Wednesday, December 31, 2008

December 31, 2008

It's been quite a year.

I'm kinda sad to see this year end, and yet, the New Year looms just beyond the horizon. With "who knows what" waiting for us all.

I've already expressed my gratitude to those who made AAVBA a huge success this, our first year. I can't say enough about those who first joined, the first 25. What I call our "Founding Members". Without them to help get the ball rolling, none of this could have been possible. They are responsible for getting the word out to other VBA's and also to attorneys. Thank you once again everybody! I'm forever indebted to you.

To our newest members, I say "Welcome!". We know you will be happy to have joined the organization. There's still much work to do and we haven't yet completed all the goals we have for AAVBA.

I'm sorry to say we didn't meet our goal of 80% VBA's working by years end. We went as far as 50%. Which isn't bad considering that at the beginning of 2008, there were only 2% VBA's working.

To the attorneys who are currently utilizing the services of the VBA, thank you. You have paved the way for other attorneys to see the value in hiring an Independent Contractor. You know we're there to help you build your law firm, you have experienced how utilizing a VBA in unforeseen circumstances kept your firm running smoothly. You understand how the Internet kept you in touch with your VBA 24/7. We look forward to working with more attorneys in 2009. We also look forward to meeting more of you at the 2009 NACBA events.

To the new VBA's. Don't wait. Make things happen for you. If you need mentoring, seek it out. Make those phone calls, write those emails (although, I think when seeking assistance, a phone call is better than an email). AAVBA is an organization which is here to help you build your business without costing you an arm and a leg. Most of our seasoned members give their time. Remember to be considerate of this when seeking assistance. Make appointments with your fellow AAVBA members for some "learning" time. And keep those appointments. The VBA's who offer their time do it unselfishly, please do not take advantage of it.

Come prepared when seeking assistance. Ask your fellow AAVBA member what materials you will need prior to the session. If you do not know which of our members offer this service, now would be a good time to get to know your fellow AAVBA members. Don't be intimidated by calling on them. We have a really great group of professionals. If they have time, they will say so, if they don't, they will tell you that as well.

We built AAVBA to form relationships among our members. We feel that by helping each other, we build a stronger organization. Pay it Forward, that's what it's all about. By learning from each other, we build a unified organization with each member being an Independent business. It worked beautifully in 2008, we want to keep this model going strong in 2009. You need to do the work to make this happen. You need to step out of your comfort zone and reach out and talk to your fellow AAVBA members and get to know them. I know most, if not all, the members personally. I have talked or emailed each one. They are a great group of professionals.

So that's it folks. My last post of 2008. Next time I'll be back here, it will be 2009. Wow.

I want to wish you a Happy New Year. Wishing you abundant prosperity and good health throughout the year. Blessings to you and your families.

Thank you once again for your friendship. I cherish each and every one.

God Bless,
Vikki

Tuesday, December 30, 2008

December 30, 2008

I can't remember the last time I was so excited about a New Year.

And even though I can't stand the excitement, I'm not really sure what
all the excitement's about.

I'm up to my eyeballs in work. I have so many unfinished projects. I've decided not to make myself crazy trying to complete these projects and just do what I can until my deadline which is tomorrow at 8:00 P.M. That's when I plan to call it the end of the work day for 2008.

So let's get to business. Because of the type of professional that you are, you absolutely
must make your presence known on the Internet. You are, after all, a VIRTUAL Bankruptcy
Assistant. Attorneys are not likely to find you on the corner in a strip mall or in an office
building. You are a professional small office/home office.

Attorneys are going to find you on the Internet. I honestly believe that sending letters and brochures via regular mail is a waste of your marketing budget. Unless of course, you are attending the NACBA Convention or Conference with me. Then, by all means, splurge on these marketing materials and more if you're able.

If you think because you're sending letters and brochures to attorneys in your immediate neighborhood or city, they might call you, believe me, they are not going to do the trick. We've all tried this method and it does not work.

Being on the Internet. That's what works.

If you had a bricks and mortar type of business, I would say, yes!, brochures, signs, mailings, the whole nine yards! But you don't. You run a SOHO (Small Office/Home Office) Internet business. When you think of it, that's exactly what you are. An Internet based business. As such, you must think like an Internet Entrepreneur. Oh, and by the way, this does not mean a cutesy type of website. Keep it clean, professional and modern. The attorney you are attracting is a young, tech savvy professional. He (and or she) is looking on the Internet for "Assistants". And if the Internet-based assistant can save him money as opposed to hiring a full time in-office employee, believe me, he/she will want to hear what you have to say.

