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The Shame Of Financial Literacy Programs And The Scandal Of Economic Slavery

Wednesday, June 16th, 2010

Do you know how to balance your checkbook?  Of course you do.  Do you know that paying your bills on time will save you from being charged late fees?  Of course you do. Have you heard that credit card companies charge interest? Of course you have.

As bankruptcies skyrocket, and home foreclosures soar, financial literacy and debt counseling programs have become big business. As I watch  what is happening, it sickens me to realize that these programs have been sponsored by the very agencies and companies which created the problems in the first place  (The banks, lending companies and the federal government) and that instead of being enlightening, they serve to keep people poor and under control.

Debt places the debtor in a state of economic slavery, and these programs perpetuate the notion that we can all be “good little slaves” by playing by the company “rules”.  The programs are designed to keep people tied to their jobs and living within the confines of budgets.

Entrepreneurialism is portrayed as “risky” and to be avoided.  And formal education is presented as a safe panacea for advancement in the workplace.

The creators of these programs should be ASHAMED of themselves!  Ashamed for their part in the enslavement of our country.  (And if you, dear reader, are not from the USA, don’t think that you are exempt from this rant.  The ramification of what I am saying affects YOU and your countrymen, too.)

There are international economic conspiracies at play.  They have shaped our current world and are responsible for the good times, the recessions, and what appears to be a horrific financial future for most of the world.

True financial education starts with being aware.  Aware of what?  The overall game plan of  the powers which are controlling our economies. That’s what.  This information is being hidden from the public, because the very sources of our news and educational programs are the same agencies which benefit from hiding the truth.

I believe that the total focus of financial literacy programs should be changed.  The emphasis should be on teaching the benefits of entrepreneurialism, invention and independence from banks, lenders and corporations.

This may not be a popular idea, yet, but times are changing.  As unemployment rises, many people are finding that entrepreneurialism and self-employment are viable alternatives to dependence on a shrinking job market.

I truly believe that those who are being funneled into government endorsed “re-training” programs are being deceived.  I think that the government is “buying time” in hopes that jobs will be available by the time graduation day rolls around.  At the very least, they are using the programs as a buffer against the civil unrest which mass unemployment can spark.

Of course, most people don’t want to be entrepreneurs.  They want jobs.

That too is a shame, but it’s not their fault.  Everyone who has gone through a public education has been conditioned to be a laborer, worker, manager or executive in the service of a company someone else controls.

Conspiracy Against Your Money DVD Box

This Free DVD Will Open Your Eyes To The World Of True Economic Education.

Have you seen the free DVD  “The Conspiracy Against Your Money?”

A lot of suspicions I had about the nature of what’s happening in our economy were confirmed when I watched it.  Especially the part about economic slavery.  The reality of it is vile.

We need to protect ourselves so that we are not victims of those in power.  Knowledge may not set us free, but it will make us less complacent and give us an edge over those who follow blindly.

My guess is that if you are reading this far into my rant, not much of what I am saying is news to you, but I’d appreciate hearing your comments.  So please leave a note here and let me and other readers know what you’re thinking.

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Do Small Business Owners Need Internet Marketing Education?

Wednesday, April 14th, 2010

Professional service providers and small business owners often know next-to-nothing about marketing. I know this is true, because after owning several businesses which spanned everything from financial services to retail stores, all I knew how to do was place ads in local media.

Advertising in newspapers, radio, television and magazines was my idea of marketing. Sure, every so often I’d send out a press release, if there was an event to publicise, but aside from that I didn’t have a clue.

Then the Internet blossomed. I looked at it as just another kind of advertising vehicle, and that impression was bolstered by the reps from all of the media I had been advertising with. They all were flogging online ads on their respective websites. Some even offered “online marketing plans” which were almost entirely composed of different styles of paid ads, bundled together.

Results from my offline ads were slowing down. Even ads in the papers which used to bring immediate results stopped producing. So, I dove in and spent thousands on Internet advertising. I should have thrown the money into a sewer. I had no idea what I was doing, and tried to use the same approach which once worked in my offline ads. The results were nonexistent.

