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Business to Business Collections

Lawsuits should be used as a last resort when attempting to collect money owed. Any lawyer will tell you that a lawsuit is a very inefficient and expensive way to resolve debt issues. You also lose control over many issues because a judge and/or jury will be making the decisions instead of you. The use of a collection agent can also be expensive but their use can keep you in control and in most cases a lot quicker. As amazing as it may sound, most small business owners would rather lose the entire amount owed on a debt rather than giving a collection agent a third (33%) of that debt to collect it. The way I see it is that 67% is a heck of a lot better than 0%. I mean, I actually get excited when one of my accounts goes to collections because I know it will be paid soon. My collection agent is a “Pit Bull” and there is absolutely no one that can handle his constant badgering and harassing. I am talking about Business to Business collections. In most states there are no laws protecting businesses from collection agents like there are for consumers. Therefore they can be forced into paying.

Here are ways to limit the use of a Collection Agent and collect your past due accounts.

Don’t extend credit!

First of all, the best way to prevent the use of a collection agent is to not extend credit in the first place. This can be achieved by explaining to the customer that the terms are COD and asking him or her to either bring a check with them or making sure they have a check on site to give to your service technician. It’s nothing personal and most other small business owners understand the importance of keeping the cash flowing. If you are up front and consistent, asking for a check becomes second nature.

Let your customers know you mean business right out of the gate!

Secondly, if you must extend credit you need to tell them that you expect to be paid as soon as possible and that they shouldn’t wait 30 days. Put “Payable Upon Receipt” on the invoice. Let your customers know right away that you will do everything in your power to collect the debt and that you intend on getting paid. It needs to be clearly spelled out on your job tickets, contracts and invoices. This should also be explained verbally. I always say something like “sorry I couldn’t take your call, but I was on the phone with our collection agent” or “my lawyer” or something to that affect and then I start discussing how I would never leave another small business owner hanging for his/her money. Don’t direct it towards them but discuss the problems that non payment causes and how much you despise a deadbeat.

Use a quality looking invoice system!

Third, you need a competent invoicing system. This includes quality invoicing software. Your invoices should be printed on quality letterhead and should always include a number 9 return envelope pre-addressed with your company name and logo on it. Your invoice package should scream out “I MEAN BUSINESS!” and not “Please pay if you get a chance someday!”

Be fast and consistent with your invoicing!

Fourth and very importantly you must send out your invoices immediately if not sooner. Send Statements every 15 days. When your customer’s invoice goes over 30 days, you must make a “courtesy call” and then you need to start sending an invoice every week. I always fax an invoice and then take it out of the fax and then mail it to them. This says “hey look, you owe me money and you are late!” Have some rubber stamps made up that tell your customers how you feel. Make them unique to your business! I have one that says “we were there for you, now please be there for us.”

It’s time to get your Collection Agent!

Sometimes no matter what you do seems to work so you have to seek professional help. Statistics show that if someone doesn’t pay you within 60 days chances are great that they will not pay you within 90 days. You must assume that at the 60 day past due point that they are simply out to rob your company. You must come to the realization that they will never pay you and they must be dealt with in a more severe manner. Remember no one likes to lose a customer but a customer that doesn’t pay is no better than a common shoplifter and should be dealt with accordingly. They are essentially thieves! Once their account has gone to collections you should never deal with that customer again unless they pay the collection fee of 33%.

© 2007 Affordable Concrete Cutting Massachusetts, Inc. All Rights Reserved

Affordable Concrete Cutting Massachusetts uses Jeff from A.F.A. Collections 508-541-1252 for our commercial collections. Affordable Concrete Cutting provides concrete cutting, sawing, breaking, core drilling and has offices in both Massachusetts Sudbury MA Concrete Cutting and in New Hampshire Plaistow NH Concrete Cutting - We specialize in cutting doorways and windows in concrete foundations.

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Chapter 6 of 14

Factors that determine what you should offer the celebrity endorser.