There are many attorneys nationwide who are utilizing the services of a Virtual Bankruptcy Assistant. If the attorney is a NACBA member, most likely they are using a VBA who is a member of AAVBA. Why? Because we are a regular Exhibitor at all the NACBA events. They have seen us and talked to us. They know what they are getting. A fully committed, professional who runs a legitimate Internet business.

If you haven't gotten up to speed with the Social Networking sites, don't be intimidated. A few years ago, I didn't even know how to turn on the computer. I'm not an expert, far from it. But I will get in there and try whatever everybody else is doing and doing successfully! Why wouldn't you want to follow that example? The people who are successful at this business and many other businesses didn't get there by luck. They did something right. So, hey, I'm there right next to them.

I have taken advise from fellow AAVBA members. Because as I said, I don't know it all. As such, I am always open to learn a better way to do things. My fellow VBA's and AAVBA members are jewels. The only reason I can sit here and write to you and tell you to advertise on the Internet and be on all the Social Networking sites is because a fellow VBA told me about this method. And when she told me about it, she also shared how successful she was doing it. So why wouldn't I listen to her advise? I did. And guess what? the attorneys I have been working with the last year or so found me on the Internet. Her methods work. And because they work for her, they worked for me, they will work for you too. But you have to follow through and stay at it. It will happen.

For months now, I have been forwarding emails from AAVBA members who have testified that when they use our methods, they gained an attorney or two. One such VBA is on the East Coast. We also have quite a few here on the West Coast who are tearing it up. But they followed through and stayed with it.

You can't go onto the Internet, sign up and walk away. You need to make your presence known. You need to post, share ideas, share your business, share your talents.

There is one Social Networking site where we're trying to reach a certain number of "follows" by year end. Needless to say, I jumped on that boat a little too late. But there is one person who reached their goal of 3000 followers! Awesome! You see, it's that kind of stuff you know about only if you're online.

Since I've been on the Internet, most likely you'll find me anywhere there are Consumer Bankruptcy Attorneys. I have gained so much knowledge from reading their posts and engaging with them about the VBA industry. It's really awesome to talk to these attorneys. And you can do it too, just get on the Internet.

You know what I truly love about the Internet? It's always open. I mean, if I'm having a late night preparing petitions, or working on an AAVBA project, I can log onto the Internet and there is always someone else working late or posting or blogging.

This works out really well for my East Coast VBA's and my Hawaiian connection. I am the most time challenged person in the world. Time Zones are a mystery to me. But when I'm on the Internet, day or night, someone else from another state or time zone as it were, will be online and I can begin a conversation or share ideas. I never have to worry if I'm calling late. If they're online, and they see me online, we start a chat. Cool.

The same goes for the attorneys I work with. One attorney works late to get his petitions in before the stoke of midnight on the last day of month. That works for me. No problem. He and I set up this agreement early on. He doesn't do this every month, but he knows if his client hasn't sent him or me the information to file, we work late to get the petition filed. Especially if we're running close to month end.

Don't just use the Internet for emails. Use it creatively to market your business. Build those connections and relationships. Who knows, maybe after sharing a little about yourself and your business, an attorney will happen along and see you.

When I first heard of Social Networking, I balked. Actually, it took me awhile to come around. Now, well now, I'm a Social Networking junkie. I am especially hooked on Twitter. I love Twitter! And the best thing is that my Twitter account is linked to my Facebook and Plaxo account. Cool.

So that's my tip for December 30, 2008. Come an join me on the Internet won't you? I never guarantee anything. But hundreds, thousands, maybe even millions of successful people can't be wrong.

See you online!
Look for my final post tomorrow, December 31, 2008

Cheers!
Vikki

Monday, December 29, 2008

Exercise the body and the mind

Well, we're almost there! The end of 2008! How exciting, don't you agree?

My Japanese in-laws celebrate the new year all day long on January 1st. They celebrate in the big way our Latino family celebrates Christmas. Right now I'm in the middle of preparing for this huge festive event. It's the only time of the year my hubby's family gathers together. Unlike my family, who gathers together for everything. ;-)

My post today is about being a Professional Home-based business and the importance of keeping the mind and body sharp.

Let's start with the body. It's really hard to stay in shape when you're working from home. Think about it. Your commute is 2 minutes, 5 at the most. You unlock the door to your office. You turn on a computer, which in turn, turns on the printer. You turn on the lights and sit down to work. More likely, return phone calls and emails first. Then, open the day's mail. After that, you work on preparing petitions. Now, if you do this day after day, and never leave the house, you're definitely not getting any exercise. It is so easy to get that "secretarial spread" as we use to call it back in the 70's.