In desperation, I tried one website after another, tossing dollar after dollar and watching the business in my stores grind to a halt.

That is when I knew that there had to be another way. I went onto the Internet looking for a better site to advertise on, and ran across an article about Internet marketing. It was full of terms like auto responder, SEO and social media, and it also mentioned a magic word. “FREE.”

My curiosity was piqued. I made a project of getting educated on “Internet marketing,” and found a variety of sites which all gave the best marketing tips for small business professionals. Eventually I was able to get glimpses into what techniques were free, and which ones cost money.

It did take a while, and a lot of effort, to sort things out. It seemed that some of the “gurus” I found were having a blast making every tip and technique convoluted and “secret.” And it was also glaringly clear that they were all either self-taught or hiding the source of their own Internet marketing education.

After months of digging, I discovered a single source for all kinds of Internet marketing education. It is perfectly suited for professionals and small business owners, and was exactly what I was looking for. I signed up.

At last I was armed with the ability to find new business leads online without spending a fortune to get them.

However, I had to adjust my expectations when it came to the timing of results. You see, when I relied on advertising, I expected quick response from the customers. I still like direct response advertising for that. But with online marketing, things were different. It was like watching a slow motion movie of a flower growing.

The closest analogy I can think of is that Internet marketing is like planting seeds. The marketer cannot expect to harvest a crop until it has grown. And notice that I say “seeds.” Plural. Planting one seed will not yield a crop.

That was a difficult lesson. For Internet marketing to work for any business, the marketer must do a lot of it, over a period of time, consistently.

Eventually, intelligent marketing action will start to yield the desired results, and make all the effort worthwhile.

It all starts with getting a solid Internet marketing education.

Click here to Join Our Marketing Community

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Silver Eagle Coins for $34,500???

Friday, April 9th, 2010

Silver Eagle Coins for $34,500???

When I flipped through this month’s Money Magazine, my eyes nearly popped out.

The headline did it’s job. It made my head spin.  But the ad went on to confirm that the price of certain Silver Eagle Dollars can go for as high as $34,500! They’ve Got to be kidding, I thought.  Now, these are numismatic silver eagle dollars but still, $34,500? Wow, here is the actual advertisement:

The Famous Money Magazine Ad.

The Famous Money Magazine Ad.

I didn’t change the ad at all.  There’s the whole thing.  And I hope they appreciate that I’m sending this out to my 10,000+ Twitter followers.  Who knows, maybe they’ll get some business from it!  (and send me a free coin??..hint, hint)

I love those shiny silver dollars, and the reason I personally found this ad so interesting is that I am involved with a company called Numis Network. Our flagship products are MS70 American Silver Eagle Dollars of varying years.

Now, here is an article that ran in a MAJOR Magazine selling 2010 MS70 Silver Eagle Dollars for $149 each and if you buy 10+ you can get them as low as $129 each.  Does that sound good, compared to $35K?

Well, with my program in Numis Network, we can get 2010 MS70 Silver Eagle Dollars the WHOLESALE price of only $99!

Not only that, with our program you get paid to promote the company and you earn money when you sell coins or sponsor someone who wants to have their own numismatic coin business and get preferred pricing, so, you actually can get coins for free each month!

Numismatic coins are red hot!  and this article just shows how people are starting to be aware of their value.

And that’s why our business is perfectly timed. If you want to earn money promoting gold and silver numismatic coins or if you simply want to get a better price on your gold coins or silver eagle dollars, you can check out my website at WealthBuilderCoins.com

This is the perfect timing in history to be purchasing silver eagle dollars and to potentially make money doing so, is just awesome.

It’s my prediction that you will see more and more advertisements like this as the gold and silver rush continues.

Now, our company is not a precious metal investment program, so see this clearly.    This article is pretty cool  considering everything going on in the world.  But one question I love, is “How much can I sell my coins for in 5 years?” My answer to that is, “Isn’t it cool, we can even have that conversation???

The question we must ask ourselves is, “Would you have been better off buying one silver of gold coin each month for the last 5 years?”

Well, then consider this: “Will you be better off buying one gold or silver coin each month for the next 5 years, and possibly make money doing so?”

