Bringing Home the Business:The 30 Truths Every Home Business Owner Must Know. By Kim T. Gordon. The Indispensable Home Business Guide from the Nationally Known Columnist

(PRWEB) April 5, 2000

Kim T. Gordon, author of Growing Your Home-Based Business, is one of the nation’s foremost experts on the small office/home office market. Now, with BRINGING HOME THE BUSINESS (Perigee Trade Paperback; March 1, 2000; $ 13.95), Gordon reveals the 30 essential truths every home business owner must know, not only to survive, but also to flourish in today’s competitive market.

Thanks to today’s low-cost technology, it’s easier than ever to stay at home and work. Twenty-four million Americans own their own home-based businesses and millions more will start one this year. However, the greatest obstacles most home business owners face are making sales and finding new customers while also mastering the challenges of living and working under one roof. With BRINGING HOME THE BUSINESS, Gordon has identified the 30 truths that can make the difference between success and failure in a home-based business and has translated them into action steps business owners can take to increase their success. It’s ideal for busy entrepreneurs and presents clear advice, guaranteed to help home business owners win more business, and live and work successfully under the same roof. By reading just one truth per day, in one month, readers will master a complete course on home business success.

From formulas for positioning a business and creating an image, to new technologies, Internet marketing strategies and tips for work-at-home parents, straightforward truths are illustrated with real-life stories of successful home business owners in a wide range of fields nationwide. Following each truth is a checklist for readers to keep them focused on their goals

Emotional Distress Must be Addressed as Part of a Financial Recovery Plan, Urges Covendium

Orlando, FL (Vocus/PRWEB) June 07, 2011

Recent studies have confirmed what millions of Americans already know too well: individuals suffering financial distress and diminished financial wellbeing are more likely to also suffer emotional health risks. Unfortunately, too many individuals assume that the emotional scars of financial distress will disappear once the financial distress has been mitigated – or believe that they are doomed to suffer emotionally and financially through troubling economic times. Covendium, the nation’s largest debtor-side commercial debt restructuring and advocacy firm, explains how they help clients work through the feelings that come up during the recapitalization process.

“No matter how wealthy or powerful a client is, there is always a moment when their worst fears surface,” recounts Doug Long, President of Covendium. “The thought of losing everything – whether real or imagined – is so emotionally powerful that we saw the need to provide our clients with an outlet to work through their personal issues while we tackled their financial ones.”

Covendium is unique in its approach to resolving its clients’ financial distress. In addition to providing a thorough debtor-rights analysis and debt resolution evaluation, every new client is given access to a member of Covendium’s Emotional Support Staff, and the opportunity to work with a Licensed Mental Health Counselor or Executive Coach, depending on the client and his or her family’s needs and personal goals. “When my husband came home and told me the whole story of our financial situation I was scared, angry and embarrassed. Having someone to talk with through the process saved our marriage,” responds a Covendium client who wishes to remain anonymous.

“When I talk to clients, I like to emphasize that they have choices,” mentions Bridget Cooper, Ed.D., a member of Covendium’s Emotional Support Team. “Accepting that they (the client) have a financial problem is a large step, but it is equally important to acknowledge that they can choose not to have their financial distress affect their relationships with their families and their own self-worth,” Dr. Cooper stresses.

John Hyltin, Managing Director of Resolutions for Covendium, sums it up best: “The Covendium team is expert at resolving its clients’ financial issues, but an emotionally healthy client makes for a less contentious negotiation and allows the entrepreneur to put past problems behind them and be positive about future business endeavors.”

For more information about Covendium’s emotional support services, or any of Covendium’s products or services, call them at (407) 284-4000, or view them on the web at http://www.covendium.com.

About Covendium

Covendium specializes in comprehensive commercial debt resolution and restructuring for clients whose financial model has been destroyed by debt service payments that have become unsustainable.

For some clients, all they need is an experienced negotiator to provide their lender with the reality of the financial situation and the tool-set to restructure their obligations. For other clients, Covendium may assist in the replacement of the debt from a bank to a private funding source.

Their team of professional advisors has successfully restructured billions in transactions, with dozens of banking institutions (including major national, regional and community banks) and over 30 separate non-bank financial counterparties.

Bad things happen to good people. Covendium is a premier national debt resolution firm that helps their clients with everything from commercial foreclosure in Charlotte to recapitalization in Miami to unpaid principal balance in Phoenix to discounted pay off in Chicago.

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More Discounts For Orlando Press Releases

Parties Must Consider Financial Consequences When Planning Divorce, Raleigh Family Lawyer Says

Raleigh, N.C. (Vocus/PRWEB) April 08, 2011

According to a March 10 article on msn.com, “Breaking up is hard to do because of the economy.” However, an article published just two weeks later in The Orlando Sentinel proclaimed, “Better economy has more couples feeling freer — to divorce.”

Who’s right?

To a degree, neither article, according to Raleigh divorce lawyer Charles R. Ullman.

“I’m sure there are a variety of views out there today on how the economy is impacting marriages and divorces,” said Ullman, the founder of Charles R. Ullman & Associates, a Raleigh law firm that concentrates on family and domestic law matters. “Whenever you use broad brush strokes like that, you’re not going to paint an entirely accurate picture, because each couple is different and will have unique issues involved in their marriage and divorce.

“However, these recent articles do highlight that financial issues undoubtedly play a significant role in most divorces,” he said. “That’s why it’s important for a person to consult with an experienced divorce lawyer who will focus on the unique financial considerations that their marriage and divorce presents.”

What are some of those financial considerations?

According to Ullman, who has represented parties in divorces throughout Wake County and surrounding areas in North Carolina, the most important issues will usually surround division of the marital property.

North Carolina follows a three-step asset division process that’s called, “equitable distribution.” The steps involve identifying and classifying property as marital or separate, assigning a fair market value to each property item and distributing the property equally between the parties unless it can be shown that an equal division would be unfair.

The equitable distribution occurs before the final divorce decree or afterwards if action has been taken to preserve one’s rights before the divorce judgment is entered. The property is usually divided in a settlement agreement that is reached through a process called mediation.

According to Ullman, it’s important to know one’s financial situation in order to negotiate a fair property settlement in a divorce. He said a divorcing spouse should collect as much financial information as possible, such as records of bank accounts, stock options, deferred compensation plans, retirement accounts and real estate records, including mortgage statements, taxes and other liens or assessments.

“After collecting all of this information, a couple may possibly decide that divorce is not in their best interest because of the financial consequences,” Ullman said. “The problem arises when emotions take over, and a couple accepts financial terms just to get the marriage behind them. What could end up happening is that one or both of the parties could quickly find themselves in a financial crisis.

“Another situation that could arise is that one spouse may attempt to hide joint assets to transfer them out of the other spouse’s name. That’s when having legal representation is crucial to protecting one’s rights.”

In addition to property distribution, other financial considerations in a divorce are the possibility of paying alimony, or spousal support, and paying child support, Ullman said.

“No matter what the state of the economy is, there is usually going to be some amount of financial stress that accompanies the emotional stress in a divorce,” he said. “An attorney’s job should be to minimize that financial stress as much as possible by thoroughly reviewing a client’s case and looking at all legal options.”

About Charles R. Ullman & Associates

The Raleigh law firm of Charles R. Ullman & Associates, located on 109 S. Bloodworth St. in Raleigh, N.C., concentrates on family law, including divorce, child custody, child support, visitation, alimony, post-separation support and equitable distribution. Ullman is also a trained collaborative law attorney. For more information, contact the firm by calling (919) 829-1006 or use its online contact form.

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