Quite frankly this is where you become the detective. It shouldn’t take a rocket scientist to figure out that there will always be optimal situations which will be in your favor. If you understand how to sift through the details and perform a little self-analysis, you can quickly, accurately, and cost effectively determine a pricing range. One thing that we have steadfastly learned over the years is that when a celebrity endorser says “Well I usually make x for an hour or two”, that is just their way of trying to establish a fee albeit on the high side. An individual not accustomed to dealing with celebrity endorsers might say that’s fine…do not ever say that. Never commit to a dollar figure right out of the gate. All things are negotiable. Following are a few examples of some of the things that we have done that will give you insight into your negotiating prowess.

Horror Story: Many years ago we had paid for a very famous celebrity endorser to appear in Richmond, Virginia. The terms of the deal were spelled out clearly and all monies had been paid in advance. This particular deal was with one of the most famous baseball players of all time. We agreed to and paid for a three-hour signing. When we picked up the individual at the Richmond airport we should have known we were going to have a rough day. Five minutes into the ride our celebrity endorser told us he had upgraded to first class and that we owed him an additional five or six hundred dollars. We told the celebrity endorser that according to the contract (which we had in our hot little hands) that he needed prior approval before we would pay for such an upgrade. He then said if we wanted his services we would need to cut him a check on the spot for the increase in fare. Rather than ruin our show (hundred’s of people were already in line waiting to see him) we wrote out the check…it was a Sunday. We later found out that he flew for free.

Once we were at the fairgrounds we treated him like royalty. When it came time for him to do his thing (sign autographs) we escorted him through the now close to 1,000 people who had pre-paid for an autograph and sat him at his signing booth. We had him under contract for three hours and with a little luck we would get through everyone…until our celebrity endorser decided to make it a social event. It’s great to interact with the customer but not on our dime. When the three hours were up the line was still about 300 people long. We were then informed that he was on overtime. Overtime meant to him that the price of every signature just went up by $15 each at our cost. Naturally we were in a very tough position…we had pre-sold the tickets…hundreds of people were still in line…and we could not afford to ruin our reputation. We were cornered. We could only agree to the demands although it was not in our best interest. It was then amazing to see this remarkable transformation. From slow motion to the fastest signer we had ever seen. Why not, we had just been robbed of another $15 per item. We gave him a check for the difference escorted him out of the building and left him standing on the curb…our limo was suddenly out of service and wished him well. Bright and early Monday morning before the banks were even open in California we put stop payments on both checks. The company had some irate calls but they were always much to busy to take the call.

Another true but not so degrading story comes to mind. We had worked out another signing deal with a pretty well known ex-baseball player to sign baseballs for one of our clients. The client needed five hundred balls but only had a budget of $3,000, which we knew was the going price of the athlete for one hour. There was no way he could sign, even under normal conditions, five hundred baseballs in one hour. Our dilemma was how we could satisfy both the client and the athlete. We wanted to make this deal work for more than a few reasons. Our solution was to build a special ball holder that was eight feet long. We were able to line up the balls all with the sweet spot showing and all the athlete did was sit on a rolling chair and go down the line signing. Each ball was perfect as none of the balls were ever touched. As soon as he was done with one row we had another one ready. In record time he signed all five hundred balls. We had a satisfied customer and a happy athlete. He even took us out to dinner.

Yet another situation dealt with a famous home run hitter. We had secured a super large signing for him. He needed $50,000 for something he was doing. He also wanted an average of $25 per signature. We were at an impasse as our client wanted the items but didn’t want to pay $25 per item. The athlete wanted $50,000 and no less. Our solution was to renegotiate the deal so that everyone got what they wanted. It meant a lot more work on the athletes part but in the end he received his $50,000. The customer ended up with five thousand signed items, which he quickly sold for a nice profit, and the athlete received the money he needed although it was a lot more work than he anticipated. In the long run it was a win-win for all parties.

We had another client request for an athlete to do a signing at a truck show. Price was a consideration but we discovered that the athlete loved big trucks and wasn’t that interested in the money. All he wanted was an all expense paid trip to the show. The company worked out a deal with the athlete to sign for a couple of hours and do a general meet-and-greet. The athlete loved the show so much he spent the entire day at the booth for nothing. He is now working out a deal with the company to attend the trade shows just so he can have something to do. In this case all they are paying are his expenses. He likes the show so much he is doing it for free. As you can see, we really found the right celebrity endorser for the right company!

