October 24th, 2011 by sugig

An important question for US companies is: how can they take advantage of the current uncertainty in the European business market?

The debt crisis will put pressure on some European companies to divest assets

We believe there’s going to be many more opportunities for U.S. companies in Europe because ultimately when countries get squeezed, banks get squeezed and then corporations’ credit get squeezed. As a result, those companies are going to look for financial help or are going to need to divest assets.

A weaker euro means U.S. companies can acquire European companies for less

Many currency experts are predicting that the European debt problems will cause the weakening of the euro currency against the US Dollar. If the euro weakens, US companies will be in their best position in years as pertains to the purchase of European companies. Indeed, we are noticing a growing number of U.S companies looking to expand in Europe through acquisitions.

The recent decline in European stock values provide a buying opportunity

While it is not certain how long the current drop in stock values will last, no one is predicting a return to the high levels we saw earlier this year anytime soon. Many US companies have strong balance sheets and cash reserves. In the short term, the combination of a weaker euro, slowing economic growth and depressed stock prices provide a “perfect storm” of elements that favor opportunistic acquisition activities.

Despite slower growth Germany remains a very attractive investment location

Germany remains the most popular investment location in Europe because of its continuing financial strength and political stability. Even with slower than predicted growth, the German GDP is still expected to grow 3% in 2011. If only the US had the “problem” of 3% growth!

The European debt crisis is a very fluid situation. The heated debates between EU countries and Germany on the solution will continue to cause unrest in the global financial markets. However, the current financial panic offers a tremendous opportunity for US companies looking to buy in Europe.

Article Source: http://EzineArticles.com/6519968

July 13th, 2011 by sugig

Everyone knows that consumer spending drives the economy and gross domestic product (GDP) growth. The headline Retail Sales reading for April jumped 0.5%, which was slightly below the estimate of 0.6% and down from an upwardly revised 0.9% in March. Excluding the auto portion, Retail Sales increased a slightly better than expected 0.6%, although this is lower than the upwardly revised 1.2% in March.
On the plus side, consumers are spending, but the lack of consistency is troublesome. And, given that gasoline prices are high, it reduces the disposable income that consumers have to spend on goods and services. You may not buy that DVD player you had been eyeing. This may not sound like a big deal, but think about it this way: not buying that DVD player has a trickle-down effect as far as spending goes and negatively impacts total spending.
But this is not to say that you should avoid retail stocks. A key part of investment advice that leads to success is selective picking.
My best stock advice to you would be to stick with the leading discount bellwether retail stocks. In the large-cap area, these include Wal-Mart Stores, Inc. (NYSE/WMT), Target Corporation (NYSE/TGT), and Costco Wholesale Corporation (NASDAQ/COST).
Costco reported a 12% jump in its key same-store sales reading, well above the 8.9% estimate polled by Thomson Reuters. Net sales for April surged 17% year-over-year. The results are consistent and continue to show steady growth; but, for that extra bit of growth, you should look at the smaller discount retail companies.
Costco, for instance, has a market cap of $35.73 billion and is estimated to report sales growth of 11.4% and 7.9% for the FY11 and FY12, respectively.
For comparison, take a look at small-cap PriceSmart, Inc. (NASDAQ/PSMT), an operator of 28 warehouse clubs in 11 countries in Central America and the Caribbean. PriceSmart reported a booming 21.5% increase in its same-store sales for the five weeks to May 1, along with a 37% year-over-year rise in April net sales. These are well above the growth metrics for Costco. Consider the comparative sales growth for PriceSmart, which is 15.1% and 9.5%, for the FY11 and FY12, respectively. The growth estimates are probably conservative and could really take off if the expansion continues.
Another interesting discounter is large-cap Dollar General Corporation (NYSE/DG), which operated a staggering 9,300 stores across 35 states. Dollar General has reasonable valuation and above-average price appreciation potential for investors.
And when housing picks up, I expect spending to continue to increase, especially on non-essential goods and services reflected by Durable Goods.
It does appear that a reversal is occurring in retailing. The key is to look for same-store sales growth in retailers that sell non-essential goods. Increases here could mean that consumers are spending on goods and services that are non-essential. These include electronics, appliances, furniture, and autos, and other big-ticket items.
My favorites in the retail space continue to be the discounters and big-box stores. The big-box stores are now selling a broad range of electronics and are adding to their product lines. This will offer consumers a one-stop place for shopping and make more money for these companies.

