It's just begun to catch on in America, but it's a proven commodity in Europe, where some 40% of population has some type of protection. In fact, Germany boasts fewer lawsuits than almost any country in world. Why? Partly because some 80% of Germans have a legal protection plan!

Where there's easy access to good legal advice, people tend to settle their problems without going to court. You, too, can have that peace of mind, because you'll know your rights will be protected, whether it's an unfulfilled contract, a defective product, an unfair traffic ticket, an incorrect credit report, preparing your will or facing dreaded IRS audit!

Now, as a bonus, imagine that you could provide that peace of mind to others. Wouldn't that make getting out of bed every day worthwhile? It's possible because prepaid legal services is a fast growing industry that needs quality representatives who want to make a difference -- a positive difference -- in lives of family, friends, neighbors and others. There are thousands of internet businesses out there, selling everything from herbal supplements to stock info.

THE BUSINESS ARENA

Warning! SMALL BUSINESS GETS HURT THE WORST! If you are in business for yourself you need legal help more often than most.

Small business people sign contracts, lease offices, hire and (gulp) fire employees, are wide open for discrimination lawsuits, and more. Why are we so vulnerable? Because they know that in most cases WE DON'T HAVE THE MONEY TO DEFEND OURSELVES!

THE FAMILY ARENA

What does your will say? If you are like most Americans it says "I am a blank piece of paper"! Or maybe you went to office supply and bought a boilerplate will where you just fill in blanks. Or you downloaded this cool program that did it all for you? Do you know in your heart that something like that will apply in YOUR state? Not sure? What's answer? Calling an attorney but at how much per hour? If you want to adopt a child or care for an ailing relative there are risks as well.

WHAT TO DO

Educate yourself. Know when you are taking a risk and weigh risks against benefits. Next, never rely on advice of non professionals. They won't experience consequences if they are wrong ... YOU will. Last, don't do it yourself. Even if you are an extremly competent person remember that legal matters are NOT a "do it yourself" project.