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Will You Add? - Ethical Choices: Spiritual Consequences
Report: Combined Consumer Education and Increased Security Measures Equal Reduced Identity Fraud twenty years after the crime and eleven years since I’ve seen the inside of a prison, I know the law of reaping and sowing in greater detail. I sowed the wrong seeds and reaped, what most would describe as, a negative harvest. Yet, over time I have seen the law applied in more positive ways than I can imagine.While surfing the 'net, I came across a report about the reduction of identity theft and identity fraud. Obviously, it caught my attention. Following, in part, is that report which was produced by Javelin Strategy & Research, and co-sponsored by CheckFree Corporation, Visa Card, and Wells Fargo & Co.While identity theft remains a multi-billion-dollar problem for businesses, organizations, and individuals, incidents of the fraud dropped significantly last year, according to a report.Identity fraud occurring in the United States declined in 2006 by 12 percent over the year before, from $55.7 billion to $49.3 billion, according to the third-annual survey by Javelin Strategy & Research. The s Today I am planting good seeds. Through accepting responsibility and living an ethical life, I have been given a second chance. I am blessed to serve as a Sales Executive in a Publicly Traded Company; teaching many people how to improve their lives through success in sales. Likewise, through my efforts in speaking, various groups allow me to share my direct experiences of reaping and sowing – therefore, providing a framework for their personal growth. We all will eventually reap what we sow – that is a spiritual truth. The question is, will we enjoy the consequences of our choices? And believe me, there are always consequences to every choice we make. Chuck openly shares the experiences of his life through his keynote address: Success Beyond Illusion or Ethics: Negative Consequences – Po Starting a Business Without Engineers Twenty-one years ago I made a choice. At the time it seemed so simple and insignificant. I sat there with three questions as I pondered the “opportunity”: Who would know? Who would care? And the cost – what cost? Little did I know at the time that every, literally every, choice has a consequence. That is a universal law – a spiritual law – that governs us all…just like gravity.Today I'd like to talk about the skill set required to start a business. Specifically, do you need to have a background in engineering?I hear this used most frequently as an excuse."It's just too technical for me to understand.""I was never good with numbers.""Things have changed so much since I was in school."But at the end of the day, these are just that: excuses. I'm here to tell you that engineering is not only NOT required to start a successful business, it could actually hurt your chances! And this is coming from someone who has their degree in engineering! Engineers are preoccupied with what is possible and what isn't. Entrepreneurs Anyone that knew me, at the time, would have said that I was basically an honest and ethical person. I was respected in my community, a community and civic leader, active in my church, serving as music director. No one, not even I, would have suspected that ten years later that I would be an inmate in Federal Prison. Have you ever found yourself over-extended? I did and I admit that I liked that lifestyle. The only problem was my bank account couldn’t support that lifestyle. This became the groundwork for the seed to be planted. Throughout our lives, in fact many times during our lives, we are faced with temptations. It is not the temptation that's the issue; it's how we respond to it that defines us. In my case, I was more concerned with maintaining the illusion of success than I was with my own honesty and integrity. After one Christmas, some twenty years ago, I received a call from my local banker, who said, “Chuck, we noticed that you're behind in your house payment. Is their problem?” Now, being a successful tax partner in a CPA firm, I certainly did not want to appear to be incapable of managing my own money. So, of course, I suggested that his records were wrong and asked him to check again. The reality was, however, I was behind. I had a problem. I needed money! Then, it hit me. I was the trustee of a trust. Why not borrow money from the trust? So, I put on my trustee hat. I looked at myself and said, “Don't you need to borrow some money?” And as I took my trustee hat off, I replied, “Why, yes I do.” And with that little interchange, I stole money from the trust and changed my life forever. I planted the seed into the groundwork I laid. Have you ever had one of those moments in your life, when you wish you could just rewind the tape? You wish you could just do it over? That was one of those moments. The fact is, when you make a choice, you have to accept the consequences. By my choice, I set the consequence in motion. Therefore, I called the banker back, and apologizing profusely said, “My wife pays the bills. Considering this was our first Christmas with our new son, she must've just overlooked the house payment. I'll make sure you receive it today.” Of course, I took the stolen money and made the payment. Three months later, I paid back the trust. I convinced myself that it was just a loan. Unfortunately, I found out it was easy. Nobody was the wiser. It was easy to take money, in order to maintain the illusion. Thus, over the next several