With the Changes in the economy Americans are scaried. Who can you call to help you? Read this important Article to help you with...
Debt Collection Litigation Breeds Fear and Paralysis Among Consumers - MarketWatch
Thursday, December 9, 2010
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Wednesday, January 13, 2010
Pre-Paid Legal SCORES HIGH
Pre-Paid Legal Services, Inc.
Scores High on Validea's 'Hot List' Portfolio
ADA, Okla., Jan. 12 /PRNewswire-FirstCall/ -- Pre-Paid Legal Services, Inc. [PPD] has earned a position as one of the top 20 U.S. companies on Validea's "Hot List" portfolio, a stock screening (selection) system that identifies the highest rated stocks from among 6,000 stocks tracked by Validea.com. Validea utilizes a proprietary software system which is based on the investment strategies of 12 leading U.S. investors, such as Peter Lynch, Warren Buffett and Joel Greenblatt.
In a TheStreet.com article from Jan. 8, 2010, Validea's Founder John Reese highlights Pre-Paid Legal Services, Inc. (PPD) for its overall ranking as the smallest of small cap (capitalization) companies on the list and specifically for its "impressive" ranking among three of Validea's "Guru System" strategies, based on investment methodologies of Peter Lynch, Warren Buffett and Joel Greenblatt.
The Peter Lynch model utilizes a P/E/G ratio (price-to-earnings ratio relative to growth), which is a measure of how much investors are paying for growth. According this model, Reese said, "A P/E/G of 1.0 or less is acceptable, and 0.5 or below is really impressive." Reese said, "Pre-Paid Legal Services' P/E/G is an impressive 0.37."
The Warren Buffett based strategy utilized in the "Guru System" projects an annual increase in stock value over a 10 year period. According to this investment model, an annual increase of 15 percent is acceptable. Reese has written that under the Warren Buffett based strategy, "Pre-Paid Legal Services is expected to earn its investors a remarkable 26.7 percent."
PPD also garnered a high ranking in Validea's "Guru System" strategy based on the approach of investor Joel Greenblatt. The Greenblatt strategy utilizes a ranking comparison of thousands of stocks based on earnings yield, or the earnings per share divided by the stock price, and return on capital, or how profitably a company utilizes its assets. Reese noted that according to this strategy, PPD ranked second among the 6,000 stocks tracked by Validea.com.
In a Kirk Report interview from 2009, John Reese commented on the "Guru System" and the 12 investment strategies that form the basis of the Validea system. "While each strategy is very different, they are all investing methodologies that determine whether or not the stock of a company is a good value based on the underlying fundamentals of the company."
Commenting on the "Hot List" ranking, Pre-Paid Legal Services Founder and CEO Harland C. Stonecipher said, "The Validea.com report is encouraging both as an indication of Pre-Paid Legal Services' value as a corporate investment and because it highlights our value proposition with approaches taken by world-class investors."
PPD has recently been recognized as one of 20 undervalued small cap company stocks by Motley Fool analyst Anand Chokkavelu (October 31, 2009) and as the 4(th) highest rated stock among the 3,500 highest rated U.S. stocks, based on an October 2009 ranking by investor Joel Greenblatt (cited in RealMoney). This past year, PPD was also ranked 66 on the Forbes Magazine listing of "America's 200 Best Small Companies."
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 as well as 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 because of the combination of outside vendors and our provider law firms. More information about us and our products can be found at our homepage at http://www.prepaidlegal.com/hub/wchconsultan.
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 consumer purchases of discretionary items may be impacted by a downturn in the economy, 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, 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 and that we have repurchased more than half of our outstanding shares. Please refer to pages 18 through 20 of our 2008 Form 10-K/A and pages 7 and 8 of our September 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.