July 6th, 2011 by sugig

Let’s say you made one of those big no-no credit mistakes. You went out of town on vacation for a week, came back home and realized you totally forgot to pay your credit card bill. It happens all of the time.

Chances are you are okay. The worst thing that may happen is you have to pay a late fee, but more than likely the creditor won’t report your one-time late payment to the credit agencies. Most lenders and creditors will not report bad repayment history until you are 90 days late, and if they do not report it, it does not end up on your credit report. Since your credit score is calculated by the information on your credit report, you’re in the clear.

But what if they do and that late payment ends up on your credit report. Sadly, if you have an otherwise good credit score, this will affect you the most. It could knock 100 points off your credit score – ouch! Late payments by people who already have a crummy credit score won’t get dinged nearly as bad.

This may actually not be entirely true though. The way FICO is calculating credit scores going forward now gives some forgiveness to people who made that one-time mistake, but will further penalize people who have a history of not paying their bills.

The best solution to make sure this does not happen is to set up automated bill paying. That way, no matter what, your bills get paid.

If, however, you have a history of making late payments, you’re in a bit more trouble. You’ll wan to get a copy of your credit report and take some of the steps to increase your credit score, which you can do completely on your own.

May 15th, 2011 by sugig

Here’s the question that came in: “Are some life paths fated to have money troubles – for money to be elusive and unattainable? Karma is something many of us believe in. If so, how can this work – these tools – work?”
Let’s get real for a second. Let’s get real for a second. I just spoke at a fundraiser for homeless and orphaned children in Baja Mexico. Washing machines and refrigerators are new additions to the orphanage. These kids were not dealt the easiest hand.
This is exactly why we NEED tools! Learning to read made Oprah Winfrey into Oprah Winfrey, Inc. She discovered a new world through reading books as a child. Tools change “Karma.”
This is exactly why we NEED tools! Learning to read made Oprah Winfrey into Oprah Winfrey, Inc. She discovered a new world through reading books as a child. Tools change “Karma.”
Let’s talk about Karma for a second, shall we? Karma is NOT fate! Most people talk about two kinds of Karma. Door #1 is the “I hope you rot in hell, Bernie Madoff!” Karma. Door #2 is “doomed by decree” Karma. Either you’re hoping to punish or you’re feeling punished. Neither option is going to get you what you really want.
At the risk of sounding academic (I’m sure I’m tenured by now in an alternate universe), karma is really about PERSONAL RESPONSIBILITY. Cause and effect. Your actions bear fruit.
If, as it happens, you’ve been struggling with money in this life time, CONGRATULATIONS! It’s just that much more urgent that you break the patterns that weaken you.
Here’s the punchline: our choices create our Karma. Our choices RIGHT NOW. It’s like we build up a taste for something. If you don’t clear off your desk, wash the car, and take out the trash, you’re going to feel worse and worse. Trash and filth become your reality. You train yourself and the universe that this is what you deserve, that you’re garbage and filth yourself. That’s bad Karma.
And that’s why I say to you that “Karma” is your call to action! It’s your RESPONSIBILITY to change your relationship with money, to change your behavior as needed, and change your values to reflect self-respect!
And let me tell you: I work with some people who are fighting HUGE economic, cultural, and circumstantial disadvantages and come out ROCKIN THE CASHBAH! I don’t buy none of that doom and gloom victim for life crap. If you don’t like your Karma, change it.

