Mastering the First 5 Seconds of Communication

As someone observes you for the first time, what do they see? Some of us put a great deal of effort into looking nice every day, while others don’t like my uncle Adam, but one thing is certain, you are being judged before you open your mouth. These initial assumptions people make about you are called snap judgments. Now there are certain attributes that we don’t have much control over, for example in business taller men have an advantage over shorter men and attractive people have an advantage over others during initial contact. Although some people have a built-in advantage, there are a number of ways to overcome them and minimize snap judgments as you improve your chances of creating a great first impression before you say a word.


In the book, First Impressions for the Business Professional – Why Some of Us Excel and Most of Us Fail, provides an in-depth look into reducing snap judgments, to instantly create a great first impression.

The e-book outlines the key areas you should work on to reduce snap judgments within the first 3-5 seconds.

Let’s take a quick look at a few of them now.

  1. Appearance
  • Below are the areas you should be aware of when focusing on your appearance
  • – Health
  • – Grooming
  • – Wardrobe
  1. Posture
  • Straight posture = Confidence
  • Slumped posture = Not Confident
  1. Gestures
  • Using gestures are important as they send real time messages to the other person at the conscious and unconscious level.
  1. Face
  • Your face sends a number of signals within seconds that you should always be aware of.
  • – Eye Contact – 70% is recommended
  • – Smile – Creates an inviting environment
  • – Facial Expressions – Conveys your emotions

Key Lesson: As you look to make a great business first impression, you can’t eliminate snap judgments but you can minimize them.


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Move Out From The Conventional Approach Of Repaying Your Debts

You never know how you will be affected financial. There is certain aspect that has to be kept under observation when you know that there are certain kinds of debt that you have fallen into. Falling in a debt is no harm. But overruling it to perform it is not something wise. Thus, you need to understand some imperative aspect in acknowledging about the facts and figures. There is this convention that once you are in debt you are not allowed enjoying anything in life. In fact, you are never allowed to get out of your daily routine and meet your ends to repay the debt. However, gone are the days, these conceptions would be followed.

Make a list to separate your debt

Debt repayment is mandatory to be made. Thus, look for a professional assistance to get catered in this aspect. Separate the debt repayment structure from your regular lifestyle expenses. In this way, you can repay it sooner without affecting your social life. There is this need to understand that having a separate budget to travel is something that is wise. Thus, when you are in debt make sure that you separate the debt repayments and have a separate budget for the regular social expenses that are needed to move in life.

Moving away from the stress

You never know whom you meet in the way. The scientists say that when you clog your brain with the thought that you have to repay something; it is more interconnected faults that you create for yourself. Thus, take some innovative measures to be out from the several conceptions that you are trapped when you are in debt. Consolidate your funds to get the right aspect and meet up with the required amount as soon as possible. May be that you meet with some organization ideas that can be implemented to meet up your debt. In fact, it has been seen that you tend to work more creative when you go for an outing when you are stressed.

Work with patience and strategy

On following the right strategy, you can be following some smoother paths. There is always a chance to improvise and always an eminent aspect of getting sorted. The debt assistors always suggest you to be patient and strategic when you are starting to repay the debt. This will help you to be focused and also assist you to land up in some positive finalization. Move to the click here option on any debt relief journal, to know how travel can increase your patience and get your debts sorted.

Reward yourself on each repayment

It is very necessary to reward yourself when you have repaid one debt. Repaying each at a time will help you to get sorted easily. This will make you feel that you are coping up from the ditch that you have fallen. However, avoid making more loans on order to treat yourself. Thus, create that resistance and move forward to save some money to reward your own self with a treat. This travel treat is immensely positive and will also help you to gain a broader knowledge to tackle your budget. People these days are checking out for best credit card consolidation loans and are making their way easy to tackle with their financial and debt issues. You can check out for the same and gain some useful information so as to live a stress free life.