Pre-Paid Legal Services, Inc. -Independent Associate
Contact Bill Harrel for more information on how you can become part of a New York Exchange Company. wchconsultants@cox.net - www.presentationppl.com
1-877-775-9369
Sunday, November 15, 2009
America's TOP 100 Companies
DeMarche and Associates (Stock Market Exoerts) The Company gave awards for 2009 went to the Best 100 companies in America. PRE-PAID LEGAL SERVICES, INC. was rated one of the BEST STOCKS in 2009 and at the same time voted one of the BEST 200 companies in America #66 by FORBES Magazines.
When looking at a company you want to look at the company, the need of their services, the Services or products they provide, the compresation, the timing! This comes from HARVARD UNIVERSITY.
Pre-Paid Legal is a NYSE Company, they are publicly traded, they are nationwide, also in Canada. They provide the TOP Services for Legal Access and also offer the #1 Identity Theft Protection from KROLL (also traded Publicly). This two Powerhouse companies are providing the nation with the ONLY TOTAL Complete WALL of Security for you and your family!
They have a legal plan for your company also providing the BEST Services for your company with less than 100 employees. As of right now they offer the services to over 34,000 companies as an employee benefit. Does your company have our services? Get in contact with Bill Harrel, Executive Director of Employee Benefits and also Certified Identity Theft Risk Management Specialist to find out how you too can have the TOP company helping with your legal needs!
GO here to see more www.itsbenefits.com
When looking at a company you want to look at the company, the need of their services, the Services or products they provide, the compresation, the timing! This comes from HARVARD UNIVERSITY.
Pre-Paid Legal is a NYSE Company, they are publicly traded, they are nationwide, also in Canada. They provide the TOP Services for Legal Access and also offer the #1 Identity Theft Protection from KROLL (also traded Publicly). This two Powerhouse companies are providing the nation with the ONLY TOTAL Complete WALL of Security for you and your family!
They have a legal plan for your company also providing the BEST Services for your company with less than 100 employees. As of right now they offer the services to over 34,000 companies as an employee benefit. Does your company have our services? Get in contact with Bill Harrel, Executive Director of Employee Benefits and also Certified Identity Theft Risk Management Specialist to find out how you too can have the TOP company helping with your legal needs!
GO here to see more www.itsbenefits.com
Tuesday, October 6, 2009
WHY OFFER A PRE-PAID LEGAL PLAN
Why offering a Pre-Paid Legal Plan with your company’s benefits package pays off for employees--and for you as the Owner.
A Pre-Paid Legal Plan is just what it sounds like: an arrangement that gives an employee access to the services of an attorney for a wide range of legal needs. Depending on the type of plan, the possibilities range from assistance in creating a WILL to contract negotiation to representation in divorce proceedings or for a major trial.
The number of employers offering pre-paid legal plans to their employers is growing, but right now, it’s still pretty small, only 34600 companies today offer the services as a benefit. According to the International Foundation of Employee Benefit Plans’ Employee Benefits Survey: U.S. and Canada 2009, about a quarter of respondents say they offer a legal services plan to their participants. The Society for Human Resource Management conducted a similar employee benefits survey and found that about 21 percent offer legal services.
The benefit to the employees is fairly straightforward. "It gives people access to the legal system," says Nick Serba of Pre-Paid Legal Services. "Most people are priced out of the legal system. They can’t afford it, or they don’t know someone who can help them."
Terry Perry, owner of PinkSlip, a three-person company in San Jose, Calif., was grateful for her company’s prepaid legal plan two years ago when she received a speeding ticket while out of town. She called and received an attorney’s assistance to get it settled quickly.
"The benefit is fantastic for those sorts of things," says Perry, who has offered the plan as a benefit to her employees for three years.
So what’s the payoff for employers? Studies have shown that employees who are satisfied with their benefits tend to be more satisfied with their jobs in general. Proponents of prepaid legal plan benefits say access to legal services tends to reduce employee absenteeism because employees can get the services they need. They don’t need to miss work to sort out their legal affairs.
"It keeps the employees in a more productive mode," Serba says.
It can be useful, Perry agrees, but she notes that some people may be reluctant to spend any additional money right now.
"I know people are cautious about how they’re spending their money," says Perry, who asks her employees to pay for this particular benefit if they want to use it.