years, I took more. Ten years later I found myself an inmate in Federal prison. I was reaping the consequences of the choices I made. From that first experience, I set into motion an outcome that would define my life forever. The following is an excerpt from my prison memoirs. Perhaps it can give you a glimpse of the reality of consequences one might face. October 7, 1995. It's Saturday morning and I just had my first prison visit. As I walked out of the visitation room, several of the inmates were standing outside near the make shift barbershop. Buck was standing there, so I stopped. From that vantage point, inmates can see their loved ones leave. I can't begin to describe how moving this experience was. Loved ones waving to the inmates, children hollering – “I love you Daddy,” inmates waving in return. Buck said this was the saddest time for him. He saw his family leave, as I saw you leave. I choked back tears then, but feel the depth of emotion now. As I write this now, I would prefer to be away from here. How precious is freedom, and how much we take it for granted. There is wonderful humanity here -- truly fine people, who made the wrong choice. Still, by the grace of God, I am protected. I have clothing, shelter and food. We all seem to keep up this tough fa?ade -- I guess it's a form of protection. But deep down, there's a level of sadness. Many have it worse than me. For now, I need to get outside. I know some changes are taking place. And yet I feel I have a long way to go. Now, 2007 some twenty years after the crime and eleven years since I’ve seen the inside of a prison, I know the law of reaping and sowing in greater detail. I sowed the wrong seeds and reaped, what most would describe as, a negative harvest. Yet, over time I have seen the law applied in more positive ways than I can imagine. Today I am planting good seeds. Through accepting responsibility and living an ethical life, I have been given a second chance. I am blessed to serve as a Sales Executive in a Publicly Traded Company; teaching many people how to improve their lives through success in sales. Likewise, through my efforts in speaking, various groups allow me to share my direct experiences of reaping and sowing – therefore, providing a framework for their personal growth. We all will eventually reap what we sow – that is a spiritual truth. The question is, will we enjoy the consequences of our choices? And believe me, there are always consequences to every choice we make. Chuck openly shares the experiences of his life through his keynote address: Success Beyond Illusion or Ethics: Negative Consequences – Po Are You Using These Vital Rules To Start Your Online Home Based Business? I was more concerned with maintaining the illusion of success than I was with my own honesty and integrity.If you have made up your mind about starting your own business on the internet, look away from your huge money-fall expectations and pay attention to these pieces of advice. You can find tons of information on the subject online, but I can tell you that business on the internet is not so different from any other kind of business, so the basic rules are the same:* Create a business plan and treat it as a living document, some parts of the initial plan will turn out successful, others will fail:that’s why you have to revise that plan at regular intervals and accommodate it according to the market rules.* Do not trust companies that offer to build your web site, most of them will give After one Christmas, some twenty years ago, I received a call from my local banker, who said, “Chuck, we noticed that you're behind in your house payment. Is their problem?” Now, being a successful tax partner in a CPA firm, I certainly did not want to appear to be incapable of managing my own money. So, of course, I suggested that his records were wrong and asked him to check again. The reality was, however, I was behind. I had a problem. I needed money! Then, it hit me. I was the trustee of a trust. Why not borrow money from the trust? So, I put on my trustee hat. I looked at myself and said, “Don't you need to borrow some money?” And as I took my trustee hat off, I replied, “Why, yes I do.” And with that little interchange, I stole money from the trust and changed my life forever. I planted the seed into the groundwork I laid. Have you ever had one of those moments in your life, when you wish you could just rewind the tape? You wish you could just do it over? That was one of those moments. The fact is, when you make a choice, you have to accept the consequences. By my choice, I set the consequence in motion. Therefore, I called the banker back, and apologizing profusely said, “My wife pays the bills. Considering this was our first Christmas with our new son, she must've just overlooked the house payment. I'll make sure you receive it today.” Of course, I took the stolen money and made the payment. Three months later, I paid back the trust. I convinced myself that it was just a loan. Unfortunately, I found out it was easy. Nobody was the wiser. It was easy to take money, in order to maintain the illusion. Thus, over the next several years, I took more. Ten years later I found myself an inmate in Federal prison. I was reaping the consequences of the choices I made. From that first experience, I set into motion an outcome that would define my life forever. The following is an excerpt from my prison memoirs. Perhaps it can give you a glimpse of the reality of consequences one might face. October 7, 1995. It's Saturday morning and I