adverse effect on us if resolved unfavorably to us, that we may have compromises of our information security, that during an economic downturn in the economy consumer purchases of discretionary items may be affected which could materially harm our sales, retention rates, profitability and financial condition, that we could be adversely affected by regulatory developments, that competition could adversely affect us, that we are substantially dependent on our marketing force, that our stock price may be affected by short sellers, that we have been unable to increase our employee group membership sales and that our active premium in force is not indicative of future revenue as a result of changes in active memberships from cancellations and additional membership sales. Please refer to pages 15 – 17 of our 2008 Form 10-K and pages 7 and 8 of our June 30, 2009 Form 10-Q for a more complete description of these risks. We undertake no duty to update any of the forward-looking statements in this release.

via finance.yahoo.com

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Press Releases

Pre-Paid Legal Services, Inc. Recognizes Associates Achievement

October 22, 2009 7:00 AM EDT

ADA, Okla., Oct. 22 /PRNewswire-FirstCall/ — Since Pre-Paid Legal Services, Inc. (NYSE: PPD) announced the re-launch of its marketing program at the 2009 Leadership Summit, there has been a significant increase in the number of independent associates achieving senior-level recognition and earnings with the company.

“We have delivered a strong message about the growth potential at Pre-Paid Legal.”

Services and our independent sales associates are responding to this opportunity,” said Harland C. Stonecipher, Founder and CEO of Pre-Paid Legal, Inc. “For the four-week period, from September 21 through October 16, 2009, we have seen more activity at all levels within the associate network, and we are proud to announce 13 major recognition and earning awards.”

These associate recognition and earnings awards (Editors: see note below) include:

–  $100,000 Ring Earners: Michael and Lisa McCoy (Clive, Iowa), Scott and Ronda Ferguson (Houston, Texas), Ryan Sean Burns (West Jordan, Utah), Trina Robinson and Austin Kemie (Los Angeles, California)
–  $250,000 Ring Earner: Chris and Sky Hughes (Murrietta,
California)
–  $300,000 Income Earners: Frank and Theresa AuCoin (Charleston, South Carolina), Sean and Loren Mikael (Los Angeles, California)
–  $800,000 Income Earner: Mark and Tammy Smith (Mission Viejo, California)
–  $1.5 million Income Earner: Brian Carruthers (Davidsonville,
Maryland)
–  Millionaire Club Member: Kim Ferris (Amherst, New York) and Joe and Doreen Wilkinson (North Richland Hills, Texas)
–  Platinum Level Award: Danny and Charlotte Walker (South Pete Beach, Florida)

Stonecipher referenced timing as a key variable in the recent surge of associate success. “In this economy people need legal advice — they have legal issues — and they need additional income,” Stonecipher said. “Our product and opportunity provide access to legal counsel and a way to generate more cash flow, both in the form of first-year commissions and residual income in later years.”

Editors Note:

Associate earnings are either for commissions earned during a 12-month period (which includes the “corporate ring system” given at earning levels of $100,000, $250,000, $500,000 and one million dollars) or for the Millionaire Club (which includes associates who have achieved one million dollars in commissions during their association with PPD). Pre-Paid Legal recognition includes other programs, such as the Platinum awards, a network leadership designation.

About PPD

We believe our products are one of a kind, life events legal services plans. Our plans provide for legal service benefits provided through a network of independent law firms across the U.S. and Canada, and include unlimited attorney consultation, will preparation, traffic violation defense, automobile-related criminal charges defense, letter writing, document preparation and review and a general trial defense benefit. We have an identity theft restoration product we think is also one of a kind due to the combination of our identity theft restoration partner and our provider law firms. More information about our products and us can be found at our homepage at www.prepaidlegal.com.

Forward Looking Statements

Statements in this press release, other than purely historical information, regarding our future plans and objectives and expected operating results, dividends and share repurchases and statements of the assumptions underlying such statements, constitute forward-looking statements within the meaning of Section 21E of the Securities Exchange Act of 1934. The forward-looking statements contained herein are based on certain assumptions that may not be correct. They are subject to risks and uncertainties incident to our business that could cause actual results to differ materially from those described in the forward-looking statements. These risks and uncertainties are described in the reports and statements filed by us with the Securities and Exchange Commission, including (among others) those listed in our Form 10-K, Form 10-Q and Form 8-K, and include the risks that our membership persistency or renewal rates may decline, that we may not be able to continue to grow our memberships and earnings, that we are dependent on the continued active participation of our principal executive officer, that pending or future litigation may have a material adverse effect on us if resolved unfavorably to us, that we may have compromises of our information security, that during an economic downturn in the economy consumer purchases of discretionary items may be affected which could materially harm our sales, retention rates, profitability and financial condition, that we could be adversely affected by regulatory developments, that competition could adversely affect us, that we are substantially dependent on our marketing force, that our stock price may be affected by short sellers, that we have been unable to increase our employee group membership sales and that our active premium in force is not indicative of future revenue as a result of changes in active memberships from cancellations and additional membership sales. Please refer to pages 15 – 17 of our 2008 Form 10-K and pages 7 and 8 of our June 30, 2009 Form 10-Q for a more complete description of these risks. We undertake no duty to update any of the forward-looking statements in this release.

SOURCE Pre-Paid Legal Services, Inc

via streetinsider.com

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Corporate litigators may find themselves facing a dramatic upswing in business, according to a report from the law firm of Fulbright & Jaworski.