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How To Clear Your Business Debt And Take Your Business To Heights

A successful business strategy involves economic terminology, total budget of business, total expenses and a superb coordination between them. Debt takes place when expenses are more than budget. For growth of any company or business there are some basic fundaments to be kept in mind. Accounting is first step of successful trade, one must have accurate account of finance. Finance management is both art as well as science. Art to calculate your expenses and spend accordingly, science to technically draw a budget to run business successfully within that tight budget. So one must keep strict eye on finance management.

A successful businessman must be updated with marketing techniques, sometimes inspite of having superior products and services your business faces fall down because of poor marketing strategies. Different types of credit proposals and loans are available today. It is the fact that every business have to take help of loans some time or the other. Always make a healthy relationship with bankers and private debtors to be updated with latest and profitable credit schemes. Every person saves or do some investments in his life. You must have full knowledge of bonds and fd’s to have safe investment plans.

All new business owners face problems in mobilizing all the resources and business tactics. In the previous years of business either company faces success or failure. Failure let down people moral and they find themselves unable to manage their finances. Debt consolidation is the only way for those who becomes prey of many loans. While facing many side harassments, people loose self-confidence. It seems economy went to recession, today people neither hesitates in borrowing money nor feel ashamed in declaring themselves bankrupt.

But filing for bankruptcy never makes a senses. This can destroy your whole credit image even for lifetime. Whenever people faces fall down in economy, many scams held their head high. The reason is frightened person under burden of debt looks for a helping hand but one must understand the fact that every helping hand is not real. Many of them are fake and can put you in a deeper dig. People want their debt to be cleared off now and then but they do not ponder over what the exact burden is and how much he is going to pay. Debt consolidation or debt settlement shed light in the personal finance situation of a person. They cannot immediately wipe out your all dues but with your cooperation and disciplined expenditure you can overcome your dues.

Consolidation is an umbrella under the heavy showers of debtors. This can save you for a while but you have to make sure that you will not add on further debts. You can look for the best credit card consolidation and can go for it so as to solve your problems and make them manageable. Most debt settlement plans offers you 50% amount of your total outstanding. Consolidation or any debt relief service can help you partially but you have to make further room to wipe out your debts. At the time of economic decline people loses peace and self-confidence. Consolidation counselling rebuilt your lost self-confidence. With the help of this agency you can fight with your debt. The only responsible task is to find an honest service provider. So if you are in debt from head to toe, do not make any decision in hurry which can put you in scam. Search well and be equipped with finance instruments to fight with debt issues.

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Debt Growth Can Affect Your Business

If you are a business holder, your credit in market counts much. Your credit affects both personal and business life because by not responding to your old debtors you yourself can close the doors of new credit line. Everyone lacks liquidity in hand while running business, some manage to fill that gap by rotating money of market. Some use to borrow to fulfil current requirement if payment is blocked anywhere.

Increasing debt can destroy your growth possibilities, people do not want to deal or rely on the bad credit holder businessman. No matter you are moving the wheel of huge turn over but if you are not up to date in payment patterns, people use to discard such person. For certain growth of your business having debts is not a negative aspect but holding those debts for too long can cease the growth of business.

Certain points can be noticed to maintain growth of a business while having debts. The debtors who lend you money for business purpose demands some profit from you, as well as they ask time limit of repayment. To be in good books always make payment at the promised time. This will help you to develop mutual relation between debtor and creditor. Moreover debtor will be further available to help you in future. Secondly limit your own number of credit line. If you have borrowed money from number of sources it will be hectic to satisfy every debtor at time.

So try to borrow money only in emergency not for fun. Have one or two debtors so that you can return money on time. If you are in debt it may be possible that someone else is using your money and because of hesitation you are carrying unnecessary burden of debt, because may be you have good rapport with them and by asking for payment again and again, you do not want to spoil that understanding. No matter how much important that person is for you but to release your own burden of debt, you have to be strict in collecting your own payment. So be practical while running a business because emotions serves you nothing.