just had my first prison visit. As I walked out of the visitation room, several of the inmates were standing outside near the make shift barbershop. Buck was standing there, so I stopped. From that vantage point, inmates can see their loved ones leave. I can't begin to describe how moving this experience was. Loved ones waving to the inmates, children hollering – “I love you Daddy,” inmates waving in return. Buck said this was the saddest time for him. He saw his family leave, as I saw you leave. I choked back tears then, but feel the depth of emotion now. As I write this now, I would prefer to be away from here. How precious is freedom, and how much we take it for granted. There is wonderful humanity here -- truly fine people, who made the wrong choice. Still, by the grace of God, I am protected. I have clothing, shelter and food. We all seem to keep up this tough fa?ade -- I guess it's a form of protection. But deep down, there's a level of sadness. Many have it worse than me. For now, I need to get outside. I know some changes are taking place. And yet I feel I have a long way to go. Now, 2007 some twenty years after the crime and eleven years since I’ve seen the inside of a prison, I know the law of reaping and sowing in greater detail. I sowed the wrong seeds and reaped, what most would describe as, a negative harvest. Yet, over time I have seen the law applied in more positive ways than I can imagine. Today I am planting good seeds. Through accepting responsibility and living an ethical life, I have been given a second chance. I am blessed to serve as a Sales Executive in a Publicly Traded Company; teaching many people how to improve their lives through success in sales. Likewise, through my efforts in speaking, various groups allow me to share my direct experiences of reaping and sowing – therefore, providing a framework for their personal growth. We all will eventually reap what we sow – that is a spiritual truth. The question is, will we enjoy the consequences of our choices? And believe me, there are always consequences to every choice we make. Chuck openly shares the experiences of his life through his keynote address: Success Beyond Illusion or Ethics: Negative Consequences – Po Payroll Utah, Unique Aspects of Utah Payroll Law and Practice ose moments. The fact is, when you make a choice, you have to accept the consequences. By my choice, I set the consequence in motion.The Utah State Agency that oversees the collection and reporting of State income taxes deducted from payroll checks is:State Tax Commission Withholding Tax Development 210 North 1950 West Salt Lake City, UT 84134 (801) 297-2200 (800) 662-4335 (in state) http://tax.utah.gov/Utah allows you to use the federal form W4 to calculate state income tax withholding.Not all states allow salary reductions made under Section 125 cafeteria plans or 401(k) to be treated in the same manner as the IRS code allows. In Utah cafeteria plans are not taxable for income tax calculation; not taxable for unemployment insurance purposes. 401(k) plan deferrals are not taxable for income taxe Therefore, I called the banker back, and apologizing profusely said, “My wife pays the bills. Considering this was our first Christmas with our new son, she must've just overlooked the house payment. I'll make sure you receive it today.” Of course, I took the stolen money and made the payment. Three months later, I paid back the trust. I convinced myself that it was just a loan. Unfortunately, I found out it was easy. Nobody was the wiser. It was easy to take money, in order to maintain the illusion. Thus, over the next several years, I took more. Ten years later I found myself an inmate in Federal prison. I was reaping the consequences of the choices I made. From that first experience, I set into motion an outcome that would define my life forever. The following is an excerpt from my prison memoirs. Perhaps it can give you a glimpse of the reality of consequences one might face. October 7, 1995. It's Saturday morning and I just had my first prison visit. As I walked out of the visitation room, several of the inmates were standing outside near the make shift barbershop. Buck was standing there, so I stopped. From that vantage point, inmates can see their loved ones leave. I can't begin to describe how moving this experience was. Loved ones waving to the inmates, children hollering – “I love you Daddy,” inmates waving in return. Buck said this was the saddest time for him. He saw his family leave, as I saw you leave. I choked back tears then, but feel the depth of emotion now. As I write this now, I would prefer to be away from here. How precious is freedom, and how much we take it for granted. There is wonderful humanity here -- truly fine people, who made the wrong choice. Still, by the grace of God, I am protected. I have clothing, shelter and food. We all seem to keep up this tough fa?ade -- I guess it's a form of protection. But deep down, there's a level of sadness. Many have it worse than me. For now, I need to get outside. I know some changes are taking place. And yet I feel I have a long way to go. Now, 2007 some twenty years after the crime and eleven years since I’ve seen the inside of a prison, I know the law of reaping and sowing in greater detail. I sowed the wrong seeds and reaped, what most would describe as, a negative harvest. Yet, over time I have seen the law applied in more positive ways than I can imagine. Today I am planting good seeds. Through accepting responsibility and living an ethical life, I have been