May 2nd, 2011 by sugig

Right from the days of yore, gold and silver coins have been of great importance because of the two metals’ high intrinsic value and also because of the coins’ fungibility. While the ancient Egyptians gave gold coins only as gifts, Greek kingdoms of the Iron Age minted such coins primarily for circulation. Silver coins were popularly used as money for circulation because of their fungibility, liquidity, and durability. In the recent times, gold and silver bullion coins, such as the gold eagle and silver eagle coins are being used by investors to hedge against risks arising from price changes and also for capital appreciation.
The American gold eagle and silver eagle are the United States’ official bullion coins. Buying these coins is an easy way to diversify investment portfolios. Their widespread acceptability by collectors and investors from all over the globe and guarantee of their metal content and purity by the United States government itself, makes them safe investing options. Gold and silver eagle coins are also of immense value to the numismatists. The rarer the coin, the greater will be its value. These have remained premium collector items and have always found a large number of interested buyers; to the extent that many rare coins have been auctioned to the tune of millions of dollars. They have also been sold as uncirculated proof coins to coin collectors.
Counterfeit gold and silver eagle coins are an inseparable and unfortunate aspect of coin collecting. Counterfeit gold eagle coins are rarer than silver eagle coins because of difficulty involved in making fake ones owing to the fact that gold is one of the heaviest metals. However, there are a number of ways to establish whether a coin is fake or not. Since gold is a soft metal, the simple bite test is an easy way to establish its originality. In case of silver eagle coin, one can keep in mind certain points like the weight of the coin (if underweight, then it is fake), relying on your gut feeling about the looks of the coin (if the looks of a coin don’t seem right, don’t go for it) , the surface of the silver coin (in case the coin is missing the typical silver sheen, do not consider it), and checking it under magnification can go a long way in avoiding buying a fake eagle coin.
Numismatists treasure them and the investors value them simply because they know that an investment in silver and gold eagle coins would assure them safety of their investments and security even if the world’s financial systems collapse.

February 19th, 2011 by sugig

Employment Contract
Whether you are seeking employment or want to hire an employee, you will need an employment contract. This article will guide you how you can protect your interests.
Employment Contract
An agreement entered into between an employer and an employee at the time the employee is hired that outlines the exact nature of their business relationship, specifically what compensation the employee will receive in exchange for specific work performed.
The employment contract is made as soon as you accept a job offer. If you start work it will show that you accepted the job on the terms offered by the employer, even if you don’t know what they are. Having a written contract could cut out disputes with your employer at a later date, and will help you understand your employment rights.
Contract for Services
A contract to provide services is an agreement between you and another person to undertake some work for them (for example paints their house). You do not become an ‘employee’ for this person – you just provide them with a service.
If you are a temporary agency worker you may be contracted with your agency under a ‘contract for services’. Your agency, as an employment business, will be obliged to provide you with a written contract.
Written Statement of Employment
An employment contract exists as soon as an employee starts working for you. An employment contract is enforceable by law. It can be a verbal agreement and doesn’t have to be written down. If the contract is a verbal one, the employee is entitled to a written statement setting out the main elements of the job. An employee is entitled the written statement within two months of their start date.
What is included in a Written Statement
• The legal company name of the employer.
• The legal name of the employee.
• The date the current employment began.
• The employee’s pay, or how it is calculated, and whether it is paid weekly or monthly.
• The employee’s hours of work.
• The employee’s holiday entitlement and holiday pay.
• Job title or a brief description of the work.
• The address of the employee’s place of work.
• Terms and conditions relating to sickness, injury and sick pay.
• The period of employment – permanent, temporary, fixed term.
• Notice periods.
• Collective agreements with trade unions.
• The employee’s pension entitlement
• Dismissal, disciplinary and grievance procedures.
Employment Contract Terms
The terms of an employment contract set out what you and your employer can expect of each other. There are several different types
Express Contractual Terms
Express terms in an employment contract are those that are explicitly agreed between you and your employer and can include:
• amount of wages, including any overtime or bonus pay
• hours of work, including overtime hours (there is a legal limit for most employees on the maximum number of hours they can work per week)
• holiday pay, including how much time off you are entitled to (nearly all workers are entitled by law to 24 days’ paid holiday – they may be entitled to more under their contract. Part-time workers are entitled to a pro rata amount)
• sick pay
• redundancy pay
• how much warning (notice) the employer must give you if you are dismissed.
• and provide work.
Implied Terms of an Employment Contract
Terms are implied into a contract for a number of reasons.
Implied terms include:
• the duty of the employer to provide a secure, safe and healthy environment for the employee
• the employee’s duty of honesty and loyal service
• an implied duty of mutual trust and confidence between you and the employee
• a term too obvious to need stating, e.g. that your employee will not steal from you
• any terms that are necessary to make the contract workable, e.g. that someone employed as a driver will have a valid driving licence
The law also imposes some terms automatically, such as the right to paid holidays, the right to receive the national minimum wage and the right not to be unlawfully discriminated against.
What Goes in an Employee Agreement
In addition to clearly describing what the employee is going to do for you (the job) and what you are going to do for the employee (the salary), the contract can — if you want it to — address a number of other issues, including:
• duration of the job (one year, two years, or indefinitely)
• information about the employee’s responsibilities
• what benefits (such as health insurance, vacation leave, disability leave, and so on) the employee will receive
• grounds for termination
• limitations on the employee’s ability to compete with your business once the employee leaves
• protection of your trade secrets and client lists
• your ownership of the employee’s work product (for example, if the employee writes books or invents gadgets for you), or
• a method for resolving any disputes.
Termination of an Employment Contract
Both parties to the employment contract may terminate it by giving due notice. Whilst there is then little to restrain the employee from terminating the contract, the employer must take account of unfair dismissal and discrimination legislation before proceeding. To enable an employee to bring a claim for unfair dismissal, 12 months continuous employment at the date of termination must usually have been completed. No service requirement applies where the case involves a claim of discrimination.
Termination by the Employee (Resignation)
The most common case of individuals terminating their employment contract is when they resign to take up alternative employment; employees are generally free to terminate their contracts of employment for any reason provided they give the due notice. If the employee leaves without giving due notice this constitutes breach of contract.
Termination by the Employer (Dismissal)
The employer must not dismiss a valid employment contract without proper and weighty reason.
Mutual Agreement
An employer and employee can mutually agree to terminate a contract. To be acceptable mutually agreed terminations must contain no suggestion of any pressure from the employer e.g. not “resign or be dismissed”. Where a mutually agreed termination occurs without such pressure, an employee cannot subsequently claim unfair dismissal.
Employment Contract Templates
If you are looking for Employment Contract Template, here you will find very well designed and professionally created contract template. They are ready to used, just what you have to do is, placed your terms and conditions whether you are software engineer, roofer, builder, full-time or part-time bar staff, our Employment Contract Templates are easy to customize to your business requirements.