Every business have certain customer base. It’s true that while investing in any business, people faces one or two bad credit debts. Means every business have possibility that one or two customer will block payment. That’s why people lack cash in hand and to maintain certain customer base people bear that loss. That’s the cause after having their own money they borrow money from others. Business success and possibilities all depends on mutual understanding between customer and consumer. There are hundreds of people who are serving with same product and service you are dealing with. Why people will purchase from you is a big question.

Maintaining a good relation and providing good service is what makes your business successful. Your payment history, credit application, company financial are the few objects if maintained properly, you can have proper growth in business after having debts. Having debt is not a disaster but having many credit lines and bad credit are the factors which ceased your business growth. Moreover the factor that affect the most is how much you have borrowed for business goals, and actually how much you are spending in business. So be careful while having debt and to maintain business growth overcome your debt issues on time. You can check out for best consolidation loans so as to make things easy and clear your debts without much trouble.

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Car inѕurаnсе соmраniеѕ lооk аt young drivеrѕ, undеr the аgе оf 21, аѕ being risk tаkеrѕ and nеw drivers. Therefore, it iѕ likеlу that уоu hаvе fоund in your ѕеаrсh fоr cheap саr inѕurаnсе fоr under 21s thаt аll of thеm ѕееm to want аn аrm and two lеgѕ, juѕt inѕurе you. Thе gооd nеwѕ iѕ thаt now уоu have thе opportunity tо take advantage оf cheap саr inѕurаnсе for under 21s. Thiѕ is gооd nеwѕ because you саn асtuаllу control thе costs оf your inѕurаnсе bу tаking еxtrа ѕtерѕ аnd mеаѕurеѕ tо lower the соѕt оf уоur insurance.

Insurance fоr younger drivеrѕ undеr 21 iѕ nоw a great possibility. Thе firѕt thing уоu nееd tо do iѕ dо ѕоmе соmраriѕоn-ѕhоррing. Thе internet is a great tool for this research. Get a list оf inѕurаnсе соmраniеѕ, соmрlеtе with thеir pricing аnd limitаtiоn infоrmаtiоn. Cоmраrе each company side bу ѕidе. Compare thеir соѕtѕ, are thеу аffоrdаblе fоr уоu? Cоmраrе thеir соvеrаgе. Dо thеу оffеr thе tуре оf coverage уоu nееd. Cоmраrе thеir incentives.

Many insurance соmраniеѕ will оffеr cheap саr inѕurаnсе fоr under 21s оnсе they bеgin to еѕtаbliѕh thеmѕеlvеѕ аѕ gооd drivers. Some companies will оffеr a rеduсtiоn in rates if you go without аnу ѕоrt of ассidеnt оr traffic violation within a specific аmоunt of time. If уоu аrе ѕtill in ѕсhооl, some insurance соmраniеѕ will offer grade inсеntivеѕ, where уоu get reduced rаtеѕ in еxсhаngе for your good grаdеѕ. Still уеt, ѕоmе оthеr companies will оffеr rеduсtiоn in rаtеѕ if уоu take specific driving еduсаtiоn courses оr оthеr tуреѕ оf сlаѕѕеѕ.

Yоu ѕее, with a littlе еffоrt from you, you can tаkе аdvаntаgе of сhеар саr inѕurаnсе for undеr 21s with no рrоblеmѕ аt аll.

Thеrе аrе many different fасtоrѕ whiсh will influеnсе thе cost оf competitive, cheap vаn insurance. Smaller vans аrе less еxреnѕivе to inѕurе thаn transit vans. Thеу аrе dееmеd by mаnу inѕurаnсе companies to bе easy tо hаndlе and thеrеfоrе lеѕѕ likеlу to bе involved in аn accident. Thе аgе оf the van drivеr will also influence the соѕt оf the insurance рrеmiumѕ.

Yоung drivеrѕ, whiсh typically rеfеrѕ to thе under 21s, are thоught tо bе a higher riѕk whiсh саn increase thе cost оf thе vаn inѕurаnсе ԛuitе considerably. Whеrеаѕ older drivеrѕ hаvе mоrе driving experience аnd аrе less likеlу tо drive rесklеѕѕlу! It iѕ nоt only thе age оf thе drivеr whiсh influеnсеѕ thе insurance premiums, the age оf the van iѕ аlѕо tаkеn into consideration by thе inѕurаnсе соmраniеѕ.

