Property Division Explained
​By: Brett R. Schlender, Senior Attorney, Foster Swift Law Firm 

Understanding how courts divide marital property first requires an explanation of the martial estate. An "estate" in this sense is a paper classification of the property that is considered "marital" as opposed to "separate." Before a court can award each party a fair share of the estate, it must first identify what property belongs in the marital estate and then assign values to the property. 

Michigan has not adopted a singular definition of "marital property," but it includes all property either spouse has acquired by reason of the marriage. When the spouse acquired the property and how he or she paid for it are important considerations. Also, irrespective of which spouse owns the property, some or all of an asset may become martial when one spouse contributed to he property's acquisition, improvement, or accumulation. This, the classification state, is where property disputes often originate. Whether an asset is martial or separate can meaningfully affect the gross value of the estate. 

Once the boundaries of the martial estate are drawn, the assets are each assigned to a value. Value may be determined by an appraisal, recent arm's length sales, or, in some cases, a party's testimony. Since asset values can rise or fall significantly during the course of a divorce, the valuation date can become a point of contention. Courts value martial property as of the date of trial unless persuaded another date is more appropriate. 

After classification and valuation comes division. Courts divide property by considering several factors and weighing those that are relevant in light of the facts. The most commonly cited factors include: the length of the marriage, the parties' needs, whether the parties have minor children, and if so, what the children's need entail, the parties' capacity to earn income and maintain property, the source of the property, a party's role in acquiring the property, and a party's responsibility for causing the divorce. Though fault is a factor, rarely will it have a meaningful effect on the outcome. 

A court may award either the property itself or "the value thereof" to each party. For example, in most cases a party will either receive the marital home or value equal to one-half of the home equity. Though nothing precludes parties from remaining co-owners of property following a divorce, the risks are self-explanatory. If no party has the personal cash flow to maintain an asset or for some other justifiable reason, a court may order an asset's sale and dictate how the proceeds are allocated. 

However the property is divided, equity is the goal. An "equitable" division does not guarantee 50 cents on each dollar of assigned value. Instead, it aims for fairness under all the circumstances. Michigan courts begin with a presumption that an equitable property distribution will be roughly congruent. To depart from rough congruence, a court must specifically identify the reasons for its departure. 

Despite its guidelines, equitable does not produce predetermined outcomes. Obtaining an equitable property division, by settlement or court ruling, requires more than a calculator. Skilled advocates have a knack for identifying and articulating a client's needs within an overall theory of fairness. Some people may benefit from liquid assets to help begin a new career or to invest elsewhere. Others with a stable career may prefer a greater share of retirement savings. Or, some might forego property in exchange for an intangible benefit, such as more time with the kids or a waiver of spousal support. 

Property division is both an art and a science. You will want an attorney on your side who can effectively persuade others of an asset's market value, but it is equally important to partner with an advocate who helps you determine what an asset is worth to you. 

If you have questions about the division of martial assets, contact Brett Schlender at 616.796.2505 or at bschlender@fosterswift.com. 

*Shared from Foster Swift Family Law Advocate blog*

10 Ways to Keep Your Brain in Shape
By: Total Health Systems

As the large baby boomer population moves into their golden years, we're seeing more focus in the media on diseases like Alzheimer's and Parkinson's, which Parkinson's, primarily affects seniors. 

While neurological change happens to your brain throughout your life, it only takes a few positive steps to better your brain health. 

1. Learn a Musical Instrument
Scientific research is abundant on how musical education delivers a bounty of brain benefits. Learning an instrument stimulates multiple areas of the brain. Among other things, it improves visual spatial skill, creativity and reasoning.

Students that learn a musical instrument routinely score higher in mathematics and science tests than their peers. This has been proven in countries where musical education is a priority, as these students have the highest math and science scores in the world. 

In a study conducted by the University of California (Irvine), 135 grade two students participated in four months of piano keyboard training. These students scored 27% higher on proportional math and fractions than fellow students who received no keyboard training. 

2. Listen to Music
Just listening to music helps your brain stay sharp. Specific types of music can stimulate memory and emotion. In one study, children with attention deficit disorder who were exposed to Mozart's music while undergoing biofeedback training showed a marked improvement in social skills, concentration, mood and impulsive activity. 

As well, research from the University of San Antonio indicates a promising new development in using music to recover speech fluency in stroke victims. 