As you have seen, working out the right compensation plan requires some creativity. Always start low and listen to what the celebrity endorser really wants out of the deal. Maybe it’s a product that they use and will trade time for the product. Whatever the deal, you must probe, asking specific questions that can uncover the real reasons the celebrity endorser is interested in your offer. Often it is something other than money they seek, although as we mentioned above, they do “love the color green.”

Our experiences over the last 16 years have resulted in many, deals for us. In the early years we closed a ton of deals just on a handshake. Those days are long gone, however, occasionally with our well-known celebrity endorsers, we only need a handshake as a guarantee of performance. We do not recommend that you do this with anyone unless you have a proven long-term track record with that person. It’s a deal set up to go awry, if you rely on just a handshake.

In summary we recommend the following when negotiating your best deal:

–Always start low

–Identify the real needs of the celebrity endorser

–Determine what your needs are

–Try to make contact without using an agent

–Keep them busy and you win

–Always have alternative ways of generating revenue from the celebrity endorser

–Shop around and don’t settle for the first person you contact

–Don’t seem anxious

–See how busy they are and what other deals they might have in the pipeline

–Timing can be everything…for example, approach ex-baseball players when baseball is not in season. They all slow down dramatically in the winter.

–Define an outline for the celebrity endorser exactly what you expect of them

–Have more things lined up for them to do if things are going slow…keep them busy

–Appear to be only lukewarm on the prospects of a deal

After all, it’s your company’s money and product. Always make sure you establish who is in charge…because you are the boss.

Copyright © Ron Tyler 2007

Ron Tyler is a principal in TylerMarketing and the creator, along with a few other folks of the SuperBlog concept. Ron and his group have made a number of high level presentations using the SuperBlog as the media distribution alternative, with excellent results. The group will be rolling out its first SuperBlogs in April. The SuperBlog is a multi media concept created to solve the ever present problem of media communications and the shrinking opportunities for media placement in traditional channels. Ron can be contacted directly via email at rtyler51@comcast.net.

Article Source: http://EzineArticles.com/?expert=Ron_Tyler

The best thing about Lasik recovery is that it is incredibly short! If you are thinking about undergoing a Lasik laser eye surgery you will find that the recovery process is simple. Once you have decided and gone through your Lasik surgery you will find that you will be able to go back to work and on with your everyday life the very next day!
Following your Lasik surgery you will endure almost zero side effects. In fact, within a day or so after your surgery you can be back to your normal routine and not be forced to refrain from any of your work or leisure time activities.

Be sure you know, though, what type, if any, of after surgery eye care your surgeon will want you to perform. Usually, there is little to no after surgery care necessary. Every lasik surgeon has his or her own after care procedures, so make sure you know what your particular surgeon requires.

Too, occasionally, as with any surgery, you need to be aware that something could go wrong. You will want to be sure you fully understand the risks involved and get your surgeon to tell you about them in depth. You will also want to make arrangements just in case you should have to miss an extra few days of work if for any reason everything does not go smoothly with your surgery.

Truly, after your lasik surgery, you should have no discomfort or side effects-and you’ll be able to see without your glasses within a day or so as your eyes heal from the surgery. Results, though, are practically immediate and you’ll be happily amazed at the dramatic change. So don’t delay, make your appointment for lasik surgery as soon as possible and say good bye to your glasses!

More information about Lazer Vision correction, Lasik, and Laser eye surgery can be found at http://www.lasereyeguide.com

Original sourcehttp://www.lasereyeguide.com/lasik-vision-correction.html

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Lasik vision correction surgeries and procedures have become the number one choice today for anyone looking to correct their vision problems. Your eyes are sensitive and delicate, take care of them. Lasik understands eyes and vision better than anyone, you can trust in them to provide you with the best vision correction surgeries and the most effective around.
Lasik understands vision correction so well that they have created two great procedures to help you correct your vision in the most efficient way. These two procedures are two that fit most people’s needs and preferences. Your vision can be corrected with only one simple surgery. Vision correction has never been so simple!

No matter what type of procedure you choose, you will find that your vision will be increased instantly. Lasik knows how to correct vision and they do it right the first time so that you do not have to endure more than one surgery. One procedure is all that you need to see results in your vision. Vision correction is the number one concern today and there are many great solutions found with Lasik.