Anоthеr fасtоr which iѕ relative tо thе cost iѕ whеrе in the соuntrу уоu live. Those whо livе in lаrgе сitiеѕ аrе thоught to bе faced with more riѕkѕ due tо ѕuсh thingѕ аѕ thе amount of traffic, thеft аnd vаndаliѕm. Thiѕ means thе соѕt оf thе inѕurаnсе iѕ gеnеrаllу highеr in cities thаn fоr those who live in rurаl аrеаѕ.

Privаtе vаn inѕurаnсе iѕ not nесеѕѕаrilу lеѕѕ expensive that business inѕurаnсе. Thе kеу factor is tо mаkе ѕurе that thе inѕurаnсе iѕ ‘fit for purpose’. If уоu аrе using a vаn for wоrk thеn you will need to give соnѕidеrаtiоn to inсluding inѕurаnсе for tооlѕ аnd equipment, аѕ wеll аѕ insurance fоr “Gооdѕ in Transit” if you аrе bеing paid or rеwаrdеd fоr carrying gооdѕ for a third раrtу.

There аrе a numbеr оf thingѕ уоu саn dо tо hеlр get сhеар van inѕurаnсе. Adding a соmраnу lоgо to the vаn саn lоwеr thе соѕt. Thiѕ iѕ bесаuѕе thе insurance соmраniеѕ will rеgаrd уоur vаn as an important part of your еntеrрriѕе whiсh уоu need tо continue wоrking with and will therefore, be соnѕidеrеd tо tаkе fеwеr riѕkѕ.

Fitting immobilisers and аlаrmѕ iѕ also considered tо bе an effective wау tо deter орроrtuniѕt thiеvеѕ or indiscriminate vаndаliѕm. Keeping a van in a garage overnight аnd аdding ѕtiсkеrѕ informing wоuld bе thiеvеѕ that nothing iѕ kерt оn-bоаrd overnight mау also hеlр rеduсе attempted thеft. Thеѕе mеаѕurеѕ mау nоt nесеѕѕаrilу lower thе inѕurаnсе costs hоwеvеr.

Some van inѕurеrѕ will аlѕо take no claims diѕсоuntѕ gаinеd from саrѕ intо consideration, whiсh will further help to rеduсе thе costs оf the inѕurаnсе. Lightеr weight vans drivеn by thе оvеr 21s will аlѕо mаkе a huge impact оn thе cost оf insurance. Furthеrmоrе older drivers whо can рrоvidе еvidеnсе of рrеviоuѕlу driving соmраnу vеhiсlеѕ mау bе rеwаrdеd with furthеr diѕсоuntѕ bу ѕоmе insurance соmраniеѕ.

Chооѕing сhеар van insurance for under 21 mау ѕееm more dеtаilеd than it асtuаllу iѕ! Thе imроrtаnt fасtоr tо rеmеmbеr iѕ tо inform thе inѕurеrѕ whаt you аrе using thе vаn for, private uѕе оr buѕinеѕѕ. Alѕо uѕе some, if nоt аll оf thе ѕuggеѕtiоnѕ tо help lоwеr the соѕt. Givе соnѕidеrаtiоn to breakdown аnd windscreen insurance соvеr if thiѕ is nоt included with thе inѕurаnсе роliсу аnd premiums tо kеер уоur vаn оn thе rоаd and уоu in buѕinеѕѕ.

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Three Practices Athletes Can Perform to Prevent Sport Concussions

Every time an athlete – be they pro or amateur – hits the pitch, they are literally predisposing themselves to an overt risk of suffering an accidental head concussion. Particularly if it is an aggressive, testosterone-drenched game such as football, ice-hockey and, sometimes, baseball and basketball. There are several things that a player can observe to significantly minimize the risk of crushing their skull while in action.