3. Learn Something New
Expanding your knowledge outside current areas of expertise can boost your brain power. Take a course in a subject you know nothing about. Lifelong education is proven to reduce the chances of developing Alzheimer's disease. 

4. Stay Social 
Having good friends and a supportive family brings many brain health advantages. Studies show people with a good social network, especially seniors, have enhanced neurological fitness as well as an overall better quality of life. Staying social can stave off problems like depression and anxiety. Humans are meant to interact with each other, so step away from the computer more often and engage in face-to-face communication. 

5. Get Enough Sleep
Although your brain doesn't shut off when you sleep, it does require this down time to regenerate. A 2007 Princeton University study revealed that lack of sleep may stop the brain from producing new brain cells in the hippocampus part of the brain, which is involved in forming memories. Researchers believe stress hormones increase with sleep deprivation. And not enough sleep can make you more susceptible to the effects of stress. 

6. Get Active
Along with the rest of your body, exercising does wonders for your brain. By staying physically active, you protect your brain from environmental toxins. And exercise slashes stress chemicals that can damage a variety of brain structures, including areas key to short-term memory function. As well, working out keeps your heart pumping much needed oxygen and glucose to your brain. 

The Proceeding of the National Academy of Sciences published research revealing that people who are physically inactive increase their risk of Alzheimer's by 250%!

7. Eat Brain Food
Your brain is quickly affected by what you eat. 
As a large portion of your brain is fat, get the right amounts of Omega 3 fatty acids, found in many species of fish like salmon, tuna, and sardines. Eat plenty of fruits and vegetables, whose abundant antioxidants protect the brain from free radical damage. The B vitamins are also vital to neurological function. As you get older, your digestion system becomes less efficient at absorbing nutrients from food. You may need to add a daily B-complex supplement. 

8. Pray or Meditate
People who pray or meditate fain significant neurological benefits than people who don't. Individuals who engage in regular spiritual activities have lower stress levels and are less likely to develop depression and anxiety. 

9. Watch Less TV
Watching television is linked to several brain problems, including Attention Deficit Disorder in children. And adults who watch television for two or more hours a day increase their risk of developing Alzheimer's disease.

10. Get Regular Chiropractic Adjustments
You may be surprised to discover the chiropractic connection to the brain. However, it's actually easy to see how brain health can be improved with adjustments from your chiropractor. Subluxations restrict blood flow and interfere with proper communication between your brain and nervous system. Your brain depends on healthy nerve function to communicate to your body and vice-versa. With regular chiropractic adjustments, you help keep your nervous system free of sublaxations and ensure healthy blood flow to your brain!  

*Shared from Total Health Systems Newsletter* 

Unfortunately, many of us who become victim to any sort of information security breach won't know until someone else tells us. For example, we might get a message or call from a friend asking why we sent that "spammy" email with a link to a free Amazon gift card. Have we been hacked? Spoofed? And how do we prevent it from happening again?

Here, we'll discuss the difference between hacking and spoofing, plus provide some simple tips to help protect your personal information. 

Spoofing Vs. Hacking
Let's start by taking a look at what happens when you've been spoofed versus what it means to be hacked. 

Spoofing. You might think of spoofing as something like falsifying a letter sent via the USPS. Anyone can write a letter, sign someone else's name, and put that individual's return address on the envelope. If you were to receive that phony letter, you would likely believe that it came from the individual who supposedly signed it and from the return address indicated. In reality, it could have been sent from anyone, anywhere. 
Spoofers often forge the header information of the emails they send (i.e. the To, From, and Subject lines, as well as the time stamp and path that the emails took to arrive in your inbox.) They do this in an attempt to make it appear as if their messages came from someone or somewhere you know (e.g., a friend or familiar organization like Bank of America). The goal? To get you to respond to their span or to click on the malware-laden links or attachments in their phony messages. 

When an email address has been spoofed, the spammer doesn't gain access to your email account. Hacking, however, is a different story. 

Hacking. This is when a criminal actually gets into your email account. He or she can do this in a number of ways - by sniffing your activity on a public Wi-Fi network, through a phishing email, or via password-guessing software. Once in, the hacker will have access to all the information stored in your email account. This might include your contact list, bank account numbers, credit card information, online transaction receipts, and emails from other organizations confirming changed passwords (making it easier to identify other accounts of yours that can be hacked).