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Goal Setting: What is your Legacy?

Sunday, February 28th, 2010

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Having a passion for anything can be helpful when setting goals, but keeping the vision of your legacy in mind is a tremendous motivator!

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How about a Wall Street-style BailOut for You?

Saturday, February 13th, 2010

Bail-Outs. They’re all over the news.
The fat-cats screw up, and then the government
rewards them with a bailout!

Are you sick of it?

Do you wonder why you’re struggling along,
doing the honorable thing — paying your bills and
keeping your family together — while every month
it seems that things may never get better?

Have your lifestyle and income been affected
by the prolonged and drastic downturn in our economy?

Are you stuck making high home-loan payments every month?

Are you ready for some relief?

ARE YOU READY FOR YOUR BAILOUT?

Think of this:

How would you like to have your mortgage payments
reduced by 30% to 60%?
Would that help?

A home loan modification may be just what you need
to make life easier and help you get through these troubled times.

Loan Modification isn’t a re-finance.

It’s a re-negotiation of your existing loan
to make it more affordable for you.

Whether you have never missed a payment,
or have missed a few or even gone bankrupt,
this program may be exactly what you need.

Best of all, modifying your mortgage has
no effect on your credit score!

I want to introduce you to a company which
specializes in loan modification.

I am using this service myself to renegotiate the terms
of my home loan.
I like the company so much that I signed on
as a representative, to spread the word.  So when you decide to
use them, I may actually get a referral fee.  It’s that good.

They are fully licensed and compliant with regulations,
and these guys are specialists– they know how to go
toe-to-toe with your lender for you.

With a 95% success ratio, and average savings of 30% to 60%,
without ruining your credit, who could pass this up?

Click this link to see if you qualify.
>>> Home Loan Modification <<<

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You Know You Need A Laundry Bag!

Monday, January 25th, 2010

One of the first places I was introduced to when I moved to Chicago  30 years ago was the Maxwell Street Market.  The place was an open-air flea market, with vendors lining the streets in a few square blocks of the South Side.  It was raw and exotic, compared to what I was used to in Boston.  And it was colorful, too, with blues musicians performing in vacant lots, greasy food touching flames in 55 gallon steel drums, and a United-Nations cast of characters roaming the streets.  You may have seen a glimpse of this in the “Blues Brothers” movie.

With all of that raw commerce and entertainment, one thing I remember quite clearly, and often, is a chant that permeated every visit.  It turns out to be one of my first lessons in marketing, and it came from a very unlikely source.

Wandering among the throng, there were several “independent operators” who hauled loads of  almost anything saleable, approaching buyers with lines like “need a watch?” and “Tube socks here.”  Some were shy, others brazen, but one tall black man had his whole act together.  Over his shoulders was a load of bright white cloth, and in both hands he hand he held aloft a full-size draw-string heavy-duty brand-new laundry bag.

With a gleaming smile he called out, over and over, the one line which still shapes my copywriting: “You KNOW you NEED a LAUNDRY BAG!”

The line is pure music.  It is direct, and speaks to a hungry crowd. It asks a question, but it’s a command which makes you think. Every time I heard him, I wondered, “Do I? Could I use one of those?”  and then realized that he was selling those things all day long because everyone else was wondering if they needed a bag, too!

The experience stuck with me, and yesterday I remembered it as I was writing headlines for some new ads.  You KNOW you NEED a NEW BUSINESS!

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MLM Scams and Network Marketing Fraud Make Me Hungry

Friday, December 11th, 2009

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Scams, Schemes, Systems, Fraud and Pyramids! Anyone who has been in the network marketing industry for longer than a day has most likely run into an accusation of having been suckered into a scam.  Defense against such claims of fraud and gullibility is useless, and can make the new recruit seem like he has joined a cult.

Network marketing scams and underhanded schemes are something I have not thought about much lately.  When I started paying my bills with my commission checks, people suddenly stopped mentioning the word in my presence.

But a few days ago something happened which made me realize why the general populace have such a fun time throwing rotten eggs at our industry.  Here’s what happened:

It was past lunch time.  I was hungry.  A buddy and I were driving past a little restaurant.  Before I knew what I was doing, I said to my friend, “You hungry?  Let’s stop for a burrito.”