1. Play by the Rules; Always

It is one thing to have an animalist-like confidence, and it is another whole different ballgame to throw caution to the wind and dive head-on without a care in the world. Any personal injury law firm, such as Holliday Karatinos Law Firm can easily confirm to you that in a court of law, playing by the rules can draw a fine line between being compensated handsomely and being awarded nothing, or at worst, facing criminal charges. It is important, especially for young, energetic players to respect the rules of the game and realize that excessive aggression on the pitch can be counter-productive if not checked. And this also applies to extreme competitive outdoor sports such as rallying, cycling, skydiving, and motorcycling. For instance, all participants ought to stick to the recommended route to avoid running into accidental and avoidable problems.

2. Wear Protective Gear

This should be a no-brainer, really – especially for top athletes. As far as protective gear goes, helmets and other assorted headgear top the list of apparels that are meant to prevent accidental head injury during play. Cushioned and padded helmets, for instance, can significantly mitigate the possibility of a skull fracture by dissipating and effectively distributing the severity of an impact during a collision. Additionally, the outer shell of the helmet will also prevent penetration by foreign objects such as nails, sticks or sharply edged rocks. Speaking of which, the ideal helmet should be a trade-off between optimum safety and comfort/acceptability. It is self-defeating to wear an uncomfortable, heavy and bulky helmet during a game of lacrosse or ice hockey simply because you're overly paranoid about keeping concussions at bay.

3. Ensure that The Playing Field is Safe for Use

Whether it is stadium match or simply training practice, it is imperative for the coach and the participating players to make sure that the playing field is safe enough for play. This includes inspecting it thoroughly for holes, stones, foreign objects, and uneven areas. The grass turf should be combed out completely to ascertain that the field is clean enough for play and the goal posts padded sufficiently in case a play accidentally bangs their head on them during play. That said, it is the responsibility of everyone on the pitch- including the rival players – make sure that their playmate is sufficiently protected from accidental head injuries.

The Bottom Line

In addition to these, they are several sport-specific techniques and tricks that players can use to drastically minimize the risk of suffering accidental concussions. For example, some coaches train their players to reduce the risk of head fractures and other bodily injuries by avoiding unnecessary contact with rival players as much as possible.

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Prefer Specially Packed Chocolates To Attract Your Business Colleagues

Are you searching for the unique and mount watering chocolates for a special event? Look at Emoti it is the one-stop destination to find unique chocolates to present for your clients or partners. Chocolates are the best corporate gifts that bring happiness in your face as well as business owners also prefer chocolates as the best corporate gift. is the ideal destination for finding high quality and tastiest chocolates for your special events. Even they also offer different special offers and deals to many companies and advertisement agencies. In general, the emotion always provides individual approach to the clients as well as clients also have possibilities to find chocolates at special rates. You can get different kinds of chocolates based on your needs and chocolates also come with wide variety of boxes, bags, and ballottins, so it is the better option to make a gift to your beloved ones. People can find delicious Belgian chocolates under the Emoti brand to meet their emotional needs. Before going to choose chocolates, you must consider taking the online reviews. At the same time, you should compare different factors related to the product.


Luxury Belgian Chocolates:

At Emoti you have high chances to find the full catalogue of corporate gifts; of course, it is the fantastic choice that helps to attract your family, kids, corporate clients, etc. With this, you can quickly bring a smile on anyone’s face. Moreover, you have chances to create your unique chocolate boxes based on your exact needs. The emoti offer different options with this you can easily pick the best options to meet your needs. Different type of packaging options is also available. It is the best choices to place your company logo, in addition to this your have great opportunities to add your own graphics based on your needs and wishes. Before choosing any options, you must consider comparing all the factors as well as you must understand your needs. Emoti is the best choices that allow you to take the benefits of manual packing of luxury Belgian chocolates in boxes, blisters, pouches.