What's Next?
Unfortunately, there is no way to prevent spoofing. If your email address can be viewed publicly somewhere on the internet, someone can spoof it. But there are steps that you can take if you've been hacked that will also help mitigate the risk of any future hacking attempts. 

Change your password. Here, you will want to include any passwords for other accounts that are the same or similar to the compromised password. In creating new passwords, avoid using dictionary words or anything personally identifiable (e.g., your birth date). Also, be sure that your passwords are at least eight characters long and include upper and lowercase letters, numbers, and special characters. 

Modify the answers to your security questions. Either make up answers to the questions or add an extra letter or symbol in the real answers. That way, even if the hacker figures out the answers, he or she will have a hard time accessing your accounts. For example, instead of answering "Jones" to the "What's your mother's maiden name?" question, add another symbol or character and make it "@Jones" or "JonesM."

Set up multi-factor authentication. This feature requires you to provide more than a username and password to access your account. For example, an additional layer of authentication could be a pass-code sent to your smartphone that you need to input when you log in. 

Review your email account settings. The hacker may have altered your account settings so that copies of received emails will be automatically forwarded to his or her account. So, even after you re-secure your email account, the hacker can keep tabs on you. He or she could also have placed fraudulent links in your email signature and automatic replies. Be sure to check your settings and verify that these were not altered. 

Run a virus scan. It's also possible that the hacker inserted malware into your system through your email account. This could enable him or her to conduct recon - meaning that all of your online activity would be automatically reported back to the hacker and allow him or her to collect even more of your personal information. 

Ensure that there was no financial or personally identifiable information in your email account. If personal information was stored, such as your social security number (SSN), date of birth, or account numbers, strongly consider getting the compromised account numbers changed. In addition, have the banks or other organizations report the new numbers to you over the phone, not via email. Also consider credit monitoring, especially if all or part of your SSN was compromised. 

Protect Yourself!
To protect your personal information, be wary about connecting to public Wi-Fi networks and what you transmit over such networks, as this is one of the most common ways that cyber-criminals obtain email addresses and passwords. In addition, be suspicious of unsolicited or spam emails. If you receive one from someone you know, let that individual know that his or her email may have been spoofed or hacked. By keeping these guidelines in mind, as well as the tips discussed here, you will be well positioned to keep your confidential information secure. 
​
Blog posted on Integrity Wealth Consultants website. 

Three Estate Planning Questions Every Michigan Parent Should Ask
By: Rutkowski Law Firm

Whether you are a new parent or a parent of older children, your estate planning should undoubtedly reflect the role that you play in your children's life. Failing to have an estate plan that incorporates your children and your desires for their future can expose them to unnecessary challenges. Here are three common questions that you should consider in preparing to meet with your Michigan estate planning lawyer. 

What if I am unable to make decisions for myself?
A health care power of attorney and financial power of attorney can give you a layer of protection in case somethings happens to you and you are no longer able to make decisions for yourself. A medical procedure, a stroke or a vehicle accident are common examples of these unfortunate situations, and your power of attorney documents name who will be managing your financial decisions and making medical decisions for you. A well drafter power of attorney can keep you and your kids out of court and allow for much smoother and more efficient decision making. 

Who have I appointed as my guardian to my minors?
Rarely will parents want to rely on the probate courts to allow someone else to raise their children. A will allows you to name who you wish to step in and care for your children if something happens to you and your spouse. Used in conjunction with a Living Trust, proper planning allows you to provide a strong personal and financial foundation for your children in your absence. This gives you peace of mind that so long as the party you name is around and able to serve, that your children will be cared for by someone they know. 

How does estate planning work to protect my children?
If you are thinking about passing assets on to your minor beneficiaries, establishing safeguards in places such as trusts can help them until they learn how to manage this money. Putting age restrictions in place is one of the most common ways to approach this challenge inside a trust. Sit down with an experienced Michigan estate planning lawyer to talk about how to create or adapt your estate plan after you have children. 

STERLING HEIGHTS, Mich. (September 9, 2019) - The Sterling Heights Regional Chamber of Commerce and Industry is proud to announce and welcome Stacy Ziarko as its President and CEO. In the role of President and CEO, Ziarko will be responsible for operations, membership growth and enhance the Chamber's brand and presence within the greater community. She will also develop the organization's annual program of work, including developing products, programs, services and events that meet member needs. 