The cost of offering this service varies, depending on which plan and administrator you choose. The American Prepaid Legal Services Institute estimates that the cost can range from $70 per year per employee to as much as $400 per year.
FOR MORE INFO -contact wchconsultants@cox.net - 1-877-775-9369
A Pre-Paid Legal Plan is just what it sounds like: an arrangement that gives an employee access to the services of an attorney for a wide range of legal needs. Depending on the type of plan, the possibilities range from assistance in creating a WILL to contract negotiation to representation in divorce proceedings or for a major trial.
The number of employers offering pre-paid legal plans to their employers is growing, but right now, it’s still pretty small, only 34600 companies today offer the services as a benefit. According to the International Foundation of Employee Benefit Plans’ Employee Benefits Survey: U.S. and Canada 2009, about a quarter of respondents say they offer a legal services plan to their participants. The Society for Human Resource Management conducted a similar employee benefits survey and found that about 21 percent offer legal services.
The benefit to the employees is fairly straightforward. "It gives people access to the legal system," says Nick Serba of Pre-Paid Legal Services. "Most people are priced out of the legal system. They can’t afford it, or they don’t know someone who can help them."
Terry Perry, owner of PinkSlip, a three-person company in San Jose, Calif., was grateful for her company’s prepaid legal plan two years ago when she received a speeding ticket while out of town. She called and received an attorney’s assistance to get it settled quickly.
"The benefit is fantastic for those sorts of things," says Perry, who has offered the plan as a benefit to her employees for three years.
So what’s the payoff for employers? Studies have shown that employees who are satisfied with their benefits tend to be more satisfied with their jobs in general. Proponents of prepaid legal plan benefits say access to legal services tends to reduce employee absenteeism because employees can get the services they need. They don’t need to miss work to sort out their legal affairs.
"It keeps the employees in a more productive mode," Serba says.
It can be useful, Perry agrees, but she notes that some people may be reluctant to spend any additional money right now.
"I know people are cautious about how they’re spending their money," says Perry, who asks her employees to pay for this particular benefit if they want to use it.
The cost of offering this service varies, depending on which plan and administrator you choose. The American Prepaid Legal Services Institute estimates that the cost can range from $70 per year per employee to as much as $400 per year.
FOR MORE INFO -contact wchconsultants@cox.net - 1-877-775-9369
Wednesday, September 2, 2009
Top Five List of Legal Services Requests
Debt Collection was the leading nationwide service request among legal service plan members of Pre-Paid Legal Services, Inc. [PPD] during the second quarter of 2009, followed by (2) Foreclosure/Eviction, (3) Family Law, (4) Bankruptcy and (5) Employment Issues. The Pre-Paid Legal Services (PPD) "Top Five List" is based on the total volume of member (customer) requests for service submitted to the network of 53 independent provider law firms that provide legal services to Pre-Paid Legal Services members throughout the U.S. and four Canadian Provinces.
In total, the requests for service were from individual, group and business plan members of Pre-Paid Legal Service's legal service plans. The specific breakdown of requests for service from these members (by percentage of total requests) include: individual members (78 percent), group members (14 percent) and business members (8 percent).
"The Pre-Paid Legal Services Top Five List is intended to be a 'snap-shot' of the issues that legal service plan members are facing today, and given the economic hardships that so many Americans are experiencing, it's not a pretty picture," said Pre-Paid Legal Services Founder and CEO Harland C. Stonecipher.
In total, the requests for service were from individual, group and business plan members of Pre-Paid Legal Service's legal service plans. The specific breakdown of requests for service from these members (by percentage of total requests) include: individual members (78 percent), group members (14 percent) and business members (8 percent).
"The Pre-Paid Legal Services Top Five List is intended to be a 'snap-shot' of the issues that legal service plan members are facing today, and given the economic hardships that so many Americans are experiencing, it's not a pretty picture," said Pre-Paid Legal Services Founder and CEO Harland C. Stonecipher.