For myself and another VBA, our time is spent pretty much like going to an actual office. The day begins with a cup or two of coffee and breakfast. Then, to the gym or to drop off the kids at school. After that, stop at the grocery market to pick up dinner or whatever is needed and back home to the "office". Once back, time to get ready for work, which means the whole nine yards. Shower, get dressed and for myself; that means 20 minutes or so doing my make up, because as I've said many times before, I love my make up. And of course, I do my hair everyday. So now, we've done everything to get ready for work. Onto the "office". Our work day begins at 7:00 a.m.

Around Noon, it's time for lunch. So, I leave my "office" and go to the kitchen and prepare lunch. I take a one hour lunch. Sometimes, if I'm meeting friends or with an attorney, I'll take a 1 1/2 hour lunch, but no more than that. Then, it's back to the "office" where the afternoon seems to go by faster than the morning session.

I work until 5:00 p.m. and take a break to prepare dinner for my husband. It's back to the office at 6:00 p.m. to check for updates from attorneys, answer emails, and return phone calls. This evening session goes for about two or three hours. I normally use this time to call Clients about missing information. It' easier to get a hold of them in the evening when they arrive home from work. I work until 8:00 or 9:00 p.m. and then close shop. I turn off the computer, the lights and put all my files away in the cabinet. I close and lock the door to my office and call it day.

Now it's time to take the dogs for a walk. We walk for 30 minutes every other night. When we get home, it's play time and then get ready for the next day. Which means choosing what I will wear to the office the next day. Yeah, I go that far. I did this routine for more than 20 years so it's all I know how to do. I "get ready" for work.

Being a home based professional can get you into a rut really fast if you don't manage your time wisely. You must have balance. Time for your business, time for your family and time for yourself.

This routine I've written out is a general routine and one that is common for myself and my good friend who is a VBA. But it's not to say I don't sway from this schedule, because I do. Today being one of those days. I'm waiting to hear back from a few attorneys on petitions I've prepared in the last few days. I don't know if they will file this week, or will wait until next week. Until then, I keep myself busy doing other things. There is always something to do.

I love to read. Sometimes, when I'm waiting for responses from attorneys or the attorney's clients, I catch up on some reading. Or I crochet. All the while sitting in front of my computer, because after all, I am working, so I stay in my office. Which is why most times, I answer emails right away. If I'm here, I respond immediately.

When you begin preparing petitions, you should set up a schedule on how you will run your business. It does not have to be like the schedule I've shared, but definitely make one that fits your lifestyle. Otherwise, you might get burned out working from home; which, I hear, is very common. I've been doing this since 1998. But when I started preparing petitions, it meant spending more time in the "office". As a Field Service Inspector, I was always out and about. I had to be, Inspections take place away from home. As a Notary Signing Agent, pretty much the same thing, traveling to the Signers home to get the docs prepared for mailing.

As a VBA, your work is at home. Very rarely, will you need to go out to meet the attorney. Unless, of course, he and/or she is in close proximity to your home. Which, by the way, does not necessarily mean you have to meet with them. Unless of course, you want to meet with them. It's up to you how you want to run your business.

Your mind is just as important to exercise as your body. I'm glad I love to read. I crochet during the winter months. It's something my great-grandmother taught me. I love to crochet, so each winter I make two or three bed covers and a few scarves. In the spring and summer, I sit outside and read. Whatever you love to do, be sure to set aside some time to do it. Remember, you're in control of your time from now on. You have to decide how much time you will dedicate to your Clients and how much time you will have for yourself and your family.

But I must warn you, the first year of any business usually will not allow for too much time for anything but your business. That's because you're establishing yourself and building a reputation and introducing yourself and your business to the legal community. Once you have a few attorneys you work with, your routine will be more stable. Just a little warning I had to throw in there. Those of you working as Independents for awhile will know what I mean.

I see from my clock that it's 12:15 p.m., I'm running into my lunch time. I've got to stop here since I'm going out for lunch today and I want to be sure and be back for the afternoon "crunch" time.

I'll be back tomorrow with some more information on running a professional home based business. Until then, stay healthy!

Vikki

Sunday, December 21, 2008

Choices

We all make choices.

And we have to live with the consequence of those choices.

Our family had to make a choice 26 years ago. It was a difficult choice, and it would mean thinking of other people, not ourselves.

Christmas was a difficult time of year for us because Mom passed away in December of 1982.

Back then, we were a young family having babies. I was pregnant with Anthony, my sister had a 3 month old and my other sister had a 6 year old and a 1 year old. The other children had not been born.