His reaction, which was a little stronger than “No Way!  That place stinks!” took me by surprise.  He smirked and gave the place what we call a “Chicago Salute” as we drove on by.

I should have known better. You see, we had eaten there only a few weeks ago, and I thought it was Okay.  Not great, but not exactly worthy of being black-listed.  But I remembered that we were both disappointed by the place, and we each knew why.

Then I realized what the problem really was, and in a flash I saw an instant parallel to some people’s perception that the Network Marketing/MLM industry is full of schemes and scams.  You see, when we had eaten there before, it was at the suggestion of a mutual friend.

Well, maybe suggestion is too weak a word to use here.  Our friend gave the place a totally over-the top, glowing review.  He painted an aromatic, three dimensional picture of the place.  “The owners are friendly, the wait staff is hip and gorgeous, the furniture is all designer-made in high Spanish-Modern fashion, and the food is bountiful — presented in exotic arrangements worthy of an Iron-Chef rerun.”  Oh yes, and “The burritos are as tender as cake, with the most delicious combination of ingredients to be found West of the Atlantic Ocean.  All for Ten Dollars!”

Do you get my drift?  We’re talking about burritos here.  Even so, my buddy and I entered the establishment ready for a culinary treat.  What we found, though, didn’t quite match up.  The place was way too bright, with IKEA knock-off furniture and staff who seemed worn down from being perky.  The food was a good value, but nothing “special.”

We left there with the realization that out mutual friend suffered from very limited dining experience, and poor taste buds, to boot.

As my buddy’s salute was lowered, I saw quite clearly why so many people have latched onto the MLM/Network Marketing Scam bandwagon.  It is because the reality of working in the industry never matches the expectations of those who are introduced to it.

Over zealous presentations and slick, hyped-up marketing materials usually underplay the fact that success is achieved by both learning new skills and applying them daily.  Couple that with the reality that most new recruits are not born entrepreneurs, and a situation is created where recruits claim the “business” does not “work” and that they were “duped” and “scammed.”

I will not defend recruiting tactics here.  It is obvious that without a fresh supply of warm bodies the MLM industry would perish.  However, I do fault anyone claiming “scam” when they should simply be admitting having made a business decision based on hope instead of reality, and that they failed at transitioning from a consumer (opportunity buyer) to an entrepreneur.  And this fault is double when they justify their innocence by broadcasting a story of scam and fraud. Misery loves company, as they say.

After all, a burrito is a burrito, unless you were expecting it to be a cake. There’s no need to shoot the chef.

Sign in on this page to see a business which is not a piece of cake.

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MLM/Network Marketing Dropouts: Here’s Why.

Tuesday, December 8th, 2009

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Have you ever wondered why so many people drop out of network marketing? I think I know the answer, and it may not be what you expect.

If you have engaged in prospecting and recruiting for an MLM/network marketing business, why did you do it?  Was it for immediate profit from signing up new bodies, or to build a team so you could get residual income?

What happened to your downline?  How many people dropped out once they got a whiff of work?

Did you ever get the residual income and stability you expected?  Do you wonder why?

When prospecting, did you present materials (websites, DVDs, CDs, brochures, etc.) provided by your company?  Did you give an exciting version of what it is like to be associated with the company, highlighting all the glowing benefits of distributorship?  Was your pitch worthy of an infomercial?

Most companies give their representatives slick, commercial materials, and advise that the reps maintain an upbeat energy level when introducing the company.  Newbies usually go too far in that aspect, and it’s easy for them to mask their inexperience by slipping into excited obnoxiousness.

Very few companies give realistic, behind-the-scene views of what it actually means to market their businesses effectively and succeed.  And who can blame them?  For MLMs to survive as businesses, there must be volume in both the numbers of representatives, and in product sales.

It is little wonder that network marketing companies mask the facts, and rely on constant recruitment rather than seeking out quality recruits.  Since “populating the grid” is usually the goal, they appeal to everyone in an idealistic way, expecting that dropouts and attrition will be overcome by massive signups.