Searching for the perfect vision correction treatment is no easy task. There are many factors to consider when you are talking about your eyes. Lasik has available for you the two best eye procedures no matter what type of eye impairment you have. Correcting your vision should be your number one concern and now that these services are available for you, why not take it?

Lasik eye correction is for everyone! You can choose the procedure that is best for you and watch the results yourself! Correcting your vision is no longer an impossible task, this is something you can accomplish in one day and take advantage of the great results the very next day. Without great vision, you could be missing out on great parts of the world. Check out Lasik today and see what you can do about your vision.

More information about Lazer Vision correction, Lasik, and Laser eye surgery can be found at http://www.lasereyeguide.com

Original sourcehttp://www.lasereyeguide.com/lasik-vision-correction.html

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No Credit Check

There are cash advances advertised as “No Credit Check Required”. This means that they do not ask you for a signed check in advance, to act as collateral for the loan. Those who do, have a way of getting their money back, by cashing your check and leaving you a problem with your bank…

Even More

There are also no-fax loans, meaning that you don’t have to fax in as much documentation as others: Just the minimum necessary. I would call them “less-fax loans”, but… ahhh, advertising is advertising, eh?

Another Advantage

The use you will give to the loan doesn’t have to be disclosed. That is why they advertise their loans as “discreet”.

Now, The Usual Hints

Always shop first, if on Internet, even better. There are on-line applications, so be careful not to apply for one yet. Just get a free quote. If you apply but you don’t close a deal with that lender, the information is equally registered on your credit report.

So, three or four applications are registered without saying why you didn’t take the loan with the mentioned lender. Some will think you go to them because you were turned down at the previous ones and start panicking and turn you down for real. Now, you’re in trouble. Get it?

Beware

If you don’t find a link to a free quote, then don’t continue. Go on to the next one and know what you will be getting and what you must pay, before you actually sign up. There are many lenders who directly let you apply on-line, when you are in the erroneous belief that you are only asking for a quote. Then suddenly, you get an e-mail saying that your payday loan or cash advance has been approved!

Amounts

The amount of a cash advance can range from 50 dollars to 500, for newcomers. Return customers will be able to get higher amounts, but up to a certain percentage of your salary. Make sure you have that very clear.

The Procedure

As soon as you apply, you will get approved in not more than 24 to 48 hours, and the sum is deposited directly into your bank account by the following business day.

A Separate Matter

The interest rate or rather fee, as it is in this case, is rather high. There is always a price to pay for such a convenient loan. However, you must know this in advance. When evaluating a cash advance, you have to know whether you are willing to pay the loan fees and decide upon that as well.

One Indirect Benefit

Such quick loans have such a short payback period that it can serve to immediately improve your credit rating on your report, provided you haven’t got any false applications. However, I wouldn’t suggest doing this very often just to get better ratings, due to the high cost of the loan.

—

Mary Wise, a professional consultant at Badcreditloanservices.com with twenty years in the financial field, prevents consumers from falling into the hands of fraudulent lenders.
In her website you will find more useful tips and interesting financial articles on this and many other related topics.

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Whether we call them clients, guests, members or patients, they are our customers. They are the ones who write us checks to pay our bills and salaries. We compete daily to acquire them and maintain their loyalty. It could also be stated that we continuously compete to acquire and keep our internal customers, those employees whose job it is to attract and maintain our external customers.

Studies show that 70% of lost customers depart not because of price or quality issues. They are lost because they didn’t like the human side of doing business.

What does this say about the value of internal customers? In the case of both types, isn’t it usually more cost effective to keep an existing one than to attempt to find a new one?

So one could argue that it makes sense for management to compete, schmooze and maybe even bend over backwards with equal vigor for both kinds of customers, right? How often is management’s attitude the same toward delighting both types? What keeps this from happening?

The significant difference between internal and external customers is: Who’s writing the check? Because management writes the checks to our internal customers they are viewed and treated differently than those who pay us. We inherently feel that the paycheck should be enough. Too often, loyalty is assumed rather than earned. And how does that mindset really work when it comes to attracting the best? When your internal customers don’t like the human side of your business, what happens with those who do write the checks? Regardless of who writes the check, when loyalty of internal customers is lost, cash flow is jeopardized.