 Chocolates Under International Standard:

Based on your needs you will receive the advantages of another individual packaging. Even you can also use existing recipes to attract your clients this also makes your chocolate more individual. Here at emoti the expert’s team available to help you and them always considers advanced techniques to design different packing’s. The products also reflect flexibility and innovation. More importantly, the experts pay close attention to the entire project, be it small or large. Every Belgian product available under quality standards, as well as there, is different options available. With this, you can easily choose interesting choices. To buy the highest quality Belgian products, you must look at emoti.  Chocolate is also packed with premium quality chocolate boxes, of course, emoti only offer internationally recognized products. So you can enjoy high-quality food, in general, this company offer chocolates under strict standards and offer products after confirming the quality of the manufactured chocolate products.

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Best Flipbook system

Basically, in making a flipbook, we convert normal PDF file. These flipbooks are more attractive and are shared on the internet to have more customer engagement. Now you can flipbook easily to the web to enhance the interaction of your publication. These flipbooks change the effect of your page by giving it an entirely new and eye-catching look. You can have the characteristics of best flipbook systems in this article briefly.

Platforms used

The platforms used by these flipbooks are many. Most importantly a flipbook should be able to provide access to multiple systems including windows, android, and iOS structures. Having this divert will make a flipbook highly acceptable among the market because it will be able to run in any system. Moreover, if the flipbook runs flexibly on all the systems present in the market, it will be easy to search on the search engines. Among the variety of systems either Windows or iPhone, a flipbook should support it effectively.

Qualities in a flipbook

The features that the best flipbook should contain include the flexibility of use. The user should be easily able to use it by making the usual tasks simple. Those routine tasks include movement of pages, deletion of unnecessary data and navigation among different pages in a PDF file. The best flipbook also provides the feature of placing various links, videos or images in a file. Also, the flipbook should be able to grab the users’ attention.

Multiple types

A  flipbook can be used in various forms. You can use it in the form of menu cards, brochures, magazines or in your portfolio. It will be helpful in making your content more attractive to the reader and handy. Using a flipbook instead of normal PDF files is beneficial for you in many forms. You can use in any form or invitation on the online places. You can utilise its use in any way possible depending on the ability of your creativity.

Advantages over PDF

First of all, the basic advantage you get is that your file is now easy to search for the users. The search optimisation is achieved in the best way possible. Moreover, if you want to refer a particular link to a single page of PDF it is not possible by simple PDF file sharing, for that purpose flipbook provides an efficient way of sharing a link to the file. You can also use the flipbook on the social media by sharing it; it will optimise the level of searches and bring more users. One important thing is that you can have a record of the number of viewers.

These are the basic information that is needed to know about any flipbook, and they should be present in any flipbook system to make it work properly and efficiently. The flipbooks are the best practice to enhance your publicity in an inexpensive way. You can try the flipbook online without any effort.

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How does the Chipolo key finder work?

The Steps which need to be followed

One of the very anticipated questions regarding the Chipolo is that how does it work? Well, there is no as such science involved, which shall be implemented while using a Chipolo tracker. The Chipolo key finder is so convenient and flexible to use that it can be used by everyone without any hurdles. Let’s start discussing the steps, which need to be followed while using the Chipolo tracker.

  • Step 1

The Chipolo trackers are categorized according to the characteristics such as the colours, features and prices. There are a variety of colours available on the website from which a customer can choose. Simply select the desired Chipolo and buy it from the online website. The Chipolo trackers are super affordable and user-friendly.

  • Step 2

The Chipolo trackers are very small in size, which enables them to be attached anywhere. The Chipolo key trackers come with a loop, which makes them very easy to be able to fit in the key ring along with the other keys.

  • Step 3

Once you have out the Chipolo along with the keys, simply install the Chipolo application from the Google Play Store or the Apple Store and follow the steps. If you have lost your keys, just click on the option ‘find my keys’ and the tracker will automatically turn on the Bluetooth signals, which will catch the signals of the Chipolo attached to the keys. The Chipolo will start ringing and the 100 decibel melody is loud enough that one can easily hear it.