With over 15 years of experience in the nonprofit sector throughout Michigan, Ziarko comes to the Chamber with expertise in strategic planning, relationships, fund development, advocacy and major events. 

Most recently, Ziarko served as the Development Director for The Heat and Warmth Fund (THAW), a Michigan-based nonprofit focused on providing utility assistance to low-income families in crisis. Ziarko was responsible for securing $3.1 million in fundraising for the organization during her tenure.

Prior to THAW, Ziarko served in a variety of roles for ALSAC/St. Jude Children's Research Hospital, including leading the regional development for Michigan. 

Angie Lommen, Chamber Board Chair, led the Succession Committee, and she commented, "Stacy's capabilities, in combination with power of exceptional staff, are a win-win for our Chamber! We know we have found the perfect next leader to continue the Chamber's forward progress. We ask our members and our community partners to join us in welcoming Stacy as our new leader."

Stacy is a lifelong resident of Sterling Heights and currently serves on the Sterling Heights Arts Commission and is a member of the Sterling Heights Library Board of Directors. 

"I'm ready for this new adventure in my hometown and to lead the team in growing our membership," said Ziarko. "I look forward to interacting with the staff, the great Chamber members and engaging with our upcoming events."

Stacy holds a Bachelor of Arts from the University of Dayton and served as a member of the University of Dayton Alumni Board of Directors as well as the Detroit Community Leader, engaging hundreds of alumni throughout Southeast Michigan.

                                                                                               ###
About the Sterling Heights Regional Chamber of Commerce and Industry: The Sterling Heights Regional Chamber of Commerce and Industry focuses on the needs of our members and provides programs, services and benefits that are affordable, beneficial and accessible. The Chamber is committed to serving as the focal point for the business community in Macomb County. For more information, visit shrcci.com

Shift to Healthy Eating at Work
By: Total Health Systems

Did you know that employees spend about 60% of their waking hours at work and eat at least one meal on shift? This means that making healthy food and drink choices at work can have an impact on our health and energy levels. 

Here are some tips on how to shift to healthy eating at work:

Fueling for your Workday

• Kick start your day with a nutrition packed meal such as: low fat yogurt, fruit and oatmeal. 
• Energize your day with a healthy mid-shift meal. Have a wrap or sandwiches prepared with veggies. 
• If eating out, choose restaurants that offer healthy choices. Downsize large portions by packing half to bring home for later or split an entree with a co-worker. 

Rethink your Drink

• Keeping well hydrated will help you stay alert. If you find water "boring," try flavoring it with lemon, cucumber, or fresh mint. 

​
Survive the Mid-Shift Slump
The mid-shift slump is often caused by the body's internal clock sending signals which cause drowsiness at night and during the mid-afternoon. Healthy habits can help keep you energized throughout your shift. 

• Don't skip meals
• Choose healthy foods, including protein (lean meats or nut butters) at meals and breaks. 
• During your break, go for a brisk 10 minute walk or longer if possible. 
• Connect with others. Chat with a co-worker also on break. 
• Opt for a walking meeting, when possible. 

The food and drink choices you make while at work play a major role in maintaining your health and energy levels. 

"Your diet is a bank account. Good food choices are good investments."  - Bethenny Frankel 

7 Social Media Mistakes Every Business Should Avoid 
By: Ashley Edwards, Director of Marketing & Communications, SHRCCI

Are you new to social media? Is this platform even the right fit for your business or target audience? Developing a social media marketing strategy can be tough if you aren't tech savvy or familiar with these new trending platforms. Below is a list of mistakes to avoid when developing the best social media strategy for your business. 

1. Trying to use every social media network:
There are so many different platforms to use: Facebook, Twitter, Linkedin, Snapchat, Instagram, Pinterest, YouTube and more. Not all of them are going to work best for the audience you want to reach. Each is designed for a different type of content, so it is important to figure out which ones will work best for your company.

2. Failing to identify a target audience:
Not all social media users are the exact same. First it is important to know who you are looking to target, if you have a home repair business it wouldn't be very effective to be connecting with young professionals who aren't homeowners. Figure out the audience you want to reach and cater your content and choose the platform appropriate for that audience. 

3. Posting without a clear strategy:
It's far too easy to waste a lot of time posting entertaining memes on social media that don't help you reach your goals. Outline your social media strategy and the type of content you want that to reflect. 