The CEO of one highly effective organization uses a sports tournament analogy to describe how they have successfully attracted and maintained a core of special internal customers:

We used have an Open. Now it’s an Invitational.

Their Invitational reputation attracts the top candidates and they choose from the best of the best. In turn, customers have flocked; to the frustration of their competitors who have lost out both internally and externally. The law of attraction continues to drive their successful, steady growth.

Are you measuring customer satisfaction both internally and externally? What processes do you have in place for improving your numbers?

If you are looking to improve your ability to compete, ask yourself…

Are you content to hold an Open? Or working toward becoming an Invitational?

Tom Lemanski is the President and founder of Vista
Development, a boutique strategic development firm serving metro Chicago, IL
Tom has served as business catalyst and executive coach in over thirty different
product and service industries. Tom can be reached through any of the sites below or by phone: 847-726-7707

http://www.vista-development.com

http://www.ChicagoExecutiveCoaching.com

http://www.ChicagoSalesCoaching.com

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In today’s world, parents often begin planning for a child’s education far in advance. Most Los Angeles County residents are not satisfied with their neighborhood public school. Instead, they search for designer private schools in order to provide their children with the best possible educational foundation money can buy. If their children are lucky enough to be accepted into these prestigious programs, parents are then faced with the staggering tuition costs associated with these institutions.

This focus on education does not dissipate simply because a marriage ends. The need for a quality education remains a priority. Unfortunately, the costs of divorce and the death of the community income may cause some parents to question the practicality of exorbitant tuition costs.

In families where one party generates the majority of the income, this analysis becomes even more complicated. If you are the high earner, does California law require you to cover some of (or all of) the costs of private school tuition? If you are the low earner or non-earner, does California law allow you to rely on the other party’s higher income to support the costs of private school tuition?

And even in situations where each party’s income is relatively similar, does California law impose some kind of equal division of such costs?

Private education as a discretionary “add-on”

The California Family Code sets forth a mandatory formula for child support that theoretically takes into account each parent’s “circumstances and station in life” and “ability to pay” child support. This formula, however, does not include “special” and unique child-care expenses a particular family may encounter. In order to provide for these additional expenses, the Family Code has created two types of child support “add-ons”–one entitled “mandatory” and one entitled “discretionary.”

Educational costs for a child are deemed discretionary rather than mandatory. This means that a particular judge has the discretion, or the freedom of choice, to determine whether or not she considers the proposed cost to be appropriate as an additional expense to a parent. This requires a party’s counsel to make a convincing argument that the private school tuition should, or should not, be paid.

A legal argument for or against such an add-on should address several issues, including, but not limited to, the following:
1. Specific Needs of the Child: Does the child have a special physical or mental disability that is most appropriately addressed at a private institution? If a child has documented and undisputed special needs, a court is very likely to order that they be met.

2. Length of Attendance: How long has the child been attending the school? A court is more likely to order that private school tuition continue if the child has been there for several years and is at a critical stage of development in which removal from the school would be against his or her best interests.

3. Alternatives: Where would the child attend school if he or she did not attend the private institution? What is the reputation of the local public school? Is the neighborhood in which the public school is located safe?

4. Ability to Pay: What is the financial situation of the parties? Can each parent, or one high-earning parent, pay the tuition and still continue to pay for mandated child support and other expenses he or she may have? This factor must always be taken into consideration, regardless of how compelling any other factors may seem. This is because, as a practical matter, many families cannot afford to maintain the lifestyle they lived during the marriage. As a result, nonessential expenses, like private education, must be eliminated.

Allocation of private educational costs

If your counsel is successful in persuading the court to order an add-on for private educational expenses, then the court must also determine how that add-on will be allocated between the parents. If no specific allocation is requested in one’s moving papers to the court, the tuition will likely be divided “one-half to each parent.” If you believe an alternative allocation is merited, documentation should be presented to corroborate such a belief. One common alternative to the equal division of such add-on expenses is an allocation corresponding to each party’s respective income. In this calculation, the court looks to the net disposable incomes of each party, after they are adjusted by counsel to include any spousal support and mandated child support that has already been ordered paid. The court then examines these adjusted incomes, and determines what portion of the add-on would be appropriate for the higher earner to provide. One must exercise caution in advocating this alternative allocation to the court, since a judge may order the standard equal allocation of the add-on if the adjusted net disposable incomes of the parties fail to show a true disparity between the two incomes.