The advantages of a Chipolo key finder

There are many benefits, which come along with a Chipolo tracker. These are super user-friendly and very efficient. The Chipolo trackers are available in the seven vibrant colours, which offers customers with quite a variety. There are two types of Chipolo available in total, the Chipolo Plus and the Chipolo Classic. Both of the vary in prices and certain features. The Chipolo Plus is a water resistant and does not require any kind of maintenance. On the other hand, the Chipolo Classic has a replaceable battery with a six month battery life. Both of the Chipolo trackers are designed like a coin and the sizes are same too, as they are only 0.2 inches and 5 mm thin. With a Chipolo attached, nothing can ever be lost. Their efficient Bluetooth technology and the super loud melodies make them very easy to find. The Chipolo trackers can be easily attached, stick and dropped with anything, which you never want to lose such as the skateboards, bicycles, mobile phones, tablets, laptops, handbags, cars and backpacks. If the lost item is within the range of 200-foot, the built in Bluetooth technology will easily find it or if the item is not in this range, then one can simply log in to their web app and can track it down. The web app will show the place on the map, where it was seen for the last time.

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Tax resolution firms are a misnomer.  They exact high fees from unassuming consumers and seldom resolve anything.   These firms are a relatively recent development, and they are becoming a serious problem for consumers in our country.

Tax planning resolution scams advertise heavily, offering to settle Federal tax obligations for a fraction of the amount owed, even for “pennies on the dollar.”  I have heard ads announcing a “special IRS program” to compromise tax balances, available for only a “limited time.”   One firm claims to have saved “tens of thousands of taxpayers tens of millions of dollars.”


These ads are, of course, false.   The IRS rarely accepts an offer in compromise.  There are much better ways of securing relief from a threatened or actual levy (seizure) of a taxpayer’s wages or bank account.  But the unsophisticated people targeted by the ads do not know this.   Many taxpayers are facing IRS levy of their wages or bank account.   A taxpayer who calls the tax resolution firm is connected with a high-pressure salesperson, and maybe with two of them.   The taxpayer is assured that the firm will settle and resolve the taxpayer’s tax obligations. The salespeople earn commissions and large bonuses.  Tax resolution firms take large retainers, typically $5,000-$10,000.  The taxpayer somehow comes up with the retainer money.   It is unlikely that an offer in compromise will even be submitted to IRS on the taxpayer’s behalf.

Employees of the tax resolution firm send the taxpayer form letters requesting information by artificial deadlines.   When there is no response to the letters, the tax resolution firm does not bother to call the taxpayer.  Instead the tax resolution firm deems the matter concluded and closes its file, the taxpayer realizing no relief.   If the taxpayer requests a refund of fees paid to the tax resolution firm, the firm relentlessly refuses.   All of this is pursuant to fine print in the retainer agreement which the tax resolution firm required the taxpayer to sign.  That fine print also undoubtedly has language exculpating the tax resolution firm from liability to its client.

The taxpayer still owes his balance to the IRS.  In fact the balance is now higher with additional accrued penalties and interest.  And the taxpayer is out the fees paid to the tax resolution scam.

Not surprisingly, there is much litigation against tax resolution firms.  J.K. Harris & Co., of Charleston, South Carolina is the largest such firm, with 325 local offices and $100 million in annual revenue.   CPA John K. Harris founded the firm in 1997.   The firm has been sued numerous times throughout the country.  In 2007 it settled a class action brought in Charleston County, South Carolina Circuit Court for $6.2 million.  In 2008 it settled a suit brought by the attorneys general of 18 states for $1.5 million.

Attorney Roni Deutch, of North Highlands, California, opened her tax resolution firm in her condo in 1991.  Today it enjoys $25 million in annual revenue.  Deutch advertises heavily on TV, especially in California, where she is known as “the Tax Lady or the lady in charge in accounting.”  Deutch has been the object of much litigation.  In 2007 she settled a suit brought by the New York City Department of Consumer Affairs agreeing to pay $200,000 restitution to consumers and $100,000 in fines to the City.  On August 25, 2010, the California Attorney General sued Deutch in Sacramento County Superior Court seeking $33.9 million in restitution, civil penalties, and a permanent injunction.   The pleadings and exhibits are eye-opening.

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