So why do new representatives drop out?  I believe it is because of the unrealistic expectations set up by the companies and their sponsors.

Consider this: When was the last time you recruited a business professional or small business owner?  Here I am talking about someone who has achieved success in a profession or small business, and is looking for another venture.  Did any of them comment on the “hype” presented in your corporate materials?  Did you adjust your presentation to talk about what it takes to actually operate in your business?  Did you find that these prospects were less interested fancy lifestyle claims, and more interested in the security of operating a viable business?

Compare that presentation to the average one which tries to recruit people who have never before experienced either success or their own business.  These prospects are presented with glitz and glam, and glowing reports of success.  They are encouraged to see themselves reaping the benefits of operating a successful business, and that vision is never balanced with the less glamorous picture of the work it takes to get there. They are not sold a business.  They are sold endorphins, emotions and dreams.

Given the two types of prospect, which one would you expect to drop out?

You most likely understand this point intuitively.  MLM/network marketing reps drop out because they started in a business with unrealistic expectations.

It is a sinking feeling to watch your hard-built downline disintegrate.  But what are you to do, if you absolutely need hundreds of signups to make a check?  Your choices are simple:  Either become a master recruiter and perfect your ability to appeal to peoples hopes and dreams, develop a way of signing up fewer but targeted leads, or find a new company which you can promote in a realistic fashion and does not require heavy recruiting.

“Under-promise and over-deliver” is a great motto to keep in mind when recruiting.

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Jim Rohn Video Memorial

Sunday, December 6th, 2009

Jim Rohn, a motivational speaker whom I admired, died today.
His insights have inspired and guided generations of entrepreneurs.
Luckily for us, his words live on in recordings like the ones below.

R.I.P. Jim Rohn. You are missed.

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Making Money On The Internet With Attraction Marketing

Friday, November 27th, 2009

Making money on the internet is an enigma to many newbie internet marketers.  It has also proved difficult for seasoned business owners who attempt to apply their offline marketing experience to the new online media.

In both cases the confusion is rooted in the dominance of print media and television over the last half of the Twentieth Century. Offline media is dominated by advertising, and advertising has been the method of choice for disseminating marketing messages.

When the same messages are conveyed via Internet marketing, the effect is often less than desirable.  Rather than attracting qualified customers, online advertising can become a source of “repulsion” marketing.  As an example, one very effective albeit dubious advertising technique rampant among online network marketers is the use of the word “scam” coupled with the name of competitors.  Similarly, many ads feature negative or sensational messages in an effort to draw attention.

Attraction marketing aficionados generally abhor the word “scam,” since it attracts paranoid and skeptical customers.  Attraction Marketers also seldom use paid advertising at all, since its messages are often ignored by jaded online surfers.  They have learned that it is difficult to make money on the Internet when customers pay no attention to the ads, and when the only prospects drawn to the ads are afraid or reluctant to spend the money they have.

As an alternative to online advertising, these Attraction Marketers have learned to harness the power of the information super-highway, using everything from videos to forums and a myriad of social media sites like  Twitter and Face Book to get their marketing message across.

So what is an Attraction Marketing message?  The very nature of the message is as exotic as the concept.  Each marketer first defines who their ideal customer is, and then crafts an internet presence to attract that customer.  As you can see from this definition, crafting an internet presence would be very difficult to achieve through advertising alone.  That is why Attraction Marketers rely on other, more fluid messages which can be constructed via social media.

For example, an Attraction Marketer may decide that his ideal customer is a baby-boomer professional with a high income.  To attract such professionals, the marketer could make videos on subjects which appeal to the target group, and also make a Face Book profile showing how the marketer himself has an affinity for the same things which his target group likes.

The secret to making money on the internet with attraction marketing techniques is to very subtly ask for the sale.  This is what separates it from blatant advertising.  Ninety-nine percent of attraction marketing efforts involve building rapport with the customer, and demonstrating that the marketer is worthy of respect.  The other one percent is asking for the sale.

An attraction marketing training program for network marketers who want to make money on the Internet can be found at http://www.PrimaryBusinesses.Net

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