Kayla Boucher
c/o Law Offices of Donald P. Schweitzer
201 South Lake Avenue
Suite 700
Pasadena, California, 91101
626-683-8113
http://www.PasadenaLawOffice.com

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Greetings to all:

Yes this is me again. I haven’t been assassinated yet. In case you’re a new reader, I’m known as the revealer of rogue police tactics and procedures. I have dedicated my life to revealing all rogue cops and their illegal injustices. In case you asking why, it’s because I was a former rogue cop who issued unjust citations and perform illegal arrests. I did what I saw other cops do and never questioned these other cops about it. I simply joined the blue wall of brotherhood.

This question was asked of me tonight and I thought it good to answer this question to all.

A city police officer is commisioned to follow all laws in his jurisdiction. This means within the city limits of the city. He cannot venture outside the city limits to arrest, stop, or questioned any person except under one circumstance. He can go outside his jurisdiction if a crime or violation first occurred within his area and proceeded into another jurisdiction (called hot pursuit. Please read my other article about jurisdiction). He is only authorized to perform his oath for that citys’ laws and ordinances. He cannot get involve with civil matters. He can only deal with criminal matters. His powers therefore are strictly limited.

A sheriff officer or deputy is actually much more powerful. It does’nt seem so but it is. The sheriffs’ power extends through out the entire county or as in Louisiana, the entire parish.

Say for instance that you reside in Cook County, the County that Chicago is centered in. A Chicago police officer can only enforce the laws in the city of Chicago, that is, within the city limits. But the Cook County Sheriff’s Department can enforce the laws within Cook County. This may be outside the city limits of Chicago. He can also enforce the laws within Chicago’s city limits. They have broad range.

But usually, they perform civil matters such as evictions, warrants, and other civil matters. But the sheriff patrols often outside the city limits. They have much more jurisdictional power than city police officers.

It’s very rare to see a sheriff officer citing a driver for a traffic violation in the city. It’s also even more rarer to observe a city cop issuing a citation outside the city limits.

Remember this, you shoud’nt be violating the law in or outside the city limits. But I think it’s important that you know that sheriffs are police officers also, with a much wider range.

Read my book called COP OUT, and many of your questions might be answered. Drive safe, obey the laws, and arrive home safe.

This author submits professional articles to http://www.ezinearticles.com His articles informs citizens about how to handle different situations when confronted by the police. He is a former award winning police officer. Mr. Davis is an authorize speaker to young police recruits in Louisiana. He is also a master in wilderness suvival. He studied criminal law at Loyola University in New Orleans, Louisiana. In addition, Mr. Davis has been a featured guest on many television shows detailing how to detect rogue police officers as well as a defense against such officers. This author is also working with author Stephen Peach, the award winning ex swat officer of California, and author Mike Madigan. These two authors have also dedicated their lives to expose rogue cops. Mr. Davis will be at Barnes and Noble, CitiPlace Ct., in Baton Rouge, Louisiana at a book signing on April 14, 2007, from 1:00pm - 2:00pm.

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After doing a word search on the word mysteries and mystery I found that neither of these words are in the old testament The first time either of these words is mentioned in the Bible is Matthew 13:11, He answered and said unto them, Because it is given unto you to know the mysteries of the kingdom of heaven, but to them it is not given. Jesus was teaching on the law of seedtime and harvest . He started the parable by saying, Behold, a sower went forth to sow.

As long as Jesus was in the earth He could explain to a point the mysteries of the kingdom of God to His disciples but he told them that it was expedient that He go away because if He go away He would send the Spirit of Truth to the them that would teach them all the truth. He told them that He had many things to say to them but they could not understand them now, meaning that without the Holy Spirit dwelling in them these mysteries could not be fully revealed. Jesus also said of the Holy Spirit that He would not speak of himself but whatsoever he hear me say that shall he speak.

Let’s look at what the Apostle Paul had to say about the mysteries of God and how the Holy Spirit is going to reveal them.

1Co 4:1 Let a man so account of us, as of the ministers of Christ, and stewards of the mysteries of God.

