Author: Admin

Three years ago I was giving my first E-book keynote speech before the Arizona Book Publishing Association, when one of the esteemed publisher members asked me a very pointed question.

“What happens if someone steals your file and sells it or gives it away all over the Internet?”

Until I was asked that question I thought I was Sutter striking gold in California.

“How do you keep people from stealing your work?”

Beads of perspiration formed on my face and hands. I had cottonmouth. This is a bad dream. Why didn’t I think of this before?

My mind immediately regressed to conversations with other professional speakers relating horrifying incidents where they discovered their “signature story” was being retold.

I thought about the many times I heard professional speakers telling Dr. Charles Jarvis’s special Little Bird story without giving credit to Dr. Jarvis

I wondered how much easier it would be to take the Little Bird story as a file formatted in a common program like Microsoft Word for windows and then spread it to many thousands or even millions of people through e-mail.

Do you think that can happen? I think so.

Over the last 3 years many companies have become involved in creating encryption techniques that protect your e-book files from theft.

However, none of the encryption techniques are fail-safe. In fact many times when you download an encrypted book, the files are so huge and difficult to open that you end up canceling your order.

I was recently giving a teleseminar and an attendee asked a most common question.

The question was, “how to I keep someone from stealing my -e-book?

I decided to answer the attendee’s question with a question.

Why do you care if they steal your e-book?

She replied” Because I will lose money.”

That is when the light bulb went off in my brain. Companies that are rajamania spending all that money and putting in all that effort to encrypt e-books are throwing their money away. They are protecting people from opening e-books which really isn’t’ the major concern.

The problem is protecting the authors from the potential loss of fame and fortune.

Telling Dr. Jarvis’s Little Bird Story without his citation isn’t’ the problem. The problem is in the potential loss of Dr. Jarvis’s fame and fortune due to telling his story.

The loss of your e-book files represents a potential loss of your fame and fortune.

You lose no inventory if someone steals a digital file. Once you complete an e-book and post it on-line you automatically have 6 Billion copies in print. You have enough inventory for every man, woman and child on earth.

If one person reads your e-book and does not pay for it you may have one fan. If 100,000 people read it for free you may have a 100,000 fans.

A question I have is can you earn more money and have more fame with one fan or with 100,000 fans?

Over the last few weeks I …

Recently however, credit unions have gained in popularity as viable alternatives – offering benefits which often surpass those provided by conventional institutions like banks. If you still bank at an established institution then perhaps now is the time to consider switching over – here in this article we explore five clear indicators which suggest switching.

 

1. Dissatisfaction With High Fees And Low Savings Interest Rates

One of the primary drivers behind people making the switch from traditional banks to credit unions is dissatisfaction with high fees and low interest rates offered. Banks frequently charge customers fees for checking accounts, ATM usage, overdrafts and wire transfers that can quickly add up and take a bite out of your finances. Credit unions provide an attractive alternative with reduced fees that don’t add up quickly while still giving access to valuable services at competitive interest rates.

Credit unions are known for offering more cost-effective financial services to their members. Credit unions are non-profit organizations that give back any profits generated back to members through increased savings interest rates, lower loan rates, or reduced fees – meaning you keep more of your own money in your pockets when banking at a credit union.

Credit unions tend to offer more forgiving policies when it comes to overdraft fees, providing more leniency when it comes to overdraft charges. They may even provide financial counseling services in order to assist you with managing your finances better and avoid costly mistakes. If you’re dissatisfied with the high fees and impersonal service at your current bank, it may be time to explore the benefits of credit unions like Power Financial Credit Union, which often provide lower fees, personalized service, competitive loan rates, ethical banking practices, and opportunities for members to have a say in decision-making.

 

2. Frustration With Impersonal Service

Many bank users have experienced the frustration of dealing with impersonal customer service at traditional banks. It’s not uncommon to be treated as just another account number, and getting personalized attention can be challenging. Credit unions, on the other hand, are known for their community-focused banking approach.

Credit unions tend to be smaller and more community-minded than big banks, focusing on building strong relationships with their members rather than banking as customers. When banking at a credit union, members-owners don’t just bank as customers; their success depends on providing outstanding customer service. This motivation keeps credit unions striving to offer outstanding services.

Moreover, credit unions frequently offer a more personalized approach to financial solutions. Credit unions take the time to understand your individual financial situation and offer tailored advice or loan solutions that best meet your needs. If you feel as if your bank doesn’t care about being more than a number, credit unions might just be what’s needed for a change.

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