After the memorial service, the sisters and brothers got together and decided that no matter how hard Christmas would be for us from now on, we had to put those feelings aside and make Christmas special for our children. There was no reason to drag our babies into our overwhelming grief. And it was overwhelming.

Because you see, mom didn't pass away from natural causes. She died at the hands of another person. What was to follow was a year of Christmas, New Year, having a baby and court hearings.

Then, it was Christmas again. And again, we had to pull ourselves together and make Christmas special for our kids.

And it was fun. The kids would leave their letters to Santa on the tree and Santa would always leave a response. Someone would always go up on the roof and walk around (we had a chimney) and ring the bells and yell Ho-Ho-Ho! But the kids knew not to get out of bed because Santa might hear them and not leave the gifts. So in bed they stayed. Can you believe we were able to pull this off until they were 7 or 8? We were blessed to have such sweet kids.

On Christmas morning it was magical to see the look on their faces when they would have us read the letter from Santa. And then, open the gifts that Santa would leave. Which, of course, was always the gift they asked for. And just in case they didn't believe the gifts were from Santa, there was always one from mom and dad.

Then off to Grandpa's house where even more gifts were waiting to be unwrapped. It was truly magical.

And now, we're here, 26 years later. Our kids are grown, married and starting their families. You all know Kai. Actually, he's the first baby born to this generation. Our son Anthony is a blessing. His exterior tells a different story. You see, our son, Anthony, loves tattoos and piercings. But his heart is sweet and he is a kind person. As are all our children.

We made a choice 26 years ago to raise our children in love. We believe things could have turned out differently had we not made that conscious choice. Our hearts were filled with a grief that was beyond our comprehension. Our need for justice was overwhelming. So a choice had to be made. Were we going to spend our lives chasing justice and wallowing in our grief? Or were we going to raise these children as our mother would have wanted them to be raised? The way she raised us. In love.

We chose the future of children. And it turned out to be the best decision we ever made in our lives. We're so proud of our kids. Especially because of the situation they were raised in.

As it turned out, the case went cold, but remains an unsolved case.

Now our kids get together for a Christmas party on their own, without parents. And they have a great time. And we get together on our own to remember Mom. She would have been proud.

One time, I said, "I hate Christmas". To which my sweet sister-in-law responded, "you don't hate Christmas, you just hate Christmas without your mom". She is a very wise lady.

Make a choice today that you're going to relish the time you have. We all know that nothing is guaranteed. We hear it all the time. But from one person who knows that your life can change in the blink of an eye, take time today to reconcile differences with friends and family before it's too late.

There is nothing that cannot be resolved with a simple, "I'm sorry". And then go from there.

Wishing you and yours a very Merry Christmas filled with Miracles and Blessings.

With love,
Vikki

Wednesday, December 10, 2008

Exclusivity

I'm an inclusive person. I always have been.

Those who know me, will know that I tell my life story to every passing stranger.

I don't know why I'm this way, I just am. It comes from an old family saying, (yep, another one of those), "if you have nothing to hide, you hide nothing". I think my mom, grandma and great-grandma sat around thinking up all these little sayings that make up my life.

That's what I want to address. Exclusivity. Our organization, AAVBA is not an exclusive group. We have a lot of rules, and if you don't abide by them, you're membership will be terminated. This might sound harsh to a lot of people, but honestly, it's not meant to be. We strive to have a First Class organization. In order for us to have that, we must adhere to certain rules and regulations. Top priority is professionalism and integrity.

But anyone can join AAVBA. If you follow the rules.

Once you join, you will have access to a multitude of information that will get you working as a VBA. These methods have been proven to work. There are many VBA's working, 50% of our membership as a matter of fact. And of those, I'm sure most, if not all, used the methods we suggest to a "T".

No one is above learning something new. Nobody. Myself included.

Because we are a non-profit, means we have little to go on each month. Your membership pays for materials and Webinars and of course what it costs us to run the organization each month.
That said, I'm right there with you insofar that I have to work as a VBA to pay my bills. And sometimes the AAVBA expenses.

Exclusive? Me? C'mon, really, I don't think I act as an exclusive, "nose up in the air" kind of person. As a matter of fact, I've said over and over what a dork I am. For the most part, I like everybody. Unless you give me a reason to not like you. Which is rare. It takes a lot for me to go there. But once there, that's it, it's over.

The members of AAVBA are not exclusive. Smart, professional, witty, yes, but exclusive? No way!

I have the most generous members. They take time out from their busy schedules to mentor new members. They take time out from their busy schedules to teach a Webinar. They take time out from their busy schedules to show someone how to prepare a Schedule or a Form on the bankruptcy petition. Exclusive? I don't think they know the word.