January 26th, 2011 by sugig

Helping those in need leads to an unexpected medical crisis for Charlotte, North Carolina residents, Jack and Shelley Boomhower, but their advanced preparation pays off.
It’s good to be home in Charlotte, North Carolina, for Jack and Shelley Boomhower. Mr. and Ms. Boomhower were recently residing in a remote overseas location, as part of a mission trip with Wycliffe Associates. Wycliffe Associates has supported the worldwide efforts of Bible translation through dedicated service in numerous areas of ministry.
Their Healthcare Incident During their missionary travels, Mr. Boomhower suffered an unexpected stroke in the middle of the night. Their team leader immediately contacted Seven Corners, the company the Boomhowers had purchased insurance with prior to leaving on their mission trip. Immediately upon receiving the call on March 7th, the Seven Corners After Hours Team immediately contacted their Assistance Medical Director, determined the closest facility that could provide proper care for a stroke, and arranged all the transportation and appointment to the facility. As the morning hours commenced, Seven Corners and their team overseas had determined the country that would have the most comprehensive and appropriate care available for Jack. Seven Corners had a pre-qualified hospital located in that country. Arrangements were then set in place to move Jack to the pre-qualified hospital via air ambulance transport. Seven Corners coordinated with this hospital via their coordinator who spoke the local language to arrange for immediate admittance upon arrival and provided all of Mr. Boomhower’s insurance information to the facility in advance of the arrival.
The team leader, worked closely with Seven Corners which allowed Shelley to be with Jack at all times which was also very helpful in completing the paperwork and coordination of the care. Seven Corners explained all of the benefits of the insurance Shelley and Jack had purchased to the team leader. They arranged for payment to the local hospital with the team leader and detailed the medical evacuation benefit that allowed Shelley to travel with Jack to the pre-qualified hospital which included an accommodation benefit for her as well as the medical care benefits for Jack. There was also a benefit for travel back to their home town in the US to obtain further treatment and recovery once stabilized that Seven Corners staff wanted to make the team leader and the Boomhowers aware of.
During the next weeks, Seven Corners and the hospital maintained frequent contact regarding Mr. Boomhower’s status and ensuring the hospital payment paperwork was handled appropriately. On March 26th, 19 days after the incident occurred, Seven Corners received information from the pre-qualified hospital that Jack was cleared for travel back to the United States. After confirmation by the Seven Corners Medical Director and the Neurologist on his fit for flight status, Seven Corners again worked with the team leader who passed the information on to Shelley. He was officially discharged on April 3rd and transported with Ms. Boomhower back to Charlotte, North Carolina where he is undergoing medical rehabilitation at the Charlotte Medical Center.
The Boomers are grateful for all of the immediate attention that Jack was provided and feel fortunate to have had the support of so many people.
“We believe it is important for people to be prepared if they are traveling overseas and are so thankful that we have taken that seriously when we have traveled.” stated Shelley. “And we are so appreciative for the excellent support of Seven Corners staff during such a trying time. How thankful we are that we had a responsible Insurance that we could rely on when we were out of the United States as well as when we transitioned to services in the US. Everyone has been so helpful through every step of the process. So often we think of dealing with insurances and cringe at the thought of the complicated paperwork and the small print but that has not been the case here. They made the paperwork painless for us, and there have not been any negative surprises which is such a blessing when I really want to focus my time and attention on getting Jack well again.”
Their Journey Ahead The journey of recovery ahead will be a challenging chapter in the Boomhower’s life, and yet their good will and faith will guide them through strongly, and they will go on with their goals of spreading joy and hope throughout the world starting in their own community.
Ms. Boomhower related that their family was not accustom to being the focus of so much attention but continues to express her gratitude for everyone’s consideration and prayers for the family. The entire family was so grateful for the personal attention they were all given by Seven Corners staff and said it was such a tremendous weight off their shoulders to work with a company that was so helpful during their time of crisis.
While no one can be fully prepared for a medical crisis, there are things that can be done to protect yourself so if something does go wrong, expert assistance is immediately available to you. Ms. Boomhower said there was a day when she felt the money spent on insurance when they were traveling seemed like an unnecessary expense considering how healthy they were, but now she wants to take the opportunity to let people know that travel coverage with a reputable company is invaluable. We appreciate the Boomhowers sharing their story to help people better understand what things we might want to consider relating to our health when leaving our home town.