4. Posting too much or not enough:
Unfortunately, there isn't a magic number when it comes to this one. However, researching your analytics and the platform you are using you can tell what times of day are the best to post. Some platforms will actually hide your content if you are oversharing or posting too much. 

5. Using social media as a one-way tool:
The best thing about social media is that it allows for two-way conversations. If you are just using it to push out your message and not to interact with potential customers, you are missing out. 

6. Ignoring other businesses and accounts:
Don't put yourself in a bubble. Engage with other businesses and accounts by sharing their content or simply commenting on it. Even teaming up to attract bigger audiences is something that could be beneficial to your social media strategy. 

7. Skipping analytics and measurements:
It is vital that you keep a close eye on things like followers, likes, clicks, sales, conversions, website visits, and so much more. If you regularly keep track of your social analytics this can help address what are the best times to reach your audience and who is clicking through on your links. 

Do you need help managing your current social media strategy or maybe even getting one started? Check out the Chamber directory, we have a lot of great businesses to choose from that can help you with your social media marketing strategy and grow your online media presence. 

Chamber Directory.

What is BRAG™?
By: Ashley Edwards, Director of Marketing & Communications, SHRCCI

• ​BRAG™ is the trademarked referral and networking program that is exclusive to the members of the Sterling Heights Regional Chamber of Commerce. We developed the trademarked referral program in 1999 to provide a forum for Chamber members to increase their business, get to know other members, and build lasting relationships. It is one of the most powerful tools we offer at the Chamber to help our members improve their business revenue. 

Since its inception, BRAG™ has been a very successful program with members passing literally thousands of referrals to each other, resulting in well over $1,000,000 in revenue for participating members! This is revenue that they would not have if they did not participate in BRAG™. What started as a few interested individuals over 20 years ago has grown to several groups. Members meet weekly, participate in other Chamber events, and generally get connected throughout our community. 

BRAG™ Highlights:

• BRAG™ stands for Business Resource Alliance Group
• BRAG™ has been connecting business professionals for over 20 years
• BRAG™ is one of the most respected professional referral programs in Michigan. 
• More than 200 members of the Chamber meet weekly in one of the thirteen active groups. Weekly meetings equal strong relationship building. 
• No quotas and typically a BRAG™ referral is already warm or even hot. 
• Thousands of referrals are passed between the BRAG™ members annually. 
• BRAG™ is often copied but never duplicated! Smaller and more productive. 
• BRAG™ members have access to varied Chamber events, many at no charge. 

BRAG™ is a benefit of Chamber membership and is lower than most other networking groups with a one-time $100 lifetime registration fee which includes registration, a BRAG™ resource kit, and BRAG™ training specific to BRAG™. 

To learn more about how you can become part of this one of a kind dynamic, results driven program click here or contact Patty Le Duc at 586.731.5400 x 21 or email. 

To view more information on our upcoming BRAG™ Experience Event on Friday, October 11, click here. 

Why Join the Chamber?
By: Ashley Edwards, Director of Marketing & Communications

Chambers of Commerce are stronger than ever. By joining, you get member-only, perks, exclusive advertising and networking opportunities, and a whole lot of exposure for yourself and your organization.

Small businesses represent the largest segment by number of most local chamber membership rolls. Results in the research study by The Shapiro Group, Inc. and Market Street indicate the impact of local chamber membership on small businesses is very powerful. If a consumer knows a small business is a member of its local chamber, the business enjoys a 44 percent increase in its consumer favor-ability rating, a 51 percent increase in consumer awareness, a 57 percent increase in its local reputation and a 63 percent increase in the likelihood that consumers will patronize the business in the future. (Source: American Business Magazine)

Research indicates that chamber membership stimulates business-to-business commerce in the local community. Other businesses in town are more likely to do business with you and your company if you are a member of the local chamber. Because a major part of a small business typically comes from business-to-business services, it is essential to maintain a positive standing within the local business community. 
(Source: American Business Magazine)

There is one important thing to know, it takes time! Time for a business to establish its image and reputation in the community. People like doing business with people that they trust, and trust must be earned. 