Whatever knowledge they have, they pass it on. I refer to it as "Pay it Forward", if you saw the movie of the same name, you'll know what I'm talking about.

Our VBA Luncheons are not exclusive either. We open it up for anyone to attend our Luncheons. You don't need to be an AAVBA member to attend. If you want to know about the VBA Industry, come to one of our Luncheons. But don't be standoffish, join in the lively
conversation(s) going on all at once.

I think everyone who has the passion and the drive and the know how to make this a viable business, will do well. Those who understand hard work and sometimes endless hours, will be successful.

Whether you're new to the business or a seasoned VBA, we're all on the same playing field. Remember, at one time, we were all new. Even those who have been doing this for years. Whether it be bankruptcy petition preparation or Independent Contractor. We all had to start somewhere. Every single one of us.

We've come a long way in a short time. In March of 2008, there was maybe 2% of VBA's working. With the formation of AAVBA, those numbers have gone up. All the way to 50%.
Show me the exclusivity in this organization. There is none. Because, you know what? Of those 50%, maybe 15% are new VBA's. And you know why they're successful? Because of those VBA's who passed on their knowledge. Pay it Forward, you'll never lose.

Go forth and be wonderful,
Vikki

Thursday, December 4, 2008

10 Things I want to do in 2009

I'm working late tonight.

This doesn't happen often. I'm up late a lot, and working, but it's usually stuff I need to do from my own "To Do" List. Tonight is different. I'm waiting for a response on some docs I'm preparing for filing tomorrow.

I hope I did everything right. Yeah, I still worry. And I still get excited and nervous when I talk to a new attorney. Whether he/she is calling to hire me or calling to find a VBA. The excitement that so many attorneys are calling is something I did not prepare myself for.

And I'm happy for those VBA's who are working for attorneys. I know it won't be long before we have all VBA's working.

So I started this blog with one thing in mind and of course, there I go, off on another subject altogether...... Senior moments.....

For 2009, I want to do 10 Things. I know I'm going to do 10 Thousand things, because that's what I do. Stay busy. Oh, there I go again......Anyway,..... Back to the 10 Things.

Here we go:
1) Celebrate the little things with enthusiasm. Too often, we forget to celebrate the little things in life. When our son was younger, we would celebrate "A's" on a report card as if he had earned a college degree! You can imagine when he DID graduate from college. Let me tell ya, that was a celebration!

2) Not buy anymore printers. I love printers. Don't ask me why, but I have all these printers! I have single tray, dual tray, laser, inkjet, you name it, I have it.

3) Work Out. I love to work out. But not the kind of workout you might be thinking. I walk, stretch, move. That's about it. When you have a home office, it's really easy to not move. I mean really, how long is the commute? 2 Minutes?

4) Remain motivated for my members. This isn't hard to do...sometimes. I really need to stay focused and realize that some days....well, some days.

5) Make time to spend with my BFF. I have a BFF. She and I have known each other since we were in second grade. This year has been a whirlwind of events and it has left me little time for my friend. Yet, when I need her, there she is. Yep, this one should be number 1 on the list.

6) Enjoy my family. I know all too well how quickly our loved ones can be taken away. I lost both my parents while they were still very young. My mother died when she was 48, and my dad when he was 67. Thankfully, they brought us up to love each other unconditionally. Our family get togethers are so much fun and I'm sorry I haven't had time to be there this year.

7) Find time each week to reach out. I want to make this a priority. I need to reach out and buy someone a cup of coffee. Or pay for someone's grocery. Or offer a ride. I'm not sure what I will do, but it will be something for someone I don't know.

8) Get away with my husband. All I could say about my husband is, "what a guy". He is so supportive. He handles all the craziness I dish out. Talk about remaining calm in a stressful situation. He probably needs the time away more than I do. But while we're away, I need to not take my work with me, otherwise, what's the point?

9) Buy myself something completely useless. I'm difficult. I do not buy anything unless it has a specific purpose. Unless, of course, it's a printer! So, in 2009, I'm going to buy something completely useless but fun to have.

10) Keep my hair and nail appointments. I love hair and makeup. I spend thousands on makeup and hair. But, when I go get my hair and nails and makeup done, I take my work. So, in 2009, I promise not to take any work with me when I go to the salon. Not only that, I'll turn off my phone (oh no!, do I really want to go there?).

What will you do? I want to know. Share our aspirations, dreams and goals for 2009. Either here or email me. You know where.

That's it, I'm done.

Vikki