December 12th, 2010 by sugig

Being the owner of a home based business requires a certain amount of skill sorted into areas of expertise which can be assessed and expanded upon at any time but must be effectively established in your plan of attack.

You need to have something to sell. Even though there are several home based business opportunities constantly advertised on the web which seem to sell nothing but an idea, surely it will be only a matter of time (even taking into account the numbers involved in internet marketing); before the word spreads and the lack of substance is exposed. If you don’t currently have a business which you are ready to expand online, find a product which is manufactured and marketed by a reputable company, a company which has documented experience and a proven track record. In this global village many such companies exist and most of the reputable companies have fully trained mentors and complete business tutorials which will guide you to success. In saying this, your product will not necessarily be the hallmark of your success.

The real secret to success in this industry (as indeed any other) is in the marketing. You will require access to the knowledge of the know how in marketing the ability to get the word out there. The real secret to success in internet marketing is not so much in the selling of product, but by helping others to learn the true principles of internet marketing. Establish yourself as trustworthy and a team builder then when you stop worrying about yourself and your business and really try to help others get what they want, you will be successful. To quote the esteemed Chad Rissanen: The Fastest Way to get Rich in Life is to Solve Other People’s Problems

My advice to anyone who is new or even unsuccessful at this game, is that you must find a Mentor. These unselfish people will help you all the way to success at the level you want, and even beyond. In achieving this success, you will be given the ability to know the principles of the internet marketplace so you can source the most effective way to get your name out there. There are many forms of internet advertising many of them very useful and rewarding and many that are possibly not for you. Never go for the uneducated scattergun effect. All the advertised forms of free advertising, which can be very rewarding, will never replace paid for advertising, Budget into your plan paid for advertising which will accelerate your success It is very easy to be distracted from your original plan, every day the next best thing comes along looking very attractive, stay on track and listen to your mentor. The right mentor will put you in control of a business which is fun and easy, but always keep in your mind the fact that if anything is worth doing it is worth doing well.

November 22nd, 2010 by sugig

The quality of our lives is often based on our circumstances. How those circumstances influence our lives is often based on how we are affected emotionally. And how we allow those circumstances to affect our emotional state is definitely based on perspective.