Here are list of the top reasons that you should join the Chamber:

1. Networking: It's not just who you know, it's who others know. Networking is a powerful tool to grow your business and professional network. To check out our networking and BRAG groups click here. 
2. Visibility: Stand out and get noticed in your community.
3. Credibility: Raise your reputation through membership. 
4. Discounts: Increase your purchasing power through members-only discounts and perks. To view our current member-to-member and member-to-public discounts click here. 
5. Have a Voice: Gain a say in what happens in government through the Chamber advocacy efforts. 
6. Learning: Get a competitive edge over non-members with exclusive training opportunities on a variety of hot topics. 

If you still don't think you have time join and participate in the Chamber, consider the following:

• Most consumers (59%) think that being active in the local chamber of commerce is an effective business strategy overall. It's 29% more effective, however, for communicating to consumers that a company uses good business practices and 26% more effective for communicating that a business is reputable. 
• If a company shows that it's highly involved in its local chamber (e.g. sits on the chamber board), consumers are 12% more likely to think that its products stack up better against its competition. 
• When a consumer thinks that a company's products stack up better against the competition because the company is highly involved in its local chamber of commerce, it is because he or she infers that the company is trustworthy, involved in the community and is an industry leader. 
• When consumers know that a restaurant franchise is a member of the chamber of commerce, they are 40% more likely to eat at the franchise in the next few months. 
• When consumers know that an insurance company is a member of the chamber of commerce, they are 43% more likely to consider buying insurance from it. 

Why waste any more time? Join the Chamber today and be a part of our growing business community. 
Contact Gina Rieck about new membership and what benefits may be important to you.
586.731.5400 x 15 or grieck@shrcci.com. 

Wants vs. Needs: Promotional Products
By: Promotions Guy 

Many managers regularly express interest in marketing for their business in one or more of the following ways:

• We want to expand our brand recognition within the community. 
• We want to do more because more customers are out there. 
• We have a new service and want to get the word out. 

Oftentimes, however, managers and owners fail to recognize and capitalize on opportunities to get that word out about that new service, or fail to implement their marketing plans to expand that brand recognition like they want to. Typically, time and money are the culprit here. BUT... I would argue that this failure is more-so due to the fact that many managers see their marketing and promotional needs as "wants". 

Try reading the above bullet points again; but this time, replace the word "want" with "need". Notice a difference? Let's look at them closely... 

We NEED to expand our brand recognition within the community.

• The difference between a customer knowing vs. not knowing you exist in the first place. 

We NEED to do more because more customers are out there. 

• More customers ARE out there. Always. You don't want more customers. You need them, right? Well then you NEED to tell them where you are and what you do, don't you?

We have a new service and NEED to get the word out. 

• If your time and money are worth offering a new service/product, then your time and money are worth telling people about it. 

The difference here is fundamental. Wants vs. Needs. Businesses don't just want to grow. They NEED to grow. Otherwise, they will be passed up by another company that values growth more than they do. It's the world we live in. So when it comes to choosing how to go about marketing in the right ways, what do you do to resolve this conundrum? Well, there's more than one question I would pose to any specific manager:

What specific (or anticipated) problem do you need to solve for your business?

• This helps you narrow down your options significantly. If you only need to get the word out about a new item on your food menu, let's get you a sign to have out front. If you want to keep your current customers happy, on the other hand, let's look at thoughtful gifts for them that you can send or have ready when they visit. 
  
  

If money weren't a factor, what would you see done to best solve said problem?

• It's always good to get the perfect-world perspective, because if successful people have taught us nothing else, isn't it that "if you can see it, you can achieve it."

How much do you value solving the problem you face?

• This is where it gets deeper. Sure, you know what the problem may be. You may know exactly how you WANT to solve it in a perfect world. However, by determining how much you value solving it, you understand and can conceptualize what NEEDS to be done right now to solve it. You can begin to see the power of creating the solutions you seek. And from that, you begin to see results. Everyone loves results. 

Now, how do we tie in the wants and needs businesses have in relation to promotional products? I'm glad you asked... Promo products are your little army that fights for you even when you're not there. They are your cost-effective way to get something tangible in the hands of a potential buyer. Essentially, they are a low-energy investment into your business. 

Your business' marketing hurdles can be solved using a combination of efforts. But, in the meantime, if a simple promo product can work for you alongside any additional strategies you put into place, AND if that simple product can be cost-friendly enough that it pays for itself if only a small percentage of customers respond, then don't you NEED to take advantage of that? It takes a minimal amount of time to get them ordered and delivered to your door... or do you WANT to think about it?

"Don't wait for the right opportunity: Create it." -George Bernard Shaw