1Co 13:2 And though I have the gift of prophecy, and understand all mysteries, and all knowledge; and though I have all faith, so that I could remove mountains, and have not charity, I am nothing.

1Co 14:2 For he that speaketh in an unknown tongue speaketh not unto men, but unto God: for no man understandeth him; howbeit in the spirit he speaketh mysteries.

Paul said in another place, I speak in tongues more than you all. Why do you suppose Paul had all this revelation. Could it be because he talked to God in the Spirit more than any one else. I say yes it was. 1Corinthians 14:18 I thank my God, I speak with tongues more than ye all. Why was Paul so thankful to be able to speak in tongues or in the spirit, or speak directly to God? This is how the mysteries were being revealed to him.

The more we speak in the spirit in tongues the more of the mystery of God’s wisdom will be revealed to our spirit. It is the revealed knowledge of God’s word that causes change in our lives. It causes Christ to be formed in us. When Christ is living through us then His love is flowing out of us and His riches are flowing to us and through us.

Col 1:27 To whom God would make known what is the riches of the glory of this mystery among the Gentiles; which is Christ in you, the hope of glory.

When we speak in tongues we must do it in faith, knowing that the mysteries of God’s will are being revealed to our spirit. Once we have revelation in our spirit to these mysteries our minds will be enlightened so we can apply them in our lives day by day.

No man can walk by faith with head knowledge of the word of God. It must first be revealed to our spirits. When we take our confession of the word of God before our High Priest, Jesus Christ as we studied earlier in this book and speak to God in the spirit with our heavenly language we are assured of the Revelation of Jesus Christ being revealed to us.

The law of seedtime and harvest is at work as these mysteries are revealed in us. We are born again by incorruptible seed which is the word of God. God plants this seed in our spirit and that seed grows into the full statue of Christ Jesus in us, first the blade, then the ear and then the full corn in the ear.

Jesus said of himself in John 12:24, Verily, verily, I say unto you, Except a corn of wheat fall into the ground and die, it abideth alone: but if it die, it bringeth forth much fruit. He is talking about bringing forth much fruit in us through the Holy Spirit.

We must have God’s wealth and riches revealed in us before they will manifest to us. Speaking in tongues every day will greatly expedite the process.

Fred Fishburne has been serving the Lord since 1980. He was called by God in 1983 to New Life Bible College in Atlanta, Georgia, Founded by Norvel Hayes. After graduation, he helped charter a Rhema Bible Church, Living Word On The Move, Pastored by Larry E. Moss, a 1979 Rhema graduate, in which Fred and His wife Ann raised their family and still serve today. They have studied after other teachers such as: Kenneth Copeland, Dr. Leroy Thompson and E. W. Kenyon.

Fred and Ann have owned a successful natural health store in McDonough, Ga. since 1994. Helping people with there health is a big part of their ministry. “It gives us a chance to show our customers what the Bibles says about good health, and His abundant riches,” says the couple.

Read Fred’s e-books, Salvation Mechanics, Glory Follows and The Blessing That Makes Rich. http://gloryfollows.com

Read Fred’s health articles at: http://prohealthnut.com

Colloidal silver facts abound, but misinformation about colloidal silver facts is also plentiful. Our purpose here is to provide three colloidal silver facts, coupled with warnings.

Products sold under the general label “colloidal silver” may actually be any one of three distinct products.

• Ionic silver
• Silver protein
• True colloidal silver

Colloidal Silver Fact - Ionic Silver

Most products labeled and sold as colloidal silver are, unfortunately, ionic silver. This is because it is so much easier and less costly to produce this type of silver product. Among misrepresented colloidal silver facts, this is perhaps the most common.

Ionic silver products are made up of silver ions and silver particles. Using electrolysis, the manufacturer produces silver ions. Silver ions are really dissolved silver. Because most of the silver (about 90%) in ionic silver products is dissolved silver instead of silver particles, these are really solutions of silver.

These products are frequently advertised as containing silver ions that are small silver particles. That is confusing, however, since silver ions are different from silver particles.

Silver ions combine with chloride ions to form silver chloride, but silver particles do not.