given a second chance. I am blessed to serve as a Sales Executive in a Publicly Traded Company; teaching many people how to improve their lives through success in sales. Likewise, through my efforts in speaking, various groups allow me to share my direct experiences of reaping and sowing – therefore, providing a framework for their personal growth. We all will eventually reap what we sow – that is a spiritual truth. The question is, will we enjoy the consequences of our choices? And believe me, there are always consequences to every choice we make. Chuck openly shares the experiences of his life through his keynote address: Success Beyond Illusion or Ethics: Negative Consequences – Po 5 Reasons Customer Service Reps Should Record Themselves visit. As I walked out of the visitation room, several of the inmates were standing outside near the make shift barbershop. Buck was standing there, so I stopped. From that vantage point, inmates can see their loved ones leave.“Your call may be recorded for quality purposes,” the electronic voice announces to the caller.We’re so used to hearing this notification that companies don’t even teach reps how to respond properly when customers try to opt out of being recorded. Not being able to stop a recording immediately, facilitating a customer's withholding of consent, is unlawful in many states where all-party consent to monitoring and recording is required.Major call centers use centralized equipment that records ALL calls, and generally this is thought to make the rep evaluation and coaching process easier and more efficient.On one level, it does. Calls can be “drawn” by evaluators on a random basis with I can't begin to describe how moving this experience was. Loved ones waving to the inmates, children hollering – “I love you Daddy,” inmates waving in return. Buck said this was the saddest time for him. He saw his family leave, as I saw you leave. I choked back tears then, but feel the depth of emotion now. As I write this now, I would prefer to be away from here. How precious is freedom, and how much we take it for granted. There is wonderful humanity here -- truly fine people, who made the wrong choice. Still, by the grace of God, I am protected. I have clothing, shelter and food. We all seem to keep up this tough fa?ade -- I guess it's a form of protection. But deep down, there's a level of sadness. Many have it worse than me. For now, I need to get outside. I know some changes are taking place. And yet I feel I have a long way to go. Now, 2007 some twenty years after the crime and eleven years since I’ve seen the inside of a prison, I know the law of reaping and sowing in greater detail. I sowed the wrong seeds and reaped, what most would describe as, a negative harvest. Yet, over time I have seen the law applied in more positive ways than I can imagine. Today I am planting good seeds. Through accepting responsibility and living an ethical life, I have been given a second chance. I am blessed to serve as a Sales Executive in a Publicly Traded Company; teaching many people how to improve their lives through success in sales. Likewise, through my efforts in speaking, various groups allow me to share my direct experiences of reaping and sowing – therefore, providing a framework for their personal growth. We all will eventually reap what we sow – that is a spiritual truth. The question is, will we enjoy the consequences of our choices? And believe me, there are always consequences to every choice we make. Chuck openly shares the experiences of his life through his keynote address: Success Beyond Illusion or Ethics: Negative Consequences – Po You Won't Succeed Without This Business Secret twenty years after the crime and eleven years since I’ve seen the inside of a prison, I know the law of reaping and sowing in greater detail. I sowed the wrong seeds and reaped, what most would describe as, a negative harvest. Yet, over time I have seen the law applied in more positive ways than I can imagine.At some time in the life of almost every person there comes the urge to establish a business of their own. Not very many ever attempt to do so, but it's a fact that most of the large businesses of today were created from the individual enterprise of one person.There are at least three choices open to ambitious entrepreneurs through which they may enter into business. First, the founding of an entirely new business; Second, the combining of two or more established businesses through the introduction of some new plan of operation; Such as the production of a new product, a new advertising technique, or a better plan for marketing the product. And third, becoming a part of an already established bu Today I am planting good seeds. Through accepting responsibility and living an ethical life, I have been given a second chance. I am blessed to serve as a Sales Executive in a Publicly Traded Company; teaching many people how to improve their lives through success in sales. Likewise, through my efforts in speaking, various groups allow me to share my direct experiences of reaping and sowing – therefore, providing a framework for their personal growth. We all will eventually reap what we sow – that is a spiritual truth. The question is, will we enjoy the consequences of our choices? And believe me, there are always consequences to every choice we make. Chuck openly shares the experiences of his life through his keynote address: Success Beyond Illusion or Ethics: Negative Consequences – Positive Results.
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