Nowadays some salespeople walk in the door offering to drop their price without even being asked. They think that they are protecting their client base. They panic.

Are you thinking of stimulating your business by cutting your prices and profits? Don't do it!

Don't sell price, sell value and customer outcomes. Your client is looking at their bottom line, not just the cost of your services.

Come this Thursday to a free seminar that will show you the 4 ways to grow your business. The session is from 5 to 7 pm at Sterck Kulik O'Neill's downtown San Francisco office.

Let professional CPA's introduce you to concepts such as Key Performance Indicators (KPI) . They will help you work ON your business instead of IN it. You'll leave the class with tools you can use in your business the very next day!

The seminar is free, but the event size is very limited and advanced registration is required.

Phishing is a fraud that steals your identity by tricking you to disclose sensitive personal information, such as credit and debit card numbers, account passwords, or Social Security numbers.

Fake emails and websites frequently spoof major online services such as PayPal and banks. They get your sensitive information when they ask you to "log in" to their phony site. Then they use that personal information to steal your money and identity.

The best defense against phishing is common sense and knowledge of the basic crooked techniques. PayPal helps its customers avoid being phished by giving them 5 ways to spot fraudulent email. Check them out and use that wisdom in all your online clicking.

Don't forget to visit our news page for regularly updated articles for your financial success.

Today the news page talks about:

• details on the President's plan for tax incentives for individuals
• the tax consequences of putting your child on the payroll
• using the first-time homeowner tax credit as a down payment