Eighty-three percent of U.S. and U.K. companies surveyed reported that new litigation has begun against their companies in the past year.

Of the companies that responded to the sixth-annual Litigation Trends Survey, 38 percent said the primary reason is the economic downturn.

Forty-two percent said they expect an increase in legal disputes in the next 12 months. The survey polled 408 company lawyers between May and July.

Respondents from large-cap companies were the most concerned about higher levels of litigation, with 52 percent saying they expect more legal disputes. In the public company segment, 47 percent of the respondents expected an upswing in litigation.

The areas likely to experience more litigation involve bankruptcy, contracts and labor-employment, the report concludeds.

Increases also have been noted in the areas of intellectual property, insurance and regulatory actions, although they are experiencing more modest increases, the report said.

The one industry that appears less impacted by the swell of litigation is health care.

Whistle-blower investigations also are about to make a comeback, the report concluded.

“Looking to 2010, 16 percent of all respondents say they expect the number of internal investigations involving their company to increase,” the report noted.

As part of the trend, more corporate in-house counsel are starting to see more active regulators and expect the number of investigations into corporate business to increase.

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Pre-Paid Legal In The News

Recent US Chamber Magazine article highlights Debt Collection as leading nationwide service request among legal service plan members of Pre-Paid Legal Services, Inc., during the second quarter of 2009.  “The Pre-Paid Legal Top Five List is intended to be a snapshot of the issues that legal service plan members face today.  Given the economic hardships that so many Americans are experiencing, it’s not a pretty picture,” says Pre-Paid Legal Services Founder and CEO Harland C. Stonecipher.

Posted on October 15, 2009 Current Affairs | –>Permalink |

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As we move forward to the public launch of Blastoff Network, it has been decided to increase the enrollment period for existing Pre-Paid Legal Associates. Active Pre-Paid Legal Associates now have through October TBA, 2009, 11:59 PM to activate their free Blastoff Network account and to sponsor new Associates who can then set up their own Blastoff Network accounts. Then, beginning at 12:00 AM, Midnight on October TBA, PPL Associates will have their two week EXCLUSIVE marketing window. No new Blastoff Network accounts will be created unless the introduction came through an Associate! Meaning, no new Blastoff accounts are created outside of the PPL/Blastoff Network Organization! We do want to clarify that individuals joining during the second phase can join Blastoff Network through a PPL Associate and can then also send invites and have others join who are not associates.

And then, beginning at 12:00 AM, Midnight on October TBA Blastoff Network will go live to other groups across the United States and Canada. And, with the time extensions above you will have had the opportunity to have already built a huge Blastoff Network organization and you’ll be creating massive awareness for Pre-Paid Legal Services, Inc. with your new group of non-PPL Blastoff Network members!

Take advantage of this additional time to contact your Associates and get them to activate their Blastoff Network account.

And, be sure your new recruits are also taking the time to activate their Blastoff Network accounts that become available to them

72 hours after their Pre-Paid Legal Associate Agreement has been processed. Don’t forget to take advantage of the $99 special that is available right now for your new Associates with a membership as well as the Director bonus. Month end is just around the corner and you want to be sure you continue your August momentum and push yourself as high into the commission structure as possible.

Blastoff Network Member w/o being a PPL Associate:

• FREE to become a BlastOff Network Member
• Earn up to 10 levels/degrees of separation deep, and unlimited width, in rebate commissions from your entire network
• Earn Money on your own purchases made thru your site
• Receive discounts and special offers from Blastoff Vendors
• Start growing your Blastoff Network on October TBA, 2009

BlastOff Network Member as a PPL Associate with a Membership:

• FREE to become a BlastOff Network Member
• Earn up to 20 levels/degrees of separation deep, and unlimited width, in rebate commissions from your entire network
• Earn Money on your own purchases made thru your site
• Receive discounts and special offers from Blastoff Vendors
• Earn income from your PPL Business whenever anyone presses the “Legal” button on a hub page within your network and purchases a family, business or ID Theft membership.
• Build a Team with your PPL Business which can grow to unlimited potential and create residual income
• Start growing your Blastoff Network business NOW and invite your entire network of family, friends, etc.

What does all of this mean to me?

Some of you may be more interested in the Pre-Paid Legal Opportunity while others are only interested in Blastoff Network. Some people see the great advantage of being a PPL Associate and Member and what it can do not only for their PPL business but also their BlastOff Network Business. The extra 10 levels/degrees of cash rewards; income from PPL Memberships purchased online; starting a network a full 2 weeks before the rest of the world can join – these are great selling points!

Do I have to sell PPL Memberships if I become an Associate?

NO, You do not ever have to personally sell a PPL Membership or Recruit anyone. If you would like to make the online Legal sales commissions you will need to have an active PPL Membership and have an active eService PPL Website for people to enroll on. Some people are signing up for the service strictly to take advantage of the 20 levels of cash rewards. You automatically receive 3 free months of eService when you become an associate so if you decide that PPL isn’t for you then don’t renew your web account. The next PPL Associate in your ‘upline’ who has eService will benefit from the online Membership sales and you’ll still get all of your BlastOff Network monies at 20 levels. It’s a win-win either way!

If you are going to become a PPL Associate to take advantage of the 20 levels of income earning potential and the 2 week pre-launch period then why wouldn’t you tell other people what you are doing and why and see if they’d like the same opportunity

Source: www.blastoffpress.com

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