Our environment is a reflection of how we are operating in the world. All we need to do is to look around our environment to realize how overwhelmed we feel. There is always an urgent task that needs to get done and before we know it, the desk is full of papers, dishes are overflowing in the sink and of course the laundry isn’t folded. For some people, that is just the home environment, there are more papers waiting on the desk at work.

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Business used to be done with a handshake. Sometimes, it still is. But for a growing number of potential customers, the majority of research, referrals and recommendations are being done by virtual rather than physical word, via social networks like LinkedIn, Facebook and MySpace.

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The Pension Protection Act, which both strengthens employers’ existing pension obligations and discourages them from undertaking new obligations, also makes a broader point to US workers: “The overall message of the bill is, you’re on your own,” says James Lange, a lawyer, CPA and author of Retire Secure.

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