I believe perspective to be the secret to true happiness. The mental state in which we live, whether happy or sad, patient or frustrated, relaxed or anxious, is often due to whatever is going on in our lives at that particular time, whether that time be a second, an hour, a month or a year. At least, that is what we believe it to be due to. However, situations are simply triggers to mental states. Ultimately how we feel is really up to us, isn’t it? Our brain is producing the chemicals which in turn tell the rest of our body to act or feel a certain way. Our brain,our body, our feelings, our emotions. We do have a choice, we don’t have to be slaves to circumstances, and that choice is to change our perspective until it suits our desires.

Let’s not kid ourselves, emotions are very powerful things. They can throw us into hysterical fits of laughter or send two countries into war. To think we can control them is hardly realistic, those brain chemicals react incredibly fast and have a very powerful effect. However, we don’t need to control the response, we need to control the circumstances creating the response. Again, we need to decide what our perspective is going to be.

One of the best examples I can think of is unexpected traffic. You’re on your way somewhere, need to be there for a certain time, everything is going according to schedule when BAM!, you turn the corner and end up in bumper to bumper traffic as far as the eye can see. For most of us the initial reaction is to probably swear, a lot, then see if you can’t back up, wonder why you let this happen, realize you’re going to be late then just sit there in a pissed off mood all the way until you start moving again. Then even once you start moving you will probably still be frustrated because you’re running late and it just keeps getting worst and worst. It doesn’t have to be this way. Here are some ways you can create some different scenarios for the same situation if you learn how to change your perspective:

Once you hit traffic ask yourself the following questions:

* Could I have avoided this traffic? How could you when you didn’t know it was coming?
* Is there anything I can do to make it go away? Of course there isn’t, there are too many cars everywhere and you are but one among many all facing the same problem.
* And the most important question: Is my being upset and frustrated going to help in any way to make things move along faster? And of course the answer is no, it will not.

If you ask yourself those questions right away, you may find your perspective suddenly changing a little bit. To take it a step further, try some of the following:

* Look around you at the other people stuck with you. Look at the man blowing his horn when you know it is useless to do so. Look at the woman with the scowl on her face and how irritated she looks. Then ask yourself if you really want to be like those people? Or do you want to be better than them?
* If you find out the traffic was caused by an accident, tell yourself better to be a little bit late then to be the one in the accident and never get there at all.
* If you have a big day ahead of you, sit back, put some good music on and appreciate the fact that you get a little extra down time that you weren’t expecting to plan out your day.

The trick is to not wait too long to take these steps. Our brains tend to continue down the path they started on, so if that frustrated state continues for too long, it will be difficult to recognize it and change it. But if you attack it right away, you will surprised how quickly your perspective begins to change.

The example I gave works for everything, you just have to be ready for it. Like everything else, it takes practice. So the next time you’re “stuck in traffic”, think of it as an unforeseen opportunity to work on changing your perspective. Remember these 3 important steps:

1. Recognize that you are being negative and acknowledge it
2. Ask yourself what good is this negativity doing for you in this situation?
3. Look for a way to put a positive twist on the situation, no matter how ridiculous it may seem at the time.

Remember, our emotions are a bunch of chemicals balanced in a certain way. As quickly as they can shift to the negative, they can shift right back to the positive, you just have to tell them to do it.

November 10th, 2010 by sugig

With so many different businesses and emails coming witnessed by anybody on the internet today, it is not easy to know who to trust or which is a scam. Many people don’t follow the important aspect of ethical business online due to the anonymity of the internet and lack of punishment. So as a consumer and a online business marketer it is important to expect fair transactions and render services that are promised to the buyer. Without business ethics being practiced online it makes all potential customers skeptical, with good reason online and thus less likely to trust any online service.

Nobody wants to be left high and dry after paying for a service up front only to realize that the person whom promised certain services take the money and run. This is why an important part of The Ethical Aspects of Business Marketing is to get paid when the service is complete. In case of any misunderstandings or disagreements that may lead to lending services and not receiving compensation it is a good idea to have some sort of a contract signed by participants.

An essential part The Ethical Aspects of Business Marketing is contracts. This way both the consumer and the business person can both get what they expect without any misleading or questionable deeds. Basically, both people who are part of the transaction sign which means that each legally must abide to the terms that are agreed upon. The person lending the services get their money while the people paying for it get what they wanted without any controversy or unpleasant surprises.

Online web design and other services offered are important to any business owner or web designer. The Ethical Aspects of Business Marketing are integral to this notion, without any trust between clients and businesses, nobody benefits.