Some manufacturers hide the identity of their ionic silver behind terms such as monatomic silver and silver hydrosol. These names are used to hide the truth from you. You are getting an ionic silver solution, not colloidal silver.

DON’T BE FOOLED.

If the product is clear, like water with sugar dissolved in it, it is ionic silver, not colloidal silver. Colloidal silver has an apparent color. This is a colloidal silver fact.

HOW TO TEST IT.

Add table salt to the product. If silver ions are present, the solution should turn cloudy. If it remains clear, however, it may simply mean no silver is present at all. Unfortunately, lab analysis has shown that some “silver” products contain absolutely no silver.

Some Products that test out to be ionic silver:

• Alchemists Workshop Colloidal Silver 10 ppm
• Earth’s Bounty Colloidal Silver 5 ppm
• Earthborn Products Colloidal Silver 100 ppm
• High Energy Labs Colloidal Silver 15 ppm
• Pro Star Colloidal Silver 10 ppm
• Survival Enterprises Colloidal Silver 3 ppm
• Ultra Pure Colloidal Silver 35 ppm

Colloidal Silver Fact - Silver Protein

Silver protein products, though often called colloidal silver, are nothing more than silver particles combined with protein. They can be made easily and at little cost. One needs only to add water to silver protein powder. The powder is sold by many chemical companies. This is the second most commonly misunderstood of colloidal silver facts.

If the colloidal silver product you are considering claims to be a high concentration of colloidal silver, it is very likely silver protein. Silver protein products usually have large silver particles. They could not remain suspended unless protein was added. Protein helps keep the particles from settling.

What kind of protein is used? Usually, it is gelatin made from animals. The risk of bacteria from the gelatin is one of the dangers of taking silver protein products.

DON’T BE FOOLED.

Silver protein products are the least effective for human use. In addition, silver protein products are known to cause Argyria - bluish skin tone. The condition is due to the high concentration of large silver particles. This is a colloidal silver fact.

HOW TO TEST IT.

Shake the product. If foam appears above the liquid and remains a few minutes, you probably do not have a colloidal silver product.

Some Products that test out to be silver protein:

• Futurebiotics Advanced Colloidal Silver 10 ppm
• Innovative Natural Products - Super Colloidal Silver 2000 ppm
• International Pharmaceuticals - Invive 500 ppm
• N-Ergetics Colloidal Silver 1100 ppm

Colloidal Silver Facts - True Colloidal Silver

These products are the most difficult to find, but are the products you want if you are going to use colloidal silver. True colloidal silver products present both difficulties and high cost to the manufacturer. Those who want you to misunderstand this colloidal silver fact want to make money from inferior products.

A colloid is a combination of particles of one substance, dispersed throughout another substance, which are too small to be seen with an ordinary light microscope, but cannot pass through a semipermeable membrane.

When referring to colloidal silver, the word colloid means silver particles. True colloidal silver contains mostly silver particles. True colloidal silver will usually contain 50 to 80% silver particles. The remainder will be silver ions.

True colloidal silver products have the highest total surface area of all the particles taken together. This is important. High surface area determines how effective the colloidal silver will be. The extremely small particles in true silver colloids, with their high surface area, remain in colloidal suspension on their own. There is no need to add protein or other substances.

DON’T BE FOOLED.

True silver colloids do not cause Argyria, the condition that causes skin to turn blue-gray. Their freedom from this condition is due to the low amount of ionic silver and the small size of the silver particles. This is a colloidal silver fact.

HOW TO TEST IT.

Look for an apparent color. Add salt, as described above under “Ionic Silver”. Shake as described under “Silver Protein”. True colloidal silver should pass all three tests.

Some Products that test out to be true colloidal silver:

• Advanced Colloidal Silver (Utopia Silver) 20 ppm
• Kelly Colloidal Silver 20 ppm
• Mesosilver 20 ppm
• Vitol Super Colloidal Silver 5 ppm
• Wellness Colloidal Silver 30 ppm

Whichever product you finally purchase, be sure to check with your health-care provider before using it. Be sure you share with him or her the colloidal silver facts learned here.

©2007, M.D. Hamilton Read more about colloidal silver at ColloidalSilverInformation.com M.D. Hamilton does not directly or indirectly dispense medical advice or assume responsibility for those who choose to treat themselves.