The top five legal service requests are based on the following:
Debt Collection - includes legal assistance to support our members against other parties and defending members from third-party debt collectors, Foreclosure, Eviction- represents legal service to protect members from foreclosure/eviction and support for members in tenant
eviction Family Law - includes legal services related to divorce, child support, child custody and child visitation Bankruptcy - includes personal and business bankruptcy Employment Issues - includes termination, wrongful termination, layoffs, unemployment compensation, severance agreements and employee vs. independent contractor issues
Debt Collection - includes legal assistance to support our members against other parties and defending members from third-party debt collectors, Foreclosure, Eviction- represents legal service to protect members from foreclosure/eviction and support for members in tenant
eviction Family Law - includes legal services related to divorce, child support, child custody and child visitation Bankruptcy - includes personal and business bankruptcy Employment Issues - includes termination, wrongful termination, layoffs, unemployment compensation, severance agreements and employee vs. independent contractor issues To Enroll on the services and find out more about PPD - Go to http://www.itsbenefits.com/ and ask Bill Harrel - Independent Associate, Executive Director, Certified Identity Theft Risk Management Specialist
Tuesday, August 25, 2009
Pre-Paid Legal Services, Inc. Among Top 100 U.S. Companies
Pre-Paid Legal Services, Inc. (PPD 48.71, +0.71, +1.48%) has been named one of the 100 Best U.S. companies in the Fifth Annual Best Company Survey by DeMarche Associates, Inc., a leading U.S. Investment Research firm.
The award is based on independent DeMarche research which studies the "fundamentals" of more than 3,000 U.S. corporations in terms of growth and risk management factors in maintaining shareholder value. According to the DeMarche report, being one of the top 100 Best Companies places PPD within the top 3 percent of all U.S. corporations.
As one of the Best 100 U.S. companies, Pre-Paid Legal Services shares the spotlight with other notable companies, such as: Best Buy, Costco, Hewlett-Packard, IBM, Microsoft and Wal-Mart.
"This is excellent news for Pre-Paid Legal Services as it provides confirmation that our company is among the best in the U.S.," said Pre-Paid Legal Services Founder and CEO Harland C. Stonecipher. "This designation also underscores our corporate goal to maintain growth while managing risk."
From Independent Associate, Bill Harrel- He says, "Find out why we at Pre-Paid Legal Services, Inc. continue to grow each year by providing the best Legal Services and Identity Theft Plans in North America. To find out more go here - www.greatcareerplan/starthere
Feel free to contact Me at and find out how you can also be able to have the opportunity for your family to be protected and have access. I am a certified Identity Theft Risk Management Specialist and provide Identity Theft and Legal Seminars to companies, large or small. Make sure that you schedule a time to have your company and employees trained on what to look for in Identity Theft to help mitigate damages to your company.
The award is based on independent DeMarche research which studies the "fundamentals" of more than 3,000 U.S. corporations in terms of growth and risk management factors in maintaining shareholder value. According to the DeMarche report, being one of the top 100 Best Companies places PPD within the top 3 percent of all U.S. corporations.
As one of the Best 100 U.S. companies, Pre-Paid Legal Services shares the spotlight with other notable companies, such as: Best Buy, Costco, Hewlett-Packard, IBM, Microsoft and Wal-Mart.
"This is excellent news for Pre-Paid Legal Services as it provides confirmation that our company is among the best in the U.S.," said Pre-Paid Legal Services Founder and CEO Harland C. Stonecipher. "This designation also underscores our corporate goal to maintain growth while managing risk."
From Independent Associate, Bill Harrel- He says, "Find out why we at Pre-Paid Legal Services, Inc. continue to grow each year by providing the best Legal Services and Identity Theft Plans in North America. To find out more go here - www.greatcareerplan/starthere
Feel free to contact Me at and find out how you can also be able to have the opportunity for your family to be protected and have access. I am a certified Identity Theft Risk Management Specialist and provide Identity Theft and Legal Seminars to companies, large or small. Make sure that you schedule a time to have your company and employees trained on what to look for in Identity Theft to help mitigate damages to your company.
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